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Everyone's talking about creative finance and seller financing lately, but does any of it actually work in self-storage? In this episode, Alex sits down with Joe and Jenn Dellefave, two experts who live and breathe creative finance, to get the raw, unfiltered truth about what works, and what doesn't. If you've ever wondered whether sellers really say yes to these kinds of deals or if it's all just hype, this episode breaks it down, from real conversations to real numbers. You'll walk away knowing exactly how to structure terms that make sense and spot the red flags before you waste your time. You'll Learn How To: Spot real motivation behind why a seller might agree to creative terms Structure seller-financed deals that actually make sense and avoid the traps Use simple language to win trust and close more storage deals Turn dead leads into profitable opportunities using creative finance Know when traditional financing is actually the smarter play What You'll Learn in This Episode: (00:00) Why staying quiet and listening is the key to uncovering seller motivation (01:00) Can creative finance really work for self-storage? (04:00) Joe & Jenn's story, how hitting a financing wall led to freedom (07:00) How to pay full price and still win the deal (10:00) Simple questions that uncover a seller's real why (15:00) The biggest mistakes investors make in seller finance deals (22:00) Structuring win-win terms without confusing the seller (30:00) Turning other people's dead leads into cash-flowing deals (33:00) A real-life example of a 3.25% assumable note that doubled the offer price (37:00) The books and mindset that keep Joe & Jenn sharp and unstoppable Who This Episode Is For: Investors frustrated with rising interest rates and tight lending standards Newer buyers who want to learn creative deal structures that actually close Self-storage owners looking for smarter, tax-friendly exit strategies Why You Should Listen: Because creative finance isn't just a buzzword, it's the difference between chasing deals and creating them. Joe and Jenn don't just talk theory; they've lived it, scaled it, and built freedom with it. If you've ever felt stuck trying to make a deal pencil out, this episode will show you how to shift your mindset, speak the seller's language, and unlock opportunities others walk right past. Follow Alex Pardo here: Alex Pardo Website: https://alexpardo.com/ Alex Pardo Facebook: https://www.facebook.com/alexpardo15 Alex Pardo Instagram: https://www.instagram.com/alexpardo25 Alex Pardo YouTube: https://www.youtube.com/@AlexPardo Storage Wins Website: https://storagewins.com/ Have conversations with at least three to give storage owners, brokers, private lenders, and equity partners through the Storage Wins Facebook group. Join for free by visiting this link:  https://www.facebook.com/groups/322064908446514/  

It's always a fun time to try a NEWER offering for the ZX Spectrum. Old Tower was released seven or so years ago, and with MANY ports around, the Spectrum was the lead platform. Join Amigo Aaron and THE BRENT as we zip around the tower and marvel at the sites. This game placed 3rd in a programming contest...find out how high we place it this week on Our Sinclair 126!

In this episode of Derms and Conditions, host James Q. Del Rosso, DO, welcomes Patti Farris, MD, associate clinical professor of dermatology at Tulane University, for a timely conversation on photoprotection and sunscreen. As new concerns surface among patients, they provide an up-to-date perspective on UV exposure, formulation science, and patient counseling. Dr Farris explains the critical role of UVA radiation, which penetrates deeper into the dermis than UVB and is a major driver of photoaging and skin cancer risk. Unlike UVB, UVA is harder to block because many chemical filters only partially cover this spectrum. She also reviews the controversies surrounding oxybenzone, discussing both endocrine disruption concerns and its debated link to coral reef bleaching, emphasizing the gap between laboratory studies and real-world relevance. The discussion then turns to mineral sunscreens, which have gained popularity amid growing social media skepticism about chemical filters. While they provide strong UVA protection, cosmetic acceptability remains a significant challenge, especially for patients with skin of color due to the persistent issue of white cast. Newer innovations, including the addition of antioxidants, further expand protection by addressing visible light–induced damage. They highlight one example of an advanced formulation that pairs mineral filters with vitamin E to boost UVA defense and improve tolerability across all Fitzpatrick skin types. Finally, they reflect on generational differences in patient counseling. While older patients may prioritize cancer prevention, younger patients often respond more to messaging about photoaging and skin preservation, making it vital to tailor communication strategies. Tune in to the full episode to hear Dr Farris and Dr Del Rosso explore how dermatologists can navigate evolving sunscreen science, address patient concerns with confidence, and make practical recommendations that resonate across age groups and skin types.

NEWER

SummaryIn this episode of How They Lead, Fran, West Peak's in-house EQ expert, dives deep into the nuances of emotional intelligence and generational leadership. From understanding the core components of EQ, addressing the challenges of hybrid work, psychological safety and motivating Gen Z and Gen Alpha, this conversation explores how leaders can adapt their approach to create stronger, more connected teams. Packed with real-world insights and actionable tips, this episode is essential listening for any modern leader navigating a rapidly changing workplace.Key TakeawaysEQ starts with self-awareness and understanding your own triggers, values and emotional reactions before managing others'.Generational differences matter. Newer generations prioritise empathy, honesty, and psychological safety over traditional motivators like money.Hybrid Work requires intentionality as leaders must be more deliberate about connection and team culture.Clear expectations foster trust, not control. Especially when onboarding or managing younger employees.Psychological safety fuels performance. People perform better and innovate more when they feel safe to speak up, fail and be honest.Quiet coasting does not equal laziness. What appears to be disengagement may simply be boundary-setting or a lack of meaningful connection to purpose.Trust must be built early and prevents the need for micromanagement.Pausing is powerful! Taking a moment to reflect before reacting emotionally can lead to better decision-making and stronger leadership.Soundbites"Self-awareness is the foundation of emotional intelligence.""You can't help others unless you understand yourself first.""Clarity isn't micromanagement. It's kindness.""It's not about how safe you think they should feel, but how safe they actually feel.""Every generation thinks the next is lazy, but they just work differently.""Psychological safety is knowing your ideas won't be punished, even if they fail.""Belonging isn't a buzzword. It's the core of engagement.""Pause, reflect and ask: Is this who I want to be in this moment?""Leaders who are disengaged create disengaged teams."Chapters00:00 Understanding Emotional Intelligence02:57 The Importance of Self-Awareness05:58 Hybrid Work Environments08:56 Generational Differences in Work Ethic11:59 Building Psychological Safety in Teams14:57 Motivation and Engagement in the Workplace17:44 Practical Tips for Enhancing Emotional Intelligence Hosted on Acast. See acast.com/privacy for more information.

Want to work directly with me to close more deals? Go Here: https://www.titaniumu.comWant the Closer's Formula sales process I've used to close 2,000+ deals (FREE) Go Here: https://www.kingclosersformula.com/closeIf you're new to my channel my name is RJ Bates III. Myself and my partner Cassi DeHaas are the founders of Titanium Investments.We are nationwide virtual wholesalers and on this channel we share EVERYTHING that we do inside our business. So if you're looking to close more deals - at higher assignments - anywhere in the country… You're in the right place.Who is Titanium Investments and What Have We Accomplished?Over 10 years in the real estate investing businessClosed deals in all 50 states​Owned rentals in 12 states​Flipped houses in 11 states​Closed on over 2,000 properties​125 contracts in 50 days (all live on YouTube)​Back to back Closers Olympics ChampionTrained thousands of wholesalers to close more deals_________________________________With over 2,000 Videos, this is the #1 channel on YouTube for all things Virtual Wholesaling. SUBSCRIBE NOW!    https://www.youtube.com/@RJBatesIII_________________________________RESOURCES FOR YOU:If you want my team and I to walk you through how to build or scale your virtual wholesaling business from A to Z, click here to learn more about Titanium University: https://www.titaniumu.com(FREE) If you want to learn how to close deals just like me, The King Closer, then download the free King Closer Formula PDF: https://www.kingclosersformula.com/close(FREE) Join our exclusive FB group community for real estate investors and wholesalers: https://www.facebook.com/groups/titaniumvault/(FREE) Click here to grab our Titanium fleet free PDF & training: Our battle tested strategies and tools that we actually use… and are proven to work: https://www.kingclosersformula.com/fleetGrab the King Closer Blueprint: My Step by Step Sales Process for closing over 2,000 deals (Only $37): https://www.kingclosersformula.com/kcblueprintGrab Titanium Profits: Our exact system we use to comp and underwrite deals in only 4 minutes. (Only $99) https://www.kingclosersformula.com/titaniumprofitsWant to know what the best markets to wholesale in are? Grab my breakdown of all 50 states here: https://www.titaniumu.com/marketsSupport the show

In this episode of Derms and Conditions, host James Q. Del Rosso, DO, welcomes Dallas/Fort Worth–based dermatologist Todd Plott, MD, for an in-depth discussion on the first extended-release formulation of minocycline approved for rosacea. The conversation begins with a historical look at tetracyclines, tracing back to tetracycline in 1953, doxycycline in 1968, and minocycline in 1971. While traditionally used as broad-spectrum antibiotics, these agents have shown efficacy in rosacea primarily due to their anti-inflammatory activity rather than antimicrobial effects. They review head-to-head clinical data showing that extended-release minocycline, commercially available as Emrosi, significantly reduced inflammatory lesions and improved Investigator Global Assessment scores in patients with moderate-to-severe rosacea, outperforming both modified-release doxycycline and placebo. The trial population averaged 25 papules per patient, demonstrating the robust improvement required for trial success. A key point of discussion is minocycline's narrow therapeutic window. While higher doses have raised concerns about adverse effects such as hyperpigmentation and lupus-like drug reactions, pharmacokinetic data show that extended-release dosing achieves lower systemic exposure with fewer safety issues compared to immediate-release formulations. Dr Plott contextualizes this by noting that dermatology indications require far lower doses than in infectious disease, which helps explain the rationale for the extended-release formulation in rosacea. Tune in to the full episode to learn more about how extended-release minocycline and anti-inflammatory dosing fit into current rosacea treatment options, what the latest evidence shows about its efficacy and safety, and how clinicians can gain refreshed perspectives on this long-standing therapy.

Facilitator: SandhyaTopics:  Is there an IOS update for iPad?;  Issues with the batter number ;  Using old power bricks;  Any opinions on Keynotes on new Phone?;  Anyone notice any issues with layouts?; Comparison of the different Storage accessibility;  Using Screen for unknown callers;   Can you add to an existing Voice is memos?;   Issues with badges now showing numbers;  Issues using with VoiceOver stopping while reading;  What do Badges and banners?;  Any new VoiceOvervoice;  Issues with long text and typos;  Reading articles in the rotor line by line;  Issues with Newer phones and side buttons;  Trying to find the camera button;  How is Mail different in IOS 16;  Is there a way to skip ads in the YouTube app?;  Is there different paid plans for YouTube;  Unable to gethaptics to work;  Using ChatGPT, it keeps bouncing back to the top;  ChatGPT answering too in-depth.  Is there an Caféor workshop on Customizing the lock screen?  Buzz Byte:  Apple Music app, the different plans

Newer studies are showing that almost 2 out of every five adults have some form of liver abnormalities. Dr. Stan tells us how to maintain a healthy liver.

Montana Democrats elected new leaders over the weekend. Newer voices prevailed over stalwart members of the party.

