Podcasts about Santa Ana

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Best podcasts about Santa Ana

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Latest podcast episodes about Santa Ana

Guilt Grace Gratitude
#BESTOF(1): J. Ligon Duncan | Covenant in the Early Church

Guilt Grace Gratitude

Play Episode Listen Later Sep 26, 2022 67:08


Looking for a Reformed Church in Orange County? Check out Santa Ana Reformed (a United Reformed Church plant) meeting Sundays at 2 PM at Davis Elementary School in Santa Ana! Contact us: santaanareformed@gmail.com Please help support the show on our Patreon Page! Check out the ESBT Series & NSBT Series from IVP Academic! Get a copy of the Family Worship Bible Study, The Works of William Perkins, & the RHB Store! Join Logos Bible Software for just $49! Go to logos.com/guiltgrace to begin. #BESTOF SEASON 3: PROMISES & FULFILLMENT #1 Join Nick & Peter for their discussion on Covenant in the Early Church, Chapter 14 of Reformed Theological Seminary's Crossway volume, Covenant Theology. Dr. J. Ligon Duncan III (PhD., University of Edinburgh) is the Chancellor & CEO of Reformed Theological Seminary and the John E. Richards Professor of Systematic & Historical Theology at Reformed Theological Seminary in Jackson, Mississippi. Have Feedback or Questions? Email us at: guiltgracepod@gmail.com Find us on Instagram: @guiltgracepod Follow us on Twitter: @guiltgracepod Find us on YouTube: Guilt Grace Gratitude Podcast Please rate and subscribe to the podcast on whatever platform you use! Looking for a Reformed Church? North American Presbyterian & Reformed Churches --- Support this podcast: https://anchor.fm/gggpodcast/support

Guilt Grace Gratitude
Belgic Confession Article 37 | The Last Judgment

Guilt Grace Gratitude

Play Episode Listen Later Sep 24, 2022 6:50


Looking for a Reformed Church in Orange County? Check out Santa Ana Reformed (a United Reformed Church plant) meeting Sundays at 2 PM at Davis Elementary School in Santa Ana. Please help support the show on our Patreon Page! Welcome to Article 37 of the Belgic Confession! What will happen at the Last Judgment? Listen in! Want to follow along week-to-week? Belgic Confession Have Feedback or Questions? Email us at: guiltgracepod@gmail.com Find us on Instagram: @guiltgracepod Follow us on Twitter: @guiltgracepod Watch the video on YouTube: Guilt Grace Gratitude Podcast Please rate and subscribe to the podcast on whatever platform you use! Looking for a Reformed Church? North American Presbyterian & Reformed Churches --- Support this podcast: https://anchor.fm/gggpodcast/support

Tim Conway Jr. on Demand
Hour 3 | Stop The Hammering @ConwayShow

Tim Conway Jr. on Demand

Play Episode Listen Later Sep 23, 2022 37:34


Quiet Quitting v Quiet Firing! Two fulltime jobs / Two Families // Walmart hiring 40K seasonal / Walmart pick up v delivery / Drone drop off // Lawrence ODonnell "stop the hammering" Tik Tok no political ads / Operation Santa Ana / Homeless Recount / Housing Impact w Rates / Refinancing // Sheriff Debate / Jay Leno visits Elon Musk Space X

EWTN PRO-LIFE WEEKLY
2022-09-23 - EWTN Pro-Life Weekly | FULL EPISODE – September 22, 2022

EWTN PRO-LIFE WEEKLY

Play Episode Listen Later Sep 23, 2022 30:00


This week, Prudence Robertson reports from EWTN's west coast studio in Southern California, where Live Action's Annual Awards Gala took place. We spoke with Lila Rose and award recipients about the limitless opportunity of the pro-life movement. Dr. Michael New of the Charlotte Lozier Institute joins us to analyze Planned Parenthood's recently released annual death report. President of March for Life Jeanne Mancini joins us with the details of this week's Pennsylvania March for Life, which brought together thousands of people in the capital of the commonwealth. And in more California news, Governor Gavin Newsom and Democrat leaders have turned the Golden State into the #1 abortion importer in the country. But, there is still hope. Megan Morris, Director of the Life Center of Santa Ana, joins us to share that pro-life Californians are not giving up on expectant mothers and their babies. EWTN Pro-life Weekly with Prudence Robertson airs every Thursday night at 10 PM ET and re-airs on Sundays at 10:30am ET and Tuesdays at 1:30pm ET.

Guilt Grace Gratitude
Tim Challies | Seasons of Sorrow

Guilt Grace Gratitude

Play Episode Listen Later Sep 22, 2022 47:27


Looking for a Reformed Church in Orange County? Check out Santa Ana Reformed (a United Reformed Church plant) meeting Sundays at 2 PM at Davis Elementary School in Santa Ana! Contact us: santaanareformed@gmail.com Please help support the show on our Patreon Page! Check out the ESBT Series & NSBT Series from IVP Academic! Get a copy of the Family Worship Bible Study, The Works of William Perkins, & the RHB Store! Sign up with Logos Bible Software to receive a Free Book every month! Go to logos.com/guiltgrace to begin. WELCOME TO BOOK CLUB! A pastor at Grace Fellowship Church, noted speaker, and author of numerous articles, Tim Challies is a pioneer in the Christian blogosphere. Tens of thousands of people visit Challies.com each day, making it one of the most widely read and recognized Christian blogs in the world. Tim is the author of several books, including Visual Theology and Epic: An Around-the-World Journey through Christian History. He and his family reside near Toronto, Ontario. We want to thank Zondervan for their help in setting up this interview and providing us with the necessary materials to interview Tim Purchase the book(s) here: Seasons of Sorrow: The Pain of Loss and the Comfort of God Have Feedback or Questions? Email us at: guiltgracepod@gmail.com Find us on Instagram: @guiltgracepod Follow us on Twitter: @guiltgracepod Find us on YouTube: Guilt Grace Gratitude Podcast Please rate and subscribe to the podcast on whatever platform you use! Looking for a Reformed Church? North American Presbyterian & Reformed Churches --- Support this podcast: https://anchor.fm/gggpodcast/support

Christian Podcast Community
SPECIAL (007) – Grounded in the Gospel (Galatians 1:1-10) – Peter Bell – Santa Ana, CA

Christian Podcast Community

Play Episode Listen Later Sep 21, 2022


In this episode, Peter Bell unpacks Galatians 1:1-10 for his first sermon at Santa Ana Reformed Church. The gospel is a simple message about the life, death, burial, and resurrection of Jesus Christ the Lord. This gospel is the rock upon which the church stands. Tune in for Peter's encouragement from God's Word. Check out Santa Ana Reformed Church and listen to some more of Peter's sermons. If you're in the area, swing by and worship with them. Check out other churches in the United Reformed Churches in North America. Also, check out the Guilt Grace Gratitude podcast with Peter Bell and Nick Fullwiler. ALL SERMONS FROM OTHER PREACHERS AIRED ON SMALL TOWN THEOLOGIAN ARE USED WITH PERMISSION FROM THE PREACHERS.

Small Town Theologian
SPECIAL (007) - Grounded in the Gospel (Galatians 1:1-10) - Peter Bell - Santa Ana, CA

Small Town Theologian

Play Episode Listen Later Sep 21, 2022 29:27


In this episode, Peter Bell unpacks Galatians 1:1-10 for his first sermon at Santa Ana Reformed Church. The gospel is a simple message about the life, death, burial, and resurrection of Jesus Christ the Lord. This gospel is the rock upon which the church stands. Tune in for Peter's encouragement from God's Word. Check out Santa Ana Reformed Church and listen to some more of Peter's sermons. If you're in the area, swing by and worship with them. Check out other churches in the United Reformed Churches in North America. Also, check out the Guilt Grace Gratitude podcast with Peter Bell and Nick Fullwiler. ALL SERMONS FROM OTHER PREACHERS AIRED ON SMALL TOWN THEOLOGIAN ARE USED WITH PERMISSION FROM THE PREACHERS.

Chicano Shuffle
255 - Five Years

Chicano Shuffle

Play Episode Listen Later Sep 20, 2022 126:01


So, five years. The wood anniversary. Easily more than 500 hours of discussions and pendejadas. A little bit crazy. Thanks raza for all the support and motivation to keep it going this long, we truly appreciate it. Let's keep it going! If you'd like to join us to celebrate... the pachanga will be at the Mission Bar in Santa Ana, Ca on October 14th! Link to tickets below: https://www.eventbrite.com/e/420115425547/

The Pool Guy Podcast Show
Major Wind Event Pool Pro Tips

The Pool Guy Podcast Show

Play Episode Listen Later Sep 19, 2022 22:16


We get the Santa Ana winds in my area every October through February and you may also have some wind events in your area during different parts of the year. As a pool pro, you have a lot of pools to clean and some if not all may look completely trashed. Here are some tips on making it through the aftermath of a wind stormLeslie's Pro: Pool Service Pro, open a Wholesale account today! Customer referrals, free cleaner repairs, free water testing, open 7-days a week. It is fast and easy to become a Leslie's Preferred Pool Care Provider. https://lesliespool.com/commercial-services.html/?utm_medium=referral&utm_source=spll&utm_campaign=spll

Guilt Grace Gratitude
#BESTOF(2): Ancient Near Eastern Backgrounds to Covenant

Guilt Grace Gratitude

Play Episode Listen Later Sep 19, 2022 69:16


Looking for a Reformed Church in Orange County? Check out Santa Ana Reformed (a United Reformed Church plant) meeting Sundays at 2 PM at Davis Elementary School in Santa Ana! Contact us: santaanareformed@gmail.com Please help support the show on our Patreon Page! Check out the ESBT Series & NSBT Series from IVP Academic! Get a copy of the Family Worship Bible Study, The Works of William Perkins, & the RHB Store! Join Logos Bible Software for just $49! Go to logos.com/guiltgrace to begin. #BESTOF SEASON 3: PROMISES & FULFILLMENT #2 Join Nick & Peter for their discussion on Ancient Near Eastern Backgrounds to Covenant, Chapter 21 of Reformed Theological Seminary's Crossway volume, Covenant Theology. Have Feedback or Questions? Email us at: guiltgracepod@gmail.com Find us on Instagram: @guiltgracepod Follow us on Twitter: @guiltgracepod Find us on YouTube: Guilt Grace Gratitude Podcast Please rate and subscribe to the podcast on whatever platform you use! Looking for a Reformed Church? North American Presbyterian & Reformed Churches --- Support this podcast: https://anchor.fm/gggpodcast/support

Guilt Grace Gratitude
Belgic Confession Article 36 | The Civil Government

Guilt Grace Gratitude

Play Episode Listen Later Sep 17, 2022 9:17


Looking for a Reformed Church in Orange County? Check out Santa Ana Reformed (a United Reformed Church plant) meeting Sundays at 2 PM at Davis Elementary School in Santa Ana. Please help support the show on our Patreon Page! Welcome to Article 36 of the Belgic Confession! How does God rule his Two Kingdoms? Listen in! Want to follow along week-to-week? Belgic Confession Have Feedback or Questions? Email us at: guiltgracepod@gmail.com Find us on Instagram: @guiltgracepod Follow us on Twitter: @guiltgracepod Watch the video on YouTube: Guilt Grace Gratitude Podcast Please rate and subscribe to the podcast on whatever platform you use! Looking for a Reformed Church? North American Presbyterian & Reformed Churches --- Support this podcast: https://anchor.fm/gggpodcast/support

Urbana Play 104.3 FM
#Perros2022 - Pluzito y Taty SantaAna sobre #RapDigital2022: "El rap pasó de la calle a las redes"

Urbana Play 104.3 FM

Play Episode Listen Later Sep 16, 2022 19:30


¡Escuchá la columna completa de Ari Hergott! --- Send in a voice message: https://anchor.fm/urbanaplayfm/message

Cannabis Talk 101
Swerve that DUI with Sennett Devermont AKA Mr. Checkpoint, Owner & Founder of MR. CHECKPOINT & Santa Ana City Council member Johnathan Ryan Hernandez!

Cannabis Talk 101

Play Episode Listen Later Sep 16, 2022 77:28


SINCE 2011, MR. CHECKPOINT HAS BEEN HELPING DETER DRUNK DRIVING & ENCOURAGING PUBLIC SAFETY BY PUBLICIZING DUI CHECKPOINTS IN 25 STATES NATIONWIDE. MR. CHECKPOINT HAS RECEIVED PRAISE & SUPPORT FROM MANY ORGANIZATIONS & AGENCIES INCLUDING THE LAPD, BEVERLY HILLS PD, MOTHERS AGAINST DRUNK DRIVERS, & SEVERAL LOCAL POLICE DEPARTMENTS ALL OVER THE COUNTRY. IF SUBSCRIBED TO THE APP, PATREON, OR JUST FOLLOW HIS SOCIAL MEDIA, SUBSCRIBERS RECEIVE BOTH DUI CHECKPOINT & SPEEDTRAP NOTIFICATIONS AS WELL AS DISCOUNTS TO LOCAL SPONSORS THAT INCLUDE SHUTTLE RIDES, DESIGNATED DRIVERS, AFFORDABLE AUTO INSURANCE, ETC. MR. CHECKPOINT IS CREATING SAFER COMMUNITIES THROUGH EDUCATION, TRANSPARENCY, AND ACCOUNTABILITY. HE ALSO ACTS AS A CONSTANT REMINDER TO ALWAYS FILM THE POLICE SO THAT GOOD OFFICERS GET RECOGNITION AND BAD OFFICERS CAN BE HELD ACCOUNTABLE. MR. JOHNATHAN HERNANDEZ SANTA ANA CITY COUNCIL MEMBER. HE REPRESENTS WARD 5 IN SANTA ANA. SANTA ANA WAS THE 1ST CITY TO LEGALIZE CANNABIS IN ORANGE COUNTY. HIS COUSIN IS BRANDON LOPEZ, WHO WAS UNARMED AND TRAGICALLY MURDERED BY ANAHEIM PD, ON SEPTEMBER 28TH OF 2021. ON SEPTEMBER 24TH AT THE BLUE LOT N SANTA ANA, THEY ARE HAVING A CONCERT FOR ALL AGES. THIS IS FOR IMPACTED FAMILIES OF POLICE VIOLENCE. SPEAKERS ARE FRED HAMPTON JR, AND FAMILIES OF JACOB BLAKE, BRIANNA TAYLOR AND MANY MORE UNFORTUNATELY. See omnystudio.com/listener for privacy information.

