Podcasts about represents

This mantra is salutation to Goddess Durga in her fierce, protective, and most powerful form (Duṃ is the bīja of Mahādevī Durgā).-------Explanation of the Mantraॐ (Om)The primordial sound (Pranava). Represents the entire universe — creation, preservation, destruction. Connects the individual soul (jiva) to the Supreme Reality (Brahman). In Devi worship: Om is the sound-form of Parashakti.दुं (Duṃ) - Bīja (seed syllable) of Goddess DurgaDestroys obstacles (durgati = misery, difficulty). Activates Muladhara to Ajna chakras (especially Manipura — power center).Tantric texts say: Duṃ is the thunderbolt that shatters ignorance.Durgāyai (दुर्गायै) Dative case of Durga (दुर्गा). Means: "To Durga"Durga = She who removes difficulties (dur + ga = "going beyond hardship"Namaḥa (नमः)Means "I bow", "I surrender" - Maa Durga I am taking refuge in you. I am surrendering myself fully to the Divine Mother.=======For getting astrological reading from me you can write to me on my Email = Cosmicbond7@gmail.com

We're back with part two of Paul Rieckhoff's (@PaulRieckhoff) epic conversation with punk rock icon, activist, and truth-teller Henry Rollins in this raw, urgent, and fiercely independent discussion of the true cost of war, creative protest, and the power of showing up. From the lessons of helping injured veterans to finding hope through art and community, Henry pulls no punches as he shares his experience, challenges the powerful, and reflects on his years supporting those who serve. Rollins and Rieckhoff dissect America's current crises—from Venezuela and new wars to the attacks on creativity and the White House Rose Garden—offering insight, humor, and a roadmap for staying vigilant and human in hard times. It's an electrifying episode that embodies punk spirit, compassion, and relentless determination. Because every episode of Independent Americans with Paul Rieckhoff breaks down the most important news stories--and offers light to contrast the heat of other politics and news shows. It's independent content for independent Americans. In these trying times especially, Independent Americans is your trusted place for independent news, politics, inspiration and hope. The podcast that helps you stay ahead of the curve--and stay vigilant. -Listen to Henry's previous appearance: Episode 47 from February 20, 2020. -WATCH video of this episode on YouTube now. -Learn more about Independent Veterans of America. -Join the movement. Hook into our exclusive Patreon community of Independent Americans. Get extra content, connect with guests, meet other Independent Americans, attend events, get merch discounts, and support this show that speaks truth to power.  -Check the hashtag #LookForTheHelpers. And share yours.  -Find us on social media or www.IndependentAmericans.us. And get cool IA and Righteous hats, t-shirts and other merch.  -Check out other Righteous podcasts like The Firefighters Podcast with Rob Serra, Uncle Montel - The OG of Weed and B Dorm.  Independent Americans is powered by veteran-owned and led Righteous Media. Spotify: https://open.spotify.com/show/0F1lzdRbTB0XYen8kyEqXe Apple Podcasts: https://podcasts.apple.com/us/podcast/independent-americans-with-paul-rieckhoff/id1457899667 Amazon Podcasts: https://music.amazon.com/podcasts/49a684c3-68e1-4a85-8d93-d95027a8ec64/independent-americans-with-paul-rieckhoff Ways to watch: YouTube: https://www.youtube.com/@independentamericans Instagram: https://www.instagram.com/IndependentAmericansUS/ X/Twitter: https://x.com/indy_americans BlueSky: https://bsky.app/profile/indyamericans.bsky.social Facebook: https://www.facebook.com/IndependentAmericansUS/ Ways to listen:Social channels: Learn more about your ad choices. Visit megaphone.fm/adchoices

