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2 episodes with put them
2 episodes with put them
Sam gives an update on Trump's new appointments to his Revengers cabinet and their implications, shouts out Evan Greer's disruption of anti-trans bigot Rep. Nancy Mace, and underscores the qualitative changes in governance that fascism represents and calls for collective action against MAGA fascism NOW not waiting until atrocities are underway. Sam also discusses Trump's plans for mass deportations of at least 11 million people, drawing parallels to historical atrocities and emphasizing the urgent need for mass defense, disruption and disobedience to support our immigrant siblings and stop the fascists from implementing their nightmare program. This week we re-run two interviews featuring contributors to the June issue of The New Republic titled "What American Fascism Would Look Like." Emmanuel Guerisoli discusses his essay The "Day One" Dictatorship (co-authored by Federico Finchelstein). Emmanuel is a postdoctoral fellow at the Zolberg Institute on Migration and Mobility at the New School. He can be followed at @emmaGuerisoli. Then, Francisco Goldman discusses his essay From Texas to Massachusetts: On the border in a fascist America. Francisco is a novelist and journalist. His most recent novel is Monkey Boy, a Pulitzer Prize finalist. He can be followed on ex-Twitter at @PacoGoldman or on Instagram @franciscogoldman. Mentioned in this episode: “Put Them in Trauma”: Inside a Key MAGA Leader's Plans for a New Trump Agenda by Molly Redden and Andy Kroll, ProPublica, and Nick Surgey, Documented Ep 213: Fascist Riots in the UK, Fascist Plots in the US Border Militias Prepare to Assist With Donald Trump's Mass Deportation Plans by Tess Owen American Families United Act by Andrew Moriarity Trump 2.0 Poses an Even Bigger Threat to Migrants. Here's How We Fight Back. by Silky Shah Trump's border czar pick supports using Texas ranch for mass deportations by Alejandro Serrano How millions of US children would be hurt by Trump's mass deportation plan: ‘Deep harm is intentional' by Robin Buller Trump's Cabinet: Forging a Fascist Machine (revcom.us) Resources to spread the message, "In The Name of Humanity, We Refuse To Accept a Fascist America": Sticker Pack Printable Poster in color Printable Poster in black and white Refuse Fascism Shop Refuse Fascism T-Shirts: Original New (with slogan above) Find out more about Refuse Fascism and get involved at RefuseFascism.org. Find us on all the socials: @RefuseFascism. Plus, Sam is on TikTok, check out @samgoldmanrf. Support the show at patreon.com/RefuseFascism Music for this episode: Penny the Snitch by Ikebe Shakedown
Have a comment? Send us a text! (We read all of them)In this episode of Faithful Politics, investigative journalist Molly Redden from ProPublica joins hosts Will Wright and Pastor Josh Burtram to explore the controversial plans behind Project 2025, a blueprint for Donald Trump's potential second-term agenda. The discussion reveals how Russell Vought, a key MAGA strategist and former OMB Director, is shaping this initiative through his think tank, the Center for Renewing America. Redden highlights how the plan seeks to expand executive power, bypass Congress, and enforce sweeping budget cuts to diminish federal agencies like the EPA and IRS. The conversation also delves into Vought's ideological alignment with Christian nationalism, a movement that aims to merge faith-based principles with federal governance, reshaping the country's political and cultural landscape.Key topics include Vought's proposed legal frameworks for deploying military force against domestic protests, the broader implications of replacing career civil servants with MAGA-aligned loyalists, and the feasibility of achieving such radical government overhauls. With discussions on Trump's controversial cabinet picks, including figures like Matt Gaetz and RFK Jr., and the role of think tanks like the Heritage Foundation in drafting Project 2025, this episode provides a detailed analysis of the potential transformation of American democracy. Whether you're curious about the future of the federal government, Christian nationalism's influence, or the legal mechanisms shaping Trump's plans, this conversation offers a crucial look into the strategies behind a possible second Trump administration.Put Them in Trauma”: Inside a Key MAGA Leader's Plans for a New Trump Agenda: https://www.propublica.org/article/video-donald-trump-russ-vought-center-renewing-america-magaGuest Bio:Molly Redden is a reporter for ProPublica covering national politics and elections. She was previously a senior reporter on the national team at HuffPost, where she scrutinized Vice President Kamala Harris' record as a “progressive prosecutor” and helped reveal how Sen. Amy Klobuchar had abused her staff "The Faith Roundtable" is a captivating spinoff from the Faithful Politics podcast, dedicated to exploring the crucial issues facing the church in America today. Hosted by Josh Burtram, this podcast brings together faith leaders, theologians, and scholars for deep, respectful discussions on topics at the heart of American Christianity. From the intersection of faith and public life to urgent matters such as social justice and community engagement, each episode offers insightful conversations Support the showTo learn more about the show, contact our hosts, or recommend future guests, click on the links below: Website: https://www.faithfulpoliticspodcast.com/ Faithful Host: Josh@faithfulpoliticspodcast.com Political Host: Will@faithfulpoliticspodcast.com Twitter: @FaithfulPolitik Instagram: faithful_politics Facebook: FaithfulPoliticsPodcast LinkedIn: faithfulpolitics Subscribe to our Substack: https://faithfulpolitics.substack.com/
It's Hump Day! Sam speaks with Molly Redden, reporter covering national politics at ProPublica, and Andy Kroll, reporter covering voting, elections, & democracy at ProPublica, to discuss their piece of reporting entitled “Put Them in Trauma”: Inside a Key MAGA Leader's Plans for a New Trump Agenda. First, Sam runs through updates on the final six days to the US election, early voting numbers, RFK's ballot problems, Trump's threat to Police over mass deportations, the US economy, Israel's en masse slaughter of civilians in Gaza and Lebanon, and Elon Musk v. the NLRB, before briefly touching on the role of Kamala Harris' identity in voters' support of/aversion to her. Molly Redden and Andy Kroll then join, diving right into who Russell Vought is in the context of Trump's first administration (Director of the Office of Management and Budget), current campaign (policy director of the RNC platform committee), and the SUPPOSEDLY unrelated Project 2025 (co-author), before touching on the role he played in the evolution of the Trump team's knowledge of the administrative state, and – more importantly – how to dismantle it. Expanding on that latter element, Redden and Kroll parse through the first Trump administration's learning process in how to manage (and mismanage) the executive branch, forcing them to rely on career civil servants at the start who, annoyingly, cared about the work they were doing, before slowly pushing them out as Trump loyalists began to understand what they were doing, with a particular focus on the danger Trump's “Schedule F” poses to any remaining committed civil servants in the executive branch should he return to office. After tackling Russell Vought's outspoken support for the complete “traumatization” of these workers on their way out, Sam, Molly, and Andy look to the extensive plan Trump's team (and their Project 2025 buddies) have for a radical executive intervention beginning day 1 (should he become President), including relevant regulations and legal justifications, before they wrap up the interview by tackling what we can do (electorally and otherwise) to stop a second Trump Administration. And in the Fun Half: Sam reads Kowalski's reflections on a Nebraska Town Hall, JD Vance takes offense at people taking offense to being called “garbage” before going on to take offense to being called “garbage,” and Sandy from Ontario touches on Canada's recent elections. Derrick from Virginia objects to how MR has painted his campaign, Bruce from North Carolina on local feelings heading into the election, and Donald Trump discusses why we don't all have to get along. Hannity runs cover for Trump's fascist rally, Elon Musk continues to be a tiny sniveling weasel, and Rich from Missouri dives into the GOP's use of “ballot candy” to mislead and lure voters. Dave Rubin has some election theories, Charles from Virginia explores what an insurrection would look like without Trump in office, Jack from St. Louis on Missouri's judges, and Mike Johnson says the GOP has a healthcare plan. The MR Crew also watches Robbie Roadsteamer beautifully take the piss out of Steve Bannon and Hulk Hogan, plus, your calls and IMs! Check out Molly & Andy's piece here: https://www.propublica.org/article/video-donald-trump-russ-vought-center-renewing-america-maga Follow Molly on Twitter here: https://x.com/mtredden Follow Andy on Twitter here: https://x.com/AndyKroll Become a member at JoinTheMajorityReport.com: https://fans.fm/majority/join Follow us on TikTok here!: https://www.tiktok.com/@majorityreportfm Check us out on Twitch here!: https://www.twitch.tv/themajorityreport Find our Rumble stream here!: https://rumble.com/user/majorityrep ort Check out our alt YouTube channel here!: https://www.youtube.com/majorityreportlive Join Sam on the Nation Magazine Cruise! 7 days in December 2024!!: https://nationcruise.com/mr/ Check out StrikeAid here!; https://strikeaid.com/ Gift a Majority Report subscription here: https://fans.fm/majority/gift Subscribe to the ESVN YouTube channel here: https://www.youtube.com/esvnshow Subscribe to the AMQuickie newsletter here: https://am-quickie.ghost.io/ Join the Majority Report Discord! http://majoritydiscord.com/ Get all your MR merch at our store: https://shop.majorityreportradio.com/ Get the free Majority Report App!: http://majority.fm/app Go to https://JustCoffee.coop and use coupon code majority to get 20% off your purchase! Check out today's sponsors: Delete Me: Take control of your data and keep your private life private by signing up for DeleteMe. Now at a special discount for our listeners. Today get 20% off your DeleteMe plan by texting MAJORITY to 64000. That's MAJORITY to 64000. Message and data rates may apply. See terms for details. Ridge Wallet: If you're tired of bulky wallets like I was, I highly recommend giving Ridge a try. It's truly changed the way I carry my essentials. Go to https://ridge.com/majority and use code MAJORITY for 10% off! Thanks to Ridge for sponsoring this episode. Follow the Majority Report crew on Twitter: @SamSeder @EmmaVigeland @MattLech @BradKAlsop Check out Matt's show, Left Reckoning, on Youtube, and subscribe on Patreon! https://www.patreon.com/leftreckoning Check out Matt Binder's YouTube channel: https://www.youtube.com/mattbinder Subscribe to Brandon's show The Discourse on Patreon! https://www.patreon.com/ExpandTheDiscourse Check out Ava Raiza's music here! https://avaraiza.bandcamp.com/ The Majority Report with Sam Seder - https://majorityreportradio.com/
Pastor Glenn continues his deep dive into the book of James, and takes a closer look at chapter 5 verse 12. This message is titled "Put Them to Good Use" and was taken from the full Sunday Morning Worship Service, on April 14, 2024.
