Podcasts about Sort

Your teenager rolls their eyes, insults you, says “whatever,” or slams the door—and your entire body reacts.You immediately think:They cannot speak to me this way.So you take the phone, cancel the weekend, or announce a punishment. But now the original problem has disappeared, and you are trapped in an even bigger power struggle about the consequence.Teen disrespect should not be ignored, but it does not always require an immediate punishment.In this episode of The Single Parenting Reset Show, Tess Connolly, LCSW, explains what to do during the critical moments before deciding on a consequence.You'll learn how to distinguish between a dysregulated teenager, a teenager using disrespect to avoid a responsibility, and harmful behavior that requires repair or a consequence.Tess walks you through the three-part Before-Consequence Check:Pause your reaction.Sort the behavior.Choose the response.You'll also learn:Why pausing does not weaken your parental authorityHow to address disrespect without losing the original boundaryWhen to ask your teenager for a communication redoHow to require repair without demanding a forced apologyWhen a consequence is genuinely necessaryHow to make consequences connected, proportionate, and enforceableWhat to say when your teenager refuses to continue the conversationYou'll leave with practical scripts you can use during real conflicts—not simply ideas that sound good when everyone is calm.Download the Tween and Teen Conflict Reset Kit for scripts and a step-by-step plan to help you stay regulated, reduce power struggles, and respond more effectively during difficult conversations:Tween & Teen Conflict Reset Kit for seven practical scripts and a First-Ten-Minutes Plan.⭐Download the free Tech Reset Agreement to create clearer family expectations around phones, gaming, sleep, school responsibilities, and family connection:

It's the final day of August, Moon is somewhere in parts unknown, Lern is back, and The Rizzuto Show has officially entered BABY WATCH. The baby is now past the due date, predictions are flying around the studio, and Rizz is keeping his ringer on because that phone call could come at any moment. Naturally, while waiting for the miracle of life, the crew spends a significant amount of time celebrating another miracle: Rafe Williams finally has legal license plates.Yes, Rafe went to the DMV. Voluntarily. Sort of.What should have been a routine trip to get his truck squared away became a full-blown battle with Missouri bureaucracy. There's a packed Creve Coeur DMV, a confusing sign-in system, expired temp tags, paperwork, an emissions-test surprise and a ticking clock. At one point Rafe has until 4:30 to get an emissions test completed or face the horrifying possibility of coming back Monday and waiting all over again.That's when a listener at the auto shop recognizes him, gets the Tacoma squeezed in, and sends our hero racing back to the DMV with paperwork held high like he just returned from the Crusades. By the end, Rafe is trying to get the entire waiting room to cheer for the woman who helped him. This is the kind of inspirational story your favorite comedy podcast provides because apparently our standards for heroism have become “successfully registering a motor vehicle.”The DMV adventure also sends the crew into everything from old people trying to navigate touchscreen kiosks to modern cars putting every basic function behind another touchscreen. We have reached the future, and the future apparently requires three menus just to turn down the air conditioning.Then Lern returns from Colorado with stories involving the Grizzly Rose, mechanical bulls, mountain towns, wineries, peaches, e-bikes and some legitimately terrifying drives through the Rockies. Her relaxing family getaway somehow includes bull riding and flying around mountain roads, because nobody associated with this show is capable of having a normal vacation.Rizz has his own driving adventure after the intro to “Money for Nothing” hits at exactly the wrong—or right—time and suddenly he's doing 80 with a police officer behind him. Is getting completely lost in a song a valid speeding defense? Legally, probably don't take our advice. Spiritually? Absolutely.The weekend recaps keep rolling as Rizz gets his first full Friday Night Lights experience watching his daughter cheer at Lafayette, then attends a 40th birthday party extravagant enough to make everyone reconsider their current tax bracket. Meanwhile, Rafe survives Jamie Rivers' bachelor party, gets his first real taste of the Cafe Napoli scene and discovers that former professional hockey players apparently possess a completely different transmission when it comes to staying out late.And because this comedy podcast refuses to remain anywhere near the rails for long, the conversation keeps finding new and increasingly questionable destinations—including St. Louis weird news and the kind of stories that make you reconsider ever accepting a job that requires entering a stranger's home.Baby watch. DMV purgatory. Colorado adventures. Friday night football. St. Louis nightlife. Questionable driving decisions. And Rafe becoming a legally compliant Missouri resident against all odds.Just another Monday with The Rizzuto Show.Follow The Rizzuto Show → linktr.ee/rizzshow for more from your favorite daily comedy show.Connect with The Rizzuto Show Comedy Podcast online → 1057thepoint.com/RizzShow.Hear The Rizz Show daily on the radio at 105.7 The Point | Hubbard Radio in St. Louis, MO.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

