Podcasts about naca

Ep 127 - Tired of watching your rent go up while your dreams of homeownership stay out of reach? You're not alone. Jennifer Humphrey was in the same boat—until she found a path forward through the NACA program.In this episode, Jennifer shares how she went from renter to homeowner and landlord in NYC, all while working full-time as a teacher. By house hacking a duplex and leaning into NACA's unique advantages—no PMI, no credit score requirement, and little to no down payment—she's building a foundation for generational wealth, one unit at a time.

Minister Bodnar opowiada bzdury, sugerując, że marszałek Hołownia ma prawo nie odebrać przysięgi od Karola Nawrockiego - mówi konstytucjonalista. 

Każdy, kto wykrzykiwał hasło "PiS, PO - jedno zło", powinien je teraz wsadzić pod poduszkę - mówi poseł Wolnych Republikanów, kandydat na prezydenta, który w I turze uzyskał 0,77% głosów. 

In this episode of the Wanderlust Wealth Show, Olivia welcomes her special guest, Cyan Baker, one of the Wanderlust Wealth Academy's first coaching students. Cyan shares her incredible journey to real estate success, including how she bought her first property in Chicago with zero down payment using the NACA program. They discuss Cyan's background, her initial struggles, the process of joining NACA, navigating the complexities of high-market real estate, and her unique 'double house hacking' strategy. The conversation also dives into the emotional ups and downs of real estate investing and practical advice for those considering the same path. From strategic negotiations to the importance of financial readiness and the power of networking, this episode is packed with valuable insights for aspiring real estate investors. Don't forget to like, comment, and subscribe for more success stories and real estate tips! Free Masterclass: How to Buy Your First Investment Property for Less Than $25K Apply for Wanderlust Wealth Academy Book a call to see if you would be a good fit for Wanderlust Wealth Academy: https://calendly.com/theoliviatati/wanderlustwealthacademy Learn more about WWA here: https://www.oliviatati.com/wwa Hang out with me on IG: @theoliviatati / @wanderlustwealth.show  Watch this episode on Youtube: https://www.youtube.com/@Theoliviatati/

Filozof wskazuje, że dzisiejsze czasy są ostatecznym przerwaniem iluzji o "końcu historii". Jest przekonana, że po okresie erozji zachodnich wartości uda się przywrócić siłę naszej cywilizacji.

Powinniśmy pełnić rolę moderatora na wschodniej flance NATO i inspirować korzystną dla naszego regionu politykę USA - mówi były zastępca szefa Sztabu Generalnego Wojska Polskiego.

Join us as we unveil a new partnership between ASAR Training and Response and the National Animal Care and Control Association. As we know disaster response starts at the local level and ASAR and NACA are joining forces to bring disaster response operational coordination teams to your State and Local Animal Control Agencies. After listening to the podcast visit the ASIST webpage for additional information https://asartraining.com/asist/ Support the showhttps://asartraining.com/https://www.facebook.com/asartraining

If you want to know how to invest in real estate in 2025, even if you earn an average salary, you're in the right place. In this episode, we're going to break down the exact steps YOU can take to buy your first or next rental property—yes, even in today's tough housing market! Welcome back to the Real Estate Rookie podcast! Today, Ashley, Tony, and investor Luke Carl are going to share how they would invest in real estate in 2025 if they were starting from scratch. We'll look at today's housing market from the perspective of someone who earns an average salary of $75,000 or less and share our favorite strategies, property types, and loans for a beginner. Stay tuned to learn why Ashley recommends forming a partnership for your first real estate deal, why Tony loves the NACA mortgage, and why Luke likes to target properties that need a little love. We'll also share our top tips for new investors—from getting a mentor and building rapport with lenders to avoiding “shiny object syndrome” and fast-tracking your savings for a bigger down payment! In This Episode We Cover: How to invest in today's market with an average salary ($75,000 or less) Creative ways to put low (or no) money down on an investment property The best real estate investing strategies for a new investor Whether you should pay off debt before investing in real estate Managing your own rentals versus hiring a property management company And So Much More! Links from the Show Ashley's BiggerPockets Profile Tony's BiggerPockets Profile Join BiggerPockets for FREE Real Estate Rookie Facebook Group Real Estate Rookie YouTube Follow Real Estate Rookie on Instagram Ask Your Question for a Future Rookie Reply “Like” Real Estate Rookie on Facebook NACA Luke's Website Maximize Your Real Estate Investing with a Self-Directed IRA from Equity Trust Grab the Book “Smarter Short-Term Rentals” Sign Up for the Real Estate Rookie Newsletter Find Investor-Friendly Lenders Real Estate Investing for Beginners: How to Get Started Connect with Luke   (00:00) Intro (00:57) First Steps for Rookies (07:44) Building a Financial Foundation (11:40) Getting Preapproved (16:35) Best Property Types (23:04) Finding the Deal (29:38) Paying Off Debt vs. Investing (33:29) Advice for New Investors (36:16) Connect with Luke! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/rookie-531 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Cristian Naca, de la eșec la succes internațional. Cum reușește un tânăr antreprenor să transforme lecțiile învățate din afaceri eșuate într-un business de succes la nivel global? Inspirat de o idee descoperită la Londra, Cristian Naca a construit un adevărat imperiu în industria alimentară. Secretul? Muncă neobosită, nopți scurte, perseverență, pasiune și ambiție. Povestea sa demonstrează că poți porni cu resurse limitate și, prin viziune și determinare, să creezi un brand de impact. Prin conceptul Foodway, el aduce zilnic pe mesele oamenilor mâncare sănătoasă, redefinind astfel modul în care percepem alimentația de calitate.

AOT2 and Ugochi discuss Nigerians and Valentine, Social media couples, Morotoluwa O jomo winningthe Superbowl and other news that made the rounds this week.OUTLINE00:00 - Introduction36:30 - Fan mails38:25 - Catch up57:48 - X of the weekhttps://x.com/naija_pr/status/1887871018875662698?s=46&t=TONH6Zg-DUi2giubvg1cig01:31:35 - Avoid risky behaviour,prevent HIV, NACA urges Nigerians on Valentine's Dayhttps://punchng.com/valentines-day-avoid-risky-behaviour-prevent-hiv-naca-urges-nigerians/01:45:23 - Social media couples who show us everything. Yay or Nay?01:55:40 - Would you prefer a one-night stand with your crush or N50m from a sugar daddy or mummy who's into heavy BDSM.Note - you will be the sub?02:03:35 - Flop of the week - Portable 02:06:25 - Prop of the weekMorotoluwa O jomo winsthe Superbowlhttps://punchng.com/sanwo-olu-hails-nigerian-born-ojomo-on-super-bowl-victory/?amp--------------------------------------------234 Essential on Twitter and Instagram.Write us: fanmail@234essential.comDonate to 234 Essential: https://donate.stripe.com/bIYfZw6g14juf1m8wxNewsletter: https://234essential.com/

Jess Pettitt is a speaker, author, and researcher. Recently, she did a deep dive into Project 2025. Somebody had to.I first met Jess on the NACA circuit, basically the college performance circuit, many years ago. I've always enjoyed hearing her take on things, and was curious, especially after her 2025 project, to know her assessment right about now.

Bora passar a limpo a semana da NHL e PWHL?Nesta edição do “Passando a Limpo”, falamos de tudo que rolou entre 02 e 08 de fevereiro de fevereiro: notícias, marcas importantes e muito mais!Sobe no nosso zamboni e vem conosco!Roteiro: Camilla ChavesApresentação e edição: Ana Gabriela Ilha KalilApoie o Tic-Tac-Gol a partir de R$2 no⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Apoia-se⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ e receba recompensas exclusivas! Com sua contribuição, podemos continuar criando conteúdos incríveis como este!(00:01:15) Notícias(00:02:25) Feitos e marcos(00:22:47) Lesões e movimentações(00:22:47) Três Estrelas da NHL(00:23:29) Momento Puck Cor-de-RosaAtravés da sua ajuda, o Tic-Tac-Gol consegue continuar proporcionando conteúdos como este! Financie a nossa iniciativa atráves do pix: portaltictacgol@gmail.comSaiba tudo sobre a temporada 2023-24 da NHL e PWHL no ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠tictacgol.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Já pensou em ter acesso à uma comunidade exclusiva do TTG? Participe do ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠nosso server no Discord⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠!Use o cupom TICTACGOL e receba 10% de desconto em compras no ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mr. Varsity⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ACESSE A NOSSA LOJINHA!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Se inscreva no nosso canal do ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Youtube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠!Siga o TTG no ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Bluesky⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ e ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠!

Zapoznaj się z trendami rynkowymi na 2025 rok według OANDA TMS Brokers: ⁠https://go.tms.pl/UkladOtwarty ⁠ Mecenasi programu: Novoferm: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.novoferm.pl/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zamów książkę ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Igora Janke⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://patronite-sklep.pl/produkt/sila-polski-igor-⁠⁠⁠⁠ ⁠⁠⁠⁠janke/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://patronite.pl/igorjanke⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠➡️ Zachęcam do dołączenia do grona patronów Układu Otwartego. Jako patron, otrzymasz dostęp do grupy dyskusyjnej na Discordzie i specjalnych materiałów dla Patronów, a także newslettera z najciekawszymi artykułami z całego tygodnia. Układ Otwarty tworzy społeczność, w której możesz dzielić się swoimi myślami i pomysłami z osobami o podobnych zainteresowaniach. Państwa wsparcie pomoże kanałowi się rozwijać i tworzyć jeszcze lepsze treści. ⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Układ Otwarty nagrywamy w ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bliskostudio.pl ⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

(Airdate 1/22/25) NACA CEO Bruce Marks has spent more than 30 years as an activist and advocate. His objective is simple, making the cornerstone of the American Dream, home ownership, possible for everyone.Achieve The Dream Events: Riverside, CA Jan 24th - 26th | Las Vegas, NV Jan 30th - Feb 2nd | Tulsa, OK Apr 11th - 13th | Indianapolis, IN Jun 27th - 29th https://www.naca.com/ https://www.dominiquediprima.com/

Episode: 2770 Developing the P-51 Mustang fighter.  Today, our guest, NASA engineer Fitz Walker, remembers the P-51 Mustang.

8 stycznia 2025 roku fani Elvisa Presleya na całym świecie celebrują 90. rocznicę urodzin swojego idola, piosenkarza i aktora okrzykniętego przez dziennikarzy muzycznych królem rock'n'rolla i artystą wszech czasów. O fenomenie artysty rozmawiamy z Mariuszem Ogiegło, jednym z najlepszych znawców jego dyskografii, twórcy pierwszego w Polsce autoryzowanego przez Elvis Presley Enterprises, Inc. (EPE) blogu „Elvis: Promised Land” w całości poświęconego twórczości genialnego artysty.

Piosenkarka i dziennikarka Małgorzata Jarecka opowiada o swojej karierze i dwóch płytach: „Wszystkie barwy uczuć” i „Moja Wigilia”.  Towarzyszy jej Marek Stefankiewicz - kompozytor i aranżer, autor licznych przebojów, m.in. piosenki „Jesteś lekiem na całe zło”. 

