Mr. Garcia gets a gold star for doing his homework! Last night, the Howie Carr Show's Newark correspondent promised he'd watch the debate between Gov. Gavin Newsom of California and Gov. Ron DeSantis of Florida. Tune in for his takes as well as some slam dunks from Howie's governor. Then, Howie and the callers throw it back to the greasy kid era and the jingles that went with it.
Marcus Samuelsson is the renowned chef behind many restaurants worldwide including Red Rooster in Harlem (NYC) and Overtown (Miami); Hav & Mar in Chelsea (NYC); several MARCUS locations including the Bahamas, Newark, and Atlanta; and his newest concept, Metropolis at the Perelman Performing Arts Center (World Trade Center, NYC) which opened November 2023. Samuelsson was the youngest person to ever receive a three-star review from The New York Times and has won eight James Beard Foundation Awards. Additionally, Samuelsson has won numerous competition shows including Top Chef Masters and Chopped All-Stars and appears regularly on those franchises as a Judge. He also recently appeared as an Iron Chef on Netflix's Iron Chef: Quest for an Iron Legend. Samuelsson is the author of multiple books including The New York Times bestselling memoir Yes, Chef and The Rise: Black Cooks and the Soul of American Food. Follow Samuelsson on Instagram, Facebook, and Twitter at @MarcusCooks and on TikTok at @Marcus_Cooks.
WHAT A GAME, WHAT A WEEK, WHAT A TAILGATE! 302BIRDS is back as we break down the nail-biting victory of the Eagles over the Bills! We'll dissect the key plays, clutch moments, and the resilience that defined this thrilling game. In the realm of potential game-changers, we'll explore the exciting prospect of the Eagles going after Shaq Leonard. What could his addition mean for the team, and how would it reshape the dynamics of Philly sports? Dallas Goedert is back in action, and we'll discuss his return to play. How does his presence impact the Eagles' offense, and what can we expect moving forward? As the Eagles navigate through the gauntlet, we'll reflect on the challenges faced and the impressive performances that have defined this stretch of the season. Despite the accomplishments, the Eagles are still fighting for the respect they deserve, and we'll delve into why. Join us for a high-energy episode filled with passionate discussions, expert analysis, and a deep dive into the heart of Philly sports. Whether you're a die-hard fan or just love the thrill of sports, this episode is a must-listen. Stay connected with us on: TikTok: https://www.tiktok.com/@302birds Instagram: https://www.instagram.com/302birds Website: https://linktr.ee/302birds Facebook: https://www.facebook.com/302Birds Spotify Podcasts: https://open.spotify.com/show/1FsLdnsXbYhTBrzib1g7p0?si=4e2cdbf6d39941da Twitter: https://twitter.com/302Birds Join the conversation with these hashtags: #EaglesBills #NFL #ShaqLeonard #NFLNews #GoBirds #FlyEaglesFly This episode is made possible by our amazing sponsors: 2023 BREAST CANCER TEES: Join us in supporting the fight against breast cancer with our limited-time 2023 Breast Cancer Tees. 25% of profits will benefit the Breast Cancer Research Foundation. Get yours at https://www.bonfire.com/2023-limited-time-breast-cancer-tees/?productType=1d7eda58-3af0-46b5-a3fa-1fe8158a9fbe EAT AT EL DIABLO: Indulge in mouthwatering flavors at https://www.eldiabloburritos.com/ NICK'S PIZZA: Satisfy your pizza cravings with amazing local pizza from Nick's Pizza of Wilmington, DE. Check them out at https://www.facebook.com/Nickspizza302/ KLONDIKE KATES: Discover the heart of Main St in Newark, DE, with Klondike Kates. They're an amazing restaurant serving up delicious bites and drinks. Visit them at https://www.facebook.com/KatesNewark TICKPICK: Make sure to download the Tickpick App TODAY. The best place to buy tickets to any event with ZERO fees. Download TODAY ($10 off first order): https://tickpick.page.link/NZbF KUTT BET: Make sure to download the Kutt app TODAY. The best place to sportsbet with your friends, a peer-to-peer social betting platform that is changing the game! Download today and see what all the hype is about: https://kuttapp.app.link/WfJZUy2Phub?referral=302birds
Stand Up is a daily podcast. I book,host,edit, post and promote new episodes with brilliant guests every day. Please subscribe now for as little as 5$ and gain access to a community of over 700 awesome, curious, kind, funny, brilliant, generous souls Check out StandUpwithPete.com to learn more Wajahat Ali is a Daily Beast columnist, public speaker, recovering attorney, and tired dad of three cute kids. Get his book Go Back To Where You Came From: And, Other Helpful Recommendations on Becoming American which will be published in January 2022 by Norton. He believes in sharing stories that are by us, for everyone: universal narratives told through a culturally specific lens to entertain, educate and bridge the global divides. He frequently appears on television and podcasts for his brilliant, incisive, and witty political commentary. Born in the Bay Area, California to Pakistani immigrant parents, Ali went to school wearing Husky pants and knowing only three words of English. He graduated from UC Berkeley with an English major and became a licensed attorney. He knows what it feels like to be the token minority in the classroom and the darkest person in a boardroom. Like Spiderman, he's often had the power and responsibility of being the cultural ambassador of an entire group of people, those who are often marginalized, silenced, or reduced to stereotypes. His essays, interviews, and reporting have appeared in The New York Times, The Atlantic, The Washington Post, The Guardian, and New York Review of Books. Ali has spoken at many organizations, from Google to Walmart-Jet to Princeton University to the United Nations to the Chandni Indian-Pakistani Restaurant in Newark, California, and his living room in front of his three kids. Pete on YouTube Check out all things Jon Carroll Follow and Support Pete Coe Pete on Twitter Pete On Instagram Pete Personal FB page Stand Up with Pete FB page
Alex tells us all about his return to Hong Kong, with Cathay setting a new gold standard in IFE over Emirates (Greg flew China Southern, and, errr, well). Paul flies the all business class 321neo from La Compagnie from Orly to Newark (road traffic was key to that story, but traffic there is none to board, how crazily fast is that, kudos La Compagnie!). Choose your BA seat on Jordanian (neat trick), but it might come with a free infant for you. After 27 years, Qatar Airways replaces Al Baker (would some call him the Jeremy Clarkson of the airline industry?). Can reward/award finders help you spend air miles faster than they devaluate? The biometric airport experience is upon us, and AI is rising (but robots do strike in London when they drive trains). Is British Airways' customer service seeing a renaissance after having listened to Layovers? (at least they're investing quite massively in it, hopefully in IT -capital letters- too). Will we see boarding group -2 arise (group 0 is here)? ExTime, beautiful third party lounges thanks to a je ne sais quoi (the French flair surely). The bucolic murals at that -4 walkway.We did travel quite a lot, pardon the delay in getting this one out. We'll be back in December!Happy flying, all.—Paul is on Instagram, Threads, and Twitter.Alex is on Instagram, and Twitter.Layovers is on Instagram, and Twitter.
James Belden, DVM, is a quiet horse vet who became a friend when I helped him find the Hertz car rental facility at Newark airport on a cold January day in 2006. From that serendipitous meeting, James became a mentor and kindred spirit. He is my colleague with more horse experience than I can imagine with all types of horses and veterinary cases. James worked with horses on the farm as a boy and moved quickly through school, graduating from Cornell's College of Veterinary Medicine in 1964. For over 31 years, he helped Thoroughbreds compete at the New York race tracks, working with some of the best and famous. He left the racing world and moved to South Florida, where he and his wife built Left Bank Equine, a farm for rehabilitating horses, and a thriving sport horse practice. Today, at 83 years of age, Dr Belden is riding reining horses and specializing in "project horses." He took some time to sit with me to discuss a variety of subjects you all will find interesting. Whenever James and I meet on a farm, time stops as we talk endlessly about horses and veterinary medicine. Sharp as a tack and with deep knowledge over more years than most, he offers his thoughts on today's approach to horse care. He agreed to spend his time tonight as we would on any farm on any day. Our live audience had questions for him, and he gave his best thoughts based on a world of experience few other vets can match. This discussion took place at a "Rounds With Doc T" meeting available to members of The Horse's Advocate (TheHorsesAdvocate.com). Attendees were able to ask questions throughout our time together. It's on this podcast for all to hear worldwide because Dr. Belden's knowledge is worth sharing with everyone.
We flew to Miami to get on Norwegian Viva and the flight down from Newark was horrendous. Hear us recount our travel woes.See omnystudio.com/listener for privacy information.
Get ready for an exhilarating episode of 302BIRDS as we dive into the latest and greatest in Philly sports! The Phillies have made a game-changing move by re-signing Aaron Nola, and we'll explore the impact of this significant decision on the team's future. The Eagles delivered a monumental win over the KC Chiefs, and we're breaking down the key plays, standout performances, and what this victory means for the Birds as they soar through the season. Looking ahead, we'll preview the upcoming Eagles/Bills game, providing insights, predictions, and a sneak peek into the craziest tailgate experience ever! Buckle up for an unforgettable pre-game celebration. The Sixers and Flyers are both on fire, playing exceptional basketball and hockey, respectively. We'll dissect their standout moments, highlight key players, and revel in the greatness of Philly sports. Join us for a dynamic episode filled with passionate discussions, expert analysis, and a celebration of the victories that define Philly sports. Whether you're a die-hard fan or simply love the excitement of sports, this episode is a can't-miss. Stay connected with us on: TikTok: https://www.tiktok.com/@302birds Instagram: https://www.instagram.com/302birds Website: https://linktr.ee/302birds Facebook: https://www.facebook.com/302Birds Spotify Podcasts: https://open.spotify.com/show/1FsLdnsXbYhTBrzib1g7p0?si=4e2cdbf6d39941da Twitter: https://twitter.com/302Birds Join the conversation with these hashtags: #PhilliesResignNola #EaglesBigWin #EaglesBillsPreview #SixersOnFire #FlyersGreatHockey This episode is made possible by our amazing sponsors: 2023 BREAST CANCER TEES: Join us in supporting the fight against breast cancer with our limited-time 2023 Breast Cancer Tees. 25% of profits will benefit the Breast Cancer Research Foundation. Get yours at https://www.bonfire.com/2023-limited-time-breast-cancer-tees/?productType=1d7eda58-3af0-46b5-a3fa-1fe8158a9fbe EAT AT EL DIABLO: Indulge in mouthwatering flavors at https://www.eldiabloburritos.com/ NICK'S PIZZA: Satisfy your pizza cravings with amazing local pizza from Nick's Pizza of Wilmington, DE. Check them out at https://www.facebook.com/Nickspizza302/ KLONDIKE KATES: Discover the heart of Main St in Newark, DE, with Klondike Kates. They're an amazing restaurant serving up delicious bites and drinks. Visit them at https://www.facebook.com/KatesNewark TICKPICK: Make sure to download the Tickpick App TODAY. The best place to buy tickets to any event with ZERO fees. Download TODAY ($10 off first order): https://tickpick.page.link/NZbF KUTT BET: Make sure to download the Kutt app TODAY. The best place to sportsbet with your friends, a peer-to-peer social betting platform that is changing the game! Download today and see what all the hype is about: https://kuttapp.app.link/WfJZUy2Phub?referral=302birds 2023 BREAST CANCER TEES: Join us in supporting the fight against breast cancer with our limited-time 2023 Breast Cancer Tees. 25% of profits will benefit the Breast Cancer Research Foundation. Get yours at https://www.bonfire.com/2023-limited-time-breast-cancer-tees/?productType=1d7eda58-3af0-46b5-a3fa-1fe8158a9fbe Tune in and let's celebrate the victories
In this special episode of Mister Benfica I am joined by YouTuber and Groundhopper Ray Mundo as he shares stories of his travels attending matches and he was the recent UEFA Women's Champions League match between Benfica and Barcelona in Catalonia. Subscribe to his YouTube Channel @raymundo632and follow on Twitter @RayMundoFutbol Check Out my Vlog I shot while watching the Benfica-Porto match at the Casa do Benfica in Newark, NJ.Click Here to Watch on YouTubeCheck out the latest Episode of my 2023 Summer Stadium Series on the My YouTube ChannelClick Here For the Latest Episode - Nashville If you like my content and would like to help support the network you can do so by clicking on this link, Mister Benfica will NEVER be behind a paywall but any contribution will be greatly appreciated Follow me on Twitter @mikeagostinho Follow the show on the platforms below: Twitter Instagram Facebook Apple Podcasts Spotify Google Podcasts Podbean iHeartRadio Amazon Music/Audible For more content check out www.misterbenfica.com And don't forget to give some love to the musicians who provide the theme music for this podcast! Follow Agendaz on their socials below!!! Spotify Apple Music Soundcloud Instagram Facebook #IfYouLoveFootballYouLoveBenfica
pWotD Episode 2395: XNXX Welcome to popular Wiki of the Day where we read the summary of a popular Wikipedia page every day.With 252,477 views on Wednesday, 22 November 2023 our article of the day is XNXX.XNXX is a website for sharing and viewing pornographic videos. As of November 2022, it was classified as the 14th most visited website in the world by Similarweb. It launched in 2000 and is currently hosted in Paris, with servers and offices in Montreal, Tokyo and Newark. XNXX is owned by WGCZ Holding, the same company that runs XVideos, another popular pornographic website. A Business Insider ranking from 2018 placed it in the three most popular porn sites worldwide.This recording reflects the Wikipedia text as of 01:05 UTC on Thursday, 23 November 2023.For the full current version of the article, see XNXX on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @email@example.com.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm Ivy Neural.