It's the final day of August, Moon is somewhere in parts unknown, Lern is back, and The Rizzuto Show has officially entered King Scott's BABY WATCH. The baby is now past the due date, predictions are flying around the studio, and Rizz is keeping his ringer on because that phone call could come at any moment. Naturally, while waiting for the miracle of life, the crew spends a significant amount of time celebrating another miracle: Rafe Williams finally has legal license plates.Yes, Rafe went to the DMV. Voluntarily. Sort of.What should have been a routine trip to get his truck squared away became a full-blown battle with Missouri bureaucracy. There's a packed Creve Coeur DMV, a confusing sign-in system, expired temp tags, paperwork, an emissions-test surprise and a ticking clock. At one point Rafe has until 4:30 to get an emissions test completed or face the horrifying possibility of coming back Monday and waiting all over again.That's when a listener at the auto shop recognizes him, gets the Tacoma squeezed in, and sends our hero racing back to the DMV with paperwork held high like he just returned from the Crusades. By the end, Rafe is trying to get the entire waiting room to cheer for the woman who helped him. This is the kind of inspirational story your favorite comedy podcast provides because apparently our standards for heroism have become “successfully registering a motor vehicle.”The DMV adventure also sends the crew into everything from old people trying to navigate touchscreen kiosks to modern cars putting every basic function behind another touchscreen. We have reached the future, and the future apparently requires three menus just to turn down the air conditioning.Then Lern returns from Colorado with stories involving the Grizzly Rose, mechanical bulls, mountain towns, wineries, peaches, e-bikes and some legitimately terrifying drives through the Rockies. Her relaxing family getaway somehow includes bull riding and flying around mountain roads, because nobody associated with this show is capable of having a normal vacation.Rizz has his own driving adventure after the intro to “Money for Nothing” hits at exactly the wrong—or right—time and suddenly he's doing 80 with a police officer behind him. Is getting completely lost in a song a valid speeding defense? Legally, probably don't take our advice. Spiritually? Absolutely.The weekend recaps keep rolling as Rizz gets his first full Friday Night Lights experience watching his daughter cheer at Lafayette, then attends a 40th birthday party extravagant enough to make everyone reconsider their current tax bracket. Meanwhile, Rafe survives Jamie Rivers' bachelor party, gets his first real taste of the Cafe Napoli scene and discovers that former professional hockey players apparently possess a completely different transmission when it comes to staying out late.Rizz has a problem. For years, he thought sending someone a

Political drama is reaching a fever pitch!

Organisational expert Dilly Carter introduces her podcast, Sort Your Life Out Unpacked.In this episode, Dilly is joined by the ‘queen of podcasting', Elizabeth Day. Elizabeth brings three meaningful items for Dilly to unpack – literally and figuratively. Each one reveals a story from her life, from cherished childhood memories she still carries with her to the beautiful love story of her grandparents.Elizabeth opens up about rebuilding a home after divorce, her relationship with partner Justin and whether she colour-codes her bookshelves. Things take an emotional turn when Dilly reflects on what Elizabeth's words and books have meant to her personally. Elizabeth rates her organisation a confident 9.5/10 – but what will Dilly discover inside the boxes?Sort Your Life Out Unpacked is a podcast hosted by tidying expert Dilly Carter. In each episode, Dilly chats to a celebrity guest and unboxes three mystery objects from their home that reveal what is really important to them. At the end, Dilly asks her guest whether they are going to keep, donate or recycle any of the items and, along the way, we learn how to organise and sort our own lives out.If you enjoyed this episode then you can hear more by searching for Sort Your Life Out Unpacked on BBC Sounds.Presented by Dilly Carter Editing: Daniel King Line Producer: Philippa Pettett Production Co-ordinator: Berniee Ekomisa Assistant Producer: Emily D'Souza Executive Producer for Optomen: Charlotte Brookes Assistant Commissioner: Chris Bartlett Commissioning Editors: Rhian Roberts and Beejal-Maya Patel Produced by Holly Newson Hair & Make Up: Sarah Burrows Art Director: River Gibbs Production Runner: Molly MorganAn Optomen production for iPlayer and BBC Sounds.

This week Brad and Dustin discuss his favorite Switch games for the year 2017-2025, The Duskbloods Network Test, Call of Duty Moderwarfare's beta, and more! Timestamps: Please keep in mind that our timestamps are approximate, and will often be slightly off due to dynamic ad placement.0:00 - Intro20:50 - Ranking Switch Games with Dustin48:15 - The Duskbloods (Network Test)1:11:05 - Call of Duty: Modern Warfare 4 (Beta)1:24:45 - Sort it Out1:32:51 - Keep it Up1:42:59 - Game Recommendation1:45:20 - Mortal Shell 22:02:45 - Closing Questions Learn more about your ad choices. Visit podcastchoices.com/adchoices

Nick and JP discuss if Browns fans should try and understand Deshaun's point of view.