In this episode, we have the inspiring story of Khouri, a WWA student who recently closed on her first investment property. Khouri shares her journey from initial hesitations to joining WWA and how it completely changed her life. From searching for duplexes in the booming Houston market to pivoting to a single-family home strategy, Khouri takes us through her challenges, including a major health scare, and how she overcame them. She also details her process with the NACA program and the importance of having a support system for achieving real estate goals. Khouri shares practical advice on real estate strategies, financial planning, and the benefits of investing in oneself. Don't miss her firsthand account of commitment, resilience, and ultimate success in the world of real estate! Link to the webinar: https://oliviatati.easywebinar.live/event-registration-5 Book a call to see if you would be a good fit for Wanderlust Wealth Academy: https://calendly.com/theoliviatati/wanderlustwealthacademy Learn more about WWA here: https://www.oliviatati.com/wwa Hang out with me on IG: @theoliviatati / @wanderlustwealth.show  Watch this episode on Youtube: https://www.youtube.com/@Theoliviatati/

In this episode, we talk about some of the email weve been getting at familyplotpodcast@gmail.com and some of the messages on our socials.  Arthur and Laura promise to talk more as we slide into Arthur's Corner to discuss his day.  Then we tear into  the story of Katherine Johnson, how she was such a math whiz that one of her professors had to make courses just for her.  She entered high school at just 10 years old!  We cover her life, how she came to work at NACA which later became NASA, how she got her name on a report, how she enjoyed playing bridge at lunch, We also discuss what Dean made for dinner (meatballs in brown gravy, mashed potatoes made with French Onion Dip instead of milk and green beans) and more in this Laura-chosen, man-we-like-smart-women episode of the Family Plot Podcast!Become a supporter of this podcast: https://www.spreaker.com/podcast/family-plot--4670465/support.

Analiza zdrowia----

Trump nadchodzi, a z nim nowa administracja. Pani, która zastrzeliła psa naprawdę nie jest tam najdziwniejszą postacią. Dziś w Rozmowie naTemat rozmawiam o tym z Łukaszem Grzegorczykiem, naszym dziennikarzem, który uważnie przygląda się temu, co się dzieje w Stanach Zjednoczonych. Ci, którzy już szykują popcorn, by oglądać, jak ta galeria osobowości będzie się dogadywać (czytaj: kłócić), powinni przemyśleć, czy go nie odłożyć. Prokuratorem generalnym ma być facet podejrzewany o stręczycielstwo nieletniej, a szefową wywiadu fanka Putina, która usprawiedliwiała jego napaść na Ukrainę. Więcej w Rozmowie naTemat. 

In this episode, discover the six best loan options for buying properties with less than 5% down. Olivia dives deep into conventional loans, FHA loans (including the 203k and streamlined versions), USDA loans, VA loans, Young Professional/Physician loans, and the NACA loan. Learn the nuances, benefits, and requirements of each loan type, and get equipped with actionable steps to start your real estate investment journey. Stay tuned till the end for the best loan option revealed! Link to the webinar: https://oliviatati.easywebinar.live/webinar-registration Book a call to see if you would be a good fit for Wanderlust Wealth Academy: https://calendly.com/theoliviatati/wanderlustwealthacademy Learn more about WWA here: https://www.oliviatati.com/wwa Hang out with me on IG: @theoliviatati / @wanderlustwealth.show  Watch this episode on Youtube: https://www.youtube.com/@Theoliviatati/

Dani Amatriaín fue piloto de MotoGP y manager de campeones como Jorge Lorenzo y los hermanos Espargaró. Sin embargo, su carrera dio un giro trágico debido a su adicción a la cocaína, una lucha que lo llevó al límite y casi destruye su vida. Después de una cruda historia de caída en el mundo de las drogas, logró una rehabilitación completa. Hoy, comparte con nosotros su camino hacia la recuperación y las lecciones que aprendió enfrentando sus demonios. En el episodio número veinte de 'Adicciones al Descubierto', charlo con Dani Amatriaín, expiloto y manager de Moto GP, para conocer su testimonio y su historia de superación de la adicción a la cocaína. Si quieres descubrir cómo consiguió superar la adicción definitivamente, ¡este episodio es para ti!

Neste domingo (1º), nossos comentaristas repercutiram a rodada agitada do Brasileirão e analisaram as corridas pelo título e para escapar da zona de rebaixamento

Join the Wanderlust Wealth Show as we chat with the incredible Nancy Rodriguez from Netflix's Love is Blind. Nancy opens up about her journey to financial freedom, transitioning from a speech-language pathologist to a savvy real estate investor with a multimillion-dollar portfolio. Learn how she tackled $100,000 in debt, leveraged the NACA program for first-time homebuyers, and navigated the challenges of buying a property as a solo female investor. Nancy also shares her experiences post-reality TV fame, the impact of Love is Blind on her life, and her inspiring mantra. Whether you're interested in real estate, financial freedom, or just need a dose of inspiration, this episode is packed with valuable insights and heartfelt stories! Link to the event: Masterclass Registration link: https://oliviatati.easywebinar.live/best-way-to-get-started-live (Sept 17th 6pm MST) Book a call to see if you would be a good fit for Wanderlust Wealth Academy: https://calendly.com/theoliviatati/wanderlustwealthacademy Learn more about WWA here: https://www.oliviatati.com/wwa Hang out with me on IG: @theoliviatati / @wanderlustwealth.show  Watch this episode on Youtube: https://www.youtube.com/@Theoliviatati/

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald, interviewed Angeanette Dowles. Homeownership is one of the critical aspects of the American Dream. However, that dream seems more like a fantasy than an attainable goal for many of us. Well, Angeanette Dowles of NACA is here to tell you that homeownership is achievable for all at an affordable rate too. For the rate of only a few months' rent, people with even 420 credit scores you can purchase homes in the hundreds of thousands with little interest rates! It sounds too good to be true. Well, this is one time you'll be happy to be wrong as it is just as good as it sounds.  With Americans facing skyrocketing rents and climbing interest rates, NACA provides the best affordable homeownership program for low to moderate-income individuals and people of color.  Homebuyers will receive one-on-one counseling from a HUD Approved NACA Counselor during this event, and many will get a same-day qualification for NACA's Mejor en América mortgage to begin their housing search.  All NACA services are free of charge.  NACA has over $20 Billion for its unique mortgage, including $15 Billion from Bank of America.  NACA's Mejor en América Mortgage features no down payment, no closing costs, no fees, no mortgage insurance, and a below-market fixed interest rate.  NACA is the nation's largest HUD-approved nonprofit community advocacy and homeownership organization. #STRAW #AMI  See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald, interviewed Angeanette Dowles. Homeownership is one of the critical aspects of the American Dream. However, that dream seems more like a fantasy than an attainable goal for many of us. Well, Angeanette Dowles of NACA is here to tell you that homeownership is achievable for all at an affordable rate too. For the rate of only a few months' rent, people with even 420 credit scores you can purchase homes in the hundreds of thousands with little interest rates! It sounds too good to be true. Well, this is one time you'll be happy to be wrong as it is just as good as it sounds.  With Americans facing skyrocketing rents and climbing interest rates, NACA provides the best affordable homeownership program for low to moderate-income individuals and people of color.  Homebuyers will receive one-on-one counseling from a HUD Approved NACA Counselor during this event, and many will get a same-day qualification for NACA's Mejor en América mortgage to begin their housing search.  All NACA services are free of charge.  NACA has over $20 Billion for its unique mortgage, including $15 Billion from Bank of America.  NACA's Mejor en América Mortgage features no down payment, no closing costs, no fees, no mortgage insurance, and a below-market fixed interest rate.  NACA is the nation's largest HUD-approved nonprofit community advocacy and homeownership organization. #STRAW #AMI  See omnystudio.com/listener for privacy information.

An episode so nice that we had to publish it twice—this time with video. Ryan Butler was our guest on our show in 2023 and will soon be featured in Keller Williams' new video series about role models in the industry. So, in honor of the occasion, we dug back into the archives and found the video recording of the episode. Ryan Butler is not just any real estate mogul; he's part of the real deal, the Coalition Properties Group. If you're in the Maryland, DC, or Virginia area, you've probably heard of them. Over the last four years, they've sold 1100 homes, closing over 500 million in volume. Ryan shares his inspiring journey from Mississippi to becoming a top real estate agent in Washington, D.C. He also talks about how his team has given over a million dollars to charity. Ryan emphasizes the benefits of owning real estate, such as financial security and retirement income, and provides practical advice on financing options like NACA. He also highlights the importance of building a strong team and working together to achieve greater success. We also discuss the value of community involvement and the power of group economics in real estate investments.Be sure to head over to The Color of Money playlist on the Keller Williams Realty YouTube channel to watch this episode on the big (or small) screen.Resources:Learn more at The Color of MoneyWatch The Color of Money video podcast episodes on YouTube Coalition Properties Group WebsiteListen to All Blends PerfectlyVisit Ryan's investment platform at investwithryanbutler.comLearn more about the Neighborhood Assistance Corporation of America Become a real estate agent HEREConnect with Our HostsEmerick Peace:Instagram: @theemerickpeaceFacebook: facebook.com/emerickpeaceDaniel Dixon:Instagram: @dixonsolditFacebook: facebook.com/realdanieldixonLinkedIn: linkedin.com/in/dixonsolditYouTube: @dixongroupcompaniesJulia Lashay:Instagram: @iamjulialashayFacebook: facebook.com/growwithjuliaLinkedIn: linkedin.com/in/julialashay/YouTube: @JuliaLashayBo MenkitiInstagram: @themenkitigroupFacebook: facebook.com/obiora.menkitiLinkedIn: linkedin.com/in/bomenkiti/Produced by NOVA MediaThis podcast is for general informational purposes only. The guest's views, thoughts, and opinions represent those of the guest and not KWRI and its affiliates and should not be construed as financial, economic, legal, tax, or other advice. This podcast is provided without any warranty, or guarantee of its accuracy, completeness, timeliness, or results from using the information.

CLIMATE COMMON SENSE: 3/4: Adapt and Be Adept: Market Responses to Climate Change by Terry Anderson (Editor) https://www.amazon.com/Adapt-Be-Adept-Responses-Climate/dp/0817924558/ref=sr_1_1?dchild=1&qid=1618603521&refinements=p_27%3ATerry+Anderson&s=books&sr=1-1 How can markets help us adapt to the challenges of climate change? The editor Terry L. Anderson brings together this collection of essays featuring the work of nine leading policy analysts, who argue that market forces are just as important as government regulation in shaping climate policy—and should be at the heart of our response to helping societies adapt to climate change. Anderson notes in his introduction that most current climate policies such as the Paris Agreement require hard-to-enforce collective action and focus on reducing or mitigating greenhouse gases rather than adapting to their negative effects. Adaptive actions can typically deliver much more, faster and more cheaply than any realistic climate policy. The authors tackle a range of issues: the hidden costs of renewable energy sources, the political obstacles surrounding climate change policy, insurance and financial instruments for pricing risk of exposure to the effects of climate change, and more Terry Anderson @HooverInst https://thehill.com/opinion/energy-environment/547525-a-better-approach-to-climate-change-for-stateshttps://thehill.com/opinion/energy-environment/547764-the-urge-to-complicate-and-climatize-trade-policy?rl=1 https://thehill.com/opinion/energy-environment/548667-climate-change-to-adapt-is-to-be-human1940 NACA

See omnystudio.com/listener for privacy information.

Świat powoli dochodzi do siebie po największej awarii w sytemie IT w historii. Spowodowała ją wada w aktualizacji dostarczonej użytkownikom Microsoft Windows przez firmę zabezpieczeń cybernetycznych CrowdStrike. Banki , szpitale i linie lotnicze, znalazły się wśród najbardziej dotkniętych.