The Layover Hoodie. Black, Oversized and Insanely Comfortable. https://footwork.club/product/the-layover-hoodie/ 9am. 3pm. 21:00. Newark. Hamburg. Bangkok. No matter the time, no matter the city or airport, the Footwork Original Layover Hoodie is the only choice. As globe-trotters and travelers we found our inspiration in the miles/km that lay ahead. As well as the ones before that helped shape us today. On the front you'll find condensed text. The same text that you can also find before every podcast episode we've ever made. To go further, it's a portion from a speech by Alan Watts titled What if Money Was no Object. A title which we live by. If you say that getting the money is the most important thing, you'll spend your life completely wasting your time. You'll be doing things you don't like doing in order to go on living, that is to go on doing thing you don't like doing, which is stupid. Better to have a short life, that is full of what you like doing, than a long life spent in a miserable way. On the side, you'll see part of our logo deconstructed. Our boarding pass. It can't be the Layover Hoodie without the ticket. And on the back, we had to spread the legendary logo from coast to coast. Now you can plug and pass from any airport lobby in the world. The tee was made in New Paltz, NY as it was also important for us to work locally with those who could understand and help put our vision to life. Thank you to T-SOURCE. The Layover Details Color: Black Details: Relaxed, oversized fit with dropped shoulders. Heavy weight, 11.8 oz Material:CVC Fleece, 80% cotton 20% polyester WHAT IS FOOTWORK? Sponsored by https://footwork.club Sean and Dylan are two Division 3 graduates, who dropped everything to pursue their dream of being professional soccer players. Both playing in Germany now, the boys tell their stories as well as those of amazing guests to help you pursue your own dreams and ultimately MAKE YOUR OWN PATH. • All Links: https://linktr.ee/Footworkpod • Subscribe to our show on Youtube ➜ https://www.youtube.com/channel/UCCnInbiimv9o... • Email us at: firstname.lastname@example.org • Subscribe to Footwork➜ https://eepurl.com/hKT0zD • Follow us on socials ↓↓ Instagram: https://www.instagram.com/footwork_podcast/ Twitter: https://twitter.com/Footworkpodcast TikTok: https://www.tiktok.com/@footworkpodcast?lang=en Threads https://www.threads.net/@footwork_podcast All things Footwork: https://footwork.club/
Dr. Mark Gallant // #ClinicalTuesday // www.ptonice.com In today's episode of the PT on ICE Daily Show, Extremity Division Leader Mark Gallant discusses the concept of "DUDS" and "STUDS" when working with patellofemoral pain syndrome. Mark describes three outdated treatment paradigms or "DUDS" including an overemphasis on imaging, patellofemoral tracking, and VMO specific-strengthening. Mark encourages listeners instead to focus on the four "STUDS" of patellofemoral pain treatment: assessing current work demands on the knee vs. current tissue capacity, addressing power & not just strength of the knee, working in motor coordination & skill training especially when reintroducing functional movements like jumping, running, or squatting, and finally, ensuring load distribution across tissues is as equal as possible by working on range of motion. Take a listen or check out the episode transcription below. If you're looking to learn more about our Extremity Management course or our online physical therapy courses, check our entire list of continuing education courses for physical therapy including our physical therapy certifications by checking out our website. Don't forget about all of our FREE eBooks, prebuilt workshops, free CEUs, and other physical therapy continuing education on our Resources tab. EPISODE TRANSCRIPTION INTRODUCTION Hey everyone, this is Alan. Chief Operating Officer here at ICE. Before we get started with today's episode, I want to talk to you about VersaLifts. Today's episode is brought to you by VersaLifts. Best known for their heel lift shoe inserts, VersaLifts has been a leading innovator in bringing simple but highly effective rehab tools to the market. If you have clients with stiff ankles, Achilles tendinopathy, or basic skeletal structure limitations keeping them from squatting with proper form and good depth, a little heel lift can make a huge difference. VersaLifts heel lifts are available in three different sizes and all of them add an additional half inch of h drop to any training shoe, helping athletes squat deeper with better form. Visit www.vlifts.com/icephysio or click the link in today's show notes to get your VersaLifts today. MARK GALLANT All right, what is up PT on Ice Daily Crew? Dr. Mark Gallant here, Clinical Tuesday, coming at you the Tuesday before Thanksgiving in 2023. So first off, I want to say super grateful to have the opportunity to be on this podcast, rapping to you all and going around the country talking about these topics. So thank you all very much to anyone who's listened to this podcast or anyone that's caught us on the road. But before we dive into today's topic, last couple opportunities to catch the extremity crew crew on the road for 2023, we've got Cody is going to be in Newark, California on December 2nd and 3rd. So so a nice West Coast opportunity. And then Lindsey is going to be in Windsor, Colorado, December 9th and 10th. So those will be the last two for the year before we we take a little break and then we will kick off the second weekend of January for a full slate in 2024. So if you're trying to catch us on the road this year, those are your last two opportunities. And then make sure you grab those seats for 2024, because courses are selling out now and hitting max capacity. So make sure that you get those sooner than later. In addition, tonight on our Vice, so if you're signed up for the Vice program, our virtual ICE, Paul Killoren is gonna be on talking about peripheral dry needling. If there's any topic that pairs well with what the extremity crew is typically saying, it would be the ICE dry needling department talking about peripheral dry needling. So definitely catch that one tonight around 8.30 Eastern Standard Time. DUDS & STUDS FOR PATELLOFEMORAL PAIN SYNDROME All right, for today's topic, what we wanna talk about is duds and studs when it comes to patellofemoral pain syndrome, or what I would prefer calling kneecap pain. So what are the things that we've known over the years or we've tried over the years with kneecap pain that the research really does not shake out very favorably for? And what are the things with kneecap pain where it's like, Ooh, that that's something that we definitely want to pay more attention to. So I'm going to list all the duds and all the studs off, and then we'll break each one of those down individually. So for the duds, we've got imaging to the kneecap as a dud specifically for chondromalacia patella, patellar tracking and trying to impact patellar tracking would also be a dud, and then specific strengthening or specific loading or an attempt at specific loading to the VMO or the oblique fibers of the vastus medialis. So those are our duds and our studs are going to be building work volume capacity or looking at that person's work volume compared to their current capacity and making adjustments in their training. We have specific strengthening or building capacity to that anterior knee with both strength, endurance, and power. We have skill training or motor coordination, and then we have mobility towards the anterior knee and surrounding structures. So those would be the three duds, the four studs. DUD #1 - IMAGING OF THE PATELLA Now let's break each one of those down individually. So for most body parts, We now know that when we take asymptomatic folks and we image that region of the body, we're going to find as many tissue changes as we would for those folks that are symptomatic. Historically, we've called these abnormal tissue findings. Again, these are fairly normal findings for asymptomatic individuals, again, in every single region of the body. What we see with chondromalacia patella, so softening of the cartilage of the posterior patella, What we see when we look at that is if we take a bunch of asymptomatic individuals and symptomatic individuals, run them all through the MRI tube and say, who's got signs of tissue softening to that cartilage of the back of the knee, that number is equal or close to equal for both the symptomatic group and the asymptomatic group. So it would be hard to say that the finding on the image of chondromalacia patella is driving kneecap pain in any considerable way. DUD #2 - PATELLOFEMORAL TRACKING The second dud is patella femoral tracking. So there was this theory for a long time that the lateral structures of the patella or the structures that attach laterally to the patella are pulling that patella off track or creating some level of tilt or compression to the patella that is driving that anterior knee pain. What we now know is that this is not the case typically. The other thing with that was that the VMO was weak and not allowing that even force. We now have studies, it's a pretty cool study, where they took a group of 14-year-old women, they asked them all about their knee pain, how much pain are you in, and then they used imaging to track how their, to look at how their patella was tracking. So they got all that data at 14 when those individuals were at their peak symptom level. They then followed up with those individuals four to five years later, so now they're 18 to 19 years old, All of these individuals had significantly reduced pain. So the patella femoral pain or the kneecap pain had relatively worked itself out. And then they re-imaged and retracked how that patella was tracking. What was interesting is most all of them had a full reduction of symptoms. the knee was tracking the exact same way. So they found no difference in how the knee was tracking, yet that person had significantly reduced symptoms, which again, hard to say that that knee tracking is one, are we even able to intervene on it? And two, does it mean anything if all of the symptoms become reduced despite that knee tracking changing? DUD #3 - SPECIFIC TRAINING TO THE VMO And along those lines, the third dud, is specific training to the vastus medialis oblique fibers. What we now know is it's incredibly hard to isolate those fibers. When we activate the quads, we're getting the whole quad, all of the heads of the quad. And even if we did attempt it, we have no proof of correlation that those specific fibers are driving the symptoms. So our three duds, looking at imaging to drive treatment, specifically with Chondromalacia patella, being overly concerned with with patella tracking and trying to impact that patella tracking with the one thing that we've shown the good research that impacts patella that that would be theoretically impacting patella tracking is that medial knee taping mcconnell taping what we now know is that is much more of a symptom modulator and has no long-term impact on that patella tracking. And then VMO, specifically training the oblique fibers of the quad. What we now know is getting the quads more robust and resilient is the way to go, being far less concerned about those very specific fibers that are very hard to isolate anyway. So those are our three duds. STUD #1 - WORK VOLUME VS. TISSUE CAPACITY Our four studs are going to be looking at that person's overall work volume compared to their capacity. So this weekend is a prime time example. We're going to have tons of folks going out for turkey trots. We're going to have a lot of folks going out and playing backyard football with their family on Thanksgiving. They may not have been doing any training over the last four to six months to prepare their anterior knee. for that capacity. Family members might say, hey, I'm jumping into this turkey trot, and then Bill says, you know what, I'm gonna jump in with you, even though I haven't run since 1968 when I was training for Vietnam. That individual may encounter some anterior knee pain because the capacity of their anterior knee is not matched to the work that it's about to do. So anytime we've got one of these pain symptoms, syndromes, kneecap pain, looking at, okay, what is it you're doing? and what is the capacity of the knee currently, and trying to figure out where those gaps are. STUD #2 - TRAIN POWER, NOT JUST STRENGTH Along those lines, the second stud is can we increase the load capacity, the capacity to handle speed or power, and the capacity of that anterior knee to handle endurance. What is your ability to produce load or to tolerate load in knee extension or squat? What's your ability to sustain that over long periods of time for high repetitions or high time intervals? What is your ability to generate power with those things? Dustin Jones came on here a couple weeks ago and talked about how we may have named the wrong enemy when it comes to deconditioned older adults that it may be more power instead of strength is the problem that a lot of folks actually have load capacity tolerance to their tissue. What they lack is the ability to handle that load while generating high speeds or force. We see the same thing when it comes to kneecap pain. We're getting better at getting people stronger to build that load capacity. We also need to make sure they can handle that at fast speeds. Our box jumps, our broad jumps, our cleans, our snatches, or sprinting, those sort of activities, we need the same sort of intention to build the tolerance. So building the local strength capacity or building the local tissue capacity of the knee. STUDF #3 - MOTOR COORDINATION & SKILL The third stud is skill or motor coordination. The law of specificity has reigned true in strength and conditioning since it was looked at. If you want someone to get better at running, train them in running. If you want to get them better at squatting, they need to train the squat. If you want their step up to look better, they need to be working on step up variations. So this has a very much skill component like any other skill in life. It takes repetition, It takes breaking it into chunks, it takes slowing it down, speeding it up. If we want their step up, or their step down, or their running, or their squatting to look better, making sure that we break those things down individually and look at it in addition to the first two components. STUD #4 - RANGE OF MOTION And then the fourth piece that's a stud is range of motion. What is the range of the tissue surrounding the anterior knee that's gonna dictate how much force is going through that knee? So a couple of the big ones are, what is ankle dorsiflexion like? If that person significantly lacks ankle dorsiflexion, we know those forces are going to go up the chain, often landing on that anterior knee. So attempting to impact or offload dorsiflexion will help with that anterior knee pain. What is the length of the rectus femoris? What is that quad length like? If that tissue is super gummed up and tonic, we may want to work some eccentrics to improve the mobility of that tissue overall. And along those same lines, what is that individual's hip extension looking like? If that person lacks significant hip extension, again, they may encounter more force to the anterior knee. DUDS & STUDS FOR PATELLOFEMORAL PAIN So again, for our studs or duds, looking at the three duds, looking at imaging or being overly concerned with imaging, specifically chondromalacia patella, being overly concerned with patella tracking and trying to impact it, and being overly concerned with the VMO. Those would be our three DUDs that we want to spend less time addressing or no time at all. Our four DUDs are going to be looking with the patient at what is their overall work volume compared to their current capacity. What is the ability of the anterior knee to tolerate loads from a load capacity or strength perspective, from an endurance and from a powers perspective. What is their skill in the movement that they're trying to perform? Do they need to become a better runner? Do they need to get better at squatting? Do they need to get better at step ups? Looking at that specific motion. And then finally, looking at any range of motion deficits of the lower quarter. Specifically, what is that quad length like? What is their ankle dorsiflexion? And what is their ability to extend their hip? Hope this helps. Hope you all have a wonderful Thanksgiving and get some good relaxation and time with your families. Lindsay and Cody will see you on the road in early December. I'll see you on the road in 2024. Hope you have a great week. OUTRO Hey, thanks for tuning in to the PT on Ice daily show. If you enjoyed this content, head on over to iTunes and leave us a review, and be sure to check us out on Facebook and Instagram at the Institute of Clinical Excellence. If you're interested in getting plugged into more ice content on a weekly basis while earning CUs from home, check out our virtual ice online mentorship program at ptonice.com. While you're there, sign up for our Hump Day Hustling newsletter for a free email every Wednesday morning with our top five research articles and social media posts that we think are worth reading. Head over to ptonice.com and scroll to the bottom of the page to sign up.