Guilt Grace Gratitude
Justin & Lindsey Holcomb | Doctrine of Creation, Image of God, and Babies

Guilt Grace Gratitude

Play Episode Listen Later Sep 15, 2022 74:12


Looking for a Reformed Church in Orange County? Check out Santa Ana Reformed (a United Reformed Church plant) meeting Sundays at 2 PM at Davis Elementary School in Santa Ana! Contact us: santaanareformed@gmail.com Please help support the show on our Patreon Page! Check out the ESBT Series & NSBT Series from IVP Academic! Get a copy of the Family Worship Bible Study, The Works of William Perkins, & the RHB Store! Sign up with Logos Bible Software to receive a Free Book every month! Go to logos.com/guiltgrace to begin. WELCOME TO BOOK CLUB! Justin Holcomb (PhD., Emory University) is an Episcopal priest who serves as Canon for Vocations in the Diocese of Central Florida, an adjunct professor at both Reformed Theological Seminary and Gordon-Conwell Theological Seminary, he also serves on the board of GRACE and is co-host of the popular White Horse Inn podcast, as well as a fellow of Theo Global. Lindsey A. Holcomb, MPH, works in a non-profit development and is an advocate for survivors of abuse. She is a former case manager at a sexual assault crisis center and a domestic violence shelter and is the cofounder of REST (Real Escape from Sex Trade). Lindsey is also the award-winning coauthor of God Made All of Me, God Made Me in His Image, God Made Babies, Is It My Fault?, and Rid of My Disgrace. Special thanks to New Growth Press! Purchase the book(s) here: God Made Babies God Made All of Me God Made Me in His Image Get in Contact! Email: guiltgracepod@gmail.com IG: @guiltgracepod Twitter: @guiltgracepod YouTube: Guilt Grace Gratitude Podcast Please rate and subscribe! --- Support this podcast: https://anchor.fm/gggpodcast/support

How to Scale Commercial Real Estate
Scalable Opportunities in Brokerage and Investment Route

How to Scale Commercial Real Estate

Play Episode Listen Later Sep 15, 2022 20:05


Chris is the founder of Skyline Commercial Real Estate Focused on advising clients regarding their multifamily assets - to maintain and build wealth and forge strong relationships across the Southern California investment market. He previously played professional baseball for multiple teams, reaching the Major Leagues with the Los Angeles Angels of Anaheim in 2009. Through hard work and dedication, Chris kept earning his way to the next level and achieved success at the highest level.   Tune in as he shares valuable strategies on how you could get the best deals for your real estate investments, and how he is able to maintain leads for his business which could be applicable to you too. [00:01 - 11:48] Finding Opportunities in Challenges A professional baseball player turned real estate investor The need for cashflow led him to focus on the brokerage instead of the investment route   [11:49 - 17:39] Things You Need to Know Before Buying A Real Estate Buying a unit? Chris shares a strategy to increase its value Regulatory environment for buyers Stay on top of your rents and increase when you can California has restrictive rent control. You need to be within the guidelines  Brand new investors must be comfortable with the cap rates knowing it is capital preservation The resilience of tenants to rent increases   [17:40 - 17:54] The Keys to Business Growth How to find motivated seller leads Emails and build and maintain relationships Chris on starting his own brokerage How to approach a broker as an investor Ask with no expectations   [17:55 - 20:45] Closing Segment The similarity between baseball and real estate is failure Reach out to Chris!  Links Below Final Words   -----------------------------------------------------------------------------   Tweetable Quotes: “When you start in the business, it's a grind.” - Chris Pettit   “If you're brokering and you're not owning, like, do you really believe in your product?” - Chris Pettit   Connect with Chris on LinkedIn and visit Skyline Commercial Real Estate for investment opportunities.   Connect with me:   I love helping others place money outside of traditional investments that both diversify a strategy and provide solid predictable returns.     Facebook   LinkedIn   Like, subscribe, and leave us a review on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on.  Thank you for tuning in!   Email me → sam@brickeninvestmentgroup.com Want to read the full show notes of the episode? Check it out below: Chris Pettit: [00:00:00] What took me, the brokerage drought was the ability to be entrepreneurial, grow your own business, do your own thing. And it's really, you eat what you kill. So whatever you're out there putting in, you're gonna make those returns.  Sam Wilson: Chris beta is a localized department, brokerage founder. He assists private clients with wealth, growth and preservation. He also has a background in baseball, investing in taxes, and as Chris puts it, he has all the bases covered. Chris, welcome to the show.  Chris Pettit: Hey Sam, thanks  Sam Wilson: for having me important in here. Absolutely. The pleasure's mine. There are three questions. Chris, ask every guest who comes in the show in 90 seconds or less. You tell me, where did you start? Where are you now? And  Chris Pettit: how did you get. Yeah, I was playing baseball and I joined a couple friends for some very small scale investments. Some single family houses out in it's called the Midwest. One of my friends said, Hey, I think this is a good idea. I said, well, why don't we pull some money [00:01:00] together? And we can buy a couple of these. So we did that learn more about. The real estate side of the business. My background's more on the finance side. So got to see some of the tax advantages, the depreciation, the cash flow, how it worked. Good hands on experience. Finished playing baseball and got into the brokerage business, local Southern California apartment brokerage, and really took me to where I am now. Just started this company a couple years ago with a couple partners and we're moving that forward. So  Sam Wilson: here. Man. That's really, really cool. So you're playing baseball professionally, and then you start investing in real estate. Were you guys buying single family stuff, buying multifamily? What, what were you guys buying?  Chris Pettit: Yeah, those were single family. And maybe a little bit of the misconception about playing professional baseball is not, everybody's making millions of dollars. So , I, I was not making a lot of money at that time, but I was saving money put away. So we were buying single family little bit in Dayton, Ohio, actually just kind of like bottom of the barrel type stuff for calf flow.  Sam Wilson: Got it. Got it. And when did you know you were onto something and you [00:02:00] said, all right, I'm onto something. And now I'm gonna scale into bigger assets. And I guess then of course, you know, , all the way to launching a, a brokerage, what  Chris Pettit: led you there? Well, seeing how the cashflow would work on a single family and then saving that up, being able to purchase another one, just purely based off of the cashflow you had gotten to date. And having the depreciation, the ride offs, the expenses, that type of thing, it was like, wow, you could kind of scale this a little bit. I didn't wanna try to make something huge there. And , you know, I wasn't didn't know all the tools that we have now, but once I got into the brokerage business, I realized, well, this actually is scalable. Seeing like a lot of things that my clients have done and how they've grown their portfolios. A lot of people just started from the ground up and individuals have large portfolio.  Sam Wilson: Yeah, absolutely. What took you to the brokerage route versus the investment route? Or  Chris Pettit: maybe there's both. You know, it's, it's both for me. I, I do believe in investing and the, the brokerage route is an avenue that you can get there. [00:03:00] Obviously you gotta make some money to be able to invest it. So I think that's probably what led me to the brokerage drought over other over say other jobs. What took me, the brokerage drought was the ability to be entrepreneurial, grow your own business, do your own thing. And it's really, you eat what you kill. So whatever you're out there putting in, you're gonna make those returns. Right, right. Yeah. So I saw the, I saw the upside for, in brokerage compared to just like a job.  Sam Wilson: Absolutely. Absolutely. and as things get extremely frosty in a, in a few different asset classes, I've oftentimes looked at it and I'm like, gosh, it's kind of a risk free way. And obviously you got your time, your capital, your investment on the front end of, you know, going out and finding opportunities and building your buyers list and all those things, but in its own, right, you're not putting down millions of dollars into these deals and going, gosh, I hope it works out. It's like, okay, once we get it across the finish line, it's kind of a risk pretty way of, of being involved in real estate. So I really really, really kind of liked that, especially in times of uncertainty. So that's really cool. Now you guys are [00:04:00] specializing in the Southern California market,  Chris Pettit: is that right? Yeah. Specifically Southern California and specifically apartment buildings. So it ranges the gamut from, you know, four units, which obviously is similar residential, but four to, 50, to a hundred. You know, there's a lot of smaller buildings in Southern California versus . Maybe some other areas. So there's a lot of 10 to 30 unit buildings out here.  Sam Wilson: From what I understand, there's not a lot of new supply coming online in your guys' market.  Chris Pettit: No, not at all. So the market we work, like I said, is let's call it four to 50 core market. And nobody's building those. Maybe there's a couple people building duplexes or fourplexes based on some new zoning, but the stuff that's getting built is 200 unit 300 unit, 400 unit class, a right in the core business districts on these main drags. And those are just not competitors for the type of product that. Are seeing our investors focus  Sam Wilson: on. Right? So tell me about the opportunity right now in your market.  Chris Pettit: So a little bit of the difference in our market versus [00:05:00] other markets is, is such a core market, specifically orange county, LA county, San Diego county being core markets. You can't, like you said, no more supply and someone who wants to preserve capital. Yeah. You might look at the cab rates. They're very compressed, but they're staying compressed. They're not, they're not changing. And rents are flying. Some of that to do with the back end of rent control, but rents are really flying up. So there's no supply, there's no rental supply. And then the class a stuff that's coming out is being priced to the moon on the rental side. So any, any nice property, that's a little bit lower density living for a tenant. They're gonna wanna come in and happy to pay a good amount of rent there just to live in the location that, that they wanna live in. And I don't see that changing just due to the supply, like demand and supply. So the opportunity is purely more preservation rather than say. You might be like, oh, let me go out. I can see this quick flip over here in this hot market. You know, I wouldn't call us like a hot type market or cold market obvious.  Sam Wilson: So what's a strategy then for a buyer. I mean, you know, they're, they're buying something [00:06:00] four to 50 units, Southern California. It might be a rent control. I don't, I don't know exactly how rent control work if that's by county, if that's by building, if that's, maybe you can even give us some, you know, lightness on that, but what is the buyer? What is the person you're representing? What are they thinking when they buy a building? What's their strategy for  Chris Pettit: how to increase value? So their strategy's gonna be growth and appreciation, and you're gonna get there just through the natural and pushed rent growth. The overriding it's a state rent control policy, max of 10%. It's not terrible. Obviously. Sometimes if people are behind then, because an owner's own the building a long time, there is a lot more upside there. Yeah, the strategy is just to come in, purchase the building, get the rents up to market, improve the property a little bit. And not that it's gonna be a significant, like I said, flip, but you're gonna have the value. You're gonna have the value earned in the property and the significant rents providing more cash flow. And you're gonna be, you're also able to get pretty much [00:07:00] core.  Sam Wilson: what's it like when you buy a building? And again, I'm asking just as it, as it pertains to more the regulatory side of things there in California, which is a lot of what investors are afraid of. I think mm-hmm oh man. You know, and, and we hear it. I think, I think it gets a bad rap because obviously you're there and you have clients there making money. You're there making money. I've got friends out there making money in the apartment space in Southern California. And I hear it, hear it all the time. We don't invest in California. But what does, which I think is kind of, again, it, it's kind of a, just a, it's probably a bad statement cuz obviously there's opportunity there. But what's somebody doing when they buy a building from a regulatory and from like a rehab standpoint, like what can they expect? What are the challenges there? Do those challenges, present opportunity. Talk to me about  Chris Pettit: that a little bit. Yeah. Completely understand the regulatory side and a lot of our clients and owners have some of the same feelings. Like they're not saying I won't invest here, but because they already own here. They're saying, oh, I'm not sure about how this regulatory environment is gonna be for, for landlords, which is a fair thought. So part of [00:08:00] our deal, our job is educating them on what the latest government requirements are gonna be that are coming down the pipeline. We don't really have a say in those things. So it's, it's just keeping them up to date. And how do you navigate that? The biggest thing you can do is stay on top of your rents and increase them when you're, when you can once a year and not, not fall behind. If you're buying a building today, it's not, it's not crazy. I mean, we don't really market to say out-of-state buyers. Like California's a, our buyer pool is the buyers that own in the market that live here and that's the people. Like they wouldn't say, oh, I don't, they already own here. And they live here, so right. California's gonna get you for taxes either way, whether, you know, if you're gonna do both. So if you're gonna live here and you wanna own here, maybe you wanna drive by your building. Maybe that makes sense. But just in order to get there, there's no like crazy regulatory requirements. When you purchase an investment property, you go buy an apartment, building a 10 unit down the. Nothing crazy. But if you do wanna do some rehabs or some or raise rents, you just need to be within the guidelines. And, and they're [00:09:00] really not outside of a couple areas. You know, city of LA is very restrictive. Santa Monica has restricted rent control, Santa Ana and there city, certain cities do have up above and beyond requirements. And those are the cities that people are. Either navigate away from, but like you said, there's still a lot of people that maybe not a lot, there's people that will make money in those areas. And they're more experts in navigating that local environment.  Sam Wilson: What do you say to somebody that maybe is a brand new investor to your market? Where do you start them?  Chris Pettit: I would start 'em with the sense of. You need to be comfortable with with the cap rates, let's call it, you know, three and a half to four and a half. When now it's probably generous, but you know, you, you have to be comfortable knowing that this is capital preservation. And if you're, if you're buying here, you're gonna start a three, three and a half and push that up quickly to. You know, four, four and a half on your numbers, and it's not something that you're gonna be making this huge pop on right away. But you, you are gonna [00:10:00] make those gains and rents are gonna go say, they go 10% this year, 10% next year. They're a little bit behind. Then you, you will catch up and you'll have the value and it's gonna be safe. It's, it's a safety play really, but we don't work with too many new investors. I mean, you know, , I live here, I invest here. I don't have a, an issue with that for me. It's I want to be, I'd rather rather own good real estate and good locations. And it's not, about today's cash flow for.  Sam Wilson: Yeah, that's a good point. You know, and that's a lot of, that's a lot of what people are looking for is that big pop. So I guess just reframing the investor expectation. Like, Hey, you're coming into this market. You are, this is a safety play. I think, as you put it, it's not, you're not here to, to hit, hit your home run. You're here to preserve capital. What is I, I, if a landlord is behind, let's say it's a legacy owner. They haven't raised rents in 7, 8, 10 years. What is the tenant resiliency as it pertains to rent increases? Like do, [00:11:00] do, do we see a lot of buildings go vacant once people are like, Hey, we're raising rents 10, 10% this year, you were at 2000 bucks. Now you're at 2200 next year. You're gonna be at, you know, 44 20. What's that? How  Chris Pettit: does that work out? Yeah, not really. I mean, a legacy owner who's fallen behind or just chosen , to do that because they don't need the extra cash flow. Right. New owner comes in. Goes 10% people don't budge. It's not, it's not enough because the building on the streets rent convert $500 more than that, you know? , some people will move and you get natural movement. It's not too restrictive. And then you, you may be able to move people out for some renovations, but that's a little bit dependent on the, the.  Sam Wilson: Right, right. That's really, really cool. Tell me about finding sellers. I mean, that's obviously the, the two things we need in this in this real estate are deals and money. How are you guys finding  Chris Pettit: sellers? Yeah. On our, on the, on the business side, I mean, we just do a lot of consistent calling and emails and touching base with people. It's a very consistent group of people that we're [00:12:00] talking to, the owners that are local, just trying to build that relationship. And there's not a lot. Let's say people that are just oblivious to what's going on. A lot of people know what's going on relatively. And we, we just want to talk to 'em and see, Hey, is, you know, are you ready to go? Are you ready to sell today? Or what's your impetus to sell? These are mostly long term holds for people long term legacy ownership. And as we know, those are great deals to buy and the most opportunity for upside. And so sometimes it's like building family relationships whenever their family. Whenever that time comes to pass it down along the family, things like that. I mean, you know, the time comes for every. , but this is not a short term lo short term game, as far as location goes, you know, you gotta put in the time, build the relationships here. Yeah.  Sam Wilson: Yeah. And that's true, you know, that's true. I think in, in any market, there's not a, there's not a nuance there necessarily defining sellers. It, it sounds like you guys are grinding it out, just like everybody else when it comes to to  Chris Pettit: deal flow. Yeah, absolutely. I mean, we are, [00:13:00] we have some younger guys and it's you know, that's, we don't pull any punches there. It's like, no, this is a grind. I mean, when you start in the business, it's a grind. I mean, we're still on the grind and that's what, that's really the only way you're, you're not gonna you're not gonna miss, you know, blatant deals. Right? Tell  Sam Wilson: me about your team, building out your team. You said you have some younger guys on the team now, what's it been like building a brokerage and, you know, talk to us about that experience and some of the lessons maybe you've learned in that. Chris Pettit: Yeah. So it was just an opportunity that that presented itself for so myself and two partners. And we were working together before not necessarily doing deals together, but independently doing deals while working together. And so we thought, Hey, this is a great opportunity for us to build ourselves, where are we gonna be in five or 10 years? And, you know, maybe build out, build out some sort of a brokerage it's we're not trying to be this big brokerage house, but having some. More people talking and being able to collaborate on deals. I hear you say someone. Oh, Sam. Oh, what was that deal? You were talking about Sam. Like [00:14:00] maybe I, I might have somebody for that where you're, you're just thinking, I talked to this person that was like a waste of time. Right? They said something, but I, it didn't click for you, but I'm sitting over here like, oh, well, I it clicked for me and they let's, let's put a deal together. And so we're really trying to build. Team environment where obviously you're gonna get rewarded on something you bring in and we have, so we have two other guys that are just starting out in the business.  You know, they believe in owning real estate as well. And that's, that's a long term goal. I mean, if we can all switch from the broker side to the owner side, we're gonna, we're gonna be doing pretty well, you know? Right.  Sam Wilson: Is that the long term plan then is to, yeah. I mean, transition.  Chris Pettit: Yeah, to accumulate and own, own real estate. I think California, maybe getting back to one of your earlier questions, Southern California is more of an accumulation game. Mm-hmm if you can accumulate little bits and pieces of, of deals. I mean, I know I have some clients that are open to me throwing into deals, and if, you know, if I can at the time, I'll do that and just kind of put it away. It's not, you know, it's not there. It's not accessible, not running the deal, but [00:15:00] Hey, it's in the deal. I know that's a good piece of real estate and, and down the road I'll be rewarded. So I think it's more of an accumulation play, but yeah, that's the goal, ultimately, just to own more real estate. I mean, we're believers in real estate and we also feel. I'm a strong believer in the fact, if, if you're brokering and you're not owning, like, do you really believe in your product? right. And maybe you don't. Right. Maybe you're just a sales guy, you know, that's fine too. But  Sam Wilson: absolutely. Tell me about cuz that's a nuance a nuance kind of play that you talked about there when you said. How your buyers will rope you in on the deal and say, Hey Chris, do you wanna participate? What's that conversation like? And what would you recommend to somebody that wants to approach their broker? Maybe it's a large commercial real estate transaction. The broker's getting a six, you know, multi six-figure paycheck and they go, Hey, you know, do you want to get in on this deal? How should someone approach you as the broker  Chris Pettit: to have that conversation? Yeah, I mean, I think it's very easy approach from the investor. It's an easy question. Hey, do you have, would you have any interest in [00:16:00] partnering in or putting some of your commission? The deal obviously clear, very clear that no, you're not giving it up. You're not giving up your commission, but right. In putting it into the deal And , timing's everything in that respect, you know, like I said, this is my, my job. So depending on where I'm at timing, maybe I just put money into another deal, obviously gotta pay the bills. And so, yeah, it's an, I feel like it's an easy conversation from the. Investor from the agent side. I don't really bring it up that much. Just because it's, I feel it's a little more you know, most people, most people I deal with it's their, their deal. It's like a one person buyer. Right. And maybe, but, but a people that I know, well, I'll throw it out there at some point. Like, oh, I'd be happy to co-invest with you at some time. And so there's a few, that's the way I would frame it as a broker. You don't wanna be telling everybody, oh, let me get in with you. Let me get in with you. You know, it's a little more, I guess I feel like that would be like pushy, but from the investor side, I think if you just ask with no expectations, I don't see the, I don't find the broker being [00:17:00] offended. Sam Wilson: No, no, certainly not, certainly not. I think it's a great way. One to get some buy in from, like you said, either you believe in the product or you don't. So get some buy in from the broker it's a relatively not easy, but it's a, it's a, it's a source of capital, you know, where you can get involved in it. But then I think it also, it also just develops a long-term relationship with your broker where it's, Hey, you know what we're, we're not just doing a onetime transaction. We're we're in deals together for the long haul. So that's. That's really,  Chris Pettit: really cool. Yeah. I mean, I think it's beneficial for both parties. Like you said, you put people in, we can be partners and you sold me the deal and then, you know, we'll sell it back whenever the time comes again and we'll make money and go to the next thing. Absolutely.  Sam Wilson: Tell me about baseball, baseball, and real estate, that transition. what would you say some things, or maybe, maybe I'll ask this question. I could find the question I was gonna ask you. You know, as it pertained to baseball, what are some things, some, some crossovers from playing baseball to real estate, some similarities you find in, in, in  Chris Pettit: between the two. Yeah, the, the biggest crossover, especially to [00:18:00] brokerage is failure. So, yeah, baseball's a game of failure. You fail all the time. You know, you fail seven outta 10 times. You'll be in the hall of fame. And you know, this is a game of failure too. You're, you're talking to people and some people are not, not receptive to your call at that time or anything you're saying, but it's really a game of being able to a failure and being able to maintain your composure through the highs and the lows. This is a game of highs and lows, and that's the same as baseball. So you can't be out there closing a deal. Celebrating, like just won the world series. It's not gonna, it's not gonna pan out. You know, you gotta be back on, back on the grind and work harder.  Sam Wilson: That's it, man. That's it? Baseball is a game of failure. Yeah. That's kind of funny. I've never heard it quite put like that, but you're right. You know, the what'd you say, what was your statement there? I didn't quite catch that, but it was something about a hall of Famer. If you do  Chris Pettit: what now, if you fail seven outta 10 times as a hitter, you're a hall of fam. Right. Yeah. If  Sam Wilson: you have a 300 buck average, you're, you're a hall of Famer, which is that's pretty [00:19:00] crazy. I absolutely love it. Chris, if our listeners wanna get in touch with you and learn more about you and what's going on there in your marketplace, what is the best way to do that? Chris Pettit: Yeah, you can reach me via email or through our website. It's skyline commercial advisors. And I'm also on Twitter. It's CED at eight 15. That's more of a generic following. I do talk some real estate. It's not strictly real estate focused. It's pretty personalized and, and open. But yeah, those two places and email, or my emails on the site, you gimme anytime. Awesome.  Sam Wilson: Chris, thank you for taking the time to come on the show today. Certainly  Chris Pettit: appreciate it. Yeah. Thanks Sam. Nice to meet you and a pleasure being on the show.

