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Send us a textDownload study notes for this chapter.Download study notes for this entire book.**********Scriptures taken from the Holy Bible, New International Version ®, NIV ® Copyright © 1973, 1978, 1984, 2011 by Biblica, Inc. Used with permission. All rights reserved worldwide.The “NIV”, “New International Version”, “Biblica”, “International Bible Society” and the Biblica Logo are trademarks registered in the United States Patent and Trademark Office by Biblica, Inc. Used with permission.BIBLICA, THE INTERNATIONAL BIBLE SOCIETY, provides God's Word to people through Bible translation & Bible publishing, and Bible engagement in Africa, Asia Pacific, Europe, Latin America, the Middle East, and North America. Through its worldwide reach, Biblica engages people with God's Word so that their lives are transformed through a relationship with Jesus Christ.Support the show
Get a PS5 code for the great game Despelote if you support MinnMax on Patreon (or upgrade your tier) before Monday, July 14th. We have 50 PS5 codes, North America only. We'll post on all social channels if we run out. https://www.patreon.com/c/minnmax MinnMax's Ben Hanson, Kelsey Lewin, Sarah Podzorski, and guest cohort Kyle Bosman share their picks for the game of the summer. Is it Mario Kart World on Nintendo Switch 2? Death Stranding 2: On The Beach? Tamagotchi Plaza for some reason? Kelsey makes the case for The Hundred Line: Last Defense Academy. Then we answer questions submitted on Patreon by the community and award the iam8bit question of the week! You can win a prize and help make the show better by supporting us on Patreon and submitting a question! https://www.patreon.com/minnmax Watch and share the video version here - https://youtu.be/LgrQH_ijKJ4 Come to MinnMax's summer community meetup on Saturday, August 9th from 12-5 at Utepils Brewing in Minneapolis! https://www.patreon.com/posts/come-to-minnmaxs-129701152 Subscribe to MinnMax's Stream Archives YouTube channel - https://www.youtube.com/@minnmaxstreamarchives Help support MinnMax's supporters! https://www.iam8bit.com - 10% off with Promo Code: WORLDUFODAY https://factormeals.com/minnmax50off - 50% off plus free shipping on your 1st box Promo Code: MINNMAX50OFF Get an MSI Motherboard, Rematch and $120 in Steam codes - https://msi.gm/SD95248C Level up your game and get 10% off @TurtleBeach with code MINNMAX at turtlebeach.com/MINNMAX #turtlebeachpod To jump to a particular discussion, check out the timestamps below... 00:00:00 - Intro 00:02:31 - Get a PS5 code for Despelote 00:04:32 - Game of the Summer 2025 00:05:17 - Mario Kart World 00:08:04 - Tamagotchi Plaza 00:16:54 - Elden Ring Nightreign 00:19:35 - Factor Meals 00:21:31 - The Hundred Line: Last Defense Academy 00:35:36 - Community picks for game of the summer 00:36:26 - Death Stranding 2: On The Beach 00:48:02 - Umamusume: Pretty Derby 01:00:19 - Turtle Beach 01:02:27 - Marvel vs Capcom 2 and Volfied 01:07:45 - GrimGrimoire OnceMore 01:19:26 - Thanking iam8bit - https://www.iam8bit.com/ 01:21:23 - Community questions 02:12:00 - Get A Load Of This 02:19:27 - The Rumor Meister 02:22:50 - Plugs Bosman's GALOT - https://digimon.fandom.com/wiki/Betsumon Kelsey's GALOT - https://www.instagram.com/reel/DI_-15spElT/?igsh=ODR5em5pa3I0eW04 Hanson's GALOT - https://bsky.app/profile/jenmsft.bsky.social/post/3ltfxpxewrs2o Sarah's GALOT - https://share.google/hUHGEnfwhpsLptMVI Community GALOT - https://youtu.be/NAKjCvZCTj0?si=yDxoK5NYznnTZKG- Disclosure - Games discussed on MinnMax content are most often provided for free by the publisher or developer. Support us on Patreon - https://www.patreon.com/minnmax Support MinnMax directly on YouTube - https://youtube.com/minnmax/join Follow us on Twitch - https://www.twitch.tv/minnmaxshow Subscribe to our YouTube channel - https://www.youtube.com/minnmax Subscribe to our solo stream channel - https://www.youtube.com/@minnmaxstreamarchives Catch up on the best of MinnMax - https://bit.ly/4gAc6eq Buy MinnMax merch here - https://minnmax.com/merch Follow us on Twitter - https://twitter.com/minnmaxshow Go behind the scenes on Instagram - https://www.instagram.com/minnmaxshow This podcast is powered by Pinecast.
Ram's huge V-8 demand, potential for a V-8 RHO, SRT is back, and increased payload. GM's next-gen half-tons caught testing, $1,000 vehicle payments, Ford Ranger PHEV a no-go for North America, the Stellantis California problem, and recall news. The Truck Show Podcast brought to you by AMSOIL, Kershaw Knives, UEM Pistons, and OVR Mag.
Welcome to episode 90 of The Way Out Is In: The Zen Art of Living, a podcast series mirroring Zen Master Thich Nhat Hanh's deep teachings of Buddhist philosophy: a simple yet profound methodology for dealing with our suffering, and for creating more happiness and joy in our lives. In this installment, Zen Buddhist monk Brother Phap Huu and leadership coach/journalist Jo Confino are joined by Nho Tran, a nun in the Plum Village tradition for 17 years now continuing her spiritual journey as a layperson. Together, they explore the profound importance of spiritual friendship in the Buddhist tradition, while Brother Phap Huu and Nho reflect on the personal journey of their decades-long friendship. They discuss the teachings of Thich Nhat Hanh on the centrality of community and togetherness in cultivating joy, stability, and liberation; the challenges and growth experienced through friendship; and the importance of deep listening and being present for one another, which allows for vulnerability, honesty, and the freedom to be one’s authentic self. Bio Nho Tran is a scholar, facilitator, and former Buddhist nun in the Plum Village tradition of Zen Master Thich Nhat Hanh. She spent many years living and practicing in monastic communities across Asia, Europe, and North America, where she cultivated a deep commitment to interbeing, cultural resilience, and the art of mindful living. Nho's work sits at the intersection of conflict transformation, ethics, and systems thinking. Drawing on her monastic formation and experience across diverse sectors, she supports individuals and communities in navigating difficult conversations, fostering cultural change, and reimagining leadership grounded in compassion and collective wisdom. She holds a joint degree in Cognitive Neuroscience and Religion from the University of Southern California, a Master of Divinity from Harvard Divinity School, and an MA from Harvard University. She is currently a PhD candidate at Harvard's Graduate School of Arts and Sciences, where her research explores the intersections of religion, ethics, governance, and Vietnamese Buddhist history. Nho teaches negotiation, ethics, and conflict resolution at Harvard, and continues to serve as a bridge between contemplative practice and social transformation. Co-produced by the Plum Village App:https://plumvillage.app/ And Global Optimism:https://globaloptimism.com/ With support from the Thich Nhat Hanh Foundation:https://thichnhathanhfoundation.org/ List of resources Live show: The Way Out Is In podcast with special guest Ocean Vuong plumvillage.uk/livepodcastOcean Vuonghttps://www.oceanvuong.com/Interbeinghttps://en.wikipedia.org/wiki/Interbeing Ānanda https://en.wikipedia.org/wiki/%C4%80nanda Pali Canonhttps://en.wikipedia.org/wiki/Pali_Canon The Three Marks of Existencehttps://en.wikipedia.org/wiki/Three_marks_of_existence The Miracle of Mindfulness https://plumvillage.shop/products/books/personal-growth-and-self-care/the-miracle-of-mindfulness-2/ Marahttps://en.wikipedia.org/wiki/Mara_(demon)Brother Spirithttps://plumvillage.org/people/dharma-teachers/brother-phap-linhThich Nhat Hanh: Redefining the Four Noble Truthshttps://www.youtube.com/watch?v=eARDko51XdwMaitreyahttps://en.wikipedia.org/wiki/Maitreya Quotes “When we receive a Dharma name, it is almost like a trust that we’re receiving. It is also the intention that a teacher sees our potential in it. And it’s something that is given to us to practice for our whole life.” “Learn to befriend yourself first, and then learn to be a friend of many.” “Spiritual friendship is the whole of the spiritual path. It is the entirety of the spirit path.” “Monk, you have to have a good friendship. You have to have good conversations. You have to have good deeds. You have to have good efforts. And then you have a grasp on impermanence.” “The joy of meditation is daily food.” “One of our teacher Thay’s realizations was that our deepest suffering is loneliness, and it comes from the wrong views of what success is, which is individualistic.” “Reverence is the nature of my love.” “In true love, there’s freedom.” “True love is being present.” “Understanding is another word for love.” “Mindfulness always has to have an object.” “There are ways in which, when people hear, ‘Oh, in true love, there is freedom', they will be like, ‘Oh, freedom means I can do whatever I want.' There’s a sort of recklessness. And that’s not the type of freedom I’m talking about. I’m talking about some real, raw, internal stuff, where I can show up in this relationship and he can show up in this relationship in his undefended self.” “We have to expand our hearts and our way of being to bring people in, because we need friends.” “Thay said that even if you’re an activist and you're saving people’s lives and you’re building humanity and rebuilding villages, if you’re doing it from a place of self, of pride and ego: don’t do it. Enter into interbeing; do this because you see them as you, then you can be ‘in service of'.” “A true friend is someone who understands your suffering, who listens deeply without judging and who is capable of being there with you in difficult moments. They don’t try to fix you, they simply sit with you, in mindfulness. This kind of presence is rare and it is a great gift. When you find such a friend, cherish them, because they help you touch the peace and freedom that are already within you.” “The greatest technology we have is each other. These relationships that we have with each other, we keep seeking something else. But the thing that makes us feel like we are living a meaningful life is being seen and acknowledged and recognized by the gaze of another person, the loving gaze of another person.” “The most powerful spiritual technology is the coming together.” “I tell people to come to Plum Village, but not to try to learn something. Come here just to be. Because I think our thirst for ‘a fix' is so powerful now. We’re looking for a spiritual teaching to fix us; we’re looking to fix all of our suffering. And guess what? Some of your suffering, you might not be able to fix it.”
Hailing from Sydney, Australia, PhaseOne's distinct sound (a unique blend of hard-hitting Bass Music infused with Metal) quickly found him a niche in the hardline EDM landscape. His music has been described as “a symphony of filth”, and boy are they not wrong. As a producer, guitarist, and songwriter PhaseOne expertly crafts a “metal meets electronic” sound that not only defies genres but has earned him multiple number 1s, and millions of streams globally. PhaseOne's DJ performances bring unmatched energy to the stage; it's a show he's toured extensively in global markets including North America, South America, Europe, Australia, the Asia Pacific region, the Middle East, and Europe, playing sold-out headline shows and festivals such as Tomorrowland, EDC, Rampage and Lost Lands, with some of the biggest names in electronic music. His music is loved and supported by artists such as Skrillex, Illenium, Slander, and Excision. PhaseOne Links Mr. Bill's Links
Growing your business starts with the right people. In this webinar, we'll break down a simple system for recruiting productive agents who drive real results. Learn how to identify the right talent, attract them to your team, and create a path to long-term growth and profitability. See the full webinar schedule at: gloveru.com/webinar Learn more about Jeff Glover, the #1 producing real estate coach in North America, and Glover U at gloveru.com.