El futbol es un deporte que desata pasiones entre quienes lo siguen y en quienes no. Pero la afirmación de este famoso personaje del futbol, nos invita a reflexionar sobre nuestra sociedad y el impacto de este deporte en nuestras vidas.

Donald Trump zapowiada swój powrót do Białego Domu! "Mój sukces będzie moją zemstą" - stwierdza na antenie konserwatywnej telewizji "Fox News". Redaktorzy Tomasz Winiarski i Mikołaj Teperek na kanale Niepoprawny Dyplomata rozmawiają o szansach na ponowną kadencję Trumpa oraz analizują scenariusze na możliwe pierwsze decyzje ewentualnej nowej-starej administracji Trumpa. Były prezydent zapowiada, że w przypadku jego powrotu do Gabinetu Owalnego w Białym Domu zamierza odtajnić dokumenty TOP SECRET związane ze śmiercią prezydenta JFK - Johna Kennedy'ego, zamachami z 11 września 2001 roku bądź sprawą Jeffreya Epsteina. Czy potwierdzą się jakieś teorie spiskowe USA? Trump powiedział również, że rozważa dwie kandydatury na stanowisko prokuratora generalnego w jego przyszłej administracji oraz zapowiedział zmiany w Departamencie Edukacji - koniec z poprawnością polityczną w amerykańskim systemie edukacji? Nasz wideokomentarz i analiza dotyczą także takiej sprawy, jak finanse. W tej kwestii Trump twierdzi, że jeżeli nie wygra wyborów na jesieni, to Amerykę czeka wielki kryzys gospodarczy na miarę tego z 1929 roku! Czy ta przepowiednia się sprawdzi? Dziennikarze liberalnego dziennika "The New York Times" sugerują, że prezydent Trump przeprowadziłby takie reformy, jak m.in. ograniczenie nielegalnej imigracji do Stanów Zjednoczonych, zwiększenie uprawnień prezydenta, protekcjonizm w handlu zagranicznym oraz izolacjonizm w polityce zagranicznej. Lewicowi dziennikarze grzmią także, że Biały Dom Trumpa rzekomo zerwałby z tradycją niezależności Departamentu Sprawiedliwości USA względem urzędu prezydenta. Ich zdaniem zostałby wszczęty szereg śledztw wymierzonych w rywali Donalda Trumpa, a sam zainteresowany rzekomo skierowałby amerykańskie wojsko do walki z kartelami narkotykowymi w Meksyku oraz do tłumienia zamieszek w kraju. Które z tych zapowiedzi są prawdziwe? O tym być może przekonamy się już niebawem - wybory w USA 5 listopada! Póki co, to Donald Trump prowadzi w najważniejszych sondażach! Jedno jest pewne - Donald Trump odpina wrotki. It is now or never. Zapraszamy na odcinek.