Rio de la Vida
Open Classic Santa Ana, y Los experimentados Montadores de moscas Mikel Owen y Arturo Molinero

Rio de la Vida

Play Episode Listen Later Sep 15, 2022 106:46


4° Temporada Río de la vida , con las entrevistas a Ivan Aspas , Presidente del PCK Fishing Club para hablar del Classic Santa Ana , y los afamados montadores de moscas Mikel Owen y Arturo Molinero .

Cubicle Confidential
It's Not Me, It's YOU!

Cubicle Confidential

Play Episode Listen Later Sep 14, 2022 34:33


Let's be honest—sometimes other people are just a pain in the a**. In this week's show, Mary and Chris address a myriad of listeners' challenges in navigating difficult colleagues and situations. Feeling Like a Highschooler in Scottsdale is being iced out by her colleagues. They treat her like an outcast. Is there any way she can turn this situation around? Should she tell her supervisor? Confront the mean girls? Or just call it a day?Happy to See You in Hoboken is trying to convince her colleagues that hiring for culture fit is just as important as hiring for skills. How does she make her case and change their minds?Serenity Now in Santa Ana has a business partner (who is also her husband) who barrages her all day long with texts. How can she get him to stop or at least organize them into a semblance of a to-do list? Show us your love. Please give us a review wherever you listen to your podcasts. We're here to help you succeed! Send us your workplace dilemmas or career questions. Email us: info@cubicleconfidential.com or tweet us: @cubicleconfide1. All names will be changed to protect the guilty and innocent...

Guilt Grace Gratitude
#BESTOF(3): Adam & the Beginning of the Covenant of Grace

Guilt Grace Gratitude

Play Episode Listen Later Sep 12, 2022 68:51


Looking for a Reformed Church in Orange County? Check out Santa Ana Reformed (a United Reformed Church plant) meeting Sundays at 2 PM at Davis Elementary School in Santa Ana! Contact us: santaanareformed@gmail.com Please help support the show on our Patreon Page! Check out the ESBT Series & NSBT Series from IVP Academic! Get a copy of the Family Worship Bible Study, The Works of William Perkins, & the RHB Store! Join Logos Bible Software for just $49! Go to logos.com/guiltgrace to begin. #BESTOF SEASON 3: PROMISES & FULFILLMENT #3 Join Nick & Peter for their discussion on Adam & the Beginning of the Covenant of Grace, Chapter 4 of Reformed Theological Seminary's Crossway volume, Covenant Theology. Have Feedback or Questions? Email us at: guiltgracepod@gmail.com Find us on Instagram: @guiltgracepod Follow us on Twitter: @guiltgracepod Find us on YouTube: Guilt Grace Gratitude Podcast Please rate and subscribe to the podcast on whatever platform you use! Looking for a Reformed Church? North American Presbyterian & Reformed Churches --- Support this podcast: https://anchor.fm/gggpodcast/support

Unsolved with Steve Gregory
Episode 304 -The Cellphone Murder LA County Crime Lab.

Unsolved with Steve Gregory

Play Episode Listen Later Sep 11, 2022 69:17


Case #1: On July 3, 2014, 15-year-old Ruby Rubio was walking with her sister in Santa Ana when a man approached and asked her for the time. Ruby pulled out her phone to see the clock, but the man grabbed the phone and ran away - Ruby chased the man who got into a waiting car. As the car sped away Ruby jumped onto the trunk lid and held on, the driver swerved until Ruby was thrown off the car. She landed on the pavement and later died at a hospital. Case #2: We follow up on the Danah Rojo-Rivas murder with new information and a one-on-one interview with Danah's mother. Case #3: We get a firsthand look at the LA County Crime Lab and speak with the lab's director about DNA and the role it plays in solving cold cases.

