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To watch this episode, please visit Rachel's YouTube channel. Listeners can find Stan Efferding at his website Stanefferding.com, and on Instagram @stanefferding and on YouTube @stanefferding Stan Efferding is an IFBB Professional bodybuilder and World Record Holding Powerlifter. He is one of only 10 men in the world to ever total over 2,300 pounds lifted in competition. Stan holds the title of the World's Strongest Bodybuilder.  Stan studied Exercise Science at the University of Oregon and has been training high school, Collegiate, and Professional athletes for over 25 years. Stan conducts seminars all over the country for various sports, nutrition, and training techniques. He has appeared in many magazines and writes for Muscular Development, Flex Magazine, and Power Magazine. Stan is also a successful Entrepreneur having built three different start-up businesses into multi-million dollar companies. In this episode, Stan and I talk about the top 10 things everyone should be doing to optimize fitness and health, incorporating habits around existing routines, weight management, supplement recommendations that are hard to get from food, and much more! “The best diet is the one that you'll follow. And the best exercise is the one that you'll do.” Stan Efferding Top Takeaways: Stan's recommendations for how to optimize your sleep The general rule of thumb for the amount of protein intake needed as you age Benefits of daily 10 minute walks Critical components to short and long term success within a diet phase Two supplements to consider implementing into your diet that is hard to get from food Show Notes: [0:00] Welcome back to MetFlex and Chill! Today we are welcoming repeat guest Stan Efferding @stanefferding  [1:00] Episode 59: Achieving Optimal Health with Stan Efferding  [1:30] Stan gives a brief intro and bio about himself and his journey  [2:30] The Vertical Diet [3:30] Today's main topic is how to stay fit over 50 [6:00] “The best diet is the one that you'll follow. And the best exercise is the one that you'll do.” Stan Efferding [8:00] “Compliance is the Science.” Stan Efferding [9:00] First component to staying fit over 50: sleep optimization [13:30] Question: Can you chat in terms of weight management after 50 and what you've seen to work for your clients and yourself? [13:30] Second component to stay fit over 50: weight management [17:30] Question: Can you speak to general movement and your experience with NEAT and if it increases or decreases after retirement? [19:30] The value of NEAT and being cautious of overexercising to not cause excess hunger  [21:00] Question: Can you speak to the importance of protein as we age? [24:30] Question: Can you chat about the misconceptions and misunderstandings around red meat? [32:30] Question: What is the importance of strength training especially when it comes to aging? [35:30] Question: How many times a week would you say is optimal for training? [38:30] “If you're trying to create a habit, attach it to a behavior that you already do. Everybody eats every day -so now we just attach a 10 minute walk to every meal.” Stan Efferding [42:30] Question: In terms of insulin resistance and type two diabetes, can you speak to the blood sugar issues in the population over 50 and your tips to help regulate that? [50:00] Research implies that 7% of your body weight is the average amount of weight to lose to help resolve metabolic health [52:30] Increasing protein can help with managing blood sugars [53:00] Question: Can you chat about the blood pressure management tips you recommend?  [54:30] Question: What is the overall importance of hydration and electrolytes? [1:01:30] Sodium benefits for blood flow and training in the gym [1:02:00] Question: What blood tests do you recommend getting?  [1:02:00] For a full list of blood test recommendations, check out www.stanefferding.com, scroll down and click on blood tests [1:06:30] Digestive distress [1:08:00] A low fodmap diet- elimination approach to diagnosing your digestion issues [1:10:30] Question: Should rice be part of the protocol for those who want to lose weight?  [1:11:00] Question: The effects on muscle growth from pre workout stimulant use? [1:11:00] “If you're not continuously taking your body somewhere it hasn't been before you're gonna stop progressing.” Stan Efferding [1:12:30] Question: Is there a nutritional difference in the different kinds of salts that you consume? [1:13:00] The Bad Food Bible: How and Why to Eat Sinfully [1:15:00] Question: What are the essential supplements we need to take that we don't get from food? [1:16:00] Question: What are the foods required for calcium to meet daily 1000 milligram requirements for the body in the vertical diet? [1:17:30] Question: Favorite ways to bring up a low HDL? [1:18:30] Question: How many grams of fiber from non irritating sources per 1000 calories should we aim to ingest for colon health? [1:19:30] Question: What is a good resting heart rate zone? And how do we get there? [1:20:30] Question: Should natural athletes stop bulking and cutting cycles once they are near their natural limit, and just be happy with maintaining while building strength or skills? [1:22:00] Learn more about Stan by checking out his Instagram @stanefferding or his latest book The Vertical Diet and www.verticaldiet.com [1:22:30] Stan Efferding KOMPLETTES Seminar in THOR's Power Gym  --- Join the FREE MetFLex Life Course: www.metflexandchill.com Rachel Gregory (@rachelgregory.cns) is a Board-Certified Nutrition Specialist, Strength and Conditioning Specialist, and Author of the best-selling book, 21-Day Ketogenic Diet Weight Loss Challenge. She received her Master's Degree in Nutrition & Exercise Physiology from James Madison University and Bachelor's Degree in Sports Medicine from the University of Miami. Rachel helps her clients transform their lives by starting with the physical (body), realizing the power of the mental (mindset), and ultimately gaining massive confidence that bleeds into every aspect of their lives (family, relationships, work, etc.).

Question: Should those who have faith in Christ seek their salvation through their own works, or anywhere else? Answer: No, everything necessary to salvation is found in Christ. This is an important question in the New Testament because the Law of God is given in the OT and the Hebrew people who were coming to faith in Jesus came with a high regard for the Law of God. However some took this too far and believed that there was something in the law that led to salvation. Despite versed like 1 Samuel 15:22; Hosea 6:6; Micah 6:6–8 Example Luke Luke 18:9–17 Question: Since we are redeemed by grace alone, through Christ alone, must we still do good works and obey God's Word? Answer: Yes, so that our lives may show love and gratitude to God; and so that by our godly behavior others may be won to Christ The good that we do in the world is not motivated by a selfish desire for salvation - but motivated by love and gratitude for the salvation that has been given.

Next up on the 2Nerds and an Actor saga of catching up to 2021 content is Netflix's second season of mixed media sci-fi madness Love+Death+Robots and the Disney+ reimagining of Cruella. Watching both really made us wonder what the reasoning was for the Disney villain flicks and whether L+D+R lived up to the anticipation. This go-round we take on the Sandman casting announcements and the Fast & Furious potential franchise crossover rumors, because, why not? If you ain't ready for Vin Diesel doing donuts with Optimus Prime while outrunning a T-Rex, then what are you ready for? This and more Bronx-based shenanigans with Aisha, Mike, and Frantz on Season 5, Episode 3 of 2Nerds and an Actor. --Nerdy Leaks-- Jupiter's Legacy Cancelled by Netflix: (2:40) Live Action Sandman Casting: (5:31) Fast & Furious/Jurassic World Crossover Memes: (10:11)  Shout Outs/How to Donate and Support (15:13)     --No Spoilers!! TV & Movie Reviews-- Love, Death, Robots Season 2: (19:35) Cruella (25:36)   --- Break --- (35:52) Question: Should conventions come back into full swing? (37:51) --"Spoilae!!"  TV & Movie Reviews-- Love, Death, Robots Season 2 (45:30)  Cruella (59:24)   --Coming Soon??-- Old: (1:17:04) Roadrunner: (1:22:27) Infinite: (1:23:29)  Reminiscence: (1:25:13) Outro and farewells: (1:29:23)

-This week Jake is gone so the show is really bad. Just kidding! We've got the talented MischievousVixen to fill in for him. Also there is some news about video games! Question: Should more video games be based on established novels? Twitter: (@emergencypizza_)(@fatal_microwave) (@MischievousVixen) Twitch.tv/lonercast Twitch.tv/MischievousVixen

To learn more and apply to work one-on-one with Rachel, visit her website: https://www.metflexlife.com/ Join Rachel's weekly newsletter: https://www.metflexlife.com/newsletter  In this episode, Rachel chats about stubborn body fat areas, how to persevere through workouts while healing an injury, prioritizing your training schedule around your goals, overtraining, stress gut, and more! “If you've been so focused on just losing body fat, and you haven't spent a good amount of time actually focused on building muscle...then you're not going to look how you want to look when you do lose that body fat.” Rachel Gregory Today's Questions: If I'm cutting, how do I know if I'm under-muscled or have not cut far enough? I hurt my shoulder. Do I rest my arms or work around it? Recovery may take a while. Should strength training be completed before a walk/hike? Or does order not matter? Have you heard of stress gut? Can too much training cause GERD or other problems? Top Takeaways: Two components to invest your mindset in for the areas that seem to be the last areas to lose body fat Lower body movements that might work with minimal shoulder involvement to train while avoiding an injury Concentric vs. eccentric training benefits When it might be beneficial to add a greens supplement  Show Notes: [0:00] Welcome back to MetFlex and Chill! Today's Q&A episode is answering questions from IG and The Friday Flex. If you haven't signed up for The Friday Flex yet and are interested... sign up at www.metflexlife.com/newsletter [0:30] Question: If I'm cutting, how do I know if I'm under-muscled or have not cut far enough? [1:30] “If you've been so focused on just losing body fat, losing weight, all of that and you haven't spent a good amount of time actually focused on building muscle, then you're not going to look how you want to look when you do lose that body fat.” [5:00] If you're interested in one-on-one coaching with Rachel go to www.metflexlife.com/apply [6:00] Two key components to focus on during a fat loss phase [6:30] Episode 104: 8-Month Building Phase Results & Plan For Next Cut [7:00]  “The time that it takes to lose body fat is actually a lot less time than it takes to put on muscle mass.” [8:30] Question: I hurt my shoulder. Do I rest my arms or work around it? Recovery may take a while. [10:00] Lower body movements that might work when recovering from an upper-body injury [11:00] Safety bar for squats [13:00] What is cross-education or the cross-training effect? [14:00] Contralateral effects of eccentric resistance training on immobilized arm, Cross education: possible mechanisms for the contralateral effects of unilateral resistance training [16:00] Concentric vs. eccentric training benefits [17:00] “The biggest thing is to focus on what you can do, not what you can't do.” [18:00] Question: Should strength training be completed before a walk/hike? Or does order not matter? [18:30] Hiking vs. walking is very different in terms of exertion [21:30] If your goal is to build muscle, do that first. If your goal is to get better at walking or hiking, do that first. ;)  [22:00] Question: What do you think of using a super greens supplement in a smoothie? [24:30] Check out Organifi by going to www.organifi.com/metflex and use code METFLEX for 15% off any of their products [26:00] Question: Have you ever heard of stress gut? Can too much training cause GERD or other problems? [30:30] Your body is smart and it will do what it needs to do to get you out of the stressful situation  [34:00] Importance of paying attention to when your fueling pre and post-workout [36:00] The anabolic window [40:30]  If you haven't signed up for The Friday Flex yet and are interested, sign up at www.metflexlife.com/newsletter. Rachel shares tips, recipes, exercises, and more each Friday! THINGS MENTIONED IN THIS EPISODE: Episode 107: Fasting & Muscle Preservation, Early Morning Training, How To Build Your Pre & Post-Workout Meals Episode 52: Most Common Causes of Bloating, Intermittent Fasting vs. Time Restricted Feeding, and Training While Fasted Episode 85: All Things GUT HEALTH with Sam Miller --- Join the FREE MetFLex Life Course: www.metflexandchill.com Rachel Gregory (@rachelgregory.cns) is a Board-Certified Nutrition Specialist, Strength and Conditioning Specialist, and Author of the best-selling book, 21-Day Ketogenic Diet Weight Loss Challenge. She received her Master's Degree in Nutrition & Exercise Physiology from James Madison University and Bachelor's Degree in Sports Medicine from the University of Miami. Rachel helps her clients transform their lives by starting with the physical (body), realizing the power of the mental (mindset), and ultimately gaining massive confidence that bleeds into every aspect of their lives (family, relationships, work, etc.).

Kesha and Justin Ask the Question: Should you have your Friend around your Spouse? Also they go over The Joe Budden Podcast Firing and Talk about Friends & Business. --- Send in a voice message: https://anchor.fm/k--j-conversation/message

In this impromptu livestream DSD has some good discussions with a variety of callers and commenters. First Duane takes a comment from a listen who is just starting the process and questioning. DSD updates the community on what has been going on this last month and a recent overnight camping trip that he took to decompress and reset. We then discuss a comment where a listener is concerned they might be a narcissist or have narcissistic fleas. A long time member comments on how anger is our biggest enemy and how we have to be careful to not respond or react in a way that makes things worse. We then have our first caller who discusses a recent experiences trying to set boundaries with his ex that resulted in the police being called. Duane then rants on when you are questioning your sanity of what you are dealing with. We then take a caller who talks of the importance of controlling your anger and seeking help if it is causing problems. DSD then takes a caller who discusses the first caller and how their relationship with their own children is playing out in spite of the stress and anxiety. We finish with a caller who shares how their ex’s new girlfriend is taking the children to medical appointments by herself.LinksSupport the ChannelDonate through PayPalDSD Channel MembershipsParticipate in the show!During the show you can call in live at1 (424) 373-54831 (424) DSD-LIVEWeb Interface - free dialing You can also leave a voicemail through the DSD websiteTable of Contents00:00 - Start of Show06:25 - Comment - Just separated, discussion on how this is at the start09:35 - Question - Should we seek anger management?11:05 - Discussion - Duane talks about the last month and getting away13:55 - Comment - I sometimes think I’m the narcissist15:36 - Comment - Anger is our biggest enemy going through this crap16:34 - Comment - Time runs out for these narcs on child support17:50 - Caller - Setting boundaries with a narcissistic ex35:24 - Discussion - Rant on questioning what we are dealing with39:19 - Caller - Dealing with anger issues and court aftermath46:30 - Discussion - Trying to get your to snap by pushing your buttons49:52 - Caller - Discussing the first caller dealing with the drama58:19 - Discussion - How your children act around you is key to how you are really doing1:00:42 - Discussion - The use of the word “triggered”1:01:50 - Caller - Ex’s girlfriend is taking children to dentist and doctor appointments1:12:45 - End of show wrap-up

This week's show is full of tiddies! Playstation takes a U-turn onclosing the PS3 and Vita stores, Nintendo needs to get their shit together and put out some damn games, and Sucker Punch is making a multiplayer game? This show was brought to you by the good people in their rooms trying to have a conversation with anyone about video games. Please do enjoy! Question: Should we stop asking questions? Twitter: (@emergencypizza_)(@fatal_microwave) Twitch.tv/lonercast  

Question: Should we drink the fruit of the vine out of one cup?

Who dat iz?That’s just my Baby Daddy! Question: Should men be responsible for a child that they did not give consent to having? Do some women view having a father on child support as a way to enhance their quality of living? Hell, should child support be taxable? Let’s Talk about it! Joining us on this episode is Kameron Whalum! You’ve seen him shut it down on multiple Grammy and SuperBowl performances! He has a new fire EP out entitled “All About You” available everywhere! You can also check out Kameron spinning the vibes on Primetime w/ Kameron Whalum on WYXR Memphis!Thanks for taking the time to listen! We appreciate you!