Register here to attend the live virtual event "How to Scale Your Portfolio, with Tenanted Cash Flowing, New Construction Properties" on Thursday, November 13th at 8pm Eastern. Keith discusses Billie Eilish's views on billionaires and contrasts her stance with Grant Cardone's, emphasizing the value billionaires bring.  Hear about the Fed's decision to end Quantitative Tightening (QT), predicting lower interest rates.  GRE Investment Coach, Naresh Vissa, joins the conversation to highlight the benefits of new build properties, such as lower maintenance and higher tenant quality, and mentions a 10% cashback incentive from builders.  Resources: Register for the event at GREwebinars.com Episode Page: GetRichEducation.com/579 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:00   Keith, welcome to GRE. I'm your host. Keith Weinhold, should billionaires even exist? Why do so many people think that interest rates of all types are headed even lower than as a real estate investor, how to identify and capitalize on an opportunity in this era? It's something that I've never seen before. Today on get rich education   Speaker 1  0:27   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:13   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:29   Welcome to GRE from flatiron, Manhattan to Flatbush, Brooklyn, across New York City and 188 world nations. This is Get Rich Education. I'm your host. Keith Weinhold, it's the longest federal government shutdown in US history. This whole thing has now lasted longer than most gym memberships. I guess the GDP stands for government doesn't produce, hmm. Before we get into our core investing and real estate content today, Billie Eilish, the singer, recently made some public remarks on whether or not billionaires should even exist. Yeah. Now if you're not familiar with her, Billie Eilish is known for her kind of unique style, sort of these baggy clothes, neon hair, avant garde fashion, and she has a reputation for being outspoken about a lot of things like mental health and body image and environmental issues. Now, in general, I respect people for speaking their mind, whether I agree or not, because a lot of people are just afraid to do that. Let's listen in to this short clip on what she said. You might have heard this because it was pretty widely broadcasted. Eilish spoke after receiving recognition at the Wall Street Journal innovator awards. This is courtesy of the AP. And then I'll come back to comment.   Speaker 2  2:58   We're in a time right now where the world is really, bad and really dark, and people need empathy and help more than kind of ever, especially in our country. And I'd say if you have money, it would be great to use it for good things and maybe give it to some people that need it and love you all, but there's a few people in here that have a lot more money than me, and if you're a billionaire, why are you a billionaire? No hate, but yeah, give your money away. Shorties. Love you guys. Thank you so much.   Speaker 3  3:40   First of all, without explicitly saying it, she's basically referencing how inflation widened the canyon between the haves and the have nots and GRE listeners that have acted have been on the right side of that canyon. I actually want to give Billie Eilish some credit here. Giving is virtuous. That is a good thing. In fact, next month, I plan to discuss the pros and cons of giving here on the show as we approach Christmas. Billie Eilish, she's certainly not a hypocrite either, because she's given away more than $10 million of her estimated $50 million dollar net worth. She's into feeding people and climate initiatives that right there is giving away more than 20% of your net worth, and that is really kind. Now, you heard her say there's a few people in here that have a lot more money than me, and she's right. Mark Zuckerberg was in that room. His net worth of over 200 billion means that his net worth is more than 4000 times greater than Billy eilish's. It sounds loosely like she's. shaming him for not giving away more of his wealth. And I don't know just offhand how much Zuck gives away, but this is where my credit to Billy Eilish stops. I think that it's okay for a person to be a billionaire. I wouldn't question that. I mean, a lot of times it meant that that person was willing to take risks that others would not dare try. A billionaire probably means you're a person of great value, and that you've hired hundreds or 1000s of other people, creating jobs for them. A billionaire has almost certainly created a product that society values. Jeff Bezos pioneered one day delivery. Zuckerberg connects people through his meta platforms. And now I'm not going to say that either one of those billionaires are perfect people. They are flawed, just like you and I. Billionaires probably pay more tax than the average person as well. That supports the infrastructure that you and I and everybody use, like building bridges or creating a fiber optic network. I would expect that a billionaire would be a giver as well. And see, if you're a billionaire, you have more ability to give than the average person does, you can make a greater impact. And see, this is where things really break down and not make sense. So if Billie Eilish is net worth is 50 million, Oh, apparently that's just okay. That's fine with her. But once it gets to 20 times greater than that, which is 1 billion, then it's not okay. So that means the line is drawn somewhere in there. That makes zero sense to me. The ceiling on what you're supposed to have in net worth is between 50 million and 1 billion. Like, I really do not get the logic on that one. And you know, a guest that we've had on the show here, Grant Cardone, whether you like him or not, he has had some on point remarks about these Billy Eilish comments himself to the question that she posited, which is, if you're a billionaire, why are you a billionaire? Cardone's answer is, if you're a pop star, why are you a pop star? Billy said, give your money away. Cardone's response to her is, give your music away. That's some food for thought there. That's my take on the Billy Eilish remarks on whether or not billionaires should exist. And if you want to hear Grant Cardone and I's conversation here on GRE, that was episode 264 the title of it is Keith Weinhold and Grant Cardone 10x your wealth number 264, a lot of listeners like that episode saying something like it was a dream to hear grant and I together for the first time. Like that, their favorite sales trainer on their favorite real estate show. You can listen by either scrolling way back to get rich education episode 264 in your podcatcher, or you can listen directly by going to get rich education.com/ 264,    Keith Weinhold  8:11   now the Fed has said that they are going to slow or end Qt, next month. All right, when Jerome Powell says something like this, what does that really mean to you as an investor? What can you expect ending QT? Well, you probably already know that QE quantitative easing that has the effect of creating dollars. Qt is the opposite. It has the effect of destroying dollars. So if they're ending Qt, this helps keep more dollars around in the future. So ending Qt then, like we expect soon, that really parallels a lower interest rate environment, because see lower rates already make dollars flow more freely. You probably remember the analogy that I introduced to you on the show earlier this year about how lower rates are like lowering the height of a dam wall. It makes it easier for water to flow, so then lowering rates makes it easier for money to flow, and that's because low savings account rates make people get money out of those vehicles. Okay, that's that low dam wall and low borrowing rates make that money flow as well. People will unlock dollars if rates are low, late last year, the Fed dropped rates a full 1% then they didn't make any moves for a while, until late this year, they've now dropped rates another half a percent. That's the environment that we're in. So then more QE and less QT. That further eases the flow of dollars, and it correlates with even lower rates that are coming in the future. Now it doesn't mean that they will. I'm not saying that they certainly will. There is just that tendency, that correlation. So we had pandemic era QE there about five years ago, that ended as we moved to Qt in 2022 and now what we're doing is unwinding Qt, moving back toward more flow, and it surely gets more technical than that. Ending Qt allows the Fed to expand its balance sheet again. Treasuries and mortgage backed securities, once matured, can now be replaced, and that injects liquidity into the system once again, and that is where we're going. Bank reserves are reaching ample levels again, and there is no need to put liquidity stress on money markets. A lot of these moves are here. What they're here for is to help ease the concerning labor market. It's been almost exactly three years now since chatgpt launched, and a while back, I mentioned how companies were newly interested in hiring the shiny new job that didn't exist before the AI prompt engineer that was one of the hottest jobs. Well, yeah, that was true back in 2023 but not so much. Now. A lot of companies have figured out that the employees that wanted to keep their job, well, they figured out real quick how to be the Ask AI, good questions guy, and we are seeing more layoffs later today, my guest and I will talk about that, and also he's going to make somewhat of a future mortgage rate forecast, or at least talk about the direction that they're going in. I think you're really going to like that. I don't predict rates myself, but sometimes a guest will. That's what's happening today. My point here is that with Qt ending, which again lowers the damn wall height and eases the flow of money, that parallels the fact that we have lower interest rates now than what we had one year ago, and we have lower interest rates now than what we had two years ago. As well, be mindful that you cannot get it all as a real estate investor. You cannot get soaring employment and low interest rates together. You cannot get those two things together, at least not for long. High employment means high rates. Low employment means low rates. Today's guest, and I will get into that as well.    Keith Weinhold  12:43   Well as we've had lower rates, hence a lower wall height, don't buy property and expect that you'll be able to refi into a lower rate within a year. If it happens, great. Don't buy expecting rents to go up or rates to go down, although many think that will happen. Just enjoy it. If it does, rent vesting has been on the rise lately. Yes, rent vesting. What that means is when you pay rent in the property where you live, and then the only properties that you own are rental properties. Rent vesting makes sense if you live in California, New York City and Boston, since rent to price ratios are so low there, and then you invest your dollars inland, that's how you can live in a high cost place and yet still benefit from cheap rental property and have income streams from them. You might remember that some months ago, I interviewed two listener guests on the show, everyday listeners, just like you, and California based investor and GRE listener, Joshua Fang, told us about his rent vesting. He pays rent in his primary residence, since the rent to price ratio might be three tenths of 1% there and then he owns property in GRE marketplace markets, I think it was Memphis and elsewhere where you're benefiting from, say, eight tenths of 1% that is called rent, vesting, investing in properties that make sense that you buy through GRE marketplace. And remember when Josh told us that passive income gives him time to enjoy life and even stop and watch two lizards for 15 minutes? Oh, what passive income can do. It's the quirky things that you remember. See. The point is that smart people in high cost states are rent vesting, if that's what you've got to do in order to own real assets. Then do it get on the right side, as this difference between the haves and the have nots just keeps expanding. I just did something that you might find interesting over the weekend for the first time in years. I visited that first fourplex building that I ever owned, which is also the first piece of real estate that I ever owned, that blue colored fourplex, and it is still blue. The address of that property is 925 east, 45th court, and it's in Midtown Anchorage. It has never been a pretty neighborhood, and I confirmed that it still is not. It looks a touch worse than when I owned it. I straightened up the curb appeal more than today's owner does. I bought the four Plex over 20 years ago for $295,000 and at that time, on the day that I bought. The total rents were $2,900 because it was 725 per door. I just looked on Zillow. And do you want to guess at its zestimated value today? Yes, it cost 295k back in 2002 and today, the Zestimate is 625k I don't know what today's rents are. My guess is that they're just short of $6,000 for all four units combined, two bed, one bath, 960 square foot units, really plain vanilla, boring looking housing, but it's certainly not like a crime ridden slum. It's just that depressing looking block that's just chock full of disorder and these other four Plex buildings and dumpsters all over the place. But yeah, that's how it all began for me. I visited that building again, and I haven't owned it in a while. I 1031 exchange out of it and into an eight Plex in 2013 if it weren't for that building, you would not be listening to me right now, and you would not have heard of me, because this show wouldn't exist big thanks to the three and a half percent down FHA loan for someone that came from humble means, like me.    Keith Weinhold  17:03   Last month, I did a running race that goes up a ski jump that was pretty cool. It gets so steep that you have to grab onto a cargo net to pull yourself up. It's almost like a rope ladder. I did not win. I got fifth out of 21 competitors in that race. Hey, I like to get out and physically challenge myself. After talking real estate all day, my body weight is up a little. It's currently sitting at 178 pounds. That's 81 kilograms for our European listeners, and it hit its recent bottom of 172 back on the Fourth of July. That's by design. I need to be really leaned out for a big Independence Day race every summer. You know, I'm one of those guys where I still cannot compete with bodybuilders because I'm too lean, and yet I don't win running races because I'm too bulky, so I'm more of an all around guy. I do about seven different sports, and that's exactly how I win nothing and always get like, fifth place or worse. This major mammal has got to keep himself moving, In any case.   Keith Weinhold  18:17   next week here on the show, we'll talk to a Harvard grad. She's super interesting. She used to work at Apple, and then she founded an AI centric property management company so that you can use her platform to self manage and leverage AI. But are we at the point where your tenant would really talk to a chatbot? Would that fly? And if society is there, well then do property management fees and everything start trending towards zero. I'm going to ask her about that. That's next week. As for today, you know, the world series ended about a week ago, and what I did is that I watched 10 commercials during the World Series, and then I jotted down the name of each sponsor, and here's who the World Series advertisers were just in this one segment where I paid attention to them. They're all big brands that you've heard of atnt Liberty, mutual nature made brand items like vitamins and supplements, Starbucks, Coors, light, Qdoba, Capital One, Home Depot, crest, white strips and Jim Beam, all right, those were the 10. What do those 10 have in common? More or less, any ideas there those 10 products and companies are all for consumer products. That's the common link. And that might seem so obvious that you wouldn't even think of it. Well, this is because most ads are for consumer products. Those ads fuel consumerism. And there's nothing wrong with that at all. That. Represents an economy. In fact, I use some of those very companies in my personal life.    Keith Weinhold  20:04   But here's the difference here at GRE our sponsors help you produce, not consume. Think about that as you listen to me in this spot for freedom, family investments and then Ridge lending group, then I'm coming back for more with a terrific guest.    Keith Weinhold  20:23   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why? Fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989, yep, text their freedom coach, directly. Again, 1-937-795-8989,   Keith Weinhold  21:34   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   John Lee Dumas  22:08   this is Entrepreneur on fires, John Lee, Dumas, don't follow Money. Make money. Follow you with get rich. Education.   Keith Weinhold  22:22   So we have a familiar voice back on the show. It's an in house discussion here with our own GRE investment coach. And like I've told you before, he's got both the formal education with his MBA and the self education, because he's an active real estate investor for four years now, he has helped you completely free, usually over the phone, sometimes on Zoom. He learns your own personal goals and then helps you find the market that's right for you in fitting those goals. And I've had listeners like you tell me that, you know, I can't believe that getting his actionable insight is free, and now he can help you best, though, if you're ready to own more income property, he even helps connect you with the exact property address, like say, 321, raspberry Street in Huntsville, Alabama. So it's great to welcome back to the show and provide the listener with a respite from my mouth breathing rhetoric and discourse, it is GRE investment coach. Naresh Vissa,   Naresh Vissa  23:24   thanks a lot, Keith. I can't believe it's been four years. It's been four amazing years, and congratulations to you and to GRE for being around so long and together, we have grown our listenership, and we appreciate all of you listeners, listening out there, for sure,   Keith Weinhold  23:42   real estate activity has slowed down overall, but things are still really vibrant. Here at GRE we see more activity than we saw last year, and when we talk about increasing activity, Naresh, the Fed, looks to do that when they reduce interest rates, that incentivizes businesses to borrow, that incentivizes consumers to spend, because, for example, they're not getting as high of a yield and their savings account. So now we're here in this fed cutting cycle. Tell us what that means from your perspective.   Naresh Vissa  24:15   We talked about this a few months ago when I was on the podcast at the Federal Reserve. I predicted that the Federal Reserve would begin a rate cutting cycle, and that this cycle would be extensive. It would not be an overnight, 100 basis point cut, or anything like that we saw in March. So that rate cutting cycle has begun, and they continue to cut. And we did an entire episode on President Trump and the name calling with Federal Reserve Chair Jerome Powell, whose term ends in the middle of next year. It's May of next year, when he's leaving. And with all that pressure, I predicted that the Fed would begin its rate cutting cycle. We are in the. Cutting cycle right now. They did a few cuts last year and stopped, which I thought were mistakes. But with that being said, we are in the thick of this cutting cycle. We are going to see more cuts moving forward. And what that means you're already seeing it. As a real estate investor, you are seeing, I don't want to say low interest rates, but lower interest rates compared to where we were a year ago, compared to where we were certainly 234, years Well, maybe not four years ago, but three years ago, we are seeing far lower interest rates, and we will continue to see interest rates, in the sense of mortgage rates, plummet as a result of this. So enjoy the low rates while they last, because they're not going to last forever. Nothing lasts forever, but the Federal Reserve, you throw in the government shutdown, I think it makes sense that the Federal Reserve continues to cut, because there's no telling where inflation is going to go. The experts thought that inflation would go up, up, up, up and be a significant problem. They've been saying that since the election winner last year or the election night last year, we haven't necessarily seen that. We have seen inflation somewhat go up, but we haven't seen that runaway inflation that many of the experts predicted as a result of the tariffs, as a result of the rate cutting, I think it definitely helps that number one, Doge, cut several government programs and cut a lot of government spending, not as much as they thought they would, but they cut enough to where they're limiting the amount of federal government spending. We've also seen mass layoffs, mass layoffs in the public sector, which has seeped into the private sector as well, because many of these private companies, like an Accenture, for example, many of these tech companies that were getting subsidies from the government, that funding has stopped, and that has led to layoffs. Now, what layoffs do is layoffs create, I don't want to say deflation, but layoffs are disinflationary, right? And we've seen significant layoffs, like I said, since February of earlier this year, when Doge was in the thick this government shutdown has led to mass layoffs as well. So we've seen 10s of 1000s of people well, we've seen hundreds of 1000s of people furloughed, if not at least a million people furloughed now, they will end up getting their pay, but we've seen 10s of 1000s of people laid off as a result of this government shutdown. And what that means is, again, this is very disinflationary. That's less money that the government is spending moving forward, not just right now, but moving forward. So there's a savings there that's also more people who are probably going to hold on to their cash as tightly as possible as they find new work. So this is, once again, disinflationary. And what does all this mean? All of this, to me, seems disinflationary. It goes against the narrative that when you cut interest rates, inflation goes up. It goes against a narrative that when you implement tariffs, inflation goes up, and that's why we haven't seen the runaway inflation that many so called experts were predicting. I think moving forward, the Fed continues to cut because of the weakness, at least when it comes to the job situation, because of the weakness with jobs, and because of unemployment, it's gone up somewhat. I think the Fed ends up continuing their rate cutting cycle through the end of Powell's term, and it could be just a series of 25 basis points every time they meet. Maybe if things get if there's something that they don't like, they up it to 50 basis points at one of the meetings. But the bottom line is, I think they're just going to keep cutting until Powell is gone, and then Trump will put in his guy into the Fed chair. And by that point, we may have cut enough to where there's not much left to cut yet, and that's when we're going to see there's a chance that could happen, or there's a chance the next guy will pick up where Powell left off and and do series of cuts as well. But what that means is that mortgage rates, we can expect, that's one of the most common questions I get from GRE followers, yeah, it's where do you see mortgage rates going? Because these people, they're not a lot of our followers, they're not following the intricacies of the market. Most of our followers have full time jobs as doctors or dentists or engineers or IT workers, and they're not following the ins and outs. And so the most common question that I get is, where are interest rates going? And I've been pretty spot on for the past few years, minus a few mistakes that I thought the Fed made. But I'm very confident when I say, just like I said when I came on earlier this year, that interest rates are on their way down there, and they are not on their way up.   Keith Weinhold  29:51   Just wait until this administration gets their guy in as the Fed chair. It almost feels like we're going to see a Javier Malay Argentina. President, you know, coming in with the chainsaw, they want to cut rates so aggressively, this administration, and Jerome Powell has sort of been a buffer against that, and Naresh has been using the term disinflation. I don't want you, the listener, to confuse that with deflation. Deflation means an increase in the purchasing power of your dollar, something that we rarely see. Disinflation means a slowing in price increases, meaning the rate of inflation goes down. And yes, I think it's been pretty obvious, and I've stated on the show before as well, that the Fed cares more about the employment situation than they do the inflation situation, probably, and you as an investor, you need to be careful what you wish for, because low rates sound really good, and they can be, but high employment typically correlates with high interest rates of all types, and lower employment typically correlates with low rates of all types. Rates get lowered because they know that the economy needs the help so you can't get both. You can't get both high employment and low rates. That condition doesn't persist for very long. And the Naresh during this part of the cycle, it's really been unusual and interesting at how new build properties have such advantages for investors today, including the aberration that the median new build property costs $33,500 less than the median existing property. That data is per the NAR when we think about new build property. Well, wait, first of all, that sounds amazing, and some people are incredulous about that, but there are reasons that the average new build property costs less. A lot of times the size is smaller. A lot of builders are building further from city centers. So I think before an investor gets in and buys a new build property, one really important question for them to ask is, oh, okay, well, how far is that property from an employment center. But otherwise, it's really the right time in the cycle for new build. New build can make your investment more passive. You know, you've got new fixtures, of course, and a warranty, and you're going to have lower insurance costs as well, typically, on a new build property. And Naresh, as you're talking with our followers and investors about new build property. I'm just kind of wondering, do you get more people that want to self manage the property because it's new build, because they figured that their maintenance and repair requests are going to be fewer? Or what do you see in there?   Naresh Vissa  32:35   No, not at all. Because the strength of GRE is that we connect investors, we coach investors so that they can own real estate around the country. They're not owning real estate in their neighborhood or in the area that they live in. We only focus on markets that make sense, generally linear markets, state friendly landlord friendly states, those other markets we are focusing on. So even with new builds we are seeing, I would say 100% of investors saying, hey, I want professional property manager, managing the property that's extremely, extremely common, that is the norm. I will also say, with new builds you brought up earlier, when you introduced me, I own several properties. The last two properties I bought were new construction. Were new builds. Yeah. And I personally comparing the first six properties of rehabs to my last two, which were new builds, I've had far fewer issues with the new builds, not just far fewer issues. I would say overall, the profitability has been greater with the new builds, despite the pro forma initially showing that I would barely Break Even now, I did buy several several years ago before all this appreciation and inflation hit. But it certainly helped a lot to have new builds where the maintenance is far lower and where the quality of the tenant is extremely high. So I generally recommend our investors, if you have the capital available, and generally, just to keep things simple, I say if you have $100,000 in liquid cash ready to go, there's no reason why you shouldn't be buying a new build. Would I waste my time with the rehabs, with the burrs. I mean, those could be profitable too. You should never say no to anything but the new builds. I've slept better at night because of those reasons, because I know at least for the first 10 years that there aren't going to be any major problems and the quality of the tenant is going to be far higher. So I'm a huge fan of new builds, not pre construction. Pre construction means you're buying a plot of land, and then you hope that the builder is going to build a home on top of it. And most of the time, the builder does, but many times, as we saw during the pandemic, there were key. Countless stories around the country of developers selling pre construction and then nothing ever got built. They ended up flipping the land and generating a profit off of it. I don't recommend those at all, but new construction is the way to go. And I'll also add one more tidbit about the previous topic that we talked about, regarding interest rates also remember that lower interest rates mean that the government and their debt they're going to be paying, they can refinance their debt and pay lower interest on their debt when interest rates go down. So that's also going to help reduce the the deficit, and it's going to help reduce the debt as well. So that will help bring inflation down.   Keith Weinhold  35:42   We're talking about buying a property that's already built with new construction, and in a lot of cases, like we'll talk about shortly, it's already tenanted for you as well. So it really reduces the guesswork and the waiting. And of course, new build properties tend to appreciate better than existing properties. So, yeah, tell us more about new build properties, because they tend to be in Florida and Texas that really has an outsized number of them right now. And that's where the builders are really giving incentives when we talk about appreciation, and where we think about appreciation going in the future. You know, appreciation has been really tepid, really boring. Prices have even contracted a little in some Florida and Texas sub markets, but with the long term trend, visual capitalists just shared a terrific map from today to 2050 for example, the Texas population is expected to grow 27% one of the fastest growth states that there is going to be. And a lot of people say, Oh, isn't it going to pass California in population soon? No, not anytime soon. It'll be decades. California is expected to grow 8% over the next 25 years, but Texas is a place where the numbers still can make sense on new build, because you have some overbuilding. So some builders are really incentivized to give you a good deal.   Naresh Vissa  37:06   Well, there are several markets in general. Let's just talk about it. You use an important term, which is appreciation. With new builds, the likelihood of appreciation is greater. This is statistically backed up. You can go check your sources, but the likelihood of appreciation is far greater with new builds compared to older rehabs, a property that's 50 years old, six years old. In fact, those properties probably appreciated early on in their life cycle, and that's just generally how it works. So with new builds, I say look, cash flow is still important. Cash flow is one of the tenets of real estate paying five ways. It's one of the core tenets of get rich education. But you also have that appreciation play with new builds. Again, it's about markets, because if you're buying a new build in, let's say a California or a New York or a New Hampshire, some really anywhere in the northeast, then it is somewhat of a speculative play, depending on the price point, depending on a lot of different other factors. But when you're talking about the markets that we operate in at GRE you brought up two of them, Florida and Texas. There are other markets, like in Tennessee and Oklahoma, where we have new constructions, and they are also positive, cash flowing, high appreciation place. So you just never know what's going to happen. I bought a new construction, for example, just outside of Memphis six years ago. It was just outside of Memphis in Mississippi six years ago, and I bought it for purely cash flow purposes. The pro forma looked good. Property was brand new. It was near several areas where there were many jobs. So I said, Hey, this is a good cash flow play. And I even remember asking my sales agent, hey, what do you think about appreciation? I usually never buy for appreciation, but this is a new construction. What do you think? And he said, You know what? I don't know if this is really going to appreciate that much. I'm not really sure about that. So I said, that's fine. I like the cash flow. Well, fast forward, six years later, as I said, we you just never know what's going to happen. We saw this inflation. We also saw an influx of people migrating into Tennessee, migrating into Mississippi, especially that Mississippi Tennessee border migrating into the Memphis area. Now we have the Trump administration, sent in the National Guard  about about a month ago, sent in the National Guard into the Memphis area, and they haven't left. They're still there, and crime has is at least based on the numbers that crime has really the National Guard has made a big difference on crime, and that's usually the number one deterrent for a market like Memphis. The point that I'm making here is that you just never know what's going to happen with these new construction builds. If you can get positive cash flow, I always tell our listeners. Shouldn't buy a new construction that's negatively cash flowing. You still want to protect yourself. You don't want to be paying money out of your bank account to own a property. Money should be coming in. So you still want to be positive cash flow. And the appreciation is a huge, huge plus, even in areas that you would not think or that you would not expect to appreciate all that much.   Keith Weinhold  40:22   Appreciation just is not as much of a story over on some other platforms, perhaps, or the way that people think about it, because if you pay all cash, appreciation isn't that good for you, but you're leveraged at four to one or five to one with a 20 to 25% down payment, which can really give you those outsized rates of return, which aligns with what we talk about here at GRE Well, we have a live upcoming virtual event. It is this coming Thursday, and before I ask you if you have anything else to tell the audience here as we wrap up, Naresh, it is hosted by you. So it is co hosted by our own in house investment coach Naresh, and our guest that you heard last week here on the show radio veteran Adam. The Event Thursday is called how to scale your portfolio with tenanted cash flowing new construction properties where you can get up to $41,000 cash back after closing, we talk about these builder incentives. So today's real estate market is really giving buyers opportunities for new builds that I haven't seen, maybe ever. Builders are incentivized to move their properties, and we've made headway with builders to get you up to a 10% cash back incentive at closing when you purchase, you can either take the cash at closing or boost your cash flow by buying down your rate, perhaps get some rent credits, so learn how you can take advantage and really prime yourselves for moves today that are going to lead to your success in coming years. And we have tenanted again, tenanted already occupied new build properties in hot markets like Houston, San Antonio, Dallas, Texas, ready for you to purchase with up to that 10% builder incentive so that you can cash flow from day one. And these properties are really in high quality communities, primarily owner occupied, high appreciation, upside, solid rent growth. So learn the strategy, learn the markets and even see available new build income property. The benefit of you attending is that you can have your questions answered in real time by Naresh or Adam. You can sign up for that now at grewebinars.com It is Thursday, November 13, at 8pm Eastern. Any last thoughts as we lead into Thursday, Naresh?   Naresh Vissa  42:45   Gre, webinars.com gre, webinars.com go to that website to register for our free online special event. It will be live. I'm going to be there with Adam. You heard on last week's podcast, we've got some great deals and great incentives, like what you said, Keith, and they're all new constructions. They're all new constructions, mostly in Texas. And these are major markets in Texas too. We're not talking, yeah, many of our followers and listeners, they see a new construction, and they're like, I've never heard of this place in Alabama, or I've never heard of this place in Oklahoma. These are in legitimate suburbs, areas outside of Dallas, Houston, San Antonio, some of them are even in Dallas, Houston, San Antonio proper. So these are markets that everybody is familiar with. It's not some podunk town that you may have seen on our GREmarketplace or GRE spreadsheet in an Arkansas or in Alabama. These are mostly in Texas. The incentives are great, and these are national builders as well. These are not small, no name, Mom and Pop builders. These are national builders who we are working with to offer these special incentives. These are names like you've heard. Many people have heard. Some of them are publicly traded companies like an LGI, that's a very large national builder. That's who we've partnered with to get these deals so grewebinars.com is the link to register for our online special event. GREwebinars.com. I hope to see all of you this Thursday,   Keith Weinhold  44:31   major builders, major markets and major incentives on new build property. You're going to hear more from Naresh on Thursday, it's been great having you back on the show.   Naresh Vissa  44:43   Thanks a lot. Keith   Keith Weinhold  44:50   oh yeah. Naresh does a better job of hosting GRE webinars than I do. In my opinion, you'll remember that I hosted them myself until 2020 23 but you know, maybe I'll come on to a future event for just the first five minutes on one of the upcoming ones, and give an intro before I let the real pros take over. This event is called really just what it is, how to scale your portfolio with tenanted cash flowing new construction properties. It's co hosted by Naresh and Adam, who you met last week. I have never seen this before, where the builder is giving you a fat 10% discount after closing, 10% you can use those 10s of 1000s of dollars to buy your rate down into the fours or other things like use it toward a down payment on another property, pair it with DSCR loans and pay no mortgage insurance on either property. You could buy one property or two properties or 18 properties through the event and DSCR loans. You might remember that means no time consuming income verification, no concerns about your debt to income ratio or W twos or tax returns. We'll show you how to do it all. Like Naresh was saying, we eat our own cooking. We ourselves. Here at GRE are investors too, and we are buying new build for our own personal portfolios. The time is right for this. It wasn't a few years ago, and a few years from now, it probably won't be either. Hundreds are already signed up for it. It is this Thursday, at 8pm Eastern. It's GRE, last event of the year. This is it one last time attend by signing up at grewebinars.com that's grewebinars.com Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 4  46:59   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively. You   Keith Weinhold  47:27   The preceding program was brought to you by your home for wealth building, get richeducation.com  