Guilt Grace Gratitude
Belgic Confession Article 35 | The Sacrament of the Lord's Supper

Guilt Grace Gratitude

Play Episode Listen Later Sep 10, 2022 6:53


Looking for a Reformed Church in Orange County? Check out Santa Ana Reformed (a United Reformed Church plant) meeting Sundays at 2 PM at Davis Elementary School in Santa Ana. Please help support the show on our Patreon Page! Welcome to Article 35 of the Belgic Confession! What is the Lord's Supper and why is it a Sacrament? Listen in! Want to follow along week-to-week? Belgic Confession Have Feedback or Questions? Email us at: guiltgracepod@gmail.com Find us on Instagram: @guiltgracepod Follow us on Twitter: @guiltgracepod Watch the video on YouTube: Guilt Grace Gratitude Podcast Please rate and subscribe to the podcast on whatever platform you use! Looking for a Reformed Church? North American Presbyterian & Reformed Churches --- Support this podcast: https://anchor.fm/gggpodcast/support

Haunted Attraction Network
Day 10: Santa Ana Haunt

Haunted Attraction Network

Play Episode Listen Later Sep 10, 2022 6:51


Coming up, home haunts are a huge part of Halloween and today we'll learn what Santa Ana Haunt has planned for their Halloween Season. Follow along to our Hauntathon: https://linktr.ee/hauntedattractionnetwork

Guilt Grace Gratitude
Claude Atcho | Reading Black Books

Guilt Grace Gratitude

Play Episode Listen Later Sep 8, 2022 44:14


Looking for a Reformed Church in Orange County? Check out Santa Ana Reformed (a United Reformed Church plant) meeting Sundays at 2 PM at Davis Elementary School in Santa Ana! Contact us: santaanareformed@gmail.com Please help support the show on our Patreon Page! Check out the ESBT Series & NSBT Series from IVP Academic! Get a copy of the Family Worship Bible Study, The Works of William Perkins, & the RHB Store! Sign up with Logos Bible Software to receive a Free Book every month! Go to logos.com/guiltgrace to begin. WELCOME TO BOOK CLUB! Claude Atcho is the Planting Pastor for Church of the Holy Cross's Charlottesville church plant. Claude previously served as pastor of a multi-ethnic church, Fellowship Memphis, and before that served as a church planter in Boston MA. We want to thank Baker for their help in setting up this interview and providing us with the necessary materials to interview Claude Purchase the book(s) here: Reading Black Books: How African-American Literature Can Make Our Faith More Whole and Just Have Feedback or Questions? Email us at: guiltgracepod@gmail.com Find us on Instagram: @guiltgracepod Follow us on Twitter: @guiltgracepod Find us on YouTube: Guilt Grace Gratitude Podcast Please rate and subscribe to the podcast on whatever platform you use! Looking for a Reformed Church? North American Presbyterian & Reformed Churches --- Support this podcast: https://anchor.fm/gggpodcast/support

The Course Of Life
New Mexico Golf Paradise and Derek Gutierrez

The Course Of Life

Play Episode Listen Later Sep 6, 2022 50:32


The #CoLPlaycation headed to Santa Ana Pueblo, New Mexico for a two day trip to golf paradise at the Hyatt Regency Tamaya. Hosts Alex Lauzon and Michael Russell recap their trip to northern New Mexico, rounds at Twin Warriors Golf Club, horseback riding at the Tamaya Stables, and more (1:44). The Korn Ferry Tour was in action, handing out 25 PGA Tour cards at the Korn Ferry Tour Championship, where some heroics were made by pros to earn their way to the big game (11:59). The LPGA's Dana Open presented by Marathon gave Mexican Gaby Lopez her third career victory after a blazingly low Sunday (13:27). LIV Golf's Boston "tournament" included a lot of "firsts" for the fledgling tour, and friend of the podcast David Button was inside the ropes for the Thursday Pro-Am (14:01). In Tuned In, Michael is all-in on the new Lord of the Rings show on Amazon Prime, while Alex was enjoying a unique spin on the weather from a New Mexico meteorologist (19:26). This week's guest is PGA professional Derek Gutierrez, the General Manager and Director of Golf at Santa Ana Golf Corporation. Derek chats with Michael and Alex about his journey into the game, the uniqueness of golf in northern New Mexico, and his role on the PGA of America Board of Directors (22:06). Football season is about to get started, and Alex and Michael are ready to either be full of joy or turmoil at their team's respective season's get started (44:22). College football officially kicked off this weekend, and Alex is already issuing a formal apology for his picks for week 1 (45:57). As the guys #AlwaysEndWithFood, they recap the fantastic food from the Hyatt Regency Tamaya, as well as the incredible dinner they enjoyed at the Prairie Star restaurant at the Santa Ana golf course (46:51).

Guilt Grace Gratitude
#BESTOF(4): Covenant of Works in the Old Testament

Guilt Grace Gratitude

Play Episode Listen Later Sep 5, 2022 59:10


Looking for a Reformed Church in Orange County? Check out Santa Ana Reformed (a United Reformed Church plant) meeting Sundays at 2 PM at Davis Elementary School in Santa Ana! Contact us: santaanareformed@gmail.com Please help support the show on our Patreon Page! Check out the ESBT Series & NSBT Series from IVP Academic! Get a copy of the Family Worship Bible Study, The Works of William Perkins, & the RHB Store! Join Logos Bible Software for just $49! Go to logos.com/guiltgrace to begin. #BESTOF SEASON 3: PROMISES & FULFILLMENT #4 Join Nick & Peter for their discussion on the Covenant of Works in the Old Testament, Chapter 2 of Reformed Theological Seminary's Crossway volume, Covenant Theology. Have Feedback or Questions? Email us at: guiltgracepod@gmail.com Find us on Instagram: @guiltgracepod Follow us on Twitter: @guiltgracepod Find us on YouTube: Guilt Grace Gratitude Podcast Please rate and subscribe to the podcast on whatever platform you use! Looking for a Reformed Church? North American Presbyterian & Reformed Churches --- Support this podcast: https://anchor.fm/gggpodcast/support

Phóng sự đặc biệt - VOA
Kỳ thị vẫn là điểm nóng của người Mỹ gốc Việt tại Hoa Kỳ - Tháng Chín 05, 2022

Phóng sự đặc biệt - VOA

Play Episode Listen Later Sep 5, 2022 3:42


Hội nghệ sĩ Wayward Artist lần đầu tiên trình làng một màn kịch sân khấu tên Brackish, nói về những trải nghiệm kỳ thị và các trắc trở sinh nhai trong gia đình của người Việt Nam tại tiểu bang Texas, với dàn diễn viên toàn người Mỹ gốc Việt, tại thành phố Santa Ana, miền Nam California.

Unsolved with Steve Gregory
Episode 303 - The Brutal Death of Jane Doe.

Unsolved with Steve Gregory

Play Episode Listen Later Sep 4, 2022 70:49


On March 31, 1988, a man walking his dog at Santiago Park in Santa Ana found the body of a woman partially hidden under some brush. When the man got closer, he realized the woman's head was missing. The woman's pants were pulled down to her knees and she was barefoot. The Coroner estimated the woman was in her 20's. Police searched the immediate area and didn't find the head. Two days later, some boys walking along a creek bed found the head. It was 30-35 feet from where the body was found – police say it was clear the head wasn't there the same day the body was found. To date, the woman is unidentified, and police hope new advancements in DNA technology might help find the killer. The head was partially decomposed but sketch artists were able to create a likeness.

Guilt Grace Gratitude
Belgic Confession Article 34 | The Sacrament of Baptism

Guilt Grace Gratitude

Play Episode Listen Later Sep 3, 2022 7:25


Looking for a Reformed Church in Orange County? Check out Santa Ana Reformed (a United Reformed Church plant) meeting Sundays at 2 PM at Davis Elementary School in Santa Ana. Please help support the show on our Patreon Page! Welcome to Article 34 of the Belgic Confession! What is Baptism and why is it a Sacrament? Listen in! Want to follow along week-to-week? Belgic Confession Have Feedback or Questions? Email us at: guiltgracepod@gmail.com Find us on Instagram: @guiltgracepod Follow us on Twitter: @guiltgracepod Watch the video on YouTube: Guilt Grace Gratitude Podcast Please rate and subscribe to the podcast on whatever platform you use! Looking for a Reformed Church? North American Presbyterian & Reformed Churches --- Support this podcast: https://anchor.fm/gggpodcast/support

Drifting On Memories
Johnathan Hernandez - Santa Ana City Coincilman

Drifting On Memories

Play Episode Listen Later Sep 2, 2022 31:58


Santa Ana Lowriders stand up! Your city councilman, Johnathan Hernandez is representing to the fullest. Sharing his personal stories of growing up in the varrio and learning of lowrider family culture. He say, “Our culture should not be criminalized, our culture should be embraced for what it is because that's what cruising is about”. Today he is fighting for our right to cruise peacefully. Introducing and celebrating a Chicano Heritage month in August in the city of Santa Ana. Let's all support this the way Bristo St. has been supporting lowriding for decades. Oralé SANTANA!

Guilt Grace Gratitude
Chad & Emily Van Dixhoorn | Gospel-Shaped Marriage

Guilt Grace Gratitude

Play Episode Listen Later Sep 1, 2022 51:13


Looking for a Reformed Church in Orange County? Check out Santa Ana Reformed (a United Reformed Church plant) meeting Sundays at 2 PM at Davis Elementary School in Santa Ana! Contact us: santaanareformed@gmail.com Please help support the show on our Patreon Page! Check out the ESBT Series & NSBT Series from IVP Academic! Get a copy of the Family Worship Bible Study, The Works of William Perkins, & the RHB Store! Join Logos Bible Software for just $49! Go to logos.com/guiltgrace to begin. WELCOME TO BOOK CLUB! Dr. Chad Van Dixhoorn (PhD., University of Cambridge) is a Professor at Westminster Theological Seminary in Glenside, Pennsylvania, and Emily Van Dixhoorn (MAR., Westminster Theological Seminary) is a Chad's wife and a bible study leader. We want to thank Crossway for help setting up this interview and providing us with the necessary materials to interview Chad & Emily! Purchase the book(s) here: Gospel-Shaped Marriage: Grace for Sinners to Love Like Saints Have Feedback or Questions? Email us at: guiltgracepod@gmail.com Find us on Instagram: @guiltgracepod Follow us on Twitter: @guiltgracepod Find us on YouTube: Guilt Grace Gratitude Podcast Please rate and subscribe to the podcast on whatever platform you use! Looking for a Reformed Church? North American Presbyterian & Reformed Churches --- Support this podcast: https://anchor.fm/gggpodcast/support

No Jumper
Negra on Facing 25 to Life, Life in a Woman's Prison, Female Serial Killers & More

No Jumper

Play Episode Listen Later Aug 31, 2022 53:13 Very Popular


Negra of Indicted TV talks about her tumultuous life, doing time, motherhood, her new life, her podcast, and more. ----- 00:00 Intro 0:14 - Eric and Christina almost crashed into an old Asian man on the way to No Jumper 2:00 - DoKnow explains how he first met Eric (aka Icon) and Christina (aka Negra) 3:45 - Negra on starting IndictedTV to interview other women who have served time in prison 5:44 - Going to juvenile hall as a teenager for grand theft auto and gang violations 6:55 - Negra on getting put on in 7th grade 7:58 - She is more gangster than her man 10:51 - Negra started smoking m*th at 16, and worries about the potential effects her kids 11:55 - Getting indicted on RICO charges 13:57 - Negra recounts the day the feds came and she got arrested for RICO charges 22:10 - Spending 2 months in federal holding in Santa Ana with no bail, 25 to life 28:15 - DoKnow gets Negra's take on Young Thug and 6ix9ine's RICO cases 29:22 - Negras explained in court that she wouldn't cooperate to help keep her family safe 37:27 - Negra says she didn't become a lesbian in jail because she always liked girls 43:14 - Behindbars, all the weirdest girls with the crazy charges were white 45:33 - Starting IndictedTV together as a couple to interview people that have been to prison 47:49 - Negra previews the story on IndictedTV about her bank robber homie who only did 3 to 5 years ----- NO JUMPER PATREON http://www.patreon.com/nojumper CHECK OUT OUR NEW SPOTIFY PLAYLIST https://open.spotify.com/playlist/5te... FOLLOW US ON SNAPCHAT FOR THE LATEST NEWS & UPDATES https://www.snapchat.com/discover/No_... CHECK OUT OUR ONLINE STORE!!! http://www.nojumper.com/ SUBSCRIBE for new interviews (and more) weekly: http://bit.ly/nastymondayz  Follow us on SPOTIFY: https://open.spotify.com/show/4ENxb4B... iTunes: https://itunes.apple.com/us/podcast/n... Follow us on Social Media: https://www.snapchat.com/discover/No_... http://www.twitter.com/nojumper http://www.instagram.com/nojumper https://www.facebook.com/NOJUMPEROFFI... http://www.reddit.com/r/nojumper JOIN THE DISCORD: https://discord.gg/Q3XPfBm Follow Adam22: https://www.tiktok.com/@adam22 http://www.twitter.com/adam22 http://www.instagram.com/adam22 adam22hoe on Snapchat Learn more about your ad choices. Visit megaphone.fm/adchoices

UBC News World
Get Fully Funded College Grant Advice For Santa Ana Minority Students & Families

UBC News World

Play Episode Listen Later Aug 31, 2022 2:16


If you're a minority or low-income family in Santa Ana or surrounding parts of Los Angeles, the award-winning college admissions consultancy College Planning Experts (818-201-4847) can help you access fully funded grant programs. Go to https://collegeplanningexperts.com (https://collegeplanningexperts.com) for more information.

