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Photo: No known restrictions on publication. @Batchelorshow #Londinium90AD:  Gaius and Germanicus debate the 1945 American decision to use a nuclear weapon and what it means for a similar Russian decision in 2023: Michael Vlahos. Friends of History Debating Society.

comment your points below! I edited this myself lol it surprisingly took a super short amount of time

Chris Thomas King - The King of the Blues - Chris Thomas King is a multi-Grammy winning blues musician. He's also the author of, "The Blues: The Authentic Narrative of My Music and Culture." The Blues tells the unrealized history, that the genre was actually invented in New Orleans. It's also a fact that most modern music in the US is a descendant of the blues. Names like Buddy Bolden, Jelly Roll Morton, Bunk Johnson, Chevalier De Saint George, Dan Desdunes are among the most important players in the history, not only of the Blues, but of American music. Get his book on Amazon at Chris' history is informed in part by his upbringing working in his father Tabby's juke joint. The oral traditions passed down through the collected living memory of the musicians just a generation or 3 after the spawning of the genre were told at Tabby's. Chris is also a world-class musician. He's not just won multiple Grammys, but had his name announced more than once on the same night!  He's a successful stage and movie actor. He's a prolific song writer and an all round wonderful person. You are going to love meeting Chris Thomas King. Check out the Break It Down Store on Bonfire  Please support the Break It Down Show by doing a monthly subscription to the show  All of the money you invest goes directly to supporting the show!   For the  of this episode head to  Haiku Musician, author Kind of a regular here Chris Thomas King, y'all! Similar episodes:        ​Join us in supporting Save the Brave as we battle PTSD.  ​ ​ Executive Producer/Host: Pete A Turner    Producer: Damjan Gjorgjiev  ​ ​ ​​ ​​ ​​The Break It Down Show is your favorite best, new podcast, featuring 5 episodes a week with great interviews highlighting world-class guests from a wide array of shows.

Boston Celtics Eliminate the 76ers, Are the 2023 Jets Similar to 2022 Broncos?, and More! Hosted on Acast. See acast.com/privacy for more information.

Professional wrestling and politics have more in common than you think. It's not enough for wrestlers and politicians to be themselves, they need to put on a show and connect with the crowd in order to win in the ring…or on the campaign trail. Roy Wood Jr. sat with WWE superstar, LA Knight, and host of the “Cheap Heat” podcast, Peter Rosenburg to break down the connections between these two worlds and take a deeper dive into Knight's preparation for this past April's WrestleMania 39. Original Air Date: March 28, 2023 Beyond the Scenes is a podcast from The Daily Show. Listen to new episodes every Tuesday wherever you get your podcasts, or watch at YouTube.com/TheDaily Show See omnystudio.com/listener for privacy information.

On this week's #NCFNewspeak, NCF Director Peter Whittle & Senior Fellows Dr. Philip Kiszely and Rafe Heydel-Mankoo discuss: * Britain's new Public Order Act was used at the coronation to arrest members of anti-monarchy group Republic. Was that justified? Is the Public Order Act a good way to stop Just Stop Oil & Extinction Rebellion? Or is it a serious infringement of civil liberties? * Ireland's new hate crime bill would see people criminalised simply for possessing content that is "deemed" hateful against certain protected characteristics, including gender, race and religion. Simply having a meme or whatsapp message on one's phone, or a book on one's shelf would be enough to fall foul of this law. It is the most draconian piece of legislation we have ever seen. How long until a similar law is enacted in the UK? * Summary of the NCF team's take on the coronation. --------------- SUBSCRIBE: If you are enjoying the show, please subscribe to our channel on YouTube (click the Subscribe Button underneath the video and then Click on the Bell icon next to it to make sure you Receive All Notifications) AUDIO: If you prefer Audio you can subscribe on itunes or Soundcloud. Soundcloud: https://soundcloud.com/user-923838732 itunes: https://itunes.apple.com/gb/podcast/s... SUPPORT/DONATE: "So What You're Saying Is.." is still very new and to continue to produce quality programming we need your support. Your donations will help ensure the show not only continues but can grow into a major online platform challenging the cultural orthodoxies dominant in our institutions, public life and media. PAYPAL/ CARD PAYMENTS - ONE TIME & MONTHLY: You can donate in a variety of ways via our website: http://www.newcultureforum.org.uk/#do... It is set up to accept one time and monthly donations. ABOUT THE SHOW: So What You're Saying Is... (SWYSI) is a weekly discussion show with experts and significant figures from the political, cultural and academic worlds. The host is Peter Whittle (@PRWhittle), Founder & Director of The New Culture Forum, a Westminster-based think tank that seeks to challenge the cultural orthodoxies dominant in the media, academia, and British culture / society at large. JOIN US ON SOCIAL MEDIA: Web: http://www.newcultureforum.org.uk F: https://www.facebook.com/NCultureForum/ Y: https://www.youtube.com/@NewCultureForum T: http://www.twitter.com/NewCultureForum (@NewCultureForum)

This week our hosts discuss the end of the COVID-19 public health emergency declarations in the U.S. by the World Health Organization (WHO). They dive into what this means for public health and access to vaccines, testing, treatments, and data collection. “The emergency phase is over, but sadly, as we know, COVID itself is here to stay. On recommendation from the Emergency Committee, the WHO is setting up a review committee to advise on the creation of recommendations for countries on the long-term management of COVID,” says Steven Newmark, Director of Policy at GHLF. Among the highlights in this episode: 00:42: The World Health Organization has announced that it is ending the COVID global health emergency 2:11: “The federal government has been supplying COVID vaccines, including boosters free of charge to everyone regardless of insurance. Now, this is not expected to change just yet, but it may change if the government does not replenish its stockpile of vaccines, not to mention its funding for vaccines. So something that probably can't be counted on, particularly the latter,” says Steven 2:55: The Department of Health and Human Services has announced a $1.1 billion public-private partnership to maintain COVID vaccine access and treatments for the uninsured through December 2024 3:56: “Similar to the vaccine stockpiles, when the supply [of antivirals] runs out, manufacturers will set prices for the medications and any additional charge to consumers will depend on individual's health care plans,” says Steven 6:37: Private insurance companies will no longer be required to cover both at-home and lab COVID tests for free 08:06: With the end of the public health emergency, some restrictions around telehealth that were loosened during the pandemic might return 09:08: The CDC will focus less on case rates and more heavily on hospital and death data in the post-emergency phase 10:18: The CDC will maintain travel surveillance, testing wastewater on airplanes to spot new incoming threats 12:20: As the emergency order ends, it's important to be extra mindful about insurance coverage and to check in with insurance providers before getting a vaccine or a test 14:12: What our hosts learned from this episode Contact Our Hosts Steven Newmark, Director of Policy at GHLF: snewmark@ghlf.org Zoe Rothblatt, Associate Director, Community Outreach at GHLF: zrothblatt@ghlf.org We want to hear what you think. Send your comments in the form of an email, video, or audio clip of yourself to thehealthadvocates@ghlf.org Catch up on all our episodes on our website or on your favorite podcast channel.See omnystudio.com/listener for privacy information.

#079 - Are you looking to create a long-term health and fitness transformation while being part of a supportive and encouraging community? Carmichael Caldwell is here to share the solution so you can bring your goals to life! Carmichael's unexpected journey to peak physical fitness shows that anything can be achieved with dedication and a commitment to becoming 2% better each day. Topics Covered:Embrace a growth-centered attitude to facilitate constant self-developmentGrasp the critical role of self-discipline, sincerity, and self-evaluation in goal accomplishmentAdopt the 2% better approach to create lasting lifestyle advancements.Develop a nurturing community for sustaining fitness enthusiasm and overcoming obstaclesToday's GuestCarmichael CaldwellCarmichael is an American nomadic entrepreneur, philanthropist and runner splitting time between the United Kingdom, Europe, and Africa. Given his hectic travel schedule, Carmichael found his passion for running through his desire to find a sustainable approach to fitness that was location agnostic and provided a low barrier to entry. Carmichael has lost over 50 lbs and inspired others through his 2% better philosophy to increase their fitness and take a sustainable approach in general to accomplish their goals. As an entrepreneur, Carmichael leads a sales consulting firm helping B2B technology companies sell their products to large Enterprises and is ideating on a new project in the health & wellness space. Similar to his passion for travel, behind his computer Carmichael travels through his SDR network and software development teams based throughout South America & Eastern Europe where he spends parts of the year.Follow Carmichael:Instagram - @carmichael_iiiResources:Inspire to Run on Instagram - @inspiretorunpodcastFree Guide - Kickstart your Fitness in 5 Steps8 Week Fitness Coaching Program with Underdog FitnessSign-up using code INSPIRE10 for 10% off Rate, Review, & Follow on Apple Podcasts“Inspire to Run Podcast is truly inspiring!”

In this episode, I talk about integrating the beliefs that we are: 1) happy, free, whole and complete, and 2) everyone and everything is connected; I also talk about how stoicism and Vedanta are similar in how they suggest living virtuously and being dispassionate about results; I then talk about the human fear of irreversibility and how it drives our behaviors.

Memories need to be deposited into your soulful currency account at all times. Similar to how people go to work each day to make money to deposit into their bank account, we must deposit other forms of currency. I live and breathe this! Which is why for my birthday this year, I wanted to recreate one of my fave childhood memories and that was taking... Read More The post 200: We traveled across Canada…… first appeared on You Are 1 Of 1 - Check Out Ryan Holtz's Podcast.

Have you heard of the recent closure of First Republic Bank? Similar to Silicon Valley Bank, First Republic was placed under FDIC control and then quickly sold. In this episode we'll cover why this happened, who bought First Republic, and what happens next.   Join Me on YouTube! https://www.youtube.com/c/PopcornFinance   Want to submit a question to the show? Send an email to questions@popcornfinance.com Send me a message at PopcornFinance.com/Voicemail or Call 707-200-8259   Connect with me Instagram | Twitter | Facebook | YouTube | TikTok   Thank you for listening to today's episode! Help support the show by leaving Popcorn Finance a rating or review on Apple or Spotify!  

We all want to enjoy our time off.  However, as leaders, there is often this nagging feeling like we're missing something or we are going to be needed for an important decision. What follows is an endless parade of checking email, texting co-workers, checking email, thinking about the work left undone, checking email…   When does it stop?  When you proactively put a plan in place to identify the things you SHOULD be contacted for vs the items your team should be able to handle. In this episode, Matt and Josh talk about defining your DEFCON, operational communication, and empowering your team. Defining your DEFCON   "If I am going to hear about this from external sources, then I want to hear it internally first."   You're getting ready to leave for an extended period of time and tell your team, “Only contact me if there is an emergency.”  However, your version of an emergency and their version rarely line up - without some conversations and expectations.   Defining your DEFCON refers to creating a system or tiered approach to emergency or off-time communication. Similar to measuring a nuclear threat, you can assign DEFCON ratings to various situations that may or may not require your intervention. DEFCON 1 (worst case scenario) could be a team member or guest injury, a 911 call, or social media event about to go viral. You NEED to know and possibly act on these situations. A DEFCON 5 (lowest priority) could be a routine guest complaint or needing toilet paper. Your staff should be able to do these things and do not require immediate attention.  Operational communication   "It's not just about delegation, it's also about communication."   Defining when and how to communicate goes beyond preparing for a vacation; it should be the rule for figuring out the best way to run your operation. With so many communication methods and strategies available, there is no reason for someone to be out of the loop.   As you are defining your DEFCON, you are likely identifying areas of the business that your team should be able to handle but maybe can't. This gives you a great place to start regarding tasks and processes you should discuss with your team. This not only prepares them for your absence, but ultimately this process strengthens their individual skills and builds the confidence needed to function without you. Empowering your team   “Fewer employees having more autonomy means we HAVE to empower them.”   Teaching your team how to handle situations requiring more and more responsibility not only increases their aptitude and confidence but also gives them a greater sense of ownership and autonomy. The true definition of empowerment is to literally give power to another person - you are doing this by teaching a skill and trusting them to carry it out without your supervision.   Whenever you empower someone, the results may not come out as you thought. Maybe they are better, maybe they are worse. If they are better, celebrate and recognize your team for improving a process or practice.  If the results are not what you expect, then this would trigger a coaching conversation where you can discuss the decision-making process and actions taken.  This podcast wouldn't be possible without the incredible work of our amazing team: Scheduling and correspondence by Kristen Karaliunas   To connect with AttractionPros: attractionpros@gmail.com

As the hunt for the white hyundai elantra continues, Fox news has unearthed records detailing all of the hyundai's that have registered with the university for parking since 2018. That number? 90.Let's take a look!(commercial at 8:09)to contact me:bobbycapucci@protonmail.comsource:Idaho murders: 90 white Elantras were registered to park on campus as cops struggle to find vehicle | Fox News

Welcome to The Nonlinear Library, where we use Text-to-Speech software to convert the best writing from the Rationalist and EA communities into audio. This is: [AISN #5]: Geoffrey Hinton speaks out on AI risk, the White House meets with AI labs, and Trojan attacks on language models, published by Center for AI Safety on May 9, 2023 on The Effective Altruism Forum. Welcome to the AI Safety Newsletter by the Center for AI Safety. We discuss developments in AI and AI safety. No technical background required. Subscribe here to receive future versions. Geoffrey Hinton is concerned about existential risks from AI Geoffrey Hinton won the Turing Award for his work on AI. Now he says that part of him regrets his life's work, as he believes that AI poses an existential threat to humanity. As Hinton puts it, “it's quite conceivable that humanity is just a passing phase in the evolution of intelligence.” AI is developing more rapidly than Hinton expected. In 2015, Andrew Ng argued that worrying about AI risk is like worrying about overpopulation on Mars. Geoffrey Hinton also used to believe that advanced AI was decades away, but recent progress has changed his views. Now he says that AI will become “smarter than a human” in “5 to 20 years, but without much confidence. We live in very uncertain times.” The AI race is heating up, but Hinton sees a way out. In an interview with MIT Technology Review, Hinton argues that building AI is “inevitable” given competition between companies and countries. But he argues that “we're all in the same boat with respect to existential risk,” so potentially “we could get the US and China to agree like we could with nuclear weapons.” Similar to climate change, AI risk will require coordination to solve. Hinton compared the two risks by saying, "I wouldn't like to devalue climate change. I wouldn't like to say, 'You shouldn't worry about climate change.' That's a huge risk too. But I think this might end up being more urgent." When AIs create their own subgoals, they will seek power. Hinton argues that AI agents like AutoGPT and BabyAGI demonstrate that people will build AIs that choose their own goals and pursue them. Hinton and others have argued that this is dangerous because “getting more control is a very good subgoal because it helps you achieve other goals.” Other experts are speaking up on AI risk. Demis Hassabis, CEO of DeepMind, recently said that he believes some form of AGI is “a few years, maybe within a decade away” and recommended “developing these types of AGI technologies in a cautious manner.” Shane Legg, co-founder of DeepMind, thinks AGI is likely to arrive around 2026. Warren Buffet compared AI to the nuclear bomb, and many others are concerned about advanced AI. White House meets with AI labs Vice President Kamala Harris met at the White House on Thursday with leaders of Microsoft, Google, Anthropic, and OpenAI to discuss risks from artificial intelligence. This is an important step towards AI governance, though it's a bit like inviting oil companies to a discussion on climate change—they have the power to solve the problem, but incentives to ignore it. New executive action on AI. After the meeting, the White House outlined three steps they plan to take to continue responding to the challenges posed by AI: To evaluate the risks of generative AI models, the White House will facilitate a public red-teaming competition. The event will take place at the DEF CON 31 conference and will feature cutting-edge models provided by leading AI labs. The White House continues to support investments in AI research, such as committing $140M over 5 years to National AI Research Institutes. Unfortunately, it's plausible that most of this investment will be used to accelerate AI development without being directed at making these systems more safe. The Office of Management and Budget will release guidelines for federal use of AI. Federal agencies promise enforcement action on AI. Four federal agencies iss...

Scott Baradell is a writer and entrepreneur who grew his PR agency Idea Grove, with business generated by its popular blog. Idea Grove is one of the top 25 tech PR agencies in the United States, a three-time Inc. 5000 company, and an inc. Best Workplaces in 2021 and 2022.  In 2020, Scott started a second blog, Trust Signals, to provide news, analysis, and practical advice on what it takes to build trust with customers and the public in today's post-truth world. The blog inspired and culminates in this book.   Before Idea Grove, Scott was the chief communications officer for two Billion Dollar companies. He's the co-founder and CMO of a venture-backed start-up and an award-winning journalist. He lives in Dallas, Texas with his wife Maria, and children, Juliet, Benjamin, Jack, Christopher and Maggie.   Questions • Even though I read your bio, which is a formal description of who you are, we love for our guests to tell our audience in their own words a little bit about how they got to where they are today. So, could you share that for us? • So, can you tell us a little bit about your book Trust Signals, maybe two or three themes that the book talks about and why it's important if you're running a business to be aware of some of these things? • What do you mean by post-truth world? • Why do you think trust is so crucial for people when they're making a decision? And do you think it has increased or decreased in recent years? • What are maybe three to five things that consumers look out for that gives them that confidence that they can trust, they can rely on this organisation? • We have some listeners who are not very savvy in the online space, but they want to be known as a subject matter expert, what are some steps or trust signals that they could be successful in that online space? • Could you also share with our listeners what is the one online resource, tool, website or app that you absolutely can't live without in your business? • Could you also share with our listeners, maybe one or two books that have had the biggest impact on you? It could be a book that you read a very long time ago, or even one that you've read recently. • Can you also share with our listeners, Scott, what's the one thing that's going on in your life right now that you're really excited about? Either something you're working on to develop yourself or your people. • here can listeners find you online if they wanted to reach out to you? • Do you have a quote or saying that during times of adversity or challenge, you will tend to revert to this quote? It kind of helps to get you back on track if for any reason you got derailed. Highlights  Scott's Journey Me: Okay, so we always like to ask our guests at the beginning of the conversation before we even delve into the real juice of our conversation a little bit about your journey, Scott. Even though I read your bio, which is a formal description of who you are, we love for our guests to tell our audience in their own words a little bit about how they got to where they are today. So, could you share that for us?   Scott shared that like a lot of people, a lot of things happen by accident. He started out, not really interested in business, per se, he was a writer, he was interested in history. In college, he was editor of a college newspaper, and then he got tired of spending time in the library and decided not to become a history professor. So, he had to go find a job, his parents basically said, find a job within two months of graduation or your cut off. So, he use his clips, his writing from the newspaper that he was editing to get a newspaper job. And it kind of went from there.  He was a journalist for 6 years before he kind of saw the writing on the wall there. And then he went into corporate marketing, which he did for about 15 years and then decided back when blogging and things like that on the corporate side, were first starting to emerge that he wanted to be part of that.  So, he started his own business at that time. But from one space to the next, it was definitely a journey in an evolution where it wasn't all planned out, it's what he likes to tell his 15 year old daughter as well as just young professionals, it's okay, if it's not all planned out, just go in the direction of what you love, and it should work out.   About Scott's Book Trust Signals Scott shared that trust signals are just defined as evidence points in the book, he primarily focuses on evidence points online that make you more likely to trust a brand. So, for example, it could be coming across a positive review of a company where the use case sounds similar to how you might use a product or someone you trust, a creator you trust on social media endorsing a company or a media story in which puts the company in a positive light, these are all things that kind of can create a breadcrumb trail that can lead you to a company's website or hopefully, you've reinforced that website with lots of other trust signals like testimonials and case studies and other third parties saying good things about you.  So, that's really the book is about that idea. And he wrote the book specifically with PR people in mind, because PR people have for 100 years primarily defined their roles as getting media coverage, getting their clients mentioned in the media. And in today's post truth world, there's so much fragmentation that there aren't any shared sources of truth anymore.  People go to the media and the other sources of information influence that they trust. And so, what he tries to communicate to his profession since he was a PR pro after he left journalism is, in this day and age, you have to move beyond just trying to get stories for your clients in the media, you have to look at all these other kinds of trust signals that together, help to help your clients to win over audiences and to grow their businesses.   What Does the Concept Post-Truth World Mean? Me: So, trust signals are critical as you mentioned to grow your business. You mentioned post truth world and I have kind of an idea of what that concept means but I'd love for you to share with our audience, what do you mean by post-truth world?   Scott shared that what he means, is simply that in today's world, as opposed, as recently, as 30-40 years ago, the public doesn't rely on shared sources of truth. It used to be the New York Times was all the news that's fit to print, but now you've got probably a third of the country that says they don't believe a word in that publication. People get on the internet, and algorithms all pointing them towards information that confirms what they already think about things. They go into rabbit holes where they can dive deeper and deeper in a one perspective on things, which could be very different from someone else's and someone else's. And it didn't used to be that way. It used to be that you had a relatively small number of large media organisations that served as kind of the gatekeepers for information, the gatekeepers for public opinion, and it's not like that anymore.   The Importance of Trust and Has It Increased or Decreased in Recent Years Me: And in an organisation, right, you have customers and well, there is the popular saying that people buy from people who they know, like and trust. And I still believe that to this day, despite all of the technology and artificial intelligence and just so much that has advanced I think that concept still remains whether it's an individual or an organisation. Why do you think trust is so crucial for people when they're making a decision? And do you think it has increased or decreased in recent years?   Scott shared that well, it's crucial to not just business but everything, you're not going to get in your car and drive to the supermarket if you are worried that the red light at the traffic stop is not going to work or that when the green light goes that a car coming from the other way is not going to go, you're trusting that they're going to stop. Our whole society, everything we do, is built around this intricate system of trust. Most of the time we don't even think about and you're simply not going to buy anything from someone who you don't trust them, because it's impossible to vet almost any product unless you've already used it and it's the same product thoroughly enough without believing in the source of the product you're buying in.  That's kind of the shorthand that all of us use every day to figure out who I should buy from, who I should work with, who I should work for. An employee is going to potentially someone who's looking for job is going to look at their employer's glass door ratings before they go work there, that's a trust signal. And if they did find a company they want to work for and they put their resume together, they're going to put in all the best endorsements and kudos they can think of and those are trust signals. So, it makes the world go round.   But you asked, do you think it's decreased? He doesn't think it's decreased because he thinks it's kind of immutable. He thinks that we need it.  Studies go back to even before the earliest days of mankind, and even to primates and stuff in their hunting rituals, they do trust building rituals before they go out and hunt in a group to make sure that they will support each other and share their kills, for example. So, it's just intrinsic to every form of human relationships. So, a lot of people said, “Oh, it's post-trust, not just post-truth, but post-trust, people don't trust anymore.” And he would say that it's not trust, a trust deficit so much as a trust displacement.  In other words, you used to trust certain big institutions that you don't trust anymore. And so, you have to go find something else to trust. It's like, a big example in politics would be Donald Trump, for example. Donald Trump is someone who many, many people would consider very untrustworthy, however, in looking at his following, it's important to understand that clearly one of the reasons he's been able to develop this following is that many of those people had faith and trust in institutions that they lost that trust in. And people can't be without trust, they had to find somewhere else to put it. And they invested their trust in this person. So, in that way, he says trust is displaced, sometimes you're confused about where to put it. But you almost can't live life without putting it somewhere.   Things Consumers Should Look Out For That Gives Them Confidence to Trust an Organization   Me: So, could you also share with our listeners, maybe, I would say, three to five things that as a consumer you should be looking out for or what are maybe three to five things that consumers look out for that gives them that confidence that they can trust, they can rely on this organisation?   Scott shared that he can give you an actual example, from someone who works for him. She had a baby recently, before she had the baby, she and her husband had been planning a nursery and they'd gone over budget for the nursery. And so, they still hadn't bought a crib mattress and so, they just said, “Let's go get the cheapest crib mattress we can find because we busted our budget already.” So, Laurie is her name, she was going to go do that and then she remembered that like a year earlier, before she'd even become pregnant, that there was an influencer, creator that she followed on Instagram, who was talking about the importance of getting a non-toxic crib mattress, and that had stuck in her mind.  And so, even though her inclination was to just go buy something inexpensive, that stuck in her mind, so she did a Google search on safest crib mattresses. And, sure enough, she could recognize the name of the crib mattress that this influencer on Instagram had mentioned a year earlier. And then once she found that then she looked and looked up all the reviews she could find online, found a bunch of 4- and 5-star reviews. And then that drew her in further and then she found that there was an article in Parents Magazine, saying good things about this crib mattress.  And then finally she went to the company's website and found out they had a seal from the certifying organisation that was vetting non-toxic, environmentally friendly products. And then finally, she was already on the website and she bought the product. And all of those are examples of things that consumers use as a collection of trust signals that they follow to either make a purchase or whatever destination they're trying to go to.   Me: Brilliant, that's really good. And she did quite a few steps. She did her due diligence thoroughly.   And most people do and when he tells PR people and when he tells that story to them, he says, but would she have bought the crib mattress if she had just seen the Parents Magazine article? Probably not. So, why are you only focusing on that? Why don't you give your customer what they want, your customer wants you to help them build trust.   Trust Signals that Can Be Used to be Successful in the Online Space Me: So, let's say for example, we have some listeners who are not very savvy in the online space, but they want to be known as a subject matter expert. Similar to what you were saying, that Instagram influencer was able to lodge that piece of information in her mind, right? And it stayed with her up to a whole year later. What are some things that you could do online to establish trust in an online space? Because it's so hard, there's so much noise, there's so many different platforms. And I mean, I know everyone has their own audience and at the end of the day, if that customer is meant for you, they will come to you because whatever message you're sending out there, your message will be attracted to them. But what are some steps or trust signals that they could be successful in that online space?   Scott stated that if someone's interested in becoming a subject matter expert or influencer or building their own personal brand, there's really no substitute for producing great content. People don't know you, they haven't met you in person and they're only going to know who you are, if you show them who you are online. So, he would start by two things, figuring out what channel is most important, are most relevant to your goals that can be LinkedIn. His agency works primarily with B2B tech clients. So, LinkedIn is typically the most important channel. But on your audience, it could be Tik Tok, or Instagram or Twitter or something else. So, it can seem definitely overwhelming out there. So, it's always best to start with a single channel.  He'll tell you a channel that he used that helped him tremendously when he was starting to write the book is Quora. Quora is a great channel for questions and answers. And maybe you don't always want to talk about PR and marketing, maybe you want to talk about a movie or something like that, it kind of gets your juices flowing in terms of writing. And what he likes about Quora is that, generally, the comments and the engagement is respectful compared to like a Twitter or somewhere where it can be so nasty. So, for him, everyone's different. But whatever channel you choose, choose one channel to start with, and build out from there.  He's seen again, and again, people that start out on TikTok, for example, build a following, they move over and add Twitter, they move over and add LinkedIn or start on Twitter and then add LinkedIn. So, that's definitely the way to go. Don't try to do it all at once. That's the first most important thing.  And then just like you want to be focused in terms of your channel, be focused in terms of your content. There's so much content out there, it's overwhelming, and half of its being generated by ChatGPT now, so how do you stand out the two ways you stand out, are by talking about the same thing, not the same exact thing, but the same general thing that you're building over and over and over again, because what someone told him once is, by the time you've talked about something 100 times, maybe you might feel tired of it, but the people you're trying to reach are just now hearing it.  So just keep going, keep trying to find new wrinkles, find new ways to stay excited about it, don't move on to some totally different topic before you even build an audience for the first one. So, he thinks being focused in terms of your channel, and focused in terms of your content are the most important things.   App, Website or Tool that Scott Absolutely Can't Live Without in His Business When asked about an online resource that he cannot live without in his business, Scott stated that in his business, they produce a lot of content and content is not very valuable if people aren't seeing it so for him, he's a huge fan of Google Search Console in their everyday for sure for checking their own two websites. They have Idea Grove, which is his agency, their website, the agency website, as well as the Trust Signals website. He's looking at that everyday for insights into what content is resonating, what content to produce next, and really helps to inform and drive strategy and they use it for their clients too. He's got a lot other tools he uses, but that's probably his favourite.   Books that Have Had the Biggest Impact on Scott When asked about books that have had impact, Scott shared that there's a book he read a long time ago, actually in college, which unfortunately, was a very long time ago for him but it stayed with him. And it informed a lot of choices he made since actually. It's a book called Simple Justice: The History of Brown v. Board of Education and Black America's Struggle for Equality, it was written by a historian named Richard Kluger. And he encountered this book, which is a very long one, it's thick, in a yearlong legal history class in college at University of Virginia, and the book was basically a history of illegal cases, which sounds extremely boring. But what it was, that was so amazing, was it was a sweeping history of the entire African American experience as told through the American legal system.  So, in other words, from Dred Scott to Brown versus Board of Education, everything in between, before and after. He took all of these court cases and told the human story behind them in such a way that it was like reading a novel that you couldn't put down and told him that taking something that someone would inherently think, is not that exciting and making it exciting, is really fun, it's a fun challenge.  He works in B2B Tech, or his agency, and they work with some clients that work in very arcane spaces, they do this fairly obscure stuff, sometimes they think they're boring, they're like, “Oh, you can't do anything for us, we're too boring, you can't get PR for us we're boring.” But to unlock that and capture the story in there, because there's always a story in there somewhere, to capture that, and to have the client kind of light up, because you help them find that is really exciting. And he kind of, in a lot of ways, goes back to that book and how he went from “Oh, boy, this long book of legal cases to wow” this book that he couldn't put down, it's definitely had a big influence on him.   What Scott is Really Excited About Now! When asked about something that he's really excited about, Scott shared that something that's exciting that they're doing now is they've began offering their first package product, they're a traditional agency, so like lawyers or accountants, they build by the hour, basically, they sell their time, that's what most agencies do. They've never had a product per se, but they found they've had a lot of success with a specific kind of digital PR campaign where they kind of combined PR and SEO, they put out this really cool piece of content, which is a survey, a base piece of content that ties to their clients, industry, and got it gotten a tonne of media coverage and links back to their client site from them.  But they realised that they could package it up and just sell it separately and do it the same way every time to increase margin on it. And so, they've been having a lot of success selling a product as an agency, this offering and they've never done that before and Idea Grove has been around a long time now and they're all really excited about, doing something they haven't done before, that's always fun.   Where Can We Find Scott Online Website – www.trustsignals.com He did a lot of the work that led up to the book on that site. Not only that, but if you're interested in the book, but don't want to go out and spend $20.00 on it. He's excerpted the entire book chapter by chapter on that site for free, and he's also now started a podcast where he's breaking down the audio book into chapter by chapter, so, that's available for free. So, all of that if you go to www.trustsignals.com, you can find links to either the audio or text version of the book or Kindle version as well. As well as a lot of other stuff, as well as contact information if you'd like to reach him directly.    Quote or Saying that During Times of Adversity Scott Uses   When asked about a quote or saying that he tends to revert to, Scott shared that there's a great quote by a Japanese poet named Kenji Miyazawa from maybe 100 years ago, but he said, “We must take pain and use it as fuel for our journey.” At times, where he's had loss or other setbacks that are very hard, and you just kind of want to give up. It's a really good statement of what life really is.  Life is about resilience, and no one goes through life without having things that they have to endure and suffering. And if you can come out the other side, and burn it as fuel for your journey, he thinks that's a great way to take something hard and turn it into a positive.   Please connect with us on Twitter @navigatingcx and also join our Private Facebook Community – Navigating the Customer Experience and listen to our FB Lives weekly with a new guest   Links ·  Simple Justice: The History of Brown v. Board of Education and Black America's Struggle for Equality by Richard Kluger   The ABC's of a Fantastic Customer Service Grab the Freebie on Our Website – TOP 10 Online Business Resources for Small Business Owners  Do you want to pivot your online customer experience and build loyalty - get a copy of “The ABC's of a Fantastic Customer Experience.” The ABC's of a Fantastic Customer Experience provides 26 easy to follow steps and techniques that helps your business to achieve success and build brand loyalty. This Guide to Limitless, Happy and Loyal Customers will help you to strengthen your service delivery, enhance your knowledge and appreciation of the customer experience and provide tips and practical strategies that you can start implementing immediately! This book will develop your customer service skills and sharpen your attention to detail when serving others. Master your customer experience and develop those knock your socks off techniques that will lead to lifetime customers. Your customers will only want to work with your business and it will be your brand differentiator. It will lead to recruiters to seek you out by providing practical examples on how to deliver a winning customer service experience!   Our Next Webinar – May 16, 2023 at 10:00 am   Register Here

Walnuts. The most delicious walnuts. They can lead you down the conspiracy theory rabbit hole on your darkest days, but can also make you scratch your head about why things are the way they are. Do we accept them as "the way we do things?" Or do we try something new? Fourth-generation walnut farmer Kaben Kramer and his wife Jenn are trying new things and making a go of it. But a look at the history of the farm since 1980 and the industry numbers are really head-scratching. Here are the links I promised in the show:If you have a question you want me to ask a farmer or an issue you want me to address, just say so. Email me at farmgirl@talkfarmtome.com.Listen to the episode with Aubrey Bettencourt about almonds. Similar but different.Listen to the episode about dairy farming. Eerily similar conundrum.

Welcome to The Nonlinear Library, where we use Text-to-Speech software to convert the best writing from the Rationalist and EA communities into audio. This is: Chilean AIS Hackathon Retrospective, published by Agustín Covarrubias on May 9, 2023 on The Effective Altruism Forum. TL;DR We hosted an AI Safety “Thinkathon” in Chile. We had participation from 40 students with differing skill levels and backgrounds, with groups totalling 13 submissions. We see potential in: Similar introductory events aiming for a broad audience Collaborating more often with student organizations Leveraging remote help from external mentors We experimented with an alternative naming, having remote mentors, different problem sources, and student organization partnerships, with varying results. We could have improved planning and communicating the difficulty of challenges. Introduction In February, we ran the first AI Safety Hackathon in Chile (and possibly in all of South America). This post provides some details about the event, a teaser of some resulting projects and our learnings throughout. Goals and overview of the event The hackathon was meant to kick-start our nascent AI Safety Group at UC Chile, generating interest in AI Safety and encouraging people to register for our AGI Safety Fundamentals course group. It ran between the 25th and the 28th of February, the first two days being in-person events and the other two serving as additional time for participants to work on their proposals, with some remote assistance on our part. Participants formed teams of up to four people, and could choose to assist either virtually (through Discord) or in-person (on the first two days). We had help from Apart Research and partial funding from AI Alignment Awards. Things we experimented with Aiming for a broad audience, we named the event “Thinkathon” (instead of hackathon) and provided plenty of introductory material alongside the proposed problems. We think this was the right choice, as the desired effect was reflected on the participant demographics (see below). We could have been better at preparing participants. Some participants suggested we could have done an introductory workshop. We incorporated the two problems from the AI Alignment Awards (Goal Misgeneralization and the Shutdown problem), alongside easier, self-contained problems aimed at students with different backgrounds (like policy or psychology). We think most teams weren't prepared to tackle the AI Alignment Awards challenges. Most teams (77%) chose them initially regardless of their experience, getting stuck quickly. This might have worked better by communicating difficulty more clearly, as well as emphasizing that aiming for incremental progress rather than a complete solution is a better strategy for a beginner's hackathon. As we don't know many people with previous experience in AIS in Chile, we got help from external mentors, which connected remotely to help participants. We think this was a good decision, as participants rated mentor support highly (see below). We collaborated actively with two student governments from our university (the Administration and Economics Student Council and the Engineering Student Council). They helped with funding, logistics and outreach. We think this was an excellent choice, as they provided a much broader platform for outreach and crucial logistics help. We had a great time working with them, and they were eager to work with us again! Things that went well 40 people attended in-person and 10 people remotely (through Discord), we were surprised by both the high number of attendants and the preference for in-person participation. We had a total of 13 submitted proposals, much higher than expected. While all proposals were incremental contributions, most were of high quality. Skill level and majors varied significantly, going from relatively advanced CS students to freshmen from other fields (like economics). We were aiming for diversity, so this is a w...

Similar to movies, Video Games often get blasted into the mainstream and achieve massive success. Other times they enter with a whimper and die out before anyone has had a chance to know what they're about. There is, however, a third, and often compelling, option. Some games come out with little fan fare and eventually grow a following. This can be seen in the Dark Souls series,  many of the Suda51 creations, and Rockstar's Table Tennis. So what makes these games so beloved by those that play them and why did they never achieve the mainstream success that some believe they deserved?Media Discussed: Evil Dead Rise Super Mario Bros Movie Video Games Discussed: Final Fantasy Pixel Remastered Collection Resident Evil 4 Destiny 2 Lightfall Megaman Battle Network Collection Picks Of The Week: Josh: A Thorough Look At Resident Evil - YouTube Austin: Fit For a King- Deathgrip Dylan: The Entire Story of Destiny (Youtube) As always you can find us on social media for all things Culture Bop, Hunting Pixels, and the Culture Bop family of content.Culture Bop: Instagram - @culture_bop, Youtube - youtube.com/c/CultureBopJosh: Twitter - @TheBebopman182, Instagram - @bebopman182, Twitch - The_BebopmanDylan: Twitter - @OMDizzyTV, Instagram - @omdizzy, Twitch - OMDizzy, YouTube - @OMDizzy, Austin: Twitter - @bigpappaplays, Instagram - @bigpappaplays, Twitch- @bigpappaplays, TikTok- @bigpappaplaysAnd finally, if you're looking to suppizzle the podcizzle or any of the endeavors that we're undertaking as Culture Bop, then go to Patreon.com/culturebop and toss us a pledge, we're offering some very cool perks and once we start hitting our goals even more content will be on its way.Special Shout Out To Our Patrons For Making This Podcast Possible: Justin “Numberman” Ruiss Tonny “Gutsman” Sulmann Jeffery “Skullman“ Szyarto Sean “Dustman” O'Keeffe Jr. Bren “Ring” Woodham Dylan “Roll” Martin Austin “Protoman” Stephens

Dustin and Kerry Brockberg, psychologists and co-authors of 'End Your Covert Mission,': A Veteran's Guide to Fighting Pain & Addiction' return. Today we continue our conversation with Dustin and Kerry as they discuss vulnerability and reciprocity in building trust between veterans and their loved ones. We continue to unravel the seemingly parallel journeys of addiction recovery, family recovery, and veterans returning home as we discuss changing relationships, needs, and wants. #embracefamilyrecovery #podcast #veterans #DustinBrockberg #KerryBrockberg #authors #endyourcovertmission #recovery #addiction #pain #couragekenny #hazeldenbettyfordfoundation #addictionrecovery #addictionawareness #addictiontreatment #addictions #familyrecovery #familyrecoverycoach #familyrecoverycoaching #familyaddiction #familyaddictionrecovery #recoverysupport #recoverysupportgroup #recoverysupportservicesClick here to grab your copy of Healthy Strategies for Family Members to Cope and Even Thrive Through Addiction and receive my weekly newsletter. Click the links below to follow me on social media: Facebook Instagram LinkedIn

Lauren is a movement educator and specialist, and a Functional Medicine Certified Health Coach and mama to Lila. She's here today to share her birth story which is so full of details surrounding boundary holding, intuition, and the preparations she did to feel empowered. Similar to our episode with doula Hehe Stewart, (listen here), Lauren chats all about how important it was to have her birth team on board with her plans. In addition to her birth story, we go deep into pelvic floor preparation and healing, and Lauren busts some myths for us too. Stay tuned for part 2! Sign Up: Prenatal Preparation for Postpartum Restoration workshop, where Garrett will be speaking postpartum mindset! Follow Lauren on IG: @mind.body.vitality Website: www.mindandbodyvitality.com _____________________________________ Connect with our host on IG: @garrettnwood Sign-up for the kozēkozē newsletter here. Follow kozēkozē on IG: @kozekozemama Podcast Instagram for details on past guests: @kozekozepodcast Follow Garrett on TikTok: @kozekozemama GET ON THE WAITLIST FOR THE 2nd ANNUAL FULL CIRCLE FEMININE WELLNESS RETREAT If you like Garrett's voice, check out her meditations here. email garrett: garrettkusmierz@kozekoze.com --- Send in a voice message: https://podcasters.spotify.com/pod/show/kozekoze/message

The PTO European Open is the feature this week. 28 of the fastest pro men and 28 of the fastest pro women will be fighting it out over the 100km distance in Ibiza, Spain on May 6th. The race comprises of a 2km swim, 80km bike and 18km run.   Jan Frodeno and Daniela Ryf are two of the greatest triathletes to ever grace this planet, but they have some serious competitors waiting for them in the likes of Kristian Blummenfelt, Ashleigh Gentle, Magnus Ditlev, Lucy Charles-Barclay and many other top talents.   Show Sponsor: UCAN Generation UCAN has a full line of nutrition products powered by LIVESTEADY to fuel your sport.   LIVSTEADY was purposefully designed to work with your body, delivering long-lasting energy you can feel. LIVSTEADY's unique time-release profile allows your body to access energy consistently throughout the day, unlocking your natural ability to stay focused and calm while providing the fuel you need to meet your daily challenges.   Use UCAN in your training and racing to fuel the healthy way, finish stronger and recover more quickly!  Use the code 303UCAN for 20% off at ucan.co/discount/303UCAN/ or ucan.co   UCAN Fact: Emma Bates's marathon of 2:22:10 Emma Bates (born July 8, 1992) is an American middle- and long-distance runner. She is a 12-time All-American, the 2014 NCAA 10,000 champion competing for Boise State University, and the 2018 U.S. Women's Marathon Champion.   In 2021, Bates moved to Boulder, Colorado to join Team Boss and is coached by Joe Bosshard.   Emma fuels her marathons with 1 UCAN Edge energy gel every 5k. During Boston, she consumed an Edge gel at every 5k water stop except for at 40k. She consumed a total of 7 gels to fuel her personal best marathon of 2:22:10. In training, Emma takes an Edge gel every 45-60 minutes, but she uses them more frequently when she's racing. No matter how often she uses them, what Emma loves most about UCAN is that it never bothers her stomach.     In Today's Show Endurance News - PTO European Open, Taylor Knibb on stress fracture rehab What's new in the 303 - Lookout Mountain Hill Climb is in danger of cancellation; Boulder Valley Velodrome Video of the Week - Countdown to the PTO Euro Open   Endurance News:   PTO European Open 2023: The keys to victory for a mouthwatering Ibiza weekend By John Levison 4 May 2023 We are just days away now from the first PTO Tour event of the 2023 season, the 2023 European Open, which will be held on Saturday in Ibiza, Spain. Full details on the timing, how to watch and more in our pre-event explainer.   What I want to do here is take a look ahead, and outline some of the potential factors which could change the direction of the race on Saturday, for both the Pro Men and Pro Women.   Coming so early in the typical racing year, it is very unusual to have such a depth of field in early May. Many of the favourites – Ryf, Charles-Barclay, Blummenfelt, Ditlev, Brownlee, Frodeno as examples – have not yet raced at all. Some – Haug, West, Sodaro, Jewett – arrive with confidence, while others have perhaps not hit the heights they wanted in their limited races this year.   That all suggests strongly that this one is unlikely to go simply to form and rankings. Despite the best experience and preparations, expect at least some of the top names to talk post-race that their race sharpness was missing.   How big will Lucy's swim lead be? As is now familiar, Great Britain's Lucy Charles-Barclay will almost certainly be the first athlete to complete the 2km swim at Figueretas Beach. In the absence of Taylor Knibb – who managed to stay with the Brit in Dallas last year – she's probably going to be solo through most of the two laps on Saturday.   Lotte Wilms (70.3 World Champs) and Sara Perez Sala (Challenge Miami) have shown the potential to perhaps come closest in the water, but the gap to some of the big-name favourites (Ashleigh Gentle, Daniela Ryf, Paula Finlay and co) will be the one of the first points of interest.   Of note, is that LCB has spent four weeks training consistently at altitude in Font-Romeu, France to prepare for this race. Her altitude block immediately prior to the 2021 IRONMAN 70.3 World Championship helped deliver one of the greatest middle-distance performances ever. If Saturday starts with a gap of significantly more than a minute over those with genuine winning potential, then it'll be advantage Lucy less than 30 minutes into the racing.   Lucy Charles-Barclay / IRONMAN 70.3 World Championship 2021 Photo by Patrick McDermott/Getty Images for IRONMAN Where's Kristian and Magnus? For the men's swim, the chances of a lone athlete breaking clear are remote zero. You would expect the likes of Aaron Royle, Alistair Brownlee, Jan Frodeno, Daniel Baekkegard, Ben Kanute and Kyle Smith to be among those within 10/15 seconds entering T1. Will the in-form Jason West make that cut here?   Key questions will be: How close will IRONMAN 70.3 World Champion, Krsitian Blummenfelt be? And what deficit will Denmark's Magnus Ditlev have to make up? The Dane won't be at the front, but is a better swimmer than I think many give him credit for. If he enters T1 within say a minute or so of the leaders, he's right where he needs to be. Significantly less, and he'll be smiling as he starts dropping the watt bombs on the bike!   Group dynamics Once we are onto the bikes – and with memories of 2022 still vivid – how groups on the bike are monitored and policed will, I think, be key to how the race plays out. Nobody wants to see drafting penalties issued – but equally, we want to see racing within the rules too.   That's as much to do with the athletes, as it is the Technical Officials.   Looking at the bike course, it's basically a straight line, out-and-back course, which starts with a steady incline of just over 5km. The latter, perhaps, may help thin the field out early, while the nature of the route should help make maintaining a legal distance easy (and easier to spot).   We'll see how this plays out – and hopefully we won't even need to reference it post-race.   Breakaway? Who'll make – or be able to make – a move on the bike? I don't think that's going to come via bike handling skills – this is not Nice, France for example – but if we take the men first, who'll be able to get away? The lack of Sam Laidlow means one less ‘go from the gun' athlete with proven bike ability, but it feels unlikely that Brownlee, Kanute, Frodeno and co. will be playing it safe, with the likes of Blummenfelt and Ditlev probably not far behind.   Kristian is confident he can win on the run if needed. That remains to be proven, but nobody is going to be waiting around to make it any easier for him. I think that points to any lead group from the swim being whittled down via sustained pressure, but if I had to make a prediction, I think we'll see a small and very select group entering T2 separated by 10-15 seconds.   In typical fashion, I expect Lucy Charles-Barclay to lead for at least a significant proportion of this race, solo. If she's on St George 2021 form, that could be all the way to the finish line. As one of the few top female athletes not to have raced this year, she's been relatively quiet in media headline terms – but her competition will surely not have forgotten her abilities.   With some of the greatest runners we've ever seen in action here – Anne Haug, Chelsea Sodaro, Tamara Jewett and Emma Pallant-Browne – that all points to Daniela Ryf and Paula Findlay in particular leading the charge to join LCB up front. Without Taylor Knibb as a potential partner at the front, if LCB finds Ryf and Findlay riding well and bridging up without those ‘runners', I think she'll be more than content with that company.   Who's got the run legs? We've talked at length in the lead-up to this race about the strength-in-depth of the fields. We know we have some of the best runners in the history of the sport racing, but who can produce it against this level of competition, especially when the swim and bike will surely be raced in aggressive fashion in both the men's and women's fields? I don't foresee anyone starting their 18km feeling fresh – remember what happened to Blummenfelt, Laidlow and Brownlee at the Canadian Open?!   Most peoples' wildcard for the men's race is Jason West, for example. A well-earned position, courtesy of his form this year at CLASH Miami and 70.3 Oceanside, each producing headline-grabbing run splits. Will he be in a position at T2 to put that to potentially race-winning use? Frodeno and Brownlee are two of the most decorated athletes of all time, but what have they got left in their running legs?   Similar situation for the women. Tamara Jewett's run prowess is not new, but Oceanside was the first time that had resulted in a win against some of the biggest names in the sport. This is another step up. Anne Haug has used her run speed to podium in almost every non-drafting race she starts – is Tamara there, just yet?   https://www.tri247.com/triathlon-news/elite/pto-tour-european-open-start-list-bib-numbers-pro-men https://www.tri247.com/triathlon-news/elite/pto-tour-european-open-start-list-bib-numbers-pro-women   Taylor Knibb on stress fracture rehab By Jonathan Turner News Director 20 Apr 2023 American star Taylor Knibb is back firing on all cylinders after an extended injury layoff.   She launched her YouTube channel this week (video embedded below) with a detailed rundown of the healing process – and frighteningly for her rivals she appears to have produced that astonishing performance to win the IRONMAN 70.3 World Championship last October in spite of her foot issues.   Talking through the timeline and the details of the injury which has kept her on the sidelines since November's WTCS finale in Abu Dhabi, she explained how the problem first emerged: “I was prepping for WTCS Leeds [which took place in early June] and I felt something in my foot and was diagnosed with a stress reaction.   “I was told two to six weeks and you'll be back, it's really minor. One surgeon even said I wouldn't have even stopped you from running with that minor an edema.   “But it wasn't healing and finally at 11 weeks I saw a doctor and he said you can start running now because if it's not healed, it's not going to heal.   “So I started racing in the fall – I raced Dallas, Cagliari and then the 70.3 Worlds, Bermuda and Abu Dhabi.   And that quintet of races saw some superb performances – she picked up a second, third and fourth in the WTCS events, led for much of the PTO US Open in Dallas before being overhauled by Ashleigh Gentle and then produced that masterclass in St George where she left the world's best trailing in her wake.   But taking up the story after that busy spell of racing, Knibb revealed: “Then I took a little break and it turns out that my foot was not healed. So I got an MRI and it was now a stress fracture, with a CT scan showing a fracture line.   “So then my options were I could rest it fully and hope it would heal and that I think would be eight weeks of nothing in a boot – no weight bearing, no training whatsoever.   “Or I could get surgery and I opted for that and got a screw put in my fifth metatarsal on January 3rd.” From that point onwards it's all been about the recovery process, something that the 25-year-old freely admits has been “very challenging”.   She explained: “Because the incision point is directly to the bone I had to be very careful and wait until it had healed before starting swimming again or doing anything.   “I did get to do strength training with Erin [Carson] which helped my sanity a lot – I wanted to go in the day after surgery, I think she said no to that but it was maybe two days after I was back working with her.   “It was four weeks before I was cleared to do some easy swimming and biking and built it up gradually.   “But I'm back fully swimming and biking and adding the running in now.”   She goes into detail on the video about how even getting back outside has been a big boost and what she might do differently in the future, saying: “It was tough but I think that I have learned a lot from it and I think if I were to do it again I would focus on what you need to do [rather than what you can't].   “It was very challenging and I'm very grateful for the people around me because I know I was not fun to be around some days. But it's a period of time that's hopefully closed now.”   The defence of her 70.3 Worlds title in Finland in late August is the big priority for 2023 and we look forward to seeing her back on the start line soon – and hopefully producing more YouTube videos too!     What's New in the 303: Bicycle Colorado Event Support April 28 at 12:30 PM  · The Lookout Mountain Hill Climb is in danger of cancellation due to low pre-registration numbers. At this point, they cannot cover the costs of the event. Please register here to support this iconic event: https://www.bikereg.com/racer-x-cycling-lookout-mountain....   Thank you all for constructive comments. For new racers, most events have a 'Race Flyer' which holds all relevant information for an event. Race Flyers can be found on the BC website within the event listing: https://www.bicyclecolorado.org/.../lookout-mountain.../.   'Race groups' or 'categories' are a structure to classify athletes. This category structure is in place to an effort to make events safer and more balanced. Beginners start at Category 5 and progress toward Category 1 through participation and earning results in races.   A BRIEF HISTORY OF THE VELODROME The Boulder Valley Velodrome is a 250-meter wooden cycling track in Erie, Colorado which for 5 years served as a training ground for Olympians, and a place of discovery and excitement for those new to track cycling.   Founded by Frank Banta and Doug Emerson and designed by renowned track architect Peter Junek, Boulder Valley Velodrome is an Olympic-caliber track that boasts the angles and altitude for some of North America's best riding. The property was acquired in 2008, construction began in 2011, and the track opened in 2013.   In 2013, a week away from opening, 70m of the track was destroyed by a tornado. Then, after a month's worth of repairs, lightning struck in the same spot. That was the month of the disastrous Boulder flood.   Over its 5 years of operation, the velodrome hosted numerous national and international cycling events and was a popular destination for anyone from Olympians to amateur cyclists and families – really anyone with the need for speed.   The facility was put up for sale in 2019 and has since fallen into disrepair. In 2020, a group of dedicated cycling enthusiasts launched a campaign to resurrect the velodrome and restore it to its former glory. Their efforts have included fundraising through GoFundMe, seeking sponsorships, and recruiting volunteers to help with the restoration work.   The goal of the campaign is to create a world-class cycling destination that will attract riders from all over the world and help to promote the sport of cycling. With the support of the community, the Boulder Valley Velodrome is poised to once again become a vibrant center of cycling culture and competition.   The Boulder Valley Velodrome's story is, and will always be, a story of passion, perseverance, and community.   Out of the 26 velodromes in the country, the Boulder Valley Velodrome is one of just two tracks that meet Olympic standards.   For press inquiries, please contact info@bouldervalleyvelodrome.org.   Boulder 70.3 - Don't Delay! Only 200 spots left! IRONMAN announced they only have 200 spots remaining for general registration for IRONMAN 70.3 Boulder in beautiful Colorado. Boulder caters to the outdoor enthusiast and not only provides epic trails and outdoor activities but also world-class dining, shopping, events and craft beer and spirits. Boulder gives you a taste of everything Colorado.   IRONMAN 70.3 Boulder | June 10, 2023     Video of the Week: Jan Frodeno, Daniela Ryf: Not Done Yet | Countdown to PTO European Open

Justin and Greg are back in fine form for Episode 61 of Season 3. Q1 gets things rocking and rolling with NHL hockey. The boys go through remaining four series, where the Leafs are in trouble and the Oilers need a big bounce back. Similar pace in Q2 with the NBA, the duo talks through round 2 and do the Denver Nuggets ever look dangerous. This weeks halftime show - Name the Top 5. In Q3, the boys talk baseball, with the Red Sox stomping the jays, Wander Franco show boating and the Yankees struggling, theres no shortage of content. Q4, a briefing from the PGA Tour and MLB. Enjoy!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

UPDATE: Clearly I recorded this before Caleb Love announced on Twitter he would be playing for Michigan next season. You can just, uh, jump ahead on that. The Indiana Hoosiers are targeting guards that can score the ball and be playmakers and Toledo transfer guard Rayj Dennis fills that role. And could Caleb Love be a possibility despite previously committing to Michigan during the transfer season? On today's episode of Locked on Hoosiers, Jacob Rude (@JacobRude) discusses Dennis as a potential option for IU. While Illinois is seen as the frontrunner by most, the fact he hasn't committed yet means Indiana might still have a shot. Meanwhile, with rumors circulating that Love could decommit from the Wolverines, is he someone IU would circle back on yet again? His fit is still questionable but with options dwindling, is he worth revisiting? The show wraps by discussing the upcoming The Soccer Tournament (TST). Similar to The Basketball Tournament (TBT), TST will feature a team of IU alums with the winner receiving a $1 million prize. Support Us By Supporting Our Sponsors! Built Bar Built Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKEDON15,” and you'll get 15% off your next order. FanDuel Make Every Moment More. Don't miss the chance to get your No Sweat First Bet up to ONE THOUSAND DOLLARS in Bonus Bets when you go FanDuel.com/LOCKEDON. FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN) Learn more about your ad choices. Visit podcastchoices.com/adchoices

Steven CW Taylor is a Software Engineer, Gallerist, and Contemporary Fine Art Photographer specializing in the documentation and archiving of Black Life during this time.  His love for photography was birthed by his background in engineering.  "Learning the machine called a camera, allowed me to be confident in the Art I am creating." Born and raised in the East Germantown section of Philadelphia, PA, this non-formally trained photographer makes it his business to provide his community with access to Fine Art “without the need to travel to more affluent spaces”.  Having traveled to 18 countries, and 4 US National Parks, it is important for Steven to share his photography intentionally with his community. He is the founding artist and curator of Ubuntu Fine Art -Philadelphia's first and only Fine Art Photography Gallery of a single artist.  As “The Time Thief” I steal moments of time to preserve the feeling and emotion of the instance in which the picture was taken.  “I want the photographs I've taken over my lifetime to be the lens that future generations view the past.  Similar the Gordon Parks before me, my legacy will transcend generations!” “Be it an animal, person, or place, the process is the same…I don't take pictures, I feel the emotions of space and steal that time.”Creators & Guests Rob Lee - Host Steven CW Taylor - Guest National Photo MonthThis episode of The Truth In This Art is part of National Photo Month, which is celebrated every May by professional and amateur photographers alike, as well as selfie enthusiasts. During this month-long celebration, people dedicate themselves to learning about the rich history of photography, honing their skills and techniques, and researching which cameras to invest in.To support the The Truth In This Art: Buy Me Ko-fiUse the hashtag #thetruthinthisartFollow The Truth in This Art on InstagramLeave a review on Apple Podcasts, Spotify or wherever you get your podcasts. ★ Support this podcast ★

Storytime of the funniest, most awkward and cringiest kids ever who think they actually own the earth! These spoiled brats and hilarious minecraft kids, who belong in a tiktok cringe compilation, will totally make you laugh! These stories are hilarious, funny and do your best not to laugh at these stories! Similar to stories like Am I The Jerk? rSlash Mainly Facts and Scrubs --- Support this podcast: https://podcasters.spotify.com/pod/show/connor-pugs/support

Anthony Richardson and Andrew Luck similar physical beasts. Quenton Nelson excited about finally having a young quarterback leading the team. Colts need to soft sell Richardson as a work in progress to allowhim to blossom without massive expectations. Cubs still run by idiots blessed with great intellect! Two Big Brains today at 11:30a.m.- https://www.youtube.com/@twobigbrains-do9hl Learn more about your ad choices. Visit megaphone.fm/adchoices

Similar to the institution of policing, many in the United States are questioning the effectiveness of our current public education system. So on this episode, we are joined by accomplished Australian schoolteacher, Christian Williams, to discuss how he utilizes entrepreneurship as a way to inspire his students to not only learn and grow but to also give back to their communities.  Christian's path to teaching was just as unique as his proven approach to education- and it may be worth wider consideration in the United States. Email: 3copstalk@gmail.comWebsite: https://www.3copstalk.comYoutube: https://youtube.com/channel/UCFWKMerhChCE6_s5yFqc4awFacebook: 3 Cops Talk | FacebookInstagram: https://instagram.com/3copstalk?igshid=YmMyMTA2M2Y=

This week's guest is Domingo Valadez, Co-founder & CEO of Homebase, a platform that lets people invest in tokenized residential real estate for as little as $100. As real estate prices continue to get more and more unaffordable for people, Homebase aims to be the destination for US renters to invest in the US residential real estate market via fractionalizing NFTs. Show Notes:0:50 - What is Homebase?2:05 - Why Solana?4:06 - How does it work?7:09  - Benefits using web3 and Solana9:17 - Us vs International11:11 - How things can evolve for Homebase?  14:18 - Regulatory landscape in the US / next US markets to expand to17:04 - User journey from first wallet to being a homeowner20:04 - Voting  21:14 -  Retaining people in Crypto    22:57 -  Exciting things in on-chain residential real estate.24:38 -  A builder Domingo admires in the Solana ecosystem Full Transcript:Brian Friel (00:05):Hey, everyone, and welcome to The Zeitgeist, the show where we highlight the founders, developers, and designers who are pushing the Web3 space forward. I'm Brian Friel, developer relations at Phantom, and I'm super excited to introduce my guest, Domingo Valadez, the co-founder of Homebase, a digital platform for fractionalizing residential real estate via NFTs. Domingo, welcome to the show. Domingo Valadez (00:28):Thanks so much for having me, Brian. Super excited to be here. Brian Friel (00:30):Yeah, super excited to have you on as well. You guys are a hotly anticipated recent launch. I've seen you guys on Twitter. It's one of the most, I'd say, unique and more pragmatic applications I've seen most recently launch on Solana. Can you give us a quick overview of what is Homebase and how can users start using it today? Domingo Valadez (00:51):Yeah. Homebase is a platform that lets people invest in tokenized residential real estate for as little as $100. The main value property right people is just getting exposure to an actual physical rental property and starting to get some of that passive income, starting to get that appreciation over time in terms of how you can participate and invest, you can just go to our website, make an account, we do force you to put a KYC and that's just to follow us regulations. So right now we're limited to just US investors unfortunately, but have plans to make it international as we continue to grow. But right now it's a matter of KYCing. You also have to set up a 15-minute call with one of my co-founders, Alex, and that's just to make sure that you're a sophisticated investor so you get to know us a little bit. So we're very transparent with our team and what we're doing, but we had 38 people participate in our very first home and now have 1500 that want to participate in our next one. Brian Friel (01:41):That's awesome. So residential real estate investing, that's something that I'd say a lot of the demographic with Solana maybe skews potentially on the younger side. This is something that people think is interesting but have historically been left out of this world of investing. What made you guys decide to do something in a purely digital way that's different than traditional residential real estate investing and what made you guys choose to launch this on Solana? Domingo Valadez (02:05):I grew up in a family that has always seen real estate as a great way building wealth over time and just growing up I've very quickly seen it become unaffordable for most people in my generation. So I was working at Google for five years, still couldn't afford anything in the Bay Area and I was like, "This is absurd." And so it was like how can we make this affordable for people where they can actually get some skin in the game with the properties they're living in? And so that was really a big culmination for why Homebase and so then I've invested in my own residential property, myself and my hometown of McAllen just going into that flow, so many third parties, how to work with a bank, took literally three months to buy the property and that was just awful as well. So it's kind of like what can we do that's completely digital that just makes the experience really, really easy for people? (02:49):And so that's where the idea around Homebase came from. We're making it where people can invest in properties for as little as a hundred dollars. And so real estate's also a industry that loves silo data. You have big players that really hold their data near and dear to their heart and don't want to share it, and that's the complete opposite of public blockchains, right? It's like, "Let's just get data. Everyone should have a fair shot at understanding what's going on and if you know how to utilize that data, you can make some great decisions with it." A big piece of it came from the mission as well of I've been following Bitcoin since 2017, love the decentralization aspect of it and so wanted to see how we could get real estate in a very transparent open source way. That was a big culmination about why even build in a digital space using blockchain to do this. Brian Friel (03:33):Love it. I think that story resonates with a lot of listeners potentially I myself in Bay Area. Similar story there, so it's similar frustrations. I guess I'm a little curious how does this at a high level work under the hood? Kind of back to my earlier question, a lot of folks maybe don't know much about real estate investing. There's a lot of paperwork involved. What role is Homebase playing? What parts of this are done on chain? How do I go from, "I'm just a normal crypto user with NFTs." To now, I can say, "I'm a part of this homeownership project." How does that all work under the hood? Domingo Valadez (04:07):I'll share the Homebase side, then I'll share the user experience side. So it's actually quite complex to make it work. It took us seven months to build out the legal frameworks to how to do this and then building out the software for tokenization took about two months for us to do. But just to walk you through this first home, how we did it effectively, we found a property that was suitable. We put it under an exclusive buyer seller agreement, so Homebase had full rights to sell the house on behalf of the owner. We then spun up a special purpose vehicle that was sole intent was to purchase that property, and so then we created NFTs that represent ownership in that special purpose vehicle and we had a mint date on that mint date. It was basically like the day we started selling the property. (04:45):And so people could literally go to our website, these are people that have already KYC accredited, non-accredited, could then buy tokens with USDC and they would mint them directly on our platform. And so they would get those tokens immediately to their account and then in tandem they would get DocuSign documentation sent to them. So they have to sign a legal LLC operating agreement, they need to sign a security token purchase agreement, all this legal documentation that basically says like I am buying tokens using USDC and I'm now a member of this LLC that was created. So once we acquired all the money that was necessary, we then closed up the SPV and then actually completed the transaction. And so the owner received the amount of money that they were trying to sell on his first property, and then once that was closed, we then filed with the local title companies to basically transition the title from the owner into this new SPV we created. (05:40):So the piece that's truly on chain are the NFTs we created to represent ownership, but we're pretty much a Web 2.5 company where we do need to know who exactly owns what tokens, and we only whitelisted wallets can effectively trade them between themselves. So we file these as Reg D 506, security, private placement offerings, and in that regulation you have to hold the investment for at least a year. You can't trade it for that initial year, and then after that you can sell it through our platform either back to us or eventually want to allow for peer-to-peer trading, but we need an alternative trading system license for that, which we don't have yet. So the majority of it's going to be people selling it back to us and then us reselling it to the next person. Brian Friel (06:23):That makes a lot of sense. That was going to be one of my follow-up questions because given the permissionless nature of most tokens by default on chains, I was wondering how that works within a legal framework. You mentioned this first home that you guys tokenized from what I saw, it sold out within the first two weeks. It was a great success, but you guys basically just proved a use case that, "Hey, within the legal framework of how this exists today, this actually works." I think we could get into in this podcast talking a lot about where you guys see this going in the future and how this whole process is going to evolve. But can you talk a little bit about even just this first home that you guys tokenized and sold, what were some of the immediate benefits that you saw using Solana or blockchains in particular that might be different than the normal process? Domingo Valadez (07:09):I think a lot of the benefits are for users, not for us as the company doing it. So there was still a lot of complexity when it came to structuring all this and every single home we tokenize and sell on the platform has a lot of complexity behind the scenes, but for the end user, people could literally invest in this first home within five minutes. That's how long it took some of our users to purchase these tokens. And then they're just relying on us to do all the paperwork on the backend. Moving forward, we're going to be distributing out all funds using USDC, we're actually partnering with Circle. They're our money transmitter. They're the ones basically sending out all the funds to every single holder and we're going to be doing that monthly. (07:46):So as an end user, you just became a fractional owner in this property. You don't need to deal with any sort of property management headaches. You get your passive income and when you're ready to sell, you can just sell it back to us. We're going to be partnering with blockchain home registry to showcase the value of the properties monthly, and so you'll be able to sell it at true fair market value as dictated by five different data points of trusted institutions saying, "This is what the value of that property should be." Brian Friel (08:11):That's pretty awesome. One thing I want to hit on too is you mentioned that there's accredited investor checks, but is this also open to non-accredited investors as well? Domingo Valadez (08:19):We can have up to 35 non-accredited investors participate per home offering. It's limited to that just by the Reg D 506 B offering that we do, but we can have unlimited accredited. So moving forward, we think the 35 non-accredited spots will be taken pretty quickly because of course that's the main use case for people where they see the main value in what we're doing. But yeah, we plan to switch to Reg A offerings in the future and that'll allow anyone to participate. No limitations whether accredited or non-accredited. Brian Friel (08:47):These terms, accredited investor, unaccredited, Reg A, they're very, I would say US-centric. There's a lot of particular nuances to US investing laws that maybe contribute to why folks like us are interested in these kind of products. We can't always afford residential real estate in areas that we live and work. Is Homebase exclusively focused on the US Do you guys also see this problem internationally and can you talk a little bit about maybe how the US differs from some other major markets internationally? Domingo Valadez (09:17):The US probably has the toughest regulation when it comes to this. So for us, we very much wanted to tackle one of the hardest markets and also two of the three co-founders are US based, are three co-founders in Canada and both markets so similar, very, very expensive real estate in any sort of big city all feel priced out. So we really all align in the mission behind this. Our initial launch market was in McAllen, Texas, so that's where I'm originally from. So it was very near and dear to my heart to launch there and see properties that I grew up with actually get access to the internet and get tokenized in that capacity. But we'll stay likely in the US for the near medium term, but we do want to allow international investors to participate as well. So we've already been reached out to by a few big players internationally that want to be LPs in our future properties and then they can sell it to some of their customers as well, and that's how we'll open it up and expand the pie to international investors as well. Brian Friel (10:12):I love that. So you mentioned when you did the high level overview of how this process works, essentially onboarding people one by one, taking video calls with them, making sure they understand the process, having to give them tokens that there's restrictions on how they can actually be sent to different people if they want to resell. It oftentimes having to go through you guys that whole process and then I'm sure even just the whole process of you setting up these legal entities as Homebase and your Web 2.5 company right now, there's a lot of legwork that you guys are doing on the back end, abstracting this out. (10:45):I think listeners of this could imagine a world where one day this is all pushed more to the edges, to the actual token holders and owners themselves. How do you guys think about how this is going to evolve over time? Which pieces of this do you think potentially in the next couple years could be more evolve, looking in areas where you guys maybe at Homebase aren't doing as much legwork and which areas do you think are going to be a little bit slower to evolve over time? Domingo Valadez (11:12):US real estate's very locally driven. Not only do you have to follow federal regulation, you also have to follow state regulation. You also have to follow local regulation all the way down to the county level. And so understanding each of those three layers of regulation is really important. And so that drove a lot of where we first launched. So Texas is very pro landlord, they're pro tendency in common, so it was very easy to fractionize the property there and they don't have any sort of transfer taxes. So if I sold my tokens to you, other states or other cities would charge a tax on that, Texas doesn't. So that was a big piece that kind of decided where we even launched on the piece about where we're going and what do I think is going to get better over time. One of the big reasons we even did this on chains, we've had a lot of people say, "Why don't you just fractionize this without blockchain that's so complex, you're making your process harder." (12:00):It's really about the secondary financial implications of what it means to have things decentralized and on an open platform. So for example, we're already in discussions with an on chain lender to allow people to collateralize their tokens to actually take on chain debt. No bank, no credit score required, literally just you collateralizing your tokens to take on debt and that to me is a beautiful thing. You cannot own any piece of a home without a mortgage under your name or a bank, someone getting involved and checking out your credit score. So that to me is really, really exciting and something we can already do with the first home moving forward. Another piece would be as regulation gets looser, having more clarity around allowing peer-to-peer trading. So alternative training license is what we're going to be going for relatively soon, and that's going to allow for people to trade within themselves so they don't have to sell it back to Homebase, but actually allow for peer-to-peer trading. (12:55):To me, it's really just like all of the applications that then could get built on top of having real estate completely tokenized on chain is what gets me excited about the Web3 space. I think the pieces on the regulation that's going to push back is making sure everyone's KYC, making sure you know who your users are, making sure they didn't launder any of their money. But yeah, I think that's one of the biggest benefits of Web3 and creating liquidity in a market that's historically been pretty illiquid and at a very, very high prices. Brian Friel (13:23):Yeah, I think you're right. There's this element of composability that comes with this when this is native to the internet, it's online and there's a token, anyone can [inaudible 00:13:34]. Then like you said, build a lending market around that. And there's a world where one day you guys aren't even involved with that decision, it's just someone can just sole end or another project can say, "Hey, we already have this lending market and we accept these tokens now as collateral." My gut tells me that you guys are doing this by the book. That regulation is going to be the rate limiting step in all of this as it starts to go. How do you guys see the current regulatory landscape in the US and you mentioned that there's some differences not just federally, but on state levels and on county levels. Can you talk a little bit about that and why maybe you guys are choosing to start in Texas and where you guys, I mean maybe foresee the next markets that you guys are expanding to as well? Domingo Valadez (14:18):You're absolutely right. Regulation's going to be the inhibitor on doing a lot of Web3 related transactions for properties. I think Coinbase getting sued by the FCC is going to provide a ton of clarity around... Or that's my hope at least a lot of clarity around how Web3 companies should be operating. I think there's been a lot of confusion around what's legal, what's not legal. So just to keep our users safe, we chose the web2 legal approach where we tried being as closely to the book as we can in case things go wrong or awry. Our users are completely fine and we feel very confident with that. But of course as we continue scaling the company and getting bigger, we love for these secondary applications like a Solend. To just say, "Hey, we just created this lending platform, we actually don't need your permission to do it. We can just trade." (15:05):That to me would be amazing because that means we're succeeding in actually bringing homes on chain and tokenizing them and letting people do what they want with their assets. But the regulation's really going to kick in until then. Texas was great because it was very landlord friendly, very easy to fractionize the property and no taxes associated with that. We'll likely continue to stay in Texas for the near to medium term, we're in McAllen now, plan to go to Austin later this year. (15:31):Other markets we'd likely open it in would be Colorado is also pretty open to this. So is Florida, specifically Miami is pretty pro Web3 and pro tokenization. It would be very, very city state dependent on what laws they have in place and how we can make this work. For example, even us opening it up to international investors, that requires us to redo some of the legal structures we have to allow for international investors to even invest. So we're going to very much rely on partners that say... There's a lot of demand in Latin America, for example, specifically from this country, "Okay, that's going to be the first country we allow to invest internationally just because of the regulatory piece of that." And we don't want any of our users to worry about that. So we're trying to remove all that complexity for end users while Homebase deals are all the complexities around that. Brian Friel (16:19):That makes a lot of sense. Miami, Florida doesn't sound like the worst place to be a homeowner as well, so that aligns pretty nicely. Taking a step back as an end user who's thinking about this, let's say that somebody has a Phantom wallet, they've experimented with sending some crypto to their friends, they maybe have a few NFTs. What would they need to know to feel confident in taking this next step and being an owner of residential real estate? Is it as simple as just showing up to your guys' website, hitting connect wallet, filling out a couple forms in a Zoom call? Is there anything that they need to do after they've already completed the purchase or other things that they should be aware of? Essentially, could you walk us through the user journey from getting their first wallet to actually being a homeowner? Domingo Valadez (17:05):Yeah, absolutely. So funny enough, for our very first property, we actually had a lot of new to Web3 users participate. So plug for you guys, we had Phantom as the preferred wallet for people to create and effectively onboard into the Solana ecosystem. And I think something that was very beautiful about this was people could upload their money into Coinbase, send Solana or USDC and Solana to their Phantom wallet and see it happen in two seconds within the call that we were helping them do it. So I don't think it's the same thing for other chains, but that's something that Solana does really, really well. So once you have a loaded wallet, you as you mentioned, have to make an account on our website, you do need a KYC, you set up a quick call with us, just it's your way of understanding who we are as founders and you can ask us questions directly. (17:50):It's really just to build trust with people. But once we have a home that's live, you literally just go to the property page, you connect your wallet that we've already whitelisted preemptively, and then you can just buy however many tokens you like. So every single token is denominated in a hundred dollars, so everything's transacted in USDC and you can just buy however many tokens you like, they immediately get minted to your wallet and then you get sent DocuSign links to sign that'll make you truly a fractional owner of the legal entity we spun up to acquire that property. So once you purchase it and everything closes, you don't need to worry about anything. We know exactly whose wallets hold what tokens, and we just start sending you your proportional amount of net rent every month and then you can decide to sell whenever you'd like. Brian Friel (18:35):So there's no upkeep. Part of the joys of being a landlord is things break in houses, there's taxes, property taxes to pay, all this kind of stuff. All of that is abstracted away from an end user. Domingo Valadez (18:47):So any home we list on our platform, we charge an extra 5% fee and that's really just to have a capital reserve pool. So if anything breaks, like we as Homebase have a property manager, they'll go out and fix it and then we refill that reserve pool with rent. So the goal is to never ask people that purchased it for money, we can refill it ourselves with the rent we collect, which is what's beautiful about real estate, it's cash generating and in terms of property taxes, we handle everything from that end. We do distribute K1s to everyone at the end of the year because everyone has their own personal income taxes they need to pay. So we can't force you to pay them, but we can give you all the information you need to pay them on your behalf. Brian Friel (19:25):That makes a lot of sense. I was also thinking when we talked earlier about the layers of this that could be abstracted away and evolved over time, that's potentially one of them, but I'm not sure if people actually at the end of the day want that. Is there a world where there's Homebase down people are voting on how do we pay for fixing the plumbing leak? I have a feeling that that's a service that all owners here are pretty glad that you guys are handling on behalf of them. Domingo Valadez (19:50):Yeah, one thing that is true though is people can vote us out. So we're the default manager of the property, but if you're not happy with the job we're doing, you can absolutely vote us out. Brian Friel (19:58):Oh, that's interesting. How does that vote happen? Is that an on chain vote with tokens or how did you guys set that up? Domingo Valadez (20:05):Yeah, so not on chain right now, but theoretically you're truly an owner of the LLC and you have voting rights in that LLC. So if people just came together and said like, "Hey, we want to vote them out." There's a meeting set up, people say like, "Yay, we want to remove Homebase." We won't be the manager anymore. It'll be up to the owners to pick a new manager and then that's how they can start facilitating the management of that property. Brian Friel (20:28):Wow, that's fascinating. Domingo Valadez (20:30):Yeah, we truly want people to be owners. Brian Friel (20:32):Oh, that's really cool. So I guess I have a couple questions here to kind of wrap up, but you mentioned that you guys are onboarding a lot of net new users to Web3, essentially people getting their wallet for the first time, maybe they don't fully understand how to use these wallets or the gravity of sending things on chain and the irreversibility of a lot of this. Do you guys have any particular insights from getting on calls with these people and walking them through this process? Do these users stay in crypto in your view? Do they stay engaged with it? Is it a steep learning curve for them? Basically, how as an industry are we doing at onboarding these people who maybe find crypto not because of crypto but because of a use case Homebase where they're just, it's a solution to their problem. Domingo Valadez (21:15):So very transparently, I'd say some people do have difficulty and it's a 30-minute call, and other people it's very easy. So I think something a lot of users asked for was like, "How can we abstract the complexities of wallets even further?" We're thinking about potentially having noncustodial wallets on our website where we partner with someone that basically just showcases the wallets directly there and then for an end user, it doesn't matter if it's crypto, you just know you own tokens in a property, you didn't have to create any wallet, it was automatically created for you. But for the people that do know Web3 and have their own Phantom wallets, have their own personal wallet, they can do what they like with those tokens and use on chain, that sort of piece. So I think for the industry to continue to expand, we need to continue to make it easier for people to onboard, abstracting away a lot of the complexity is something that'll continue to be key to keep widening the pie for everyone. Brian Friel (22:09):Totally. I can't imagine the call where someone buys a bunch of shares in a residential property and then forgets their seed phrase so, these are things that we're thinking about as well. I mean, I liked that framing of essentially giving users the easy option to start and the optionality to eject from that and really take control if you really know what you're doing. I think that's awesome. Domingo Valadez (22:31):Absolutely. Brian Friel (22:32):Well, this has been an awesome discussion, Domingo. Before we wrap up with one closing question, I always ask everyone I want to know for you too, what excites you the most right now from where you guys sit in this new field of on chain residential real estate, where are you guys heading next and what do you think is the most exciting next frontier? Is it new markets? Is it improvements in the way this is happening on chain? Is it in regulation? Or maybe it's something completely different that you guys are seeing? Domingo Valadez (22:57):I'd say one of the biggest drivers for me for building Homebase, we want to redefine home ownership and what that even means, I think we'll continue to see real estate prices keep getting more and more unaffordable for folks. And I think being a homeowner's going to start being a privilege, which is a really sad reality. Unless we have true government intervention come in and add more housing supply, I think it's going to get worse. And so with that reality, it's like it's up to private markets to figure out how do we actually make more people homeowners? So something we care a lot about at Homebase and something we're very mission driven about is making the tenants that live in these properties, also fractional owners of them. And so getting people comfortable with the idea of only owning 10, 20, 30% of their property, but still feeling like an owner of that property. (23:42):And so for this very first home, for example, Homebase bought an extra piece of it so that we can offer it to the tenant to actually buy it from us so that they can also be a fractional owner of the apartment they're living in. And so in 10 years we want Homebase to be the destination for renters. When you're moving to a new city, you use a Homebase platform, you find an apartment, you move in, you buy 30% of the value, and now you're a fractional owner of that property. So that's why Web3 excites me. You can completely do this in an open liquid market and we're trying to facilitate that through Homebase. Brian Friel (24:14):Yeah, that's putting skin in the game too, right there, you're a renter and you actually have upside if you treat the place well. That's pretty cool, and I think that's kind of spinning the model on its head in a really crypto native and interesting way. And I love that framing. Well, Domingo, this has been an awesome discussion. One question we ask all of our guests, and I want to know this for you as well, is who is a builder that you admire in the [inaudible 00:24:38]. Ecosystem? Domingo Valadez (24:38):Okay, this is going to be a total cop out, so I'll give you two. My first one's [inaudible 00:24:44]. I love that man's Twitter content. I feel like the way he speaks, he's clearly very, very technical, but also very good at bringing things to a high level and explaining things. And it's no secret that Solano ecosystems gotten a lot of heat from a lot of third parties where the day FTX went down, someone from the Binance blockchain basically told me I was dumb to continue building on Solana and was really trying to pull us to build on their chain. (25:09):And I was like, "I think the leaders of Solana are taking this very well and are being very, very thoughtful about how they're moving things forward." So that's the first piece really, really like [inaudible 00:25:19]. The second one's [inaudible 00:25:21]. I love his content. He's been a champion for Solana and you can always rely on that guy to call out people that are spewing fake news about the chain and really showcase his technical know-how of how things truly work behind the scenes. So I think those are probably my two biggest, I fanboy over both of them a good amount. Brian Friel (25:43):I think those are both great choices. And a sneak peak, you mentioned that the [inaudible 00:25:47]. Recording was just before this, but [inaudible 00:25:49]. Also mentioned [inaudible 00:25:50]. As his choice. So you're in good company there. Part of what [inaudible 00:25:55]. Was saying too is he loves people that are building pragmatic applications that can "Only be done on Solana TM." And I think Homebase is a really awesome shiny example of that. So thank you so much for taking the time to walk us through it. I'm super excited. I'm going to have to check it out, bring my Panama to it. I know nothing about residential real estate, but I think you've given me the confidence to give it a try today. For folks who want to check it out, where can they go to learn more about Homebase? Domingo Valadez (26:22):Yeah, you can go directly to our website, which is Homebasedao.io. Brian Friel (26:26):I love it. Domingo Valadez (26:27):Everything's completely transparent on our website, we even have a white paper that goes into all the technical pieces, whether it's the legal side, whether it's all the technical side on the blockchain component piece. So we're very, very transparent and we also have a discord where we answer questions as people have them. Brian Friel (26:42):That sounds great. Domingo the co-founder of Homebase, thank you so much for coming on. Domingo Valadez (26:48):Absolutely. Thanks so much, Brian, for having me.   

Antibiotic resistance has become a growing problem in the treatment of bacterial infections. In addition to minimizing or negating the effects of existing medicine, these antibiotic-resistant bacteria, or “superbugs,” are mutating faster than the development of new remedies. Caitlin Howell, University of Maine associate professor of biomedical engineering, is working on new tools that take notes from nature to combat antibiotic-resistant bacteria. Similar to the way in which the human body keeps balance with its own bacterial populations, Howell's devices use nontoxic, non-invasive surface-based technology to trap bacteria and prevent them from spreading. In this episode of “The Maine Question” podcast, Howell discusses how nature can inspire engineers when developing new resources for improving human health. She elaborates on her research developing technology that can help reduce infections among hospital patients.

In this episode, Joe has an inspiring conversation with Tina Marie, a renowned expert in helping entrepreneurs tap into their own superpowers to achieve their dreams.  They delve into the notion of finding your anchor, the fundamental and universal truths that guide your journey toward success. Similar to Tony Stark's suit, Tina Marie emphasizes the importance of engineering systems around your superpowers to reach your full potential. To discover your strengths and weaknesses, it's essential to question and test them in the real world to figure out the path that's right for you and your business.  Defining your non-negotiables and setting boundaries is critical because what you allow continues and without boundaries, you will always be stuck in an unhappy situation. As you evolve and grow your boundaries, trade offs are necessary for you to land in a better situation. You often exchange one set of problems for another, but it's the set that's best suited for you to handle. The key is to observe your fundamental truths and apply them practically. Discover what energizes you and generates income. By tracking your finances and time, you can create a new business plan that aligns with your goals and aspirations. Keep an inventory of your mind, including your time, energy, and thoughts, to stay on track and focused to elevate your business and life to the next level. Join Joe and Tina Marie in this inspiring episode to learn how to build your own Iron Man suit and create a thriving business around your unique superpowers.  Some topics discussed in this episode: The Story of How Two Anchors Met: Discover how Tina Marie and Joe bonded over their shared belief in anchoring themselves to their fundamental truths and universal principles. Uncover Your Anchor: Find your own personal anchor, the foundation upon which you can build a successful and fulfilling life and career. Become the Iron Man of Your Life: Learn how to engineer systems and structures around your superpower to help you reach your full potential and become unstoppable. Test Your Limits: To take your business to new heights, you need to question your strengths and weaknesses and take risks to test those strengths and weaknesses in the real world to discover your true potential. Define Your Non-Negotiables: Recognize that you must pay the price for a better situation in life, and commit to making the necessary sacrifices to achieve your goals. Set Boundaries to Protect Your Energy: Define your boundaries and guard your precious time and energy against those who would waste it. Embrace Tradeoffs to Grow: Accept that growth and evolution come with tradeoffs, and embrace the challenges that come with them to find the set of problems best suited for you. Observe Your Fundamental Truths: Take the time to observe and reflect on your fundamental truths and learn how to apply them practically in your life and business. Find Your Energy and Your Money: Discover what truly gives you energy and makes you money, and build your life and business around those things. Unlock Your Potential: Take control of your finances and time by making meaningful connections between the two through data-oriented actions, and design a business and life plan that empowers you to thrive. Keep Inventory of Your Mind: As a busy entrepreneur, it's essential to keep an inventory of your own mind, including your time, energy, and thoughts, to ensure you stay on track and focused. Go Back to the Basics: When you're feeling lost and uncertain, go back to the simplest truth - the math and data of your life - to find your way forward. Here are a couple of other episodes you might enjoy that are similar to this one with Tina: How To Be Smarter, Energized, And Focused All Day with Theo Lucier The Surprising Power of Tiny Micro Actions with Trevor Turnbull How to contact Tina Marie: Tina Marie's Website Tina Marie's Facebook Tina Marie's Linkedin References & links mentioned: Breakthrough Advertising Mastery Time Tracking App Thanks for tuning into this episode of the Hustle & Flowchart Podcast! If the information in these conversations and interviews have helped you in your business journey, please head over to iTunes (or wherever you listen), subscribe to the show, and leave me an honest review. Your reviews and feedback will not only help me continue to deliver great, helpful content, but it will also help me reach even more amazing entrepreneurs just like you!

Rich Hribar is joined today by new Sharp football employee Raymond Summerlin! The guys are discussing the 2023 NFL rookie class but more importantly, how these players will perform in fantasy Today is mostly offense focused but from Bryce Young, C.J. Stroud and Anthony Richardson to Bijan Robinson, Zay Flowers and Dalton Kincaid there is A LOT to discuss! Who to draft and when should you draft them? If Anthony Richardson starts day one is it worth drafting and playing him? How does Bryce Young do with limited weapons in Carolina? Similar situation with Stroud. Is Bijan just another cog in the Atlanta running game or is he the next fantasy stud? All this and much much more!

Co-Host of Outnumbered on the FOX News Channel and former White House Press Secretary Kayleigh McEnany joins Martha to discuss her latest book, titled Serenity in the Storm: Living Through Chaos by Leaning on Christ.   Similar to her previous book, Serenity in the Storm analyzes various issues Americans face and domestic and international challenges through a faithful eye. Kayleigh emphasizes the importance of integrating God and faith into everyday life and explains how He plays a part in her family and career.   Follow Martha on Twitter: @MarthaMacCallum Learn more about your ad choices. Visit megaphone.fm/adchoices

Todays talk is a bit heady and philosophy heavy, but it's a good one! After studying and listening to some Todd McGowan, Jay starts to really break down the idea of separation and what Paul means when he talks about “…for all have sinned.” Often times we've heard that as a way to make us feel bad, or to emphasize how much we rely on salvation, but what Jay discusses is: What if what it means is we're all equal? Similar to what Paul says in Galatians about there being no Jew nor gentile. If sin is separation, and grace is reunion – then by saying ‘for all have sinned,' really we can look at it that we're all just as separated. We're all coming from the same place. We're all starting on a level playing field. That we're all outcasts! Together! It gives us a common ground, together. And that's a start to getting rid of the concept of ‘other.' If we see that nobody belongs, then it stops us from fighting about who belongs. When Jesus is sharing a meal with Matthew and is questioned about the company he kept, he told them that he came to help the sick, not those who think they aren't. He came to help the separated, not those who feel they aren't. Let's live in the imperfection and the contradiction of it all! And realize that that's the meat of living.This talk was given on April 30, 2023 from Seattle, WA.www.facebook.com/revolutionchurchmnwww.revolutionchurch.com/donatewww.youtube.com/revolutionbroadcasting@jaybakker@revolution1994@revolution94 Hosted on Acast. See acast.com/privacy for more information.

Vivek Ramaswamy joins the show to discuss Hunter Biden's damning probe. Then, Howie shares the shocking similarity between E Jean Carroll's "testimony" against Donald Trump and an episode of Law and Order.

The Biden administration is being accused of running a large-scale child trafficking operation in relation to the “border crisis.” Findings on this from a grand jury were detailed in a 142-page document from the Supreme Court of Florida. Similar accusations were recently made by Department of Health and Human Services whistleblower Tara Lee Rodas. While testifying before the House Judiciary Committee, she stated that, “whether intentional or not, it can be argued that the U.S. government has become the middleman in a large scale, multi-billion-dollar child trafficking operation that is run by bad actors seeking to profit off of the lives of children.” In this episode of Crossroads, we'll discuss what's really taking place. ⭕️ Stay up-to-date with Josh with the Crossroads NEWSLETTER

Storytime of the cringiest, most awkward, and most hilarious spoiled kids and minecraft kids who GET EXPOSED AS BEING CRINGE and its FUNNY. I bet you'll laugh at these funny and hilarious stories, and you your best to not cringe! Similar stories as stories told by Am I The Jerk? rSlash Scrubs and Mainly Facts --- Support this podcast: https://podcasters.spotify.com/pod/show/connor-pugs/support

When you have fast, uncomplicated births, does the location really even matter at that point?   This week, we're speaking with Lauralee Kirkland, a mother to 3 babies earthside and one in heaven. We'll hear how Lauralee's decision-making has changed with each new birth, and how she's been able to step into both labor and motherhood more confidently each time.   Before we jump in, I'm going to give a little spoiler alert. Lauralee shares about the benefit of truly preparing for the birth experience you desire, and how it's really not up to anyone but YOU to educate you. This is such an important piece of advice, and I completely agree. In fact, this is why I've created Happy Homebirth Academy. The reality is that no one is going to care about how this birth unfolds as much as you will-- so let's get educated. Let's take the time to decide what's important to you, to prepare for all of the potential situations that may arise, to learn how to not only cope but ENJOY our birthing experience, and to deeply ready ourselves for postpartum.   And...I've got a coupon code for you: use the code PODCAST to get 10% off at checkout!     Episode Roundup: Like I mentioned at the beginning of the episode, It's so important for you to invest in your growth if you have an idea for your birth— as opposed to leaving it to chance. In Lauralee's journey, she spent so much more time preparing for her 3rd birth, which led to a sense of preparedness and joy in her actual birthing process that she had yet to feel before. She also felt far more settled in her third postpartum, and I have to imagine that her preparation played a role in this as well. Even with births that looked both "good" and similar on paper, the reality is that this doesn't necessarily mean that they're experienced the same way. Lauralee was able to internalize and metabolize her third birth experience immediately in a positive, joyous light because of, once again, the type of preparation that she did beforehand. And finally, this type of preparation leads to one more amazing birthing aspect: The feeling of being PART of your birthing process as opposed to it simply happening to you. When we've prepared thoroughly, we are able to feel like an active participant with AGENCY in our birth, not a helpless bystander whose body just happens to be birthing a baby. What a mindset shift with lasting implications.     Use code HOMEBIRTH for 10% off The Homebirth Collective FREE Homebirth Essentials Guide   Make sure they're the pre-countdown links!

Learn how to harvest equity without giving up your low, fixed-rate mortgage. Today, I discuss: conventional loans for single-family rentals, DTI, refinancing, accessing equity, student loan debt, and down payment requirements for income properties with Ridge Lending Group President, Caeli Ridge. Learn what's better for a second mortgage—the pros and cons of a HELOC vs. Home Equity Loan. You also get a mortgage market overview. We discuss changes in cash-out refinance seasoning requirements.  Caeli also describes where she believes mortgage rates are headed later this year. Resources mentioned: Show Notes: www.GetRichEducation.com/447 Ridge Lending Group: www.RidgeLendingGroup.com info@ridgelendinggroup.com Join us for tomorrow's free GRE Florida properties webinar: www.GREwebinars.com Ridge's All-In-One Loan Simulator: https://ridgelendinggroup.com/aio-simulator/ Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Find cash-flowing Jacksonville property at: www.JWBrealestate.com/GRE Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free—text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   Speaker 0 (00:00:00) - Welcome to GRE! I'm your host Keith Weinhold. You can get a conventional loan for a single family rental with less than a 20% down payment. Learn why you might want to refinance today. Even though mortgage rates aren't as low as they were a couple years ago, how do you qualify for loans if you've already got student loan debt? All things mortgages and financing today on Get Rich Education, Speaker 2 (00:00:29) - You are listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Speaker 0 (00:00:52) - Welcome to GRE from K Patis North Carolina to Hattiesburg, Mississippi and across 188 nations worldwide. I'm Keith Weinhold. This is Get Rich Education, the voice of real estate investing since 2014. Before we get into a great education on all things mortgages today, there is still a little bit of time left for you to join us on tomorrow night's G R E Live event. You can join us from the comfort of your own home. This is for new build single family rentals, opt to four plexes in Jacksonville, Ocala, and elsewhere in Florida. Purchase prices are still below 300 K on the single families. Yes, still in the two hundreds in some cases. I don't know how long that can last. Yeah, these are the property types that are quickly vanishing. Our investment coach Naresh Stars in that event tomorrow, he finds you the good deals with the national providers that are actually giving incentives despite the fact that the product that you're buying is in really short supplies.   Speaker 0 (00:01:59) - You're gonna get a good, solid, fundamental education on what makes a durable income property market and a arrest in the Florida provider are going to share with us just for webinar attendees. Those even better than two and two incentives. Yes, for you, the incentives on the webinar are even better than that 2% of your purchase price paid do you in closing costs cash and 2% of free property management. It is going to be even better than that. That's gonna be rolled out tomorrow night, May 2nd at 8:30 PM Eastern, 5:30 PM Pacific. It is free to attend. You can ask questions live, get your questions answered and get access to the actual properties should you so choose. That is the final reminder. So if that's of any interest to you, be sure to sign up now@grewebinars.com. I'm coming to you from the Mojave Desert today here in metro Las Vegas.   Speaker 0 (00:03:04) - It's Henderson Nevada. To be technical next week I'll bring you the show from Phoenix, Arizona. And you know what? It's kind of funny. Sometimes you hear people refer to this general area of the nation this southwest and they say they are going to the desert if they were doing what I'm doing. Well this unrepentant geography nerd will clarify that it is the deserts plural. Yes, Las Vegas is in the Mojave Desert in Phoenix is in the Sonora Desert. There are differences in vegetation type and others that distinguish the two. And the most obvious difference perhaps is the presence of the big iconic Saguaro cactus down in the Sonora that you don't find up here in the more northerly Mojave and perhaps the Joshua tree is the more distinct plant type here in the Mojave. Yes, we're talking about two gigantic pieces of real estate here. Much of it is baron. Two disparate deserts with their own distinctive flora and fauna. As you're about to learn about financing real estate today, let's remember that there is a cash out refinance and then generally if you're performing a refinance without pulling cash out, that is known as a rate and term refinance. Let's get into it.   Speaker 0 (00:04:30) - Well hey, well how do you qualify for more mortgage loans at the lowest interest rate available, Americans have near record equity levels in their homes. What's the best way to access that equity yet keep your low mortgage rate in place? And what about your student loan debt and how that factors into you getting a mortgage or getting a refinance? We're answering all that today with a GRE regular guest and though it's her first appearance back on the show this year, it's the return of the company president that's created more financial freedom through real estate than any other lender in the entire nation, Ridge Lending Group. It's time for a big welcome back to Caeli Ridge.   Speaker 3 (00:05:08) - Keith Wein. Hold. Thank you. You flatter me sir. I appreciate it. Love being here with you and for your listeners.   Speaker 0 (00:05:14) - Well yes, the president is back and everyone loves this type of president because it's not about being a Democrat or Republican. So hail to the chief, great to have you here. And Jaylee mortgage rates, they have settled down a good bit from their recent highs now they peaked back in the fall of last year. So with that and some of the other things in mind, why don't you talk to us about the big picture first, sort of your mortgage market overview.   Speaker 3 (00:05:40) - Interest rates is always top of mind for everybody. I think they're doing pretty well. I do believe I've been sharing with our listeners and and my clients on a day-to-day. I do believe that rates will continue to kind of increase here and there. There's gonna be some ups and downs. Of course the Fed has been very clear with us. Jerome Powell is gonna continue to raise the Fed fund rate just for anybody that doesn't know the two between a mortgage rate and a Fed fund rate while connected, not the same thing. So when they raise that does not automatically mean that we see the increase on the the 30 year mortgage bonds. I think that that's gonna continue to happen, but I think the pace in which it happens or continues to happen is gonna be a lot less aggressive. So I think that's gonna bode well overall.   Speaker 3 (00:06:21) - For interest rates. I know everybody is very, very interested in in are they going up, are they going down, when are they going up, when are they going down? I think that we'll continue to see a little bit of upward movement. I think it's gonna be sometime next year that we start to see interest rates come back down in any meaningful way. And remember gang rates go up much, much faster than they come back down unfortunately. So I think we've got a little bit of way to go. But I'm always the one saying, Keith, you and I have talked about this, um, many, many times you must be doing the math and that the rate as a function of the return of the investment isn't the most important thing. So I'll leave it there for rates. Otherwise, I think that the industry is doing really, really well.   Speaker 3 (00:06:58) - One big announcement that we had this year was that Fannie and Freddie both have extended the seasoning period of time to where a cash out refinance when leverage was used to acquire is applicable. So now you have to wait 12 months to pull, to pull cash out of a property using the A R V that after repair value if you use leverage to acquire the property. Quick distinction because this has been confused. If you paid cash for the property, your source and season funds, that still falls under what's called the delayed cash out refi and no seasoning is required. It's only when leverage was used to acquire the property and then they're trying to use an after repair value to pull cash out in hand. Is that 12 month seasoning rate and term is different. So that doesn't apply either.   Speaker 0 (00:07:45) - Okay. So if you make a purchase and then say it less than 12 months down the road, you want to do a refi but not pull cash out, is that still all right?   Speaker 3 (00:07:55) - That's absolutely fine. No seasoning is required and we can use the arv. It's only when you want cash in your hand that that 12 months is is applicable.   Speaker 0 (00:08:04) - Got it. Okay. That's really helpful to know. Just big picture before we winnow down, are there any other big substantial mortgage stories out there that some should know about? Um, it was only a couple weeks ago, there was a lot of misinformation going around on TikTok and elsewhere about 40 year loans from F H A without people understanding that's just for loan modifications and really other stories like that. Any other big picture things where you can help us see what's happening?   Speaker 3 (00:08:30) - It seems to be par for for the course? I have not. There's nothing that's come across my desk that I would say was newsworthy or noteworthy to share. I think we've got more to unpack here than any of that.   Speaker 0 (00:08:40) - Yeah and things sure are picking up here around G R e. People wanna buy more properties this year. It really slowed down toward the end of last year, right about when the mortgage rates were at their peak. So when we talk about getting loans, we think about leverage. Leverage is created with debt. Has anything changed with the down payment requirements for an income property? And we're largely here in today's discussion talking about one to four unit income properties. Properties that you don't live in yourself,   Speaker 3 (00:09:08) - Correct down payments have have remained the same. There isn't been anything that has changed there. Just to reiterate, for those that may not be aware on a single family residence, conventionally 85% loan to value is applicable. You can leverage all the way up to 85, you're putting 15% down. Keep in mind everybody that that will have pmi, private mortgage insurance attached to it, I would have you look at them side by side. The PMI factors actually pretty low and depending on the loan size it may only be 20, 30 bucks a month. So if you're able to leverage extra, it may make sense. You're gonna have to look at the numbers so that single family and then two to four unit on a purchase transaction different on a refinance transaction but purchase is 25% down or 75% leverage is required for those duplex, triplex, fourplexes.   Speaker 0 (00:09:54) - Okay, so as little as 15% down on a rental single family home. So you're getting up to six to one, seven to one leverage in that case. Sheila, do you find very many people doing that or would they rather pay the 20% down for a rental single family home and not have the pmi?   Speaker 3 (00:10:10) - I find that right now I think that it's less common than maybe it was because interest rates are up from where they were, uh, a year, year and a half ago. So more often than not we see the 20% down. But I still think it's worth looking at. I mean you're never gonna know unless you run the numbers right side by side.   Speaker 0 (00:10:25) - Okay, so we're thinking about how much cash we have to have put aside for a down payment in closing costs. And one thing that we need to do in order to qualify for that loan in the first place of course is some people get hung up on the dti, their debt to income ratio is too high to qualify for property and chaley. Over the past few months I've had a few listeners write in with questions and I thought, well I'll say that question until we have chale on again. And one of them really has to do with student loan debt. Student loan debt often contributes to one having too high of a debt to income ratio so that they didn't have to repay their loan. I know that Biden said that you wouldn't have to pay back student loan debt for a while, but can you talk to us specifically about student loan debt with D T I?   Speaker 3 (00:11:06) - There's gonna be a few pieces to share with everybody depending on whether we're talking about Fannie Mae or Freddie Mac and we won't know who we're gonna end up selling to after the loan funds. And they have slightly different guidelines between the two of them. Similar. But there are some differences as it relates to student loan debt regardless of whether you're in deferment or you've been told that you don't have to repay. If it shows up on an individual's credit report, the calculation will be as follows. They're going to take the outstanding balance times 1%, that's Fannie Mae's rule or the outstanding balance times half a percent. That's Freddie Mac rule and that will be the payment that we include in the debt to income ratio. Uh, I'll mention that the all-in one, which is a very popular loan right now. First Lean HeLOCK, maybe we'll talk about that here today. They will defer to Fannie rules so it'll be 1% of the outstanding debt pulling on the credit report even if it shows a zero payment listed. Now there is one caveat, if the individual has a letter, this happened maybe in the last six months and I'm trying to think about, there was a title, it's pretty rare. But if they're able to gain access to documentation that specifies that they are not going to have to repay that debt and we can take that documentation, then we can zero out that payment in the D T I.   Speaker 0 (00:12:22) - Alright, there's some strategies for how you can approach D T I with respect to any student loan debt that you have and what is the maximum D T I that a borrower can have?   Speaker 3 (00:12:34) - Conventionally and non qm, you're gonna get to 50% debt to income ratio for the all-in-one since we just touched on it, 43% is the absolute max.   Speaker 0 (00:12:43) - Okay. And on prior shows, Chile and I have discussed specifically with examples just how that D T I is calculated. If you're wondering, you can hear that in some past episodes Chile one one goes ahead and they continue to add income properties to their portfolio. Often I recommend that one does that with high leverage but not over leverage. How does one keep their D T I ratio down over time as they continue to add properties so that they can qualify for more properties in the future? Is there a good strategy for that?   Speaker 3 (00:13:14) - There is, and it's such a good question because as investors, right, our qualification primers are not static. They're going to change over time as we buy and sell and refinance. So it's very, very important, especially with the debt to income ratio that we're keeping an eye on it. And there's a few ways in which you can kind of strategize or optimize that D T I. The first is going to be the Schedule E, okay? The Schedule E is where all the rental properties are going to live once you've filed the annual tax return. The easiest way for the time that we have here today, Keith, is gonna be to tell the listeners, send us your draft returns. So on an ongoing basis we tell our active clients do not file federal tax returns until you send us the draft. We're going to run that draft through the pre-formulated calculation that comes straight from Fannie, Freddie and then we're gonna provide you with some feedback, one of which may be Mr.   Speaker 3 (00:14:03) - Jones, you forgot to include your insurance as a deduction and that's actually an add back that's gonna be to your disadvantage. Make sure that you put that in there. You didn't claim the full number of days of income for the property, you forgot to put depreciation on there. That's also an add back. There's a whole slew of things that we can look at and look for and give the individual that feedback so that they are filing at that optimal way while maintaining what the maximized tax credits are, right? There's a nice balance there. The more aggressive you are with the tax deductions, the more it can impact the D T I. So we wanna have eyes on that and work closely with the client and or their CPA is a very common part of what we do. So schedule E a little more complicated, that would be one of the the ways in which we wanna maximize debt to income ratio.   Speaker 3 (00:14:45) - Obviously not obtaining new debt, new consumer debt is is not gonna be to our advantage, right? We don't want more liability than we have income. Another thing is, is that when we talk about credit and a lot of clients that we talk to, they pay their credit cards off monthly, right? Maybe they charge up five grand, eight grand, 10 grand, they get a miles or whatever it is. It's very important to communicate with us to find out when in the month we wanna strategically pull the credit. Because what will happen is is that the day in which we take that snapshot, if there's a minimum payment due, a balance with a minimum payment, that minimum payment will be used in the individual's debt to income ratio regardless of whether they're gonna pay it off at the end of the month. That doesn't matter to us.   Speaker 3 (00:15:26) - There's a payment here, we gotta hit you for it. So strategizing on the day in which we wanna run credit might be another helpful way for D T I. And then finally, and there's probably a few other things, but I think high use would be, I don't like the shorter term amortizations. I think this is something else you and I have talked about many times, Keith, where people wanna pay off quicker, which is great if that's really what they wanna do, that's perfectly fine. I'm not sure that that would be my strategy, but whatever. Don't get yourself into a 15 year fixed mortgage because it's only gonna jack that payment. It's gonna really increase that payment. It's ultimately going to, for long-term optimization, hurt your D T I. You can do the same thing with a 30 year mortgage and not pay extra interest by accelerating the debt if that's what you chose. So those would be the the few things I'd comment on   Speaker 0 (00:16:10) - 100%. And for you the listener and viewer right now with what you just heard from chaley, you can begin to understand the value of working with a lender that works specific with income property investors rather than those lenders that are more geared toward primary residents, borrowers. Nothing wrong with them but they're in their lane during their thing. And you can understand why Chaley over there at Ridge is really a specialist to help you qualifying for as many income property loans as you possibly can and optimizing those loans as well. Chaley, when we talk about interest rates, oftentimes it's of interest to people to look at what are refinance interest rates like versus new purchase interest rates.   Speaker 3 (00:16:54) - I would say on average there's a variety of of variables that dictate what the rate is gonna be. Okay? I talk about this a lot. They're called LPAs loan level price adjustments. And a loan level price adjustment is a positive or negative number that attaches to the characteristic of the loan transaction. So purchase or refi, hash out refi rate and term refi credit score has its own L L P A loan to value, loan size occupancy. All of these come with a positive or negative number attached to them as it relates to purchase versus refinance. Generally speaking, let's take a rate and term refi where you're not getting cash out, you're just maybe taking an arm and making it affix. You're taking a higher rate and making it lower, whatever, maybe about a half a point difference. So if a purchase was at six and a half, the re rate and term refinance might be at 6 75 or 7%, cash out's gonna be a little bit different. I would add a quarter point to that and then if, if it's a two to four unit, add another quarter point on top of that. So those variables do make a difference.   Speaker 0 (00:17:53) - And maybe the listener might think, well why are you talking about refinancing at a time like this? If I wanted to refinance, I would've been more likely to do that about two years ago when mortgage rates read historic lows. But today Americans are sitting on near record equity, oftentimes it might be tied up in a low mortgage rate loan with that equity chaley. I talked to some people out there just lay people, people that aren't even investors and they have a big equity position with a really low mortgage interest rate loan and they seem to think that to refinance it, they would need to go ahead and refinance their entire mortgage and lose that maybe three or 4% loan, but they don't necessarily have to if they can do a second mortgage. So I guess really what I'm getting at and the question chaley is what is the best way to do a rate and term refi versus a cash out refi? And I know there are a lot of scenarios there.   Speaker 3 (00:18:44) - Yeah, lots of scenarios. So to your point, it is not necessary to give up a very low fixed rate mortgage if you want to harvest some of that equity. The ways in which, and I'm gonna have a plug after this for the all in one, but I'll get to that cuz I'm just such a big fan. But the ways in which you can do that both for your primary residents, a second home and an investment will be through a second lien mortgage, whether it be a heloc, home equity line of credit or a he loan, the HE loan is applicable for the rental properties. I do not believe, I hope somebody can give me alternative information, but I do not believe you're able to find second lean HELOCs for rentals today. I feel like those have really dried up if they're out there, the ones that I know of that used to do them are not doing them anymore.   Speaker 3 (00:19:27) - If they're out there and anyone's listening to this, somebody please let me know. Keylock for rental probably not an option. He loan for rental absolutely is an option. And this is guys a fixed rate mortgage in second lean position, just like your 30 year fixed first, this will be a 30 year fixed second interest rates are gonna be higher. And since we were talking about interest rates, I'm gonna say that they're probably anywhere from 10 to 13%, but they're smaller amounts. C L T V combined loan to value for a he loan on a rental would be 85% is what we have access to. So as quick math guys, if you have a value of a home of a hundred thousand and you owe on your first mortgage 50,000, the CLTV would be 85% of a hundred. So 85,000 minus the 50001st, which stays in place, you'd have access to about 35,000 in that example. And that would be access to rental properties that you just do not want to mess with that first lien mortgage different for owner-occupied. And I'll take your queue on when you want me to get into that.   Speaker 0 (00:20:26) - Yeah. Okay. So we are just talking about income property second mortgages there. Tell us about primary residences.   Speaker 3 (00:20:32) - So primary and secondary should be in the same bucket. You can leverage just 90% C L T B, same math as before but up to 90% And these are gonna be, you have HeLOCK and he loan. I'm gonna assume most people are gonna go for the HeLOCK, right? The open-ended revolving is definitely more attractive than a closed-ended fixed I believe in a second lien. And you know Prime is at eight I believe right now. Gosh, I should have checked before we go on, but I think Prime is sitting, it's an index. An indices like the Fed fund rate, that's an index two prime is at about eight. And then depending on the characteristics, those l LPAs that I mentioned, loan level price adjustments are gonna come up with a margin. Maybe it's 2% over prime or one or whatever it is depending on those things. So I would anticipate a HELOC and second lie position on a primary residence will be anywhere from eight to maybe 10%. More often than not is what you should expect. Interest only open-ended.   Speaker 0 (00:21:24) - And on the second mortgages, whether that takes the form of a HELOC or a HE loan, how long is the initial fixed rate period? Typically   Speaker 3 (00:21:32) - There are hybrids where you can fix in for a year or three years, et cetera. Those are available. I'm not sure that you wanna do that in a high rate environment. You probably wanna avoid any fixed rate right now if you had the option to get into it a couple of years ago, you're looking really good right now because you fixed in at at some ridiculously low rate for a period of two, three, maybe five years. I would tell people listening, fixing in on a HELOC right now is not gonna be your advantage when we believe that rates are gonna start coming down over the next year, et cetera. But for the HE loan, it's fixed for 30 years. Just like a 30 year fixed first lie mortgage, it's fixed, you have it four 30 years, it's amortized, it's closed ended. You're making your regular payments until you pay it off after the 30 year period of time.   Speaker 0 (00:22:13) - We're talking about how you can more efficiently borrow in this environment where people and investors have high equity positions and we have hopefully come off the mortgage rate highs from late last year. You're listening to Get Risk Education. Our guest is Ridge Lending Group President Chaley Ridge Morton, we come back. I'm your host Keith White Hole with JWB Real Estate Capital. Jacksonville Real Estate has outperformed the stock market by 44% over the last 20 years. It's proven to be a more stable asset, especially during recessions. Their vertically integrated strategy has led to 79% more home price appreciation compared to the average Jacksonville investor. Since 2013, JWB is ready to help your money make money, and to make it easy for everyday investors, get started at jw b real estate.com/g rre. That's JWB real estate.com/g R E GRE listeners can't stop talking about their service from Ridge Lending Group and MLS 40 2056. They've provided our tribe with more loans than anyone. They're truly a top lender for beginners and veterans. It's where I go to get my own loans for single family rental property up to four plexes. So start your pre-qualification and you can chat with President Chaley Ridge personally. They'll even deliver your custom plan for growing your real estate portfolio. start@ridgelendinggroup.com.   Speaker 4 (00:23:45) - This is Rich Dad sales advisor, Blair Singer, listen to Get Rich Education with Keith Wine Hold and above all don't quit your daydream.   Speaker 1 (00:24:03) - Welcome   Speaker 0 (00:24:04) - Back to Get Rich Education. We're learning about how to be a savvy borrower with President of Ridge Lending Group, Chaley Ridge and Chaley. One product you have there that's really flexible and has helped out so many people and helped save borrowers tens of thousands of dollars in interest or more is what's called your all in one loan. Tell us about it.   Speaker 3 (00:24:25) - This is a first Lean HeLOCK everyone. I'm such a big fan, it's not for everybody, but for the right individual, I don't know that there is a loan product to rival it. It's got all the flexibility in the world and as Keith said, the mechanics of this and the concept of this arbitrage, it's called Velocity Banking, infinity Banking. If anybody's familiar with those terms, that's what this does. It allows you all the open flexibility to sort of become your own bank where you have this line of credit. It is a first lien line of credit. So let's take a a step back and talk about those low interest rates that everybody has secured over the last couple of years. We were very lucky to have to two and a half, 3% interest rates. And I'm constantly having this conversation and I'm really trying hard to dispel the psychology of you can never do better than that when it's just not the truth.   Speaker 3 (00:25:14) - And mathematically you will be able to figure this out. I'm gonna plug our website here. There is an interactive simulator that will take you to the all-in-one simulator where you can compare your existing fixed first lien mortgage to the All in one and and the input data is very, very simple. No vials of blood here guys, but if the input is accurate, the results page will tell you very clearly if the all-in one will save interest and Trump over the 30 year fixed at two and a half or whatever it is, or if you're fixed rate mortgage is more to your advantage, it will be very clear there'll be no mistaking it from that. I think further conversations will be necessary for those that see some real value in the All In One. I won't go too far down that rabbit hole, it's a little bit more complicated than we probably have time for here. But the first Lean All In one is such a fantastic tool. I really encourage your listeners to go ahead and and check out at the very least the simulator and see how it applies to you.   Speaker 0 (00:26:08) - The all-in one loan operates much like a first lien heloc. I don't think we have time to describe it all. Like you said, you do have the simulator there on your website@ridgelendinggroup.com where one could see if their existing mortgage it compares favorably or unfavorably to the all-in one loan. But as we know with the first lien heloc, therefore one feature of the All in one loan is the option, not obligation, but option of making interest-only payments to keep your payment down.   Speaker 3 (00:26:34) - Yeah, this is where it gets a little bit tricky for some people when we start talking about payments FirstLine Open-ended HeLOCK, where it's called the All In one because you're replacing not only your mortgage with this revolving open-ended heloc, but also a checking and savings account and combining those two elements whereby simple depository income is being used at dollar for dollar driving down principle balance to save in daily interest accrual. I'm gonna give a quick example and then we can move on and, and I encourage everybody to do the simulator email us, let's talk through it. We'll take you by the hand. It's the learning curve's a little intense, it was even for me. But here's an example of velocity of money and kind of how the all-in-one works. So take a 30 year fixed mortgage and a 15 year fixed mortgage. Both of them started at $400,000 each.   Speaker 3 (00:27:22) - You lock the 30 year at 4% and the 15 year was locked at 7%. Without exception, everybody runs to the 30 year at 4%. I would've done the same if I didn't know the math when in fact the reality is is that you will pay $40,000 more on that 4% 30 year than you would on the 7% 15 year because the amount of time that you're paying on that mortgage is greatly reduced. And that's, I guess a, an easy concept. It's a, the first step of trying to define this for most people, they can kind of see it in those terms because they understand the amortized mortgage. It's the amount of time that you are paying interest. So if you're utilizing your depository checking savings and your mortgage and all of that money is going in there month after month before it's going back out the door for whatever your living expenses are. And then whatever's left over is, is stays in there. 24 7 access. Nothing changes about your current banking techniques or or strategies. It's all the same. But now you're in control. You've become your own bank. It's amazing. I can't say enough about it   Speaker 0 (00:28:24) - Talking about the all in one loan there. You sure can learn more from Ridge on that. Jaylee, is there really like anything else that I guess is noteworthy specifically in helping a borrower qualify for income property loans, maybe a common problem or a borrower hurdle that you see in there at Ridge?   Speaker 3 (00:28:43) - I would just boil it down to education. Just lack of information. It's not dear Google stuff. The guidelines and what's available. All of these things are changing on a consistent basis that real-time information's not available to them. So if I had to pick one thing, I would just say education. And I'm very proud to say that we really focus on that. If there's a value add about Ridge, I think there's quite a few. But the one that I think sticks out for most people is the education that we provide to our investors and shining a light and giving them a look under the hood and what they need to know, teaching 'em how to optimize their qualifications and all of the stuff that we've been talking about here today.   Speaker 0 (00:29:19) - Well that's a good point because when we talk about real estate investing, you're really, they're in one of the more dynamic and fast-changing parts of the industry as opposed to something like home construction where a lot of the methods haven't changed for 50 or more years, if you will. So yeah, it's really staying up and staying informed on that and engaging with a lot of the educational resources increasingly that Ridge has for you to help you stay on top of that as an income property bar yourself. And Shaley can tell us a bit more about that shortly. But why don't you tell us about all of the loan types, the mortgage products if you will, that you offer in there.   Speaker 3 (00:29:52) - That's another great value add about us. We have a very diverse menu, if you will, of loan products that don't just start and stop with the conventional. We're not a one size fits all. So we've got the Fannie Freddy's, we talk about that a lot. Our all in one, my favorite. We have a very diverse non QM product line and for those that aren't familiar with that term, QM stands for Qualified Mortgage. Fannie Mae and Freddie Mac are the, uh, epitome the definition of what a qualified mortgage is. There's a whole definition we don't need to go into today, but, so everything outside of that QM is now non qm. And within non qm, like I said, extremely diverse. There's things called the debt service coverage ratio product where we're not showing borrower income, we're just looking at the properties income offset by the new mortgage payment. There's bank statement products. If you can't show tax returns, we're gonna take deposits and average them asset depletion. If you've got large self-directed ira, we can come up with an income calculation for that. The list goes on. We've got commercial products for commercial properties, but also for residential properties. Cross collateralization. It's pretty diverse. We have a lot for everybody.   Speaker 0 (00:30:54) - When you excel in there, you've been such industry leaders at originating income property loans for investors were proportion of your businesses income property loans and what proportion is primary residence loans?   Speaker 3 (00:31:06) - A lot of people don't realize we can do both and we do both very well. But I would say that it's probably 70 30 not owner-occupied. To owner-occupied. A large part of what we do is the investor loans. But most of our investor clients come to us for their primary needs too because we already have their life on file and, and can get that done very competitively   Speaker 0 (00:31:24) - Too. , right? And you keep growing. You're in almost all 50 states now.   Speaker 3 (00:31:27) - I know. Can you believe it? We're in 47 states. We're not in North Dakota, New York, or Vermont, otherwise we're everywhere.   Speaker 0 (00:31:34) - Letter audience know how they can learn about your resources.   Speaker 3 (00:31:37) - There's a couple ways to find us our website, ridge lending group.com. They can email us, info ridge linen group.com. Our toll free is 8 5 5 74 Ridge 8 5 5 7 4 7 4 3 4 3. And while you're on our website gang, uh, check us out on our community. I have a live event every Tuesday, one 30 Pacific, uh, four 30 Eastern. Uh, lots of good information register and it's free. Lots of good information and, and education like we've been talking about here. Hope to see you.   Speaker 0 (00:32:05) - Oh, it's been a terrific and crucial mortgage market update. Chaley Ridge, thanks so much for coming back into the   Speaker 3 (00:32:11) - Show. Thank you. Appreciate it.   Speaker 0 (00:32:18) - Oh yeah, lots of good concise information there from Chaley. It's a type of content that can have you hitting the rewind button on your pod catcher at times. All right, so we learned that in a lot of scenarios there. Second, mortgages come with rather high interest rates that is prohibitive. But then on the other side, it's encouraging to learn, learn that on primary residences, for example, you can get up to 90% loaned value. That means you only need to keep 10% equity in your home. And as far as that all in one loan simulator, we'll put a link directly to that in the show notes for you. But like Chaley said, you might wanna reach out to them@ridgegroup.com and then they can help walk you through it. Thank you to Caeli for the generous contribution to your learning today. Until next week, I'm your host, Keith Weinhold. Don't quit your daydream.   Speaker 5 (00:33:15) - Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests on their own information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education L l C exclusively.   Speaker 6 (00:33:43) - The preceding program was brought to you by your home for Wealth building. Get rich education.com.

Storytime of the worst and craziest and most insane karen neighbors on this planet. These stories are of terrible neighbors who are all Karens, and these entitled karens have hilarious and funny karen mental breakdowns which we can all laugh at. I bet you'll laugh at these funny karen stories. Similar to stories by rSlash, Am I The Jerk? Luna Scrubs and Mainly Facts --- Support this podcast: https://podcasters.spotify.com/pod/show/connor-pugs/support

Join the Strong Within Community at www.strongwithin.com/community  Are you longing for a community of like-minded individuals who are committed to transforming their lives and becoming the strongest version of themselves? Look no further than the Strong Within Community! Our community is a place where you can connect with others who are on a similar journey towards growth and self-improvement. Whether you're looking to reframe your mindset, overcome limiting beliefs, or simply connect with others in a positive, uplifting space, our community has something for everyone. As a member of our community, you can expect to receive exclusive access to our Strong Within Manifesting Course, as well as weekly inspiration and encouragement from our founder, who has years of experience helping others achieve their goals and live their best lives. But that's not all - our community is also a place where you can come to ask questions, offer support, and find motivation when you need it most. Whether you're struggling with a difficult situation or simply need a boost of positivity, our community has your back. Best of all, our community is completely free - so what are you waiting for? Join the Strong Within Community today and start your journey towards living your strongest, most fulfilling life. We can't wait to welcome you! In this episode there were MANY take aways but I am focusing on 3 topics and the lessons you can get from this podcast: Understanding Trauma and Healing - Trauma and protection can lead to being tight and unable to fully release and heal - Similar to muscles that get injured and remain in an isometric state to protect themselves - Like myofascial release techniques like foam rolling and massage can help activate the golgi tendon organ to relax the muscle and release knots...we can do the same with our emotions and mental states Reframing and Shifting Vibrational Frequency - Focusing on trauma can create a cycle of overprotection and hinder the healing process.- Reframing emotions can help in processing them more efficiently and moving on - Being the observer and not getting stuck in victimhood or trauma can prevent staying stuck in it for a long time - Changing the vibrational frequency can be important Dissociating from Problems and Focusing on Solutions- People often get stuck in the box and can't see outside of it when they focus too hard on the problem. - Focusing too much on the problem trains the subconscious to only focus on the problem and not the solution. - We should train the subconscious to become observers of the problem instead of getting sucked into it. - By doing so, we disassociate ourselves from the problem and can find solutions more easily. _____________________________________________________________________________________________________________________ Help Support The Strong Within Affirmation Podcast By Going To: www.strongwithin.com/support (You can also get the transcripts there) Thanks for listening.  I'm sending great energy your way as we become Strong Within together, Holistic Performance and Personal Development Coach- Chris O'Hearn My links: https://linktr.ee/strongwithin  Contact info- email: chris@strongwithin.com  phone:865-219-3247 Let's connect on social media: www.facebook.com/thechrisohearn  www.instagram.com/thechrisohearn  Music by:  - Zest by basematic (c) copyright 2011 Licensed under a Creative Commons Attribution (3.0) license. - I Have Often Told You Stories (guitar instrumental) by Ivan Chew (c) copyright 2013 Licensed under a Creative Commons Attribution (3.0) license. Location: Knoxville, Tennessee USA but available worldwide