Podcasts about Nah

Today's episode of The Rizzuto Show starts with a devastating tragedy that may require federal intervention, congressional hearings, and at least three strongly worded emails: Moon got rejected by the Blue Angels. That's right. After years of dreaming about flying with the legendary flight team, filling out paperwork, getting medical forms completed, and generally doing everything he was supposed to do (allegedly), the Navy said, "Nah." The crew spends way too much time trying to figure out who got the spot instead, throwing out names ranging from Cardinals legends to local celebrities and basically anybody who isn't Moon.Then things somehow get even weirder.The gang debates one of the most ridiculous music questions ever created: if you could only listen to one genre for an entire year, would you choose mumble rap, post-9/11 patriotic country, Christian death metal, or AI-generated EDM? The answers reveal way more about everyone's personalities than anyone intended, and somehow Christian death metal becomes the surprise hero of the conversation.In Crap On Celebrities, the celebrity chaos is firing on all cylinders. Diddy drama takes another bizarre turn, Sabrina Carpenter gets a restraining order against an alleged stalker who apparently thought hiding in a Prius was a good plan, Taylor Swift fans once again convince themselves they're decoding secret messages from the universe, and The Black Crowes find themselves at the center of a USA chant controversy.The crew also dives into the latest music news, including Mick Jagger somehow still having more energy than people half his age, a Gene Wilder biopic that already has everyone fan-casting, and the ongoing debate about whether Val Kilmer was a misunderstood genius or simply impossible to work with.Then comes the emotional destruction.A list of the most heartbreaking animal moments in movie history sends everyone spiraling. From Artax sinking into the Swamp of Sadness in The NeverEnding Story, to Mufasa's death in The Lion King, to Homeward Bound, Fox and the Hound, I Am Legend, and more childhood trauma than any morning radio show should legally be allowed to revisit before noon. If you've ever cried because of a fictional animal, prepare to relive every painful second.It's another completely normal day with The Rizzuto Show, which means absolutely nothing is normal.Whether you're here for celebrity gossip, weird news, movie nostalgia, music debates, or Moon's ongoing battle against aviation-related disappointment, this daily comedy show delivers the perfect mix of laughs, chaos, and emotional damage.Thanks for making us part of your morning. Seriously. We have no idea how you've tolerated us this long.If you're looking for a daily comedy show that somehow combines military aviation drama, celebrity scandals, death metal discussions, and childhood trauma into one episode, congratulations—you've found it.And if you're already a fan of this daily comedy show, you know exactly what kind of beautiful disaster you're about to hear.Follow The Rizzuto Show → https://linktr.ee/rizzshow for more from your favorite daily comedy show.Connect with The Rizzuto Show Comedy Podcast online → https://1057thepoint.com/RizzShowHear The Rizz Show daily on the radio at 105.7 The Point | Hubbard Radio in St. Louis, MO.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Moon is finally back from Europe... barely.After rocking massive Goldfinger shows in England, Moon thought he was headed home with some great vacation stories. Instead, he found himself trapped in a German airport nightmare involving missed connections, endless lines, angry travelers, confused airline employees, and enough frustration to test the patience of a saint. If you've ever been stranded while traveling, you'll feel every second of this story.Of course, this being The Rizzuto Show, we can't simply discuss international travel like normal adults.Before Moon can even finish explaining how he got stuck in Frankfurt, the conversation somehow derails into an in-depth investigation of nose hair trimming technology. Which trimmer works best? Which one is lying to you? Can any of them actually reach the mysterious "front cave" region of your nostrils? Important questions are asked. Very few are answered.Moon also shares stories from London, Paris, the European heat wave, questionable airport experiences, and the realization that saving money on flights sometimes costs your sanity. Along the way, the gang debates the worst possible movies to watch while flying on a German airline, and somehow turns Saving Private Ryan into an accidental international incident.Meanwhile, back in St. Louis, the crew talks about the vandalism at Steve's Hot Dogs and why supporting local businesses matters when they're already battling construction, rising costs, and random acts of destruction. The conversation then drifts into National Hot Dog Day planning because apparently that's how professional broadcasters handle serious topics.And just when you think things couldn't get any weirder...A Maryland Heights Hooters becomes the setting for one of the most bizarre crime stories imaginable. Let's just say one customer took "dining in" a little too literally. The crew breaks down the unbelievable details and wonders how someone ends up making that series of life decisions.Also in this episode:Moon's European vacation recapThe great nose hair trimmer debateGerman airport survival tacticsTravel horror storiesSt. Louis hot dog newsGas price hunting strategiesForest Park getting national recognitionStrange airline movie choicesHooters headlines nobody asked forThe usual daily chaos from Rizz and the gangIf you enjoy sarcastic humor, ridiculous travel disasters, bizarre news stories, and a group of friends getting distracted every five seconds, this episode delivers exactly what you'd expect from your favorite daily comedy show.Thanks for making The Rizzuto Show part of your day. Whether you're listening at work, in traffic, or while aggressively researching nose hair trimmers, we're glad you're here.The daily comedy show continues with another episode full of travel fails, unexpected detours, weird news, and the kind of conversations that probably shouldn't happen on a morning radio show.Moon got rejected by the Blue Angels. That's right. After years of dreaming about flying with the legendary flight team, filling out paperwork, getting medical forms completed, and generally doing everything he was supposed to do (allegedly), the Navy said, "Nah." The crew spends way too much time trying to figure out who got the spot instead, throwing out names ranging from Cardinals legends to local celebrities and basically anybody who isn't Moon.Then things somehow get even weirder.The gang debates one of the most ridiculous music questions ever created: if you could only listen to one genre for an entire year, would you choose mumble rap, post-9/11 patriotic country, Christian death metal, or AI-generated EDM? The answers reveal way more about everyone's personalities than anyone intended, and somehow Christian death metal becomes the surprise hero of the conversation.In Crap On Celebrities, the celebrity chaos is firing on all cylinders. Diddy drama takes another bizarre turn, Sabrina Carpenter gets a restraining order against an alleged stalker who apparently thought hiding in a Prius was a good plan, Taylor Swift fans once again convince themselves they're decoding secret messages from the universe, and The Black Crowes find themselves at the center of a USA chant controversy.The crew also dives into the latest music news, including Mick Jagger somehow still having more energy than people half his age, a Gene Wilder biopic that already has everyone fan-casting, and the ongoing debate about whether Val Kilmer was a misunderstood genius or simply impossible to work with.Then comes the emotional destruction.A list of the most heartbreaking animal moments in movie history sends everyone spiraling. From Artax sinking into the Swamp of Sadness in The NeverEnding Story, to Mufasa's death in The Lion King, to Homeward Bound, Fox and the Hound, I Am Legend, and more childhood trauma than any morning radio show should legally be allowed to revisit before noon. If you've ever cried because of a fictional animal, prepare to relive every painful second.It's another completely normal day with The Rizzuto Show, which means absolutely nothing is normal.The gang welcomes Ashley Vogt and NHL veteran Jamie Rivers into the studio to celebrate two massive life events: a surprise Nashville engagement and the launch of Synergy Integrated Healthcare. But before anyone can get sentimental, the show immediately derails into a debate about throwing apple cores out of moving vehicles and whether that technically makes you a criminal. Spoiler alert: Missouri law apparently has thoughts.Meanwhile, Moon relives the heartbreak of being passed over for a coveted Blue Angels flight after thinking he was officially cleared for takeoff. The crew spends an alarming amount of time trying to figure out who could possibly be worthy of stealing his seat. Steve Ewing? John Goodman? Wayne Gretzky? Andy Cohen? The investigation continues.As if that wasn't enough, the crew checks in on the internet-famous guy attempting to live in a room for an entire year while livestreaming the experience. He's lost weight, picked up hobbies, and somehow still has fewer viewers than some houseplants on social media. The discussion quickly turns into a philosophical debate about personal sacrifice, family life, and whether staying locked in a room sounds like punishment or a vacation.Then comes Alpha-Gal Syndrome, the tick-borne condition that could potentially rob meat lovers of everything they hold dear. Lern takes a suspicious amount of joy in imagining a future where Riz can't eat meatballs in Europe, while the rest of the room tries desperately not to anger the tick gods.Follow The Rizzuto Show → https://linktr.ee/rizzshow for more from your favorite daily comedy show.Connect with The Rizzuto Show Comedy Podcast online → https://1057thepoint.com/RizzShowHear The Rizz Show daily on the radio at 105.7 The Point | Hubbard Radio in St. Louis, MO.Serial exposer charged for indecent act at Maryland Heights HootersForest Park Named Best City Park in the USA…Again!Outdoor balloon releases illegal in Louisiana starting in AugustSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In today's show David and Chas question the intelligence quotient required to be labeled a "boob", worry about the Dora household dynamics, question the purity of Stab's latest winner amidst a bombshell of new truth, pay remembrance to one of California's surfing savants, and determine the exact age to stop fighting back pain and accept a hobbled life. Plus Barrel or Nah?! Enjoy!

Pit Hair Yes or Nah? full 346 Wed, 27 May 2026 12:56:47 +0000 QA0TBh5TAN5EkQJ2QbVV2xToPZuRf0Kn latest,wbmx,society & culture Karson & Kennedy latest,wbmx,society & culture Pit Hair Yes or Nah? Karson & Kennedy are honest and open about the most intimate details of their personal lives. The show is fast paced and will have you laughing until it hurts one minute and then wiping tears away from your eyes the next. Some of K&K’s most popular features are Can’t Beat Kennedy, What Did Barrett Say, and The Dirty on the 30! 2024 © 2021 Audacy, Inc. Society & Culture https://player.amperwavepodcasting.com?feed-link=https%3A%2F%2Frss.amperwa

Don't actually click on any of this crap I'm just copying and pasting it from the Diamond and Silk Show episode descriptions on Lindell TV. And also that's the way it looks on the site. I didn't format it weird. They made it look that weird. Well, I guess just Silk did. Because our beautiful "Diamond"'s heart has just given out! Ah!Medicare made simple. Call Chapter today for free and unbiased Medicare guidance at 234-LINDELL or visit https://askchapter.org/lindell
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Stop blindly investing, and start collecting oil royalty checks instead, visit https://LindellOilBoom.comWell I did put it in italics because I was paranoid about someone taking it seriously. Anyway on today's show we're being asked to finance some rich guy's pet project for no apparent reason, begging an aspiring musician to not use AI, and handing over our most personal date to an unaccountable private database. Oh wait, is this REAL LIFE!!!? Or is it the show! Or is it just fantasy. Freddie Mercury! Nah it's just the show. But I wouldn't mind some Fat Bottomed Girls! Oh yeah! Take me home tonight!!Music for YKS is courtesy of Howell Dawdy, Craig Dickman, Mr. Baloney, and Mark Brendle. Additional research by Zeke Golvin. YKS is edited by Producer Dan. Social Media by Maddalena Alvarez.Executive Producer Tim Faust (@crulge)Sign up for YKS Premium please oh god oh god! Follow us on Instagram: @YKSPod, TikTok: YourKickstarterSucks and subscribe to our YouTube channel for more video stuff! Wow, 2026 is gonna be lit!! Gift subscriptions to YKS Premium are now available at Patreon.com/yourkickstartersucks/giftSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