Guys That Listen
Surviving a 7-story fall, Regaining your memory through Art, Peter tries to interview wasted |

Guys That Listen

Play Episode Listen Later Aug 31, 2022 60:07


In this episode we speak with our friend Erick Yung about the importance of repping your city (Santa Ana), surviving a near death experience and coming back stronger from it, and the power of music and Art and how it can change your life 

Alchemize Life
Julie Nguyen: Discovering Food as Medicine, An Entrepreneurial Wellbeing Journey | Episode 14

Alchemize Life

Play Episode Listen Later Aug 30, 2022 83:07


Are you figuring out how to eat in a way that supports your unique body and helps you get better health and performance outcomes? In this episode, CEO & Cofounder of Methodology, Julie Nguyen digs into her origin story and how she became increasingly ill from eating American food. After years of struggling to find relief from her health problems, she found and followed an elimination diet that changed her health significantly. Julie shares how she decided to start her own company and why she believes it's easy to underestimate the power food can have on our lives. Let's dive in! Julie grew up on a fast-food diet as the daughter of a single Vietnamese Immigrant Mother in Santa Ana, CA. This fast-food lifestyle led to major health issues in her young adulthood during her college & early career in Silicon Valley. Eventually, she took her health-matters into her own hands & ended up starting a company (Methodology) to heal herself & others with the power of Food. Key Highlights: [00:01 - 11:31] Opening Segment How Julie's wellbeing journey started Her experience eating fast food as she grew up How her health kept getting worse What the elimination diet is [11:32 - 20:29] Learning How to Eat Justin's experience going vegan It's amazing what food and your diet can do Why and how Julie started Methodology Helping people use food as medicine [20:30 - 32:29] We're a Product of Our Environment Julie's experience working at Lumosity The Julie diet and the body test  Why the environment has a substantial impact on our health Hiring a private chef [32:30 - 40:06] Eat Healthy Consistently How Julie's chef plan was Taking retirement savings and putting them towards a dream The reason why the company is called Methodology [40:07 - 52:06] Take Responsibility for Your Wellbeing Journey How Methodology brings more life to the wellbeing Justin's experience with Methodology Getting more time back [52:07 - 1:02:27] The Character Traits Julie's tips and resources he has found on her wellbeing journey Julie's insights about discipline The benefits of minor improvements  [1:02:28 - 1:12:13] Fun for Everyone is Different What's the character that you want to embody? You have to develop a super strong why The first principle of thinking [1:12:14 - 1:23:13] Closing Segment Give yourself just enough to create the growth Don't be scared to invest in your health and wellbeing Connect with Julie on Instagram. Visit Go Methodology, eat healthy consistently & save time. Resources Mentioned: Le Creuset Pan Key Quotes: “The key to being healthy is to basically surround ourselves with healthy food” -  Julie Nguyen “All you need to do is just set up the systems and environment for yourself so that your body and health can really thrive.” - Julie Nguyen “When you have your wellbeing dialed in, life is so good and so much better.” - Justin David Carl WANT TO LEARN MORE? Follow my personal website: https://alchemizelife.com/ Follow my Instagram, LinkedIn, Facebook, Youtube, & Twitter Show Notes: www.alchemizelife.com/podcast/ Sponsors: Are you ready to get in the best shape of your life, double your income, and 10x your savings/investments? I'm incredibly passionate about fitness & money and have reached a strong degree of mastery in these domains and built an incredible coaching program to help you. Head to www.fitrichvegan.com, sign up for a Free Consultation, or DM me on Instagram with the words "Fit Rich Vegan" to discover if it'd be a good fit for you! For something like you've never had before and to get into an almost euphoric state of Focused Flow & Productivity, try Feel Free by Botanic Tonics! Go to www.botanictonics.com and use code DRAGON to save 40% off your first order! If you desire to lead a happy, healthy, fit life, go to www.vedgenutrition.com/dragon, and grab your plant-based healthy essentials. Use the code DRAGON and get 15% off! Thanks for tuning in!   If you liked my show, LEAVE A 5-STAR REVIEW, like, share, and subscribe!

Guilt Grace Gratitude
#BESTOF(5): Covenant & Second Temple Judaism

Guilt Grace Gratitude

Play Episode Listen Later Aug 29, 2022 67:14


Looking for a Reformed Church in Orange County? Check out Santa Ana Reformed (a United Reformed Church plant) meeting Sundays at 2 PM at Davis Elementary School in Santa Ana! Contact us: santaanareformed@gmail.com Please help support the show on our Patreon Page! Check out the ESBT Series & NSBT Series from IVP Academic! Get a copy of the Family Worship Bible Study, The Works of William Perkins, & the RHB Store! Join Logos Bible Software for just $49! Go to logos.com/guiltgrace to begin. #BESTOF SEASON 3: PROMISES & FULFILLMENT #5 Join Nick & Peter for their discussion on Covenant & Second Temple Judaism, Chapter 22 of Reformed Theological Seminary's Crossway volume, Covenant Theology. Have Feedback or Questions? Email us at: guiltgracepod@gmail.com Find us on Instagram: @guiltgracepod Follow us on Twitter: @guiltgracepod Find us on YouTube: Guilt Grace Gratitude Podcast Please rate and subscribe to the podcast on whatever platform you use! Looking for a Reformed Church? North American Presbyterian & Reformed Churches --- Support this podcast: https://anchor.fm/gggpodcast/support

Guilt Grace Gratitude
Belgic Confession Article 33 | The Sacraments

Guilt Grace Gratitude

Play Episode Listen Later Aug 27, 2022 6:24


Looking for a Reformed Church in Orange County? Check out Santa Ana Reformed (a United Reformed Church plant) meeting Sundays at 2 PM at Davis Elementary School in Santa Ana. Please help support the show on our Patreon Page! Welcome to Article 33 of the Belgic Confession! What are the Sacraments Christ instituted? Listen in! Want to follow along week-to-week? Belgic Confession Have Feedback or Questions? Email us at: guiltgracepod@gmail.com Find us on Instagram: @guiltgracepod Follow us on Twitter: @guiltgracepod Watch the video on YouTube: Guilt Grace Gratitude Podcast Please rate and subscribe to the podcast on whatever platform you use! Looking for a Reformed Church? North American Presbyterian & Reformed Churches --- Support this podcast: https://anchor.fm/gggpodcast/support

Krisha & Frank Show
Frank & Friends Show 0077

Krisha & Frank Show

Play Episode Listen Later Aug 25, 2022 27:28


Frank Murphy interviews Russell Hitchcock of the band Air Supply on today's episode. Air Supply will perform at the Niswonger Performing Arts Center in Greeneville, Tennessee on Sunday, August 28, 2022. Any remaining tickets can be purchased at https://www.npacgreeneville.com/events/airsupply Air Supply's website is https://airsupplymusic.com  Air Supply will soon release a new single called “Be Tough.” They recorded it in a new Los Angeles studio that houses musical instruments and mixing boards used by members of the Rolling Stones and the Beatles.  Russell Hitchcock and Graham Russell met on May 12, 1975, which was the first day of rehearsals for a production of Jesus Christ Superstar in Sydney, Australia. Frank asks Russell which tenor roles he portrayed. Russell started in the chorus and became an understudy for Jesus, Judas, and Annas. He played Judas several times but played Jesus only once. The producer thought he had the wrong hair for the role.  Frank has seen Air Supply in concert three times. They had a sold-out show at the Tennessee Valley Fair on September 5, 2014. They performed at the Children's Miracle Network Celebration on April 2, 2007.  In 1995, Frank met with Russell and Graham to ask them to perform at a KROQ Singles Party for “losers” on Valentine's Day at an Elks Lodge in Santa Ana, California. Jimmy Kimmel arranged for a terrible comedian to be their opening act. The audience was also treated to macaroni and cheese, served buffet style.  Russell's favorite Air Supply song is “All Out of Love,” which has become their anthem. “Lost in Love” is his second favorite.  Support the Frank & Friends Show by purchasing some of our high-quality merchandise at https://frank-friends-show.creator-spring.com  Sign up for a 30-day trial of Audible Premium Plus and get a free premium selection that's yours to keep. Go to http://AudibleTrial.com/FrankAndFriendsShow  Find us online https://www.FrankAndFriendsShow.com/  Please subscribe to our YouTube channel at https://YouTube.com/FrankAndFriendsShow  and hit the bell for notifications.  Find the audio of the show on major podcast apps including Spotify, Apple, Google, iHeart, and Audible.  Find us on social media:  https://www.facebook.com/FrankAndFriendsShow  https://www.instagram.com/FrankAndFriendsShow  https://www.twitter.com/FrankNFriendsSh  Thanks!

OC Talk Radio
OUR COMMUNITY: Meet Victor Vasquez, EYEGLASS STORE of OC

OC Talk Radio

Play Episode Listen Later Aug 25, 2022 25:01


Meet Victor Vasquez, owner of the EYEGLASS STORE of Orange County. And hear his amazing journey that started on the toughest streets of Santa Ana (in and out of juvenile detention and jail) until a life changing miracle happened one day when a total stranger approached him out of the blue and pointed him a new direction. Opening his eyes to the world of optics (a world he'd never seen before).  Which led him to taking classes and  eventually starting his own business.  Finding a profession that profoundly changed his life and the others around him.  Volunteering as Santa Claus at Christmas and playing the part in real life, passing out thousands of pairs of eyeglasses to kids in need. A miraculous journey that took him from some of the toughest streets to main street.  All in the blink of an eye. On OUR COMMUNITY PODCAST.  Powered by the Orange County Hispanic Chamber of Commerce. And Orange County's only community radio station, OC TALK RADIO.

Guilt Grace Gratitude
Chloe Sun | Conspicuous in His Absence

Guilt Grace Gratitude

Play Episode Listen Later Aug 25, 2022 58:56


Looking for a Reformed Church in Orange County? Check out Santa Ana Reformed (a United Reformed Church plant) meeting Sundays at 2 PM at Davis Elementary School in Santa Ana! Contact us: santaanareformed@gmail.com Please help support the show on our Patreon Page! Check out the ESBT Series & NSBT Series from IVP Academic! Get a copy of the Family Worship Bible Study, The Works of William Perkins, & the RHB Store! Join Logos Bible Software for just $49! Go to logos.com/guiltgrace to begin. WELCOME TO BOOK CLUB! Chloe T. Sun (PhD, Fuller Theological Seminary) who is professor of Old Testament and academic dean at Logos Evangelical Seminary and has published books in Chinese and English, including The Ethics of Violence in the Story of Aqhat, Love Already but Not Yet: A Commentary on the Song of Songs and Attempt Great Things for God: Theological Education in Diaspora. Find her website here as well: Chloe Sun, PhD. We want to thank IVP Academic for help setting up this interview and providing us with the necessary materials to interview Dr. Sun! Purchase the book(s) here: Conspicuous in His Absence: Studies in the Song of Songs and Esther Have Feedback or Questions? Email us at: guiltgracepod@gmail.com Find us on Instagram: @guiltgracepod Follow us on Twitter: @guiltgracepod Find us on YouTube: Guilt Grace Gratitude Podcast Please rate and subscribe to the podcast on whatever platform you use! Looking for a Reformed Church? North American Presbyterian & Reformed Churches --- Support this podcast: https://anchor.fm/gggpodcast/support

HerCsuite™ Radio - For Women Leaders On The Move
How to Create a Positive Ripple Effect in the World with Bonni Pomush, Chief Executive Officer, Working Wardrobes

HerCsuite™ Radio - For Women Leaders On The Move

Play Episode Listen Later Aug 24, 2022 24:17


Have you ever stopped to think of how you can create more joy and positivity in the world? Take a listen as Bonni Pomush and host Natalie Benamou share how Working Wardrobes is doing that every day. Bonni Pomush develops high-performing teams, engages diverse stakeholders, and produces measurable results. Bonni is the new CEO at Working Wardrobes, a workforce development, nonprofit in Santa Ana, California. She brings over 25 years of leadership experience in government and nonprofit agencies. Her research and strengths-based leadership approach has resulted in the national accreditation of centers, turning around budgets from shortfalls to surpluses and retaining high-quality employees by creating and implementing performance. Pay systems in partnership with board members and volunteers. Bonni has secured millions of dollars in funding. Listen to Bonni Pomush in this emotional episode as she shares how you can spread more joy and create a positive ripple effect in the world. How Working Wardrobes is Evolving Through the Pandemic Identify what your team values. Figure out where are the purposeful moments to be together in person. Create opportunities for people to not only be at work but expand beyond that and feel a sense of belonging. What Working Wardrobes is doing to create that positive ripple effect: Give people back their confidence and worthiness through dignity. Follow alongside them on their journey through resume writing to getting jobs and much more. Finally, the success suit which showcases outwardly the growth they have gone through internally. "This inspires me because every day, we change one life. We have the power in us to change ourselves, to change each other. And if we embrace that power of one person to make a difference, we never know the ripple effect." -Bonni Pomush Find Bonni Pomush | Working Wardrobes Thank you Bonni for being a guest on HerCsuite™ Radio! Advance and engage more women in every career phase with HerCsuite™. Powered by HerCsuite™ network platform, our facilitated mentoring circles, turnkey speaker events and leadership development circles and women on board programs, engage female talent in new ways. Women achieve success inside HerCsuite™ Network Community. You Belong Here. Natalie Benamou is the Founder of HerCsuite™. Natalie is a speaker, podcast guest, board advisor and CEO of HerPower2, Inc. Reach out if you would like her to speak or be on this podcast at info@hercsuite.com. LinkedIn: Natalie Benamou | HerPower2 Lead | HerCsuite™ This podcast is sponsored by HerCsuite™ Events. Join us at our next program! Credits: Thanks to Julie Deem and the Business Podcast Editor for editing our podcast! --- Send in a voice message: https://anchor.fm/natalie109/message

Airline Pilot Guy - Aviation Podcast
APG 533 – Just Hanging On!