When was the last time you did something nice for someone? Did you notice how their eyes shine bright like a diamond? How about their smile? Did it become as big as the Grand Canyon? When people become this happy from others making nice gestures, it creates a warm feeling they'll never forget. This is why sales representatives should take advantage of this, and Donald Kelly is here to tell you why. In this episode of The Sales Evangelist podcast, Donald explores the importance of showing appreciation to prospects and clients as a sales professional. Listen to this special Thanksgiving episode for seven powerful ideas to help you build stronger and lasting client relationships. Utilize LinkedIn Sales Navigator Donald recommends creating a list on LinkedIn that includes all of your customers and prospects. This lets you be notified whenever they change jobs, get promoted, or leave their company. Acknowledging these developments and sending a personalized message demonstrates that you care about your client's success. Put Them on Blast Highlighting your clients on social media platforms such as LinkedIn is a powerful way to show appreciation. Posting about their achievements, charity work, or unique offerings not only acknowledges and recognizes them, but also boosts their visibility and reputation. This gesture can go a long way in building stronger relationships and fostering goodwill. Consider Appropriate Gifts While gifts may not be suitable for all industries or clients, sending a thoughtful gift can leave a lasting impression for those where it is feasible. Be mindful of any restrictions or guidelines and choose a gift that aligns with the client's interests or preferences. A small gesture, such as a fruit basket or an edible arrangement, can go a long way in showing appreciation. Offer Referrals Actively seek opportunities to refer your clients to others in your network. Your efforts to connect them with potential prospects show you value their business and believe in their products. Referrals can lead to long-term partnerships and significant business growth, making this strategy a win-win for both parties. Send Personalized Emails A simple, heartfelt email can go a long way in showing appreciation. Craft a personalized message expressing your gratitude for their support and how much you value their partnership. Keep the email genuine and focus solely on expressing gratitude without any sales pitch or ulterior motive. This gesture will leave a positive impression and show that you genuinely care about your client's success. Consider Upgrades Consider offering upgrades to higher tiers or additional features for loyal and exceptional clients. This shows that you recognize their value and are willing to invest in their success. Offering upgrades not only enhances their experience with your product or service but also encourages them to advocate for your brand, potentially leading to additional revenue. Donate to Charities Research the charitable organizations that your clients support or are passionate about. Donate to those organizations on your clients ' behalf during specific times of the year or trigger events and inform them about it. This not only demonstrates your commitment to social responsibility but also showcases your attentiveness to their interests beyond business transactions. If you would like to show appreciation to Donald, consider donating to his favorite charity, A Bed for Me. In this episode, Donald Kelly emphasizes the importance of appreciating prospects and clients as a sales professional. By incorporating these strategies throughout the year, sales professionals can strengthen relationships, build trust, and pave the way for long-term success. Remember, a little gesture of appreciation can go a long way in positively impacting both your business and the lives of those you serve. "Show your appreciation. Your words matter. These are simple gestures from you for sending that email. Just because. You are absolutely amazing. I just want to send you an email and tell you thank you. No tricks, no gimmicks here. It's a pleasure working with you." - Donald Kelly. Resources A Bed for Me Foundation Donald C. Kelly on LinkedIn Sponsorship Offers This episode is brought to you in part by Hubspot. With HubSpot sales hubs, your data tools and teams join a single platform to close deals and turn prospects into pipelines. Try it for yourself at hubspot.com/sales. 2. This episode is brought to you in part by LinkedIn. Are you tired of prospective clients not responding to your emails? Sign up for a free 60-day trial of LinkedIn Sales Navigator at linkedin.com/tse. 3. This episode is brought to you in part by the TSE Sales Foundation. Improve your connection on LinkedIn and land three or five appointments with our LinkedIn prospecting course. Go to the salesevangelist.com/linkedin. Credits As one of our podcast listeners, we value your opinion and always want to improve the quality of our show. Complete our two-minute survey here: thesalesevangelist.com/survey. We'd love for you to join us for our next episodes by tuning in on Apple Podcast, Google Podcast, Stitcher, or Spotify. Audio provided by Free SFX, Soundstripe, and Bensound. Other songs used in the episodes are as follows: The Organ Grinder written by Bradley Jay Hill, performed by Bright Seed, and Produced by Brightseed and Hill.
I'm out of the country so I'm posting one of my least played blogcasts. This is the tenth episode! From all the way back in 2016. It features an original song that I gave NO context for whatsoever. I feel I must have explained it later? Here's the intro of the piece, though: Over the years I've been a part of various schemes that are meant to help artists. Most of the schemes in NYC are schemes to improve our business skills, to make us bigger and more solid institutions. These make me nuts for reasons I have discussed many times before but recently, I've been involved in schemes that are meant to help give me ideas and inspirations. These make me nuts in a very different way. I have so many ideas, folks. I have ideas for breakfast, ideas for lunch, ideas for afternoon tea, dinner and midnight snack. I am rolling in ideas. And I am grateful for that abundance of ideas. I feel I can never have too many – so I am always happy to be a part of something meant to increase my inspiration. But ideas are never my problem. It's like ideas are glitter. Glitter is wonderful. It makes everything it touches sparkle. Every time someone gives me more glitter, I'm going to be happy to receive it. To keep reading Ideas, Glitter and Places to Put Them, visit the Songs for the Struggling Artist blog. This is a rebroadcast of Episode 10 Song: Se Potessi Parlare - an original song by Emily Rainbow Davis Image via Pixabay To support this podcast: Give it 5 stars in Apple Podcasts. Write a nice review! Rate it wherever you listen or via: https://ratethispodcast.com/strugglingartist Join my mailing list: www.emilyrainbowdavis.com/ Like the blog/show on Facebook: https://www.facebook.com/SongsfortheStrugglingArtist/ Support me on Patreon: www.patreon.com/emilyrdavis Or help me get to Crete on Kofi: http://ko-fi.com/emilyrainbowdavis or PayPal me: https://www.paypal.me/strugglingartist Join my Substack: https://emilyrainbowdavis.substack.com/ Follow me on Twitter @erainbowd Me on Mastodon - @erainbowd@podvibes.co Me on Hive - @erainbowd Instagram and Pinterest Tell a friend! Listen to The Dragoning here (it's my audio drama) and support via Ko-fi here: https://ko-fi.com/messengertheatrecompany As ever, I am yours, Emily Rainbow Davis
Charlotte Burgess-Auburn, the Director of Community at Stanford University's world-renowned Hasso Plattner Institute of Design (the d.school), joins me on Passion Struck to discuss her book "You Need a Manifesto: How to Craft Your Convictions and Put Them to Work." In This Episode, Charlotte Burgess-Auburn And I Discuss Her Book "You Need a Manifesto." In our interview, Charlotte outlines the challenges of information overload that are ubiquitous in today's society. She emphasizes the significance of developing a personal motto or mantra to confront everyday obstacles and tasks, guiding how to infuse your life with greater purpose. Charlotte explains how to collect, curate, and craft your own manifesto that you can use as an everyday tool for making decisions and taking action. Full show notes and resources can be found here: https://passionstruck.com/charlotte-burgess-auburn-how-to-recruit-yourself/ Brought to you by Green Chef. Use code passionstruck60 to get $60 off, plus free shipping!” Brought to you by Indeed. Head to https://www.indeed.com/passionstruck, where you can receive a $75 credit to attract, interview, and hire in one place. --► For information about advertisers and promo codes, go to: https://passionstruck.com/deals/ Like this show? Please leave us a review here -- even one sentence helps! Consider including your Twitter or Instagram handle so we can thank you personally! --► Prefer to watch this interview: https://youtu.be/_YhDBsEmDH4 --► Subscribe to Our YouTube Channel Here: https://www.youtube.com/c/JohnRMiles Want to find your purpose in life? I provide my six simple steps to achieving it - passionstruck.com/5-simple-steps-to-find-your-passion-in-life/ Want to hear my best interviews from 2022? Check out episode 233 on intentional greatness and episode 234 on intentional behavior change. ===== FOLLOW ON THE SOCIALS ===== * Instagram: https://www.instagram.com/passion_struck_podcast * Facebook: https://www.facebook.com/johnrmiles.c0m Learn more about John: https://johnrmiles.com/
Action Plan: https://jimharshawjr.com/ACTION Free Clarity Call: https://jimharshawjr.com/APPLY Do you sometimes feel like you're just going through the motions? If so, then it's time for you to create a life of meaning and purpose with the help of a manifesto. If you're a leader, it's easy to get stuck on a tough decision. If you're a parent, it's sometimes hard to know what the right decision is. If you're a human, you find yourself ruminating on a tough conversation you need to have. Not anymore! Through the brilliant work of Stanford d.school's Director of Community, Charlotte Burgess-Auburn, clarity of action and peace of mind is just one book away. Charlotte is the author of “You Need a Manifesto: How to Craft Your Convictions and Put Them to Work.” She also teaches classes on the role of self-awareness in creativity and design at the Stanford Design School. Previously, she worked at the MIT Media Laboratory. Join me and Charlotte in this episode of the #STFpod as she shares some specific steps that will make it easy for you to create your own manifesto— a simple but life-changing tool that can help you navigate life's challenges. If you don't have time to listen to the entire episode or if you hear something that you like but don't have time to write it down, be sure to grab your free copy of the Action Plan from this episode— as well as get access to action plans from EVERY episode— at http://www.JimHarshawJr.com/Action.
Episode 36 - and a "new" format of a shorter episode, amidst our usual guest interviews which will continue as normal... Today we don't have any guests in the "studio" because we're launching a new mini series of episodes with a specific focus. In this episode, Sarah reveals her big mission for 2023 - trail running "the length" of Scotland (exact details tbc!). Our intention is to document aspects of this journey from now through until the mission in August of this year. Jumping in amidst the "messy middle" (to reference a version of Glennon Doyle and We Can Do Hard Things podcast), in the very early stages of planning, Kristen and Sarah chat over Sarah's initial thoughts on this big Scotland adventure which has been in the works since 2017/2018. In this first episode, we cover topics including: - the origin of the idea - the route Sarah has currently mapped from the most southerly point in Scotland - the Mull of Galloway, to the most northerly point of the Outer Hebrides - the Butt o' Lewis - covering around 700kms on trail networks including - as referenced, the West Highland Way and the Hebridean Way. - the supported style of the mission The intention is to release future episodes in the lead up to the adventure in August 2023 covering other topics related to planning a long multiday mission like this. Sarah mentions the International Appalachian Trail and also references a couple of books - The Pants of Perspective, by Anna McNuff - and (couldn't remember the name of!) You Need a Manifesto - How to Craft Your Convictions and Put Them to Work. Charlotte Burgess-Auburn. If you have any questions for Sarah for future episodes in this mini series or would like to follow more of her journey, you can find her on Instagram at @allthegearnaeidea If you are keen to help keep the lights on for this podcast, you can support us on Patreon, or you can leave a review on whatever platform you listen to podcasts on like Apple or Spotify. Thank you for the continued support from all of our listeners and patrons - we love and appreciate you all!
A new MP3 sermon from Faith Baptist Church is now available on SermonAudio with the following details: Title: Put Them in Remembrance - Part 2 Subtitle: Put Them In Remembrance Speaker: Morris Hunsucker Broadcaster: Faith Baptist Church Event: Sunday School Date: 12/11/2022 Bible: 2 Timothy 2:14-21 Length: 43 min.
Creativity. Invention. Collaboration. Three skills that are at the heart of design, and the center of great thought leadership. Many people narrowly define "designing," whittling it down to simple artistic talent; drawing, painting, or other traditional crafts. But design is a huge world of possibility, covering thousands of mediums and a fantastic variety of skills that drive creativity, spark invention, create authentic connection, and encourage collaboration. Charlotte Burgess-Auburn is a self-described artist, educator, and extroverted introvert. She's also the Director of Community at the Stanford d.school, where she teaches the role of self-awareness in creativity and design. Her book, You Need a Manifesto: How to Craft Your Convictions and Put Them to Work, is an essential "how-to" for crafting a guiding document that establishes your intentions, increases your creativity, and helps you maintain focus and conviction as you push toward your goals. Charlotte's role as Director of Community started in the very early days of the school's establishment, and she's always been a creative force, helping the d.school's growth. Unlike the typical slower pace of research, the d.school specializes in swift cycles, rapid iteration of design, and innovative thinking. Charlotte discusses that cycle, and shares how her role has evolved from connecting with students, running info sessions, and encouraging the school's growth, to overseeing a larger group of people who collectively help students learn "thought design skills" that will help them excel when they enter the larger world outside of Stanford. One of the ways Charlotte explains her role is as "a champion for self-awareness," helping designers and tech producers understand each other's function, needs, and dependencies, and work better together. Too many people think of design as a soft, easy-to-master skill - and they'd be wrong! Design thinking shapes goals, builds connection with the audience, and sparks creativity and curiosity. Charlotte shares how she prepares students to deal with difficult critiques, giving them the resources to work with feedback so that both designers and tech creators understand why both sides of the coin are necessary to create a valuable whole. There's no substitute for true creativity and invention, and design thinking elevates any craft, moving it from "what gets it done" to "how can we solve problems, drive innovation, and foster collaboration?" That's the heart of thought leadership, and that's where Charlotte's insights shine. Three Key Takeaways: * Design skills such as creativity, collaboration, and rapid iteration, are essential to leadership roles. These "soft skills" elevate the game. * Being comfortable with change and learning how to think on your feet builds the capacity to handle even the toughest challenges. * Connections and relationships are important - even when they're outside your field. Learning from those with different skills and interests broadens your understanding, and makes you a better leader.