ABOUT COUPLES WEEKEND Four adults navigate deception and desire when a fallen tree on New Year's Eve triggers a chain of events that challenges their relationships and the lies they tell themselves and each other. AIR DATE & NETWORK FOR COUPLES WEEKEND June 8, 2025 | Festivals CAST & CREW OF COUPLES WEEKEND Alexandra Daddario as Debs Daveed Diggs as Josh Josh Gad as Mitch Ashley Park as Melanie BRAN'S COUPLES WEEKEND SYNOPSIS We meet Mitch and Melanie, along with their friends Debs and Josh. They're gathering for a little New Year's getaway at a cabin in the woods. Debs and Mitch, by the way, are also lifelong friends. The next morning, Mitch and Debs wake up early and head out for a hike, but a falling tree cuts the trip short. When they get back to the cabin, though, they see Melanie and Josh hooking up through the window. Debs wants to confront them immediately, but Mitch says no — let's take some time to process this first. So they go inside and pretend nothing happened, which is much easier for Mitch than it is for Debs. Eventually, Debs confronts Josh about lying over something unrelated, and Melanie blurts out, “THEN WHY DIDN'T YOU TELL THEM THE TRUTH ABOUT US?!” Mitch can't handle it and tries to leave…except they're snowed in. The couples split off to talk things through and hopefully get some clarity. Everyone has very different perspectives on what happened and why. At one point, Mitch finds a bottle of mysterious liquor. After taking a drink, he enters this magical state of clarity. He kisses Debs and is like, “Maybe we should be together.” She's like, “…Nah, dog.” Meanwhile, Josh and Melanie argue over who actually initiated the affair in the first place. Mitch calls his boss to quit his job, then starts dancing alone in the living room until Josh walks in. Mitch offers him some of the mystery drink, and after taking a sip, Josh joins him in the same euphoric state. Melanie eventually drinks some too, and finally, as midnight arrives on New Year's Eve, a reluctant Debs takes a drink as well. They all party together, and Debs ends up kissing Mitch. As the night goes on, they all start confessing deep, dark secrets. Josh admits he doesn't even like himself. He also tells Debs that her first novel isn't bad — it's just not honest, something Debs realizes is true. Melanie admits to Mitch that she doesn't feel like they really know each other anymore, and also reveals that someone else actually wrote her cookbook. Josh says he still doesn't believe Mitch about the fallen tree, so the four of them head out into the woods to find it. They do — and end up watching the sunrise together. By the end of it all, Debs and Josh decide to try to work things out, while Mitch and Melanie choose to separate. Debs gives Mitch a copy of her new manuscript to read. Debs and Josh drive off together, Melanie leaves to stay with her parents, and Mitch decides to remain at the cabin for a while. Watch the show on Youtube - www.deckthehallmark.com/youtubeInterested in advertising on the show? Email bran@deckthehallmark.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Support the show. Become a Patron: www.patreon.com/highscore510  ----more---- We discuss:  INTROS: Is Drake a Cornball? 1) Question of the Day: Is Hip Hop music in good hands with the new Rolling Loud artists? {8:30} 2) NEWS: Kool Aid Pineapple is taking over the world! {12:53} 3) NEWS: OF model meets highest paying fan ($3M) {23:58} 4) NEWS: Kim Kardashian giving up on her dream to be a Lawyer after failing the Bar Exam for a 4th time  {26:42} 5) MUSIC NEWS: Drake released 3 albums on one day! Adarius breaks down whether they were Fire or Nah. {30:00} 6) MMA: Ronda Rousey and Gina Carrano had the biggest fight in MMA history on Netflix?? {55:08} 7) Sports: College Basketball has found the next best White Woman at an Indigenous College {1:04:16} 8) NBA: Anthony Edwards quit or paid appropriate respects {1:06:08} 9) Cutty Corner Shoutouts {1:12:18}   *Patreon Page: www.patreon.com/highscore510 *Email: (HighScore510.Fans@gmail.com)   *MUSIC BY: Taj Easton (https://www.tajeaston.com)   *SPONSORS: 1) New Parkway Theatre, Oakland: https://www.thenewparkway.com 2) Til Infinity Clothing

In today's show Chas and David fantasize about a life after quitting surfing, wonder the pleasures of dragging their nether regions through a gapping pit, finally pay respects to Hamana Kalili, flirt with the idea of a having a surfboard dalliance, discover the ultimate White Person Problem, and endeavor to teach the youth the exquisite pleasure of snapping a towel on someone's butt. Plus Barrel or Nah?! Enjoy!

Birgit Fuß schreibt über Musik. Bands, Bücher, Artikel– das ist ihr Leben. Und dann lernt sie jemanden kennen, der wie sie auch beim Rolling Stone schreibt. Erst verliebt sie sich in seine Mailtexte. Dann in ihn. Es folgt ein Jahr. Sie sagt selbst: unfassbar glücklich. Dann stirbt er. Nach kurzer schwerer Krankheit in ihren Armen. In Ihrer Trauer wird noch klarer, wie groß diese Liebe war. Und wie wenig Zeit sie hatten. Zu wenig. Jahre später schreibt sie ein Buch darüber, klar, warm und unglaublich nahbar. Aber nicht verklärend. Sie schreibt nicht um abzuschließen, sondern weil Schreiben das ist, was sie kann. Was sie kennt. Was hilft. Heute arbeitet sie noch als Journalisten, aber sie begleitet auch andere Menschen durch genau das, was sie selbst durchgemacht hat. Nah dran, weil sie weiß, wie sich das anfühlt. Mit Eric redet sie über das glücklichste Jahr ihres Lebens. Über den schlimmsten Moment. Und darüber, was danach kommt.

Hai Wonder Kids, kembali dalam renungan anak GKY Mangga Besar. Judul renungan hari ini adalah Betapa Ajaibnya Tubuh KitaDiambil dari: Ibrani 3:4 “Sebab setiap rumah dibangun oleh seorang ahli bangunan, tetapi ahli bangunan segala sesuatu ialah Allah.”Wonder Kids, saat kita berjalan di taman atau di jalan, kita bisa melihat banyak hal yang indah. Ada pohon, batu, sinar matahari, dan angin yang terasa di kulit kita. Tetapi pernahkah kamu berhenti dan memikirkan tubuhmu sendiri? Tubuhmu juga sangat luar biasa. Jantungmu berdetak, paru-parumu bernapas, matamu melihat, telingamu mendengar, dan semua itu bekerja dengan teratur.Kalau kamu melihat sebuah jam, kamu tahu bahwa jam itu tidak muncul begitu saja. Ada orang yang membuatnya. Jam punya bagian-bagian yang rumit, tetapi semuanya bekerja bersama. Nah, tubuh manusia jauh lebih rumit daripada jam. Tubuh kita memiliki banyak bagian yang bekerja bersama dengan sangat teratur. Itu menunjukkan bahwa tubuh kita bukan hasil kebetulan. Tuhanlah yang merancangnya dengan ajaib.Firman Tuhan dalam Ibrani 3:4 berkata bahwa setiap rumah ada pembangunnya, tetapi Allah adalah pembangun segala sesuatu. Artinya, kalau kita melihat sesuatu yang teratur dan luar biasa, kita tahu ada Pribadi yang merancangnya. Begitu juga saat kita melihat tubuh manusia dan seluruh ciptaan, kita diingatkan bahwa Tuhan adalah Pencipta yang bijaksana dan penuh kuasa.Wonder Kids, kadang-kadang kita terlalu biasa dengan tubuh yang Tuhan beri. Kita bisa lupa bersyukur untuk tangan yang bisa menolong, kaki yang bisa berjalan, mulut yang bisa berbicara, dan otak yang bisa berpikir. Padahal semua itu adalah hadiah dari Tuhan. Tubuh kita bukan milik kita untuk dipakai sembarangan, tetapi pemberian Tuhan yang harus kita syukuri dan gunakan dengan benar.Wonder Kids, hari ini lakukan ini: Pilih tiga bagian tubuhmu yang paling ingin kamu syukuri hari ini. Lalu ucapkan kepada Tuhan, “Terima kasih, Tuhan, untuk tubuh yang Engkau ciptakan dengan ajaib.”Mari kita berdoa: Tuhan, terima kasih karena Engkau menciptakanku dengan indah dan ajaib. Tolong aku untuk bersyukur atas tubuh yang Engkau berikan dan memakainya untuk melakukan hal-hal yang baik. Dalam nama Tuhan Yesus aku berdoa, Amin.Wonder Kids, ingatlah: tubuhmu yang ajaib mengingatkan bahwa kamu diciptakan oleh Tuhan yang hebat dan penuh hikmat. Tuhan Yesus memberkati.

Ellen DeGeneris wants back in, and MTG has moved to Costa Rica.There's something uniquely hilarious about modern America where a poll can ask, “Is America a great country?” and nearly a quarter of the respondents answer like they're being interrogated by the faculty lounge at Berkeley.CNN ran this panel with Kasie Hunt reading the numbers like she was unveiling cholesterol results at a doctor's office.Twenty-three percent said America is the greatest country in the world.Forty-one percent said America is one of the greatest countries in the world.And twenty-three percent said America is not one of the greatest countries.Now pause right there. Because that last number deserves forensic analysis. Twenty-three percent. Nearly a quarter of the country looked around at America and said, “Nah, this place is overrated.”Overrated compared to what exactly? France, where striking is considered cardio? Britain, where people get arrested for tweets and their prime ministers rotate faster than gas station hot dogs? Canada, where the national survival strategy appears to be apologizing while collapsing politely?

Voz de Restauración: Bueno es el Señor – Nahúm 1:7-8 by CCRTV

„Nahé ženské tělo v pohybu je jedna z nejkrásnějších věcí, co se dá sledovat,“ říká v hotcastu Pot Terézia Bělčáková alias Miss Cool Cat. Jako burlesque performerka vystupuje už dvanáctou sezónu se souborem Prague Burlesque a na prahu čtyřicítky se víc otevírá i v osobním životě. S moderátory Eliškou Soukupovou a Karlem Vladykou mluvila o randění, burlesce i cestě k sebepoznání.

In today's show David and Chas laud the successes of Stab High, grimace at the horror show in Raglan, bask in the retribution of the monk seal attacker, attempt to rewire their personalities, discover why kindness is the new cool, identify a theme unique to all Curren stories, learn how to prime the body to find a soulmate, learn that nudity isn't all it's cracked up to be, and question your surf prowess if you've never broken a board. Plus Barrel or Nah?! Enjoy!

Pod Casty for Me week on This Is Your Afterlife concludes with a silly, serious, thorough, and discursive episode with that podcast's other host, Jake Serwin. I'm pleased to say our internet interactions have blossomed into an actual friendship, and I'm not at all insecure about how much I text him after the bit about "Lisa Lampanelli" he does at the top of the episode. Nah nah nah, c'mon, Jake is quick, funny, perceptive, irreverent, and a great hang. Enjoy the second of these episodes with my favorite movie guys who are also political guys.We talk about: toilet humor, being the sibling of a cancer kid, Y2K fear, depression, artful droppings, poststructural theory, ketamine therapy, hyper-vigilance, the poor timing of 9/11, Who Framed Roger Rabbit, The Old Guard, the Universal Studios backlot tram tour, another Pod Casty hiking memory, what red Gatorade is made for, his movie recs for TIYA listeners.Support the show and get the TIYA After Dark feed on Patreon:https://www.patreon.com/thisisyourafterlifeFollow Pod Casty for Me:https://www.podcastyforme.com/https://patreon.com/PodCastyForMehttps://www.instagram.com/podcastyforme/https://twitter.com/podcastyformeFollow/contact This Is Your Afterlife:https://thisisyourafterlife.com/https://www.instagram.com/thisisyourafterlife/thisisyourafterlifepodcast@gmail.comMusic by TIYA house band Lake Mary:https://lakemary.bandcamp.com/https://www.instagram.com/chaz.prymek/Artwork by Matt Sage:https://www.instagram.com/matthewjsage/

This week Evan and Dave take in the latest movie that unfolds entirely on computer screens: LIFEHACK. As they both liked UNFRIENDED, SEARCHING, and MISSING, they were down to check out this different scenario, as no one is dead or missing or a ghost. Nah, in this iteration, the four main characters are trying to pull off a massive crypto heist. But the crypto in question is owned by a slimy totally-not-Jeff-Bezos-or-Elon-Musk dude, so needless to say security is tight, and if they get caught THERE MAY BE BLOOD (to coin a phrase). Oh, and there are lots of tangents in this episode. Over on Patreon, we discuss READY OR NOT 2: HERE I COME, the sequel to...oh, just guess.

The gaming community continues to obsess WAYYYY too much about game reviews. So, the heck with it, I'll do it, too.NAH, but it's time to put these low rent content creators in the (very negative) spotlight.Join our FREE DISCORD and talk PlayStation with the PSD+ community:https://discord.gg/pEDZDp4kTGOUR YOUTUBE CHANNEL:https://www.youtube.com/@PlayStationDailyPodcastOUR INSTAGRAM:https://www.instagram.com/psdailypod/Intro music is "A Cup Of Liber-Tea" which is the main theme from the Helldivers 2 soundtrack.Outro music is the "Super Earth National Anthem" which is a special promotional track for the Helldivers 2 game.

