Podcasts about provisions

Provisions of 22 new laws will go into effect in the new year. We got the breakdown about House Bill 8002 and what it means for 2026 from News 8's political reporter, Mike Cerulli.

God's promises are not just words—they're provisions, plans, and blessings beyond what we could imagine. In this powerful sermon on Deuteronomy 6:10-11, Pastor Chad Roberts unpacks how God gives us homes we didn't build, wells we didn't dig, and vineyards we didn't plant. It's a reminder that when we walk in obedience, God's abundance meets us right where we are. To support this ministry financially, visit: https://www.oneplace.com/donate/1388/29?v=20251111

Al, Gemini and Happy Hour Vegas' Andrew Morgan are together in the Arts District for the final episode of 2025, coming to you from Bjork Caviar on Main Street. Owner Christian Sandefeldt shares all of the basics on sturgeon roe, so you'll be comfortable making the indulgent treat part of your New Year's celebration. We also have restaurant reports from Amador Cocina Fina, Le Club by Partage and Butcher & Thief as well as interviews with Ellie Parker of Main St. Provisions, Keith Glynn of Nacho Daddy and Gabby Goodman of How Ya Dough In.    

God's promises are not just words—they're provisions, plans, and blessings beyond what we could imagine. In this powerful sermon on Deuteronomy 6:10-11, Pastor Chad Roberts unpacks how God gives us homes we didn't build, wells we didn't dig, and vineyards we didn't plant. It's a reminder that when we walk in obedience, God's abundance meets us right where we are. To support this ministry financially, visit: https://www.oneplace.com/donate/1388/29?v=20251111

Friday - When Our Provisions Fall Short, pt. 5 by Emmanuel Baptist Church, San Jose, CA

Thursday - When Our Provisions Fall Short, pt. 4 by Emmanuel Baptist Church, San Jose, CA

Unpopular Opinions From an Estate Planning Attorney #42: Crazy Trust Provisions Aren't Effective

Wednesday - When Our Provisions Fall Short, pt. 3 by Emmanuel Baptist Church, San Jose, CA

Tuesday - When Our Provisions Fall Short, pt. 2 by Emmanuel Baptist Church, San Jose, CA

Monday - When Our Provisions Fall Short, pt. 1 by Emmanuel Baptist Church, San Jose, CA

In episode #339 of SaaS Metrics School, Ben explains how change of control provisions in customer contracts can quietly derail due diligence, fundraising, or a future company exit. Drawing from real-world CFO experience and a recent webinar with a SaaS-focused tech attorney, Ben breaks down why seemingly standard legal language can introduce major risk into a SaaS company's recurring revenue profile. Ben highlights how buyers and investors scrutinize customer contracts during due diligence—and why poorly structured MSAs can threaten valuation, increase churn risk, or even kill a deal outright. What You'll Learn What a change of control provision is and why it matters How customer contracts are reviewed during SaaS due diligence Why change of control clauses can open the door to customer churn after an acquisition How procurement teams and customer legal teams typically push for these provisions When to push back, escalate, or seek alternative contract language Why contract structure is part of strong SaaS financial and operational readiness Why It Matters Customer contracts directly impact company valuation during an exit or fundraise Change of control provisions can trigger immediate churn risk post-acquisition Buyers want confidence in the durability of recurring revenue Poor legal hygiene can delay, discount, or kill a transaction Proactive contract review reduces future due diligence friction Strong back-office processes support long-term financial strategy and investor trust Resources Mentioned Webinar replay with Omid (tech attorney) on legal readiness for SaaS exits: https://www.thesaasacademy.com/pl/2148384654 SaaS Metrics course: https://www.thesaasacademy.com/the-saas-metrics-foundation

Steven Callahan survived seventy-six days in the Atlantic Ocean after his sailboat sank. He managed to escape on a life raft, surviving in the open water on fish that he speared, some rainwater, and the basic equipment he managed to salvage from his boat. Seventeen-year-old Juliane Koepcke was the sole survivor of a plane crash in an Amazon rainforest. She trekked the jungle for eleven days, dealing with wild animals, insects, and hunger. Both people understood the desperation of survival when provisions fell short. It takes a certain kind of person with strong instincts and a relentless will to live to survive the elements in solitude and uncertainty. Those with less tenacity would surrender to certain destruction, but these two kept struggling, clinging to the hope that they would persevere. Steven Callahan survived seventy-six days in the Atlantic Ocean after his sailboat sank. He managed to escape on a life raft, surviving in the open water on fish that he speared, some rainwater, and the basic equipment he managed to salvage from his boat.” Rewind a few thousand years and you'll find an obscure prophet of God living through threats, a divine drought, and devastating circumstances. This prophet burst onto the Bible scene as quickly as he departed on a chariot of fire. His name, Elijah, wouldn't be obscure for long. This first chapter of his story gives us a glimpse of how we can trust God when provisions fall short. The post LIMITED RESOURCES, LIMITLESS GOD: When Your Provisions Fall Short (YOU-Win’26, Study S1, Session 4) appeared first on YOU.

Fifty years ago, through Operation Babylift, LeAnn Thieman was asked to help escort 300 orphaned babies caught in the crossfire of the Vietnam War into the arms of loving families in the United States. This remarkable endeavor changed her life and inspired a later prolific career of writing bestselling books for the Chicken Soup series, as well as a successful speaking career. LeAnn is a wife, mom, nurse, and New York Times bestselling author and shares about the importance of listening to God's divine guidance in our lives. She describes what it was like to answer the Lord's calling and take a leap of faith that resulted in the rescue of hundreds of sweet babies who were orphans. She also discusses the importance of forgiveness and faith, and how these two concepts are inextricably tied together.TAKEAWAYSRefusing to forgive can take a physical toll on the body and keep us in bondageWe have to care for our minds, bodies, and soulsTake time to be still and listen to God's voice speaking into your lifeLeAnn has co-authored 14 Chicken Soup titles

In this Tech Talks episode, Mayer Brown partners Ana Bruder, Julian Dibbell, Gabriela Kennedy, Arsen Kourinian, and Oliver Yaros put four AI regimes head to head: the European Union's risk based Act, the United Kingdom's light touch approach, Asia's mixed models, and the United States' state by state patchwork. Their contracting playbook: lock down roles and risk, and go beyond "comply with law" to require risk management, human oversight, transparency, and data use limits. Our hosts close out by looking ahead to 2026 to see how these regimes diverge further. Show Notes:  00:04 Introductions to Artificial Intelligence Provisions in Technology Contracting 02:52 EU AI Act: Roles, Risk Tiers, and Contract Implications 04:05 UK's Pro Innovation, Light Touch Framework 07:50 Asia Snapshot: China's GenAI Rules vs. Soft Touch Regimes 10:58 U.S. Patchwork: State Laws, High Risk Use Cases, and Contracts 14:41 Negotiating AI Contracts Amid a Shifting Global Regulatory Landscape 18:44 Practical Best Practices for AI Contracting 24:50 Beyond "comply with law": Standards, Data Use, and Future Proofing 27:25 2026 Looking Ahead: Global Regulatory Trajectories

The bipartisan package that ended the shutdown includes measures to upgrade legislative operations, from a Data Map for AI readiness to Case Compass for smarter constituent service. Danielle Stewart of POPVOX Foundation explains how these changes tackle Congress's “pacing problem” and what comes next.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Portugal's Constitutional Court strikes down four nationality law provisions while upholding ten-year citizenship timeline.View the full article here.Subscribe to the IMI Daily newsletter here. 

Date of First Use: December 28, 2025 Title: When Your Provisions Fall Short  The Point: God provides what you need when you need it. Life Connection: We live in an instantaneous world. Microwaves quickly heat up ready-to-eat meals. TV offers us video on demand. Online shopping expedites the shopping experiences and offers us home delivery, often on the same day. Consequently, we can become frustrated or impatient when things aren't available the second we want them. God does not work on our timetable, but He provides what we need when we need it.  Session Passage: 1 Kings 17:5-16 

The class session was a detailed Bible study on **Deuteronomy 22–25**, framed within a broader overview of the book's structure and purpose. *** The teacher began by reviewing the **three major addresses of Moses** in Deuteronomy: 1. **Chapters 1–4** – a review of Israel's wilderness journey and lessons learned. 2. **Chapters 4–28** – the main body of laws and covenant stipulations (the current focus). 3. **Chapters 29–34** – covenant renewal, the commissioning of Joshua, and the Song of Moses. The teacher explained that **Deuteronomy mirrors the form of ancient suzerain-vassal treaties**—including a preamble, historical prologue, general and specific stipulations, blessings and curses, and witnesses—arguing this supports Mosaic authorship and historical authenticity. He then summarized chapters 22–25, highlighting numerous **civil, moral, and ceremonial regulations**, such as: - Responsibility to help recover a neighbor's lost property. - Prohibitions on cross-dressing and mixing seeds, animals, or fabrics. - Rules about marital faithfulness, sexual conduct, and punishments for adultery. - Commandments regarding fair treatment of debtors, the poor, and foreigners. - Ethical practices for labor, honesty in business, and justice in the courts. - Provisions for widows (levirate marriage), gleaning for the poor, and humane treatment of animals. These were presented as evidence of **God's comprehensive concern** for justice, purity, mercy, and community well-being. After reading through these laws, the teacher turned to **theological reflection**, emphasizing: - **The Mosaic Law was temporary**, meant for Israel under the old covenant. - **The new covenant in Christ** replaces it, written on believers' hearts (Jeremiah 31). - Christians are no longer “under the law” but under grace (Galatians 3, Hebrews 9). - Yet the laws remain **profitable** because they reveal God's character and priorities—especially His holiness, fairness, and covenant faithfulness. He urged the class to see that, like ancient Israel, **Christians represent God to the world**, and their obedience and relationships should display His character publicly. He contrasted this biblical communal focus with modern “individualistic, easy-believism,” quoting an author who argued that Sinai teaches believers to live as God's representatives in daily life, not just to secure an afterlife. Class discussion reflected on how **purging evil** served as communal protection and how God still desires involvement in the details of believers' lives. The session closed with a prayer thanking God for His detailed care, asking for sensitivity to His guidance, and reaffirming a desire to live as examples of holiness in Christ.