Ballboys are Back! Pino and Midge Purce vIsit the White House in sick pantsuits; WSL SKY TV deal: Question: Should we make a dunking on Inter Miami a regular segment? Enjoy!

What can Warren Buffett teach us about the volatility of the stock market? Where do you get started with retirement planning? Should you bring in a professional to help you? In this episode of Retirement Made Easy, I answer some listener questions and share a story that drives home the point of long-term investing. Don't miss it! You will want to hear this episode if you are interested in... [1:32] What we can learn from Warren Buffett [8:52] Answering Julie's Question: Professional financial help [14:18] Make sure you're in-tune with your family's finances [15:59] Answering Ed's question: Where do you start? What we can learn from Warren Buffett When asked about volatility and fluctuation in the stock market, Warren Buffett said that whenever you price stocks so frequently (and it is liquid) they may be way overpriced or way underpriced at any given moment.  He said to imagine you and your spouse picked out the perfect 80-acre farm. It has a beautiful house, income from crops, a beautiful view, etc. You paid $3,000 an acre for your farm. Your next-door neighbor owns an identical 80 acres. Every day, your neighbor comes over and offers to buy your farm. Some days he offers $2,600 an acre. Other days he offers $2,700 or $3,300 an acre.  It's the same thing with the stock market. The price you see is the price that someone is willing to pay that particular day at that particular moment. But it doesn't matter what is being offered if your stock isn't for sale. Warren Buffett is one of the richest people in the US and is well-known as a long-term investor. When you're holding something long-term, it doesn't always matter what the price fluctuation is from one day to the next.  Answering Julie's Question: Should you hire a professional? Julie said she and her spouse are planning their retirement and are overwhelmed with the transition. She feels stuck and lacks confidence. She feels she needs professional help. My recommendation? Find a financial planner that specializes in retirement planning. I work with people 50 and older because their needs are different from a younger couple. There are so many things someone with a different specialty might not know versus someone who has helped dozens of people retire.  There's a ton of information available online but it's just that—information. You can't read a book about how to become a better golfer and go out and beat Tiger Woods. There is both skill and wisdom that you're lacking. There's no shame in hiring professional help, whether it's a tax advisor or financial advisor. A financial advisor, tax planner, or estate planner is someone who will work with you to get you where you want to go. Do you have to hire professional help? No. Do I have to hire someone to put up my own gutters? No. Do I want to learn how to do it? Not at all. I wouldn't enjoy it, it would be stressful, and I'm not confident that the outcome would be better. It'll cost more to hire someone to do the work, but it's well worth it.  Where do you start with retirement planning? Ed, one of my listeners, is 62 and wondering where to start with retirement planning. Thomas Watson—the man who created IBM—was asked how he built IBM. He replied, “I just thought about what I wanted and I worked backward.” If people did that with their retirement planning, they'd have a lot better outcome.  I met with a couple a few years out from retirement. They were looking for help in putting the pieces of the puzzle together. I asked them about the outcome they were looking for and helped them determine what success looks like for them. Together, we worked backward and uncovered the 5 key elements that were important to them. You have to start with the end in mind. Figure out what your goals are, then plan from there. What pieces of the puzzle can make your dreams come true? You have to know what's important to you before you can start planning. Figure out what you want and work backward.  Resources & People Mentioned US Census Bureau  Connect With Gregg Gonzalez Email at: Gregg@RetireSTL.com  Podcast: https://RetirementMadeEasyPodcast.com Website: https://StLouisFinancialAdvisor.com Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube Subscribe to Retirement Made EasyOn Apple Podcasts, Spotify, Google Podcasts

Question: Should different macronutrients be eaten at different times of day?No, I don't agree with the principle. I think you want protein spaced out at every meal. And that's because your efficiency in extracting protein for muscle synthesis is limited in any given hour or any given unit time. And so you need a lot more protein if you're going to put all your protein in one meal, then you are not going to get optimal body composition results from that. Body composition plays into every other metabolic thing we care about. If I were to shift protein around in emphasis, I would put protein bias towards the morning and biased away from night. And that would be on the basis that protein is the basis for every single neurotransmitter involved in wakefulness. If you would like to be part of the next live Ask Me Anything About Nutrition, sign up for the CMJ Masterpass, which includes access to these live Zoom sessions, a private discussion group, premium features on all my content, and hundreds of dollars of exclusive discounts. You can sign up at https://chrismasterjohnphd.com/masterpass/ and use the code QANDA to get 10% off the membership for life. From now through March, I will be working full-time on finishing my Vitamins and Minerals 101 book, while reserving a portion of my time for consulting clients. You can pre-order my book at https://chrismasterjohnphd.com/book. You can sign up for a consultation at https://chrismasterjohnphd.com/consultations. DISCLAIMER: I have a PhD in Nutritional Sciences and my expertise is in performing and evaluating nutritional research. I am not a medical doctor and nothing herein is medical advice.

Episode 238 is Part 2 of 2 to An Interview with Glenn Quick. Glenn is an Assistant Athletics Director and Academic and Career Counselor for Kansas University in Lawrence, Kansas. In Episode 237, Part 1 of the interview, Glenn gives us his background, what academic counselors do for an athletic program and how his professional life was changed as he attended college. This episode, Episode 238, covers a large amount of helpful information that will help you decide on a college and help to prepare you for college while you are still in high school and how not to get "Senioritis" in high school. He explains how an academic advisor helps a new college student-athlete in helping with choices of classes, balancing the athletic vs academic schedule and getting the student-athlete on track toward graduation. The Academic Advisor helps to balance classes, practice, games, training and travel. In this episode we get into some differences between high school and college. Click Here for Episode 238: Part 2 o 2 of an Interview with Glenn Quick. Glenn also dials in on a feature many universities have and that is Career Counseling. See some advantages a school can provide to a student-athlete with this department of their athletic program. Thank you to Glenn Quick for his time and valuable information. If anyone has any questions for Glenn, then email me at Brent@Recruit-Me.com. The end of this episode answers a question from the Q & A section of the Recruit-Me 3.0 Athletic Scholarship System. Get the answer to this question from a parent. Question: Should we continue to send updates information to the entire list of schools that we have sent to or only those who have replied to us? Recruit-Me 3.0 Athletic Scholarship System, only $127 FREE Power Pack  

Hosts: Sean "OG LEGEND", Chace "The Ace", and Brandon "Nerdy McFly" 1-8-21 Episode 2 What’s up Guys? Today we talked about: 1.) The iD dunk debacle 2.) Question: Should major shoe companies be made to order? 3.) “Ace“ tries to make the case for a small independent shoe company, “SOMEWHERE IN AMERICA” and the guys troll him, as always. PLEEEASE Enjoy! Any questions, Comments, or ANYTHING that you can think of that could possibly make us and the show BETTER? Any feedback/criticism? Contact Us: Through email: Sneakerbrospod@gmail.com Instagram: @SneakerBrospodcast Twitter: @BrosSneaker Brought to you by SNEAKER BROS. PODCAST LLC --- Support this podcast: https://anchor.fm/sneakerbrospod/support

Episode 047 - Are Appraisers the Devil? PART 3 REPLAY Are you a Netflix binge-watcher? Then, we have a 3-part binge worthy-listening opportunity for you! In our 3-part series all about how to more effectively price properties, we dive into understanding more about the appraisal process. Part 3, similar to a great Star Wars Trilogy, ends with a triumphant conclusion of how to more successfully challenge an appraisal. Preparation is key here as Jedi Mind Tricks won’t work on the strong-minded. We talk about what to share with an appraiser; how to present it; and what to include with an appraisal packet. If you want better results in appraisal reports, be proactive! Be sure to watch our accompanying breakout video where B explains what to include in an appraisal packet. No, appraisers aren’t the devil! They provide a service. Understand how the appraisal process works and what is expected, and you'll get better results in your next appraisal.   SHOW NOTES 01:00 – B & Christian side with horns and Cate with her halo. 02:25 – Song of the week: It’s What you Value, George Harrison 05:03 – Part 3, How to prepare for an appraisal and how to challenge an appraisal more successfully. 05:33 – Ask B for document about how to prepare for an appraisal. 06:27 – Have your home “showing” ready. Make sure access to all areas of the home is available. Leave a ladder. Make sure utilities are on. 06:55 – Question: Should anybody be at the home? Probably not, they are distractions, talk about things you don’t want appraisers to hear. 07:51 – Cate: has a checklist to prepare for appraisal. Make sure car is not in garage blocking attic, etc.. Stay out of appraiser’s way. 08:50 – A checklist and a reminder to help homeowner prepare. 09:10 – Leave an appraisal packet (watch B’s breakout video on what to include). Be proactive, not reactive. 09:45 – Typically, if agents leave anything, it is only comparables and that is not enough. Appraisers have comps already, unless you know of something that is hidden or unavailable. 10:25 – Have an adjustment grid that includes comparables on a grid and have been adjusted. Gives you a legitimate response to get the number you want. 11:15 – Have a list of updates. Helps appraiser “sell” the report to the lender. Include an explanation. 11:45 – Cate: What about cookies? The size of the bottle of Captain Morgan is directly proportionate to the value. 12:47 – Cate: appraisers are human. Make home welcoming. Present home well. The appraiser will leave with a better feeling about the property. 14:10 – B got bit by a dog and didn’t leave the house with a positive image. Value was fine though. 14:26 – Cate’s Side Note Tangent: Cate had a buyer with a high list price. She called Super B, the best appraiser in town. Cate ALLEGES B didn’t know how to appraisal the property. 18:00 – How to challenge an appraisal MORE successfully. 18:10 – Listen to part 1 & 2 for some guidance on how to get ahead of issues. 18:39 – Make sure you and the appraiser are comparing apples-to-apples. Do you both have the same square footage, room count, updates, etc. 19:16 – Who is right? Appraiser or assessor? B is ALWAYS right. It should be the appraiser, but not all are equal. Some do not measure the property. 19:50 – Cate: Appraiser should be sketching the property, whereas the Assessor does not visit or measure the home. 20:10 – Look at the comps and get ahead of issues. Divorce, size, condition, etc. 20:55 – Cate: multiple offer situation. Buyer offers above list price, prepare them to see if they ready to come up with the difference in cash if the appraisal does not come in at purchase price. Write it in the offer to make it stronger. Price isn’t the only factor. Make clean offer. Negotiate other items. Seller might not want to accept over list price from buyer if appraisal is presumed to be an issue. 22:10 – Prepare for all things that could happen. 22:26 – Quote for the podcast: “There are some things money can’t buy…like manners, morals, integrity and professionalism.” -B  Be the professional and your business will thrive. Get the appraiser good information at the right time. 23:12 – Closing: Have home ready for appraiser. Leave solid data. Challenge with solid evidence. Make sure everyone is making an apples-to-apples comparison. Are you on the same page? 23:55 – Thank you for listening to our 3-part series and will have more in the future. Make your day legendary!   SHOW LINKS It’s What you Value – https://www.youtube.com/watch?v=KL6UsDlO86E Beatles White Album sold in 2015 $790,000 – https://www.businessinsider.com/ap-rare-pressing-of-beatles-white-album-sells-for-790000-2015-12 Jim Irsay bought Ringo’s drum kit – https://www.rollingstone.com/music/music-news/colts-owner-why-i-paid-2-2-million-for-ringo-starrs-drum-kit-60879/ Cotton Candy Grapes – https://en.wikipedia.org/wiki/Cotton_Candy_grapes Captain Morgan – https://www.captainmorgan.com/en-row/   BETWEEN THE LINES LINKS Email brian@brianclee.com cate@craftsmanrg.com   Web brianclee.com catelee.com realestatebetweenthelines.com   Facebook https://www.facebook.com/groups/realestatebetweenthelines/ https://www.facebook.com/Brian-C-Lee-111822417027919/?   YouTube https://www.youtube.com/channel/UCcv4dHU39-b5_QVVCIhbcBA?  

To watch this episode, please visit Rachel’s YouTube channel. Listeners can find Dr. Stephen Hussey at his website https://www.resourceyourhealth.com/, on Instagram @ drstephenhussey, On Facebook @ Dr. Stephen Hussey DC, MS and Twitter @ Dr. Stephen Hussey Dr. Stephen Hussey MS, DC is a Chiropractor and Functional Medicine practitioner. He attained both his Doctorate of Chiropractic and Masters in Human Nutrition and Functional Medicine from the University of Western States in Portland, OR. He is a health coach, speaker, and the author of two books on health; The Health Evolution: Why Understanding Evolution is the Key to Vibrant Health and The Heart: Our Most Medically Misunderstood Organ. Dr. Hussey guides clients from around the world back to health by using the latest research and health attaining strategies. In his down time he likes to be outdoors, playing sports, reading, writing, and spending time with his wife and their pets. In this episode, we chat all about heart health, misconceptions surrounding heart attacks, how to realistically reduce toxins in your life, stress management, and more! "Ultimately, I think that health can be defined as the ability of your body to adapt to a new situation, and then return to homeostasis." Dr. Stephen Hussey   Top Takeaways: Dr. Hussey’s explanation of metabolic heart attacks Heart attacks can be caused by these three imbalances in the body Benefits of cholesterol  Three tips to reduce your risk of atherosclerosis Today’s Questions: What does a “heart healthy diet” actually consist of, in your opinion, versus what the government might be slapping on cereal boxes? I feel great eating tons of animal protein and low carb. But now my cholesterol is high. My doctor is worried. Should I worry?  Should you worry about high LDL, if you have low triglycerides, and high HDL, and big fluffy particles? Is inflammation the primary cause of heart disease? And is all inflammation bad? What are the top three things that you would focus on besides diet? Is caffeine bad for your heart? For example, does the increase in heart rate harm the heart? My Apple Watch gives an HRV. But I don't know what a good number is? Why does it vary? Show Notes: [0:00] Welcome back to MetFlex and Chill! Rachel introduces guest Dr. Stephen Hussey @drstephenhussey [0:30] Rachel gives a brief summary of today’s episode surrounding the main topic- Heart Health! [1:30] Shout out to our sponsor NOW Foods for guest episodes for the month of October! [2:00] If you want to check out NOW Foods Click HERE! Use the code METFLEXLIFENOW10 for $10 off a $40 purchase [3:00] Rachel introduces guest Dr. Stephen Hussey @drstephenhussey to the listeners [3:30] Stephen gives a brief bio of his background and research primarily around heart health [6:30] Rachel and Dr. Hussey found a common ground-Metabolic Flexibility! [6:00] What is a Metabolic Heart Attack? And what causes it to happen? [15:30] Question: What does a “heart healthy diet” actually consist of, in your opinion, versus what the government might be slapping on cereal boxes? [22:30] Low Fat, Low Cholesterol Diet in Secondary Prevention of Coronary Heart Disease [25:00] Why striving to lower your cholesterol might not be the best choice in general [30:30] Prognostic value of cardiovascular disease status: the Leiden 85-plus study Lothian birth cohort studies [33:00] Question: I feel great eating tons of animal protein and low carb. But now my cholesterol is high. My doctor is worried. Should I worry?  [39:30] Question: Should you worry about high LDL, if you have low triglycerides, and high HDL, and big fluffy particles? [40:00] Does LDL Particle Size Really Matter? [44:30] Question: Is inflammation the primary cause of heart disease? And is all inflammation bad? [49:30] What is endotoxemia? Misconceptions around what can cause atherosclerosis [51:00] Question: What are the top three things that you would focus on besides diet? [55:30] Question: Is caffeine bad for your heart? For example, does the increase in heart rate harm the heart? [59:00] Question: My Apple Watch gives an HRV. But I don't know what a good number is? Why does it vary? [1:02:30] Listeners can find Dr. Stephen Hussey at https://www.resourceyourhealth.com/ The Health Evolution  [1:03:00] Instagram @drstephenhussey, Twitter @Dr. Stephen Hussey and Facebook @Dr. Stephen Hussey DC, MS [1:04:00] Thanks for listening to another MetFlex and Chill episode! The best way to grow the show if you’re enjoying it is to take a screenshot of the episode, share it on social media and tag me @rachelgregory.cns :)  [1:04:30] If you have any questions please feel free to message me on instagram @rachelgregory.cns or email me rachel@metflexlife.com and If you want to check out NOW Foods Click HERE! Use the code METFLEXLIFENOW10 for $10 off a $40 purchase  --- Join the FREE MetFLex Life Course: www.metflexandchill.com Rachel Gregory (@rachelgregory.cns) is a Board-Certified Nutrition Specialist, Strength and Conditioning Specialist, and Author of the best-selling book, 21-Day Ketogenic Diet Weight Loss Challenge. She received her Master’s Degree in Nutrition & Exercise Physiology from James Madison University and Bachelor’s Degree in Sports Medicine from the University of Miami. Rachel helps her clients transform their lives by starting with the physical (body), realizing the power of the mental (mindset), and ultimately gaining massive confidence that bleeds into every aspect of their lives (family, relationships, work, etc.).