A new MP3 sermon from Faith Baptist Church is now available on SermonAudio with the following details: Title: Put Them in Remembrance Speaker: Morris Hunsucker Broadcaster: Faith Baptist Church Event: Sunday School Date: 12/4/2022 Bible: 2 Timothy 2:14-26 Length: 40 min.
Manifesto can be a charged word, but Charlotte Burgess-Auburn, Stanford d.school professor and author of the new book You Need a Manifesto: How to Craft Your Convictions and Put Them to Work, says it's time to reclaim it. In this interview, she walks Leah through what putting your own values and priorities on paper can do to clarify your path, and the 5 C's of manifesto creation. Follow Charlotte on LinkedIn Follow Leah and In The Arena on LinkedIn
In this episode, the Crone & Safe focus on another concept that forms the basis of many of their beliefs The Concept of Balance and how it’s an ideal. The featured Witchstone Card is the eighth and final mental concept card which features the “X”. Finally, this week’s Tip, Trick, or Witchy Hint talks about Writing Sigils and Interesting Places to Put Them. The post The Concept Of Balance appeared first on WebTalkRadio.net.
Success Secrets Learn the Secrets of Real-Life Millionaires – and Put Them to Work For YOU! Discover the exact process thousands of action-oriented individuals have used to become millionaires 1 Dream Big Dreams 2 Develop a Clear Sense of Direction 3 See Yourself as Self-Employed 4 Do What You Love to Do 5 Commit to Excellence 6 Work Longer and Harder 7 Dedicate Yourself to Lifelong Learning 8 Pay Yourself First 9 Learn Every Detail of Your Business 10 Dedicate Yourself to Serving Others 11 Be Absolutely Honest with Yourself and Others 12 Determine Your Highest Priorities and Concentrate on Them Single-Mindedly 13 Develop a Reputation for Speed and Dependability 14 Be Prepared to Climb from Peak to Peak 15 Practice Self-Discipline in All Things 16 Unlock Your Inborn Creativity 17 Get around the Right People 18 Take Excellent Care of Your Physical Health 19 Be Decisive and Action Oriented 20 Never Allow Failure to Be an Option 21 Pass the “Persistence Test” Conclusion: Success Is Predictable Brian Tracy is a Canadian-American motivational public speaker and self-development author. He is the author of over eighty books that have been translated into dozens of languages. His popular books are Earn What You're Really Worth, Eat That Frog!, No Excuses! No B******t Excuses --- Send in a voice message: https://podcasters.spotify.com/pod/show/michael-kaagee-mante/message
Write These Things Down and Put Them on the Wall Episode 170
In her exploration of life in rural Australia, author Yumna Kassab draws on horror, crime and gothic inspiration to craft a thematically linked experiment in form and style. She speaks to us about her own experiences of rural life and how her science background has influenced her experimental approach to writing. Plus, James pitches her writing on the Pilliga as Australia's answer to The Blair Witch Project. Yumna Kassab is a writer from Western Sydney. She studied medical science and neuroscience at university. Her first book, The House of Youssef, was listed for prizes including the Victorian Premier's Literary Award, Queensland Literary Award, NSW Premier's Literary Award and The Stella Prize. You can buy a copy of 'Australiana' from your local bookshop, Booktopia or wherever else books are sold. Books and authors discussed in this episode: Cold Enough for Snow by Jessica Au; Karl Ove Knausgaard; Blindness by Jose Saramago; Huckleberry Finn by Mark Twain The Autumn of the Patriarch by Gabriel Garcia Marquez; Ducks, Newburyport by Lucy Ellmann; The Dangers of Smoking in Bed by Mariana Enríquez Divorce Is in the Air by Gonzalo Torne; Raise the Titanic by Clive Cussler; Childhood's End by Arthur C Clarke Find out more about Denizen here and check back for event details leading up to its release on July 19 2022! Join Ashley for Put Them on the Edge of Their Seat, a workshop on crafting narrative tension. Saturday 11 June, 1-4pm in person at KSP Writers' Centre, Perth. Get in touch! Ashley's website: ashleykalagianblunt.com Ashley's Twitter: @AKalagianBlunt Ashley's Instagram: @akalagianblunt James' website: jamesmckenziewatson.com James' Twitter: @JamesMcWatson James' Instagram: @jamesmcwatson
Josh and Sarah talk about their experience in Atlanta and a Jack White concert they saw before reading listener stories about bad weddings, friends that do very illegal things, and risers. Support BLM in any way you can: https://blacklivesmatters.carrd.co/ SUBMIT STORIES HERE: https://forms.gle/aPmnqSbFn9RoMGwc9 Patreon: https://www.patreon.com/apwstr BuyMeACoffee: https://www.buymeacoffee.com/apwstr Email: apodcastwillsavethis@gmail.com Instagram: https://instagram.com/apodcastwillsavethis Facebook: https://facebook.com/apodcastwillsavethis Spotify: https://open.spotify.com/show/34h3y5ZdR3uPjlbSghF5q2 YouTube: https://www.youtube.com/channel/UCQWbxG7jntrR6-7LW9TUVJw Soundcloud: https://soundcloud.com/apodcastwillsavethis Josh's stuff: Music: https://distrokid.com/hyperfollow/fsyabeats/lost-2 YouTube: https://www.youtube.com/channel/UCxvkF3dUJX3CycAAl1NgKaw Twitter: https://twitter.com/joshuachinlund Twitch: https://twitch.tv/aguynicknamedjc Instagram: https://instagram.com/aguynicknamedjc Art Store: https://redbubble.com/people/joshchin?asc=u Sarah's stuff: Personal Instagram: https://www.instagram.com/squinton27 Personal Twitter: https://twitter.com/squinton271 SoundCloud: https://soundcloud.com/user-232389589 Music Instagram: https://instagram.com/shut.up_sarah Music Twitter: https://twitter.com/sarah_shut 00:00 - Cold Open 01:40 - Jack White, and APWSTR v. Atlanta 48:19 - Listener Stories Start 49:02 - AITA: GF Talked to a Guy??? 01:01:23 - Parents Didn't Take Injuries Seriously 01:10:30 - AITA: Cut Out Family From BF 01:17:55 - AITA: Dropped Best Friend, Put Them on Offender's List 01:25:52 - AITA: Telling BF I Don't Want to Work 01:39:58 - AITA: Making Room For Friend on Risers??? 01:55:52 - AITA: Not Going to Niece's Wedding 02:10:51 - Don't Want Sister at Wedding Intro: Let That Sink In by Lee Rosevere https://leerosevere.bandcamp.com/album/music-for-podcasts-6
2022 is upon us! On Leap of Fate Pod 79, we share How to Set Goals for 2022? This will help you plan out what areas in your life to set goals and how to create tangible benchmarks for yearly, monthly, weekly, and daily goals to achieve these!What we go over:5 Essential Guidelines for Your Goals1. Be SpecificWhat do you want to achieve? What's the plan to achieve this? Look out for any roadblocks that could keep you from reaching your goal, factor these in.2. Make Goals MeasurableBreak your goal setting into bite-size chunks. Give yourself daily, weekly and monthly steps to take.3. Give Goals a Time LimitIt's important to set a time limit—because you need a finish line. Take that goal of yours, create a plan, and break it all the way down to daily activities. Then, give yourself a deadline. 4. Goals Need to Be YoursLet's be honest—trying to go after someone else's goals for your life never works out. You need to have inward motivation to achieve the goals.5. Put Them in WritingSomething special happens when you write down specific goals. So get them down on paper, along with all the steps it'll take for you to make them happen.The 7 areas in your life to set goals:1. Spiritual Goals2. Fitness Goals3. Educational Goals4. Family Goals5. Career Goals6. Social Goals7. Financial Goals2022 goal setting shouldn't be tough! Use this podcast to help you with how to set up goals to ensure you have a great 2022 and accomplish your goals!Support the show (https://www.youtube.com/channel/UCrmJ8rY4ivAKnN3zG0W-1_A)
Have you ever found yourself in the fast-lane, speeding toward a destination you thought you wanted to reach, only to look around and realize that you were on the wrong track altogether? Today's guest, best-selling author Linn Random, can definitely relate. After getting what was, in hindsight, some really encouraging feedback from big-name publishers in college, she gave up on her writing dreams and became a high-powered sales and marketing exec. Now she applies those superpowers to her true calling: writing and, even more importantly, getting her writing into the hands of the right readers. In this episode, you will learn the basics of book marketing, including: 2:00 - learning who you really are 9:00 - clarifying your "high concept" 14:00 - connecting your concept to your audience's emotions 18:30 - identifying your target audience 22:00 - how to get your audience to come to you You'll also learn about my upcoming book, Release Your Masterpiece: A Powerful Guide to Discover Your Authentic Gifts and Put Them to Good Use (releaseyourmasterpiece.com), which will be available for presale at the end of November 2021. In fact, next week, I'll be in Columbia meeting with my amazing Red Thread Publishing (redthreadbooks.com) book launch team and filming the video portions of the Release Your Masterpiece course, which is designed to transform unhappy employees and struggling freelancers into successful Creators. That means the FINAL EPISODE of That's Aloud will air Thursday, November 11th. That's right, this is the second-to-last episode of That's Aloud, Season 4: Hindsight 2020. And as of now, I'm not planning a Season 5. This has been an incredible experience, and I'm beyond grateful to every amazing guest who has come on here to boldly share the story the world isn't getting. If you'd like to continue your journey to authentic, aligned, creative living, please come join the party at releaseyourmasterpiece.com! Watch the video: https://youtu.be/Wj1kqmetbkM Read the Transcript: https://www.thatsaloud.com/post/believe-in-your-book-w--linn-random --- Support this podcast: https://anchor.fm/thats-aloud/support
Marco Santarelli is an Investor, Author, Inc. 5000 Entrepreneur, and the Founder of Norada Real Estate Investments – a Nationwide Provider of Turnkey Cash-Flow Investment property. His Mission is to help 1 million People Create Wealth and Passive Income and Put Them on the Path to Financial Freedom with Real Estate. He's also the host of the top-rated podcast – Passive Real Estate Investing. In this episode we talked about: Current State of the Economy The Pandemic vs Great Recession Property Appreciation Valuation Importance of Rental Growth Inflation Mortgage Rates Real Estate Outlook 2022 Mentorship, Resources and Lessons Learned Useful links: https://www.noradarealestate.com/marco-santarelli/ https://www.linkedin.com/in/marcosantarelli/ Transcription: Jesse (0s): Welcome to the working capital real estate podcast. My name's Jesper galley. And on this show, we discuss all things real estate with investors and experts in a variety of industries that impact real estate. Whether you're looking at your first investment or raising your first fund, join me and let's build that portfolio one square foot at a time. Jesse (22s): All right, ladies and gentlemen, welcome to working capital the real estate podcast. My name's Jessie for galley and my guest today is Marco Sante. Reli Marco is an investor author, Inc. 1000 entrepreneur and the founder of neurotra real estate investments. The largest nationwide provider of turnkey cashflow, investment properties, and a returning guests. Marco, how's it going? Marco (44s): It's going great, Jesse. How are you? Jesse (46s): I'm doing fantastic. You know what, actually, before the show, I forgot to ask you, where are you joining us from today? Southern California. Same base, same spot. Marco (56s): Yes, but I am a fellow Canadian, so I grew up in Calgary. Jesse (1m 2s): That's right. That's right. We talked to, we talked a little bit about that last time on the show. Well, it's great to have a fellow Canadian on the show and just a west coast vantage point in the states. How's everything been going a lot is we were just kind of laughing at how long it's been since the last time. Last time we spoke on the podcast. Marco (1m 20s): Yeah. It felt like two months ago, but really it was about a year ago. So I can't believe how fast time flies. It's just crazy, but I know things, things have been, things have been humming along. I mean, we can talk about the economy in general, but things have been crazy over the last year and I'm sure it's been that way in Canada. You know, COVID kind of put a damper on things for a while, as you know, and I think it drove people a little crazy, not being able to go to the restaurants and do a lot of the things they normally do. And I think people just being cooped up at the house, especially with work, drove some people a little bit stir crazy, and now we're starting to see people come out and, you know, go to establishments and restaurants and, and, and everybody's like crazy busy because people are now wanting to do the things that they haven't been able to do for a long time. And I think it's the same in Toronto, if not everywhere else. Jesse (2m 11s): Yeah. I mean the roaring twenties is almost, it's just a, it's a bumper sticker at this point, but yeah, we definitely, I mean, our, our political landscape has been much more similar, I would guess to California then to Florida in terms of how long we were locked down for. And now we are starting to open things up, but yeah, for, for a long time there, we were just kind of shut down and, you know, like I said, we're, we're still kind of finding our way out of it. Marco (2m 38s): Yeah. Well, I'm glad things are opening up. You know, I, I, I personally believe that a lot of what we saw was had a political agenda and narrative behind it, and it was very much politically motivated or politically based with, you know, narratives behind it that were motivating at all. And, you know, blue believe what you want, go down any rabbit hole you like, but I'm just glad to see this thing moving, moving into or fading into the background because it's not good for a lot of businesses. Long-term it wouldn't be good for the economy. Certainly hasn't slowed down housing, but housing is being driven by fundamental principles. There's just a lot of reasons why housing has been so incredibly strong and COVID actually believe it or not helped propel that, not, not held it back. So, so anyway, we are where we are, you know, and we just gotta look forward. Now Jesse (3m 37s): I see you're, it looks like you're joining us from the office today. Has how have the, the regulations been, or I guess the kind of return to work right now in, in your area, are people in the office, are they kind of coming in when they, when need be? Marco (3m 53s): Well, as far as my company is concerned, my whole team has been remote right from the beginning. I've got, you know, my transaction coordinator in, and my assistant lives in Florida. I'm on the other side, 3000 miles away in California. And my whole team is mostly in California, but they're remote. However, I