Today's guest is Robin Gentry McGee, founder of Essential Provisions. Robin's story is part kitchen, part battlefield – not one of dirt and distant lands, but a battle for her father's health. Her early years were spent in the family's garden, followed by a career in food and restaurants, and then a seismic moment when her father's hospital experience forced her to rethink what we call “hospital food.” That led her from the kitchen to product development and ultimately to building shelf-stable meals designed with service members and high performers in mind. As Robin says: “These guys, especially when they were deployed, they need a taste of home. They need to feel like this just came off their loved one's stove.” This episode isn't about miracle cures or grand claims. It's about how a daughter's experience with her father—about family meals, advocacy, and seeing what people are actually fed when they're at their most vulnerable—became the engine for a company trying to reconnect service members to real food. We dig into product development, sourcing from regenerative farms, the procurement challenges with the military, and the practical reasons why a “taste of home” matters for health, performance, and morale. Enjoy!

Le lancement d'un nouveau round de négociation sur l'assurance chômage ouvre le bal des actualités de cet épisode. De la première réunion du 3 décembre, il est malheureusement ressorti plus de questions que de réponses, y compris sur les sujets ouverts à débat. C'est d'égalité, de parentalité et d'équilibre des temps de vie dont il est question dans le 5ème accord sur le sujet récemment conclu par l'UES Capgemini pour la période 2025-2028 et que nous avons choisi de mettre en avant cette semaine. Le texte porte de nouveaux engagements notamment en matière de parentalité. Nous souhaitons aussi signaler un arrêt du 27 novembre 2025 de la deuxième chambre de la Cour de cassation qui apporte des précisions sur le sort des réserves dans le cadre de la résiliation d'un contrat d'assurance invalidité et dépendance. Enfin, notre chiffre est celui du montant versé en 2024 aux organisations syndicales et patronales par le Fonds pour le financement du dialogue social.Hébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

Lebanon's Failure to Disarm Hezbollah Amid Regeneration — John Batchelor, Bill Roggio, David Daoud — Roggio documents that the Lebanese government continues to systematically refuse enforcement of Hezbollahdisarmament provisions negotiated in the ceasefire agreement one year prior, instead employing rhetorical frameworks of "dialogue and consensus." Daoud reports that the Trump administration is growing impatient with this intransigence, explicitly setting deadlines for Lebanese compliance and action. Batchelor emphasizes that Hezbollah is regenerating with unprecedented speed, focusing on easily manufactured assets including drone swarms, rendering the Lebanesestrategic concept of "containment" operationally meaningless and strategically ineffective in limiting Hezbollahcapabilities. 1902 CARACAS

Send us a textProvisions Fine Beverage is a visionary Wine, Spirit, N/A and cannabis Bev company. Click for more info:https://www.provisionsok.com/the-teamCheck out the website: www.drinkingonthejob.com for great past episodes. Everyone from Iron Chefs, winemakers, journalist and more.

In this episode of the Advancing Surgical Care Podcast, ASCA Chief Executive Officer Bill Prentice and ASCA Chief Advocacy Officer Kara Newbury discuss the 2026 final payment rule for ASCs released by the Centers for Medicare & Medicaid Services (CMS) on November 21. The 1,657-page rule establishes the inflation update for Medicare payments to ASCs, the expanded list of surgical codes that can be performed on Medicare beneficiaries in the ASC setting, significant changes to the ASC Quality Reporting Program and more. Prentice and Newbury break it all down in less than 20 minutes, providing essential guidance, information and resources for Medicare-certified ASCs in the year ahead.

This session shares my conversation with George Swartz on Thursday, November 20, 2025 in the Pour Richard's Wine & Provisions store. We talk aboutGeorge's road to this roleWine tasting events, usually 6-8 tables, 6 wines each to sample before purchase (or not)Floral arrangements, book club, and yoga are some events paired with wine testingPop up events bringing local crafts as well as cheese & prepared foods, charcuterie boards, etc.The recording runs 32 minutes, so let's listen in.-------------Web page -> https://pourrichardswine.com/ On Facebook at -> https://www.facebook.com/pourrichardswine On Instagram at -> https://www.instagram.com/pourrichardswinema/ -------------We are now producing this in collaboration with Franklin.TV and Franklin Public Radio (wfpr.fm) or 102.9 on the Franklin area radio dial. This podcast is my public service effort for Franklin but we can't do it alone. We can always use your help.How can you help?If you can use the information that you find here, please tell your friends and neighborsIf you don't like something here, please let me knowAnd if you have interest in reporting on meetings or events, please reach out. We'll share and show you what and how we do what we doThrough this feedback loop we can continue to make improvements. I thank you for listening.For additional information, please visit Franklinmatters.org/ or www.franklin.news If you have questions or comments you can reach me directly at shersteve @ gmail dot comThe music for the intro and exit was provided by Michael Clark and the group "East of Shirley". The piece is titled "Ernesto, manana" c. Michael Clark & Tintype Tunes, 2008 and used with their permission.I hope you enjoy!------------------You can also subscribe and listen to Franklin Matters audio on iTunes or your favorite podcast app; search in "podcasts" for "Franklin Matters"

Psalm 103:1-5  Luke 17: 11-19

Pastor James finishes our series, Entrusted, walking through the book of 2 Timothy. This week we looked at 2 Timothy 4:9-22 and saw that if we are going to entrust the Gospel to others, then we need God's provisions.

Thanksgiving Day has long been a time when Americans pause to remember the Pilgrims, their partnership with the Native Americans, and the bountiful harvest they celebrated together. At its core, however, Thanksgiving was established as a national day dedicated to giving thanks to God. Yet for many, this central truth has faded. Gratitude has become more connected to traditions, food, or circumstances than to the God who provides all things. In today's devotional and prayer, we see how Scripture calls us back to the heart of true thanksgiving — acknowledging God as the giver of every good gift and intentionally remembering His faithfulness. The Pilgrims modeled this well: despite difficulty, loss, and uncertainty, they paused to thank God. Their gratitude was rooted not in abundance but in trust. Similarly, we are called to thank God in every circumstance — whether life feels full or fragile. Gratitude lifts our eyes beyond our current challenges and helps us see God’s unchanging character. We thank Him by remembering His past faithfulness, by praising Him with our words and lives, and by offering sacrificial thanksgiving even when life hurts. Thanksgiving Day is a beautiful time to practice these rhythms, but they are meant to shape our entire lives. Gratitude keeps our hearts anchored in God’s goodness and reminds us that every provision — physical, emotional, and spiritual — comes from His generous hand. Bible Reading:“Give thanks in all circumstances; for this is God’s will for you in Christ Jesus.” — 1 Thessalonians 5:18 Takeaway Truths Thanksgiving is first and foremost an act of worship directed to God. Gratitude grows as we remember God's past faithfulness and daily provision. Praise is a powerful expression of thankfulness and shapes our hearts toward God. Sacrificial thanksgiving — praising God in hardship — deeply honors Him. True thanksgiving is not tied to comfort but to trust in God’s goodness. Let’s Pray Dear Father, On this Thanksgiving Day, we thank You first and foremost for Your goodness, Your faithfulness, and the gift of Salvation. We remember all that You have done for us through Jesus Christ — His coming into the world and His sacrifice on the cross so that we may live. Help us to praise Your name in every circumstance — with our words, our songs, our actions, and our service toward others. May our gratitude be rooted not in earthly comfort but in Your unchanging love and provision. We offer You a sacrifice of praise, choosing thanksgiving even in loss, disappointment, or uncertainty. You alone are worthy of all honor and praise. Thank You for Your bountiful provisions and for sustaining us each day. In Jesus’ name, Amen. Additional Scriptures for Reflection Psalm 100:4 Psalm 77:11 Ephesians 5:19–20 Hebrews 13:15–16 Related Resources The Practice of Gratitude - 3 Ways to Become Thankful - Crosswalk.com 6 Devotions That Will Anchor You in God’s Word Each Morning - Christianity.com Listen to more Your Daily Prayer episodes at LifeAudio.com Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

Emily from Knead Bakehouse & Provisions, and Matt Pauley!- h4 full 996 Wed, 26 Nov 2025 22:30:56 +0000 2uELQZDh2rCk29TKNkzlDHxjkuVO6tlH comedy,religion & spirituality,society & culture,news,government The Dave Glover Show comedy,religion & spirituality,society & culture,news,government Emily from Knead Bakehouse & Provisions, and Matt Pauley!- h4 The Dave Glover Show has been driving St. Louis home for over 20 years. Unafraid to discuss virtually any topic, you'll hear Dave and crew's unique perspective on current events, news and politics, and anything and everything in between. © 2025 Audacy, Inc. Comedy Religion & Spirituality Society & Culture News Government False https://player.amperwavepodcast

The Fat One is back with a recap of his day that included a trip to Shady Pines, Chrima decorations, the coupon, quiz programs and excitement in going to see the pink and green witches. Happy National Peanut Butter Fudge Day.