No Common Ground? Break Barriers and Build It Fast Hi everyone, Carl Gould here with your #70secondCEO. Just a little over one minute investment every day for a lifetime of results.  And you can't find something in common, it's painful. You meet somebody. Hey, how are you? Nice to meet you. Oh, yeah, I'm Carl. How are you doing? Oh, good to meet you. Oh, yeah, it's your first time at this? Yeah, great, cool. So you into sports? Nah, not much of a sports person. Oh, oh, OK. So what are some of your hobbies? You know, I don't have a lot of hobbies, so I'm just more of a stay-at-home kind of person. Now, that's just two sentences. How hard was that to watch? And we've all been there, OK? So we have to remove the barriers, have the common goals, master the word yes.  Like and follow this podcast so you can learn more. My name is Carl Gould, and this has been your #70secondCEO.  

EPISODE 233 OF THE RIDINOUTALLDAY PODCAST GOT REAL WILDUsher & Chris Brown concert debate Is you letting your girl go or nah?!M. Davis goes on an EPIC rant about Field Days in 2026 after attending his daughter's field dayKlay Thompson & Megan Thee Stallion rumors Drake's ICEMAN rollout MJ still dominating streaming in 2026 and conversations that went COMPLETELY leftThen somebody asked:“THAT WAP AIN'T WAPING?!”Nah fr this episode was chaos from start to finishReal conversations with real n****s Wild takes Unfiltered moments Classic RIDINOUTALLDAY energyEPISODE 233 OUT NOWYouTube: @ridinoutallday www.ridinoutallday.com IG: @ridinoutallday#ridinoutallday #podcastclips #usher #chrisbrown #drake #iceman #meganthestallion #klaythompson #mj #viralpodcast #youtubeshorts

Andrew is back from two weeks of Spanish immersion in Puebla, and the conversation picks up right where it always does. We get into MetaMonster's 100-demo sprint with their new co-founder, why AI keeps producing bad content for founders (and what Sean shipped to fix it), and somehow end up deep in a conversation about outcome-based agency pricing and why it is a finance nightmare in practice. Links:Andrew's Twitter: @AndrewAskinsAndrew's website: https://www.andrewaskins.com/MetaMonster: https://metamonster.ai/Slackletter: https://slackletter.com/Sean's Twitter: @seanqsunMiscreants: http://miscreants.com/Margins: http://margins.so/Sean's website: https://seanqsun.com/For more information about the podcast, check out https://www.smalleffortspod.com/.Transcript:00:00.41SeanWelcome back to Mexico City.00:02.26AndrewWhat a00:06.90SeanAnd let's get00:07.11Andrewup? I still can't remember how, I still don't know how to say, can never remember how to say like, good to see you. I think it's like, mucho gusto verte, or like, con gusto.00:20.02AndrewI think con gusto is like the the simplest way to say it, but... um00:24.79Seancon gusto my friend um me amigo um00:30.58AndrewAsking Claude, how do I say nice to see you in Mexico?00:37.71AndrewI've been using Claude a bunch for, did i have I talked about this in a past episode?00:40.96Seanyeah yeah yeah but no it's it's it's good it's like um00:42.08AndrewOkay, my bad.00:46.01AndrewQue bueno verte, me da gusto verte. Que gusto verte, que gusto verte is the most natural way. Literally, what a pleasure to see you. Que gusto verte.00:58.77SeanI feel like that's not a thing people say. I feel like.01:02.84AndrewI don't know how often how often people say it yeah01:08.67SeanYeah. Interesting. um how was How was your trip?01:14.97AndrewIt was awesome. um Just going from using Spanish maybe anywhere from half an hour to like two or three hours a day to using Spanish from 9 nine am until like five every day and then sometimes for another couple hours at night.01:34.68Andrewdepending on what plans I had with friends and stuff, um was definitely like much needed. Like I felt my vocabulary improving. i felt myself building some confidence, speaking Spanish, getting a little bit more comfortable.01:50.14Andrewum Also underscored how much I still don't know and like how far I am from where I actually want to be, which is like kind confusing. good and frustrating at the same time.02:03.32Andrewum But overall, really fun and also just nice to see a new part of Mexico. Like, Puebla is really beautiful. um It's a smaller city, a little bit more chill.02:16.06Andrewum but has a really beautiful historic center with porticos that reminded me of like the porticos in Bologna in Italy. um And really good food.02:29.66Andrewum I ate something and like fucked up my stomach for like a week. So that was a bummer, but also just part of being a gringo living in Mexico. um So it comes with the territory.02:44.76SeanYou were going for, I want to say it was two weeks, but it feels like it's been a very long time since we've talked.02:47.10AndrewJust two weeks.02:50.35Seanyeah, I miss you as well.02:50.68AndrewOh, I miss you too. Nah, it was just two weeks. Yeah, but super fun.02:58.52SeanGood. Good, good, good. Yeah. That was a good picture from your group.03:03.93AndrewOh, of the of the class.03:05.53SeanYeah, yeah. That's good.03:06.56AndrewYeah, the school does a really good job of like, so you take classes from nine to one every day, and then you have lunch with the other students. um And you're strongly encouraged to speak only in Spanish while you're at the school.03:21.82Andrewum So you're you're speaking to other students who are at different levels, but speaking in Spanish.03:21.96SeanNice.03:28.48AndrewAnd then in the afternoons, Monday through Wednesday, you're paired one-on-one with a guide who's just a local. um And you walk around Puebla and go visit museums and tour different parts of the city with your guide. um ah The second Monday I was there, i got two of the other students and their guides to come with me to a board game store and we just played board games and talked in Spanish and it was super fun.03:57.64AndrewMuy lindo, very cute.03:59.72SeanNice.03:59.77Andrewum And, ah but yeah, so you get like a lot of one-on-one time with your guide. And then on Thursday, you do like a bigger expedition with the group to a city, you know, a small town or city nearby to Puebla. Yeah.04:15.04AndrewAnd then, ah yeah, Friday afternoons you get off.04:15.40SeanNice.04:18.78AndrewSo,04:19.82SeanIt's like a full immersion type of thing. I like it.04:22.43Andrewyeah, exactly.04:23.14SeanYeah. Cool.04:24.44Andrewum Yeah, super fun.04:25.43SeanYou feel like you are drastically better at speaking the language now?04:31.52AndrewNo, I would not say drastically better. um I would say...04:36.90Andrewmarginally better. Like definitely, like i like I said, like definitely improved my vocab and my confidence, but like still two weeks just isn't enough to like for a drastic change.04:46.47SeanRight, right.04:47.76AndrewI, um yeah, i I need, I wish I could have spent04:49.21SeanGotcha.04:55.55Andrewyou know, two months there, because I think that would have been the kind of time I need to, like, really take a step forward. um Although I found this funny thing. i've I've spent some time on the language learning subreddit over the last, like, six months or whatever.05:11.77AndrewAnd I found this funny joke where like every level thinks they're six months away from being fluent. Like every level of speaker is like, yeah, with like six more months of study, I'll be fluent.05:21.25SeanYeah.05:23.68AndrewAnd it's like, you also just realize the more you learn, like, and Fluent is not easy to define and is kind of a shifting goalpost. um There's like true native speaker fluency. And then there's like, you know, understanding scientific terms. And um so like, you know, I think my goal is just conversational fluency, like be able to meet people who speak with a slightly different accent and not panic and like ah be able to like hang out in a crowd of like, you know, locals and like carry a conversation without being super stressed or watch a movie in Spanish and understand it without subtitles.06:12.37SeanCool.06:15.19SeanCool.06:19.13SeanMy brain's going into, like I forget what it's called, but there's like, a I don't know this is like i don't know if this is for like all languages, but like there's something like from what I understand, but Japanese, there's like an N1 or N2.06:31.96Andrew...

In this episode, Dave and Jamison answer these questions: Should I declare my struggle with this AI world we live in here? Nah. I mean, I'd like the hype to die down, a lot, but we keep getting new tools and I get to experiment, so here we are. My real struggle, and this podcast is implicated in it, is around non-technical people contributing to production systems. Why are we so obsessed with this idea? COBOL tried it. Low-code and no-code tried it. BDD and Gherkin aspire to it. Yet time and again the field demonstrates that you need people who know their stuff. To “democratize” software engineering implies that all people have the desire and ability to become software engineers. That premise is false. You democratize access to education or financial systems, the stock market say. You don't democratize skill. Skills are earned. We would never, I hope, democratize bridge engineering or piloting an aircraft. Software engineers are just as critical as either. When our software breaks, money goes missing, electrical grids fail, information stops flowing. What I do think is great: now more than ever, as long as tokens stay cheap, people have more ability to build useful tools for themselves. But here is how I think about it. We have done tremendous work on literacy, and most people can read, but not everyone is an author. The same applies to code. anon e mouse asks, Should I share my tools? I keep building small local software tools to better test and debug the application I'm working on. The problem is that whenever I go “above and beyond” the assigned and expected work and try and responsible check it into version control and share it with the rest of the team, it gets bogged down in code reviews because it doesn't meet the team lead's vision because it wasn't part of the vision! Once I go through that process though, it's mostly appreciated, but the team lead is under a lot of business pressure and often mentions that we need to focus. Maybe I'm not focused enough, but many of these little tools are things that making verification and delivery much smoother! Like local testing utilities to verify and sample api endpoints that otherwise could only be called after prod deployments due to a lack of test data. Our partners like when we're able to show the output before deployment, and the rest of the team usually struggles with that. I feel a pressure to hide my tools, but then I feel sloppy for having a bunch of useful tools outside of version control. These are things like formatting output, running experiments, testing data for variations. Am I unfocused or just bad at articulating the value of these tools?

Nah, you can keep em.