Question: Should a dependent claim that does not specify a further limitation of the subject matter claimed be rejected under 35 USC 112(d)? Answer: Yes, a dependent claim that does not specify a further limitation of the subject matter claimed should be rejected under 35 U.S.C. 112(d). When two claims in an application comply with […] The post MPEP Q & A 203: Rejections of Dependent Claims Not Specifying a Further Limitation appeared first on Patent Education Series.

Luke Bona from the Triple M NIghtshift asks the Question - Should the NSW Government or Taxpayers pay for the NSW Police Operation of guarding the Borders or should Victoria pay?

Episode 028 - Are Appraisers the Devil? PART 3 Are you a Netflix binge-watcher? Then, we have a 3-part binge worthy-listening opportunity for you! In our 3-part series all about how to more effectively price properties, we dive into understanding more about the appraisal process. Part 3, similar to a great Star Wars Trilogy, ends with a triumphant conclusion of how to more successfully challenge an appraisal. Preparation is key here as Jedi Mind Tricks won’t work on the strong-minded. We talk about what to share with an appraiser; how to present it; and what to include with an appraisal packet. If you want better results in appraisal reports, be proactive! Be sure to watch our accompanying breakout video where B explains what to include in an appraisal packet. No, appraisers aren’t the devil! They provide a service. Understand how the appraisal process works and what is expected, and you'll get better results in your next appraisal.   SHOW NOTES 01:00 – B & Christian side with horns and Cate with her halo. 02:25 – Song of the week: It’s What you Value, George Harrison 05:03 – Part 3, How to prepare for an appraisal and how to challenge an appraisal more successfully. 05:33 – Ask B for document about how to prepare for an appraisal. 06:27 – Have your home “showing” ready. Make sure access to all areas of the home is available. Leave a ladder. Make sure utilities are on. 06:55 – Question: Should anybody be at the home? Probably not, they are distractions, talk about things you don’t want appraisers to hear. 07:51 – Cate: has a checklist to prepare for appraisal. Make sure car is not in garage blocking attic, etc.. Stay out of appraiser’s way. 08:50 – A checklist and a reminder to help homeowner prepare. 09:10 – Leave an appraisal packet (watch B’s breakout video on what to include). Be proactive, not reactive. 09:45 – Typically, if agents leave anything, it is only comparables and that is not enough. Appraisers have comps already, unless you know of something that is hidden or unavailable. 10:25 – Have an adjustment grid that includes comparables on a grid and have been adjusted. Gives you a legitimate response to get the number you want. 11:15 – Have a list of updates. Helps appraiser “sell” the report to the lender. Include an explanation. 11:45 – Cate: What about cookies? The size of the bottle of Captain Morgan is directly proportionate to the value. 12:47 – Cate: appraisers are human. Make home welcoming. Present home well. The appraiser will leave with a better feeling about the property. 14:10 – B got bit by a dog and didn’t leave the house with a positive image. Value was fine though. 14:26 – Cate’s Side Note Tangent: Cate had a buyer with a high list price. She called Super B, the best appraiser in town. Cate ALLEGES B didn’t know how to appraisal the property. 18:00 – How to challenge an appraisal MORE successfully. 18:10 – Listen to part 1 & 2 for some guidance on how to get ahead of issues. 18:39 – Make sure you and the appraiser are comparing apples-to-apples. Do you both have the same square footage, room count, updates, etc. 19:16 – Who is right? Appraiser or assessor? B is ALWAYS right. It should be the appraiser, but not all are equal. Some do not measure the property. 19:50 – Cate: Appraiser should be sketching the property, whereas the Assessor does not visit or measure the home. 20:10 – Look at the comps and get ahead of issues. Divorce, size, condition, etc. 20:55 – Cate: multiple offer situation. Buyer offers above list price, prepare them to see if they ready to come up with the difference in cash if the appraisal does not come in at purchase price. Write it in the offer to make it stronger. Price isn’t the only factor. Make clean offer. Negotiate other items. Seller might not want to accept over list price from buyer if appraisal is presumed to be an issue. 22:10 – Prepare for all things that could happen. 22:26 – Quote for the podcast: “There are some things money can’t buy…like manners, morals, integrity and professionalism.” -B  Be the professional and your business will thrive. Get the appraiser good information at the right time. 23:12 – Closing: Have home ready for appraiser. Leave solid data. Challenge with solid evidence. Make sure everyone is making an apples-to-apples comparison. Are you on the same page? 23:55 – Thank you for listening to our 3-part series and will have more in the future. Make your day legendary!   SHOW LINKS It’s What you Value – https://www.youtube.com/watch?v=KL6UsDlO86E Beatles White Album sold in 2015 $790,000 – https://www.businessinsider.com/ap-rare-pressing-of-beatles-white-album-sells-for-790000-2015-12 Jim Irsay bought Ringo’s drum kit – https://www.rollingstone.com/music/music-news/colts-owner-why-i-paid-2-2-million-for-ringo-starrs-drum-kit-60879/ Cotton Candy Grapes – https://en.wikipedia.org/wiki/Cotton_Candy_grapes Captain Morgan – https://www.captainmorgan.com/en-row/   BETWEEN THE LINES LINKS Email brian@brianclee.com cate@craftsmanrg.com   Web brianclee.com catelee.com realestatebetweenthelines.com   Facebook https://www.facebook.com/groups/realestatebetweenthelines/ https://www.facebook.com/Brian-C-Lee-111822417027919/?   YouTube https://www.youtube.com/channel/UCcv4dHU39-b5_QVVCIhbcBA?  