Airline Pilot Guy - Aviation Podcast

Play Episode Listen Later Aug 23, 2022 183:17 Very Popular


[00:04:12] NEWS [00:04:29] Preliminary Report - Missing Pilot En Route to RDU [00:10:55] Report: Southwest B737 at Santa Ana on Jul 1st 2022, Flight Attendant Receives Serious Injury on Touch Down [00:18:38] FINAL REPORT - Accident: Ryanair B738 Near Frankfurt on Jul 13th 2018, Loss of Cabin Pressure, 33 Passengers Feeling Unwell [00:41:31] Fixing Chronic Problems with Flying Training was RAF Chief's 'Only Priority' and Could Take Years to Resolve [00:51:58] FINAL REPORT - Incident: Thai A359 at Frankfurt on Jan 1st 2020, About 800 Feet AGL About 7nm from Touch Down [01:13:34] GETTING TO KNOW US [01:38:10] COFFEE FUND [01:40:19] FEEDBACK [01:40:35] Peter - RAF Tornado - YouTube Video [01:46:39] Tom T - Locking the Overhead Bins [02:01:54] Robert - Lufthansa Reactivates Airbus A380 [02:06:57] Texas Anla'Shok - By Air or by Rail? [02:16:57] Gary - Pilots at Fault??? [02:22:03] Larry - Tug? I Don't Need No Stinkin' Tug! [02:25:02] Robert - Salvaged Airframe Parts Allegedly Led to Haunted Future Flights [02:28:15] Josh from SoCal - Mystery Magic Fuel from Thin Air? [02:32:22] Mariano - RE: American Airlines Multiple Failues Discussed on 529 [02:36:56] Larry - SECURITY BREACH [02:38:41] Moshe - Multiple Pilots on the Flight Deck [02:50:50] Robert - Oklahoma City Sonic Boom Tests [02:55:47] Texas Charlie- Finally, Real Evidence VIDEO Don't see the video? Click this to watch it on YouTube! ABOUT RADIO ROGER “Radio Roger” Stern has been a TV and Radio reporter since he was a teenager. He's won an Emmy award for his coverage in the New York City Market. Currently you can hear his reporting in New York on radio station 1010 WINS, the number one all-news station in the nation. Nationally you can hear him anchor newscasts on the Fox News Radio Network and on Fox's Headlines 24-7 service on Sirius XM Radio. In addition Roger is a proud member of and contributor to the APG community. Give us your review in iTunes! I'm "airlinepilotguy" on Facebook, and "airlinepilotguy" on Twitter. feedback@airlinepilotguy.com airlinepilotguy.com "Appify" the Airline Pilot Guy website (http://airlinepilotguy.com) on your phone or tablet! ATC audio from http://LiveATC.net Intro/outro Music, Coffee Fund theme music by Geoff Smith thegeoffsmith.com Dr. Steph's intro music by Nevil Bounds Capt Nick's intro music by Kevin from Norway (aka Kevski) Doh De Oh by Kevin MacLeod is licensed under a Creative Commons Attribution license (https://creativecommons.org/licenses/by/4.0/) Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100255 Artist: http://incompetech.com/ Copyright © AirlinePilotGuy 2022, All Rights Reserved Airline Pilot Guy Show by Jeff Nielsen is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License

Guilt Grace Gratitude
Belgic Confession Article 32 | The Order and Discipline of the Church

Guilt Grace Gratitude

Play Episode Listen Later Aug 20, 2022 7:13


Looking for a Reformed Church in Orange County? Check out Santa Ana Reformed (a United Reformed Church plant) meeting Sundays at 2 PM at Davis Elementary School in Santa Ana. Please help support the show on our Patreon Page! Welcome to Article 32 of the Belgic Confession! How is the Church regulated by God's Word? Listen in! Want to follow along week-to-week? Belgic Confession Have Feedback or Questions? Email us at: guiltgracepod@gmail.com Find us on Instagram: @guiltgracepod Follow us on Twitter: @guiltgracepod Watch the video on YouTube: Guilt Grace Gratitude Podcast Please rate and subscribe to the podcast on whatever platform you use! Looking for a Reformed Church? North American Presbyterian & Reformed Churches --- Support this podcast: https://anchor.fm/gggpodcast/support

The Rodriguez Show
8/19/22: Still Authentic & Guys That Listen

The Rodriguez Show

Play Episode Listen Later Aug 19, 2022 71:05


This week Reyes comes through to catch up and talk the latest hip hop news like Nipsey Hussle's Star, Freddie Gibbs X Gorillaz, Megan Thee Stallion's new album and more! Then Still Authentic from The Sunday Skool Show hangs out, talks his musical journey, growing up in the 90s in Santa Ana and more! We are also joined by The Guys That Listen podcast crew, they talk about creating the show over a few years, 5 hour long recordings sessions and standout guests. All that plus local events and a new Mandoh Mix!  Instagram: @stillauthentic @guysthatlisten  https://linktr.ee/therodriguezshow

Guilt Grace Gratitude
Joni Eareckson Tada | Songs of Suffering

Guilt Grace Gratitude

Play Episode Listen Later Aug 18, 2022 30:53


Looking for a Reformed Church in Orange County? Check out Santa Ana Reformed (a United Reformed Church plant) meeting Sundays at 2 PM at Davis Elementary School in Santa Ana! Contact us: santaanareformed@gmail.com Please help support the show on our Patreon Page! Check out the ESBT Series & NSBT Series from IVP Academic! Get a copy of the Family Worship Bible Study, The Works of William Perkins, & the RHB Store! Interested in further study of the Bible? Join us at Logos Bible Software. WELCOME TO BOOK CLUB! Joni Eareckson Tada is CEO of Joni and Friends (pronounced "Johnny"), a global ministry that serves the practical and spiritual needs of people with disabilities. She is also an artist and the author of numerous bestselling books, including Joni; A Place of Healing; and When God Weeps. Joni and her husband, Ken, reside in Calabasas, California. We want to thank Crossway for help setting up this interview and providing us with the necessary materials to interview Joni! Purchase the book(s) here: Songs of Suffering: 25 Hymns and Devotions for Weary Souls Have Feedback or Questions? Email us at: guiltgracepod@gmail.com Find us on Instagram: @guiltgracepod Follow us on Twitter: @guiltgracepod Find us on YouTube: Guilt Grace Gratitude Podcast Please rate and subscribe to the podcast on whatever platform you use! Looking for a Reformed Church? North American Presbyterian & Reformed Churches --- Support this podcast: https://anchor.fm/gggpodcast/support

CruxCasts
Outcrop Silver & Gold (OCG)- High-Grade Silver Resource Out End 2022

CruxCasts

Play Episode Listen Later Aug 17, 2022 27:02


Outcrop Silver & Gold Corp. is a Canadian company actively exploring for precious metals in Colombia and looking to expand into other high opportunity jurisdictions. Outcrop is rapidly advancing exploration on five silver and gold exploration projects with world-class discovery potential in Colombia. Outcrop is currently drilling the Santa Ana historic high-grade silver district. These assets are being advanced by a highly disciplined and seasoned professional team with decades of experience in Colombia. 2021 work programs are fully financed with a broad range of institutional shareholders.

Guilt Grace Gratitude
Belgic Confession Article 31 | The Officers of the Church

Guilt Grace Gratitude

Play Episode Listen Later Aug 13, 2022 7:45


Looking for a Reformed Church in Orange County? Check out Santa Ana Reformed (a United Reformed Church plant) meeting Sundays at 2 PM at Davis Elementary School in Santa Ana. Please help support the show on our Patreon Page! Welcome to Article 31 of the Belgic Confession! Who are the officers that Christ calls to serve his Church? Listen in! Want to follow along week-to-week? Belgic Confession Have Feedback or Questions? Email us at: guiltgracepod@gmail.com Find us on Instagram: @guiltgracepod Follow us on Twitter: @guiltgracepod Watch the video on YouTube: Guilt Grace Gratitude Podcast Please rate and subscribe to the podcast on whatever platform you use! Looking for a Reformed Church? North American Presbyterian & Reformed Churches --- Support this podcast: https://anchor.fm/gggpodcast/support

KNX In Depth
KNX In Depth: Judge unseals Mar-a-Lago search warrant as Donald Trump mounts a defense--Governor Newsom/Michael Dukakis comparison--Santa Ana winds could get hotter and stronger--Quiet quitting at work

KNX In Depth

Play Episode Listen Later Aug 12, 2022 46:52


A judge has just unsealed the search warrant that led to the search of former President Trump's Mar-a-Lago estate. It shows the FBI is investigating Mr. Trump for a potential violation of the Espionage Act and removal of classified documents. We go In Depth into the search and what kind of defense the president could mount.  First, it was COVID then monkey pox. Now, polio is back and might be more widespread than what we all think. Health officials say the polio virus has been detected in New York City's wastewater. This comes after it was also found in London's wastewater. Is LA next?  Liz Cheney could be out of a job soon as a congresswoman but her career in politics may not be over.  Governor Newsom might be thinking White House but a comparison is being made to another governor who got crushed when he tried the same thing.  Author Salman Rushdie is in the hospital after being attacked on stage.  Santa Ana winds are bad enough now but a new study says they could get even worse. We go In Depth into what that means for our future Winters.  Have you heard of "quiet quitting?" It's a new term for doing a lot less at work. But that could be good for you. We explain.  To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Tim Conway Jr. on Demand
Hour 4 | Taking Care Of The Skeeters @ConwayShow

Tim Conway Jr. on Demand

Play Episode Listen Later Aug 12, 2022 35:03


Mosquitoes suction / Mosquitoes season // Santa Ana Mosquitoes problem // Anne Heche not expected to live / Anoxic brain injury / Anne Heche on relationship with Ellen DeGeneres// Anne Heche details of crash

Guilt Grace Gratitude
Harry Lee Poe | The Life of C.S. Lewis

Guilt Grace Gratitude

Play Episode Listen Later Aug 11, 2022 61:31


Looking for a Reformed Church in Orange County? Check out Santa Ana Reformed (a United Reformed Church plant) meeting Sundays at 2 PM at Davis Elementary School in Santa Ana! Contact us: santaanareformed@gmail.com Please help support the show on our Patreon Page! Check out the ESBT Series & NSBT Series from IVP Academic! Get a copy of the Family Worship Bible Study, The Works of William Perkins, & the RHB Store! Interested in further study of the Bible? Join us at Logos Bible Software. WELCOME TO BOOK CLUB! Harry Lee Poe (PhD, The Southern Baptist Theological Seminary) who serves as the Charles Colson Professor of Faith and Culture at Union University, where he has taught a course on C. S. Lewis for over twenty years. He is the author of twenty books, including The Inklings of Oxford and C. S. Lewis Remembered, as well as numerous articles on Lewis and the Inklings. Poe hosts the annual Inklings Weekend in Montreat, North Carolina, and is a regular speaker on Lewis at universities and other venues worldwide. We want to thank Crossway for help setting up this interview and providing us with the necessary materials to interview Joni! Purchase the book(s) here: Becoming C.S. Lewis: Experience C.S. Lewis's Captivating Life with the Complete Biographical Trilogy Have Feedback or Questions? Email us at: guiltgracepod@gmail.com Find us on Instagram: @guiltgracepod Follow us on Twitter: @guiltgracepod Find us on YouTube: Guilt Grace Gratitude Podcast Please rate and subscribe to the podcast on whatever platform you use! Looking for a Reformed Church? North American Presbyterian & Reformed Churches --- Support this podcast: https://anchor.fm/gggpodcast/support

The Remote Real Estate Investor
From the restaurant business to single-family to multi-family real estate investor