Doug Chiasson of the Seals and Sealing Network feels hopeful about a new study on the impacts of harp seals on fish stocks + Chris Di Liberatore of PSAC fears that proposed cuts to DFO could go too deep.

For millions of people with disabilities around the globe, the World Social Summit happening in Doha this week, represents something more powerful than promises – it represents hope.That's according to Fatma Al Jassim, who is in Doha representing the Global Disability Innovation Hub, a pioneering research centre in the UK, dedicated to driving disability innovation for a fairer world.Speaking to UN News's Abdelmonem Makki, Ms. Al Jassim explained why true inclusion is key to real change. 

Tim Worthington has a new book out called The Golden Age Of Children's TV - all about the best, worst and most just plain baffling shows you grew up with in the sixties, seventies and eighties - and the lines are open now for an hour of fun, facts, laughs and thrills. If you're a fan of The Adventure Game, Martin Ruddock will be taking your calls and offering a few hints and tips on how to beat the puzzlers and make it across the Drogna Board. They're The Monkees, but Paul Whitelaw will be in the studio for a look at what you can look forward to when Micky, Davy, Mike and Peter take over your television. Ste Brotherstone will be joining us with a few ideas of how you can stay top of the class for the new term at Grange Hill, Danny Kodicek has the long and short on Big John Little John, and Juliet Harris will be coming to us live from Teddington as she meets the stars of The Sooty Show. So if you want to join in the fun - or just swap a copy of Grange Hill Graffiti for a copy of Drogna on the BBC Micro - ring the show now!You can get The Golden Age Of Children's TV in all good bookshops, and from Waterstones here, Amazon here, from the Kindle Store here and directly from Black And White Publishing here. - and if you want to know more about what you can find in it, head for timworthington.org!

The Scarcity Value of Time: Impressionism and the Legacy of Julie Manet. Sebastian Smee discusses how Berthe Morisot's life is carried forward by her daughter, Julie Manet, who represents a "perfect representation of Berthe." Before Berthe succumbed to illness, she wrote a tender letter expressing how Julie had "never once not made me happy." Smee links the philosophy of Impressionism to Sigmund Freud's essay "On Transience," arguing that awareness of mortality should make people value the present moment more—a concept called "scarcity value in time." Impressionism is inherently an "art of transience" that captures fugitive effects. Morisot exemplified this philosophy by valuing the present moment's beauty, refusing to apply artificial meanings or permanence. Ironically, revolutionary Impressionism soon became "orthodox," though the next generation reacted against it, believing it lacked structure. Despite criticisms, Impressionism has lasted because audiences recognize the truth in valuing fugitive effects, and its greatest contribution was the liberation of color.

Marguerite Quinn from Ballybrown joins Joe to talk about taking home bronze from the European Blind Tennis Championships. Hosted on Acast. See acast.com/privacy for more information.

Your Vote Matters! If you live in Tarrant County, your vote today could determine who represents you in the Texas Senate! Early voting ends today! Main election day: November 4th, 7AM-7PM Polling hours vary by location but generally run from 7 a.m. - 7 p.m. most days, with some extended options. Find out which candidates on your ballot really stand for your biblical values in partnership with iVoterGuide by visiting IVoterGuide.Com!

The 98th National FFA Convention officially begins today in Indianapolis, Indiana. Jill Welke is there with Wisconsin's State FFA President, Amalia Draxler. Draxler previews some of the planned events and duties the state's officers will be undertaking to help the convention move along. Sunshine should dominate Wisconsin's weather today. Stu Muck says the temperatures stay consistent but the winds pick up. Wyffels Hybrids brings us a field update with Stephanie Hoff. Luke Bird is the Wyffels district manager out of Rock, Walworth, Racine, and Kenosha counties. He says that as the government continues to be shut down and we don’t get a crop progress and condition report from the U.S. Department of Agriculture, the Wyffels Harvest Progress Report is a great resource for not just harvest updates, but yield estimates. While visiting the harvest report, don't forget to plug and play with new Wyffels Hybrid selections on the Yield Calculator, also available on the Agronomy tab. Mary Schreiber from East Troy is wrapping up her year of service as the Central Region Vice President on the National FFA Officer team. She explains that she's covered about 90,000 miles in service so far. One visit that sticks with Schreiber is a chapter visit in West Virginia. She met an enthusiastic member who "bled blue and gold". What Mary later found out was that the member was living with her grandparents after one parent died of substance abuse, and the other was still battling the disease. Mary said the FFA advisors became surrogate parents to this member. She admits that the story startled her and reminded her that the FFA is more than just agriculture and leadership - it's family. Data centers are popping up in more conversations across the state. Some are small in scale - others are "hyper" in size. Ben Jarboe travelled to Janesville this week where organizers were asking for answers and transparency on a proposed data center for a former GM plant location. Cassandra Pope, organizer of No Janesville Data Centers, shares her perspective on the process and the project.See omnystudio.com/listener for privacy information.

Today, Josh warns about the very real threat America could face if Zohran Mamdani ever became mayor of New York City, exposing his radical agenda and his attempt to play the victim card over 9/11. Josh then shifts to the high seas, breaking down the U.S. military’s targeting of drug boats in the Caribbean. He wraps up with the Left’s latest meltdown—this time over President Trump adding a ballroom to the White House.See omnystudio.com/listener for privacy information.

For many, the beautiful, classical architecture of the proposed ballroom will convey a sense of elegance and majesty, uplifting the spirit. For others, it's political and problematic. We delve into the design, the architect, and what this battle is really about.

To celebrate Halloween this week, we review the soundtrack album from horror film Tales From The Hood, released in 1995. With acts like Inspectah Deck, Spice 1, Gravediggaz, MC Eiht, and others, this soundtrack is considered a cult classic and perfect for the spooky season.

Mike and Rico take your calls and read your ticket texts on their NIL conversation at hand.

6. Volodymyr Zelenskyy: The Evolution of Ukrainian National Identity Volodymyr Zelenskyy, born in 1978, represents a modern, non-ethnic definition of Ukrainian identity. Zelenskyy is a Jewish, native Russian-speaking former comedian and successful media entrepreneur who spent a substantial part of his career in Moscow. His identity showcases that being Ukrainian is now primarily a national affiliation based on commitment to the state, transcending language or ethnic background. Zelenskyy entered politics as an outsider because the old guard had failed to bring prosperity or resolve the war in Donbas and the Crimea crisis. Russian propaganda attempts to label him as a neo-Nazi, but his background contradicts this. He initially believed that his native Russian language and past work in Moscow would enable him to successfully negotiate a peace treaty or resolution with Vladimir Putin.

Scoot breaks down some of the numbers that tell the story of the 2025 Mayoral election

Digital Takaful represents a potential new boost to Malaysia's Islamic insurance sector, although not without its own challenges, Mazrul Shahir, Masryef Advisory's director of Islamic finance, tells IFN Managing Editor Vineeta Tan.