Send us a textDownload study notes for this chapter.Download study notes for this entire book.**********Scriptures taken from the Holy Bible, New International Version ®, NIV ® Copyright © 1973, 1978, 1984, 2011 by Biblica, Inc. Used with permission. All rights reserved worldwide.The “NIV”, “New International Version”, “Biblica”, “International Bible Society” and the Biblica Logo are trademarks registered in the United States Patent and Trademark Office by Biblica, Inc. Used with permission.BIBLICA, THE INTERNATIONAL BIBLE SOCIETY, provides God's Word to people through Bible translation & Bible publishing, and Bible engagement in Africa, Asia Pacific, Europe, Latin America, the Middle East, and North America. Through its worldwide reach, Biblica engages people with God's Word so that their lives are transformed through a relationship with Jesus Christ.Support the show
In this episode of Beyond Limits, Olivia sits down with Rachel Wong—the co-founder of Monday Girl, one of North America's fastest-growing networking platforms for professional women.What started as a Sunday afternoon coffee chat between two strangers turned into a movement with thousands of members across cities like Toronto, New York, San Francisco, and London.Rachel opens up about bootstrapping Monday Girl while working at Uber, what it's really like to build a brand with your co-founder from day one, and why creating space for soft power is the future of women-led networking.She and Liv go deep into what makes a Monday Girl so magnetic, how to protect feminine leadership in a tech bro world, and why access is everything in your 20s and 30s.Key Takeaways:
Welcome back to The Food For ThoughtCast, food fans! It's time for Episode 115- It's a little chat about salad. Not particularly extensive, but certainly always tasty talk for the day. We found a list of some of the most popular ones in North America, and gave our takes. Steve gets assigned Texas Caviar, and Melissa gives her opnion on iceberg lettuce. Don't know your Cobb Salad from your Chef Salad? Boy are you in luck! Find us in all the podcast places, and don't forget to watch along on YouTube! Thanks so much for listening.
Every Wednesday we release our all new “HALO Academy: 2 Minute Financial Drill" by Integrity Square Founder & HALO Talks host, Pete Moore on everything you need to know for financial literacy, unit economics, legal documents used for M&A and capital raises, capital sources you can access, understanding how financings are structured, valuation metrics and parameters, and what you need to know about your own business before engaging in cap raises and/or a potential sale. If you missed our email about this, you can re-read it here: https://mailchi.mp/9567da51c0ce/2025programschedule ====================================================== RESOURCES https://www.integritysq.com https://www.halotalks.com https://www.thehaloacademy.com Watch the video here: https://www.youtube.com/@halotalks =================================================== ABOUT YOUR INSTRUCTOR Pete is the Founder, Managing Partner and Chief Dream Architect at Integrity Square ("ISQ"), a leading boutique financial advisory firm focused on the $4.7T Health, Active Lifestyle, Outdoor ("HALO") sector. Since founding ISQ in 2010, the firm has played an active advisory role in 100+ mergers & acquisitions, private placements and advisory assignments across North America. Pete Moore and his team have also invested in passionate entrepreneurs at HigherDOSE, XTEND, and Promotion Vault. ISQ's media and "live education" properties include HALO Talks, the leading B2B podcast in the sector, Time To Win Again, and the HALO Academy, an Executive Education Bootcamp Series. Prior to ISQ, Pete was Head of the Active Lifestyle & Wellness Group at Sagent Advisors (2003-2010.) Prior to 2003, Pete was co-founder of FitnessInsite, a SasS sales management platform with 1500+ clients (based in AZ.) At FitnessInsite, Pete invested his personal capital, leveraged his credit cards and learned what it takes to manage a startup. Pete built his business and financial acumen on top of the foundation laid at three critical positions early in his career: Senior Associate at Brockway Moran & Partners, the private equity owner of Gold's Gym International, Inc; worked as an Associate at Donaldson, Lufkin & Jenrette; and an Analyst at Chase Securities. (Now JP Morgan.) ISQ saw a need for a deeper & more useful level of education in the HALO sector. In response, we launched the HALO Talks podcast, with 500+ completed interviews and over 120,000 downloads. HALO Talks has become a “must listen” for anyone working or investing in the sector. Pete graduated from Emory University (BBA, 1994) and received his MBA from Harvard Business School (1999.) While at HBS, he co-founded IRON PLANET, the leading B2B auction site for used heavy equipment, which was sold to Ritchie Bros for $758 million. His hobbies include: Football, basketball, tennis, podcasting, amateur ventriloquism, pro bono DJ and fitness enthusiast.
In episode 105, we give renown bowfishing trophy hunter, Randy Conover, a call. Randy consistently shoots bigheads that tip the scale at over 100 pounds, including a 120-pound white bighead he shot earlier this year. Matt and Derrick also brush up on their bowfishing knowledge with another rendition of “Bowfishing Fact or Fiction”. Plus! • How many lbs. of silvers in North America? • A Minnesota carp that's older than Mathew • How many teams are shooting Worlds? • How to utilize a ladder while bowfishingNDesignsNDesigns prides itself on attention to detail in every product produced.E-FISH-N-SEE Bowfishing LightsExperience night bowfishing like never before with the E-FISH-N-SEE® Bowfishing LightMegaMouth BowfishingProven to be the TOUGHEST bowfishing reel on the market. Built and designed to dominate. AMS BowfishingOver 40 years of American made innovation. Bowfishing is our way of life, it runs through our veins.Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.
Joy is an attitude, not an emotion. It comes from our heart and results from our trusting in God. Even in the most sorrowful experiences, God's joy is our strength as we choose it. Take in these words of encouragement and ask the Holy Spirit to show you God's joy for you and His gift of joy that is already growing in you.Daylight Meditations is a daily podcast from CFO North America. Please visit CFONorthAmerica.org to learn more about our retreats, and online courses. If you are encouraged by this podcast, please consider supporting us.Contributors: Michelle DeChant, Nancy Holland, and Adam Maddock
Lord, Open My Lips is a daily devotional produced by Fr. Josh Fink and John Caddell in association with All Souls Church in Lexington, South Carolina. New devotionals are available every day. More information can be found at allsoulslex.org/dailyprayer.Original music is composed and recorded by John Caddell. Our liturgy is based on "Family Prayer" from the Book of Common Prayer (2019), created by the Anglican Church in North America and published by the Anglican Liturgical Press. Used by permission. All rights reserved. Scripture quotations are from The ESV® Bible (The Holy Bible, English Standard Version®), copyright © 2001 by Crossway, a publishing ministry of Good News Publishers. Used by permission. All rights reserved.
In this episode of Retirement Plan Simplified, Joe Curry sits down with Andrea McGinty, founder of It's Just Lunch and 33000Dates.com, to explore how to find love later in life — whether you're divorced, widowed, or simply ready for new companionship. Andrea shares her journey from building one of North America's biggest matchmaking services to coaching thousands of people in their 50s, 60s, and beyond to date online with confidence. She covers the real truths about dating apps, staying safe, building a strong dating “brand,” and why finding a partner later in life can actually boost your health and happiness. Check out the show notes for EP149 HERE
“It just takes time, having people on the team with a bit of experience, and seeing people do it well. It's definitely building and I'm excited to see what they do over the next few years. I have to leave, but one win shows them that we can keep on winning. Hopefully we get our own little streak!”My guest for today's episode as we continue our Washington Huskies takeover is Sophie O'Sullivan. The University of Washington senior got it done — an NCAA 1500m title capping off a strong collegiate career. For the daughter of Olympic silver medalist Sonia O'Sullivan and renowned coach Nic Bideau, greatness may have been in the genes, but it wasn't always a given.Sophie didn't grow up chasing her parents' shadows. She played other sports in high school, barely trained, and still won races on grit alone. College was a different game. It took years of rebuilding mentally, physically, and emotionally, and in this conversation, she takes us through that progression, the years that shaped her, the lessons from her legendary parents, and how she's learned to love the grind, whether she's chasing titles or simply chasing her best.With a national title and an Olympic appearance behind her and the World Championships ahead, this is just the beginning.Host: Chris Chavez | @chris_j_chavez on InstagramGuest: Sophie O'Sullivan | @sophie.osullivan on InstagramProduced by: Jasmine Fehr | @jasminefehr on InstagramSUPPORT OUR SPONSORSOLIPOP: Olipop is a prebiotic soda that tastes like a throwback to your favorite childhood drinks, but it's loaded with benefits that your body will thank you for. Each can has 2-5g of sugar, 6-9g of fiber, and a science-backed formula designed to help you support your digestive health. They've got plenty of flavor options like Classic Root Beer, Crisp Apple, Grape, Cream Soda and wild hits like Peaches and Cream. You can grab Olipop at Target, Whole Foods, and Walmart or you can go to DrinkOlipop.com and use promo code CITIUS25 at checkout for 25% off all of your orders.PILLAR PERFORMANCE: We all know that sleep is where the magic happens. That's when your body is rebuilding – but getting into those deeper stages of sleep is what makes the difference between just going to bed and actually recovering. Just mix in a scoop of water about 30 to 60 minutes before bedtime. It's simple, it's clean, it's vegan, and NSF certified. If you're someone who takes their training and recovery seriously, this is something worth trying. Head to pillarperformance.shop, or if you're in North America, go to thefeed.com and use code CITIUS for 15% off your first purchase.VELOUS: Recover smarter with VELOUS' new active adjustable slide! Tired feet? VELOUS has you covered. VELOUS just launched the NEW Active Adjustable Slide, designed to take your recovery to the next level. With a perfectly contoured midsole, these slides maximize cushioning and support to help ease tired feet and legs. Run. Recover. Repeat with VELOUS. Check out the entire collection and enjoy 20% off your purchase by entering code CITIUSMAG20 at checkout!
