Podcasts about north california

We are navigating the aftermath of a full truckload claim after a truck drove off a mountain in Northern California. This episode sheds light on the intricacies and legal hurdles of dealing with claims and the importance of maintaining strong client relationships during turbulent times. Stay tuned as we unravel the practical advice and real-world example in this complicated scenario. The Logistics & Leadership Podcast, powered by Veritas Logistics, redefines logistics and personal growth. Hosted by industry veterans and supply chain leaders Brian Hastings and Justin Maines, it shares their journey from humble beginnings to a $50 million company. Discover invaluable lessons in logistics, mental toughness, and embracing the entrepreneurial spirit. The show delves into personal and professional development, routine, and the power of betting on oneself. From inspiring stories to practical insights, this podcast is a must for aspiring entrepreneurs, logistics professionals, and anyone seeking to push limits and achieve success.Timestamps:(0:00) - Preview(0:24) - The full truckload incident in North California(2:00) - Aftermath complications of the incident(3:22) - Legal repercussions of stepping out of obligations with clients (4:52) - Strengthening or risking the relationship with customer(6:27) - Maintaining transparent, regular & honest communication with clients(7:35) - Demonstrating diligence and commitment to resolving issues(9:30) - We are all ears, get in touch! (9:55) - Coming up…Connect with us! ▶️ Website | LinkedIn | Brian's LinkedIn | Justin's LinkedIn▶️ Get our newsletter for more logistics insights▶️ Send us your questions!! ask@go-veritas.comWatch the pod on: YouTube

In this episode, Justine and Sarah are joined by Helena Vissing, PsyD, SEP, PMH-C, a licensed psychologist practicing trauma-informed somatic psychotherapy. They discuss the quote by Rosemary Balsam that highlights the relationship between a woman and embodied events, such as birth, across her entire lifetime. They explore the significance of birth as a prism that captures the past and future, the need for relational care in the prevention and healing from birth trauma, and the limitations of a purely medical approach to birth. Helena emphasizes the importance of holding a lifespan perspective and integrating somatic and psychodynamic approaches in supporting clients. Keywords birth trauma, female body, relational care, healing, lifespan perspective, somatic psychotherapy, psychodynamic approach Takeaways Birth is a transformative event that holds meaning for the individual both before and after it occurs. Relational care is essential in the prevention and healing from birth trauma. Relational care provides support, understanding, and validation that is not available technology alone. A purely medical approach to birth overlooks the importance of the relationship between the birthing person and their body, emotions, and experiences. A lifespan perspective is crucial in understanding the impact of birth trauma and the ongoing journey of healing and transformation. Integrating somatic and psychodynamic approaches can support clients in reconnecting with their bodies and navigating the complexities of the perinatal transition. Sound Bites "Birth is never just that one moment. It captures so much of what has gone before in your whole life." "We cannot bypass the need for relational care that humans have. It's a defining feature of being human." Chapters 00:00 Introduction and Guest Introduction 01:43 Quote by Rosemary Balsam 08:28 The Importance of Relational Care in Birth 17:51 Challenging the Medical Approach to Birth 28:22 The Dilemma of Western Medicine 38:06 Healing and Reconnecting with the Body 50:17 The Prism of Healing and Transformation On the Resilient Birth podcast, Justine and Sarah explore the impact of trauma across the perinatal period, from trying-to-conceive to pregnancy, from childbirth to postpartum and parenting. Through an inspirational quote that drives our weekly conversations about trauma and healing, Justine and Sarah explore topics such as birth trauma, parenting as a survivor, and finding healing with vulnerability and compassion that support birthing people and birth professionals. Each week, listeners leave with takeaways to utilize in their lives and/or clients. Justine and Sarah hold the stories they share with honor and respect with the hope to impart knowledge, increase understanding, and bear witness to this challenging topic. Sarah is a licensed mental health counselor, educator, and mom of three. She walks with a story of trauma from before and as a result of her perinatal experience. Justine supports survivors of trauma through perinatal coaching and childbirth education. As well as being a mother of three, she holds a Ph.D. on representations of consent and sexual violence. Learn more about Sarah and Justine's course called Trauma Informed Fundamentals here: https://resilient-birth.mykajabi.com/traumainformedfundamentals Helena Vissing, PsyD, SEP, PMH-C, is a licensed psychologist practicing trauma-informed somatic psychotherapy in North California. She is certified in Perinatal Mental Health and specializes in working with expecting and new parents. She is Associate Professor in the somatic program at the California Institute of Integral Studies. Before joining CIIS, Helena taught at several graduate institutions, including Reiss-Davis Graduate School, Antioch University, and The Chicago School of Professional Psychology. Her areas of specialization include developmental psychology, perinatal mental health, and integrating psychodynamic and somatic modalities in trauma treatment. Helena also has extensive experience providing advanced level training of providers in perinatal mental health. She has published book chapters and articles on the topic of the psychology of mothering and its somatic aspects and is the author of Somatic Maternal Healing. Psychodynamic and Somatic Trauma Treatment for Perinatal Mental Health; a biopsychosocial framework for integrating and adapting a somatic approach to make perinatal mental health not only trauma informed, but also trauma responsive. She is one of the hosts of the podcast channel New Books in Psychoanalysis and is on the editorial board of the International Body Psychotherapy Journal.

Welcome to The Nonlinear Library, where we use Text-to-Speech software to convert the best writing from the Rationalist and EA communities into audio. This is: Civil Litigation for Farmed Animals - Notes From EAGxBerkeley Talk, published by Noa Weiss on September 14, 2024 on The Effective Altruism Forum. Overview These are my notes of the "Civil Litigation for Farmed Animals" from EAGxBerkeley, given by Alene Anello, president of Legal Impact for Chickens (LIC). It was an excellent talk, exploring a front of the animal welfare movement that, in my opinion, has the potential to be extremely effective, and is very much neglected. (Would love to hear if you agree/disagree on this). LIC also is currently hiring lawyers, so if you know someone who might be interested, let them know. This is a rare opportunity for folks with legal training to get professionally involved in the movement (those paid positions are hard to come by). ================== Talk Notes Intro Premise: improving conditions on factory farms will go a long way towards helping chickens suffering The law prohibits animal cruelty (in theory) (Gave an excerpt from the California Penal Code) Yet undercover investigations in farms expose such cruelty on a regular basis Footnote on criminal laws: there are some states that have exemptions for animal agriculture But not in California Even states that have exemptions - it's not for *every* kind of abuse. There's a lot of stuff that happens in the farms that isn't technically exempted But police and prosecutors don't really enforce it And even when they do - it's against individual workers and not the company/CEOs Why? Not sure. Perhaps because it's easier to go after someone with less power. Attorney generals are almost always politicians (elected / politically appointed), which means they have an interest in keeping powerful companies happy Some reasons for not enforcing at all: A reason they often officially give: those are misdemeanors, and they're more interested in pursuing felonies (also for funding reasons) Possibly: corruption Possibly: "soft corruption" like not wanting to make powerful people angry Resources and priorities LIC's Solution: "Creative" Civil Litigation Not how civil litigation is usually works Animal cruelty is a crime, would more "naturally" be handled by the criminal system - but since the criminal system doesn't do anything, LIC looks for ways to bring it to civil litigations LIC sues companies and executives Example Cases Example 1: Costco Costco is not only a store but also breeds, raises and slaughters chickens (and sells the meat) Bred them so fast that they could not even stand, eat, drink. Starved to death That's against the law - you're required to feed your animals There are some fiduciary duties - which are on the executives, personally, towards the company One of them: "don't break the law" If the executives haven't fulfilled the duties - the company can sue them Which wouldn't usually happen because the execs control the company But! The company also has owners. In the case of a publicly traded company - share holders So LIC found Costco shareholders to work with (Q: do you have to find existing share holders or can you just buy shares and then sue? A: Alene doesn't know, there isn't really a precedent). Result: The good news: the judge did say that the company has a responsibility re animal cruelty. Which means LIC can bring more cases like that! The bad new: had a different interpretation to the law re what happened at Costco, so dismissed the case Example 2: "Case Farms" - KFC supplier Treated chicks as "dispensible". Let machine drive over them etc. Pretty harrowing. Happened in North California. Has a law against animal cruelty, with an exemption for food/poultry. That was what CF's defense was based on. That thereby anything they do is exempt. LIC disagrees. If you kill the chicks they're not really used for food. This was dismissed and LIC appealed. Currently in the NC court ...

On Part 2 of Cross Training in Equipment Rental, Dan Crowley speaks with Adin DuBose, General Manager for Bobcat of Chico in North California. Adin grew up in the industry working at his family's business, Rental Guys. While attending Boise State in Idaho, Adin took a position working with Tate's Rents. During the podcast, Adin speaks of his unique experience working in rental from both an employee's and owner's perspective. Adin offers great insights into the industry and his experience growing by cross training both within Rental Guys and outside with Tate's Rents. Enjoy! Today's episode of Peer Talk is sponsored by RoviTracker. RoviTracker is an asset management software and GPS Tracking for both large equipment and small tools. RoviTracker is also running some exclusive programs for Peer Executive Groups' members: For small tools, you will get 5 BLE tags for free (usually $29.99 each) Twelve months of free airtime for up to 3 BLE tags One month of free airtime for any telematics/GPS device purchased. For more information, reach out to Alain Eav at alain@rovitracker.com.

In part two with Carrie Lloyd, we dive into another chunk of her incredible life; the writer. Going from a top position in the marketing industry to starting blogs and writing books, to being a Pastor in a North California mountain town, Carrie's story is an inspiration for everyone wanting to embark on their unique path of creativity. She talks about facing challenges, the necessity for identity, and the threat of narcissism and insecurity. Catch part one as well! CHAPTERS: 0:00 - Intro; feeling empty. 4:58 - Art director 9:26 - Leaving Hollywood 15:39 - Spiritual journey to a writing career 22:05 - Blogs and books 26:43 - From writing to pastoring 31:45 - Church challenges and adversity 36:16 - Faith crisis 40:09 - Narcissism and insecurity 44:11 - Fostering trauma survivors Follow + leave us a 5-star review! FIND US ON... Instagram - ⁠https://www.instagram.com/podcaststoria/⁠ Tiktok - ⁠https://www.tiktok.com/@storiapodcast⁠ X - ⁠https://twitter.com/podcaststoria⁠ Facebook - ⁠https://www.facebook.com/storiapodcast⁠ Youtube - ⁠https://youtube.com/@PodcastStoria⁠ BETHEL CONSERVATORY OF THE ARTS - Check out ⁠https://www.bethelconservatory.com⁠

Jon sits down with Tyler West and we talk about how he turned a tracker boat off the bass pro lot into one of the coolest duck boats in North California. 

A federal lawsuit filed in the District of North California accuses Google of profiting from gift card fraud, particularly involving Google Play gift cards. The complaint highlights that Google has retained millions from such scams, either by commission from payments made with fraudulently obtained cards or by holding onto the funds. This comes amid FTC … Continue reading Google Under Fire for Alleged Role in Gift Card Scams #1728 → The post Google Under Fire for Alleged Role in Gift Card Scams #1728 appeared first on Geek News Central.

A federal lawsuit filed in the District of North California accuses Google of profiting from gift card fraud, particularly involving Google Play gift cards. The complaint highlights that Google has retained millions from such scams, either by commission from payments made with fraudulently obtained cards or by holding onto the funds. This comes amid FTC … Continue reading Google Under Fire for Alleged Role in Gift Card Scams #1728 → The post Google Under Fire for Alleged Role in Gift Card Scams #1728 appeared first on Geek News Central.

In this episode of Shot of Michigan Sports, the guys discuss: (0:00) Weekly Check In (22:45) Lions win NFC North + Dallas Game (1:03:00) Rose Bowl Preview + CFP Predictions (1:42:00) New Year's Resolutions We'd really appreciate it if you followed, reviewed and shared our podcast with a friend. If you would like a question answered on the show, please text or leave a voicemail at 984-444-9286. Be sure to follow us for weekly show clips and other content.  TikTok: @shotofms Instagram: @shotofms Twitter: @shotofms YouTube: Shot of Michigan Sports  

✨Watch Metaphysical and more on Rise TV!  ✨Try Rise TV FREE for 14 days! [Part 6] An LA Times article from 1932 documented visits to the Mt. Shasta townspeople from the “Lemurians” who long lived on the North California mountain. Amazingly, the Native American historical accounts, telescopic data, and local tales presented in this podcast all separately corroborate the information in a way that nobody else has ever put together before. Between specific descriptions of Lemurian people's behavior, clothing, and appearances to strange lights, ceremonies, and an amazing civilization that was spotted, this episode covers it all. Hear what investigative researcher Rob Counts found about a possible Lord of the Rings connection to Lemurian history. Find out what strange figures John Vivanco remote viewed on the mountain. Tune in to Metaphysical for a show that's out of this world.

Christian Rap Music | Powerful Testimony of God's GraceJune 29, 2023 by cmcbeats@yahoo.comCheck out this power Testimony of Bradley Little and how he is using his gift to produce Christan Rap Music.28 June 2023Before coming to know Christ, Bradley says he was lost. He was just a kid who wanted to play sports and his life veered off. He says his parents divorced when he was a young boy. His dad was a drug addict who was sent to prison when Bradley was only 11 years old.He was hurt and started to make poor choices.At the age of 13 he had his first case. At 18 years old he was sent to prison and later joined a prison gang. He was homeless and lost himself. He says life before Christ was not nice.“Well, I changed, and it was it was through Victory Outreach honestly.It was one flyer that changed my life but to be honest it wasn't an overnight change, it took work, it took commitment, faithfulness, God's miracle working power.And I needed help I needed a lot of help; I had symptoms of PTSD from knife fights in prison and I didn't know how to get help with that stuff.I thought flashbacks and stuff only happened in the movies but those are just some of the things I was experiencing.I was broken hearted, just mad at the world. I even had a chance to pursue my dream and play baseball later after I had was released and that didn't work out due to injury and stuff but now, I see that God just had a bigger plan.He had a better plan for my life so I can say proudly today that I'm doing my best life ever I have the privilege of serving here in Cape Town as a full time missionary. I'm a bible college graduate and it's just no limits to where God can take me, I'm extremely blessed.”Today he is in the ministry of rap.He says rap is a strategic and cutting-edge way to get the youth interested in Christ. He serves as a missionary in Cape Town, coming from North California in the USA.Bradley encourages by saying that you should “Get next to somebody, get connected.If you can dance, if you sing, if you if you can draw, if you're into artwork, if you can write music, if you can act or write plays and write scripts.God has placed a gifting in each one of us and I believe it's up to us to identify those things or get next to a leader that can help identify those things and help develop those things and cultivate those things so we can maximize our effectiveness for Christ.Keep connected, pray for it, seek the Lord and ask him to reveal those things.If you are not sure already then put those things into use because the enemy tries to sway us and tries to keep us from operating in our power spot.I did that for too many years, and I want to break that I want to help get people realize their potential.No matter what age group you are. You still have something to offer to the Lord and, for sure, just go for it.I come against anything trying to distract you or hold you from where you need to be, at your fullest potential, in the name of Jesus.”For more information about our church, go to our website at:www.vocapetown.netRain is here Revival with international evangelist, Tim Rabara starts 2 July @ 6pm and 2nd – 4th July @ 7pm.Third Wave Nights – Fridays at 19:00pmGANG services @17h00 every SundaySunday morning service at 08:00am & 10:00amOn the 7th July @7pm, the Rise Up Radio Show will be live @ Victory Outreach Church of Cape Town, 123 Voortrekker rd.For more information about our Recovery HomesContact details are 061 407 9474/021 691 9575You can also visit our contact us page.Thanks for listening family. Stay blessed and stay connected.If you missed out on today's radio segment, click here to listen to the full audio version of thistestimony:http://www.vocapetown.net/radio

Christian Rap Music | Powerful Testimony of God's GraceJune 29, 2023 by cmcbeats@yahoo.comCheck out this power Testimony of Bradley Little and how he is using his gift to produce Christan Rap Music.28 June 2023Before coming to know Christ, Bradley says he was lost. He was just a kid who wanted to play sports and his life veered off. He says his parents divorced when he was a young boy. His dad was a drug addict who was sent to prison when Bradley was only 11 years old.He was hurt and started to make poor choices.At the age of 13 he had his first case. At 18 years old he was sent to prison and later joined a prison gang. He was homeless and lost himself. He says life before Christ was not nice.“Well, I changed, and it was it was through Victory Outreach honestly.It was one flyer that changed my life but to be honest it wasn't an overnight change, it took work, it took commitment, faithfulness, God's miracle working power.And I needed help I needed a lot of help; I had symptoms of PTSD from knife fights in prison and I didn't know how to get help with that stuff.I thought flashbacks and stuff only happened in the movies but those are just some of the things I was experiencing.I was broken hearted, just mad at the world. I even had a chance to pursue my dream and play baseball later after I had was released and that didn't work out due to injury and stuff but now, I see that God just had a bigger plan.He had a better plan for my life so I can say proudly today that I'm doing my best life ever I have the privilege of serving here in Cape Town as a full time missionary. I'm a bible college graduate and it's just no limits to where God can take me, I'm extremely blessed.”Today he is in the ministry of rap.He says rap is a strategic and cutting-edge way to get the youth interested in Christ. He serves as a missionary in Cape Town, coming from North California in the USA.Bradley encourages by saying that you should “Get next to somebody, get connected.If you can dance, if you sing, if you if you can draw, if you're into artwork, if you can write music, if you can act or write plays and write scripts.God has placed a gifting in each one of us and I believe it's up to us to identify those things or get next to a leader that can help identify those things and help develop those things and cultivate those things so we can maximize our effectiveness for Christ.Keep connected, pray for it, seek the Lord and ask him to reveal those things.If you are not sure already then put those things into use because the enemy tries to sway us and tries to keep us from operating in our power spot.I did that for too many years, and I want to break that I want to help get people realize their potential.No matter what age group you are. You still have something to offer to the Lord and, for sure, just go for it.I come against anything trying to distract you or hold you from where you need to be, at your fullest potential, in the name of Jesus.”For more information about our church, go to our website at:www.vocapetown.netRain is here Revival with international evangelist, Tim Rabara starts 2 July @ 6pm and 2nd – 4th July @ 7pm.Third Wave Nights – Fridays at 19:00pmGANG services @17h00 every SundaySunday morning service at 08:00am & 10:00amOn the 7th July @7pm, the Rise Up Radio Show will be live @ Victory Outreach Church of Cape Town, 123 Voortrekker rd.For more information about our Recovery HomesContact details are 061 407 9474/021 691 9575You can also visit our contact us page.Thanks for listening family. Stay blessed and stay connected.If you missed out on today's radio segment, click here to listen to the full audio version of thistestimony:http://www.vocapetown.net/radio

In 1987, 16 year old Theresa Bier got picked up by a man called Russell 'Skip' Welch to go hunting for bigfoot in the North California mountains. And then she was never seen again. Skip would later say she was abducted by Bigfoot, but do we believe him?