What Do You Think This Google Trend Represents Learn more about your ad choices. Visit megaphone.fm/adchoices

The US and China are the world's two most powerful countries, but they have very different visions for the global order. Compare the speeches delivered at the UN General Assembly by Donald Trump and Chinese Premier Li Qiang. The United States wants a unipolar system based on unilateralism, aggression, and hegemony, whereas China wants a multipolar system based on multilateralism, peaceful development, and sovereign equality, centered in the United Nations. Ben Norton explains. VIDEO: https://www.youtube.com/watch?v=OzCf8XlrKKU Topics 0:00 (CLIP) Highlights of Trump's speech 0:59 Rise of China 2:25 US empire in decline 3:02 Contrasting visions of world order 5:11 Unilateralism vs multilateralism 7:16 (CLIP) China's Premier Li Qiang 8:07 Geopolitical adult in the room 9:20 China opposes new cold war 10:08 (CLIP) Dangers of war 11:07 Compare Li Qiang to Trump 11:36 (CLIP) Trump: "we're the hottest country" 12:24 Fact-checking Trump on US economy 14:07 (CLIP) Trump on stock market 14:34 Inflation 15:35 Electricity prices 16:18 Job growth 16:54 Trump's approval rating 17:55 Trump claims to end 7 wars 18:48 (CLIP) Trump condemns UN 19:54 US sabotages UN, abusing veto 21:50 China upholds international law 22:26 (CLIP) China defends UN & Global South 23:19 Reform of international organizations 23:50 (CLIP) Global Governance Initiative 24:26 80th anniversary 25:30 (CLIP) China on World Anti-Fascist War 26:19 Trump wages war 26:55 (CLIP) Trump wants Nobel Peace Prize 27:14 Trump boasts of attacking Iran 27:40 (CLIP) Trump's war on Iran 28:25 Trump boasts of attacking Venezuela 28:55 (CLIP) Trump's war on Venezuela 29:37 Expanding NATO military spending 29:54 (CLIP) Trump on NATO 30:11 Immigration 31:05 Dementia 31:25 (CLIP) Trump attacks immigrants 32:31 China defends diversity 33:21 (CLIP) China on civilizational respect 33:42 Climate change 34:42 (CLIP) Trump lies about climate change 35:29 China's wind & solar power 36:28 China values science 37:52 (CLIP) China on climate change 38:10 Technology for development 38:31 (CLIP) China on technology 39:03 The future vs the past 39:42 Trump serves fossil fuel corporations 40:27 (CLIP) US as #1 oil & gas producer 41:20 China's vision vs USA's vision 42:37 The emperor has no clothes 43:38 Outro

At 46, Cebu-born Jibb Iglesias continues his passion for footy, proudly representing the Philippines at the AFL Asian Champs. - Sa edad na 46, ipinagpapatuloy ng tubong-Cebu na si Jibb Iglesias ang kanyang pagmamahal sa footy habang buong pusong kinatawan ang Pilipinas sa AFL Asian Champs.

Welcome to the Leading Edge in Emotionally Focused Therapy, hosted by Drs. James Hawkins, Ph.D., LPC, and Ryan Rana, Ph.D., LMFT, LPC—Renowned ICEEFT Therapists, Supervisors, and Trainers. We're thrilled to have you with us. We believe this podcast, a valuable resource, will empower you to push the boundaries in your work, helping individuals and couples connect more deeply with themselves and each other. The episode focuses on working with the negative view of self in Stage Two of EFT therapy, exploring the deep, vulnerable process of helping clients confront and share their most painful self-perceptions. Main Points: 1. Negative View of Self Characteristics: - Goes beyond just emotions - Represents core identity messages - Often rooted in past traumas and attachment injuries - Involves believing fundamental negative things about oneself 2. Stage Two Therapeutic Approach: - Linger and excavate the deepest negative self-messages - Use enactments to reveal core identity beliefs - Help clients share their most vulnerable self-perceptions - Create opportunities for partner acceptance 3. Key Therapeutic Strategies: - Slow, careful exploration of negative self-view - Validate and reflect deeply - Allow partners to provide compassionate, attuned responses - Avoid rushing or trying to immediately "fix" negative beliefs 4. Goals: - Help clients reveal their most painful self-perceptions - Create space for partner acceptance - Gradually restructure negative self-beliefs - Support healing from past relational wounds The episode emphasizes that working with a negative view of self is a profound, delicate process requiring patience, depth, and compassionate therapeutic skill. To support our mission and help us continue producing impactful content, your financial contributions via Venmo (@leftpodcast) are greatly appreciated. They play a significant role in keeping this valuable resource available and are a testament to your commitment to our cause. We aim to equip therapists with practical tools and encouragement for addressing relational distress. We're also excited to be part of the team behind Success in Vulnerability (SV)—your premier online education platform. SV offers innovative instruction to enhance your therapeutic effectiveness through exclusive modules and in-depth clinical examples.  Stay connected with us: Facebook: Follow our page @pushtheleadingedge Ryan: Follow @ryanranaprofessionaltraining on Facebook and visit his website James: Follow @dochawklpc on Facebook and Instagram, or visit his website at dochawklpc.com George Faller: Visit georgefaller.com If you like the concepts discussed on this podcast you can explore our online training program, Success in Vulnerability (SV). Thank you for being part of our community. Let's push the leading edge together!

Why Mac Jones is the best kind of comeback story

reference: Sri Aurobindo and the Mother, Looking from Within, Chapter 5, Attitudes on the Path, pp. 170-172This episode is also available as a blog post at https://sriaurobindostudies.wordpress.com/2025/09/11/consecrating-oneself-entirely-to-the-divine-life-represents-the-way-forward-for-the-seeker-against-all-doubt-opposition-and-negativity/Video presentations, interviews and podcast episodes are allavailable on the YouTube Channel https://www.youtube.com/@santoshkrinsky871More information about Sri Aurobindo can be found at www.aurobindo.net  The US editions and links to e-book editions of SriAurobindo's writings can be found at Lotus Press www.lotuspress.com