This Day in Legal History: Statute of MarlboroughOn November 18, 1267, the Statute of Marlborough was enacted during the reign of King Henry III of England. It is the oldest piece of English statute law still partially in force, with four of its original twenty-nine chapters remaining on the books. The statute emerged from a period of intense baronial conflict and civil unrest, notably the Second Barons' War, and was part of a broader effort to restore royal authority and stabilize governance through legal reform. It reinforced the crown's prerogatives while addressing grievances raised by rebellious nobles, making it a compromise between royal and feudal powers.Among its most enduring provisions were regulations on the practice of “distress,” which referred to the seizure of property to compel debt repayment or enforce court judgments. The statute restricted unlawful and excessive distresses, requiring them to occur only with legal justification and in the appropriate jurisdiction. These reforms curtailed private self-help remedies and emphasized formal court processes, laying foundational principles for due process and the centralization of judicial authority. It also addressed issues like wardship, waste of land, and the obligations of tenants—key concerns in the feudal legal structure.The Statute of Marlborough built upon earlier reforms such as the Provisions of Oxford and Westminster, but had a more lasting legal impact. Its survival into modern times speaks to the durability of certain legal concepts, especially those reinforcing procedural fairness. Some of its language has been modernized, but the essence of its rules remains intact in English law. The statute reflects an early attempt to systematize and limit both public and private power through legal mechanisms. Legal historians often point to it as a stepping stone on the path to the English common law tradition.The Supreme Court has agreed to hear a case challenging the federal government's authority to limit asylum processing at official U.S.-Mexico border crossings under the now-rescinded “metering” policy. Originally implemented under President Trump and formalized in 2018, metering allowed border agents to stop asylum seekers before they crossed into the U.S. and decline to process their claims, even when they were physically present at ports of entry. The Biden administration repealed the policy in 2021, but Trump's return to office has revived interest in reestablishing it.At the core of the case is the legal meaning of the phrase “arrives in the United States,” with the Ninth Circuit ruling in 2024 that it includes people who reach official border entry points—even if still on the Mexican side. That ruling held that federal law requires asylum seekers at ports of entry to be inspected and allowed to apply, regardless of logistical constraints like capacity. The advocacy group Al Otro Lado, which brought the lawsuit in 2017, argues the metering policy illegally circumvented these obligations, leaving vulnerable migrants stranded in dangerous border conditions.Trump's Justice Department contends that “arrives in” means actual entry, not mere proximity—using analogies ranging from Normandy to football to make its point. The administration has also signaled that it intends to resume the policy if conditions warrant. The case, which will likely be decided by June, comes amid broader efforts to restrict asylum protections globally and may clarify the limits of executive power over humanitarian migration policy.Supreme Court to review US government power to limit asylum processing | ReutersA California judge has blocked a proposed class action lawsuit involving 6,000 Black workers at Tesla's Fremont factory who alleged systemic racial harassment, marking a significant legal win for the company. Judge Peter Borkon ruled that the case could not proceed as a class action because the plaintiffs' attorneys failed to secure testimony from at least 200 workers—raising doubts about whether the experiences of a smaller group could represent the broader workforce. This reverses a 2024 decision by another judge who had previously allowed the class to move forward.The original lawsuit, filed in 2017 by former worker Marcus Vaughn, alleged pervasive racism at the facility, including slurs, racist graffiti, and even nooses in work areas. Tesla has denied allowing harassment and said it takes disciplinary action against those who violate company policy. While this ruling narrows the scope of Vaughn's lawsuit, Tesla still faces other legal challenges, including a similar case from California's civil rights agency and a separate federal suit brought by the U.S. Equal Employment Opportunity Commission. Tesla has previously settled other race discrimination lawsuits brought by individual employees.Tesla wins bid to undo race bias class action by Black factory workers | ReutersAshurst and Perkins Coie have agreed to merge, forming a global law firm with 3,000 lawyers and $2.7 billion in revenue—placing it among the world's top 20 legal outfits by size. The merger, expected to close in late 2026 pending partner approval, will create Ashurst Perkins Coie, with 52 offices across 23 countries. The move is part of a broader trend of transatlantic law firm consolidation aimed at scaling up to serve cross-border clients more effectively.Leadership will be shared between Ashurst's global CEO Paul Jenkins and Perkins Coie's managing partner Bill Malley, who emphasized the merger's value for clients in technology, financial services, and energy. Talks began in early 2025, with both firms framing the deal as a long-term strategic alignment. Perkins Coie recently gained attention for its role in successfully challenging executive orders from President Trump's administration targeting the firm and others tied to his political adversaries. While the firms say they have no current plans to expand their office footprint, the combination signals a deepening of U.K.-U.S. legal market integration.Law firms Ashurst, Perkins Coie agree merger to create global top-20 outfit | ReutersMy column for Bloomberg this week looks at OpenAI's effort to expand the CHIPS Act tax credit into a broad-based AI infrastructure subsidy—and what it reveals about the government's evolving role in underwriting the AI economy. OpenAI has asked the federal government to stretch the Advanced Manufacturing Investment Credit—originally designed to revive U.S. semiconductor manufacturing—to cover the entire AI stack, from servers to steel. That request arrives as data centers' energy consumption and land use start imposing real costs on local grids, budgets, and communities, raising the question: who's actually footing the bill for AI?I argue that this isn't a bailout so much as a bid for taxpayer-backed central planning, with a venture-capital gloss. AI infrastructure projects like OpenAI's Stargate centers already benefit from layers of state and local tax breaks, discounted electricity, and favorable land deals. Adding a 35% federal credit on top creates a subsidy stack that warps local priorities—school districts lose tax revenue, utilities are forced to reroute energy, and residents pay more on their bills. The public impact is mounting, even as the private benefit remains largely proprietary and insulated.Rather than offering blank checks, Congress should condition federal support on clear benefit-sharing requirements: job thresholds, emissions transparency, energy sourcing obligations, and clawbacks for missed targets. I propose a framework that makes federal aid contingent on upfront impact disclosures, co-investment in the grid, and full accounting of overlapping subsidies. Industrial policy isn't inherently bad—but without enforceable terms, we're not funding a public-private partnership. We're subsidizing a corporate buildout dressed up as a national security imperative. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

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We ought to look back at all the ways the Lord has delivered us and guided us.  He has been with us every step of the way, as He was with the children of Israel in the wilderness.  He provided for them with manna from Heaven every day.  Today He has provided for us through Christ, fulfilling all our needs. Exodus 16 VF-2511 Watch, Listen and Learn 24x7 at PastorMelissaScott.com Pastor Melissa Scott teaches from Faith Center in Glendale. Call 1-800-338-3030 24x7 to leave a message for Pastor Scott. You may make reservations to attend a live service, leave a prayer request or make a commitment. Pastor Scott appreciates messages and reads them often during live broadcasts. Follow @Pastor_Scott on Twitter and visit her official Facebook page @Pastor.M.Scott. Download Pastor Scott's "Understand the Bible" app for iPhone, iPad and iPod at the Apple App Store and for Android devices in the Google Store. Pastor Scott can also be seen 24x7 on Roku and Amazon Fire on the "Understand the Bible?" channel. ©2025 Pastor Melissa Scott, Ph.D., All Rights Reserved

DEAR PAO: Application of New Civil Code provisions on custody — compelling grounds to deprive mother of custody over her minor child | Nov. 9, 2025Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribe Visit our website at https://www.manilatimes.net Follow us: Facebook - https://tmt.ph/facebook Instagram - https://tmt.ph/instagram Twitter - https://tmt.ph/twitter DailyMotion - https://tmt.ph/dailymotion Subscribe to our Digital Edition - https://tmt.ph/digital Check out our Podcasts: Spotify - https://tmt.ph/spotify Apple Podcasts - https://tmt.ph/applepodcasts Amazon Music - https://tmt.ph/amazonmusic Deezer: https://tmt.ph/deezer Stitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimes#KeepUpWithTheTimes Hosted on Acast. See acast.com/privacy for more information.