In this episode of Business Matters, Roxanne Sexton with the Bean Team discusses the Paycheck Protection Program and more specifically, how to maximize the loan forgiveness provisions of the PPP. We outline and then discuss the 4 categories provided by the PPP to determine the amount of loan that will be forgiven. Of course, all of this is based on the guidelines issued through the time of the recording.   PAYCHECK PROTECTION PROGRAM LOANS Frequently Asked Questions (FAQs)The Small Business Administration (SBA), in consultation with the Department of the Treasury, intends to provide timely additional guidance to address borrower and lender questions concerning the implementation of the Paycheck Protection Program (PPP), established by section 1102 of the Coronavirus Aid, Relief, and Economic Security Act (CARES Act or the Act). This document will be updated on a regular basis.Borrowers and lenders may rely on the guidance provided in this document as SBA’s interpretation of the CARES Act and of the Paycheck Protection Program Interim Final Rules (“PPP Interim Final Rules”) (link). The U.S. government will not challenge lender PPP actions that conform to this guidance,1 and to the PPP Interim Final Rules and any subsequent rulemaking in effect at the time.Question: Paragraph 3.b.iii of the PPP Interim Final Rule states that lenders must “[c]onfirm the dollar amount of average monthly payroll costs for the preceding calendar year by reviewing the payroll documentation submitted with the borrower’s application.” Does that require the lender to replicate every borrower’s calculations? Answer: No. Providing an accurate calculation of payroll costs is the responsibility of the borrower, and the borrower attests to the accuracy of those calculations on the Borrower Application Form. Lenders are expected to perform a good faith review, in a reasonable time, of the borrower’s calculations and supporting documents concerning average monthly payroll cost. For example, minimal review of calculations based on a payroll report by a recognized third-party payroll processor would be reasonable. In addition, as the PPP Interim Final Rule indicates, lenders may rely on borrower representations, including with respect to amounts required to be excluded from payroll costs.If the lender identifies errors in the borrower’s calculation or material lack of substantiation in the borrower’s supporting documents, the lender should work with the borrower to remedy the issue.2 Question: Are small business concerns (as defined in section 3 of the Small Business Act, 15 U.S.C. 632) required to have 500 or fewer employees to be eligible borrowers in the PPP? Answer: No. Small business concerns can be eligible borrowers even if they have more than 500 employees, as long as they satisfy the existing statutory and regulatory definition of a “small business concern” under section 3 of the Small Business Act, 15 U.S.C. 632. A business can qualify if it meets the SBA employee-based or revenue-As of May 3, 2020based size standard corresponding to its primary industry. Go to www.sba.gov/size for the industry size standards.Additionally, a business can qualify for the Paycheck Protection Program as a small business concern if it met both tests in SBA’s “alternative size standard” as of March 27, 2020: (1) maximum tangible net worth of the business is not more than $15 million; and (2) the average net income after Federal income taxes (excluding any carry-over losses) of the business for the two full fiscal years before the date of the application is not more than $5 million.A business that qualifies as a small business concern under section 3 of the Small Business Act, 15 U.S.C. 632, may truthfully attest to its eligibility for PPP loans on the Borrower Application Form, unless otherwise ineligible.Question: Does my business have to qualify as a small business concern (as defined in section 3 of the Small Business Act, 15 U.S.C. 632) in order to participate in the PPP? Answer: No. In addition to small business concerns, a business is eligible for a PPP loan if the business has 500 or fewer employees whose principal place of residence is in the United States, or the business meets the SBA employee-based size standards for the industry in which it operates (if applicable). Similarly, PPP loans are also available for qualifying tax-exempt nonprofit organizations described in section 501(c)(3) of the Internal Revenue Code (IRC), tax-exempt veterans organization described in section 501(c)(19) of the IRC, and Tribal business concerns described in section 31(b)(2)(C) of the Small Business Act that have 500 or fewer employees whose principal place of residence is in the United States, or meet the SBA employee-based size standards for the industry in which they operate.Question: Are lenders required to make an independent determination regarding applicability of affiliation rules under 13 C.F.R. 121.301(f) to borrowers? Answer: No. It is the responsibility of the borrower to determine which entities (if any) are its affiliates and determine the employee headcount of the borrower and its affiliates. Lenders are permitted to rely on borrowers’ certifications.Question: Are borrowers required to apply SBA’s affiliation rules under 13 C.F.R. 121.301(f)? Answer: Yes. Borrowers must apply the affiliation rules set forth in SBA’s Interim Final Rule on Affiliation. A borrower must certify on the Borrower Application Form that the borrower is eligible to receive a PPP loan, and that certification means that the borrower is a small business concern as defined in section 3 of the Small Business Act (15 U.S.C. 632), meets the applicable SBA employee-based or revenue-based size standard, or meets the tests in SBA’s alternative size standard, after applying the affiliation rules, if applicable. SBA’s existing affiliation exclusions apply to the PPP, including, for example the exclusions under 13 CFR 121.103(b)(2).As of May 3, 2020Question: The affiliation rule based on ownership (13 C.F.R. 121.301(f)(1)) states that SBA will deem a minority shareholder in a business to control the business if the shareholder has the right to prevent a quorum or otherwise block action by the board of directors or shareholders. If a minority shareholder irrevocably gives up those rights, is it still considered to be an affiliate of the business? Answer: No. If a minority shareholder in a business irrevocably waives or relinquishes any existing rights specified in 13 C.F.R. 121.301(f)(1), the minority shareholder would no longer be an affiliate of the business (assuming no other relationship that triggers the affiliation rules).Question: The CARES Act excludes from the definition of payroll costs any employee compensation in excess of an annual salary of $100,000. Does that exclusion apply to all employee benefits of monetary value? Answer: No. The exclusion of compensation in excess of $100,000 annually applies only to cash compensation, not to non-cash benefits, including:employer contributions to defined-benefit or defined-contribution retirement plans;payment for the provision of employee benefits consisting of group health care coverage, including insurance premiums; andpayment of state and local taxes assessed on compensation of employees. Question: Do PPP loans cover paid sick leave? Answer: Yes. PPP loans covers payroll costs, including costs for employee vacation, parental, family, medical, and sick leave. However, the CARES Act excludes qualified sick and family leave wages for which a credit is allowed under sections 7001 and 7003 of the Families First Coronavirus Response Act (Public Law 116–127). Learn more about the Paid Sick Leave Refundable Credit here.Question: My small business is a seasonal business whose activity increases from April to June. Considering activity from that period would be a more accurate reflection of my business’s operations. However, my small business was not fully ramped up on February 15, 2020. Am I still eligible? Answer: In evaluating a borrower’s eligibility, a lender may consider whether a seasonal borrower was in operation on February 15, 2020 or for an 8-week period between February 15, 2019 and June 30, 2019.Question: What if an eligible borrower contracts with a third-party payer such as a payroll provider or a Professional Employer Organization (PEO) to process payroll and report payroll taxes? Answer: SBA recognizes that eligible borrowers that use PEOs or similar payroll providers are required under some state registration laws to report wage and other data onAs of May 3, 2020the Employer Identification Number (EIN) of the PEO or other payroll provider. In these cases, payroll documentation provided by the payroll provider that indicates the amount of wages and payroll taxes reported to the IRS by the payroll provider for the borrower’s employees will be considered acceptable PPP loan payroll documentation. Relevant information from a Schedule R (Form 941), Allocation Schedule for Aggregate Form 941 Filers, attached to the PEO’s or other payroll provider’s Form 941, Employer’s Quarterly Federal Tax Return, should be used if it is available; otherwise, the eligible borrower should obtain a statement from the payroll provider documenting the amount of wages and payroll taxes. In addition, employees of the eligible borrower will not be considered employees of the eligible borrower’s payroll provider or PEO.Question: May lenders accept signatures from a single individual who is authorized to sign on behalf of the borrower? Answer: Yes. However, the borrower should bear in mind that, as the Borrower Application Form indicates, only an authorized representative of the business seeking a loan may sign on behalf of the business. An individual’s signature as an “Authorized Representative of Applicant” is a representation to the lender and to the U.S. government that the signer is authorized to make the certifications, including with respect to the applicant and each owner of 20% or more of the applicant’s equity, contained in the Borrower Application Form. Lenders may rely on that representation and accept a single individual’s signature on that basis.Question: I need to request a loan to support my small business operations in light of current economic uncertainty. However, I pleaded guilty to a felony crime a very long time ago. Am I still eligible for the PPP? Answer: Yes. Businesses are only ineligible if an owner of 20 percent or more of the equity of the applicant is presently incarcerated, on probation, on parole; subject to an indictment, criminal information, arraignment, or other means by which formal criminal charges are brought in any jurisdiction; or, within the last five years, for any felony, has been convicted; pleaded guilty; pleaded nolo contendere; been placed on pretrial diversion; or been placed on any form of parole or probation (including probation before judgment).Question: Are lenders permitted to use their own online portals and an electronic form that they create to collect the same information and certifications as in the Borrower Application Form, in order to complete implementation of their online portals? Answer: Yes. Lenders may use their own online systems and a form they establish that asks for the same information (using the same language) as the Borrower Application Form. Lenders are still required to send the data to SBA using SBA’s interface.Question: What time period should borrowers use to determine their number of employees and payroll costs to calculate their maximum loan amounts? As of May 3, 2020Answer: In general, borrowers can calculate their aggregate payroll costs using data either from the previous 12 months or from calendar year 2019. For seasonal businesses, the applicant may use average monthly payroll for the period between February 15, 2019, or March 1, 2019, and June 30, 2019. An applicant that was not in business from February 15, 2019 to June 30, 2019 may use the average monthly payroll costs for the period January 1, 2020 through February 29, 2020.Borrowers may use their average employment over the same time periods to determine their number of employees, for the purposes of applying an employee-based size standard. Alternatively, borrowers may elect to use SBA’s usual calculation: the average number of employees per pay period in the 12 completed calendar months prior to the date of the loan application (or the average number of employees for each of the pay periods that the business has been operational, if it has not been operational for 12 months).Question: Should payments that an eligible borrower made to an independent contractor or sole proprietor be included in calculations of the eligible borrower’s payroll costs? Answer: No. Any amounts that an eligible borrower has paid to an independent contractor or sole proprietor should be excluded from the eligible business’s payroll costs. However, an independent contractor or sole proprietor will itself be eligible for a loan under the PPP, if it satisfies the applicable requirements.Question: How should a borrower account for federal taxes when determining its payroll costs for purposes of the maximum loan amount, allowable uses of a PPP loan, and the amount of a loan that may be forgiven? Answer: Under the Act, payroll costs are calculated on a gross basis without regard to (i.e., not including subtractions or additions based on) federal taxes imposed or withheld, such as the employee’s and employer’s share of Federal Insurance Contributions Act (FICA) and income taxes required to be withheld from employees. As a result, payroll costs are not reduced by taxes imposed on an employee and required to be withheld by the employer, but payroll costs do not include the employer’s share of payroll tax. For example, an employee who earned $4,000 per month in gross wages, from which $500 in federal taxes was withheld, would count as $4,000 in payroll costs. The employee would receive $3,500, and $500 would be paid to the federal government. However, the employer-side federal payroll taxes imposed on the $4,000 in wages are excluded from payroll costs under the statute.33 The definition of “payroll costs” in the CARES Act, 15 U.S.C. 636(a)(36)(A)(viii), excludes “taxes imposed or withheld under chapters 21, 22, or 24 of the Internal Revenue Code of 1986 during the covered period,” defined as February 15, 2020, to June 30, 2020. As described above, the SBA interprets this statutory exclusion to mean that payroll costs are calculated on a gross basis, without subtracting federal taxes that are imposed on the employee or withheld from employee wages. Unlike employer-side payroll taxes, such employee-side taxes are ordinarily expressed as a reduction in employee take-home pay; their exclusion from the definition of payroll costs means payroll costs should not be reduced based on taxes imposed on the employee or withheld from employee wages. This interpretation is consistent with the text of the statute and advances the legislative purpose of ensuring workersAs of May 3, 2020remain paid and employed. Further, because the reference period for determining a borrower’s maximum loan amount will largely or entirely precede the period from February 15, 2020, to June 30, 2020, and the period during which borrowers will be subject to the restrictions on allowable uses of the loans may extend beyond that period, for purposes of the determination of allowable uses of loans and the amount of loan forgiveness, this statutory exclusion will apply with respect to such taxes imposed or withheld at any time, not only during such period.4 Questions 2 – 18 published April 6, 2020.5 Questions 19 – 20 published April 8, 2020.Question: I filed or approved a loan application based on the version of the PPP Interim Final Rule published on April 2, 2020. Do I need to take any action based on the updated guidance in these FAQs? Answer: No. Borrowers and lenders may rely on the laws, rules, and guidance available at the time of the relevant application. However, borrowers whose previously submitted loan applications have not yet been processed may revise their applications based on clarifications reflected in these FAQs.Question: Are PPP loans for existing customers considered new accounts for FinCEN Rule CDD purposes? Are lenders required to collect, certify, or verify beneficial ownership information in accordance with the rule requirements for existing customers? Answer: If the PPP loan is being made to an existing customer and the necessary information was previously verified, you do not need to re-verify the information. Furthermore, if federally insured depository institutions and federally insured credit unions eligible to participate in the PPP program have not yet collected beneficial ownership information on existing customers, such institutions do not need to collect and verify beneficial ownership information for those customers applying for new PPP loans, unless otherwise indicated by the lender’s risk-based approach to BSA compliance.4Question: Do lenders have to use a promissory note provided by SBA or may they use their own? Answer: Lenders may use their own promissory note or an SBA form of promissory note.Question: The amount of forgiveness of a PPP loan depends on the borrower’s payroll costs over an eight-week period; when does that eight-week period begin? Answer: The eight-week period begins on the date the lender makes the first disbursement of the PPP loan to the borrower. The lender must make the first disbursement of the loan no later than ten calendar days from the date of loan approval.5Question: Do lenders need a separate SBA Authorization document to issue PPP loans? Answer: No. A lender does not need a separate SBA Authorization for SBA to guarantee a PPP loan. However, lenders must have executed SBA Form 2484 (theAs of May 3, 2020to issue PPP loans and receive a loan number for each originated PPP loan. Lenders may include in their promissory notes for PPP loans any terms and conditions, including relating to amortization and disclosure, that are not inconsistent with Sections 1102 and 1106 of the CARES Act, the PPP Interim Final Rules and guidance, and SBA Form 2484.As of May 3, 2020Lender Application Form for the Paycheck Protection Program)6to issue PPP loans and receive a loan number for eachoriginated PPP loan. Lendersmay include in theirpromissory notes for PPP loans any terms and conditions, including relating to amortization and disclosure, that arenot inconsistent with Sections 1102 and 1106 of theCARES Act, the PPP Interim Final Rulesand guidance, and SBA Form 2484.22.Question: I am a non-bank lender that meets allapplicable criteria of the PPP InterimFinal Rule. Will I be automatically enrolledas a PPP lender? What criteria will SBAand theTreasuryDepartmentuse to assess whetherto approvemy application to participate as a PPP lender? Answer:We encourage lenders that arenot currently7(a) lenders to apply in order to increase the scope of PPP lending optionsand the speed with which PPP loanscan be disbursedtohelp small businesses across America.We recognize that financialtechnology solutionscan promote efficiency and financial inclusionin implementingthePPP. Applicants should submit SBA Form 3507 and the relevant attachments to NFRLApplicationForPPP@sba.gov.Submission of theSBA Form3507does notresult in automatic enrollmentin the PPP.SBA and the Treasury Department willevaluate each application from anon-bank or non-insured depository institution lenderand determine whetherthe applicant has the necessary qualifications to process, close,disburse, andservice PPP loans made with SBA’sguarantee. SBAmay requestadditionalinformation from the applicant beforemaking a determination.23.Question: How do the $10 million cap and affiliationruleswork for franchises? Answer:If a franchise brand islisted on the SBA Franchise Directory,each of itsfranchiseesthat meets the applicable size standardcan apply for a PPP loan. (Thefranchisor does not apply on behalf of its franchisees.)The $10 million cap on PPP loansis a limit perfranchisee entity,and each franchisee is limited to one PPP loan.Franchise brands that have been denied listing on the Directory because of affiliation between franchisor andfranchisee may request listing toreceive PPP loans.SBA willnot apply affiliation rules to afranchise brand requesting listing on the Directory to participatein the PPP, but SBA will confirm that the brandis otherwiseeligible for listing on the Directory.24.Question: How do the $10 million cap and affiliationruleswork for hotels and restaurants (and any business assigned a North American Industry Classification System(NAICS)code beginning with 72)? Answer:Under the CARES Act,any singlebusinessentitythat is assigned a NAICScode beginning with 72 (includinghotels andrestaurants) andthat employs not more than 500employees perphysicallocationiseligible to receive a PPPloan.6Thisrequirementissatisfiedbyalenderwhenthelendercompletesthe processofsubmitting aloan through the E-Transystem;notransmissionorretentionofaphysical copy of Form2484isrequired.As of May 3, 2020In addition, SBA’s affiliation rules (13 CFR 121.103 and 13 CFR 121.301) do not apply to any business entity that is assigned a NAICS code beginning with 72 and that employs not more than a total of 500 employees. As a result, if each hotel or restaurant location owned by a parent business is a separate legal business entity, each hotel or restaurant location that employs not more than 500 employees is permitted to apply for a separate PPP loan provided it uses its unique EIN.The $10 million maximum loan amount limitation applies to each eligible business entity, because individual business entities cannot apply for more than one loan. The following examples illustrate how these principles apply.Example 1. Company X directly owns multiple restaurants and has no affiliates.Company X may apply for a PPP loan if it employs 500 or fewer employees per location (including at its headquarters), even if the total number of employees employed across all locations is over 500. Example 2. Company X wholly owns Company Y and Company Z (as a result, Companies X, Y, and Z are all affiliates of one another). Company Y and Company Z each own a single restaurant with 500 or fewer employees.Company Y and Company Z can each apply for a separate PPP loan, because each has 500 or fewer employees. The affiliation rules do not apply, because Company Y and Company Z each has 500 or fewer employees and is in the food services business (with a NAICS code beginning with 72). Example 3. Company X wholly owns Company Y and Company Z (as a result, Companies X, Y, and Z are all affiliates of one another). Company Y owns a restaurant with 400 employees. Company Z is a construction company with 400 employees.Company Y is eligible for a PPP loan because it has 500 or fewer employees. The affiliation rules do not apply to Company Y, because it has 500 or fewer employees and is in the food services business (with a NAICS code beginning with 72).The waiver of the affiliation rules does not apply to Company Z, because Company Z is in the construction industry. Under SBA’s affiliation rules, 13 CFR 121.301(f)(1) and (3), Company Y and Company Z are affiliates of one another because they are under the common control of Company X, which wholly owns both companies. This means that the size of Company Z is determined by adding its employees to those of Companies X and Y. Therefore, Company Z is deemed to have more than 500 employees, together with its affiliates. However, Company Z may be eligible to receive a PPP loan as a small business concern if it, together with Companies X and Y, meets SBA’s other applicable size standards,” as explained in FAQ #2. Question: Does the information lenders are required to collect from PPP applicants regarding every owner who has a 20% or greater ownership stake in the applicant business (i.e., owner name, title, ownership %, TIN, and address) satisfy a lender’s obligation to collect beneficial ownership information (which has a 25% ownership threshold) under the Bank Secrecy Act? As of May 3, 2020Answer: For lenders with existing customers: With respect to collecting beneficial ownership information for owners holding a 20% or greater ownership interest, if the PPP loan is being made to an existing customer and the lender previously verified the necessary information, the lender does not need to re-verify the information. Furthermore, if federally insured depository institutions and federally insured credit unions eligible to participate in the PPP program have not yet collected such beneficial ownership information on existing customers, such institutions do not need to collect and verify beneficial ownership information for those customers applying for new PPP loans, unless otherwise indicated by the lender’s risk-based approach to Bank Secrecy Act (BSA) compliance.For lenders with new customers: For new customers, the lender’s collection of the following information from all natural persons with a 20% or greater ownership stake in the applicant business will be deemed to satisfy applicable BSA requirements and FinCEN regulations governing the collection of beneficial ownership information: owner name, title, ownership %, TIN, address, and date of birth. If any ownership interest of 20% or greater in the applicant business belongs to a business or other legal entity, lenders will need to collect appropriate beneficial ownership information for that entity. If you have questions about requirements related to beneficial ownership, go to https://www.fincen.gov/resources/statutes-and-regulations/cdd-final-rule. Decisions regarding further verification of beneficial ownership information collected from new customers should be made pursuant to the lender’s risk-based approach to BSA compliance.77 Questions 21 – 25 published April 13, 2020.Question: SBA regulations require approval by SBA’s Standards of Conduct Committee (SCC) for SBA Assistance, other than disaster assistance, to an entity, if its sole proprietor, partner, officer, director, or stockholder with a 10 percent or more interest is: a current SBA employee; a Member of Congress; an appointed official or employee of the legislative or judicial branch; a member or employee of an SBA Advisory Council or SCORE volunteer; or a household member of any of the preceding individuals. Do these entities need the approval of the SCC in order to be eligible for a PPP loan? Answer: The SCC has authorized a blanket approval for PPP loans to such entities so that further action by the SCC is not necessary in the PPP program.Question: SBA regulations require a written statement of no objection by the pertinent Department or military service before it provides any SBA Assistance, other than disaster loans, to an entity, if its sole proprietor, partner, officer, director, or stockholder with a 10 percent or more interest, or if a household member of any of the preceding individuals, is an employee of another Government Department or Agency having a grade of at least GS-13 or its equivalent. Does this requirement apply to PPP loans? As of May 3, 2020Answer: No. The SCC has determined that a written statement of no objection is not required from another Government Department or Agency for PPP loans.Question: Is a lender permitted to submit a PPP loan application to SBA through E-Tran before the lender has fulfilled its responsibility to review the required borrower documentation and calculation of payroll costs? Answer: No. Before a lender submits a PPP loan through E-Tran, the lender must have collected the information and certifications contained in the Borrower Application Form and the lender must have fulfilled its obligations set forth in paragraphs 3.b.(i)-(iii) of the PPP Interim Final Rule. Please refer to the Interim Final Rule and FAQ #1 for more information on the lender’s responsibility regarding confirmation of payroll costs.Lenders who did not understand that these steps are required before submission to E-Tran need not withdraw applications submitted to E-Tran before April 14, 2020, but must fulfill lender responsibilities with respect to those applications as soon as practicable and no later than loan closing.88 Questions 26 – 28 published April 14, 2020.9 Question 29 published April 15, 2020.10 Question 30 published April 17, 2020.Question: Can lenders use scanned copies of documents or E-signatures or E-consents permitted by the E-sign Act? Answer: Yes. All PPP lenders may accept scanned copies of signed loan applications and documents containing the information and certifications required by SBA Form 2483 and the promissory note used for the PPP loan. Additionally, lenders may also accept any form of E-consent or E-signature that complies with the requirements of the Electronic Signatures in Global and National Commerce Act (P.L. 106-229).If electronic signatures are not feasible, when obtaining a wet ink signature without in-person contact, lenders should take appropriate steps to ensure the proper party has executed the document.This guidance does not supersede signature requirements imposed by other applicable law, including by the lender’s primary federal regulator.9Question: Can a lender sell a PPP loan into the secondary market? Answer: Yes. A PPP loan may be sold into the secondary market at any time after the loan is fully disbursed. A secondary market sale of a PPP loan does not require SBA approval. A PPP loan sold into the secondary market is 100% SBA guaranteed. A PPP loan may be sold on the secondary market at a premium or a discount to par value.10As of May 3, 2020Question: Do businesses owned by large companies with adequate sources of liquidity to support the business’s ongoing operations qualify for a PPP loan? Answer: In addition to reviewing applicable affiliation rules to determine eligibility, all borrowers must assess their economic need for a PPP loan under the standard established by the CARES Act and the PPP regulations at the time of the loan application. Although the CARES Act suspends the ordinary requirement that borrowers must be unable to obtain credit elsewhere (as defined in section 3(h) of the Small Business Act), borrowers still must certify in good faith that their PPP loan request is necessary. Specifically, before submitting a PPP application, all borrowers should review carefully the required certification that “[c]urrent economic uncertainty makes this loan request necessary to support the ongoing operations of the Applicant.” Borrowers must make this certification in good faith, taking into account their current business activity and their ability to access other sources of liquidity sufficient to support their ongoing operations in a manner that is not significantly detrimental to the business. For example, it is unlikely that a public company with substantial market value and access to capital markets will be able to make the required certification in good faith, and such a company should be prepared to demonstrate to SBA, upon request, the basis for its certification.Lenders may rely on a borrower’s certification regarding the necessity of the loan request. Any borrower that applied for a PPP loan prior to the issuance of this guidance and repays the loan in full by May 7, 2020 will be deemed by SBA to have made the required certification in good faith.1111 Question 31 published April 23, 2020.Question: Does the cost of a housing stipend or allowance provided to an employee as part of compensation count toward payroll costs? Answer: Yes. Payroll costs includes all cash compensation paid to employees, subject to the $100,000 annual compensation per employee limitation.Question: Is there existing guidance to help PPP applicants and lenders determine whether an individual employee’s principal place of residence is in the United States? Answer: PPP applicants and lenders may consider IRS regulations (26 CFR § 1.121-1(b)(2)) when determining whether an individual employee’s principal place of residence is in the United States.Question: Are agricultural producers, farmers, and ranchers eligible for PPP loans? Answer: Yes. Agricultural producers, farmers, and ranchers are eligible for PPP loans if: (i) the business has 500 or fewer employees, or (ii) the business fits within the revenue-based sized standard, which is average annual receipts of $1 million.Additionally, agricultural producers, farmers, and ranchers can qualify for PPP loans as a small business concern if their business meets SBA’s “alternative size standard.” TheAs of May 3, 2020“alternative size standard” is currently: (1) maximum net worth of the business is not more than $15 million, and (2) the average net income after Federal income taxes (excluding any carry-over losses) of the business for the two full fiscal years before the date of the application is not more than $5 million.For all of these criteria, the applicant must include its affiliates in its calculations. Link to Applicable Affiliation Rules for the PPP.Question: Are agricultural and other forms of cooperatives eligible to receive PPP loans? Answer: As long as other PPP eligibility requirements are met, small agricultural cooperatives and other cooperatives may receive PPP loans.1212 Questions 32 – 35 published April 24, 2020.13 Questions 36 published April 26, 2020.14 Question 37 published April 28, 2020.Question: To determine borrower eligibility under the 500-employee or other applicable threshold established by the CARES Act, must a borrower count all employees or only full-time equivalent employees? Answer: For purposes of loan eligibility, the CARES Act defines the term employee to include “individuals employed on a full-time, part-time, or other basis.” A borrower must therefore calculate the total number of employees, including part-time employees, when determining their employee headcount for purposes of the eligibility threshold. For example, if a borrower has 200 full-time employees and 50 part-time employees each working 10 hours per week, the borrower has a total of 250 employees.By contrast, for purposes of loan forgiveness, the CARES Act uses the standard of “full-time equivalent employees” to determine the extent to which the loan forgiveness amount will be reduced in the event of workforce reductions.13Question: Do businesses owned by private companies with adequate sources of liquidity to support the business’s ongoing operations qualify for a PPP loan? Answer: See response to FAQ #31.14Question: Section 1102 of the CARES Act provides that PPP loans are available only to applicants that were “in operation on February 15, 2020.” Is a business that was in operation on February 15, 2020 but had a change in ownership after February 15, 2020 eligible for a PPP loan? Answer: Yes. As long as the business was in operation on February 15, 2020, if it meets the other eligibility criteria, the business is eligible to apply for a PPP loan regardless of the change in ownership. In addition, where there is a change in ownership effectuated through a purchase of substantially all assets of a business that was in operation onAs of May 3, 2020February 15, the business acquiring the assets will be eligible to apply for a PPP loan even if the change in ownership results in the assignment of a new tax ID number and even if the acquiring business was not in operation until after February 15, 2020. If the acquiring business has maintained the operations of the pre-sale business, the acquiring business may rely on the historic payroll costs and headcount of the pre-sale business for the purposes of its PPP application, except where the pre-sale business had applied for and received a PPP loan. The Administrator, in consultation with the Secretary, has determined that the requirement that a business “was in operation on February 15, 2020” should be applied based on the economic realities of the business’s operations.Question: Will SBA review individual PPP loan files? Answer: Yes. In FAQ #31, SBA reminded all borrowers of an important certification required to obtain a PPP loan. To further ensure PPP loans are limited to eligible borrowers in need, the SBA has decided, in consultation with the Department of the Treasury, that it will review all loans in excess of $2 million, in addition to other loans as appropriate, following the lender’s submission of the borrower’s loan forgiveness application. Additional guidance implementing this procedure will be forthcoming.The outcome of SBA’s review of loan files will not affect SBA’s guarantee of any loan for which the lender complied with the lender obligations set forth in paragraphs III.3.b(i)-(iii) of the Paycheck Protection Program Rule (April 2, 2020) and further explained in FAQ #1.1515 Questions 38 – 39 published April 29, 2020.Question: Will a borrower’s PPP loan forgiveness amount (pursuant to section 1106 of the CARES Act and SBA’s implementing rules and guidance) be reduced if the borrower laid off an employee, offered to rehire the same employee, but the employee declined the offer? Answer: No. As an exercise of the Administrator’s and the Secretary’s authority under Section 1106(d)(6) of the CARES Act to prescribe regulations granting de minimis exemptions from the Act’s limits on loan forgiveness, SBA and Treasury intend to issue an interim final rule excluding laid-off employees whom the borrower offered to rehire (for the same salary/wages and same number of hours) from the CARES Act’s loan forgiveness reduction calculation. The interim final rule will specify that, to qualify for this exception, the borrower must have made a good faith, written offer of rehire, and the employee’s rejection of that offer must be documented by the borrower. Employees and employers should be aware that employees who reject offers of re-employment may forfeit eligibility for continued unemployment compensation.Question: Can a seasonal employer that elects to use a 12-week period between May 1, 2019 and September 15, 2019 to calculate its maximum PPP loan amount under the interim final rule issued by Treasury on April 27, 2020, make all the required certifications on the Borrower Application Form? As of May 3, 2020Answer: Yes. The Borrower Application Form requires applicants to certify that “The Applicant is eligible to receive a loan under the rules in effect at the time this application is submitted that have been issued by the Small Business Administration (SBA) implementing the Paycheck Protection Program.” On April 27, 2020, Treasury issued an interim final rule allowing seasonal borrowers to use an alternative base period for purposes of calculating the loan amount for which they are eligible under the PPP. An applicant that is otherwise in compliance with applicable SBA requirements, and that complies with Treasury’s interim final rule on seasonal workers, will be deemed eligible for a PPP loan under SBA rules. Instead of following the instructions on page 3 of the Borrower Application Form for the time period for calculating average monthly payroll for seasonal businesses, an applicant may elect to use the time period in Treasury’s interim final rule on seasonal workers.Question: Do nonprofit hospitals exempt from taxation under section 115 of the Internal Revenue Code qualify as “nonprofit organizations” under section 1102 of the CARES Act? Answer: Section 1102 of the CARES Act defines the term “nonprofit organization” as “an organization that is described in section 501(c)(3) of the Internal Revenue Code of 1986 and that is exempt from taxation under section 501(a) of such Code.” The Administrator, in consultation with the Secretary of the Treasury, understands that nonprofit hospitals exempt from taxation under section 115 of the Internal Revenue Code are unique in that many such hospitals may meet the description set forth in section 501(c)(3) of the Internal Revenue Code to qualify for tax exemption under section 501(a), but have not sought to be recognized by the IRS as such because they are otherwise fully tax-exempt under a different provision of the Internal Revenue Code.Accordingly, the Administrator will treat a nonprofit hospital exempt from taxation under section 115 of the Internal Revenue Code as meeting the definition of “nonprofit organization” under section 1102 of the CARES Act if the hospital reasonably determines, in a written record maintained by the hospital, that it is an organization described in section 501(c)(3) of the Internal Revenue Code and is therefore within a category of organization that is exempt from taxation under section 501(a).16 The hospital’s certification of eligibility on the Borrower Application Form cannot be made without this determination. This approach helps accomplish the statutory purpose of ensuring that a broad range of borrowers, including entities that are helping to lead the medical response to the ongoing pandemic, can benefit from the loans provided under the PPP.16 This determination need not account for the ancillary conditions set forth in section 501(r) of the Internal Revenue Code and elsewhere associated with securing the tax exemption under that section. Section 501(r) states that a hospital organization shall not be treated as described in section 501(c)(3) unless it meets certain community health and other requirements. However, section 1102 of the CARES Act defines the term “nonprofit organization” solely by reference to section 501(c)(3), and section 501(r) does not amend section 501(c)(3). Therefore, for purposes of the PPP, the requirements of section 501(r) do not apply to the determination of whether an organization is “described in section 501(c)(3).”As of May 3, 2020This guidance is solely for purposes of qualification as a “nonprofit organization” under section 1102 of the CARES Act and related purposes of the CARES Act, and does not have any consequences for federal tax law purposes. Nonprofit hospitals should also review all other applicable eligibility criteria, including the Interim Final Rules on Promissory Notes, Authorizations, Affiliation, and Eligibility (April 28, 2020) regarding an important limitation on ownership by state or local governments. 85 FR 23450, 23451.17  