am in an office environment and I do have other people, you know, in the hall down the hall, it really hasn't affected most people, people for the most part come in when they want. But you know, we work from home. We work from the office and you do what you do, CA California, interestingly enough, California and New York and New Jersey have been probably the most strict in terms of COVID regulations and having, you know, moratoriums and all that kind of stuff, Texas, Florida, the salt water, the Southeast states have been pretty open, open about it, less restrictive and opened up sooner. And so people were able to go out sooner, get back to work sooner in a work environment, whatnot. At the end of the day, I think, you know, the economy just finds its way and, and people, you know, we try to stay in a capitalistic society and business just finds a way to do business. You know, people want to transact. People want to have Congress and, and, and so people just find a way to do it regardless of what regulations or restrictions they're there, but things are opening up everywhere right now. So it's, it's a good thing to see. And I, and I hope that's the case for Canada. Cause I know Canada has been even more restrictive than most of the U S you know, you've had these lights, you know, 14 day quarantines and all kinds of crazy stuff going on. Yeah. Jesse (5m 31s): It's a, it's one of those things where I think, like you said before, it we're moving, it's fading into the back, you know, fingers crossed, but yeah, it has been for sure. I know that, you know, I haven't, haven't read up on the latest, but not too long ago. The ability to come back into the country has been challenging. I've had people on the podcast where, you know, they've had to change, you know, we're coming into Montreal, but we, you know, we, can't not, we couldn't back then, that was only a month ago. So I'm like I said, fingers, I have to talk at the bigger pockets conference in new Orleans, in, in October, which I think it was rescheduled from September. So I'm hoping everything's all good. We, we are getting the vaccines rolling on their second. You know, everybody's getting the majority of people are getting their second vaccine. Jesse (6m 14s): So yeah, we'll, we'll see how it Jesse (6m 16s): Goes. But you know, one distinction, you know, in the midst of all this, and I've talked on the show about it is, you know, we look back at oh 6 0 7, you know, right into oh nine where you had the financial crisis. And one of the key differences aside from like the technical recession was that there wasn't a lot of capital sloshing around and we're in a very different environment right now. Like you said, the, the, the economy seems to find a way, but one big distinction is that even with activity slowing or had slowed down over the last year, there's a lot of capital. And, you know, as you know, for our industry that keeps the wheels turning. Marco (6m 55s): Yeah. So the, the, the credit issue back then was that there was too much loose credit and people were getting loans that couldn't qualify otherwise. And, you know, the running joke was, if you could fog a mirror, you could qualify for financing. And so there were all kinds of interesting loan products. In fact, there was financing up to 103% of the purchase price. So not only were you getting a hundred percent financing for the purchase, but you were getting an additional 3% to cover closing costs. So you were literally into deals for zero, zero out of pocket. And you know, the other running joke at the time was that there was, you know, what they called a, the ninja. Well, there was, I was going to say Nina first assets. And then they came to ninja loans, no income, no assets, no job. Really, if you just had a credit score, you qualified. So, but the problem was, this is, it's not so much that there was loose credit. People were taking advantage of loose credit to speculate. So they were buying real estate thinking there were investors, but they were really just investors in air quotes. And what I mean by that is they were gambling. They were purely speculating on the market going up and continuing to go up because they saw historically for years prices going up. And this is what a lot of people do. And I find a lot of Canadians sadly do this because all the Canadian markets are so inflated that the mentality is that real estate and investing is buying a property at a price, maybe high and holding it in the hopes that it goes up even higher. And so it's not, it's not even a buy low sell high, it's a buy high hope that it goes up higher and it will be worth something more later in terms of equity or I flip it and I, and I cash out my capital gains. Well, that's not investing at all. That's speculating investing is when you put in a dollar and you get a dollar 10 back, you know, you have to have cash on cash return. That's, you know, it goes beyond your cap rate with properties. It's what you put in. What am I getting back out every year on top of my investment, you can measure that in terms of cash on cash returns, that's investing the equity that builds with that is your long-term wealth creation. And that's where the wealth comes in from real estate investing. So you need to have all those pillars. You need to have all those, those legs on that stool. So you have to have the front end cash flow and the cash on cash return. Plus the equity growth over time. They didn't do that back in 2007, 6, 7, 8. In fact, that started back in 2004 and people were just speculating all along, mostly with new construction. And so that created a huge problem where we had all this inventory being built up in at a time when there wasn't enough demand to suck up or absorb all that new inventory coming on. When you compare that to today and what's been happening and over the last 3, 4, 5 years, the fundamentals in the market are completely different. This is true, pretty much all across the country, in the United States. And to a large degree in Canada where demand outstrips supply, we cannot keep pace to create new household formations each and every year for the demand for the, the demand that's coming out. First time, home buyers, households that are splitting, splitting out from, you know, being one pot or household. Now, you know, people moving out and looking for a rental or a place to buy people moving into the country, you know, net migration into the U S so, and then, you know, the people who've just been holding back plus you've got gen Z and gen Y that are also of age where they're now moving out of the house. So there's this tremendous demand, and there's not enough supply for it. So th th the dynamics today is different than what happened in oh 6 0 7 0 8, even though credit is still relatively widely available and historically cheap. I mean, we're talking at least in the U S we have 30 year fixed rate mortgages, conventional what we call conventional financing. So you could literally lock in for 30 years at one fixed interest rate, unlike in Canada, where you have to, you know, re re finance every three to five. So we can lock in at 3.3%, 3.5% today and have it for 30 years, super cheap money, super cheap money. Jesse (11m 6s): Yeah. You know, it's, it's funny. I think we've talked about it before, too on the show where it's the little, the small distant, or not necessarily small, but these distinctions between mortgage products in the U S and Canada, where, when I tell Canadians, or if a Canadian doesn't know that you can do a 30 year fixed product, it's kind of like, wow. But then on the flip side, Americans are always surprised when we say that we can port our mortgages pretty easily from bank to bank for a story from property to property. So, you know, you, you sell a property, you got 90 days, you can move it from TD to CIVC or, you know, from CIVC to Royal bank, whatever, I don't, I, as far as I know, that's not really something that happens in the states where you port, port your mortgage. Marco (11m 47s): Well, what would the advantage of, of doing that be other than, you know, trying to get a lower interest rate? Well, Jesse (11m 52s): Because our penalties are so high that if you're in a five-year fixed, and you're trying to say on year two, you sell the place and you're going to incur that penalty. It allows you to not incur the penalty because the mortgage is going to move from one property to the other, but stay with the same with the same financial institution. Marco (12m 10s): Yeah. I guess my question would be, how often do people actually do that? Jesse (12m 14s): I did it here because I was in a year, I think 3.7 or something of a five-year fixed term. But yeah, I mean, the other thing too, I guess, is the rates are slightly different. I know our mortgage rates are historically a little bit lower. I know I just secured a five-year fixed for 1.6, one that was about, let's call it three months ago. And I think, you know, what would a, what would a 30 year fixed right now in, in your area? W what, what would you get it at? Like 3% to two something? Marco (12m 48s): It depends on your credit, but roughly around three to three and a half percent, but again, keep in mind, you're locking that for 30 years. Yeah. Right. A lot of security there for, if you want it to do an adjustable rate, you can do it like a 3, 5, 7 or 10 year adjustable that then, you know, adjust after that period of time. And then, you know, it's locked for, or, you know, you lock it in for a 3, 5, 7 or 10 year period at a very low rate, no closer to the one point something you're talking about. But then after that, it becomes a variable rate. The thing with that is you can still take advantage of, you know, a one to 2% interest rate and then refinance it later. If, if, if the rates are a competitive offer, lower enough to refinance it and lock in again, that a lower rate after it, you know, it becomes a variable rate. So there's always ways to play with the, you know, the system and, you know, and, and take advantage of, of the available credit out there. So there's always a strategy. It's just what makes sense today, you know, in a, in a market like you're in, if you're in Vancouver, Toronto, or some of the coastal markets in the U S where property values are very, very high, and you can't get a good cash on cash return today, and your, your play is more equity game, whether it's a value add strategy, or you're looking at, you know, capital gains, because it's, you believe it to be a hot market that will continue for many years to come well, in that scenario, you're not focused on cashflow or cash on cash. So what you should be doing is lowering your debt service as much as possible by going for the lowest possible rate, because your, your strategy is, is equity growth or, or value add equity growth. And so you need to keep your debt service as low as possible. But if you're, if you're investing in a, in a market, like many of the markets we're in like the Midwest, south, south east, where your focus is both cashflow and equity growth, well, then you're probably better off just locking in a low rate on a 30 year fixed and just not bothering with it ever until you either pay it off. Or if rates continue to drop, you know, 2, 3, 5 years down the road, you refinance that at that lower rate, or to pull some cash out, some equity out in order to reinvest that equity into more property elsewhere. So you have to look at your overall strategy and that's how you choose the credit, you know, or loan product that makes the most sense for you and that property based on your strategy. Yeah, Jesse (15m 15s): And I think it was a, I think you did a newsletter or a post one time where you were talking about the four, you know, the four different ways that we make money as investors, you know, appreciation cash flow tax advantages, and then the amortization on your loan or return on equity. But I think you, you definitely hit the nail on the head when it comes to whether their coastal markets in the states, or whether you're in a lot of our Canadian markets, where appreciation is the one thing people look at. And, you know, there's a way to approach that, like you said, with value add, but I think that approach is even you, you need to even be more dialed in as an investor to accurately approach it. If your play is equity, you know, forced equity. And I think that comes into when you're starting to get into job growth, net migration, populate, population growth, starting to really look at the data when it comes to the fundamental metrics that would make, you know, a property appreciate or in conjunction with that. Like you said, have a value add strategy where you're literally forcing the, the NOI up. Marco (16m 22s): Yeah. Well, that sounded more like a statement than a question, but you're, but I think you underscore what I was saying, essentially that you, you need to consider what your strategy is and choose your markets, neighborhoods, properties, and the team all based around your investment strategy, what you're trying to do. And of course financing is just one piece of that puzzle that brings it all together. And I mean, if we can dive into any of that, if you want, but, but really that's very much case and, and, and property specific. So for, for yourself over Jesse (16m 57s): The last, you know, since we last spoke, are there geographical markets that you have now either shifted towards or continue to invest in? How are you looking at where you're investing and, and the fundamentals of those markets? Marco (17m 13s): Well, for me personally, I mean, my, my, my, my investment strategy has shifted. I, I was last in the last two years, I've been focused in Missouri and the Northeast, you know, Wisconsin and other, other markets up in the Northeast because it's very conducive to cashflow. I get good cash on cash return. So I can just park a relatively small amount of capital and get good cashflow and good cash on cash return. So for me, and particularly our clients, we're buying properties that range, I know this is going to sound crazy if you sit in there in the, you know, downtown Toronto, but we're talking properties that on the low end, 80 to a hundred thousand on the, on the upper end of this cashflow, you know, spectrum 140, 50, $160,000. Now we're talking three bedroom, two bath houses here, you know, it's, you know, for where I live, that, that you can't even build a garage, just Jesse (18m 8s): Say, your parking spot might be 70,000 squat, right? The reality is, Marco (18m 12s): Is every market is so different. This is why I keep saying until I'm blue in the face, that all real estate is local. Because even if you look at the smaller tertiary markets in Canada, you're going to find the same type of thing. You're going to find houses that range from 100 to $200,000, you know, we're talking single family detached. So you've got to