The Remote Real Estate Investor

Play Episode Listen Later Aug 9, 2022 33:05


Gino Barbaro is an investor, business owner, author, and entrepreneur. As a real estate entrepreneur, he has grown his portfolio to over $100,000,000 in assets under management and is teaching others how to do the same. Gino Barbaro is the co-founder of Jake & Gino, a multifamily real estate education company that offers coaching and training in real estate founded upon their proprietary framework of Buy Right, Manage Right & Finance Right ™. When starting their real estate investing career, most investors initially think about buying a single-family property (whether that's one home or a condo) and renting it out. Multifamily, though, is an entirely different story. Few people have experience buying an apartment building, let alone being in charge of running one. How does multifamily compare to single-family investing? In today's episode Gino shares insights on being a multifamily entrepreneur and syndicator.   Episode Link: https://jakeandgino.com/ --- Transcript   Before we jump into the episode, here's a quick disclaimer about our content. The Remote Real Estate Investor podcast is for informational purposes only, and is not intended as investment advice. The views, opinions and strategies of both the hosts and the guests are their own and should not be considered as guidance from Roofstock. Make sure to always run your own numbers, make your own independent decisions and seek investment advice from licensed professionals.   Michael: Hey, everyone, what is going on? Welcome to another episode of the Remote Real Estate Investor. I'm Michael Albaum and today I'm joined by Gino Barbaro, and he's going to be talking to us about being a multifamily entrepreneur and syndicator who used to be a restaurant owner. So let's get right into it.   Gino what's going on, man, thanks so much for taking the time to hang out with me today. I appreciate you coming on.   Gino: Michael, thanks for having me on. It's gonna be a lot of fun. We're going to talk a remote investing seems like an all you single family, people out there. Come over to the dark side. The dark side is multifamily. I know it's the pie in the sky out there but trust me if the pizza guy and the drug rep can do it. Anybody can do it, Mike.   Michael: I love it, I love it. You know, so I know a little bit about your background. Give all of our listeners who might not be familiar with who you are, where you're coming from, and what is it you're doing in real estate today.   Gino: When people ask me that my wife always says Gino, you need to expand upon your background and I'm like, I hate talking about myself and I could spend the next 30 minutes talking about myself because I'm not a young dude anymore but real quick. I'm gonna give me the 32nd overview. I got into real estate, probably out of college family. I went into the restaurant business and it was awesome. The first 10 years the restaurant business back in the early 2000s. Late 90s was phenomenal every business was great back then you could actually have an you know, a middle class lifestyle that way we were having a small business 2007 hits my father passes away and I went to work with my dad since I was eight years old. So I was in the business with him. I saw him every day and at that point, I start saying to myself, and I've shared this story a couple times in my living his dream or is it really my dream coincided with the Great Recession of 2008 all of a sudden, I'm working harder.   I've got freaking GrubHub I've got Uber I got all these things delivering you can buy Taco Bell for three bucks was gonna come on by Geno's pizza. You know, I mean, the competition was fierce. I was losing the appetite for business because I didn't have a business. I basically had a job. How many of you out there feel like that have a small business and I didn't understand core values. I didn't understand how to scale a business. I had one restaurant, and I met Jake. Fortunately, in 2009, he was a pharmaceutical rep getting food out of my restaurant and delivering it to doctors' offices but that was starting to end because of Obama's Sunshine Act. So that started waning and Jake says to himself, I'm leaving New York, I'm going to Knoxville Tennessee, and me is the proud New Yorker says where's Knoxville didn't know where it was back in 2009. I didn't and he goes down there. I would open a laptop. I'm like, dude, you got some deals down here. Let's start looking at deals and at that time, I was fortunate because I just started my mentorship program. I started investing in education. I knew the business aspect of it. I had done a few deals prior that were terrible. They weren't real, they weren't multifamily. There were other real estate deals and that's why I decided to really get focused on the education aspect of it. In 2011, we get together and partner up, it takes us 18 months to find that first deal. We closed our first deal in 2013. The rest is history in like five years, we were able to close 1500 units and we're sitting at around 1600 units right now with you know, one syndication and the vast majority of our portfolio is owned by just me, Jake, and my partner, Mike and some of our, you know, employees are investing in our deals but you know, I guess probably the most important thing I left out as I've you know, husband, wife, a six, my wife, we have six kids, homeschool of six kids, I've got a 23 year old down to a seven year old and you know, everyone always asks, what's the why do you do what you do?   You know, always said that's the big question, Simon Sinek and for me, it's not really anybody can say family and it's really important, obviously, the family. But for me, I wanted my kids to have a really healthy understanding and a healthy relationship with money. I wanted to be their role model, I wanted my kids to see me that I love my job and I want to sit here in the studio, love what I'm doing. I also want my kids to see that we can create impact in our lives and really work towards our sole purpose and I saw that as multifamily as being that that vehicle. Now if I was educated enough where I was more intelligent enough younger, I could have done that with the restaurant. I just didn't know how to set up the business and with the restaurant, I still would have had to work on the weekends, I still would have worked the holidays. It was a different lifestyle. So I think multifamily is just gives you that amazing lifestyle. It gives you the generational wealth and it's also given me the ability to create legacy skills for my kids. I'm not going to give my kids a pile of money. I want my kids to work and to learn those skills and to be able to say hey, dad, you know what real estate really is a business so you can become an entrepreneur doing this and here's what you need to do and I want to translate those skills into my children and as well as the Jake and Gino community. That wasn't 30 seconds Mike I'm lying. It was probably about six minutes but I try I'd my best bro.   Michael: You're pretty close. So, you know, rewinding the clock a little bit, you said you did a couple of deals that didn't go so well, and then you kind of ended up in multifamily. So talk to us a little bit about what those deals were and then how did you end up with multifamily, like, how did you come to that conclusion?   Gino: A person with money meets a person with experience, the person with the experience gets the money and the person with the money gets the experience that was made in the first two deals and, you know, it's one of those things where one of our coaches says you either pay for your education in the classroom, or on the streets and unfortunately, I paid on the streets and looking back at it, it was, it wasn't my fault. The first deal, my partner was terrible. He was probably bordering on criminal, we had a syndication going on, but it wasn't a syndication but at the end of the day, I am 100% responsibility junkie. So it was on me not to do due diligence, it was on me not to flower to the property, it was on me to invest in a deal. So even though it was his mistake, ultimately, I had to take responsibility and that was a shift back in 2008. When I read the book by T Harv, Secrets of the Millionaire Mind, I understood that your fruits are in your roots and if you don't take responsibility for your actions, I mean, shame on you. I mean, I made a big mistake, I should have never invested in that first deal. That didn't stop me again. It's my second deal in 2000, late 2006 had extra money lying around, we bought a building up in New York, what are the wrong part of the cycle, wrong market, blah, blah, the list goes on and on made a huge mistake on that and then I ultimately said, Listen, I've got a four Plex that I invested in years ago. I liked the small multifamily. I can do it part time while I'm working the restaurant and I like dealing with residents and it's an asset class that I understand renting out. I don't know anything about commercial leases. I don't know anything about mobile home parks. I like the basic human need, its food, clothing and apartments. I like that my brain can understand that and that's a pivoted me over multifamily and didn't know anything about syndication.   They just knew that if I keep buy a couple of these a year, refinance my money out and continue to, you know, build a portfolio, there was no burr that you know, 10 years ago, 50 years ago, there was just a refi and roll. That's what we call it and that's why I got into it and I love the model. I love the simplicity, I could do it part time. I didn't want to get into single family homes, because I didn't want to fix and flip I had the job already. I'm like, how can I pay for my kids college and how can I pay for my retirement and how can I pay for their weddings and I'm like, well, I know what wealthy people do. They don't save for the event they save to buy an asset and that's why that's what ultimately shifted my mind and are they I'm gonna buy these assets. I'm going to start building wealth and I'm gonna let these assets pay for these events and that's why to me multifamily was a natural fit because I did not want that nine to five fix and flip mentality, work all that I'm already making transactional money, how do I get that equity and how do I build my wealth at the same time and I thought multifamily was a fantastic vehicle.   Michael: I love it and just for our listeners, let's clarify something when you say multifamily. What is it that you mean because there's obviously the small multifamily and then commercial multifamily. So it's clarify for us, what do you mean?   Gino: For multifamily to me, it can be duplex, you can go out there and buy duplex that's a multifamily to me maybe if it's for commercial purposes, five units and more is commercial. But crap. I mean, I bought a four Plex back in 2002. I sold it in 2019. That little bad boy cash load for me every month, I use it as part of my business one of the garages, I was paying myself 1500 bucks a month for to rent it because it was a it was a storage unit there as well. I would store the stuff in the restaurant there, I had rentals coming in, I was able to leverage it where hey, you have to plow that driveway, you plow my driveway, give me a break. So that four unit paid me really well over the years I use that as far as cost segregation went. So you stack a few of those little multi families and the sky's the limit and I want everyone to really think about this process that we were talking about. I'm talking about the conveyor belts, we were coming out with this trademark. It's called conveyor belt of real estate and what it is it's an imaginary conveyor belts in front of you picture in your mind, you're starting to buy assets, or you're starting to stack these assets on this imaginary belt, and it can be a two unit. Then next year, you buy a six unit, then it's a 12 unit and as these assets start to matriculate, and you start to get equity out of them. What do you do with them, you either refinance them out, pull the pull the equity out, and put it into the next deal, or you sell it, or you continue to hold it but you want to start putting assets in that conveyor belt. It doesn't matter how big they are, it matters how well they're going to do for you and just starting, if you're waiting to buy assets, you're waiting for the next correction, it's never going to come you have to be ready when you're ready. I was ready in 2011 with Jake, I said I'm done. I need to start and in 2013 everyone's like oh the deals are great back then GDP suck. It was a 1% rents back then for a one bedroom worth 350 bucks. Now rents that same apartment complex for 995 plus rubs because we still own it. So evaluations have exploded. There was no syndication back then. You couldn't you couldn't read was money back then who nobody was giving you money to buy multifamily cap rates were high, because there was a lot of risk in the market because the economy was terrible. So don't blame circumstances or where you are in the part of the cycle. Great Investors, whether you're in the stock market, real estate, self-storage, you're making money on them when the market goes up and when the market goes down.   Michael: Yeah, no, I love that and you know, you said something that I want to come back to because I love the strategy. But you said rubs rent plus, rather in Santa Ana five plus reps, what is rubs for all of our listeners,   Gino: Sorry about that. So rubs his ratio utility billing system and what happens is a lot of these Mom and Pop owners when they have a property, and it's all bills paid, so let's say a little 10 unit apartment complex, and there's one water meter, well, the owner traditionally pays for all of the water on the on the property, because there's no separately meter. So instead of separately metering it, what you would do is you'd buy the property, and then you say to yourself, okay, the water bill is $1,000, there's 10 units, I'm going to split up and pro rata share each one of those and let the residents pay for that and it doesn't seem like a lot of money. But if there's 10 units, and let's say the water bill is 50 bucks per unit, 50 bucks times 10 unit is $5,000 a month of 50 bucks times 10 is $500 per month, and then times 12 is $6,000 a year. Now, $6,000 a year at a 10 cap is $60,000 in value at a five cap, it's $120,000 that you've just created in value on a little 10 unit apartment complex.   Do you think you can get rich doing that once every couple of years? How many pizzas do you need to make to make 120 grand? You don't know, I know there's a lot of flour and a lot of sweat doing that. So there's so many ways to make money in multifamily and that's just a little 10 unit apartment complex. We've done that with 300 unit apartment complexes where all of a sudden, you're billing back. That's your billing, you can't build back more than what you're collecting. But you can build back for water sewer garbage trash, so you can collect it all back and obviously if the market allows it in Knoxville, Tennessee, where we are, it's traditional up in New York, we can't do that I had an oil tank for a four unit complex and my four units. That was just one heating bill. So what I did it I raised I raised the rents on average about what it was costing me to do that. So either way, you need to get it back to the residents, because they're the ones who are utilizing it and obviously, the most amazing thing happens socialism doesn't work. All of a sudden, they're seeing that they get no water bill, guess what? Water consumption goes down. So not only is it good for you, it's good for the environment, people.   Michael: Yep, no, I love it. I love it and people always make the joke, you know, the owner is paying for the heating in the wintertime, windows open heats on 80 degrees in the house and it's like come on.   Gino: And that's it's real, Michael that that I mean, I drove by that place on or when I had it back in 2015. I drove by one day putting stuff in, it was 22 degrees out in New York and I see the window up and I go up says I go Bros and they're like, Hey, there, it was 84 degrees that throws in Jamaica or something. I'm like guys, really, and they're not paying for the heat, because just kicking along. So for those of you out there, what I ended up actually doing was I ended up bringing the thermostat to the basement and putting the thermostat in the bait leaving the thermostats upstairs, but putting the control downstairs in the basement. So I had the control set. So then they couldn't touch with the controls and I was I was able to control all of those three apartments from that thermostat that was located in the base because after a while, it's like you get fed up with it and that same apartment complex I had all of the electric on one electric meter for the three units and I would always drive into that place my father would always tell me show you that the lights on the old Italian guy, the lights on the Dekoven are what are you gonna do? I'm like, Dad, I paid I paid the electrician six grand they get it a whole new panel and everything and that was the best six grand respects I shut my dad off.   Actually got I actually got electric consumption down. I pushed the electric onto them. So there's a ways that you can you can you can, you know, save the multifamily and you talk about a single family home, you can do that with one unit. But can you imagine if you have a 50 unit complex, are 100 unit complex. I think with entrepreneurs, the more problems you solve, the more money you're going to make. So the more residents you serve, the more units you have, the more money you're going to make and that's the dawned on me when we thought when we bought our first 25 unit property it was like wow, I 25 units in one location Jake is doing his pharmaceutical thing I'm doing my pizza thing. We can manage all 25 of those units, you go to the complex once and collect rents there you're showing units there. Every unit is very similar. So it's very easy to scale that you know where the hot water heaters are, you know, where the you know, one or two roofs on the property one or two landscapes grasses to cut hot water heaters. It's all very similar. You're buying basic boxes, and it's so easy to manage and it's so easy to scale that model as opposed to single family homes. Now if you're doing single family homes, congratulations because we've got a bunch of students in our community. I mean, there's one guy Andy and Scott, and they're both from Scotland. These guys amazing. They bought 100 they're up to 100 single family homes and it dawned on them maybe I could be doing something different.   Amazing, they're managing themselves and they still got a W two job one of them, kust the I don't even know how exactly, it's amazing. But to do all of that, you could have bought 100 unit complex and had the same scalability and had the same results. But you don't know what you don't know and that's what happened, me and Jake, we thought, hey, four units, let's do that we're great. 25 units, great. But once you start buying these assets, you start seeing, and I'm sure a lot of your guests have said, this is just numbers on a paper, right? That's really what it is, your behaviors are belief driven. If you think you can buy a 20 unit, you can, if you think once you've done that, you're like, oh, I've done that. Let me push the envelope and go to a 40 unit, then you can believe you can do it, then you'll end up achieving that it really does limit us sometimes when you think you can't do something is everyone's always saying to me, well, what's one of your regrets. One of the regrets was I should have probably started buying 100 units early on, but I didn't have the skill set, I didn't have the mindset to do it. So wishing I would done something and actually doing it are two completely different things.   Michael: Yeah and I think that makes a ton of sense and I'm a big believer in that too. But do you know, let's touch on like the mindset, because so many folks in our community, both on the rootstock side in the Roofstock Academy side, are very comfortable with single family because they understand it, they lived in one or they've owned it as their primary, they maybe never owned an apartment building or maybe I've never lived in an important thing. So if for whatever reason, there's this mental hurdle that needs to get overcome to make that leap. What does that look like and what have you seen work for people in describing and kind of coaching people through how to make the leap from single family to multi?   