Cassandra Mok grew up in Australia. She was the daughter of Malaysian parents and Chinese grandparents. She will tell you that her childhood was a bit of a challenge working through the values and norms of her parents that often were quite a bit different from the Australian life and people around her. All her experiences gave her a keen interest in the blending of cultures which also led to her traveling to various countries.   Our conversation covers topics like how to mix cultures in a positive way. We also discuss a lot of topics about how people can learn to be better leaders through what clearly is utilizing teamwork and trust to create better working environments within organizations.   Cassandra is an executive coach with a broad world view that helps her interact with people who come to her from many different perspectives and attitudes. Clearly, she has developed a mindset that is unstoppable which she attempts to instill in those with whom she works.   About the Guest:   Cassandra Mok is a human; although as a child, she was often asked what the weather was like on her planet. Born in Australia, she comes from a heritage of migration as her parents were born in Malaysia to her Chinese grandparents. As such, she grew up in a blend of cultures, negotiating between different norms and social expectations. This made her highly aware of how essential intercultural communication and understanding are to building effective relationships.    As an adult, she followed her dream to experience other societies and ways of life. Through her studies and career, she has lived in Cambodia, Canada, China, Dominican Republic, Ecuador, Mexico, Nepal, Singapore, and Vanuatu. Her professional experience has mostly been in international development - on poverty alleviation and social & behavioural change programs as well as organisational change management. However more recently she has been working with startups, seeking to create social impact through entrepreneurship and innovation.   Cassandra is a complete nerd and loves exploring the intricacies about many aspects of society, cultural evolution, group dynamics, human behaviour, science and technology. Her research focus for her Masters was about how international legal frameworks affect agrobiodiversity. While studying her Bachelors of Communications in Social Inquiry and in International Studies (Mexico), she did research on why young Mexicans weren't using contraceptives. Additionally, Cassandra has a Postgraduate Certificate in Organisational Coaching and Leadership and is certified Executive Coach - helping managers effectively implement change initiatives and to become inspiring leaders.   Cassandra is passionate about collaborating with others on “wicked” problems through harnessing the power of their people and systems effectively to create positive social change. She loves meeting people working on interesting things to figure out complex challenges so feel free to reach out.   Ways to connect with Cassandra: LinkedIn: www.linkedin.com/in/cassandramok   About the Host: Michael Hingson is a New York Times best-selling author, international lecturer, and Chief Vision Officer for accessiBe. Michael, blind since birth, survived the 9/11 attacks with the help of his guide dog Roselle. This story is the subject of his best-selling book, Thunder Dog.   Michael gives over 100 presentations around the world each year speaking to influential groups such as Exxon Mobile, AT&T, Federal Express, Scripps College, Rutgers University, Children's Hospital, and the American Red Cross just to name a few. He is Ambassador for the National Braille Literacy Campaign for the National Federation of the Blind and also serves as Ambassador for the American Humane Association's 2012 Hero Dog Awards.   https://michaelhingson.com https://www.facebook.com/michael.hingson.author.speaker/ https://twitter.com/mhingson https://www.youtube.com/user/mhingson https://www.linkedin.com/in/michaelhingson/   accessiBe Links https://accessibe.com/ https://www.youtube.com/c/accessiBe https://www.linkedin.com/company/accessibe/mycompany/   https://www.facebook.com/accessibe/       Thanks for listening!   Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page. Do you have some feedback or questions about this episode? Leave a comment in the section below!   Subscribe to the podcast   If you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts or Stitcher. You can also subscribe in your favorite podcast app.   Leave us an Apple Podcasts review   Ratings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts.     Transcription Notes: Michael Hingson ** 00:00 Access Cast and accessiBe Initiative presents Unstoppable Mindset. The podcast where inclusion, diversity and the unexpected meet. Hi, I'm Michael Hingson, Chief Vision Officer for accessiBe and the author of the number one New York Times bestselling book, Thunder dog, the story of a blind man, his guide dog and the triumph of trust. Thanks for joining me on my podcast as we explore our own blinding fears of inclusion unacceptance and our resistance to change. We will discover the idea that no matter the situation, or the people we encounter, our own fears, and prejudices often are our strongest barriers to moving forward. The unstoppable mindset podcast is sponsored by accessiBe, that's a c c e s s i capital B e. Visit www.accessibe.com to learn how you can make your website accessible for persons with disabilities. And to help make the internet fully inclusive by the year 2025. Glad you dropped by we're happy to meet you and to have you here with us.   Michael Hingson ** 01:20 Welcome to another episode of unstoppable mindset where inclusion, diversity and the unexpected meet today we get unexpected, I guarantee you. Today we get to interview a lady who, in the bio that she sent me started it by saying that she was human. Although people often asked her what the weather was like on her planet when she was a child. I don't know what to say about that. But you know, if if she's from another planet, we'll find out about it and see what language she speaks to us. But I would like you all to meet Cassandra Mok who lives well around the world. She started in Australia today. She's in Singapore. She's lived in a variety of countries, and really has a great appreciation. And she will tell us for international cultures, and finding ways to get people in cultures to communicate and interact with each other. And with that introduction to Cassandra, thank you and welcome to unstoppable mindset.   Cassandra Mok ** 02:24 I'm really excited to be here.   Michael Hingson ** 02:26 Well, we're glad you're here. So let's get to this business about what was the weather like on your planet? Tell us about Cassandra as a child and growing up and some of that a little bit? Yeah,   Cassandra Mok ** 02:37 ah, so I was born in Australia. For those people who are watching, I don't have what is quintessentially an Australian face. Often it's perceived that you know, you have these blonde beach people is the typical Australian stereotype. My parents are actually from Malaysia, but my grandparents are originally from China or Singapore. So I grew up in this hodgepodge of different values and expectations about what was normal, what was behavior, what was being good, all of these sorts of things. And it's, it's a mix, it's not just the Australian, it's also the Chinese, but that different kinds of Chinese because Malaysian Chinese isn't the same as mainland Chinese. Right? Yeah. So that's, that's a little bit about me. I think that that's probably one of the reasons why I was always sort of thought of as naughty by my parents and weird by people at school. You know, things that I did were different. We lived in a lot of places in rural Australia, where we were often the only Asian family in town. So, you know, there is no, you know, frame of reference for people to sort of, sort of be like, oh, there's something different, you know, there's glow people don't all do the same things. Yeah.   Michael Hingson ** 04:18 So what did you do? That was naughty? Ah,   Cassandra Mok ** 04:22 okay. So Australians have very independent minded and we swear a lot doing, trying to make sure that I didn't swear a lot in this podcast. And, you know, tend to be a little bit troublemaker. There's a little bit of a rebellious culture in Australia. And the typical Asian parenting style, especially back then, was very, you know, you should listen to your parents. You should be obedient. You should do what you're told. You should follow the rules. And again, the rules are different. Ah, so you know, then you have to follow these unspoken rules about how to behave, and you don't have other people to comedies. So when people grow up in a culture that makes matches with their parents expectations, you learn some of those rules by watching other people. Whereas when you're living in an environment where the behavior of people is very different from what your parents expect, and you are following the things that you're learning at school, or watching others, or the other kids and how they behave and interact, then your parents think you are naughty. So I was very independent minded, very independent minded as a kid.   Michael Hingson ** 05:44 So there was a little bit of a culture clash there and your parents had a little bit of a difficult time, sort of reconciling you and and behavior from school, and just what kids would do in Australia, as opposed to what they would expect you to do.   Cassandra Mok ** 06:04 Oh, yeah, absolutely, absolutely. I think when my dad went to university in Australia, so he's much more Australian eyes and likes a lot of the Australian things, but there's also a difference between being something and, you know, expectations people have in their head, you know, so talking back is definitely not seen as something you do, particularly back then and in Asian culture. Whereas, yeah, I had a very sharp tongue. So yeah, it did, it did definitely cause some some tension in my parents when I was growing up. But luckily, for me, I think my parents would become more Australian, but I think they also recognize that, you know, that sort of independence and that independent thinking, has sort of helped me as an adult, whereas as a kid, I was probably very difficult. But as an adult, makes me much more resilient and much more problem solving.   Michael Hingson ** 07:01 It sounds like they did learn to cope with it some   Cassandra Mok ** 07:07 told me to just cope, I think it's also appreciate, you know, coping is sort of like tolerance, you put up with something that I really like, and don't get me wrong, you know, I think that yeah, but there's, you know, that exactly, the appreciation is very much like, oh, okay, this thing that I used to think was bad, I now understand the flavor of flavors of it. I understand how it's beneficial. I understand how useful it is. So I think my parents, so become more appreciative of some of the, the skills and perspectives as I've gotten older. Well,   Michael Hingson ** 07:47 so. Did you go to college in Australia? Or, or did you do college? Or what did you do? Yeah,   Cassandra Mok ** 07:53 so after high school, I went to university. That's what we call them in Australia. And I did most of my university in Australia. But I also went to Mexico, because I just wanted to live somewhere completely different. I think one of my motivations to also choose Mexico was that prominent Australian perspective. For example, in the mass global media, Australia is seen as kangaroos, and deserts and beaches. And while that is somewhat true, it's not true for every Australian, it's not true for every Australian environment. Not all of us have kangaroos in our front yard, some of us do. And so for me, I was really fascinated by Mexico, which began in Australian media was very much portrayed through probably a North American lens English speaking North American lens, which was desert kept us as big hats siestas. And there was something fundamentally that I didn't feel oh, that's, that's probably not true. So what is it like in Mexico? And what do Mexicans actually think? And what is the Mexican way of life that isn't a almost a parody of very specific visual elements. So I wanted to experience that. So I spent a year and a half in Mexico.   Michael Hingson ** 09:16 So when did when did you do that? What level of college were you at when you did that?   Cassandra Mok ** 09:22 So I did international studies as part of my degree. So in Australia, we have these things called double degrees, where you do two degrees at the same time. And so that was my international studies component. So it was the last few years of my degree.   Michael Hingson ** 09:38 Was that a bachelor's or a master's? Or did you go into it? Upper or advanced graduate work?   Cassandra Mok ** 09:46 Yeah, so that was in my undergraduate but I ended up doing a marketer's later on. And yeah. Further, further academic studies later on.   Michael Hingson ** 09:55 Did you do that in Australia or somewhere else? In   Cassandra Mok ** 09:58 Australia In Australia I had this grand idea to do it somewhere else. But at the time, I had moved back to Australia and and was getting my master's. So spent time doing that. Eat my graduate certificate. I did it during COVID. So, technically, I was sitting in Cambodia, but it was from an Australian institution. So when people say did you study in Australia? I tend to say yes, even though I never set foot on campus in Australia. Yeah, but it was from an Australian institution. So   Michael Hingson ** 10:35 well, you lived, you've lived in a number of countries now you haven't been to the US, or have you been here at all?   Cassandra Mok ** 10:41 I visited. I have a few friends. Some who were from the US Originally, the others who have migrated. So I've been to the US I've been to I was in Texas one year for the Fourth of July. That was a   Michael Hingson ** 10:59 that's an interesting time to be there. And interesting.   Cassandra Mok ** 11:03 The supermarket was fascinating. I've spent some time in sort of the New England area. California, I think I've been to Colorado. It was a while ago. Don't quiz me about things that I remember. I mean, there was there was an interesting culture shocks, even small things, I would say, Okay, I'll give you a really silly story is that when I was young, sometimes we would get these fridge magnets and you get fridge magnets and all sorts of food. And to me, it was always really peculiar because the cheese magnet would always be very orange, and the egg magnet, the yolk would be very yellow. And as a kid, I was very confused. Because in Australia, it's the other way around. Our egg yolks are very orange. And our cheese is quite light in color. And my brain really what what, like, clearly they can do the colors. Why had they made this up? In the USA? I was like, Oh, your cheese is orange. And your eggs are a much lighter yellow color. And so it was little things like that that just a bit like oh, that's, that's different. Yeah.   Michael Hingson ** 12:16 Well, so you. You mentioned the supermarket was out on the Fourth of July.   Cassandra Mok ** 12:23 Around there, I think I've been to a few supermarkets because I've traveled with friends or hung out with friends in their supermarket. So yeah, different different foods, different products. I think, one, one of the times I went I think I went to one of the really big supermarkets and was just astounded by how many things that were. And specific things. I think I had never seen bread that hadn't been cut the crust cut off already, before I went to the US. And I was like this is the thing.   Michael Hingson ** 12:55 When we lived in when we lived in New Jersey, and we lived there for six years, one of the things that amazed us as opposed to California and was this in California, there's an aisle that has bread and other baked goods and so on. In the markets that we generally frequented in New Jersey, they had a whole aisle of nothing but different kinds of bread, different shapes, and just all sorts of different breads. It was amazing. We never experienced that kind of thing before. And then on top of everything else. When big holidays came like Thanksgiving, for example. It was amazing how many people waited to the last second to go and shop. We went down one day on the day before Thanksgiving. And the lines were incredible. We never saw lines like that out here. And we thought the same every year, people just waited till the last minute, or they decided they need more who knows. But it was incredible. But everyone got along, which was also the other part about it. Oh, planning?   Cassandra Mok ** 14:07 Do you think it was planning or panic buying? No. It's much smaller.   Michael Hingson ** 14:13 I don't know. I don't know that it was either of those. I think it's just the way they did it. And, and people maybe they waited at see who I was going to come for Thanksgiving or whatever. But they, it all worked out. And everyone got along, which was really great. There weren't a lot of the kinds of things that we we hear about where people don't always get along today in markets and so on. But back when we were there, which was 1996 to the beginning of 2002 people got along really well in the markets and everyone understood it. So it was okay. But we enjoyed   Cassandra Mok ** 14:52 it. I think that there's this concept of scarcity, right? That you know if If If markets or people were planned for it, there was enough things to go around, it normally isn't a bit of a problem. But I think that these days, there's also the perception of scarcity. Because we're so used to having everything whenever we want, especially in developed countries, that when we don't get something we want. And also, we have this added factor where instant gratification is so quickly resolve you, you order it online, and it shows up in half an hour, that people don't tolerate unpleasant emotions, or don't tolerate the immediacy of getting what they want, as well. Whereas before, especially before globalization became very strong. You only got certain foods and certain times and once it was done, it was done. And you didn't always get it. And so that ability to kind of be like, Oh, we didn't get it. So okay. You know, we just didn't get it, I think is much different from now. This expectation, or, yeah, this, I guess it's an expectation really, that, you know, when I want it, I can get it. And I can get it now. And we marketed that way too. Right? Yeah. Constantly to control.   Michael Hingson ** 16:13 And if something happens, so you can't get it right now, then people get very testy nowadays.   Cassandra Mok ** 16:20 Yeah, yeah, we somehow might not be so good at managing feelings anymore. Especially negative feelings, right? Being able to sit with discomfort being able to sit with, again, a lot of times, it might not necessarily be pain, it might not be, but it's just not pleasant. And we want to get rid of that unpleasant feeling as quickly as possible. And how will we do it, we will lash out, we will buy something we will, you know, who knows? Do all sorts of things.   Michael Hingson ** 16:56 Do you find that that kind of behavior exists all over or just in some places?   Cassandra Mok ** 17:03 I think I think it's becoming more common across the globe, where there is shorter attention spans on media and the ability to get what we want when we want it. I think that there are still a lot of places in the world. That that is not necessarily true. I before. A few years ago, I was living in Cambodia. And there was the expectation that if you saw something in the supermarket that you liked, you should buy it. Because there was no guarantee that in two weeks, it would be there again, and they don't have it so much. You know, I think there was a lot more when you go to market seasonal fruit, a lot less importation from different ends of the planet. So you knew what was in season, because all of a sudden there would be a whole lot of sellers selling that one product. So I think that people who are living closer to the land, I guess, is one way of putting it as some people would put on the table that they're buying things and then we'll look from that and a source from them or more local area are probably a bit more accustomed to not having certain things and they're aware of not having certain things in it. That's just the way it is. Whereas a little bit more patience. Yeah, right, or it's just not that time of the year. Whereas I think that for people who are ordering from very large supermarkets who constantly have a supply of everything, you can get strawberries in the dead of winter, you know, and so it's like, well, why can't I have my store because I really want my strawberries, something like that,   Michael Hingson ** 18:50 even though the quality might not be nearly as good, which is, you know, the other issue. So yeah, you can get your strawberries anytime of the year, but gee, getting them in the summer and the when the harvest actually occurs, they also tend to be generally a lot better. And I think that's another thing that people don't notice that as much because they're just used to getting it any anytime they want.   Cassandra Mok ** 19:10 Exactly our attention spans I think are a lot shorter because of media as well. We have seen over the last few decades that advertising even on television, let's not get into social media and things like that. But even television ads are getting shorter and shorter and shorter, you know, you have 10s that come blocks, one second blocks, things like that was before as used to be a minute. I think even the shortest ones were 30 seconds. So people's attention spans. And you know, immediacy is very different. And I think that as as a species, we want to solve those itches. And we have started a system that that kind of scratches that itch to the point where we don't have to sit with   Michael Hingson ** 19:56 it. So what kind of experiences have you had in your life that have sort of It affected or changed some of your limiting beliefs, your self limiting beliefs. Ah,   Cassandra Mok ** 20:06 it's interesting way you get self limiting beliefs from right. So I've got a story I can share with you. When I was a kid, my parents went through a phase of trying to make their own bread. I remember as a child, sampling things, and I don't know if their bread was that bad. Or when you're a kid, you just like the soft, soft stuff. I just remember being this terrible. bread making must be so difficult. I don't think I will ever be able to make bread. And that was probably a kid. And I didn't really think about it, because I think my parents gave up on that habit and whatever. And then I had this job working in Vanuatu. So for people who don't know, Vanuatu is an island in the Pacific. And I was working on community development programs. So we were living in a community that had no electric, electricity, no running water. And we had been provided some foodstuffs, and we had to provide, we had to bring with us all the food we were going to take for the whole project, which was about three months. And because of some shipping problem, we got some of the food early, and some of the food came much later. And we didn't realize that we'd gone through 50% of our breakfast foods in about a week. And so we were in this position where we didn't have enough food. And I remember calling the office and being like, we're gonna have breakfast. And the office was really nice. And they expect these sorts of things to happen. And the two breakfast foods that we had been given. One was WeetBix, which is a kind of cereal, and the other one, which was a very, very Vanuatu product was breast breakfast crickets, but they are imported goods that are quite expensive. They're processed foods. And I was looking at the budget, and it was so expensive. Now in this community, they have what's called the NACA miles. So I guess the way you could think of it as like a community hall, when I say community hall, it's a very large area with palm leafs and totally open air and a pit by. And their practice was that every month, a different woman from the village could use that make bread and sell bread to the rest of the community so they can get some cash. And then the next month, it would be somebody else's turn. So they were making bread. With no, let's say, higher technology, it was the purest, simplest forms of bread you could get is basically flour, water, salt, yeast that was in and they were doing on our buyer. And it was much cheaper to buy a 50 kilogram bag of flour than it was to buy one box of cereal. So we decided that we were going to learn to make bread. And every day, somebody's responsibility was to make bread for the next day so that people would have enough to eat. So yeah, so then it became this thing, it's a whole, we just have to learn how to make bread and the way we did it, and we would make it and then take it down to the ladies and they would bake it for us, I never thought that that would become something that I would become so keen on. So even later on in life after I left Vanuatu, I really got into sourdough or a big salad and person for a while then I would experiment or make all these different things put seeds in a different kinds of flowers and stuff like that. But again, it was one of those things that I never really thought I would do. If you told me as a kid, you would bake and I would make bread that people would want to eat. I think I would have been confused. But sometimes being put in those positions where you kind of have your back up against the wall makes you realize how much possibility and and ability you have. So yeah,   Michael Hingson ** 24:14 you strike me as a person who likes to explore likes to always learn. And, and if I'm assessing, right and what what makes you a lifetime. I'm a lifelong learner, who are what influenced you to really adopt that kind of a mindset.   Cassandra Mok ** 24:30 It's one of those things that you don't necessarily think of yourself with that label. I think that's a label that people have given me throughout time and I've learned Oh, that's interesting. I had people around me, particularly my parents, and I think parents are so influential in this thing, that they were always learning something whether that was formally or informally. My dad is such a dabbler he used to have books seem to go through phases. He like test things out. And he was always very into new hobbies and trying something in learning something. My mother reads a lot. She's a systematic learner. So she's a different kind of learner. But again, she has never, ever had a point like I never ever saw a point where they weren't looking at new information, trying new things experimenting. I think one time someone had said to me, you know, of course, it was for women's leadership. And the is the facilitator and said, Oh, you know, when you're over the age of 30, you still can go to university if you want. And my brain was like, do you mean you can't go to university, my father did his masters when he was 50. So I think that that you know, who you're around, definitely influences you a lot on kind of the things that you just do. I think I spend a lot of time with people who like ideas and like talking about ideas and like researching ideas, and they're full of random facts. So that always keeps you engaged. And they're like, Oh, I didn't know that. And I don't think it was something I was like, Oh, I'm gonna be a lifelong learner. I think I just really enjoyed it. I just really enjoyed it. I get the right endorphins when I learned something new. So that helps. Yeah, just I think I just poke around stuff you're   Michael Hingson ** 26:22 brought up to explore. And that's great that your parents did that. Um, I wish there were more people who had that opportunity, or who chose to or choose to take that opportunity. I think life is an adventure all the time. And we we do best when we're constantly learning something new, sometimes reassessing, but when we're learning and growing, and we need to do that.   Cassandra Mok ** 26:49 Absolutely. And I think that that's a big thing of I mean, you know, if you didn't have the most adventurous parents fine, but it is who you are around. And I think you talk about this as well, your parents been quite open with you, and being quite encouraging of you to go and do things that maybe other people would have said, Oh, you know, you shouldn't do that. So yeah, I know that my parents definitely then being adventurous themselves, the fact that they moved to a different country, and were migrants. That is a big undertaking, especially before, you know, all of the stuff we have now, I don't think people realize that, you know, well, younger people, I think, cool reflects that young people don't necessarily realize that you didn't hear from people for months. You know, you didn't you got one Christmas card a year, that type of thing. And you were very much on your own country.   Michael Hingson ** 27:45 Well, you've done a lot in a variety of cultures. How does all of that intercultural exposure and innovation, if you will, or effectiveness, address the issue of innovation that makes you a more innovative person? It sounds like, tell me more about that.   Cassandra Mok ** 28:04 Yeah. So the first thing I'd probably say is that innovation is often mistaken for high tech stuff. Yeah. And it's not necessarily you know, your phone, why innovation is it's really about doing something new, or improving something that exists, right. And it's not products necessarily. It could be how you do something, the way something's done, could be a service, it could be an idea.   Michael Hingson ** 28:33 It's also thinking, it's also thinking innovation, is also something that really begins with thinking.   Cassandra Mok ** 28:39 Absolutely, absolutely. It's thinking but it's also perspective taking. So it's another layer on just thinking because if you think that your your bubble is only so big, your thoughts can only go so far, your exposure to different ideas can only go so far. Whereas when you look at how different groups and when I say different groups, I don't always mean that intercultural. intercultural relations aren't always somebody with a different ethnicity who speaks a different language who lives across the border, you can have subcultures, you can have cultures within a nation state. But different people or groups of people have different values, they have different norms. And when you are exposed to that you understand how that works, why they do the things they do, which are going to be different from what you do or what you were brought up with or what you're used to in your environment. You say, Oh, there's a different way of doing that. And when there's a different way of doing that, you can either adopt a new way of doing it, introduce it in or you can combine them together with something that you're already doing. So, from business perspective, they talk about this a lot. They talk about biomimicry, right they borrow from somewhere else. So biomimicry is for example, thinking about the movement in robots instead of thinking that They should move like humans and they could move like octopus. So it's the change of how you structure the base information and how how the world works. So for an octopus, the way they work is very different from how humans work. But let's not get too far into it, because we'll end up talking about a subject that I'm not up that much about marine   Michael Hingson ** 30:21 biology. Well, that's okay. But, you know, let's, let's look at it another way. You, you have a lot of perspective, perspectives, and you have experienced in a number of cultures, and it helps you put behavior and ideas more in perspective, having a whole multicultural, kind of attitude. So clearly, you have ideas of the way things ought to be. And you know, we talked earlier about how, today in our world, we have people who want instant gratification, and there are challenges to that, and so on, how do we shift effectively and appropriately? people's behavior sort of in an in mass sort of way?   Cassandra Mok ** 31:08 Hmm, that's a really interesting question. Because underlying lean groups, societies, organizations, they are made up of individuals, but the dynamics and the interactions change how that happens. So when you have individuals who are looking to change, so for example, people who are looking to get fit or to get a degree, or to exercise more, or whatever it is, you know, they they very much only have to worry about themselves and their own their own reasons for doing it that they're willing to do it. And then you know, when you add in pathways and support, so while there's some of those similar things, when you're doing an on mass, it stops being the individual's personal choice, and it becomes having a common vision. And we see this in the concept of politics. And I say politics with a small p is about getting enough people to have the same type of vision that they're willing to commit and believe in, that they are a part of whether or not they contributed to it, or, you know, somebody came up with something that they they're happy with. And then even once you've had that idea about what are we working on, or what are we trying to change, then the interactions and talking with each other, have a significant impact on how it's taken up. So somebody who was with you, or with a particular kind of change, two weeks ago, you know, they're now gone and spoken to somebody else and met a new group of people. And they've retracted that commitment or that interest. Whereas normally in individuals, that's only their own motivations. So then you also have to look into things like social proof reciprocity hierarchy. So how do all of those interactions go together? It's kind of one way to say it is, if somebody who is popular, starts saying something is important. And this is what they think about the people will tend to pit people, people who like them will tend to, to be like, Oh, this is what they said, and they have said it, so I'm safe under that. And so being able to both find the drivers, and, and the benefits, which might not be for an individual directly, you know, in a mass change, somebody might be losing something. And this is where it gets a bit challenging. So for example, if we said something like, we want to provide better educational opportunities, for at risk youth, I'm just making something that's generally coming out of taxpayers money, therefore, somebody has to be paying that tax, which means they may see that as a loss, to say, well, now I have to give up more money, I can't buy whatever it is that I wanted to buy, that I was going to do. So often, when you're talking about individuals making change, they tend to be doing things that they're trying to get something to improve their life, or they're trying to avoid something that's bad in their life. Whereas sometimes when you're looking at organizational societal change, you are talking about also trying to have to convince and get on board people who have to have less, and that's can be quite challenging. There's also you know, people often think, Oh, why can't Why can't someone so just do this? Or why can't my team just do this? Or why can't society just do this? And I think that there is often an overlooking of the environmental factors, the physical environmental factors, like how is as is your physical space created for you to do something or not do something? So I used to work from road safety. If you don't want people to cross a road in a particular place, you have to put a physical barrier there. But there's also the social, social environment. So what are the policies? What are the signs systems, what are the procedures? What's the support in place to encourage people or discourage people from certain behaviors?   Michael Hingson ** 35:06 Right? Well, you know, the, the other aspect of all of this is that if you are dealing with all this, it really makes it tough to plan or do anything, because there's so many different agendas, there's so much uncertainty, how do we get beyond that, and find ways to have enough commonality to make plans and to accomplish any kind of task?   Cassandra Mok ** 35:31 That's, I think, is, you know, very much linked with the title of your podcast, right? How do you be unstoppable. And a lot of historically, how we planned as individuals or societies as organizations, has been very much a fixed, sort of, we're going to do this, then we're going to do this, and we're going to do this, and we're going to do this, right, we can have a three year plan, and or, you know, this is the task list. And I think now we have to encourage teams, groups, whatever you want to call them, to, to look more at the vision and the impact that they want to have, and tell them less about how to do it. Right. So spending more time on the purpose of why we were doing what we're doing, rather than, you know, micromanaging or being very task based. And when people know, as a collective, what they're trying to achieve together and the dependencies between them, then they're able to sense within their roles within their communities within stakeholders, and make adjustments and make suggestions and say, Hey, actually, we're trying to do a than we really need to think about this other thing that's going on, and are always this constant reflection of learning and checking in and sort of being like, Hmm, how can we do this better? Does this still work? Is this right? For this context, this group this, whatever it is that I'm functioning in? So really, there's a quite a lot of decentralization of where innovation or change or decision making comes from. And we have to do it in much shorter cycles. We can't wait a whole year and say, did this, you know, was that was that okay? Did we do the right things all? You know, you did a whole year plan, because if something changed, now they're saying the speed of disruption, could be a few weeks, I think now with AI. So if you wait that long, you may have really, really miss the turning point of what was going on in the world. So yeah, I think that that's an important thing that we have to encourage people to do is to be okay, I think there's an emotional component with also being okay with the thing, the fact that things aren't going to plan, I think people sometimes get really stuck and fixated on this is how it should be. Or this is how it should work. And and that ability to sort of recognize and say, Oh, well, this is how it actually is. And how can we adapt to that? How can we leverage and springboard off that? Yeah, we spend?   Michael Hingson ** 38:21 Yeah, we spend way too much time on Well, it's got to be done this way, rather than looking at what is the this we really want? And how do we get there and getting people to to do more visioning. And really analyze that. And work as a team is such a challenge. There's there's so much mistrust or distrust in the world that it makes it all that much harder to do, it seems.   Cassandra Mok ** 38:52 Yeah, I think that it's there in order to take risks, I guess, and a lot of changes about what is your risk or mistake tolerance, because when you're changing, you might not get it right the first time, you might not get a right a lot of times. And so you have to have enough buffer, right. And part of that buffer might be very practical things like financial buffers, physical buffers, things like that. But there's also psychological safety and the different people have different levels of, of how much risk they can take. But yeah, you know, people are very apprehensive about things that they're not sure about, because sometimes it's what is it the Better the devil you know, like even if I'm not happy with this, or I don't like it, it's not functioning for me at least there's a familiarity and being familiar with something not having that is a loss and as humans we have a tendency to be more motivated by loss than we are gaining. So yeah, sorry, gone. Well   Michael Hingson ** 39:59 in our, in our world as things progressed and so on, are we relying too much on technology to solve problems rather than being innovative rather than being more creative rather than encouraging? More visioning and thinking?   Cassandra Mok ** 40:15 Okay, I think that sometimes there is this idea that technology is going to save us from all sorts of things. Technology is a tool. And it depends on how you're using it. But it also tech, what we develop as tools reflects who we are, as humans and society. So if we are focusing on tools that and technology that helps us collaborate, that helps us be more diverse in our opinions include the perspectives of more people, then technology can be an aid to that. But I think that sometimes when people think that technology is going to help us, they're sometimes not people who work in anything to do with technology. So basically, they're saying, Well, I'm just waiting for somebody else to solve the problem. Right. And I think that's a dangerous part. It's that absorption of accountability or absorption of power or influence and saying, Well, I can do my bit, you know, what is my ability to move this along? You know, and not everyone is a coder, or, you know, building, you know, what I like to call high tech stuff. But even the way of doing something that is different, isn't innovation, right? Some of the stuff I really love is what's low tech innovation, right? Putting a planter over the part of your garden, that people keep walking on, and ruining the glass is an innovation for you, right? Like it's it creates a different way of solving that problem that you weren't doing before. So I think that there's very much there's very much one the perception of what technology is and what innovation is, but also the fact that by including more ideas, being open to more ideas by listening more to people, some people listen, just to prove themselves, right, as opposed to deeply understanding Mmm hmm. Because there's also a false assumption that all logic and all rational is objective. It's not it comes very much based in how you grew up the values you have, you know, the way the world works for you. Right. And people often like to hide behind science and, and rationality when it's somewhat of a non common platform that, if I can say it like that,   Michael Hingson ** 42:56 well, you talk about people and being innovative, and so on. And clearly you, I think, support the concept of team efforts on things. So you mentioned, you mentioned things like decentralized leadership, what is that? And how does that encourage innovation? I think I know the answer, but I'd love to hear you describe it.   Cassandra Mok ** 43:21 Yeah. Okay, so so we have some really interesting models of leadership. And, you know, let's not turn this into an academic class. But the concept of leadership has changed over time where, you know, leadership was originally thought of management, we still see traces of this, that people say, their senior leadership team, and those people aren't exhibiting any leadership skills as a senior management team, right. Leadership is not a designation you can give someone. It's not about authority within a structure. Right? We'd hope that those people that at the senior levels are showing leadership, but it's not a given thing.   Michael Hingson ** 43:58 Right? Well, it's a delegation you can give someone but it doesn't make them a leader. Exactly,   Cassandra Mok ** 44:02 exactly. And then we went, what we often see in the media now is this, what's called like heroic leaders, you know, this person did this. And you know, they're, like, the most amazing person. And I that's not discrediting their vision, how hard they worked, the fact that they could put together a good team. But none of those people that we venerate in the media as these amazing leaders did it on their own. But it makes for a nice story, this person who their magical abilities made them, you know, the head of whatever. And I think so when we talk about decentralized, leading, it's a very different model of leadership that sometimes people take some time to get their head around where it's not about a person anymore. charismatic leadership is actually quite toxic. People say well, if you have leadership skills, but then you know you can use it to start a cult, like ABS salutely, right? The ability to be persuasive and charismatic, and all of that sort of stuff doesn't say whether that's good or bad, all it says is that you can get people on board, right. And whether you use that, for something that is healthy for those other people is not necessarily a given, right. So contemporary leadership is very much looking away from a person and looking more at collective actions towards something. So we all do it together. It's like, if you are planning a picnic, with your friends, there isn't somebody who's in charge of the picnic. Officially, no one gives them a title and says you're a picnic leader, people tend to say, well, we want to have a nice time together, I will do this, and somebody else will volunteer to do that. Why? Because we all want to get together and have a nice time. And so decentralized leadership is really about not putting things that there has to be authorities always, you know, giving permission or dictating. And it's more around everybody participating, sensing, communicating, they interact with each other, and they are sharing information, so that people can say, Oh, we can work towards this. And we can walk work towards that, oh, we've seen this thing that we need to Oh, like someone messaging and being like, it's going to rain. So that somebody else can say, Ah, I have a space that we can use, that's undercover, right. So it's everybody kind of pulling together in order to get the collective got. So if you lose somebody, so if someone says, oh, you know, my car broke down, or whatever, the picnic is not going to suddenly stop. Right? There will be an ability for everyone else to sort of go, Okay, we we can we can figure around that we can work that out, we can do whatever it is that needs to be done. Because together, we want to achieve something.   Michael Hingson ** 46:54 Again, it gets back to the fact that what we're really talking about is teamwork. And people working together. And they're, there's so much more of that that would really benefit us all. It is, again, something that we have to deal with. And clearly you're talking about a lot of very innovative kinds of things. People always are a lot of times think about innovation, relating to business. Lots of really innovative company. Crypto was very innovative. And just recently, we've seen some real major problems with that. So one wonders about the innovation. But why is it that innovation culture be about more than business?   Cassandra Mok ** 47:43 Well, I think that I think once you start looking at it, there are social needs and human needs that we have. And the things that are easy to solve are easy to solve, we are now getting to a point where our human needs are getting more complex and interactive. It's no longer about teaching somebody how to fish. Because, you know, the water is polluted, and there's no fish living there, you know, you it stops being a linear solution. So having an in, you brought this up earlier, you know, innovation, culture and mindset is really around thinking and playing around and trying new things and testing things and then seeing what works and then adjusting until it really works. And so I think that we need what much more creative. And as you said teamwork and like collaborative views on how do we solve these problems, especially the really big global problems, because it's not going to be one person, one person's not going to go out there and solve climate change. One person out there isn't going to solve often nuclear sites and one person isn't going to go and solve child trafficking, it doesn't work like that there are so many things going on, that people need to be able to work across different areas, across different cultures across different ideas and value systems in order to come up with doing the section towards that collective goal. Right? Yeah, rather than it just being like, Oh, we're going to Band Aid solution is and only treat the symptoms as really looking at root causes, and which part of that root cause and you don't have to be doing all of it, but how you connected how we connected to other people to solve some of these social, social and human needs.   Michael Hingson ** 49:41 Yeah, I appreciate exactly what you're saying. And again, it is all about exploration and wanting to learn all the time. So what do you do when you're not? Well, let me let me ask a different question. First, you graduate from college, and what do you do now?   Cassandra Mok ** 50:03 So these days, I work with people in organizations as a consultant. So it's this, it's, I like to call it a company meant, but other people would call it executive coaching or mentoring, or some sort of consultancy. And so basically, I work with people and organizations that want to create some kind of change now that some, some of those changes are internal. So around their teamwork, their alignment, the systems and processes, because you can have people in a in a group or an organization who wants to do something, but the policies and the frameworks of what they're given to work in are counterintuitive to how they want to work, or what would even be an effective way of working. So there's internal change, but there's also external change. So when people are trying to do some sort of social change program or behavioral change program, we're also doing a lot of strategy around that, I like to call myself the intelligent idiot. So I ask stupid questions, to make sure that a lot of the assumptions are being checked. Because often, we, especially when people tend to come from one, academic, all one sort of background, they tend to see things in one way, because that's just the way it's been. Everybody has sort of agreed and knows that that's what it is. Whereas sometimes, it's just about being like, well, is that actually true? Is that explain this to me. And as soon as sometimes people start explaining these things, they realize, oh, it's, it's Wait, when I have to explain it to somebody else who hasn't grown up with this or hasn't been taught in this line of thinking, it actually suddenly doesn't quite make sense.   Michael Hingson ** 51:52 Which, which mainly also means that you have to take a step back and maybe started a little bit different level to explain it and teach it.   Cassandra Mok ** 52:04 Yeah, absolutely. Absolutely. I mean, I think it's called Socratic learning is that the one that the you ask a lot of questions, and people have to think things through and explain how they came up with things, rather than just kind of doing it just because it's been done like that before. And don't get me wrong. There's a reason why we have habits. There's a reason why we have stereotypes, right? All of these things take cognitive effort, they take energy, and it's an it's a shortcut, and that's shortcuts are helpful. As long as you know, people aren't just always relying on them. And assuming that they are 100%. Correct all the time. I think that those that kind of we need to challenge, what beliefs that we hold and where did they come from? And what does that say about us? And I think it's also, sometimes people think that empathy is just, you know, like, what is it putting yourself in somebody else's shoes, which isn't quite the same thing? It's there is this understanding of understanding why somebody shoes feel the way they feel, because of how they grew up, what's around them, what resources they have, you know, their experience of life is very different. And I think that when we talk about diversity, this is this is a key thing. You know, we often like to poke at diversity by these things that are very measurable, you know, they're they're, they're kind of visible labeled differences, as opposed to even understanding that people come from all these different combinations of things, and some of them might be more similar. And some of them might be very different. But how do we get that to come out? How do we focus more on the empathy and less on dog or knowledge collection? From from having diversity? Right? Right, not everybody is going to be the same. So you know, how, how can we learn from people's experiences? And I think that, and you talk about this a lot, you know, it's attitude, if you believe that everybody has had experiences that may inform the same thing in a different way, regardless of what that experience is, you know, you're gonna have different combinations, different solutions, different ways of thinking about it, different perspectives on it. Right, right. And that's where you get opportunities for innovation, but you also get opportunities for inclusion. How long have you been a coach? Oh, I think I did my coach training in 2018. I think this was after. So just a little bit of background about me. I my first degree was actually in something called Social Inquiry. Don't worry if you don't know what that is. Nobody knows what that is, including my parents. But basically really looking at how societies work, how to groups work, how do you get social and behavioral change? What is social identity, things like that. So that's how I ended up with all this sort of cultural stuff, but also changed stuff. And then I happened to. And also I was working in the nonprofit international development sector for a long time and happened to be in a few organizations that had problems, and ended up being good at organizational change. And so that the organization's mission was still to do so for behavioral projects, and poverty alleviation, all that sort of stuff. But there was massive changes in terms of structure, policy, introductions, business models, all of that sort of stuff had to happen within the organization. And I was surprisingly good at it. I didn't ever think and didn't ever know. So that's what I encourage people to remember as well, when we talk about Don't be so fixated on how you think should things should be, because you never know what comes up. And you never know what you turn out to be good at, or interested in, or, you know, the opportunities are there. So I was doing organizational change for a few organizations. And then I was looking at saying, well, if I'm done social and behavioral, I've done organization, then I should be looking at individuals, because organizations and societies are made up of individuals. So how does that How did those things connect? Yeah.   Michael Hingson ** 56:10 Which is an adventure in of itself, which is really pretty cool. So what do you do when you're not? What do you do when you're not working?   Cassandra Mok ** 56:19 Ah, I'm a big traveler, funnily enough. Yeah, I like to go to other places and experience different, like, how things work. So going back to supermarkets, for example, I like walking around supermarkets, where different places put things and how they group them together, it's sometimes not what you expected. It's like, where do I find this? And they're like, we put this in these sections like, Hmm, fascinating. Yeah, I think travel is very much an easy, or a good step for people who are trying to think about diversity and innovation, and all of these sorts of things. Because when you are in a another country, now, the longer you go, and the more embedded you are, the deeper your experience will be. But you know, not everyone has that privilege to be able to do that. But when you're in a different environment, you are the odd one out, which is much clearer to accept, when then when you are in your hometown, where you've lived for I don't know how many decades, right. So when you're in a different place, there's distinct boundaries, and you are technically an outsider. So you have that ability to sort of observe and experience now some people go traveling, and they're just a tourist, they just take pictures of stuff. And whatever they they're the same regardless, as opposed to having that opportunity to observe and experience a different environment, how things work, the structures, you know, somebody was commenting, somewhere about cook turns, I don't know if you know what that turns out. It's like where you go, Okay, well see, I'm Australian. So I'm like, which way are we turning. But basically, you want to cross across the traffic, instead of so let's say if you're crossing to the left hand side, you know, like you don't hook chain, you just stay in the left lane and hang out in the middle of the road. And then when there's a gap, you go across, the hook turns as you go to the very far side of the road, and then you wait on the side of the road, and then you almost pitch yourself in front of the cross directional traffic, right? So even things like that simple stuff like that. It's like, Huh, interesting. That's how people think that's where they do that, why might they do it that way? How does that work? What are the benefits and nothing is ever perfect? Right? So it's like, well, what are the advantages of doing it this way? What are the disadvantages of doing it in a different way? And I think that helps reflect on yourself in a different place, right and challenge what you think is normal.   Michael Hingson ** 58:54 In this in this country, I think they call those jug handles, at least in New Jersey, they have those kinds of things where you literally, the way you turn is like the handle of a jug, you go out and come back.   59:09 They go, why is   Michael Hingson ** 59:11 it why they're not elsewhere? Or what's the value of it? Good question. But everyone, everyone has their different places. Yeah. Well, we've been doing this a while, but I have to ask you one question that came up in your bio, you said that when you were studying in Mexico, you found that a lot of young people didn't deal with contraception. Why? Okay, so this was a   Cassandra Mok ** 59:34 long time ago. So I just want to caveat that for anyone who's listening, it's not like I've done this piece of research. This was a long time ago. Yeah, this is a long time ago. And I was in a situation where because I was living living in Mexico, I had Mexican housemates. And almost every single one of my Mexican friends had somebody in their life who had gotten pregnant unintentionally. And we're not talking about People who, you know, they kind of finish school when they're 13. And there's nothing else for them to do. And the virtually they become an adult by the time they're 14 because they're working in the field or something we're not talking about. We're talking about people who finish high school when this sort of thing. And I was, I was particularly interested in sex health education back then. And so I was like, oh, okay, so how you having all these people who technically have learned to at school, still getting pregnant? And so that, for me was a curiosity. So I went and talked to some doctors, I talked to some psychologists, I talked to social social scientists around what was going on. And so there are there are certain things that came up. One was machismo, so if you if you don't know what that is, that's basically it's a very male dominated decision making a thing and so, particularly at that time, you know, if you're a woman, and you wanted to have sex, you couldn't say that you wanted to have sex, you had to pretend you didn't want to have sex. And then, you know, asserting yourself so even the example that was given to me was, even if you know, a woman and a man, they want to go on a date, the woman would basically sit by the phone and wait for the guy to call, you don't call the guy. And so you're very much looking at a disparity and being able to negotiate. So if the guy says, I don't want to use a condom, then, you know, it's quite hard to sort of say, well, I think you should get one. Got it. But then you've also got, you know, like, a Catholic country that doesn't believe in contraception. So it's very difficult to get contraceptives, so some places they could get contraceptives, but some times it was very embarrassing, and especially as a woman, you know, to go and say, oh, I need to get a contraceptive. It's there's a social pressure and an embarrassment. And you don't know if somebody's going to tell your parents and then you're not supposed to be doing this. So it was almost like not not planning Britain not getting the pill not getting your own condoms, because you didn't want people to know that you were having sex because you were supposed to not want it. Right, especially as a woman.   Michael Hingson ** 1:02:09 Of course, we're dealing with a situation that was a long time ago. And I don't know how it's changed. But nevertheless, it is what you saw. And it's fascinating that you studied it a lot. Hmm.   Cassandra Mok ** 1:02:21 Yeah, I think the the third component was around the political situation. So very much, you know, the political rhetoric. So it is interesting, when you look at certain countries around the world, the concepts of rights and birth control, and family planning is very interesting. Around the world, I know that this is a bit of a hot debate in the US at the moment. And a lot of it stems from, you know, certain values, I think, predominantly in Christianity, which, for example, in certain parts of Asia, that is not a major factor. Right. So, you know, and I mean, like, China had the one China one child brycie For so right. So clearly, their, their attitudes to are vastly different. Because of their, you know, kind of political stance and beliefs about things. Well, so yeah, it's there's a lot of things that that affect things that are not necessarily people's individual, but they sort of culminate together to give you a social trend   Michael Hingson ** 1:03:23 in a culture. Well, if people want to reach out to you and explore, working with you, and using your consulting services, and so on, how do they do that?   Cassandra Mok ** 1:03:33 Oh, yeah, the easiest way is on LinkedIn. I'm not really on other social media. But if you Google Cassandra Mok, that's the Double S and the Cassandra and   Michael Hingson ** 1:03:43 C a s s a n d r a. And then Mok is M o k . M o k. Yeah. So besides LinkedIn, okay,   Cassandra Mok ** 1:03:53 do you have a website? I don't, people can email me, or collaborate with Cas, that's with one. So collaborate with cas@gmail.com. You can also email me, I'm always happy to have a chat with people. Sometimes I'm just keen to hear what people are doing. So if people want to reach out and just being like, Oh, I'm working on this. I want to get your perspective on something I'm always happy to, to have a call. So yeah, great.   Michael Hingson ** 1:04:20 Well, I want to thank you for being with us. And spending a lot of time talking about a lot of these different kinds of ideas, and clearly a lot of innovation, a lot of teamwork. And it helps build trust, which is always a good thing. So I really appreciate you spending so much time with us today. And you being in Singapore, it's getting late in the evening for you or actually early in the morning for you. So very much that's late in the well not late in the evening, but it's in the evening here. So I am going to let you go but I really appreciate you being here and I want to thank you for listening to us. Hope that you enjoy this and If you can reach out to Cassandra, she would love to chat with you. As she said, I'd love to hear from you want to hear your thoughts, you can always reach out to me Michael hingson. At Michaelhi at accessibe.com. That's Michael m i c h a e l h i  at accessibe A C C E S S I B E.com. You can also go to our podcast page www dot Michael hingson.com/podcast. Michael Hingson is m i c h a e l h i n g s o n.com/podcast. Always we really appreciate it if you would give us a five star rating. And we value your input. And I'd love to get your thoughts on this and all the things that we're doing with unstoppable mindset. And Cassandra for you and for everyone out there. If you have any suggestions for guests that we ought to have on unstoppable mindset, love to hear from you. So please reach out. We value your ideas, and we will work to b