 Dr. Naphtali Hoff trains school leaders and teachers to perform at their best without running themselves into the ground. A former educator and school leader himself, Dr. Hoff now coaches and trains school leaders on management, productivity, and delegation across the country. He's the author of three books, and his newest, Becoming the Delegating School Boss, is the one most relevant here — it helps school leaders clear their plates and empower their teams. Dr. Naphtali Hoff joins the Ruckuscast to break down why so many principals resist letting go, and what it actually takes to build a team you can trust. Every principal has felt it: the sense that if they left the building for a day, something would fall apart. That's not a compliment — it's a delegation problem, and it's quietly running good leaders into the ground. This episode breaks down why school leaders won't let go, and the exact framework for handing off real work without losing control of it.

And...Xander has left for college. Stefanie takes us through the process from not sleeping the night before to leaving him behind after all the parents got kicked out. It's a milestone people! For a limited time, Nutrafol is offering our listeners $10 off your first month's subscription and free shipping when you visit Nutrafol.com and enter promo code FCOL

Daily Boost Podcast What You Don't Know About Goal Setting August 25, 2026 | Episode 5527 Host: Scott Smith Episode Description Yesterday I told you I wasn't going to teach goal setting. Today I'm going to teach you how to set goals. Sort of. Most of what you were handed about goals has quietly fallen apart. The 21-day habit. The Harvard study everybody quotes. Smart goals. Gone. Disproven. And yet you're still sitting there in August wondering why the thing you decided in January never happened. Two words fix most of it, and one measurement that explains why you quit. Ten minutes, and you'll never look at your goal list the same way. Featured Story I mentioned to my wife the other day that I'm in the mood to get a Tesla. Just shopping around. Looking. She got quiet. Then a little scared. Because after all these years, she knows exactly what that sentence means in my house. She knows my brain already flagged it. She knows the velocity has started. And she knows that if I keep drifting in that direction, week after week, there will eventually be a Tesla in the driveway and nobody will remember deciding on it. That's not a car story. That's the whole mechanism of how you get anything, running right out in the open. Important Points Start your morning retrospectively. Not what you did yesterday, but what really happened and how it honestly felt. Then go prospectively. Ask what you'll create today to close the gap you just found, and only three goals max. Velocity keeps motivation alive, so chop any goal more than six months out into segments you can actually feel finishing. Memorable Quotes Velocity is the key. It's more important how fast you're getting to your goal than if you're getting to your goal. The daily awareness diary will hold you to your honesty forever. It exposes what you said you want and what you're doing. Remember the Harvard study where people who set goals are 93% more effective—never done, ever. It's a wives' tale. Scott's Three-Step Approach Tomorrow morning, ask retrospectively how yesterday actually went, and be honest about whether it matched your want. Then ask prospectively what you'll create today, and write down the single adjustment that closes that gap for you. Now break your big goal into velocity segments close enough together that you feel you're finishing one each week. Chapters 0:02 - A twist on the goal setting I said I'd skip 0:38 - The obsession behind everything I teach you 1:47 - Goal setting myths that got quietly disproven 3:22 - The retrospective question I ask every morning 4:48 - Prospection, the one thing only humans can do 6:09 - Why velocity beats the goal itself every time 8:36 - The Tesla my wife is hoping I forget about Connect With Me Search for the Daily Boost on YouTube, Apple Podcasts, and Spotify Email: support@motivationtomove.com Main Website: https://motivationtomove.com YouTube: https://youtube.com/dailyboostpodcast Instagram: https://instagram.com/heyscottsmith Facebook Page: https://facebook.com/motivationtomove Facebook Group: https://dailyboostpodcast.com/facebook Learn more about your ad choices. Visit megaphone.fm/adchoices

An elderly man has a senior moment, trying to grab the controls in front of the pilot...-------Yeeessss... The first of the 2026 live MFB 'Status: Arrested' Tour tickets are now on sale.Keep an eye out for more dates to be announced real soon.BRISBANE - SEPT 12 - 12PM EXTRA SHOW - GOOD CHAT COMEDY CLUBCody's show CRU$HER is hitting all major centres and more in 2026. He's back. It's red hot. Fuckin' do it. Stop going to shit comedians who charge double and deliver half.-----------------------------------YOUR STUPID has arrived. It's a book. It's a similar vibe to last year's one, but better. If you want a copy, head over to lukeheggie.com and stump up, and it will arrive via Australia Post. Any First Class Patrons, yours have been posted, (including the seppos - at great personal expense) but excluding the three bastards who have not provided an address, and seem to refuse to reply to emails. Sort it out. I'll bring some to live shows too. That is all.Heggie's 2026 show I WON'T SAY IT AGAIN is on sale now too. It's a hand-selected crack team of bits from the last five years. Get on it here.-----------------------------------Heggie dropped a FOURTH YouTube special, GROT, but still left the comments closed like a coward. Watch it here.Cody's new stand-up special "LIVE AT THE CORNER HOTEL" is OUT NOW on YouTubeHave a squizz and leave comments before he takes Heggie's cowardly route and turns off the comments. Hosted on Acast. See acast.com/privacy for more information.