Dr. Kathleen Horst, Dr. Rachel Jimenez, and Dr. Yara Abdou discuss the updated guideline from ASTRO, ASCO, and SSO on postmastectomy radiation therapy. They share new and updated recommendations on topics including PMRT after upfront surgery, PMRT after neoadjuvant systemic therapy, dose and fractionation schedules, and delivery techniques. They comment on the importance of a multidisciplinary approach and providing personalized care based on individual patient characteristics. Finally, they review ongoing research that may impact these evidence-based guidelines in the future. Read the full guideline, “Postmastectomy Radiation Therapy: An ASTRO-ASCO-SSO Clinical Practice Guideline” at www.asco.org/breast-cancer-guidelines" TRANSCRIPT This guideline, clinical tools, and resources are available at www.asco.org/breast-cancer-guidelines. Read the full text of the guideline and review authors' disclosures of potential conflicts of interest in the Journal of Clinical Oncology, https://ascopubs.org/doi/10.1200/JCO-25-01747  Brittany Harvey: Hello and welcome to the ASCO Guidelines podcast, one of ASCO's podcasts delivering timely information to keep you up to date on the latest changes, challenges, and advances in oncology. You can find all the shows, including this one, at asco.org/podcasts. My name is Brittany Harvey, and today I am interviewing Dr. Kathleen Horst, expert panel chair from Stanford University; Dr. Rachel Jimenez, expert panel vice chair from Massachusetts General Hospital; and Dr. Yara Abdou, ASCO representative from the University of North Carolina, authors on "Postmastectomy Radiation Therapy: An American Society for Radiation Oncology, American Society of Clinical Oncology, and Society of Surgical Oncology Clinical Practice Guideline." Thank you for being here today, Dr. Horst, Dr. Jimenez, and Dr. Abdou. Dr. Kathleen Horst: Thank you for having us. Brittany Harvey: And then just before we discuss this guideline, I would like to note that ASCO takes great care in the development of its guidelines and ensuring that the ASCO conflict of interest policy is followed for each guideline. The disclosures of potential conflicts of interest for the guideline panel, including Dr. Horst, Dr. Jimenez, and Dr. Abdou who have joined us here today, are available online with the publication of the guideline in the Journal of Clinical Oncology, which is linked in the show notes. Then to dive into the content that we are here today to talk about, Dr. Horst, could you start us off by describing what prompted the update for this joint guideline between ASTRO, ASCO, and SSO, and what is the scope of this 2025 guideline on postmastectomy radiation therapy? Dr. Kathleen Horst: Thank you. This joint guideline was last updated in 2016. Over the past decade, the treatment of breast cancer has evolved substantially. Newer systemic therapy regimens have increasingly personalized treatment based on tumor biology, and local therapy management has explored both the de-escalation of axillary surgery and more abbreviated courses of radiation therapy. Given these advances, it was important to revisit the role of postmastectomy radiotherapy in this modern era of breast cancer therapy. This updated guideline addresses four key questions, including postmastectomy radiation therapy after upfront surgery as well as after neoadjuvant systemic therapy. It also reviews the evolving role of various dose and fractionation schedules and optimal treatment techniques and dose constraints. Brittany Harvey: Excellent. I appreciate that background, Dr. Horst. So then, next, Dr. Jimenez, I would like to review the recommendations of this guideline across those four key questions that Dr. Horst just mentioned. So first, what does the panel recommend for PMRT for patients who received initial treatment with mastectomy? Dr. Rachel Jimenez: The panel provided pretty strong consensus that patients with positive lymph nodes or patients with large tumors involving the skin or the chest wall should receive postmastectomy radiation. However, the panel also recognized that the omission of postmastectomy radiation may be appropriate for select patients who have positive lymph nodes and have an axillary lymph node dissection if they have a low nodal burden and other favorable clinical or pathologic features. For patients without lymph node involvement at the time of surgery and no involvement of the skin or chest wall, postmastectomy radiation was not advised by the panel. Brittany Harvey: Understood. It is helpful to understand those recommendations for that patient population. Following that, Dr. Abdou, what are the key recommendations for PMRT for patients who received neoadjuvant systemic therapy before mastectomy? Dr. Yara Abdou: When we think about PMRT after neoadjuvant treatment, the key point is that the initial stage of presentation still matters a lot. So for example, if a patient comes in with more advanced disease, say a large primary tumor, like a clinical T4, or more extensive nodal disease, like an N2 or N3 disease, those patients should get PMRT, no matter how well they respond to neoadjuvant therapy, because we know it reduces the risk of recurrence and that has been shown pretty consistently. On the other hand, if there are still positive lymph nodes after neoadjuvant treatment, basically residual nodal disease, PMRT is also strongly recommended because the risk of local-regional recurrence is much higher in that setting. The gray area is the group of patients who start with a lower burden of nodal disease, such as N1 disease, but then become node negative at surgery. For those patients, we tend to individualize the decision. So if the patient is young or has triple-negative disease, or if there is a lot of residual disease in the breast even though the nodes are cleared, then radiation is probably helpful. But if everything has melted away with pCR in both the breast and the nodes, then it may be safe to omit PMRT in those patients. For patients with smaller tumors and no nodal involvement to begin with, like a clinical T1-T2 N0, if they are still node negative after neoadjuvant treatment, then PMRT is generally not recommended because their baseline recurrence risk is low. And finally, if the margins are positive and cannot be re-excised, then PMRT is recommended after neoadjuvant therapy. Brittany Harvey: Yes, those distinctions are important for appropriate patient selection. So then, Dr. Horst, we have just reviewed the indications for PMRT, but for those patients who receive PMRT, what are the appropriate treatment volumes and dose fractionation regimens? Dr. Kathleen Horst: The guideline addresses coverage of the chest wall and regional nodes with a specific discussion of the data regarding internal mammary nodal irradiation, which has been an area of controversy over many years. The guideline also reviews the data exploring moderate hypofractionation, or shorter courses of radiation therapy. The task force recommends utilizing moderate hypofractionation for the majority of women requiring postmastectomy radiation, which is likely to have a large impact on clinical practice. This recommendation is based on the evolving data demonstrating that a 3-week course of radiotherapy after mastectomy provides similar oncologic outcomes and minimal toxicity for most patients compared to the standard 5-week treatment course. Brittany Harvey: Thank you for reviewing that set of recommendations as well. So then, Dr. Jimenez, to wrap us up on the key questions here, what delivery techniques are recommended for treating patients who receive PMRT? Dr. Rachel Jimenez: So this portion of the guideline is likely to be most helpful for radiation oncologists because it represents the most technical part of the guideline, but we do believe that it offers some important guidance that has, to this point, been lacking in the postmastectomy radiation setting. So first, the panel recommends that all patients should undergo 3-dimensional radiation planning using CAT scan based imaging, and this includes contouring. So contouring refers to the explicit identification, using a drawing interface on the CAT scan imaging, by the radiation oncologist to identify the areas that are targeted to receive radiation, as well as all of the nearby normal tissues that could receive unintended radiation exposure. And we also provide radiation oncologists in the guideline with suggestions about how much dose each target tissue should receive and what the dose limits should be for normal tissues. Additionally, we make some recommendations regarding the manner in which radiation is delivered. So for example, we advise that when conventional radiation methods are not sufficient for covering the areas of the body that are still at risk for cancer, or where too high of a dose of radiation would be anticipated to a normal part of the body, that providers employ a technique called intensity modulated radiation therapy, or IMRT. And if IMRT is going to be used, we also advise regular 3-dimensional imaging assessments of the patient's body relative to the treatment machine to ensure treatment fidelity. When the treatments are delivered, we further advise using a deep inspiration breath-hold technique, which lowers the exposure to the heart and to the lungs when there is concern for cardiopulmonary radiation exposure, and again, that image guidance be used along with real-time monitoring of the patient's anatomy when those techniques are employed. And then finally, we advise that patients receiving postmastectomy radiation utilize a bolus, or a synthetic substance placed on the patient's skin to enhance radiation dose to the superficial tissue, only when there is involvement of the skin with cancer or other high-risk features of the cancer, but not for every patient who receives postmastectomy radiation. Brittany Harvey: Understood. And then, yes, you just mentioned that section of the guideline is probably most helpful for radiation oncologists, but I think you can all comment on this next question. What should all clinicians, including radiation oncologists, surgical oncologists, medical oncologists, and other oncologic professionals, know as they implement all of these updated recommendations? Dr. Rachel Jimenez: So I think one of the things that is most important when we consider postmastectomy radiation and making recommendations is that this is a multidisciplinary panel and that we would expect and encourage our colleagues, as they interpret the guidelines, to employ a multidisciplinary approach when they are discussing each individual patient with their surgical and medical oncology colleagues, that there is no one size fits all. So these guidelines are intended to provide some general guidance around the most appropriate techniques and approaches and recommendations for the utilization of postmastectomy radiation, but that we recognize that all of these recommendations should be individualized for patients and also represent somewhat of a moving target as additional studies, both in the surgical and radiation oncology realm as well as in the systemic therapy realm, enter our milieu, we have to adjust those recommendations accordingly. Dr. Kathleen Horst: Yeah, I would agree, and I wanted to comment as a radiation oncologist, we recognize that local-regional considerations are intertwined with systemic therapy considerations. So as the data evolve, it is critical to have these ongoing updates in a cross-disciplinary manner to ensure optimal care for our patients. And as Dr. Jimenez mentioned, these multidisciplinary discussions are critical for all of us to continue to learn and understand the evolving recommendations across disciplines but also to individualize them according to individual patients. Dr. Yara Abdou: I could not agree more. I think from a medical oncology perspective, systemic therapy has gotten much better with adjuvant CDK4/6 inhibitors, T-DM1, capecitabine, and immune therapy. So these are all newer adjuvant therapies, so the baseline recurrence risks are lower than what they were in the trials that established PMRT. So the absolute benefit of radiation varies more now, so smaller for favorable biology but still relevant in aggressive subtypes or with residual disease. So it is definitely not a one-size-fits-all. Brittany Harvey: Yes, I think it is important that you have all highlighted that multidisciplinary approach and having individualized, patient-centric care. So then, expanding on that just a little bit, Dr. Abdou, how will these guideline recommendations affect patients with breast cancer? Dr. Yara Abdou: So basically, reiterating what we just talked about, these guidelines really move us towards personalized care. So for patients at higher risk, so those with larger tumors, multiple positive nodes, or residual nodal disease after neoadjuvant therapy, PMRT remains essential, consistently lowering local-regional recurrence and improving survival. But for patients at intermediate or lower risk, the recommendations support a more selective approach. So instead of a blanket rule, we now integrate tumor biology, response to systemic therapy, and individual patient factors to decide when PMRT adds meaningful benefit. So the impact for patients is really important because those at high risk continue to get the survival advantage of radiation while others can be spared the unnecessary treatment and side effects. So in short, we are aligning PMRT with modern systemic therapy and biology, making sure each patient receives the right treatment for their situation. Brittany Harvey: Absolutely. Individualizing treatment to every patient will make sure that everyone can achieve the best outcomes as possible. So then, Dr. Jimenez, to wrap us up, I believe Dr. Horst mentioned earlier that data continues to evolve in this field. So in your opinion, what are the outstanding questions regarding the use of PMRT and what are you looking to for the future of research in this space? Dr. Rachel Jimenez: So there are a number of randomized phase III clinical trials that are either in active accrual or that have reported but not yet published that are exploring further de-escalation of postmastectomy radiation and of axillary surgery. And so we do not yet have sufficient data to understand how those two pieces of information integrate with each other. So for example, if you have a patient who has a positive lymph node at the time of diagnosis and forgoes axillary surgery aside from a sentinel lymph node biopsy, we do not yet know that we can also safely forgo radiation entirely in that setting. So we expect that future studies are going to address these questions and understand when it is appropriate to simultaneously de-escalate surgery and radiation. Additionally, there is a number of trials that are looking at ways in which radiation could be omitted or shortened. So there is the RT CHARM trial, which has reported but not yet published, looking at a shorter course of radiation. And so we do make recommendations around that shorter course of radiation in this guideline, but we anticipate that the additional data from the RT CHARM study will provide further evidence in support of that. Additionally, there is a study called the TAILOR RT trial, which looks at forgoing postmastectomy radiation in patients who, to Dr. Abdou's point, have a favorable tumor biology and a low 21-gene recurrence score. And so we are going to anticipate the results from that study to help guide who can selectively forgo postmastectomy radiation when they fall into that favorable risk category. So there are a number of questions that I think will help flesh out this guideline. And as they publish, we will likely publish a focused update on that information to help provide context for our colleagues in the field and clarify some of these recommendations to suit the latest data. Brittany Harvey: Absolutely. We will look forward to those de-escalation trials and ongoing research in the field to build on the evidence and look for future updates to this guideline. So I want to thank you for your work to update these guidelines, and thank you for your time today, Dr. Horst, Dr. Jimenez, and Dr. Abdou. Dr. Rachel Jimenez: Thank you. Dr. Yara Abdou: Thank you. Dr. Kathleen Horst: Thank you. Brittany Harvey: And then finally, thank you to all of our listeners for tuning in to the ASCO Guidelines podcast. To read the full guideline, go to www.asco.org/breast-cancer-guidelines. You can also find many of our guidelines and interactive resources in the free ASCO Guidelines app, which is available in the Apple App Store or the Google Play Store. If you have enjoyed what you have heard today, please rate and review the podcast and be sure to subscribe so you never miss an episode. The purpose of this podcast is to educate and to inform. This is not a substitute for professional medical care and is not intended for use in the diagnosis or treatment of individual conditions. Guests on this podcast express their own opinions, experience, and conclusions. Guest statements on the podcast do not express the opinions of ASCO. The mention of any product, service, organization, activity, or therapy should not be construed as an ASCO endorsement.  