Join hosts Daniel Ettinger, Ashlee Bishop, and Ashley Bishop for an insightful episode of the Animal Control Report. This week, we are excited to welcome Josh Fisher, President of the National Animal Care and Control Association (NACA), and returning guest Jerrica Owen, the Executive Director of NACA. Introduction Daniel, Ashlee, and Ashley kick off the show with their usual charm and enthusiasm, setting the stage for an engaging discussion. Guest Introductions We'll dive right in with Josh Fisher, who will share his background and extensive experience in animal care and control, as well as his journey with NACA. Jerrica Owen, a familiar voice to our listeners, joins us once again to add her expert insights. Current State of Animal Care and Control Josh and Jerrica will provide their perspectives on the current state of animal care and control across the country. They'll discuss major challenges, emerging trends, and what the future may hold for this vital profession. NACA Programs and Initiatives We'll spotlight NACA's online training academy, exploring its significance for animal control officers. Additionally, we'll touch on other key NACA programs and initiatives that are shaping the industry. Animal Control Association Summit Josh and Jerrica will recap the recent NACA summit, sharing key takeaways and highlights. They'll emphasize the importance of these conferences for professional development and networking within the animal control community. Shelter Animals Count & Data Collection Discover how NACA plans to utilize data from Shelter Animals Count and who will have access to it. We'll discuss the critical role of data collection in the profession, membership requirements for participation, and whether data entry will be automatic or manual. NACA Membership Learn about the benefits of being a NACA member for animal control officers and agencies, including membership costs and how to sign up. For those unable to join due to financial constraints or agency limitations, Josh and Jerrica will offer advice on how to contribute to the profession's growth without a membership. NACA's Future Plans We'll delve into NACA's plans for the rest of 2024 and into 2025, highlighting upcoming events and initiatives that listeners should keep an eye out for. Wrap-up Daniel, Ashlee, and Ashley will close out the show, summarizing the key points from the episode and thanking our guests for their valuable contributions. Tune in for a comprehensive look at the state of animal care and control, and get inspired by the dedicated professionals working to advance this essential field. --- Send in a voice message: https://podcasters.spotify.com/pod/show/animalcontrolreport/message Support this podcast: https://podcasters.spotify.com/pod/show/animalcontrolreport/support