Question: Should a female focus on lowering DHT to avoid pattern baldness? Carrie: DHT is only one of the alpha metabolites. If you just do it in serum, that's usually what everyone test, but there are some other big ones, androsterone, and 5 alpha-androstanediol is another big one that you can test in your intestine. DHT maybe low in women, but I'll see the androsterone be really elevated which is more common in women I see. In which case, yes, you can decrease testosterone, but you need to get yourself sort of off the 5 alpha pathway. That's when you're looking at one, lifestyle, so decreasing stress, looking at your insulin, but then supplemental. This is where you're looking at the things like saw palmetto, stinging nettle root, Pygeum africanum, EGCG from green tea, reishi mushrooms, zinc. Those things help reduce the 5 alpha effect to reduce the male pattern baldness effect. That's usually what I see. You can't reduce the testosterone, but really it's the pathway. It's going down. You're probably just missing the metabolite that's causing the problem. This Q&A can also be found as part of a much longer episode, here: https://chrismasterjohnphd.com/podcast/2019/10/19/ask-us-anything-hormones-dr-carrie-jones-may-10-2019 If you would like to be part of the next live Ask Me Anything About Nutrition, sign up for the CMJ Masterpass, which includes access to these live Zoom sessions, premium features on all my content, and hundreds of dollars of exclusive discounts. You can sign up with a 10% lifetime discount here: https://chrismasterjohnphd.com/q&a ====== DISCLAIMER: I have a PhD in Nutritional Sciences and my expertise is in performing and evaluating nutritional research. I am not a medical doctor and nothing herein is medical advice. PLEASE NOTE: As a result of the COVID-19 crisis and the time I am committing to staying on top of relevant research, as well as the high volume of questions I receive, it may take me extra time to respond to questions here. For an up-to-date list of where I respond to questions most quickly, please see the contact page on chrismasterjohnphd.com. =======

Question: Should someone with low testosterone go back on testosterone replacement therapy or wait it out? Carrie: Men have luteinizing hormone just like women do. It comes from the brain. It's what stimulates the testes to make testosterone. If you have low LH, then I know it's a brain problem, not necessarily a testicular problem. If your LH is normal, it's not in the brain. Chris: If the question is how long should he wait, waiting is probably not going to give you any more answers than it was giving you for the last five years. Waiting probably isn't going to raise your testosterone. If you have one measurement that it's 100 in the morning and 45 in the night, you don't really know if it's increasing, like maybe six months ago it was 50. If you wanted to wait, what I would do is do some follow-up testing to see if it's actually changing over time. But if it's been flattened out for five years, I don't think it's going anywhere. But if it's been going up ten nanograms per deciliter every three months for the last five years, then you probably could wait it out. But without knowing that, there's no data indicating that waiting is a good strategy here, it sounds like. This Q&A can also be found as part of a much longer episode, here: https://chrismasterjohnphd.com/podcast/2019/10/19/ask-us-anything-hormones-dr-carrie-jones-may-10-2019 If you would like to be part of the next live Ask Me Anything About Nutrition, sign up for the CMJ Masterpass, which includes access to these live Zoom sessions, premium features on all my content, and hundreds of dollars of exclusive discounts. You can sign up with a 10% lifetime discount here: https://chrismasterjohnphd.com/q&a ====== DISCLAIMER: I have a PhD in Nutritional Sciences and my expertise is in performing and evaluating nutritional research. I am not a medical doctor and nothing herein is medical advice. PLEASE NOTE: As a result of the COVID-19 crisis and the time I am committing to staying on top of relevant research, as well as the high volume of questions I receive, it may take me extra time to respond to questions here. For an up-to-date list of where I respond to questions most quickly, please see the contact page on chrismasterjohnphd.com. =======

