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Title: How to Stay Compliant While Raising Millions with Bronson Hill Summary: In this episode of the Mailbox Money Show, host Bronson Hill interviews Seth Bradley, an accomplished attorney and entrepreneur known for his efforts in passive and active investing. The discussion revolves around the significant shifts in the real estate market post-COVID-19, including rising interest rates and the challenges passive investors face with underperforming deals. Seth shares his experiences with multifamily investments and the importance of selecting the right financial structures, highlighting how his focus on fixed-rate loans has insulated his deals from the volatility that adjustable-rate loans often endure. As they explore other investment avenues, Seth discusses their ventures into various businesses, including gyms, e-commerce, and oil and gas projects. Both entrepreneurs illustrate how innovation and technology, particularly artificial intelligence, can significantly improve investment decision-making and operational efficiency. Their combined expertise offers valuable insights into the world of multifamily syndications, risk management, and leveraging technology for investment insights. The episode concludes with Seth's perspectives on effective communication between investors and sponsors and the importance of due diligence documents in passive investing. Links to listen and subscribe: https://podcasts.apple.com/us/podcast/seth-bradley-what-can-i-do-if-a-deal-goes-bad/id1580397502?i=1000698697087 https://open.spotify.com/episode/4pogVHik6rHwh0k5yFLs1U Links to watch and subscribe: https://www.youtube.com/watch?v=2xrvBhGtS5w&t=396s Bullet Point Highlights: Diverse Entrepreneurial Background: Seth Bradley is not only an attorney but also a successful entrepreneur with experience in gyms and startups, adding depth to the authenticity of his investment strategies. Impact of Rising Interest Rates: The podcast discusses how increasing interest rates have shifted the landscape of real estate investments, influencing cash flow and project viability. Importance of Fixed-Rate Loans: Seth emphasizes the protective benefits of using fixed-rate loans in investments to buffer against economic shifts and rising rates. Shifting Investment Focus: As traditional multifamily deals become tough, both Bronson and Seth explore alternative assets, including oil and gas, debt funds, and smaller multifamily properties. Gym Ventures: Seth shares insights from operating gyms, illustrating how franchise businesses can provide a structured path to entrepreneurship with community support. Navigating Passive Investing Challenges: The episode highlights the key steps passive investors should take when deals aren't performing as expected, including reviewing existing legal agreements. Leveraging Technology and AI: The discussion underscores the growing role of AI in analyzing investments and legal documents, showcasing how technology can enhance investment efficiency and accuracy. Transcript: hey guys this is Ken mroy and you are listening to the mailbox money show with Bronson Hill hello hello and thank you for joining the mailbox money show my name is Bronson Hill I'm very excited for this episode with Seth Bradley you're gonna really like him he's done a lot of things he's like the renaissance man like he has done uh passive investing he's done active investing he owns a couple gyms he's starting another one he's got a couple startups he does he's got all kinds of things speaking very intelligently to a lot of different topics he also has a show called The passive income attorney actually also an attorney as well and puts together syndication paperwork so he does a lot of different things and so I always love talking to people that are doing many things because first of all inspires me that I'm not doing enough and then secondly um you know they'll speak very intelligently on kind of trends that are happening so he's talks about what what we're going to talk in this interview about what happened over the last few years he's doing less real estate looking at some other things and just what do you do if a deal does not go well what are the steps you can take as an investor so I think you're really going to enjoy this we also get into Ai and some awesome other topics so let's jump in Seth welcome to the mailbox money show Bronson what's going on buddy good to see you again hey man we're both in Southern California I know we're not that far apart but you're in like the better part especially lately with all the fires up in La recently uh you're in San Diego man I don't know anybody that says they don't love San Diego yeah man I mean there's no better place in the United States that's for sure I mean I've seen some some beautiful places around the world and I don't know San Diego still might beat it um I get a little bit used to it because I've been here for quite some time now but San Diego is really tough to beat yeah awesome man well I'm excited to have you here today I know you're an attorney you have your podcast called the passive income attorney podcast and you also work with tri vest which helps investors and you have a lot you to say around uh diligence around deals going bad we've seen deals uh We've we've had a couple deals that have really struggled uh I've been an investor passively in deals some deals that have struggled people don't really talk about this as much and I think it's really important to talk about um but let's let's talk about kind of what's changed the last couple years interest rates have risen um obviously if you're a multif family investor the deals maybe aren't as juicy as they were the projections are a little lower a a little little far between as far as you know deals that actually cash flow or deals that make as much sense but uh what have you seen the last couple years and how have you kind of shifted a little bit of your business and your investing for sure I mean it's been um it's been an experience right I think a lot of the past investors out there that are listening or if you're an operator or lead sponsor out there the same thing I mean we've we've gone through a period of time starting I think back when Co hit in 2020 that was kind of the first dip in the market that we've we've seen in this kind of generation right like the jobs act well I I should say the previous dip was in you know 2008 2009 that was one cycle but that was before the jobs Act of 2012 so the jobs Act of 2012 is where some of these private Investments started being opened up to more people and more people like ourselves were able to get involved and start raising capital and and do deals and you've just seen that market kind of exponentially grow since 2012 um so we haven't seen a downturn until Co hit in 20120 and that one was kind of weird right because it was just kind of a blip it wasn't because of the economy it was because of something that just you know nobody's going to be able to predict um but that's the first uh crack in the armor that we saw and then after that then we saw the interest rates go up in in 2020 towards the end of 2022 and the beginning of 2023 and that's what really started um you know giving us this experience that I'll say that we're we're still kind of going through because the interest rates are still a little bit higher than what we've we've seen over the past years and we're we're seeing more deals go go bad right or or at least you know there maybe a capital call or or two or perhaps um you know some of your distributions if you're a passive investor might be on pause and these are things that we're just not used to seeing because we're just used to seeing over the past you know 10 years up till 2022 all the deals have just gone really really well so it's a surprise to us and it shouldn't be because you know it's it's cyclic but we we'll figure it out and you know you're just seeing these things that we've all been warned about and they're now coming to fruition yeah yeah it's interesting you know I think if you between 2010 and 2020 you know 2021 even if you just owned a multif family apartment you were a genius right because things were just only going up and to the right and and then sudden like there's that quote by Warren Buffett says you can only tell who's been swimming naked when the tide goes out kind of thing the tide interest Rising the tide goes out it's like oh my gosh this isn't work in the way we planned it um and now you in your portfolio you guys have done very well you've had some some great you haven't done as many deals more recently but um your deals have done well is that because you did kind of fix interest rate or is just the markets you chose or I'd love to hear a little more about that that's right I mean fixed interest rates to be honest were a huge thing um that that's one thing that we really pushed for in our deals and that's and that saved us a little bit when these interest rates started to r that protected us um you know you saw that those were the deals that got in trouble those those adjustable rates got people in trouble and you know there towards the end like let say 2021 22 it was really hard to make the deals start to like continue to work and get those returns that we promised those passive investors without taking those adjustable rate loans so you know those folks that got in in 2021 2022 maybe the beginning of 2023 those deals had adjustable rate loans and that's where they got into some trouble yeah yeah it's interesting kind of how things have changed now it's interesting too there was um a time not even that you know just a few years ago that that real estate was Cash flowing pretty well especially multif family real estate and now it's pretty tough because you know you got rates are higher uh cost you know the price maybe have come down a little bit but you got higher Insurance you got higher other costs other inflation things you know there's not a lot of cash flow so a lot of you know syndicators or multif family investors have kind of just stepped out or maybe they got pitched on a deal here and there so we we've shifted a little bit to do we still do some multif family in in specific situations but um we' switched to go really focus on oil and gas we're doing uh other types of businesses like I mentioned we're buying this business that's a e-commerce business High cash flow and then there's also debt funds you know debt these days there are debt funds paying like Equity was paying with less risk than it was a few years ago right so if you can get not debt funds are the same there's some that are first position that are low leverage and things like that uh what are are there anything else that you're finding for cashow or that you're finding attractive right now as an investor yeah I mean I think you got to just look a little bit deeper I mean there's still some decent multif family deals out there too and that's always going to be to me kind of like bread and butter right like that's something that we're always going to need it's always going to be um it's always going to be something that people are interested in um because we've all lived in apartments at some point in our lives and I think it's an easy thing to grasp mentally okay like I'm going to invest in a multif family or apartment building because I've lived in one I know what it's like I know how they work people pay rent you collect you you know expenses that sort of thing um but it's it's a lot tougher to find those deals um so people have looked at other things so I've seen a lot of um you know debt funds like you said a lot of people pivoting to um you know even smaller multif Family Properties um you know before we were looking at like 100 200 250 unit properties um now I've seen a lot of people kind of Ratchet that down a little bit and look for some better deals in in some smaller properties maybe in the 25 to 75 unit range range that sort of thing um I've seen people like get into mobile home parks and RV parks after cuz we saw that go quite up quite a bit during CO as well and then came rocketing back down um but now you can kind of see like where where it really sits like now you can see like what the value of that asset is so you can see that the you know what those what they really are without like that big spike for covid and those are turning out to be some pretty good Investments to get involved in too yeah and I know um you know we talked about this before we started recording um you and your wife you guys also operate a business or you guys have a a gym a couple gyms that you operate tell us about that and it's that um I know you're sounds like you're spanning so it sounds like it's going well I need to pop into a gym I'm probably get my butt kicked if I pop in there and you g through the Seth Bradley workout there right so yeah man we have a we have a couple of gyms right now we have one open in Oceanside this is in San Diego uh San Diego County one in Oceanside one in Poway getting ready to open up a third one in anas it's under the burn boot camp franchise fly FL so it's a franchise um and I got uh really interested in franchises for that and then I ended up buying into another franchise I ended up buying into a water restoration franchise called Al dry so we've got a few businesses going um but those gyms are great right like once we battled through again I hate to keep bringing up Co but it keeps coming up um but we battled through Co we opened up right before that hit uh actually one week before it hit so then we had to shut it down and work out outside workout inside we had to do um on online workouts those sorts of things um had our lead trainer in our apartment recording videos and me and my wife were in the background doing the exercises um pretty insane what we had to go through but they're they're doing really well now and luckily my wife has taking over that business and she runs the whole thing so I don't do anything she doesn't even want me involved anymore so it's fantastic it it's actually turned into passive income for me for you it's passive income right for her it's right it's it's Fitness income right but that's you know really a lot of people like um lifestyle businesses you know where you're like it's just I think it's just a cool thing to say I own a gym or own a restaurant or I own this thing I mean a lot of like really wealthy people be like oh yeah I own a Vineyard or I own a I own a horse racing thing or something like that but is it is it I mean you don't have to get into specific numbers but is it pretty it's you're opening another one so it's pretty lucrative to do it it sounds like it's working out well the it's a boutique gy that does kind of boot camp type stuff and you have certain classes you go in and those have become super popular all over the us but especially in big metros like Southern California for sure and look I don't want to say that it's easy because it's it's definitely not you have to have the right mindset you've got to be an entrepreneur you've got to be able to fight through the hard times but you know these these types of businesses they're they're kind of done for you to a certain extent they give you the marketing plan they give you the business plan they give you kind of the proforma that you should be aiming for um especially with a franchise there's there's dozens if not hundreds of other franchisees that are doing the exact same thing you are so you any qu any question or any problem that you're going through they have already went through it or they're going through it so you can bounce ideas off of you know kind of similar to like a mastermind right something like that where you get involved with a few people and it's like oh how can I get around people that have the same problems as me in a franchise there's that's already built in and it's even more it's even more dialed in because these are very specific like brand specific industry specific questions and problems that you can balance those ideas and have those questions answered by your your fellow franchisees um but as far as like profitability again it's great because you can you can predict it like the idea behind it you buy one you figure it out then you buy more and then you keep going you stack and stack and stack and that's how you really make a lot of money in franchises you hear people that own dozens or you know hundreds of Papa John and things like that like you need to be able to stack them um but they're definitely profitable um and they're fun they're it's a fun business like you said it's fun to be able to say that you own a gym it's fun to like walk into your own place if it's a gym or a restaurant or whatever it is and you're the owner it just feels good right it's a little bit more um you know rewarding I should say than some of the other businesses that that we're involved in for me it's you know a law firm and um buying real estate and it's this is just a little bit more rewarding just like being there just the presence and having a um you know having a a brick and mortar space it's pretty cool yeah know I love that it's really interesting you guys I didn't realize you guys are are really Ser serial entrepreneurs I you guys are really both as a couple um is that like tell me a little bit about that dynamic as a couple that you and your wife do that like how is that something you've more LED is it something she's done is it kind of like you just kind of stay in your lanes and like because a lot of times one one spouse or partner will be really risk you know averse or one would be much more risk tolerant and so has that been just like a really you guys are both kind of willing to take risk and kind of move forward in that yeah I think we we both have a really good temperament for it as far as risk tolerance and for me personally that's that's interesting because I'm an attorney so typically attorneys are not risk tolerant um but I I am I have that trait and and she does too um we have certain trust in each other to be able to handle and stay in our lanes um she especially for the gyms you know she's operations right now I handle finance and and Prof formas and those sorts of things and obviously the