put everything into perspective. All markets are are different and all real estate is local. It's not, there's no such thing as a national housing market. So, you know, so that's one, one investment type, you know, is if you're looking for cashflow, you want stability and just build a portfolio to produce cash on cash returns. That's where you focus, you know, the a hundred to $200,000 range. More specifically with us, it's like 80 to 160,000. These are single family detached, of course, there's duplexes, triplexes, fourplexes, but that's where a lot of our clients are focused that have that investment strategy. That's what they're trying to build as far as their portfolio. Now, you look at the other side of that spectrum, and there is people who are looking for are focused on more capital growth, meaning they want more appreciation right now than anything else. So I believe you still have to have positive cashflow or maybe just it's okay to be breaking even I don't particularly like that, but I certainly don't want a lot of properties in my portfolio or your portfolio for that matter to be all cashflow negative, because the question is, how long can you sustain that? And how long do you want to sustain a negative cashflow? Because you're pulling cash out of your pocket, or, you know, out of your savings account to feed the, and float your portfolio. So worst case scenario is you want to be basically break even net net. And what I mean by that is you're budgeting for vacancy. You're budgeting for maintenance and repairs. You want to budget for the complete operations, ongoing operations of your properties when you budget for that, and you still have a positive cashflow or break even that's okay for a period of time. But if you're focused and your strategy is capital growth, meaning you want appreciation, then you focus on those markets. And right now for us, we're focused in we're in about six Florida markets, two Texas markets peppering throughout the Southeast of the U S, which includes Tennessee, Georgia, Missouri, and then parts of the Northeast, the effect, a greater ring of the Chicago land area. Those are areas that are experiencing very strong price growth right now. In fact, it's kind of hard not to pick a market in the U S this year and last year, that's not experiencing incredible price growth and that's, and that's being, you know, going full circle. That's being driven primarily because of very, very strong demand and tight supply. I mean, that's just economics 1 0 1, you know, supply and demand. And that that's, that's the issue, but that's been a problem that's been going on for years and has accelerated going forward, where we're into 20, 22 and 2023. We're expecting to see that price appreciation in many of these markets drop from what we're seeing now is double digit down to single digit. Like, I mean, a healthy single digit, but still single digit. And that, you know, that adds up, but that's the other strategy. So you're either focused on cashflow and cash on cash return, or you're more focused on price appreciation without being a gambler like I was talking about before you don't want to be that speculator. And so I think three quarters of our markets right now are leaning towards price appreciation, just not because we control it and not because we purposely chosen those markets for that reason. There's other reasons why we choose markets, but they are just appreciating so strongly because they've got, you know, all, all, all the factors stacked up in its favor, as far as, you know, population growth, job growth, et cetera, et cetera, et cetera. So, so it just worked out that way. Jesse (22m 10s): So from, just from what you said initially there, in terms of the, the net net, say that break even point, and that's going to include, like you said, vacancy allowance, CapEx reserve, just studied curiosity, more a technical question. W what do you typically estimate for your properties to make sure that you have as a CapEx reserve? Do you do it as a percentage of a percentage of the total value of the property or use a different strategy? Marco (22m 37s): Well, if I understood the question correctly, what I do is for vacancy allowance, I budget for me, my baseline is 5% and 5% for vacancy and 5% for maintenance and repairs. Okay. So I'll always, but, but I'll adjust it depending on, on the condition of the property. Not that I'm buying properties that require work. I don't want deferred maintenance. I'm always buying, you know, like new, if not new, right. But I'll budget 5%. I'll adjust that up or down, depending on location and the type of property and, and any deferred maintenance, an age, and a few other things, but it'll go anywhere from 4% to 8% for vacancy five is my baseline. And for repairs and maintenance, again, I, I put down 5% and I'll adjust that up or down, depending on the age of certain items, like the mechanicals roof, HVAC, hot water tank, and a few other things. But, but I, I don't recommend going below 5%. It's okay to budget more. You're just budgeting for what's there. If you're running your numbers on higher numbers, like six, eight, or even 10%, and you're still cashflow positive and things pan out, you're happy with the numbers that you're seeing on your projections. Well, even better. Yeah. Yeah, for Jesse (23m 58s): Sure. And I mean, sometimes I know in, in some of the markets here that depending on the lender, it might be a requirement of them that, you know, you have to have X amount as part of the, as part of the loan in terms of, you know, when you get an inspection done, these things need to happen within 12 months, sign this, and, you know, otherwise you're not going to get approved for the loan. Just a further question on, on the underwriting process, when you do go into these markets, you know, you have to put some sort of estimate for, for, you know, price appreciation to be able to kind of walk that out to a end price, to, to have a reversion in your model. How do you approach that when you're, when you're giving investors potential returns on, on an investment? Marco (24m 41s): Well, there's two ways to do that. I don't like making appreciation projections because we, you know, you, you and I have no control over that. And it's exactly that it's, you're making the assumption. So there's two ways to do that. You, you can use a number between four and 6% as a longterm average. So you can just say over the course of, you know, multiple real estate cycles or over the course of 10, 20 years in a particular market, that it will over time average out to four to 6%. And one of the reasons why you choose that number, you know, a four to 6% is because what you're trying to do is match that up with, with the real rate of inflation, regardless of what the government's tell you, which is 99% of the time, it's just pure lies. You know, you want to base it on the real rate of inflation, which hovers around four to 6% in terms of real rates. So if you, if you project that out, you'll find that often that matches long-term historical averages for real estate. And as a side note, it's not that real estate prices are going up. It's that the current, the value of the currency is going down, our, our money is being inflated away, essentially what it really comes down to. Yeah, but if you want to be more specific about your projections, what you can do is look at historical growth rates within a particular market, weighing it more towards the near term than the long term, like far, far back historically. So it's what you might call an ex financial moving average. But if you look at what the market has been doing over the last 2, 4, 6, and eight years, that's probably more representative of what that market will continue to do for the next, you know, five to 10 years. But, but I think it's safe to be in the, in a range of three to 8% with probably four or 5% being a safe, fair expectation of appreciation over a longterm average. And again, it's, it's number one, that's based on the real rate of inflation, which in a perfect world, if everything was a constant, that's typically what you would see happen with real estate prices. However, the reason you don't see that always being four or 5%, why sometimes you see it a lot higher, even double vision. Sometimes you see it, you know, effectively zero or coming down, comes down to economics 1 0 1 supply and demand. That's the biggest driver of prices in the short term and locally is, is market supply and demand. But if those things were constant and never changed, real estate prices would change based on inflation. Yeah. Jesse (27m 27s): And I guess probably just a different version of that is, you know, w w we'll oftentimes look at the net opera or the rental growth, as opposed to the, the asset growth and capitalize, you know, with a larger apartments would capitalizing the, the NOI rather than the price. So for instance, if three, if your rent is growing at three, 4% or whatever that historic average is that you include the reversion, the big question is which cap rate do you use on the end? And, you know, that's, that's where it's more art than science, I think. Marco (27m 58s): Yeah. So you actually bring up a very good point because what I've been talking about applies to residential real estate, generally speaking one to four unit properties, because they are, they are valued and appraised based on market comparables. And so you're looking at, you know, what, what supply and demand is dictating prices to be in a particular area. And that's how you determine market value. However, it's slightly different when you talk about commercial properties, like what you're dealing with, you know, because the pricing is based on the net operating income of a property and the cap rate capitalization rate in local area. And that's how you determine the market value. So it's based more upon income than it is on sales comparables. However, there is a relationship and a correlation between the two, because if prices are going up in an area because of supply and demand, that's going to continue to push rents up. And as rents go up, your, your, your income goes up, your net operating income goes up and therefore the value of that, you know, the assessed value or the appraised value of that property goes up as well. So it may be a legging number, but if property values are going up sooner or later, rents are going to go up sooner or later, you're going to push your rents up in your S in your seven unit property or whatever you have, and that increases your NOI. And as long as you're, you know, expenses and utilities, aren't going up faster than, you know, the rates you raise your rents, your property values will go up too. Jesse (29m 30s): Yeah, that makes sense. I mean, even for our office properties, you know, if you're triple net leases, then yeah. It's NOI is really the big, the big aspect of what we capitalize. I want to get your thoughts. You touched on it briefly there, you know, I don't know what you guys are up to now in the states five or 6 trillion in terms of stimulus spending, but I'd want to get your thoughts on the environment that we're in as like from an inflation point of view, what your thoughts are on number one, the amount of money that's, that's been put into the economy and, and what you think the effects of that are, and just your general outlook on the direction that let's, let's say let's, let's talk U S centric first, and, and yeah. What, where do you see, where do you see this going over the next short term, short to mid term? Marco (30m 20s): Well, it's, it's, it's a little frightening to think of where this could go, you know, last year in the U S they, you know, they passed the cares act, and that was a $2.2 trillion injection of capital into the, you know, into the system and the economy. And, you know, that went all over the place, you know, went to businesses through a, you know, a paycheck protection program. You guys have something similar in Canada, it was injected into directly to the hands of, of individuals and consumers. So it went right down to, you know, into the economy right down to, you know, the consumer, what they did with, it was another question, you know, a lot of it was probably, you know, stashed away into savings. So it never actually flowed into the economy. It was just hoarded, but a lot of it was just blown. I'm sure there was a lot of people who went to Vegas. In fact, I just came back from Vegas and it's just amazing to see I'll, I'll say an air quotes, the types of people that are in some of the higher end resorts, like the Venetian, the wind and whatnot. It's like, okay, dude, I know you can't afford the rooms here, so where'd you get the cash, right. So that's kind of scary, but, you know, that was like a $2.2 trillion injection. And then following that there was an extension to the cares act, which was another 0.9 trillion. So in almost a full trillion dollars. And then, you know, we had more recently the American rescue plan, which is another $1.9 trillion. So all in all, we've had 5 trillion, which is 500, 5,000 billion dollars of, you know, you know, just creative from nothing currency that was pumped into the economy here. And, you know, if that wasn't a $5 trillion, wasn't enough, you know, they're already talking about the American jobs plan, which is another $2.7 trillion. And then who knows, I mean, there's also talk about this infrastructure bill, another infrastructure bill, that's going to be between two and 3 trillion. So if you add all that up, you know, we're approaching $10 trillion in addition to the existing debts and obligations that were already there, you know, that had built up over the last a hundred years, most of which has been built up over the last 10 to 15 years. So it's just an insane amount of capital that has been currency has been, you know, created out of thin air pumped into the, the U S economy. Most of it's staying within the U S not floating, you know, internationally, you know, through foreign aid and whatnot. So what does that, you know, what does that mean? Well, you know, without, without jimmying around with the system, ultimately it's going to lead to inflation and lots of it, and we're already seeing it. We've already seen it over the last year, especially with energy, healthcare, food, education, and whatnot. You know, some food prices have gone up literally 20 to 22% over the last 12 months, you know, meats and whatnot. So we're, we're seeing it all over the place and that's going to continue, you know, the wall street journal did a survey not too long ago. Very recently. I think it was in March, it was published in may and they interviewed or surveyed a whole bunch of economists. And they asked them the question, you know, what do you expect these latest rounds of stimulus will do if, you know, the ones that have passed, plus the ones that are coming, if