Statin Myopathy   Guest: Stephen Kopecky, M.D. Host: Sharonne Hayes, M.D.   Statins are very helpful to lower LDL cholesterol and subsequently lower cardiovascular risk.  Studies of statins have excluded subjects that are statin intolerant which is usually due to muscle symptoms such as aches, called myalgias, muscle cramps, or weakness.  One of the most significant predictors of statin intolerance is the dose -the higher the dose, the more likely to develop intolerance.  Accepted in recommended ways to minimize intolerance is to use generic combination therapy with a lower dose statin and a cholesterol absorption inhibiting agent such as ezetimibe.  Newer agents such as PCS K 9 inhibitors and inclisiran, both given subQ, and bempedoic acid may reduce statin muscle symptoms.   Topics Discussed: Is any statin more or less likely to cause statin associated muscle symptoms? Are there any protective medications that can minimize statin myalgias? What newer non-statin agents have been shown to reduce risk of myalgias? How is treating high cholesterol levels becoming more like treating blood pressure?     Connect with Mayo Clinic's Cardiovascular Continuing Medical Education online at https://cveducation.mayo.edu or on Twitter @MayoClinicCV and @MayoCVservices. LinkedIn: Mayo Clinic Cardiovascular Services Cardiovascular Education App: The Mayo Clinic Cardiovascular CME App is an innovative educational platform that features cardiology-focused continuing medical education wherever and whenever you need it. Use this app to access other free content and browse upcoming courses. Download it for free in Apple or Google stores today! No CME credit offered for this episode.   Podcast episode transcript found here.

Protecting Your Body from EMF: The Hidden Threat to Longevity Over 40Click On My Website Below To Schedule A Free 15 Min Zoom Call:www.Over40FitnessHacks.comOver 40 Fitness Hacks SKOOL Group!Get Your Whoop4.0 Here!Arthur - CEO of HAVN - EMF Clothingwww.havnwear.com15% Off Discount Code: OVER40Social Media: @HAVNWEARArthur, founder of HAVN (pronounced "Haven") Clothing, joined the show to raise awareness around EMF (electromagnetic field) radiation, which is emitted from everyday electronics like phones, Wi-Fi routers, smartwatches, and even microwaves. Though not widely discussed, EMFs have been classified by the World Health Organization as a Class 2B possible carcinogen and are linked in over 2,000 studies to issues like:DNA damageNeurological disordersSleep disruptionCardiovascular diseaseFertility problemsArthur's background in biology and engineering, plus personal experiences with illness in his family, led him to explore the health risks of EMF exposure and design protective clothing through HAVN.As technology evolves (especially with 5G and 6G), EMF exposure is increasing. Newer tech requires more antennas and emits stronger frequencies, especially in urban areas and smart homes filled with connected devices.Even wearables like fitness trackers (e.g., WHOOP) and cell phones—due to proximity—may be worse offenders than Wi-Fi routers. EMFs are likened to pollution: invisible, everywhere, and cumulative in their effects over time.Arthur emphasizes reducing exposure, especially during sleep (1/3 of your life!), as a powerful first step. His top free or low-cost tips:Put your phone on airplane mode or keep it out of the bedroom at night.Turn off your Wi-Fi router overnight (via timer plug if necessary).Avoid sleeping with wearables like WHOOP or smartwatches.Keep devices off your body when not in use.Use EMF meters (offered by HAVN) to detect high-emission areas in your home.Arthur developed HAVN Clothing (spelled HAVN, removing “EMF” from “haven”) to shield essential organs from EMF without compromising modern life. Their proprietary WaveStopper fabric blocks 99.7% of EMFs (400 MHz–40 GHz) using silver fiber mesh.Available products include:PajamasUnderwearHats and beaniesGaiters for thyroidBlanketsHoodies for travelThese are particularly helpful for people living in apartments or dense urban environments where community EMF exposure is high. For beginners, Arthur recommends starting with headwear, underwear, and sleepwear to protect the most vulnerable organs during sleep.If you're interested in online personal training or being a guest on my podcast, "Over 40 Fitness Hacks," you can reach me at brad@over40fitnesshacks.com or visit my website at:www.Over40FitnessHacks.comAdditionally, check out my Yelp reviews for my local business, Evolve Gym in Huntington Beach, at https://bit.ly/3GCKRzV

Richard Patrick opens up about re-releasing Filter's 'The Algorithm,' starting his own label and what's next for his band.

Welcome back my friends to AA Recovery Interviews. I'm your host, Howard L. and I'm an alcoholic, sober since January 1, 1988, one day at a time. I'm grateful you've joined us. AA Recovery Interviews is the podcast where Alcoholics Anonymous members from around the world share their timeless and extraordinary stories of experience, strength, and hope. There are over 180 interviews in this podcast series, all of which you can enjoy on aarecoveryinterviews.com and all podcast apps. As disturbing as some personal stories can be, most take place before sobriety. But in the case of today's guest, Ted O., the worst of the worst happened at nearly ten years into the 42 years of sobriety. For it was on a mostly deserted road in rural Mexico that Ted and another AA friend were way-laid by three modern-day banditos. After being robbed, Ted was tied up and forced to lay in a ditch, while three shots rang out from across the road. Fearing he was the next to die, Ted was surprised when the murderers drove off, only to return to finish the job. The outlaw with the Glock fired two bullets into Ted's torso. A third slug missed his head by inches. Being a gun owner himself, Ted diagnosed a jammed cartridge while he waited for the fatal shot… Rather than make this intro a teaser for a true crime podcast, I'll let Ted finish the story. And, as remarkable as Ted's story is, what's more remarkable is that he stayed sober in the midst and aftermath of a horrible situation in which less-grounded alcoholics might have drank. At 82 years of age and 42 years sober, Ted's testimony is chock full of experiences, both good and bad, that many long-term members will identify with. Newer members may find parts of his incredible story hard to believe, but nevertheless, it is true. No matter where you are on AA's road of recovery, I feel you will be enriched by Ted's  story. It's the latest of over 180 interviews in the AA Recovery Interviews podast series. So put please enjoy the next hour with my long-time friend and AA brother, Ted O. If you've enjoyed my AA Recovery Interviews series, have a listen to “Alcoholics Anonymous: The Story of How More Than One Hundred Men Have Recovered From Alcoholism”. This is the word-for-word, cover-to-cover reading of the First Edition of the Big Book, published in 1939. It's a comfortable, meaningful, and engaging way to listen to the Big Book anytime, anyplace. Have a free listen at Audible, Apple Books, or Amazon.  I also invite you to check out my latest audio book, Lost Stories of the Big Book, 30 Original Stories Missing from the 3rd and 4th Editions of Alcoholics Anonymous. It's an engaging audiobook I narrated to bring these stories to life for AA members who've never seen them. These timeless testimonials were originally cut to make room for newer stories in the 3rd and 4th Editions. But their vitally important messages of hope are as meaningful today as when they were first published. Many listeners will hear these stories for the first time. Lost Stories of the Big Book is available on Audible, Amazon, and Apple Books. It's also available as a Kindle book and in Paperback from Amazon if you'd like to read along with the audio.

In this episode of Sailing and Cruising the East Coast of the United States, Bela Musits and co-host Mike Wasserman welcome Robert Sweet — a sailor with an unconventional beginning. Robert lives in Pittsburgh, Pennsylvania, far from the ocean. Yet his passion for sailing grew steadily, from childhood outings on a 19-foot O'Day Day Sailer to charting trips in the Virgin Islands.Bela and Robert dive into the unique challenges and rewards of becoming a boat owner later in life. Robert shares how he and his wife — both in their 60s — transitioned from occasional day sails on vacation to seriously planning for boat ownership. Their journey began with modest sailing experiences with the occasional skippered day sail. Over decades, the idea of owning a boat evolved from a casual dream into a concrete goal.To prepare, Robert and his wife booked progressively more immersive sailing experiences. They spent a night aboard a sailboat on Puget Sound, completed ASA 101 and 103 courses in San Diego, and tested overnight stays in various harbors. Each step helped fill gaps in their knowledge.The couple planned two key charters to shape their buying decisions: a three-day trip in the Florida Keys aboard a heavy, blue-water center-cockpit boat, and a week in the Virgin Islands on a modern production cruiser — a Jeanneau Sun Odyssey. Their goal was to compare styles, comfort, and performance before committing to a purchase.But as often happens, life intervened. The Florida Keys trip was postponed three times — first by Robert's mountain biking injury, then by his wife's back surgery, and finally by scheduling changes. Eventually, they made the Keys trip in December, followed by the Virgin Islands charter over Easter.During the downtime, Robert immersed himself in research — online articles, boat buying guides, and, crucially, sailing podcasts. He discovered Bela's show and was struck by the host's perspective as an “older buyer.” Unlike the typical narrative of a 30-year-old dropping everything to sail away, Bela's discussions addressed the practical realities of starting serious sailing later in life: ergonomics, safety, injury prevention, and choosing a boat suited to physical comfort.Robert emphasizes that boat accessibility is a real concern. Newer boats often have higher freeboards, making boarding a challenge — especially for shorter crew members. Testing boarding methods became part of their evaluation process when visiting marinas and inspecting potential boats.Robert's story is a reminder that you don't have to grow up near the sea to become a competent and passionate sailor. His methodical approach — gaining experience in varied conditions, learning boat systems, and realistically assessing personal capabilities — offers valuable lessons for anyone considering buying a boat later in life.Key Topics Covered in This Episode:Growing up sailing small boats and rediscovering the sport decades laterTransitioning from day sails to overnight trips and multi-day chartersTaking ASA sailing courses to build confidence and competenceComparing blue-water cruisers vs. modern production boatsOvercoming physical and logistical challenges as older sailorsHow to evaluate boarding ease, cockpit layout, and overall ergonomicsThe importance of testing boats in different sailing locations and conditionsWhether you're an experienced sailor, a dreamer still waiting to cast off, or someone returning to sailing after many years, Robert's journey proves that passion and persistence can bridge the gap between landlocked life and cruising the Bahamas.Connect With Us:If you enjoyed this episode, please subscribe and leave a review—it helps us reach more sailing enthusiasts like you!  Send us your comments and suggestions. sailingtheeast@gmail.comHappy Sailing!Bela and Mike

Commentary by Dr. Jian'an Wang.