Fred Fisher  - Fisher Consulting On the Unrealistic Expectations We Have in the Insurance World: "You have to know more about your insurance needs than the guy selling it, the guy who has to take continuing education classes." Insurance is basically paying for a promise you hope you will not need to ask to be kept.  To avoid great financial loss, or to have the support of a team of lawyers, insurance is a necessary evil.  Like most things that are necessary. Fred Fisher of Fisher Consulting has been in the insurance world for decades.  He has been working in insurance in different roles throughout his career and knows the industry inside and out.  What he shares is both educational and a bit frightening. Listen as Fred Fisher shares hard-earned insights gained through decades in the industry as a claims expert, lawyer, consultant, and author. He uncovers the pitfalls of buying on price alone, exposes the risks of working with “order-taker” insurance agents, and explains why business owners need to demand more from their insurance brokers. Enjoy! Visit Fred at: https://www.fishercg.com Sponsors: Live Video chat with our customers here with LiveSwitch: https://join.liveswitch.com/gfj3m6hnmguz Calls On Call Extraordinary Answering Service: https://callsoncall.com Some videos have been recorded with Riverside: https://www.riverside.fm/?utm_campaign=campaign_5&utm_medium=affiliate&utm_source=rewardful&via=james-kademan   Podcast Overview: 00:00 Pursuing law to help artists 06:12 Understanding legal claim complexities 14:22 Undisclosed potential claims risk 17:01 Handling an insurance claim oversight 23:41 Managing legal risks and disclosures 31:51 Handling policy order requests 36:00 How Farmers handles declines 39:30 Unexpected renovation challenges 44:34 Understanding building code coverage 48:41 Understanding tech liability policies 55:16 Delayed claims denial examples 01:01:21 Restrictive insurance policy drafting 01:09:55 Choosing not to compete anymore 01:12:29 Challenges in insurance claims handling 01:19:56 Treating renewals as new business 01:22:53 Program introduction and sponsorships Podcast Transcription: Fred Fisher [00:00:00]: I used to tell my staff, never take a renewal for granted. Treat every renewal as new business because our competitor will. They're going to dive deep, they're going to find a hole, they're going to find out that our insured's doing something new that we didn't know about, that that we're not covering. And they can. So treat every renewal as new business because our competitor is going to do that because it is new business for them. So either we dig deep and compete or we lose the account. James Kademan [00:00:31]: You have found Authentic Business Adventures, the business program that brings you the struggle stories and triumphant successes of business owners across the land. Downloadable audio episodes can be found in the podcast link found at drawincustomers.com we are locally underwritten by the Bank of Sun Prairie, Calls On Call Extraordinary Answering Service, the Bold Business Book and as well as Live Switch. And today we're welcoming, preparing to learn from Fred Fisher of Fisher Consulting. And Fred, I gotta say I'm excited. Though you probably don't hear this very often, I'm excited to talk insurance with you. Fred Fisher [00:01:05]: That's, that's really interesting. That's the fastest way to clear the room is. Oh yeah, we're talking about insurance tonight. James Kademan [00:01:10]: We're going to talk about insurance. I got a thing at that place, right? Fred Fisher [00:01:14]: Absolutely. James Kademan [00:01:14]: No, I'm, I am super excited for a few reasons, right? One, I have some property insurance that's due, so it's top of mind. Two, I live in southern Wisconsin and we just got hit with I think four out of five days. We had hail, there's tornadoes. I got some buddies that had some baseball size hail. And I'm like, man, if I was an insurance company, I'd be like, oh, we gotta write checks. We're supposed to collect the checks, not write them. So anyways, it's top of mind. Fred Fisher [00:01:43]: That's the product though, that's the whole problem. The claim department is where, and this is a quote from a colleague of mine, Chantelle Roberts. The claim department is where the product is produced. James Kademan [00:01:57]: Ah, I like it. Fred Fisher [00:01:59]: I do too. And I will never take credit for it. It's Chantel's. No, she's a phenomenal professional. James Kademan [00:02:06]: That's awesome. So tell me a story about your business and how you got started by accident. Nah, as per usual, it's all good. Fred Fisher [00:02:15]: You know, up until recently, the insurance industry has never been a destination profession. Everybody got into it by accident. You don't go to business school, say, I want to be working for an insurance company. That just does not happen. It Is more so now, though, because more and more colleges and universities do have risk management insurance curriculums, which is unnecessary. But for me, when I went to University of California, berkeley in the 60s, at least I think I did, and I graduated with a social science field major, but I'm more of a gestalt thinker. And so I couldn't just take political science because what good is that without knowing something about journalism or know something about sociology or know something about psychology? In the real world, all that works together. And so that's why I did a social science field major. Fred Fisher [00:03:06]: But when you graduate with a degree like that, where you're going to end up is probably selling life insurance, which is exactly what happened. But I intentionally had already enrolled in law school to go at night. And the reason I did that and the reason why it was intentional is back then, everybody wanted to be a lawyer. And so unless you really were smart, you didn't get into the top law schools. And even then, if, even if you did, if you didn't graduate in the top 10% of your class, you probably didn't have a job waiting for. James Kademan [00:03:36]: For you. Wow. Fred Fisher [00:03:38]: And I didn't, you know, and I didn't want to work for corporate America or whatever anyways. I wanted to be an entertainment lawyer. I wanted to represent artists and musicians because I had a lot of friends who were artists and musicians in Berkeley, in the Bay Area at that time. And I thought, well, I could help protect them, you know, from the evil of corporate America, what have you. And one thing led to another, and I got a job as a law clerk eventually. And the other reason I did this too, is because if you went to the top law schools, like I said, you wouldn't have a job. But if you went to a night law school and you could get a job in the legal industry during the day, you had a job waiting for you was 90%. I like those odds. Fred Fisher [00:04:15]: I like those odds. So I ended up kind of getting a job as a law clerk in what was called an insurance defense law firm. And I have nothing but good experience from that. The gentleman who was heading that firm up, and we were all employees of an insurance company, so this was in house counsel. And he loved teaching, he loved young people and helping them really learn. And as a result, you, if you work there, you, you could move to another law firm, you know, after a year and a half or so, and one thing led to another, and I did that. And then I. And then, unfortunately, the partner of that law firm, after eight months, decided, well, we don't really need a law clerk. Fred Fisher [00:04:57]: What we need is somebody who's licensed and can do Fred's job and also go to court, you know, on minor motions, so. Enough to send somebody heavy out. And so I got laid off. Boo. Yeah. But he actually did me a favor. I had friends that were work. I had a couple of friends that were working at this claim adjusting firm, and they were doing something I didn't even know existed. Fred Fisher [00:05:19]: They were handling nothing but what were called professional liability claims. They were handling cases against lawyers, insurance agents, real estate brokers, medical malpractice, which I stayed away from. A little too real for me. And oddball stuff for Lloyd's of London, including Seedman Zo, you know, for companies that manufacture seed, you know, for. For farmers, so to speak. James Kademan [00:05:42]: Yeah. Fred Fisher [00:05:42]: Coat it with this little clay stuff so that it could be put into a mechanical planter so they could have control over one seed every six inches. How do you like that? I mean, if you're. If you're going to be planting seed in 500 acres, you know, that's a lot of seed if you don't manage it correctly. And it's really expensive. So this was a whole different world. And so I handled a claim involving that where nothing grew. 500 acres, nothing. It was like what happened. Fred Fisher [00:06:12]: You know, I'll never forget the phrase necrosis of the cotyledon boy. There's a federal regulation on it, and I'll never forget it. But it was interesting work and I was good at it. And especially when it came to lawyers and insurance brokers, you had what was called a claim within a claim. I mean, at first you had to decide that the attorney screwed up or did the insurance broker screw up, and then what was the underlying matter they were working on? Because that's where the damages are, supposedly. And so you didn't know whether you were with an attorney malpractice case, whether you were going to handle a personal injury statute of limitations problem, or the attorney didn't file the lawsuit on time. And then the next case has to do with a merger and acquisition. Wow. James Kademan [00:06:55]: You see, What a variety. Fred Fisher [00:06:56]: Yeah, exactly....

Kencan Dengan Tuhan - Minggu, 10 Mei 2026Bacaan: "Siapa menghina sesamanya, tidak berakal budi, tetapi oreng yang pandai, berdiam diri." (Amsal 11:12)Renungan: Pada tahun 2020, perusahaan sepeda asal Belanda, VanMoof memutuskan akan menjual 90% barangnya secara online. Tentu saja, dalam berjualan online sangat penting untuk memastikan barang yang dikirimkan bisa tiba ke tangan konsumen dalam kondisi tetap sempurna. Apalagi penjualan mereka adalah ke seluruh dunia. Mereka amati banyak konsumen kompetitor mereka kecewa karena sepeda mereka tiba dalam kondisi cacat. Muncullah ide yang cukup unik. Mereka mengirim sepeda dengan boks kardus yang sangat besar, kira-kira seukuran boks TV layar datar ukuran 50 inch. Nah, di bagian depan boks itu, dicetak gambar TV selain tentu juga sepeda. Sepintas boks itu lebih mirip boks TV daripada sepeda, dan memang itulah tujuannya. Faktanya, pihak ekspedisi akan lebih berhati-hati jika mengirimkan TV. Dengan mendesain boks mereka mirip boks TV, maka sepeda mereka diperlakukan dengan lebih hati-hati, selayaknya membawa TV. Ketika kita sadar apa yang berada di dalam sebuah boks, maka sikap kita terhadap boks itu juga akan menyesuaikan. Sikap saat membawa boks berisi kue ulang tahun akan berbeda dengan sikap saat membawa boks berisi kue kering. Sikap saat membawa boks bertuliskan "Barang Pecah Belah" atau "Jangan Ditumpuk" akan beda dengan sikap saat membawa boks berisi boneka. Apakah hal serupa juga kita lakukan saat menilai manusia? Jika kita tahu bahwa manusia diciptakan menurut gambar dan rupa Allah (Kej. 1:27), akankah kita bersikap semena-mena pada sesama? Jika kita mengimani Kristus telah mati demi menebus umat manusia, sadarkah kita jika itu berarti tiap manusia amatlah berharga? Dunia menilai manusia hanya dari sisi luarnya saja. Namun, anak Tuhan mesti melihat dengan cara yang berbeda. Lihat sesama kita seperti cara Tuhan memandang mereka. Bukan hanya melihat dari tampilan luar, tapi melihat mereka sebagai jiwa-jiwa yang harus dikasihi dan dihargai sebagai sesama ciptaan Tuhan yang mulia dan berharga. Pandang juga diri kita dengan cara yang sama. Tuhan Yesus memberkati. Doa:Tuhan Yesus, berikanlah aku kemampuan untuk bisa melihat sesamaku seperti Engkau melihat mereka baik adanya, sehingga aku selalu melihat sesamaku dengan kacamata positif. Amin. (Dod).

Week off? Nah. We're back with some bonus content - we answer a few listener questions about the last few episodes and then talk with actor Timothy Simons about how he got into golf, Veep, Hollywood Program Height, Celebrity Tournaments, his first full bag fitting at TPI, and whether he's a Bear or a Shark.  Want bonus content? Join the Velcro: patreon.com/chasingscratch  Kudos to Titleist - Titleist.com Kudos to Shot Pattern - https://shotpattern.app/chasingscratch  MUSIC CREDITS: "Dangerous" by Kevin MacLeod is licensed under a Creative Commons Attribution license (creativecommons.org/licenses/by/4.0/) Source: incompetech.com/music/royalty-fre…isrc=USUAN1100414 Artist: incompetech.com/ "Faceoff" by Kevin MacLeod is licensed under a Creative Commons Attribution license (creativecommons.org/licenses/by/4.0/) Source: incompetech.com/music/royalty-fre…isrc=USUAN1100414 Artist: incompetech.com/

In today's show Chas and David demarcate fighting's return to surf culture, welcome back vigilante justice and false cracks, celebrate the uber competitive Snapper Rocks comp, discover Joel Tudor's presidential ancestor and realize the reason for his need to educate, discover a Multilevel Marketing Scheme has been masquerading as a marital art for 700 years, and advise what to do when you start morphing into your pet. Plus Barrel or Nah?! Enjoy!