Ariel J. Luna has been serving veterans in higher education and government for more than 18 years. Luna is originally from Brooklyn, New York and grew up in Starrett City section of East New York. AJ's mother is from the Dominican Republic and his father is from Argentina. He enlisted in the U.S. Army at the start of 2000 and he was stationed as a communication soldier in Fort Gordon, Georgia, South Korea, and Fort Bragg, North Carolina. After he left the Army in 2002, he joined the NY National Guard where he was deployed in support of Operation Iraqi Freedom in 2004-2005. While serving in the National Guard, Luna was pursing his bachelor's degree at Brooklyn College. He completed his master's in administrative science with a concentration in Non-Profit Organizational Development, Human Resource Administration, and Global Leadership from Fairleigh Dickinson University in 2012.After a successful tenure at FDU, Luna has recently appointed by Bergen County's new County Executive, James Tedesco III, as the new Director of Veteran Services for Bergen County. Luna plans to bring his experience and expertise to serve the 30,000 resident veterans of Bergen County. Luna focused his efforts on housing, employment opportunities, and good service referral providers. Luna also served as the Deputy Director for the Office of Government and Community Relations for the NJ Department of Transportation from 2021-2022. He is also one of the founders of the NJ SOS Veteran Stakeholders Group. A Northern NJ non-profit that hosts quarterly county meetings throughout the Northern part of the State that gives organizations an opportunity to network and refer veterans to various services in the community. He assists in putting together Suicide Awareness Seminars to educate the community about resources available to veterans in crisis. There have been successful events in Elmwood Park, Newark, and Trenton. He is married to his wife, Shevonne Murray-Luna, and has 2 beautiful daughters, Mariah Angel Luna, 10, and AJ Luna, 7. Find The AJ LunaCatholic Charities NJ SOS VetsNJ SOS on FacebookFind The Suffering PodcastThe Suffering Podcast InstagramKevin Donaldson InstagramMike Failace InstagramBuzzsproutApple PodcastSpotifyFacebookTikTokYouTubeMake your brain your friend with Better Help. Go to BetterHelp.Com/Suffering for 10% off your first monthSupport the showThe Suffering Podcast Instagram Kevin Donaldson Instagram TikTok YouTube
Today's podcast: Eli Beer is founder of United Hatzalah in Israel. United Hatzalah is a national volunteers first responder organization which before 7a.m. on October 7 began receiving more than 200 calls per hour from frantic Israelis describing the horrors being committed by Hamas. Eli Beer and Hatzalah volunteers began racing across the country alternately trying to save the wounded, while when necessary, engaging in gun battles with Hamas. Some Hatzalah paramedics were murdered by Hamas terrorists while helping the wounded and the army was nowhere in sight. Police were absent as well as they were targeted by Hamas. Guest: Eli Beer. Founder United Hatzalah. Describes what he saw, experienced and what his volunteers also saw/experienced on October 7. U.S. president Joe Biden wanted to meet Eli Beer when Biden visited Israel following the October 7 brutality. Movember, 2023. Men's health month in Canada, as men grow mustaches and (hopefully) contribute some $$ to research and developments for maximum treatment/cure of prostate cancer. What men and their partners/families must be aware of as prostate issues can and do move very slowly before they become stage 4 cancer threats to life. Guest: Dr. Bobby Shayegan. Urologist/oncologist. World's leading robotics prostate cancer surgeon and Director of Surgery at Hamilton, ON, St. Joseph's Hospital. My urologist/oncologist. Justice in Canada developments: The Supreme Court will not hear appeals of four Canadians (possibly/likely former members of ISIS) in the custody of Kurdish forces calling for Canada's assistance to bring them home. One individual is Jack Letts, who never really lived in Canada, but his father is Canadian and the family lives in the U.K. British government has rescinded Jack Letts' U.K. citizenship. His only citizenship is now Canadian. Letts' father John was a guest on our program several times and doubted his son had actually joined ISIS even though he lived in Raqa the ISIS HQ and had converted to Islam. - Asl well, high risk convicted sex offender Randall Hopley arrested in Vancouver. - A jury finds Nathaniel Veltman of London, ON, guilty of four counts of 1st degree murder in the deaths of a Muslim family in the city - and as we heard yesterday from Don Edwards, former Team Canada goaltender the murderer of Don's father and mother George Lovie, is the beneficiary of National Parole Board decisions found repulsive by Don Edwards and his family Guest: Scott Newark. Former AB Crown prosecutor, fmr. exec director Canadian Police Association, senior policy advisor to a federal Public Safety Minister and co-chair of the Office for Victims of Crime (Ontario) Is Israel just days away from a hostage deal with Hamas? - A testy response on social media (Twitter) from Israel's prime minister Benjamin Netanyahu aimed at Justin Trudeau. - The war between Israel and Hamas - Anti Semitism in Canada. Guest: Vivian Bercovici. Former Canadian Ambassador to Israel. Resident of Tel Aviv. --------------------------------------------- Host/Content Producer – Roy Green Technical/Podcast Producer – Tom Craig Podcast Co-Producer – Matt Taylor If you enjoyed the podcast, tell a friend! For more of the Roy Green Show, subscribe to the podcast! https://globalnews.ca/roygreen/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Justice in Canada developments: The Supreme Court will not hear appeals of four Canadians (possibly/likely former members of ISIS) in the custody of Kurdish forces calling for Canada's assistance to bring them home. One individual is Jack Letts, who never really lived in Canada, but his father is Canadian and the family lives in the U.K. British government has rescinded Jack Letts' U.K. citizenship. His only citizenship is now Canadian. Letts' father John was a guest on our program several times and doubted his son had actually joined ISIS even though he lived in Raqa the ISIS HQ and had converted to Islam. - Asl well, high risk convicted sex offender Randall Hopley arrested in Vancouver. - A jury finds Nathaniel Veltman of London, ON, guilty of four counts of 1st degree murder in the deaths of a Muslim family in the city - and as we heard yesterday from Don Edwards, former Team Canada goaltender the murderer of Don's father and mother George Lovie, is the beneficiary of National Parole Board decisions found repulsive by Don Edwards and his family Guest: Scott Newark. Former AB Crown prosecutor, fmr. exec director Canadian Police Association, senior policy advisor to a federal Public Safety Minister and co-chair of the Office for Victims of Crime (Ontario) Learn more about your ad choices. Visit megaphone.fm/adchoices
This week on the podcast we discuss Iron Gate's recent failure, even though we still love them! Ark Survival Ascended is next level! Return to Moria is the most charming game ever! And Pax Dei, a new Survival MMO! Save 10% Gportal: https://jiroctheviking.com/gportal
This week, I had the honor of sitting down with Dan Covel. Dan has over thirty years of martial arts experience with twenty-one of those years in Brazilian Jiu Jitsu (BJJ), where he holds the rank of black belt. In addition, Dan is a black belt in Judo and is also well versed in striking. In this episode, we spoke about how he got his start in martial arts, along with his approach as a coach, competitor, and entrepreneur. Dan talks about the importance of training and how it has helped him throughout his life, whether it be in real life altercations (he shares a wicked story of "subduing" a man who attacked him with a knife) or just in general. Dan is also a five-time No-Gi Pan Am Champion and has also achieved many other accolades. Overall, Dan is very humble, great guy and I really enjoyed our conversation. I highly recommend checking out one of Dan's gyms if you are near Newark, NJ or NYC. Please see details below if you are interested in checking out Dan's gym/Instagram. Enjoy the show! Website - Dan Covel - Manhattan Jiu Jitsu (dancovelbjj.com) Instagram - Dancoveljiujitsu
Get into the holiday spirit with 302BIRDS' discussing the special edition Kelce Brothers Christmas album! We'll dive into the festive tunes and share some behind-the-scenes stories of this merry collaboration. Is it okay for a CHIEF to sing with EAGLES? Who knows! The Sixers are setting the courts ablaze with their absolutely on-fire start, and we'll break down the key moments and players contributing to their success. Jalen Hurts and the Eagles are finishing out the "gauntlet" against formidable opponents like the Niners, Bills, and Chiefs. We'll analyze the performances, strategies, and what lies ahead for the Birds. In a surprising twist, Travis Kelce is making moves off the field, convincing Taylor Swift's dad to switch sides. We'll explore the intriguing story behind this unexpected alliance. Turning to baseball, we'll discuss the potential departures of Rhys Hoskins and Nola. How will these potential changes impact the Phillies' lineup? Kelly Oubre's recovery is on our radar, and we'll provide updates on his progress and what it means for the team. Join us for a holly-jolly episode filled with lively discussions, festive banter, and a passion for Philly sports that's perfect for the holiday season. Whether you're a die-hard fan or just love getting into the holiday spirit, this episode is a must-listen. Stay connected with us on: TikTok: https://www.tiktok.com/@302birds Instagram: https://www.instagram.com/302birds Website: https://linktr.ee/302birds Facebook: https://www.facebook.com/302Birds Spotify Podcasts: https://open.spotify.com/show/1FsLdnsXbYhTBrzib1g7p0?si=4e2cdbf6d39941da Twitter: https://twitter.com/302Birds Join the conversation with these hashtags: #KelceBrothersChristmas #SixersOnFire #EaglesGauntlet #TravisKelce #PhilliesDepartures #KellyOubreRecovery This episode is made possible by our amazing sponsors: 2023 BREAST CANCER TEES: Join us in supporting the fight against breast cancer with our limited-time 2023 Breast Cancer Tees. 25% of profits will benefit the Breast Cancer Research Foundation. Get yours at https://www.bonfire.com/2023-limited-time-breast-cancer-tees/?productType=1d7eda58-3af0-46b5-a3fa-1fe8158a9fbe EAT AT EL DIABLO: Indulge in mouthwatering flavors at https://www.eldiabloburritos.com/ NICK'S PIZZA: Satisfy your pizza cravings with amazing local pizza from Nick's Pizza of Wilmington, DE. Check them out at https://www.facebook.com/Nickspizza302/ KLONDIKE KATES: Discover the heart of Main St in Newark, DE, with Klondike Kates. They're an amazing restaurant serving up delicious bites and drinks. Visit them at https://www.facebook.com/KatesNewark TICKPICK: Make sure to download the Tickpick App TODAY. The best place to buy tickets to any event with ZERO fees. Download TODAY ($10 off first order): https://tickpick.page.link/NZbF KUTT BET: Make sure to download the Kutt app TODAY. The best place to sportsbet with your friends, a peer-to-peer social betting platform that is changing the game! Download today and see what all the hype is about: https://kuttapp.app.link/WfJZUy2Phub?referral=302birds 2023 BREAST CANCER TEES: Join us in supporting the fight against breast cancer with our limited-time 2023 Breast Cancer Tees. 25% of profits will benefit the Breast Cancer Research Foundation. Get yours at https://www.bonfire.com/2023-limited-time-breast-cancer-tees/?productType=1d7eda58-3af0-46b5-a3fa-1fe8158a9fbe Tune in and get ready for some holiday cheer with 302BIRDS!