legal stuff that comes up and I'm the maintenance guy too of course but um but everything else like operations she does that and then when she knows that she needs me for these certain things she'll bring me in um we've explored trying to figure out some other businesses uh that we might be able to get involved in together and I think you know having that experience in the gyms gives us a good idea of how it would work out with some others yeah as she ever teaching the class like if you're in the dogh house you got to take a boot camp with her and she'll be extra tough on you or something ah she's she's not a trainer luckily I would I would I would avoid those camps for sure I think that'd be pretty funny no I think it's great man I love how you've created that you know for yourself that you guys and of course you know I think I've noticed this too a lot of uh there's a lot of people they'll have they'll be really excited about real estate they'll be really excited about investing and then you get one that's one spouse is very risk averse what what do you say to someone who guess their spouse is pretty risk averse and you know maybe they're concerned whether they're a passive investor or they're interested in doing business things are like this like how do how do they kind of get that person on board or what have you seen is kind of work to kind of help them to kind of work forward with that move forward yeah I mean it's tough it's tough right like you have to you have to choose your significant other wisely and it's probably the biggest decision that you'll make in your life not only for personally but also in business because if you have someone that just can't get on board with what you're doing or doesn't understand what you're trying to do um and you don't mesh very well on that side of things it it makes things a lot more a lot more difficult right and you see that all the time you see couples fighting about business and somebody's working too much and the other person's not working enough or those sorts of Dynamics um but I think a lot of it can be solved with education you know a lot of it is just kind of this other person doesn't know enough about the business or the investment or whatever it might be and they just need some education so they're not the person they're not like us every single day just immersed in this and getting on podcasts and you know listening to podcasts and reading books and all this stuff about these Assets in these businesses so you have to keep that in mind like they need to they need to understand to a certain extent so they can get comfortable with it I mean that's you know when people are scared to make moves it's usually because they're just not educated enough to be able to to assess the risk and move forward or not now if they are educated enough and they do know enough about the asset and they still say look this is a bad deal well then maybe maybe you should look at it again and make sure that it's not a not a bad deal but there there's definitely some you know give take there with personality types and how much risk that each person's comfortable with or not comfortable with yeah absolutely I think that's definitely I just I love when I see couples that are like really on the same page and are like yeah we're in this and you're you know you're doing it which is great and be both be active which is awesome um so let's talk a little bit about um I guess you know kind of circle back to you know investing in deals you know as a passive investor um you know if if someone invests in a deal that doesn't go well um how to you know how should a passive investor respond to that or what are the things that you know someone can do if they're not getting the communication that they need I mean I know there's some legal things you can do but then it starts expensive and like what I guess what are some options as a passive investor let's say your sponsor is having struggles or they're just not communicating is there some like what are the what are the what what can you do to try to get that to change yeah I mean this is why paperwork is so important like people don't want to deal with that and you know I'm an attorney so I'm on the front end all the time like telling you telling everybody hey like make sure we hash this out now like let's be have a a really transparent conversation let's figure out exactly what each part is getting into and let's not like hold back at all you know a lot and some of this applies to passive investing some of it doesn't because you you know you have certain things that you can ask for certain things that you can't but be as transparent as possible upfront and with the paperwork and pay attention to what you sign and what you sign up for because at the end of the day when things start to go wrong that's what the fallback is the fallback is okay this person isn't communicating any longer or they're not doing the things that they said vocally they're going to do what can I do and at that point that's when you have to look at the paperwork so if you have a contract and in this case it would be an operating agreement or a limited partnership agreement that you've signed or subscription agreement to you have to go back to that paperwork and look and sometimes they may have put in that paperwork for instance that they do agree to give you a quarterly report or maybe they agree to give you a an annual financial statement or maybe they didn't I don't know it depends on what the paperwork says but that's the first step see what your rights are contractually and that's a good place to start because if you do have a contractual right that they have to give you a quarterly report or they have to give you annual financial statements or if you request it they have to give you certain Financial reports then that's the place to start and you say look I know things aren't going as well as they should be going I really want to get this thing back on track let's let's start communicating but you know pursuing to the operating agreement I I need to see a quarterly report or I need to see this financial report um and put that in writing and writing can be just as simple as an email or text but get it in writing make sure that that communication is documented um not just verbally because if something does go wrong if if there is some sort of and this is unlikely but if there is some sort of fraud or gross negligence or anything like that going on at least you have that uh that written communication between the parties that down the line you can be like look I asked for this five times I still haven't received it they said they would do this and then you can start saying okay at this point maybe we're not just talking about somebody not doing a great job or maybe we're not talking about the investment not going well as well as anticipated maybe now we're talking about some sort of negligence maybe now we're talking about somebody misrepresenting what they said they were going to do versus what they do um but you need to have that in writing so that at the end of the day you can put that together um and and show it to whoever it might be your lawyer their lawyer or maybe a court yeah yeah it's interesting you know there's some new tools out there as well a lot of times these documents sometimes are 80 to 200 pages and there's a lot lot of you know legal Le and boilerplate stuff and just a lot of fine print and I found that one and I'd actually love to know your opinion on this but i' I've done this occasionally where I'll take uh I'll take some some documents or ppms or marketing whatever I'll put them in chat GPT I'll just be like hey you know I'll start asking questions Hey what how does this work how does that work whatever and it'll kind of like go through and pull that out of there which is just kind of like a timesaver I just find for a lot of investors it's like I don't want to spend two hours reading this really you know thick language and I know you're an attorney so that's what you do and um but I mean is that something that you've uh seen some people do or is it I know obviously things can be missed but it's it can kind of help you get to give you the gist of in this situation this happens or in this situation is that something that you kind of seen a little bit 100% and maybe not all attorneys would agree with this but I I encourage that I think it's perfectly fine like you've got to leverage technology and that technology is unbelievable it's unbelievable and it gets better every single day like you just see a new iteration every couple of weeks now it's absolutely insane what it can do and you can certainly upload your PPM your operating agreement your subscription agreement into it and ask it questions now if it's something very nuanced it it won't it won't get to it if there's kind of like a lot of times there's like different Provisions that layer on top of each other it doesn't understand that yet it will at some point it'll be there and probably very very soon but a lot of the questions you ask if they're nuanced um it won't understand it um so what I recommend is do that get a good high level overview you can also ask questions and then I would verify so like once it once it gives you an answer and it's something that's very important like you're like this is the answer that I was looking for ask it be like well what section did you pull this from and then get the section and then look it up yourself that particular section and verify that what it told you is actually the answer yeah it's amazing the uh the tools we have I mean we really are in an an age where there's so much information everywhere but it's being able to access it quickly and it's like AI and some of these things can help with it and I don't think you know just a side note on AI I don't think it's that AI is going to be robots that's going to take over and kill us all or we're going to lose our jobs just to an AI bot or something but it's people using AI right that are are able to become a super employee or a super business owner or super investor and really be able to get more information so I think it can be really powerful um what are uh what are some trends that you're kind of watching um I know actually I want you to talk about this too you're involved with a group called tribe vest which helps uh basically syndicators they have a portal and they can kind of have ways to be able to access uh certain deals and and and pass that information but what are what are also some Trends in relation what are some trends that you're seeing as far as investing uh for Passive investors that are just things that can are good to watch or things that are helpful yeah I mean I think one really good thing is is what you you talked about already it's it's using Ai and and using software to make you a better investor so you can you like before you get this 200 Page PPM and you're like what what in the world do with this and maybe one out of a 100 investors will read that line for line if that and even if they could read it they probably don't understand it unless they they happen to be a Securities attorney or some sort of transactional attorney they're not even going to get it um fun fact a PPM is actually supposed to be in non-legal ease it's supposed to be in in layman's terms that's the whole point of it is so that you can understand your investment in layman's terms but ppms have turned into you know a legal document so yeah even longer um but yeah I mean I think you can start leveraging Ai and software to just be a better investor and not just from you know reading legal documents like we had mentioned earlier that's a good example of of you know when you're looking into an investment maybe put that PPM into chat gbt ask questions about the investment ask if there's any inconsistencies between the PPM and the operating agreement things like that um but you can also use it for underwriting and due diligence and things like that um I'm actually an adviser for a startup called brixley and we are working on kind of a due diligence type of process process where we're aggregating all the due diligence documents we're putting them into a software and then you're able to evaluate the deal so you can evaluate that deal based on your buy box and those sorts of things and it's just it and things like that just change the game quickly right like before it just takes a lot of Manpower um a lot of hours and now it just takes minutes but you still have to have somebody skilled enough to prompt and skilled enough to ask the right questions and skilled enough to make sure that you're not believing the AI and it's not hallucinating um that sort of thing because you've got to make sure that the information gives you is right because right now it does spit out some things that that don't make a lot of sense so you just gota gota be be very careful but people if you aren't leveraging AI in just your everyday life then you're you're getting left behind yeah yeah know you got a fact check on other stories of attorneys like I guess there was an attorney in New York that like just took his whole thing and put it into AI a chat jbt and it wasn't even right it was like totally wrong and they got disbarred or something for doing that so it's obviously an investor the the risk is not going to be disbarred typically it's more you might lose your shorts or something so it's makeing sure you're doing it the right way yeah for sure yeah you gotta be careful you got to be careful but like I said it's getting better every single day like I I think in you know two years it's going to be unrecognizable in in five years we're going to have a humanoid robot in every home that we have like yeah yeah it it really is changing so fast and that's where I think it is really important important to pay attention to technology to try new things if people are not like as a listener if you're if you haven't used chat GPT there's an app you can use for free there's the website get familiar with prompting which is just going in and just being commands I literally use it I'm going to Columbia we're recording this I'm going this week to Columbia and I want here's my nine days I'm going to be here create an itinerary for me like literally created an itinerary based on my values what I want to do and and I can always like go off of that but it's like it's so helpful right it's amazing yeah it's such a time saer it's insane it's insane yeah it is it is uh well Seth I really appreciate you you being here today I just feel like you add so much value both as an investor a business owner an attorney um just love what you're creating with your content and uh can you just share how people can follow your show and how they can hear about you and and some of the things that you're doing absolutely man best place to go would be Seth paaul bradley.com and that's where I have kind of all my social media links you'll have a link to raay law my Securities Law Firm as well as try best fun of funds in a box and the podcast as well awesome brother thanks for being here man all right thanks Bronson appreciate it all right I hope you enjoyed this interview with Seth I just I love the stuff at the end there about AI if you you know you want to go back and Rel listen to that just using chat GPT in your life in your business to look at ppms and even as an attorney said yeah some attorneys don't like that because it will miss things but it's really a timesaver we use it all the time we use it all the time in our business I use it all the time in my personal life and it's just so helpful I literally it's kind of replace my Google search now because it's so much better and instead of we used to go spending time on Google you spend 30 minutes researching something now it just kind of spit out the answer for you which is really great so I use it for health stuff for travel or business topics all kinds of different ideas just find it really really helpful so hopefully you got something out of this interview you enjoyed it if you have not en joined our investment Club you're not hearing about our amazing deals that we're doing right now and that we're really excited about so um if you want to check that out you can check out the link in the uh show notes or the link below or you can go to Bronson equity.com and hit the join button we'll start a relationship with you set up a call with you and you can start hearing about our awesome upcoming deals so thank thank you for taking the time to educate yourself seriously it humbles me it excites me it gets me fired up because the best investment you make is in your own education we look forward to seeing you on the next episode you've been listening to the mailbox money podcast for more free resources articles and videos go to Bronson equity.com there you can download your copy of the Special Report the single best investment strategy during and after a pandemic none of the information shared here is an offer to buy a specific investment and this is for education ational purposes only consult your financial legal and tax professionals and use your own Common Sense before making any investment decisions thanks for joining us and be sure to tune next time for more mailbox money [Music] Links from the Show and Guest Info and Links: https://www.youtube.com/watch?v=2xrvBhGtS5w&t=396s https://www.facebook.com/reel/1762572444669041 https://www.linkedin.com/posts/bronsonhill_when-deals-go-wrong-the-fallback-is-the-activity-7321649659108581377-87lt?utm_source=share&utm_medium=member_desktop&rcm=ACoAAFY-6nMBbbX5J6KeuEtIMcA9tcRG4F_1ItE Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en Bronson Hill's Links: https://bronsonequity.com/ https://www.instagram.com/bronsondavidhill/ https://www.instagram.com/bronsonequity/ https://www.linkedin.com/in/bronsonhill/ https://www.facebook.com/bronson.hill.37/ https://www.tiktok.com/@bronsonequity2020 https://open.spotify.com/show/7AQcShxvRMoD1U2zclQQVU
First, parking meter prices are going up around Petco Park during special events, including Padres games. There will soon be parking meters surrounding Balboa Park, we tell you what those funds will fix. Last, why Oceanside received top-ranks for seniors and retirees.
My thoughts on creativity, giving yourself the space to put things down on paper. Any big ideas, worries, challenges-oftentimes just putting everything out for you to see gives you the confidence to take that step forward. What we leave in our mind can magnify exponentially. I've become a keeper of books: pages of sketches, thoughts, ideas that I can look back and reference. Allowing me to understand how far I've gotten and sometimes the lessons I have to relearn. A daily practice of sketching, doodles, journaling, ideating-sometimes your big challenges aren't so big when you look at it on paper. Quick shout out to Kate Volkman, she's a master at journaling, check out her podcast to get some insights into journaling prompts. I would love if you ranked this podcast, share a comment or share this episode out! AVAILABLE ON SPOTIFY, SOUNDCLOUD, APPLE PODCASTS SUPPORT THE SHOW: BEHIND THE SCENES CONTENT + SPECIAL DEALS + BONUS EPISODES www.buymeacoffee.com/TheCreativeBrew My new art book Worlds within Worlds available in digital form at: Thelangfordstudio.storenvy.com Or get the physical book at: www.langfordesign.com/ebooks/ or locally at Studio Ace Artshop in Oceanside, CA. Oceanside Comic Stronghold, Oceanside, CA. Mystic Ritual Shop, Oceanside, CA. Mat Clash wrestling collectible card game available with my partner brand Mat Clash Wrestling at https://bmoneybeastin.com SPONSORS Baba Coffee Baba roasts their coffee beans each week and offer only the freshest coffee. Have an espresso, latte, cappuccino, pour over or drip coffee. Try cold brew coffee, nitro cold brew or a bulletproof coffee. We serve hot tea, cold brew teas, and boba milk teas. They also have an assortment of delicious food (try their Avocado Toast), mimosas, wine or beer. Open: Sun-Thurs. 6am-6pm + Fri 6am-9pm + Sat. 6am-7pm
School of Divine Metaphysical Research. SDMR Is a school to help you Find and Know Yahweh, OurElohim, and his Purpose or Plan for Salvation. You can also view these Lectures on YouTube. By clicking the link below. Oceanside Class https://www.youtube.com/channel/UChYh0NTf5pyoID-P7e-zPTA Syracuse Class (43) syracuseclass - YouTube Lansing MichiganClass (43) Pattern of theUniverse - YouTube Hamilton Class https://www.youtube.com/@hamiltoncanadastudyclass964 Albuquerque https://www.youtube.com/@TrueGospelofTheKingdom-ABQ Tampa Class https://www.youtube.com/@tampaclass444 Charlotte North Carolina https://www.youtube.com/@charlottenorthcarolinazoom8187 Chicago Northside Class https://www.youtube.com/@chicagonorthsidezoomclass4923 Arkport Class https://www.youtube.com/@arkportclass360 Charts referred to in these podcasts can be found on the http://www.gatesclass.com/Website, by choosing the charts tab at the top of thepage.
School of Divine Metaphysical Research. SDMR Is a school to help you Find and Know Yahweh, OurElohim, and his Purpose or Plan for Salvation. You can also view these Lectures on YouTube. By clicking the link below. Oceanside Class https://www.youtube.com/channel/UChYh0NTf5pyoID-P7e-zPTA Syracuse Class (43) syracuseclass - YouTube Lansing MichiganClass (43) Pattern of theUniverse - YouTube Hamilton Class https://www.youtube.com/@hamiltoncanadastudyclass964 Albuquerque https://www.youtube.com/@TrueGospelofTheKingdom-ABQ Tampa Class https://www.youtube.com/@tampaclass444 Charlotte North Carolina https://www.youtube.com/@charlottenorthcarolinazoom8187 Chicago Northside Class https://www.youtube.com/@chicagonorthsidezoomclass4923 Arkport Class https://www.youtube.com/@arkportclass360 Charts referred to in these podcasts can be found on the http://www.gatesclass.com/Website, by choosing the charts tab at the top of thepage.
School of Divine Metaphysical Research. SDMR Is a school to help you Find and Know Yahweh, OurElohim, and his Purpose or Plan for Salvation. You can also view these Lectures on YouTube. By clicking the link below. Oceanside Class https://www.youtube.com/channel/UChYh0NTf5pyoID-P7e-zPTA Syracuse Class (43) syracuseclass - YouTube Lansing MichiganClass (43) Pattern of theUniverse - YouTube Hamilton Class https://www.youtube.com/@hamiltoncanadastudyclass964 Albuquerque https://www.youtube.com/@TrueGospelofTheKingdom-ABQ Tampa Class https://www.youtube.com/@tampaclass444 Charlotte North Carolina https://www.youtube.com/@charlottenorthcarolinazoom8187 Chicago Northside Class https://www.youtube.com/@chicagonorthsidezoomclass4923 Arkport Class https://www.youtube.com/@arkportclass360 Charts referred to in these podcasts can be found on the http://www.gatesclass.com/Website, by choosing the charts tab at the top of thepage.
Title: How to Stay Compliant While Raising Millions with Bronson Hill Summary: In this episode of the Mailbox Money Show, host Bronson Hill interviews Seth Bradley, an accomplished attorney and entrepreneur known for his efforts in passive and active investing. The discussion revolves around the significant shifts in the real estate market post-COVID-19, including rising interest rates and the challenges passive investors face with underperforming deals. Seth shares his experiences with multifamily investments and the importance of selecting the right financial structures, highlighting how his focus on fixed-rate loans has insulated his deals from the volatility that adjustable-rate loans often endure. As they explore other investment avenues, Seth discusses their ventures into various businesses, including gyms, e-commerce, and oil and gas projects. Both entrepreneurs illustrate how innovation and technology, particularly artificial intelligence, can significantly improve investment decision-making and operational efficiency. Their combined expertise offers valuable insights into the world of multifamily syndications, risk management, and leveraging technology for investment insights. The episode concludes with Seth's perspectives on effective communication between investors and sponsors and the importance of due diligence documents in passive investing. Links to listen and subscribe: https://podcasts.apple.com/us/podcast/seth-bradley-what-can-i-do-if-a-deal-goes-bad/id1580397502?i=1000698697087 https://open.spotify.com/episode/4pogVHik6rHwh0k5yFLs1U Links to watch and subscribe: https://www.youtube.com/watch?v=2xrvBhGtS5w&t=396s Bullet Point Highlights: Diverse Entrepreneurial Background: Seth Bradley is not only an attorney but also a successful entrepreneur with experience in gyms and startups, adding depth to the authenticity of his investment strategies. Impact of Rising Interest Rates: The podcast discusses how increasing interest rates have shifted the landscape of real estate investments, influencing cash flow and project viability. Importance of Fixed-Rate Loans: Seth emphasizes the protective benefits of using fixed-rate loans in investments to buffer against economic shifts and rising rates. Shifting Investment Focus: As traditional multifamily deals become tough, both Bronson and Seth explore alternative assets, including oil and gas, debt funds, and smaller multifamily properties. Gym Ventures: Seth shares insights from operating gyms, illustrating how franchise businesses can provide a structured path to entrepreneurship with community support. Navigating Passive Investing Challenges: The episode highlights the key steps passive investors should take when deals aren't performing as expected, including reviewing existing legal agreements. Leveraging Technology and AI: The discussion underscores the growing role of AI in analyzing investments and legal documents, showcasing how technology can enhance investment efficiency and accuracy. Transcript: hey guys this is Ken mroy and you are listening to the mailbox money show with Bronson Hill hello hello and thank you for joining the mailbox money show my name is Bronson Hill I'm very excited for this episode with Seth Bradley you're gonna really like him he's done a lot of things he's like the renaissance man like he has done uh passive investing he's done active investing he owns a couple gyms he's starting another one he's got a couple startups he does he's got all kinds of things speaking very intelligently to a lot of different topics he also has a show called The passive income attorney actually also an attorney as well and puts together syndication paperwork so he does a lot of different things and so I always love talking to people that are doing many things because first of all inspires me that I'm not doing enough and then secondly um you know they'll speak very intelligently on kind of trends that are happening so he's talks about what what we're going to talk in this interview about what happened over the last few years he's doing less real estate looking at some other things and just what do you do if a deal does not go well what are the steps you can take as an investor so I think you're really going to enjoy this we also get into Ai and some awesome other topics so let's jump in Seth welcome to the mailbox money show Bronson what's going on buddy good to see you again hey man we're both in Southern California I know we're not that far apart but you're in like the better part especially lately with all the fires up in La recently uh you're in San Diego man I don't know anybody that says they don't love San Diego yeah man I mean there's no better place in the United States that's for sure I mean I've seen some some beautiful places around the world and I don't know San Diego still might beat it um I get a little bit used to it because I've been here for quite some time now but San Diego is really tough to beat yeah awesome man well I'm excited to have you here today I know you're an attorney you have your podcast called the passive income attorney podcast and you also work with tri vest which helps investors and you have a lot you to say around uh diligence around deals going bad we've seen deals uh We've we've had a couple deals that have really struggled uh I've been an investor passively in deals some deals that have struggled people don't really talk about this as much and I think it's really important to talk about um but let's let's talk about kind of what's changed the last couple years interest rates have risen um obviously if you're a multif family investor the deals maybe aren't as juicy as they were the projections are a little lower a a little little far between as far as you know deals that actually cash flow or deals that make as much sense but uh what have you seen the last couple years and how have you kind of shifted a little bit of your business and your investing for sure I mean it's been um it's been an experience right I think a lot of the past investors out there that are listening or if you're an operator or lead sponsor out there the same thing I mean we've we've gone through a period of time starting I think back when Co hit in 2020 that was kind of the first dip in the market that we've we've seen in this kind of generation right like the jobs act well I I should say the previous dip was in you know 2008 2009 that was one cycle but that was before the jobs Act of 2012 so the jobs Act of 2012 is where some of these private Investments started being opened up to more people and more people like ourselves were able to get involved and start raising capital and and do deals and you've just seen that market kind of exponentially grow since 2012 um so we haven't seen a downturn until Co hit in 20120 and that one was kind of weird right because it was just kind of a blip it wasn't because of the economy it was because of something that just you know nobody's going to be able to predict um but that's the first uh crack in the armor that we saw and then after that then we saw the interest rates go up in in 2020 towards the end of 2022 and the beginning of 2023 and that's what really started um you know giving us this experience that I'll say that we're we're still kind of going through because the interest rates are still a little bit higher than what we've we've seen over the past years and we're we're seeing more deals go go bad right or or at least you know there maybe a capital call or or two or perhaps um you know some of your distributions if you're a passive investor might be on pause and these are things that we're just not used to seeing because we're just used to seeing over the past you know 10 years up till 2022 all the deals have just gone really really well so it's a surprise to us and it shouldn't be because you know it's it's cyclic but we we'll figure it out and you know you're just seeing these things that we've all been warned about and they're now coming to fruition yeah yeah it's interesting you know I think if you between 2010 and 2020 you know 2021 even if you just owned a multif family apartment you were a genius right because things were just only going up and to the right and and then sudden like there's that quote by Warren Buffett says you can only tell who's been swimming naked when the tide goes out kind of thing the tide interest Rising the tide goes out it's like oh my gosh this isn't work in the way we planned it um and now you in your portfolio you guys have done very well you've had some some great you haven't done as many deals more recently but um your deals have done well is that because you did kind of fix interest rate or is just the markets you chose or I'd love to hear a little more about that that's right I mean fixed interest rates to be honest were a huge thing um that that's one thing that we really pushed for in our deals and that's and that saved us a little bit when these interest rates started to r that protected us um you know you saw that those were the deals that got in trouble those those adjustable rates got people in trouble and you know there towards the end like let say 2021 22 it was really hard to make the deals start to like continue to work and get those returns that we promised those passive investors without taking those adjustable rate loans so you know those folks that got in in 2021 2022 maybe the beginning of 2023 those deals had adjustable rate loans and that's where they got into some trouble yeah yeah it's interesting kind of how things have changed now it's interesting too there was um a time not even that you know just a few years ago that that real estate was Cash flowing pretty well especially multif family real estate and now it's pretty tough because you know you got rates are higher uh cost you know the price maybe have come down a little bit but you got higher Insurance you got higher other costs other inflation things you know there's not a lot of cash flow so a lot of you know syndicators or multif family investors have kind of just stepped out or maybe they got pitched on a deal here and there so we we've shifted a little bit to do we still do some multif family in in specific situations but um we' switched to go really focus on oil and gas we're doing uh other types of businesses like I mentioned we're buying this business that's a e-commerce business High cash flow and then there's also debt funds you know debt these days there are debt funds paying like Equity was paying with less risk than it was a few years ago right so if you can get not debt funds are the same there's some that are first position that are low leverage and things like that uh what are are there anything else that you're finding for cashow or that you're finding attractive right now as an investor yeah I mean I think you got to just look a little bit deeper I mean there's still some decent multif family deals out there too and that's always going to be to me kind of like bread and butter right like that's something that we're always going to need it's always going to be um it's always going to be something that people are interested in um because we've all lived in apartments at some point in our lives and I think it's an easy thing to grasp mentally okay like I'm going to invest in a multif family or apartment building because I've lived in one I know what it's like I know how they work people pay rent you collect you you know expenses that sort of thing um but it's it's a lot tougher to find those deals um so people have looked at other things so I've seen a lot of um you know debt funds like you said a lot of people pivoting to um you know even smaller multif Family Properties um you know before we were looking at like 100 200 250 unit properties um now I've seen a lot of people kind of Ratchet that down a little bit and look for some better deals in in some smaller properties maybe in the 25 to 75 unit range range that sort of thing um I've seen people like get into mobile home parks and RV parks after cuz we saw that go quite up quite a bit during CO as well and then came rocketing back down um but now you can kind of see like where where it really sits like now you can see like what the value of that asset is so you can see that the you know what those what they really are without like that big spike for covid and those are turning out to be some pretty good Investments to get involved in too yeah and I know um you know we talked about this before we started recording um you and your wife you guys also operate a business or you guys have a a gym a couple gyms that you operate tell us about that and it's that um I know you're sounds like you're spanning so it sounds like it's going well I need to pop into a gym I'm probably get my butt kicked if I pop in there and you g through the Seth Bradley workout there right so yeah man we have a we have a couple of gyms right now we have one open in Oceanside this is in San Diego uh San Diego County one in Oceanside one in Poway getting ready to open up a third one in anas it's under the burn boot camp franchise fly FL so it's a franchise um and I got uh really interested in franchises for that and then I ended up buying into another franchise I ended up buying into a water restoration franchise called Al dry so we've got a few businesses going um but those gyms are great right like once we battled through again I hate to keep bringing up Co but it keeps coming up um but we battled through Co we opened up right before that hit uh actually one week before it hit so then we had to shut it down and work out outside workout inside we had to do um on online workouts those sorts of things um had our lead trainer in our apartment recording videos and me and my wife were in the background doing the exercises um pretty insane what we had to go through but they're they're doing really well now and luckily my wife has taking over that business and she runs the whole thing so I don't do anything she doesn't even want me involved anymore so it's fantastic it it's actually turned into passive income for me for you it's passive income right for her it's right it's it's Fitness income right but that's you know really a lot of people like um lifestyle businesses you know where you're like it's just I think it's just a cool thing to say I own a gym or own a restaurant or I own this thing I mean a lot of like really wealthy people be like oh yeah I own a Vineyard or I own a I own a horse racing thing or something like that but is it is it I mean you don't have to get into specific numbers but is it pretty it's you're opening another one so it's pretty lucrative to do it it sounds like it's working out well the it's a boutique gy that does kind of boot camp type stuff and you have certain classes you go in and those have become super popular all over the us but especially in big metros like Southern California for sure and look I don't want to say that it's easy because it's it's definitely not you have to have the right mindset you've got to be an entrepreneur you've got to be able to fight through the hard times but you know these these types of businesses they're they're kind of done for you to a certain extent they give you the marketing plan they give you the business plan they give you kind of the proforma that you should be aiming for um especially with a franchise there's there's dozens if not hundreds of other franchisees that are doing the exact same thing you are so you any qu any question or any problem that you're going through they have already went through it or they're going through it so you can bounce ideas off of you know kind of similar to like a mastermind right something like that where you get involved with a few people and it's like oh how can I get around people that have the same problems as me in a franchise there's that's already built in and it's even more it's even more dialed in because these are very specific like brand specific industry specific questions and problems that you can balance those ideas and have those questions answered by your your fellow franchisees um but as far as like profitability again it's great because you can you can predict it like the idea behind it you buy one you figure it out then you buy more and then you keep going you stack and stack and stack and that's how you really make a lot of money in franchises you hear people that own dozens or you know hundreds of Papa John and things like that like you need to be able to stack them um but they're definitely profitable um and they're fun they're it's a fun business like you said it's fun to be able to say that you own a gym it's fun to like walk into your own place if it's a gym or a restaurant or whatever it is and you're the owner it just feels good right it's a little bit more um you know rewarding I should say than some of the other businesses that that we're involved in for me it's you know a law firm and um buying real estate and it's this is just a little bit more rewarding just like being there just the presence and having a um you know having a a brick and mortar space it's pretty cool yeah know I love that it's really interesting you guys I didn't realize you guys are are really Ser serial entrepreneurs I you guys are really both as a couple um is that like tell me a little bit about that dynamic as a couple that you and your wife do that like how is that something you've more LED is it something she's done is it kind of like you just kind of stay in your lanes and like because a lot of times one one spouse or partner will be really risk you know averse or one would be much more risk tolerant and so has that been just like a really you guys are both kind of willing to take risk and kind of move forward in that yeah I think we we both have a really good temperament for it as far as risk tolerance and for me personally that's that's interesting because I'm an attorney so typically attorneys are not risk tolerant um but I I am I have that trait and and she does too um we have certain trust in each other to be able to handle and stay in our lanes um she especially for the gyms you know she's operations right now I handle finance and and Prof formas and those sorts of things and obviously the legal stuff that comes up and I'm the maintenance guy too of course but um but everything else like operations she does that and then when she knows that she needs me for these certain things she'll bring me in um we've explored trying to figure out some other businesses uh that we might be able to get involved in together and I think you know having that experience in the gyms gives us a good idea of how it would work out with some others yeah as she ever teaching the class like if you're in the dogh house you got to take a boot camp with her and she'll be extra tough on you or something ah she's she's not a trainer luckily I would I would I would avoid those camps for sure I think that'd be pretty funny no I think it's great man I love how you've created that you know for yourself that you guys and of course you know I think I've noticed this too a lot of uh there's a lot of people they'll have they'll be really excited about real estate they'll be really excited about investing and then you get one that's one spouse is very risk averse what what do you say to someone who guess their spouse is pretty risk averse and you know maybe they're concerned whether they're a passive investor or they're interested in doing business things are like this like how do how do they kind of get that person on board or what have you seen is kind of work to kind of help them to kind of work forward with that move forward yeah I mean it's tough it's tough right like you have to you have to choose your significant other wisely and it's probably the biggest decision that you'll make in your life not only for personally but also in business because if you have someone that just can't get on board with what you're doing or doesn't understand what you're trying to do um and you don't mesh very well on that side of things it it makes things a lot more a lot more difficult right and you see that all the time you see couples fighting about business and somebody's working too much and the other person's not working enough or those sorts of Dynamics um but I think a lot of it can be solved with education you know a lot of it is just kind of this other person doesn't know enough about the business or the investment or whatever it might be and they just need some education so they're not the person they're not like us every single day just immersed in this and getting on podcasts and you know listening to podcasts and reading books and all this stuff about these Assets in these businesses so you have to keep that in mind like they need to they need to understand to a certain extent so they can get comfortable with it I mean that's you know when people are scared to make moves it's usually because they're just not educated enough to be able to to assess the risk and move forward or not now if they are educated enough and they do know enough about the asset and they still say look this is a bad deal well then maybe maybe you should look at it again and make sure that it's not a not a bad deal but there there's definitely some you know give take there with personality types and how much risk that each person's comfortable with or not comfortable with yeah absolutely I think that's definitely I just I love when I see couples that are like really on the same page and are like yeah we're in this and you're you know you're doing it which is great and be both be active which is awesome um so let's talk a little bit about um I guess you know kind of circle back to you know investing in deals you know as a passive investor um you know if if someone invests in a deal that doesn't go well um how to you know how should a passive investor respond to that or what are the things that you know someone can do if they're not getting the communication that they need I mean I know there's some legal things you can do but then it starts expensive and like what I guess what are some options as a passive investor let's say your sponsor is having struggles or they're just not communicating is there some like what are the what are the what what can you do to try to get that to change yeah I mean this is why paperwork is so important like people don't want to deal with that and you know I'm an attorney so I'm on the front end all the time like telling you telling everybody hey like make sure we hash this out now like let's be have a a really transparent conversation let's figure out exactly what each part is getting into and let's not like hold back at all you know a lot and some of this applies to passive investing some of it doesn't because you you know you have certain things that you can ask for certain things that you can't but be as transparent as possible upfront and with the paperwork and pay attention to what you sign and what you sign up for because at the end of the day when things start to go wrong that's what the fallback is the fallback is okay this person isn't communicating any longer or they're not doing the things that they said vocally they're going to do what can I do and at that point that's when you have to look at the paperwork so if you have a contract and in this case it would be an operating agreement or a limited partnership agreement that you've signed or subscription agreement to you have to go back to that paperwork and look and sometimes they may have put in that paperwork for instance that they do agree to give you a quarterly report or maybe they agree to give you a an annual financial statement or maybe they didn't I don't know it depends on what the paperwork says but that's the first step see what your rights are contractually and that's a good place to start because if you do have a contractual right that they have to give you a quarterly report or they have to give you annual financial statements or if you request it they have to give you certain Financial reports then that's the place to start and you say look I know things aren't going as well as they should be going I really want to get this thing back on track let's let's start communicating but you know pursuing to the operating agreement I I need to see a quarterly report or I need to see this financial report um and put that in writing and writing can be just as simple as an email or text but get it in writing make sure that that communication is documented um not just verbally because if something does go wrong if if there is some sort of and this is unlikely but if there is some sort of fraud or gross negligence or anything like that going on at least you have that uh that written communication between the parties that down the line you can be like look I asked for this five times I still haven't received it they said they would do this and then you can start saying okay at this point maybe we're not just talking about somebody not doing a great job or maybe we're not talking about the investment not going well as well as anticipated maybe now we're talking about some sort of negligence maybe now we're talking about somebody misrepresenting what they said they were going to do versus what they do um but you need to have that in writing so that at the end of the day you can put that together um and and show it to whoever it might be your lawyer their lawyer or maybe a court yeah yeah it's interesting you know there's some new tools out there as well a lot of times these documents sometimes are 80 to 200 pages and there's a lot lot of you know legal Le and boilerplate stuff and just a lot of fine print and I found that one and I'd actually love to know your opinion on this but i' I've done this occasionally where I'll take uh I'll take some some documents or ppms or marketing whatever I'll put them in chat GPT I'll just be like hey you know I'll start asking questions Hey what how does this work how does that work whatever and it'll kind of like go through and pull that out of there which is just kind of like a timesaver I just find for a lot of investors it's like I don't want to spend two hours reading this really you know thick language and I know you're an attorney so that's what you do and um but I mean is that something that you've uh seen some people do or is it I know obviously things can be missed but it's it can kind of help you get to give you the gist of in this situation this happens or in this situation is that something that you kind of seen a little bit 100% and maybe not all attorneys would agree with this but I I encourage that I think it's perfectly fine like you've got to leverage technology and that technology is unbelievable it's unbelievable and it gets better every single day like you just see a new iteration every couple of weeks now it's absolutely insane what it can do and you can certainly upload your PPM your operating agreement your subscription agreement into it and ask it questions now if it's something very nuanced it it won't it won't get to it if there's kind of like a lot of times there's like different Provisions that layer on top of each other it doesn't understand that yet it will at some point it'll be there and probably very very soon but a lot of the questions you ask if they're nuanced um it won't understand it um so what I recommend is do that get a good high level overview you can also ask questions and then I would verify so like once it once it gives you an answer and it's something that's very important like you're like this is the answer that I was looking for ask it be like well what section did you pull this from and then get the section and then look it up yourself that particular section and verify that what it told you is actually the answer yeah it's amazing the uh the tools we have I mean we really are in an an age where there's so much information everywhere but it's being able to access it quickly and it's like AI and some of these things can help with it and I don't think you know just a side note on AI I don't think it's that AI is going to be robots that's going to take over and kill us all or we're going to lose our jobs just to an AI bot or something but it's people using AI right that are are able to become a super employee or a super business owner or super investor and really be able to get more information so I think it can be really powerful um what are uh what are some trends that you're kind of watching um I know actually I want you to talk about this too you're involved with a group called tribe vest which helps uh basically syndicators they have a portal and they can kind of have ways to be able to access uh certain deals and and and pass that information but what are what are also some Trends in relation what are some trends that you're seeing as far as investing uh for Passive investors that are just things that can are good to watch or things that are helpful yeah I mean I think one really good thing is is what you you talked about already it's it's using Ai and and using software to make you a better investor so you can you like before you get this 200 Page PPM and you're like what what in the world do with this and maybe one out of a 100 investors will read that line for line if that and even if they could read it they probably don't understand it unless they they happen to be a Securities attorney or some sort of transactional attorney they're not even going to get it um fun fact a PPM is actually supposed to be in non-legal ease it's supposed to be in in layman's terms that's the whole point of it is so that you can understand your investment in layman's terms but ppms have turned into you know a legal document so yeah even longer um but yeah I mean I think you can start leveraging Ai and software to just be a better investor and not just from you know reading legal documents like we had mentioned earlier that's a good example of of you know when you're looking into an investment maybe put that PPM into chat gbt ask questions about the investment ask if there's any inconsistencies between the PPM and the operating agreement things like that um but you can also use it for underwriting and due diligence and things like that um I'm actually an adviser for a startup called brixley and we are working on kind of a due diligence type of process process where we're aggregating all the due diligence documents we're putting them into a software and then you're able to evaluate the deal so you can evaluate that deal based on your buy box and those sorts of things and it's just it and things like that just change the game quickly right like before it just takes a lot of Manpower um a lot of hours and now it just takes minutes but you still have to have somebody skilled enough to prompt and skilled enough to ask the right questions and skilled enough to make sure that you're not believing the AI and it's not hallucinating um that sort of thing because you've got to make sure that the information gives you is right because right now it does spit out some things that that don't make a lot of sense so you just gota gota be be very careful but people if you aren't leveraging AI in just your everyday life then you're you're getting left behind yeah yeah know you got a fact check on other stories of attorneys like I guess there was an attorney in New York that like just took his whole thing and put it into AI a chat jbt and it wasn't even right it was like totally wrong and they got disbarred or something for doing that so it's obviously an investor the the risk is not going to be disbarred typically it's more you might lose your shorts or something so it's makeing sure you're doing it the right way yeah for sure yeah you gotta be careful you got to be careful but like I said it's getting better every single day like I I think in you know two years it's going to be unrecognizable in in five years we're going to have a humanoid robot in every home that we have like yeah yeah it it really is changing so fast and that's where I think it is really important important to pay attention to technology to try new things if people are not like as a listener if you're if you haven't used chat GPT there's an app you can use for free there's the website get familiar with prompting which is just going in and just being commands I literally use it I'm going to Columbia we're recording this I'm going this week to Columbia and I want here's my nine days I'm going to be here create an itinerary for me like literally created an itinerary based on my values what I want to do and and I can always like go off of that but it's like it's so helpful right it's amazing yeah it's such a time saer it's insane it's insane yeah it is it is uh well Seth I really appreciate you you being here today I just feel like you add so much value both as an investor a business owner an attorney um just love what you're creating with your content and uh can you just share how people can follow your show and how they can hear about you and and some of the things that you're doing absolutely man best place to go would be Seth paaul bradley.com and that's where I have kind of all my social media links you'll have a link to raay law my Securities Law Firm as well as try best fun of funds in a box and the podcast as well awesome brother thanks for being here man all right thanks Bronson appreciate it all right I hope you enjoyed this interview with Seth I just I love the stuff at the end there about AI if you you know you want to go back and Rel listen to that just using chat GPT in your life in your business to look at ppms and even as an attorney said yeah some attorneys don't like that because it will miss things but it's really a timesaver we use it all the time we use it all the time in our business I use it all the time in my personal life and it's just so helpful I literally it's kind of replace my Google search now because it's so much better and instead of we used to go spending time on Google you spend 30 minutes researching something now it just kind of spit out the answer for you which is really great so I use it for health stuff for travel or business topics all kinds of different ideas just find it really really helpful so hopefully you got something out of this interview you enjoyed it if you have not en joined our investment Club you're not hearing about our amazing deals that we're doing right now and that we're really excited about so um if you want to check that out you can check out the link in the uh show notes or the link below or you can go to Bronson equity.com and hit the join button we'll start a relationship with you set up a call with you and you can start hearing about our awesome upcoming deals so thank thank you for taking the time to educate yourself seriously it humbles me it excites me it gets me fired up because the best investment you make is in your own education we look forward to seeing you on the next episode you've been listening to the mailbox money podcast for more free resources articles and videos go to Bronson equity.com there you can download your copy of the Special Report the single best investment strategy during and after a pandemic none of the information shared here is an offer to buy a specific investment and this is for education ational purposes only consult your financial legal and tax professionals and use your own Common Sense before making any investment decisions thanks for joining us and be sure to tune next time for more mailbox money [Music] Links from the Show and Guest Info and Links: https://www.youtube.com/watch?v=2xrvBhGtS5w&t=396s https://www.facebook.com/reel/1762572444669041 https://www.linkedin.com/posts/bronsonhill_when-deals-go-wrong-the-fallback-is-the-activity-7321649659108581377-87lt?utm_source=share&utm_medium=member_desktop&rcm=ACoAAFY-6nMBbbX5J6KeuEtIMcA9tcRG4F_1ItE Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en Bronson Hill's Links: https://bronsonequity.com/ https://www.instagram.com/bronsondavidhill/ https://www.instagram.com/bronsonequity/ https://www.linkedin.com/in/bronsonhill/ https://www.facebook.com/bronson.hill.37/ https://www.tiktok.com/@bronsonequity2020 https://open.spotify.com/show/7AQcShxvRMoD1U2zclQQVU
First, 200 Affordable Housing units land in Mission Valley. Plus, why the Marine Corps has now changed its relationship with an Oceanside credit-union. Then, in conversation with Voice Of San Diego we take a deeper dive into the major factors impacting the housing crisis in San Diego.
Ele nasceu no interior paulista, mas foi criado entre as ondas de Ubatuba e foi lá que teve seu primeiro contato com o mar, onde, aos cinco anos de idade aprendeu a surfar com uma prancha emprestada. Incentivado pelo pai, que foi dono da primeira academia da cidade, aprendeu a nadar ainda pequeno. O surfe se tornou um estilo de vida e ainda adolescente, se destacou por um estilo agressivo e radical que, aos 17 anos, o levou a conquistar o primeiro de seus três títulos brasileiros de surfe profissional. Ainda competiu em algumas travessias e quando o triathlon chegou a Ubatuba, participou de algumas provas como forma de aprimorar seu preparo físico. Já naquela época, nos anos 90, ele buscava se diferenciar por meio da preparação física fora d'água. Com uma carreira que ultrapassou duas décadas, firmou-se como um dos grandes nomes da história do surfe nacional, acumulando vitórias no Brasil e no exterior, conquistando um vice-campeonato mundial na categoria master. Quando encerrou a carreira profissional como atleta, passou a se dedicar à formação de novos atletas. Atuou por uma década como instrutor na escola de surfe da Prefeitura de Ubatuba e cursou Educação Física, unindo a experiência prática ao conhecimento acadêmico. A partir daí, iniciou uma nova fase como treinador, especialmente acompanhando a carreira do filho, Filipe, que viria a se tornar um dos maiores nomes do surfe mundial. Em 2022, quando o Filipe disputava a fase final do mundial, ele teve a ideia de lançar o desafio: caso vencesse, o pai — fora de forma e pedalando esporadicamente — se comprometeria a completar um Ironman 70.3. O título veio em setembro e, fiel à promessa, ele iniciou os treinos sob orientação do treinador Chris Solak. Mesmo após 30 anos sem correr e com alguns quilos a mais, mergulhou no novo desafio com a disciplina. Seis meses depois estava cruzando a linha de chegada do Ironman 70.3 de Oceanside. O desafio lançado ao filho em 2022 reascendeu nele algo adormecido: o prazer pela superação, a emoção da conquista e o gosto por se colocar à prova. Durante os meses de preparação para o Ironman 70.3, sentiu na pele a força que vem do apoio familiar, a mesma que sempre ofereceu aos filhos ao longo de suas jornadas. Motivado por essa nova energia, continuou competindo em provas de triathlon ao longo de 2023 e, empolgado, propôs um novo desafio: se o filho conquistasse o bicampeonato mundial, ele dobraria a meta e completaria um Ironman. A resposta veio em setembro, com o segundo título mundial de Filipe, e, um ano depois, com o apoio incondicional da família, ele cruzava a linha de chegada do Ironman California, a maior conquista esportiva da sua vida até hoje. Casado há quase quatro décadas, é pai de quatro filhos, avô de dois netos com um terceiro a caminho, mentor, inspiração e exemplo de dedicação, superação e amor pela sua “surfamily”, conosco aqui o presidente do Instituto Felipe Toledo 77, tricampeão brasileiro de surfe e Ironman, João Ricardo de Castro Toledo. Inspire-se! Um oferecimento da Meia do Corredor Lupo Sport. Compre com desconto clicando aqui. @luposportoficial A 2 Peaks Bikes é a importadora e distribuidora oficial no Brasil da Factor Bikes, Santa Cruz Bikes e de diversas outras marcas e conta com três lojas: Rio de Janeiro, São Paulo e Los Angeles. Lá, ninguém vende o que não conhece: todo produto é testado por quem realmente pedala. A 2 Peaks Bikes foi pensada e criada para resolver os desafios de quem leva o pedal a sério — seja no asfalto, na terra ou na trilha. Mas também acolhe o ciclista urbano, o iniciante e até a criança que está começando a brincar de pedalar. Para a 2 Peaks, todo ciclista é bem-vindo. Eu convido você a conhecer a 2 Peaks Bikes, distribuidora oficial da Factor e Santa Cruz Bikes no Brasil. @2peaksbikes @2peaksbikesla SIGA e COMPARTILHE o Endörfina através do seu app preferido de podcasts. Contribua também com este projeto através do Apoia.se.
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This episode we bring back good friend and comic creator Jay Montero as we chat about some new things with Broken Reality Comics and his flagship title The Alpha. We mix this in with understanding and enjoying the journey, how his fitness regimen impacts his creative work, future things in the works with Broken Reality Comics and more! Visit Broken-reality-comics.com to purchase their comics Follow him on IG @sketchpadbyjm for all of his content and fitness motivation videos. I would love if you ranked this podcast, share a comment or share this episode out! AVAILABLE ON SPOTIFY, SOUNDCLOUD, APPLE PODCASTS SUPPORT THE SHOW: BEHIND THE SCENES CONTENT + SPECIAL DEALS + BONUS EPISODES www.buymeacoffee.com/TheCreativeBrew My new art book Worlds within Worlds available in digital form at: Thelangfordstudio.storenvy.com Or get the physical book at: www.langfordesign.com/ebooks/ or locally at Studio Ace Artshop in Oceanside, CA. Oceanside Comic Stronghold, Oceanside, CA. Mystic Ritual Shop, Oceanside, CA. Mat Clash wrestling collectible card game available with my partner brand Mat Clash Wrestling at https://bmoneybeastin.com I'll be hosting a Brew and Brush event at the ArtHouse there in collaboration with Plus Ultra Coffee. Connect with other artists and creators, draw, sketch, paint, write, it's totally up to you! Also I'll be recording a special episode there. A totally free event you can RSVP here: https://forms.gle/sqfDHozBbnSn2U9s8 SPONSORS Baba Coffee Baba roasts their coffee beans each week and offer only the freshest coffee. Have an espresso, latte, cappuccino, pour over or drip coffee. Try cold brew coffee, nitro cold brew or a bulletproof coffee. We serve hot tea, cold brew teas, and boba milk teas. They also have an assortment of delicious food (try their Avocado Toast), mimosas, wine or beer. Open: Sun-Thurs. 6am-6pm + Fri 6am-9pm + Sat. 6am-7pm
In this episode, I sit down with Mikey Schumacher, the 29-year-old creative entrepreneur behind “but cute”—a start-up brand of plush toys designed to celebrate mental health and celebrate our imperfections. In this episode, Mikey & I discuss his entrepreneurial journey, the healing power of community, and how comfort objects can open up much-needed conversations around anxiety, ADHD, and more.I came across Mikey & but cute on TikTok, became part of the startup's Kickstarter campaign, and have been an enthusiastic supporter of his mission, vision, and passion. Mikey is part of a new generation of founders whose businesses serve a social purpose, while meeting a market need, and in his case, a personal one as well. About Mikey SchumacherMikey, who lives in Oceanside, California, and is the youngest of six children, is a lifelong entrepreneur with a passion for creating meaningful products. From lemonade stands and failed T-shirt ventures to a master's degree in entrepreneurship from USC, Mikey's story is one of resilience, self-discovery, and turning setbacks into springboards. Now, with the viral success of But Cute, Mikey empowers people of all ages to embrace their quirky, anxious, or imperfect sides—one plush toy at a time.Here's what you'll take away from this episode:1. Learning by Failing ForwardMikey shares how every “failed” business (including a Kickstarter flop and one epic T-shirt company bust) was actually just a bootcamp for founder growth.2. Why Comfort Objects Are Powerful (at ANY Age)Explore the real science and sentimental magic behind plush toys—and why adults are snatching them up too.3. Turning Insecurity into CommunityDiscover how But Cute's Discord became a safe haven for people to share insecurities and get massive support, no judgment.4. Practical Advice for OverthinkersHear Mikey's simple but game-changing reminder: “Don't predict the future. Take one step at a time.” (Diann co-signs HARD.)5. Creative Chaos is Your FriendPeek into Mikey's wild idea process: fusion-creature brainstorming, accidental croissant claws, and the beauty of letting go of perfection.Mentioned during this episode:SquishmallowsLabubuConnect with Mikey & But CuteBut Cute Website TikTok: @butcutetoysBut cute club Discord channel Join the Conversation!Are you an adult with an emotional support plushie? Has a comfort item helped your mental health? Follow but cute, join their discord community and tag them on social media on posts that focus on embracing imperfections. Did this episode inspire you? Thank you for listening to ADHD-ish! Subscribe & leave a review if this conversation brought you comfort, courage, or just a smile. © 2025 ADHD-ish Podcast. Intro music by Ishan Dincer / Melody Loops / Outro music by Vladimir / Bobi Music / All rights reserved.
In this episode, I sit down with Mikey Schumacher, the 29-year-old creative entrepreneur behind “but cute”—a start-up brand of plush toys designed to celebrate mental health and celebrate our imperfections. In this episode, Mikey & I discuss his entrepreneurial journey, the healing power of community, and how comfort objects can open up much-needed conversations around anxiety, ADHD, and more.I came across Mikey & but cute on TikTok, became part of the startup's Kickstarter campaign, and have been an enthusiastic supporter of his mission, vision, and passion. Mikey is part of a new generation of founders whose businesses serve a social purpose, while meeting a market need, and in his case, a personal one as well. About Mikey SchumacherMikey, who lives in Oceanside, California, and is the youngest of six children, is a lifelong entrepreneur with a passion for creating meaningful products. From lemonade stands and failed T-shirt ventures to a master's degree in entrepreneurship from USC, Mikey's story is one of resilience, self-discovery, and turning setbacks into springboards. Now, with the viral success of But Cute, Mikey empowers people of all ages to embrace their quirky, anxious, or imperfect sides—one plush toy at a time.Here's what you'll take away from this episode:1. Learning by Failing ForwardMikey shares how every “failed” business (including a Kickstarter flop and one epic T-shirt company bust) was actually just a bootcamp for founder growth.2. Why Comfort Objects Are Powerful (at ANY Age)Explore the real science and sentimental magic behind plush toys—and why adults are snatching them up too.3. Turning Insecurity into CommunityDiscover how But Cute's Discord became a safe haven for people to share insecurities and get massive support, no judgment.4. Practical Advice for OverthinkersHear Mikey's simple but game-changing reminder: “Don't predict the future. Take one step at a time.” (Diann co-signs HARD.)5. Creative Chaos is Your FriendPeek into Mikey's wild idea process: fusion-creature brainstorming, accidental croissant claws, and the beauty of letting go of perfection.Mentioned during this episode:SquishmallowsLabubuConnect with Mikey & But CuteBut Cute Website TikTok: @butcutetoysBut cute club Discord channel Join the Conversation!Are you an adult with an emotional support plushie? Has a comfort item helped your mental health? Follow but cute, join their discord community and tag them on social media on posts that focus on embracing imperfections. Did this episode inspire you? Thank you for listening to ADHD-ish! Subscribe & leave a review if this conversation brought you comfort, courage, or just a smile. © 2025 ADHD-ish Podcast. Intro music by Ishan Dincer / Melody Loops / Outro music by Vladimir / Bobi Music / All rights reserved.
Our second installment in our "Oceanside's Own" series. Theo invites us to think about how God is the ultimate caregiver in our lives.
We share our recent stay at the Seabird Resort in Oceanside, California, highlighting our incredible suite upgrade experience and why this beachfront property remains our family favorite. The Grand Ocean corner suite with panoramic views completely transformed our experience, offering ample space and unbeatable ocean vistas.• Booking details: 87,000 Hyatt points for a 3-night stay (29,000 points per night) during July 4th weekend• Successfully applying a suite upgrade award for the Grand Ocean Suite with two-sided balcony and panoramic views• Globalist breakfast benefits covering both adults and children, with all charges ultimately waived at checkout• Pool and beach amenities including complimentary chair and umbrella setup, boogie boards, and sand toys• Family-friendly features like the kids' activity room with video games, ping pong, and board games• Excellent nearby dining options including Wildland (Italian), The Taco Stand, and Stella Jean's Ice Cream• Special beach bonfire experience with s'mores for $300 (plus tax/gratuity)• Trip cost breakdown: approximately $2,400 total for our family of five, excluding accommodations• Using the Travel Spend app to track vacation expenses and budget more effectivelyFollow us on Instagram @travelpartyof5 for more detailed content, including a full highlight reel of our Oceanside stay and the amazing suite.
Matthew Lefthand is a record-breaking ultra-endurance cyclist who's redefining what's possible on two wheels. In this episode, we dive into his journey from a 270-pound marathon runner to one of the fastest ultra bikers in the world. He recently shattered the Race Across the West course record, completing the brutal 860-mile route from Oceanside to Durango in just 1 day, 21 hours, and 39 minutes, averaging nearly 19 mph through desert heat and mountain climbs. Earlier this year, he also set the highest 24-hour mileage ever recorded by an American—576 miles at the Sebring 24. But beyond the numbers, this conversation is about the mental, physical, and spiritual transformation that fuels those rides. Matthew talks about what it means to suffer with purpose, how his Navajo heritage and family drive him forward, and what it takes to truly give everything you have. If you're chasing big goals or need a reminder of what the human body and spirit are capable of, this one's for you.
The very first installment in our "Oceanside's Own" series. Trudy walks us through a hopeful message rooted in the story of Job.
This week on Dopey! It's the long-awaited episode with Chasing Heroin host Jeanine Coulter, recorded live at Jeremy's house during Dopeywood!Janine tells the full, raw, and very dopey story of her descent into addiction: from being a straight-A Supreme Court hopeful, to getting obsessed with exercise and binge eating, to discovering coke in a redneck bar in Georgia, all the way to living in an abandoned cell phone store in Oceanside, California smoking heroin off foil.Janine talks about doing meth that was pink, accidentally getting strung out at 30, and finding herself in a cinderblock junkie jungle gym run by tweakers. She reflects on her arrest record, her failed attempts at controlled drinking, and how it all somehow led to a decade of recovery, a podcast, and a damn TED Talk on post-traumatic growth.PLUS: a touching email from a listener who outran the cops with a trunk full of weed and somehow lived to tell the tale. A beautiful PCP voicemail and much much more on a brand new epiksode of that good ol Dopey Show!Don't forget: DopeyCon 6 tickets are out on Patreon. Leave a review. Send a voicemail. And follow us on youtu
A lithium-ion battery explosion caused a fire in an apartment building in La Jolla early Thursday morning on La Jolla Blvd. The City of Oceanside is warning people to look out for a new scam, where people are posing as water agency workers. A developer is presenting their plans to build a giant sports and entertainment complex on Chula Vista's bayfront, to the Port of San Diego board, next Tuesday.
This episode we bring on PR speciailst Taiisha Bradley. She talks about her origin story and how she got into Public Relations. Being around entertainers she has a funny story about James Brown, how she became a natural connector and turning that into a career. In the video episode she shares her new PR platform called www.apresskit.com and how anyone can have a professional press kit available for media opportunities. She gives her creative tips, inspirations and words of wisdom for listeners. Visit www.apresskit.com Follow her on IG @mediacircuspr https://mediacircusnews.substack.com I would love if you ranked this podcast, share a comment or share this episode out! AVAILABLE ON SPOTIFY, SOUNDCLOUD, APPLE PODCASTS SUPPORT THE SHOW: BEHIND THE SCENES CONTENT + SPECIAL DEALS + BONUS EPISODES www.buymeacoffee.com/TheCreativeBrew My new art book Worlds within Worlds available at: www.langfordesign.com Or get the physical book at: www.langfordesign.com/ebooks/ or locally at Studio Ace Artshop in Oceanside, CA. Oceanside Comic Stronghold, Oceanside, CA. Mystic Ritual Shop, Oceanside, CA. Mat Clash wrestling collectible card game available with my partner brand Mat Clash Wrestling at https://bmoneybeastin.com I'll be hosting a Brew and Brush event at the ArtHouse there in collaboration with Plus Ultra Coffee. Connect with other artists and creators, draw, sketch, paint, write, it's totally up to you! Also I'll be recording a special episode there. A totally free event you can RSVP here: https://forms.gle/sqfDHozBbnSn2U9s8 SPONSORS Baba Coffee Baba roasts their coffee beans each week and offer only the freshest coffee. Have an espresso, latte, cappuccino, pour over or drip coffee. Try cold brew coffee, nitro cold brew or a bulletproof coffee. We serve hot tea, cold brew teas, and boba milk teas. They also have an assortment of delicious food (try their Avocado Toast), mimosas, wine or beer. Open: Sun-Thurs. 6am-6pm + Fri 6am-9pm + Sat. 6am-7pm
The Grand Hyatt Indian Wells Resort offers a family-friendly getaway with luxurious accommodations and impressive water features including a lazy river and water slides. We share our experience staying in a penthouse suite and how we maximized our travel points to make this vacation more affordable.• Recently renovated property rebranded from Hyatt Regency to Grand Hyatt• Located 30 minutes from downtown Palm Springs in a quieter resort area• Upgraded to 875-square-foot penthouse suite with king bed, separate living area, and balcony• Multiple pool areas including family pool, splash pad, water slides, and a popular lazy river• Food options include casual Carmocha restaurant, upscale Tia Carmen, and a lobby Starbucks• Budget tip: bring your own alcohol and mixers for poolside drinks• Summer visits mean extreme heat (110°F+) but lower rates as it's considered off-peak season• Now a Category 6 Hyatt property requiring 21,000-29,000 points per night (previously Category 5)• Reserve pool chairs early in the morning and get a second set when the lazy river opens at 10am• Restaurant recommendation: Mi Cultura, a delicious Peruvian restaurant nearbyIf you ever get any value out of our podcast, please leave us a rating or review wherever you listen. Next week we'll be sharing our experience at the hotel in Oceanside where we had our first real "pinch me" moment in points and miles travel.
In this special bonus episode of the Daily Living for Christ podcast, join Donald E. Coleman as he shares a powerful live message preached at The RISE Church in Oceanside, California: “The Hidden River: Five Principles of God's Agape and the Spiritual Awakening of Our Age.”This message shares the DNA of TCBCL and the ROOTED Global Movement. Donald takes listeners on a journey beneath the noise and chaos of our world, revealing how God's Agape flows like a hidden river, quietly fueling a global spiritual awakening. Drawing from Scriptures like John 3:16, John 17, Romans 12:2, and Ephesians 3:14-19, he explores five profound principles of God's Agape:✅ God's Agape is gracious and available to all—a love that reaches beyond all boundaries and divisions.✅ Agape is relational and seeks unity, inviting hearts into deep connection and community.✅ Agape is transformational, reshaping lives from the inside out and sparking creativity and innovation.✅ We choose how deeply to receive Agape, determining whether we merely observe awakening or participate in it.✅ We can cultivate receptivity to Agape through prayer, worship, and spiritual practices that open the soul to God's transforming presence.In this message, Donald calls people to recognize the hidden river of divine love flowing beneath global unrest and personal struggles—a persistent current drawing humanity back to its true Source.If you've ever felt a longing for deeper meaning, divine connection, or spiritual renewal, this episode will awaken you to the reality that God's love is not distant—it's flowing right beneath your feet, ready to carry you into a new life.➡️ Listen now and discover how to step into the hidden river of God's Agape and become part of the spiritual awakening unfolding in our time. ➡️ As an added bonus, download the article "The Hidden River: Five Principles of God's Agape and the Spiritual Awakening of Our Age. "Have Questions, Send us a Message" This podcast is a production of The Center for Biblical Coaching and Leadership. If this episode has been useful or inspiring to you in any way, please share it with someone else. Lastly, please follow the show and write a review.If you want to go deeper on this journey, visit www.tcbcl.org to learn how we're walking this path together through biblical coaching, spiritual formation, and the ROOTED Global Movement.
This episode we bring Albert Bramante on the show, he's coached actors to land major roles, mentored students to succeed professionally, and worked with educators to enhance their impact. My approach blends psychology, performance strategy, and even technology—like AI tools such as ChatGPT and Claude—to help people break through mental blocks and achieve their goals. This is the episode for you if you want to get change the script of how you see yourself, get through those mental barriers and land those gigs. He gives some great creative tips and some words of wisdom. You can also check out his book Rise above the Script. Give him a follow on IG @dralbertbramante I would love if you ranked this podcast, share a comment or share this episode out! AVAILABLE ON SPOTIFY, SOUNDCLOUD, APPLE PODCASTS SUPPORT THE SHOW: BEHIND THE SCENES CONTENT + SPECIAL DEALS + BONUS EPISODES www.buymeacoffee.com/TheCreativeBrew My new art book Worlds within Worlds available in digital form at: https://books.apple.com/us/book/worlds-within-worlds/id6502226996 Or get the physical book at: www.langfordesign.com/ebooks/ or locally at Studio Ace Artshop in Oceanside, CA. Oceanside Comic Stronghold, Oceanside, CA. Mystic Ritual Shop, Oceanside, CA. Mat Clash wrestling collectible card game available with my partner brand Mat Clash Wrestling at https://bmoneybeastin.com PSA: I'm coming to Cleveland, TN in July I'll be hosting a Brew and Brush event at the ArtHouse there in collaboration with Plus Ultra Coffee. Connect with other artists and creators, draw, sketch, paint, write, it's totally up to you! Also I'll be recording a special episode there. A totally free event you can RSVP here: https://forms.gle/sqfDHozBbnSn2U9s8 SPONSORS Baba Coffee Baba roasts their coffee beans each week and offer only the freshest coffee. Have an espresso, latte, cappuccino, pour over or drip coffee. Try cold brew coffee, nitro cold brew or a bulletproof coffee. We serve hot tea, cold brew teas, and boba milk teas. They also have an assortment of delicious food (try their Avocado Toast), mimosas, wine or beer. Open: Sun-Thurs. 6am-6pm + Fri 6am-9pm + Sat. 6am-7pm
Episode: 00273 Released on June 30, 2025 Description: This week on Analyst Talk, host Jason Elder welcomes Steve Walter, Crime and Intelligence Manager at the Oceanside Police Department, to share insights from his two-decade career in law enforcement analysis.. Steve shares how a graduate degree in contemporary British history led to a career pivot into crime analysis following 9/11, the challenges of being Oceanside PD's first analyst, and the creative solutions that helped him build a thriving unit from scratch. He reflects on managing protests during the George Floyd era, hiring and retaining top talent, and why he's stayed with the same department for over 20 years. Plus, hear Steve's thoughts on AI, real-time crime centers, and what truly makes a successful analyst. Whether you're a new analyst or a seasoned pro, this episode is packed with insights, humor, and heart.
Welcome to Moonlight Sounds, the podcast featuring white noise and nature sounds to help you sleep, study, or relax. We make relaxing sounds to improve your life and are excited to share them with you. Join the millions who have already enjoyed our meditation soundscapes which include rain sounds, ocean waves, white noise for babies, fan sounds, spaceships, Tibetan bowls, waterfalls and rain with thunder. Whether you're trying to study for a test, focus at work, fall asleep or simply relax, we have the perfect chill sound for you.DISCLAIMER: Remember that loud sounds can potentially damage your hearing. When playing one of our ambiences, if you cannot have a conversation over the sound without raising your voice, the sound may be too loud for your ears. Please do not place speakers right next to a baby's ears. If you have difficulty hearing or hear ringing in your ears, please immediately discontinue listening to the white noise sounds and consult an audiologist or your physician. The sounds provided by Moonlight Sounds Podcast are for entertainment purposes only and are not a treatment for sleep disorders or tinnitus. If you have significant difficulty sleeping on a regular basis, experience fitful/restless sleep, or feel tired during the day, please consult your physician.
The candidates for county supervisor in District 1 are slinging accusations back and forth — what's true and what isn't? And, UC San Diego Health laid off hundreds. Find out how many and why. Then, ICE detained the U.S. citizen-children during a raid in search of their father. Hear what one of them is saying about it. Also, a new federal report reveals possible causes of the Oceanside pier fire. Finally, an update on a funding fight for the water garden at Cuyamaca College.
The Michelin Guide has revealed which California restaurants earned a "star." Carlsbad's Lilo picked up one Michelin star. Meanwhile, Atelier Manna received a Bib Gourmand designation. San Diego now has five Michelin-starred restaurants. This week on Roundtable, we bring together a few journalists covering one of the things we love most about San Diego: food. Plus, the weekly roundup of other stories from the week. Guests: Candice Woo, freelance journalist and editor in San Diego Beth Demmon, food and drink writer for San Diego Magazine Farley Elliot, SoCal Bureau chief, SFGATE Ashley Rusch, producer, KPBS Food & drink recommendations: Read Candice Woo's Guide to San Diego Dining Lilo - Carlsbad Read Beth Demmon's Review on Lilo Jeune et Jolie - Carlsbad Addison - Del Mar Valle - Oceanside Atelier Manna - Leucadia Soichi - North Park Fine dining Lucien - La Jolla Dora - La Jolla Fleurette - La Jolla, UTC Bosforo - Normal Heights Read Beth Demmon's Look into Bosforo Vulture (Vegan & Cocktails)- University Heights Read Candice Woo's Review on Vulture Trust - North Park 3131 by Deckman's - North Park Trattoria Cori Pastificio - North Park Food & casual dining Odie's Pizza Co - Oceanside New Wave Bagel - Leucadia Read Beth Demmon's Review on New Wave Bagel Chick & Hawk - Encinitas Read Candice Woo's Review on Chick & Hawk La Perla #3 - Point Loma Read Candice Woo's Favorite Burritos in San Diego Wildflour Delicatessen - Liberty Station Read Beth Demmon's Review on Wildflour Sonny's Pizza - University Heights Zion Market (Food Court and Rooftop Bar) - Kearny Mesa Marigold Bagels - North Park Read Beth Demmon's Review on Marigold Bagels Bica - Normal Heights Drinks & breweries Happy Medium - North Park Read Candice Woo's Guide to Cocktail Bars Green Cheek Beer Co. - Oceanside Artifex Brewing - Oceanside Brewery X - Downtown Asylum Brewing - North Park Brewjeria Taproom & Kitchen - Chula Vista Athletic Brewing Co.
Fresh Fizz soda is made in Oceanside, Long Island . . . and fumbles through a commercial from them. - He also shares how he went viral on Instagram and TikTok with a Juneteenth Soup joke. He talks about his new obsession with Long Island's TriCounty Flea Market. Plus inspired by Jana Angel . . . our new mascot: Starboots. 0:00 – Intro: Walking into traffic for the bit 00:19 – Touring Fresh Fizz 01:45 – Laverne & Shirley vibes + Brady Bunch freezer trauma 02:50 – Why this episode is “unplanned but honest” 04:00 – The Juneteenth Soup Clip that got 6M views 05:30 – The internet vs. nuance: Instagram vs. Facebook comments 07:00 – Racism in the replies & the challenge of joking across cultures 08:30 – "Not a barbecue — it's a cookout!" (Instagram teaches Tom) 10:40 – Star Boots is born (and starts dancing) 14:00 – Tri-County Flea Market nostalgia & May's department store memories 16:00 – Kim The Tri County Flea Market Lady (and her perfect imperfections) 20:00 – Sentimental shift: Tom's yearly Maine pilgrimage 21:00 – Manifesting a sand dollar (and getting a smaller one first) 22:00 – “You got what you wanted, just not the way you thought” 23:30 – The psychic says: August is Tom's month (lease renewed) 24:20 – Magic Mirror shout-outs & gay men sliding into the DMs
This episode I use an important concept in wrestling and martial arts and how it could help your creative practice. How to create one thing and finding ways of leveraging that piece across multiple channels potentially finding new clients, revenue and opportunities. There's a multitude of ways to build a thriving creative practice, but I'm sharing 3 ways that's helped me directly. After listening to this episode it may open your mind to the way you see your creative journey. I would love if you ranked this podcast, share a comment or share this episode out! AVAILABLE ON SPOTIFY, SOUNDCLOUD, APPLE PODCASTS https://youtu.be/wXdSFWU1fjU SUPPORT THE SHOW: BEHIND THE SCENES CONTENT + SPECIAL DEALS + BONUS EPISODES www.buymeacoffee.com/TheCreativeBrew My new art book Worlds within Worlds available in digital form at: https://books.apple.com/us/book/worlds-within-worlds/id6502226996 Or get the physical book at: www.langfordesign.com/ebooks/ or locally at Studio Ace Artshop in Oceanside, CA. Oceanside Comic Stronghold, Oceanside, CA. Mystic Ritual Shop, Oceanside, CA. Mat Clash wrestling collectible card game available with my partner brand Mat Clash Wrestling at https://bmoneybeastin.com I'm coming to Cleveland, TN in July I'll be hosting a Brew and Brush event at the ArtHouse there in collaboration with Plus Ultra Coffee. Connect with other artists and creators, draw, sketch, paint, write, it's totally up to you! Also I'll be recording a special episode there. A totally free event you can RSVP here: https://forms.gle/sqfDHozBbnSn2U9s8 SPONSORS Baba Coffee Baba roasts their coffee beans each week and offer only the freshest coffee. Have an espresso, latte, cappuccino, pour over or drip coffee. Try cold brew coffee, nitro cold brew or a bulletproof coffee. We serve hot tea, cold brew teas, and boba milk teas. They also have an assortment of delicious food (try their Avocado Toast), mimosas, wine or beer. Open: Sun-Thurs. 6am-6pm + Fri 6am-9pm + Sat. 6am-7pm
Welcome to Moonlight Sounds, the podcast featuring white noise and nature sounds to help you sleep, study, or relax. We make relaxing sounds to improve your life and are excited to share them with you. Join the millions who have already enjoyed our meditation soundscapes which include rain sounds, ocean waves, white noise for babies, fan sounds, spaceships, Tibetan bowls, waterfalls and rain with thunder. Whether you're trying to study for a test, focus at work, fall asleep or simply relax, we have the perfect chill sound for you.DISCLAIMER: Remember that loud sounds can potentially damage your hearing. When playing one of our ambiences, if you cannot have a conversation over the sound without raising your voice, the sound may be too loud for your ears. Please do not place speakers right next to a baby's ears. If you have difficulty hearing or hear ringing in your ears, please immediately discontinue listening to the white noise sounds and consult an audiologist or your physician. The sounds provided by Moonlight Sounds Podcast are for entertainment purposes only and are not a treatment for sleep disorders or tinnitus. If you have significant difficulty sleeping on a regular basis, experience fitful/restless sleep, or feel tired during the day, please consult your physician.
The ILB Team returns to Oceanside and visits The Mill Room to talk about South O beer, cocktails and food with Jack Everett. The space, food and drink experience is impressive, and so is the vision Jack and partner Trevor Whitehead have brought to this new venture. As always, they've done it all with a commitment to their community and true to the Oceanside vibe. With a little prodding, Jack shares a "Moment in Beer" that rivals Trevor's great stories. Take a listen to hear more about new beers, upcoming events, The Mill Room, and zip ties.
Y'all are gonna love Deana as much as I did.Deana was adopted into a family in Calabasas and thrown into the entertainment industry as a child. Enduring childhood abuse by her adoptive mother led to teen rebellion and drug use. Addicted to crack cocaine by eighteen years old, Deana spent the next thirty years of life addicted, homeless and lost.Deana finally got sober in 2020 and is thriving in her life. She shares her story with humor and vulnerability. I was so inspired by her story, and I know you will be too!DM me on InstagramMessage me on FacebookListen AD FREE & workout with me on Patreon Connect with me on TikTokEmail me chasingheroine@gmail.comSee you next week!
Fallout from last week's ICE raid in South Park continued Tuesday with union leaders calling the action an “attack on workers.” Then, the price of parking is going to change — hear more about when and by how much. And, we have part two of our five-part series on the District 1 county supervisor's race. Also, hear a discussion about the latest data on news consumption trends. Finally, find out which Oceanside coffee shop is getting a jolt from local musician Jason Mraz.
What happens when you become the local brand in real estate? Melissa's journey shows it's worth everything. Jesse and Melissa (aka Miss Oceanside) dive into the power of hyperlocal farming—branding yourself within a tight community for deep market penetration. From Google reviews to door-knocking to publishing a bestselling book, Melissa shares how authenticity and purpose can elevate your visibility and client base.
This episode we visit Camp Coffee in Oceanside, California, to chat with Ciskoe Ortega. A man, formerly incarcerated, now finding ways of spreading my love, wisdom and positivity. A regular fitness junkie, he's done bodybuilding competitions through the help of The Gym, in Vista Ca. Doing volunteer work with Humanity Showers, and has an emerging brand called Tin Man. Ciskoe shares and enduring story of how anyone can get out of that dark hole, with a little help, and figuring out how to become a better human each day. Follow him on IG @cmeluciano_3 and his own podcast on IG @tinmanpodcast I would love if you ranked this podcast, share a comment or share this episode out! AVAILABLE ON SPOTIFY, SOUNDCLOUD, APPLE PODCASTS https://youtu.be/wXdSFWU1fjU SUPPORT THE SHOW: BEHIND THE SCENES CONTENT + SPECIAL DEALS + BONUS EPISODES www.buymeacoffee.com/TheCreativeBrew My new art book Worlds within Worlds available in digital form at: https://books.apple.com/us/book/worlds-within-worlds/id6502226996 Or get the physical book at: www.langfordesign.com/ebooks/ or locally at Studio Ace Artshop in Oceanside, CA. Oceanside Comic Stronghold, Oceanside, CA. Mystic Ritual Shop, Oceanside, CA. Mat Clash wrestling collectible card game available with my partner brand Mat Clash Wrestling at https://bmoneybeastin.com SPONSORS Baba Coffee Baba roasts their coffee beans each week and offer only the freshest coffee. Have an espresso, latte, cappuccino, pour over or drip coffee. Try cold brew coffee, nitro cold brew or a bulletproof coffee. We serve hot tea, cold brew teas, and boba milk teas. They also have an assortment of delicious food (try their Avocado Toast), mimosas, wine or beer. Open: Sun-Thurs. 6am-6pm + Fri 6am-9pm + Sat. 6am-7pm
Dezzy Hallow stopped by the Cruz Show to talk about his new album, his home city of Oceanside, the grind of the road, being an independant artist & so much more.
The Blue-Collar Twins sit down with Scott Nelson, founder of Central-Jersey's iconic Oceanside Service—the turquoise-truck HVAC firm he bootstrapped for 36 years before handing the keys to private equity earlier this spring. Scott unpacks the branding bets, “golden-handcuff” culture, and 20 %-margin playbook that turned a $600 van into a top-1 % contractor (and a life-changing buyout).Buzz EP 203 Scot N Mix … You'll hear: Branding on Wheels – why he painted every truck Caribbean blue (and wrapped the last two).25-Minute Rule – slashing windshield time to keep service profit-positive.Earn While You Learn – duct-cleaning crews as a talent farm for techs and installers.Golden Handcuffs – split-dollar life insurance that locked managers in for 15 years.Pricing for 20 % Net – escaping the HVAC industry's 1.5 % average.PE Negotiations – walking from the table until the acquirer funded his staff's benefits.Life After the Sale – why he turned down a six-figure consulting gig to just be “Grandpa Scott.” Stick around for Dylan's quick CTA to Paul Giannamore's Private-Equity Masterclass playlist—then audit your own “billable hour” before the next heat wave hits. From PE Teachers to Pest Control Owners: The Julio Twins Share Their POTOMAC Experience https://youtu.be/HAx9noqsqTo https://www.linkedin.com/in/paulgiannamore www.potomaccompany.com https://bluecollartwins.com Produced by: www.verbell.ltd Timestamps (podcast.co-ready) 00:00 – Cold-open: “I never worried a second about competition—just do me.” 00:35 – Jason & Jeremy welcome 36-year HVAC veteran Scott Nelson of Oceanside Service 01:40 – One-man startup to 24 trucks & 32 staff: the scale story 03:00 – Turquoise trucks, spotless wheels: branding that sells before you speak 04:50 – The 25-minute territory rule and killing windshield waste 06:20 – Community roots: firefighter networks & word-of-mouth growth 08:15 – Mindset: “The world's easy—people make it hard.” 10:30 – Relationship > transaction: serving three homeowner generations 12:00 – Air-duct crews as a paid training academy (“Earn while you learn”) 14:20 – Recruiting from vo-techs; achieving near-zero turnover 16:25 – Golden Handcuffs: $500 k split-dollar life policies for key managers 19:10 – Overpaying staff & investing in real estate instead of raises for himself 21:30 – Grooming his son to take over; stepping back from fire-service leadership 24:00 – Private-equity courtship, the NDA era, and negotiating staff benefits 27:40 – Charging for value: hitting 20 % net vs. industry's 1.5 % 30:50 – Crushing costs: $500 k in insurance & healthcare, total transparency with crew 33:00 – Advice to a $500 k contractor: know your P&L and ditch new-construction work 35:15 – Tech stack: why ServiceTitan (at $7 k/mo) was worth every penny 37:00 – Recession-resistant revenue: maintenance plans & premium system sales 40:30 – Post-exit life: “Most of my hair, half my sanity—and all my family time.” 42:00 – Parting shot: watch your kids grow up and work on (not in) the business
A small plane crashed overnight in the Murphy Canyon area in the 3100 block of Salmon St. The man who was involved in a small plane crash in Oceanside and had a kilo of cocaine was sentenced to 2 1/2 years in prison. The San Diego Padres are hosting the 9th annual Padres summer blood drive today at Gallagher square park.
This episode we have military vet now turned artist Kaleb Knowles, based in the Chattanooga, TN. Area. He combines color, emotional depth with nature to create pieces that his audience clamors for. But it didn't start out like this at all, matter of fact this self-trained artist just started with art therapy classes offered by the military that jumpstarted his love for art and to where he is now. A great conversation on being courageous enough to learn something new and see where the quest takes you. I would love if you ranked this podcast, share a comment or share this episode out! AVAILABLE ON SPOTIFY, SOUNDCLOUD, APPLE PODCASTS SUPPORT THE SHOW: BEHIND THE SCENES CONTENT + SPECIAL DEALS + BONUS EPISODES www.buymeacoffee.com/TheCreativeBrew My new art book Worlds within Worlds available in digital form at: https://books.apple.com/us/book/worlds-within-worlds/id6502226996 Or get the physical book at: www.langfordesign.com/ebooks/ or locally at Studio Ace Artshop in Oceanside, CA. Oceanside Comic Stronghold, Oceanside, CA. Mystic Ritual Shop, Oceanside, CA. SPONSORS Baba Coffee Baba roasts their coffee beans each week and offer only the freshest coffee. Have an espresso, latte, cappuccino, pour over or drip coffee. Try cold brew coffee, nitro cold brew or a bulletproof coffee. We serve hot tea, cold brew teas, and boba milk teas. They also have an assortment of delicious food (try their Avocado Toast), mimosas, wine or beer. Open: Sun-Thurs. 6am-6pm + Fri 6am-9pm + Sat. 6am-7pm
In this episode, we dive into the stories behind some of San Diego's most interesting restaurant groups—from big names like Trust and Consortium Holdings to hyper-local players like The Leucadia Co. We talk about how chefs like Brad Wise and Brian Malarkey have shaped the city's dining scene, what's coming next (like Breakers Café in Encinitas and Odie's Pizza in Oceanside). Whether you're a foodie, a local, or someone just curious about where San Diego's culinary scene is headed, this one's packed with flavor.
Rapper and producer Dezzy Hollow is a master of modern day West Coast funk. Earlier this year he released an album called OCEANSIDE, which he named after his hometown. He chats with us about the record, what he hopes his music can bring to the city and much more.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy
Kim recently took a quick trip to her happy place, Disneyland, to attend a special media preview of its 70th anniversary celebration. This yearlong celebration features new entertainment from fireworks to parades, special celebratory food items, decorations throughout the park, and fun interactive activations. There are also promotional package deals available through Kim's partner Getaway Today. Learn more here and use code 'Stuffed Suitcase" when purchasing to save an additional $10 off a 2+ night vacation package. Learn more about Disneyland's 70th celebration foods here: https://disneyparksblog.com/dlr/disney-eats-disneyland-70th-celebration-foodie-guide/ See more of the special events and decorations on Kim's Insta post: https://www.instagram.com/p/DJskA7ZJRKD/ Related Episodes: Girls' trip to Oceanside, California and Disneyland Disneyland and Irvine, California Disneyland Holidays Planning a trip to Disneyland Disneyland travel tips
On this Out of Bounds episode I bring back on brand strategist/designer/coach and lover of comics and sci-fi Ian McEwen. We talk about comics, brand identity, sci-fi, and sports. You can follow Ian McEwen on IG @thetruthquarry SHARE, SUBSCRIBE, COMMENT AVAILABLE ON SPOTIFY, SOUNDCLOUD, APPLE PODCASTS Video Episode at YouTube@quantallangford SUPPORT THE SHOW: BEHIND THE SCENES CONTENT + SPECIAL DEALS + BONUS EPISODES www.buymeacoffee.com/TheCreativeBrew Get my sci-fi conceptual book: Worlds within Worlds Art book available at: https://books.apple.com/us/book/worlds-within-worlds/id6502226996 Or get the physical book at: www.langfordesign.com/ebooks/ or locally at Studio Ace Artshop in Oceanside, CA. Oceanside Comic Stronghold, Oceanside, CA. Mystic Ritual Shop, Oceanside, CA. SPONSORS Baba Coffee Baba roasts their coffee beans each week and offer only the freshest coffee. Have an espresso, latte, cappuccino, pour over or drip coffee. Try cold brew coffee, nitro cold brew or a bulletproof coffee. We serve hot tea, cold brew teas, and boba milk teas. They also have an assortment of delicious food (try their Avocado Toast), mimosas, wine or beer. Open: Sun-Thurs. 6am-6pm + Fri 6am-9pm + Sat. 6am-7pm
Each time I sit down with Danny, it's like getting an education on motorcycles and the kustom culture. Danny is a wealth of good vibes and perspectives that help make the day-to-day grind a walk in the park! From Impalas to Road Glides, Phoenix to Oceanside, in this episode, we sit down for the third time to chop it up about life, motorcycles, and everything in between! Instagram https://www.instagram.com/danny_______g/ Stay ahead of the game with exclusive updates and behind-the-scenes insights from our garage talk podcast and community chats on our Patreon!. Sign up now! https://Www.patreon.com/fastlifegare Big thanks to our Show Sponsors1 ⚡️ @arlennessmotorcycles https://www.arlenness.comics offer code “FASTLIFE10” for 10% off ⚡️ @lexinmoto https://www.lexin-moto.com Offer code “fastlife” for 15% off ⚡️ @cowboyhdaustin https://www.cowboyharleyAustin.com ⚡️ @customdynamics Https://www.customdynamics.com ⚡️ @lawtigersdallastexas https://lawtigers.com 1-800-LAW-TIGERS
City Heights residents are pushing back against budget cuts to rec centers and libraries. Then, a new report says Medi-Cal patients are hospitalized for preventable conditions twice as much as Californians with private insurance. And hear the latest on the Marine Corps' controversial contract with an Oceanside-based credit union. Plus, Governor Gavin Newsom released $3 billion for behavioral health and housing — we'll tell you what San Diego organizations will benefit. Finally, we look at how automated bots are scooping up the best tee times at city golf courses.
DJ, producer, and singer-songwriter duo Eli & Fur share reimagined cuts from their 2024 recording Dreamscapes. You’ll hear creative remixes from artists like the German brother duo Monkey Safari on this bubbling version of “Oceanside.”