Hayden Panettiere has come out as bisexual at 36. Plus, Kesha continues to surprise and delight us, Justin Baldoni speaks after the court settlement and a stack of TV and movie development news! Woohoo! ☕ Hayden Panettiere comes out as bisexual ahead of her new memoir ☕ Kesha admits to wearing her...placenta around her neck. Of course. ☕ Justin Baldoni's lawyer says he's "ecstatic" about the Blake Lively settlement outcome ☕ New details emerge on why Helena Bonham Carter quit White Lotus ☕ Huge news for Harry Potter fans ☕ Hocus Pocus 3 is happening, and all three Sanderson Sisters are back THE END BITSOnce you’ve devoured this morning’s celeb stories, get your daily news headlines from The Quicky here.You can now watch some of our episodes in full length video on the Apple Podcast app - make sure your phone is up to date and we can't wait for you to seeLINK: https://podcasts.apple.com/au/podcast/the-spill/id1473523403Support independent women's mediaFollow us on TikTok, Instagram and Facebook. And subscribe to our Youtube channel.Read all the latest entertainment news on Mamamia... here.Discover more Mamamia Podcasts here.CREDITSHost & Producer: Ash LondonExecutive Producer: Monisha Iswaran Mamamia acknowledges the traditional owners of the land on which we have recorded this podcast. You're listening to Amma Mia podcast. Good morning, angels. I hope you are absolutely glowing today because we have a cracker of an episode. I'm Axe London and there's so much going on. Shoud we just get into it. Let's just buddy, we'll get into it today. Hayden Panachier has come out, Kesha has been wearing something around her neck that makes me feel a little woozy. Justin Baldoni has something to say about the Black Lively settlement, and a huge update from the world of TV and movies was some exciting new projects just announced. So watch you wait for bebe Let's Possum tea first up. Hayden Panachier, best known for Heroes, Nashville and screen Franchise, has come out as bisexual at thirty six, ahead of the release of her memoir This is Me A Reckoning on May twelve. She told Us Weekly, now that I know this book is coming out and I've chosen to share it with the world, I'm comfortable to confidently say that, yes, I'm bisexual. 01:04Speaker 2 I said it. 01:05Speaker 1 That's the first time I got to say it out loud. She explained why it took so long with such clarity. She said it was never the right time. First she was too young and forced to be perfect at all times. Then came the period where people saw women coming out as bisexual as a fad, and she was terrified of being accused of jumping on a bandwagon. She also shared that she's dated women beginning from a very young age with a constant presence of paparazzi. Meant she never felt she could fully emotionally invest because here she did fall in love. That wasn't something that she wanted to ever have to hide. Well, he's to live in your truth, babe, Get a girl next time. My queen Kesha has made an interesting admission about a delightful piece of jewelry she's been choosing to wear around her neck. I mean, we look at the met gala where seeing the rock wearing a five point five million dollar watch. Half a million dollars were the pearls and other ladies and Kesha's guard, Nah, I've got something better at home, my plus center. 01:56Speaker 2 So your placenta supposedly gives you seconds, helps open your third eye, according to my mother. So she stuck it in the oven. She put it in a box, and she found it when I was like twenty one years old in the basement. Wait, she had to like fight for my placenta, my mom. They tried to take my placenta away from her at the hospital and she like fucking threw a conniption fit, and she fought for it. She fought for that. So now I carry it around. She put it in the oven, strapped it up in a box, stuck it in the basement. We found it, Throw it in the blender, pop it in a necklace work art. 02:42Speaker 1 A quick update on the Blake Lively and Justin Baldoni situation, because there's been a slight development overnight. Yesterday we reported that two head settled with no money changing hands and no apology from Baldoni. Now he's a lawyer. Brian Friedman has spoken to the press and the words he used were very deliberate. Of course, he said, I can't talk about the term of the settlement, but what I can tell you is that he is ecstatic. That both Jamie and Justin are ecstatic at the result of this and the settlement itself. They are very pleased with how this has ended up. Friedman also made the point that by the time settlement discussions began, Baldoni himself was no longer even a party to the case. Ten of the thirteen claims had been thrown out, and the remaining claims were against Wayfair Studios and its PR team, not Baldoni personally. He said, you're looking at this settlement as a winner or a loss. I think he just looks at it as a logical ending to a case is already out of Frankly, stick around. A TV and movie update awaits on the other side, from White Lotus to Hocus Pokis and Harry Potter. Welcome back to Morning to You, where I've got a stack of news about upcoming movies and TV shows, and we'll kick things off with the White Lotus as we're getting more and more information about what specifically caused the difference of opinions which led to Helena Bonham Carter quitting the show. According to Variety, the created differences came down to Mike White demanding a oysterous performance from her role of a washed up start chasing a Hollywood comeback bottom. Carter reportedly didn't want to deliver that what specifically was asked that she felt she couldn't give. I had many many questions they may never get answered. The door remains open for a future season. Apparently we live in hope. HBO has officially renewed it's Harry Potter series for season two before season one has even aired, which tells me one thing as Gond be good. Season one at Philosopher's Stone, Premier's Christmas Day twenty twenty six, I hope my family aren't expecting me to spend any time with them that day. Season two will adapt Chamber of Secrets and begins filming this autumn. John Brown, a writer from Succession, has been promoted to co showrunner for season two, joining current show run at Francesca Gardner. His quote on the news seems you're never too old to get your invitation to hog Quarts. I'm already sold obviously. And finally, hocus Pogus IIE is officially in early development at Disney Live Action Studios at all three Sanders Sisters, Sanders Sisters, Back, Vet Middler, Sarah, Desic Parker, and Kakinademia all confirmed to reprise their roles, and unlike Hocus Pocos two, which went straight to streaming, there are plans for a theatrical release this time and I will be in the cinema in full witch costume. I love this movie so much. Practical Magic two and Hocus Pocos three, What a time to be Witchie. And that, my Sweet Angels, is all I've got time for today. I hope you enjoyed your short hit up entertainment news for your Thursday morning. I'll be back on Monday with more of the good stuff, and in the meantime, make sure you check back in around three pm for the spill Digtive and Mass London. Your host executive producer is Minitius Warren and we're back next week. 05:37Speaker 2 Bye, Mamma Mia acknowledges the traditional owners of the land. We have recorded this podcast on the Gatigor people of the Eorination. We pay our respects to their elders past and present, and extend that respect to all Aboriginal and Torres Strait islander culturesBecome a Mamamia subscriber: https://www.mamamia.com.au/subscribeSee omnystudio.com/listener for privacy information.

Nah dran sein. Zuhören. Und die Geschichten mit all ihren Facetten erzählen. Ein Traumjob - aber nicht immer ganz einfach... Chefredakteur Jost Lübben und Redakteurin Laura Werner sind bei Robin Hiermer im Studio zu Gast. Was nehmen wir uns vor, bei unserer jeweiligen lokaljournalistischen Arbeit? Und wie sieht die Zukunft aus?

Calmed down yet? Nah, us neither.

Welcome back to Bropostles, in this episode, the Boys are feuding! Nah but some funny stuff in here and some good dating advice.saveyourparish.comGet rid of your cavings for p0rn or these guys will work with you for free until you do: https://thefreedomgroup.cohttps://i.convinceyourfriends.com/maryFor more content: bropostles.comSunday and Wednesday! Our Wednesday episode is exclusive to our supporters at $10/month and up on Patreon, which you can access at patreon.com/bropostlesFollow us on Instagram: instagram.com/bropostles Join our Discord community: https://bit.ly/crunchdiscordAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

In today's show David and Chas welcome Steph back to her rightful position, investigate the real source of Carissa's weepy win, discover why this new unsponsored era of pro surfing might foster a return to personalities, question whether the rabid Brazzo surf fan is actually the lowest form of fandom, celebrate the generosity of one our OG surf champs, and revel in the benevolent glow of giving away surfboards. Plus Barrel or Nah?! Enjoy!

Send us Fan MailYo, members—Peaches hits you with an exclusive rant from his car hideout on November 20th, because life's too chaotic for video. He dives into special warfare selection basics, then torches the Coast Guard's bizarre move to drop swastikas and nooses as hate symbols—calling it pointless scrutiny bait while dropping history bombs on their origins and why redefining symbols is straight Orwellian manipulation. He fact-checks last U.S. and UK hangings to argue nooses aren't inherently racial, questions the whole policy flip like, "What do they gain besides headaches?" Skips to roasting corporate planned obsolescence in everything from ice cream machines to cars—newsflash, they're screwing you for profit. Then, he skewers a Facebook post on "strategic bullying" by leadership, doubting it's real malice over just tough job realities, and urges the poster to get help amid suicidal vibes. Wraps with a hard no on handing ICBMs to the Army, mocking their low standards and reckless High Mars firings—Space Force or bust, idiots. If you're in the grind, stop whining and toughen up, or get roasted next.⏱️ Timestamps:00:00 - Peaches Breaks Down Special Warfare Selection Grind00:07 - Member Shoutout: Late Drop, No Video, B-Roll Vibes02:09 - Coast Guard's Dumb Hate Symbol U-Turn Exposed04:09 - Symbol Shenanigans: Swastikas, Nooses, and Word Twists06:35 - Hanging History: Last U.S. and UK Executions Fact-Check08:54 - Why Coast Guard's Move is Pure Scrutiny Bait21:43 - Corporate Scams: Planned Breakdowns for Your Wallet22:26 - Bullying Rant: Is Leadership Out to Get You or Nah?24:03 - System Fail? Peaches Calls BS on Victim Vibes28:35 - ICBM Handover? Hell No, Army Can't Handle It

0:00 – The Question That Immediately Starts Chaos 4:07 – We Finally Start… But Nate Has a Wild Problem 9:16 – A Hospital Moment With Moe's Grandmother That Stuck With Him 12:10 – Sneaking a Kid Into Disney? 13:20 – Are We Overusing “Pause”… or Nah? 17:22 – Women… Explain THIS Behavior Real Quick 20:55 – Moe Gives a Personal Health Update 22:07 – Megan Thee Stallion & Klay Thompson Split… Are We Surprised? 46:29 – Would You Let Your Kid Get a Hotel Room on Prom Night? 49:56 – Should a Man Work Hard to Get a Woman? 55:11 – Why Uber Trips Be Testing Your Soul 59:38 – The Moment Moe Almost Lost Himself Over a Listener Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Holiday Weddings, Yeah or Nah? Part 1 full 335 Wed, 29 Apr 2026 13:00:52 +0000 7TPrgox7qRvlz9KOI90JvWC9OSCVSZR9 latest,wbmx,society & culture Karson & Kennedy latest,wbmx,society & culture Holiday Weddings, Yeah or Nah? Part 1 Karson & Kennedy are honest and open about the most intimate details of their personal lives. The show is fast paced and will have you laughing until it hurts one minute and then wiping tears away from your eyes the next. Some of K&K’s most popular features are Can’t Beat Kennedy, What Did Barrett Say, and The Dirty on the 30! 2024 © 2021 Audacy, Inc. Society & Culture False https://player.amperwavepodcasting.com?feed-link=https

Holiday Weddings, Yeah or Nah? Part 2 full 381 Wed, 29 Apr 2026 13:15:15 +0000 BPfL7d7XQWtXpuhJhtqji0KtJE4E2exN latest,wbmx,society & culture Karson & Kennedy latest,wbmx,society & culture Holiday Weddings, Yeah or Nah? Part 2 Karson & Kennedy are honest and open about the most intimate details of their personal lives. The show is fast paced and will have you laughing until it hurts one minute and then wiping tears away from your eyes the next. Some of K&K’s most popular features are Can’t Beat Kennedy, What Did Barrett Say, and The Dirty on the 30! 2024 © 2021 Audacy, Inc. Society & Culture False https://player.amperwavepodcasting.com?feed-link=https