Call it the best of both worlds. Cheeky's is a seafood restaurant and raw bar that opened earlier this year in St. Petersburg. It has the convenience of the city's walkable Grand Central District, with the breezy vibe of a beachfront eatery.The restaurateur behind Cheeky's—a.k.a. Cheeky himself—is Nate Siegel. He also cofounded the popular Willa's restaurant and adjoining Willa's Provisions coffee shop in Tampa.We recently slid into a booth at Cheeky's to chat with Nate. In this conversation, the Tampa native shares how Cheeky's got its name, how his time working in the Northeast influences his Florida restaurants and why, despite all the stress, he still loves working in restaurants.

Call it the best of both worlds. Cheeky's is a seafood restaurant and raw bar that opened earlier this year in St. Petersburg. It has the convenience of the city's walkable Grand Central District, with the breezy vibe of a beachfront eatery.The restaurateur behind Cheeky's—a.k.a. Cheeky himself—is Nate Siegel. He also cofounded the popular Willa's restaurant and adjoining Willa's Provisions coffee shop in Tampa.We recently slid into a booth at Cheeky's to chat with Nate. In this conversation, the Tampa native shares how Cheeky's got its name, how his time working in the Northeast influences his Florida restaurants and why, despite all the stress, he still loves working in restaurants.

This week the crew sits down with Brian London, Sommelier and wine buyer for one of Sonoma County's most beloved spots, Table Culture Provisions. Known for its eclectic and adventurous wine list, TCP has become a favorite among locals and winemakers alike — and Brian is the man behind its carefully curated selections. After falling in love with France during a trip with his fiancée, Brian began importing small-production wines to the States, eventually launching 4Play Wines, a boutique distributorship focused on producers with meticulous farming practices and distinct personalities. He shares stories from his travels, insights into sourcing hidden gems, and even kicks things off by pouring a 2014 Beaujolais and some White Burgundy — instantly winning over the hosts. Plus, a special drop-in from Isabel Gassier wraps up this lively and wine-soaked conversation. [Ep 389] @tcprovisions | @4playwines | @isabelgassierwine

Ethan Pikas, Owner & Alex Cochran, Chef de Cuisine at Cellar Door Provisions, joins Lisa Dent to discuss Alex Coachran being a finalist for The Banchet’s Rising Chef award. They share the process behind their dynamic menu, working to be as resourceful as possible in making delicious food for their diners.

On this week's exciting episode, the guys delve into a captivating discussion centered around the beloved Halloween classics, Hocus Pocus and Halloweentown. They explore the unique themes, characters, and cultural impact of both films, highlighting how each has carved out a special place in the hearts of audiences over the years. The conversation takes a nostalgic turn as Cody shares with Joe the recent addition of Something Wicked This Way Comes to Disney+, a film that many remember as a chilling yet fascinating tale from their childhood. He reflects on the stark contrast between the scariness of children's movies from their youth and the more sanitized versions available today, sparking a debate about how the portrayal of fear and adventure has evolved in family-friendly cinema. Cody also recounts an exciting personal experience, revealing how he and his partner Paige recently won a massive 12-foot-tall skeleton in a local contest. This impressive decoration not only fulfills one of Paige's long-held dreams but also adds a thrilling touch to their Halloween festivities. The guys discuss the joy of decorating for the season and the fun that comes with embracing the spooky spirit of Halloween, sharing tips and ideas for creating the perfect atmosphere. In another segment, Joe shares his recent culinary adventure with his family during a trip to Wickenburg, where they visited Capital Farms Meats & Provisions. He describes the delightful experience of exploring the local food scene, sampling various gourmet meats, and discovering unique provisions that reflect the region's rich culinary heritage. The conversation flows as they discuss the importance of family bonding over food and how such adventures can create lasting memories. Finally, Cody brings up some intriguing news regarding the prolific author Stephen King, revealing that he is currently working on two new novels. He discusses the significance of this announcement, especially in light of King's decision to take a break afterward to spend quality time with his family while he is still in good health. This leads to a thoughtful conversation about the balance between creative pursuits and personal life, as well as the impact of King's work on the horror genre and literature as a whole. The episode wraps up with reflections on the importance of storytelling, both in film and literature, and how these narratives shape our understanding of fear, adventure, and personal connections.Official Website: https://www.comesnaturallypodcast.comOfficial Merchandise: https://shop.spreadshirt.com/comes-naturally-podcast/iTunes: http://tinyurl.com/kqkgackFacebook: http://tinyurl.com/myovgm8Tumblr: http://tinyurl.com/m7a6mg9Twitter: @ComesNaturalPodYouTube: http://tiny.cc/5snxpy

In this inaugural episode of Ogletree's No Tax, No Problem podcast series, Scott DeLuca (of counsel, Buffalo) and Chris Hammon (shareholder, Miami)—who are the co-chairs of Ogletree Deakins' Hospitality Group, are joined by Mike Mahoney (shareholder, Morristown/New York) to discuss the “no tax on tips or overtime” provisions of the One Big Beautiful Bill Act. Mike, who is the chair of the firm's Employment Tax Practice Group, explains what qualifies as tips and tipped occupations, how withholdings would change, and when the rules would kick in. The speakers also examine potential impacts on service and hourly workers, payroll systems, and federal/state revenues, providing essential insights for employers in the hospitality industry.

In this episode, President and Senior Financial Planner Paul L. Moffat and co-host Director of Financial Planning Jordan Naffa continue their discussion of the One Big Beautiful Bill, focusing on additional provisions and new planning opportunities that could reshape personal and retirement strategies.Paul and Jordan explore how expanded 529 plan benefits, new savings vehicles, and advanced tax-planning tools can help build long-term financial flexibility. They also discuss how Roth conversions and Life Insurance Retirement Plans (LIRPs) can work together to create tax-efficient retirement income streams in light of recent legislative changes.In this episode: ● Expanded 529 plan coverage for homeschooling, tutoring, and professional credentials ● Introduction of the MAGA Savings Account with government contributions for minors ● Strategic use of Roth conversions before required minimum distribution age ● Benefits of Life Insurance Retirement Plans for tax-deferred growth and income ● Coordinating multiple strategies to achieve tax-free or tax-efficient retirement incomeIf you have any questions, call the Arista Wealth Management office located in Las Vegas, NV at 702-309-9970Connect with Arista Wealth:Website: https://www.aristawealth.comEmail: support@aristawealth.comCall our office: 702-309-9970 The opinions expressed in this podcast are for general purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. It is not intended to provide tax or legal advice. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital: please seek advice from a licensed professional.Arista Wealth Management is a registered investment adviser. Advisory services are only offered to clients or prospective clients where our firm and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Arista Wealth Management unless a client service agreement is in place.

This week Aaron from Rustic Golf Provisions joins TJ to talk all about his journey in golf and what he has done to build up his own golf community. We cover everything from his background in golf to starting woodworking. Aaron even fills us in on some future plans for his brand as he delves in selling picture frames not just for your own art but even for on course photography that he has shot himself. Aaron has found the perfect way to combine his love of golf, woodworking, and photography all into one. He is currently taking orders for custom bag tags for individuals as well as bulk orders for events. He plans to expand into other options in the future as well, possibly including ball marker displays, hole in one displays, and more as the business continues to boom!https://www.rustic-golf-provisions.com/https://www.instagram.com/rusticgolf_provisionsSend us a message and let us know what you thought about this episode! Acorn Hills Clothing Co.Use code BASIC15 for 15% off. Look Good, Feel Good, Do Good. A Zero Waste Clothing CompanyCourse RecordUse BasicBogeys10 at checkout for 10% off their functional hydration drink!Tally TumblerUse BASIC20 for 20% Tally Tumbler. The tumbler to stay hydrated, competitive, and in control! The Putter ShopUse code BasicBogeys15 for 15% off your order!BagBoy - Dynamic BrandsUse code TJ15 at checkout for a discount on your very own Nitro BagBoy Push Cart!Trouble Off the TeeUse code BASIC20 for 20% off Trouble Off the Tee Hats. Play Golf Your Way! Thanks for listening. Tune in next Thursday for our next episode! Support the showFollow Basic Bogeys here:Instagram: https://www.instagram.com/basicbogeysTikTok: https://www.tiktok.com/@basicbogeysYouTube: https://www.youtube.com/@basicbogeys?sub_confirmation=1