Gino: Michael, that's a great question. If I had to stop and think for a second, I think multifamily tends to be more of a team sport, or a single family, people are more comfortable owning three, or four, or five or six, and they're doing everything themselves and unfortunately, there's a book called Built to Sell when you're buying single family homes scattered about you don't have anything really that's I'm not saying that that's sellable, you can still package it. But there's not an intrinsic value. As far as if you're having these apartment complexes, where you're looking long term and saying, hey, I have this 40 unit here, this add to here, much easier to sell, they're more of a business and it's the much higher multiple. When you're looking at it, I would say if you're really afraid of getting into the multifamily space, first thing I would always recommend everybody to do is what I did, I just go out there and pay for your education. I say invest in education, but find a mentor, find a group, find somebody who's doing it at a high level that you really respect that you really admire and the accountability piece that comes with it. Once you spend money on that you're going to show up for those calls, you're going to come to these events, you're going to do the work you got you're going to follow through with what the coach tells you to do, because you've invested in it.   I think the other thing is start small, I would say think big think as big as possible. But start with a two unit or a four unit. It doesn't matter how big it is. It just matters that you buy something and my other thing is I will probably would not be here if it wasn't for my partner, Jake, I had an amazing partnership and for us, we only needed just me and him. It wasn't anybody else. It was just the two of us. There's groups in our community that have three, four or five people on because one's a capital raiser one's boots on the ground, one's an underwriter, one loves to talk to investors, just start out small and start out if you can't do it yourself, find somebody who's going to hold you accountable. Find someone who has, you know, their, your values aligned with each other, find someone who's going to want to be into multifamily for the long term, instead of someone who's jumping around in crypto and next week is self-storage and the week after his mobile home parks really playing your flag and multifamily, give yourself a couple of months to do the homework and then go out there and start networking and selecting that market is very, very important and once you select the market, start networking with brokers, and you know if you're in a community with other community members who are investing in that market, and like I said, it's important once again, start small, you don't have to start with an eight unit complex. Start with a duplex a quad and what I've seen from students and myself and Jake, you know, very similar, you'll start with a two, then go to a six, then go to a 20 unit, then when you're 20 units, you're like I don't have any more money, well, maybe you'll refi a deal out or you'll start syndicating and raising capital for a larger deal. I think the quote from Mark Twain I always I always mentioned it's not what you don't know that what hurts you. It's what you know, for sure. That just ain't so and what I really mean by that quote is that people like well, you need money, and I don't have any money, or I don't have a balance sheet to get into multifamily and I mean, did Mark Zuckerberg stop from creating Facebook because he didn't have money. He had an idea. He had no money. Michael Dell, Bill Gates, a lot of these entrepreneurs didn't have the money, but they had the idea and they have the experience and they had the systems and they had the knowledge. If you're gonna get into multifamily learn the business itself and if you can understand how to create value in that space, you'll learn how to raise capital for these deals, and you will begin to bigger deals.   Michael: I love it, I love it. Do you know let's talk to that was it Andy and Scott, who are two of your students that have the 100 single families? Yes, talk to the Andes and Scouts of the world for just a minute and they understand clearly the single family mechanics how to buy single family homes. So what we love on the show is really actionable steps and takeaways things that people can go really chew on. So what are the physical mechanics that are different rent for somebody if they want to go buy that quad. It's like I understand single family, what do I have to do differently to go and get into a quad?   Gino: Andy and Scott did something that I don't think a lot of people in the single family space and very few people in the multifamily space do. They have a certain buyer criteria that I don't even think they understood themselves, they were buying a specific house in Section eight with a specific tenant and a specific area with a specific unit mix and I looked at your portfolio and like wow, you guys own very similar with using creative financing. I mean, it's amazing how dialed in they were for us when students start learning the process and this should be for your single family home investors as well or any market real estate market niche understand where you are in the market cycle, we call it the three pillars of real estate because this is really important and no take notes on this because this translates I think throughout all niches real estate, the three pillars are market cycle, their debt, and their exit strategy and you have to understand where you are in the market cycle of your specific market. Because back in 2013, that was a buyers' market cycle, back then you're buying anything you can you're buying old assets, new assets, old assets, because they're cheap, and there's a runway for you to make money on them. So you can fix them up, buy them cheap, fix them up, and then sell them.   It's very similar to the single family space, as the market cycle gets longer, and there's more risk and these assets are getting older, the older assets, those older houses are probably just as much as expensive as the newer houses. So why buy the older houses with all that capex and all that work, where you could buy something a little bit newer, and you're going to hold it for a longer part of the market cycle. So understanding where you are in the market cycle will help you formulate what you're buying. Right now we're buying assets that are newer, we're buying assets that are in really good parts of the market, because the market cycle right now, if there's a downturn, guess what you're gonna have to hold on to this deal a little bit longer than what you thought I'd rather buy an asset that's a little bit newer and that's in a better market part of the market cycle and a better part of the market than something that's older. So we've transitioned into that. I would also say that exit strategy, understanding what you're going to do with this, you know, a lot of people buying these homes, what are we doing? Are we going to keep them for the next two years? Are we gonna flip out, people just buy a deal because they think it's a great deal? Well, every deal, as our coach Bill Hamm says, you know, wheels up, you're on the air, he's a pilot, you're flying that plane, you don't have to take off, you'd have to buy the deal. But once you buy the deal, that deal is gonna land sooner or later, you're you know, it's either crashing down crashing, you're gonna get foreclosed on, you're going to sell it, you're going to refi it, whatever that looks like. So understand what your exit strategy is and then let's talk about what the debt component is because once you know what the exit strategy is, are you getting bridge debt? Are you getting community debt? Are you getting agency what we talked about Fannie and Freddie and these bigger multifamily deals? Is it going to be shorter term debt, long term debt, we're even using credit unions. Credit unions are really big in this space and multifamily is all of a sudden they've seen they're not banks, they're nonprofit. I don't know how they make their money, but they're getting their way into it and it's really a big viable option.   But once you've taken all that into consideration, you're looking at the three pillars of real estate, you're looking at market cycle, debt and exit strategy. Now let's chunk down what kind of assets you're buying in multifamily, specifically and even single family, what kind of homes where are these homes located and for us, we like to look at median income, because we're looking at median income, we can figure out what kind of renters there are, when we've made mistakes on deals, it's when the median income is lower, it's mid 30s 35, 40. That's when we have problems when we're buying in those areas that are marginal, because unless you know the path of progress is going there, meaning incomes gonna rise. That lower median income means you can't raise rents as much it means the quality of the resident is harder, there's more return on effort. There's so much effort involved in that asset. So be wary of that. So we're looking for specific median income, at least 50 grand we're looking for our for our specific, you know, niche. We love two bedroom townhomes. So if you're if you're a single family home investor, okay, I want to look for three bedrooms, two baths $50,000, median income, this part of the city I like garages, whatever that looks like. So figure out what for your criteria is because when you're looking at a deal, you can just check it off and say that doesn't fit my criteria or hey, I liked this deal. Even more importantly, when you're talking to brokers, you can push it out to all your broker friends and say when this kind of deal comes across your table, call me up and getting crystal clear on more, I guess buyer criteria. We love assets that have amenities in the multifamily space washer dryer hookups, for some reason are really huge.   So maybe in the single family space, hey, you want to have a place with a pool, maybe a little patio, Little Dog, a little enclosure place for the tenants, or maybe having washer dryer hookups in the single family home and offering that amenity as well. So figure out what the criteria is what kind of asset you want to buy. I think that'd be really helpful for anybody, whether they're buying single family homes, whether investing in self-storage, or multifamily and this criteria is going to change. That's why you really need to stay educated because market cycles change. As the market cycle changes. You're going to you're going to be buying assets that are different because as the as goes from a seller's market back to a buyers' market prices are going to drop, you're gonna see those see assets come down in price, maybe. So looking at those assets more you can pay it's a function of price. If you can pay less for an asset in those buyers markets, you're more willing to buy an older asset because your capital requirements are still there. But you're still able to make money because there's a bigger, bigger, bigger price range where you can go up holding these assets for a little while and refine them is really important in our strategy as well, I did it.   Michael: Gino, you said something that I want to circle back to you were talking about the exit strategy and I love the pilot analogy that you shared a question for you if someone is listening to this, and they're just getting started and they understand that real estate investing is great. It can be powerful to understand the fundamentals. But maybe they're not sure what their exit strategy looks like. They can't think that far ahead. Should that person wait? Is that person not educated enough in your opinion or should they? Are they okay to figure it out on the fly?   Gino: That's a that is a good question. I started not understanding it myself. So don't let that hold you back. I you know, the thing is we it's so hard to be an entrepreneur and to be an investor and to how we will we call the long term mindset, we created a brand called the 100 year real estate investor because what me and you're doing right now, our actions are affecting our kids and our grandkids. That's the reality. So if you're waiting to buy multifamily, you wait five years, well, that's five years that you could have owned something and waiting and waiting and waiting for me. When you buy an asset, it depends on the size of the asset. If you buy a $50,000 home, there's less risk in that than investing in a $70 million multifamily. So it depends what you're starting on as well. Also, that's the that's the important thing. But getting clear on why you're choosing real estate. I mean, why real estate? There's so many vehicles out there. There's so much out there. Real estate is a business and I think people don't understand that I didn't for a long time i Our slogan Jake and Gino as we create multifamily entrepreneurs, that that's the reality when you buying real estate, you're buying an asset, but you're also buying a business. How many investments can you do that with if you can think about it, you're buying a stock, you're just doing an investment as a stock.   But with real estate, you can become a real estate professional, it can really help you immensely on your taxes, you're actually buying assets that you start asset, managing it and looking at it from the from the investors perspective, and you're able to scale up and start hiring people. So you're building the business and then from that, you're able to create multiple streams of revenue from that one asset. So if you have 30, single family homes, you're out there, you're like, wow, okay, I've got 30 singles, I can start an education platform. I can start writing books, I can start doing YouTube videos, I can partner up and I can start lending private money, I can start doing hard money. I can have a little fix and flip business going on. I can get my broker's license, Title Company, why don't I partner up with Sony's as a title company all these different streams of revenue coming from that single family home portfolio. We did the same thing with our mobile with our multifamily portfolio, we started the education company, we started a syndication company raising capital, we have a development company now that will start building multifamily assets. We have 100 year company that we're selling whole life insurance to our you know, students as well to be able to invest in multifamily. So I think when you're looking at real estate, and you haven't started yet, it's an amazing business, learn the whole entire business and the and the opportunities that it gives you because that's why I want people to stop investing in single family and get into multifamily, because you can start hiring out a property manager, you can start hiring out maintenance techs to help you with that part of the business. That's very important but I mean, should you be changing toilets. I mean, when you first started, obviously, when you have six to seven units, you should be really going out there paying somebody to do that and your value is an underwriting deals, your values and talking to investors to invest in your next deal your values and creating another business that aligns with multifamily not doing those tasks that really pay 30 or 40-30 to $40 an hour, which is probably a lot in a lot of markets. But still, that's not what you should be doing. You should be focusing on those bigger tasks.   Michael: I dig it, I dig it. Gino, one more question. Before I let you out of here. You talked about being familiar and aware of where we are in the market cycle or where you are as an individual as an investor in the market cycle. Where are we right now?   Gino: Michael, this is one of the weirdest economies that I've been ever involved in and I'm a lot older than you I just don't when a recession. Can we define what a recession is if you're a Democrat, right? The definition if you're a Republican, you're screaming bloody murder. I'm an entrepreneur. I'm trying to figure out where we are. We've added so many jobs but yet companies are talking about laying jobs off. I just don't get a it's a such a dislocation, the supply chain. I try to buy a car a year out from buying a car, airplane tickets or double hotels or not avail I just I can't figure it out. But I think long term. I'm always bullish on the economy. I'm always I know there's there will be a way for to figure it out. Because if the person is not doing the job in office, that's why we have elections every two years. They're going to vote them out. Someone else is going to come in and things are going to change. I think long term real estate is will always be the place to be because it's an inflation hedge my rents are going up the same amount as inflation is going up or rents have been going up the unfortunate thing you've seen what's happened with the middle class, the middle classes get a paycheck. They've got you know, raises of seven, eight 10%.   A person who owns $50 million in real estate, their portfolio has gone up 10% In the last five years or whatever, they're up 5 million bucks. So it's you know, you have hard assets when all this money has been given to banks, what do banks do with this money, they lend it to people who buy assets, so assets have just gotten this natural swell. So if you're looking at it from the equity perspective, it's amazing and like I said, it is a basic human need demographics are such that the build to rent space has gotten huge because people don't want to buy homes, they want to be able to be you know, wanna be able to move wherever they want to their job trips over, they don't want to fix screen doors, they'd rather rent and that's really bodes well for multifamily and further for the rental space going forward and there's not enough there definitely is not enough of a supply of rentals out there and you saw what happened with rents in the last two years are up. You know, Knoxville alone was up 20% last year, year over year in one year because there's just not enough just be aware of where you're investing. I mean, I think areas that have job growth and population growth are always going to stand out. We love the Southeast Conference. You know, Tennessee, Florida, Carolinas Georgia, great part Texas. You know, everyone says Texas is booming as well. parts of Arizona are doing really well wherever you see migration wherever you see people moving to I would say you know bide here and Michael if you ever speak in the next five years anyone listening to this I'm sure even if they paid a little bit too much for the real estate today. They'll be happy five years from now that they invested in the deal today.   Michael: Love it Gino as we get you out of here if people want to learn more about you continue the conversation learn more about multifamily where's the best place for them to get a hold of you and do that?   Gino: Just go to https://jakeandgino.com/ , we've got an event coming out November 5 and sixth it's in it's in Orlando. It's our fifth conference multifamily mastery five we had 900 attendees there last year. I think this year we're going to top 1000 and it's just an awesome place to get with people who are doing deals who are raising money who are networking you're gonna find your next partner there we've got amazing speakers as well so just go on the Jake and Gino website figure out if you've got the ability we call on it. We always call it the financial vacation for smart people because you're gonna be down at Disney you gonna be hanging out with people and it's great. You bring the kids nine to five you know during the event afterwards you're at the resort you go to Disney so that's our flagship event for the search go to https://jakeandgino.com/   Michael: Awesome. Well, Gino you know, hey, thanks again, man for taking the time. This was super fun, really insightful. Definitely look forward to continuing conversation.   Gino: Thanks, Michael. Appreciate it.   Michael: Hey, you got it, take care.   Alright, everyone. That was our episode a big thank you to Gino for coming on and sharing some really great wisdom with everyone. For anyone who is interested in the space. Definitely go check out Gino and Jake's websites and as always, we look forward to seeing on the next one. Happy investing…

Breaking Walls
BW - EP130—005: Philip Marlowe Comes To Radio—Marlowe Launches With Red Wind

Breaking Walls

Play Episode Listen Later Aug 9, 2022 40:29


The Adventures of Philip Marlowe debuted on NBC with “Red Wind” on June 17th, 1947. The 1938 short story is set on one of those evenings when the hot, dry Santa Ana wind gusts through Los Angeles, turning the mood sour. The program aired live at 10PM on the east coast, with a second broadcast done at 9PM for the west. The script was adapted by Milton Geiger. Jim Fonda directed. Wendell Niles announced. Harry Bartell played the bartender. Lurene Tuttle was Lola Barsley. The episode also featured Elliot Reid, Bill Johnstone, and William Conrad. By the summer of 1947, Lurene Tuttle was well-known for co-starring on The Adventures of Sam Spade. It was a decidedly different character.