Alan Fredendall // #LeadershipThursday // www.ptonice.com In today's episode of the PT on ICE Daily Show, ICE Chief Operating Office Alan Fredendall discusses how and why behind more carefully curating the digital & social media content you consume on the internet. Take a listen to the podcast episode or read the full transcription below. If you're looking to learn more about courses designed to start your own practice, check out our Brick by Brick practice management course or our online physical therapy courses, check out our entire list of continuing education courses for physical therapy including our physical therapy certifications by checking out our website. Don't forget about all of our FREE eBooks, prebuilt workshops, free CEUs, and other physical therapy continuing education on our Resources tab. EPISODE TRANSCRIPTION INTRODUCTION Hey everyone, this is Alan. Chief Operating Officer here at ICE. Before we get started with today's episode, I want to talk to you about VersaLifts. Today's episode is brought to you by VersaLifts. Best known for their heel lift shoe inserts, VersaLifts has been a leading innovator in bringing simple but highly effective rehab tools to the market. If you have clients with stiff ankles, Achilles tendinopathy, or basic skeletal structure limitations keeping them from squatting with proper form and good depth, a little heel lift can make a huge difference. VersaLifts heel lifts are available in three different sizes and all of them add an additional half inch of h drop to any training shoe, helping athletes squat deeper with better form. Visit www.vlifts.com/icephysio or click the link in today's show notes to get your VersaLifts today. ALAN FREDENDALL Team, what's up? Welcome to the PT on ICE Daily Show. Happy Thursday morning. I hope your day's off to a great start. Glad to have you here on the PT on ICE Daily Show. My name is Alan. I'm happy to be your host. Currently, I have the pleasure of serving as the Chief Operating Officer here at ICE and a lead faculty member in our Fitness Athlete Division. Leadership Thursdays, we talk all things practice management, small business ownership, and general leadership tips for all of you out there who are leaders in your own way. Leadership Thursday also means it is Gut Check Thursday. This week's Gut Check Thursday couldn't be more challenging but also simpler than getting out there and hitting a 5k run or if you can't run hit a 5k row. Great aerobic test. As I get more into endurance running, I would argue I've been learning to hate 5Ks the most if it's a really uncomfortable distance to settle into kind of a longer, slower pace of, you know, you're setting a good pace on the first mile. Dang, I'm almost a third of the way done. Second mile, third mile. can be quite an aggressive distance. It's the most commonly programmed CrossFit workout if that surprises you. I've posted some benchmark times as far as percentiles for both the 5k row and the 5k run to kind of compare yourself to where I stack up against the general population. So have fun with that one. It's good to test that at least once a year and see how your 5k has changed, especially if it's a goal for you to get your aerobic, your longer energy system a little bit more efficient, and specifically to get better at maybe 5k runs. Some courses coming your way. Before we talk about these courses coming up before the end of the year, I want to challenge you that if you are in the market for an ice course, and you're able to purchase a course before the end of this year, you should do that. Wink, wink, wink, right? There might be a change being announced soon that would make you regret not purchasing now. So you'll see that maybe an announcement coming soon. courses before the end of the year we're almost done we have some courses this weekend but that's probably too late for you we'll be off next weekend for Thanksgiving and then we have just three weekends left of live courses in 2023 December 1st through the 3rd that weekend you can catch Paul up in Bellingham Washington for dry needling upper body You can catch Zach down at his home base at Onward Tennessee for cervical management. Christina will be up in Halifax, Nova Scotia, A for Pelvic Live. Ellison will be down in Tampa, Florida for dry needling lower body. Cody will be on the road for extremity management out in California in the Bay Area in Newark, California. Brian Melrose will be in Helena, Montana for lumbar management. and Julie Brower will be on the road in Candler, North Carolina for Older Adult Live. That's right outside of Asheville. The weekend of December 9th and 10th, we have Fitness Athlete Live. That's your last chance to catch that course this year. That'll be with Mitch Babcock out in Colorado Springs, Colorado. You can catch Extremity on the road again, this time with Lindsey Huey in Fort Collins, Colorado. And Older Adult Live, your last chance this year will be in Portland, Maine with Alex Germano. And then our very last course of the year, of course, we expect nothing less than a person of Paul's caliber to be the last person working this year. He will be in Salt Lake City for dry needling his upper body. That'll be the weekend of December 15th, 16th and 17th. That's a three-day course. So if you're in a state that needs a lot of hours like Washington, or Maryland, that'll be a chance to catch a three-day version of that course. A course is coming your way from us here at ICE. YOUR TRIBE DICTATES YOUR VIBE Okay, let's talk about today's topic. Your tribe dictates your vibe. You've often maybe heard the other way around. Your vibe attracts your tribe. How you carry yourself, your personality, your values, kind of attract the people around you that are maybe in your friend group, your colleagues at work, that sort of thing. I want to talk about it from the other angle your tribe dictates your vibe, of the people you choose to follow, whether they're actual in-person people or specifically today's topic, of the people you follow on social media can really dictate not only how you feel about yourself, care yourself, but of what you might begin to spend your time and money on for the worse or for the better. So I really, really, really want to stress that social media, I think, is destroying our society for the worse. Certainly, it has value in things like this and sharing information and education. from one person to a large group of people. But I think overall, we can begin to follow people who appear really relevant to our lives. But actually, if we do a really deep dive, we understand they actually have very little in common with us. And then ultimately, at the end of the day, we're in charge of who we follow. Many of us are not on social media against our will. And so that the emails you subscribe to, the social media accounts you follow, all of this digital content that you consume can have positive or negative effects on you. And to really stress, if you take nothing else away from this episode, to be really diligent in the streams and feeds that you begin to curate as you begin to follow email newsletters, social media accounts, and the like. THE PITFALLS OF THE INTERNET: TALKING TOUGH & SOUNDING SMART The first point I want to make today is The pitfall of the internet, as it's always been since its inception of consumer-based communication, is that it's super easy to talk tough and sound smart on social media. We live in a very impatient, rapid-fire, fire-and-forget type of world now. You may not know, but certainly, if you work at all in customer service, you experience, that the average expected response time to an email or social media message is now 10 minutes or less by the average customer. That's a study from Forbes from this year in 2023. I could say a whole bunch of crazy stuff right now on this podcast. I could say it in a social media post and I would have almost no side effects come to me because our society now is so rapid-fire, so fast, so consumable that you would consume this. Maybe what I'd say you would resonate with, maybe it would make you upset. It doesn't matter because you will forget about it in three minutes when you scroll on to the next piece of content. on your social media feed or the next podcast episode that you queue up. The only regulation on what we say is from you all, from the consumers. What's noticeable on social media is that the people who tend to be the most aggressive and make the largest blanket statements are often those who do so without any sort of evidence or support. They're also not the people who tend to engage in the stuff that they create, right? They're very aggressive. They fire something out there. They know it might make you upset. You might actually make a comment. And that's kind of their goal, right? That drives their engagement up. That shows their post to more people. Maybe it further upsets people. It gets more comments. And what we need to realize is that cycle is kind of what fuels those people to have large follower bases, to be able to advertise different things to you. Hashtag, you know, ice barrel, try out your hashtag toe spacers, right? Those people are trying to strike a nerve on purpose to get more engagement, more followers, more followers, engagement equals I can make more money selling sponsored things to you. So we need to be aware of that trap that is out there for us on social media and be aware of the pitfall of the internet and social media itself of this very consumable temporary transient content and recognize if you're falling for that trap of if you are getting upset and making comment or if you're following people who make kind of outlandish, unsupported statements. If that makes you upset, again, the whole theme of this episode is why are you following accounts like that. YOU HAVE NOTHING IN COMMON WITH THE MAJORITY OF PEOPLE YOU FOLLOW The second point I want to make of why are you following accounts like that is that you have nothing in common with the majority of people that you follow and obtain content from. You're making less money than you want to. You're working more hours than you want to. You're not feeling as physically well or as fit as you want to. You're not happy with how your body looks. Maybe you're not happy with how your marriage is going how you're raising your kids how your sex life is going, and how your postpartum recovery is going. You name it, you're being told that whatever is wrong with you, X is Y with you. Y is the solution, right? You are not having a good life because you don't wake up at 4 a.m. and do a 6-hour morning routine. You're not having a good life because you don't wake up and do a gratitude journal, use toe spacers, do yoga, meditate, do a cold plunge, or a sauna, or any of these other things that you're told are the difference between this apparently very successful person and you. But often when you do your research, when you look behind who are these social media influencers, you're often being sold solutions by people that are usually millionaires and who are usually millionaires, not because of the stuff they're telling you that they do, but because they're convincing people like you to buy the stuff that they're selling. And that's how either they are making their money or they're maintaining the level of income that they already have, right? Or maybe they started out in life and mom and dad footed the bill for college and for grad school and for their first house and they don't have a lot of debt and so they have a lot of extra time, they don't need to work as much to become this social media influencer and begin to sell you supplements and Toast Facers and all this kind of stuff. And the more you listen to those folks about what's wrong with you is that you're not consuming this stuff, the more money they actually make and the bigger that asymmetry actually comes. What's not said is that a lot of those folks have made their money by living what they're doing right now, which is a very imbalanced life of working more than you want to in order to try to pull yourself up the socioeconomic ladder. You're told that you're burned out or whatever and really the cause of their success is doing what you're doing right now and eventually getting to the point where their success comes to a level where they no longer need to work as much and maybe now they have more time to show you a video of them working out on the beach in Bali. And by the way, use my promo code Stephen10 for 10% off, whatever. And again, the more you consume that, the richer that person becomes. But at the end of the day, you do not have a lot in common with that person, yet you are trying to model your life after them, even though that's not how they currently live their life. And maybe that's not how they ever lived your life. These people are happy, healthy, and fit because they don't have to go to work anymore. Or maybe they never had to go to work. They can wake up and do their morning routine and go surfing because they're able to afford a full-time nanny to take care of their kids. Or maybe they don't even have kids and they get 12 hours of sleep because they have a night nurse. Or again, maybe they don't even have kids. And you get my point that they are living a very different life than you and maybe they never lived the life that you did. So it doesn't make sense for you to spend a lot of your time consuming their content and buying the stuff they're selling to somehow try to fix your life. Follow people who represent you, who represent your values, who are honest about where they made their money or how they got to the level they are at. I tend to follow people who are very upfront about how they got where they're at by pulling themselves up from being very, very, very, very poor, working a ton, and pulling themselves up the socioeconomic ladder. Is that ideal? No, but sometimes that is life, as true as it can be. And I resonate a lot more with those people who say like, look like this was the way that worked for me. It may not work for you. And I appreciate those people who are honest that look, it was a lot of years of 100-hour work weeks, working multiple jobs to pay off my debt to afford a house, to raise kids, and kind of get to where I'm at now. And I really, really appreciate that transparency, especially more as life goes on. So, what can we do about this of recognizing that Social media is meant to be fire and forget, instantaneous, consumable? It's meant to sell you things. It's meant to show people who maybe have nothing in common with you that you want to see yourself become only if you buy these products. If that's the way it's designed, what is the solution? CUT THE CORD The solution is to cut that cord, right? Take a serious examination of the accounts you're following, of the newsletters you subscribe to, of in general the content you consume digitally via social media, email, whatever, and stop following stuff from people who make it seem like the only reason you're not obtaining the fulfillment you want is that you aren't buying enough of the stuff that they're selling. Stop following accounts that tend to speak on best practices, but speak so dogmatically. Manual therapy sucks, it has no value. On the other side of the continuum, manual therapy cures diabetes, right? Stop following that stuff if you don't actually believe that stuff. Some of us follow that stuff just to watch the comments and watch people argue, or maybe you're even that person, spending your time that could be spent better elsewhere, arguing with people on the internet. I'll be very honest, I used to be that person. If you knew me a decade ago, I was that person. I was that person yelling at people on Twitter. and Instagram and all the other social media platforms, and I've talked about this before, one of the biggest shifts in my life was meeting Jeff Moore, our CEO, who one day sent me a screenshot of all these comments I was making, all this time I was spending on the internet, on social media, and just said, is this the best use of your time to advance the field of physical therapy? And of course, if you really ask yourself that question, then the answer truly is no. So stop following that stuff. Stop following those accounts. Stop following people who tell you that the way you're treating patients is wrong. If they are people who maybe don't currently treat patients or have not treated patients in a long time, five years, 10 years, 20 years, or maybe people who have never treated a patient ever, right, that person who went from PT school, maybe right to a Ph.D., or a consulting job, or to work for an insurance company as an adjuster, and has no actual real-world experience. Why are you following content like that? Knock that off. Follow people who are in the clinic every day, who are trying to make it all happen, who are trying to blend manual therapy, patient expectations and beliefs, and fitness-forward lifestyle, getting people loaded, getting people addressing their sleep and diet. Follow people who put out content like that, not content that maybe just makes you upset at the end of the day. Follow accounts that make your life easier. Follow accounts that give you resources that you can provide your patients so you don't have to work as much making that stuff yourself, right? Follow, obviously, I'm biased. I can't not have any bias here. Follow us, right? Go to PTonICE.com, click the resources tab, and look at literally an endless list of ebooks, workshops, of patient resources already created for you to make your job in the clinic easier so that hopefully you don't have to spend as much time making the money that you're currently doing. You don't have to work as hard doing it. Follow people in a manner that sees you working less and making more and not just buying more gadgets and $10,000 mentorship programs. THERE'S NOTHING WRONG WITH YOU And I think finally, what I want you to resonate from today's episode is to recognize deep down that there's nothing wrong with you. If you work more than you want to and get paid less than you think you should, you are not damaged. You are a normal American, right? 