Today, Jason sat down with Caleb Christopher to break down how creative finance is actually being used in today's real estate market, especially for property managers looking to grow beyond traditional deals. In this episode of the #DoorGrowShow, property management growth expert Jason Hull and Caleb Christopher discuss strategies like subject-to deals, the due on sale clause, wraparound mortgages, and other creative transaction structures, along with how property managers can use these tools to acquire more doors, help investors expand their portfolios, and even build their own. You'll Learn [00:09] Introduction to Creative Finance in Real Estate [01:01] Caleb Christopher's Entrepreneurial Journey [04:39] Understanding Subject To Deals [10:10] Opportunities for Property Management Business Owners [11:45] Navigating Legal Counsel in Creative Finance [14:17] Understanding Wraparound Mortgages [19:45] Creative Financing Structures [22:27] The Role of Creative Transaction Consulting [27:06] Building Relationships in Property Management Quotables "If you have a business and you don't know what to do with those opportunities, other people do, and you can get paid a referral fee." "The due on sale clause is always going to be a stone hanging over your head. You can't get rid of it." "Your low-interest mortgage is an asset I'm willing to buy." Resources DoorGrow and Scale Mastermind DoorGrow Academy DoorGrow on YouTube DoorGrowClub DoorGrowLive Transcript Jason Hull (00:01) Five, four, three, two, one. All right, welcome everybody. I'm Jason Hull, the founder and CEO of DoorGrow, the world's leading and most comprehensive coaching and consulting firm for long-term residential property management entrepreneurs. For over a decade and a half, we have brought innovative strategies and optimization to the property management industry. At DoorGrow, we are on a mission to transform property management business owners and their businesses. We want to transform the industry, eliminate the BS, build awareness,   change perception, expand the market, and help the best property management entrepreneurs win. Now, let's get into the show. All right, so in today's episode, I'm hanging out here with Caleb Christopher. Welcome, Caleb. And we're gonna be chatting about creative finance and what it really looks like in today's real estate market. And Caleb's gonna share practical insights from his time in the industry, breaking down strategies like Sub 2, Subject 2 Deals.   Caleb Christopher (00:46) All right, thank you.   Jason Hull (01:01) the due on sale clause, wrap around mortgages and other creative transaction structures to give a helpful real world perspective for anyone looking to get started in creative finance. for property managers, know creative finance is how you help your investors get into more units and they all want to manage more units. So cool. Welcome Caleb.   Caleb Christopher (01:24) Thank you. I live creative finance, so ask in any direction.   Jason Hull (01:26) So, yeah, it's your   thing. Yeah, yeah, you live it. It's your middle name, right? Yeah. So Caleb was showing me he has paint on his arm from right, like, I don't know where he, yeah, he's been doing some stuff. He's like legit into the work. He's got rental properties. So he's down in the, in the paint. So Caleb, give us a little bit of background on yourself.   Caleb Christopher (01:32) Yeah.   Yeah. I've got rental properties.   Jason Hull (01:51) at kind of your, how did you get into doing what you're doing now? What's sort of your entrepreneurial journey for the entrepreneurs listening?   Caleb Christopher (01:58) Yeah, so entrepreneurship has gone way back for me. What, I'm 38 now? I'm almost 39. 39 feels a lot closer to 40 than 38, by the way. ⁓ As an entrepreneur, I'm like, wait, that's like one of those. Anyway, so.   Jason Hull (02:06) Yeah, yeah.   It's a milestone, yeah.   I'm a decade older than you. was born in 77. So I'm feeling even older now. Keep going.   Caleb Christopher (02:18) Okay.   You look fantastic.   So entrepreneurship in fifth grade, I found these mechanical pencils that would come apart in the middle and they were different colors. And I bought them in bulk at Costco and resold them to my classmates in whatever color combinations they want. Mates started making money. I was like, this is kind of cool. And I like customizing stuff. So that was cool. And then a bunch of little stuff like that. And it ended up where I ran a paintball field out of my parents' house in the woods. I liked working. like work as my hobby.   Jason Hull (02:23) Thank   Yeah. Okay.   Yes.   Caleb Christopher (02:48) but also paintball. I've got a 12 year old, we're building a paintball course in my, at my house now, cause he's just starting to get into it. So, but I did that and I bought rental gear and I funded my paintball journeys by having other people rent from me. And so that was that. And then I got into IT and cybersecurity consulting. So entrepreneurship has been a thing where I'm just always adding value, always had a second job, some, some other gig where I like to help do creative problem solving.   Jason Hull (02:48) Yeah, fun.   Yeah, good time.   Nice.   Yeah.   Caleb Christopher (03:15) And then I discovered real estate when I couldn't sell my house. The one I'm in right now was right next door to family, which was great, but I couldn't sell the one I was in. And so I had to rent it out and I became an accidental landlord and refinanced the property. And then I read Rich Dad Poor Dad and I was like, thank God I have a rental property. And that was the beginning of the real estate journey.   Jason Hull (03:27) Yeah.   Right, right. And everybody, you have to read Rich Dad Poor Dad. I think it's a requirement. And then you want to get out of the rat race and yeah, yeah. We would play.   Caleb Christopher (03:41) Yeah.   Yeah. Start building wealth. Just   treat, treat houses like a retirement account. Slow building. Even if you don't do anything else, if you get a few rentals, you're in a pretty good shape.   Jason Hull (03:56) Yeah. Have you seen Robert Kiyosaki's game, the board game? Yeah, probably. Maybe it does all the math for you. ⁓ yeah. We did it the hard way and I would just make my wife do the math. I'm like, go ahead, Sarah. You do this. She's like, she likes it. She thinks that part's fun. Yeah. Right. That's why she's the COO and not me.   Caleb Christopher (03:59) Yeah. It's easier to play online than it is the board game.   It does. Then you don't have all the little cards handing back and forth. So yeah, I highly recommend just running a private game on a computer.   Okay, what a blessing.   Jason Hull (04:25) All right, so cool. Well, let's get into this. Let's get in this topic. So tell us about the first thing mentioned in the intro was like the subject two deals, like this strategy.   Caleb Christopher (04:39) Yes, so sub 2 is when you take a property subject to something else. It could be a federal IRS lien. It could be the person's mortgage. It's always, by the way, everybody does sub 2 deals and they just haven't thought of it this way. When a utility company comes to dig up a chunk of your yard and you can't say something about it, that's because you bought it subject to easements, rights of way, etc. So...   Jason Hull (04:52) Okay.   Yeah, easements.   Caleb Christopher (05:04) There are external things that can act upon you or your property because you bought the property subject to them. What we do in subject to deals is we add the loan to the list of things taken subject to. So if the mortgage company notices that you sold a house to me without paying off the mortgage, right? The deed transfers to me and I'm making your payments now. That's a sub two. ⁓ if they notice and if they care, they can accelerate that loan because of the due on sale clause. So kind of two birds with one stone with this description. It exists in every.   Jason Hull (05:24) Yeah.   Yeah, doesn't that void most loans or?   Caleb Christopher (05:34) loan I've ever seen. Maybe not in a seller finance loan if you explicitly exclude it. It's not required, but a due on sale is a good protection for a lender to have because if you transfer and if they care, they can accelerate. It doesn't require them to. They can.   Jason Hull (05:36) Right.   but they can and   some terms in loans I believe also if you if it switches ownership, they it says it maybe negates the terms of the agreement or.   Caleb Christopher (05:59) Nope, it doesn't cancel anything else. it's, and a lot of people are like, is sub two illegal? No, it's not illegal. Here's when it is illegal. If I'm borrowing with the intent to hand it to somebody else, the deed, it was never my intention to occupy the property or to satisfy the requirements. And I'm misrepresenting or providing materially false information. That's fraud and that's illegal. However,   Jason Hull (06:04) Thank   Okay.   Okay.   Caleb Christopher (06:24) If I buy the house and I move into it as my primary residence or whatever the occupancy requirements are, and then I decide later on to sell it subject to the mortgage, I can do that. And that's a violation, a civil violation of the mortgage contract, which says if you transfer without paying us off or without our permission, we can accelerate the loan. But it's a defined default and a defined remedy.   Jason Hull (06:42) I see.   So I had a client and what he was doing is he was helping facilitate deals and his way of kind of getting around stuff was he would set up a trust. He would place the business, the current owner of the property as, you know, as one of the members of that trust. So they still had that person in place. They would just decrease their ownership stake through the trust, right? So.   Caleb Christopher (07:07) Still technically a violation of the due on sale clause. Some people think Garn St. Germain Act protects an investor like all trust acquisitions from a due on sale, which is not true. By the way, a little more background. I'm very technical. read laws and rules and court cases. so if anybody's got a, I'm giving you a real technical answer here, not an attorney though. The Garn St. Germain Act protects family transfers, but not an investor purchase, even if you leave the seller as a partial owner. Technically it's still a violation.   Jason Hull (07:16) Yeah. Yeah.   I love it.   Mm-hmm.   Got it.   Yeah.   Caleb Christopher (07:36) but it's less likely they'll notice.   Jason Hull (07:38) I see the sub two guys, Pace Morby or whatever his name is. And I just see a lot of people saying, this is illegal or you can't do this. And people come after him all the time. And I don't know. I don't know what. I'm not as technical maybe as you. So I don't know. What's your take on that?   Caleb Christopher (07:54) It's absolutely not illegal. It's illegal to misrepresent something at any time, but there's no duty or compunction in the contract for me to notify you as my lender that I've transferred the property. Even if there was, that would just be another violation of the mortgage contract and not something criminal.   Jason Hull (08:05) Got it.   Got it, okay, right. You're not going to jail over it, but okay. So if you're doing the subject two or if like some of the property management business owners listening are wanting to maybe take over the ownership of some of the rental properties that they're.   Caleb Christopher (08:23) Yeah, dude.   Can I say that is, think, the number one opportunity for a property management company owner is you can either do acquisitions for yourself by taking over tired landlords' properties. My goodness. Hey, are you tired of this property? I'll take the deed. I'll pay you X cash and I'll just take over the payments. Huge opportunity. Also playing middleman, if you know sub 2 investors. If you've got tired landlords, you have an opportunity.   Jason Hull (08:30) Yes.   Hmm.   Caleb Christopher (08:51) You can be the buyer or you can be the middleman who finds the buyers who are willing to take those over. And if it's older debt with a lower interest rate, I'm telling you, I will pay more for that property than I will for to get a new, the same property with a new loan.   Jason Hull (08:56) Right.   Yes, yeah. So, I mean, really, the smartest thing a property management business owner can do is build up their own portfolio, right. And rather than just helping everybody else build up theirs. And we've got a client and he I think he has like he has two, three hundred doors in his business. He owns all of them. He basically just uses his property management business as a honeypot. People come to him, say, hey, I need management. And then he he said, well, let's take a look at your property situation.   And then he's like, yeah, well, if you sell this, you're going to have all these taxes and all these issues. And man, if only there was a way you could still get paid on this, but avoid that. And then he convinces them to do seller financing without telling him it's seller financing, sort of. Right. And so then he like just takes over the ownership and he keeps paying them to pay them off. And so he's got this really sizable portfolio. And during the, when the   Caleb Christopher (09:37) Hmm.   Jason Hull (09:56) If the market shifts a certain way, he's taking on millions of dollars in assets pretty easily, you know, having these conversations. And so, yeah, I think there's definitely an opportunity for property management business owners to be paying attention to this. Is there anything else you would want to say about subject two that maybe they should be aware of or?   Caleb Christopher (10:10) Yes.   I mean, there's plenty of discussions to be had when you get down into the details. Knowing what it is is the first stage. I would just remind back on this last point, if you have a business and you don't know what to do with those opportunities, other people do and you can get paid a referral fee. So don't sit on the fact that you've got tired landlords. Send out a survey and like, if somebody came to you with an offer today, would you sell?   Jason Hull (10:17) .   Right. Yeah. And the thing is, as a property manager, they have this, they have several advantages, but one, they know the market, they know which properties would cashflow the best, they know what they could rent for. They're connected to real world reality, unlike a lot of real estate agents in the market when it comes to rentals. And they have a large portfolio of owners. So if one owner is like, want to sell, they've got a whole bunch of others. They could say, Hey, do you want this? So they could do that middleman thing that you were talking about.   Okay. Love it. think it's, it's just smart. And, it sounds like the biggest challenge would be the, the sound like the, sounds like the most difficult piece of this would be, how do I get really solid legal counsel for making sure that this is done or structured the right way? Or we keep the loan intact.   Caleb Christopher (11:06) That's it. We're done with the episode. That's the main point.   Excellent.   Yeah. So one thing, the due on sale clause is always going to be a stone hanging over your head. You can't get rid of it. And if you can't take that heat, you got to stay out of the kitchen, basically. That said, I have resolved due on sale on consumer loans, not DSCR. I've resolved due on sale with consumer slash investment property loans for the individual buyer borrower. But where was I going with that?   Jason Hull (11:30) Yeah.   How did you solve   this? Is this like a trade secret or can you share with the audience?   Caleb Christopher (11:48) Nah,   so the broad strokes are pretty obvious. It's the details that kill you. it's basically, if I bought your house subject to, and they accelerate the loan, then I'm going to try to call them and negotiate them away off the cliff, right? Like, hey, I'm making the payments. What's really the problem? Can I assume this? What options do we have? If they're inflexible, the bigger banks, then I'm going to have to go with technical compliance, which is I'm going to deed the property back to you.   Jason Hull (11:54) Yeah.   Caleb Christopher (12:15) And then we just get into this whole thing like, yeah, but what if I deed it to you and you don't sign the next document back to me to let me continue like a master lease where I keep all the profits or whatever we want to call it. Ideally, we just restructure the transaction with paperwork that's either less visible or completely acceptable to the lender.   Jason Hull (12:31) Got it. So this is just a conversation with the lender, basically, hey, this is what's happening. How do we make this work? So everybody's happy.   Caleb Christopher (12:37) and the bigger banks will not tell you how   to make it work. They'll just require you to show evidence that ID to the property back to you. But that's only one part of the puzzle, because we still need to restructure the transaction internally.   Jason Hull (12:44) I see. Okay.   Right. So then it's between you and the homeowner. Yeah. Got it. And there's just making a a deal where they're making your there's money being exchanged, even though the legal technical ownership hasn't really shifted.   Caleb Christopher (13:04) Right. There's a paperwork dance around any obstacle. Now you asked about legal counsel. Lawyers are good at saying no. I'm not going to discourage. Here's my law degree right here. I don't have one. So yes, I'm never going to discourage somebody from getting an attorney involved. My concern is a lot of times they don't have the direct experience on these types of deals. And when they see risk, they say no. ⁓   Jason Hull (13:10) Right. That's their default. Right. It looks just like mine.   Yeah.   Yeah.   That's the safest   thing for them to do.   Caleb Christopher (13:30) That's right. And when I go to an attorney, I'm like, I'm not, I'm paying you to tell me how not tell me no.   Jason Hull (13:37) Right. The pre-frame with attorneys is everything. I say the similar thing. You don't go to the attorney and say, hey, how can I get out of this horrible contract with this franchise I'm in, for example? It's this is what I want to do. What's the best way to do this? I'm going to do it. Yeah. So you give them the right pre-frame.   Caleb Christopher (13:49) Figure out how. Well, you can't because there's this risk.   And I'm like, yeah, there is risk. I need to accept a few risks here because let's be outcomes oriented. And if you can coach an attorney to be outcomes oriented before you start spending a bunch of money on them, then great. That said, I've had a hard enough time finding that in every state. that's why entrepreneurial, I started Creative TC, which is transaction consulting, because I've been there and I've done that with dozens of deals per month for the last four years next.   