it passes as far as U S inflation goes and how that will impact us over the next six months to three years. And really they were just trying to see, you know, do you think inflation is going to be below 2%, about 2% or over 2% without being specific about the number and a whopping 81% of those people who surveyed said that it's going to be higher than 2%. And we already know that the real rate of inflation has been four to five to 6% annually. In some cases it's been double digits. Like I was saying, you know, with food items, it's, it's been an upward of 20% or more. So this is not helping the housing sector. I mean, it isn't, it isn't, it's, it's certainly helping in the sense of you being an investor and being invested in real estate, because it's helping you, you know, in terms of price and you know, your debt. But if you're trying to get into the market, or if you're a homeowner or a ranch or trying to get into the market, or if it's your first home or you're trying to move up, you know, that that's, that's becoming sticker shock. Yeah. So, so are we going to expect to see more inflation? Yes. We've seen lots of it and we're going to probably see a lot more of it over the next, you know, three years. Jesse (34m 57s): Yeah. It's, it's really hard to, to get a kind of sense of the numbers. It's almost when you, like, when you're talking about the, you know, the, you're talking about the universe in terms of like the magnitude of these numbers, once you start getting into the trillions, I saw a really, I think, think it status does that basically tracks the, the package, the stimulus package by country. And I think, I think the states were around 26 or 20, 26 or 27% of GDP sounds about right. And we, we haven't been that far off either. I think we, we're not, we're not at that level, but yeah, I think for us, it's, it's over a hundred billion now with the much smaller economy, but I mean, at the end of the day, it's really part of the reason that we like real estate at, at the very least to try to hedge inflation to a certain extent. But I think, I think what people need to understand too, is that just because you're in real estate, it's not the hedge, like you said before, the value of your dollars are slowly going down. If we let this kind of continue, Marco (36m 5s): It is. And that's the beautiful thing about real estate is it's it's, it is, it is a hedge against inflation. I mean, you, you win on multiple levels, you know, as property values go up. It's, it's really not that the value is increasing. You know, the intrinsic value stays exactly the same, but, but what you call value is actually not value going up. It's price going up, price is going up because the dollar is being devalued. So it needs more, you need more of those dollars to buy the same, same piece of property with that intrinsic value. So the value today is the same as the value was yesterday. And it will be the same value as it is tomorrow. It's producing the same value. But the price for that is what's changing because of the currency being, you know, denom, debased. So that's how it's an inflation hedge, but where you really win as a real estate investor is, is if you have, let's say a hundred thousand dollars in debt on that property today. Well guess what that debt next year is going to be worth $95,000. Nothing has changed other than the value of the debt has gone down. And now you're paying the same monthly payments a year from now, as you are paying today. So you're paying off that debt with cheaper and cheaper dollars. So that $500 mortgage payment today, you know, in five years or 10 years from now is going to be a Starbucks coffee. So, you know, your, your, your, your dad is being evaporated away in your favor. And so, and that's great because your tenant is actually paying it off. Your tenants are paying it off. So that's the beautiful thing about inflation. Is it eats away at your debts and, and no mortgage that I know, no mortgage loan that I know I actually has a clause in it where it adjusts for inflation where every year it goes up 5% because inflation has gone up, it doesn't happen. So, Jesse (38m 1s): Yeah. Yeah. It's one of those things where, like you just said it very few industries where you can, you can download that expense to your customer, or at least, you know, pass on that cost to your customer, that costs have increased inflation. And, and we, we obviously try to do that on the commercial side with, with, you know, increases and the same thing on the residential. Yeah. So Marco, I want to be cognizant of the time here coming up to the end here and want you to leave us on a, on a positive note. So in terms of how you're looking at the next, the next while for yourself and rata, are there, you know, the areas you touched geographically, but are there opportunities that you're looking at that, you know, you're really, really excited about? What's, what's going on in your world over the next, the next little while? Marco (38m 48s): Well, I'll give you a big picture and a small picture answer to your question. So, so right now we're seeing, you know, all big picture stuff, economic growth, being a strong and consistent as it's been an improvement since you know, where we were a year ago, which was kind of early stages of COVID all the leading economic indicators are very bullish, very strong. So we expect things to continue economically speaking to hum along and be strong. You know, unemployment is coming down, you know, jobs. There's a lot of jobs out there. In fact, a lot of people are having a hard time hiring people, even with bonuses. McDonald's, there's a, McDonald's, that's offering $18 an hour as a starting wage. So, wow. So, you know, there's a little bit of demand for, for employment right now. When you see that kind of sign affordability, I still pretty darn good, you know, in terms of, of purchasing hard assets like real estate and, and, you know, cars and whatnot. So affordability, although it's, you know, getting weaker, it's dropping slowly, it's still there. And that's mostly driven because of very competitive interest rates. Consumer behavior has been very consistent. I mean, people are still spending money and buying shoes and this and that. So, you know, that that really hasn't changed much, much the, you know, the existing home market is healthy. We need more supply, but demand is strong. Same thing with the new home market demand is strong. We need more supply it's coming, but not as fast as we need it. And housing supply is good, but there's room for improvement there at a more granular level. I'm very bullish on real estate. Very optimistic. In fact, I'm, I'm in the middle of a transaction right now. I'm refinancing some properties and we have a lot of investors coming to us from the U S Canada and other places, looking to invest in the markets that we operate in because they can get the cashflow that can get the price growth. They have the tax benefits, they have the leverage, you know, th th th they have all the benefits working in their favor. You know, when people are thinking, you know what, we've had a really strong bull run for the last 3, 4, 5 years. You know, maybe it's too later. I missed the boat. Well, no, it's never too late. You know, when people ask me, you know, when's the best time to get involved in real estate. And I always say right now, because look, you can't go back in time. You can't, you know, go back to a place at a time where you missed out, but there's always a, there's always an opportunity. It's not a question of when to invest in real estate. It's always a question of where am I investing in real estate? And this is why we operate in, you know, 20 to 25 markets at any given time. It's because there's different things happening in different places around the country. And there's always opportunity. It's just a question of where are you in that local real estate cycle and, and the overall economic cycle to take advantage of what's going on. So you have investment capital. You want to put it to work. You want to generate income. You want price growth over time. You want the tax benefits, and you want to borrow other people's money in order to make those acquisitions all that's going on all the time. It's just a matter of where, not so much when. And so I'm, I'm always bullish, but I'm very bullish today because we just have a lot of things stacked in our favor with low interest rates, strong demand, lack of supply, continued growth, a strong economy, and we've got last but not least. And I can go on about this, but I think I'm making my point pretty damn clear right now, you know, we've got this thing going on, that I call shadow demand. So we talked about, you know, lack of supply and strong demand. Well, I'll make the demand part of the equation, even worse, if you will. Right now, we have a situation where the percentage of people that are ages 18 to 29 years old, essentially what we call young adults, it's been the highest. It is the highest right now that it has been over the last hundred years. So right now, 52% of young adults, people that are between the ages of 18 and 29 years old are still living with their parents for one reason or another. Well, guess what? They're not going to stay home forever. You know, they're, they're adults, and they're going to be looking for a place to go to move out to typically rent, but ultimately buy. And so where are these people going to go? I mean, there is a lot of this shadow demand, pent up demand for people looking for, or will be looking for rentals. Well, guess what, if you own property, good quality property, and good neighborhoods that you can make available to these people. You're on the winning side of that equation because you're going to get maximum rent and that will continue to increase as the years go on. So it's a good time to be buying real estate, Jesse (43m 39s): Right. I guess that's as positive as we're going to get here. Marco, you've obviously answered the questions on the previous podcast. So why don't we just ask you one question here before we wrap up and we can tell people how to connect any resources, podcasts, or books that, that you're into right now that you'd like to recommend to, to our listeners. Marco (44m 1s): That's a funny question. I'm actually rereading not my first time, of course, or maybe my second time, but I'm rereading the 20th anniversary edition of Robert Kiyosaki's rich dad, poor dad. And part of the reason why I'm actually rereading it is because I'm going through it with my daughter. I figured a good time to review it. Right. But it's been a long time since I first read it. How has it aged? It doesn't change. No, the fundamentals, you know, the principles stay the same, but I think it's, it's kind of like, you know, reading some, one of many books, like, you know, think and grow rich or many of those other fundamental foundational books to reread it once a year or once every two years, you know, just as a refresher. So I guess it, you know, it's not a new book, it's an older book, but I'll, I would recommend that one just because you know, it doesn't, it doesn't age. It's, it's still the number one personal finance book out there. So yeah, that, that, that would be definitely a book to read resources. There's tons of resources. I mean, there's obviously there's your podcast and show, you know, not to toot my own horn, but you know, there's my podcast, the passive real estate investing podcast. And of course the website where we post everything from the show is passive real estate investing.com. What else can I recommend? You know, I went to Amazon the other day and I did a search for real estate and there's like zillions of books. It's crazy. You know, there's no excuse not to spend 10 bucks for a damn book. Right. Get rich, get rich dad and then get, you know, cashflow quadrant three of those two. And you'll, you'll, you'll be mentally set. Yeah. Jesse (45m 44s): There's no, excuse. You know, I mean, it's 20, 21. You don't even need to read anymore. You just need to sit, but no, I appreciate it. We'll put a, we'll put that in the, in the show notes. And I can't say, I can't say enough good things about, about your podcast. It's always informative. You know, it's something where I constantly come back to, there's probably two or three podcasts in our, in the real estate space that I always come back to. And thank you. Yeah. And it's always great. Aside from that, Marco is there, if people want to learn a little bit more about neurotra or want to reach out to you, anything specifically, we can pop in the show notes to make that easy. Marco (46m 23s): Well, I'm going to be updating my free guide. It's like a 37 page primer on real estate. It covers a lot of stuff I talked about today and more so I'm going to juice it up a little bit, but it's called the ultimate guide to passive real estate investing. And it's just a free download on our websites. The two websites we have, I would start there. And, you know, and then of course, you know, the other resources we talked about, like your, your podcasts and the books and everything else. So I would encourage that. And also I, this is the year where I'm releasing the passive real estate investing book, and I'll be making that available for free. You know, you can get the paper back for a couple bucks just for the shipping, but if you want to download it, it'll be just a hundred percent free. And so if you download that guide, you'll get an email notification. When the book is released to, to go get, grab a copy of that as well. So if you're interested in that, just download the guide from one of our two websites at passive real estate, investing.com or our, our mothership website@noradarealestate.com. Jesse (47m 28s): My returning guest today has been Marco Centre, Ellie Marco, thanks for being part of working capital, Marco (47m 35s): Jesse. I appreciate you having me back on your show. It's been a lot of fun. Jesse (47m 46s): Thank you so much for listening to working capital the real estate podcast. I'm your host, Jesse for galley. If you liked the episode, head on to iTunes and leave us a five star review and share on social media, it really helps us out. If you have any questions, feel free to reach out to me on Instagram, Jesse for galley, F R a G a L E, have a good one take care.
No one like Malort or Truck Nuts. Reading Feedback from the Feedback with Gidget. Accolades Up The Wahoo! Bobby in The Wendi Zone. That Is SO Not My House! Great big test tubes. I'M DELETING THIS RIGHT NOW. Identity Thefted? You need to be a wizard to finish this quiz. Just Because You Have the Nuts Doesn't Mean You Need to Put Them on Your Truck. You bastard! You served Kenny! using my big boy brain. Don't get your Pussy Galore mixed up. How Many BeeBops to Harry Potter DingDongs? It's our time of the month and more on this episode of The Morning Stream.