sermon notes

In this episode of the Fit4Privacy Podcast, host Punit Bhatia explores the EU AI Act— why it matters, what it requires, and how it impacts your business, even outside the EU.You will also hear about the Act's risk-based approach, the four categories of AI systems (unacceptable, high, limited, and minimal risk), and the penalties for non-compliance, which can be as high as 7% of global turnover or €35 million.Just like GDPR, the EU AI Act has global reach—so if your company offers AI-based products or services to EU citizens, it applies to you. Listen in to understand the requirements and discover how to turn AI compliance into an opportunity for building trust, demonstrating responsibility, and staying ahead of the competition.KEY CONVERSION 00:00:00 Introduction to the EU AI Act 00:01:22 Why the EU AI Act Matters to Your Business 00:03:40 Risk Categories Under the EU AI Act 00:04:52 Key Timelines and Provisions 00:06:07 Compliance Requirements 00:07:09 Leveraging the EU AI Act for Competitive Advantage 00:08:38 Conclusion and Contact Information  ABOUT HOST Punit Bhatia is one of the leading privacy experts who works independently and has worked with professionals in over 30 countries. Punit works with business and privacy leaders to create an organization culture with high privacy awareness and compliance as a business priority. Selectively, Punit is open to mentor and coach professionals.  Punit is the author of books “Be Ready for GDPR' which was rated as the best GDPR Book, “AI & Privacy – How to Find Balance”, “Intro To GDPR”, and “Be an Effective DPO”. Punit is a global speaker who has spoken at over 30 global events. Punit is the creator and host of the FIT4PRIVACY Podcast. This podcast has been featured amongst top GDPR and privacy podcasts.  As a person, Punit is an avid thinker and believes in thinking, believing, and acting in line with one's value to have joy in life. He has developed the philosophy named ‘ABC for joy of life' which he passionately shares. Punit is based out of Belgium, the heart of Europe.  RESOURCES Websites www.fit4privacy.com,www.punitbhatia.com Podcast https://www.fit4privacy.com/podcast Blog https://www.fit4privacy.com/blog YouTube http://youtube.com/fit4privacy 

______________________________ Subscribe to the show: Apple, Spotify, Stitcher, Audible, or Google. Please rate and review the show on your favorite Podcast platform, and if you have any questions or comments, message us here, or send us an email at boozedancing@gmail.com. ______________________________ Episode 66: An Old Fashioned Lowdown. If they go high, we go low […]

Pamela Rocha joins the Exchange to discuss the details.

The Shareholders Association remains concerned over investors getting involved in wholesale investment schemes. 

Self-insuring can feel complicated—especially when you get into contract provisions or health insurance captives.In Part 2 of our 3-part series with the Podfather himself, Spencer Smith, CSFS®, we break down:What a health insurance captive actually isWhen a captive might be the right fit for your group Key contract nuances every employer should understandPractical insights for anyone dealing with group benefitsThis series was a blast to record and is packed with value for employers, HR pros, and benefits decision-makers. If you missed Part 1, go check it out—and don't miss this episode if you want to take your self-funding knowledge to the next level.HIT LinkedIn: https://www.linkedin.com/company/the-h-i-t-podcast/about/HIT IG: https://www.instagram.com/the_hitpodcast/HIT Spotify: https://open.spotify.com/show/3bZ4GyZEm8Acmo60BetLHm?si=7f59f1b218b14ef6&nd=1&dlsi=cba58f30269a4c34HIT iTunes: https://podcasts.apple.com/us/podcast/the-h-i-t-podcast/id1685677680?i=1000611317315About the Show:The H.I.T. Podcast (Powered by Montage Insurance Solutions): A thought leader in the space, curating the top news and information to deliver a brief, high impact overview designed specifically for the Human Resources professional, business person, and company executive.#TheHITPodcast #SelfFunding #StopLoss #CaptiveInsurance #GroupBenefits #SpencerSmith #Healthcare #HRLeadership #EmployerBenefits

The One Big Beautiful Bill Act (OBBBA) – a sweeping piece of tax legislation that impacts everything from deductions to child savings accounts – has been passed. Do you know what it means for your financial plan?In this episode of The Agent of Wealth Podcast, host Marc Bautis is joined by John Williams to break down key provisions of the new law and highlight the biggest planning opportunities.In this episode, you will learn:How the new $40,000 SALT deduction cap works, who benefits, and why the phaseout rules could make itemizing worthwhile again for taxpayers in high-tax states.What the Senior Standard Deduction offers to those age 65 and older, how the phaseout thresholds apply, and how it compares to existing deduction strategies in retirement.Why the newly introduced Trump Accounts — government-seeded investment accounts for children — could become a powerful savings tool alongside 529 plans and Roth IRAs for kids.How changes to charitable contribution rules — including the new deduction cap, minimum “floor,” and standard deduction adjustments — may influence when and how you give.Plus: new above-the-line deductions for tips and overtime, expanded 529 plan uses, car loan interest deductions, the repeal of EV and residential energy credits, and more.Resources:Episode Transcript & Blog | The One Big Beautiful Bill Act Checklist | Bautis Financial: 8 Hillside Ave, Suite LL1 Montclair, New Jersey 07042 (862) 205-5000 | Schedule an Introductory Call

In this episode of The Produce Moms Podcast, host Lori Taylor interviews Meghan Rowe, Founder and CEO of White Leaf Provisions.   They discuss the journey of creating a brand focused on biodynamic and regenerative farming practices, the importance of transparency in food production, and the balance between family life and entrepreneurship. Meghan shares insights on the challenges and successes of scaling her brand while maintaining its core values, and her vision for improving school nutrition in the future.  