Jason Hull (13:59) Yes.   Yes.   Caleb Christopher (14:17) in a couple of weeks here. we've touched literally thousands of these deals. We've seen them up, down, left, right, sideways and back.   Jason Hull (14:18) Got it.   Yeah, so the short answer is call Caleb. Yeah, okay, cool. So the next thing is like, we talked about the do on sale clause a bit. I don't know if there's anything else to mention on that. And then we can go into wraparound mortgages.   Caleb Christopher (14:27) Yeah.   Yeah, I love it.   Jason Hull (14:40) I'm not familiar with wraparound mortgages.   Caleb Christopher (14:42) Okay, it's like you ever go to Chipotle and they make that big fat burrito? What if they put a second tortilla around it?   Jason Hull (14:47) yeah.   then it's way less likely to break open.   Caleb Christopher (14:53) Very good. Very good. I think there's a lot of good analogies here with wraparound mortgages. So mortgage is a contract that says, by the way, a lot of people get this backwards, a mortgage, you give the bank a mortgage, they gave you a loan. It's not the other way around. So when you give the bank a mortgage, you're saying, hey, in exchange for this $500,000, you can foreclose if I don't pay it. That's the mortgage. It gives them the right to foreclose. We want to do that to be ethical.   If I bought your house subject to the existing mortgage, ideally we would do something called a mirror wrap. Now, if you had equity and you wanted to finance me a larger dollar amount than what you owe, can change that. But a mirror wrap says, hey, here's the existing loan. We're putting another one around it. That way you can foreclose on me for non-payment, just like the bank can foreclose on you. So if I don't make your payments, you can still pay your payments so that your loan is in good standing and they can't foreclose on you. But   Jason Hull (15:33) Thank   Caleb Christopher (15:47) when I'm not making payments, you can foreclose on me. So a mortgage basically just says, you have the right to foreclose on somebody for violating the terms of the mortgage.   Jason Hull (15:58) Yeah, okay, clever.   Caleb Christopher (15:59) as opposed   to a naked sub 2. Like if I just took the deed and said, I'll make your payments. Cool, but yeah, yeah. It's like, but wouldn't you like the ability to foreclose if I don't? That's a wraparound mortgage.   Jason Hull (16:04) Yeah, cool. If I really trust you, but trust the verify, right? So.   Right, yeah, like worst case scenario,   it's like, you know, just like getting into a relationship pre-nup, post-nup, like making sure there's, like if things go bad, which nobody plans on, it's not gonna be as bad. Yeah.   Caleb Christopher (16:25) Right. It's a stop   loss, right? It will cost you money to foreclose on me, but your credit's on the line, so you can still protect it to some degree.   Jason Hull (16:34) Okay, yeah, cool. I like it. And I would imagine the owners like this too. Everybody likes this. This makes everybody feel safer.   Caleb Christopher (16:42) Yes, so that's one aspect is it's the safe legal ethical way to do it. The other piece is that you can use if I've got a 4 % interest mortgage. Actually, I've got one that's a 3.625 a sub 2 in Colorado. If I sold this to a new buyer right now on seller finance, I would give them a wraparound mortgage. But what would I be doing? Would I pass that 3.625 to them?   Jason Hull (16:46) huh.   Mm-hmm.   Well, no, you get a cut, right? Yeah.   Caleb Christopher (17:07) I would rather mark it up to 8 %   or seven or so, whatever's practical today. So I can keep the difference. can arbitrage the interest rate. So wraparound mortgages work not only for the ability to foreclose on a non-payer, but you can also increase either the total amount financed or the rate or both. And so wraparound mortgages can be used to transfer as a profit mechanism as well. And when you own the house that I sold you, I don't have to fix your toilet. You just have to pay me every month.   Jason Hull (17:36) Right, so in the case of the audience here, like property management business owner, they don't want to, like they could take over the property themselves, but they could also facilitate the deal and for the new owner, it's a higher percentage and they're just keeping the difference.   Caleb Christopher (17:41) Mm-hmm.   Sometimes you've got a tenant who has lived in a property for five years and they're a great tenant. You like, you want to help them out, but they can't seem to get a loan. It's like, all right, well, I'll let you make payments on this one. I don't like rent to own. Not the same because that's up your, you're conveying interest to them monthly. It's a convoluted mess. I would rather do a straight seller finance like this, where we do a wraparound mortgage and I'll bump the rate and you're going to pay me a premium, but you're going to get ownership.   Jason Hull (18:04) Yes.   Yeah, got it. Okay. Yeah, that's a healthier, safer way.   Caleb Christopher (18:20) And now I don't have to replace light   bulbs or fix toilets or repair the roof or whatever else goes on the plate.   Jason Hull (18:27) Unless you're the manager and you get paid to do that.   Caleb Christopher (18:30) What? It moves out of property management at that point if it becomes a seller finance. Yeah, they're the owner now.   Jason Hull (18:33) because somebody's buying it. They're not renting.   Got it. Yeah. OK, cool. Yeah, I like this idea, the wraparound mortgage. OK. Are there other types of wraparound mortgages? Is that the main thing?   Caleb Christopher (18:45) Now they're specific to your situation like what's best for you and what state you're in etc. I just had a conversation with somebody who used up all their available cash to get rent properties. Right, so they got three or four rentals, but they've got no cash left and they've got good interest rates and I said you could sell those on wraps and increase your cash flow every month and get a down payment from somebody and she was like what?   Jason Hull (18:48) Yeah.   ⁓   Caleb Christopher (19:12) I said, you want capital to do the next deal, right? Yeah. Okay.   Jason Hull (19:12) yeah. Right, so yeah, because that low interest rate is an advantage. So it's kind of sellable.   Caleb Christopher (19:20) It is and you can make a monthly bump.   Yes, it is your low interest loan. By the way, I just say this to people. Your low interest mortgage is an asset I'm willing to buy. The same house is worth more money to me with a low interest rate than I'll buy sub two. Then it is just on the market on average.   Jason Hull (19:29) No.   Okay.   Yeah, that's clever. Yeah, okay. Got it. Very cool. All right, so other creative structures.   any others.   Caleb Christopher (19:46) Yeah, so contract for deed or land contract, it's a seller, it's a type of seller finance. If I'm the seller, I like it because I hold legal title. And if I hold legal title, you can't place additional liens. Yeah, so I don't want you placing solar liens without my permission or water softener liens or a HELOC on top of whatever current balance is. So if I, if I sell to you on a wraparound mortgage, you have the full deed, legal title and everything.   Jason Hull (19:53) Okay.   Yeah.   Yeah.   Caleb Christopher (20:15) and you can place additional liens. You can use this property as security for other loans. I really don't want that complication in case I do have to foreclose and maybe take the property back if I bid what's owed. I don't want it coming back to me with an extra three liens or $40,000 worth of debt. So contract for deed is pretty ideal because I hold legal title, you get equitable title. And it's same seller finance term, same wraparound concept like markup interest rate and monthly payments and stuff.   Jason Hull (20:41) Got it, okay, very cool. These are fun little vehicles. There's like these magic little tool sets that you've got in your toolbox. Any others?   Caleb Christopher (20:48) I I like the master lease concept where it's like a sub 2, right? I'll make sure all your bills get paid, but I keep everything that comes back on top. I take it off your plate. I agree formally to cover any expenses related to the property, et cetera, but we're going to do it like a master lease with an option to purchase.   Jason Hull (20:59) Okay.   Thank   Caleb Christopher (21:10) If you're scared of due on sale, or if you've got a DSCR loan that will not tolerate a contract for deed or a trust acquisition or a full on sub two, we can do this custom master lease, which replicates all the parts and pieces effectively without violating that due on sale clause.   Jason Hull (21:28) Okay. And I know property managers sometimes are talking about things like, know, they want to get their investors into more property, right? So they're talking about things like maybe doing a 1031 exchange to get into a bigger property maybe, or doing cash out refinance to pull equity out to get into a next unit or next property. You know, these type of vehicles. But these additional tools you...   Caleb Christopher (21:35) Mm-hmm.   Mm-hmm.   Jason Hull (21:54) chat about today I think are very fascinating. I don't think a lot of them I haven't heard them talk about.   Caleb Christopher (21:58) Yeah,   mean, awareness is the big thing, right? You need to be aware that you can do some of these things, and then you find the person who can help structure it specifically for your scenario. But I see a lot of people who are like, I'm going to do a creative deal. And it's like, on what, though?   Jason Hull (22:12) Yeah.   Got it. Okay. So, I don't know if there's anything else we're missing or that you wanted to cover, but I think then the next question would be how, where do you fit into this? Cause you have a business that facilitates this or helps with this.   Caleb Christopher (22:27) Yeah. So I started Creative TC four years ago and this creative transaction consulting so that we could help make these deals safe, legal and ethical. You can imagine that it's pretty easy to do somebody dirty, whether you mean to or not, with these arrangements when somebody's credits on the line, they're convoluted. And so you need a guiding light. You need somebody to hold your hand, maybe be a lighthouse so you don't crash on the rocks. That's what Creative TC is. And so we consult on these deals nationwide to help people do them safely.   Jason Hull (22:35) Okay.   yeah.   Okay.   Caleb Christopher (22:56) And then I started Creative Title this last year to fill a void in the state of Colorado where a bunch of companies were pulling out of creative deals.   Jason Hull (23:04) Yeah, got it. So yeah, I get it. Yeah. And I'm sure a lot of times it's not even the, it's, everybody has good intentions, maybe from the very beginning. But when, as soon as something gets weird or sticky or confusing or challenging, then somebody's like, feels like somebody else is being unethical or do them dirty or whatever, or we don't have a, we don't have an exit path or we don't have a clear delineation of, you know, that makes everybody feel comfortable where we can split ways or part ways. so.   Caleb Christopher (23:12) Yeah.   Money's on the line.   Jason Hull (23:32) Yeah, having something structured right from the beginning, they say an ounce of prevention is worth a pound of care, right? And a lot of times I, when talking with my clients, because, know, in property management, have lease contracts, lease agreements, have the agreements or contracts they have with the owners for taking over the management of the property. And I, what I usually say to them is those are nice, but those usually only matter if you use them incorrectly. They only matter when you're at war.   Caleb Christopher (23:35) yeah. Yep. 100%.   Yes. ⁓   Jason Hull (24:03) It only matter when you're there.   So, but if you proactively review the agreements with them and go through it with them and help them understand it, it's then an onboarding tool and it helps set the frame of the relationship and it helps everybody understand. And because it doesn't matter what's written in agreement until you're at war. But before then, what matters is what they think is written in that agreement. And so making sure that you go over things with them to make sure they understand this is paramount. And that like makes like,   Caleb Christopher (24:13) Yes.   I need, I need this as   a sound clip for my team because this is how I train my team as well. I just need it from somebody else because it sounds better coming from not me. ⁓ it's expectations management is absolutely essential, especially in creative finance deals where I'm making your payments, your credits on the line. If I don't make your payments, it hurts your credit score and can cause a foreclosure. The buyer and seller need to have that conversation. And sometimes it requires a third party to help facilitate. Hey, here's what happens.   Jason Hull (24:32) in a relationship.   Right, so you can use that.   Yeah.   Caleb Christopher (24:59) Here's how to manage those expectations. Let's look at this. We're not just signing disclosures just because they're legally required or suggested, but we want to have a meaningful conversation and talk through the stuff so that everybody's on the same page because if the due on sale clause comes knocking, we need to be on the same team.   Jason Hull (25:14) Yeah, yeah. So my wife and I got married in Mexico because that's we wanted to get married there. And usually what people will do is they'll just do it legally in the US, but they'll do it symbolically in Mexico. And Sarah's like, no, let's let's do both there. Let's do it. And they make you list out your assets. It's almost like they're like proactively making everyone have a prenup, right? Now we already had a prenup. And then our lawyer was like, you also need to have a postnup. So we did that. And it's just like we know, like if   Caleb Christopher (25:34) Okay.   Jason Hull (25:42) for some reason there was a problem, like things went south, then it's not gonna be all out war, right? It's clear, you own this, I own this, this is how it works, this is how we part ways, here's how we split the business. And so everything, and this is what smart business owners do with their business when they get into business partnerships. And so without that,   And I think with your team, for example, the analogy that everybody understands is divorce, because 50 % of relationships in the US probably end that way. Everybody's been like maybe their parents or they've seen a family member or they've seen somebody go through this. And that's the epitome of not having a really solid planned out strategy from the beginning, because nobody was planning on this happening. But, know, an ounce of prevention is worth a pound of cure if you have that dialed in, they're not spending.   Caleb Christopher (26:10) Hmm.   Jason Hull (26:26) $20,000 in legal fees where only the attorneys are winning and you know, and then you're losing a bunch of stuff and this was yours and they didn't contribute to this, but now you have to give them half and all this kind of stuff. so, yeah, and so you help them kind of make both parties and everybody involved feel comfortable and then you get paid a consulting fee for doing handling this. Cool, very cool.   Cool, so I would imagine there might be some property managers listening to this. Any final words you'd like to say to them and how can they get in touch with you if they would like to help you facilitate some of stuff they're working on?   Caleb Christopher (27:06) I think the value of a property manager or a realtor is very much in who they know that's vetted. Okay. A realtor, it's like, I know a foundation guy. I know a roof guy. I know a flooring guy, right? That's what I'm paying you for. Not just your commission to take photos and have some conversations. I want to know who knows who you know, you can validate. The same thing is true for property managers. I got a repair guy, very consistent. I've got three different plumbers. If it's this type, I know this guy's got the best rates. That's what I want you to know.   when you're my property manager, that's what I'm paying you for. The same thing is true now with Creative Finance. It's like, hey, I know a guy that's an expert that has 255 star reviews at what they do. They only do this thing and they do it really well. So if you want to buy or sell Creative Finance, let me call Caleb. I'm that guy.   Jason Hull (27:53) Yeah, mean, a lot of the best property management business owners are viewed by their clients as an investment expert or advisor. And the best investment people or advisors have a whole toolset of people in their back pocket, whether it's trust attorneys or somebody like Caleb, right? They have all these different resources, maybe lenders, you know.   They have all these different resources available to facilitate deals. And that's how some property managers are able to help their clients get into more property and have more deals to manage. Or like we talked about at the outset, even better, how to get more ownership stake over all the properties that you're managing and build up your own portfolio and your own wealth.   Caleb Christopher (28:37) Yeah, because I should be able to call my property manager and say, who's good at DSCRE finances in your area? Who do you like? I don't know. Okay. Maybe be a little more helpful.   Jason Hull (28:44) Yeah. Yeah.   Yeah. Yeah, got it. All right. Awesome. Well, Caleb, I appreciate you coming here on the door grow show. How can people get in touch with you?   Caleb Christopher (28:57) right. The easiest way, because I own multiple companies, calebchristopher.io. That's got links to Creative TC for the consulting, Dosgard to fix due on sale, and Creative Title Company in Colorado and Tennessee.   Jason Hull (29:09) Perfect, awesome. Hey, thanks for being on the DoorGrow show. All right, for those watching this, if you're listening, if you've ever felt stuck or stagnant and you wanna take your property management business to the next level, reach out to us at doorgrow.com for free training on how to get unlimited free leads. Text the word leads to 512-648-4608. Also join our free Facebook community just for property management business owners by going to doorgrowclub.com. And if you want tips, tricks, ideas,   Caleb Christopher (29:12) It's been a pleasure.   Jason Hull (29:37) to learn about our offers at DoorGrow. Subscribe to our newsletter by going to doorgrow.com slash subscribe. And if you found this even a little bit helpful, don't forget to subscribe and leave us a review on whatever channel you found this on. We'd really appreciate it. And until next time, remember the slowest path to growth is to do it alone. So let's grow together. Bye everyone.