A week ago I noted that nearly half of the newspaper and media stories were about the COVID-19 virus (and I’m going to try and stop using Corona virus out of respect for Corona Beer and Corona Cigars, neither of which had anything to do with this). This morning as I read the newspaper, 9 out of 10 stories were either about the pandemic or the effects of the pandemic. US cases as of today, March 19 exceed 10,000 and we have had 161 deaths. Not to be insensitive but to provide a little perspective, So far in 2020, the flu has hospitalized more than 250,000 and more than 14,000 have died.  It’s staggering to see the entire American economy come to a grinding halt. Just today, San Francisco is shutting down the entire city for four weeks. Churches, restaurants, bars, and gyms across the country are not meeting. People are either working from home or not working. And the financial effects are being felt from Wall Street to Main Street. Those with good jobs are suddenly without work and are facing an imminent crisis when their cash runs out.  How will they pay mortgage or rent? How will they buy food? How will they live? The government is stepping in. Congress has already passed two stimulus measures and they are working on more, more than $1 trillion in stimulus spending is planned and the White House has said they will do more if needed. FHA has called a moratorium on foreclosures and evictions from all FHA guaranteed loans for the duration of the crisis, At least three cities have already banned evictions and others are considering it. I’m immediately wondering two things. How far up the food chain will the forgiveness for non-payment go? We can’t evict our tenants for non-payment, but without their rent, we may not be able to pay our mortgages. For those with free and clear rentals, that money may be our primary income. What will we do? All of the social distancing is designed to protect the contagion from spreading. But this cannot last forever. When it DOES end, if only one person in the world is still contagious, what is to keep this from starting all over again?  I believe the health experts are working on answers to the second question. Our purpose over the next little while is to try and address more of the economic questions, particularly with regard to real estate investors.  My team and I will give 30 minutes of our time at no cost or obligation to help you take the next steps - or your first steps in your RE business. Go to bit.ly/talktoroger Also, we have lowered the price of our entry level course, “Real Estate Investing Quick Start” to $97 for the duration of the crisis. bit.ly/requickstart The Economy as a whole The Short-Term economic outlook. The Long-Term impact The Recovery time and process (once we hear the “all clear). Question: Do you expect a quick snap-back due to growing pent up demand? (A V-shaped recovery?) The Federal Government Economic Intervention Stimulus package passed Wednesday afternoon: 2 weeks paid leave for employees.  $1 Trillion stimulus package on the way. FHA backed loans will not foreclose for at least 60 days.  Other initiatives? Local California stops evictions. Boston and New York considering.  Question: Should these same municipalities spare the landlords from having to maintain properties and pay mortgages during this time? How far up the ladder should relief go? Asset Classes for Discussion. How do you see each of these areas being impacted? And more importantly, what can people do who make their livelihoods here? Single Family Fix and Flip Single Family Rentals Multi-Family Rentals Short-Term Rentals Other Real Estate Investing Strategies General Questions: What should each listener do right now? Your top 2 things What opportunities are out there right now?  What opportunities will be there when recovery is underway? When the “all clear” is given, what is the optimal position for us to be in? How to contact us www.flippingamerica.net.  Facebook.com/flippingamericamedia Twitter and Instagram @FlippingAmerica Call our National Comment Line: 877-55-ROGER (76437)   ext 1. Leave your message or your question.  Email your questions to questions@rogerblankenship.com. Please always tell us where you are from. We like to know where the show is being heard. And let us know how you found out about us if you don’t mind.  Sponsors American IRA: www.americanIRA.com Civic Financial: bit.ly/CivicFunding RE QuickStart bit.ly/REquickstart  Announcements: The Flipping America REIA meets every Wednesday from noon to 2 and Thursday from 7-9. You can join the REIA and learn real estate investing from the comfort of your own home, or get together with a few friends and form a chapter in your area. Learn more at flippingamericareia.com.   Flipping America App is in the app store. You can listen to the show, read the show notes, and the entire catalog of shows is now available to you. It’s a free download and there are no upsells or in-app purchases. Free to download, free to listen. Go ahead and give it a try and drop me a line and let me know what you think. FlipCalcs allows you to enter one data set about a property and consider up to six deal possibilities.  “Real Estate Investing Quick Start” Fifteen lessons to start your real estate investing career. Study from the comfort of your own home. I give you 8 action assignments in lesson 1 and show you how to complete them while holding your feet to the fire over the next 15 lessons. bit.ly/requickstart. News:  250,000 hospitalizations, 14,000+ deaths. The FLU, not Covid-19, 105 children have died. 6.8% of those contracting the flu will die. https://www.usnews.com/news/health-news/articles/2020-02-21/flu-season-thats-sickened-26-million-may-be-at-its-peak Mortality rate from Covid-19, 4.12% https://www.worldometers.info/coronavirus/       Topic: RE Investing During a Pandemic   Your Questions: Send emails to questions@rogerblankenship.com Many “If I can’t collect my rent, what am I supposed to tell my mortgage company?” Carter, Tampa, FL “I have several tenants who are already not paying, although I believe it has nothing to do with the coronavirus. As I write this only about 20 people in our metro area have it. How do I proceed?”  Suzanne, Villages of Ocala, FL “We live in a retirement community and along with our neighbors we are truly frightened. No one is going out. We are having food and supplies delivered and sanitizing the bags they come in before touching them. I can’t help but wonder how America is going to cope. I love your show and enjoy your enthusiasm. I’m just wondering what your outlook is right now.” Motivational Thoughts for the day “It’s going to be OK in the end. If it’s not OK, it’s not the end.” -Roger Blankenship   Tags: 

nyccr - 20/2020 - 12 ANGRY TEENS legendary nyc comedian Pat Dixon takes you on a selective tour of America's largest city NOW. It's a place and time where: A guy smoking K2 blunders off the platform of a filthy subway station and onto the filthier track bed where the third rail and the oncoming subway train vie for the alley-oop tossed up by the synthetic weed, to dunk the blasted man into eternity. A LARGE number of pissed off teenagers beat and kicked a 15-yr-old girl who had no defense against the violent gang of chest-stomping fuckwads. AFTER beating her to a pulp, they stole her Air Jordans, her phone and her debit card. A possible hate crime is revealed to be unlikely, as we logically deduce the likely culprit in the vandalism of a man's car. A nonverbal special needs student gets unwanted "special" attention from a teacher. Question: Should the teacher be fired and lose all pension, hope of career/security over just one little mistake? Keep in mind, the teachers union is basically undefeated.

Nestled in the center of Seattle Washington is Green Lake, a picturesque and popular site for locals and vacationers. In 1970, one group of vacationers was a sweet couple with a 3-year-old little boy whose natural curiosity led him away from his parents and toward the lake unbeknownst to them. Within seconds this little boy fell into the waters and would have drowned if it wasn’t for a dark-haired handsome college student who jumped into the lake without hesitation and saved the little boy. “Not all psychopaths are in prison - some are in the boardroom. ” — Robert D. Hare This charismatic young man, a true hero, would go on a murderous rampage 4 years later. Before his execution, he confessed to killing 30 women; although authorities suspect the actual number is 100. They also believe that he had already killed by the time he saved the little boy on that fateful day. At his execution, prison guards stated that the only time they ever saw fear in him was when he walked into the death chamber and saw the electric chair waiting for him.A true psychopathic serial killer named…Ted Bundy.Just the word PSYCHOPATH conjures up images of serial killers like Ted Bundy, the Zodiac Killer, BTK, and Norman Bates from Bates Motel. However, many NORMAL individuals who would never kill another human being have psychopathic tendencies.Listen to this quote from one of the world’s top neurosurgeons:"In the operating theatre I am reborn: as a cold, heartless machine, totally at one with scalpel, drill and saw. Emotion is entropy and seriously bad for business. I’ve hunted it down to extinction over the years."Psychopathy is measured on a spectrum scale meaning some have a measure of psychopathy but are able to function like everyone else in society. Dr. Keven Dutton, describes psychopaths as possessing a distinct subset of personality characteristics such as ruthlessness, fearlessness, self-confidence, focus, coolness under pressure, mental toughness, charm, charisma and a zero-calorie conscience.Psychopaths are attracted to the following careers:1. CEO2. Lawyer3. Media (Television/Radio)4. Salesperson5. Surgeon6. Journalist7. Police officer8. Clergy person9. Chef10. Civil servantYou will not find psychopaths working as nurses or teachers unless they have some nefarious purpose (like the serial killer nurse Charles Cullen, also called the ANGEL OF DEATH, suspected of killing 300 people) because they lack emotions and the ability to identify with others or what we call empathy.But there are some things we can learn from psychopaths:1. Cool under pressure (that’s due to that whole “no emotion or empathy thing). When Neil Armstrong and Buzz Aldrin arrive at the moon, they were surprised at how rugged the terrain was. In fact, it was so rugged, they couldn’t find anywhere to land. With mere minutes left of fuel, Neil told Buzz to start counting down at 10 seconds. Sure enough, at the 10 second mark, Buzz started…10, 9, 8, 7, 6, 5… And the rest is history.But here’s what’s interesting. Buzz’s respirations, pulse, and blood pressure showed definite stress while Neil’s pulse actually slowed down revealing he was calmer. Research has revealed that when psychopaths smell fear, they actually calm down and enter into a zone of increased focus and calculation. Non-psychopaths feed off others’ fear and get scared themselves when they smell it. You don’t want a brain surgeon getting nervous while inside your skull. “Pretend and real are all real to a psychopath. ” — Lorraine Toussaint 2. Extreme focus. Once a psychopath focuses on a goal, he is relentless until he completes it. All else disappears. While this might be obsessive for psychopaths, it’s a good trait for non-psychopaths to develop. When you’re focused on a task, you enter into “the zone” where you get 80% done using only 20% effort If that zone is interrupted by anything, it can take an hour to recover your focus. Sometimes longer. 3. Live in the present. Again, you can see how this trait could cause problems if one never learns from the past. Our past experiences can be used to help us grow as individuals. But too many are bound by their past and unable to live in the present missing all the opportunities and moments that add flavor and zest to life. 4. Mental toughness. Any entrepreneur knows that mental toughness is a must! Obstacles are the name of the game. Rejection is normal. Solving problems is required. Psychopaths have a mental toughness that serves them well whether escaping prison like Ted Bundy (twice) or having your windows idea stolen by a competitor and going on to develop the iPhone and iPad like Steve Jobs did. 5. Persuasive. This trait is what serves the psychopath well in his career of choice: CEO, Salesperson, Clergy, murderer. Psychopaths are able to charm the socks off most. I mean Ted Bundy persuaded some of his female victims to help him to his vehicle sporting a fake arm cast…at night. Persuasion is the number 1 skill needed by salespeople, realtors, and CEO’s. Note I said, “Skill.” It can be learned. On the surface, psychopaths are very charming, likable, and a lot of fun. Spend too much time with them, you might see the shallowness, arrogance, and lack of empathy. But you’ll still like them.So how could Ted Bundy save a child when he was a psychopathic serial killer? Well, it’s a tad complicated. Researchers have discovered two types of empathy: hot or cold. The late philosopher, Philippa Foot, suggested the following conundrum:A railway trolley is hurtling down a track. In its path are five people who are trapped on the line and cannot escape. Fortunately, you can flip a switch that will divert the trolley down a fork in the track away from the five people—but at a price. There is another person trapped down that fork, and the trolley will kill him or her instead. Should you hit the switch?Most of us would probably flip the switch even though unpleasant to save 5 and only kill one. But let’s take this conundrum a bit further, proposed by philosopher Judith Jarvis Thomson:As before, a railway trolley is speeding out of control down a track toward five people. But this time you are standing behind a very large stranger on a footbridge above the tracks. The only way to save the five people is to heave the stranger over. He will fall to a certain death. But his considerable girth will block the trolley, saving five lives. Question: Should you push him?In both scenarios, 1 dies and 5 are saved, but in the second scenario, you have to PERSONALLY kill a man of “considerable girth” to save the 5. This is where many diverge. Most people’s empathy is hot meaning when the situation is no longer “hitting a switch” but actually harming another person, most just can’t do it. A psychopath would happily through the man over the bridge to save the 5. It’s called cold empathy, a steely reasoning that psychopaths possess. The death of a little boy drowning didn’t serve any purpose for Ted Bundy. No pleasure in that death. Senseless. I guarantee you, though, he felt no emotion or empathy in saving the toddler. It was simply a calculated decision and it made him a hero.

Mental Models discussed in this podcast: Hedging and Insurance Costs Purchasing Power Parity Please review and rate the podcast If you enjoyed this podcast and found it helpful, please consider leaving me a rating and review. Your feedback helps me to improve the podcast and grow the show's audience.  Follow me on Twitter and YouTube Twitter Handle: @TreyHenninger YouTube Channel: DIY Investing Support the Podcast on Patreon This is a podcast supported by listeners like you. If you'd like to support this podcast and help me to continue creating great investing content, please consider becoming a Patron at DIYInvesting.org/Patron. You can find out more information by listening to episode 11 of this podcast.  Show Outline The full show notes for this episode are available at https://www.diyinvesting.org/Episode59 Understanding Currency Exchange Rates Most world currencies are free-floating Their value fluctuates in price every day against all other currencies They are fiat currencies. Which means no assets back up their value. Such as gold or real estate. Instead, the value of all currencies is simply based on trust. Exchange rates, therefore, embed assumptions about the future outlook for each country. This can include factors like interest rates, currency creation, or central bank policy.  Purchasing Power Parity Hamburger test: How much does it cost to purchase a McDonalds Hamburger in each country. In some countries, the hamburger will be cheaper than the others.  How does this relate to investing in companies? When you buy foreign stocks, you have two key risks: The company buys and sells its goods in a different currency than the one you use in your country. You bought the stock in a different currency than the one you use in your country.  If exchange rates change, you could face additional gains or losses.  How to manage currency risk Question: Should you hedge? Answer: No. (Hedging is a form of insurance => Therefore, you lose in the long run.) In the long run, currency exchange rates are fairly stable. If you're a long term investor, then currency risk should be fairly minimal. As long as you avoid leverage and only ever buy companies with cash, you shouldn't be forced into a situation where currency risk threatens your well being.  With that said, it can be helpful to be aware of potential major macro changes that could affect your investments in foreign currencies. Stuff like Brexit which is a known item that caused a decline in the British Pound during uncertainty could have been expected to rise (as it has) once the uncertainty was reduced.  Simply avoid countries where negative surprises are likely. (Dictatorships, Corruption, Massive Debt problems, etc...) [Hint: You should be doing this anyway] Summary: Your goal as an investor it to earn an acceptable return on your investment capital over your investing lifetime. One potential risk of earning an acceptable return is for your investment returns to be eroded by changes in the value of foreign currency. You can limit this risk by avoiding countries with large problems that may impact the currency. Hedging this risk is a mistake because it guarantees a loss if you always hedge currency risk over your investment lifetime.