Lesley Logan sits down with Jon Ostenson, author of Non-Food Franchising and CEO of FranBridge Consulting, to explore why franchising—especially beyond the food industry—is one of the most underutilized yet powerful paths to entrepreneurship. Jon shares how franchising gives you proven systems, built-in marketing, and a peer network, while also revealing what green flags (and red flags) to look for when evaluating opportunities. You'll walk away seeing franchising in a whole new light—with clarity and confidence.If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast https://lesleylogan.co/podcast/. If you have any comments or questions about the Be It pod shoot us a message at beit@lesleylogan.co mailto:beit@lesleylogan.co. And as always, if you're enjoying the show please share it with someone who you think would enjoy it as well. It is your continued support that will help us continue to help others. Thank you so much! Never miss another show by subscribing at LesleyLogan.co/subscribe https://lesleylogan.co/podcast/#follow-subscribe-free.In this episode you will learn about:Why franchising can be a faster, safer path to business ownership.The surprising industries thriving in non-food franchising.How semi-passive franchise models allow people to day jobs while building a business.The real numbers behind startup costs, royalties, and profit potential.Green flags and red flags to watch when evaluating franchise opportunities.Episode References/Links:FranBridge Consulting - https://franbridgeconsulting.com/Jon Ostenson on LinkedIn - https://www.linkedin.com/in/jonostenson/Jon Ostenson on Facebook - https://www.facebook.com/JonOstenson1/Jon Ostenson on Twitter - https://twitter.com/Jon_OstensonJon Ostenson on YouTube - https://www.youtube.com/@JonOstensonFBCBook: Non-Food Franchising by Jon Ostenson - https://a.co/d/29XayrQGuest Bio:Jon Ostenson is the Founder and CEO of FranBridge Consulting, which ranked 584th on the Inc. 5000 list as one of the fastest-growing companies in America. A former corporate executive and past President of ShelfGenie, Jon has sat on all sides of the franchising table—as franchisor, multi-brand franchisee, and now trusted advisor. Widely recognized as a leading voice in non-food franchising, he has helped thousands of entrepreneurs and investors explore opportunities across industries such as home services, wellness, senior care, and pet care. Jon is also the bestselling author of Non-Food Franchising, a practical guide for building wealth and business ownership without starting from scratch. Through FranBridge, he connects clients with over 600 vetted franchise brands and provides strategic, hands-on support at no cost to the client—helping them step confidently into semi-passive investments or full-time business ownership. If you enjoyed this episode, make sure and give us a five star rating and leave us a review on iTunes, Podcast Addict, Podchaser or Castbox. https://lovethepodcast.com/BITYSIDEALS! DEALS! DEALS! DEALS! https://onlinepilatesclasses.com/memberships/perks/#equipmentCheck out all our Preferred Vendors & Special Deals from Clair Sparrow, Sensate, Lyfefuel BeeKeeper's Naturals, Sauna Space, HigherDose, AG1 and ToeSox https://onlinepilatesclasses.com/memberships/perks/#equipmentBe in the know with all the workshops at OPC https://workshops.onlinepilatesclasses.com/lp-workshop-waitlistBe It Till You See It Podcast Survey https://pod.lesleylogan.co/be-it-podcasts-surveyBe a part of Lesley's Pilates Mentorship https://lesleylogan.co/elevate/FREE Ditching Busy Webinar https://ditchingbusy.com/Resources:Watch the Be It Till You See It podcast on YouTube! https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gLesley Logan website https://lesleylogan.co/Be It Till You See It Podcast https://lesleylogan.co/podcast/Online Pilates Classes by Lesley Logan https://onlinepilatesclasses.com/Online Pilates Classes by Lesley Logan on YouTube https://www.youtube.com/channel/UCjogqXLnfyhS5VlU4rdzlnQProfitable Pilates https://profitablepilates.com/about/Follow Us on Social Media:Instagram https://www.instagram.com/lesley.logan/The Be It Till You See It Podcast YouTube channel https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gFacebook https://www.facebook.com/llogan.pilatesLinkedIn https://www.linkedin.com/in/lesley-logan/The OPC YouTube Channel https://www.youtube.com/@OnlinePilatesClasses Episode Transcript:Jon Ostenson 0:00  Lesley, franchising is not right for everyone. I think there's some people that, to your point, are too entrepreneurial that want to put their thumbprints all over a business. And you know, it may not be a good fit for them. However, for the vast majority, it's my humble belief that franchising represents a better path to business ownership.Lesley Logan 0:15  Welcome to the Be It Till You See It podcast where we talk about taking messy action, knowing that perfect is boring. I'm Lesley Logan, Pilates instructor and fitness business coach. I've trained thousands of people around the world and the number one thing I see stopping people from achieving anything is self-doubt. My friends, action brings clarity and it's the antidote to fear. Each week, my guest will bring bold, executable, intrinsic and targeted steps that you can use to put yourself first and Be It Till You See It. It's a practice, not a perfect. Let's get started.Lesley Logan 0:53  All right, Be It babe. I have a topic we have never touched. I'm so jazzed about this, I actually found it really, really fascinating. And this year is like my year of being curious and understanding more and more about businesses as our business continues to grow. And so when I met Jon Ostenson, I have so much more knowledge, so much more understanding, so much more excitement and inspiration. And I really wanted to bring this to you, because I know how many of you are like, wanting to make other income, wanting to make more income, one of the questions I get all the time is like, how do I make passive income? How do I have another income stream? I know that managing your money in stocks can be overwhelming, and so I wanted to bring a whole topic to you that I think could be really, really fascinating. So Jon Ostenson is the author of Non-Food Franchising. His company is FranBridge Consulting and so we're gonna talk about franchises. And if you're like, oh, this could be so boring, I promise you, it's anything but boring. It's quite fascinating. Even if you never go into this, you'll actually like, look at franchises and different businesses in a whole different light. And I found it to be really eye opening. And I feel like a lot of my friends should be doing this, and I don't know, maybe, maybe I'll create a portfolio and do this too, but I now have so much more understanding, and I'm really excited for you to have that, because to be it till you see it in anything, the first thing we need is have answers and understanding and also some curiosity in a topic we might not have known anything about. So if you've been wanting to start a business, maybe instead of starting something new, you actually want to franchise and so here is Jon Ostenson. Lesley Logan 0:53  All right, Be It babe, I'm really excited. I've read the book by our guest today, and this is a really interesting topic we have never talked about, and I've always been slightly interested in, and now I'm even more intrigued. So Jon Ostenson is our guest today. Can you tell everyone who you are and what you rock at that's so unique, so niche and so wonderfully that we need to talk about it? Jon Ostenson 2:40  Yeah, absolutely, no. Jon Ostenson, here in Atlanta, Georgia, I've got three young kids I chase around on a daily basis, but you know, I spend most of my time helping my clients find the right businesses for them. And so, you know, we work with over 600 different franchise brands, and what I call Non-Food Franchising. So it's all these industries outside of fast food that incorporate franchising. And yeah, it's entirely free to work with us, and I get to help our clients navigate, what are the top opportunities given their background, their interest, what they're looking to do? What are those top available opportunities in their market that can be a fit for them?Lesley Logan 3:11  I so I really, this is, like, really interesting, because first of all, of course, growing up, I only knew like, food franchisers, and I'm just not into cleaning a kitchen. So, like, that was, you know, different. And then also, like, in my industry, there are now, like, franchises in in the Pilates world, but there's always been franchises in the fitness world. And I guess, like, I guess where we could start is, like, wait, why would someone do a franchise versus, like, start their own non-food business, you know, like, what, what would be like, the things that they're thinking about? Because one of the reasons I want to have you on is, we have had a lot of coaches who are entrepreneurial. And I also think, like, not everyone is an entrepreneur, but also I don't want to, like, tell people that, like, I think they need to figure that out for themselves. So why would someone franchise versus start something themselves?Jon Ostenson 3:59  Yeah, great question. And you know, franchising is not right for everyone. I think there's some people that, to your point, are too entrepreneurial, that want to put their thumbprints all over a business, and you know, it may not be a good fit for them. However, for the vast majority, it's my humble belief that franchising represents a better path to business ownership. You know, you've got a lot of things already in place. You've got a proven business model that's been successful in other markets. You've got a coach on the sidelines in that franchisor that's supporting you and their team. You've got other franchisees that are living the same thing day in, day out, in their markets. You're constantly exchanging best practices. You're in business for yourself, but not by yourself. And, you know, being able to step into a business where on day one, the marketing is pretty close to optimized because they know how to run, you know, and the franchisor is doing a lot of that for you. You've got efficiencies and supply chain, and there's just a lot of opportunity that franchising opens up. And what I tell our clients is, hey, you may double down and triple down on franchises and build a whole empire of franchises. A lot of our clients do, or you may decide, hey, after franchising, let's go start my own business. I guarantee you that next business is going to be better for having had that franchise experience and understanding, how do you stand up a business, what are the best practices in the processes that go around it? Lesley Logan 5:09  Yeah, I mean, like, I think that's really cool, because I remember, you know, when I wanted to, first of all, when I became a Pilates instructor, I never thought I'd own a studio, because I worked at a I rented from a studio, and I saw how much stress she was under, and then I worked for a company, high end fitness business, and I got to run a studio for them. And I was like, oh, this is so nice, just to have everyone tell me the budgets, and tell me how much people are getting paid and and do all the do all the math, and then I can just do the thing that I really love. And so in a way, that's kind of like what you're saying, like a franchise is a proven like, it's a business that's already been in existence. It's proven, like, who they're for, what they do, how they market. And so you get to kind of hit the ground already running, in some ways, am I right?Jon Ostenson 5:53  Yeah, you start on third base instead of first. You're not having to test everything now, in exchange, you're paying a royalty back to the franchise or right? And franchising is just like everything. Not every company is created the same. Every industry has got good players. You've got ones that aren't as strong. That's where we come in to help our clients really identify the companies that are providing the most value, that can get them to where they want to be.Lesley Logan 6:13  Yeah. So I guess, then I guess maybe I should have started with, what is a franchise. Maybe I should have started there. And then also, if you can talk about, like, do, do companies that are franchises, they have already been in business before they're selling off businesses, or they they start out that way, like, do you get it on the ground level? Jon Ostenson 6:34  Yeah, well, hopefully they've already proven out the model, at least in one location, if not in multiple locations, you know. And they're well capitalized, they've got a team to support franchisees, but no franchising at its roots, you know, it's really three things. That's, it's a shared brand, we all know that. But then it's, you know, that there's a system, and there's guidance, and there's value being provided from a home office to that franchisee, to that location. The franchisees give me some sort of payment back in the form of a royalty, typically, to that franchisor. So it's really those three things. So there are companies out there that are probably operating as franchises that may not have franchise, but technically, that's what a franchise is. And again, when I say the F word franchise, people think fast food. I mean, that's what comes to mind. But there's so many different industries out there outside of food, and I've got nothing against the food guys. We need them. We support them. But again, there are easier ways to make money that may require less employees, less operating hours, that may carry higher margins because you don't have the food waste, they may be less susceptible to consumer whims. I always say that frozen yogurt was big until it wasn't. Most of our clients are liking opportunities that aren't trendy. They're not going out of style, and they'll always be mainstream.Lesley Logan 7:46  Yeah. Can we talk about like, what are like some of the, what are some of the non-food franchise like, either if you want to name names, or if you want to name like areas of business? Because maybe it would help people to hear like, there, there's actually franchises in an industry they already have experience in. Jon Ostenson 8:01  Yeah, you know. And I'd say 90% of our clients get into something in an industry they don't have experience in. And that's the beauty of franchising, is it allows for those pivots, but you take the transferable skill set. So yeah, examples there, we're seeing a lot of interest, I'd say in the general theme, it's businesses that will do well regardless of the economy, regardless of tariffs, regardless of, you know, other exterior factors. And so it's things that people will always spend money on. So home and property services are a huge area. Health and wellness. McKinsey just came out with a study saying it's now a $480 billion a year industry in the US, growing at 10% so health, you know, wellness, is now mainstream, which I know you would agree with it's categories like kids, pets, seniors again, things that people will always spend money on regardless. And you know, within these there's so many different niches. I mean, I can just, you know, I'm thinking of in-home senior care. We have a lot of clients doing that, but then I've had clients that have been placed there that came back said hey Jon, what's a tangential opportunity that can tag onto this, and I introduced them to one that provides wheelchair ramps and stair lifts and retrofitting within a home, allowing people to age in place. Youth soccer, I've had so many clients do well in youth soccer, tutoring, kids-related, pets, everything from pet grooming to pet boarding to dog training, you know, but. Lesley Logan 9:19  That's crazy, because I would never have thought those things. And also, like, I because we travel around the world. We were talking about that before we hit record, I find myself, like, like, in shock. Sometimes I see a business and I'm like, like, how much did they need to get started? You know? Because, like, what I love about like, like, one of the things that kept me from starting my own studio is, like, just the barrier of entry. I didn't know how to read a lease, I didn't know what kind of insurance I needed to have outside of what the insurance I had as a renter. I didn't know that. And then I had to, like, buy all the equipment, and then it's like, oh, like, literally, my clients came the first like, where's the trash can? I was like, oh, yeah, we need a trash can. Like, you know, you know, right? Like, I was like, I was like, flying by the seat of my pants. But like, what you're saying is, like, I, if I was like, I need a change in my life, or I actually just want to have something that's working alongside what I'm already doing, I can go into another industry, and then they already have the blueprint. So, like, I already know how much it's going to cost me to go all in. I know how much it's going to cost me to run it, and I also have an idea, in theory, at least as I learned this from your book of, like, what I could make off of this investment, which is a little different than stock market, like you think. I mean, we all hope it's going up right now, we're riding a different wave. But, like, but like, you know, so am I right when I say, like, there's like, a nice blueprint there that kind of allows you to know more about what you don't know? Jon Ostenson 10:43  Absolutely. No, you go in and you know, nothing's ever a sure thing, right? I never want to pretend like it is. Business ownership is hard. It takes work. If it was easy, everybody would be a business owner. But franchising does make it a lot easier and a lot more predictable, right? I mean, that's why banks love providing SBA loans to franchises over startups, right? It's just more predictable, and the success rates are obviously a lot higher all the data shows, you know, but I'd say, going in, you know, there's a whole exploration process, and that's where we take our clients through, hold their hand as they're having these conversations with their franchises. You know, learning a lot, asking good questions. They, they get a chance to talk to other franchisees in that system before they ever buy. You know, they get kind of the inside knowledge. They get a franchise disclosure document, which is the history of the franchise and all the information. And to your point, the financials on the all in investment. And you know, there's going to be some variability in there, but it outlines that, and then talks about the historical financial results, what you could expect to make if you execute according to plan. And so you know, you can make disproportionate returns on your investment. Again, because you're, you're putting effort in, right? If it was just thrown in an index fund, you know, you're not going to be able to make, you're going to be capped at what you can make. However, with this, you also get the tax benefit. So it's really a, I call it the trifecta. You're, you're building towards cash returns. You're obviously building an asset that's going to have exit value down the road, and in all likelihood, you'll sell to another franchisee in the system. That's very common. And then third, you get the tax benefits of business ownership. And if you have a W2 job or spouse with a W2 I mean, this could be a great offset. I mean, there's so many levers that the government set up the tax playbook to incentivize business ownership.Lesley Logan 12:19  Yeah, well, one of the reasons why we love being a business owner, I definitely enjoy those. I want to, like, just kind of tap into something, because you talked about, like, being a W2. So realistically, how many people do you know, like, have a job and then have a franchise that's successful? Like, are they overworking? Are they 120-hour work week kind of person? Or, like, is that a normal thing that people can do?Jon Ostenson 12:43  Roughly half of our clients start out with a manager in place. It's what franchising would call semi passive or semi absentee or executive model. I always want to say hey, stop. You know, let's not sugarcoat this. It takes work to stand up a business. You know. I don't want to ever pretend like it doesn't so, you know, it is very doable within a franchise system, because you've got a franchisor and their team supporting that manager that you put in place on a day to day basis, they can answer a lot of the questions and kind of hold their hand. So it takes some of the burden off of you. So much of it your ramp up time and success comes down to who you put in that place. You can have a great vehicle, you still have to have a great driver, so someone that has fire in the belly that you incentivize. You know that's a hard worker. They can make your life very easy, but if it's not the right person, you can find yourself with some headaches and leaning in. So I'd say that is the biggest variable that I see. But I've got so many success stories of clients that have gone that path. I should always want to make sure that they go in eyes wide open, that in the early going especially, it will take work.Lesley Logan 13:43  Yeah, yeah. I mean, like, I think that's really important. Okay, let's just take, take a step back, Jon, how did you get into doing this? Like, did you, did you always know, like, you would be in franchises? Like, did you fall into franchises? Like, tell us the journey that got you here. Jon Ostenson 13:56  Yeah. You know, like so many of your listeners, I spent many years in the corporate world, and you went to grad school and did all the things you're supposed to do as a W2 and had a great run. But, you know, had that desire, like so many, to be a business owner and to do something more entrepreneurial, and didn't know what it what it looked like. And I really fell into franchising. So about eight years ago, I left the corporate world, assumed the reins of a business called Shelf Genie, which is a large franchise system. I served as their president, supporting our home office and all of our franchisees, and I really fell in love with the franchise model through that experience. And I just saw how so many different backgrounds got involved in a shared system because of the support that we were providing. So long story short, I partnered with the founder of that company. We spun off. We've invested in franchises ourselves. I've continued to invest in franchises on my on my own outside of that, so I've been a franchisor. I am a multi brand franchisee as well, and started the consulting practice about little over six years ago, and now I give it most of my full time focus, and just love helping others connect the dots, because I just hear the same conversations every day. So many people, oftentimes midlife, they're saying gosh, you know, I've looked around. And they all know some business owners, and they see them out playing golf or, you know, going to their kids activities. And they say, there's a little bit of FOMO, right? And, but they say, I don't have that genius idea. I'm a little risk averse. I don't know where to start. That's where I come in and say hey, look at all these other people that have done done this through franchising with similar backgrounds, and here's why it worked for them. So absolutely love helping them. I personally, on the franchisee front, this just shows a little bit of the variety out there. I kind of like home and property services personally. So I've got one business that works on parking lots. It provides asphalt paving and line striping, you know, non sexy need based industry, right? I've got another one, is almost like an equipment rental business. It provides temporary walls like containment walls around renovation projects and construction sites. It's a great B2B business. I've got one that this is kind of more in the health and wellness genre. It's uses 3D printing to provide custom inserts and insoles for shoes, right? It talked about a niche, right? But we cater a little bit to the older population. So I've got it down in Delray, Florida, which is a great market. I've got another one where I'm on the franchisor side, I'm invested that provides custom pull out shelving for your kitchens and pantries and stay at home moms are great for that business. They're great designers. They can work when they want to and go in and be very conversational, and it's just cool that, you know, we're creating a lot of jobs out there and helping a lot of communities.Lesley Logan 16:28  Okay, that is so all of those things, I would not have thought that, like, those are franchises. I guess I just thought, like, some guy in Las Vegas, like, start a business, like, putting fences, you know, and then it's like, but then I do see like, oh, it's a company. And then you're like, how, like, how, who got into, like, having a business in every city that has, like, fences. But now that I'm like, you know, now that the wall been pulled over my eyes, I can under, away from my eyes, I can see like, oh, these are companies that got started, and then they had success, and then they basically created a blueprint that they could sell to other people, and then that's how they spread their wings, because they've got good systems in place. And then people like you, or people like listening are like, Oh, I could do that. I actually, like, I have the funds for that. I like that area, or, you know, I can have the time for that. I just wouldn't have thought that those are those. There's things out there. And I was reading your book, one of the things that we all have to realize is, like, there's a massive population of people who are getting older, and there is not enough like services for them, and so like to be able to get into a franchise that is like servicing those people that they for a necessity they need. It's kind of nice, I guess. I have a question, how much of what you have to do as a franchisee, as far as the marketing goes, like, are you curating the marketing? Does the franchise or that's the parent company, right, like the owner, do they come up with a marketing strategy and you just, like, put it out there. Like, I guess I'm wondering, like, how much of it do you be creative? Because I have a lot of people like, I want to do this, but I hate social media, or I hate writing a newsletter, or I hate doing the the money and the taxes, like, how much does the actual franchisor do for you? Jon Ostenson 18:06  Yeah, it certainly varies, but I'd say in most cases, the franchisor leans in pretty heavy on the marketing side, and that's one of the value adds they're bringing. So they're creating collateral and brand standards and customizing things for you for your location. But you know, typically they have an in house marketing team. They may partner with an outside digital marketing firm that's running all your Google ads and social media ads and such. Oftentimes, they encourage you to get involved on the organic side of social media. So it's, hey, I've got a home show coming up. Hey, look at this great job. We just got a five star review. But again, if you need help with that, most of them are able to lean in pretty heavy, because I do have a lot of clients like you said that they hey, I don't want anything to do with marketing or lead generation. And I, you know, in some cases you have franchises that have national accounts. I mean, that's a great lead generator. In some cases, they have an in house call center that's actually sometimes making outbound calls, or, at a minimum, taking inbound calls, setting appointments for you. So, you know, as you go through the expiration process, you want to say, what, what value is that franchisor providing for the royalty that I'm giving them? And, you know, make sure that there's tangible things that they're doing for you, oftentimes on the marketing side as an example.Lesley Logan 19:11  Yeah, okay, you talked about royalties, I guess, for the person who doesn't understand what that means. What is that? And then what are we what can someone expect on like, maybe not like the best end, but like an average, an average earnings.Jon Ostenson 19:26  Yeah, so I'd say six to 8% royalty typically is common in revenue, and when you look at financial projections of a franchise system, they're always going to net out for that royalty, right? I mean, that's part of the business model. But again, those are oftentimes expenses that you would be paying on your own elsewhere. From an earnings standpoint, well, first off, from an investment standpoint, I mean, we have some clients who are getting into big seven figure deals, but most people like when you look at service-based businesses and you're all in investment, your franchise fee, startup costs, several months of working capital, oftentimes you're in the 150,000 to 300,000 range, all in. And some of our clients are using cash, most like the idea of using an SBA loan, where maybe they put in 50,000 cash and then they use an SBA loan for the balance. Some are using an old 401-K from a previous employer, and rolling that over, which is very doable through what's called the ROBS program. So we help them with all of that. But from an earnings standpoint, it definitely varies. You always want people to take a conservative approach. There are businesses that will start cash flowing as early as three months in. Oftentimes, what you see is maybe six months, six to 12 months, somewhere in that range. Again, we always want to be conservative, but no you can make disproportionate returns. So let's say your all in investment was 200,000 from their businesses out there, where you can conceivably do a million dollars for first year. I mean, there are a good number of those. And oftentimes you're kicking off 15 to 20% to the bottom line. So call it 150 to the bottom line. And you may not get that in year one, but that may be your run rate at the end of year one. So 150 on an investment of 200,000 that's 75%, and then you're doing, you're doing that every year, and you're going to sell that business down the road. So again, but you're putting effort in, right? Lesley Logan 21:01  Right, well, well, and it's like, like, I'm just, like, just forever. I, when I opened up my studio, which was a small studio, I, no, my bank did not give me a loan. I've been in business for so many years, like, look, I