What's on your mind?Naked bar nights are trending No one talks on the phone anymore ... War of the Roses There was a stranger at the front door What do you spend the most on?3 in the QCCan't Beat LauRen Big Al and the mystery boxDead or Alive GameNormal or Nah...See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Both sides?  Nah.Freedom of speech?  Nah.Fair warning...EXPLICIT episode day.Stay strong,-T

The Satoshi Trap: NSA's 1996 Blueprint, CIA Honeypot, and the Deep State's Master Plan to Bury the US Dollar! We're talking Bitcoin – not the shiny “digital gold” your libertarian buddy shills at the barbecue. Nah. We're ripping the mask off the biggest financial conspiracy of the 21st century: Was Bitcoin engineered by the NSA, CIA, and the deep state as a Trojan horse to wreck the US dollar, normalize total surveillance money, and herd us straight into programmable CBDCs?  Web Site: www.DontTreadonMerica.com https://linktr.ee/DontTreadonMerica Email the show: Donq@donttreadonmerica.com DTOM Store (Promo code DTOM for 10% off) Sponsors: www.makersmark.com www.NordVPN.com  Promo Code: DTOM www.alppouch.com/DTOM www.dubby.gg Promo code: DTOM Social Media:   Don't Tread on Merica TV   DTOM on Facebook   DTOM on X    DTOM on TikTok    DontTreadonMericaTV   DTOM on Instagram    DTOM on YouTube

In today's show Chas and David mark the entry to professional surfing's new era of ultra fitness, and then witness surfing's core score plummet as Kim K enters the lineup, Zeke joins OnlyFans, "Yew!" hits peak saturation, then Garet from Central Coast outshines Kelly Slater with a single wave, and Andy Irons returns to yet again for another merch drop opportunity. Plus Barrel or Nah?! Enjoy!

In today's show Chas and David mark the entry to professional surfing's new era of ultra fitness, and then witness surfing's core score plummet as Kim K enters the lineup, Zeke joins OnlyFans, “Yew!” hits peak saturation, then Garet from Central Coast outshines Kelly Slater with a single wave, and Andy Irons returns to yet again for another merch drop opportunity. Plus Barrel or Nah?! Enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices

Things Discussed: Spring Game standouts: Hiter obviously. Buchanan, Tatum looks like a safety, Patterson, Edokpayi, and Palepale. Concern about Bryce? Nah, the situation was not conducive to seeing what Bryce can do; if you play Cov2 back all day for real we'll run like 2021 Washington. It was a better situation to show off what Carr can do. QB run game: rehash last year's issues: tactically it was there; strategically they hadn't run it so they screwed it up). Hoops transfers: Juke Harris or John Blackwell? For this team: Harris. Needs work on defense but Juke makes his own shots. Craig: how do the pieces fit together? Craig thinks Juke is a three. Is he coming? Sam was close to a gut feeling, but why have things dragged out? NIL numbers? Tennessee numbers embellished. Is it a bidding war? Don't know. Sam thinks Liburd is good enough that they don't need all their eggs in that basket. Thiam? Going against Pitino for him so that's big boy battle. Rez: Opt-outs might be moving him up the Draft; the Florida guys coming back has bumped him. If he's in the teens he's in the Draft for sure. Landon DuPont: first-ever status (can play younger) player in CHL, #1 overall potential, Denver/Michigan battle. Michigan hockey summer: Hage is coming back.

In today's show David recaps his Nicaragua trip and shares new enlightenment gleaned through exhaustion and surf satiation, then Chas offers a gentle acceptance of Prince Harry into the surf world brethren, and the boys review surf etiquette signs and attempt to find universality for a code of conduct before discovering the perils of cliff diving and drinking on the job. Plus Barrel or Nah?! Enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a text or voice messageYou ever get the feeling that you're slowly moving a million miles an hour? Nah, us either. However Maul: Shadow Lord is moving a little too quickly. We only have two more weeks left and then who knows how long we'll need to wait for the next Star Wars show? Thankfully we have Mandalorian and Grogu on the horizon. That is then, this is now. On this episode we discuss Chapter 5: Inquisition and Chapter 6: Night of the Hunted. Turn up your headphones, dial back your sensibilities, and join the wretched hive of scum and villainy as we take the low road to resistance on Season Six, Episode Fifty of Force Insensitive!Send Email/Voicemail: mailto:forceinsensitive@gmail.comDirect Voice Message: https://www.speakpipe.com/ForceInsensitiveStart your own podcast: https://www.buzzsprout.com/?referrer_id=386Use our Amazon link: http://amzn.to/2CTdZzKFB Group: https://www.facebook.com/groups/ForceInsensitive/Twitter: http://twitter.com/ForceNSensitiveFacebook: http://facebook.com/ForceInsensitiveInstagram: http://instagram.com/ForceInsensitive

In today's show David recaps his Nicaragua trip and shares new enlightenment gleaned through exhaustion and surf satiation, then Chas offers a gentle acceptance of Prince Harry into the surf world brethren, and the boys review surf etiquette signs and attempt to find universality for a code of conduct before discovering the perils of cliff diving and drinking on the job. Plus Barrel or Nah?! Enjoy!

This week Dave checked out the new Bob Odenkirk splatter-fest, NORMAL. Odenkirk co-wrote the story and stars as a temp sheriff who's sent to the tiny burg of Normal, Minn., to hold things down until the town has a special election in eight weeks to replace their recently deceased big cheese law man. But as fate would have it (and contrivance), he finds himself knee-deep in Yakuza money and town is so corrupt that even the lady who owns the yarn store is in on the deal. So, is NORMAL Odenkirk's next NOBODY? Nah. (How's that for alliteration?) But it has its moments. Then Evan and Dave talk about Jonah Hill's latest turn as director, OUTCOME, starring Keanu Reeves as an actor who's just getting past heroin addiction and rebuilding his life, and trying to repair all the bridges he burned along the way. Somebody should have repaired the fuggin' script. Over on Patreon, we talk about the 2009 thriller TRIANGLE.

In this video, I break down why Jamie Foxx's reaction to the BAFTA Tourette's incident is medically wrong — and what the brain science actually says.At the 2026 BAFTA Awards, a man with Tourette's syndrome shouted a racial slur during the ceremony. Jamie Foxx responded on Instagram saying, “Nah, he meant that.” As a former paramedic, I want to explain why that statement ignores the neurology of Tourette's, including the basal ganglia, prefrontal cortex, and coprolalia.This isn't politics. This isn't outrage. This is brain science.Timestamps:0:00 The BAFTA incident explained2:15 Jamie Foxx's response5:10 What Tourette's actually is8:40 Coprolalia and involuntary speech12:30 Basal ganglia & impulse control16:20 Neurology vs outrage culture19:45 Final thoughtsIf you value grounded cultural commentary without slogans, subscribe.Comment below: Should impact matter more than intent in cases like this?#JamieFoxx #TouretteSyndrome #BAFTA #HardTruthsUnwritten Chapters with Matthew Heneghan is a solo channel about modern life, meaning, and the parts of the story that don't fit neatly into slogans.Hosted by a veteran, former army medic, ex-paramedic, and nonfiction author, the channel blends lived experience with cultural commentary, reflection, and hard-earned perspective. Some episodes explore mental health, addiction, grief, and burnout — not as branding, but as reality. Others focus on culture, politics, media narratives, nostalgia, creativity, writing, and the strange work of building a life that actually feels honest.This is a place for thoughtful conversations, quiet observations, and blunt truths — whether the topic is recovery, fatherhood, books, movies, current events, or the everyday friction of being a human who's seen a few things.You'll find:reflective solo episodes and personal essayscultural and political commentary without performative outragereaction videos grounded in lived experienceconversations about writing, creativity, publishing, and disciplinestories about identity, change, and starting again without pretending it's prettyThis isn't a self-help channel.It's not trauma tourism.It's not positivity theatre.It's for people who are empathetic, thoughtful, and allergic to bullshit — first responders, veterans, nurses, creatives, readers, parents, partners, and anyone who prefers honesty over inspiration porn.New videos weekly.Subscribe if you're interested in perspective, not platitudes.Books by Matthew HeneghanA Medic's MindA memoir about service, loss, reinvention, and the long road forward.Amazon: https://a.co/d/fbYbp7xTrauma and TeaEssays on recovery, responsibility, and telling the truth.Amazon: https://a.co/d/9GnaoDV

In today's show Chas and David get even deeper scoop about Britt vs Kelly's burgeoning Blood Feud, identify the biggest headline coming out of Bells despite the horrendous surf, survey the potential good that Firewire has done for local craftsmen shapers, get a reality check about their own obnoxious privilege, and warn of the dangers of calling your in-laws "mom" and "dad". Plus Barrel or Nah?! Enjoy!

In today's show Chas and David get even deeper scoop about Britt vs Kelly's burgeoning Blood Feud, identify the biggest headline coming out of Bells despite the horrendous surf, survey the potential good that Firewire has done for local craftsmen shapers, get a reality check about their own obnoxious privilege, and warn of the dangers of calling your in-laws “mom” and “dad”. Plus Barrel or Nah?! Enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices

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