Interview by Kris PetersModern music is expanding in size, sound and complexity in an increasing capacity. Possibly to do with the sheer number of songs being released and in an effort to stand out, or possibly because musicians are getting better and more skillful at their art or possibly something entirely different.But whatever the reason there are many - myself included - that often struggle to keep up with the complex nature experimented with by bands of this era.Not that the music is bad or the band's unoriginal, it's more a case that sometimes band's can make music that is too complex for its own good.Or, put more simply, difficult to digest. North California progressive metal powerhouse Stellar Circuits are definitely an exception to the rule. While their music ventures down a myriad of rabbit holes and high range progressive elements, it is still easily digested as pure enjoyment without having to be dissected or taken in too deeply.In short, Stellar Circuits have somehow tapped into a way to make their music both complex yet accessible, a feat often attempted but rarely accomplished. And they have a sensational new album in Sight To Sound to prove it.Bass player Jesse Olsen and vocalist Ben Beddick sat down with HEAVY to find out more."There wasn't really any goals in mind," Olsen measured when asked about going into the album. "It's kind of just a natural progression of our sound. Whatever we're feeling, we write it and I feel like that just comes out. Just a natural progression of things and how they sound.""Like Jesse said, we weren't really going for anything per se," Beddick added. "We try to write what we hear in our heads and we do our best to put that out.In the full interview Ben and Jesse talk more about how they improved with this album, putting everything into the band, how this one differs from their debut album Ways We Haunt, the singles released and how they represent the album, the cover image and what relevance it has, the early days of Stellar Circuits and where they fit in, making complex music while still appealing to the average listener and more.

This week on the pod, Rob and Eritrea welcome Maya Ramirez (aka Papayabetic) to the show! Maya lives with type 3C diabetes and underwent a full pancreatectomy as an infant at 8 months old. In this episode the team dives into: * 30 years of living with diabetes and without a pancreas * Maya's Diagnosis with congenital hyper-overproduction of insulin in her pancreas at 2 weeks old (hyper insulinism) * Props to parents of children with diabetes, a whole different ballgame of providing care! * 23 years of using an insulin pump (even if it is technically off-label usage) * Why considering your pancreas dead is not only incorrect, but stigmatizing language * The other health implications of living without a pancreas * Using grief as motivation to bond with people in her community * If you're in the North California area and you're looking for a community of people with diabetes: check out Maya's IG @papayabetic to stay updated on future meetups! We want to hear from you. Send your questions, comments, queries, and general diabetes concerns to THE MAILBAG at mailbag@diabeticsdoingthings.com!

Olivia and JJ Husky are a dynamic duo of real estate agents. They left the hustle and bustle of North California to start a new chapter in the beautiful Cabo San Lucas, Mexico. They are now the listing agents of one of the most successful developments for sale Vistamar Los Cabos, located in the El Tule area. JJ and Olivia are part of the Ronival Real Estate team with an extensive knowledge of the area and a passion for helping clients to make their dream come trough, and in this talk they share their experiences and insights into the world of real estate, stories of their successes, and their enthusiasm and expertise will leave you inspired about begining a new life in Baja Sur. Tune in to hear their latest adventures and insights, and discover why Cabo San Lucas is quickly becoming one of the most sought-after destinations for real estate investment!

In this dear episode - AND IT IS A DEAR EPISODE - our heroes discuss the subjects you are embarrassed to even try engage with. This includes Kyle's escapades in his youth going to the UCI in Tallaght, a place known to dear Rob too. Coincidence? Yes, it is. Also a question came in from North California and it's something to do with are tortilla with peanut butter and jelly a sandwich, if you get two of them and slam them together. Something like that. Who knows? Another thing discussed was the subject of Saints. Like Saint Francis or whoever. Should we get rid of them? There's calls for saints to be done away with. By some. Probably. We don't know. We don't care. What we do know is priests aren't allowed shag but they're allowed have a small bit of Bailey's at Christmas time. Apparently. Listen in. We're embarrassed.

Host Nancy Wiegman interviews two authors who know their way around North California.

Today we welcome to the show Scott Louvau, twice retired from Microsoft and now focused on his Relentless Optimizer blog, he is our second twice retired from Microsoft guest. If his last name sounds familiar, it should be. Several weeks back, his partner, Darinee Louvau was our guest. Her absolute enthusiasm caused us to seek out the other half of the equation and invite Scott to share his take on life at and after Microsoft as well as his data origin story. How exactly did Scott go from a small vineyard in North California to being twice retired from Microsoft and what set him on the technological path? Like Darinee, games were Scott's gateway drug to technology. While growing up in a home with software programming parents, Scott was exposed to how programs work and most importantly, granted access to tinker with the hardware side as well. Frustration with slow gameplay or loading freezes led to the educational process as Scott learned to free up resources, jettison drives, and optimize the remaining parts to make the gameplay better, faster, and longer.  In a time when there was no internet full of resources available, debugging issues was both more challenging and more intense. Back in the day, if you wanted to play, you had to make it work on the system you had. Scott used these hard-earned skills between high school and college as he started working as an internal software developer before switching to a programming track at college, falling in love, and joining the dream team at Microsoft. He found joy in automation both for Microsoft's clients and for his team, going on to reduce frustration in debugging while increasing optimization in the process.  It isn't all programming and coding today though, as we also delve into Starbucks Cold Brew Refill Hacks and using AI to dominate game levels.  Stuck on a level of Kingdom Rush? You can find a solution for that and more, in this episode. As always, if you enjoyed this podcast, be sure to leave us a review on your favorite podcast platform to help others find us. And, be sure to subscribe below for new episodes delivered directly to your inbox. Also on this episode: Tinkering is a way of life w/ Darinee Louvau Apple IIGS Luggable Computer Power Builder Paper Games of Kids in the 90s Terminator gets squashed STUXNET: The Virus that Almost Started WW3 Visual Studio Visual Slick Editor Inverted word index A most generous mentor w/ Microsofts' Dany Hoter Ballmer's Peak Google eats RAM cookies Scott's Relentless Optimizer Blog Try xForm Kingdom Rush Kingdom Rush AI Boom Beach World of Warcraft Subscription Fees Vanguard ownership/profits

T.C. Macker is the president of WESTMAC commercial Brokerage Company,  He started as a tenant tenure rep leasing office buildings in downtown LA, and he then transitioned to focusing on investment sales. Today T.C. is working on selling commercial properties. He selects properties that are interesting and unique.   [00:00 - 05:56] This is why you should always choose a commercial real estate broker who represents sellers. Selling a variety of properties in the Los Angeles area, most specifically on the west side Representing buyers and sellers equally Looking for opportunities to work with clients who are excited about their property and want to sell it quickly   [05:57 - 11:23] How to Sell a Property: Tips from an Expert Property sales are not as simple as just putting it on the market and hoping for the best.  There are many things that need to be taken into account,  Including tax consequences and; Zoning restrictions. Industrial warehouses are currently one of the most popular types of commercial property to sell, followed by apartments and retail. Office buildings are among the most challenging to sell due to the current recession and pandemic.   [11:24 - 17:01] Sellers should consider these key things before selling their property The opportunities for selling owner-user buildings, including office buildings, can be repurposed. Industrial properties are also still available, but have low cap rates and are hard to find investments in. Apartment properties are becoming more affordable as the housing market continues to increase. This will force more people to rent instead of buy."   [17:01 - 20:44] Closing Segment Reach out to T.C. Macker!  Links Below   ----------------------------------------------------------------------------------   Tweetable Quotes: “Whenever there's a challenging product type, that's where the opportunity really is.” T.C Macker Connect with T.C. Macker by following him on Facebook, Instagram, and Linkedin You can also reach him by Email tcmacker@westmac.com and by Phone (310) 966-4352 You can also visit https://www.westmac.com/ for more information.   Connect with me:   I love helping others place money outside of traditional investments that both diversify a strategy and provide solid predictable returns.     Facebook   LinkedIn   Like, subscribe and leave us a review on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on.  Thank you for tuning in!   Email me → sam@brickeninvestmentgroup.com Want to read the full show notes of the episode? Check it out below: [00:00:00] TC Macker: people don't know what we really do. And, and I try to tell people , it's complex to sell a property. It's not like, Hey, you just stick it on the market and good luck, right? I mean, you really have to know what you're doing. If you want to ensure that you go from A to Z and hopefully avoid as many hiccups as possible you know, people can get lucky. But if you wanna be continuously successful you better have a plan.  [00:00:31] Sam Wilson: TC Macker is an investment sales broker specializing in commercial properties in Los Angeles. Tc, Welcome to the show.  [00:00:38] TC Macker: Thank you for having me, Sam. I appreciate  [00:00:40] Sam Wilson: it. Absolutely. Tc, there are three questions I ask every guest who comes into the show in 90 seconds or less. You tell me where did you start? Where are you now and how did you get there?  [00:00:48] TC Macker: Oh, good question. Well, I I guess it's in the genes. My dad Tim Macker was a, a real estate commercial real estate broker in Los Angeles. and I guess I was the kid of the family that decided to go into the family business. So, always wanted to do what my dad did. I never knew really what he did. I didn't know what commercial real estate even really meant even up, even up through college. So, my dad was pretty good about separating, his business life and family life. But nevertheless, after I graduated college, Boston College, I came back and, and jumped right. Did started as tenant tenure rep leasing of office buildings in downtown Los Angeles. And today, Where are you? So I, I transitioned over time. I didn't, you know, when you jump into real estate, there's so many, you don't realize how many choices you have. You know, is it industrial? Is it retail? Is it office? Is it investment sales? Is it leasing? Is it self storage? Is it hotels? Is it golf courses? ultimately I moved from 10 rep leasing and of high rise billions in downtown Los Angeles to really focusing on investment sales. So selling. Commercial properties mostly on the side of the seller. Hmm. And really focusing my business on that.  [00:02:00] Sam Wilson: Got it. Got it. Tell me, so what, what are some things today, like, what are, what are some properties you've, that, that you're working on today that you'd say, Hey, you know, this is, this is an asset that I think is really fun that I'm working on, or, Here's a unique deal that, that we're putting together right now. [00:02:19] TC Macker: You know, we sort of, it, it, it, it's interesting and that's why I sort of selected this focus. , it's because I sell properties that could be as small as, as $2 million. And like I'm selling a pet hospital right now, where I'm representing this, this family that's owned this pet hospital for 30 years and they're finally retiring. very nice people and. I'm excited to represent their interest and we're selling to another pet hospital operator. So I'm doing that. And then on the other end of the spectrum, I'm, I'm selling a development site in Santa Monica, California. That's a very prominent site that. Where you could build 150 units and that's gonna go for something in the 30 million range. So, and I sell everything in between and some things that are even more so. But most of the stuff I sell is, is localized to. The LA market and more specifically, most of the stuff I sell is in the, on the west side, which is you know, sort of the Manhattan of, of California or of  [00:03:18] Sam Wilson: Los Angeles. Got it. And so you represent almost exclusively on the, on the seller, is that correct? That's correct. That's correct. And how does that Every once in a while I'll sell yeah, go ahead. Sorry. Well, how does that differ, I guess, because I'm, I, I'm not a, not a commercial real estate broker per se, so how does that differ, you know, from somebody, I guess that has a, a book of investors break, break the difference down, and why is it important? [00:03:44] TC Macker: Well, good question. And there's certainly people that are successful representing certain investors and certain buyers. Again, it's all about your client relationships that you make. I chose to represent sellers because I look at it, I like the seller's side. I like working with the property owner. Mm. I like the marketing aspect. And I also look at it as you know, if you're on the seller side, then all the buyers and buyers brokers are coming to you. If you're on the buyer broker side, then in many cases you have one shot or you're competing against other buyer brokers and other investors. So I thought for my business, for me I was more excited to be on the seller.  [00:04:24] Sam Wilson: What, what do you feel like are things there? What, what are some common things that you tell every client that you work with that helps them get their properties moved at the price they want? [00:04:36] TC Macker: That's a good question. That's a hard question. because sometimes, obviously I can't predict what the market will bear. Sure. I do tell them that, that my goal, is to. expose the property to as many investors and, buyers brokers as possible, and to also make the offering as as possible. So I, you know, I emphasize that with every single investment we put on the market, that we do it right, everything's approved by the client we make sure everything's professionally done with high quality professional photos, every property. So I have a. I have in my office a, a we created a if you're familiar with contracting, the Gantt chart, G a n t t chart. So if you're putting together a door and you give it to a contractor and the workman, they can go through and put the door in the jam and properly connect it. And it's very, very detailed. And so we took a Gant chart and applied it to commercial real estate and went through and actually have a big. Board over my office. I'm happy to hold it up with all the responsibilities and items that, the ingredients, so to speak to successfully sell a property from the pre-marketing to the marketing for the postmarketing. And, and then we also, and we also then assign tasks to, you know, some are seller tasks, some are broker tasks, some are lender tasks, some are buyer tasks. Some are title tasks, some are escrow tasks. So each thing is itemized. Cause a lot of people don't know what we really do. And, and I try to tell people it's, it's complex to sell a property. It's not like, Hey, you just stick it on the market and good luck, right? I mean, you really have to know what you're doing. If you want to ensure that you go from A to Z and hopefully avoid as many hiccups as possible you know, people can get lucky. But if you want to continue, if you wanna be continuously successful you better have a plan.  [00:06:22] Sam Wilson: Absolutely. What are some things that you feel like are on that chart you've made that would be surprising to our listeners? [00:06:31] TC Macker: I think a lot of it is the, you know, a lot of people sort of have an idea, if you're a late person, as to, how a property is sold cuz they sold their house or they bought a house before. . I think what's a little bit different when you're looking at selling a, a commercial properties is lot of things I would say in the chart that are in the pre-marketing and the postmarketing that people don't think about. You know, for example, in the post marketing, if you sold a property and you paid a million dollars for it, now it's worth 10. That's great, but now you have, if you haven't thought about the tax consequence, that can be, that can become a big problem. Cause you're, you're, you know, in California, with California state and Fed tax, you're gonna give away about 33.3%. To the government unless you decided to do a 10 31 exchange. So, a lot of people don't think about the 10 31 exchange until they're already in escrow, and we try to get out in front of those items with, with our clients. And we talked about it initially at the first meeting, you know, Hey, what are you gonna do with the proceeds? And some people may wanna go by, you know, sell out in the sunset and move to Hawaii, that's fine. But others don't understand all the complexities of, of what happens after you sell a property.  [00:07:43] Sam Wilson: I think that's really fascinating Yeah. To get, to get that out in the front. And those aren't things I think about from the sell side because I'm on the buy side typically, you know, which is, what are you gonna do with those proceeds? Of course, you know, we have those conversations later on with most seller. If, if it's a direct a buyer or direct a seller for us, cuz I wanna find out if there's owner financing available or at least if they'll carry some of it. But you know, for you, getting, getting that out, out, out right in the beginning is probably super super valuable to your clients. What are. What are some things, I guess, are there certain property types? I know you, you're dealing with everything from a pet hospital, which I'm really curious what's interesting about pet hospital and a veterinarian. Like, I don't, maybe I don't have enough experience with pets, but what's the difference, just pure curiosity. [00:08:27] TC Macker: That's a good question. You know, I, I guess it's just another way, you know, a vet clinic versus a pet hospital, they're very similar. Our zoning is, North California, we have just every, they make it challenging on us, so everything's put in a particular box. So, you know, and they only allow certain uses within certain areas. So it, it's a classification.  [00:08:49] Sam Wilson: Got it, got it. Okay, cool. So I guess when you, when you, when you looking at all these different properties, is there, is there one that's moving more than another? Is. Opportunity that you're, and again, I know you, you represent the sellers, but where do you see the most opportunity for investors? Cuz obviously you need both. So is there, is there one in particular that stands out to you right now as a great, a great opportunity or even a good opportunity to sell if you're a seller? Is, I mean, you know, is there a certain asset type? You said, man, right now is a great time to put what you own on  [00:09:22] TC Macker: the market. Two questions. I mean, you know, that's a question that I'm asked. Daily. And you know, I, I think right now with where we are, you know, if we're in a recession or not, certainly the darlings right now of types for commercial real estate seem to be industrial warehouses. I would say is number one. I would say a close number two would be apartments. And then there's a big gap. And the next one down I would say would be retail. And it's certain kinds of retail that don't necessarily eat with, you know, the internet, so, you know, soft goods or challenging, but maybe, you know, restaurants or obviously people still need to go to restaurants and those type of things. And then I would say a distant fourth, the major food groups. For commercial real estate investment would be office buildings. And I'd say office buildings right now are, are the most challenged because, because of this sort of the pandemic is, is put a lot of people sort of in limbo as to what they want to do. Are they gonna go back to the office? Are they gonna go a couple days a week? Are they gonna have half their employees come in? And we see this at, with every business at least in Los Angeles, where you see. Go look at the, you know, parking garages or the, or the parking lots. You'll see, you don't see a hundred percent full parking lots anymore. You see 40, 50% at best. And that seems to be a theme. And so there's a reshuffling of office space, you know, at, you know, before the pandemic. We were trying to put as many people as possible in one. and, in these sort of creative open full pen type spaces. And now with the, pandemic and now we're going back to maybe more, you know, keeping people apart from one another. So, we'll see, We'll see. So office buildings, I think are, are very challenged right now. You know, obviously there are some anomalies, you know, owner user office buildings seem to be in demand and we saw a lot of those. So that's someone that's renting right now that, Besides, they wanna own a own, own their own building. And you can get SBA loans are still plentiful. Although the loans have been, you know, rates have been creeping up it still can make a lot of sense for the right investor. So we are selling owner user buildings. We're still selling office buildings, but it's certainly a challenged product type now where there's opportunity. Look, whenever there's a challenged product type, that's, that's where the opportunity really is. You know, can you take that office building and repurpose it? Can you, you know, for something else, maybe it becomes, We've had an, we had an office building in our market. Go from you know, Eighties office billings that were ripped down are now distribution center for Amazon. So, that can happen. Obviously some other office billings are being torn down for housing. Some office billings re repurposed as housing, as apartment S, so it's ever changing. So that, that is opportunity. And I think with industrial, even though it's, in, in highest demand, there's still opportunity there too cuz there's only a limited supply of it. So yes, cap rates are low. Yes, it's hard to find investments in the industrial area, but if you can, it's, it'll probably be a long, a good long term hold. And then an apartment says, as at the affordability of homes continues to, to increase. I mean, it, it just, it's LA is a crazy place to own a house cuz it just, Now, now the, the housing, the houses are a million dollars and up for the, for the least expensive house. So how many people can afford that? And that's gonna force especially with the interest rates coming up, that's gonna force more people to be renters. So apartments, I think will continue to see the benefit of that sort of push, if that makes.  [00:12:48] Sam Wilson: Yeah, certainly it does. Yeah. What did I get a, I got an email today, it was a 30 year, I get, it's just a weekly staff shot that comes out and it was a 30 year fixed mortgage residential, of course. And it came out, it was like 6.875 was , the rate being quoted the day. And it was like another point, another quarter or 0.2 or 20, 25 basis points for a refile and that. I'm like, Wow, you. We're now in the sevens on and imagine about a million dollar, million dollar acquisition. That's, that's a lot for for the average American to to swallow. On a on an annual basis. So that's very, very interesting. Tell me this, you know, preparation when you, you know, obviously one of the things you said initially, we talked about this a few minutes ago, is that you asked me what are they gonna do with the proceeds are gonna 10 31 at, what are some other key things that you would recommend to sellers as they think about and prepare to sell their buildings? [00:13:43] TC Macker: Good questions. Cuz there's a lot of, a lot of things you have to think about. Most people don't think about such as if you're thinking about selling your property you know, simple things like going through and, and curing, you know, deferred maintenance. Looking at, you know, pulling a title report on your, on your property and making sure you clean up the, the title in case there's, you know, certain things that shouldn't be on the title that need to be fixed, like old loans or. Things that have been you know, easements and other things that you can cure prior, prior to putting on the market. Also, if you're doing a 10 31 exchange, and let's just say you and I own a property together and we hold it as an llc, one llc, it would be, best for us to do a rollout into a tenant in common situation. So, You and I have separate interests. We did that before we put the property on the market and that way we can both go our own separate ways and I can do it 10 31 and you may not, or vice versa. Or we might both do 10 30 ones, but that way we can separate our interest and go our separate ways. Versus if we keep it as that same entity, then we'd have to move our money together and go together. So I see that all the time. You know, I sold a property last year and I think we had 17 different owners. And so before we put the property in the market, we had to make sure we got all that. You know, properly documented so that everybody could do what they wanted with their proceeds. What, Those are things that people don't usually think, think about.  [00:15:14] Sam Wilson: No, certainly they don't. And what was the time, I'm just really curious from a personal point of view, how much time does it typically take for people to go from that LLC to tick structure? Is that planning that out? 30 days, 60 days? I mean, what's the look? It could be done  [00:15:32] TC Macker: quickly in terms of a quick claim deed. The The issue is more about the you know, talking to your accountant. So I, I always recommend people talk to their CPA accountant or tax attorney or both because different accountants and different tax attorneys have different interpretations of, of what, how they sort of season the rolling out. So some people think that that it's best to do the rollout a year in advance of selling your. some people have done it in escrow. obviously the, the goal is to not get, you know, flagged by the IRS until you, and, and you don't want your 10 31 to be invalidated, right? So that's the goal. But different people have different interpretations, so it, it is good to think about these things ahead of time, if you  [00:16:14] Sam Wilson: can. Yeah, absolutely. Absolutely. Anything else come to mind that you said, you know, these are, these are some things that sellers should really be considering that, you know, you commonly see people overlook?  [00:16:25] TC Macker: Well, I think also looking at your, you know, your tenant mix, depending on if you have tenants or not. You know, do you have any issues with your tenants that you can. fix ahead of time. I mean, by that, if you, there's some kind of improvement that hasn't been done or you know, there's some option coming up. Obviously you want to, you, you wanna make your rent roll as attractive as possible, you know, you get more. more, of a multiple, depending on your multiple will be bigger. If you have a better income, or excuse me, you have better income. If you have a better income, you're gonna have a. A better purchase price based on the multiple. So you wanna make sure your income is, you know, as best as possible. So, you know, if there's tenant leases coming up, maybe you renew them, maybe you don't depending on the situation.  [00:17:06] Sam Wilson: I, I like that idea of making your rent role attractive. Because that is, that's probably something that, you know, if you're thinking about selling, maybe, you know, you hadn't considered was going, Okay, lock in your tenants in, in longer term leases if possible. I mean, get 'em, get 'em. I would think, I would think that that would add value to the property going, Okay, hey, you know what? Maybe you're up for renewal. Let's go ahead and get a five. Get some, Get some built in. Built in increases in there, and go ahead and make sure that you're gonna be here for a while. And as many of those as you can lock up on your property, I would imagine would only increase the value of it.  [00:17:40] TC Macker: That's true that there's situations where I advise the opposite if it's an owner user property. So if a property has a short term month to Montana, let's say, and the property is gonna sell pro, you know, the probable buyer is a user, then I would say don't touch the tenant. Leave em b. But yes, most of the time it's, can we look at our rent roll and make, you know, cuz if you're buying as a pure investment, then the, the, depending on who the, the buyer is a lot of them wanna see a staggered rent role and they want to, they don't want how all the leases coming up in the same day. And they would like, you know, something as, you know, it's all, it's all risk. All based on risk. So when you look at cap rates, if you buy a McDonald's with a 20 year lease, they sell it a three and a half, 4% cap rate. And there's a reason for it. It's because it's, hopefully you don't have to do anything Hopefully you're just collecting mailbox money. versus, versus if I've got a mom and pop tenant, you know, vet hospital, let's say you know, are those people gonna be in business in three years, five years? I. So in the cap rate, it'll be adjusted accordingly. So it's just something to look at with each property. [00:18:48] Sam Wilson: Right? Absolutely. Love Ittc, you've given us a lot of things here to think about from the sell side. You know, as, as we consider selling properties, as you talked about, you know, looking at what it means to get our properties ready, making rent roll, attractive, thinking about zoning, you know, a lot of things that probably I don't think about as often because again, you know, we're mostly buyers. So it's I think it's really, really interesting to get perspective from you on what it's like to represent commercial property owners almost exclusively on the on the sell side. If our listeners wanna get in touch with you or learn more about you, what is the best way to do that? So,  [00:19:25] TC Macker: you can follow me on social media. I'm pretty active. I have my handle, is. West LA CRE on Instagram. You can also find me on LinkedIn, TC Macker, T period C, period. Macker, M A C K R. The T is for Timothy, the C is for Christopher. I go by T.C. My parents did that to me. So TC Macker on LinkedIn. I'm also on Instagram. Also Facebook. You can also reach me the old school way. My telephone number is (310) 966-4352 or by email T.C Macker West Mac, W e s t m a c . com [00:20:07] Sam Wilson: Awesome tc, thank you for coming on the show today. Certainly appreciate it and have a great rest of your afternoon and one include all of those links there in the show notes as well. So thanks again. Appreciate it,  [00:20:18] TC Macker: Sam, thanks for having me. I really appreciate it. Connect with me:   I love helping others place money outside of traditional investments that both diversify a strategy and provide solid predictable returns.     Facebook   LinkedIn   Like, subscribe, and leave us a review on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on.  Thank you for tuning in!   Email me → sam@brickeninvestmentgroup.com Want to read the full show notes of the episode? Check it out below: [00:00:00] TC Macker: people don't know what we really do. And, and I try to tell people , it's complex to sell a property. It's not like, Hey, you just stick it on the market and good luck, right? I mean, you really have to know what you're doing. If you want to ensure that you go from A to Z and hopefully avoid as many hiccups as possible you know, people can get lucky. But if you wanna be continuously successful you better have a plan.  [00:00:31] Sam Wilson: TC Macker is an investment sales broker specializing in commercial properties in Los Angeles. Tc, Welcome to the show.  [00:00:38] TC Macker: Thank you for having me, Sam. I appreciate  [00:00:40] Sam Wilson: it. Absolutely. Tc, there are three questions I ask every guest who comes in the show in 90 seconds or less. You tell me where did you start? Where are you now and how did you get there?  [00:00:48] TC Macker: Oh, good question. Well, I I guess it's in the genes. My dad Tim Macker was a, a real estate commercial real estate broker in Los Angeles. and I guess I was the kid of the family that decided to go into the family business. So, always wanted to do what my dad did. I never knew really what he did. I didn't know what commercial real estate even really meant even up, even up through through college. So, my dad was pretty good about separating his, his business life and family life. But nevertheless, after I graduated college, Boston College, I came back and, and jumped right. Did started in tenant tenure rep leasing of office buildings in downtown Los Angeles. And today, Where are you? So I, I transitioned over time. I didn't, you know, when you jump into real estate, there's so many, you don't realize how many choices you have. You know, is it industrial? Is it retail? Is it office? Is it investment sales? Is it leasing? Is it self storage? Is it hotels? Is it golf courses? ultimately I moved from 10 rep leasing and of high rise billions in downtown Los Angeles to really focusing on investment sales. So selling. Commercial properties mostly on the side of the seller. Hmm. And really focusing my business on that.  [00:02:00] Sam Wilson: Got it. Got it. Tell me, so what, what are some things today, like, what are, what are some properties you've, that, that you're working on today that you'd say, Hey, you know, this is, this is an asset that I think is really fun that I'm working on, or, Here's a unique deal that, that we're putting together right now. [00:02:19] TC Macker: You know, we sort of, it, it, it, it's interesting and that's why I sort of selected this focus. , it's because I sell properties that could be as small as, as $2 million. And like I'm selling a pet hospital right now, where I'm representing this, this family that's owned this pet hospital for 30 years and they're finally retiring. very nice people and. I'm excited to represent their interest and we're selling to another pet hospital operator. So I'm doing that. And then on the other end of the spectrum, I'm, I'm selling a development site in Santa Monica, California. That's a very prominent site that. Where you could build 150 units and that's gonna go for something in the 30 million range. So, and I sell everything in between and some things that are even more so. But most of the stuff I sell is, is localized to. The LA market and more specifically, most of the stuff I sell is in the, on the west side, which is you know, sort of the Manhattan of, of California or of  [00:03:18] Sam Wilson: Los Angeles. Got it. And so you represent almost exclusively on the, on the seller, is that correct? That's correct. That's correct. And how does that Every once in a while I'll sell yeah, go ahead. Sorry. Well, how does that differ, I guess, because I'm, I, I'm not a, not a commercial real estate broker per se, so how does that differ, you know, from somebody, I guess that has a, a book of investors break, break the difference down, and why is it important? [00:03:44] TC Macker: Well, good question. And there's certainly people that are successful representing certain investors and certain buyers. Again, it's all about your client relationships that you make. I chose to represent sellers because I look at it, I like the seller's side. I like working with the property owner. Mm. I like the marketing aspect. And I also look at it as you know, if you're on the seller side, then all the buyers and buyers brokers are coming to you. If you're on the buyer broker side, then in many cases you have one shot or you're competing against other buyer brokers and other investors. So I thought for my business, for me I was more excited to be on the seller.  [00:04:24] Sam Wilson: What, what do you feel like are things there? What, what are some common things that you tell every client that you work with that helps them get their properties moved at the price they want? [00:04:36] TC Macker: That's a good question. That's a hard question. because sometimes, obviously I can't predict what the market will bear. Sure. I do tell them that, that my goal, is to. expose the property to as many investors and, buyers brokers as possible, and to also make the offering as as possible. So I, you know, I emphasize that with every single investment we put on the market, that we do it right, everything's approved by the client we make sure everything's professionally done with high quality professional photos, every property. So I have a. I have in my office a, a we created a if you're familiar with contracting, the Gantt chart, G a n t t chart. So if you're putting together a door and you give it to a contractor and the workman, they can go through and put the door in the jam and properly connect it. And it's very, very detailed. And so we took a Gant chart and applied it to commercial real estate and went through and actually have a big. Board over my office. I'm happy to hold it up with all the responsibilities and items that, the ingredients, so to speak to successfully sell a property from the pre-marketing to the marketing for the postmarketing. And, and then we also, and we also then assign tasks to, you know, some are seller tasks, some are broker tasks, some are lender tasks, some are buyer tasks. Some are title tasks, some are escrow tasks. So each thing is itemized. Cause a lot of people don't know what we really do. And, and I try to tell people it's, it's complex to sell a property. It's not like, Hey, you just stick it on the market and good luck, right? I mean, you really have to know what you're doing. If you want to ensure that you go from A to Z and hopefully avoid as many hiccups as possible you know, people can get lucky. But if you want to continue, if you wanna be continuously successful you better have a plan.  [00:06:22] Sam Wilson: Absolutely. What are some things that you feel like are on that chart you've made that would be surprising to our listeners? [00:06:31] TC Macker: I think a lot of it is the, you know, a lot of people sort of have an idea, if you're a late person, as to, how a property is sold cuz they sold their house or they bought a house before. . I think what's a little bit different when you're looking at selling a, a commercial properties is lot of things I would say in the chart that are in the pre-marketing and the postmarketing that people don't think about. You know, for example, in the post marketing, if you sold a property and you paid a million dollars for it, now it's worth 10. That's great, but now you have, if you haven't thought about the tax consequence, that can be, that can become a big problem. Cause you're, you're, you know, in California, with California state and Fed tax, you're gonna give away about 33.3%. To the government unless you decided to do a 10 31 exchange. So, a lot of people don't think about the 10 31 exchange until they're already in escrow, and we try to get out in front of those items with, with our clients. And we talked about it initially at the first meeting, you know, Hey, what are you gonna do with the proceeds? And some people may wanna go by, you know, sell out in the sunset and move to Hawaii, that's fine. But others don't understand all the complexities of, of what happens after you sell a property.  [00:07:43] Sam Wilson: I think that's really fascinating Yeah. To get, to get that out in the front. And those aren't things I think about from the sell side because I'm on the buy side typically, you know, which is, what are you gonna do with those proceeds? Of course, you know, we have those conversations later on with most seller. If, if it's a direct a buyer or direct a seller for us, cuz I wanna find out if there's owner financing available or at least if they'll carry some of it. But you know, for you, getting, getting that out, out, out right in the beginning is probably super super valuable to your clients. What are. What are some things, I guess, are there certain property types? I know you, you're dealing with everything from a pet hospital, which I'm really curious what's interesting about pet hospital and a veterinarian. Like, I don't, maybe I don't have enough experience with pets, but what's the difference, just pure curiosity. [00:08:27] TC Macker: That's a good question. You know, I, I guess it's just another way, you know, a vet clinic versus a pet hospital, they're very similar. Our zoning is, North California, we have just every, they make it challenging on us, so everything's put in a particular box. So, you know, and they only allow certain uses within certain areas. So it, it's a classification.  [00:08:49] Sam Wilson: Got it, got it. Okay, cool. So I guess when you, when you, when you looking at all these different properties, is there, is there one that's moving more than another? Is. Opportunity that you're, and again, I know you, you represent the sellers, but where do you see the most opportunity for investors? Cuz obviously you need both. So is there, is there one in particular that stands out to you right now as a great, a great opportunity or even a good opportunity to sell if you're a seller? Is, I mean, you know, is there a certain asset type? You said, man, right now is a great time to put what you own on  [00:09:22] TC Macker: the market. Two questions. I mean, you know, that's a question that I'm asked. Daily. And you know, I, I think right now with where we are, you know, if we're in a recession or not, certainly the darlings right now of types for commercial real estate seem to be industrial warehouses. I would say is number one. I would say a close number two would be apartments. And then there's a big gap. And the next one down I would say would be retail. And it's certain kinds of retail that don't necessarily eat with, you know, the internet, so, you know, soft goods or challenging, but maybe, you know, restaurants or obviously people still need to go to restaurants and those type of things. And then I would say a distant fourth, the major food groups. For commercial real estate investment would be office buildings. And I'd say office buildings right now are, are the most challenged because, because of this sort of the pandemic is, is put a lot of people sort of in limbo as to what they want to do. Are they gonna go back to the office? Are they gonna go a couple days a week? Are they gonna have half their employees come in? And we see this at, with every business at least in Los Angeles, where you see. Go look at the, you know, parking garages or the, or the parking lots. You'll see, you don't see a hundred percent full parking lots anymore. You see 40, 50% at best. And that seems to be a theme. And so there's a reshuffling of office space, you know, at, you know, before the pandemic. We were trying to put as many people as possible in one. and, in these sort of creative open full pen type spaces. And now with the, pandemic and now we're going back to maybe more, you know, keeping people apart from one another. So, we'll see, We'll see. So office buildings, I think are, are very challenged right now. You know, obviously there are some anomalies, you know, owner user office buildings seem to be in demand and we saw a lot of those. So that's someone that's renting right now that, Besides, they wanna own a own, own their own building. And you can get SBA loans are still plentiful. Although the loans have been, you know, rates have been creeping up it still can make a lot of sense for the right investor. So we are selling owner user buildings. We're still selling office buildings, but it's certainly a challenged product type now where there's opportunity. Look, whenever there's a challenged product type, that's, that's where the opportunity really is. You know, can you take that office building and repurpose it? Can you, you know, for something else, maybe it becomes, We've had an, we had an office building in our market. Go from you know, Eighties office billings that were ripped down are now distribution center for Amazon. So, that can happen. Obviously some other office billings are being torn down for housing. Some office billings re repurposed as housing, as apartment S, so it's ever changing. So that, that is opportunity. And I think with industrial, even though it's, in, in highest demand, there's still opportunity there too cuz there's only a limited supply of it. So yes, cap rates are low. Yes, it's hard to find investments in the industrial area, but if you can, it's, it'll probably be a long, a good long term hold. And then an apartment says, as at the affordability of homes continues to, to increase. I mean, it, it just, it's LA is a crazy place to own a house cuz it just, Now, now the, the housing, the houses are a million dollars and up for the, for the least expensive house. So how many people can afford that? And that's gonna force especially with the interest rates coming up, that's gonna force more people to be renters. So apartments, I think will continue to see the benefit of that sort of push, if that makes.  [00:12:48] Sam Wilson: Yeah, certainly it does. Yeah. What did I get a, I got an email today, it was a 30 year, I get, it's just a weekly staff shot that comes out and it was a 30 year fixed mortgage residential, of course. And it came out, it was like 6.875 was , the rate being quoted the day. And it was like another point, another quarter or 0.2 or 20, 25 basis points for a refile and that. I'm like, Wow, you. We're now in the sevens on and imagine about a million dollar, million dollar acquisition. That's, that's a lot for for the average American to to swallow. On a on an annual basis. So that's very, very interesting. Tell me this, you know, preparation when you, you know, obviously one of the things you said initially, we talked about this a few minutes ago, is that you asked me what are they gonna do with the proceeds are gonna 10 31 at, what are some other key things that you would recommend to sellers as they think about and prepare to sell their buildings? [00:13:43] TC Macker: Good questions. Cuz there's a lot of, a lot of things you have to think about. Most people don't think about such as if you're thinking about selling your property you know, simple things like going through and, and curing, you know, deferred maintenance. Looking at, you know, pulling a title report on your, on your property and making sure you clean up the, the title in case there's, you know, certain things that shouldn't be on the title that need to be fixed, like old loans or. Things that have been you know, easements and other things that you can cure prior, prior to putting on the market. Also, if you're doing a 10 31 exchange, and let's just say you and I own a property together and we hold it as an llc, one llc, it would be, best for us to do a rollout into a tenant in common situation. So, You and I have separate interests. We did that before we put the property on the market and that way we can both go our own separate ways and I can do it 10 31 and you may not, or vice versa. Or we might both do 10 30 ones, but that way we can separate our interest and go our separate ways. Versus if we keep it as that same entity, then we'd have to move our money together and go together. So I see that all the time. You know, I sold a property last year and I think we had 17 different owners. And so before we put the property in the market, we had to make sure we got all that. You know, properly documented so that everybody could do what they wanted with their proceeds. What, Those are things that people don't usually think, think about.  [00:15:14] Sam Wilson: No, certainly they don't. And what was the time, I'm just really curious from a personal point of view, how much time does it typically take for people to go from that LLC to tick structure? Is that planning that out? 30 days, 60 days? I mean, what's the look? It could be done  [00:15:32] TC Macker: quickly in terms of a quick claim deed. The The issue is more about the you know, talking to your accountant. So I, I always recommend people talk to their CPA accountant or tax attorney or both because different accountants and different tax attorneys have different interpretations of, of what, how they sort of season the rolling out. So some people think that that it's best to do the rollout a year in advance of selling your. some people have done it in escrow. obviously the, the goal is to not get, you know, flagged by the IRS until you, and, and you don't want your 10 31 to be invalidated, right? So that's the goal. But different people have different interpretations, so it, it is good to think about these things ahead of time, if you  [00:16:14] Sam Wilson: can. Yeah, absolutely. Absolutely. Anything else come to mind that you said, you know, these are, these are some things that sellers should really be considering that, you know, you commonly see people overlook?  [00:16:25] TC Macker: Well, I think also looking at your, you know, your tenant mix, depending on if you have tenants or not. You know, do you have any issues with your tenants that you can. fix ahead of time. I mean, by that, if you, there's some kind of improvement that hasn't been done or you know, there's some option coming up. Obviously you want to, you, you wanna make your rent roll as attractive as possible, you know, you get more. more, of a multiple, depending on your multiple will be bigger. If you have a better income, or excuse me, you have better income. If you have a better income, you're gonna have a. A better purchase price based on the multiple. So you wanna make sure your income is, you know, as best as possible. So, you know, if there's tenant leases coming up, maybe you renew them, maybe you don't depending on the situation.  [00:17:06] Sam Wilson: I, I like that idea of making your rent role attractive. Because that is, that's probably something that, you know, if you're thinking about selling, maybe, you know, you hadn't considered was going, Okay, lock in your tenants in, in longer term leases if possible. I mean, get 'em, get 'em. I would think, I would think that that would add value to the property going, Okay, hey, you know what? Maybe you're up for renewal. Let's go ahead and get a five. Get some, Get some built in. Built in increases in there, and go ahead and make sure that you're gonna be here for a while. And as many of those as you can lock up on your property, I would imagine would only increase the value of it.  [00:17:40] TC Macker: That's true that there's situations where I advise the opposite if it's an owner user property. So if a property has a short term month to Montana, let's say, and the property is gonna sell pro, you know, the probable buyer is a user, then I would say don't touch the tenant. Leave em b. But yes, most of the time it's, can we look at our rent roll and make, you know, cuz if you're buying as a pure investment, then the, the, depending on who the, the buyer is a lot of them wanna see a staggered rent role and they want to, they don't want how all the leases coming up in the same day. And they would like, you know, something as, you know, it's all, it's all risk. All based on risk. So when you look at cap rates, if you buy a McDonald's with a 20 year lease, they sell it a three and a half, 4% cap rate. And there's a reason for it. It's because it's, hopefully you don't have to do anything Hopefully you're just collecting mailbox money. versus, versus if I've got a mom and pop tenant, you know, vet hospital, let's say you know, are those people gonna be in business in three years, five years? I. So in the cap rate, it'll be adjusted accordingly. So it's just something to look at with each property. [00:18:48] Sam Wilson: Right? Absolutely. Love Ittc, you've given us a lot of things here to think about from the sell side. You know, as, as we consider selling properties, as you talked about, you know, looking at what it means to get our properties ready, making rent roll, attractive, thinking about zoning, you know, a lot of things that probably I don't think about as often because again, you know, we're mostly buyers. So it's I think it's really, really interesting to get perspective from you on what it's like to represent commercial property owners almost exclusively on the on the sell side. If our listeners wanna get in touch with you or learn more about you, what is the best way to do that? So,  [00:19:25] TC Macker: you can follow me on social media. I'm pretty active. I have my handle, is. West LA CRE on Instagram. You can also find me on LinkedIn, TC Macker, T period C, period. Macker, M A C K R. The T is for Timothy, the C is for Christopher. I go by T.C. My parents did that to me. So TC Macker on LinkedIn. I'm also on Instagram. Also Facebook. You can also reach me the old school way. My telephone number is (310) 966-4352 or by email T.C Macker West Mac, W e s t m a c . com [00:20:07] Sam Wilson: Awesome TC! thank you for coming on the show today. Certainly appreciate it and have a great rest of your afternoon include all of those links there in the show notes as well. So thanks again. Appreciate it,  [00:20:18] TC Macker: Sam, thanks for having me. I really appreciate it.

Hello and welcome back to the L.A. Parent podcast, where our host, first-time mom and L.A. Parent Digital Editor Nina Harada talks all things parenting -- the joys, the challenges and all the feelings that come with parenting. Nina and her family recently spent 2 weeks in North California visiting with her husband's family. Being away from home and the daily routine is not easy for any of us, especially not easy for a toddler. Join us as Nina shares about her family's adventures, tantrums, meltdowns, cuddles and feeling sad, happy and excited all at the same time. How is your summer going so far? We would love to hear about your adventures. And for more inspiration and tips on how to travel safely, visit laparent.com. You can also read our latest issue focused on family travel: LA Parent/Current Issue. Share your travel ideas and best places to visit with us. Tag us with #LAParentTravels and let us know about your latest adventure close by or far away. You can also find us on Instagram, Facebook and Twitter! Happy Travels!

In this episode of ABL Live, we covered a variety of topics including Michelle Tafoya leaving NBC Sports after 30 years to pursue other interests including conservative political journalism, the controversy surrounding 20-year-old Amir Locke being shot by police in Minneapolis, Canadian police attempting to end the Freedom Convoy with disastrous results, Kim Potter receiving two years for the accidental shooting of Daunte Wright, US Track and Field sprinter Sha'Carri Richardson's cries of racism in the case of Russian figure skater Kamila Valieva, the North Carolina dad who destroyed the local school board meeting over masks mandates and CRT, and much more!

Welcome to Bees with Ben podcast episode 81. Randy Oliver is a commercial beekeeper in California who currently runs around 1,000-1,500 hives with his two sons. He started keeping bees as a hobby back in about 1966, and later obtained science degrees specialising in entomology. In 1993, the varroa mite arrived in California, and after having his apiary wiped out for the second time in 1999, Randy decided to fight back, devouring every scrap of data he could, in order to learn more about beekeeping and provide beekeepers the world over with a resource that is evidence-based and scientifically verified, so that they are better able to make sound, practical management decisions. Randy is a regular contributor to the American Bee Journal, and his website, www.scientificbeekeeping.com contains a wealth of information, in the form of blogs and articles. He has authored books on beekeeping, and is a popular keynote speaker at beekeeping conventions, as well as having visited beekeepers all over North America and several other continents. Due to the time difference, Ben had to get up at 2:30 a.m. to record this podcast! Ben describes Randy as a ‘guru of gurus' and is really pumped for this episode despite the early start. Randy says it's now almond season in California; premium almond pollination forms a substantial part of his business. He says Californian beekeepers are a bit different to their colleagues in other parts of the US. California is not a very good honey producer but has an advantage due to the early build up and is an important supplier of queens and packaged bees. Randy tells Ben he had a pretty simple business model that used to work well. The almonds start to bloom in February, and immediately after almond pollination had finished, he retrieved his colonies and split them. He works on selling 1,000 nucleus colonies a year, and they would all be sold by the end of April, resulting in the vast majority of his income being derived from a three-month period. Any honey was a bonus! Randy also used to take his bees to Nevada for the irrigated lucerne crop, but they pretty much looked after themselves for the rest of the year. The varroa mite changed all that, as it was impossible to leave bees alone for any length of time without management. There was simply not enough food for the bees in the Californian foothills where Randy resides, so he was forced to experiment with pollen subs, and found that in this way he could successfully keep the bees at home. Randy informs us that he is currently running an experiment using oxalic acid dissolved in glycerine on cellulose sponges in order to combat varroa mites. He says it is organic, cost effective and efficacious. He has also been running a very strong selective breeding programme for varroa resistant colonies, and says he now has 14% of colonies that require absolutely no treatment to stay free from varroa, although varroa-resistance is not yet a reliable heritable trait. He is confident there are no negative traits associated with varroa resistance.

Noah Dickerson and Trevor Mueller are joined by former video coordinator Jacob Wisness. Jacob worked as video coordinator under Lorenzo Romar and Mike Hopkins. The two talk about the value of video and the differences between the two coaches. They then recap the 2-0 home weekend for the Huskies.

In our last episode of the year we talk with Nokia's chief customer experience officer, Ricky Corker, an Aussie expat in North California who talks about how he sees the state of telecoms as we head into 2022. We also catch up on the week that was with Rohan Pearce and Simon Dux. See you early next year!  

Episode 10: Show Notes Welcome to another episode of Norcal and Shill! During today's conversation, we get to know photographer and songwriter, Julia Sky. Tune in to hear all about her relationship with crypto, her thoughts on NFT, and her lifelong love of art and what sparked it. She also tells the story of working with her uncle in the wholesale diamond business before finding a job at a tea shop, and shares some of the best advice ever given to her: everything is a negotiation. Hear why Julia most relates to cheetahs out of all the creatures in the animal kingdom, and why she is undecided on where she would live for the rest of her life if she could pick only one place. We talk about food, travel, and whether we'd rather take on 100 duck-sized horses or one horse-sized duck in a fight. Join us today to hear all this and more!  Key Points From This Episode:•    An introduction to today's guest, photographer and songwriter, Julia Sky. •    We check in with Julia and hear all about her relationship with crypto and her ledger.•    Her first thoughts when she heard about NFT and how she dove into learning more.•    What led to her loving art: a lifelong interest and parents who facilitated it.•    Her job with her uncle in the wholesale diamond business, before working at a tea shop.•    Why, if she could be any animal, she would be a cheetah.•    What she has been craving lately: pho. •    How the advice that everything is a negotiation has been helpful to her.•    Where she would live if she could live anywhere for her whole life: Chicago or Bali.•    Her travels in North California and what she loved about it, especially the Redwoods.•    Would you rather fight 100 duck-sized horses or one-horse sized duck? We weigh in.Links Mentioned in Today's Episode: Julia Sky on TwitterJulia Sky on InstagramJulia Sky on Opensea'Nara Dreamland'NorCal and Shill on Twitter

Spring Washam shares how meditation and mindfulness can help you manage and reduce stress and anxiety. Washam is a founding teacher at East Bay Meditation Center in North California and leads workshops & retreats.Lizzie Asher, co-Founder of Macchu Pisco with her sister, Melanie, explains the process of making pisco, the national spirit of Peru. Pisco is a clear white distilled spirit made from wine known for its purity (like a fine brandy). Enjoy alone or in cocktails like the Pisco Sour.Fearless Fabulous You Radio Show is broadcast live at 12noon ET Wednesdays on W4WN Radio – The Women 4 Women Network (www.w4wn.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). This podcast is also available on Talk 4 Podcasting (www.talk4podcasting.com).

Stories of how extreme heat and wildfires are affecting communities are pouring out of the Western U.S. and Canada. One that caught our eye is out of Oregon, where a wildfire is threatening power grid lines in North California. This comes as the power grid is stretched thin across much of the country Plus, migration trends between the U.S. and Mexico are flipping. And, how self-driving car technology can be used for wheelchairs. Guests: Axios' Andrew Freedman, Stef Kight and Joann Muller. Credits: Axios Today is produced in partnership with Pushkin Industries. The team includes Niala Boodhoo, Sara Kehaulani Goo, Dan Bobkoff, Alexandra Botti, Justin Kaufmann, Nuria Marquez Martinez, Sabeena Singhani and Alex Sugiura. Music is composed by Evan Viola. You can reach us at podcasts@axios.com. Go deeper: Heat wave engulfs the West as Death Valley hits 130 degrees Migration trends between the U.S. and Mexico have flipped upside down Wheelchairs get the Tesla treatment with new smart tech Learn more about your ad choices. Visit megaphone.fm/adchoices

July 11th, 2021 daily recap of the news headlines.

This week, we kick off the HBO Max Showdown! We asked ourselves, "Should we cancel HBO Max?" and decided to make a challenge of finding shows good enough to keep it. In today's episode, Schmee introduces Riker to Barry (HBO MAX) with just the pilot episode, "Chapter One: Make Your Mark." We discuss how effectively the pilot established the genre for the show, introduced the characters, presented the plot for the season/series to come, and hooked us to watch more. Do not forget to send a cryptic email to billing@BarryBlock.com and forward the response to PilotsThePodcast@gmail.com, and we will read it aloud in one of our episodes! Follow us and let us know what you think! Twitter: @PilotsThePod | Facebook: www.facebook.com/PilotsThePodcast | Instagram: www.instagram.com/pilotsthepodcast/ Check out our website at www.PilotsThePodcast.com.

Hear from a North California property appraiser and former succulent and plant seller, Kienan Parr.  We discuss how cannabis growth, both illegal and legal, affect property value in Nevada Country, California. , ***This is a remote podcast due to COVID-19; audio quality is downgraded*** Sponsorships: Anchor.fm To show your support visit our support page to make a contribution towards future episodes.  --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Time Stamps 00:00 -  Intro & Chit Chat 23:24 - Hitec RC News 1:09:36  - Beach RC Bench Racing Q&A 1:36:17 -  Tekno Rc Main Interview Bryce Beaver 2:50:22  -  TNR Fuels Stop & Go  3:01:44 -   Sun City RC Down & Quiet - House Of RC Tutorial 3:31:00 - JQ Racing Rant  Wassup NNRC Squad it is Friday and that means it is podcast day. Joining Lefty in the virtual studio is Nor Cal racer and one of the owners of Lugz RC racing Tires, Bryce Beaver. Bryce chats about the racing in North California, his racing career and of course to talk about  the new tire in the tire game that is Lugz RC. Thank you Bryce for your time and your support of the pod. It was a great chat. This week Conny Svennson the owner of House Of Rc for an update and tutorial on the new features of HORC.   Max Mort joins as co-host and he dropped a new video on wheel base right here : https://youtu.be/FWqeXRtgFJE   NNRC Squad Thank you to all the NNRC Squad around the world none of this is possible without you guys. Your support is very much appreciated.   Patrons Of The NNRC  Thank you to the Patrons of the NNRC for your support and help keep these bills paid. If you wish to support the podcast more you can at : https://www.patreon.com/NNRCPodcast    Please follow us on : Facebook - https://www.facebook.com/TheNoNameRCP... Instagram- https://www.instagram.com/thenonamerc... Website - http://nnrcpodcast.com/​  YouTube :https://youtube.com/c/TheNoNameRCPodc...    Thank you to the awesome companies that support the NNRC:  https://www.facebook.com/mayako.offic...  - Mayako  1/8th scale buggy  https://www.tnrfuels.com/-Nitro​​ Fuel company owned  by racers for racers https://www.hitecrcd.com/​​ - Charger & Servos for all RC https://www.teknorc.com/​​ - 1/8th and 1/10th RC Car Company  https://www.beachrc.com/?aff=327​​ - Beach RC Hobby Shop https://www.lugzracing.com/​​ - Tires save 30% with NNRCLUGZ https://jqracingusa.com/​​ - JQ Racing Nitro and Ebuggy https://www.manscaped.com/​​ -   Promo code NO NAME for 20% off  https://www.facebook.com/groups/43166​​ - Sun City RC Race Track   https://www.racecraft-usa.com/​​ - Get your Command Module Get Pitted https://papawillys.net-​​ For all your RC traction needs ( code NNRC 10%) https://walliebuilds.com/​​ - Professional RC Car Builds https://houseofrc.com/​​ - House Of RC Website  Everything https://www.rc-gp.com/​​ - First Ever World Series of RC Racing

Rob van Herpen is the Regional Vice President for North America at 5CA. He is based in North California. 5CA has a two-decade history of work-from-home (WFH) CX and Rob was here on CX Files a year ago helping companies quickly move to WFH in the early stages of the pandemic. Now he is back and talking more strategically about how WFH will evolve, embracing hiring from anywhere and 'fans of brands.' https://www.linkedin.com/in/robvherpen/ https://5ca.com/

Bert goes to the bone in North California with the legendary James a.k.a. Caber. Manager of True Aim (formerly known as the Airsoft Ministry), famous for his rants on Youtube, being an all-out self-proclaimed nerd but most importantly a great guy. Bert & James talk airsoft, James' time in Iraq and how his tour of duty affected his life and his career in airsoft.

This week features two Feature Discussions. In our first feature discussion, Nikkil Sudharsanan and Associate Editor Ntobeko Ntusi as they discuss the article "Variation in the Proportion of Adults in Need of BP-Lowering Medications by Hypertension Care Guideline in Low- and Middle-Income Countries: A Cross-Sectional Study of 1,037,215 Individuals from 50 Nationally Representative Surveys." Then in our second feature discussion, join author Aloke Finn and Associate Editor Jeffrey Saffitz as they discuss the article "Microthrombi As A Major Cause of Cardiac Injury in COVID-19: A Pathologic Study." One addendum to the Feature Discussion with Drs. Sudharsanan and Ntusi: ·       Dr. Sudharsanan wanted to clarify that treatment needs were determined for each country based on multiple blood pressure measurements taken on the day of the survey; however, all the estimates were based on BP measured on just one day, rather than over several weeks as is done in clinical practice. This is related the final question posed in the first Feature Discussion. TRANSCRIPT BELOW Dr. Carolyn Lam: Welcome to Circulation on the Run, your weekly podcast summary and backstage pass to the journal and its editors. We're your co-hosts, I'm Dr. Carolyn Lam, Associate Editor from the National Heart Center and Duke National University of Singapore. Dr. Greg Hundley: And I'm Greg Hundley Associate Editor for the Pauley Heart Center in Richmond, Virginia at VCU Health. Dr. Carolyn Lam: Guess what, Greg, it's another issue with a double feature. We are going to be discussing microthrombi as a major cause of cardiac injury in COVID-19. Dr. Greg Hundley: Yes, Carolyn and our second discussion will be centered on blood pressure lowering in low and middle-income countries. But how about you and I both grab a cup of coffee and jump into the other articles in this issue. Dr. Carolyn Lam: Sure thing. I got my coffee and let's start with gestational diabetes. Now, we know that leads to an earlier onset and heightened risk of type 2 diabetes, which is a strong risk factor for cardiovascular disease. But Greg, do you think that attaining normal glycemia following gestational diabetes can ameliorate the access risk? Dr. Greg Hundley: Carolyn, that's a really great question. I would think so but how about you tell me what these authors found. Dr. Carolyn Lam: Yep. This next paper it's from Dr. Gunderson from Kaiser Permanente, North California and colleagues. They exactly sought to answer the question and realize that it was unclear whether attaining normal glycemia can ameliorate the excess cardiovascular disease risk that's associated with gestational diabetes. So they evaluated gestational diabetes history and glucose tolerance after pregnancy and found out whether or not it was associated with coronary artery calcification in women. The obtained data from the CARDIA study which is a US multicenter community-based perspective cord of young black and white adults age 18 to 30 years at baseline. Dr. Carolyn Lam: This is what they found. Women without previous gestational diabetes showed a greater increase in the risk of coronary artery calcification associated with worsening glucose tolerance. However, women with a history of gestational diabetes had a twofold higher risk of coronary artery calcification across all subsequent levels of glucose tolerance. Midlife atherosclerotic cardiovascular disease risk among women with previous gestational diabetes is therefore not diminished by attaining normal glycemia. And this is discussed in an accompanying editorial by Dr. Jennifer Green from DCRI entitled Cardiovascular Consequences of Gestational Diabetes. Dr. Greg Hundley: Carolyn, well, sounds like I was wrong but our next paper, it's going to review for us a little bit about IgE. Remember that immunoglobulin associated with itching. So Carolyn immunoglobulin E or IgE belongs to a class of immunoglobulins involved in immune response to specific allergens. However, the roles of IgE and IgE receptor in pathological cardiac remodeling and heart failure or a non. So in this study, the investigative team measured serum IgE levels and cardiac IgE receptor expression in diseased hearts from humans and mice. Dr. Carolyn Lam: Oh, Greg, I'm itching to find out what this study showed. Dr. Greg Hundley: Yes, Carolyn, going from the quizmaster now to is it comedy now? Serum IgE levels were significantly elevated in patients with heart failure as well as in two mouse cardiac disease models induced by chronic pressure overload via transverse aortic constriction and chronic angiotensin two infusion. Now, interestingly Carolyn, IgE receptor expression levels were also significantly up-regulated and failing hearts from human and the mouse model. Dr. Greg Hundley: Carolyn, the authors found that IgE induction plays a causative role in pathological cardiac remodeling at least partially via the activation of IgE receptor signaling in cardiac myocytes and cardiac fibroblasts. So future studies are needed to determine if therapeutic strategies targeting the IgE receptor axis and as to whether they may be effective for managing IgE mediated cardiac remodeling. Dr. Carolyn Lam: Fascinating. I never thought of IgE involved in cardiac remodeling. Now, this next paper really interesting. Regulators are always evaluating the use of non-interventional real-world evidence studies to assess the effectiveness of medical products. The RCT DUPLICATE Initiative was formed to use a structured process to design real-world evidence studies to emulate randomized control trials and compare results. Now, this paper represents the first 10 trials emulations in RCT DUPLICATE, and it's from Dr. Jessica Franklin from Brigham and Women's Hospital and Harvard Medical School in Boston and her colleagues. And they did this to evaluate cardiovascular outcomes of antidiabetic and antiplatelet medications. Dr. Greg Hundley: Wow, Carolyn. So how does they do this? Dr. Carolyn Lam: So they use patient level claims data from US Commercial and Medicare-PEERS and implemented inclusion exclusion criteria of the trial selected primary endpoints and compare the populations to emulate those of each of the corresponding randomized controlled trials within the trial mimicking populations, they then conducted propensity score matching to control for more than 120 pre-exposure con founders. Dr. Greg Hundley: So Carolyn, were they able to emulate their randomized clinical trial results? Dr. Carolyn Lam: Now, despite the attempts to emulate the trial design as close as possible, there were still differences between the randomized control trial and the corresponding real-world evidence study population. The regulatory conclusions were equivalent in six of 10 studies. The real-world evidence emulations achieved a hazards ratio estimate that was within the 95% confidence interval from the corresponding trial in 8 of 10 studies. Agreement between the trial and real-world evidence findings varied depending on which agreement metric was used. Dr. Carolyn Lam: Interim findings indicated that selection of active comparative therapies with similar indications and use patterns enhance the validity of the real-world evidence. And so, even in the context of active comparators concordance between trial and real-world evidence findings was not guaranteed partially because trials were not emulated exactly. More trial emulations are needed to understand how often and in what context real-world evidence findings will match the trials. And yet these initial findings of RCT DUPLICATE really indicate circumstances when real-world evidence may offer causal insights where trial data is either not available or cannot be quickly or feasibly generated Dr. Greg Hundley: Well, Carolyn, that is really interesting findings there because we're all trying to decide what to do with these large data sets and combining the results of millions and millions of data points and very interesting findings in this study. How about we see what else is in the issue? Dr. Carolyn Lam: Absolutely. Well, let me start. There's an exchange of letters among doctors Villarreal, Cárdenas Suri, [and] Navarro-Castellanos regarding the Multi-system inflammatory syndrome in children. The ECMO needs and Kawasaki disease likeness. There's also an ECG challenge by Dr. Pillai entitled "A Tale of Two Blocks". Dr. Greg Hundley: Well, Carolyn, I've got a very nice In-Depth review from Dr. Van Belle regarding transcatheter aortic valve replacement in bicuspid aortic valve stenosis. And there's a Research Letter from Dr. Lew entitled “Short-Chain Enoyl-CoA Hydratase Mediates Histone Crotonylation and Contributes to Cardiac Homeostasis.” And then finally, Dr. Nordin Hanson from Amsterdam has a very nice piece on the Clinical Implications of Basic Science Research entitled “DAMPening Mortality in COVID19: Therapeutic Insights from Basic Cardiometabolic Studies on S100A8/A9.” Well, Carolyn, how about we check out the double feature. Dr. Carolyn Lam: Definitely let's go, Greg. Dr. Greg Hundley: Well listeners, we are here for our first feature discussion on this March 9th issue and we have with us Nikkil Sudharsanan from Heidelberg and also our own Associate Editor Ntobeko Ntusi from Cape Town. Welcome gentlemen. Nikkil, could you please describe for us the hypothesis that you wanted to test your study population and your study design? Dr. Nikkil Sudharsanan: Yeah, so for our hypothesis, we really wanted to know, depending on which hypertension treatment guideline you chose, what implications does it have at the population level for the number of people in low and middle-income countries that would require treatment or that you would want to place on treatment. And we were really looking at not just one country, but a whole range of 50 low and middle-income countries. And so our study population is actually from this pretty remarkable data source that combines the World Health Organization surveillance data for many countries with other sources of data, to try to create a comparable almost low and middle-income country super dataset that's specifically designed to answer questions around cardiovascular disease. So our study population was really based on population representative samples for each of the 50 countries we considered. And in most of the countries we focused on the adult population. So those ages 30 and above. Dr. Greg Hundley: And your total sample was over a million participants, correct? Dr. Nikkil Sudharsanan: Yeah, it's a really huge sample. And I think it's a testing to some of these data sources, especially the ones in India and Brazil, but collected just really large sample sizes that contributed to this huge global population. Dr. Greg Hundley: Very nice Nikkil. And what did you find? Dr. Nikkil Sudharsanan: So the big finding is we actually went into it not knowing how the choice or how strong the choice of a blood pressure treatment guideline would be on the number of people that required treatment and were really surprised to see that we took more treatment guidelines, the 2018 American College of Cardiology, American Heart Association guidelines, the kind of typical 140 by 90 blood systolic diastolic blood pressure threshold that you see as part of a lot of guidelines. The UKs NICE guideline and then the WHO Hearts guideline, which is based on their pen and package of essential non-communicable disease interventions. Dr. Nikkil Sudharsanan: And we started a really, really pronounced difference in the proportion and size of the adult population that you would recommend or place under hypertension treatment, depending on which of these guidelines used to decide who gets treatment across these countries. So at the top, we found the American College of Cardiology, American Heart Association guidelines, and for the countries we were considering it put about 27% of women and a really high 35% of men as recommended for blood pressure treatment. Dr. Nikkil Sudharsanan: And then very closely followed to that was the 140, 90 threshold. So it was still high, but not as high, I would think it was around 26% of women and 31%. And then between these two guidelines and the UK NICE and WHO Hearts, there was a really big drop-off in how many people would actually be recommended for blood pressure treatment. Dr. Nikkil Sudharsanan: The NICE guideline, for example, only have 12% of women and about 16% of men and the WHO Hearts is by far the lowest, which only about 10% of women and 11% of men. So I think our first really striking finding was that this choice is not trivial. And depending on which guideline you actually choose to decide who gets treatment in that country, it has really big implications for how many people in that country are going to need treatment. Dr. Greg Hundley: Very good. And Ntobeko, how do you put the results of this study in the context with other research perform to study hypertension? Dr. Ntobeko Ntusi: Thank you, Greg. So we know that although more than 80% of the global battle of Cardiovascular Disease, okay. As in low and middle-income countries, the data around respecters for cardiovascular disease has largely come from high-income countries. And the INTERHEART study was really the first publication about 15 years ago to try and address this question. And it was very apparent both in the INTERHEART study as well as the INTERHEART Africa study of hypertension was one of the key respecters not only for my myocardial infraction, but for cardiovascular disease in general. Dr. Ntobeko Ntusi: In the INTERHEART study hypertension having a hazard ratio of two and the population attributable risk of 17%. And then the INTERHEART Africa study having a hazard ratio of over six. And this paper is really an important application in my view, showing that in a comparison of over a million individuals from 50 countries, there is great variation in the proportion of individuals that need to be treated for hypertension, based on the choice of guideline and definition of hypertension. And if you look at figure one, this is variable from anywhere from 9% to 35%. Dr. Ntobeko Ntusi: The other important contribution of this paper is that the proportion of the population that needs to be treated for hypertension increases with age, which is something that we know but strikingly more than 60% in those over the age of 60 years. And for me, they are really great core key messages that I think are important contributions from this publication. The first one being that the choice of hypertension treatment guideline significantly influences the denominator of what you consider to be hypertensives in your population. The second one is that many people in low and middle-income countries are still unaware of their status of elevated blood pressure and the need for treatment. And I think this is a key point to emphasize. Dr. Ntobeko Ntusi: The third important message is that these first two points I've made have got huge implications for the scale-up costs and healthcare system capacity and that countries need to choose definitions for diseases. And this needs to be aligned with national health policy as well as available resources. And then finally, a key part of the discussion, which I asked the author to address was really around our understanding of the barriers to optimal management of blood pressure in low and middle-income countries and how these gaps can be oppressed. And they speak to the economic and human resources, the health policy, the importance of population screening and importantly education at every level. Dr. Greg Hundley: Very good. Nikkil I'd like to come back to you and then maybe 20 seconds or so, what do you think is the next study that needs to be performed really in this area of research? Dr. Nikkil Sudharsanan: I think there may be two, one is to really build on this in terms of what we showed this is the proportion of people that would require treatment and that's how it varies across these guidelines. I think it's important to also tie that to the resource implications directly, like Dr.Ntusi said, to actually show this guideline would require this many resources versus this many for that guideline. I think that will really help countries in deciding what's actually feasible guideline to implement. Dr. Nikkil Sudharsanan: And the second one, which is I think a much more challenging study to do is just a study of all these guidelines are based on mostly data from high-income countries. And even among these high income countries, there's these discussions on what the appropriate level for treatment is and what point you should initiate treatment. And it seems like this really has not been done with low and middle-income country populations. So we're arguing about four different guidelines that were built for high-income country populations. And I think it would be really important to see some sort of trial or long-term observational study actually in terms of averting cardiovascular disease events which guidelines actually makes the most sense for these countries. Dr. Greg Hundley: Very good. Ntobeko, anything to add to that? Dr. Ntobeko Ntusi: I think I agree completely with Nkkil and I think this paper has a number of really important strengths, and I think those strengths and key contributions have to be taken in the context of one significant limitation and how we interpret these results. And that's the fact that when we normally see a patient in the clinic to diagnose hypertension, we would take two or three blood pressure measurements. In this study, they only took a single blood pressure measurement and that's the basis for the conclusions and for me a key limitation, but nonetheless, I think a very important contribution. Dr. Greg Hundley: Very nice. Well listeners, we want to thank Nikkil Sudharsanan from Heidelberg and Ntobeko Ntusi from Cape town for bringing us this important study, indicating that worldwide there's substantial variation really in the proportion of adults in need a blood pressure lowering medication, depending on which hypertension guideline is used. Well, let's move on now to our second feature discussion.   Dr. Greg Hundley: Listeners, we are now to our second feature discussion and we have with us Dr. Aloke Finn from the Cardiovascular Path Institute in Gaithersburg, Maryland and our content editor expert for pathology, Dr. Jeff Saffitz from Beth Israel Deaconess. Welcome gentlemen. Aloke, could you describe for us, what was the question you wanted to address with this researching? What was your study design and your study population? Dr. Aloke Finn: Great. Greg, thanks for your interest in our article and for highlighting it. We were really interested in understanding what the pathologic causes for cardiac injury were in people hospitalized with COVID-19, as you know, it's been reported in the literature that people with COVID-19 with cardiac injury do worse than those without cardiac injury, but the mechanism is not still well understood. So the study design was really based upon a collaboration with a group from Italy in the Lombardy region, where they had had a terrible outbreak in 2020, as you remember in February. And they had a number of hospitalized. People die from COVID-19 infection, and they too were interested in understanding the pathologic causes of chronic injury. We got IRB approval and those hearts were sent to us during the middle of this pandemic in the February, March time. And we were able to examine 40 of those hearts and report our pathologic findings. And these were unselected cases of hospitalized patients dying of COVID-19. Dr. Greg Hundley: That was great. And tell us a little bit what were your study results? Dr. Aloke Finn: So we, first of all, did an analysis based upon the presence of myocardial necrosis. So that was the sort of the selection factor, which hearts had myocardial necrosis which parts didn't have myocardial necrosis. We found that 35% of the hearts in this 40 cases had myocardial necrosis. Now, we divided those into the type or pattern of myocardial necrosis. Was it acute myocardial infarction? Was there a large area of infarction greater than one centimeter squared or was there focal myocardial necrosis less than one centimeter squared. It's small areas of focal myocardial necrosis. We've found that most cases of patients dying of COVID-19 with myocardial necrosis had focal myocyte necrosis. Not large areas but small areas of myocyte necrosis. And we looked for the cause of those necrosis, majority of those cases with focal myocyte necrosis had microthrombi as the cause of that necrosis. So that suggests the major mechanism of myocardial injury in COVID-19 patients is microthrombi. Dr. Greg Hundley: Very nice. Well, Jeff, let's turn to you. How do we put the results of this study in the context with perhaps other pathologic studies that have been obtained from hearts of individuals that succumb to COVID-19? Dr. Jeffrey Saffitz: It's a very important question. And I want to say that at the outset, there have been many papers published focused on the pathologic findings of COVID-19 patients who have come to autopsy. And I have to say that the quality of these papers has been quite variable. In many cases, the pathology being shown is actually post-mortem artifact. In other cases, the interpretation of the pathology is incorrect. And so I think we have to be very careful in a study like this to make sure that what is being reported is actually valid and meaningful in the context of the important clinical questions being posed. And in this case, I can say the pathology was really extremely impressive and very convincing. Dr. Jeffrey Saffitz: Another important aspect of this study has to do with the comparison of the composition of the microthrombi that were identified in patients dying from COVID-19 versus patients who have other types of coronary thrombosis, but in a different setting. And here, there were some interesting observations that provide insights, not only into mechanism of thrombosis, but also potential information about how one might want to target antithrombotic therapy in these patients. So I would really like to hear more from Dr. Finn on this interesting aspect of this study. Dr. Aloke Finn: Jeff, thanks for your comment and your question. I think I agree with you, this was another interesting aspect of the study. What was done was that were able to examine the constituents of thrombi, different types of thrombi both in the setting of patients who had COVID-19 and non COVID-19 STEMIs as well as microvascular thrombi described in the COVID-19 patients, as well as embolized thrombi that embolized a small microvascular within the heart. And what we essentially found was that these thrombi, that are COVID microthrombi are distinct in their constituents. Distinct in that they had more fibrin and more compliment activation than the other types of thrombi that we're studied. So I do think this begins to unravel the question about how are these thrombi forming and are they different from the type of thrombi we normally treat? And the answer is, yes. Dr. Greg Hundley: Very nice, Aloke. What study do you think needs to be performed next in this space? And after you, I'll ask Jeff the same question. Dr. Aloke Finn: Greg, I would like to know whether or not therapies like anticoagulant, anti-compliment, antiplatelet therapies can decrease the risk or the effect of the COVID-19 on myocardial injury. Is will we see a benefit to anticoagulant or antithrombotic strategies in the study? I think that is the natural next question to ask. Dr. Greg Hundley: Very nice. And Jeff, anything to add? Dr. Jeffrey Saffitz: Yeah, well, I'm an experimental pathologist, so I'm always interested in disease mechanisms. And I would like to understand more about how these microthrombi form, the role of endothelial cell injury, the role of cytokine storm and other factors which we know are contributing. I think in the end having a more fundamental understanding of these mechanisms will provide important insights, not only in trying to manage heart disease, but in fact, other organ system disease, which is likely being mediated by a similar mechanism in the kidney and potentially in the brain and other organs as well. So I think this is a great example about how autopsy can provide really critically important information in a new human disease and set the stage for subsequent studies that will really provide important dew information. Dr. Greg Hundley: Excellent. Well listeners, we want to thank Dr. Aloke Finn from Gaithersburg, Maryland, Dr. Jeff Savitz from Boston, Massachusetts for this excellent discussion and revealing the pathologic results of 40 hospitalized patients from Italy that expired after COVID-19 highlighting the cause of myocardial necrosis and how it was related to the presence of microthrombi. Dr. Greg Hundley: On behalf of Carolyn and myself, we want to wish you a great week and we will catch you next week on the Run. Dr. Greg Hundley: This program is copyright of the American Heart Association, 2021.  

We've got an awesome lady on the show today who is a celebrated singer-songwriter. We had her on the show before and I am happy to have her back featuring her new songs. All the way from North California, it is the wonderful, ubiquitous, and captivating voice of Kate Magdalena. Kate Magdalena gets deep on what's going on in the world right now and how she sees her purpose as a singer-songwriter. She shares a lot of interesting views on the current situation and the pandemic. Also, get to hear these new songs featured today, “This is My Rebel Song” and “I Know A Heartache When I See One”. She shares her plans of going into Pop music and that's something we would definitely look forward with. So, don't forget to check out the links to her website and other social media pages below to keep you updated. More about Kate Magdalena Kate's best place to connect with would be on her Instagram and Facebook. Links are provided below. Also, check out her website where she uploads a blog at least once a month and there are new songs to look forward to.   Quotes: 16:50 “What I have is simply, you know, I want clean water clean air. I want honest government. I want a constitutional government.”   21:46 “Our task, I believe, is to go deep within, is to reassess everything now, and to find out should we even be singing? Should we even be producing art? And if the answer is Yes, then it's got to be something that speaks now to the to the new music industry to the new time that we're in for however long that is.”   26:32 “I think there is a purpose, I don't exactly know. I think it has to do with spiritual healing through music, and not only that delighting through music and entertaining through music, and just being marvelous through music. And music will never lose that power.”   37:02 “I think that's what really lit my fire again. That, you know, I have to feel that I do have something to bring this world through my art, something to give. Not just that I want to receive the glory of it.”   Timestamps: 02:09 Welcome back on the show, Kate Magdalena 07:54 Talking about the COVID-19 Vaccine 12:39 Listen to “This Is My Rebel Song” by Kate Magdalena 16:29 Is Kate a Rebel? 18:19 Kate's take on depression as a singer-songwriter. 22:47 Is there a certain place that Kate thinks she belongs to or somewhere she is comfortable to play in? 25:15 The music industry's purpose. 29:29 Kate's take on COVID-19. 33:08 Kate talks about going back to her purpose. 38:06 Listen to “I Know A Heartache When I See One” by Kate Magdalena 41:57 Going back to the studio and talking about her producer Billy Smiley 44:46 What inspires her to go out of the music that she normally does? 47:09 Kate mentioned she was in a cult in the 80's. 49:25 What would be the best version of Kate's new career? 55:00 Kate's favorite platform to connect with fans. 56:32 Listen to “Connected” by James Kevin O'Connor   Spotify Playlist: Don't forget to check out the dHarmic Rising stars playlists that we have, named Aquila and Orion. Don't miss out on the amazing and talented artists that have been featured on the show. dHarmic Rising stars: Aquila https://open.spotify.com/playlist/4loDaYF0OuWRjZeMXvEjK4?si=L20-loGXR9i6IW0Z_GjEnA dHarmic Rising stars: Orion https://open.spotify.com/playlist/5CnL9tl0xbU4oDh6jtJBZx?si=ecg7eEbLQcSu1dRBDCGALg Special Links and Mentions: Robert Koch Dr. Francis Boyle Anthony Fauci Judy Garland Barbra Streisand Ella Fitzgerald Eydie Gormé Bill Gates Melinda Gates George Soros Madonna John Keats Percy Bysshe Shelley Lord Byron Billy Smiley Joni Mitchell Stephen Stills Crosby, Stills & Nash Sinéad O'Connor Cyndi Lauper George Gurdjieff Hozier   Connect with Kate Magdalena:   Website: https://katemagdalena.com/ Facebook: https://www.facebook.com/katemagdalenamusic/ Instagram: https://www.instagram.com/kate_magdalena/ YouTube: https://www.youtube.com/channel/UCzOsM5sJADWGd--j7xlQxMQ Twitter: https://twitter.com/KateMagdalen iTunes: https://itunes.apple.com/us/artist/kate-magdalena/1245277903 Spotify: https://open.spotify.com/artist/3r9XkUn1NSg2k2hm6JPQPV?si=-JzDwAmlQxqY-55vphtIMQ&nd=1 SoundCloud: https://soundcloud.com/katemagdalena

Academics hate manliness and truth… Tana from Michigan says she has a lot of hate towards black men that she wishes to overcome. Zach from Columbus, OH Jeremiah from North California has questions about all thoughts being lies. --- Back to Jeremiah… Dante from Florence, SC

Sarah Dugdale plays Lizzie on Virgin River, Netflix's wildly popular dramatic serial based on the books by Robyn Carr. Virgin River follows Mel, a Los Angeles ER nurse who heads to the picturesque North California town of Virgin River after experiencing massive trauma in her life. There, almost despite her best efforts, she finds connection, comfort, and all manner of L-O-V-E with its residents. Season one of Virgin River hit Netflix in December 2019 – and when season two dropped in November 2020, it brought with it the same mix of drama, L-O-V-E, and scenery that made season one so addictive, as well as a new character named Lizzie. Lizzie is Connie's niece – Connie is played by the inimitable Nicola Cavendish – and she's sent to Virgin River from LA after getting into a ton of teenage trouble. She's all attitude – or is she? Because over season two, she forges a deep connection with Ricky, played by Grayson Maxwell Gurnsey, who seems to be everything that Lizzie is not. Ricky sees something in Lizzie that everyone else doesn't see – and soon enough, these two virgins of Virgin River are virgins no more, and Aunt Connie is none too pleased. Sarah infuses Lizzie with light, rebelliousness, and nuance – and in this funny and fascinating episode of the YVR Screen Scene Podcast, we find out where Lizzie ends and Sarah begins, where she'd like to go in season three, and why she's #TeamMel all the way. Episode sponsor: Fish Flight Entertainment

Growth Season engages Hosts and creators for The Success Journey Show.  Ricky Venters and Marlon Madden join Season to dig into their "Journey" from friends to family men, business owners to content creators.  You can listen here and on any audio podcast platform, or watch our video format onYouTube @SeasonCromwell https://www.youtube.com/channel/UCsaakHlglGvQ4tXYqCCA3jA _____________________________________________________________________________________________________More about our guests - Ricky VentersRicky is recognized as an Engineer of Impact. Defying the odds, completed his Bachelor's and Master’s Degree in Mechanical Engineering and has achieved his Professional Engineering License. During his tenure in STEM-related fields, Ricky recognized the increasing competitiveness in the industry and sought to become a source of inspiration and mentor to students and young professionals in STEM-related fields.Ricky has provided business development resources and vendor management systems for Johns Hopkins University Facilities and Real Estate department. Where he managed an annual construction portfolio of 150 million dollars, ensuring disadvantaged minority and women-owned businesses were provided with opportunities. He currently works with Johns Hopkins to provide educational programming and mentorship opportunities for startups in the Baltimore area to help build the commercialization ecosystem. Ricky is the Author of two books, one of which is a best seller.In his latest venture, Ricky has partnered with a team of baseball and softball hitting experts to create Hit Doctor MD. An online platform that provides baseball and softball hitting coaching as well as invents and develops hitting training products. He is Married to Nicole Venters and they have three boys. _________________________Marlon MaddenMarlon was born on the sunny island of Jamaica and when he was five years old he moved to Canada.  After relocating to NY he realized his love for being an entrepreneur investing in his own Cab.Marlon knew that life had more to offer. On November 12th, 2002 he joined the United States Marine Corps and has since been stationed in North California, Georgia, Florida, California. He is now an analyst in Washington DC at the Pentagon.He has been deployed 5 times to different countries in the Middle East such as Oman, Iraq, Afghanistan, Syria, Bahrain, and countless others. He has completed his bachelor's in business administration with a concentration in finance and an MBA with a concentration in management. He also started a Limited Liability company in 2006. Some of the business ventures that he has successfully pursued consist of a clothing store and also buying and selling homes. He has done upwards of 1.5 million dollars in real estate deals.Marlon is married to Tamilla Madden and has four kids Jelani 19, Jahzara 16, Rashad 9, and Anaya 4.Together they are the team behind "The Success Journey Show" which is a platform intended to share the behind the scene story of individuals' road to success. You will have the opportunity to learn how the 4 D’s,  Dreams, Drive, Discipline, and Diligence work together to transform your goals into reality. The Success Journey Show has been heard in 60+ Countries and 40 States and is available on all podcast listening platforms.  You can listen to their episodes, find out more, and check out their merch @https://www.thesuccessjourneyshow.com/Season Cromwell IG  @Season_CromwellYouTube @Season Cromwell https://www.youtube.com/channel/UCsaakHlglGvQ4tXYqCCA3jAFB Season Cromwell~ Audio Video Production ~ Josue Garcia, Season Cromwell

Alice, where are you? Gioco estremamente innovativo dove non si usano le parole ma i text messages, appena arrivato fresco fresco di kickstarter, esploriamo il mistero che avvolge Silent Falls in North California, la scomparsa di una giovane teenager con un gameplay masterless, dicless e spechless... Perfetto per il gioco via Roll 20, discord o social.Link Utili Drive Thru Rpg per il gioco digitale https://www.drivethrurpg.com/product/321387/Alice-Is-Missing-A-Silent-Roleplaying-GameLink all'estensione su Roll 20 https://marketplace.roll20.net/browse/module/6051/alice-is-missingPagina del Kickstarter https://www.kickstarter.com/projects/huntersbooks/alice-is-missing-a-silent-role-playing-gameQualche spiegazione dall'autore https://www.youtube.com/watch?v=OmQ3gJXmlyI&ab_channel=HuntersEntertainmenthttps://www.youtube.com/watch?v=3k4h__DmSFk&ab_channel=HuntersEntertainmente dalla bella Becca Scott https://www.youtube.com/watch?v=-nvD49zV09M&ab_channel=GoodTimeSocietye il timer con la bellissima OST https://www.youtube.com/watch?v=ysOOFIOAy7A&ab_channel=HuntersEntertainment

Hosts Koji Steven Sakai and M. Martin Mapoma brought on comedian Joey Guila. In this episode, we put him on the spot and asked him about the best OR worst day of his life. Hint: it was something we think all men can relate to. (It has something to do with the first time he got naked with someone else)Help us improve this show and take this short – very short – quiz . We’ll choose ten random winners to receive a free copy of Koji’s graphic novel 442.Guest Our guest Joey Guila is a comedy that currently resides in North California. Follow him on Facebook at [https://www.facebook.com/joey.guila] Instagram https://www.instagram.com/joeyguilalive//].Find Us Online - Website: http://www.bestorworstpod.com/ - Facebook: https://www.facebook.com/BestWorstDayOfYourLIfePodcast/ - Twitter: https://twitter.com/TheBestOrWorst1 - Instagram https://www.instagram.com/bestorworstdaypod/ About Us Our society is so focused on celebrity, we sometimes forget that “regular” people lead interesting lives too! Best or worst moment of your life? Hosts Koji Steven Sakai and M. Martin Mapoma are here to let your story out. We put people on the spot. What are you going to hear? It could be funny, it could be poignant, it could be sad… you’ll know when we know.Best or Worst is a twice-weekly podcast. On Tuesdays, we get to know our guest and on Thursdays, we find out their best or worst moment.

Hosts Koji Steven Sakai and M. Martin Mapoma brought on comedian Joey Guila. In the first episode, we get to know our guests and in this episode, we got to know the very funny comedian Joey Gila. We talked about comedy, how Joey got started it, life in the world of COVID-19, going on tour with Joy Koy, and surviving cancer. Please consider supporting us on Patreon (https://www.patreon.com/bestorworstpod) Guest Our guest Joey Guila is a comedy that currently resides in North California. Follow him on Facebook at [https://www.facebook.com/joey.guila] Instagram https://www.instagram.com/joeyguilalive//].Find Us Online - Website: http://www.bestorworstpod.com/ - Facebook: https://www.facebook.com/BestWorstDayOfYourLIfePodcast/ - Twitter: https://twitter.com/TheBestOrWorst1 - Instagram https://www.instagram.com/bestorworstdaypod/ About Us Our society is so focused on celebrity, we sometimes forget that “regular” people lead interesting lives too! Best or worst moment of your life? Hosts Koji Steven Sakai and M. Martin Mapoma are here to let your story out. We put people on the spot. What are you going to hear? It could be funny, it could be poignant, it could be sad… you’ll know when we know.Best or Worst is a twice-weekly podcast. On Tuesdays, we get to know our guest and on Thursdays, we find out their best or worst moment.

Sometimes, you can feel stuck. Like me, right now, trying to make justice to yet another amazing woman making a difference in the world. Giving Circles. Covid-19. $1.5 MM in donations. Going West. Yet again impostor syndrome wants to kick in. Will I make it? Will I give up this time around? I drag my feet around my puzzle, I question whether it is too late to do something good today. And then I stand up and remember Emily's words. Take a deep breath. Surely words will come easy when you speak passionately. And indeed they do. Giving Circles made simple My guest for episode 6 is very close to my heart, even though we have never met before. Emily Rasmussen is the founder and CEO of Grapevine, a group giving platform that helps groups of friends, families, alumni, and more to create Giving Circles. A giving circle is a form of participatory philanthropy where groups of individuals donate their own money or time to a pooled fund, decide together where to give these away to charity or community projects and, in doing so, seek to increase their awareness of and engagement in the issues covered by the charity or community project. Wikipedia I could not be more excited at the prospect of the Giving Circles concept being widely spread. After all, at the charity, we are always looking for the donor who is willing to endorse us and indeed create the scale effect that you get with a Giving Circle. Maybe one-day Grapevine will expand here! For now, it is yet another business that brings us a story of growth during Covid-19. Bringing Giving Circles Online Grapevine launched in March and since then they have managed to move $1.5 MM to non-profits, growing their MoM donations at 67% since then. These are not small numbers. Grapevine lives off "tips" from the donours, who can choose what to give on checkout, based (I guess) on their satisfaction with the service they are getting with Grapevine. And through the crisis, donours have indeed found benefit in using Grapevine. Emily always believed there would be a transition from offline to online Giving Circles. As a long-standing concept, founders had often resistance in changing the format of how they met or how they pooled their donations. It was working in many ways to achieve the impact they wanted in the communities. But along came Covid-19 and with it a huge social need. Members of giving circles around the US wanted to step up to this need. However, without the usual means of pooling resources and meeting in-person, they had to move online. Grapevine quickly expanded its offering to help members set up zoom meetings and organise virtual events. They also created mechanisms to allow people to donate out of their usual giving schedule and added the ability to invite friends outside a circle to donate. The troubling times It was not all roses, so to speak. In fact, as the crisis hit, Emily was faced with the round of financing the company was doing frozen as investors stayed on the sidelines to see how things developed. At the same time, the volume of work went crazy for the team of 6, working by then between the East and West Coast as well as Argentina. The team made use of virtual stand-ups to stay connected (even though they mostly did not stand) and Emily believes they got much better at using slack. Finally, she feels like they also grew more flexible in their working practices, knowing people were home all with different circumstances. There are things they will keep when all this is over, whatever over means at this point. Growth on the Horizon At the same time, growing their community at such a fast pace also allowed them to choose a new path of growth - reaching out to this same community to support their equity crowdfunding. The pressure to grow is significant as the need for charity funding is unabated. Emily wants to follow along what Grapevine donours are asking. They want to service existing Giving Circles but also help the creation of brand new Giving Circles that did not exist offline before. So they are offering a piece of the equity action in return for a small investment from the community. It reminds me of Martina in Episode 2 - never stop adapting she said! Changing life Emily also took the bold decision to listen to her mum and move back home to North California to avoid spending the lockdown period in New York. She moved for a few weeks and has now been there for five months. She was lucky to have her own space and keep with her intense hours of work and for now, she can only found positives in the move. The downside will be when she moves out most likely. I think my Mum will relate to that next week when we board that flight back. At home, Emily could dedicate more time to cooking with her Mum and have meals together, making sure she actually had time for a short break away from work. She started doing more walks and even tried walking meetings as a way to stay active whilst coping with the demands of her business. We both agreed running meetings were a step too further from where our fitness levels were. Managing Challenges Looking back, the biggest challenge for Emily was to deal with the unknown. It is hard to plan or respond if you don't know what is happening next. Emily brings us a few good tips on keeping her sanity through the crisis times. Firstly, she kept up with her morning journaling practice, which she highly recommends. Also, getting out of the unstoppable NY life, Emily also found that time moved at a more contained pace. Time did not fly. Reflecting on the last 5 months, her advice to self would be to take a deep breath and surround herself with people that can help her see the forest from the trees and where they are in the bigger picture. She feels like they were in such crisis mode that this was not always possible. With my charity hat on, I am delighted at how Grapevine found ways to allow charities to continue sourcing financing to the immense need they had on the ground. With my business hat on, I am excited to see how a business could grow out of proportion as a side-effect of this crisis. And me, I just loved meeting yet another amazing woman doing business that is truly changing the world. Emily's Lockdown List Book: Angle of Repose, Wallace Stegner Sport: Hiking Technology: Zoom Lesson: The Value of Connection Word: Tumultuous (but also educational, inspiring, challenging) Connect with us Check out Emily's LinkedIn profile and Grapevine Linkedin Page Visit Grapevine and follow them on Twitter, Instagram or Facebook And participate in their equity crowdfunding!! Join our online community for our weekly tips and useful templates Join our FREE Facebook community Follow me on Linkedin, Instagram or Twitter

Here's another episode of the Cloud-Based Real Estate Brokerage Podcast where I interview the TOP influential real estate agents, team leaders, owners, and coaches on why they decided to make a move here in EXP realty.In this episode, I am going to be interviewing one of the top real estate influencers based in Raleigh, North California with over 20 years of experience, doing 120 million dollars a year in revenue, and over 350 transactions, Tina Caul!She realized that she was searching for freedom, she was searching for leverage...This podcast episode covers:➡️ What are her thoughts before joining eXp and why did she join eXp?➡️ What is the agent collaboration like with eXp?➡️ Tina's advice to any top producing real estate agent➡️ What's her experience like using the eXp CRM for real estate agents?➡️ What are the hindrances in building her personal brand the moment she joined eXp?If this podcast episode with Tina inspired you as it inspired me, you've got to give me a call,  shoot me a text message or even send me an email. Don't hesitate to reach out for a confidential consultation!I GOT YOUR BACK!

In her book, "A Fierce Heart," Spring Washam shares how meditation and mindfulness can help you manage and reduce stress and anxiety. Washam is a founding teacher at East Bay Meditation Center in North California and leads workshops & retreats. Co-Founder of Macchu Pisco, Lizzie Asher explains the process of making pisco, the national spirit of Peru. Pisco is a clear white distilled spirit made from wine known for its purity (like a fine brandy). Enjoy alone or in cocktails like the Pisco Sour.Fearless Fabulous You Radio Show is broadcast live at 12noon ET Wednesdays on W4WN Radio – The Women 4 Women Network (www.w4wn.com) part ofTalk 4 Radio (www.talk4radio.com) on theTalk 4 Media Network (www.talk4media.com). Thispodcast is also available on Talk 4 Podcasting (www.talk4podcasting.com).

James: Hey audience and listeners, this is James Kandasamy from Achieve Wealth Through Value Add Real Estate Investing Podcast. Today I have Rama Krishna from California. Rama has been focusing a lot on apartment purchases which is averaging around 30 to 40 a units and at the largest you have done were 59 units. So it's going to be very interesting especially for a lot of people who are trying to get into the game and also looking for like high cash flow as well, you're going to go detail on why sometimes the smaller deals makes a lot more money than larger deals. So hey Rama, welcome to the show.  Rama: Thank you James. Thank you for having me.  James: And one of the things that we want to talk about apart from going into Rama's strategies and businesses, we want to go into what asset manager can do during these Covid19 crisis that has been happening right now. Hopefully I can publish this podcast as soon as possible. But I'm sure it's going to be very relevant because it's going to take a few months for this crisis to subside I guess, it may take a few more quarters to fully subside. So Rama, did I miss out anything on your credentials?  Rama: No, not much I think. So just to kind of re-summarize, I am based out of California in the corporate Bay area of San Francisco, an IT professional. So just to recap like 90 seconds. I started like from real estate two years back started from single family homes and I always want to actually to do Real Estate but the problem is in Bay Area, really hot market. I cannot get any cash flow. It's kind of very hard to find deals and I didn't want to do out of state because I have a very stressful IT job here. I cannot travel out of state to do these things. I was postponing doing real estate for so long time, but three years back kind of pull the trigger, bought my two single family homes, one in Raleigh and Atlanta, that's where it started and quickly realized that I cannot scale with single family homes and got into multifamily, bought eight apartment complexes between 20 to 80 units. That's a more like a sweet spot for me. Like doing the deals. We can go further into that. One thing, we started, we didn't talk before is that construction projects, two new construction projects, 97 and 92 units in Raleigh, Durham, North Carolina. So they are like devalue adds, value adds and the new construction mostly into that existing apartments and new developments.  James: Got it. That's very interesting. I think we should just definitely talk about you and maybe do a separate podcast for the Covid19 asset management because there's so much of information that I want to get from you and I think the Covid19 thing is also very important. So that's going to be another podcast maybe before or after this. So let's go into details; the market that you have been focusing on that, I know we talk offline before this is Florida, Kansas City and Ohio, and you are sitting in California. At what point of your work, you are very stressful IT guy. I mean, I was a stressful IT guy too. What was that aha moment saying that hey, I better go buy something else or did you play around with stocks and realize stocks is not for you? So what was that aha moment that said that you need to go and focus on buying a multifamily apartments?  Rama: So I did two businesses, IT businesses, products and the consulting business. I did stocks, options and everything. It was a lot of active businesses, I need to be there, and I am really active, let’s say if somebody can start restaurants, like franchises, you need to be there in that actively. So you are there to be part of the business, then you cannot succeed in that. Even IT businesses or consulting or product development, everything is active here. Even where a lot of people have a lot of money from IT as freelancing or like full time jobs, but the problem is if they stop going Monday morning they cannot make money. That's the main part for me to getting into the Real Estate and then I bought these single family homes, I'm getting like $200, $300 for each single family home as a cash flow. But then I wanted to scale it, but at the same time I thought I cannot scale it. The problem with apartments at the time for me personally living in Bay area, these apartment complexes are so expensive. These are like 20, 30, 40, $50 million. I didn't even know that we can buy a apartment complexes. The two things, kind of the aha moment for me is we can buy apartments as a common man with syndication. Syndication is another thing. I was buying single family homes myself and I know a lot of my friends actually buying single family homes out of state. They buy in Texas, North California; they buy everywhere all the single family homes. But if you combined 10, 20, 30 people combined, we can actually buy larger complexes, larger commercial properties. That was a [05:17unclear] the syndication itself was an aha moment for me.  James: Was that from someone talking to you or from bigger pockets or you're talking about syndication or what happened? How did you find it out? Rama: I learned about this syndication with a webinar from Neil Baba, you know Neil? He was having this weekly or acting monthly multifamily fundamentals webinar. So two years back in November 2017, I had this is a webinar from him and the moment that I did the webinar, I first reached out to him Neil, I want to meet you, this is really good, this is crazy. Then met in a Starbucks in Fremont and I told him after this Neil I want to learn this thing. This is exactly what I wanted to do and he said there's a boot camp coming up. He would come in February and I said I'm going to sign up on that. That's when it kind of started, kind of working from single families to multi families.  James: Got it. What were the few key things in that discussion with Neil that you have was like, wow, this is suitable for me. What was your personal thing that you think that oh, this is very interesting for me. What are the aspects of syndication that was very attractive to you that you think [06:40unclear]. Rama: Three things, Oral apartments is a kind of a scale in the single family home model that what I'm thinking. I know the real estate passive income, but then I cannot buy a hundred, 200, 300 single family homes. The first thing is scale. The second thing is run as a business, like I did my IT businesses before. So apartments is also a business, you need to increase your income, decrease your expenses, and then efficiently run your operations. Make sure that you know everything like people management and you talk to your property managers and investors and your brokers and seeing like identifying this analysis, everything. Run it as a business. Third thing aspect is a syndication model itself. I have like hundreds of friends here and other acquaintances, old colleagues, a lot of people are high net worth individuals. If I can prove myself in this business, I can definitely syndicate and raise capital. So those are the three main aspects for me that kind of struck the card when was talking to him and also the fundamental thing, hey we can buy larger complexes like this. Like I was not even imagining the common man can buy apartments. Those are the three main aspects.  James: Got it. So now you're sitting in California, after you talk to Neil you come out and you already go to his boot camp. Why you went from California to Florida, Kansas City and Ohio? Which deal did you buy for us? Which state was that?  Rama: For my multifamily?  James: Yeah. Multifamily.  Rama: The first five deals, I bought it in Jacksonville, Florida.  James: Okay. Why Jacksonville, Florida? Why not Las Vegas or Utah or Texas? Or is it just that you landed there by luck? Rama: So I want to actually buy a multifamily in Raleigh, Durham and Atlanta because that's where I started. When I started researching about markets for my single family homes, with all the research I did, I picked these two markets, Raleigh and Durham.  James: Okay. What are the things you saw in Raleigh, Durham and Atlanta that were like awesome [08:49unclear].  Rama: Some of it I think was I'm reading all the articles and reading all the articles and everything with the technology stuff happening also there and jobs moving in, I didn't actually connect the dots at the time, When I did the boot camp from Neil then I was able to connect the dots and say hey, these are good markets. Then I was started offering on deals in North Carolina and Atlanta. Like none of them were pencilling out, like what is this? Even two, three years back it's not working out. I can't imagine now, maybe like with Corona, it's never kind of worked out for me because I never purchased in the last three years. When I started multifamily again I started looking into these two markets, Raleigh, Durham and Atlanta. I was offering ton of properties. I visited brokers’ network. Either the deals are like C minus, really bad locations or bad tenant profile. The income is bad, which numbers are working on but the thing is I don't know how to do the deals there or it's too expensive where it just didn't work out for me.  The vision for Jacksonville is when I was trying to expand markets from single family homes, I was looking at Austin and somehow actually got into Jacksonville because of the property manager or the property manager was actually offering, they do turnkey single families home as well. So I was talking to them doing due diligence, everything with them and making sure what kind of deal on single family homes that they can help me on, on rehabbing and the stuff. Then I suddenly like after talking to Neil, I said, guys, I'm not interested in single families. No, we have deals, this is like 60k and we have this 140k [10:39unclear] but they said okay we'll help you in multifamily as well. Let me know if you find any deals. We'll help you manage. That's when Jacksonville started and then they also kind of helped you and due diligence and everything. Then we'll look at a few deals together and we bought this 20 unit deal and that was on market actually, but it's the heavy lifting stuff like the roofs are bad, two, three units are down; it's really heavy lifting. I thought, okay, let me just get into it. The twenty unit is most like a cost of a one condo here. James: Looks so cheap when you look at California?    Rama: You know what I'm going to lose here, let me try it out but we made really good money on that. So definitely that's the good, I got the money from my friends and family first, not as syndication. It's more like a joint venture. A lot of my small multifamily is a joint venture. We can go into details how we've structured those. So that was very good deal. Look back right now. We did that and then quickly since I liked the market, I kind of learned about Jacksonville more. The more I know it's like a really hot market, then the found more deals in the end of that eight months to nine months and then they all are smaller, 20, 30, 12, 32 to 59. James: Syndication. I mean syndication; you can put larger money and buy a hundred plus unit or like some gurus say by start with a hundred plus. Why did you start with 20 and 30? And what is the driving motivation for that?  Rama: Neil actually encourages to start with small, he never said go more than a hundred units, but I'm part of a team of multifamily Mark Kinney. He suggest only a hundred plus units because of several reasons because you're putting effort on a 20 unit, it's the same as 200 units, go hundred plus. I totally believe it from a mentorship perspective, he's different. I did that because when I did my eight LLC taxes for last year and all the administrative work that goes behind these things. I would totally agree with Mark and also any other gurus out there that say go hundred plus units. I totally agree on that from effort standpoint. But there is money to be made in this 4,200 unit space as well. And a lot of people ignore it. There is definitely a possibility that you can put your operations hat there and your creative hat there to see how you can profit from it. You also know from the investor perspective as well.  James: Yeah correct. I started with the 45 units and I really love it just because you really learn a lot from smaller deals and you don't have to go much bigger deal and you forget, you cannot be like skipping elementary school and middle school and try to go direct to high school. I mean you can do it once in a while or when the market's so good but the fundamentals of real estate is really learned on the smaller deals, even with single family. You start with single family and you move to the smaller deals.  Rama: There are pros and cons. For example, the pros are you don't need to have payroll. The con is also the same thing. You don't have a staff and then your property manager may be sitting in some downtown office somewhere. They don't know what's happening at the 20 units or forty units. So you need to have very kind of a good property manager, even for a hundred plus units also you need a good property manager, but at least you have staff. If you can talk to them, hey, what's going on? Because the regional might not be at the site all the time. The regional might be like going once in a month, once in 10 days, whatever. But you have a staff day you can talk to, hey, what's going on leasing, what are the foot traffic? What are other strategies that you have always or do you have going on these units? Have you did the make ready? All of these things. There is a long [14:38unclear] clean you can talk to someone. But if there is a 59 unit somewhere in the west side of Jacksonville and my property managers sitting on downtown, they don't even know the pool guy's coming, they don't know that the lawn is not cut for the last two months. So there is good and bad, especially if you're doing out of state property manager, no asset management. That would be more difficult. But there are ways to mitigate that. Have a local partner in your deal that is onsite, on the ground goes once in a week or so.  James: Did you have a local partner there? Rama: One in Jacksonville but not in Kansas City and [15:2unclear] but now Jacksonville, I have changed my property managers, she's really hands on and she actually sits in one of our office. Jacksonville Unit has an office actually. So she's really good and now I can think of acquiring more properties in Jackson, I was thinking not be acquired more. But if you have really good property manager who is hands and kind of trustworthy, then you can definitely; these are really cash cows.  James: Yeah. I mean the people play the most important aspect in property management. It's a people business. So once you find a really good people, you are motivated. Rama: You are local or have a partner locally in the 40 to 80 unit game and it's definitely worthwhile to [16:08unclear]. James: Because it's not many people look at that space. I mean, the market was so hot right before, pre-Corona, I would say. Now we have to talk about pre-Corona and post-Corona.  Pre-Corona is so much of capital looking for deal and everybody just buy the bigger deals. Rama: Yeah, I do buy the deals in the three bands, James like 40 to 80, 80 to 160 and 160 above. 40 to 80 is where I do kind of deals with mostly JBS and then also syndicate patients deal where you don't need an onsite staff, we can operationalize and make sure that let's say if you have multiple 40 to 80 deals in the same market, you can actually have some scale within that. Have a maintenance person who I only see for properties. So 80 to 160 units where our focus primarily from a syndication perspective when we can have staff. 160 plus is an institutional level where the different companies move there, which I'm not going right now. But I would love to go 160 plus.  James: 160 plus, okay. I think that still does not answer [17:16unclear]. Rama: [17:17unclear] but at least you have a different set up [17:20unclear] James: Different level of people. Yeah, professional investors I would say maybe. That's good. Yeah. I mean so how did you structure this JB on the smaller side? Because you really don't have to do syndication for everything, I mean, if you have a few guys who are your family and friends who are willing to put some large money, you can just do a JB and explain to the audience how did you do that JB and syndication. Rama: Yeah, even if it is JV, I would want someone like they do perform some tasks. It's not that, you know, hey, like it's a JB and I'll do all the work. They allow us to have to do some work on that. Because they all structure James two options here. One, either I put less money and they put more money and everybody will have an equal share. Let's say I'm giving very rough example. I bought 50K and other people put 100K each or 200K each, whatever it is. And each of the 3% will be attached to person of the [18:15unclear]. James: Got it.  Rama: That's one option. The second option is I've also put 100K but all three people will put 100K into the deal, but I get 50%. They both get 25%. It's just very high level examples. Either I put less money in and take an equal percentage with the other investors or I put more money and take higher percentage. But same money as others.  James: All these deals you're buying in these different cities is it all value add or de-value add or cash flowing? How's that?  Rama: Most are value add as some are de-value adds as well. I'm kind of going away cookie cutter stuff, but the cookie cutter stuff, I'd still do it. But for the long-term part. That is more kind of relevant for a JV structure because for syndication I need to perform two to five years, I need to exhibit. But if I find a deal, which is really kind of a long-term goal and that is also good for this model where I don't need to worry about performing something in three to five years, I can even take a bridge loan and refinance it and keep it for longer term to the cash flow that's fine. If you don't get to cash flow, that's also fine. At least you can get all the rehab money from the lender and renovate it fully and then go to a permanent loan and keep it for like another six to eight years or 10 years.  James: Do you finance with the bridge loan in the beginning itself?  Rama: Yes. Yeah. Half of the loans I deal with now are bridge loans.  James: Okay.  Rama: Half of them are Freddie Mac. But see this is a de-value add. I know I can get all the rehab budget from the bridge loan. James: Yeah, correct. De-value adds make sense for... Rama: And then refinance it.  James: Got it.  Rama: So it's like kind of a cookie cutter or a little bit like value adds, I go with Freddie Mac loans.  James: Got it. Yeah. I mean the smaller ones has less competition. Sometimes you make a lot more money because there's no payroll and some people like my 45 units people just like to stay in a smaller community because they don't like bigger and the people, a lot of residents like a smaller communities, they don't need all these amenities. They just say we want housing.   Rama: Yeah that's true and another trend is happening, the build to rent. They're doing a medium density bill to rent the whole complex is for Randwick. So they built a town home complex or a single family home complex only for rent because we will be rendered national for some, and especially this post-Corona, it will be delayed like three more years, people will not be looking at home ownership. But at the same time, they don't want to live in apartments. They can live in a town home community or the kind of a little bit less density, a single family home community, maybe more density, single family home community. They're okay with that, right? Because they still have the pride of ownership. You have a better tenant profile and they can also feel that they're living in a regular home than an apartment complex. So the build to rent a town home and a single family home concept is growing as well.  James: So let's say you get a deal; every day you get a deal right now, I mean you're getting into brokers I presume. So what are the sniff test do you do on the deal? Because sometimes they list too many deals?  Rama: Yeah. I have my 60 seconds rule, 60 minutes rule and I don't know, 60 days like I see the more you go, you're going to spend more time on this deal. So the first thing I do is go to the justice map or CoStar just to see them demographics. For what is the median income and demographics mix on this and how the income is growing in this area. If that is a bad area I just... James: So every deal, the 62nd is that few steps go to CoStar.  Rama: Yes first go to; no, I don't need the CoStar, District Map is free. Just go to justicemap.org, just put that address.  James: What's that website called?  Rama: Justicemap.org. James: Oh justice map, yeah, justicemap.org. Rama: Just go to that, put the address you will see the census block. What is the median income, what is the demographics mix and how the income is changing. Then you will see the first sniff test and then I'll see the rents. Nowadays what I'm seeing is the average rent, like around $750 or about; I'm not going to C minus, C property, C plus or B. So I can quickly take a deal out, 60 seconds or less. And then next step will be go to the bond writing and see what the rent projections are, go to Rentometer or any other, I can go CoStar or Rentometer and see what are the rents. Are they below the market or not because I don't care about the rent growth, what happened in the next five, six years, what is in place rents and what I can achieve the market. That is where I focus. Let's say if it is $75, $150, $200 below, then definitely if it's like a C plus, B area, 45K or 40K median income and the demographics mix is good and everything, then I definitely go to the next level and traditional spend six days or not. Then to go to the 60 days. James: That's probably including the best and final and all that. Rama: Yeah every step that you go 60 seconds, 60 minutes, 60 days you're going to waste your time, effort, money on a deal. You need to talk to programs you need to visit, it adds up the cost, time and effort, energy.  James: Yeah. It's crazy how much work you have to do on progressively. So is there a lot of competition even on the smaller deals? Rama: There will be. Yeah. And it sounds especially previously that lasted two years, this competition for everything. But the 40 to 80 unit spaces, James, the smaller people cannot buy those and they still want a track record and know everything. They don't want to give it the deal to anyone. The bigger people are not interested in this because and the same thing that you said it's too much work. Definitely there will be competition but if you do a JV structure and especially you can do a long-term goal or maybe a tentative exchange because on a largest syndication it'd be 20, 30, 40 people. It's going to difficult to convince everyone, hey, let's do a 10, 31 exchange. So on a smaller deal if I get a 42 unit I know the JV people, like we have five people, so once we got a bridge loan, we renovate, and we’ll sell. Say if somebody wants to know by this thing, we have a bigger pool of money in the pot for the 10, 31 now we can from 42 units they can go to 80 units and then they can move to 160 units. I can spin off three fourth, 10-31 exchanges like that and quickly it can go from 200 to 800 units within two to three years or four years.  James: That's interesting. You can start from small and just doing 10 31 and start increasing. Rama: Exactly, on syndication it's not kind of very difficult. I have 40 investors, like half of them, hey, I need my money back. I let them say, let's just enter the one. Okay. Then it'll be difficult to coordinate this.  James: Oh, right. Interesting. Yeah. I never done a 10 31 exchange up until now because I don't prefer it so much because I'm worried that it costs me to buy the wrong deals. Because all sellers love 10-31 buyers. Rama: TO be active, don't disclose that you're a 10-31 buyer. Have those deal flow, you need to be really active. Every time I have four to five, six deals, then I can pick the right one. Hey, I'm not going to go wrong on this because it's a B property, eighties construction. What are the criteria that you have? The rents are like a hundred dollars lower. I'm okay to even or pay 100K - 200K on this because on the 10-31 you want to certain the deal, you want certain to close it. So picking the right property and make sure you're doing the due diligence and then do the 10-31 because yeah. So worst case, you'd pay taxes and it's not like another wall. It's better than going in the bad deal.  James: Correct. Yeah, absolutely. Absolutely. Absolutely. So tell me about your value add strategy. Do you do interior, exterior and from deck and you define what's the most valuable value add that you have seen? Rama: No, I do de-value add, like if the roofs are leaking, like falling down we get a new roof and completely renovating the units to top-notch, [26:57unclear] dollars also into the C properties. I think the thing is weird to see the holistic picture. There is no one specific thing that I do, which is the most value add, just turning it on the property to create the maximum value out of this. Like if it is a exceeded deferred maintenance, the problem with deferred maintenance is you don't get any rent bump if I change my roof. But you need to make sure that you negotiate the deal. Okay. Hey, this has a roof issue and if you're paying the market price, but for a de-value add that doesn't make sense. If there is an exterior deferred maintenance I would love to know everything in place and only do the interior value add. That is the best thing to do if I can get, but I'm not afraid of de-value adds. I did full redevelopments also I'm doing new construction as well, so whatever the maximum value that you can out of the property on the rent. That is what I looked into it.  James: Got it. So that's very interesting. So tell me about yourself. I mean so you are an engineer and you are doing real estate right now, where do you see yourself in the next five to 10 years? Pre-Corona or post-Corona? Rama: If we didn't have the same conversation January James, I was thinking I would retire in 2020. Like I had two deals. I was about to go under contract at backdoor on one day I was at the deal also I'm at 80% on the fence to back out. Completely changes. So things like this, you go back to the square one, go back to the drawing board or go back to school. . Then rethink your strategies. Yeah, definitely. De-value adds and new construction. I want to get maximum value out of it. Cookie cutter. I'm like mostly ignoring, but if I can do long-term goal, I'm okay with cookie cutter. If not that I can get out three to five years and do this like kind of churn. It's just a lot of work. A lot of people think when you're just come into syndication or a multifamily, it is a passive income. This is not passive income at all, like zero. For investors, yes. So I would continue doing what I'm doing, but it'd be more conservative. The new rules. The rules have changed.  James: The rules have changed. Yeah.  Rama: The playing field changed. The game is changed. Everything is changed. But the fundamentals remain the same. We will be renters’ nation. The multifamily will not go away. People need place to live. The next one year will be a little bit at least six months to one year. It will be tough in the operations perspective, fully focusing on operations on what I have and I'll continue the story, but the story now will be much better. You will see what is the need for passive income now you know better. Things might change. People are getting laid off. So you need to get your passive income streams. The story becomes stronger now and nothing changed in that perspective. James: Correct. Correct. Also in the stocks market you can lose your money, but in a brick and mortar real estate, you don't really lose the money. Rama: The capital is reserved, you have a hard asset. You can go and touch, feel it, and then that's not going anywhere. You might have instead of 8% returns, you might have 2% returns or 1% returns, at least your capital is reserved. Stock markets you're bidding down like crazy there. You're losing half of your money or more than half of your money. So the story got better and maybe easier to pass on this thing. But there might be challenges raising capital in the next few months because people might have lost money in stock or lost their job, whatever it is. But eventually it will come back. The people will remember this. They know the value of passive income more than before. I'll continue the value adds, the de-value adds and new construction strategies into the multifamily.  James: Got it. Is there a proud moment in your life that you think you're really, really proud that you cannot forget? I mean, until now, I mean, of course you're going to do a lot more things right, but until now when you started this business. Rama: Yeah. The first 20 unit deal, when we actually renovated this thing, I really felt happy. It was actually really bad property. The roofs were really leaking and everything; the tenants were bad, the backyard, everything was all trashed and completely, we re-profiled this thing. We did maybe more than 70% returns on that. The manufacturer, that's one thing. Overall the transformation that you do kind of really was proud moment for me and also the land development deals that I'm doing. It was 18 months of effort for us to get these 97 units a town home project, we closed it in February. So I was really proud of that new development site.  James: Got it. So you're like moving from one domain to another domain. That must be a happy moment. Why did you move to development?  Rama: As I said, I like this North Carolina, Austin, Atlanta hot markets because I would rather do it in this market, but there are no deals out there in a sense too expensive. You know Austin? All seventies and eighties property itself is so expensive. I would rather build new but there are unknowns. There are risks for new construction. It's not that easy to hazard zone. James: [32:54unclear] building, if it's [32:57unclear]. Rama: Everybody will be building, it has its own staff but overall I want to be patient to find the right deals and find the right construction partners, find the right type of investors. Not everybody will be interested in new development. You want cash flow. You're not going to get cash flow. There are a lot of risk also. You might lose your capital also in that because there are no assets.  James: You have to go to so many entitlement process and city approvals and all that.  Rama: Exactly, there are red tapes involved, there are so many things involved but I would in a market like Austin or North Carolina I would rather to build than buy a seventies or eighties product. That was the main reason for me to get into new development because I liked the market, what I can do in this market because I love North Carolina, I love Austin, I love North Atlanta. What I can do in these markets from a Real Estate perspective, the only answer for me is the new development.  James: Got it. Interesting. So tell our audience how to get hold of you? Rama: Yeah, you can reach out on my website is zovest.com; you can reach out at rama@zovest.com and I'm active in a lot of Facebook groups, you can reach out to me there as well.  James: Awesome. Thanks Rama for coming in. Happy to have you here and happy that you add a lot of value to our listeners. Thank you.  Rama: Thank you, James. Thank you for having me.

What's that you said? You want Blue Hawaii to go international AND you want us to interview a high-ranking diplomatic official from our great neighbor to the north AND you want us to sit on the episode for 4 months because of a global pandemic. FINE. We did it. This episode, you'll hear the first of our two interviews with Canadian Consul General Rana Sarkar. CG Sarkar serves as Canada's diplomatic representative to North California and Hawaii, and is generally one of the coolest people we've ever met. You're really going to love him. As always, please rate on wherever you get your podcasts, and leave us a kind review. Also, if you follow us on facebook/twitter/instagram/TikTok (we're not on TikTok) share the episode!

Currently 'Sheltering in Place' in North California, Spencer lays out his Top 5 picks which is a deep dive into Fantasy, World Building, and a Little Marky - Mark.

In May of 1977, 20 year-old Colleen Stan was assaulted and abducted while hitch-hiking from Eugene, Oregon to North California for a friend's birthday party. She never could have anticipated the horrors she would be subjected to over the next seven years.

Paul the frequency's original presenter joins Dipak and James to discuss the dominant performance against the Panthers and review the up/coming game against the Cardinals. The cast and the team would like to send well wishes to all the people caught up in the fires in North California. Particularly our current presenter Kat Victorino her husband Joe and family. Keep safe guys. If you would like to get involved by casting or the more technical side of podcasts, do not hesitate to contact any of the people below or cast. Let's go NINERS!!! Music: audionautix.com Researchers: Marc Lyon, Kat Victorino Pick 6 challenge: Ross Irwin Social media: Jason Argo Editor: Nathaniel Dindar

This episode is a little different and I'm excited to keep sharing them. I'd like to create a mini-series where I interview fans of Gary Vee who have subscribed to the Club Empathy Package of Empathy Wine. Empathy sources the grapes for the blends from small family-owned vineyards in North California with the mission of delivering a high quality blend of wine for $20. Here is the link to learn more: www.empathywines.com Simon is my first guest on this series and boy was I excited to chat with him and learn his story. Simon is moved here from Poland 12 years ago with his Mom & Dad, two people who have greatly influenced his life and Simon speaks very highly off. He recently went all-in on being a creative and start his own business and the transition and story always fascinate me. His energy, positivity and desire for connection is awesome to see, he's a natural people person and recently started a dynamic podcast called CoffeeRun, where he brings guests on to share this story and chat as they go on a Coffee Run in Simon's car. I really appreciate you taking the time to listen. If you get any value from these episodes, it would mean the world to me if you left a review with your thoughts / opinions / feedback

Alex Pierson is joined by Lex Gopnik-Lewinski, owner of Augie's Montreal Deli in Berkeley, the only Canadian restaurant in North California.  They speak about the Toronto Raptors and how fans are flocking to a Canadian Deli in Oakland.  A nice little story has been created in the history of sports. 

Pat the Talking Bear Skin Rug sits down with LGBT singer-songwriter Bobby Jo Valentine to chat about where he came from, how he started in the music industry, as well as what inspired him to start writing songs. They also discuss his latest album, Maybe Stars, the devastating toll the North California wildfires put on his life and community, as well as how they banded together to rebuild. Finally, they discuss what Bobby is up to today as well as promote his appearance at Bear Bust in Orlando, FL! Sit back and get ready to FLAME ON!Learn more about your ad choices. Visit megaphone.fm/adchoices See acast.com/privacy for privacy and opt-out information.

Welcome to another fun festive Tin Foil Hat swapcast. So Monday, we were a suppose to do an episode on the Annnaki but our guest got ill during the taping and had to bow out a third of the way through. So Sam and Ryan decide to do a swapcast and join the host of "On The List," Bret Ernst and Pete Giovine, to discuss our 10 Ten Conspiracies of All Time. There is A LOT AND I MEAN A LOT of screaming and shouting on this podcast. So if you aren't into that this might not be the episode for you. Also we want to remind North California that the Tin Foil Hat Comedy Tour is coming to your area....San Fransisco: June 1st at the Cobbs Comedy Club. tickets available at CobbsComedyClub.comSacramento: June 2nd at the Sacramento Punchline tickets available at punchlinesac.comHope to see you there.

The Business Recovery Managers Association (BRMA) is North California's largest business recovery association. In fact, 2018 sees BRMA celebrate its 25th anniversary! In this episode we'll talk to it's President, Fiona Raymond-Cox and previous representative, Julia Halsne. We'll talk about the association and all the benefits it offers it current members and prospective members. Fiona and Julia will talk to us about how we determine our critical vendors and customers and what we need to consider when dealing with them. We'll also talk about how to keep our BCM/DR teams motivated and engaged and how to keep employees and managment engaged in the BCM/DR program, when many would rather place the program on the back burner.

The Business Recovery Managers Association (BRMA) is North California's largest business recovery association. In fact, 2018 sees BRMA celebrate its 25th anniversary! In this episode we'll talk to it's President, Fiona Raymond-Cox and previous representative, Julia Halsne. We'll talk about the association and all the benefits it offers it current members and prospective members. Fiona and Julia will talk to us about how we determine our critical vendors and customers and what we need to consider when dealing with them. We'll also talk about how to keep our BCM/DR teams motivated and engaged and how to keep employees and managment engaged in the BCM/DR program, when many would rather place the program on the back burner.

Interview with Matt Mattison North California Underwater Hunters President Matt Mattison is an avid abalone acquirer. In this chat with him we get right into Abalone and North California spearfishing. Matt's got plenty of experience and he's a genuinely nice bloke so this episode packs a tonne of information and banter. Time Stamps 5:00 Matts story about getting started spearfishing. Learning how to stalk fish properly, how to hold his breath and equipment. Family traditions chasing Abalone. 9:00 North California Spearfishing and the forum No Cal Underwater hunters. 14:00 What has been your most memorable catch? 19:00 What is your favorite Spearfishing Hunting technique? 23:00 Whats one of the toughest situations you've faced in the ocean? 27:00 Veterans Vault | Abalone Chasing (recorded late 2017) How does the fishery work there? What are the size and limits? How are spearos involved in the fishery management? How do you prepare abalone? What do you look for when you are chasing abalone? Where are they likely to be hiding? Do you find them in groups or alone? How do you pry the abalone off the rocks? Where do you find a 10inch abalone? What locations are the best for finding abalone? How do you clean up the shells? Do the smaller ones taste better? Do you have any more tips for finding abalone? 49:00 What is one of the funniest moments you've seen in the water? 51:00 Spearo Q&A Can you describe what the spearfishing experience means to you in one sentence? If yoiu could start all over again, what would you do differently? In your 30+ years spearfishing what is the single biggest lesson you have learned? If you could go back now and give yourself some advice when you were starting spearfishing, what would it be? Who is the single best person to go spearfishing with and why? 55:00 What is in your spearfishing dive bag? Where can the listeners find you? Noob Spearo Partners + some spearfishing discounts . Use the discount code NOOBSPEARO save $20 on every purchase over $200 at checkout. . Listen to 99 Tips to Get Better at Spearfishing or James Nestors ‘Deep: Freediving, Renegade Science, and what the ocean tells us about ourselves’ free  . Subscribe to the best spearfishing magazine in the world . Use code: noobspearo to save $20 on the full Penetrator Spearfishing Fin Range  Use the code noobspearo to save 20% Sign up for ‘The Floater’ – Shrek and Turbo’s email newsletter  Exclusive spearfishing equipment deals The latest blog posts and interviews delivered to your inbox 10 Tips To Become A Better Spearo PDF Access to our Private Facebook group  

North California fire - 10 people died , 1500 structures destroyed. Canyon Fire 2 6 homes destroyed, 5,000 threatened. Texas Tech police officer shot and suspect in custody.

Interview with Jim Russell That's right Jim Russell from North California joins us and gives us a full orientation to spearfishing in North California. From conditions to species as well as insights into equipment, local clubs and hunting techniques this is a phenomenal chat with a top bloke:) Jim was super humble when I reached out to him through social media and was very forward about telling me he's 'just a weekend warrior'. Well that's sometimes exactly what we like here at the Noob Spearo and despite Jim's protests hes a super knowledgeable and experienced spearo with plenty of knowledge that we didnt have before speaking with him. Listen into some bloody good banter about spearfishing in North Cal.

Myron Curtis from Far North California Community Colleges joins Joe and the web team on the Digital Revolution Show. About the guest: Myron defines clear career paths for students, and facilitates the migration to the ICT framework. LinkedIn: https://www.linkedin.com/in/myron-curtis-76167913

Justin Mendoza didn't know much about triathlon until he saw Craig Alexander's 50 minute Aussies Abroad video on Youtube.  Then he knew he triathlon was what he wanted to do.  He had recently transitioned out of Motocross racing after some serious accidents and four weeks after watching the video he did an Olympic distance triathlon near his home in North California. He now lives in Colorado Springs and races primarily races Olympic and half ironman distance triathlons with the hopes of getting his pro license.  We talk about his journey.

Our heroes find themselves in the North California desert where they meet Cathy, Poor-Man's-Burt-Reynolds, Dr. Moustache, and Johnny, who, despite all his rage, is still just a bat in a cage.

Matt Mattison’s Spearfishing Journey Our guest today is a Spearo from North California. He started the NorCal Underwater Hunters forum. He spent a whole year diving up and down the California coast. We talk, fishery management, ab diving, kayak setups, scary moments, and he shares some great stories. Enjoy. Show Links Sponsors: Pre-Roll – 2016USoASpearfishingChampionships.com […] The post TS 059: Matt Mattison’s Spearfishing Journey appeared first on SpearoBlog.

Mike Lane (Alamo, BOAT) comes to Astoria and teaches me about North California town names, we learn our dying noises might be disturbing, and we have fun! Plus this History of BOAT, his very funny sketch team. Tune in...NOW!