No one like Malort or Truck Nuts. Reading Feedback from the Feedback with Gidget. Accolades Up The Wahoo! Bobby in The Wendi Zone. That Is SO Not My House! Great big test tubes. I'M DELETING THIS RIGHT NOW. Identity Thefted? You need to be a wizard to finish this quiz. Just Because You Have the Nuts Doesn't Mean You Need to Put Them on Your Truck. You bastard! You served Kenny! using my big boy brain. Don't get your Pussy Galore mixed up. How Many BeeBops to Harry Potter DingDongs? It's our time of the month and more on this episode of The Morning Stream.
For more than 40 years in the early 20th century, Martin Couney ran a sideshow in which premature babies were displayed in incubators. With this odd practice he offered a valuable service in an era when many hospitals couldn't. In this week's episode of the Futility Closet podcast we'll describe Couney's unusual enterprise, which earned both criticism and praise. We'll also marvel over an Amazonian survival and puzzle over a pleasing refusal. Intro: The inventor of the Dewey Decimal System suggested that GHEAUGHTEIGHPTOUGH might spell potato. John VI of Portugal listened to visitors through his throne. Sources for our feature on Martin Couney: Dawn Raffel, The Strange Case of Dr. Couney: How a Mysterious European Showman Saved Thousands of American Babies, 2018. Janet Golden, Babies Made Us Modern: How Infants Brought America Into the Twentieth Century, 2018. Elizabeth A. Reedy, American Babies: Their Life and Times in the 20th Century, 2007. Mhairi G. MacDonald, Mary M. K. Seshia, and Martha D. Mullett, Avery's Neonatology: Pathophysiology & Management of the Newborn, 2005. Jeffrey P. Baker, The Machine in the Nursery: Incubator Technology and the Origins of Newborn Intensive Care, 1996. David M. Allen and Elizabeth A. Reedy, "Seven Cases: Examples of How Important Ideas Were Initially Attacked or Ridiculed by the Professions," in David M. Allen and James W. Howell, eds., Groupthink in Science: Greed, Pathological Altruism, Ideology, Competition, and Culture, 2020. Nils J. Bergman, "Birth Practices: Maternal-Neonate Separation as a Source of Toxic Stress," Birth Defects Research 111:15 (Sept. 1, 2019), 1087-1109. Betty R. Vohr, "The Importance of Parent Presence and Involvement in the Single-Family Room and Open-Bay NICU," Acta Paediatrica 108:6 (June 2019), 986-988. Claire Prentice, "The Man Who Ran a Carnival Attraction That Saved Thousands of Premature Babies Wasn’t a Doctor at All," Smithsonian, Aug. 19, 2016. "When Preemies Were a Carnival Sideshow," Modern Healthcare 45:32 (Aug. 10, 2015), 36. Judith S. Gooding et al., "Family Support and Family-Centered Care in the Neonatal Intensive Care Unit: Origins, Advances, Impact," Seminars in Perinatology 35:1 (February 2011), 20-28. Magdalena Mazurak and Małgorzata Czyżewska, "Incubator Doctor and the Dionne Quintuplets: On the Phenomenon of Exhibiting Premature Infants," Dental and Medical Problems 43:2 (2006), 313-316. Elizabeth A. Reedy, "Historical Perspectives: Infant Incubators Turned 'Weaklings' Into 'Fighters,'" American Journal of Nursing 103:9 (September 2003), 64AA. Hannah Lieberman, "Incubator Baby Shows: A Medical and Social Frontier," History Teacher 35:1 (November 2001), 81-88. Jeffrey P. Baker, "The Incubator and the Medical Discovery of the Premature Infant," Journal of Perinatology 20:5 (2000), 321-328. Gerald M. Oppenheimer, "Prematurity as a Public Health Problem: US Policy From the 1920s to the 1960s," American Journal of Public Health 86:6 (1996), 870-878. Lou Ann Bunker-Hellmich, "A Case Study of Space Use and Visiting Policy in a Neonatal Intensive Care Unit," Children's Environments Quarterly 4:3 (Fall 1987), 25-32. Richard F. Snow, "American Characters: Martin Couney," American Heritage 32:4 (June/July 1981). Leo Stern, "Thermoregulation in the Newborn Infant: Historical, Physiological and Clinical Considerations," in George Franklin Smith, D. Vidyasagar, and Patricia N. Smith, eds., Historical Review and Recent Advances in Neonatal and Perinatal Medicine, 1980. Rutledge Rutherford, "Infant Incubators," Technical World Magazine 4:1 (September 1905), 68-73. Joanne Palmer, "'The Strange Case of Dr. Couney,'" Jewish Standard, Nov. 1, 2018. Heidi Stevens, "Saved by Science, Twins Displayed in Incubators at Chicago's 2nd World's Fair Are Now 84 and Nestled Happily in the Suburbs," Chicago Tribune, Aug. 30, 2018. Rick Kogan, "Mysterious 'Doctor' Couney Saved Thousands of Premature Babies -- and Put Them on Display at the Fair," Chicago Tribune, Aug. 25, 2018. Will Pavia, "Fairground 'Doctor' Who Saved Babies," Times, July 28, 2018. "How One Man Saved a Generation of Premature Babies," BBC News, May 23, 2016. Frank Eltman, "'Incubator Babies' Want Their Story Told," [Montreal] Gazette, Aug. 1, 2015. William Brangham, "How a Coney Island Sideshow Advanced Medicine for Premature Babies," PBS NewsHour, July 21, 2015. Michael Pollak, "The Incubated Babies of the Coney Island Boardwalk," New York Times, July 31, 2015. Michael Brick, "And Next to the Bearded Lady, Premature Babies," New York Times, June 12, 2005. Daniel B. Schneider, "F.Y.I.," New York Times, Dec. 13, 1998. "Martin A. Couney, 'Incubator Doctor,'" New York Times, March 2, 1950. "Incubator's Class of '39 Lifts Cups to Old Times," New York Times, June 15, 1940. Paul Harrison, "New York Letter," Brownsville [Texas] Herald, Aug. 8, 1933. "5,000 Babies Owe Their Lives to Gas Heat," Newark [Ohio] Leader, April 16, 1926. "Storks Are to Be Taken at the World's Fair Despite the Big War in Europe," [Clarksburg, W.Va.] Daily Telegram, Sept. 3, 1914. "Inventor Is Pleased," Minneapolis Journal, Aug. 4, 1905. Listener mail: Manuela Andreoni, "His Plane Crashed in the Amazon. Then Came the Hard Part," New York Times, March 28, 2021. Stephen Gibbs, "Crash Pilot Lives to Tell Tale of 38 Days Lost in the Amazon," Times, March 30, 2021. P.S.M. Chandran, "Why Age Fraud in Indian Sports Is So Prevalent," The Wire, May 6, 2020. Nagraj Gollapudi, "Age Fraud - BCCI Offers Amnesty Scheme to Players, Promises 'Stern Actions' to Curb Menace," ESPNcricinfo, Aug. 3, 2020. Shashank Kishore, "Indian Cricket's Age-Fraud Problem," ESPNcricinfo, June 28, 2019. "Afridi Reveals His Real Age – Sort Of," Cricket Network, May 3, 2019. "Shahid Afridi Reveals His Real Age in Autobiography," ESPNcricinfo, May 2, 2019. This week's lateral thinking puzzle was contributed by listener Jack McLachlan. Here's a corroborating link (warning -- this spoils the puzzle). You can listen using the player above, download this episode directly, or subscribe on Google Podcasts, on Apple Podcasts, or via the RSS feed at https://futilitycloset.libsyn.com/rss. Please consider becoming a patron of Futility Closet -- you can choose the amount you want to pledge, and we've set up some rewards to help thank you for your support. You can also make a one-time donation on the Support Us page of the Futility Closet website. Many thanks to Doug Ross for the music in this episode. If you have any questions or comments you can reach us at podcast@futilitycloset.com. Thanks for listening!
We stress tested Apple AirTags and discuss how tough they are, but we also look at how AirTags can enable stalkers. And there's news about Apple touting its App Store enforcement, the accommodations the company makes with China, and a Find My app exploit. Show Notes: App Store stopped over $1.5 billion in suspect transactions in 2020 XcodeGhost Malware Infected 100+ Million iOS Users and Apple Said Nothing Apple prevented 1 million risky/vulnerable apps from entering App Store in 2020 Inside Apple’s Compromises in China: A Times Investigation Find My Network Exploited to Send Messages Apple TV Color Balance Feature May Make Image Quality and Colors Worse Delivery text scams: the nasty new fraud wave sweeping the UK Amazon’s Ring is the largest civilian surveillance network the US has ever seen How Tough are AirTags? We Froze, Washed and Dried, Ran Over, and Put Them in the Hot Sun Apple's AirTags Can Enable Stalkers and Abusers Intego Mac Premium Bundle X9 is the ultimate protection and utility suite for your Mac. Download a free trial now at intego.com, and use this link for a special discount when you're ready to buy.