Title: When Real Estate Deals Go South: What to Do Next with Ted Patel Summary: In this podcast episode of “Decoding Cash Flow,” host Ted Patel interviews Seth Bradley, a securities attorney and real estate syndicator. They discuss the intricacies of raising capital for real estate investments and delve into the legal considerations that come into play, especially regarding compliance with SEC regulations. Seth shares his journey from a blue-collar background to becoming a successful attorney and real estate investor, providing a detailed account of his experiences in syndication and capital raising. The conversation covers topics such as the importance of being an active partner in syndications, the evolution of his investment strategy from small multifamily properties to larger syndications, and the rise of fund of funds models. Seth emphasizes the necessity for investors to understand legal documents and outlines key strategies for successful capital raising. This episode serves as a valuable resource for both passive and active investors looking to navigate the complex world of real estate investment. Links to listen and subscribe: https://www.buzzsprout.com/2104713/episodes/15911080-ep-153-leveraging-legal-expertise-for-investment-success-with-seth-bradley Links to watch and subscribe: https://www.youtube.com/watch?v=a4xTU9T6CVA&t=375s Bullet Point Highlights: Securities Compliance: Understanding the legal framework is crucial when raising capital to avoid issues with the SEC. Transitioning to Syndication: Seth discusses moving from small investments to syndication, emphasizing a progressive approach. Legal Documents: The importance of reviewing legal documents and understanding what to look for to avoid pitfalls. Network Importance: Leveraging existing networks can significantly boost initial capital raising efforts. Fund of Funds: Exploring how the fund of funds model offers a structured way to raise capital while adhering to regulations. Investor Communication: Maintaining regular communication with investors leads to referrals and sustained relationships. Future Trends: Insights into potential changes in the real estate syndication market depending on political climate and economic factors.   Transcript: you can certainly partner with other partners and buy a property together and raise Capital together and it's perfectly fine but as you know all you all need to be active partners and as you also know many times people put these things together not everybody's an active partner some people are just coming into the deal just to raise capital and then they don't have anything to do with the operations or the decision-making or anything like that and that's where you get yourself into trouble with the SEC and the state   commission are you looking to achieve massive success in your life without dealing with costly investment nightmares if yes then this is the podcast for you here we provide engineers and busy professionals all the secrets and strategies to create multiple streams of income build generational wealth and live a meaningful Life by Design here's your host Ted Patel welcome back to another episode of decoding cash fla podcast and today we have a very special guest Seth Bradley who is a Securities attorney and   a real estate syndicator he's a chief legal officer at tribe West and a managing partner at rise law and law Capital Partners uh Seth is also a host of passive income attorney podcast and uh today we'll like to you know get his perspective on as an attorney I would say uh on the ways different ways to raise capitals and you know what to look into or where to be careful why is why rais Capital Etc so we'll dive deep into those aspect as well as touch based upon uh the pros and cons of passive income   so uh Seth welcome to decoding cash flow it's a pleasure having you on the show Absolutely Ted really appreciate you having me on man looking forward to it all right great so said before we uh dive deep into your Niche uh can you give our listeners a little bit background about yourself what do you do and how did you get started in the real estate for sure man I I'll give you the expedited version but um you know I grew up in West Virginia grew up blue collar my dad was a coal miner he's a retired   coal miner my mom's a retired school teacher so you know I didn't come from a an entrepreneurship or a real estate background uh blue collar background and you know that kind of sent me into a path of you know full-time W2 and trying to figure out what the best job I can get because I didn't really think of you know entrepreneurship and owning assets and things like that were really an option um so I went into med school um hated it I went for about a year and a half uh dropped out on my own valtion um   ended up actually getting my MBA after that and then into law school where I really started to thrive I really liked law school a lot I liked you know I never wanted to litigate but I was always interested in business and transactions and real estate and those sorts of things so um getting that that legal background gave me kind of that really solid foundation to you know honestly at a young age getting myself into into doors uh where I probably didn't belong you know when you say you're an attorney you're a real estate   attorney or Securities attorney um you know when you're younger it's like oh really that's really cool um and you kind of you know eat your foot in the door so that's really how I got started um I worked in big law for about six six almost seven years um worked at most recently uh one of the top three law firms in the world um uh you know it it was a great experience gave me a really good background and foundation on Securities Law and kind of that that highest level of sophistication and transactions um and you know allowed me   to you know save a little bit of money and really kind of start going out on my own and start purchasing real estate and start investing in syndications passively and then actively um and then eventually start my own firm uh my own Boutique Securities Law Firm that's awesome I love it so you know a lot of people uh you know they they start their investment journey by maybe at at the initial level they buy a small multif family or do a Fix and Flip you know uh how how did you manage to get into syndication directly or what   what what was the path that you took you know what inspired you to get into syndication directly while being an attorney in sort of going through through the normal route of you know starting small and then getting into multi family syndication yeah well I'll tell you what Ted I actually took a I took the traditional route man I started you know like a lot of people do I started really small I started listening to Bigger Pockets right you listen to Bigger Pockets you started thinking oh I've got to uh own rental property so um   as soon as I got my first big Law Firm job I actually house hacked into a duplex lived in one half uh my wife was flexible enough with me to be able to do that so she didn't mind living in a duplex and living in one half renting the other half out and having them pay the mortgage and that was kind of the beginning and then I just started um like a lot of people uh you know doing fix and flips and doing fixing buy and holds and wholesaling a little bit here and there and then moving your way up to   uh you know small multif family and then as I got more sophisticated as an investor and more sophisticated as an attorney and started looking at the clients that I have because I'm working at Big law firms and you know these clients are the folks like like us now right like they're taking down you know $20 million properties hundred million funds things like that um and you just start thinking man I'm I'm not thinking big enough um I need to go bigger how do I do that um you know having that attorney background in real estate   Securities really helped me out um but I was still kind of you know a little bit hesitant I didn't really know that side of the business I knew the legal side I knew the closing side but I didn't know the business side um so I started investing passively first and that was after I spoke to some people and they said that's probably the best thing to do you know I had a good job so I I was able to afford it so I invested passively in some deals kind of got my feet wet that way started to understand   from you know the investor standpoint what that looked like to invest in a in a syndication or a fund and then at that point I realized hey I I can do this um so I actually started leveraging my Securities background um to partner with other operators um and get an equity position in the company um you know bringing in investors I'm doing the due diligence doing the uh some of the underwriting and and then also you know bringing my Securities uh Securities skills of the table which everybody needs when they're raising   capital okay all right that sounds great man so so you did take a traditional route as you mentioned right you yeah maybe maybe didn't uh you know stay in that U uh field for quite long time you just jump to syndication yeah pretty quick hacking yeah pretty quick yeah yeah I mean I built a small portfolio and like I said went into some smaller multifamilies maybe took about three or four years and I started investing passively and then you know by the time I started investing passively I was already looking to go to   the active side within you know a couple of months so are you an attorney do you still practice law I do um kind of as a you know it's not like a a full-time gig but I do have my own Boutique Law Firm raise law where you know I I you know if it's down the middle I'll take on the work um you know if it's a real estate syndication if it's a real estate fund or it's a fund of fund I put those together for people U you know I've been doing that for you know over a decade now so it's like breaking sticks at this   point but I've really been able to leverage my uh Securities attorney background to um some of these other positions with uh startups so startups are really exciting for me um you know they've those are home run swings right like real estate is kind of like singles like let's let's hit singles let's keep that batting average High um you know these are you know a little bit safer they're secure um when you get into the startup world it's like your chance of failure is pretty high whereas real estate your chance of failure is on the   low side um but with with startups it's pretty high but you know that that kind of appeases my risk appetite um to get involved with these startups and I've been able to to like I said leverage my security skills and my background as a a syndicator and a fund manager um to become Chief legal officer for trib bestest so trib bestest um traditionally was a group investing platform and uh you know I was speaking at a conference in the bvis with uh Travis Smith who is the CEO and we really just hit it off   and our wives hit it off and you know they were trying to Pivot from this group investing platform to um you know try to try to enter the Securities and the syndication market and I and they were looking at like a cgp model and I said look Travis this this is going to fun funds right like you know this was this was about a year and a half ago um some things were going on in background with the SEC uh doing some investigations and things like that for some well-known folks and you know the market was starting to to see hey we   need to we need to start paying more attention to these Securities regulations and maybe get away from the cgp model and the solution all along has always been fund of funds it's just fund of funds is expensive it's hard to put together it's you know all those different things um but what we've done to try best is be able to kind of package that into a fun fun in a box all right yeah we'll we'll speak um get more uh into that fun of fund models you know but before we dive deep into that I just wanted to che check few   things like you you mentioned uh startups so in addition to the real estate you also do raise capital for the startups is that so so I'm not raising capital for the startups I'm actually uh fractional clo for not only tribe vest but two other startups one called clavis which is also a real estate uh technology software platform um and then stack rck battery which is a battery manufacturing company so think um you know Tesla power wall it's similar to that it's actually a newer technology that we use a more powerful   technology um but it's very similar in nature where you pair that with solar so we're we're a solar manufacturing or a battery Manufacturing Company um and again these are you know these are I would call them somewhat mature startups in in that world I mean um you know we're well over a million and a half in revenue of a stack rack and um we just went live with a fully automated software with with clavis and then triest is of is is really headed towards series a right now so you know all three of them are progressing really   well um and looking forward to seeing how I can help help ignite that okay sounds good man all right so now moving on to this uh triest right tell me something about uh a little bit more about what do you do at Tri like you said you have a fund in the Box model yeah now uh so so any any group of investors they can come together create their own fund and they can invest in a operators fund is is that though how it works with triest yeah to a certain extent I mean I think it it helps to think about kind of   the history of group investing so traditionally tested what they called group investing it's more similar what you described let's say me you and three buddies put in 100,000 bucks and we've got 500,000 bucks now to get over maybe an investment minimum to invest in a syndication or a fund um and that's it so we just we leveraged each other's Capital to um you know get into a deal at maybe a a large minimum or maybe that uh you know we got a bet we got better financial terms because we put together   half a million instead of investing 50,000 bucks or something um the the ISS is there is is no one gets paid right like we're all just putting our money together investing together and it's really set up like a joint venture we all have equal voting rights based on how much money we put in um you know we we make decisions together we all decided to invest in that one deal and we could all decide together to invest in a different deal if we actually want to um but