Allison Dunn continues her series on the thinking traps that make smart leaders fail, focusing on validation seeking and why it can look like coachability while quietly eroding judgment. She shares a personal story about nearly buying an unnecessary financial platform and connects it to a larger pattern of outsourcing strategic thinking when you already have the context you need. Validation seeking is a disguised trap - It can look like humility, diligence, openness, and being well read, but still lead leaders to override their own informed judgment. A personal near-miss with borrowed authority - Allison describes nearly buying a financial analysis platform after a presenter implied she lacked the expertise to serve clients without it, despite having a finance degree and years of experience with business owners. The expensive version of the trap - She connects the same pattern to spending a quarter of a million dollars on a franchise formula partly to avoid trusting her own strategic thinking. How the trap shows up in real life - Searching for a template or business-in-a-box, consuming lots of content without turning it into strategy, and delaying decisions until an expert or peer group gives approval. When outside input helps and when it harms - Advice is valuable when it reveals a blind spot, but harmful when it replaces context-rich judgment with generic best practices. Best practices are averages - Allison argues that what works for other companies may be strategically wrong for your specific business, customers, and market. The tripwire question - Before seeking more advice, ask: “What do I already know to be true?” Sort advice into two piles - One pile reveals something you could not see; the other contradicts direct lived experience and should be treated skeptically. Sometimes you are not buying information - If you already know what the expert will say and consult them anyway, you may really be buying permission. The cost of delayed decisions - Waiting for validation can keep leaders from acting on what they already believe and know. Timestamps 00:00 - What validation seeking is and why it hides in plain sight 00:29 - The near-miss investment that exposed the trap 00:58 - Why borrowed authority can override real expertise 01:27 - The expensive franchise example of outsourcing judgment 01:56 - How validation seeking shows up as template hunting and information overload 02:24 - Why outside input should inform judgment, not replace it 02:54 - Blind spot advice versus context blind advice 03:22 - The tripwire question: what do I already know to be true? 03:49 - Sorting advice into two piles 04:17 - When consulting an expert is really about buying permission 04:43 - The decision you are delaying because you want validation 05:12 - Next episode teaser: autopilot and the three seconds that separate reacting from leading Think First

This week Colin, Micah, and Brad discuss Lord of the Rings: War in the North, Dark Souls Remastered, Beast of Reincarnation and more! Timestamps: Please keep in mind that our timestamps are approximate, and will often be slightly off due to dynamic ad placement. 0:07 - Intro37:56 - Beast of Reincarnation1:01:03 - Lord of the Rings: War in the North1:12:15 - Sort it Out1:29:07 - Keep it Up1:55:44 - Game Recommendation1:59:23 - Dark Souls Remastered2:13:44 - Onimusha 1 + 22:31:32 - Defender of the Crown: The Legend Returns2:46:09 - Closing Questions To watch the podcast on YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/LastStandMediaYouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Don't forget to subscribe to the podcast for free wherever you're listening or by using this link: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/SummonSign⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ If you like the show, telling a friend about it would be amazing! You can text, email, Tweet, or send this link to a friend: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/SummonSign⁠⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

Andy and Randy talk about the off and on variety of outings from pitchers behind Sale and Mahle and the tough divisions that Walt Weiss will likely face building a playoff rotation.

Did a shipwreck double the size of the United States? Sort of. Listen in to find out what the heck that means.See omnystudio.com/listener for privacy information.

This episode is sponsored by AirDoctor. AirDoctor - Head to https://AirDoctorPro.com and use promo code FLIPPING50 and get up to $300 off ANY of their select AirDoctor models, plus you will get a 3-year warranty, absolutely FREE! All AirDoctor air purifiers come with a 30-day money-back guarantee. Other Episodes You Might Like: Previous Episode - You're Already Lifting — So Why Isn't It Working? Next Episode - The Perimenopause Rules Nobody Told You About Resistance Training More Like This: Who's Really Fighting for You? How to Sort the Noise in Women's Fitness What I Would Do to Boost Fat Burning Over 40, 50 or 60 (I'm 62) Resources: Not sure you're doing what is best for you right now? Get a 90-Minute Ultimate Consultation with Debra. Together, you formulate the actual plan that will work for you!  Use Flipping 50 Strong Aging Index to measure what matters with an easy at-home self-assessment test you can do in minutes. If you still want to target both building muscle and losing fat in menopause stay with me! Know how to work with protein, calorie restriction, sleep, exercise, and hormone therapy. You'll hear why eating more protein could help you get more from your training, why perpetual dieting may not be the answer, and why sleep deserves a much bigger seat at the table.  Be ready to stop fighting your body and start working with it, this conversation offers a fresh perspective on building muscle and losing fat in menopause. If this episode made you flip your workout routine — share it!