Cutting Through the Matrix with Alan Watt Podcast (.xml Format)
--{ "The Deceit of Elite: A War Declared by Elite for November Will Begin in Earnest in Red October, Such Open Treason All Should Remember, Put Them on Trial When Chaos is Over." © Alan Watt }-- Movie, The Matrix; People Raised to Be Batteries - Energy, Technocracy - WTO, WEF, UN - Working Together for a Better Tomorrow, Soviet Russia Communist China - Crystal Radio Sets, Early Television - Real World War, Psychological Warfare - Those at the Top; Psychopathy - GAVI, Private Companies Lobby Governments, Vaccines - Bolshevik Slaughter; Katyn - Total Surveillance of Every System - Carroll Quigley, Inter- Connecting Circles - Smart Cities - Footage of People Running into Mass Pits to Be Executed - Patter Merchants - Self-Help, Philosophy - Bertrand Russell, Scientific Tyranny - Sexual Revolution - The Business of Abortion - Human Biowaste - Collective Punishment - Remember to Please Visit www.cuttingthroughthematrix.com and Where You'll Find My Extensive Archive, DONATE and ORDER - Rubyat of Omar Khayyam - Intuition - Ruminate - The Crowd Wants Conformity - Problems for the Irish Sentinel, Interview with Neil Foster, Reality Bytes Radio; Demonology, Hammered When You Speak Out Against Evil - Malachi Martin Interview with William F. Buckley, Jr.; CIA - Dolly, Genetic Carrier - Egyptian Pharoahs, Reincarnation, The Five-Part Soul, The Opening of the Mouth Ceremony - Yeats, The Occult, Poetry, Ceremony - Crowley - Judaism, Kabbala; Immortal Gods; John Dee - Blavatsky, Blending Science and Spirit - Life Extension - Movie, The Island; Human Cloning - Religion; The Supernatural Gives Humans Rights - No Morality in Humanism - Julian Huxley, UNESCO, Knock Humanity Off its Pedestal; Co-Founder of Planned Parenthood - Gain-Of-Function - Calling Down Demons; Magi; Prince Charles, Olympians - Psychopathy versus Possession - Julian Huxley, Transhumanism; Merging with Computers - Bertrand Russell, Elite a Separate Species from the Rest of the Population - Bill Gates, Reimagining Education, Reimagining Police, Reimagining Everything; Gates Never Invented Anything, But He is Reimagining Your World - Kissinger, Biggest Enemy is Overpopulation - Milner Group, RIIA - International Revolutionary Party - The Withering Away of the Nation- State - Albert Pike, Freemasonry, End of Family, End of Private Property - Brzezinski's Book, Between Two Ages, Expect Media to Do Your Reasoning for You - War of Terror on the People by the Media, SAGE, Increase Anxiety of the Public, Hype Up Fear - In the 1990's, Both Bill Cooper and I said that People Would Come to Love Socialism - Wartime Scenario, Rationing, Comply with Every Order - Go to www.cuttingthroughthematrix.com to DONATE - The Great Reset - The Class System, Fear of Poverty, Snobbery - Movie, Rob Roy; Liam Neeson's Decision to Play Kinsey; Rob Roy was a Real Person in Scottish History, a Sort of Robin Hood for Scotland - Federal Reserve Chairman Jay Powell Wear Masks to Ensure Economic Recovery - Pregnant Victorian Mum Arrested for Planning Anti-Lockdown Protest - ‘Covid dissident' Violently Arrested after Backing Melbourne Anti-Lockdown Protest - Canada's Dr. Theresa Tam, Wear Mask During Sexual Activity - Atlantic Council Links to Anti-Trump Coup - Article about the Chinese Cultural Revolution - Covid-19 PCR Test is Scientifically Meaningless - Australia Extends Ban on People Leaving Country until December - World Economic Forum, Strategic Intelligence - Michel Chossudovsky, Covid-Gate, The Political Virus - Google, Verily, Censoring - The Fictitious World of Lawyers, Perry Mason - Auctioning Spectrum for 5G - World Economic Forum, Smart Cities; They will Know Your Thoughts - Flu Vaccine Now Required for all Massachusetts School Students - Australia, Darwin's ‘Smart City' Project: The Intersection of BLM, Big Data Tech and Climate Change - Ireland's Health Minister Defends New Rules that Require Pubs and Restaurants that Serve Food to Keep a Record of their Customers' Orders - Helena Handbasket article, “Spill the Beans!” By order of Stephen Donnelly - Scotland's GIRFEC - Louisville Removes Downtown King Louis XVI Statue - Chicago Gangs Form Pact To Execute Cops Who Draw Weapons On Suspects - College Students Across America Are Being ‘Sentenced to Isolation Prisons' - Invisible Policing: Smart Technology in Law Enforcement - African American History Professor at George Washington University Admits She's Been Pretending to be Black her Entire Career - Former Ministry of Justice Researcher Accused of Paying a Schoolboy for Sex - Downing Street Plans New Digital ID Cards for British Citizens - Donate to Keep These Blurbs Going - Video, Human 2.0"? A Wake-Up Call To The World - Spanish Doctor Tells Covid Facts on T.V. - Polls show Australian Public wants a 'COVID Jail' - Man Pepper Sprayed And Arrested On Train For Not Wearing Face Mask - Police Brutality - The Internet was Given to You for Surveillance - Keep Your Friends and Vow to Help Each Other Out No Matter What - Evil Needs Your Cooperation to Triumph - Cuomo said, I Can't Make You Do Anything - I Enjoy Reading All the emails Even Though I Cannot Respond to Them All; Thank You for Keeping in Touch. *Title and Dialogue Copyrighted Alan Watt - Sept. 6, 2020 (Exempting Music and Literary Quotes)
* Rush Limbaugh warns of ‘Your papers, please’ checkpoints in US. * President Donald Trump is eager to reopen the nation and says he has “absolute authority” to do so, but experts say the decision on when Americans can ditch coronavirus distancing and return to normal will ultimately be made by governors. * Sanders officially endorses Biden. * Field hospital gets quietly dismantled, didn’t see a single patient Johnathan Jones, The Western Journal. * A 97-year-old woman Gina Dal Colleto was discharged from a Brazilian hospital after becoming the country’s oldest patient to survive COVID-19. * The 2017-2018 Flu Killed 80,000 Americans, But No Hysteria or Shutdown. * Minnesota senator Dr. Scott Jensen: US Hospitals Get Paid $13K to List Patients as COVID-19 and $39K to Put Them on a Ventilator. The AMA is encouraging doctors to over-count coronavirus deaths. he told local media he received a directive from the Minnesota Department of Health to list COVID-19 as the cause of death on death certificates even if patients were never tested for it. * The US National Institutes of Health, a government agency, awarded a $3.7M research grant to the Wuhan Institute of Virology· * Charlton Heston’s son says ‘Ten Commandments’ deepened the actor’s faith. --- Support this podcast: https://anchor.fm/loving-liberty/support
* Rush Limbaugh warns of 'Your papers, please' checkpoints in US. * President Donald Trump is eager to reopen the nation and says he has "absolute authority" to do so, but experts say the decision on when Americans can ditch coronavirus distancing and return to normal will ultimately be made by governors. * Sanders officially endorses Biden. * Field hospital gets quietly dismantled, didn't see a single patient Johnathan Jones, The Western Journal. * A 97-year-old woman Gina Dal Colleto was discharged from a Brazilian hospital after becoming the country's oldest patient to survive COVID-19. * The 2017-2018 Flu Killed 80,000 Americans, But No Hysteria or Shutdown. * Minnesota senator Dr. Scott Jensen: US Hospitals Get Paid $13K to List Patients as COVID-19 and $39K to Put Them on a Ventilator. The AMA is encouraging doctors to over-count coronavirus deaths. he told local media he received a directive from the Minnesota Department of Health to list COVID-19 as the cause of death on death certificates even if patients were never tested for it. * The US National Institutes of Health, a government agency, awarded a $3.7M research grant to the Wuhan Institute of Virology· * Charlton Heston’s son says ‘Ten Commandments’ deepened the actor’s faith.
The hardest money I ever earned came on the heels of business failure. The hardest money I thought was being in business for myself. I was so wrong. Angela Brown, The House Cleaning Guru gives tips to avoid the hardest money you'll ever earn when you close your business. If need be, quit your job, walk away and find a job recruiter. Join a staffing company, have a job interview but don't tell them you're a house cleaner. "I went to work for a staffing agency and it was the hardest work I've ever done and the hardest job I've ever had." Cleaning would have been so much easier - and they don't teach you this in house cleaner training. Today's sponsors are My Cleaning Connection (A resource hub with motivational resources to keep you going on the worst day of your life. Also, Savvy Perks, Employee discounts for cleaning employees to inspire them to show up for work tomorrow. *** COMPLETE SHOW NOTES FOR THIS EPISODE *** http://askahousecleaner.com/the-hardest-money-i-ever-earned/ *** MORE VIDEOS LIKE THIS *** Pain of a Client Firing You - https://youtu.be/Yt1klNoXY4g Why I Fired My Maid - https://youtu.be/XPz4d24xLk4 Habits of People with Clean Houses - https://youtu.be/giYB57Uaqp0 Employees Who Love to Clean Houses - https://youtu.be/vcQddCj9joE Cleaning Gene - https://youtu.be/kWVTl-moarY *** RESOURCES FROM THIS EPISODE *** What to Say When You Talk to Your Self - https://amzn.to/2GeoXlk 365 Days of Positive Self-Talk - https://amzn.to/2pJpDIp The Power of Neuroplasticity - https://amzn.to/2Gz1bUi Every Single Day: Daily Habits to Create Unstoppable Success, Achieve Goals Faster, and Unleash Your Extraordinary - https://amzn.to/2DXuV7X Emotional Intelligence 2.0 - https://amzn.to/2DUNnhz The Gift: The 12 Greatest Tools of Personal Growth -- and How to Put Them into Practice - https://amzn.to/2IUMUQl We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to Amazon.com and affiliated sites. *** OTHER WAYS TO ENJOY THIS SHOW *** ITUNES - http://apple.co/2xhxnoj STITCHER - http://bit.ly/2fcm5JM SOUNDCLOUD - http://bit.ly/2xpRgLH GOOGLE PLAY - http://bit.ly/2fdkQd7 YOUTUBE - https://goo.gl/UCs92v *** GOT A QUESTION FOR A SHOW? *** Email it to Angela[at]AskaHouseCleaner.com Voice Mail: Click on the blue button at https://askahousecleaner.com *** HOUSE CLEANING TIPS VAULT *** (DELIVERED VIA EMAIL) - https://savvycleaner.com/tips *** FREE EBOOK – HOW TO START YOUR OWN HOUSE CLEANING COMPANY *** http://amzn.to/2xUAF3Z *** PROFESSIONAL HOUSE CLEANERS PRIVATE FACEBOOK GROUP *** https://www.facebook.com/groups/ProfessionalHouseCleaners/ *** FOLLOW ANGELA BROWN ON SOCIAL MEDIA *** https://Facebook.com/SavvyCleaner https://Twitter.com/SavvyCleaner https://Instagram.com/SavvyCleaner https://Pinterest.com/SavvyCleaner https://Linkedin.com/in/SavvyCleaner *** WHAT IS ASK A HOUSE CLEANER? *** Ask a House Cleaner is a daily show where you get to ask your house cleaning questions and we provide answers. Learn how to clean. How to start a cleaning business. Marketing and Advertising tips for your cleaning service. How to find top quality house cleaners, housekeepers, and maids. Employee motivation tactics. Strategies to boost your cleaning clientele. Cleaning company expansion help. Time-saving Hacks for DIY cleaners and more. Hosted by Angela Brown, 25-year house cleaning expert and founder of Savvy Cleaner Training for House Cleaners and Maids. *** DISCLAIMER *** During the shows we recommend services, sites, and products to help you improve your cleaning and grow your cleaning business. We have partnerships or sponsorships with these companies to provide you with discounts, and savings. By clicking on and buying from these links we may receive a commission which helps pay for the production costs of the show. Support the show so we can continue to bring you free tips and strategies to improve your cleaning and help you grow your cleaning business. THANK YOU! *** SPONSORSHIPS & BRANDS *** We do work with sponsors and brands. If you are interested in working with us and you have a product or service that is cohesive to the cleaning industry reach out to our promotional department info[at]AskaHouseCleaner.com *** THIS SHOW WAS SPONSORED BY *** SAVVY CLEANER - House Cleaner Training and Certification – https://savvycleaner.com MY CLEANING CONNECTION – Your hub for all things cleaning – https://mycleaningconnection.com HOUSECLEANING360.COM – Connecting House Cleaners with Homeowners – https://housecleaning360.com
Listen to the first in a semi-occasional series called "Put Them in the Movies," where we'll discuss various Beatles-related films and videos. For our first installment, we discuss Ringo's 1978 TV special Ringo, which had a slew of guest stars and a loose "plot" to promote Ringo's new album at that time, Bad Boy. Enjoy!
I have so many ideas, folks. I have ideas for breakfast, ideas for lunch, ideas for afternoon tea, dinner and midnight snack. I am rolling in ideas. And I am grateful for that abundance of ideas. I feel I can never have too many – so I am always happy to be a part of something meant to increase my inspiration. But ideas are never my problem. You can read Ideas and Glitter and Places to Put Them on the blog. Song: Se Potessi Parlare by Emily Rainbow Davis Episode 10 To support the podcast: Join my mailing list: www.emilyrainbowdavis.com/ Like the blog/show on Facebook: https://www.facebook.com/SongsfortheStrugglingArtist/ Support me on Patreon: www.patreon.com/emilyrdavis Or buy me a coffee on Kofi: http://ko-fi.com/emilyrainbowdavis Follow me on Twitter @erainbowd
The first podcast for Cami's Crossdressing Canopy! Contents: 1. Introduction 2. Crossdressing in the News New Tokyo Crossdressing Bar Appeals to First-Time Drag Queens http://en.rocketnews24.com/2012/11/29/new-tokyo-crossdressing-bar-lets-curious-men-drink-and-drag/ Fans Take Videogame Damsels Out of Distress, Put Them in Charge http://online.wsj.com/article/SB10001424127887323300004578559570373710646.html 3. Standing up for what you believe in - A hero http://en.wikipedia.org/wiki/Vasili_Arkhipov 4. Fashion http://www.corsets-au.com/ http://www.corsets-au.com/ge-407-white-and-black-corset-with-floral-lace-overlay-and-black-ribbon.html http://www.corsets-au.com/ge-373-purple-and-black-candy-brocade-underbust.html http://www.corsets-au.com/a3353-black-corset-with-floral-design.html http://www.corsets-au.com/my-009-burlesque-purple-corset-promotion.html 5. Managing Carmen http://ensemble.com.au/whats-on/play/managing-carmen/ Email: genderqueeruniverse@gmail.com
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