nobody's getting paid um because when you start getting paid now   you're talking about Securities laws when you start getting paid you should be licensed or find an exemption so um you know you need a broker's dealer license or be in raia under certain circumstances so that's where you start getting into that um a lot more complicated when that starts to happen and that's what tribe vest pivoted to last year is hey we still have the group investing option but a lot of times what happens is one of those people in the group is the one doing all the work right like one of the person is the one   that found tribe vest and is like hey I found this platform I'm gonna let's all put our money together and then you know he's the one collecting the money and badgering people to you know do the distributions and the taxes and all those sorts of things there's somebody putting in some time and effort for that and they at some point they're like hey if I do this next time like I want to get paid for it but how can I do that um you have to find the right uh Capital raising vehicle to be able to legally   pay yourself and we've created that with trivest and that kind of coincided with what I mentioned earlier which was kind of the industry pivot away from the cgp model um when I say CP model I mean I mean the abuse of the cgp model you can certainly partner with other partners and buy a property together and raise Capital together and it's perfectly fine but as you know all you all need to be active partners and as you also know many times people put these things together not everybody's an active   partner some people are just coming into the deal just to raise capital and then they don't have anything to do with the operations or the decision-making or anything like that and that's where you get yourself into trouble with the SEC and the state commissions and the solution to that is is well first of all just don't do it but the solution to it if you still want to raise capital is to create a fund of funds um but the problem with the fund of funds model is now these former cgps have all these new   responsibilities they have to find a Securities attorney they have to put together offering documents they have to find a CPA they have to start a business they have to get a business banking account they have to manage their investors they have to find a portal they have to do all the things that a a real active GP would normally have to do um but typically you know the the active partner is the one doing it for them now they have to do it all themselves so it's a lot more work so in short um it as you mentioned right cgps um they   need to be active in the syndication you know if you're Co GP and know any of the property you need to be active and I I also seen and you might have also seen uh there are certain projects where there are 10 or 15 different C GPS and only five or six takes responsibilities other are just you know raising fund for that uh particular property so this helps uh this model uh you know helps the inactive coach I would say Partners to get the fees that they need as well as raise Capital without getting into   Crosshair of s that's right that's right and the only reason that it's it's been going on for so long now and I'll say since like I'll say 2012 because that's when the jobs Act pass and you were starting to be able to advertise for um these syndication deals and things like that um is because real estate's been so fantastic right like it's been going up up up since the crash in 2008 um and nobody's nobody's suing anyone for the most part because their Investments are great right up until let's say that   little blip in 2020 from but then last year when the interest rates started going up some of these projects started to fail and that's when investors start getting angry because they're not getting you know their distributions and they start asking questions and that's when you're seeing people you know they're getting Capital calls and and they're starting to you know get sued by passive investors that's when these things start to fall apart because if if everybody's happy there's there's you know nobody's going   to get caught so to speak you know what I mean like nobody's going to find out that you raised Capital illegally unless somebody's upset and starting last year that's when people started getting upset and that's when you're starting to see some people um you know get exposed for raising capital in the wrong way what what are the fees that uh you can charge in this fund of fund model what kind of fees because as a cgp there are many different venues right you you can charge the finding fees operations   management fees uh at the end you can also take a part of the profit uh you know yeah so a lot of comes down to how you structure it right like these are these are very complicated Securities regulations that have a lot of layers on top of them because when you get into a fund of funds you're not just dealing with um what people are familiar with 506 C and 506b exemptions which are the 1930s acts you also get into the 1940s acts when you start dealing with fund of funds um and those are uh the invest the   investment advisor Act and the Investment Company act so there are lots of nuances to that and how you can get paid but if you're structured correctly you can get paid the same way so you can get paid an upfront fee you can get paid a um you know an ongoing annual fee percentage and you can get paid a profit split like basically all the same types of fees that you would collect as a cgp you can also collect as a fund manager but again there's a lot of nuances to that okay all right so um for for the new investors right   uh uh when when they start into this passive invest investment world you know uh they are you know they get a little intimidated by seeing all the different uh documents that the operator sends them uh the ppms and all the other legal documents right um and so based on your perspective like you know you're an attorney right so what what are the things that the investor needs to checking these legal documents to make sure there are no red flags or to be cautious of something what what are those things that you would like to   tell to our listeners for sure and it's tough right like these are not short documents I mean you know the the subscription booklet so to speak that includes let's say the subscription agreement the operating agreement and the the PPM it can be minimum 100 Pages it's probably going to be closer to 200 pages in totality and that's in intimidating I mean that's intimidating for myself who is an attorney let alone you know a passive investor that says hey I I thought I was just going to invest passively like this reading a   200-page legal document is not passive to me so you do need to be educated on kind of the things to look for and you know you should read the whole thing unfortunately I you should at least skim it over and the more you do it the more you'll get comfortable with it and the more when you see that see it the next time and the time after that you'll be able to get through it quicker and quicker because they all look you know they all have the the same basic parts but I you know I would say some things   to look for you know first of all make sure that everything matches so let's say the what call the offering memorandum or the pitch deck that the the marketing piece that the operator puts out you know they're going to have their projected returns their fees the proforma they're going to have some other information in there make sure that those numbers match the numbers in the PPM and the PPM is is a Disclosure document so it's a legal document but it's not it's not the final legal document the final document is going to   be the operating agreement so you really want to make sure that the the marketing piece or the pitch deck matches the PPM and the PPM matches what the operating agreement says and ultimately whatever the operating agreement says is what goes so if you take the time to read anything it should be the operating agreement even though that will probably be the hardest um hardest document to read because it will be completely in legal ease but that's the controlling document so if if the pitch deck says   something um and then the op agreement says another thing the operating agreement is what controls um so you know some big things to look out for are are voting rights you know typically as a passive investor you're not going to have a lot of voting rights but there should be some sort of a mechanism to remove the manager in very extreme circumstances so if there's you know some sort of gross negligence or fraud or misrepresentation or you know things like that then there should be a mechanism to um remove the manager and   that's usually done through some sort of a majority vote or super majority vote Plus you know proving that they did commit those actions um again it should be a pretty extreme case but there should be a mechanism there for that um obviously you know make sure that your Fe you know what the fees are going to be you need to know what fees you're paying you need to know um what that waterfall looks like meaning you need to know how you're going to get paid as the passive investor make sure you understand that and make sure it matches   your understanding and if you have questions about it make sure you ask the fund manager or ask the operator um to explain it to you in in um you know in non-legal e language so that you can understand it um and then on top of that you know another important thing that you're seeing nowadays is capital calls make sure you know what the capital call language is so if there's some sort of a a demand for Capital from the operator or from the fund manager what triggers that is it mandatory is it discretionary   um is it up to a vote it could be up to a vote um just make sure you know the mechanism for that and that you're comfortable with it yeah and if uh if your share gets diluted if you don't contribute to the capital call that's right that's right and it's perfectly fine to get diluted if you don't contribute I mean that's typical like if you don't contribute um you should get diluted right but what you need to look out for is if you get deluded Pro uh based on how much you didn't contribute which is fine um it's   typical but you'll see some uh penalty Provisions where you get diluted even more so than than prata and that's where it can be a problem um so just look out for those types of provisions and um in in these documents right the legal documents what if if you take fun of fund model if you take like separate 506b or C right what what are the extra documents in each of these sections that uh uh any any person who wants to start uh raising Capital uh needs to be aware of yeah so if you do a fund of fund you   you just have to think of it like it's your own syndication it's your own fund so you're going to have your own separate set of offering documents or subscription booklet whatever you want to call it so there's going to be two sets and looking at it from the passive investor standpoint if you're the passive investor that's going to be investing in the fun of fund there's going to be two of documents you're going to have to look at you're going to have to look at the fund of fund documents um which is going to have the   PPM the operating agreement and the subscription agreement and then you're also going to have to look at the offering documents for the um for the Target deal that the fun of fund is investing in so there's going to be two set so uh double the work um but you know there there are some benefits to that and obviously if you're investing in a fund of fund then you have a certain level of trust with that particular fund manager which is you know probably why you're investing with them anyways and sometimes you can get a   better deal I mean not all the time but every once in a while you can um so there you know you'll have to review two sets of offering documents but at the end of the day you know it's like I said you'll get better and better at as time goes by as a syndicator uh what what are the different uh assets that you are involved with I know multif family is there anything else that you do syndication for yeah I've done I've done a lot of different things um multif family I've done industrial I've done ret shopping   centers um RV parks um different funds right now um I'm actually doing a California U fund so accessory dwelling units so we're doing those in Riverside County it's a $20 million fund um and we're buying single family houses and turning it into a basically a three or four Plex um and sometimes you split the lot and you end up with six to eight units on that thing and they're incredible um it's it it's really the only thing you can get done here in California um with you know Little Resistance because everybody knows   California is the king of Regulation so but for some reason they think the adus are the the solution for the housing crisis out here so they let these things get permitted pretty quickly and it's an excellent opportunity it may be might be a short window but right now it's it's a fantastic uh fantastic asset right and uh so you only invest in California you're only focused or are you look at the other properties on out of state also oh I look out of state for sure this is actually the first thing   that I've done outside of you know a few single families and condos um in California generally I was I was one of those people that always said hey you can't really invest in California doesn't cash flow it never makees sense um I've actually came around quite a bit to that you know now that I'm I'm a more mature investor and you know you're in you're in New Jersey so you see like you know that big appreciation play as well um I just remember like bigger Pockets used to be they used to preach oh it's   all about cash flow right like you know all cash flow don't don't invest for appreciation but you need to invest for both I mean I think you need to invest for cash flow because you need to cover your bases I mean you don't want a negatively cash flowing asset that's for sure you don't want something that's going to cost you money but when you invest in places like New York and Coastal California and you know Beach areas things like that um City centers over the long run they're going to appreciate and they're going to   appreciate a lot I mean you might have you know more of a up and down um but at the end of the day it's going