Le Journal en français facile du mardi 18 août 2026, 18 h 00 à Paris.Retrouvez votre épisode avec la transcription synchronisée et des exercices pédagogiques pour progresser en français : https://rfi.my/CyPs.A

Keith breaks down why global crises, geopolitical shocks, and nonstop "doom" headlines haven't stopped stocks and real estate from reaching near all-time highs, and what that means for investors focused on inflation-resistant assets.  He also discusses Memphis as a surprising cash-flow market poised to benefit from the AI boom, sharing details on an upcoming webinar with Mid South Homebuyers.  Keith is joined by real estate investor and educator Jared Garfield to unpack the "Seven-Figure Solution," a strategy that combines cash-flowing rentals with tax-advantaged life insurance to create liquidity, reduce risk, and support long-term retirement income.  Together, they explore how disciplined portfolio growth, smart leverage, and coordinated tax planning can help real estate investors better align their assets with their long-term financial goals. Episode Page: GetRichEducation.com/619 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Join Mid South Home Buyers' one-time, free live webinar featuring Keith Weinhold on September 30 at GetRichEducation.com/MidSouth to learn how Memphis' economic expansion could create new real estate investment opportunities, and have your questions answered in real time. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold  0:02   Welcome to GRE. I'm your host Keith Weinhold. The world is about to end again. It's the economic disaster that never arrives. I'll break it down. Then you've been earning money and investing well all these years. How does it all go together? It can culminate in the seven-figure solution, it's about seeing your future today on Get Rich Education. What if I told you that one of America's strongest cash flow real estate markets is also becoming the new brains and brawn behind AI? That city is Memphis, believe it or not. And September 30th, we're going to show you why the smart money is paying attention now, along with an investing opportunity you won't want to miss. Join me, Terry Kerr and Matthew Van Horn of Mid South Homebuyers, the largest turnkey company in Memphis with more than 6,000 homes under management, for a free live webinar, the likes of which I've never done before, we're going to look at what billions in new investment could mean for jobs, housing demand, neighborhood appreciation, and your portfolio. Everyone who attends live will also get exclusive access to the best deal terms Mid South has ever offered. Reserve your free seat at getricheducation.com/midsouth again that september 30. Don't say we didn't tell you. Save your spot at getricheducation.com/midsouth.   Speaker 1  1:39   You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Keith Weinhold  1:55   Welcome to GRE from Kankakee, Illinois, to Cherokee, Iowa, and across 188 nations worldwide. I'm Keith Weinhold. This is Get Recid Education, and the world is about to end. Even if you survive, your portfolio surely won't. Oh, jeez. At least that's the impression you get from mass media and what I'll call the Doom Scroll Industrial Complex. Fear creates urgency. Urgency attracts eyeballs. Eyeballs attract ad dollars. And I guess that using a slogan like "everything will probably be fine" well, that's never been a great ratings strategy. Now, can what has happened since 2020. Just this cheery little sequence: COVID, then Ukraine, Israel, Gaza, tariffs, and then the war in Iran. All that just since 2020. I mean, that right there sounds less like an economic timeline and more like a movie plot, or that the world is repeatedly spinning the wheel of misfortune. Yet after all of that, what is the result? Both stocks and residential real estate are near all-time highs. Apparently, the apocalypse has been postponed yet again-at least economically speaking. Now let's zoom out and break down these threats and a few more, all just since 2020, because 2020 is the year where, of course, you had the COVID-19 pandemic, economic shutdowns, the fastest major stock bear market in history, supply chain breakdown. You saw empty shelves, and there was unprecedented government intervention from the Paycheck Protection Program to stimulus checks to mortgage loan forbearance. Then, in 2021 and 2022, you had post-COVID inflation and supply shortages. Now, this was more of a result, not strictly geopolitical, but a major investment threat, and that led to aggressive interest rate hikes. From 2022 to the present, you have Russia's invasion of Ukraine, energy and food shocks came from that, sanctions, instability over in Europe, and really a heightened nuclear risk in 2023. You had the U.S. regional banking crisis. Remember SVB, yes, Silicon Valley Bank, Signature Bank, First Republic. They raised fears of a financial contagion that would spread like fat. Than a secret in a small town, it actually made me buy some gold. From 2023 to the present, you had the Israel-Hamas war and this broad Middle East instability, Hezbollah attacks, Houthi attacks, Red Sea shipping disruptions. It's almost like a geopolitical group project. And then from 2025 to the present, you have renewed U.S. tariffs and a global trade war, and this year you have the U.S.-Israeli war with Iran and the Strait of Hormuz disruption. That is the biggest current geopolitical investment threat because it combines all of these things: war, oil disruption, inflation, higher interest rates, and a recession risk. So it's a lot like this particularly unpleasant smoothie that's been blended together.   