Pod koniec maja miał miejsce chyba najbardziej zuchwały atak na polską infosferę ostatnich lat. W serwisie Polskiej Agencji Prasowej opublikowana została depesza o tym, że w Polsce odbędzie się częściowa mobilizacja, a powołani do wojska młodzi ludzie trafią na wojnę na Ukrainę. Ukazała się dwa razy, w odstępie około 20 minut. Depesza ta oczywiście była fałszywa, ale i tak zostało zasiane ziarno spiskowej teorii, że informacja była prawdziwa tylko za szybko opublikowana i rząd teraz próbuje przykrywać fakty. I właśnie takie teorie spiskowe oraz pokaz potencjału wpływania na komunikację były zapewne powodem stojącym za tym atakiem. Już w połowie maja minister cyfryzacji Krzysztof Gawkowski ostrzegał, że przed eurowyborami Polska powinna być przygotowana na to, że Rosjanie uruchomią silniejsze niż zazwyczaj cyberataki - albo dezinformujące, albo na infrastrukturę krytyczną. Tyle, że cały ten rok to jeden wielki festiwal wyborczy - na całym świecie niemal 2 mld osób wezmą udział w 65 wyborach. To rekordowa liczba! A zarazem niebywałe możliwości dla państw i sił, które chciałyby w tych wyborach mieszać. Przyglądamy się więc temu, jakie technologie i techniki są używane, by wpływać na procesy wyborcze od Indii po Mołdawię, czy można im wierzyć i kto powrócił do żywych, żeby namawiać do udziału w wyborach. W tym odcinku TECHSTORII swoją wiedzą dzielą się: - Jakub Szymik z Fundacji CEE Digital Democracy Watch - Martyna Bildziukiewicz, szefowa unijnego biura ds. walki z dezinformacją „East StratCom Task Force” - dr Aleksandra Jaskólska z Uniwersytetu Warszawskiego, politolożka i specjalistka od polityki wewnętrznej i zewnętrznej Indii - Christine Bejerasco ekspertka ds. bezpieczeństwa z firmy WithSecure Śródtytuły - na skróty: 00:00 - Wprowadzenie 05:01 - Unia szykuje się na atak 11:23 - Technologiczne sianie chaosu 16:15 - Deepfejki w polityce 25:12 - Indie wielkim laboratorium AI 41:20 - Co wydarzy się w USA 46:36 - Reakcja Big Techów i polityków Źródła: - O przeszukaniach w PE: https://www.france24.com/en/live-news/20240529-%F0%9F%94%B4-police-search-the-european-parliament-over-possible-russian-interference - O deepfejkach w UK: https://www.politico.eu/article/uk-keir-starmer-labour-party-deepfake-ai-politics-elections/ - Jak fałszywy Tom Cruise działał na rzecz Rosji: https://www.politico.eu/article/ioc-says-it-was-hit-by-fake-news-campaign-and-ai-tom-cruise/ - Jacek Dukaj o AI w wyborach: https://wyborcza.pl/7,75517,30113788,jakie-ksiazki-napisze-nam-ai-jacek-dukaj-juz-wie.html - O zalewie deepfejków w Indiach: https://www.wired.com/story/indian-elections-ai-deepfakes/ - Amerykanie boją się wpływu AI na wybory: https://www.elon.edu/u/news/2024/05/15/ai-and-politics-survey/ Polecane odcinki TECHSTORII - 9, 70, 84: - https://audycje.tokfm.pl/podcast/118930,9-Jak-Rosja-zrobila-z-Ukrainy-laboratorium-cyfrowej-wojny - https://audycje.tokfm.pl/podcast/153171,70-Przeprosiny-Zuckerberga-manipulacje-napedzane-AI-i-technologiczna-nowosc-TECHSTORIE-LIGHT - https://audycje.tokfm.pl/podcast/158084,84-Jak-Europa-rzadzi-swiatem-Efekt-Brukseli-odczuwalny-nawet-w-Azji