to be much higher whereas you know when you invest in which I do I invest in the midwest I invest in the South um those places a little bit more um you know subtle and they're going to increase in in price as well and in appreciation but it's just you know it's a lot more slow um and you might get a little bit more cash flow so you know I like to have a good mix but you know if if you're not strapped for   cash um and you're really trying to build long long-term wealth um that appreciation play is is really important absolutely I can't agree with you Mora because it's all about numbers right first of all yeah you don't don't have to have a negative cash as you mentioned uh the other thing is regardless of which state it is like California New Jersey New York uh of course you know there are some landlord friendly States some are not but as long as you know how to navigate those Waters you'll be fine for sure for sure and   then and you know obviously Force appreciation in everything I mean I don't buy anything that doesn't have some some upside from rolling up your sleeves for sure so um now you you are an ATT Securities attorney do you see in in in next few years do you see any uh any changes upcoming changes with regards to real estate indication like there are you know some more uh rules or you know coming in you know I I I don't want to get political but I I do think that politics have a a pretty big influence   on this um you know I I vote for policy um I don't vote for the the uh person I vote for the policy and I'm in business I'm in real estate so I like to vote for people that are going to be favorable for me so you know this recently proposed massive capital gains tax is absolutely insane to me so things like that really tough to tough to judge right but like you know if it let's say it does go towards um the Republican side let's just say that it it's known that there they want less government oversight um including the SEC um   because you've seen the SEC pick up in the last four years um with oversight you've seen it o you know increased um employees with the IRS things like that so that does influence things um especially with the SEC right because we're talking about syndications we're talking about funds it'll make people a little bit more uh trepid to do anything right um if if people if it's more of a free market and you know they're not too worried about the SEC you're going to see more business you're going to see   more funds you're going to see more syndications um you know looming is the capital gains thing that is huge that will that will be massive for the real estate market whichever way that goes now even if it even if it goes towards uh the left it's not to say that those laws are going to pass I mean that's that's going to be a really difficult thing to pass anyway ways but if it does that can that can dramatically influence it um and there are other things that are out of control as well I mean things   like um you know world wars like things like that you can't predict control you cannot predict those things so you really just you can't focus on politics you can't focus on things that are out of control you have to do what what you can do to to make yourself better and to better your business um but you know I I see the the Securities um the Securities industry um you know funds fun to funds raising capital for Real Estate those sorts of things I can only see it going up I mean there even even with some headwinds from   different things from different regulations or different things that are happening around the world um you know just there's a massive there's there there's a massive movement towards it so I think it'll continue to to go up over time okay all right so um before we get to the final round of questions I had one topic that I want to touch based upon you know you being a syndicator if you like to give a listeners a little bit uh overview on the strategies that you use to raise Capital sure sure man   um you know and I actually have a really good perspective working at tribe vest now because we deal with so many different uh Capital raisers and fund managers and Lead sponsors and we're getting to see who raises a lot of capital who doesn't who's able to perform who can't and you know you start to see the people that are successful and the people that are not and you know what we're trends that we're seeing are people that already have an existing Network are usually successful out of the gate right like if you're a doctor a   lawyer an engineer um maybe even a software engineer someone like that that already has a a wealthy Network those people are generally very successful at raising Capital because they have wealthy friends and it's easy for them to raise uh you know half a million bucks a million bucks out of the gate um that's number one but that only lasts for so long I mean number two once you kind of exhaust those resources you really need to focus on um referrals from those people that invested with you and hopefully you did a good job and you   keep your Communications up um which is really important too I should say that keeping those investor Communications are super important and hardly anybody does it you would you've got once they invest with you you got to fall up on regular basis that's right man provide the reports you wouldn't believe it I mean you would think that that that would be one of the easiest things but it's not because everybody has shiny object syndrome and as soon as you close a deal you're moving on to the next one   and you're not worried about those other investors well that's your best source of new investors are your current ones for referrals because if they give you a referral that's that's golden that's your easiest way um and then secondarily you're going to have to figure out a way to get in front of strangers and new investors so whatever that looks like if that looks like um going on other people's podcasts or starting your own podcast or speaking at events or um you know if you're a doctor start going to   conferences and just talking about um you know what you're investing in and what you're doing and the deals you're deals you're doing things like that you you've got to network you've got to get out there and you've got to figure out a way to get in front of of new people and and new potential investors any any specific uh um tools or you know softwares you recommend um you know me personally I I just use active campaign for my CRM um I've seen a bunch of people use different ones um go high level is great   as well because it's all in one so you can create your your emails your funnels CRM your courses if you have one you can manage a mastermind on there you can do it all on there um it doesn't do anything exceptional but it does everything pretty good so that's that's kind of the knock on it but yeah those are the two big ones that that I use same here I'm also good uh I'm I'm also into active campaign oh cool yep yeah yep that's a good tool yeah all right uh so uh Seth loving this conversation you know but uh I also need   to be mindful of your time so I would like to move on to the final round of questions uh is there anything else that you like to tell to a list us before we move to the final questions um I would just say you know I've seen this journey before I know a lot of your in your a lot of your listeners are passive investors and a lot of times when I give a keynote when I'm speaking it's a it's two passive investors so and I talk about the journey from passive investing to raising Capital um because that's kind   of the the natural progression it's like you invest passively for a while then your friends ask you about that deal and oh man where do you find these Investments blah blah blah and you know eventually you're like man maybe I can raise some Capital but you know doing that transition from passive investor to Capital razor um has never been easier right and especially with um you know I'm going to plug tribe here because it's a done for you product so when you have your five wealthy friends or your   10 wealthy friends that want to invest in a deal but you want to figure out how you can actually get paid for it legally triest does all the stuff that I was talking about doing before that's just a pain like getting your CPA getting a Securities attorney doing your offering documents starting a business we do all that for you we onboard your investors we do everything I mean it's it's a white glove service so you that didn't exist a few years ago um so it's it's easier than ever to make that transition   from passive investor to raising capital for somebody like you Ted that's awesome man uh you know it's always good to uh see like you know people simplifying the things less time less money less energy to put in and you get the same kind of returns and uh you know for sure yep uh let's move on to the final round of questions are you ready let's do it all right pretty easy ones okay so all right man I'll take your word for it better not stop me here so uh what are the main source of information main source of information   to learn and grow um you know I listen to a lot of podcasts I I do a lot of audio um if it's and especially like Audible for books and then podcast obviously for shorter content um and then if if I think it's a really good audible book then I'll actually buy the hard copy and and try to read it I won't say that I always get to it because I just don't have time but I like to listen to stuff while I'm working out and running and doing stuff like that um but mainly podcasts to just stay up up to date on   things and you know I've kind of actually gotten away from Real Estate specific podcast and more into like business things like um you know Alex horos and and those types of guys that talk about business generally I think it's a good flavor um to mix it up with awesome uh what is the one book that you'll recommend would had the most impact on your life or on your business yeah I mean you know it's Rich Dad Poor Dad I mean that's for sure I I'll say another one though because I would say everybody probably says that I   mean It Rich Dad Poor Dad definitely had the the most impact I mean it's I think it has that influence on a lot of people when they read that book they're like it's so simple but it just flips the light and it just changes the way that you look at kind of Life generally um but I would say this one it's a little flu flu but Miracle equation by Hal Hal Elrod um who did the miracle morning um this one came after that but it it's great because it's it just the the main line which is unwavering Faith plus   extraordinary effort equals Miracles I mean if you just kind of I use that as a mantra because it's like you know gets tough right like and you've got to be consistent and you've got to do it over and over again and when you're an entrepreneur or you're a business owner or even if you're an investor and you're trying to get out of your W2 you're 9 to5 like you don't know if it's going to have a happy ending so you have to have unwavering faith and if you do have that faith and you do keep putting in the   consistent effort it's going to work out in the end yeah absolutely I have read that book too it's one of my favorite also and all right so what is the one advice that you like to give to at least any business or investment advice yeah um pay for help pay for Speed um you know you can you can sit here and um figure it out yourself you can go to YouTube University you can go to chat GPT um you can listen to all the podcasts and read the books but nothing's going to accelerate your time like getting a coach or a mentor that's   already doing the things that you want to do um and don't be if you can't get them on board for free then pay them to do it um make sure you know what you're doing because a lot of people out there you know call themselves coaches and they're they're not they don't know what they're doing so be careful but if you find a good one don't be afraid to to pay money for that it it just blows my mind that you know people pay 40 50 $60,000 a year for a college education but then for you know a fourth of that   they could get direct Hands-On mentorship from somebody that's already doing exactly what they want to do and people don't want to do it it's you know they don't be afraid to pay for Speed don't be afraid to pay for help yeah just check out in detail what the coach has done for you know what exactly he's doing and what what he has done for different people yeah of course if it fits your yeah all right uh SE uh it was a pleasure talking to you and thanks a lot for all the details and information that   you provided to thanks Ted really appreciate it man oh before that I just missed one part how can decoding cash FL listeners get in touch with you for sure man I usually update my Links at Seth Paul bradley.com you can find all my social media links there and you can find links to tribe vest and and other things that I'm involved in if I'm raising capital for anything in particular but that's that's the best place to find all my links South paa bradley.com awesome man all right thanks a lot for   coming on the show my friend all right Ted appreciate it man thanks all right take it thanks for listening to decoding cash flow brought to you by Aster Capital if you found value in this episode then please share it with someone who you think could benefit from it and make sure to ask on what you've learned if you want Ted Patel to personally help you reach your goals then feel free to set up a one-on-one call with him also visit us at Aster capital.com for more free resources content of this podcast is for   informational purposes only as always please consult your own adviser before making any investment decisions or setting a course of action thanks again for joining us on this episode of decoding cash flow and we'll catch you in the next episode Links from the Show and Guest Info and Links: https://www.youtube.com/watch?v=a4xTU9T6CVA&t=375s https://www.linkedin.com/posts/astre-capital_astrecapital-podcast-finance-activity-7250610044331769857-4KgJ?utm_source=share&utm_medium=member_desktop&rcm=ACoAAFY-6nMBbbX5J6KeuEtIMcA9tcRG4F_1ItE https://www.instagram.com/p/DA_3q-BOWJm/ https://x.com/AstreCapital/status/1844844972295741635 https://fb.watch/zpTx6laLaU/ https://www.linkedin.com/company/astre-capital/ https://www.facebook.com/AstreCapital/ https://x.com/AstreCapital https://www.instagram.com/astrecapital/ Seth 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