Keith Weinhold  5:55   All right. Well, all of that-that is just an absurd amount of uncertainty and disruption only since 2020, and though major markets are at all-time highs in the face of this, let's acknowledge that some were hurt here, like apartment building owners vulnerable to interest rate resets, and certain commercial sectors like office. Even worse, let's be sensitive to the fact that COVID in wars have resulted in a real loss of life. GRE's enduring strategy of primarily owning long-term residential rentals with fixed-rate debt has been comparatively really resilient. In fact, these calamities-they probably made you better off from the inflation that it has spurred. More people work from home. Well, that means that they're consuming our product while higher inflation debased our debt and jacked up our property values and our rents. And you know somehow every. single generation thinks that their collection of crises is uniquely terrifying, and it is not. And what do I mean by this? Well, in the 1980s, people feared war with the Soviet Union, the Cold War. A global population explosion so bad that millions or billions of people would surely die from hunger. You had the AIDS crisis. You had a hole in the ozone layer. Well, all those things. Virtually zero investors make decisions based on that stuff: an imminent Soviet attack or mass starvation from overpopulation. There is one thing that is 100% certain here, and that is that more shocks are coming. In case you don't want to sleep well, you can get worked up over the certainty of future calamities, artificial intelligence is making cyber attacks faster and more scalable. AI has even created entirely novel viruses. A confrontation between China and Taiwan that could create risk in the semiconductor space.   Keith Weinhold  8:18   A blockade that might disrupt the world's advanced chip supply, creating more inflation and more uncertainty. Here is what's changed, though, for what investors care about. You know what has changed with today's set of calamities versus those of the 1980s and earlier, because there is something, and it's a big deal for investors. Here's what's changed: recent history shows that the government does more to intervene during disasters, stimulus checks, liquidity programs where they're printing trillions, bailouts, pushing interest rates down to almost zero, quantitative easing. How about a foreclosure moratorium? Anything you know during COVID, it was a lot of these things, and it was the CARES Act, and it was a student loan payment pause. I mean, the Federal Reserve even set up emergency credit facilities. We now know that when the economic building catches fire, policymakers they rarely stand around admiring the flames. They just flood the place with currency. So the best investors they keep prudently building real estate portfolios in the face of risk, not the absence of risk, because the latter does not exist. This incessant government intervention, whether you agree with it or not, it gives you more safety cushions the next time that things fall apart. That's why what appears risk. Is still risky, but less so. So there is more incentive to take on prudent risk than I've ever seen. You know, no politician wants America to fall apart under their watch. So increasingly, they'll just paper over the problem by printing, printing, printing, and then, therefore, the resultant inflation, the consequence of this, that can be dealt with under the next president's watch, not theirs. In fact, future calamities they almost make you want to own scarce real assets that benefit from inflation, not a hedge, a benefit. Trying to time every war, election, banking crisis, tariff announcement, virus, and Fed decision. Trying to time all of those things-that is usually ineffective. You either own more assets, or you get left behind in everything that's happened since 2020. That just underscores this. In fact, Berkshire Hathaway, the closely watched company that Warren Buffett ran for a long time, but he still has influence in.   Keith Weinhold  11:16   You know, they recently began moving out of cash and into assets, they ended their long net selling stretch. In fact, in the latest quarter ended, they've now done the most buying that they've done since early 2022. They have jumped back in the game. It appears that Berkshire Hathaway got tired of sitting on the sidelines and seeing others make gains, and they're pretty bullish on housing too. They bought a home builder. The bottom line here is that shocks are going to keep arriving, and yet productive assets and well-financed residential real estate has repeatedly survived them and just continued appreciating. Don't wait for a risk-free world because you'll wait forever. When you evaluate all these calamities, just since 2020, again, COVID, Ukraine, Israel, Gaza, tariffs, and war in Iran, and then you realize that both real estate and stocks are near all-time highs anyway, and the government keeps backstopping asset owners like never before. This is just a fresh angle on how much better off you are when you prudently own more inflation-benefiting assets sooner. I want to tell you about something called the seven-figure solution. You've been here listening to me weekly since 2014. You've been earning money. You've been investing well, and now you're going to see how it all goes together. It's about making sure that your real estate and your other assets appropriately fund your retirement in a way that gives you protection against market downturns, a tax advantage pool of liquidity, the death benefit of a life insurance policy, and actually introduces you to a new form of leverage all at the same time. Now the liquidity here is key because this is where a 401(k) or IRA limit you, they have taxes and penalties if you want to use those funds early. This doesn't, but the seven-figure solution-it's not just for retirees. In fact, our own in-house investment coach Narayish uses something like this, and he is in his 30s. Let's discuss it, and then you'll see where I have an invitation for you, where you can get involved. I'd like to welcome in a guest we last had on the show a few years ago.   