Todd Drowlette, a commercial real estate broker with over $2 billion in closed deals, joins to discuss his upcoming A&E show, "The Real Estate Commission," which premieres October 12.  Todd emphasizes that commercial real estate is "a trillion dollar industry hiding in plain sight."  He points out that people interact with commercial real estate every day - when they go to a grocery store, coffee shop, gas station, or office building - without consciously thinking about it.  Commercial real estate loans are about to face a major challenge, with many 5-year loans needing refinancing at much higher interest rates, potentially creating significant market opportunities for investors. Check out the "The Real Estate Commission" show on A&E starting October 12th. Resources: Follow Todd Drowlette on Instagram at @bettertalktoTodd and check out Real Estate Commission Show Notes: GetRichEducation.com/569 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE I'm your host. Keith Weinhold, why is that convenience store, gas station or coffee shop located on that exact corner that it's on? It's strategic, and how does a deal like that really get negotiated? We're discussing this and more with an A and E television and streaming star today on get rich education   Keith Weinhold  0:28   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Speaker 1  1:14   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:30   Welcome to GRE from Sudbury, Ontario to Sudbury, Pennsylvania, and across 188 nations worldwide, you're listening to one of America's longest running and most listened to real estate investing shows this is Get Rich Education. I'm your host. Keith Weinhold, how did that ever happen? Here I am more slack jaw than a patient in a dentist's chair. But back with you for the 569th consecutive week. Anyway, this is the time of year where many people have just gone back to school. Here at GRE you go forward to school as you learn about what's really going to make a difference and move the financial meter in your future. Now, the world's best known negotiators include Mahatma Gandhi and Nelson Mandela today, the former FBI agent Chris Voss is perhaps the world's best known negotiator. You'll recall that we've hosted Chris Voss on the show twice here and talked a good bit about real estate negotiation. Then, I mean, who can forget my mock negotiation with him over a four Plex building, which played out right here on air. It was obvious who won that debate, but Chris is an all around negotiator, not specific to real estate. I thought, wouldn't it be great to get sort of a Chris Voss, but specific to real estate here on the show for you, and that's what we're doing today. So you're really going to enjoy this week's guest. He's also the star of a real estate reality show on the A E Network that's going to make its big, flashy debut next month. Now I had a small negotiation, I suppose, over email with one of my property managers in Florida recently, yeah, I got an email from my manager saying that an air conditioning unit needed to be removed and replaced in one of my single family rental properties there in Florida. Attached was a quote that they obtained from a company for $6,350 and there's conveniently a button for me to hit to approve this charge. But I did not hit the Approve button on that 6350, price. I requested that they provide me with two more quotes. And yes, remember, you pay your property manager often eight to 10% of the monthly rent in management fees they are working for you. So what are they working on to earn that make them go to work and do this for you? All right, for substantial work items, it's a reasonable request for you to seek three quotes. And all right, while they were tracking down the two other quotes, I went to AI. I asked chat GPT, what should the cost be to remove and replace an air conditioner in a 1500 square foot home in Florida? Chat GPT answered, 5500 to $7,500. For a standard three ton system in a 1500 square foot home. All right, so the first number the manager gave me that was sort of right in the middle of that range. A few days later, the second quote came in at 6150, all right, 200 bucks less than. The first one, I replied to them that if the third one doesn't come in substantially lower, that I am going to go seek quotes myself. A couple days later, the third and final quote came in, and it was 4990, yes, so I accepted it. This is about $1,300 less than the first quote that they gave me just for returning a few emails, and it will make the tenant happy to have a new air conditioning system. Newer systems tend to be more efficient, so it's probably going to make the tenant's electricity bill lower as well, and it probably makes it easier for me to justify future rent increases too. That tenant's been there for quite a few years. I'm thinking six years, and today's low home buyer affordability is probably going to keep them renting for a while. And the other thing that could keep them there longer is a new air conditioning system, and that is the biggest rental property expense, or the most I even had to get involved in quite a while, because remember, at GRE marketplace, almost every property there is either brand new or completely renovated. Your cap x expenses should be small for years. Let's meet this week's featured guest.   Keith Weinhold  6:31   Have you ever wondered why that coffee shop is on that corner that they're on, or why your grocery store is located just where it is? And how do those deals get negotiated? That's what you'll see on an upcoming new series on A and E. It starts October 12. It's called The Real Estate Commission. There are no scripts. The show captures real life deals as they unfold, as they crumble and fall apart and maybe come back together again. The star of that show is with us today. He believes he will tell you that he's the most prolific commercial real estate broker in the nation, and he has the experience and the gravitas to back that up, because he brings over two decades as a broker, and he's the managing director at Titan commercial Realty Group in New York. He's closed more than 1700 deals. Yes, 1700 deals totaling over $2 billion across the commercial real estate sectors. He's represented everyone from local startups to national REITs. Hey, welcome to get rich education, Todd Drowlette   Todd Drowlette  7:36   thank you, and that was quite the introduction. I don't think I could pop up myself.   Keith Weinhold  7:40   You've got a full interview is worth the time here to live up to that. Todd, you know, more than 10 years ago, I started living this life where it seems like everything that I say gets recorded and uploaded to the internet, and now you're gone down that same road similar to that. Tell us about your forthcoming reality TV and streaming show that starts next month. What can viewers really expect to see?   Todd Drowlette  8:04   There's over 100 shows on national TV about slipping houses, renovating houses, residential brokers. Ours is the first show ever on television to feature commercial real estate and to be entirely about commercial real estate. So it's a docu series. It's an there's eight episodes in the season. It follows my team at Titan and I doing actual real deals, from helping a divorce attorney search for new office space to investors to selling multi family properties. So viewers will be able to kind of see behind the scenes and see actual documented deals as they happen, fall apart, come back together again. I'm hoping the viewers will take away the fact that, yes, you have to be sophisticated and understand what's going on, but it's something that the average person can be involved in. Commercial real estate is a trillion dollar industry hiding in plain sight. You know, people go to the grocery store, like you said, they go to the coffee shop, they go to the gas station, they go to their office building. People use and interact with commercial real estate every single day. It's just like the air. You're not consciously thinking about it, even though you're using it almost every moment of the day,   Keith Weinhold  9:10   right? It's something that we all need and interact with. It's almost non discretionary, whether we're buying something at a retail store or filling up at a gas station? Yeah, I think to some people, commercial real estate sounds unapproachable. And as you watch this series, you're thinking, Oh, that's the life that that somebody else lives. It's really not that unapproachable. Does this series really help break that down?   Todd Drowlette  9:36   It does, and we made a very conscious decision. So I represent some very large corporations, but the series follows like smaller business and entrepreneurs, and seeing kind of people from the beginning or in different transitions of their business, like I'm growing but you're seeing in real life, actual successful business people. You're seeing them to react to real situations and that kind of moment where there. Like, Man, I think I'm ready to grow and expand. But what if I'm wrong? What if the economy turns Am I doing the right thing? And you're kind of watching us guide them through that process. But you see, you know so much of the internet is reception and people going, Oh, look at this. Look how successful I am. This. You're seeing successful people, and knowing that there's no guarantee in life like the best you're ever going to make is a calculated decision. But there's no point where your life where you're so successful that it just doesn't matter if you lose. Like the deals get larger and the stakes get higher, and every decision you make is potentially a pitfall. So you're going to see real entrepreneurs and real business executives dealing with those decisions of, when do I move? Do I invest? Do I buy? You know, I have this property, I need to get rid of it, and what's that process look like? I love commercial real estate. I can go on, on about it. What I'll be really excited to see is if the everyday person finds commercial real estate interesting,   Keith Weinhold  10:54   doers don't wait for uncertainty to abate, or else they would never get anything done. Doers educate themselves and make strategic moves despite the uncertainty and Todd shortly, I do want to ask you more about negotiation and just how that coffee shop gets that prime corner spot, if you will. But first dropping back a bit more introspective, I know that some have called this the series that launched five new real estate careers already. So how transformative is this? Personally for you to do this show, besides making mom proud, it probably changes how others think of you and how you think of yourself.   Todd Drowlette  11:32   Well, my mom thought I was nuts to national television, but she's proud, but thinks I'm crazy and she's probably not wrong. How this whole thing came about was we had a show also called The Real Estate Commission, that was on Facebook watch that we averaged about 1.3 million views per episode. The premise of that show that was also called The Real Estate Commission, was, Can four successful real estate brokers take just anyone off the street and turn them into the next 100 million dollar real estate agent. It was two commercial brokers, two residential brokers. When covid happened, I said to Brandon in my office, who's part of the cast of the show, on a I was, you know, looking back now, we know how covid played out, but at the time, it was like they made the announcement, I'm somebody who works 80 hours a week, and I'm looking at potentially, could we be a year with not working and doing nothing. So I'm like, we really need to do something to market. I go, why don't we do a reality show about real estate? And he's like, What in the hell do you know about producing a TV show? I go, well, nothing, but the whole world stopped. There's got to be people. We must know, people in TV who might be sitting at home and might be willing to help produce the show. And he started laughing. He goes, Well, actually, one of my college roommates is high up at Viacom, so we called him, and we put together a whole production team of 50 people in the middle of covid, put out a casting call and filmed the show, and it did really well. And then we kind of went around to the networks and made a deal with a E, but with A and E, I really wanted to show off commercial real estate and kind of show it to the average person and show them, hey, here's this thing that people can participate and be a part of. And it's a super interesting industry because, like, when I was 22 I was the youngest exclusive Starbucks broker in the country. So have you said that coffee shop that ends up in the corner? I was the guy that, you know, Starbucks would run their software and say, you run traffic counts that are available on, you know, state, D, o, t websites. People don't realize when you're driving down the road and you see the rubber thing goes, that's actually either a traffic engineer or the state, and they're seeing how many cars a day, but they're also tracking to the hour on which side of the road. So like, why is McDonald's on the pm side of the road? Or why is Starbucks or Duncan or seven brew coffee? Why are they on the am side of the road? Because they know, looking at the traffic patterns, who's going where. So when we would negotiate a deal like that, they would say, Hey, here's the target markets we want to be in. I was the boots on the ground, so to speak. That says, Okay, let me look up the tax records and let me look up the tax maps. I know they need three quarters of an acre to an acre to fit on. They want to be at a traffic light. We need this many cars per day. Hey, it's great. If we're across the street from a university or a hospital or a major office park or a grocery anchored shopping center. Can we get out in the out parcel? There's a deal structure to it, and then you negotiate the rent and how much tenant improvement dollars, or what contributions the landlord is going to make to the deal. And that's kind of how we identify, you know, locations and negotiate. And as a broker, I get paid a percentage of that overall lease value or a sales transaction,   Keith Weinhold  14:36   well, talking about making decisions in the face of uncertainty. I mean, there it is. Case in point, you put together the architecture of a show like this during the pandemic, during the height of uncertainty. That was a really interesting thing that you said when you talk about how, for example, you probably do want to have a coffee shop located, I would imagine when you're in bound on the right. Side of the road there sort of for am traffic, 100%   Todd Drowlette  15:05   the same reason, like restaurants that are more dinner based business, businesses will be on the pm side the afternoon drive home. Or liquor stores typically like to be on the pm side of the road because people are going home, they pop in and just continue on their way home,   Keith Weinhold  15:20   right? That makes total sense to me. Todd, you do have this great command of real world negotiation tactics, helping to be sure that those prime locations, sort of like we just described, play out and happen from this $2 billion in closed deals, which is a remarkable figure. I'm sure a lot of it has to do with who you work with, who you're negotiating with. Trump was negotiating Manhattan real estate deals, and now that's pretty different, as he's trying to broker a ceasefire agreement among foreign nations. So you've got all these stories, from working with small business owners to multinational brands. So can you tell us about how who you work with changes your approach?   Todd Drowlette  16:04   You have to always know what your goal is, and the more research you know about who you're negotiating with, and the more you understand them, the better you're going to do right. Sometimes winning in negotiation is about winning. Sometimes winning in negotiation is just about not losing so sometimes I have clients that say, Get me that particular piece of real estate. I don't care what it costs me. Just get it under any circumstances. I don't care you have I have other clients like, I represent a clothing chain that's like, similar to a TJ Maxx or Marshalls. They've been around 40 years, called label shopper. They're in secondary and tertiary markets all over the country. They are very inexpensive, and they pay very low rent, and they're opportunistic. So the approach for every single deal is completely different on depending what the person's trying to do, but the tactics always the same. I always try to, as a broker, you're in the middle, so I'm always trying to figure out what are the actual deal breakers and what's motivating this side that side, and then you meet somewhere in the middle. And I try to do deals where nobody feels like you bend them over a barrel, you know, and they have a vendetta for 20 years, because it's a very small world in a very long life. So if you really stick it to somebody to the point where they hate you over it, you don't know what's that deal next week or 20 years from now that you really need and find out that person is the kid of the person you really stuck it to, and now, all of a sudden, that deal you need comes back to haunt you from the deal that you won 20 years ago. So I try to like, let people keep their pride intact, and there's a lot of like for just general negotiations. A lot of people negotiate against themselves without even realizing it. So most people fear silence, and I always say, whoever talks first loses. So if I throw out like a number, like if you were selling me something, and I said, I think my top number is $100,000 I will not speak until the other person speaks, because most people are afraid of silence. And if I throw that number out, I'm gonna go, Oh my God, he's not responding. That number is too low, and I'm instantly gonna go, well, maybe I could pay 120 or maybe I could pay 150 I've seen people do it a million times. So when I'm negotiating against people, whatever they say to me, I never respond until they talk a second time, because I wanna see how much line there is in that run before it gets to the end, and whatever number they stop at, that's where the negotiation starts. And so many people do that. They just negotiate against themselves, unintentionally   Keith Weinhold  18:31   get comfortable with silence. Oh, you just brought up so many good points there. Todd, such an important one in negotiating. You sort of touched on it is that successful negotiation is finding out what the other side wants. I might be willing to pay you full price if you give me my timeline, say you get me to the closing table in 30 days rather than 90. So terms often mean more than price. So can you speak more about how to find out what the other side wants and making sure they actually get it while still getting what you need.   Speaker 2  19:03   It depends on person. I mean, generally, this crazy and dumb of an answer as it sounds, is I just ask anyone who's blooming knows I'm a very direct person. If I won't ask you on Monday morning, how was your weekend, if I don't sincerely care how your weekend was, I'm very much a get to the point type of guy, and I find in negotiating, unless I know the person in advance, or I've done research, that there's somebody who likes to circle the wagons and go around I'm kind of a very direct right to the point kind of person. So I'll say, listen, here's things that are important to my client, what's important to you, and let me see if we can work something out that either we both can mutually agree upon and feel good about or if we can't get a deal done, I always say, I'll take a quick no over a long maybe any day. I find most people will tell you like it kind of throws people off, because most people are slick and sly, and they kind of like circle the wagons. I think people, if they like my personality, they'll find it refreshing, because whatever I say or mean is what really what I say or mean, I'm not hiding anything. So when I say, Listen, I have a client. This is what they want. Can we get this done? You'd be amazed when you're candid with people, how directly candid most people are, because it kind of throws them off, and they don't really have any choice but to be honest   Keith Weinhold  20:17   yeah, how weird this guy actually says what he means. It means what he says. A lot of people really aren't used to that type of approach. You're listening to get rich education. We're talking with the star of the upcoming A E show the real estate commission. Todd Drowlette, more, when we come back, I'm your host. Keith Weinhold    Keith Weinhold  20:35   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Chaley Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com. You know what's crazy?    Keith Weinhold  21:08   Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds, just sitting there doing nothing. Check it out. Text family. 266, 866, to learn about freedom family investments, liquidity fund again. Text family to 66 866,   Robert Helms  22:16   Hi everybody. It's Robert Ellens with the real estate guys radio program. So glad you found Keith Weinhold and get rich education. Don't play your Daydream.   Keith Weinhold  22:35   Welcome back to get rich Education. I'm your host, Keith Weinhold. We're talking with the star of the upcoming A and E show, Todd Drowlette. He's not shy. He will also tell you that he is the most prolific commercial real estate broker in the entire nation, and it's great to have him here. Todd, I know that through all your dealings, again, 1700 deals, it's put you in between a lot of interesting situations. And it sure isn't always about the numbers. Sometimes it's about the story,   Todd Drowlette  23:06   a very interesting story. So I mentioned earlier that I have a client called label shopper, that's a off price clothing chain. I was doing a deal in Oxford Maine, which is a very small town, and, you know, Central Maine, and I called up this time when fashion bug had gone out of business, and we were taking over closed fashion bugs, and they said, You got to talk to Bob. I didn't know who Bob was. Bob gets on the phone. He was the biggest stone Buster you could ever imagine. I'm negotiating the deal with and talking to him, and I realized the guy kind of just wanted to fight, and he had multiple shopping centers that he wanted us to look at. And I'm like, Bob, we have enough time to get up there. And he's like, Oh no, no. I'll send my helicopter down to millionaire in Albany, New York, and I'll pick you guys up. I'll show you my three shopping centers. I'll have you back in the early afternoon. And the same guy, while he said that was literally arguing over a difference of $5,000 on my commission that I wanted for the deals. And like, I go, I'm like, Bob. So I googled the guy, and then I realized he was a billionaire, and he had founded the NASCAR track in Loudoun, New Hampshire. I said to him, I go, I'm going to say something to him, and I'm not going to speak until he speaks. And I literally go, Bob, give me the difference of the five grand on the fees. I go, stick your helicopter. I go, and I'll drive up. And I literally stared at the clock on my wall for 33 seconds. And then finally, he's like, well, well, all right, I'll give you the money. But if you don't like that, you can go to Plum hell. And I started laughing, and I said, Okay, I go. I'll call you on Monday. So I call him up on Monday. Okay, Bob, we're gonna take the deal. We're gonna we'll drive up. And he's like, No, you sob. He's like, I'm sending the helicopter anyway. It's gonna pick you up tomorrow at 9am we end up flying up to his huge estate in Lake Winnipesaukee. We land in this like, looks like Beverly Hills, manicured garden. This guy walks up to me with his son, gets in the helicopter. After he looks at my client, Peter and I, and goes, which one of you two is Jesse? I go, Jesse, I'm like, I'm Todd, and he's Peter. He goes, No, Jesse, James robbing me blind on the commission. We birthed out laughing, and then we were friends ever since, unfortunately, he died recently, but he was, like, the most fascinating, coolest guy I met him. He was in his mid 70s. He went into his 80s, but he was literally a self made guy that, you know, grew up in Connecticut on a tobacco farm. Parents had no money, you know, never went to college, and just the most fascinating guy he could decide on a deal on the back of a napkin with a pencil he always kept in his pocket. So you never know in the world, like who you meet and who you're going to become friends with, and that's just funny stories of really fascinating, interesting people I met in very unlikely places,   Keith Weinhold  25:51   amazing. You just don't know everyone's story when you first meet them. 100% Todd, a lot of your experience has given you insight on how to help develop some of the best real estate technology in order to make deals more efficient. For example, I know you developed a software platform that's soon launching that competes with costar and LoopNet. So tell us more about what you're doing in the real estate technology space and about trends there.   Speaker 2  26:18   So we have software that's the same name as the show the realestatecommission.com it's kind of a category killer. So very, very low monthly price. People can post properties. They can search commercial properties. There's blogs so you can follow up and learn you know about commercial real estate. You can find traffic counts that we referenced earlier. You can run demographic reports and say, Hey, in this particular block, or from this street over to this river, or in one mile or three miles or five miles, how much money does the average person have? What are median incomes? What race are they? What's their education levels? That's all information that exists in the public domain, but software companies charge a fortune for it, even though it's public information. Just to aggregate it, we've put all the information, and we want the information to be inexpensive and available to the average user. The other interesting thing about what's happening right now is the larger companies are kind of asleep at the wheel, where you can buy your way to the front of search results in Google and Bing, the amount of daily searches that are going to platforms like chatgpt and other AI search engines is astronomical, and you can't buy your way to the front of those search engines right now. So if you're up on your SEO search engine optimization game, it's like resetting the clock 20 years that you have another chance to bite at the apple to get customers and clients potentially directly in front of you to your platforms. So it's a really exciting time and software right now.    Keith Weinhold  27:46   That's interesting how consumers have shifted away from Google and some of the more conventional search engines, where deep pocketed people and companies can buy their way to the top. So tell us more about really the opportunity there, because that's really interesting.   Todd Drowlette  28:01   So essentially, if you understand so search engine optimization, SEO, if people don't know what that is, that's essentially you can do things to optimize your apps or your websites that allows people it's how the Internet finds you, so to speak. So there's basically ways that you can put in code that aren't complicated things, but you can also specifically submit those things to directly to chat, GPT and the other platforms, and then they go through and they index your site, and again, they're looking at it, going well, what's the most relevant so if you look at how people are searching and what the terms are, you can figure out those terms, and then you can make sure you come up at the top of those search results. And like I said, a lot of the bigger companies in different industries, from residential real estate to commercial real other things, those people rely heavily on just buying their way to the top of search results. And you can't do that right now. And I don't remember the last stat I saw was about 30 days ago, and it was something insane, like 180 million searches a day are being done on just chat. GPT, so that is a huge market that people can get their way to the top of, where you're not competing directly with a big boy, so to speak.   Keith Weinhold  29:11   Yeah, this is a way for you to get found for sure. Todd, dealing with commercial real estate, we know that that entire industry has been subject to these interest rate resets, where in the residential one to four fixed mortgage rate world, we really haven't been so I'd love to know from your perspective, and being this broker that does all this negotiating from your unique vantage point, how have higher interest rates changed things   Speaker 2  29:39    I'm often told To never make predictions, because you can be wrong. I'm somebody who's made calculated risks my entire life, and I'm not afraid of being wrong. The commercial real estate industry, I think, is about to have a coming to God moment that I think we're three to nine months away from, and the reason for that is, unlike residential loans that are 20 or 30 year. Or 15 year mortgages that are self amortizing. Commercial loans typically have a 20 or 25 year amortization, but only a five year term, or sometimes you're lucky, a 10 year term. And what happened was, when covid drove interest rates down, I have some clients that had interest rates that were 2.5 2.8% and the problem with that is interest rates are now over six so we're coming up on that five year period where you could have the same tenants, the same income, the same taxes, same expenses, if you have to refinance in the next three to six months, and those rates don't drop by at least a point, there's going to be blood in the streets like you've never seen. It's going to make the financial meltdown in 2008 2009 look like a walk in the park because you have so many loans. That's why Donald Trump, even though he's a president, that guy is, was and will always be a real estate guy. He isn't saying why he's doing it, but the reason he's pushing for the Fed so much to drop the rate is because commercial real estate is going to get murdered if the rates don't drop by at least three quarters of a point to a point in the next three to six months. That's why you're seeing the heavy pressure from Donald Trump to the Fed, because there's a lot of commercial real estate guys that have been playing musical chairs, and there's one chair for every 10 people when the music stops. So anyone listening who's only been in one to four in that unit, if you're sitting on cash, you're going to have the opportunity to buy small strip centers, you know, small office buildings, smaller properties where you can get your feet wet, where banks are going to be giving these things back, just trying to get out from underneath them. I'm willing to be wrong. I can be the guy who said it. If something drastically doesn't change the next three to six months, you're going to have major defaults. Another thing nobody's talking about is, for the last year, home loans and credit card default rates have been sky high through the roof, which means the economy is strong, as people are acting like the economy is. It's kind of like the emperor's new clothes or new robe. The economy is walking stark naked down the street, and everybody's pretending that it's wearing, you know, fine linens. And I think the rubber is about to hit the road if interest rates don't drop very quickly.   Keith Weinhold  32:04   Tell us how bad you think it will get. For example, nationally, we've seen apartment building values fall 25 to 30% or more, and some certainly not all, but some office buildings fall in value 80% tell us more. How bad will it get? Who will it be worst for?   Todd Drowlette  32:25   So the problem with a lot of commercial loans. So a lot of commercial loans, the banks are lending money to borrowers based on the credit of the leases of the tenants. Like when you own a residential portfolio, they're looking at your credit score, your assets and liabilities, deciding, okay, we're lending you the money and we have recourse. We're gonna come after you if this doesn't work out. There are a ton in commercial real estate of non recourse loans, meaning the only thing I'm risking as the owner is this property and my down payment. If this goes bad here bank, here's the key back. You can't come after me. Personally. You can't affect my more. This is non recourse. So as those large office tenants go bad, or the economy goes bad, and all of a sudden their credit ratings, of those things drop, you're going to have banks left holding the bag to the tune of hundreds of billions, if not a trillion dollars. It's going to be bad,   Keith Weinhold  33:15   and who knows if the banks will get bailed out. I don't really know if that's the right formula, if that's the right example to set there where we publicize losses and privatize gains.   Speaker 2  33:28   I mean, they might argue it worked in 2008 2009 but even if that's the case, you still have a lot of people commercial real estate's driven by ego. So before the the actual foreclosures that can take one to two to three years to finalize out with the court systems. You still will have people doing short sales. So there will be a big opportunity for people to make a leap into commercial real estate. And guys ahead of me that you know taught me the business always said you make money in real estate when you buy, not when you sell. Anytime you can buy $1 for 50 cents, you buy that dollar. So if the market drops, and you know, that's a great location of a great property that has a good roof, has good mechanicals, is in a great location. If that thing was trading for $4 million and you can buy it for 1.5 million today, that's when you buy and then you write it back up. And you know, there's guys like me, I negotiate and broker for a living, so I have an advantage that I can go out and get the tenants and find the tenants. But there's guys that do what I do, and women that do what I do, all over the country. So people can start aligning themselves with local commercial real estate experts. And maybe it's the time that they can say, You know what, maybe I'll buy a 10,000 square foot office building and give it a try. Maybe I'll buy a two or three unit strip center that has a nail salon or a beauty salon or things in it that Amazon isn't going to come along and knock out of business.    Keith Weinhold  34:52   What sectors are going to have the best opportunities?   Todd Drowlette  34:55   I'm heavy, heavy, heavy on office so I'm a big proponent of reading books that are out of college. Be right. So I love reading books that were written interviewing the robber barons, you know, the Rockefellers, the carnegies, but were written at the time they were still alive. And there's one thing, when you go back to like the panic of 1893 or 2001 you can go back and look at all these things that happen, and things are based on cycles. And one thing I can tell you with absolute certainty is the people who don't panic in times of panic when everything drops and falls apart. They're the people that in the shortest window in a two to three year recovery period where that dollar dropped at 50 cents, and it's just coming back to $1 but they bought it at 50 cents. They're the guys in like every 10 or 15 or 20 years that ride a two or three year upscale when everybody else is panicking, that's when they buy the stocks, that's when they buy the real estate, when it's low, and then they ride it back just to normal. It doesn't have to get better, it just has to go back to sea level. And I think that's about to happen in commercial real estate. And I think office is a great market because it's been getting murdered in the headlines since covid, but in any headline, there's always an opportunity, because that scares a ton of people out and people will fire sale stuff because they think it's bad and there isn't bad real estate, there's bad deals. And if you overpay for something, they're the people who get hurt. If you underpay and buy something in a value, you can make deals other people can't, and you don't take the hits the way other people take the hits. People need to be conservative. So many real estate people are like, Oh, put as little cash into the deal. Borrow as much as you can. Highly leverage, leverage deals, leverage deals. And that's fine when it works, but when it doesn't work. You know, people who could have a $50 million net worth that become broke overnight because they never took the money off the table. To me keep some of that money in, pay down your debt and just increase your cash flow and work off the cash flow. That's always been my strategy. I have friends who make a fortune and they live that high life. I like calculated risks, and to me, I never want the bank to be my boss. I like being the boss's bank, and if you owe them too much money, and especially if people cross collateralize loans and say, this is a great property, but let me borrow against it to buy this property and this property, that can be the domino effect when it goes badly all of a sudden now you put all your assets at risk. I always strongly encourage people to not do that and to keep their loans and to keep their assets separate.   Keith Weinhold  37:18   Yeah, loan terms can certainly be more precarious on the commercial side than the residential side, much of it due to fixed versus variable. History doesn't repeat. It often rhymes, and sometimes in some sectors, you want to be that buyer, when the reaction to you buying is like, are you nuts? What are you doing? Maybe office is at that point. Todd, this has been a great chat about negotiation and industry trends and more. Again, the Real Estate Commission, the show on A E debuts October 12, Todd. Do you have any last thoughts, or maybe a call to action for our audience if they want to learn more about what you're up to?    Speaker 2  37:56   Yeah, if they want to visit the realestatecommission.com my instagram handle is at better talk to Todd and at the real estate commission, and the show begins airing on October 12, on a next day streaming. And I think people, if they have interest in real estate, will find this show fascinating, if not at me at better, talk to Todd and tell me what you think of the show,   Keith Weinhold  38:20   Todd. It's been an engaging chat. Good luck on the TV show. It's been great having you here.   Todd Drowlette  38:25   I would love to come back anytime, and thank you so much for having me. I always appreciate your time. And I love the podcast,   Keith Weinhold  38:31   yeah, and I appreciate that Todd is a GRE fan. It's always great to have celebrity listeners like him, but to me, it's just as special to have you as a listener. What a wide ranging conversation between Todd Drolet and I today. It just shows the breadth of his knowledge. And Drolet is spelled D, R, O, W, l, e, t, t, e. You know, these prominent negotiators, including when we had Chris Voss here, they don't have this disposition of some vicious pit bull. Instead, they come off as reasonable. It doesn't feel hard nosed like using well placed silence that Todd talked about today, he's a pragmatist, and even comes off as likable. See if you can feel that, and video helps here, the video of our chat today might be on our get rich education YouTube channel by now, when you drive around, have you wondered about that? Before? You know that was super interesting about how coffee shops are on the am side of the road, meaning, as you're inbound toward a city center, they'd be on the right side a liquor store on the pm side. You've got to think about how humans interact with real estate. For example, a car wash that's best placed on the. Pm side of the road. I mean, most commuters, they don't leave extra time during their morning commute to get their car washed. They don't want to feel rushed. People are more likely to wash their car after work. So it'll be on the right side outbound, which is the pm side. And let's keep in mind too, that the US and Canada, for better or worse, have car centric cultures. So these things matter here more than they would in, say, the Netherlands, the location of commercial real estate. I mean, it comes down to tax maps and traffic counts and income levels in this AMPM side, and some want to be at a traffic light, you're going to get more traffic if it's already stopped or slowed down, is it across from a university or a hospital or a grocery anchor shopping center that makes it more desirable for a location? So really some interesting demographic and economic considerations there. Todd likes office real estate as return to Office. Policies help somewhat with absorption there. It is not accurate to say that office real estate is dead, perhaps permanently contracted. Is more like it, yes, the scenes from another popular show, the office with Dunder Mifflin in Scranton, Pennsylvania. Those scenes are diminished, but they are going to live on. Speaking of popular shows, check out our friend Todd Drolet in the real estate commission starting October 12 on A E, besides being entertained, it might make a daunting topic like commercial real estate feel somewhat more approachable for you. Big thanks to Todd Drolet. As far as listening to get rich education every week, what you've got to do on most platforms to ensure that you don't miss it is be sure to find the Follow button. Hitting follow will get it delivered until next week, I'm your host, Keith Weinhold, don't quit your Daydream.   Speaker 3  42:08   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  42:31   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read. And when you start the letter, you also get my one hour fast real estate, video, course, it's all completely free. It's called the Don't quit your Daydream. Letter, it wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text, gre 266, 866, you    Keith Weinhold  43:47   The preceding program was brought to you by your home for wealth, building, get richeducation.com   