Join an in-depth property discussion with your host Mark Homer and founder of property management software Go Tenant!, multiple business owner and self-made millionaire, Rick Gannon. Hear expert property advice for both beginners and pros and get insights on the best property strategies, the future of the UK property market post-BREXIT and discover what you can do to become a successful property investor as Mark and Rick answer questions from the community. KEY TAKEAWAYS Question: Are we going into a recession? Answer: If we leave the EU on the 31st October we will see a correction in the UK property market, this can vary from 10-30%. The bank of England believes we will see a 30% reduction in prices in the first 12 months with another correction at the end of 2020. However other articles predict 15-20% reductions. Nevertheless, it depends where you’re located in the UK, in the North property prices are still achieving 100% of asking, however, year on year properties in London are seeing a decrease in prices of about 0.8%. Question: What can you do if your strategy isn’t working and you’re not securing any deals? Answer: You’re probably not doing enough viewings and not offering on every property. You need to offer on 10 properties a week and fill your pipeline up. It’s a numbers game and simply by the numbers, you will get some deals. Learn from the objections you’re getting and work on your pitch. Question: Should you manage your property portfolio yourself or outsource it to an agent? Answer: It depends on your lifestyle and how much time you’ve got. It’s a good use of time to outsource your properties however, it does depend on the property strategy. With HMO’s it can be more difficult and it may be better to manage it yourself. Rick has a useful app called Go Tenant! To help with these challenges. Question: How can I minimise risk when investing in the current market? Answer: There are lots of types of risk such as yield, capital, tenant risk, financial risk, and contractor risk, ultimately it’s important to fill up your pipeline and manage your financial risk with fixed rates and to ensure you’re not exposed. You can also reduce your risk a lot by referencing tenants effectively. We do all of the due-diligence of tenants before the viewing using Go Tenant! Remember an empty room is better than a problem tenant. Question:Do you have any tips on negotiating a property price? Answer: Try and give them what they want. Try to give them everything they want other than the price, be flexible with completion dates, accessibility and build a relationship with the seller directly. Make yourself better than everyone else bidding on a property. Question: Are property investments in the North overtaking London? Answer: It depends on what context, the yield is guaranteed to be higher in the north although the capital gains and property value are less certain. It’s very hard to predict, however historically London has always been ahead in terms of capital gains. There is a lot of uncertainty right now and the sterling is very, very low but once the uncertainty lifts after BREXIT all the money waiting on the sidelines will just pour into London both locally and internationally once we’re in a more stable market and the pound recovers. Advice From Mark Clause 24 and difficulties with clause 21 are making property investment more challenging. The Holiday let market along with serviced accommodation units sidestep a lot of recent rules and regulations affecting more established property investment strategies. Although It’s always a good idea to diversify your portfolio to adapt to changes to the current economic climate.   BEST MOMENTS “The last cycle started in Mayfair in 2010 and then price rises spread throughout the country as people moved” “It’s always a good time to buy at certain price levels, it depends on potential capital gains and potential yield” “The next month might actually propose an opportunity to buy at lower prices” “The bank of England has made an assumption on XY&Z and either way it’s only one outcome” “There’s always going to be something that stops people from investing, there’s never going to be a right time.” “You’ve got to adapt to survive” “Don’t focus on the things that you can’t control” “We’ve moved the majority out into limited companies” “The direction of property moving forward politically. Is it better to progress with a commercial strategy that drives cashflow?”   VALUABLE RESOURCES https://gotenant.co.uk https://www.rickgannon.com ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.  CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive ABOUT THE GUEST Rick Gannon is a serial entrepreneur, multi-business owner and self-made millionaire. Rick's main focus is helping others achieve their financial goals through investing in high cash flowing property. Rick is the Founder of "Go Tenant!" Property management software and tenant recruitment software. Rick is the best selling Author of Number 1 best seller property book "House Arrest" and columnist for 2 national UK property magazines. Rick has featured on Sky Television and is seen as the industry expert for multi-let / HMO property in the UK.     See omnystudio.com/listener for privacy information.

Join an in-depth property discussion with your host Mark Homer and founder of property management software Go Tenant!, multiple business owner and self-made millionaire, Rick Gannon. Hear expert property advice for both beginners and pros and get insights on the best property strategies, the future of the UK property market post-BREXIT and discover what you can do to become a successful property investor as Mark and Rick answer questions from the community. KEY TAKEAWAYS Question: Are we going into a recession? Answer: If we leave the EU on the 31st October we will see a correction in the UK property market, this can vary from 10-30%. The bank of England believes we will see a 30% reduction in prices in the first 12 months with another correction at the end of 2020. However other articles predict 15-20% reductions. Nevertheless, it depends where you’re located in the UK, in the North property prices are still achieving 100% of asking, however, year on year properties in London are seeing a decrease in prices of about 0.8%. Question: What can you do if your strategy isn’t working and you’re not securing any deals? Answer: You’re probably not doing enough viewings and not offering on every property. You need to offer on 10 properties a week and fill your pipeline up. It’s a numbers game and simply by the numbers, you will get some deals. Learn from the objections you’re getting and work on your pitch. Question: Should you manage your property portfolio yourself or outsource it to an agent? Answer: It depends on your lifestyle and how much time you’ve got. It’s a good use of time to outsource your properties however, it does depend on the property strategy. With HMO’s it can be more difficult and it may be better to manage it yourself. Rick has a useful app called Go Tenant! To help with these challenges. Question: How can I minimise risk when investing in the current market? Answer: There are lots of types of risk such as yield, capital, tenant risk, financial risk, and contractor risk, ultimately it’s important to fill up your pipeline and manage your financial risk with fixed rates and to ensure you’re not exposed. You can also reduce your risk a lot by referencing tenants effectively. We do all of the due-diligence of tenants before the viewing using Go Tenant! Remember an empty room is better than a problem tenant. Question:Do you have any tips on negotiating a property price? Answer: Try and give them what they want. Try to give them everything they want other than the price, be flexible with completion dates, accessibility and build a relationship with the seller directly. Make yourself better than everyone else bidding on a property. Question: Are property investments in the North overtaking London? Answer: It depends on what context, the yield is guaranteed to be higher in the north although the capital gains and property value are less certain. It’s very hard to predict, however historically London has always been ahead in terms of capital gains. There is a lot of uncertainty right now and the sterling is very, very low but once the uncertainty lifts after BREXIT all the money waiting on the sidelines will just pour into London both locally and internationally once we’re in a more stable market and the pound recovers. Advice From Mark Clause 24 and difficulties with clause 21 are making property investment more challenging. The Holiday let market along with serviced accommodation units sidestep a lot of recent rules and regulations affecting more established property investment strategies. Although It’s always a good idea to diversify your portfolio to adapt to changes to the current economic climate.   BEST MOMENTS “The last cycle started in Mayfair in 2010 and then price rises spread throughout the country as people moved” “It’s always a good time to buy at certain price levels, it depends on potential capital gains and potential yield” “The next month might actually propose an opportunity to buy at lower prices” “The bank of England has made an assumption on XY&Z and either way it’s only one outcome” “There’s always going to be something that stops people from investing, there’s never going to be a right time.” “You’ve got to adapt to survive” “Don’t focus on the things that you can’t control” “We’ve moved the majority out into limited companies” “The direction of property moving forward politically. Is it better to progress with a commercial strategy that drives cashflow?”   VALUABLE RESOURCES https://gotenant.co.uk https://www.rickgannon.com ABOUT THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK’s best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he’d tried in the last ten years, combined.  CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive ABOUT THE GUEST Rick Gannon is a serial entrepreneur, multi-business owner and self-made millionaire. Rick's main focus is helping others achieve their financial goals through investing in high cash flowing property. Rick is the Founder of "Go Tenant!" Property management software and tenant recruitment software. Rick is the best selling Author of Number 1 best seller property book "House Arrest" and columnist for 2 national UK property magazines. Rick has featured on Sky Television and is seen as the industry expert for multi-let / HMO property in the UK.    

Question: Should you fuel with Caffeine before your workout? Answer: YAS! While I didn't make a suggestion for anything on the episode I would suggest listening to the new Logic album, Confessions of a Dangerous Mind. More specifically listen to Keanu Reeves and Limitless when you start your workout. Regardless if you like Hip Hop or not, Logic works through a lot of genres and takes you on incredible journey with very thematic and dramatic story telling. I slept on him for years and now Im hooked! Stay Savage!