Keith Weinhold  13:54   He's a frequent guest on popular shows, including our friends over at the Real Estate Guys Radio Show, and this guest has also been a terrestrial radio show host himself. He's a long-time real estate educator and an active investor, just like you and I. So he speaks from experience and not a textbook. He's the creator of what we'll discuss today, called the Seven Figure Solution. Welcome back to the show, Jared Garfield.   Jared Garfield  14:21   Hey, it's great to be with you again. Thanks for having me.   Keith Weinhold  14:25   It's so good. Now you're with the Haven Bridge Group, and you help people, especially real estate investors, with what's called the seven-figure solution. Tell us about it.   Jared Garfield  14:37   it. Well, Haven Bridge, we get the name for that because people are really looking for a haven of safety, and the bridge is kind of what crosses the gaps that could kind of destroy your wealth, and it's the path to get there. So we want to take people on a path to safety, and the seven-figure solution is the idea that if you're going to be drawing out even 4% per year to not outlive your money, because people are living now. To 8590, 95 years old, and so that means you could have 35 years in retirement. And with inflation and different things like that, you really have to have a lot bigger nest egg than what most people realize. So a seven-figure solution is how to get to more than a million dollars liquid that you can draw on in a tax advantaged manner for the rest of your life, while also having living benefits. And we pull real estate in with it because we want people to have 10 or 15 or 20 rental properties by the time they retired. That they 1031 exchange regularly, so that they're always keeping tax advantages. So that even in retirement you have strong tax advantages, and ultimately we think that when you're 65 or 70, you might want to go from 30 single-family houses to 1031 exchange into one institutional asset that's a little bit less management intensive.   Keith Weinhold  15:57   Okay, so this is a tax advantage vehicle that real estate investors can use during their investing career, and those tax advantages then really convert into something that you can use in retirement as well.   Jared Garfield  16:11   Yes, what it does is it's a vehicle that instead of saving the money from your cash flow from your rental properties in the bank, we say, well, why wouldn't you rather invest in something where it grows tax-free, number one, and then number two, you don't have the penalties like you would with a 401k, where you get taxed and you get penalized 10% if you pull it out. It's liquid, usually about 80 to 90% liquid, so you can pull from it whenever you like, and you can use it for down payments to grow your real estate portfolio. But you can earn sometimes between five and even seven or 8% in a tax advantaged manner where you're not taxed on it, but you're earning a much higher return than if you put the cash flow into a bank.   Keith Weinhold  16:51   All right, so you're building this tax advantage pool of capital that grows over time, and this is important to have some liquidity. You know, Jared, I've often talked to our audience, about three to 5% of your portfolio value ought to be kept liquid. Maybe with a vehicle like this, you would want to put in more of that because real estate investors we have expenses, so you have this liquidity to cover things like vacancies and major repairs, or perhaps you could even use this account for future down payments on additional investment properties. Is that how it's utilized?   Jared Garfield  17:27   Yeah, absolutely. And I get it partially this way because in my early 20s, I got up to where I had about six rentals, and at the time, I also owned a real estate brokerage, and I was doing very well. I was making a six-figure income and things. And what happened is, I back when a   Keith Weinhold  17:41   six-figure income was a big deal.   Jared Garfield  17:43   Yeah, back in the early 2000s, it was a little bit better money. But the funny thing was, I had four rental properties that all went vacant at the same exact time, and so now all of a sudden, I was paying like 4500 bucks a month in mortgages, not counting the house I lived in, but I had to cover four mortgages on four of my rental properties all at the same time, and I hadn't saved the cash flow, so I didn't have a huge emergency fund. All my liquid capital went into down payments and into renovation money to rehab the properties. Okay, and so it put me in a real bind, and I was out driving a Volvo S80 around throwing two paper routes in the mornings, and then going to my real estate brokerage after my paper routes to cover those rental properties. And so this was basically meant as a way to say, okay, this is a way that I have the liquidity. I'm getting a higher return, but now my tenants are not only buying me the houses, but they're also giving me a couple million dollars in life insurance, and they're wrapping my investment component or the cash value of that, the cash value part of the policy. They're wrapping that in a way that it grows tax-free, so it just accomplishes a lot of things. But the other thing that's a beautiful thing about it is there's a lot of things that we call living benefits.   