This week, Jason is joined by one of the fan favorites from Season 3 of Netflix's Love is Blind, Nancy Rodriguez! Nancy quickly became one of the more popular members of the cast after accepting the proposal of one of her other cast members, although her relationship did not end up having a happily ever after in marriage. Nancy continued to focus on bettering herself, both personally and professionally. Since her season ended, Nancy continued her career as a speech pathologist while also growing her long-time side hustle as a real estate investor.  Nancy gives insight to where she was at in life when she was casted for Love is Blind, the story of her application process for the show, what questions she asked when signing the contract for the show, how long they are in the pods for, how Love is Blind differs for The Bachelor world, how couples had more of a say on what was said in front of the camera,  what life looked like after filming the show and what the healing process looked like, how she created her brand, and why staying authentic is critical to who she is. Nancy also reveals how she built her business model for posting on social media, how she got into $100k in debt to paying it off, how she used NACA in regards to real estate, working alongside exes and creating boundaries, and breaking down all things real estate.What reality show did she envision for herself prior to Love is Blind? What does she think is petty when it comes to broken engagements?  Nancy reveals all that and so much more in another episode you can't afford to miss!  Host: Jason Tartick Co-Host: David Arduin Audio: John Gurney Guests: Nancy Rodriguez Stay connected with the Trading Secrets Podcast!  Instagram: @tradingsecretspodcast  Youtube: Trading Secrets Facebook: Join the Group All Access: Free 30-Day Trial  Trading Secrets Steals & Deals! The Farmer's Dog: This spring, brighten up your dog's bowl with fresh, healthy food. Get 50% off your first box, delivered to your door here Monarch Money: Unlike other personal finance apps, Monarch's simple, intuitive design makes it so easy to set up, customize, and use. Monarch has built-in features to collaborate with your partner, family, or financial advisor. Go to monarchmoney.com/SECRETS for an extended 30 day free trial. Yahoo Finance: Whether you're a seasoned investor or are looking for that extra guidance, Yahoo Finance gives you all the tools and data you need in one place. For comprehensive financial news and analysis, visit the brand behind every great investor, YahooFinance.com MeUndies: From all black classics, to fun, expressive prints, MeUndies has a look for everyone. Plus, they come in sizes XS-4XL, guaranteeing a flattering cut for every body. Good things come in big packages at MeUndies. Get 20% off your first order, plus free shipping, at MeUndies.com/trading Lume: As a special offer for listeners, new customers GET 15% ALL Lume products with our exclusive code - and if you combine the 15% off with the already discounted starter pack, that equals over 40% off their Starter Pack! Use code tradingsecrets for 15% off your first purchase at LumeDeodorant.com. 