Topics: Black Women vis-a-vis White Women in the feminist community, Funk Music, Claudine (film), Good Times (TV show). (Bonus Artist: hidingtobefound)   1974   ...fyi "Claudine" is free on Youtube: https://youtu.be/tJUiV9Pnwps   General News   Richard Nixon STILL President. but not for long.   Vietnam War: Wrapping up active combat.   Feb - Newspaper heiress Patricia Hearst kidnapped. 2 months later she participates in a bank robbery.   Apr - Hank Aaron of the Atlanta Braves breaks Babe Ruth's home run record   Jul - Watergate scandal: The House Judiciary Committee adopts 3 articles of impeachment, charging President Nixon with obstruction of justice, failure to uphold laws, and refusal to produce subpoenaed material.   Aug - Richard Nixon resigns as President of the United States. President Gerald Ford is sworn in. Ford later pardons Nixon for any crimes Nixon may have committed while in office.   Sep - Stuntman Evel Knievel fails in his attempt to rocket across the Snake River Canyon in Idaho.   Oct -The Rumble in the Jungle. Muhammad Ali knocks out George Foreman to regain the Heavyweight title, which had been stripped from him 7 years earlier.   1974 minimum wage = $2hr/$80wk/$4kyrly - 2018 = $10.50/$420/$21k   Avg. House Price = $9,942    Avg. Annual Income = $13,9k   Avg. Monthly Rent = $185   Gallon of Gas = 42c    Dozen Eggs = 45c   9% unemployment vs Black unemployment 15%   Open Comments:   Top Pop Singles:   "The Way We Were", Barbra Streisand   "Seasons in the Sun", Terry Jacks   "Love's Theme", Love Unlimited Orchestra   Grammy Awards for 1974   ROY: Olivia Newton-John, "I Honestly Love You"   AOY: Stevie Wonder, Fulfillingness' First Finale   SOY: "The Way We Were", Barbra Streisand   New Artist: Marvin Hamlisch   Top Grossing Movies   Blazing Saddles   The Towering Inferno   The Trial of Billy Jack   Top TV Shows   All in the Family   Sanford and Son   Chico and the Man   Debut Shows   Feb - Good Times (a spinoff of Maude) (1974–79)   Sep - That's My Mama (1974–1975)   Open Comments:   Black Snapshots   Gail Cobb (@24yrs), Black Washington D.C. police officer: The first U.S. woman police officer killed in the line of duty.   Maya Angelou: Gather Together in My Name, the second of seven autobiographies.   James Baldwin: If Beale Street Could Talk, a love story set in Harlem in the early 1970's.   Reader's Digest publishes the first excerpts from Roots in May and June. They said it was an epic work, "destined to become a classic of American literature."   Univ. of Penn publishes a study concluding IQ tests are biased towards whites   Cicely Tyson 2 Emmys for The Autobiography of Miss Jane.   Richard Pryor Emmy for Lily Tomlins TV special   Open Comments:   Social Scene: Sisters Gonna Work It Out   Social Scene: Women's issues   Sept: President Gerald Ford meets with women's groups and it was the first time a president of NOW had been invited to the White House.   Apr - The first industry-wide race and sex discrimination settlement, steel companies settled with the Labor Department for approximately $56 million.   May - AT&T signed a $30 million consent decree with the EEOC for back pay to victims of sex discrimination. Companies agreed to equalize starting salaries for men and women and guarantee that both sexes would receive equal pay in promotions. It provided May - Bank of America agrees to pay $10 million in compensatory salary increases to its women employees.   Jul - Eleven women were ordained as the first female priests of the Episcopal Church.   Mar - Helen Thomas named White House reporter for UPI. It was the first time a woman had held such a position.   Apr. - Julia Phillips wins Oscar for "The Sting.", the first by a woman movie producer.   Aug - The Fair Housing Act of 1968 extended to prohibit discrimination based on sex.   Oct - The Equal Credit Opportunity Act prohibits discrimination in consumer credit practices based on sex. (Lindy Boggs added the provision without informing fellow committee members)   The Big Backlash Begins   Jan - The "March for Life", an annual rally protesting both the practice and legality of abortion was organized for the first time.    Open Comments:   Four Sisters put there foot down and make the world turn   Washington: Before Barack there was Barbara   Barbara Charline Jordan (@ 38yrs), lawyer, educator, politician, and Civil Rights leader.   Born and raised in Houston   Democrat and the first African American elected to the Texas Senate.   After Reconstruction, the first Southern African-American woman elected to the HOR   Best known for her eloquent opening statement at the House Judiciary Committee hearings during the impeachment process against Richard Nixon   Also, the first African-American and the first woman to deliver a keynote address at a Democratic National Convention in 1976.   Her sexual orientation has never been determined, but some sources list her as a lesbian.   Bill Clinton said that he wanted to nominate Jordan for the SCOTUS, but by the time he could, she had health problems.   Died at the age of 59 due to complications from pneumonia in 1996.   [Audio Clip]   The sophisticated Songstress   Roberta Cleopatra Flack (@37 yrs.), Singer-songwriter, musician.   Known for her #1 singles "The First Time Ever I Saw Your Face", "Killing Me Softly with His Song" and "Feel Like Makin' Love", and for "Where Is the Love" and "The Closer I Get to You", two of her many duets with Donny Hathaway.   She was the first, and remains the only, solo artist to win the Grammy Award for ROY on two consecutive years   The "Black B**ch" (Her words)   Diahann Carroll (@39yrs): Actress, singer and model   Known for performances in some of the earliest major studio films to feature black casts, Carmen Jones (1954) and Porgy and Bess (1959)   Julia (1968) broke ground for being one of the first shows on TV to star a black woman in a non-stereotypical role.   Also played Dominique Deveraux in the TV show Dynasty.   [Audio Clip]   The Anti-Mammy Machine   Esther Rolle (@54yrs): Actress.   Born and raised in Pompano Beach, Florida   Best known for her role as Florida Evans   She was the tenth of 18 children.   Iron-willed and PROUD   Her father insisted she promise to never become a servant or maid in real life.   [Audio Clip]   Open Comments:   Question: These four women broke down barriers, without the help of the National Organization of Women. Are white women reliable allies for black women?   Conclusion: The more things change the more they seem to stay the same.   Music Scene:   Top "Black" pop singles   3 - "Love's Theme", Love Unlimited Orchestra   5 - "Dancing Machine", The Jackson 5   7 - "TSOP (The Sound of Philadelphia)", MFSB   11 - "Until You Come Back to Me (That's What I'm Gonna Do)", Aretha Franklin   12 - "Jungle Boogie", Kool & the Gang   14 - "You Make Me Feel Brand New", The Stylistics   15 - "Show and Tell", Al Wilson   19 - "Sideshow", Blue Magic   30 - "Boogie Down", Eddie Kendricks   34 - "Best Thing That Ever Happened to Me", Gladys Knight & the Pips   35 - "Feel Like Makin' Love", Roberta Flack   36 - "Just Don't Want to Be Lonely", The Main Ingredient   37 - "Nothing from Nothing", Billy Preston   38 - "Rock Your Baby", George McCrae   Vote:   Top Albums   Jan Imagination, Gladys Knight & the Pips   Feb Stone Gon', Barry White   Feb Ship Ahoy, The O'Jays   Feb Livin' for You, Al Green   Mar Love Is the Message, MFSB   Apr Boogie Down, Eddie Kendricks   May The Payback, James Brown   May Let Me in Your Life, Aretha Franklin   May Open Our Eyes, Earth, Wind & Fire   Jun Mighty Love, The Spinners   Jun War Live, War   Jul Body Heat, Quincy Jones   Jul Claudine, Soundtrack / Gladys Knight & the Pips   Aug Skin Tight, The Ohio Players   Aug Marvin Gaye, Live!, Marvin Gaye   Sep That Nigger's Crazy, Richard Pryor   Oct Fulfillingness' First Finale, Stevie Wonder   Nov Live It Up, The Isley Brothers   Nov Can't Get Enough, Barry White   Dec I Feel a Song, Gladys Knight & the Pips   Vote:   Key Artist   George Edward Clinton (@33yrs), The Prime Minister of Funk, a.k.a. Dr. Funkenstein, a.k.a, Star Child: Singer, songwriter, bandleader, and record producer.    Born in Kannapolis, NC, he grew up in Plainfield, New Jersey. Clinton became interested in doo wop during the early ’50s. Basing his group on Frankie Lymon & the Teenagers, Clinton formed The Parliaments in 1955, rehearsing in the back room of a Plainfield barbershop where he straightened hair. The Parliaments released only two singles during the next ten years, but frequent trips to Detroit during the mid-’60s – where Clinton began working as a songwriter and producer – eventually paid off their investment. The Parliaments finally had a hit with the 1967 single “(I Wanna) Testify”. But his label ran out of money and George refused to record any new material. When the label was bought out by Atlantic, Clinton decided to abandon the Parliaments name rather than record for the major label and record the same band under a new name: Funkadelic. (In 1970 he regained the rights to The Parliaments name) Inspired by Motown ‘s assembly line of sound, He gradually put together a collective of over 50 musicians and recorded during the ’70s both as Parliament and Funkadelic. While Funkadelic pursued band-format psychedelic rock, Parliament engaged in a funk free-for-all, blending influences from the godfathers (James Brown and Sly Stone) with freaky costumes and themes inspired by ’60s acid culture and science fiction. He is regarded, along with James Brown and Sly Stone, as one of the foremost innovators of funk music. He was inducted into the Rock and Roll Hall of Fame in 1997, alongside 15 other members of Parliament-Funkadelic.   Key Artist   Kool & the Gang, "Best Band Ever!?!?"   Formed in Jersey City, New Jersey in 1964 by brothers Robert "Kool" Bell and Ronald Bell. They have explored many musical styles: jazz, soul, funk, rock, and pop music. After three albums, the band had commercial success with Wild and Peaceful (1973) which contained the US top ten singles "Jungle Boogie" and "Hollywood Swinging". They reached a commercial peak between 1979 and 1986 following their partnership with Brazilian musician Eumir Deodato and the addition of singer James "J.T." Taylor to the line-up. Their most successful albums of this period include Ladies' Night (1979), Celebrate! (1980), and Emergency (1984), and the hit singles "Ladies' Night", "Celebration", "Get Down on It", "Joanna", and "Cherish". The band continues to perform to this day.   Open Comments:   Question: What makes a track funky?   Movie Scene - Royal Black Hollywood Strikes Back   Both movies were deliberate attempts to counter the Blaxploitation movement.   Claudine - "The Poverty Technician" (Plot)   The film tells the story of Claudine Price (Diahann Carroll), a single Black Harlem mother, living on welfare with six children, who finds love with a garbage collector, Rupert Marshall (James Earl Jones), whom she calls "Roop". The pair's relationship becomes complicated because of several factors. Among these are that the couple do not want to marry because they would not be able to support the children without welfare, and that the kids themselves, particularly eldest son Charles (Lawrence Hilton-Jacobs), are apprehensive of Rupert, and believe that he will leave their mother just like her previous husbands had. Claudine and Rupert meet while both are at work. Rupert asks Claudine out on a date with him and Claudine accepts. When Rupert becomes invited inside Claudine's apartment, the children are rude and vulgar towards Rupert. This is also the first time the audience meets the children and sees the inside of Claudine's slum-like apartment. Later, in the film, the audience finds out that Claudine receives financial aid from the government through the welfare program. Throughout the film, Miss Kabak, the social worker, visits Claudine at her home and asks her if she is employed and if she is dating anyone. Claudine always denies Miss Kabak the truth and lies to her about being unemployed and single. If Claudine tells the truth and says that she is employed, the amount of financial aid she receives from the welfare program would decrease or she could also no longer receive any more financial aid. If Claudine dates anyone and receives gifts from her boyfriend, the social worker must deduct any money or gifts Claudine is receiving from whomever she is dating. Just before he is to announce his engagement to Claudine to the kids, Rupert is served papers for a court order relating to underpayment of child support of his own children; his work wages are garnished to pay the difference. Rupert becomes so upset about this that he disappears for a couple of days and loses contact with everyone. He moves out of his apartment, does not show up to work, and does not show up to the Father's Day celebration the children had prepared for him. Charles eventually finds him drunk at a bar and angrily confronts him. Charles is angry at Rupert because he left his mother without any explanation. Out of the anger Charles felt for Rupert, he engages in a physical fight with him. After the incident at the bar, Rupert eventually shows up outside of Claudine's apartment and speaks to her. After some time, the couple talk things over and make up. After several hardships and debating over whether they should marry because of financial issues relating to welfare, the couple decide to marry. They hold a wedding ceremony, but it is interrupted when Charles runs inside the apartment in the middle of the ceremony while the police are chasing after him. The couple and the rest of the children run after Charles, leave the ceremony, and board the police wagon. The film ends on a cheery note with the entire family, along with Rupert, walking happily hand in hand through the neighborhood.   Question: Should welfare be (a) reformed or (b) avoided? What would a or b look like?   Conclusion: Regardless of the message, Gladys' music was on hit (3rd #1 R&B LP) and Diahann Carroll was great, she was nominated for Best Actress at the Academy Awards in 1975.   Uptown Saturday Night - "The Good Guys (Sidney & Bill) Get Over" (Plot)   While enjoying themselves at Madame Zenobia's club on Saturday Night, Steve Jackson (Poitier) and Wardell Franklin (Cosby) are held up by robbers who raid the club, taking Steve's wallet as a result. Upon realizing that a winning lottery ticket worth $50,000 is in the wallet, they set out to find the crooks themselves. Determined to retrieve the ticket, they search for it using the help of gangster Geechie Dan Beauford (Belafonte), who wants to defeat his rival Silky Slim (Lockhart). Using their wit, perseverance, and fearlessness, Steve and Wardell devise a plan to get the ticket using the help of both gangsters, in the hopes that it will pay off for them.   Question: Is this truly anti-Blaxploitation or just another version?   Television Scene - A Tale of 2 Black Families   That's My Mama, "Warm and Fuzzy" (1 season, 1974-75) (Plot)   Set in a middle-class African American neighborhood in Washington, D.C., the program revolved around the character Clifton Curtis (played by Clifton Davis), a man in his mid-20s who worked as a barber at Oscar's Barber Shop, the family barber shop he had inherited from his late father. While Clifton enjoyed being a bachelor, his loving, but tart-tongued and opinionated mother Eloise "Mama" Curtis, played by Theresa Merritt, wanted him to settle down and find a nice wife. Additional characters – such as Clifton's two best friends—Earl, played by Teddy Wilson, an easy-going mailman and Junior, played by Ted Lange, a suave and good-humored ladies' man—came and went over the course of a typical day at Oscar's Barber Shop. Other characters included Tracy, Clifton's little sister, played by Lynne Moody and later by Joan Pringle and her husband, Leonard, played by Lisle Wilson, as well as local seniors Josh and Wildcat, played by DeForest Covan and Jester Hairston. Clifton Davis and Hairston would work together again years later in the hit sitcom, Amen.   Conclusion: Never a ratings success.   Good Times, "Classic" (6 seasons, 1974-1979) (Plot)   Florida and James Evans live in a Chicago housing project and have three children: James Jr., also known as "J.J."; Thelma; and Michael, called "the militant midget" by his father due to his passionate activism. When the series begins, J.J. is seventeen years old, Thelma is sixteen, and Michael is eleven. Their exuberant neighbor, and Florida's best friend, is Willona Woods, a recent divorcée who works at a boutique. Their building superintendent is Nathan Bookman. The characters originated on the sitcom Maude. Episodes deal with the characters' attempts to overcome poverty. GT was intended to be a good show for Esther Rolle and John Amos. Both expected the show to deal with serious topics in a comedic way while providing positive characters. However, J.J. became the breakout character.  As a result, the writers focused more on J.J.'s comedic antics instead of serious issues. Through seasons two and three, Rolle and Amos grew increasingly disillusioned with the direction of the show. Rolle was vocal about it: "He's 18 and he doesn't work. He can't read or write. He doesn't think. The show didn't start out to be that...Little by little—with the help of the artist, I suppose, because they couldn't do that to me—they have made J.J. more stupid and enlarged the role. Negative images have been slipped in on us through the character of the oldest child." Jimmie Walker was the only cast member to not show at Rolle's funeral. Amos also spoke out: "The writers would prefer to put a chicken hat on J.J. and have him prance around saying "DY-NO-MITE", and that way they could waste a few minutes and not have to write meaningful dialogue." Amos was ultimately fired after just 3 seasons.   [Audio Clip]   Open Comments:   Question: Did/do you know anyone in real life like J.J.?   Conclusion: They didn't recast James Evans, they just killed him off and Esther was playing a single mom after all. She quit after season 4.   Vote, Biggest Impact for 1974:  

Friend Fix: Sharifa and Kisha catch up on October festivities including Sharifa's new kitten, Halloween costumes and follow up the change of hair dresser. Teacher Talk: Kisha feels mommy pressure to help "A" and "B" thrive in math. Question: Should you pressure your children to do better than yourself in school?Sweet Tea: Alumni 40 Under 40 announcements have surfaced.Elephant in the Room: Sharifa weights in on the Cam Newton mania and the word "FEMALES" . Kisha focuses on makin' "Money Moves".Also join us in Houston for the Teach Your Heart Out Conference Mixer!!!!!

Paul instructs Titus to remind the Christians in Crete that their conduct was to be reflective of a changed, transformed life. The culture of Crete was notoriously evil and pagan creating a dark backdrop on which the light of the gospel can be displayed. Question: Should the Christian (and the church) seek to reflect the holiness of God or should we seek to look, act and think like the world in order to win them? Evangelical churches are divided on the issue.

Today’s question is from Adam asks: Question: Should i put my photos in one big catalog or is it best to have lots of smaller catalogs? Answer: We discuss the topics – What is the Lightroom Catalog? What can the Catalog do for us? Searching and filtering your photos using exif and metadata Collections, different […] The post Should I Use One Big Catalog or Many Smaller Catalogs In Lightroom? appeared first on Biblino.

Today, we cover this question: Joshua, My husband and I love your show and would LOVE IT if you could help us answer a question from your point-of-view. Facts: We're completely debt-free except for our house. We make around $130,000 per year. We're currently investing 10% for retirement. We are dead-set on paying off the house in the next 2.5 to 3 years. The DILEMMA: Dave Ramsey suggests saving 15% for retirement for someone in our position. We can do this..but that'll slow down our house payment goal quite substantially (or, in my mind it's substantial, as I want this house paid off TOMORROW!) The goal after the house repayment is to throw everything we can spare towards investing in retirement funds. THE QUESTION: Should we stay strong on our course to pay off the house in 3 years tops only saving about 10% for retirement or do we bump up retirement savings? Ultimately how do I figure out the opportunity cost in each scenario? Thanks so much! Taliah -- Please support Radical Personal Finance on Patreon! www.radicalpersonalfinance.com/patron This is the debt-payoff calculator that I use constantly! https://www.vertex42.com/Calculators/debt-reduction-calculator.html

A 3 year old boy, crawled under the gate of Harambe the gorilla, display at the Cincinnati Zoo. The boy fell 12 feet into the Silver Back's encloser and was dragged through the water and throwed around, just the way a baby gorilla would be handled. How did the boy get out of the parents sight? Question: Should the mother of the 4 year old boy be accountable and charged with neglect?Should the Gorilla been killed?What do you think of the child's father criminal history being bought into the situation?Is this about race? And, in our next topic...What's going on with Tamar Braxton, fired from The Real? Later, as a bonus topic, if we got time...the low down on Snoop Dogg saying, he tired of seeing slave movies! Join me, My Sister Keepers Movement...feat. Aqueelah Ali from Facebook and Ms. D and other guest for infotainment on Lardy Miss Clardy and Company on BTR!  

Episode One Hundred Fifty Eight: "Oh they will know about it, Burke. From me. Just like they'll know that you were responsible for the deaths if 158 colonists here." Question: Should everyone involved in the 9/11 attacks be labeled as heroes? There were heroes to be sure, but there were victims as well. Does calling everyone a hero lessen the impact of the word? Des is lessen the acts of those that ran in the buildings when others were running out? Does it elevate the victims to a level that maybe they shouldn't be at? Frank raises the question and it's not as easy an answer as you might think. Also, we start this episode with some real movie reviews, with grades and everything! Father of the year locks his daughters in a room for 41 years. 9/11 documentary glorifies Bush, not concerned with facts. 10 myths about television that people believe. GOP: Tax cuts for the rich create jobs. GOP corporate chairman: "Baloney." Young people are not worth minimum wage, GOP says in New Hampshire. GOP oppose tax cuts for working people. Bank of America to Rick Perry: "We'll help you out." (video) Why don't we resent Steve Job's wealth? Anti-gay Indiana state rep solicited 18 year old boy on craigslist. Disney is pretty sure they don't need scripts. Texas vampire attacks random woman. Teen charged with planning to blow up Freedom High School. Ben Stein argues with Bill O'Reilly about taxing the rich. Anne Hathaway rap re-mixed with Nero and Skrillex by DJ Woody. (video) We are going to move away from news and politics for the next three weeks. If anything super infuriating happens, we'll do a bonus show. Meanwhile, starting next week, please enjoy out Star Wars Original Trilogy commentary episodes. Music this week is from: The Art of War - "AYS intro and outro themes" Guns n Roses - "You Could Be Mine" Madness - "It Must Be Love" Joy Division - "Twenty Four Hours" Don't forget our "Abstinence only doesn't work" campaign. We here at the Are You Serious Podcast suggest that if you can't resist your urges, engage orally. We are looking for campaign slogans in the vein of  "Wear a pearl necklace, not a maternity dress." Submit your slogans today! Contact us at 206-338-3094 or areyouseriouspodcast@gmail.com on the boards at palavr.com on twitter @OTCChris and @frankhauser and check out our facebook group