make, I make over six figures, and I just want, like, a $40,000 loan. And they like, laughed in my face, so I used a credit card. But it was, the investment was like, $40,000 in equipment, all I had to do, and then obviously my rent and everything. And of course, yes, I, because it was on a credit card, I paid that shit off. But, but like you do only have to, ideally, only buy that equipment one time, right? So there's that. But to to your point, like the money that or time I had to spend on marketing my business, on coming up with the marketing, on testing it out, on doing all that stuff, on also collaborating, also doing the organic, also all that stuff, it starts to go sometimes you're like, it would be nice if someone could take this off. And even if you're like, oh, let's all just hire an agency. Y'all, I have talked to marketing agencies. They are not just 6% like some like, you know, when you think about, like, the marketing agency and the account and the organization and the hiring practices and the onboarding, all that stuff costs money, and so sometimes it's kind of like, it's almost like it's 50% it's 50 one way, 50% one way, half it does another. It's kind of like, if you really want to make your own thing and be your own thing, then go do your own thing, and you'll have all the same expenses. But I can't believe, and I don't know, I can't believe it that an SBA loan would be easier to get if you're in a franchise. But it makes sense, because there's a proven track record from all the other businesses, and the SBA is like, oh, this is like, very risk free. It took us a pandemic to get an SBA loan because they were just giving them away. And then recently, a lovely bank helped us get an SBA loan. But, like, it's not easy when you work for yourself and a non proven kind of a thing to get loans. So it sounds really cool that that would be an option for people. Jon Ostenson 22:51  Yeah, and probably two thirds of our clients use them. We really don't have issues getting them. As long as you have semi decent credit, then you know, they have that confidence in the franchise.Lesley Logan 23:00  That's so cool. That is really cool. Okay, so I guess you know there's, there's probably people going, oh my gosh. Like, I don't know. Like, I'm not confident as a business owner. Do you have to have, like, would you suggest, like, you have to have some sort of management experience, or do you have people who, like, do the franchisers like, support you in leading a team and how to lead the business that you're doing. Or, like, are you having to figure that yourself? Jon Ostenson 23:26  Yeah, there are some franchises where you really don't have to have a team. You know, you can be kind of a solopreneur in a way, or maybe have an assistant. Most of them do involve people. And people always ask me, what, what does it take to be successful in franchising? And really, it's two things. It's one, you're good with people. You don't have to be great, but you have to be someone that people want to work with, work for work. So that's just Business 101, and then secondly, your willingness to follow a system, where I see people get in trouble in franchising is that they come in and they think they're the smartest guy in the room, and they don't have the humility to actually learn from others and to follow a system, even if they have questions. When I was at Shelf Genie, our best franchisees were the ones that followed the system the closest. That sounds so cliche, but it's true. Lesley Logan 24:04  I mean, just being in business myself for 15 years, like, how, like, there are some days I'm like, I just wish there was a fucking blueprint that I could just wake up, follow, like, there's days and I'm like, so I can't imagine, like, not only take advantage of that, but I guess, like, maybe that would be the person who wouldn't be right for franchising, and maybe they shouldn't have gotten into it in the first place.Jon Ostenson 24:29  Yeah, no, I've seen clients do very well within a franchise system, and then, you know, I had a client that didn't do well in it, and the feedback from the franchisor was said, what's going on? Why is it working for them and not for them. You said, we've coached them, we've done everything we can, but they're not willing to follow the system. (inaudible) But certainly, if you have any business experience that you know, those transferable skill sets definitely help and maybe give you a leg up. But I've got plenty of clients, you know, doctors or a big client, mainly clientele of ours, most of them don't have business experience. They may be really, they're like, smart and smarter than their little niche but they don't have that business experience. They love the idea of, they know how to learn, and they're willing to learn, and they're willing to follow the playbook the textbook. Instead, they come in and they say, Hey, we want to flex that intellectual muscle. And most of them are keeping the day job. You know, they've invested too much to walk away from that. But they put a manager in place, and they go out and run a restoration business, or a mobile pet grooming business, something that allows them to flex that intellectual curiosity a little bit.Lesley Logan 25:29  That is so cool. I just think it's so cool, like I was, I never thought about, I'll be really nice, I actually never thought about owning a franchise. I have been wondering and been very curious of like, what if I wanted to open up something that I made into a franchise like that has been on my mind a lot lately, but the more I read your book, the more I'm like, what a cool investment strategy. Like, you know, just to diversify how you're investing for retirement and wealth, and, like, generational wealth. I don't have any kids, but like, it would be cool to have have have another way of having an income stream or or a way of growing wealth without having to, not that it's not work, but also just not rely solely on, like, what my wealth manager is doing with my stocks.Jon Ostenson 26:13  Oh, because so many of our clients do have kids or family members that they plan on bringing in on the business over time and kind of setting an example for them to learn from as well, and of taking a risk, if you will, a calculated risk. But now from an investment standpoint, I'm an all of the above investor. I invest in real estate and energy and the public markets and private credit. I encourage people to do all that. I just think the business ownership can have a unique place in that portfolio, and there's a whole lot of tax benefits and other synergies to come from that. So I'm not against any of those other investments. I just think it's an all of the above approach. And a lot of our clients invest in real estate too, some more actively than others, but there's a lot of synergy between those two, I think, from a mindset standpoint, from a tax advantage standpoint, and then directly from an industry standpoint, a lot of these businesses support real estate.Lesley Logan 27:00  What are some, like, green flags about a franchise, or some red flags, like, what are some things that we would like? You'd be like, oh, this looks really this looks really good. I think a client would do really well with this. And then what are some like, ooh, maybe, maybe watch this one, or don't, don't sign up for that.Jon Ostenson 27:16  You know, certain the brand is more important in certain industries. I mean, certainly, food, hotels, things like that. You know, but in a lot of industries, I think about insulation, that's a $50 billion a year industry, no one can name an installation company, right? And so that's less important. But still, some of these industries, you know, if it's a household name brand, then it's probably sold out in all the good areas of your market, right? And so oftentimes, we find ourselves working with more emerging franchises. You know, they may have five locations, 25 locations, 50 locations. Yes, they haven't been around forever, but they're growing fast. And really, the what I look for there, it's the competitive advantages, it's the financial models got to be very robust, because you have a smaller sample size to look at. You've, you know, the early franchisees have to be saying positive things about their experience. But then a lot of emphasis I put on those companies is the leadership team. I want to see a good blend of industry experience, but also franchise experience represented on that team that's essentially going to be your business partner. So I would say that the people involved on the other end, I can't underestimate that enough. That's something I emphasize with our clients. Let's vet them. Those are the ones that you want to have a good relationship with that are going to be supporting you day in, day out. You know. I would also say, you know, make sure that, if it's an early stage franchise, make sure it's well capitalized. You know, they've got plenty of assets in the bank. I have seen companies, at times, rush into franchising thinking it was their gold mine and they needed to have a pot of gold going in, because it's expensive to franchise, but no, private equity loves franchising, you know, they they invest strategically at the franchisor level very oftentimes, just they love the model and kind of these industries that they play in. There's a lot of smart money getting involved. But I always encourage people, you know, and that's why we set up our exploration process the way we did. And, you know, I'm essentially a real estate broker buffer franchises, and so I help our clients understand what's going on behind the scenes, how to think about this, the questions to ask, provide them with a lot of resources, and then we simply get a referral fee from the franchise brand on the back end when a placement happens, like a real estate model, you've got the seller, and none of that's passed on (inaudible).Lesley Logan 29:17  So that's why you're free. Because, like, I couldn't believe it. I was reading the book, and I was like, because to me, you know, one of the one of the big hurdles for a lot of people is like hiring a coach to help them make the best decisions. You have to have the money for that and hope that it works, but to work with you, you know, it's just free for for the person wanting to work with you. So like, you get paid because the franchise company pays you like a real estate so, got it. Jon Ostenson 29:40  For them, it's a sales and marketing expense. None of that's passed on to our clients at all. So you know, whether they go directly to a brand or go through us, they're paying the same franchise fee. So it's a nice, it's really a great model, and, yeah, we're able to help a lot of people through it. Lesley Logan 29:58  That is so cool. Yeah. I mean, so you did this six years ago. Okay, so you started right before everything shut down. Like, can we just go back? Was it, what was the be it till you see it, or what would, like, the things you had to do? Because, like, my goodness, during that time, a lot of franchises could be open. A lot of franchises had, like, limitations. Did you worry that, like, this was going to all, like, be affected negatively. Like, did you see the light at the end of the tunnel? Tell me about it. Jon Ostenson 30:25  Yeah, you know, just like everything, we're all questioning what's going on there for a few weeks, but then as soon as the dust settled, I mean, the franchise deals started happening again, and people started jumping back in. They said, I want something that I can be in control of, and I really don't want to go back to the office. I really, you know, a lot of people took time to think about what they wanted to be until they saw, you know, and they said, you know, that's the time a lot of introspection, which led to a lot of people saying, maybe now's the time. If I don't jump now, when am I ever going to do it? So, you know, there's a lag effect. Some of those late adopters I'm still having calls with now. They're like, I've been thinking about this for years, and most of them are realizing there's never a perfect time to jump into business ownership. But, you know, good number of them realize, hey, now's as good of a time as ever, as ever. And yeah, for me, you know, I love what I do. I've had teams in the past of, you know, 50 employees, and you know, I can do that, but that's not what I love doing. What I love doing is working with clients. I love strategy. I love seeing business models being out there at the tip of the spear, and so I've really structured my business now. I had that vision early on that, hey, I'm going to play to my strengths and how I want to spend my time, and that's what I've built. So yeah, love our model and how I get to help people and engage with clients all day.Lesley Logan 31:35  Yeah, so in that because, like, we talked to a lot of people get really passionate. And I think what, especially when I work with studio owners, like, sometimes their passion becomes like a prison because they like, stop taking care of themselves to like, do their passion like, how do you prioritize yourself so that you can have the mindset and the wherewithal to help the people that you like to help?Jon Ostenson 31:54  Yeah, I'm probably one of the more intentional people that you'll meet in that regard. You know, I think through things in the area of five domains, you know, faith, family and relationships, but then also finances, fitness and franchising. So my 5F framework, if you will, you know, but I'm constantly evaluating and balancing, you know, how my day is spent in each of those so, you know, work out on the fitness side. You know, the trainer a couple times a week, and got my infrared sauna and cold plunge and red light and all that here in the office. And, you know, coach my kids teams, you know, teach their Sunday school. You know, try to balance everything and very blessed, very thankful for what I get to do, and that allows me to do the other things I want to do. And I will say I'm the hardest boss I've ever had. You know, business ownership isn't easy. I work myself hard, but there's so much flexibility, and I'm just thankful. I pinch myself every day having had a W2 job for many years, I could, can never imagine doing that again.Lesley Logan 32:48  Yeah, I understand that. Okay, this is a really, like personal story we had. Our health insurance company is contracted with another company. Maybe it's a franchise that, like, comes to your house to, like, do, like, your physical, which is, like, just the meetup, just the heart, the lungs, just the blood pressure, and then, like, talk to you about, like, what doctors you want to see this year. And the whole time I was like, this feels like a scam. Are you casing the joint? Like, what are? What are? I'm like, I feel like this, this is too good to be true. And then they left and my husband are just like, let's just pretend it's not a scam. How lucky are we that we could set aside the time in the middle of a workday at our home to, like, take care of our health, and then, like, go back to doing the things we love everyday. Working for yourself is, like, the hardest thing, even if you work for yourself, for your own franchise, like they're running a business is, you know, there's only so many days where there's not an obstacle. You're like, what the fuck just happened there? But when you are realizing it's all part of the plan that you set out, like when you actually got what you wanted, it is worth pinching yourself. So I love that. Thank you for sharing that. And I also we second y'all red lights, cold plunges like, work out, move your body. It makes running your business, whatever that is, so much easier.Jon Ostenson 34:07  Absolutely, absolutely, no, fully agree. Lesley Logan 34:09  What are you most excited about right now? And like, it can be like in the franchise world, or it can be in like, in your business. Like, what are you most excited about right now? Jon Ostenson 34:16  Yeah, you know, I I practice what I preach, and I love just trying new things and then bringing them to my clients. So for me, I've got my consulting practice, and then I've got all these franchises and other investments in a holding company, and I'm just, this is the nerd side of me. I'm just realizing all these different tax plays and alternative investments and how they can work together, and I'm bringing in the best of the best advisors, and, you know, really trying to level up. That was my theme last year, was level up. I'm like, am I with the best bank out there? Am I with the best concierge doctor? Am I with the best financial advisor? I identified 25 different areas, and this took time by one by one, leveled up in each of those. And said, if I'm not working with best in class, why not? And so I'm just thinking through that lens, and I think it's helping our clients to just kind of say, you know, let's get off the sidelines. Let's just forget the status quo. Like, how do we level up and get better? And you know, whether it be personally or those that we work with in every area.Lesley Logan 35:11  That's so cool. Thank you for sharing that. Because I, I think it's really easy to just keep doing the same thing, and you're like, well, this works and this works. And like, going back to that the bank that gave us SBA loan, I told my husband, I was like, well, why aren't we working with that bank? Like, why is that is not our bank? Because our bank certainly didn't help us. So why are we not with that bank? And it was like, one tiny thing, and I'm like, can we figure out a way around that one time? This seems so stupid. I want to work with a bank that's going to give me money whenever I want it. That's why, why I have a bank. It's not like they're getting interest. I'm not making any money off them. So I so I find, like, it's, it's effort to go through and figure out what that is. And then there's that change, which most people don't like, but then it's like, but then you have, like, the best of the best. So, you know, I think that's really cool.Jon Ostenson 36:01  Yeah, absolutely, you know, unfortunately, I've got the best wife, so I'm not up leveling there.Lesley Logan 36:06  That's good to know. That's good to know. Shout out to her. Okay, is there anything I didn't ask you, because this is a new topic for me, so I really want to make sure that, like, we covered all the bases that you think we needed to. Is there anything to ask you about franchising and getting into it that you want to share with us today. Jon Ostenson 36:22  Yeah, you know, I think we really hit a lot of the hot topics. You know, we're seeing more interest than we've ever seen. I think, for a variety of reasons, our biggest challenge is not lead flow, it's, it's, you know, just the opportunities. They move so fast in good markets. So I would encourage people, if anyone has an interest in exploring, there's no downside, there's no cost. I just hear testimonial after testimonial of franchising wasn't on my radar. I was looking at existing businesses. And actually, that's a good topic. A lot of our clients say hey, we've been looking for an existing business. Here's what I hear. We've been looking for four years, five years, six years. We've been under LOI, letter of intent for five companies, six companies, due diligence didn't shake out someone else outbid us. We uncovered this. And due diligence over and over again, and then they come around to franchising. They say, wait a minute, I can get into franchising without having to pay the premium of an existing business, without having to have the risk of change in ownership. I mean, you're going to lose some key employees. That just happens when you have a change in ownership. And there's so many people out there looking because you have all these talking heads on social media saying, hey, buy a business and then build it. It's like, what was the franchise system? Buy a proven model, but put your thumbprints on it from day one, and build the culture the way you want it. So I'd say that was one thing I wanted to add that just came to mind.Lesley Logan 37:36  I'm glad you brought that up, because we first, like, I work with a lot of business owners who are like, I want to sell my studio. They want to sell their business. And I'm always like, okay, well, what can we sell? Because if you are the main person, not much to sell, babe. So we have to, like, do all this work to make the business sellable. And, and I was like, and I really wish that someone had told you have to think about the exit in mind. Because you have to think about the exit in mind when you start anything everyone, but I do think that there's a lot of people in, oh, I'll just buy this one because I've seen how good it is. I like going there. And so we have this, like, almost like, attachment, but it's true, like, even if people like you, they might still leave, because people don't like change.Jon Ostenson 38:17  Yeah, and you paid a premium thinking nothing was going to change, right? So, you know, that's one of the things I love about franchising, too, is that exit in mind when you start in the beginning again, most franchises, you're not going to find many good franchise resales out there on the market, because any opportunity that's worth buying is going to be bought by another franchisee in that system, that internal M and A, as I call it, mergers and acquisitions, where franchisees buy each other's businesses, which allows for exits and allows others to expand. That's so, so common. I've got so many clients have done, I've personally done it just again, when you think about the end in mind.Lesley Logan 38:52  Yeah, okay, we're gonna take a brief break, and then we're gonna find out how people can work with you, do a call with you and see if this is what's in it for them. Lesley Logan 39:02  All right, Jon, how do people like, it's free, so they could just, like, chat with you and just see if, like, this is a good idea for them, right? Like, that's how they can work with you. How do they find you?Jon Ostenson 39:10  Yeah, come out to our website, franbridgeconsulting.com F-R-A-N bridge consulting dot com you know, share your email address. I'll send you a free digital copy of our book, Non-Food Franchising, which is a great primer to kind of get the juices flowing and help you connect the dots on franchising. And yeah, more than happy to jump on a call, just to indicate that interest when we reach out to you, and we'll jump on a 20-25, minute call, and I can give you some thoughts and get to know you a little bit better, and we can go from there. So again, entirely free to work with us. Certainly if you want to follow on LinkedIn, I put out content most days on LinkedIn. So that could be another place to find me. Lesley Logan 39:42  Oh, that's cool. LinkedIn a place that I keep saying I'm going to start printing thumbprint on. And I go in there and I'm like, I don't know what I'm doing. So maybe in a maybe in a future year. You guys, I did read the book. I'm telling you, it was an it's a great read, and it really helped. It will. I think if it's for you, you'll know by reading the book, and if it's not for you, you'll know by reading the book. And I think that that's really cool. And also I just really, one of the things I'm really intentional about is like we have so many listeners, and I really want people to have I think freedom to make decisions is one of the most important ways you can be it till you see it. And having an, a way of making an income that works for you is one of the best things I could give to you guys as listeners. So thank you so much for being here. Before I let you go, Jon, you've given us so much already, but we love to give our listeners some bold, executable, intrinsic and targeted steps people can take to be it till they see it. What do you have for us? Jon Ostenson 40:35  Yeah, you know, I would say, here's a quote, activity breeds activity, and it's the idea. I've just seen this play out in my career, in my life. Whenever I get off the couch, off the sidelines, I start moving towards Option A or Option B. That's when option C comes out of left field. And so I think good things happen when you're in motion. That idea of activity breeding other activity. Oftentimes you don't know what's coming, but you stay active, it comes.Lesley Logan 40:55  So good. It's so good. It kind of like, ladies, my Pilates lovers, it's like a body in motion stays in motion, like it's like that, but also like we had someone else say, like, I'm, everything is everything. And when you never know what, going out and talking to someone could turn into, my husband talks to everyone at every party, and I I'm so thankful for him, because I can talk to like, five people at a party, and then I'm like, okay, that's good. I'm good. Like, but he and, you know what, we've needed some of those people. He's like, oh, there's this guy I talked to at this place and, like, so, and you just never know what those connections are. So that's a great Be It Action Item. Thank you so much, Jon. Jon Ostenson, everyone. You can get his book, go to franbridgeconsulting.com. Perfect. Go there. We'll have the link in the show notes. And, you know, share this with a friend who needs to hear it. If you had a friend who's like, I need something different, I need to change. I need a new job, like this might be the exact thing they need. And then you get to be part of that. How cool is that? So thank you, Jon. And until next time everyone, Be It Till You See It. Lesley Logan 41:35  That's all I got for this episode of the Be It Till You See It Podcast. One thing that would help both myself and future listeners is for you to rate the show and leave a review and follow or subscribe for free wherever you listen to your podcast. Also, make sure to introduce yourself over at the Be It Pod on Instagram. I would love to know more about you. Share this episode with whoever you think needs to hear it. Help us and others Be It Till You See It. Have an awesome day. Be It Till You See It is a production of The Bloom Podcast Network. If you want to leave us a message or a question that we might read on another episode, you can text us at +1-310-905-5534 or send a DM on Instagram @BeItPod.Brad Crowell 42:39  It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell.Lesley Logan 42:44  It is transcribed, produced and edited by the epic team at Disenyo.co.Brad Crowell 42:48  Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi.Lesley Logan 42:55  Special thanks to Melissa Solomon for creating our visuals.Brad Crowell 42:58  Also to Angelina Herico for adding all of our content to our website. And finally to Meridith Root for keeping us all on point and on time.Support this podcast at — https://redcircle.com/be-it-till-you-see-it/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Perimenopausal weight loss may seem daunting to some. We hear so much more about perimenopausal weight gain and weight loss resistance.  If you've learned diets don't work the hard way, you'll identify with my guest. What you may not realize is why the diet isn't working. A whole food, healthy diet will often work for most. But it won't work if that isn't the problem. My guest in this episode overcame a stressful corporate existence, and thanks in part to the pandemic, was able to leave that and 80 lbs behind. Here is how she achieved her 80lb perimenopausal weight loss in this episode.    My Guest: Terry Tateossian, 48, is a health and fitness expert, podcast host, and the Founder of THOR: The House of Rose, a wellness community for women over 40. Terry is an ISSA certified Personal Trainer and Nutritionist, Registered Yoga Teacher, and IIN-Certified Hormone Specialist and Emotional Eating Coach. She is also the host of the podcast, ‘How Good Can It Get'.    Questions We Answer in This Episode: [00:04:10] Shedding over 80 lbs at 42, was this the first time you'd tried to lose weight? What had you tried before? What was different about this time?  [00:07:10] What was life before vs after? You have a corporate background, did that end before, during or after the weight loss?  [00:16:01] Any relationship changes as a result of the weight loss?  [00:19:46] How did habit gravity and self-identity keep you stuck at 80 lbs overweight, and how did you break free? [00:23:59] What was it like to let go of your corporate identity and step into a new wellness-focused life?  [00:28:30] What is the significance of the name THOR: the House of Rose?    Why Diets Fail and What Actually Works in Perimenopausal Weight Loss   The Struggles Pregnancy weight never lost Tried 30 diets before age 37 Health issues: hospitalizations for chest pain, prediabetes, PCOS, heart murmur, and more Coping mechanisms: alcohol, overwork, nightly binge cycles   How Terry Overcame Weight Loss Worked with a coach which brought awareness on patterns Admitted patterns and habits  Realized problem was stress and coping mechanisms Learned to ask: “Am I hungry, or am I coping?”   THOR: The House of Rose Retreat center in Tennessee surrounded by roses Represents loving and honoring the body as sacred ROSE = love, divine, highest frequency flower THOR = strength + femininity → union of masculine & feminine energies What to expect? Yoga, massage, hiking, nutrition, and coaching   Connect with Terry: Terry's Website - THOR: The House of Rose Instagram - @how.good.can.it.get Spotify - How Good Can It Get   Other Episodes You Might Like: Previous Episode - Muscle Mass and Strength Gains After Menopause How Much How Fast? Next Episode - 3 Steps to Improve Cardio Fitness and Longevity (at any age) More Like This Adrenal Fatigue Talk with the Hip Hop Energy Doc, Tricia Pingel Intermittent Fasting: Solution or Sabotage Emotional Eating? How Emotional Eating Can Be the Hidden Reason for Weight Gain Happier Hour | What Wine Time, Sober, and Sober-Minded Living Mean to Health   Resources: Flipping 50 Womens Retreats helps you step out of routine, challenge your body and mindset, and rediscover how you want to live midlife—supported by fitness, hormones, nutrition, and women just like you. Don't know where to start? Book your Discovery Call with Debra. Leave this session with insight into exactly what to do right now to make small changes, smart decisions about your exercise time and energy.   

Diversity, Equity, and Inclusion has become a critical framework for organisations striving to create more supportive environments for both current and prospective employees. As the competition for talent intensifies, firms are recognising the importance of addressing gaps in representation. Today's guest on CMO Series REPRESENTS is someone well-versed in driving meaningful change and is here to discuss why building a culture of belonging matters. Olivia Backon is joined by Paul Modley, AMS's Managing Director of Diversity, Equity, Inclusion, and Belonging.  Paul's journey has been powerful and inspiring, taking him from his working-class roots in Wales to the London 2012 Olympic and Paralympic Games, and now leading the charge at AMS where he has created a global Diversity, Equity, Inclusion, and Belonging Centre of Excellence to ensure that existing and emerging talent get the support, resources and recognition they deserve.  Paul and Olivia explore: The influence of Paul's upbringing in shaping his commitment to social mobility throughout his career How AMS has advanced its DEIB initiatives in response to global pivotal moments  The strategies AMS is implementing to elevate disability inclusion and neurodiversity within workplace conversations How AMS supports clients in navigating their own DEIB journeys while maintaining clarity and consistency in its internal strategy What genuine buy-in for DEIB looks like in practice Practical advice for organisations seeking to strengthen and embed a more impactful DEIB strategy

In a time when business leaders are navigating heightened political division, evolving workplace expectations, and the urgent call for inclusivity, understanding how to lead with purpose has never been more critical. On this episode of CMO Series REPRESENTS, Yasmin Zand is joined by Gina Rubel, CEO and General Counsel at Furia Rubel Communications. Their conversation explores the deep commitment to advocacy, DEI, and ethical relationship-building that has shaped Gina's leadership and the culture at Furia Rubel. Together, they delve into the forces behind Gina's passion, including her work with the Rule of Law Coalition, and examine how leaders can create truly safe and inclusive spaces in today's legal industry. Gina and Yasmin dive into: The steps CMOs and firm leaders must take to communicate effectively, internally and externally, amid political polarization The story behind the Rule of Law Coalition and its significance in today's climate Practical advice for legal marketers striving to lead with authenticity and purpose  

Attorney Keisha Russell represents a Grand Island teen denied parking spot design in a case of viewpoint discrimination full 294 Fri, 15 Aug 2025 08:20:00 +0000 82gOZBzvs1TCBKgOTC5JefYPanyqLEVb news & politics,news WBEN Extras news & politics,news Attorney Keisha Russell represents a Grand Island teen denied parking spot design in a case of viewpoint discrimination Archive of various reports and news events 2024 © 2021 Audacy, Inc. News & Politics News False

In Episode 90 of The Kershner Files, Dave provides some current events news that effects the preparedness minded everywhere. These topics include new draconian Canadian measures, UK PM recycling zodiac's back to France, and general lunacy. After those, he delves into the usual Survival Realty, Gun Shows, and conferences & convention information. The remainder of the show is spent discussing our pending financial collapse doom. Articles/topics discussed: Two Rivers Outfitter - The Premiere Online Preparedness Store DesignsbyDandTStore - Dave's Etsy Shop for fun clothing options Spot Prices for Gold (Au) and Silver (Ag) - from the davidjkershner.com website Survival Realty - featured properties and new listings State-by-State Gun Shows - from the davidjkershner.com website Conferences and Conventions - from the davidjkershner.com website Trump claims another border victory after Biden auctioned wall materials for rock-bottom prices by Candace Hathaway from Blaze Media Support Dave by visiting his new website at Two Rivers Outfitter for all of your preparedness needs and you can also visit his Etsy shop at DesignsbyDandTStore for fun clothing and merchandise options. Two Rivers Outfitter merchandise is available on both the Two Rivers Outfitter and the davidjkershner.com websites. Available for Purchase - Fiction: When Rome Stumbles | Hannibal is at the Gates | By the Dawn's Early Light | Colder Weather | A Time for Reckoning (paperback versions) | Fiction Series (paperback) | Fiction Series (audio) Available for Purchase - Non-Fiction: Preparing to Prepare (electronic/paperback) | Home Remedies (electronic/paperback) | Just a Small Gathering (paperback) | Just a Small Gathering (electronic)

Send us a textThe Maison Barboulot Chardonnay Viognier 2024 from Trader Joe's defies its $5.99 price tag with impressive flavor complexity and balance. This French wine from the Languedoc region combines Chardonnay (60%) and Viognier (40%) to create a refreshing, aromatic white that tastes far more expensive than it is.• Unique "old style French broadside" label with playful sayings gives the bottle character• Blend of 60% Chardonnay and 40% Viognier creates exceptional aromatics and flavor• Unoaked style (no malolactic fermentation) preserves fresh fruit flavors• Flavor profile includes white peach, coconut milk, green apple, and tropical fruit finish• 13% alcohol content is relatively modest by today's standards• IGP Vin de Pays designation from the foothills of the Black Mountains• 2024 vintage means it should be consumed within a year• Responds well to chilling, which enhances its refreshing qualities• Represents exceptional value that proves price doesn't always indicate qualityKeep it cheap, and I'll be talking to everybody in a couple of days with some red wine reviews coming up next.Check us out at www.cheapwinefinder.comor email us at podcast@cheapwinefinder.com

 In this insightful episode, we welcome Mark Nara, a renowned tattoo artist, to discuss the profound impact of tattoos and the journey of personal transformation. Mark shares his journey of how he discovered the host through a mutual acquaintance and their evolving friendship, leading up to this podcast. They delve into Mark's colorful history, struggles with mental health, and the powerful moments that catalyzed his personal growth. Mark elaborates on the significant impact of tattoos in telling one's life story and how his work is deeply tied to personal and spiritual insights. The episode also covers the dynamics of fatherhood, the importance of clear communication, and the profound changes that come with deeply meaningful tattoos. Join us as we explore the deep, transformative world of tattoos and personal growth with Mark Nara.00:00 Introduction and Initial Connection01:31 Diving into Personal History02:15 Struggles with Alcohol and Self-Acceptance08:47 Tattooing and Weekend Binge Culture11:19 Exploring Meditation and Psychedelics22:22 Parenting Reflections and Communication28:21 Curiosity and Tattoo Stories30:33 The Meaning Behind Tattoos31:05 The Process of Choosing a Tattoo31:59 External vs. Internal Influences34:00 Tattoo Placement and Significance35:02 The Pathfinder Method37:16 Tattoo Industry Insights39:12 Personal Tattoo Journeys42:21 The Importance of Intentional Tattooing49:51 Mapping and Covering Tattoos55:33 Reflecting on the Tattoo Journey56:50 Final Thoughts and Reflections

Visit: RadioLawTalk.com for information & full episodes! Follow us on Facebook: bit.ly/RLTFacebook Follow us on Twitter: bit.ly/RLTTwitter Follow us on Instagram: bit.ly/RLTInstagram Subscribe to our YouTube channel: www.youtube.com/channel/UC3Owf1BEB-klmtD_92-uqzg Your Radio Law Talk hosts are exceptional attorneys and love what they do! They take breaks from their day jobs and make time for Radio Law Talk so that the rest of the country can enjoy the law like they do. Follow Radio Law Talk on Youtube, Facebook, Twitter & Instagram!

On this episode of CMO Series Represents, Yasmin Zand is joined by Ioana Good, founder of Promova, for a conversation that's as inspiring as it is insightful. Ioana's journey began when she left Romania for the U.S. with just two suitcases and limited English. What followed was a path defined by resilience, self-education, and an unwavering commitment to growth. From navigating the challenges of a new culture to transitioning from the newsroom to the boardroom, Ioana shares how each experience helped shape her into the leader and communicator she is today. In this episode, Ioana discusses: The challenges of building a life and career in a new country How she discovered and refined her voice as a communicator The transition from journalism to executive leadership Blending strategy, storytelling, and purpose to create real impact Whether you're early in your career, building your own business, or simply seeking inspiration to take your next big step, Ioana's story offers valuable lessons in owning your narrative and leading with authenticity.

In today's episode, we spoke with Joshua K. Sabari, MD, about the use of telisotuzumab vedotin-tllv (Emrelis) in patients with c-MET–overexpressing, nonsquamous, EGFR wild-type advanced non–small cell lung cancer (NSCLC). Dr Sabari is an assistant professor in the Department of Medicine at the New York University Grossman School of Medicine; as well as the director of High Reliability Organization Initiatives at the Perlmutter Cancer Center in New York.  In our exclusive interview, Dr Sabari highlighted key data from the phase 2 LUMINOSITY study (NCT03539536) investigating telisotuzumab vedotin in this patient population, the significance of targeting c-Met overexpression, and how findings from the ongoing phase 2 TeliMET NSCLC-04 trial (NCT06568939) of telisotuzumab vedotin in patients with c-Met–overexpressing, locally advanced or metastatic nonsquamous NSCLC may further influence the NSCLC treatment paradigm. 

Tommy talks to Stephanie Riegel about the archdiocese of New Orleans and their settlement plan.

"Each Seabridge Gold Share Represents $9,000 In-Situ Metal, Yet Trades for $16” says CEO Rudi Fronk in this MSE episode. Seabridge Gold presents an extraordinary tripartite value argument to investors claiming to offer: 1) more value per share than any other publicly traded metal producer; 2) the most gold per share of any public company; and 3) more copper per share than any other copper focused exploration and mining company. In this MSE episode, host Bill Powers interviews Rudi Fronk about his mining career, key lessons learned and the investment thesis behind Seabridge. Rudi recounts his early education in mining and finance at Columbia University, the lessons he learned from the multifold challenges faced by Greenstone Resources while he was at the helm, and how these experiences shaped his approach at Seabridge. He emphasizes Seabridge's guiding principles such as avoiding political risk, never building mines themselves, and focusing on gold ounce per share growth. The conversation also delves into two significant near-term milestones for Seabridge, including resolving a nuisance claim and announcing the joint venture partner for the KSM project. Rudi shares insights on the gold market, the company's strategic approach, and his commitment to Seabridge's long-term success. 0:00 Intro 0:54 Career path 4:04 What Rudi did wrong at Greenstone Resources 6:07 Seabridge Gold: Rudi's second chance 7:37 “I'm a control freak” 8:20 Seabridge: the most gold per share 10:22 Why the share price discount? 11:30 Two main catalysts 12:49 Courageous Lake spinout 15:27 Gold miner value destruction 17:40 Shareholders: listen to or ignore? 21:00 Investment thesis never changed 21:51 Stars aligning 26:05 JV partner announcement 27:58 Liquidation value? 29:01 $12,000/oz gold? 31:51 Rudi's retirement https://www.seabridgegold.com/ TSX:SEA NYSE:SA Sign up for our free newsletter and receive interview transcripts, stock profiles and investment ideas: http://eepurl.com/cHxJ39 This interview was not sponsored. Mining Stock Education (MSE) offers informational content based on available data but it does not constitute investment, tax, or legal advice. It may not be appropriate for all situations or objectives. Readers and listeners should seek professional advice, make independent investigations and assessments before investing. MSE does not guarantee the accuracy or completeness of its content and should not be solely relied upon for investment decisions. MSE and its owner may hold financial interests in the companies discussed and can trade such securities without notice. If you buy stock in a company featured on MSE, for your own protection, you should assume that it is MSE's owner personally selling you that stock. MSE is biased towards its advertising sponsors which make this platform possible. MSE is not liable for representations, warranties, or omissions in its content. By accessing MSE content, users agree that MSE and its affiliates bear no liability related to the information provided or the investment decisions you make. Full disclaimer: https://www.miningstockeducation.com/disclaimer/

In today's episode, supported by Coherus BioSciences, we had the pleasure of speaking with Justine Bruce, MD, about the ongoing evolution of nasopharyngeal carcinoma management. Dr Bruce is a faculty member in the Division of Hematology, Medical Oncology and Palliative Care within the Department of Medicine at the University of Wisconsin, as well as the director of the VA Medical Oncology Clinical Research Program and chair of the Protocol Review and Monitoring Committee at the University of Wisconsin Carbone Cancer Center in Madison. In our exclusive interview, Dr Bruce discussed evolving treatment strategies for nasopharyngeal cancer, emphasizing the shift from chemoradiation followed by adjuvant chemotherapy to induction chemotherapy with gemcitabine and cisplatin. She also noted how toripalimab-tpzi (Loqtorzi) combined with gemcitabine and cisplatin showed improved overall survival (OS) in the first-line setting in the phase 3 JUPITER-02 trial (NCT03581786). Bruce also expressed her preference for OS as the gold standard for determining the efficacy of nasopharyngeal cancer treatments and noted the need for more US-based trials to reflect the local patient population.

In Hour 1, the WIP Midday Show, live from Jason Kelce's Beer Bowl, is reacting to the Sixers selecting V.J. Edgecombe with the 3rd pick of the NBA Draft last night. The midday show believes this pick represents hope for both the future and present of Sixers basketball. Plus, Ross Tucker joins the show before competing in Jason Kelce's Beer Bowl!

Daily Meditation Our nation’s flag is more than a piece of fabric—it is a symbol of liberty, justice, and unity, echoing the values and sacrifices that built the United States. In this patriotic devotional, Lynette Kittle reflects on the historical and spiritual significance of the American flag, particularly as we commemorate Flag Day on June 14. Drawing from Isaiah 18:3 and the founding ideals of our country, this prayerful message reminds us that honoring the flag is also about honoring the godly principles of freedom, dignity, and truth that shaped the nation. Whether you come from a military family, a history-loving home, or are simply moved by the red, white, and blue, this devotional encourages you to pause and give thanks for what the flag represents—and for the God who grants true freedom.

When you hear a New Zealand accent, what do you try and do? I try to figure is it Aussi or English? Maybe South African. Regardless of where you land with this interpretation, you always settle into a nice comfort zone with New Zealanders. There is a certain warmth and instant camaraderie.  Tiraki wines are new to the United States and it was an honor to sit with Josh and hear his plans. On today's episode of Wine Talks, I sat down with Josh Hammond of Teraki Wines, who's redefining what it means to build a family wine brand with global reach. We dove into the challenges of launching in the US market, how sustainable and organic farming are at the heart of New Zealand wine, and why authentic storytelling and quality are key to standing out in a crowded industry. If you're passionate about entrepreneurship and the future of wine, this is a conversation you don't want to miss. ✅ Ever wondered how a Kiwi winemaker broke into 32 countries—including China and the U.S.—in just 5 years? ✅ Paul Kalemkiarian sits down with Josh Hammond of Taraki Wines on the latest "Wine Talks" for an insider's look at the hustle behind global wine sales, sustainability, and family legacy. ✅ From farming sheep in New Zealand to launching a premium wine brand during lockdown, discover what it takes to stand out in the world's toughest markets. ✅ Find out why making truly great wine is only half the battle—and why the human connection is what really matters. Listen now for the full story!

Preview: Colleague Cleo Paskal reports from Micronesia in the Pacific that the PRC is building an airfield (former Imperial Japanese field) that represents a strategic position in the event of war 2027. More later. YAP 1899

Trump stirs outrage by suggesting Alcatraz be reopened for violent criminals and illegal immigrants. While critics call it absurd and symbolic trolling, supporters argue it could serve as a fear-based deterrent. The panel debates the real motives behind the bold statement.

Ilhan Omar represents Minnesota with the utmost class. New fraud of the day. Mpls will now include weight and height as civil rights protections. Johnny Heidt with guitar news. Reusse with his weekly sports report. Heard On The Show: Death toll from Tuesday shooting in Minneapolis rises to 4, suspect formally charged Singer Jill Sobule, known for ‘I Kissed a Girl', found dead inside Woodbury house fire It'll soon be against the law in Minneapolis to discriminate against weight, joining only handful of cities Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ilhan Omar represents Minnesota with the utmost class. New fraud of the day. Mpls will now include weight and height as civil rights protections. Johnny Heidt with guitar news. Reusse with his weekly sports report. Heard On The Show: Death toll from Tuesday shooting in Minneapolis rises to 4, suspect formally charged Singer Jill Sobule, known for ‘I Kissed a Girl', found dead inside Woodbury house fire It'll soon be against the law in Minneapolis to discriminate against weight, joining only handful of cities Learn more about your ad choices. Visit podcastchoices.com/adchoices

Listen to this week's episode of the Dateline: True Crime Weekly podcast with Andrea Canning. In Los Angeles, the trial of Monica Sementilli, who is accused of plotting with her lover to murder her husband, winds down. In Arizona, Lori Vallow Daybell defends herself against charges she conspired to murder her fourth husband. Updates in the Karen Read retrial and Sean Combs' case. Plus, a look at defendants who represent themselves. Find out more about the cases each week here: www.datelinetruecrimeweekly.com. Listen to Andrea's episode “Deadly Obsession” about the Dana Chandler case here: https://podcasts.apple.com/us/podcast/deadly-obsession/id1464919521?i=1000702589964Vote on the Webby Awards: https://vote.webbyawards.com/PublicVoting#/2025/podcasts/shows/crime-justice

Preview: Colleague Gregory Copley cheers King Charles's visit to Rome, and what it represents for British ambitions. 1573

PREVIEW: Colleague Brandon Weichert discusses Silicon Valley's concerns that superintelligent AI represents an existential threat. More later. 1958