77% of Americans live paycheck to paycheck. Half of all Americans work two or more jobs. It is totally common to work more than you want to, to try to get ahead. Again, some of us are trying to pull ourselves up a huge deficit, right? We're trying to close a large asymmetry. We're trying to go from the poor person who grew up in a trailer park to maybe the first person in your family to finish middle school or high school or undergrad and grad school and be the first person to own your own home and be the first person to maybe have a retirement account and actually be able to think about retiring. We're trying to pull ourselves up multiple rungs. And I think for most of us, we believe that working a bunch is not how we get there. And I think when, again, we follow people who are more transparent in how they have their success. You'll find that's how they also got there, right? They didn't toe space and cold plunge their way from the trailer park to owning their own home starting a family paying off their debt and being comfortable in retirement. So recognize that there's nothing wrong with you. CHALLENGE YOURSELF TO CURATE BETTER CONTENT Okay, challenge you. If you look at my social media account, if you look at my Instagram, you'll see I have tens of thousands of followers. I don't know who most of those people are or why they follow me. Yet, look at that ratio. When you look at the ratio of people who follow to followers, it is my belief that you should only follow people that you want to see content from. What you'll see when you look at my account is that I only follow a couple hundred people, right? I follow close friends and family members. and people that I want to see content from. Again, my goal with social media is to curate a feed that makes my life easier with different tips and tricks about physical therapy, coaching, leadership, business, about all the different spheres I'm involved in. That's how I curate my social media feed. I don't follow people back who follow me if I don't think they post any content, that's certainly possible, or content directly relevant to me. And I think it's okay if you have to unfollow those people. Some people may think that means they follow you. Well, hopefully, they follow me because they find value in what I post and I think it's okay to not reciprocate if you don't feel the same way. I'm sure the people who follow me that I don't follow are nice upstanding people who treat their spouses and their children well hold the door for people to pay their taxes on time and leave a nice tip at the restaurant for the waitstaff, right? Not saying there's anything wrong with them. It's just I don't believe that the content they create is beneficial to me, and otherwise, it just becomes an endless blob of noise that maybe as you start to follow and compare yourselves to, you start to feel bad about yourself. So take a step back. Why am I following these people? Is it beneficial to me? It's okay to unfollow people, I promise you. I'm giving you permission, I'm giving you the blessing to do so. Cut that cord, recognize that you don't have as much in common with most of the people that you follow, as you think you do, and recognize that a lot of those people are relying on showing you this grandiose awesome life in order to sell you stuff so that they can continue to live that awesome life of working out on the beach in the Caribbean and living in their mansion in Costa Rica and using dye-free detergent and eating organ meat and all the stuff you're told is the reason that you're not doing as well as you need to. Consider, that your tribe dictates your vibe. Who you follow can really make your day or ruin your day. It can make you feel bad about yourself. You could get caught comparing yourself. So just knock it off. Cut that cord. Hope you have a fantastic Thursday. Have fun with Gut Check Thursday. We're going to be at a live course this weekend. Enjoy yourselves. I'll be back here on Thanksgiving Day. So I'll see you all on Thanksgiving Day. If you won't be joining us, I hope you have a wonderful Thanksgiving. Have a great Thursday. Have a great weekend. Bye, everybody. OUTRO Hey, thanks for tuning in to the PT on Ice daily show. If you enjoyed this content, head on over to iTunes and leave us a review, and be sure to check us out on Facebook and Instagram at the Institute of Clinical Excellence. If you're interested in getting plugged into more ice content on a weekly basis while earning CEUs from home, check out our virtual ice online mentorship program at ptonice.com. While you're there, sign up for our Hump Day Hustling newsletter for a free email every Wednesday morning with our top five research articles and social media posts that we think are worth reading. Head over to ptonice.com and scroll to the bottom of the page to sign up.
#230. Brent Gargasz is a regular guy from Pennsylvania who made his way to central Ohio and filled a gap because he missed something he loved. The best part is the cost of doing so was leaving something he hated. He is a grinder, an outdoorsman, and a Pizza Nerd. Listeners and folks from Newark know what we're talking about. Pizza Nerds is a nostalgic project that combines the pizza of Brents youth with the pop culture of the same. Do you like pizza? You need to try theirs. Do you like Rugrats, Saved By the Bell and Teenage Mutant Ninja Turtles? You'll have fun while doing it. Brent shares his story and the perhaps naive confidence which led him to being a successful entrepreneur. We also play a fun game listing foods from TV and movies and we wax poetic with the natural experience of hunting and fishing; a solid discussion with a solid dude. Thank you, Brent! Follow the LinkTree below to keep the discussion going and, until next time, be kind to each other.Pizza Nerds - http://pizzanerdsoh.com/home/Main Landing Page - https://linktr.ee/fromthemidpod VOICE MAIL!Comment, ask a question, suggest topics - (614) 383-8412Artius Man - https://artiusman.com use discount code "themiddle"This show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/4771230/advertisement
In today's episode of the IC-DISC show, I chat with Mark Wade, founder and president of Echelon Virtual Family Office. Mark shares insights into virtual family office services, tailored for those with substantial wealth not needing a standalone family office. We also discuss premium-financed life insurance structures and how they serve individuals with several million dollars in assets. Mark outlines the origins of virtual family offices, tracing back to the Rockefellers. We learn they now cater to those with $10 million or more in assets. Additionally, Mark describes optimizing value when selling a business through pre-sale coordination, marketing strategy, and deploying post-liquidity event assets. We conclude by examining indexed universal life insurance advantages and investing in index funds, real estate, and small businesses. Overall, this informative episode underscores wealth management options and leveraging life insurance through Mark's insights   SHOW HIGHLIGHTS In this episode I chat with Mark Wade, the founder and president of Echelon Virtual Family Office, How He provides services to wealthy individuals who need family office services but do not justify having a standalone family office. Mark elaborates on the concept of a virtual family office, highlighting that it originated with the Rockefellers. He explains that these services are typically available to those with a net worth of $10 million or more. We discuss the process of leveraging life insurance through premium financing, with Mark emphasizing that the coordination of various financial professionals and providers is key to unlocking a business's value. Mark and I delve into the process of pre-sale value creation, marketing to potential buyers, and the deployment of assets after a liquidity event. We explore the struggle of successful business owners in transitioning from their roles after a liquidity event, and the satisfaction derived from making a difference in people's lives. We discuss the concept of premium financed life insurance and how Etch-A-Lan uses it strategically. Mark describes the process of bank financing with collateral and contribution, explaining how clients can sign a personal loan and provide collateral. We discuss how despite a higher interest rate environment, the strategy of bank financing remains potent due to policy flexibility. Mark and I examine the benefits of indexed universal life insurance and the advantages of investing in index funds, rental real estate, and small business ownership. Finally, we celebrate the power of self-confidence and the wisdom gleaned from financial experiences. LINKSShow Notes Be a Guest About IC-DISC Alliance About Echelon Wealth Strategies GUEST Mark WadeAbout Mark TRANSCRIPT (AI transcript provided as supporting material and may contain errors) David: Hi, this is David Spray, and welcome to another episode of the ICDisc Show. My guest today is Mark Wade, the president and founder of Etch-A-Lan Virtual Family Office. They work with families who have a need for family office services but whose net worth does not justify having a standalone family office, so they serve these families and add a lot of value. We had a great interview talking about some of the things they do to add value, and then we also talked about an interesting structure that they are familiar with around leveraging life insurance through premium financing in what he describes as a quote modern structure. I have some familiarity with premium finance life insurance but Mark's approach is really interesting. We also talked about things he wish he had known when he was younger and advice he would have given himself. So this is a great episode for really anybody who has accumulated several million dollars of wealth or more who's interested in learning more about the options available to them to manage their wealth. I hope you enjoy this episode as much as I did. Good morning, mark. Welcome to the podcast. Good morning. How are you today? I am great. So where are you calling in from today? What part of the world are you in? Mark: Today we're calling in from sunny Venice, florida, on the Gulf Coast. David: Venice. Okay, what's the nearest large city that Venice is near or larger? Mark:20 miles south of Sarasota Okay. David: Excellent. I love that. That's the largest city. I love that part of Florida. So I'm kind of a sequential learner. I like to kind of start in the beginning. Are you a native Floridian or are you from somewhere else? Mark: I was born and raised in Newark, new Jersey, and lived my childhood in New Jersey and, as I, when I graduated college. Since then I've been all over the country, coast to coast. I've spent part of my corporate career, my earlier corporate career, west of the Mississippi, headquartered out of Florida where, I'm sorry, out of California, where I ran west of Mississippi for one of the major brokerage firms, and then, when I went independent in 1999, relocated back to the East Coast again. So I'm currently a Florida resident. David: Awesome. Yeah, so I'm a Texan and it's like Texas and Florida seem to be like kindred spirits. You know the similar philosophies on a lot of things, and with a fair amount of Gulf Coast Beach front. That's right. So talk to me about echelon virtual family office. What's the history? What made you start it? Who are you set up to serve? Tell me the story. Mark: Yeah, great. So echelon virtual family office really started in 19 as a state and succession planning firm. Okay, business owners have been our focus for many years, though we do serve some at this point quite a few C level corporate executives, upper level corporate executives and retirees from both the business world and the corporate world. So echelon virtual family office is an evolution of that original practice. And you know, as a virtual family office, most people have heard of the Rockefellers and they've heard of the Vanderbilt's and you know the Rockefellers got it right and unfortunately, the Vanderbilt's didn't, and they meaning the Rockefellers really came up with the concept of a virtual family office. You want me to just give a brief run down to what a family office does. Yeah, please do that for those that might not have heard of it or not that familiar with it. So the Rockefellers figured out years ago that instead of sourcing a variety of outside professionals, instead of going to outside attorneys and accountants and real estate people and mortgage people and bankers and so on and so forth, you know, john Rockefeller figured out that he could just go ahead and hire all those people inside, because he created enough wealth in order to do that. Nowadays, by the way to create your own family office. It makes sense when you have about 250 million dollars of net worth, okay, so below that, a family might employ the services of a multi-family office, which is where a variety of people, a multitude of people, who typically have about 50 million and larger, would use the same services of a family office. That is a for-profit family office. So some of the people from the private family office one day said, well, we could do this and earn a living at it as a standalone company. So they created a multi-family office and for the last 10 years, myself and a mastermind group that I belong to there's about 220 of us now we started working on this concept of bringing family office services. So it's really all of those core services that everybody knows accounting, legal real estate, banking, mortgage, investment, so on and so forth. Everyone's familiar with those. But some of the more esoteric ones are some of the more more specialized ones, like personal security, trademark law, international banking. So some of the more sophisticated family services not end to include some of the tax driven ones, but you know specific types of tax strategy. You know we are able now to source those on behalf of our clients and provide a network of national experts that are part of our virtual family office and bring those down to clients. We say typically a business owner or or a retired executive or an existing corporate. We are able to bring that down to where it really starts to make sense for individuals at about the $10 million level. Okay, we figure at about a $10 million level we can really start driving some what we call true and meaningful value to the bottom line. We can start making a huge difference for those families in a variety of different ways and to provide some economies of scale to it, because you know when they're, when these specialists are part of our virtual family office, they're used to deal flow from us and so they give our clients some consideration. So that's the idea from 250 million to 50. Okay, pretty much the same types of services that were offered to the people that 250. David: Okay, no, thank you for that. That makes sense, and so it sounds like you just identified a need in the market in that 10 to $50 million network range where the this virtual family office made more sense for people there who was more attractive than a multifamily office structure. Is that about right? Mark: Yeah, clearly, once, once you. So I should tell you we have clients today that are 5 million because they have specific needs that we can address expeditiously and cost effectively. So we have clients that are smaller than 10 million. Typically your clients are 10 million net worth and larger and we have them all the way up to 165 million. So but you kind of write the way you described it we're able to bring under a family or an individual with with less than 50 million. We're able to bring them those family office services that only you know the private family offices used to be able to source in the past. David: Okay, so I love stories, so could you give us, like, think of the and obviously you don't need to share the name of a client, but, you know, think of a client where your service really a difference. Can you just one come to mind? You can kind of give a little bit of the background, what their pain point was, how you were able to make a substantial improvement in their situation. Mark: Yeah, so you know, but you know so it's relevant to a wider swath of people, instead of talking about the exceptional ones I won't do that I'm going to talk about. I'm going to talk about what we commonly see. Okay, that sounds good Because it may be more relevant to, like I said, to water swath of people, and so I cannot remember the last time we had somebody show up if they have ever shown up and they have had all their financial work done, all their legal work done, coordinate and I'm talking about their personal and have coordinated that successfully with their business or corporate world, because it's the marriage of the personal and business, financial and legal affairs. That's where the real, that's where the real magic happens, right, okay? And when you think about it, when was the last time, dave, when was the last time somebody sat down and said to you, dave, I just exited a meeting with my accountant and my attorney and my banker and my pension plan manager and our insurance specialist and we just sat down and talk for hours about me. It just doesn't happen. And so it's the coordination and the direction of all that effort from those various providers that's what drives, I like we say, the true and meaningful value for our clients. So I'm going to you know, I'm going to say that in the areas of wanting to unlock the value, I'm going to say that for a, if they're a business owner wanting to unlock the value, the equity they've created in their firm, whether it's for further investment, for personal investment or because they're looking to succeed, they're looking to transfer the ownership, they're looking to take a strategic sale to an outside buyer, whether it's a internal sale to employees or a succession to family members. You know there's a tremendous amount of value that's derived from that process. Okay, so I'm going to say that in the pre sale, value creation and unlocking that value, and then to the in the process, marketing of an entity to the alright. So now I've collected this. Let's just put a number on a 1020 million dollars or whatever the number is. I've gotten my liquidity event. Now what do I do? And it's not just, it's not just the deployment of the assets, it's really now, what do I do? I mean, I can't play golf every day. I can't go around the world vacation all year long every year. What do I do? It's the next step is what's their next, what's the next project for them, because oftentimes that's what it is. Successful business owners find it extremely difficult to just turn off the computer and walk away. David: Sure sure, of course, of course. Okay, well, thank you. Well, that is helpful. What? What do you find the most satisfying about you all with the company? Mark: That's a great question, Wow. Well, you know, Dave, this is the only thing I've done for 44 years. Over 44 years. I've only ever done what I do today. Okay, and as a lot of your associates probably are able to say, we don't do this anymore because we have to do it for the money. We do it for a lot of other reasons too, and part of which is it's kind of in our being and who we are and it's how we self fulfill, right, and a lot of the drive behind doing what I do today is making a difference. That sounds kind of corny, but it really does. After 44 years of doing tax strategy and financial advising and business exit strategy and retirement planning and all the different planning subspecialties that fall into that. We don't do it just for the money, Don't get me wrong. It's nice to be paid well, but it's the impact that we have and the lives that we affect, oftentimes for people we will never meet, because they're people in the future. They're the heirs of people that we'll never meet and lots of times it's the heirs of the clients. They'll never meet them either. So knowing that we have had that kind of impact that's, an intergenerational impact is 100%. What does it for me nowadays? And it's solving oftentimes these complex and comprehensive problems that you really have to have a lot of time in the barrel and a lot of experience and a really deep bench of people to rely on. Those complex and uncomplicated problems oftentimes are the ones that make or break a family's future. So helping to walk clients through that process it's painting a renaissance picture from the standpoint of you have an idea what it's going to end like. You have an idea of where you're going. But the interrelational family dynamics take you left and right and sometimes it backs you up and sometimes it moves you forward. But going through that process it's so rewarding to see the impact you've had on a family. And oftentimes it's problems that some families don't deal with and oftentimes it's issues that a lot of families deal with. Sometimes it's we have to deal with substance abuse issues and helping our clients get the right help there. I mean we've had opportunities where well, just recently this Afghan war, the withdrawal out of Afghanistan we had a corporate client where we shipped a couple million dollars overseas and a couple of talented and rough guys parachuted into Afghanistan to pick up this guy's daughter who was doing a medical mission for the local population somewhere in the hills and this whole thing kind of exploded quicker than they can expect and a couple of guys wanting to rescue this woman from Afghanistan. Right down to helping our clients prepare their children to accept this kind of responsibility themselves in the future. Wealth comes with its own issues. Many of our clients are self-made people. Many of our clients created their wealth or increased family wealth, and so now how do you prepare your children and grandchildren to carry that on? So there's just a variety of things that we get involved with by introducing our clients to the appropriate specialists in those areas. Like I said, we have over 60 in our network now. David: Okay, well, thank you for that color. I'd like to drill down into a subject that I know a little bit about, but your firm seems to have a little different approach to that. I would just like to talk about that's premium financed life insurance. So can you start by, for listeners that aren't familiar with it, what it is and kind of what the purpose of it is, and then kind of get into the strategy that you all take. That's maybe a little different than some others. Mark: Yeah. So you know, people think about life insurance and they say, oh, I don't like life insurance or I don't believe in life insurance. And we get it because, let's face it, the only people that really want to want life insurance are oftentimes the ones who can't have it. Right. Right, they find themselves in a position and they say, oh man, I really should have life insurance because this is a problem. Now, for whatever their reason health or otherwise they don't qualify for it anymore. But in all other cases that I can think of, you know, life insurance is just a tool. Right, it's just another tool. Keeps on mark what's the good life insurance versus the bad life insurance? And we say, well, oftentimes it's not a matter of what's good life insurance or bad life insurance, it's policy. Design is oftentimes a critical factor, but more often than not, if we just say life insurance is a tool, you know it comes down to the mechanic Okay, Okay, do you use the life insurance in the proper way or what it was intended, and do you design the policy correctly, meaning the agent and the tax specialist. Do you design the policy correctly? Do you own it correctly? Do you fund it correctly? And then, later on, do you access the money correctly. So let's go back to that third one, the funding element. If I know that it's a tool and life insurance does many things, it's kind of like a Swiss army knife. What do we need for it to do today? Well, today we need a death benefit or, you know, maybe we're going to need it for a. You know? You know, some of the largest owners of life insurance are their Fortune 500 companies and banking institutions. You know banking institutions and Fortune 500 companies. They own this stuff because it's part of what they call their tier one capital. And in the banking world, the bank's tier one capital is that money that has to be the safest and the most protected. And so what do banks use for that? Oftentimes they use life insurance. They use, boldly, bank owned life insurance. Okay, in the corporate world, they use Koli corporate owned life insurance. So if we know that it's just a tool and we know that how you pay for it is very important and it circles back to your premium financing, you know what are the ways you can do it? You can pay for your life insurance out of assets, you can pay for your life insurance through a corporation and those where that's applicable and that becomes less and less effective nowadays, but nevertheless, there were still great opportunities to do that, or you can have somebody else make the premium payments for you, and that's where premium finance, life insurance, comes in, and oftentimes it involves it involves having arrangement with a banking institution, and the banks love this because, from their perspective, financing your life insurance policy is a guaranteed investment. Yeah, and it's where the obvious reason why none of us is leaving here without passing away Right, you know, at some point we're all going to pass away, so it's a guaranteed investment for them. So banks are typically very interested in financing these life insurance policies. Banks have gotten significantly intelligent. They look for certain types of policies that do certain things with the right provisions and the right protections for them and own the proper way. So premium finance there's a lot of different types of premium finance out there and there have been different scenarios for years. They come and go as the markets shift and the wind shift, along with interest rates and so forth. But one of these purposes that we see life insurance our clients really warming up to the concept of premium finance nowadays is in the wealth creation process. So we know life insurance provides a death benefit, and oftentimes you can get the bank to provide financing so you can buy more death benefit than you might be able to or might want to pay for, or on your own. Sure, but another more popular way nowadays well, maybe equally popular, but certainly has risen in popularity is in the wealth creation process, whereby you can have a bank, add additional premium dollars to your premium dollars and those monies accumulate inside that policy for you on a tax deferred basis. Right, because insurance companies they get treated especially from all other corporations in the world, so that money multiplies inside the policy for the benefit of the owner and eventually the beneficiaries at some day. But as those policy values grow and grow, because part of it's your money and a much larger part is the bank's money in there, you get to earn money on the bank's money and it's really an arbitrage between interest rates, right, it's how much is the bank charging me to borrow the money versus how much can I earn on that money. And so we've been, you know we've been really fortunate. You know, over the last two decades I have tremendous positive arbitrage on the on those premium dollars and our clients have enjoyed tremendous policy cash value increase, which then they have been able to borrow on the back end, which is one of the preferred ways to do it to borrow your own money out and pay yourself back, right, right so. So the various flavors of being able to borrow that money. Some financing scenarios where you sign a personal loan at the bank and you provide collateral and the bank can call you at any time and say, hey, you need to increase that collateral because markets have moved against you and we need more money to shore up our policy, cash value. And then there are those type of policies out there Now the newer designs. The financing scenario says hey, for the first five years you put up half and we'll put up half, so let's use a $50,000 premium. So for the first five years, david, you put up $25,000 a year and we, the bank, will put up $25,000 a year and at the end of five years your commitment is done. You don't have to put any more money into this policy. But for the next five years so from years six to 10, we'll put in the $50,000 on your behalf. We'll add that additional premium dollars on your behalf. So it works out typically between where the bank puts in about just approximate numbers. It depends on age and health. Well, the bank might put in 70% of the premium dollars, you might put in 30. And then at the end of 15 years, so a five year period, a five year. So the first five year period you share in depositing premiums. The second five years the bank puts in the premium dollars, and then the third five years that money just sits there and marinate and percolates and hopefully continues to grow like it has over the last couple of decades. And then at the end of 15 years the bank will say, okay, we're going to take our premium dollars back now with the interest that has accrued. You get everything else left in the policy. So that is an extremely popular scenario that has worked incredibly well for our clients and it's amazing the wealth that can be accumulated inside these policies to access later on, either through withdrawal while the client's alive or typically what's more effective is a policy loan while the client's alive, a loan that the client presumably will never pay back, and when the client passes away it just comes out of the death benefit. So here's the beauty. The beauty is these more, these newer, more effective designs. The client signs no loan for the bank's premium contribution. The client puts up no collateral for the bank's premium contribution. The policy itself is all the bank needs, and the way of collateral Got you. The bank has what's called a collateral assignment against it. Well, it's all sees, all yours. David: Yep, and then so would this be like a 10 pay policy, like there's contractually 10 years of payments. Is that typically what it is, or is that payment duration dependent on market forces? What's? Mark:the tip that 10 year structure is the typical structure. The only reason why it would be different is if the client wanted it to be different. Really couldn't be shorter. David: Because of the modified endowment contract. Mark: Yeah, well said, you can only get so much cash into those things in a short period of time. So that's the whole. Yes, to front load the deposits as quickly as you can. Well, not violating any tax code. Tamar defer, so yeah, so that's exactly right. So it must be 10 years. You could fund it in five years, but then you wouldn't get the other five years of the bank's contribution Exactly Right and you'd likely hit the Mech parameters if you just funded it for five years, right? It's possible. Yeah, it depends on depending on health and age. Yeah, and because these policies are flexible, you can always adjust the death benefit to make it work. Yeah, but the real magic there is in the bank's share of contribution to that policy. Yeah, five years you share. You put money in. The bank puts money in the second five years only. The bank puts money in the third five years. It just continues to grow and at the end of 15 years the bank takes their money out and it's all yours. There's sums that have been accumulated in these policies has been astronomical, really. It's a very effective way to do it without having to commit you know collateral or sign a bank loan. Yeah, the bank uses the policy as the entire collateral required. David: Yeah, no, it's really an interesting approach. You'd mentioned how effective that had been the last 20 years because of that positive arbitrage between interest rates and earnings. So what are the thinking? How's that? Mark: going to change. David: Now that we're in a higher interest rate environment and, at least for the time being, a lower earnings environment, it seems like that arbitrage has flipped the other way. How does that still work then, in that scenario? Mark: Well, here's what we know. We know that some of the smartest people out there in the finance world work for insurance companies and banks. Right, these people? They don't lose money. Insurance companies don't lose money typically, at least not in the life insurance business and to my knowledge, no banks have ever lost money financing any of these policies. So really, that just leaves the policy, the holder, right, the person who's going to benefit from the actual policy itself and their heirs. And I can tell you this the insurance companies they don't underwrite things that are not going to work and the banks will not invest their capital in things that are not going to work. Yes, interest rates have risen precipitously and nobody knows in the near term what will happen, because it's everything's a speculation. Today, you know, the expectation is maybe they're going to bump rates up one or two more times before they start reversing course and hopefully by the end of 2024, they see rates coming down. But it's all speculation, it's all just what we hear from the experts. But long term, I can tell you, over rolling 10 year periods still, what's one of the safest, what's one of the most consistent places that you can have capital. You know great dividend paying stocks. You know the wonderful corporations of America. You're the small business owner who is competent, effective and willing to assume some risk of owning his own business has always been a tremendous way to do it. Rental, real estate, you know, other than those three things, what do you really have? So you have to deploy capital somewhere and, that being the case, having and, by the way, the type of policies that have proven to be most effective or effective today in this area. You know these indexed universal life policies. The underlying investments are tied to an investment index. Most typical ones are the S&P 500 and NASDAQ. You know, even in times of tremendous pressure on these markets, every academic will tell you and everybody who's in the securities business will say, it's just hard to beat the long term returns on America's best companies. They continue to grow for a reason. David: Yeah, well, that's why I think it was Warren Buffett that advised his heirs to just put all the money in index funds, because when you look at the cost and performance, and yeah I mean, it turns out that it's really hard to beat the market over a long period of time. Mark: We did have that thing called the lost decade. You know, just look at where we are today from then. Yeah, look at where the market sits today from where it was in 2008 and 2009. It's just staggering, right. So these type of policies, it's like it's a great marriage because you can participate in the upward climb of the underlying markets, of the S&P 500 or NASDAQ or whatever next, or in these particular policies. You can participate in that, but you don't participate in the loss, and by that I mean the effect of the market can only be positive on your policy. These policies are protected against a loss due to a market value adjustment, due to a down market. Your policy, your policies, are going to earn zero or some positive return and you're not going to lose money because the market went down. Right, hold out a negative market value adjustment, a downward market, a guarantee against a negative market value adjustment and B just to re-go, there's our video back and B. They know you're going to pass away at some point and the worst case scenario is they're going to collect when you pass away. Yeah, if you die in less than 15 years, they'll collect. That's correct. That's correct. So it's a win for the banks and, of course, the insurance companies always make money, sure. So the downside when we look at this is what else would we do with our money? The opportunity costs, yeah. What else would we do with our money if we didn't have it invested into America's greatest companies, if we didn't invest in our own business and our own abilities, or an investment in real estate? And if you remember, in 2008 and 2009, the stock market and real estate plummeted at the same time. Right, it was the first time what we call the uncoupling of those assets. Typically, real estate goes up and the market goes down. Market goes up, real estate Typically, there's some, there's their link in some way shape. Well, this time they were linked. All right, they both went down dramatically. David: Yeah, okay. So I can't believe how the time has flown by. I've got just a couple more questions before we wrap up. What do you wish you knew when you were 25? Wow, I wish. Or if you could go back and here's the way I meant to phrase it If you could go back in time and give advice to your 25 year old self, knowing what you know now what advice? And that you give yourself Confidence. Mark: Okay, what do you mean? Knowledge? Well, have confidence in yourself. Okay, have confidence. Have confidence in your ability to learn. Always learn, continue to learn and expand your mind. Don't draw yourself into this cone of specificity. This world has changed so many times. Have the confidence to be flexible. Have the confidence to step out and do different things. Expand your knowledge. And then the other thing is you oftentimes don't know what you don't know right, and sometimes it only comes with experience and the wisdom comes from the experience that you've been. You know those experiences that you've endured along the way. Don't let that deter you. Dick Vitale has a great new book out called Never Give Up. Yeah, it's kind of. It's kind of his story about persevering. I'm fortunate enough to be in that book. Oh, you are. I have one of the chapters in that book. I co-authored one of the chapters along with Dick Vitale, so it's it's. It's a little bit about my story of never giving up. So have the confidence. I didn't know that I'd be able to do all the things I can do today when I was 20 or 25 years old. Okay. David: Just don't know. Sure, no, that's great. I love it. Well, as we wrap up, is there anything that I didn't ask you, that you wish I had asked you? Mark: Well, I think we covered a couple of extremely important topics. You know, we do have three other entities in addition to Echelon Virtual Family Office, echelon Asset Protection, echelon Resource Teams. So there are a couple other companies that we could talk about at another time, if your audience is interested. David: Okay, well, that sounds great. Well, mark, I really appreciate you taking time out this morning to talk to me. I really love your story. I love the advice you give to yourself. I really enjoyed learning more about this more modern structure of premium finance, where there's maybe not quite as much leverage upside, but there's a lot less downside for the participant in terms of no personal guarantee and no collateral posting required. So thank you for that insight and just for your time and your enthusiasm for what you do. So thank you. Mark: David, thanks so much. It's been a pleasure being your guest today and I wish you well in your podcast, continued success. Thanks, mark. Special Guest: Mark Wade.
A derby none of us will ever forget took place this weekend as Benfica score twice in stoppage time to go from down 6 in the table to joint leader in 3 minutes. Check Out my Vlog I shot while watching the Benfica-Porto match at the Casa do Benfica in Newark, NJ.Click Here to Watch on YouTubeCheck out the latest Episode of my 2023 Summer Stadium Series on the My YouTube ChannelClick Here For the Latest Episode - Nashville If you like my content and would like to help support the network you can do so by clicking on this link, Mister Benfica will NEVER be behind a paywall but any contribution will be greatly appreciated Follow me on Twitter @mikeagostinho Follow the show on the platforms below: Twitter Instagram Facebook Apple Podcasts Spotify Google Podcasts Podbean iHeartRadio Amazon Music/Audible For more content check out www.misterbenfica.com And don't forget to give some love to the musicians who provide the theme music for this podcast! Follow Agendaz on their socials below!!! Spotify Apple Music Soundcloud Instagram Facebook #IfYouLoveFootballYouLoveBenfica
In this podcast episode we want to introduce you to our BCEN Friend George Olschewski. George Olschewski started out in healthcare as an EMT in 1993 and finished an English degree with a minor in journalism before going back for his nursing degree. Since 1998 George worked in the hospital from the intermediate and step down units to the ED at the Level One trauma center-University Hospital in Newark, New Jersey. It was there that George became a founding member of the Critical Care Transport Team at the trauma center. George continues to serve in both specialties of EMS and transport nursing at Hackensack University Medical Center's specialty care transport unit and Angel Midflight's aeromedical flight team. In addition to his CTRN, George holds the TCRN, CEN and TCRN certification along with his certification as a Nationally Registered Paramedic. Come along as Janie Schumaker, Michael Dexter, and Hollye Briggs talk with George about his career in transport nursing and recent nomination and selection for a BCEN award. Come join in on this celebration conversation. This episode is called “Not all Heroes are in Comic Books: Spotlight on the 2023 Distinguished CTRN Award Winner.” George can be reached on LinkedIn @GeorgeOlschewski.
In this episode of "Greetings From the Garden State," host Mike Ham engages in an enlightening conversation with Chris Paladino, the visionary behind the revolutionary Helix project in New Brunswick, New Jersey. The Helix, standing for the Health and Life Science Exchange, is a groundbreaking initiative designed to establish an innovation district uniting academia, large corporations, and startups in the health and life sciences. Paladino sheds light on the magnitude of the project, representing the largest investment in life science research in New Jersey's history, with a budget surpassing $800 million in its initial phase and a projected total investment nearing $2 billion.Throughout the discussion, Paladino, leveraging his background in law and extensive real estate development experience, reflects on his pivotal role in transforming New Brunswick. Previous successes such as the Heldrich Hotel, the New Brunswick Performing Arts Center, and the College Avenue Redevelopment Project have contributed significantly to the city's growth, making it an attractive hub for living, working, and cultural engagement.The conversation also delves into the philosophy of community-centric development, emphasizing the Helix's goal to change city dynamics by creating vibrant communities rather than mere structures. This focus aims to attract talent and foster collaboration, particularly in crucial sectors like life sciences and technology. Positioned strategically in New Brunswick, the Helix leverages its proximity to Fortune 500 companies and Rutgers University's research capabilities to become a hub for innovation and research, driving economic growth and job opportunities.Paladino emphasizes the human impact of the Helix, envisioning groundbreaking discoveries that improve lives through therapies, medications, and devices developed within the project. Beyond scientific advancements, the Helix aspires to create a dynamic community that fosters collaboration and innovative solutions. The discussion expands to the statewide influence of innovation hubs, with Paladino tying in developments in Newark and Jersey City. The interconnected network aims to retain skilled professionals within New Jersey, positioning the state as a hub for innovation.Stay tuned to "Greetings From the Garden State" for more insightful conversations on New Jersey's innovation, growth, and community development. Explore the Helix project and Chris Paladino's endeavors through their official channels on HelixNJ.com, and join the conversation on social media using #HelixInnovation #NJInnovationHub #GreetingsFromNJ. Don't miss this episode where New Jersey's future is being shaped—tune in and be part of the transformation!Explore more about The Helix: https://email@example.comMusic: "Ride" by Jackson Pinesjacksonpines.comThank you to our sponsors:The Helix: helixnj.comNew Jersey Lottery: njlottery.comMake Cool Sh*t: makecoolshit.coUCS Advisors: ucsgreatness.comAlbert & Whitney CPAs: awcpasllc.comMayo Performing Arts Center: mayoarts.org/events-calendarOMG Tarot: omgtarot.comContact the show: firstname.lastname@example.orgSupport the show
“As if people who aren't trans can't take something from our experiences and our stories. Well, we've been watching cis people tell stories forever, and we still take stuff from stories because we're all human beings.” - Mika Onyx Johnson The arts have always played a powerful role in influencing public perception. That's why it matters what stories we decide to tell, and who we choose to tell these stories. Stars of stage and screen Felix Mufti and Mika Onyx Johnson share their thoughts about what genuine inclusivity looks like, as well as the value of funding regional theatre projects, and the joys of working on smaller-scale productions. Felix and Mika's word of the day is OWNERSHIP Watch along with this episode here About our contributors: Felix Mufti is a scouse activist, performer, writer and chaos-causer who loves to tell his unhinged life stories through rhythm n' rap inspired spoken word, poetry, prose and music. With a passion for many forms of activism, due to his own lived experience, Felix's heart lies deepest with his fellow Queer communities. He is an key organiser for Trans Pride Liverpool, Transgender Day of Remembrance and is the Trans Rep for Socialist LGBT+ Network. He is also a lecturer and workshop facilitator for companies, charities, community groups providing expert insight into how Queerness and allowing it flourish can positively influence industries, community and society. Felix co-founded Transcend Theatre where he writes and performs in authentic, usually unexplored stories of trans experience. His sell-out shows: ACE funded play and his debut, How to Kill a Rose was rated 4/5 stars by North West End and his following project Be Gay, Do Crime, blew the roof off the Shakespeare North Playhouse. Felix's professional credits include: Sex Education (Netflix); When All Is Said (Fuel) which he also wrote and Transpose: Joy (Barbican). Mika Onyx Johnson is an actor, writer and performance artist from Nottingham. His debut show, Pink Lemonade, previewed at the Gate Theatre before premiering at the Edinburgh Fringe Festival in 2019, where it was included in The Stage's 18 best shows of the Fringe. In 2021 Pink Lemonade debuted at the Bush Theatre, to rave reviews. The show is currently being developed for TV with Balloon Entertainment. Theatre includes: As You Like It (Shakespeare's Globe), The Seagull (Harold Pinter), Cyrano de Bergerac (Playhouse, Harold Pinter, Glasgow Theatre Royal and BAM – NYC), Pink Lemonade (Bush); Dear Elizabeth (Gate); Michael X (Almeida). Television includes: Newark, Newark; Screw; The Girlfriend Experience. Writing includes: What It Feels Like For A Girl (BBC); My White Best Friend (Bunker); Pink Lemonade (Bush); Queer Upstairs (Royal Court); I'm Here (Pentabus). You can find our list of resources here #AnthemsTalks is a collection of intimate conversations between pairs of trailblazers, activists and creatives in honour of Transgender Awareness Week. It was Executive Produced by Bea Duncan, with Production from Talia Augustidis and Lucy Carr, video production from Thunder Video, video editing by Eleanore Bamber and Sound Engineering by Ben Williams. The artwork is by Eleanore Bamber and Mars West. Learn more about your ad choices. Visit podcastchoices.com/adchoices
My goodness... am I excited to tell you about Aimee Meredith Cox! She is PURE MAGIC! Aimee is an American cultural anthropologist, writer, and movement artist. She is currently an associate professor of Anthropologie at NYU. Aimee is the author of the book Shapeshifters: Black Girls and the Choreography of Citizenship. Shapeshifters earned the 2016 Victor Turner Book Prize in Ethnographic Writing, and an Honorable Mention from the 2016 Gloria E. Anzaldúa Book Prize, as well as the 2017 Book award from the Society for the Anthropology of North America.Aimee has performed and toured internationally with Ailey II, the second company of Alvin Ailey American DanceTheater and the Dance Theatre of Harlem. She has choreographed performances as interventions in public and private space in Newark, Philadelphia, and Brooklyn.Aimee is also a yogi of many decades. Yoga is integral to her life and her overall research. She leads yoga teacher trainings as well as advanced study and continuing education workshops around the globe. (We have one coming up, hee hee)Aimee is also a teacher at The Class : a fitness driven workout that connects you to the present moment.Aimee is a Ford Foundation Postdoctoral Fellow, a recipient of the Nancy Weiss Malkiel Award, and has served as the Virginia C. Gildersleeve Professorship from Barnard College. Aimee you are such an force and an inspiration! Thank you for sharing your spirit and energy with us for for these Magical Moments. @aimee_mere
Kaitlin Armstrong made an appearance in front of the judge as she prepares to face multiple charges with the most severe being murder.She has been charged with murdering the rival for her ex boyfriend, a professional cyclist named Moriah Wilson. After she allegedly killed Moriah Wilson, she then fled Texas first to Newark and then to Costa Rica where she was eventually tracked down and brought back to America by US Marshalls. Her trial is set to start in June.(commercial at 8:05)to contact me:email@example.com:'Killer' yoga teacher makes pre-trial court appearance 'after she murdered cyclist boyfriend's lover | Daily Mail OnlineThis show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/5003294/advertisement
Kaitlin Armstrong made an appearance in front of the judge as she prepares to face multiple charges with the most severe being murder.She has been charged with murdering the rival for her ex boyfriend, a professional cyclist named Moriah Wilson. After she allegedly killed Moriah Wilson, she then fled Texas first to Newark and then to Costa Rica where she was eventually tracked down and brought back to America by US Marshalls. Her trial is set to start in June.(commercial at 8:05)to contact me:firstname.lastname@example.org:'Killer' yoga teacher makes pre-trial court appearance 'after she murdered cyclist boyfriend's lover | Daily Mail OnlineThis show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/5080327/advertisement
Benfica returned to victories in the #LigaPortugal 2-0 over Chaves in Round 10. In an episode that was partially recorded before Wednesday's #UCL match at Real Sociedad I talk about a 3-4-3 formation that would be blown up by the time episode was done recording.... Check Out my Vlog I shot while watching the Benfica-Porto match at the Casa do Benfica in Newark, NJ.Click Here to Watch on YouTubeCheck out the first 2 Episodes of my 2023 Summer Stadium Series on the My YouTube ChannelClick Here For the Latest Episode - Nashville If you like my content and would like to help support the network you can do so by clicking on this link, Mister Benfica will NEVER be behind a paywall but any contribution will be greatly appreciated Follow me on Twitter @mikeagostinho Follow the show on the platforms below: Twitter Instagram Facebook Apple Podcasts Spotify Google Podcasts Podbean iHeartRadio Amazon Music/Audible For more content check out www.misterbenfica.com And don't forget to give some love to the musicians who provide the theme music for this podcast! Follow Agendaz on their socials below!!! Spotify Apple Music Soundcloud Instagram Facebook #IfYouLoveFootballYouLoveBenfica
When a Brazilian woman taking part in an exchange program goes missing, language barriers, inconsistent stories, jurisdictional issues, and a notoriously violent city muddy the waters in her investigation. This episode was written and researched by Shana Wilensky.With production, editing, and additional research by Josh Hallmark. Resources:• Search continues for Brazilian student who vanished after leaving Newark bar 4 years ago - nj.com• Thoughts & Views: Have you seen this woman? - The Observer Online• Talk of the Town (a Small Brazilian Town) - The New York Times (nytimes.com)• Comissão ouve depoimento para esclarecer desaparecimento de Carla Vicentini — Senado Notícias• 14 years since the disappearance of Carla Vicentini | Tribune of the Region (tribunadaregiao.com.br)• Brazilian woman still missing in the U.S. | THE WEATHER (otempo.com.br)• Commission hears testimony to clarify disappearance of Carla Vicentini — Senate News (senado.leg.br)• After Over Two Months Disappeared Brazilian Girl in the US Still Missing - brazzil• 16 years ago, a Brazilian exchange student moved to America. 21 days later, she vanished. What happened to Carla? | Fatim Hemraj | NewsBreak Original• In 2006, a woman vanished after leaving a bar with an unknown man : UnresolvedMysteries (reddit.com)• Newark was one of the deadliest cities in the U.S. Now it wants to set an example on public safety reform. (yahoo.com)• With 101 Homicides, Newark Nears a Record - The New York Times (nytimes.com)• The Economics of Crime: Lessons For and From Latin America (nber.org)• #27 - Carla Vicentini | MISSING (podcastcdd.com.br)• Suplemento Único ao DSF 153/2006 - Diários - Atividade Legislativa - Senado Federal• Father of missing Paraná in the U.S. accuses apartment owner | News | Tribune of Paraná (tribunapr.com.br)• Understand the case (gazetadopovo.com.br)• Single Supplement to DSF 153/2006 -Daily - Legislative Activity - Federal Senate (senado.leg.br)This is a Studio BOTH/AND production: truecrimebullshit.com / bothand.fyiFor an ad-free experience: patreon.com/studiobothandMusic by: Yehezkel Rez, Buddha Times, and Chris Zabriskie Featured song by Space DovesPatreon Producers: Adrienne Aiello, Amelia Hancock, Amy Basil, Annette L, Benjamin Cioppa-Fong, Casey Jensen-Richardson, Dana Keith, Dr. Jill Cooper, Drew Vipond, Hallie Reed, Jessica Alihodzic, Jillian Natale, John O'Leary, Kendall C, Kimberly K, Lauren F, Lynnlie Tuschoff, Manolis Boulukos, Meggan Capps-Seawel, Mike Sherman, Nicole & Dennis Henry, Sarah King, SC, Shannon Foster, Shelly Brewer, Tuesdi Woodworth, Zack Ignatowicz Warren, Beth McNally, John Comrie, Jordan Taylor, Karli McNutt, Lana, Sara Cee, and Lydia FiedlerThis show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/3588169/advertisement
Get ready for another action-packed episode of 302BIRDS! The Eagles are soaring high after a thrilling victory over the Dallas Cowboys, and we'll break down all the exciting moments from the game. With a much-needed Bye Week on the horizon, we'll take a moment to regroup and prepare for the challenges that lie ahead in the Eagles' season. In the world of baseball, we're diving into the Phillies' free agency push, particularly their efforts to secure Nola. We'll discuss the potential impact on the team's performance. The Sixers have had an unlikely hot start this season, and we'll explore how their success is unfolding. Plus, we'll take a close look at James Harden's contrasting performance as he adjusts to his new team. The Sixers are pushing hard towards the postseason, and we'll provide an inside scoop on what's in store. There's also news about Embiid that you won't want to miss. We have some fantastic guests lined up for this episode. Brad Feinberg will be joining us to provide Jack and Matt with some solid betting advice. Ben Schad, a fellow Salesian brother and Philly Sports Radio guy, will be in the house to add his unique perspective. Tune in for a dynamic episode filled with lively discussions, expert analysis, and a passion for Philly sports that runs deep. Whether you're a die-hard fan or just love staying in the know about sports, this episode is a must-listen. Stay connected with us on: TikTok: https://www.tiktok.com/@302birds Instagram: https://www.instagram.com/302birds Website: https://linktr.ee/302birds Facebook: https://www.facebook.com/302Birds Spotify Podcasts: https://open.spotify.com/show/1FsLdnsXbYhTBrzib1g7p0?si=4e2cdbf6d39941da Twitter: https://twitter.com/302Birds Join the conversation with these hashtags: #Eagles #EaglesNews #NFL #PhilliesFreeAgency #Sixers #JamesHarden #NBA #Embiid #BettingAdvice This episode is made possible by our amazing sponsors: VETERANS APPRECIATION TEES: Cop one all month long to show your appreciation! 100% of profits donated to local Veterans foundations! https://www.bonfire.com/veterans-appreciation-tees/?productType=bacf6cd6-b53d-469c-ab96-02afe5b15f71 EAT AT EL DIABLO: Indulge in mouthwatering flavors at https://www.eldiabloburritos.com/ NICK'S PIZZA: Satisfy your pizza cravings with amazing local pizza from Nick's Pizza of Wilmington, DE. Check them out at https://www.facebook.com/Nickspizza302/ KLONDIKE KATES: Discover the heart of Main St in Newark, DE, with Klondike Kates. They're an amazing restaurant serving up delicious bites and drinks. Visit them at https://www.facebook.com/KatesNewark TICKPICK: Make sure to download the Tickpick App TODAY. The best place to buy tickets to any event with ZERO fees. Download TODAY ($10 off first order): https://tickpick.page.link/NZbF KUTT BET: Make sure to download the Kutt app TODAY. The best place to sportsbet with your friends, a peer-to-peer social betting platform that is changing the game! Download today and see what all the hype is about: https://kuttapp.app.link/WfJZUy2Phub?referral=302birds 2023 BREAST CANCER TEES: Join us in supporting the fight against breast cancer with our limited-time 2023 Breast Cancer Tees. 25% of profits will benefit the Breast Cancer Research Foundation. Get yours at https://www.bonfire.com/2023-limited-time-breast-cancer-tees/?productType=1d7eda58-3af0-46b5-a3fa-1fe8158a9fbe Tune in and stay updated on the thrilling world of Philly sports with 302BIRDS!
The FCS College Football Experience (@TCEonSGPN) on the Sports Gambling Podcast Network reacts to a wild Week 10 FCS College Football week. Pick Dundee aka (@TheColbyD) & Mike Rose (@GCG_Wins) break down every single FCS game and make sense of the FCS Conference race scenario as the road to Frisco, Texas and the Celebration Bowl carry on. Did the South Dakota State Jackrabbits really establish that they have the upper hand on the North Dakota State Bisons after winning The Dakota Marker game? Did the Lafayette Leopards and Dean DeNobile blow a big opportunity by losing at home to Colgate Raiders and Michael Brescia? Are the Harvard Crimson and Charles Deprima going to walk away with an Ivy League Championship after a nice win against the Columbia Lions? Did the Villanova Wildcats and Jalen Jackson make a statement that they are on the top of the CAA after a great road win against Max Brosmer and the New Hampshire Wildcats? Are the Gardner Webb Runnin' Bulldogs and Narii Gaither still alive to make the FCS Playoffs after a huge win against Zevi Eckhaus and the Bryant Bulldogs? Are Reese Poffenbarger and the Albany Great Danes a legit threat to win the FCS Championship? Did the Furman Paladins look the part in locking up the SoCon Championship after beating the Chattanooga Mocs on the road in Chattanooga, Tennessee? Have the Montana Grizzlies and Bobby Hauck found their team identity after a dominating performance against Sacramento State in Missoula? Should we be worried about the Delaware Blue Hens after Matthew Downing and the Elon Phoenix went to Newark, Delaware and knocked off the Blue Hens? We talk it all and more on this FCS Week 10 Reaction Show on the FCS College Football Experience. ===================================================== Support us by supporting our partners Gametime code SGPN - Download the Gametime app, create an account, and use code SGPN for $20 off your first purchase - https://gametime.co/ Underdog Fantasy code SGPN - 100% Deposit Match up to $100 - https://play.underdogfantasy.com/p-sgpn 4:42 Discuss with fellow degens on Discord - https://sg.pn/discord SGPN Merch Store - https://sg.pn/store Download The Free SGPN App - https://sgpn.app Check out SGPN.TV Support us by supporting our partners Underdog Fantasy code SGPN - 100% Deposit Match up to $100 - https://sg.pn/underdog Follow The College Experience & SGPN On Social Media Twitter - https://twitter.com/TCEonSGPN Twitter - http://www.twitter.com/gamblingpodcast Instagram - http://www.instagram.com/sportsgamblingpodcast TikTok - https://www.tiktok.com/@gamblingpodcast Facebook - http://www.facebook.com/sportsgamblingpodcast Youtube - https://www.youtube.com/@TheCollegeExperience Follow The Hosts On Social Media Colby Dant - http://www.twitter.com/thecolbyd Patty C - https://twitter.com/PattyC831 NC Nick - https://twitter.com/NC__NicK Watch the Sports Gambling Podcast YouTube - https://www.sg.pn/YouTube Twitch - https://www.sg.pn/Twitch Read & Discuss - Join the conversation Website - https://www.sportsgamblingpodcast.com Slack - https://sg.pn/slack Reddit - https://www.sg.pn/reddit Learn more about your ad choices. Visit podcastchoices.com/adchoices
An overview of Jerry Only and his endeavors in singing after Michale Graves quit the Misfits 95. FRUMESS is POWERED by www.riotstickers.com/frumess GET 1000 STICKERS FOR $79 RIGHT HERE - NO PROMO CODE NEED! JOIN THE PATREON FOR LESS THAN A $2 CUP OF COFFEE!! https://www.patreon.com/Frumess