This week, Chris Chavez and Mac Fleet break down the top athletes and must-watch storylines heading into Thursday's Monaco Diamond League — from a loaded men's 800m field with world record potential to Noah Lyles' highly anticipated return from an ankle injury. We also share our takeaways from Sydney McLaughlin-Levrone and Athing Mu's performances at the Prefontaine Classic and dive into the latest on Jakob Ingebrigtsen's injury comeback. Mentioned in this episode...Read: Monaco Diamond League 2025 Preview: 800m World Record Under Threat + More Storylines To WatchListen: PREFONTAINE CLASSIC RECAP - BEATRICE CHEBET SUB-14 5K, FAITH KIPYEGON WR + SO MUCH MOREListen:
Industrial Talk is talking to Matt Neal and Sergey Kynev with Siemens Energy about "E-STATCOM and Data Centers and Impact to Power Quality". Scott MacKenzie hosts a podcast celebrating industrial professionals and their innovations. In this episode, he discusses grid stability and solutions with Matt Neal and Sergey Kynev from Siemens Energy. They highlight the challenges of maintaining grid stability, particularly with the increasing demand from data centers. Siemens' solutions, such as STATCOM and E-STATCOM, provide reactive and active power control, enhancing grid stability and efficiency. The conversation also touches on the need for collaboration among stakeholders, including utilities, technology providers, and data center owners, to address the growing demands on the grid. Action Items [ ] Contact Siemens Energy through their website or Matt on LinkedIn to discuss any challenges related to grid stability and data center impacts. [ ] Reach out to Sergey on LinkedIn or contact Siemens Energy to discuss further about STATCOM and E-STATCOM solutions. [ ] Attend the IEEE conference in Austin to engage with the task forces and standard development groups involved in these topics. Outline Introduction and Overview of Industrial Talk Podcast Scott MacKenzie introduces the Industrial Talk Podcast, emphasizing its focus on industry professionals and their innovations. Scott highlights the importance of collaboration, education, and innovation in the industrial sector. Scott mentions the availability of an e-book on industrial talk, which covers core components of successful industrial companies. Scott announces the launch of an Industrial News Network to centralize industry information and make it more accessible. Introduction of Matt and Sergey from Siemens Energy Scott welcomes Matt Neal and Sergey Kynev from Siemens Energy to discuss challenges and solutions in the grid. Matt provides a background on his role at Siemens Energy, focusing on grid solutions in North America. Sergey shares his career journey with Siemens Energy, specializing in grid stability equipment. Scott and the guests discuss the importance of grid stability and the role of transmission and power generation in maintaining it. Challenges and Solutions in Grid Stability Scott and Matt discuss the need for more transmission lines and the challenges of building new infrastructure. Sergey explains the concept of grid stability, focusing on frequency and voltage balance. Sergey introduces STATCOM (Static Synchronous Compensator) as a solution to control voltage and provide reactive power. The conversation touches on the importance of strategically placing STATCOM devices in key transmission substations. Modernization and Flexibility in Grid Solutions Matt emphasizes the importance of working with partners and running studies to predict new load pockets and generation. Sergey highlights the flexibility and adaptability of modern STATCOM devices compared to traditional solutions. Scott and Matt discuss the need for nimble and automated solutions to meet the rapidly evolving demands of the grid. The conversation covers the role of system operators and the importance of automation in maintaining grid stability. Impact of Data Centers on Grid Stability Scott and Sergey discuss the significant demand for power from data centers and the challenges they pose to the grid. Sergey explains the unique load behavior of AI data centers, which peak within milliseconds or...
Hello and welcome to Front End Chatter, Britain's crumbliest, flakiest motorcycling podcast, brought to you by the hapless hackery of Simon Hargreaves and Martin Fitz-Gibbons, nattering endlessly on and on and on anon. We are, as always, scrutineered and scrutinised by Bennetts, Britain's Best Bike Insurer, and bikesocial.co.uk (don't need the www, but try telling legacy media that). And this month (as it turns out) on FEC, we witter about: • Suzuki's new GSX-S8T and TT (cue schoolboy giggling) • CCM going bust • Dainese in debt • global bike sales doing well, but not so much in Europe or North America, a pretty awful in the UK • why automatic gearboxes are the opposite of a guitar solo Plus much more, well, a bit... Thank you for lending us your ears, and please keep you thoughts, musings, machinations and queries to: anything@frontendchatter.com Love ya!
Listings are the key to a predictable and profitable real estate business. In this webinar, we'll walk through the system top agents use to consistently take more listings and actually get them sold. Learn the steps to attract, convert, and close more sellers with less guesswork. See the full webinar schedule at: gloveru.com/webinar Learn more about Jeff Glover, the #1 producing real estate coach in North America, and Glover U at gloveru.com.
In this second episode of our three part series, we're talking Belgians with Corbly Orndorff. Corbly Orndorff joins us to talk about how Belgians came into their own in North America and the major shifts the breed has seen over the years. We get into how the look, style, and expectations have changed—from the farm fields to the bright lights of the show ring. Corbly shares stories, insight, and a whole lot of opinion on what makes a great Belgian and where the breed is headed. There was so much information packed into this conversation, we're having to split it up into a part A and B!Thank you to our sponsors of Episode #126!Shipshewana Harness & Supplies Glenwood Snacks Pennwoods Equine Products INC. The Draft Horse Journal Saginaw Valley Equine ClinicSummit Professional ServicesDo you have suggestions for future episodes? Do you have ideas of someone we should have join us? Please send us any comments or questions to the Rinehold Tack & Western Wear mailbag at podcast@naclassicseries.com!
Send us a textDownload study notes for this chapter.Download study notes for this entire book.**********Scriptures taken from the Holy Bible, New International Version ®, NIV ® Copyright © 1973, 1978, 1984, 2011 by Biblica, Inc. Used with permission. All rights reserved worldwide.The “NIV”, “New International Version”, “Biblica”, “International Bible Society” and the Biblica Logo are trademarks registered in the United States Patent and Trademark Office by Biblica, Inc. Used with permission.BIBLICA, THE INTERNATIONAL BIBLE SOCIETY, provides God's Word to people through Bible translation & Bible publishing, and Bible engagement in Africa, Asia Pacific, Europe, Latin America, the Middle East, and North America. Through its worldwide reach, Biblica engages people with God's Word so that their lives are transformed through a relationship with Jesus Christ.Support the show
How do you move from being a contingency recruiter to winning retained searches consistently? And how do you scale your desk without doing it all yourself? In this episode of The Resilient Recruiter, industry veteran Carol Wenom shares the exact mindset shift, client messaging, and team model that helped her make that leap and increase her billings by 70% in one year. With over 40 years in engineering and technical search, Carol built a niche-dominant practice, earned preferred partner status with top clients, and served as VP and GM at Whitaker Companies. She's also a past president of the Pinnacle Society and Knapp's Hall of Fame inductee. Today, she trains recruiters through The Tanbark Group. Whether you're a solo operator or running a team, Carol's insights will help you elevate your positioning, close more retainers, and structure your desk for long-term growth.
As a father in a family is a living example of how to respond to life's challenges, so our Father God, demonstrates a life of faithfulness by keeping His promises to us. In turn, we are to mimic, to learn how to be faithful to Him and to those in our life. It is a bond, God's promise of standing with us that expresses the depth of love and honor that we in turn can do the same to those around us. Daylight Meditations is a daily podcast from CFO North America. Please visit CFONorthAmerica.org to learn more about our retreats, and online courses. If you are encouraged by this podcast, please consider supporting us.Contributors: Michelle DeChant, Adam Maddock, and Phil Reaser
In today's episode, we discuss the difference between the Workplace Health and Safety/Occupational Health and Safety regulatory regime and the Workers' Compensation regime in Canada. Subscribe to our podcast today to stay up to date on employment issues from law experts worldwide.Host: Mark Alward (email) (Taylor McCaffrey LLP / Manitoba)Guest Speaker: Jamie Jurczak (email) (Taylor McCaffrey LLP / Manitoba)Support the showRegister on the ELA website here to receive email invitations to future programs.
In this third installment from our “Christian Shadow Work” series, the conversation reveals a striking contradiction between Christian history—famous for its condemning practices—and Christ's actual relationship with human darkness. Rather than simply erasing or punishing sin, Christ demonstrates a radical integration of human brokenness into the transformative process. Like an alchemist turning lead into gold, Christ shows us how our darknesses can become the very substance of our spiritual maturation.We explore why modern spiritual paths that simply affirm "you're perfect as you are" miss something crucial about human development. Without acknowledging our shadows, we remain stuck in a static self-image rather than participating in the dynamic process of becoming. Our darkness isn't merely tolerated by divine love—it serves a purpose in our becoming fully human.The third episode of our series looks again at the nature of “shadow” or “sin” as that in the human being which hinders Divine Reality from being revealed. Humanity is still working to reveal the image of God in which we have been made. We can understand our shadows, then, as opportunities to grow and mature—parts of ourselves that need to be acknowledged, understood for what they are, and transformed over time. How does Christ Jesus relate to the sin of humanity? He demonstrates for us the path of salvation by taking up the cross, suffering, dying and being raised again by the Father. We can take up our own sin with Him and walk the same path.Support the showThe Light in Every Thing is a podcast of The Seminary of The Christian Community in North America. Learn more about the Seminary and its offerings at our website. This podcast is supported by our growing Patreon community. To learn more, go to www.patreon.com/ccseminary. Thanks to Elliott Chamberlin who composed our theme music, “Seeking Together,” and the legacy of our original show-notes and patreon producer, Camilla Lake.
Do you remember where you were when Shane McMahon appeared on Monday Nitro? Do you remember the excitement of seeing WCW and ECW stars on WWF television for the first time? The WWE Invasion was a time of dream matches and "what ifs." It was a storyline that, for all its flaws, created some of the most memorable moments of the era. From Rob Van Dam's incredible Hardcore Championship win to the jaw-dropping conclusion of the "Inaugural Brawl," it was a night that had us all talking. If you want to relive that chaotic and exciting time in wrestling history, then you need to check out our latest episode of Legends and Champions. We're breaking down the entire Invasion pay-per-view, from the opening bell to that shocking finale. Thank you for checking out this podcast! Join us every week for FREE podcasts including: McGuire on Wrestling - Sundays featuring news, interviews, weekly analysis from The Wrestling Observer's Dave Meltzer and others. The Alternate Commentary Table: Calgary's Mitch Hontzias and Dimitri Korolis bring you a hilarious, fan-based sports-talk style review of the week of wrestling on TV in North America and more! To hear these shows and more for FREE, just subscribe wherever you're hearing this now, or visit www.celebratewrestling.com
For over four decades Richard Rose has been a leading innovator in the national and international natural food industry with products such as TofuRella, Cottage Tofu Salad and LeTofu. In 1994, Richard pivoted from soybean to hempseed, an older and far more nutritious protein source. He was the first food professional in hemp foods in North America, and he paved the way for those he inspired.By 2002 when the U.S. market for hempseed collapsed for years due to an ill-advised suit by a fiber group against the DEA for legalizing 98% of all hemp products, Richard retired to Amsterdam for a spell and returned to Colorado where he currently resides. Richard's story is unique and will cause you to think past the surface.People suffer for lack of knowledgeEverything ChangesThis Life Is Far More Amazing & Supernatural than it is advertised to beKeep Moving ForwardLove One Another
On June 23, Sons of the Revolution in the State of New York, Inc. commemorated the 250th anniversary of the Battle of Bunker Hill with a reception and lecture by Dr. Samuel A. Forman*, author of Dr. Joseph Warren: The Boston Tea Party, Bunker Hill, and the Birth of American Liberty. At the 250th anniversary of the outbreak of the Revolutionary War, we recall the Battle of Bunker Hill, whose carnage and sacrifice set the stage for eight long years of war. What began as a dispute to assert British Constitutional rights within colonial North America, with New England often on the point of controversy, would eventually morph into a new country, with new forms of representative and accountable government. Joseph Warren was an outstanding personality from the early and formative Revolutionary period. A physician, Mason, editorial writer and high Son of Liberty, Warren espoused an aspirational view of what America could and should be. Warren entered the national spotlight as more visible Patriot leaders left for the Continental Congresses in 1774 and 1775. From writing the stirring Suffolk Resolves, to delivering riveting speeches, dispatching Paul Revere on that Midnight Ride, leading the Massachusetts Provincial Congress, and coordinating the Siege of Boston in its earliest phase, Joseph Warren was often at the forefront. When it had become apparent that the dispute with England would be decided by force of arms, Warren became a militia organizer. Declining a medical role for that of a soldier, he fought valiantly at Bunker Hill. By 1776, following the 9-month Siege of Boston, the war would come to New York with a vengeance and with the outcome far from certain. This special 250th lecture was recorded on Tuesday, June 23, 2025. *The views of the speakers are their own and do not necessarily represent the views of Sons of the Revolution℠ in the State of New York, Inc. or its Fraunces Tavern® Museum.
Lord, Open My Lips is a daily devotional produced by Fr. Josh Fink and John Caddell in association with All Souls Church in Lexington, South Carolina. New devotionals are available every day. More information can be found at allsoulslex.org/dailyprayer.Original music is composed and recorded by John Caddell. Our liturgy is based on "Family Prayer" from the Book of Common Prayer (2019), created by the Anglican Church in North America and published by the Anglican Liturgical Press. Used by permission. All rights reserved. Scripture quotations are from The ESV® Bible (The Holy Bible, English Standard Version®), copyright © 2001 by Crossway, a publishing ministry of Good News Publishers. Used by permission. All rights reserved.
Lessons from North America. With Marissa Adams, Regional Head of Europe and Americas, Global Trade Solutions and Melissa Hotzoglou, Head of Corporate Sales, US Markets and Securities Services, HSBC
Joe Pardavila is joined by Judy McCutcheon, CEO of Go Blue Consulting and author of Unfiltered and Unapologetic, for a raw and inspiring conversation about reclaiming authenticity in a world that often demands self-sacrifice. Judy opens up about her journey from growing up in Tobago as one of ten children in a single-parent household to becoming a global leadership consultant, sharing how her mother's resilience and a near-death medical emergency reshaped her outlook on life. Dive into discussions on balancing unapologetic truth-telling with kindness, the critical role of self-awareness in leadership, and why intention matters more than blunt honesty in the workplace. Judy also reveals how cultural empathy—and a love of food—fuels her consulting work across the Caribbean, North America, and beyond. Whether you're navigating leadership challenges, seeking empowerment, or curious about breaking cycles of self-doubt, this episode is a masterclass in living boldly—and kindly. Tune in for stories that will challenge your perspective and practical insights to transform your personal and professional life.
In the first of our 8-part summer series produced in partnership with CommerceNext, our guest is Ken Pilot—retail executive, tech investor, and host of The Retail Pilot: Leaders & Legends podcast.Ken's legendary career spans decades and includes pivotal roles such as President of Gap Global, Factory Stores at Ralph Lauren, and leadership positions at J.Crew, American Eagle, and ABC Carpet & Home. He takes us behind the scenes of launching Gap Outlet, transforming a single underperforming store into over 100 high-margin locations in just 36 months, ultimately making it the most profitable division at Gap. The conversation then shifts to current macro challenges, particularly tariffs and global sourcing. Ken unpacks the "tariff math" few are talking about, warning that even modest increases could wipe out 10 points of margin, especially for smaller brands without pricing power or manufacturing flexibility. He anticipates a hit to Southeast Asia, outlines strategic moves by companies like Gap to diversify sourcing, and speculates on the economic implications for North American retail.Next, Ken delves into the retail tech landscape, providing a forward-looking perspective on Generative Engine Optimization (GEO), the emergence of natural language search, and how retailers must adapt both on-site and externally to remain visible and competitive. He highlights the companies he's advising and investing in, including "Curated For You" (an AI-driven occasion-based merchandising platform) and "Raspberry AI" (tools that help designers iterate visuals from sketches to campaign-ready assets). He also discusses the creative tension AI can introduce and how forward-thinking teams are adapting.Finally, we examine the potential of Retail Media Networks (RMNs) as an underutilized profit stream, particularly in a high-cost, low-margin environment. Ken balances caution with optimism, emphasizing the need for retailers to experiment, remain agile, and stay laser-focused on the customer and core product offering. About UsSteve Dennis is a strategic advisor and keynote speaker focused on growth and innovation, who has also been named one of the world's top retail influencers. He is the bestselling authro of two books: Leaders Leap: Transforming Your Company at the Speed of Disruption and Remarkable Retail: How To Win & Keep Customers in the Age of Disruption. Steve regularly shares his insights in his role as a Forbes senior retail contributor and on social media.Michael LeBlanc is the president and founder of M.E. LeBlanc & Company Inc, a senior retail advisor, keynote speaker and now, media entrepreneur. He has been on the front lines of retail industry change for his entire career. Michael has delivered keynotes, hosted fire-side discussions and participated worldwide in thought leadership panels, most recently on the main stage in Toronto at Retail Council of Canada's Retail Marketing conference with leaders from Walmart & Google. He brings 25+ years of brand/retail/marketing & eCommerce leadership experience with Levi's, Black & Decker, Hudson's Bay, CanWest Media, Pandora Jewellery, The Shopping Channel and Retail Council of Canada to his advisory, speaking and media practice.Michael produces and hosts a network of leading retail trade podcasts, including the award-winning No.1 independent retail industry podcast in America, Remarkable Retail with his partner, Dallas-based best-selling author Steve Dennis; Canada's top retail industry podcast The Voice of Retail and Canada's top food industry and one of the top Canadian-produced management independent podcasts in the country, The Food Professor with Dr. Sylvain Charlebois from Dalhousie University in Halifax.Rethink Retail has recognized Michael as one of the top global retail experts for the fourth year in a row, Thinkers 360 has named him on of the Top 50 global thought leaders in retail, RTIH has named him a top 100 global though leader in retail technology and Coresight Research has named Michael a Retail AI Influencer. If you are a BBQ fan, you can tune into Michael's cooking show, Last Request BBQ, on YouTube, Instagram, X and yes, TikTok.Michael is available for keynote presentations helping retailers, brands and retail industry insiders explaining the current state and future of the retail industry in North America and around the world.
Seller leads are out there, you just might be looking in the wrong places. In this webinar, we'll uncover five often overlooked sources of seller leads and show you how to tap into them with simple, effective strategies. Perfect for agents who want more listings without chasing cold leads. See the full webinar schedule at: gloveru.com/webinar Learn more about Jeff Glover, the #1 producing real estate coach in North America, and Glover U at gloveru.com. Download the Glover U app: https://tinyurl.com/GloverUapp Follow Glover U: • Facebook: https://www.facebook.com/GloverU • Instagram: https://www.instagram.com/gloverucoaching/ • LinkedIn: https://www.linkedin.com/company/glover-u • Website: https://www.gloveru.com • Inner Circle (free weekly content): https://www.facebook.com/groups/gloveruinnercircle/
Send us a textDownload study notes for this chapter.Download study notes for this entire book.**********Scriptures taken from the Holy Bible, New International Version ®, NIV ® Copyright © 1973, 1978, 1984, 2011 by Biblica, Inc. Used with permission. All rights reserved worldwide.The “NIV”, “New International Version”, “Biblica”, “International Bible Society” and the Biblica Logo are trademarks registered in the United States Patent and Trademark Office by Biblica, Inc. Used with permission.BIBLICA, THE INTERNATIONAL BIBLE SOCIETY, provides God's Word to people through Bible translation & Bible publishing, and Bible engagement in Africa, Asia Pacific, Europe, Latin America, the Middle East, and North America. Through its worldwide reach, Biblica engages people with God's Word so that their lives are transformed through a relationship with Jesus Christ.Support the show
A Jurassic Park clip at an audio-visual store in Indianapolis got Seth Little thinking about smart homes as a teenager in the 1990s. That moment led him to a career in energy efficiency. Today, he's the director of market development and partnerships at CLEAResult, one of North America's largest energy efficiency implementation firms.Seth has a provocative take on the energy transition: attic insulation is a grid-responsive asset. While the industry has been moving toward digital solutions, Seth argues that traditional efficiency measures should complement, not replace, active technologies. Unlike demand response programs that require internet connectivity, a well-insulated attic is always working to reduce peak demand—and it's often more cost-effective than deploying multiple digital systems.This week on With Great Power, Seth explains why we need a full set of solutions to achieve grid responsiveness, how high-resolution meter data is changing program design, and why utilities need to do more with customer data.With Great Power is a co-production of GridX and Latitude Studios.Subscribe on Apple, Spotify, or anywhere you get podcasts. For more reporting on the companies featured in this podcast, subscribe to Latitude Media's newsletter.Credits: Hosted by Brad Langley. Produced by Erin Hardick. Edited by Anne Bailey. Original music and engineering by Sean Marquand. Stephen Lacey is executive editor. The Grid X production team includes Jenni Barber, Samantha McCabe, and Brad Langley.
Send us a textWork with Jordan personally at www.ecommerceos.coWork with social commerce club at www.socialcommerceclub.comGet 27 strategies in 27 days at https://socialcommerceclub.com/pages/27-strategiesJoin Tiktok shop elites mastermind at https://www.skool.com/tiktokshopelite/aboutUnlock the secret behind TikTok Shop's explosive growth in 2025! In this action-packed 10-minute deep dive, Jordan West—founder of Social Commerce Club (one of North America's top TikTok Shop agencies)—walks you through everything you need to know to turn TikTok Shop into the heartbeat of your brand:Why TikTok Shop Is More Than “Just” SalesDiscover how TikTok Shop powers your content, supercharges brand awareness, and drives traffic all the way to your website, Amazon listings, Meta ads, and beyond.See real-world examples of the “halo effect” in action: even if someone doesn't check out through TikTok Shop, that first touch sends them to purchase everywhere else.The $250K “Small Creator” Case StudyLearn how a creator with under 10K followers generated $250,000 in gross merchandise value—no fancy studio, no big budget, just smart seeding and creator-led incentivization.Get the step-by-step breakdown: how we shipped samples, identified unicorn videos, and sparked ad spend behind winning content.Jordan's 8-Step Full-Funnel FrameworkSeed 100 samples → Spot the top 20 videos → Scale the top 4 unicorns with Video Shopping Ads → Repurpose UGC across Meta, YouTube, Shopify PDPs, Amazon listings → Build a creator community on retainers → Signal the winning metrics (CTR, CPM, watch-time) → Reinvent your landing pages with creator styling → Unify all channels around one core content engine.Each step is packed with tactical “playbook” advice you can implement today.Insider Tactics to Find, Nurture & Reward Unicorn CreatorsWhere to look for high-converting talent, how to structure retainers and affiliate deals, and why shifting from “influencer” to “salesperson” mindset unlocks unlimited scale.Bonus: Co-Branded Creator FunnelsSee how to build dedicated landing pages featuring your top creators' UGC, complete with affiliate codes and white-listed traffic campaigns—an authentic, trust-driven strategy that's currently crushing ROAS for multiple brands.Whether you're an e-commerce founder mapping out your 2025 growth plan, a marketing manager looking to unlock new awareness channels, or an agency pro eager to add cutting-edge playbooks to your roster, this video is your blueprint for creator-powered commerce at scale.
The solar industry faces its biggest challenge yet - will it survive the gutting of the Inflation Reduction Act?Tim Montague sits down with Marc Palmer, founder and CEO of Conductor Solar, to discuss the current state of solar financing and how the industry is changing in light of threats facing our industry.In this episode, you'll discover how the "Big Beautiful Bill" could shrink the solar market by 46% between now and 2030, and why industry leaders are shifting to survival mode. Marc shares exclusive insights from his conversations with top developers, IPPs, and financing providers at the Expo, revealing how they're adapting their strategies in these uncertain times.Key Topics Covered:The potential $2.4-5 trillion impact of budget reconciliation on national debtHow solar companies are focusing on quality over quantity to weather the stormMidwest Solar Expo takeaways and industry sentimentState incentives becoming critical as federal support wanesThe AI-driven energy demand boom creating a "Clash of Titans"Dean Solon's revolutionary Create solar technology with 3,000-volt modulesITC transfers and M&A opportunities in the middle marketWhy energy independence arguments may save solar despite political headwindsMarc provides a rare insider's perspective on how financing providers are adding conservatism to their pricing, why developers are rushing to safe harbor projects, and what the consolidation wave means for smaller players in the market.Whether you're a solar developer, installer, investor, or policy maker, this episode delivers the real-world intelligence you need to navigate these turbulent times. Don't miss Marc Palmer's predictions on why solar can emerge stronger after a likely contraction that is starting now.
On this July 4th, 2025, and America celebrates 249 years of independence and Canada marks Dominion Day, Richard exposes a globalist plot to erode sovereignty through digital currencies, censorship, and energy sabotage. From Mark Carney's technocratic schemes to Trudeau's control mechanisms, the West faces annexation by stealth. Can Canada and the U.S. unite as a Fortress North America to defy Davos and Beijing? Learn more about your ad choices. Visit megaphone.fm/adchoices
Welcome back to another thought-provoking episode of Tank Talks! In this episode, Matt Cohen and John Ruffolo cut through the noise to unpack the latest economic headlines and policy shifts reshaping North America's business landscape. From Canada's surprise repeal of the Digital Services Tax to Brookfield's launch of an evergreen private equity fund, this episode dives deep into the forces driving change in trade, finance, and innovation.Will Canada's late-stage policy reversal strengthen its position in U.S. trade talks? Are evergreen funds the next big wave in private equity? And how will digital-only banks and stablecoins reshape the future of finance? Tune in for all that and more!Canada's Digital Services Tax Repealed at the 11th Hour (00:14)Just hours before the June 30th collection date, Canada repealed its controversial 3% digital services tax to clear the runway for renewed trade negotiations with the U.S. Matt and John unpack the political optics, the timing missteps, and why this repeal might've come too late to score real leverage in the upcoming Carney-Trump summit.Trade Tensions and a Pivot Away from U.S. Exports (02:50)With U.S. tariffs still biting Canadian industries like steel, aluminum, and autos, exports to non-U.S. markets jumped 5.7% in May. John analyzes the long-term risks and what a 10% tariff “compromise” could mean for Canadian trade policy moving forward.Brookfield's Evergreen Fund: Liquidity vs. Strategy (06:37)Brookfield's launch of a new evergreen private equity fund is raising eyebrows. These liquid investment vehicles are tailored for high-net-worth investors, but could they undermine Brookfield's traditional closed-end funds? Matt and John discuss the tradeoffs and potential disruption to institutional capital models.Stablecoins, Erebor & The Future of Banking (10:53)With the launch of Erebor, a new U.S. digital-only bank backed by Palmer Luckey, Peter Thiel, and Joe Lonsdale, the open banking revolution is heating up. But will Canada get left behind amid regulatory hesitations? The duo explores how stablecoins and crypto-native banks are reshaping the financial ecosystem.The “Big Beautiful Bill”: Trillions in U.S. Spending (13:56)At nearly 1,000 pages and $4.85 trillion, the latest U.S. tax and spending package is a behemoth. John calls out some of the more controversial provisions, like Section 899, a “revenge tax” aimed at foreign investors, and weighs in on what this means for the U.S. deficit and global investment climate.Figma Files to Go Public: A Product-Led Rocketship with a Caveat (16:49)Figma's S-1 filing reveals eye-popping growth: $750M in 2024 revenue, 91% gross margins, and 90% of the Fortune 500 on board. But one number raised eyebrows, its definition of net revenue retention. Is the 132% figure misleading? Matt and John dissect the metrics and what investors need to know.Anthropic & OpenAI's Revenue Explosion (19:39)AI darlings Anthropic and OpenAI are shattering expectations, with annualized revenues of $4B and $10B, respectively. What's fueling this growth, and is it sustainable? Matt and John assess the trajectory and strategic implications for the broader AI race.Meta's Talent War: $300M Signing Bonuses & AI Domination (20:30)Meta's aggressive push into AI includes poaching top OpenAI talent with eye-watering offers reportedly reaching $300M. Is this visionary investing, or panic-mode recruiting? The conversation digs into the implications of Meta's superintelligence ambitions and the high-stakes battle for AI supremacy.Microsoft Layoffs: AI Efficiency or Budget Strategy? (22:52)With Microsoft cutting 9,000 jobs, questions swirl around whether AI-driven efficiencies or strategic capital reallocation are the real drivers. John shares his take on what this means for enterprise software, consulting firms, and the future of knowledge work.As the tides of global economics, innovation, and technology continue to shift, Tank Talks is your front-row seat to the big moves shaping our world. Don't miss this jam-packed episode!Connect with John Ruffolo on LinkedIn: https://ca.linkedin.com/in/joruffoloConnect with Matt Cohen on LinkedIn: https://ca.linkedin.com/in/matt-cohen1Visit the Ripple Ventures website: https://www.rippleventures.com/ This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit tanktalks.substack.com
Synopsis: When an introverted engineer becomes the President & CEO of REGENXBIO, transformation follows. Curran Simpson joins host Rahul Chaturvedi to unpack his unlikely journey from biotech operations to the C-suite—and how that hands-on experience is reshaping gene therapy's future. They dive into the evolution of REGENXBIO's pipeline, tackling ultra-rare diseases like MPS II, ambitious plans for Duchenne Muscular Dystrophy, and commercial partnerships with giants like AbbVie. Curran offers hard-earned leadership lessons, honest reflections on scaling science, and insights into how one-time gene therapies could revolutionize treatment in both rare and common diseases. From clinical nuance to strategic boldness, this is a masterclass in biotech leadership, platform focus, and staying patient-first—no matter how complex the science or market. Biography: Curran M. Simpson is the President and Chief Executive Officer and member of the Board of Directors at REGENXBIO. Mr. Simpson previously served as the Company's Chief Operating Officer. In that role, he led key business functions including Research & Clinical Development, Corporate Strategy, Manufacturing & Quality, Regulatory, and Commercial Operations. Mr. Simpson joined REGENXBIO in 2015 with extensive leadership experience across biopharmaceutical operations and served as the Company's Chief Technology and Operations Officer before becoming COO. Prior to joining REGENXBIO, he was the Regional Supply Chain Head for North America and Interim Chief Operating Officer at GlaxoSmithKline (GSK). Mr. Simpson earlier served as interim CEO of Human Genome Sciences (HGS), where he led the integration of HGS into GSK, and as Senior Vice President of Operations and Vice President of Manufacturing Operations at HGS. Prior to HGS, Mr. Simpson was Director of Manufacturing Sciences at Biogen. Earlier in his career, Mr. Simpson served in an overseas assignment at Novo-Nordisk Biochem in Denmark and in various senior development and engineer roles at Genentech, working on Herceptin and Avastin, among other roles. Mr. Simpson has an M.S. in surface and colloid science from Clarkson University and a B.S. in chemistry from the Clarkson College of Technology.
(image source: https://makerworld.com/en/models/767570-shantungosaurus) Host Matthew Donald and guest co-host Stephen Curro discuss Shantungosaurus, a big big BIG duckbilled dinosaur, and in fact the biggest non-sauropod dinosaur ever! Then again, I'm the biggest guy named Matthew who's written a book called Megazoic. Probably, anyways. From the Late Cretaceous, this 56-foot saurolophine hadrosaurid dealt with its own Chinese version of T. rex called Zhuchengtyrannus, making it a prequel of sorts to the T. rex and Edmontosaurus dynamic of North America. That's what the best follow-up installments of classics do; take the original characters, and put them in Asia. Want to further support the show? Sign up to our Patreon for exclusive bonus content at Patreon.com/MatthewDonald. Also, you can get links to follow Matthew Donald and purchase his books at https://linktr.ee/matthewdonald. His latest book, Teslamancer, just released August 27th! And mild spoiler alert... there are kind of dinosaurs in it... mwuahahaha. Hosted on Acast. See acast.com/privacy for more information.
Of all the expressions of emotions we have, love seems to be the easiest and the hardest to share. The well-known chapter, 1 Corinthians 13 is used to describe the way to live yet we find it unattainable, because we try to do it rather than letting Jesus do it through us. The branch doesn't produce fruit- the the branch bears the fruit produced by the Vine. Daylight Meditations is a daily podcast from CFO North America. Please visit CFONorthAmerica.org to learn more about our retreats, and online courses. If you are encouraged by this podcast, please consider supporting us.Contributors: Michelle DeChant, Nancy Holland and Adam Maddock
Scaling Smart: Private Equity, Profit & Purpose Guest: John Brooks, CEO of Warehouse on Wheels Host: Marcia Riner, Profit Booster® | PROFIT With A Plan Podcast Episode Runtime: 33 mins Tags: private equity, business growth strategy, business exit, scaling operations, stakeholder ROI, team ownership, trailer rentals
Leif Erickson led the first European expedition to North America around the year 1000. It's difficult to determine how far inland they traveled, and their settlements were abandoned after a short time. Many centuries passed before Scandinavians began arriving in the New World in large numbers.
In this episode of Talk Commerce, Michael von Bodungen, the General Manager of VTEX North America, discusses the evolution and unique offerings of VTEX, including its order management and marketplace capabilities. He shares insights on the MACH Alliance, the importance of simplicity in enterprise e-commerce, and predictions for the future of commerce, particularly regarding agentic buyers and B2B transactions. The conversation emphasizes the need for businesses to focus on outcomes rather than complex architectures.TakeawaysMichael von Bodungen is the General Manager for VTEX in North America.VTEX has a unique offering with both OMS and marketplace capabilities.The MACH Alliance focuses too much on architecture rather than business outcomes.Simplicity is key in enterprise e-commerce solutions.Not all businesses need a headless solution.VTEX aims to provide a comprehensive platform for digital commerce.The future of commerce may involve AI and agentic buyers.B2B transactions are likely to see significant changes with technology advancements.Businesses should focus on the total cost of ownership when choosing platforms.VTEX is open to partnerships and collaborations with other systems.Chapters00:00Introduction to VTEX and Michael von Bodungen02:17The History and Growth of VTEX04:43Insights on the Mock Alliance and Business Outcomes09:03Simplifying Complexity in Enterprise Solutions15:14Unique Features of VTECS: OMS and Marketplace17:58Future Trends in Commerce and Agentic Technology
Dave and Chris talk about their recent trip to Mexico City, with culinary highlights and some classic foreigner faux pas. Dave then interviews chef Enrique Olvera of the acclaimed two–Michelin starred Mexico City restaurant Pujol and beyond. They talk about Mexico City as a food city, tacos, and Enrique's signature mole dish, one of the best dishes in North America—maybe the world. Dave and Chris finish with a MOIF. Get Enrique's book here: https://www.phaidon.com/store/cookbooks-food-and-drink/sunny-days-taco-nights-a-cookbook-9781838669881/ Watch Dave on Amazon's NASCAR coverage here: https://www.youtube.com/watch?v=VrMYc23DFrg Learn more about Pujol: https://pujol.com.mx/ Learn more about Taquería El Califa: https://elcalifa.com.mx/ Learn more about Taquería Orinoco: https://taqueriaorinoco.com/ Learn more about Chambao Polanco https://www.chambaorestaurant.com/restaurante-de-carnes-en-polanco?utm_source=organic&utm_medium=gmb&utm_campaign=chambaopolanco Learn more about Licorería Limantour: https://limantour.tv/ Learn more about ULTRAMARINOS DEMAR: https://demar.rest/ Learn more about Quintonil: https://quintonil.com/en/home-3/ Learn more about Handshake Speakeasy: https://handshake.bar/ Learn more about Dave Arnold's Booker & Dax: https://www.bookeranddax.com/ Learn more about Caldos D'Leo: https://caldosdleo.mx/ Learn more about Caldos de Gallina Luis: https://www.instagram.com/caldosdegallinaluis/?hl=en Learn more about Máximo: https://www.maximobistrot.com.mx/en/ Learn more about Tacos Los Caramelos: https://www.instagram.com/taquerialoscaramelos/?igshid=YmMyMTA2M2Y%3D Send in your questions to https://forms.gle/wdPsZBXXx48Zq4vu8 or askdave@majordomomedia.com. Subscribe to the show on YouTube: https://www.youtube.com/@thedavechangshow. Subscribe to Recipe Club on YouTube: https://www.youtube.com/@recipeclubofficial. Submit your favorite food moments in your favorite movies to majorfoodporn.com. Join our community Discord on majordomo.com. Hosts: Dave Chang and Chris Ying Guest: Enrique Olvera Majordomo Media Producers: Kelsey Rearden and David Meyer Engineer: Chris Thomas, Felipe Guilhermino Editor: Stefano Sanchez Learn more about your ad choices. Visit podcastchoices.com/adchoices
Jeff Stanfield and Andy Shaver are joined by Dr. Mike Brasher, Senior Waterfowl Scientist for Ducks Unlimited, for an in-depth conversation on the state of North America's waterfowl. Mike shares insights from a recent Canada goose banding project, breaks down the latest report on declining bird populations in the U.S., and explains how changes in migration patterns and duck genetics are shaping the future of waterfowl management. The guys also look ahead to the upcoming migratory bird report and what hunters can expect moving forward.
Register here for the live online event to learn about ‘Unlocking BRRRR Deals in Little Rock on Thursday, July 17th at 8PM Eastern. Keith discusses the competitive nature of short-term rentals (STRs) and the need for hosts to offer luxury amenities to attract guests. Long time investing pro, Alex, joins us to cover the BRRRR strategy in Little Rock, Arkansas, an investor-advantaged market, emphasizing its low property taxes and stable cash flow. They explain the BRRRR process, including: buying, renovating, renting, refinancing, and repeating. The strategy allows investors to scale their portfolios with minimal initial capital, offering a 0% management fee in year one and 4% in year two. Resources: Register here for the live online event to learn about ‘Unlocking BRRRR Deals in Little Rock on Thursday, July 17th at 8PM Eastern. Show Notes: GetRichEducation.com/561 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: Automatically Transcribed With Otter.ai Keith Weinhold 0:01 Welcome to GRE I'm your host. Keith Weinhold, anymore when you own short term rentals like Airbnbs and vrbos, you are in an all out arms race competing to provide amenities like never before. Then what happens when you take the popular burr real estate strategy and overlay it with one of the most investor advantaged markets in all of America. It's a lucrative opportunity. You'll see how and why today on get rich education. Keith Weinhold 0:32 Mid south home buyers, I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis and have globally attractive cash flows, an A plus rating with the Better Business Bureau, and now over 5000 houses renovated their zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter. Remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis. Get to know mid south enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid southhomebuyers.com Speaker 1 1:58 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 2:14 Welcome to GRE from North Conway, New Hampshire to North port, Florida and across 188 nations worldwide. I'm Keith Weinhold, and this is get rich education, happy July, the second half of the year. And my favorite month of the year is your Airbnb fancy enough, because anymore STRS short term rentals have gotten so competitive that hosts treat their properties like white lotus level hotels. Now, STRS were never passive, but they become even less so it is active income. Once upon a time, Airbnb hosts could just sort of drop a few colorful throw pillows on their fold out couch and make a killing. But no more those days are so far gone. The STR game has changed drastically. I mean, you used to be able to list a basic home with generic furniture that you got at Costco, minimal amenities, no Wi Fi, and still get it booked, but today, it will sit empty unless you offer more than just a place to sleep. You have to build an experience for Airbnb guests. Now, increasingly, hosts are doing things like adding outdoor kitchens, arcade machines, putting greens, even basketball. And now, though these upgrades do cost a lot up front, they can pay off. These amenity types can double your nightly rate, but they come with more responsibility and more to maintain. I mean, more guests are expecting a flawless experience. The trend is that Airbnbs are becoming full scale hospitality operations, and if you don't treat it like one, you're going to fall behind. So simply having a nice house that just no longer cuts it, running a short term rental today is nothing like it was even two or three years ago. You used to be able to stand out with a decent bed and colorful throw prolos, but now guests are basically comparing your place to boutique hotels. Hosts are deeply investing in design, forward furniture, layered lighting and featuring spaces that some market as what they call moments like cozy reading corners in these luxurious bathroom setups, adding things like welcome guides and even complete brand identities with a proper. Name and even a logo and a story to give the place some personality, even writing up a history for your property, even if it's not that historic. Now, these sorts of tactics, they actually do, seem to work. Guests will give you more bookings, better reviews, and guests even share the space on social media like it's somewhat of a lifestyle destination now sometimes STR hosts, they team with these other platforms to add welcome champagne in ice buckets on site, sommeliers, private chefs, daily, housekeeping on demand. 24/7 textable concierges, heated plunge pools and other amenities through you partnering with some of these platforms and these upgrades don't come cheap. The publication called the playbook, they featured an STR in Sag Harbor, New York, where the property owner invested $85,000 into overhauling the landscaping and adding a James Turrell Inspired LED light installation. But overall, these improvements boost rental revenue by an average of 40% over what the property was collecting previously. All right, so this is a case study now, though, this STR trend of offering deep hospitality and luxury amenities has turned into more of a job and less about passive income. You know, really, this is free market capitalism, because this is competition to see who can provide the best service at the lowest price, but that's what it is. So this is making real estate less of a good and more of a service. Short term rentals soaring supply, day rate compression and AI driven pricing tools. That means that the just this all nice house with good photos thing that no longer cuts it. It is an amenities arms race now, and of course, this is a national trend. It doesn't mean that it's happening absolutely everywhere. In some places, hosts are able to charm guests simply with something like a freshly baked loaf of banana bread, but the consensus is whether they spend a little or a lot, Airbnb hosts unanimously say that they've got to work harder in order to keep guests happy. It's become more of a business and less of a side hustle than it used to be. You've got more hosts leaning into higher upfront investments because they know guests will pay for a sort of turnkey, Instagrammable experience. And this really is a classic early adopter issue, just like a lot of things, Airbnb launched in 2007 by the way, so this sort of first wave of Airbnb hosts back around 2012 to 2015 they were riding a blue ocean back then. There was virtually no competition. There weren't any standards, and there were plenty of bookings, and that made a lot of hosts pretty fat and happy. But that's not where we are now, really. The bottom line is that in many markets, short term rentals have transitioned from partial passivity to all out hospitality. That's the Airbnb arms race. The average Airbnb nightly rate for North America. Do you care to venture a guess at the average nightly rate? It is approximately $216 per night, and that right there is up 26% from 2020 so it is not up as much as house prices over that five year period from 2020 really, the Airbnb rate is up about as much as the long term rental rate. Keith Weinhold 8:58 While we're talking numbers a quarter recently ended. Let's hit on our asset class rundown. What's happened to home prices in the past year? Well, when you aggregate all these sources, Zillow, Freddie, Mac case, Shiller, FHFA, in totality, home prices are up 2% single family rents are up 3% apartment rates are down 1% due to their oversupply. The 30 year mortgage rate was 6.9% a year ago, and it's 6.8 now. CPI inflation is 2.4% expressed in year to date terms. Now the SP5 100 is up 5% in the first half of this year, ending near 6200 the dollar is down. That means that it takes more of them to buy gold, which is over $3,300 an ounce, gold is up 27% just from the start of this year, and the oil price is still depressed in the 60s. Per dollar for a barrel, Bitcoin still strong, ending the quarter at 106kthat's your asset class rundown, which we do about quarterly. Keith Weinhold 9:57 Hey, I really enjoyed meetingside. Of you on this year's terrific real estate guys Investor Summit at sea was concluded about a week ago. It was two days on land in Miami, followed by a week of conferences and fun aboard a Caribbean cruise ship. I really got to meet you and get to know you, because we had nine days together, and as one of the faculty members, I hosted a table at dinner every night, and each night the attendees rotated around to my table, so I got to meet a lot of you and really get to know you, and you got to know me. Yeah, it was as interesting for me to meet you in person, perhaps, as it was for you to meet me, because I like to hear what you're doing in real estate, investing, in everything else. I gave a main stage presentation that was almost an hour of all me, all GRE and also served on five different panel discussions. Oh, it's such a unique event. Get this, I was kind of dressed up to give my main stage presentation, which so many of you, by the way, told me afterwards, that that was your favorite presentation of them all, all week long, because each faculty member made a main stage presentation. But what I want to tell you is, just a few hours after I presented, on the cruise ship, I was shirtless in the water throwing a football around at the beach in St Thomas Virgin Islands. What an event. Fantastic to meet a number of you in person. So far today, I hope what I've shared with you has been informative. Next. It's something informative and really actionable that you can make lucrative that's next. I'm Keith Weinhold. You're listening to get rich education. Keith Weinhold 11:45 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 Caeli Ridge personally, while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com. Russell Gray 12:16 You know what's crazy 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 lock ups 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 to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866. Russell Gray 13:30 Hi. This is Russell Gray, co host of real estate guys radio show, and you're listening to get rich education with Keith Weinhold, don't quit your Daydream. You Keith, Keith Weinhold 13:38 welcome back to get rich Education. I'm your host. Keith Weinhold, we're talking to a guest not only about an investor advantaged market, but when you overlay a certain strategy with it, this can be highly lucrative for investor returns, and we're with a long time investing pro Alex, welcome onto the show. Alex Craig 14:04 Hi Keith, thank you. Keith Weinhold 14:05 Well talking about top US cashflowing market, let's get right to it. Tell us about yours. Alex Craig 14:11 Little Rock, Arkansas. It's a market that we've been in since 2012. I personally invest there. I've got about 75 doors of multi family, single family. And the reason why it works is just cash flow. Over the years, we've had investors from around the country that have owned portfolios where maybe they're somewhere in Phoenix or Dallas, where they're kind of speculating. This is not a speculation market, and that's why it works for myself. It's consistent. It's very linear, and linear is a word that we use a lot to describe. And if you're going to be a cash flow investor, and that's why I'm in it, it's you want a linear market. You don't want ups or downs, and then you want to make sure it's a growing market too. And Little Rock checks all the boxes of what you would want in a stable cash flow environment market. Keith Weinhold 14:57 And I think a lot of our investor listeners are. Already pretty keen on that. You get a high ratio of rent income to purchase price. You have laws that heavily favor landlords over tenants. But Alex, in today's environment, people are more conscious about rising operating expenses and higher mortgage expenses, and that's really one advantage that Arkansas can give right now, is with those low property taxes Alex Craig 15:20 Keith,it's so interesting you mentioned that because I did have a conversation with a client of ours that had a property in another market that he had mentioned how his property taxes had gone up and gone up substantially, which that's to expect. I mean, after COVID, there was a lot of markets saw a huge boost, especially with markets that saw hedge funds come in. Hedge Funds, I believe, ruined a lot of markets, raised the prices. And another reason I like Little Rock, it flies under the radar. You think is Little Rock is a small market, but it's really not. It's, I mean, the population of the city is 250,000 but the metro area, which is a 50 mile radius around Little Rock, is much bigger. And the entire, not only the entire market, metro area, feeds off little rock, really, the entire state does too. But that being said, because it's floating under the radar, the property tax have remained low. They've taken a little bit of bump over the years, because the values steadily go up, but they started low anyway. So with operating costs of insurance, insurance has gone up for a lot of for my own properties in other markets, it's going up, and it's going up in Little Rock too. I mean, it's just the name of insurance, but property taxes have remained low. They've always been low, and that's really a big help as to why this market works for us. Keith Weinhold 16:30 Talking about flying under the radar, you're talking about, therefore evading a lot of that hedge fund money. Tell us more about the market and some of those anchors and drivers. Alex Craig 16:40 It's a blue collar town. You've got logistics. Is a market, or is a segment of the industry that has really come on strong over the last few years, Amazon has really put a footprint in the market. Healthcare is a huge, huge market, like I mentioned earlier, not only does the region feed off the direct to the entire state, it's the hub of healthcare for the entire state of Arkansas, of course, it's government. Government provides a lot of jobs. The good thing about government jobs is they're maybe not on a national level anymore, but on a local, state level, they're very it's hard to get let go from a government job, unless now, not on a federal level, but it's very steady, so a lot of steady blue collar jobs, and that's what you want for a strong resident base, especially in the type of properties and 1000 to $1,200 price range, you want those blue collar study growing jobs. Keith Weinhold 17:31 Yes, you do have those there. It's funny. I'm smiling a bit because I used to be a state government employee, and there's just no way that they ever would have fired me. I was so protective I had to quit in order for them to have to replace me at that job. I'm wondering about the new supply that's come on, Alex, because a number of markets have added supply. I know, for example, that Redfin reports that little rock median home price appreciation is up 7.3% year over year, and with the dynamics going on in the market recently, that typically tells us that there hasn't been that much new supply added. Is that what's going on there? Alex Craig 18:11 No, there hasn't been a lot of new supply. I just think with little rock and every other market, the mortgage rates have gone up. Home ownership is down during COVID. It was really hard to get an investment property. For what we did, sending out our list every week. It was basically send out our properties, people hitting send and not even knowing what they were reserving. Rates were just low, right? Everybody's jumping in. It was hard to get inventory. So now what we have is, you know, higher rates that scares some people off. It pushes some people out on the market, but it also creates opportunity. I feel like this is the easiest time I've been investing in real estate since 2007 that was the foreclosure crisis, Great Recession, and it was a lot of foreclosures on the market, and that's how I built a big chunk of my portfolio. But now it's just a matter of there's not as many people in it. So for us, there's just more acquisitions for us to go out and get. There's still distressed homes on the market where individuals don't want to hire a realtor, they just want all cash offers. They're ready to get rid of them, and that's where we step in. And without as much competition like I said, we kind of fly under the radar. I feel it creates more just supply inventory for us and for me as an investor, but also for our clients too Keith Weinhold 19:23 with that in mind, and again, a lot of our audience is already on board, knowing that little rock in Arkansas is a good cash flow market with stable, long term fundamentals, but in order to make it more profitable, you've overlaid it with a certain strategy there in Little Rock. Tell us about that. Alex Craig 19:45 So the BRRRR strategy, yes, it's able to work now because there's not as many buyers in the market. So basically, the way the burrs strategy works is we acquire a property. I'm just going to use very round, simple numbers for simple math makes it easier on me Keith Weinhold 19:58 and we're talking the BRRRR. Strategy that's buy, renovate, rent, refinance, and repeat. Those are the five investor steps. Alex Craig 20:07 correct. And so that's what we do, is we buy. Let's just say the B. Let's take the B, for example, we buy a home, and we buy it for 60,000 where I'm just talking like if I own the home, and then I put $20,000 into the deal. So now I'm all into it for 80,000 and you have to remember, there's some in between, cost of closing costs. I'm just talking just very general strategy. You buy it for 60, you put 20 into it, and all of a sudden you're in it for 80, and the value comes back at 100 so you're in it for 80% of the after repair value. Most Fannie Mae lenders will do 75% so if you purchase a house outright, you put 20% down, but if you are doing a refinance, you're able they'll do it at 75% so instead of buying a home and putting it down payment upfront, you're using equity in the deal. And that's what the burst strategy is, buy renovate. So we buy it, we renovate it, we refinance it, we rent it out, and then you repeat it. So it allows for investors to scale their portfolios quicker and stretch their money a little bit further. So if you've got, I've got $50,000 and I want to invest in real estate, if you purchase a home, you're bound by the down payment. Once you put that down payment, it's, I wouldn't call it sunk cost, but that money's gone for reinvesting. The burr model allows you to stretch that money a little bit further. Now, like I said, I gave pretty basic numbers to the deal, but that's what you're going for. Some equity in the deal, and that's what we're able to provide for ourselves and for our clients. Keith Weinhold 21:38 So let's review that numbers on a little rock burp, making a $60,000 purchase with a pre renovated property. Then the investor puts another 20k into it for the renovation. So now they're all in for 80k and they get a 100k appraisal on that property, and then they can borrow, say, 75% of that there, that is the refi portion, the fourth letter of the BRRRR acronym. So therefore they've got 80k into it, and they got 75k back, meaning they would only have 5k into it, but maybe another 5k for closing costs, and now they only have 10k in to a 100k property. That's the appeal. That's what we're talking about here with the BRRRR Alex Craig 22:22 strategy. I mean, you're exactly right. And as I mentioned, I use some really basic numbers, because when you're using, you know, 100,060 and 20 makes them very basic. It's pretty hard to find out a deal worth 100,000 these days, even when we started in the industry, 100,000 was a pretty cheap after pair value. Probably the mean value of the homes that we're dealing in is probably about 140 to 140 to 160 but same principle, based on those same logic that what we just talked about, I wouldn't say, you know, five or 10k out of pocket, but if you're talking about purchasing a deal with 25% down versus doing a bur you're probably going to be in it at 15% Out of pocket costs 10 to 15% as opposed to putting a down payment of 25% but the big thing is, you're getting money back, and you're not putting as much so just it's great for scale. I don't know if you'll talk about DSCR lending very much on your show, but that's something that a lot of our clients, and that does 80% so we have a lot of clients going that route now too. Keith Weinhold 23:21 Okay, so you could do 80% with debt service coverage ratio loans, but to drop back in our example, to help be clear, the investor has 80k of their own skin in the game into the property, 60k for the purchase, 20k for the renovation, even though they only have 80k in it appraises for 100k that ARV, that after repair value. Why is the after repair value 100k when you only have 80k into it? Why is it more? Alex Craig 23:49 that's based off comparable sales? So when you're in it at 80, and you're going to refinance it through a lender, they're going to send an appraiser out, and appraiser is going to pull comparable sales within that neighborhood. So just because you're in an 80 the appraiser is going to go pull three comps, very similar to that home. So if we're selling a three bedroom one bath, they're going to pull three comps at a three bedroom one bath, relatively the same size look, if it's got a carport, they're going to try to find three houses with the carport. So in theory, that's what they're doing. They're pulling comparable sales and developing new value based on recent sales. Keith Weinhold 24:23 So it's that you have this knowledge to buy in neighborhoods and buy in certain sub markets, where, when you know that capital is added and renovations are made and a rehab period that they do tend to appraise for that value based on the comparables that are already there. Alex Craig 24:40 Yeah. I mean, if we were to take the same house at 60,000 and didn't do any work, he would then say, well, you've got some comparables here versus 100 but you could never sell this home for 100 these are the things you have to do, and that's what we do during the first R the renovate of the acronym is to renovate the home to the condition that the. Appraisers feel that are comparable for the neighborhood, and that's a real important part, is comparable to the neighborhood. We could go in and put in a Jacuzzi tub and grain of countertops. We actually, we do put a lot of grain in, because we get it so cheap. But you could go in and fix it up to the nines, but it's not going to appraise for any more than the others, because the appraiser would say, we over improved it. So we improve it to what we know, what the kind of the standard for the neighborhood? Because you could over improve these things for sure and not get that return on that investment. Keith Weinhold 25:28 That is a great answer. There is a specific improvement target that you know that needs to be hit. Tell us more about this burr process, because to an out of area investor, it can sound pretty intimidating if they had to manage contractors remotely themselves, Alex Craig 25:43 there definitely is a need to have a team on the ground that you trust, that you feel comfortable with, and that's what we've done. I've been doing it in multiple markets for myself since 2007 and we built into a business model in 2010 like I said, expanded Little Rock in 2012 and we've been doing this for 15 years now for other investors. So we've got that name and that reputation of taking care of our investors, that's the important part. And we do see a lot of investors get burned, because you can find a realtor to go to help you find deals, but usually the realtor relationship is thesis to end. It's okay, I found you a deal, but then there's so many other things afterwards, and the renovations, where I see so many people get burned, and you know, we manage approximately 1200 homes between two markets, and that's where I see when property owners come to us, they've been burned the most. It's like they've paid somebody $50,000 they didn't finish the job, they didn't do what they say they're going to do. So the renovation that we're the team on the ground, we've got a in House Project Manager, we've got a network of subcontractors. We tend to act as the contractor, subbing things out. We've got in house property management. We've got all the tools, but it's really between both. In the markets in which I operate. I've got about 30 employees within property management, renovations, acquisitions, so the team on the ground is and then the back in the property management part is the long, ongoing accountability. So if something doesn't work out, that's the way we said it. If we say it's going to rent for 1200 and we rent it out for 900 Well, we really got a big egg on our face. You do a few of those, and that's how you don't stay in business anymore. And there's, and I like to say, about every five years the market corrects itself into getting the wrong players out of the business. COVID was super easy, easy to find deals, easy to sell deals. But once the market changed and it became a little more competitive and rates rose, that's the people that have been around for the long time, been in it for the long haul, that stick around. They've got the established business model and their reputation. So every five years, a good correction in the market eliminates those bad players. Keith Weinhold 27:47 So you have this vetted, proven in play system that investors can get into besides just identifying the property, it comes with that system, those contractors or that investor just has one point of contact with you there for updates on the renovation. Alex Craig 28:03 Yeah. I mean, I feel like we know these neighborhoods. I like I feel we know these neighborhoods like the back of our hand. We've been investing in them for a decade plus, and we know the areas you want to be in, the areas you don't want to be in. And we have a lot of investors will call us either they already own the property or they're a current client, and they'll say, Hey, I could get this deal for 30,000 and it's worth 100 and I'm like, Well, that sounds too good to be true, especially if it's on the open market. If it was that good of a deal, it's already gone. We just know the market, where to be. We know what to pay. We could, pretty much just through our experience, identify a house we know probably within about five to 10% before we even dive into comparable sales of what it's worth. We could walk through a house within probably about three to five minutes and peg the renovation costs probably within about 10% now we still order an inspection, and that's where we uncover the things that we can't see, that maybe there's a bunch of rotted out joist or a foundation problem that we didn't see. So, but there's things aside we could walk through and we pretty much know, okay, it needs a roof that's 7000 it needs an air conditioner that's six flooring, two. So that's the expertise that we bring and like. So then the management part of it, on the back end, that kind of ties it all together with accountability. Keith Weinhold 29:22 And I know that your typical project renovation cost tends to be about 25k just for simplicity, we use 20k in that example, and your completion times are shorter than others that have inexperienced crews. So tell us about that typical renovation time. Alex. Alex Craig 29:39 every day we're accomplishing 500 so 25,000 divided by 500 comes to 50 days, 50 days. So we'll knock that out in about 50 days. And we just have a large network of subcontractors that we've been working with for years. If you weren't in the business, I think that'd be really hard to accomplish, and there's just a lot that. Goes into it. I mean, the renovating the homes, it's the once, it's the worst, it's the hardest thing that we do. For sure, it's definitely the most scheduling, but it's where, if you don't know what you're doing, a great deal turns into, how do I get out of this? Keith Weinhold 30:15 Right, absolutely. Now, in our example, we used where an investor puts 60k into it for the purchase to start with, because I see the burst strategy is a good strategy. If someone doesn't have a lot of capital, like they would for maybe a new build property, can one even finance that initial purchase amount? Alex Craig 30:35 Yeah, so private lending. So that's the part that makes if you've only got 50 grand to facilitate this entire process, and you want to try to repeat it as many times as you can. 50,000 would not be enough just to pay cash. So yes, we have private lending. We set that up. Sometimes we lend it ourselves. Sometimes we outsource it to some of our strategic partners, but we'll lend the money to buy and renovate the home. A typical what that loan would look like it's about 3.3 points of loan origination. So if you've got an $80,000 loan, that's $2,400 most lenders do require for you to bring that up front, and now you're in it for an $80,000 loan at 12% which, five years ago, that sounded crazy to borrow at 12% but with for private lending, that's not bad at all, especially you want to get in and out of it quickly. So if we're renovating the home, and you know, 50 days, if you're already pre approved with your lender, and they have all your documents by the time we finish renovating the home, the appraisals lined up, and you could be in and out of these private loans in about 90 days. That love that depends on the lending side, that you're giving the lender what they need. But ideally you want to be in these things about 90 to 120 days. So $80,000 loan at 12% that $800 a month. So if you're in it for 90 days, 800 times 320, 700 plus the loan origination fee. But that's how you do it. That's the you're just borrowing money to finance the acquisition, the rehab and the refinance Keith Weinhold 32:03 that is an option for you if you don't have the cash here to come in with these burr strategy properties. Alex, tell us more about it. Really, what I would like to know is, when an investor gets their appraisal, their after repair value, how many want to sell it for a profit, and how many want to hold it with a tenant for long term income Alex Craig 32:26 so far, zero. Want to sell it for a profit. If you're all in it for add and then you're selling for 100 once you sell it, there are other fees involved. You got to hire a realtor. Right now is a great time to hold it's a slow real estate market. I don't think Little Rock from an aspect, is where home ownership is down. I think that's a nationwide thing. So I think if you're going into this, you certainly want to look at it from perspective. This is a buy and hold. I don't think this is the best market to get into to buy something. Flip it with a in the example, we use a $20,000 margin with buyer concessions, realtor commissions. That's a lot of work involved. And let's just say it did work out. You sold it for 100 but you had to pay 2% closing in an agent fee, and you got some holding cost. Let's just say you netted 8000 that might be good for a six month return, but I feel like there's a lot of risk. I feel like our job as what we do for our clients, is to minimize risk. So someone came and said, Hey, I want to flip it. I would say, Well, I don't think it's the best market for it right now. I think you want to get into this buy and hold. Keith Weinhold 33:29 Yes, Alex has been doing this for a long time, and he's a specific expert right there in that local market. Buy and hold is a strategy that most likely makes sense. And he also strongly recommends pay cash if possible, instead of using that 12% short term private lending option, like he mentioned before, because that can cut out about four to 5k worth of transactional cost. And then if you do buy and hold what Alex and his company offer there in Little Rock is essentially a cash flow boost, 0% management fee in year one and only 4% in year two. So that gives you some extra cash flow runway as well. And Alex, before I ask you if you have any last thoughts, I want to announce to you the audience, that we have a live event virtually next week, on July 17, at 8pm eastern for Little Rock BRRRRproperties that Alex is CO hosting with our investment coach, Naresh, where you can find these bird deals in this cash flowing market. In Little Rock you'll see actual bird deals recently completed with full breakdowns of their purchase prices, sort of these case studies, where you can see some real numbers and what the rehab budgets are and what the actual timelines were, and what the refi outcomes were like, and explore BRRRR ready properties that are currently available to own, if you so choose, on this upcoming live event that you can attend from the comfort of your own home. Learn the full process, from acquisition to renovation to property management to the financing of them, and again, everything is all handled by local experts, so that you don't have to live with the nightmare of remotely managing contractors, which I couldn't imagine doing. So whether you're a first time investor or you're scaling your portfolio, this is your chance to get boots on the ground, insight and a proven road map to burr success and really one of the most accessible markets in the country. Again, Alex here is CO hosting the event along with GRE investment coach, Naresh Vissa. It is a free, live virtual event again next week, Thursday, July 17, at 8pm Eastern. Sign up is open now at gre webinars.com it ought to be great. Alex, teaming with local experts like you has been of real benefit to our audience. Do you have any last thoughts about either Little Rock or burrs or the events that you're going to co host with our audience next week? Alex Craig 35:57 So here's my last thought, as you were, you know, kind of concluding and I was reviewing what we had talked about. And one of the questions we get sometimes it's a fair question. It's like, well, if this is such a great deal, why don't you keep all the deals? So we hear that from time to time, and the simple answer is, we do. We do keep a lot of deals, and we're buying more real estate now, like I said, I feel like it's the easiest time to get into real estate. So we do, we do keep a lot. We're building a very large portfolio right now, but the house flipping to investors is just another business model that we have. And Property Management too. And we love property management, and we love building investor relationships. We've had a lot of investors we've had been with us since day one that we've developed really tight relationships with. So yes, we do keep a lot of the properties, and we sell properties too, and we and helps us build our management company, which you don't hear too many people say this, but we actually love property management. That's a hard thing to love, but we actually like it. Keith Weinhold 36:54 That is more weird than Tom wheelwright loving taxes, perhaps, but Right. But I want to deal with somebody that really loves what they're doing, especially when they're protecting our asset and probably more importantly, when it comes to property management, protecting our time. So that's right, Alex, well, our viewers and listeners are really looking forward to it next week, again, that live event Thursday, July 17, at 8pm Eastern is something that you can sign up for now at grewebinars.com. Alex, we're looking forward to it next week. Alex Craig 37:27 Bye, Keith, thank you. Keith Weinhold 37:34 Oh yeah. Terrific overview on why the burr strategy can be so profitable. And our event next week. Now, when you rent your primary residence, which you would typically do in a high cost area, and then you own rental property elsewhere, typically a low cost area, do you know what that's called? Yeah, there is a name for that. Last week we spoke to two listener guests in California that are doing just that. That is called rentvesting. And yes, Little Rock is surely a popular low cost market for rentvesting. I have been on the ground myself in Little Rock with Alex's associate to do an on the ground tour of properties. There you want to tap into a system where you've got the guiding hand of both experience and belief. That's what you're doing here. As like he said, Alex personally owns 75 doors there. That is belief, and he's been doing this for out of area investors for 15 years. That's the experience part real proof of concept at next week's event, you'll be introduced to this same system where you can lean on their team for acquisition, renovation and management. Little Rock has an MSA population of about 770,000 but I think more importantly today, savvy investors are conscientious of keeping their expenses down, and for good reason, since they've been up all over the place. Now, the purchase price is 140 to 160k for these BRRRR optimized single family rentals. Remember that we used 100k just for ease of an example there, usually when you buy income property, you're really in at close to 25% of the purchase price when you add up the down payment and closing costs, but this way, you're in for just about half of that at 10 to 15% another low expense is that property tax, statewide, Arkansas Property Tax is just 610 of 1% so that's half the national average. And then your management expense is definitely going to be low for the first two years, because it is 0% in year one and 4% in year two. And these are properties that you can actually be pretty proud of. You'll learn more about this. Scope of work with a renovation on the webinar, often granite countertops in the kitchen is a live, remote event. So this means that you can have any of your questions answered in real time. Should you have them? As you can imagine, demand is high for these properties, and this is a chance to get connected directly with the team that makes it happen. We might never get Alex on an event like this again, and is co hosted with our GRE investment coach, Naresh. It's next week. It's free, Thursday, July 17, at 8pm Eastern, 5pm Pacific. Sign up now, or your future self might not be able to forgive yourself. You can do that now at grewebinars.com Until next week, I'm your host. Keith Weinhold, don't quit your Daydream. Speaker 3 40:56 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 41:19 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 pay walls 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 to 66866, while it's on your mind, take a moment to do it right now. Text, gre to 66866 Keith Weinhold 42:35 The preceding program was brought to you by your home for wealth, building, getricheducation.com.
Today we look at the continued fall out of flash floods in Texas where at least 91 people have died. Search efforts continue for a fourth day for dozens of people still missing, authorities say. Camp Mystic, a girls' summer camp in the county, confirmed that at least 27 girls and staff were among the deadAdam speaks to chief North America correspondent, Gary O'Donoghue who's been reporting from Texas.Plus, BBC News chief news presenter Caitríona Perry joins from Washington to discuss Israeli Prime Minister, Benjamin Netanyahu's upcoming visit to the White House and the ongoing rift between President Trump and Tesla CEO Elon Musk following the passage of ‘The Big Beautiful Bill' last week.You can now listen to Newscast on a smart speaker. If you want to listen, just say "Ask BBC Sounds to play Newscast”. It works on most smart speakers. You can join our Newscast online community here: https://tinyurl.com/newscastcommunityhereGet in touch with Newscast by emailing newscast@bbc.co.uk or send us a whatsapp on +44 0330 123 9480.New episodes released every day. If you're in the UK, for more News and Current Affairs podcasts from the BBC, listen on BBC Sounds: https://bit.ly/3ENLcS1 Newscast brings you daily analysis of the latest political news stories from the BBC. It was presented by Adam Fleming. It was made by Jack Maclaren with Anna Harris and Shiler Mahmoudi. The technical producer was Mike Regaard. The assistant editor is Chris Gray. The senior news editor is Sam Bonham.