Chuck Todd unpacks the troubling patterns that emerge after every mass shooting, from how the public rushes to confirm their priors to how culture wars are inflamed when a shooter's identity becomes politicized. With the FBI investigating the latest tragedy as a possible hate crime, trust in law enforcement once again splits along partisan lines, reflecting the deeper polarization running through government agencies and public perception alike. Then, Todd previews his conversation with DeMaurice Smith as he turns to the looming era of labor strife in professional sports—examining how the NFL operates as a “socialist experiment,” how name-image-likeness deals and the transfer portal are shifting the mindset of athletes, and why collective bargaining disputes will be on the horizon.Then, Chuck Todd is joined by former NFL Players Association executive director DeMaurice Smith to discuss his new book Turf Wars and the untold battles behind the modern NFL. Smith reflects on how he—despite never playing the game—won the trust of star athletes, navigated intense resistance from owners, and fought for free agency and labor protections. He shares candid stories of his uphill battle to lead the NFLPA, from owners attempting to block his election to risking his career to stand with players.Smith also offers a rare look inside the billionaire owners' club, likening it to a feudal kingdom where prestige and profit outweigh fairness. He reveals how Roger Goodell consolidated power, why Jerry Jones remains a polarizing force, and how owners exploit their franchises like personal toys. From hidden revenues to weak contract protections, Smith explains why the NFL has thrived financially while leaving players vulnerable. And with college athletes gaining leverage and younger NFL players more empowered, Smith warns that a seismic labor showdown between players and owners may be on the horizon.Finally, he answers listeners' questions in the “Ask Chuck” segment.Timeline:(Timestamps may vary based on advertisements)00:00 Chuck Todd's Introduction01:00 There's a pattern to every mass/school shooting02:15 People always look to confirm their priors with every shooting03:30 The shooter being trans could inflame the culture wars04:30 Shooting could be politicized in all the wrong ways06:00 FBI announces it will be investigated as terrorism/hate crime07:00 Trust and favorability of law enforcement is polarized10:00 Agencies are being run by partisans acting partisanly12:45 The public & Trump view everything through a partisan lens14:45 DeMaurice Smith TEASE18:00 We're about to enter an era of labor strife in professional sports19:45 The NFL is one of the great socialist experiments in America22:30 The attitude of future NFL players will change due to NIL/Xfer portal23:45 We'll likely see collective bargaining amongst college players26:45 DeMaurice Smith joins the Chuck ToddCast 29:45 Why write Turf Wars? Why did the story need to be told? 31:45 Similarities between political oligarchs & NFL owners 33:15 Why did you get the NFLPA job despite never playing? 35:00 Players voted to strike in 80's then crossed picket line 36:45 Players went through years of litigation to get free agency 38:15 NFL tried to stop NFLPA from hiring DeMaurice 41:15 DeMaurice forced to risk his job to run for NFLPA job 43:15 Was it hard to connect with the players? 45:15 Star players vouched for DeMaurice to their teammates 46:00 Goodell visited with multiple teams and it went BADLY 51:15 DeMaurice was warned, NFL owners are the worst people 51:45 NFL owners view their team as a toy, vehicle for prestige 53:45 Owners try to pull equity out of their team without selling it 55:00 Relationship with Robert Kraft 57:00 Tension between younger and older owners 57:30 The good and bad of Jerry Jones 58:15 Jerry Jones frustrated with "freeloading" owners 1:00:00 The NFL is a feudal kingdom 1:00:30 Pete Rozelle vs Roger Goodell 1:03:00 Goodell has done an incredible job generating revenue 1:04:00 Mike Brown isn't a billionaire without Goodell 1:04:30 What would the league look like without owners, Packers model? 1:06:00 Packers requirement to publicly report gives insight into league 1:08:00 The only rule NFL placed on itself was Rooney Rule, don't follow it 1:08:45 The NFL is comfortable knowing it's basically above the law 1:09:45 How much revenue was the NFL hiding under its nonprofit status? 1:10:45 The league gave up nonprofit status to hide salaries, legal issues 1:12:00 NFL contract protections weaker than other sports 1:12:45 NFL culture is "psychologically militaristic" 1:14:15 Players/owners showing solidarity over kneeling for anthem 1:15:30 NFLPA is a microcosm for labor standing up to capital. 1:17:00 College players have more leverage than NFL players 1:18:15 Newer generation of players will change relationship with owners 1:20:30 NFL owners fear educated and empowered players 1:22:15 School should mandate financial literacy courses for players 1:23:30 Are players concerned about the mess at the NFLPA? 1:24:45 Players need to understand owners aren't their friends 1:25:30 There's a war coming between players and ownership1:27:30 Chuck's thoughts on interview with DeMaurice Smith 1:29:30 Ask Chuck 1:29:45 Could local sports coverage change the local news landscape? 1:41:15 Friendly trash talk of Chuck's Miami Hurricanes and Green Bay Packers 1:43:45 Is Marco Rubio having any regrets or second thoughts? 1:49:00 What publication details generational voting records? 1:54:30 Artificial chocolate + coffee flavoring?

Chuck Todd is joined by former NFL Players Association executive director DeMaurice Smith to discuss his new book Turf Wars and the untold battles behind the modern NFL. Smith reflects on how he—despite never playing the game—won the trust of star athletes, navigated intense resistance from owners, and fought for free agency and labor protections. He shares candid stories of his uphill battle to lead the NFLPA, from owners attempting to block his election to risking his career to stand with players.Smith also offers a rare look inside the billionaire owners' club, likening it to a feudal kingdom where prestige and profit outweigh fairness. He reveals how Roger Goodell consolidated power, why Jerry Jones remains a polarizing force, and how owners exploit their franchises like personal toys. From hidden revenues to weak contract protections, Smith explains why the NFL has thrived financially while leaving players vulnerable. And with college athletes gaining leverage and younger NFL players more empowered, Smith warns that a seismic labor showdown between players and owners may be on the horizon.Timeline:(Timestamps may vary based on advertisements)00:00 DeMaurice Smith joins the Chuck ToddCast03:00 Why write Turf Wars? Why did the story need to be told?05:00 Similarities between political oligarchs & NFL owners06:30 Why did you get the NFLPA job despite never playing?08:15 Players voted to strike in 80's then crossed picket line 10:00 Players went through years of litigation to get free agency11:30 NFL tried to stop NFLPA from hiring DeMaurice14:30 DeMaurice forced to risk his job to run for NFLPA job16:30 Was it hard to connect with the players?18:30 Star players vouched for DeMaurice to their teammates20:15 Goodell visited with multiple teams and it went BADLY24:30 DeMaurice was warned, NFL owners are the worst people25:00 NFL owners view their team as a toy, vehicle for prestige27:00 Owners try to pull equity out of their team without selling it28:15 Relationship with Robert Kraft30:15 Tension between younger and older owners 30:45 The good and bad of Jerry Jones31:30 Jerry Jones frustrated with “freeloading” owners33:15 The NFL is a feudal kingdom33:45 Pete Rozelle vs Roger Goodell36:15 Goodell has done an incredible job generating revenue37:15 Mike Brown isn't a billionaire without Goodell37:45 What would the league look like without owners, Packers model?39:15 Packers requirement to publicly report gives insight into league41:15 The only rule NFL placed on itself was Rooney Rule, don't follow it42:00 The NFL is comfortable knowing it's basically above the law43:00 How much revenue was the NFL hiding under its nonprofit status?44:00 The league gave up nonprofit status to hide salaries, legal issues45:15 NFL contract protections weaker than other sports46:00 NFL culture is “psychologically militaristic”47:30 Players/owners showing solidarity over kneeling for anthem48:45 NFLPA is a microcosm for labor standing up to capital. 50:15 College players have more leverage than NFL players51:30 Newer generation of players will change relationship with owners53:45 NFL owners fear educated and empowered players55:30 School should mandate financial literacy courses for players56:45 Are players concerned about the mess at the NFLPA?58:00 Players need to understand owners aren't their friends58:45 There's a war coming between players and ownership

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Newer kickoff rules; Justin Herbert's new lady friend; In The News!

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On this episode of Hands-On Tech, Mikah Sargent answers a question from Joe about getting older software, like Adobe Photoshop CS3, to run on his new M4 MacBook Air. Mikah explains why you simply can't, but offers some suggestions that could work, while offering some modern alternatives to the older applications. Send in your questions for Mikah to answer on the show! hot@twit.tv Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Want access to the ad-free video and exclusive features? Become a member of Club TWiT today! https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

On this episode of Hands-On Tech, Mikah Sargent answers a question from Joe about getting older software, like Adobe Photoshop CS3, to run on his new M4 MacBook Air. Mikah explains why you simply can't, but offers some suggestions that could work, while offering some modern alternatives to the older applications. Send in your questions for Mikah to answer on the show! hot@twit.tv Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Want access to the ad-free video and exclusive features? Become a member of Club TWiT today! https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

On this episode of Hands-On Tech, Mikah Sargent answers a question from Joe about getting older software, like Adobe Photoshop CS3, to run on his new M4 MacBook Air. Mikah explains why you simply can't, but offers some suggestions that could work, while offering some modern alternatives to the older applications. Send in your questions for Mikah to answer on the show! hot@twit.tv Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Want access to the ad-free video and exclusive features? Become a member of Club TWiT today! https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

On this episode of Hands-On Tech, Mikah Sargent answers a question from Joe about getting older software, like Adobe Photoshop CS3, to run on his new M4 MacBook Air. Mikah explains why you simply can't, but offers some suggestions that could work, while offering some modern alternatives to the older applications. Send in your questions for Mikah to answer on the show! hot@twit.tv Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Want access to the ad-free video and exclusive features? Become a member of Club TWiT today! https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

On this episode of Hands-On Tech, Mikah Sargent answers a question from Joe about getting older software, like Adobe Photoshop CS3, to run on his new M4 MacBook Air. Mikah explains why you simply can't, but offers some suggestions that could work, while offering some modern alternatives to the older applications. Send in your questions for Mikah to answer on the show! hot@twit.tv Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Want access to the ad-free video and exclusive features? Become a member of Club TWiT today! https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

TCB Merch Drop Happens August 8th, 2025 : www. shopTCBpocast.com EP805: Blue has a bad case of blood coming out of...everywhere. So TCB takes a break to care for the puppy. So, a TCB Classic is on deck! TCB Classic: Bryan finds a NEWER and younger Frankie B and the TCB world takes a collective gasp! Could this be the replacement we hoped might never happen?? It just might be. Pauly Couch Cushions is one lug nut of a human and he's giving guys bad dating advice...of course. This is a can't miss episode as a new era of TCB is born! Watch EP #805 on YouTube! Text us or leave us a voicemail: +1 (212) 433-3TCB FOLLOW US: Instagram:  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@thecommercialbreak⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Youtube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠youtube.com/thecommercialbreak⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@tcbpodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.tcbpodcast.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ CREDITS: Hosts: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Bryan Green⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ &⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Krissy Hoadley⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Executive Producer: Bryan Green Producer: Astrid B. Green Voice Over: Rachel McGrath TCBits & TCB Tunes: Written, Voiced and Produced by Bryan Green. Rights Reserved To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Harry and Meghan have a new new new new strategy to get us all to like them.Harry we can tell you what will get people to like you, but your wife isn't going to like it.Follow our new series Crown and Controversy! Follow now.  The full Season 1 is available now for premium subscribers.  Episodes come out every Sunday on the normal feed. Become a premium subscriber! (no ads and no feed drops). For Apple users, hit the banner on your Apple podcasts app which says UNINTERRUPTED LISTENING. You also get 25+ other series from comedy to paranormal, royals, romance, trivia, politics, movies, music, murder, sports, travel, religion, spirituality, celebrity gossip and feuds, consisting of THOUSANDS OF SHOWS AD-FREE! (it's only $4.99 a month with a free-trial month) PLUS, subscribers get offers like early show releases and subscriber-only shows. Go to Caloroga.com for all our shows! Subscribe to Deep Crown's free newsletter at https://deepcrown.substack.com Thanks to our sponsor https://go.happinessexperiment.com/begin-aff-o2?am_id=podcast2025&utm_source=podcast&utm_medium=podcast&utm_campaign=michael

Hosted by Jay Ingersoll & Modd, this episode dives into a topic every metalhead can relate to: **gateway bands**—the artists that first sparked our obsession with heavy music and led us down the path to extreme metal, death metal, metalcore, black metal, and beyond.

In this episode of Do The Work | Mindset Mastery, I take you back to a moment that almost broke me and ended up building me. The truth is, most of what holds us back in business has nothing to do with knowledge or skill. It has everything to do with how we react when we feel exposed. That feeling of not being good enough, smart enough, or ready enough. And in real estate, that happens more often than most of us want to admit. When I first got into REOs during the market crash, I was just trying to survive. I didn't have connections. I didn't know the game. I was just willing to outwork everybody. I'd stay up for hours doing broker price opinions for pennies, hoping it would open a door. And eventually, it did. But at one of my first conferences, I got hit with something that shook me. I was talking to an asset manager when another agent someone local decided to embarrass me in front of him. I didn't know what a “tape” was, and he laughed like it was the dumbest thing in the world. I shrank. I went back to my hotel room that night feeling worthless. And in that moment, I believed what he was trying to make me feel that I didn't belong. What I didn't realize then is that these moments happen to all of us. Whether you're brand new or been in the business ten years, there's always someone trying to assert dominance. Asking “Are you new?” isn't just a question. It's a power move. It's someone trying to put you in your place so they can feel more secure in theirs. But here's what I learned the hard way. That moment of embarrassment became fuel. That agent wanted to establish superiority, but he woke up something in me that would not stop. I became one of the top REO producers in the state. I ended up doing business with that same asset manager he tried to impress. I outgrew that moment. And I outgrew him. Years later, I still see this same dynamic play out with our agents. Newer agents getting shut down by condescending tones. Veteran agents feeling like they should already know everything, so they stop asking questions. That is how growth dies. We don't have to play that game. We don't have to respond on their terms. You don't have to pick up the phone just because someone is calling. You don't have to explain yourself to someone who's trying to corner you. Hold your frame. Stick to the facts. And know that your license is just as powerful as anyone else's no matter how long they've had theirs. When I coach my team, I always bring it back to this: confidence isn't pretending you know everything. It's knowing you'll figure it out. It's showing up anyway. It's staying calm, making your move, and letting your work speak louder than their words ever could. ### Ask Yourself: Have I ever let someone else's comment or tone shrink my confidence or momentum? Am I avoiding situations where I feel exposed instead of using them to grow? What would it look like if I treated every embarrassing moment as a catalyst instead of a setback? ### Notable Quotes: “He didn't realize he woke up a monster.” “You don't have to answer to anyone especially not on their time.” “Your license is just as good as mine, and I've been doing this for 21 years.” Let them talk. Let them posture. And then let your results do the rest.     Follow A.Z. Araujo on Social Media: Instagram: @azaraujo Facebook: A.Z. Araujo TikTok: A.Z. Araujo YouTube: Do The Work Podcast   For Real Estate Agents in AZ: Learn more about Do The Work Coaching and A.Z. & Associates: dothework.com/azaa   Upcoming Events: If you're a real estate brokerage owner, sign up for one of our upcoming events. Visit: dothework.com bigmoneybrokerage.com Join my mailing list for updates!   New Do The Work Gear: Check out the latest DTW and Do The Work Gear! Hats, shirts, journals, and more: shop.dothework.com

This content has been developed for healthcare professionals only. Patients who seek health information should consult with their physician or relevant patient advocacy groups.For the full presentation, downloadable Practice Aids, slides, and complete CME/EBAH information, and to apply for credit, please visit us at PeerView.com/JWX865. CME/EBAH credit will be available until July 22, 2026.The Second Coming of Finite Therapy in CLL: Making Informed Treatment Decisions With Newer, Time-Limited BTKi Combinations In support of improving patient care, PVI, PeerView Institute for Medical Education, is jointly accredited by the Accreditation Council for Continuing Medical Education (ACCME), the Accreditation Council for Pharmacy Education (ACPE), and the American Nurses Credentialing Center (ANCC), to provide continuing education for the healthcare team.SupportThis activity is supported by an independent educational grant from AstraZeneca.Disclosure information is available at the beginning of the video presentation.