On Wednesday March 15th, 1944 during battle, the allies dropped nearly one-thousand tons of bombs and two hundred thousand rounds of artillery on the Monte Cassino Monastery, while trying to storm the building. They were unable to dislodge the Germans. The allies were having more success sinking submarines. Over the next forty-eight hours Allied forces sank one Japanese and three German subs. On Thursday at a National Advisory Committee for Aeronautics seminar in Washington, D.C., NACA personnel suggested a jet-propelled airplane be developed. On Friday the 17th Mount Vesuvius erupted, destroying nearly ninety American aircraft and displacing twelve-thousand italians, while Soviet forces took Dubno and Zhmerynka. The Soviets were set to begin their third Narva Offensive on Saturday as German soldiers began massacring people in both Romania and Italy. The Germans were facing heavy bombing at home, and all of Europe knew an allied invasion was coming. NBC's War Telescope took to the air over WEAF in New York at 1:45PM.

NASA honors the legacy of the agency's first African American female engineer and affirms a commitment to diversity and inclusion as core values.

I review how to get a NACA loan in 2024 by going over the NACA guidelines listed in the NACA Qualifications Workbook as well as reviewing the  NACA Homebuyer Workshop Presentation. These are the topics covered 1:35 Your 3 big questions about getting a NACA loan 2:50 NACA;s 10 steps to homeownership 3:00: Step 1 NACA workshop overview 3:17: step 2 Understanding the NACA membership portal 4:31: step 3 NACA qualification 4:45: 1st hand experience from a member & mindset for the NACA program 6:11 NACA's below market rate & priority v non-priority members 8:17 NACA priority and eligible areas 9:17 NACA's interest rate buy down 11:04 NACA loan type overview rehab loan, section 8 program 11:40 NACA Loan limits 12:21 how NACA determines what you can afford 12:51 NACA's budgeting worksheet 13:27 How NACA calculates monthly savings 14:05 NACA payment shock 15:30 NACA DTI limits 17:46 NACA membership requirements 18:38 NACA credit requirements 20:31 NACA does pull your credit report 21:17 How NACA looks at on-time payment history 21:39 How NACA looks at rental history /proof of payment 23:07 NACA's income qualification for W2 employees & self employed 24:00 How NACA looks at debt and derogatory credit impact the ability to qualify 24:43 How student loan debt impacts qualifying for a NACA loan 25:39 how much money do you need for the NACA program 27:01 NACA reserve requirements 27:34 The documents you need for a NACA loan 28:12 steps 4-10 overview of the NACA program Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw Outside of Dallas? Connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/   This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap.  

Two-time Emmy and three-time NAACP Image Award-winning TV Executive Producer Rushion McDonald interviews trusted real estate advisor Randy Louis. They discuss NIL & Wealth Programs helping young athletes make better decisions with their money; the Neighborhood Assistance Corporation of America ("NACA") program can help you buy back your Block." and provide financial literacy to create generational wealth.  Support the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and three-time NAACP Image Award-winning TV Executive Producer Rushion McDonald interviews trusted real estate advisor Randy Louis. They discuss NIL & Wealth Programs helping young athletes make better decisions with their money; the Neighborhood Assistance Corporation of America ("NACA") program can help you buy back your Block." and provide financial literacy to create generational wealth.  See omnystudio.com/listener for privacy information.

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! --- Please don't forget to join our covered call webinar! We'll be joined by Wall Street experts, allowing us to learn from the best. To save your spot, click here! --- Public has finally released options trading on their platform! To learn more about all of the product features Public offers, ⁠click here!⁠ --- Opt-in and share your email, ⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠ Learn more about our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠4-module video course!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Download our FREE Budget Template, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ To learn more about Robert: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://stan.store/RobertJCroak⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ To learn more about Austin: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://stan.store/austinhankwitz⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Contact: richhabitspodcast@gmail.com --- Options are not suitable for all investors and carry significant risk. Certain complex options strategies carry additional risk. Options can be risky and are not suitable for all investors. See the Characteristics and Risks of Standardized Options to learn more.For each options transaction, Public Investing shares 50% of their order flow revenue as a rebate to help reduce your trading costs. This rebate will be displayed as a negative number in the “Additional Fees” column of your Trade Confirmation Statement and will be immediately reflected in the total dollars paid or received for the transaction. Order flow rebates are only issued for options trades and not for transactions involving other assets, including equities. For more information, refer to the Fee Schedule. All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Open to the Public Investing, Inc., member FINRA & SIPC. See public.com/#disclosures-main for more information.

Don't forget to subscribe, leave a rating and a 5-star review. If you leave a 5-star rating and review, send me an email info@blackrealestatedialogue.com and I'll send you a free training on finding and analyzing properties.This episode is with Randy Louis, who has sold over $100 million in real estate and has also helped over 50 people buy properties with $0 down through the NACA program. Randy transitioned from a successful career in HR to becoming a top performing agent and investor in the DMV. In this episode, we discuss gentrification, the NACA program step by step, how to grow your real estate portfolio through various programs and more. How to find randyIG- @realestate_randy_dmvCreate an account with Baselane and be entered to win $500! https://www.baselane.com/samFree ResourcesDownload my free guide, How to Buy Your First Rental Property in 2024- https://www.outofstatemoney.com/how-to-buy-your-first-investment-property2024Download my free guide, 8 Steps to Buying Your First Out of State Property- https://www.outofstatemoney.com/long-distance-investing-guideDownload my free guide Top 10 Down Payment Assistance Programs- https://bit.ly/dpassistance1CoachingApply for my out of state investing coaching program here -https://www.outofstatemoney.com/Follow on Social MediaInstagram- https://www.instagram.com/blackrealestatedialogue/Tik Tok- https://www.tiktok.com/@blackrealestatedialogue

SUPER EN VIVO LUNES Y MIÉRCOLES 7:00PM LIVE PODCAST https://www.facebook.com/hijosdemorazanhn TIK TOK : https://www.tiktok.com/@loshijosdemorazan Youtube live https://www.youtube.com/@lhdmlive

The Neighborhood Assistance Corporation of America (NACA) offers an incredible mortgage program that makes homeownership more affordable. Eligible borrowers can expect no down payment or closing costs, attractive terms, and hand-holding throughout the entire process. Here's everything you must know about the NACA mortgage. Learn more about your ad choices. Visit megaphone.fm/adchoices

Don't forget to subscribe, leave a rating and a 5-star review. If you leave a 5-star rating and review, send me an email info@blackrealestatedialogue.com and I'll send you a free training on finding and analyzing properties.In this episode,  I discuss Redfin's 2024 housing market predictions and my own analysis. Navigating the housing market as a millennial or first-time buyer can seem like an impossible task. That's why this episode is packed with actionable advice and insights into overcoming those barriers to ownership. We discuss the evolving perceptions around renting vs. owning, FHA loans, NACA programs, conventional loans, and down payment assistance to help set you on the path to acquiring your piece of the American Dream. And for those of you considering a strategic relocation or out-of-state investment, I delve into the unexpected market trajectories in places like coastal Florida and burgeoning smaller cities, where new interest is fueled by migration patterns. Free ResourcesDownload my free guide, How to Buy Your First Rental Property in 2024- https://www.outofstatemoney.com/how-to-buy-your-first-investment-property2024Download my free guide, 8 Steps to Buying Your First Out of State Property- https://www.outofstatemoney.com/long-distance-investing-guideDownload my free guide Top 10 Down Payment Assistance Programs- https://bit.ly/dpassistance1CoachingApply for my out of state investing coaching program here -https://www.outofstatemoney.com/Follow on Social MediaInstagram- https://www.instagram.com/blackrealestatedialogue/Tik Tok- https://www.tiktok.com/@blackrealestatedialogue

Mike Sertle, manager of conservation programs, and Sara Burns, water program specialist, join Dr. Mike Brasher to share the exciting story of how DU is growing conservation through innovative partnerships around the many benefits of wetlands and waterfowl habitat. From water quality to flood water retention and coastal resiliency, DU's new work in Sustainability and Nature-based Solutions is attracting more partners, funding sources, and ideas to our waterfowl and wetlands conservation mission.www.ducks.org/DUPodcast

Rushion interviews Bruce Marks, CEO of NACA – America's Best Mortgage Program. The incredible NACA mortgage allows NACA Members to purchase their homes with the following: No down payment No closing costs No fees No requirement for perfect credit And at a below-market interest rate Support the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

In this episode Andre Haynes (@renaissance123) comes by the studio to discuss NACA loans with MG & Tukes. Support this podcast at — https://redcircle.com/rants-and-gems/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy