Podcasts about Palm

Would you ever pay for something by scanning the palm of your hand? Amazon's working on that tech now. Here's how it works, in 60 seconds. Learn more about your ad choices. Visit megaphone.fm/adchoices

The next iPhone might be much more expensive. Disney Plus and Hulu are getting big price hikes. Palm payments coming to 65 Whole Foods stores in California.

Mike Palm from Circa Sports, Tom Kakert on the Hawkeyes, and More - Friday Hour 2

The Justice Department finally speaks out on the FBI search at former President Trump's home at Mar-a-Lago. Attorney General Merrick Garland saying today he personally approved the search warrant. He also says the department has asked a court to unseal the warrant the FBI received before searching the home. We go In Depth into what this means for Mr. Trump.   Violent talk has increased online following the Mar-a-Lago search which has some analysts concerned.  Some positive economic news comes out regarding inflation. Maybe it's slowing down now.  COVID deaths and the number of people in the hospital across the country may be leveling off and possibly on the decline. We go In Depth into whether we're any closer to the end of the pandemic.  Some Whole Foods stores will soon let you pay with your palm. But it's raising some questions about cybersecurity and privacy.  Canada's euthanasia law is being criticized now for hurting disabled people who aren't otherwise dying.  A tough new security guard is patrolling a public transit station in the Bay Area. He's flying around chasing off small birds.  To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Why did the Biden regime dispatch 20-30 armed FBI agents to Palm Beach Florida on Monday to raid the private residence of former President Donald Trump? What were they searching for? What did they expect to find? The lying news media is telling you part of the story. TruNews will tell you the rest of the story. Rick Wiles, Doc Burkhart. Air date 8/10/22It's the Final Day! The day when Jesus Christ bursts into our dimension of time, space, and matter. You can order the second edition of Rick's book, Final Day!  https://rickwiles.com/final-day

Fingerboards, the palm-sized skateboards you steer with your fingers, are tokens of 1990s nostalgia that's gaining interest among a new generation of riders. LA's recently expanded “anti-camping” law will have a disproportionate impact on Black Angelenos, who make up nearly 45% of the city's unhoused residents. The Echo Park Trash Club gathers a few times a month to help keep LA streets clean. They also serve homeless encampments, where they've had to spend time building trust with residents.

I read this ordinance on https://codelibrary.amlegal.com and discuss its ramifications here. I reference the website https://www.lawinsider.com. --- Support this podcast: https://anchor.fm/freepressmediapressinc/support

Författaren om skrivande, läsande och kvinnorna i sitt liv. Anna-Karin Palm är författare och kulturskribent. Hennes biografi över Selma Lagerlöf, Jag vill sätta världen i rörelse, fick stor uppmärksamhet och nominerades till Augustpriset 2019.Hon debuterade 1991 med romanen Faunen och slog igenom med Målarens döttrar sex år senare. Förra våren gav Anna-Karin Palm ut Jag skriver över ditt ansikte som skildrar hennes relation till sin mamma som insjuknar i Alzheimers.Anna-Karin Palm om sitt Sommarprat: Jag kommer att tala om kvinnorna i mitt liv, om skrivande och läsande och om mina vänner bland de dödaProducent: Lena Tideström-SagströmVill du få poddar, nyheter och direktsänd radio på ett ställe, ladda ner appen Sveriges Radio Play via https://sverigesradio.se/artikel/sveriges-radio-play.

I had Mark Palm on to discuss the newest Supercrush EP, Melody Maker, which was released via Don Giovanni Records. (Theme song by Honor Nezzo)

Sports betting talk with Circa's Mike Palm, Cyclones talk with Dave Sprau & Claxon's Giveaway

On this episode Debbie talks to Ashley about her company Ash and Palm Co. Learn more about your ad choices. Visit megaphone.fm/adchoices

     Lieutenant Colonel Hugh L. Mills Jr. is a retired United States Army officer who served in the Vietnam War. In the United States Army, U.S. Marine Corps, U.S. Air Force and U.S. Space Force, lieutenant colonel is a field-grade officer rank, just above the rank of major and just below the rank of colonel. It is equivalent to the naval rank of commander in the other uniformed services. He flew over 2000 combat hours in the OH-6 and more than 1300 combat hours in the AH-1 in Vietnam. He was shot down 16 times, 15 times in the OH-6       In 1975 Bill received a Bachelor of Arts in aeronautical studies from Embry–Riddle Aeronautical University. After retiring from the Army in 1993 he co-wrote the book Low Level Hell about his experiences as a scout pilot in South Vietnam. Hugh worked for Cedar Fair for 15 years as director of general services. He also flew helicopters for the Kansas City Police Department. He later became Undersheriff with the Jackson County Missouri Sheriff's office. His decorations include the Silver Star, Legion of Merit, Distinguished Flying Cross, Bronze Star, Purple Heart, Air Medal, Gallantry Cross with Silver Star and Palm, Armed Forces Honor Medal First Class and the Civil Actions Medal First Class. In 2011 he was inducted into the Army Aviation Hall of Fame. In 2013 he was added to the Arkansas Walk of Fame. Hugh Mills was one of four children Hot Springs Arkansas and his next-door neighbor was Bill Clinton.  

Entrevista di Dia pa awe tabata cu ex-adicto Raul De Palm tocante rehabilitacion.

Dziś w Palmie rozmawiamy o legacy Billa Russella, o wizycie Billa w Katowicach, o tym co mu w życiu nie wychodziło i o celebrowaniu jego życia. Sprawdzamy sztab kryzysowy w Bostonie, czy Jaden Hardy to steal Mavericks, NBA na tropie bandy Daryla i zwycięstwo Angielek w finale euro na Wembley.Chesz czytać dalej?Poniżej znajdziesz trzy różne […]

Randy interviews Gary Kennemer of Perfect Palm.

Palm oil is an ingredient found in more than 50% of grocery store items, but in recent years, some companies have started labelling their products as 'palm oil free.' So what is palm oil, and is it actually bad? For more on that, we reached our food columnist, Jennifer Brady.

As broadcast July 28, 2022 with plenty of extra sauce to slather on.  Well, it's late July so we're having a barbecue to start the show tonight with some newer and older funky favorites, but maybe not the most familiar tracks if you're American.  Lots of African, UK, and French influences going on here with some Ethiopians, Russians, and Danes thrown into the jam for flavor.  For our second hour Dan Lloyd once again kicks down the studio door to rock out, with some amazing covers from St. Vincent and The Linda Lindas being big highlights, along with new tunes from Ozzy Osbourne, Dry Cleaning, Cigar, and many others to taste test on a record-setting 13 track throwdown from Gwangju's Rock Maestro.#feelthegravityTracklisting (Start):Part I (00:00)Tom Misch feat De La Soul – It Runs Through MeLabi Siffre – I Got The…William Onyeabor vs. Hot Chip – Atomic BombMr. Jukes feat BJ The Chicago Kid – Angels/Your Love Part II (31:31)Coubo – MyrrhGalimatias – BlowbackFKJ – Better Give U UpCrayon – After The Tone (Duñe remix)DJ Cam – Soulshine Mulatu Astatke & Black Jesus Experience – Mascaram Setaba Part III (60:23)Ozzy Osbourne – Degradation Rules ft Tony IommiPool Kids – Arm's LengthLinda Lindas – Tonite (The Go-Go's cover)St. Vincent – Piggy ft Dave Grohl (Nine Inch Nails cover)THICK – Tell MyselfDry Cleaning – Anna Calls From theArctic Part IV (92:38)Cigar – Legacy of the 7 PliesTeens in Trouble - DecomposingOsees – A Foul FormNo Trigger – No TattoosThe Garden – Orange County Punk Rock LegendBuilt to Spill - SpiderwebPalm – Feathers 

Join us as we chat about our latest escapades in the kitchen and whether or not we are washing produce correctly. It is quite possible that we're both disgusting. We also discuss some of Henny's latest impulse buys and wonder what Sandy will ever do with those Hearts of Palm that have been sitting in her cupboard forever. Finally, we debate the difference between a kebab and a skewer . . . it gets intense. **Show Notes** Book we mentioned: Yum & Yummer Cookbook

On this episode of the Cardboard Time Podcast, Arwen and Jamie discuss: What we've been playing: Burncycle, Forgotten Waters, Studies in Sorcery, In the Palm of Your Hand A preview of what we're looking forward to most at GenCon An interview with Jim Reed of Ravenwood Castle about the lifetime of the Malted Meeple Our social media: Website Instagram Twitter Facebook --- Send in a voice message: https://anchor.fm/cardboardtime/message

Alex Szapiro is a veteran when it comes to working with tech in Brazil. He was part of the early Submarino team and served as the country manager for Palm, Apple and Amazon, where he helped bring its operation to the country and stayed for over 8 years of incredible growth.In April 2021, he left Amazon for Softbank, where he's now Head of Brazil and an Operating Partner. And it's an intense time for that position too, because Softbank is investing heavily in Latin America and especially in Brazil: the Softbank LATAM fund began with US$ 5 billion in 2019 and added another US$ 3 billion to it two years later.Softbank is now investing in early stage, growth and digital transformation in the region and has many unicorns in its 60+ company portfolio, like Rappi, Quinto Andar, Gympass, Loft and MadeiraMadeira.Alex and I talk about:How startup investing has changed in Latin America over the years;The importance of talent management;How Softbank makes choices now while thinking in the (very) long term.Set up an international corporate structure accepted by international investors with Latitud Go.

This week I sat down with Georgia Gove to hear about the time she got diarrhea over a waterfall in China. Georgia runs a show at the Lincoln Lodge called 8 Bit. Follow her here: https://www.instagram.com/aprettypeach/ Our live story comes from Gina Palm who talked about throwing her first house party as a teenager and the mess that followed. Gina runs a roast show at the Lincoln Lodge called Toasted. Follow her on Instagram: https://www.instagram.com/ginapalm_/ The Ladylike Podcast is produced by Gena Gephart: https://www.instagram.com/genagephart Theme song is Type of Wound by Natalie Grace Alford: https://nataliegracealford1.bandcamp.com Follow Ladylike: https://www.facebook.com/ladylikechicago https://www.instagram.com/ladylikechicago https://twitter.com/ladylikechicago Contact us: ladylikechicago@gmail.com

You are designed to FLOURISH! But have you lost your hope? Feel weak? Scared of the future? In this BONUS Brave Devotional learn how God wants you to flourish like a palm tree, grow like a cedar in Lebanon, and plant yourself in the house of the Lord. "...the Godly shall flourish like palm trees, and grow tall as the cedars of Lebanon. For they are transplanted into the the Lord's own garden, and are under his personal care. Even in old age they will still produce fruit and be vital and green. This honors the Lord, and exhibits his faithful care. He is my shelter. There is nothing but goodness in him. Psalm 92:10-13 NLT[2:08] 1. When you're loosing your hope remember the palm tree. The Goldly shall flourish like palm trees Psalm 92:12 Ever seen one in the storm… high winds of a hurricaine… chaos around it… it still stands… oh it might bend… it might loose a few branches but once that wind is gone and the storm subsides… the palm tree stands right back up! Man made structures will crumble, but not the God made Palm tree. [8:10] 2. When you are feeling weak, remember the Cedars of LebanonThe cedar of Lebanon is a tree that can grow up to 120 feet tall (imagine a 10- to 12-story building). Its branches are wide-spreading, and go straight out horizontally 30 to 50 feet from the trunk. It was known in biblical areas as “the king of trees.” So it's really tall… and really wide…it's known as a symbol of power and longevity. [14:46] 3. When you feel scared of the future remember WHOSE YOU ARE“For they are transplanted into the Lord's own garden and are under his own personal care.” Psalm 92:13 God is willing to take you from that pit that you are in… where does he put you… not in the garden of judgement… he plants you in HIS BACKYARD… in his OWN GARDEN… and what does he do with you when he gets you there? Does he leave you to grow strong and malleable at the same time on your own… NO WAY… His word says YOU ARE UNDER HIS OWN PERSONAL CARE.[18:26] WHERE ARE YOU PLANTED RIGHT NOW?Rate Review and Follow on Apple Podcasts"So happy to find this podcast! I stumbled upon this podcast by way of a LinkedIn post this morning and had to become a subscriber. It's smart, uplifting and “real” … just what I needed to hear today (and in reality, pretty much any day)”CALL INTO THE SHOW! I'd love to hear how the show impacted you and play it on the next episode. Call or text me anytime at 530-4-AMANDAFree Brave Life Planner: https://mailchi.mp/amandacarroll/ndvmzjayitAmanda Carroll's Instagram: https://www.instagram.com/amandacarrollshow/BRAVE COACHING! 5 Weeks to Get Your Brave On Coaching sessions: https://www.getyourbraveon.info/challenge-page/4766f70b-4669-41c6-ad59-06905b82eb1bJoin the BRAVE BABE Exclusive Access Membership! Get daily prayers, devotions, and meditations to help you #GetYourBraveOn https://www.patreon.com/getyourbraveon?fan_landing=true&view_as=public

Philippe starts by sharing his favorite family destination, the little-known Rodrigues Island in the Indian Ocean. Part of Mauritius, Rodrigues is a rare find in today's world, a place that has truly preserved its historic culture, beautiful land- and seascapes, and laid-back island lifestyle. Next, Philippe talks about a decision he and his wife made when their two sons were young. They created a family policy by which each of the boys could choose a vacation destination anywhere in the world when they turned 10 and 20. The boys have both researched and selected their destinations in great detail, leading their parents so far on adventures through Vietnam, California, and Rwanda. Philippe believes that empowering his children in this way has led to greater engagement for them as well as better travel experiences for him and his wife. One common theme to Philippe's family trips is food. He believes the power of food is transcendental to cultures and that his children's education has benefitted from the many different flavors they've tasted around the world. The country that has stood out the most in terms of food is Japan, which, for many reasons, Philippe believes is one of the best destinations for families with teenagers. Regarding the age of children and how that informs travel decisions, Philippe sees the experience as a progression with stepping stones along the way. Younger kids especially need downtime, and there is a ceiling to the number of cultural experiences they can enjoy and absorb. For older children, Philippe suggests allowing them to pick the itinerary for an entire day during your trips. The Zuber's frequently do this on vacations, where each member of the family is responsible for one day's planning, budgeting, and scheduling. He says it has led to a bit of friendly competition and a host of new experiences that would never have come to fruition otherwise. It also allowed the family members who weren't in charge of the day's itinerary to truly relax during their off days. Philippe also dives into his family's life-changing experience in Rwanda, where One&Only operates two resorts, Gorilla's Nest and Nyungwe House. He then gives us the inside scoop on some of the company's other new resorts, from the spectacular Mandarina in Mexico—where Bruce interviewed him in person—to properties in Montenegro, Athens, Greece's Kéa Island, and Big Sky, Montana. Links: https://www.oneandonlyresorts.com/ Bruce's email: bruce@curtco.com Bruce's IG: @Brucewallintravel ----------------------------------- Learn more about the podcast: https://www.curtco.com/travelthatmatters Hosted by: Bruce Wallin Produced by: AJ Moseley Music by: Joey Salvia A CurtCo Media Production See omnystudio.com/listener for privacy information.

Jesus rides a donkey into Jerusalem to shouts of hosanna and the waving of palm branches. (Pastor Gene Pensiero)

Jesus rides a donkey into Jerusalem to shouts of hosanna and the waving of palm branches. (Pastor Gene Pensiero)

Circa Sports' Mike Palm on sports gambling, Hawkeye talk with Tom Kakert & Trent's Picks of the Day presented by Circa Sports

Circa Sports' Mike Palm on sports gambling, Hawkeye talk with Tom Kakert & Trent's Picks of the Day presented by Circa Sports

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Dr. Martin answers questions sent in by our listeners. Some of today's topics include: Cirrhosis of the liver Achilles tendonitis Macular degeneration Palm oil Elliptical trainers Food poisoning Progesterone creams Goat vs. cow milk Vitamin C High blood pressure and inflammation  

@interfacepalm

Welcome to the Whissel Way Podcast, where each week Kyle Whissel and Bryan Koci answer questions about real estate, agent tips, marketing strategies, and how to dominate your market with video.   This week Bryan welcomes on guest Nick Palm to discuss why it is important to build rapport with other agents or clients. And how building that rapport will help when coming to the negotiation table.   Bryan's Widget (Battery Turn Table): https://amzn.to/3cbqFJ1  Nick's Widget ( Notes App):

In this episode I talk about the current status of the Pac-12. John Canzano wrote another piece talking about ESPN's ability to save the Pac-12, if it deems the conference a worthy investment. Music:1,000,000 by Nine Inch Nails

Episode #48: Audio Issues Atlantis to Palm Cay Recorded: February 6, 2017 Location: Leaving Atlantis in Nassau, Bahamas & heading to Palm Cay Marina. Subject: Trying to fix audio issues to bring you our authentic adventures! From the creaking of the floorboards, to the lapping of the waves against the hull, to the roaring of … Continue reading "NMC048 Audio Issues Atlantis to Palm Cay" The post NMC048 Audio Issues Atlantis to Palm Cay appeared first on New Mexicast.

Do Sýrie si nekúpite letenku a ani ju neprejdete len tak s batohom na chrbte. Krajina, ktorá sa už viac ako desaťročie zmieta v občianskej vojne, sa napriek tomu snaží opatrne lákať aj turistov. Ide o organizované zájazdy cestovných kancelárií s lokálnymi partnermi. Tak sa do Sýrie dostal aj Janči Buday, ktorý zaradil poznávanie miest ako Damask, Aleppo či Palmýra medzi zájazdy svojej cestovky. Kým v hlavnom meste Sýrie vidieť stopy vojny len na okraji a rušné bazáre a mešity dopĺňajú atmosféru mesta, oveľa viac bolo cítiť vojnu v kedysi najväčšom meste Aleppo. Janči v najnovšej epizóde Všesvet podcastu prezradí, čo vlastne na výlet do Sýrie potrebujete, či má Asadov režim pod kontrolou celú krajinu a čo zostalo po odchode Islamského štátu z legendárnej Palmýry.  Pozrieme sa spolu aj na križiacky hrad Krak des Chevaliers, do Homsu či do obcí, kde stále ešte hovoria jazykom Ježiša Krista.  Budeme radi, ak nás v tvorbe podcastu podporíte na Patreone. Ak máte akékoľvek otázky, neváhajte nám napísať na vsesvetpodcast@gmail.com.

The two men — Luis Estrada, 19, and Carlos Santos, 34 — were caught moving $1.2 million worth of crystal meth in New York. However, a gap in the state's drug laws designates meth as a "controlled substance" but not a "narcotic." The Iranian government is preparing to send “several hundred” drones, including some equipped with weapons, to Russia at some point in July. On Monday, two dispensaries - The Artist Tree off Nees and Palm, and Embarc off Blackstone and Gettysburg - opened shop. Starbucks Corp. said Monday that it is closing 16 U.S. stores after workers reported incidents related to drug use and other disruptions in cafes. See omnystudio.com/listener for privacy information.

Muy pocas personas podían imaginarse cómo sería una computadora de mano, o lo que haría. Pero un trío de visionarios se anticipó y supo a dónde se dirigía la computación. Sin embargo, para lograr el éxito en este nuevo mundo, tendrían que diseñar todo desde el principio, sin aplicar los conocimientos convencionales sobre el hardware. Su creación, la PalmPilot, rompió los récords de ventas, le mostró al mundo todo lo que era posible y les enseñó a las personas que el valor de la tecnología estaba dando un giro, una vez más. Pero cuando estalló la burbuja tecnológica y los nuevos competidores ingresaron al mercado, el control de Palm sobre la industria de las computadoras de mano comenzó a desvanecerse.

  Todd Nepola is the president and founder of current capital management. They are full-service management, leasing, and development company in the commercial, retail and industrial markets. In today's episode, Todd shares how his company buys and leases properties in the commercial, retail, and industrial markets and tips on what questions to ask when you are in the field of Real Estate.Let's dive in! Highlights: [00:00 - 05:15] Opening Segment Todd's company owns and operates about two and a half million square feet of commercial space, primarily in the retail and industrial sectors. They are currently looking for opportunities to add value to their properties. In the last few years, there have been no deals available for purchase, so they have had to be more creative when looking at properties.   [05:16 - 10:23] Buying or Leasing Properties in Full  Todd shares that they always buy properties that already have a cash flow in place.  He also shares their experience buying two properties 2 months ago each building has 40,000 Square feet and bought them about 13 million combined located in Palm beach Tennants has already been there for 10-15 years and has been in lower rent over time Meanwhile, the market has already increased He shares that they plan to improve the properties  so when the lease goes up they can  Increase the rents. Todd gives that Retail spaces are no d different from multifamily space, the Bank is looking at the asset, and they are looking at the borrower to see if they have the ability to repay the loan. [10:24 - 15:15] Commercial Real Estate: The Wrong Questions to Ask The key to success in commercial real estate is to partner with credible, high-traffic businesses. Dollar general is a great example of this because they bring in a lot of customers who then drive other businesses in the area to success. It's important to be aware of inflation and make sure that any rent increases are limited to common area expenses. It's also important to be creative when negotiating leases, as cashing in on the traffic brought in by your partners can offset any inflationary risks. [15:16 - 17:30] Closing Segment Todd shares his upcoming book Reach out to Todd Links Below Final Words Tweetable Quotes “If someone just walks in on the street and wants to sign an apartment for lease other than a background check you did for 50 bucks, you really don't know that much. So I'm trying to persuade people to get more and more into commercial real estate. That's my goal.” - Todd Nepola  -   ----------------------------------------------------------------------------- Connect with Todd through Instagram  You may reach out through his office by calling 9549618181 Or visit their website at www.currentcapitalgroup.com Connect with me: Facebook LinkedIn   Like, subscribe, and leave us a review on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on.  Thank you for tuning in! Email me → sam@brickeninvestmentgroup.com     Want to read the full show notes of the episode? Check it out below: [00:00:00] Todd Nepola: So the only increases you're going to get are limited to how much your increases could be on your common area expenses. So if the real estate taxes can go up, you can't control that, but you must control the landscapers, the porters all that kind of stuff. And that's capped. Then every five years thereafter, it's a very small increase. Todd Nepola is the president and founder of current capital management. They are a full service management, leasing and development company in the commercial, retail and industrial markets. Todd, welcome to the show. Hey, Sam. Thanks very much for having me. Pleasure's mine. Todd, there are three questions. I ask every guest who comes on the show in 90 seconds or less. [00:00:46] Sam Wilson: Can you tell me, where did you start? Where are you now? And how did you get there?  [00:00:50] Todd Nepola: Okay, well, I started in Hollywood, Florida buying commercial properties. Where am I was second question. Where am I now? where'd you start?  [00:00:55] Sam Wilson: Where are you now? How'd you get there? Where  [00:00:57] Todd Nepola: am I? Now? Where're in a great position. [00:00:59] Todd Nepola: We own and operate about two and a half million square feet of commercial space, primarily in the retail and industrial sector. All of it located in the state of Florida on Eastern. And how did I get here? I got here from wanting to own cash flow, rich properties, wanting to have stuff that was stable and keep me going forever. [00:01:15] Sam Wilson: That is really, really interesting. So you own all commercial real estate. Has that always been your focus? I mean, the first piece of real estate you ever bought was a commercial asset.  [00:01:24] Todd Nepola: That's actually correct. The first piece of property I bought before I even bought a house was a commercial  [00:01:28] Track 1: warehouse. [00:01:29] Sam Wilson: How did that happen? I mean, most people don't do that. That's that's pretty courageous. How, tell us quickly how you got into that Well,  [00:01:36] Todd Nepola: I'll tell you at that time, I was 25 years old and I was a stock broker doing some investment banking deals. And I recognized that even though I was making great commissions, cuz the nineties were great years to be in that business. [00:01:46] Todd Nepola: Right. I had to go to work every day. And if I took a couple of days off, I got paid zero. So I started looking for any opportunity I could to get into cash flow, positive businesses. So I looked online and I looked not even online. I looked the newspapers isn't on the, on TV back then. Everything was from selling ATM machines to you name it. [00:02:04] Todd Nepola: But the one I kept on going back to was real estate because it paid rent every month. So in the 1990s, this was 19 98, 19 97. It was easy to buy commercial real estate. In fact, nobody wanted it. It was the other, it was the other ugly duckling back then. And I would drive by this property all the time and it really had a for sale sign and nobody called and it was a foreclosed warehouse, 13,000. [00:02:26] Todd Nepola: And I called it was owned by a bank outta Canada. We worked out a deal. Nobody else has seemed to want it. And I purchased that building and I was 25 years old that put every single penny I had into it. Everybody told me I was crazy and was gonna lose my money. And I still own that building today. And I'm glad I bought it. [00:02:42] Sam Wilson: I'm sure you do. I'm sure you do. Yeah. Tell me what is the focus for you guys, you know, from that point, you know, until now, what do you, what do you focus on specifically right now?  [00:02:53] Todd Nepola: Well, what we've always focused on is looking for value, add deals. And I'm not one of these guys that says I have to find an extreme opportunity when I buy. [00:03:00] Todd Nepola: I'm not looking for a discounted property. I'm looking for properties that have future upside. So either I want to get in the way of progress, whether it's either a load road widening or they're building a hospital or something nearby, or a new school, something that's gonna add value, or I believe I could reten the property over time. [00:03:16] Todd Nepola: So one of those two things now I pay up for properties as long as I believe it has that future potential. But of course, if you can find a deal, that's great. In the last few years, there are no deals. So you have to be a little more  [00:03:26] Sam Wilson: creative. What are you doing when you, when you look at a property and you say, okay, Hey, I think we can value add, or do you know, implement our value, add strategy. [00:03:36] Sam Wilson: What are you looking at when you see? I mean, cause I think we talked about this you know, affair that you guys are buying B and C class retail assets. What does value add even mean first off in that space? And then how do, how do you identify those properties?  [00:03:49] Todd Nepola: What we look for most is always where the upside could be. [00:03:52] Todd Nepola: So I never wanna say a property necessarily was mismanaged before we got there, cuz that's not always the case. I just wanna say it wasn't carefully paid attention to so we've had opportunities whereby we bought properties and we were able to add a few parking spaces on the side of the back and put additions on the building or add out parcels. [00:04:10] Todd Nepola: We almost always go and looking for buildings from, you know, the eighties and nineties that just need a little face. Not necessarily a complete renovation, but maybe take down some of the old tile stuff that was popular in the eighties and put up some new modern marble in stone, little upgrades like that change out old lighting, put in L E D lighting. [00:04:26] Todd Nepola: So those are the kind of value add adjustments we're looking for. So we're essentially looking at the brand new shopping centers and trying to copy those with our 19 80, 19 90, even 2000 centers and bring 'em up to date as best we can.  [00:04:39] Sam Wilson: That is really, yeah, that that's really cool. What is, when you classify a, B and C center, identify. [00:04:45] Sam Wilson: Identify that versus, or clarify that versus what maybe even a class, you know, retail center may be.  [00:04:51] Todd Nepola: Sure. Great question. When people class centers as B, C, or even D sometimes what they're basically doing is giving it a grade, so to speak. So you think of your class, a center, think of your brand new shopping center that was built in a last, I don't know, three to five years, maybe seven. [00:05:06] Todd Nepola: Where the local grocer is there the big name in our town, it's Publix and is followed by like, you know, the orange theory gym in Chipotle and Starbucks and everything is just perfect and brand new. That's a class, a center. We don't go into that market because a class, a center, the money's made by the developer and they generally sold off to an institution or someone just looking for a yield there's virtually no upside in that deal for us because it's perfect. [00:05:29] Todd Nepola: It's got the best tenants. The highest Renton is brand. We go into the centers that were class a, maybe 20, 30 years ago. And we try and spruce them back up and bring 'em to like a high B. So we're not gonna get the best in class grocer anymore. We're gonna get dollar general who wants a cheaper rank. [00:05:45] Todd Nepola: We're not gonna get, you know, the hugest names in certain markets say like, you know, in some of, 'em say Chipotle Starbucks in Wells Fargo, side by side. We may get a few more mom and pops mixed into the equation, but these are the centers that, you know, the local people need to go to. It's your chiropractor, it's your dentist, it's your gym. [00:06:01] Todd Nepola: It, you know, it's your, your tax office. It's those kind of uses. So we're just a, a notch below class, a.  [00:06:08] Sam Wilson: When you see a building, you know, you say that has opportunity to add value to it. And it sounds like a lot of what you're talking about was more the cosmetic side of it. How do you know when you have made the building look a lot better, be more presentable for potential tenants? [00:06:23] Sam Wilson: How do you know that you're able to fill it?  [00:06:24] Todd Nepola: Well, generally speaking, the properties we buy, a lot of them are pretty full. So we always buy 'em with cash flow in place. I don't like, did you buy vacant buildings unless it's a single tenant use and maybe like a owner user moved out, so there'll be tenants in place. [00:06:36] Todd Nepola: So the first thing we're looking for is are the rents compatible to the market. So I'll give you an example. We just bought two properties about a month ago, and it was from the same seller who owned them for about 14, 15 years now they were a hundred percent prise. Each building was approximately 40,000 square feet. [00:06:53] Todd Nepola: And we bought 'em both for about 13 million combined. The issue was that the rents were substantially lower than the market because he's had tenants there for 15 years, 12 years, 10 years and so on. So these tenants have baked in lower rents over time whereby the market. This is in Palm beach. The market has increased so much. [00:07:12] Todd Nepola: There's almost an arbitrage play here. If the market comes down, these rents are still cheap. And if the market stays the same, I have a lot of upset, but what I can't do is just walk in and say to these tenants that are great tenants and great business owners, guess what? I'm here. I'm gonna raise your rent. [00:07:27] Todd Nepola: Well, I can, but I wouldn't do that. Right. So the flip side is we'll go in, we'll put a lot of capital improvements in the building, make it really nice. And then when the leases up, move the rents, move the needle. We still wanna keep 'em below market, but we wanna just, you know, we wanna appreciate our, you know, spending dollars too.. [00:07:43] Sam Wilson: What is it? When, when you look at these assets, what, what is a cash on cash return for you or for your investors? I don't know if you raise money or not, but what is a cash on cash return that you say, Hey, this is, this is kind of the, the, the minimum for us. When we look at a  [00:07:59] Todd Nepola: deal, you know, that goes case by case because sometimes we buy properties that we have to redevelop and need a lot of work. [00:08:05] Todd Nepola: So it'll be a longer time horizon. And sometimes we go in rather than get, go, generally speaking, when interest rates so low, as they've been in the last, you know, two years, we've been able to get cash on cash around 13 to 15%. So we've been doing pretty well in cash, on cash. Wow. We have now been appreciating three and a quarter three and a half, 3 75 interest rates deals right now that I'm looking to do alone right now. [00:08:29] Todd Nepola: What was six weeks ago? And the threes is now almost 5%. So now we need to see a pivot in either the pricing of the properties or something's gotta give because you gotta make up for those numbers,  [00:08:39] Sam Wilson: right? Yeah. You certainly do. And I guess that brings up, brings up an interesting question is, you know, what, if someone were looking at this asset class and wanted, wanted to scale into it, what is, what does financing look like in the retail space? [00:08:51] Sam Wilson: You know, I think we have a pretty good understanding of what maybe it looks like in, in, in multifamily and things like that. But this is a, this is a unique asset class. So what, what is the financing or what does the financing look like [00:09:00] Todd Nepola: you know, people ask me that question lot. It's a very good question. I tell 'em that it's no different than buying a multifamily profit or anything else. [00:09:07] Todd Nepola: The bank is looking at the asset and they're looking at the borrower to see if they have the ability to repay the loan. And if they're good borrowers, but ultimately the most valuable part of the equation is always who are your tenants now? Unlike multifamily, where most of the tenants and multifamily are one year leases, some even less. [00:09:23] Todd Nepola: In my properties. I have some tenants like I have, we just did a lease with dollar general. They have 40 years of lease. They have a 10 year deal with options for 40 years. So the bank is more concerned with dollar general than me per se, but they still wanna see if I'm a good borrow and a good boy, and I'm gonna behave and pay my bills. [00:09:40] Todd Nepola: So you need a track record there. That ends some money down, you know, the days of coming up with these properties with 10 or 15% of 20% down, that's gone, you gotta get into the mindset that realistically you need about 30% down to buy these kinda properties and have comfort from  [00:09:54] Sam Wilson: the bank. Right? Right. [00:09:55] Sam Wilson: Absolutely. Let's talk about that for a second. This is a question of not really been able to personally answer if you're, if you're signing a 40 year lease with dollar general. How often, let me ask the fir first part of this question is how often does that lease? Have rent increases built in .  [00:10:12] Todd Nepola: This is the part nobody likes to hear. [00:10:14] Todd Nepola: Cause it's the truth. When you do a deal like that dollar general family dollar, those guys, for example, there's such good credit tenants that they really control your property and they control the lease. So what they generally do is they'll give you a 10 year lease and most times it's fixed for the full 10 years. [00:10:29] Todd Nepola: Wow. So the only increases you're going to get are limited to how much your increases could be on your common area expenses. So if the real estate taxes can go up, you can't control that, but you must control the landscapers, the porters, you know, all that kind of stuff. And that's capped. Then every five years thereafter, it's a very small increase. [00:10:48] Todd Nepola: So. We just did one, for example, where it's 10%, every 10, every five years, but that's not even 2% a year when you base it off because they do it after five years. Right. So it's fixed. So they have a great deal, right? The core with them is that you wanna bring those guys in and they drive a lot of traffic. [00:11:05] Todd Nepola: And they had a lot of credibility. So it's easy when you have dollar general, who brings in say three, 400 customers a day, sometimes more to bring in the nail salon, to sell store and get the rents out of those guys.  [00:11:15] Sam Wilson: Got it. Now that that's a unique strategy, cuz that was my question is how are you offsetting the inflation risk? [00:11:21] Sam Wilson: I mean, that's something that's a very real problem. I think you run into with a 10 year. Hold before you get any, any rent increases whatsoever is you're eating that inflation, whatever that is for the next 10 years. But I think you just answered it by creatively saying, look, we use them as the anchor. [00:11:36] Sam Wilson: Maybe, maybe, maybe even they are your lost and then hopefully not, but you're lost leader in its own, right. Where it's like, okay, well maybe we don't make much on dollar general, but, but we'll capitalize on everything they bring in and , make up the difference on all the other tenants in the.  [00:11:50] Todd Nepola: You know, you you're a hundred percent. [00:11:51] Todd Nepola: Right. And that's exactly how we view these guys. Just like the grocery or the pig box Walmart or whatever you want it to be. They're just driving the traffic and you make it up on the sides. With what you just said. Thing that I keep getting asked is have a lot of friends that have professional careers, whether they're accountants or dentists, whatever they may be. [00:12:07] Todd Nepola: And these guys got so caught up in buying triple net properties, but single free-standing ones. Right? So I have friends who bought Wawa, gas stations and Starbucks, single Fran. And they were buying these things at four, four and a half cap rates. And they thought they were so smart because they had cash in the last few years. [00:12:23] Todd Nepola: And I'm trying to explain to them that this is really a horrible investment going. CPI eight and a half percent. Your asset's depreciating. And guess what? You don't even enjoy a rent increase for 4, 5, 6, 7 more years. Right? So I think you're gonna see a big change there. When people start to figure out that they didn't just buy a bad deal of 4%, that they're really falling far behind in the next few years. [00:12:45] Todd Nepola: It's dangerous,  [00:12:46] Sam Wilson: certainly is certainly is. And it'll be interesting to see how those assets either reprice or how those leases are then renegotiated when they come up for renewal. So that's very, very intriguing. You're writing a book right now. And I think one of the things you told me off air was that everybody's asking the wrong questions. [00:13:05] Sam Wilson: So as opposed to telling us what the wrong questions are, can you give us a sneak preview on what you see? Some of the right questions are as it pertains to commercial real estate and what it is you're doing. And then tell us a little bit about, a little bit about the book.  [00:13:16] Todd Nepola: Sure. So the name of the book is called keeping it real on commercial real estate. [00:13:20] Todd Nepola: And I never wanna say people ask me the wrong questions. Maybe I should be careful with that word wrong. I feel like they come up and ask questions, but like, there's better questions they could ask. And I never wanna insult anybody of be rude and say, wait a second, don't ask that, ask this. So I decided to put a book together and to show that I was being authentic to the readers and I wasn't trying to do something for myself. [00:13:38] Todd Nepola: I said, I will give a hundred percent of the proceeds to charity, but I really wanna write a book because I want everybody involved in commercial real estate or even multi-family real estate like you do, because that's why the purpose of the podcast. Right. I wanna see people come up and do this. I've been doing this now for 25 years and I love it. [00:13:54] Todd Nepola: The issue, I think people get caught up in commercial real estate is for some reason they think owning multifamily is just easy because they figured out how to buy a condo or a house, but they think getting into commercials harder. Right. And I'm trying to sway that, thinking that in fact commercials easy because I'm getting to deal professional business people day to day that have to make business decisions. [00:14:14] Todd Nepola: It's not really personal emotional. So if I had a, a 10 unit or a 50 unit or whatever, it would be apartment. I have to deal. People have personal decisions. Maybe someone lost a job. Maybe someone lost a family member. Maybe someone is sick. That's very challenging to me to have to deal with these obstacles. [00:14:30] Todd Nepola: If I have a tenant who says their business is bad and they can't pay their rent, I just need to let 'em out of their lease and move on with their life. But. In the other states situation when residential it's tougher. So the main thing I'm trying to instill to people is that commercial real estate's very accessible. [00:14:45] Todd Nepola: You could get in the same way as residential and to not be overwhelmed by those leases. Like with dollar general, because the truth is just about everybody say knows who dollar general or family dollars. We all know who Starbucks is. So writing a lease with them is pretty simple because we know who they are, you know? [00:15:01] Todd Nepola: Mary. If someone just walks in on the street and wants to sign an apartment for lease other than a background check you did for 50 bucks, you really don't know that much. So I'm trying to persuade people to get more and more into commercial real estate. That's my goal. I  [00:15:14] Sam Wilson: love it. I love it. And one more time, what, what was the end of the title of that book? [00:15:17] Sam Wilson: The  [00:15:18] Todd Nepola: name of the book is called keeping it real on commercial real estate by Todd. Napole  [00:15:21] Sam Wilson: awesome. Looking forward to that coming out. And I think think you said it'd come out here in the next 60 days or so we're gonna bring out the end of the summer. That is awesome. Todd, I've enjoyed learning about your business and how it is that you guys look at retail strip centers. [00:15:36] Sam Wilson: What you guys are investing in, how you guys are finding upside, protecting your downsides and just how it is that you guys are finding opportunity and making it happen here in commercial real estate. Thank you for writing the book. Last question for you. Is there a charity that you've picked out that you said, Hey, all the proceeds are going to, or is it getting spread across several charities? [00:15:54] Sam Wilson: What's your thoughts  [00:15:55] Todd Nepola: on. Well, the main charity I'm involved in that this book is the bulk of the proceeds will go to is called crew network. And crew is set up for minorities and women to get involved in commercial real estate. And they're all throughout the us. I think they've been around for 35 years and it's got some very, very powerful people behind it that are spearheading this. [00:16:13] Todd Nepola: You know, campaign so to speak. And I kind of went there because I have two teenage daughters now that are 16 and 17 years old. And I said, there's such a small amount of women in commercial real estate. How could there be more? And there's nothing for me to reinvent crews already done that. There's so few minorities in commercial real estate crews already done that. [00:16:33] Todd Nepola: So I wanna partner with that organization, which is fantastic and send the proceeds there, let them keep doing their job  [00:16:39] Sam Wilson: and I'll do. Love it. Absolutely love it. Todd, if our listeners wanna get in touch with you or learn more about you, what is the best way to do that?  [00:16:45] Todd Nepola: We have our website for current capital is current capital group.com. [00:16:49] Todd Nepola: My Instagram is life according to Todd. And if you wanna reach me and ask me a question, my office number is 9 5 4 9 6 6 81 81. I'm always happy to help anybody get you over the hurdle to buy your first.  [00:17:00] Sam Wilson: Todd. I love it. Thank you for sharing today. Certainly appreciate it. And yeah, we'll make sure we put all of the information there in the show notes. [00:17:07] Sam Wilson: Have a great rest of your day and thank you again for coming on.  [00:17:09] Todd Nepola: Thanks so much, Sam. Have I appreciated this?   

As humans increasingly dominate the landscape through building homes, farms, highways, etc, the territories of wildlife are getting smaller and smaller. Animals are finding themselves in what are now our backyards as they are trying to satisfy their own needs for food, shelter, water, and finding mates. Elephants in Malaysia are no exception. Dr. Nurzhafarina Othman is a Bornean Elephant researcher and founder of the organization Seratu Aatai whose mission is to create a society that is willing and capable of protecting and coexisting with elephants and other wildlife. We talk about how teaching people about wildlife's behavior has helped increase tolerance of their presence, what has helped her the most in protecting the animals, and her thoughts on the palm oil industry (they might surprise you!).HighlightsWhy human-to-human conflict may be the bigger issue compared to human-wildlife conflict?The importance of understanding animal behavior where you live.How the palm oil industry can be an asset.What YOU Can DoAwareness is important! Learn more about the Malaysian elephants and share that knowledge with those you know.Palm oil is found everywhere, from the daily soap you use to the delicious Nutella you spread on your toast. Seek out the products that use certified palm oil. This creates a demand that the companies can hear loud and clear.When visiting Malaysia, choose responsible tours that let you view wild elephants at a distance. Getting too close can change their behavior which can be dangerous for both you and them.Create a wildlife neighborhood watch team. Learn about the wildlife in your area and share resources with your neighbors to develop a communal sense of pride and acceptance of the other beings that share your space.Support the work being done by researchers like Dr. Farina.ResourcesSeratu Aatai FacebookInstagramTwitter Want a free guide to help you become a force for nature? Get it at https://forcesfornature.com/becoming-a-force-for-nature-free-guide/If you enjoyed this episode, be sure to subscribe, rate and review! This helps to boost its visibility.Hit me up on Instagram and Facebook and let me know what actions you have been taking. Adopting just one habit can be a game-changer because imagine if a billion people also adopted that!What difference for the world are you going to make today?Check out the new The Healthy Seas Podcast on your favorite podcasting app and meet those doing all they can to ensure our oceans and seas thrive!

In this episode we are joined by Bob Walker. Bob was an infantry officer during the Vietnam War with an incredible story and experience. Bob served as a platoon leader with the 9th Infantry Division, conducting air assaults and raids similar to how Ranger Regiment is used today. His military awards include: Distinguished Service Cross, Silver Star Medal (3rd Award), Distinguished Flying Cross, Soldier's Medal, Bronze Star Medal with "V" Device, Bronze Star Medal (4th Award), Air Medal with "V'' Device, Air Medal (6th Award), Army Commendation Medal with "V" Device, Army Commendation Medal (5th Award), Vietnam Cross of Gallantry with Silver Star, Vietnam Cross of Gallantry with Palm, Vietnam Civil Actions Honor Medal, Army Overseas Ribbon (2nd Award), National Defense Service Medal, Vietnam Service Medal, and Republic of Vietnam Campaign Medal, Combat Infantryman Badge, and Ranger tab. Bob was inducted into the Officer Candidate School Hall of Fame in 2020. Support the show and become a War Stories patron: https://www.patreon.com/warstoriespodcast Website: https://www.warstories.co

Palm 40 He lifted me out of the pit of despair Here at DCC, we do a daily devotional and prayer Monday-Friday live on our Facebook page. To support this ministry and help us continue to reach people around the world click here: https://secure.subsplash.com/ui/acces... Empowering a movement of passionate Jesus-followers... This is the vision of Downtown Christian Church (DCC) based in Grand Rapids, MI —— Stay Connected Prayer: Prayer@dccgr.org Website: www.achurchinthecity.org DCC Facebook: https://www.facebook.com/DowntownChri... DCC Instagram: https://www.instagram.com/dccgr/ DCC YouTube: https://www.youtube.com/downtownchris... Apple Podcasts: https://apple.co/3fzURfq Spotify: https://spoti.fi/3A7VmGQ

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Palm Springs is a 2020 romantic comedy directed by Max Barbakow… This is the story of Nyles, played by Andy Samberg, we meet Nyles and his girlfriend Misty played by Meredith Hagner at a WEDDING, in Palm Springs. It's the wedding of Tala (Camilla Mendes) and Abe (Tyler Hoechlin). We quickly learn that Nyles is maybe depressed, a little apathetic about life, and moreover, the common theme for NYLES, is that every day is exactly like the last day, and tomorrow, will be exactly like today… and we go through the day, AND NIGHT, of this wedding through the point of view OF Nyles.. And ultimately we realize that for NYLES, that concept… is the truth, the date is November 9th 2019 and Nyles is STUCK in a TIMELOOP, nobody else remembers that the day has repeated, JUST NYLES, who is stuck, in Palm Springs retracing the steps of this wedding every day… Until someone joins him… sister of the bride Sarah Wilder, played by Christin Milioti… See omnystudio.com/listener for privacy information. See omnystudio.com/listener for privacy information.

Was für Musik macht eine Musikerin, die a) in Glastonbury geboren wurde, b) in Sao Paulo ihre Kindheit verbracht hat, und anschliessend c) mehrere Jahre lang in der Garage-Rockband Goat Girl Bass gespielt hat. Na, verschrobene Folk-Musik, die an die britische Tradition der 60er-Jahre anknüpft. Logisch, oder? Trotzdem ist es eigentlich unmöglich, das Solo-Debütalbum von Naima Bock aus dem Südosten von London, auf welchem man – natürlich – auch ein Bossa Nova-Cover findet, in eine einzige Schublade zu zwängen. Da brauchts mindestens einen ganze Kommode. Und genau darum ist «Giant Palm» unser Album der Woche. Gewinnt es auf CD – jeden Abend nur bei Sounds! auf SRF 3.

✨ SUBSCRIBE TO THE OVERPRICED JPEGS CHANNEL ✨ https://bankless.cc/jpegs  On this episode of Overpriced JPEGs, Jon Rogers is back to add and finish what he started in last week's recap! Jon and Carly dive into this week's hottest updates which include: two massive announcements out of Feature and Solana, two major acquisitions made by eBay and Uniswap, and other interesting news coming out of HyperMint, Doodles, and Palm. This is another Jon Rogers classic! In Part 3, Carly and Jon will break down the wild Yuga Labs and Ryder Ripps lawsuit. Check it out here: https://youtu.be/OLOhqkDW1Pk  Also, in case you missed Part 1, you can find it here: https://youtu.be/kEgubVmPjC0  ------

Mike Palm from Circa Sports on Conference Realignment, & new gambling laws in Iowa, Chris Williams with the Big 12 Realignment perspective & Claxon's Giveaway

On the podcast this week, we're joined by Layne Palm! Layne is a weightlifter and chiropractor. Layne was getting ready to compete at Nationals next week for a chance to make a world team. On a PR attempt, he suffered a really bad elbow injury in training. The type of injury that could've potentially ended his career. After giving himself a day to feel bad about, Layne switched his focus on what he can do. Two days later, he was back to squatting, dragging sleds, and making a new plan for future competitions. Layne and I also talked stoicism, why taking anti-inflamatories can be damaging, his future goals in weightlifting, and much more! Layne's Instagram Pod Instagram