This content has been developed for healthcare professionals only. Patients who seek health information should consult with their physician or relevant patient advocacy groups.For the full presentation, downloadable Practice Aids, slides, and complete CME/EBAH information, and to apply for credit, please visit us at PeerView.com/JWX865. CME/EBAH credit will be available until July 22, 2026.The Second Coming of Finite Therapy in CLL: Making Informed Treatment Decisions With Newer, Time-Limited BTKi Combinations In support of improving patient care, PVI, PeerView Institute for Medical Education, is jointly accredited by the Accreditation Council for Continuing Medical Education (ACCME), the Accreditation Council for Pharmacy Education (ACPE), and the American Nurses Credentialing Center (ANCC), to provide continuing education for the healthcare team.SupportThis activity is supported by an independent educational grant from AstraZeneca.Disclosure information is available at the beginning of the video presentation.

This content has been developed for healthcare professionals only. Patients who seek health information should consult with their physician or relevant patient advocacy groups.For the full presentation, downloadable Practice Aids, slides, and complete CME/EBAH information, and to apply for credit, please visit us at PeerView.com/JWX865. CME/EBAH credit will be available until July 22, 2026.The Second Coming of Finite Therapy in CLL: Making Informed Treatment Decisions With Newer, Time-Limited BTKi Combinations In support of improving patient care, PVI, PeerView Institute for Medical Education, is jointly accredited by the Accreditation Council for Continuing Medical Education (ACCME), the Accreditation Council for Pharmacy Education (ACPE), and the American Nurses Credentialing Center (ANCC), to provide continuing education for the healthcare team.SupportThis activity is supported by an independent educational grant from AstraZeneca.Disclosure information is available at the beginning of the video presentation.

This content has been developed for healthcare professionals only. Patients who seek health information should consult with their physician or relevant patient advocacy groups.For the full presentation, downloadable Practice Aids, slides, and complete CME/EBAH information, and to apply for credit, please visit us at PeerView.com/JWX865. CME/EBAH credit will be available until July 22, 2026.The Second Coming of Finite Therapy in CLL: Making Informed Treatment Decisions With Newer, Time-Limited BTKi Combinations In support of improving patient care, PVI, PeerView Institute for Medical Education, is jointly accredited by the Accreditation Council for Continuing Medical Education (ACCME), the Accreditation Council for Pharmacy Education (ACPE), and the American Nurses Credentialing Center (ANCC), to provide continuing education for the healthcare team.SupportThis activity is supported by an independent educational grant from AstraZeneca.Disclosure information is available at the beginning of the video presentation.

We're back! We cut this show as the last segment of a Patreon Episode, and are releasing it here a little delayed for everyone to listen. 0:21 Main Topic: Airline Miles vs Bank Points 0:52 Set the stage: Why is this an important discussion. Every major bank has a bank point. Chase UR, Amex MR, Citi TYP, WF Rewards, BofA Rewards, US Bank…. Most of these can be cashed out for pennies (or fractions of) OR can be used in the bank run travel portal for more than a penny. Finally some of these can be transferred to airlines as airline miles. These have completely different booking methods and tools, along with a varied amount of value based on the flight or hotel booked. Maximizing value for these miles is a key to earning back the time and money we spend to earn the miles. Example: It almost never makes sense to cash out MR at .6 cents. (news story) 5:51 Bank Point bookings Benefits: Cancel and points can just come back Need to book a refundable fare, eating away the value Open to booking across all alliances and even airlines that have no native point or alliance. As long as it is in the portal you can book it. Sometimes phone agents can see even more. 1:1 pricing for most airline tickets. Airline bookings are elite benefit eligible and earn miles Hotel bookings are now allowing loyalty numbers to sometimes be added for elite benefits 13:09 Airline Miles Benefits: Massive flexibility for most domestic carrier programs. Cancel as close in as you'd like. Great for provisional flights Value is not pegged to the dollar cost of a flight, in some cases this results in fantastic values. Economy fares can be incredibly valuable uses of miles if you're interested in them for long haul flights. Newer tools make searching easier, but still a hurdle 19:44 Airline Mile Weaknesses Pricing is highly dynamic and the programs are each unique and have complex rules and booking channels. There need to be reasonably priced award seats or your miles can become worth less than a bank point. Orphaned miles have no benefit outside of the program they're in. Phantom space. Business class fares for more than 2 people become increasingly difficult to book. Some dates and destinations are effectively blocked out Large learning curve. 24:27 Bank point Weaknesses Limited upside potential, each program caps the value somewhere between 1.25 and 2 cents per point Hotel prices can be inflated, reducing the value earned by the points The ability to book anything depends on the bank point portal, which sometimes is less robust that a native airline/hotel portal or even an OTA like booking.com The card associated with the uplift needs to remain open for the points to have uplift. This is impractical for some, and costly if annual fees cannot be eradicated. 31:01 Airline Mile Uses that don't get enough Discussion KLM/AF have

Learn more at: www.craftbeerrebranded.com / http://www.beyondbeerbook.com-Have a topic or question you'd like us to field on the show? Shoot it our way: hello@cododesign.com-Join 8,000+ food and bev industry pros who are subscribed to the Beer Branding Trends Newsletter (and access all past issues) at: www.beerbrandingtrends.com 

On Hands-On Tech, Mikah Sargent helps JP with solutions for continuing to use his professional photography equipment if he upgrades his older Mac running macOS Mojave to a newer Mac that doesn't support the older software needed to use the equipment. Submit your questions to be answered on the show to Mikah at hot@twit.tv! Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Want access to the ad-free video and exclusive features? Become a member of Club TWiT today! https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

On Hands-On Tech, Mikah Sargent helps JP with solutions for continuing to use his professional photography equipment if he upgrades his older Mac running macOS Mojave to a newer Mac that doesn't support the older software needed to use the equipment. Submit your questions to be answered on the show to Mikah at hot@twit.tv! Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Want access to the ad-free video and exclusive features? Become a member of Club TWiT today! https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

On Hands-On Tech, Mikah Sargent helps JP with solutions for continuing to use his professional photography equipment if he upgrades his older Mac running macOS Mojave to a newer Mac that doesn't support the older software needed to use the equipment. Submit your questions to be answered on the show to Mikah at hot@twit.tv! Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Want access to the ad-free video and exclusive features? Become a member of Club TWiT today! https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

On Hands-On Tech, Mikah Sargent helps JP with solutions for continuing to use his professional photography equipment if he upgrades his older Mac running macOS Mojave to a newer Mac that doesn't support the older software needed to use the equipment. Submit your questions to be answered on the show to Mikah at hot@twit.tv! Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Want access to the ad-free video and exclusive features? Become a member of Club TWiT today! https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

On Hands-On Tech, Mikah Sargent helps JP with solutions for continuing to use his professional photography equipment if he upgrades his older Mac running macOS Mojave to a newer Mac that doesn't support the older software needed to use the equipment. Submit your questions to be answered on the show to Mikah at hot@twit.tv! Host: Mikah Sargent Download or subscribe to Hands-On Tech at https://twit.tv/shows/hands-on-tech Want access to the ad-free video and exclusive features? Become a member of Club TWiT today! https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

EP784: Bryan finds a NEWER and younger Frankie B and the TCB world takes a collective gasp! Could this be the replacement we hoped might never happen?? It just might be. Pauly Couch Cushions is one lug nut of a human and he's giving guys bad dating advice...of course. This is a can't miss episode as a new era of TCB is born! Watch EP #784 on YouTube! Text us or leave us a voicemail: +1 (212) 433-3TCB FOLLOW US: Instagram:  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@thecommercialbreak⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Youtube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠youtube.com/thecommercialbreak⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@tcbpodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.tcbpodcast.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ CREDITS: Hosts: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Bryan Green⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ &⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Krissy Hoadley⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Executive Producer: Bryan Green Producer: Astrid B. Green Voice Over: Rachel McGrath TCBits & TCB Tunes: Written, Voiced and Produced by Bryan Green. Rights Reserved To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Since we had to add Tyrese Haliburton to the growing list of missing superstars for next year, we felt it was wise to look at who might get drafted in the top-10 (or even top-15). Plus, the actual NBA Draft is happening and we got a few intriguing landing spots already! Donate directly to Palisades Elementary's Fire Recovery Fund: https://palielementary.kindful.com/?campaign=1345495 Follow Dan Besbris on Twitter: https://x.com/danbesbris Find Dan on the brand new BlueSky social network: https://bit.ly/3Vo5M0N Check out Dan's Buckets, Weekly Schedule Charts & Yahoo Rank Tracker Sheet FREE! https://bit.ly/3XrAdEW Listen and subscribe on iTunes: https://apple.co/3XiUzQK Listen and subscribe on Spotify: https://spoti.fi/3ACCHYe Float on over to the new Old Man Squad Sports Network YouTube page to watch videos from the network's top talent: https://bit.ly/46Z6fvb Join the Old Man Squad Discord to chat with Dan and all the other hosts: https://t.co/aY9cqDrgRY Follow Old Man Squad Fantasy on Instagram for all our short videos: https://bit.ly/3ZQbxrt Podcast logo by https://twitter.com/freekeepoints Beats by https://bsky.app/profile/slickrach.bsky.social

Join this channel to get access to perks: https://www.youtube.com/channel/UCAURsT8pIRGXBVT__Rh_OmA/join Support us on Patreon for BONUS episodes each month & other perks: https://www.patreon.com/thesavegpodcast In this week's episode we kick off discussing the current riots in LA - and how Trump has impacted the situation. Elon & Trump's breakup is official as the two take to X to write about each other. Newer study on mice has been able to extend their lives- would you take something that was guaranteed to extend your life? And Greta Thunberg gets deported from Israel. Hope you enjoyed the episode!

Story at-a-glance Cholesterol is essential for hormone production, brain function, and cell health, and about 80% of it is made by your body — not consumed in food. High triglycerides, not total cholesterol, pose a stronger risk for heart attack — raising risk by 80% — making triglyceride-to-HDL ratio a better heart disease predictor Newer science shows chronic inflammation — not LDL alone — may be the real cause of plaque buildup in arteries, shifting focus to markers like ApoB and CRP Natural options like garlic, artichoke, bergamot, plant sterols, green tea, and oats have been shown in clinical studies to lower LDL cholesterol and improve heart markers Red yeast rice can lower LDL by up to 33%, but it contains a statin-like compound with the same side effects and potential kidney toxins like citrinin Lifestyle changes like cutting sugar, walking daily, and sleeping well can activate the Pareto Principle — where 20% of effort yields 80% of results in lowering cholesterol. Exercise improves five key metabolic biomarkers — glucose, HDL, triglycerides, blood pressure, and waist size — each linked to long-term cardiovascular health