Keith Weinhold  19:02   All right, so you have the living benefits and the tax advantages, and I know how you have pointed out that this can save an investor 10s of 1000s of dollars in taxes per year and hundreds of 1000s or more over time. Can you tell us more about that?   Jared Garfield  19:20   Yeah, because what happens is the money that goes in is growing tax-free, so you don't get taxed on any of the growth. But what we really like about it is, let's say that you're cash-flowing $2,000 a month off your rental properties, and you're putting 2000 a month into this policy. Usually, after the first year, if you're max funding, 80 to 90% of that's liquid. So if you've got 24,000 sitting in there, you've got access to 89 to 90% of the money. So it's pretty liquid. But what happens is over a 20 or 30 year period, that money could turn into three or 400,000 a year that you can pull out in the form of policy loans. And by doing that, it's not taxed. And you can pull that out throughout your retirement tax-free. So if you were paying 25% in taxes and you're pulling out 200 grand a year, that's $50,000 a year in retirement that you're saving in taxes. But that could be over a 20 or 30-year period. So over 20 years, that 50,000 could end up being a lot of money. I mean, 500,000 over 10 years, a million over 20, and so that means you don't have to accumulate as much. But a lot of our investors love it because they'll save it up with discipline, and then that way it's there if the furnace blows. So it makes your real estate safer, but it also becomes your down payment funds to expand your portfolio.   Keith Weinhold  20:40   Okay, the seven-figure solution is the vehicle that we're talking about here, and what part of the IRS code, just briefly, is it that gives this tax advantage?   Jared Garfield  20:51   It's Internal Revenue Code Section 79 that allows it to grow tax-free. In the 1980 s, doctors and a lot of very wealthy people were using this to the point that IRS changed the laws. They went and sued the insurance companies because doctors would go in and dump $2 million in, and they would buy a $2 million life insurance policy. So they were self-insured, which meant that they didn't have any cost of mortality on it. So they basically got all the benefits of the tax-free growth and the tax-free pullout. And the IRS said, "Wait a minute! We think you're doing tax evasion. So what they did is they came around and they said, "We're not going to let you use this loophole anymore for the very wealthiest people to have this. So they came to a compromise, and the compromise was that if you wanted to put in 2 million, you had to maintain a corridor where there had to be a little bit higher amount of life insurance. So you might have to buy a $2.3 million policy, but then you could still dump, say, $2 million in and have all the tax advantages. It's a strategy that's been used for over 100 years by families like the Rockefellers and the Hunts and J.P. Morgan. The very wealthiest families have always used these strategies to grow and protect their wealth.   Keith Weinhold  21:59   Okay, so it's a part of the tax code that allows cash value to accumulate within and be withdrawn from a life insurance policy tax-free.   Jared Garfield  22:11   Correct, and it gives you living benefits, which I alluded to a minute ago. And the living benefits are if if you end up having to go through things like long-term care, disability, if you can't perform, you know certain functions for a certain period of time, chronic illness, critical illness, terminal illness. If any of those things happen to you, you can borrow against the policy and have access to money during those things that would normally decimate your wealth, because you can actually access the death benefit in advance.   Keith Weinhold  22:42   Now I know a little about the six risks. Tell us about that.   Jared Garfield  22:47   Well, Keith, there are six risks that all investors face regularly. The first one is inflation erosion, and that means that your purchasing power often ends up leaking out of your balance. And the balance might look fine, but inflation can eat away at it. So even if you've raised a lot of money, if inflation means that you can buy half as much five or 10 years from now, then you know your wealth isn't as big as you thought. The second is the volatility setback, and that's sequence of return risk. That means that if you retire on a bad year where things really bad, stock market drops, you could end up using your money at a time where it really weakens your wealth because it may have dropped by 50% So if you had a million, now you have a half a million, and you're spending 100,000 a year. At the end of year one, you might only have 400,000 left. So sequence of of return risks from volatility setback, tax drain. That's just the compounding cost of an uncoordinated tax picture can really be a problem, and then the next one is liquidity. If you don't have liquidity and you've locked up all your money and you can't access it until you're 59 and a half without significant taxation and 10% penalties, the liquidity lock is a problem. There's the longevity paradox. What happens if you outlive your money, you know. So living longer is a benefit, but it exposes you to where you might not have enough money to live on in your latter years. The last two are care avalanche, and that is if an unexpected health event happens at the wrong time, it could really destroy your wealth because medical costs have spiraled out of control, and then the last one is the line to land, and that's only one of the six that's really about growth.   Keith Weinhold  24:28   Right, only one of the six of those was about growth. I can't stand the longevity paradox. Yeah, we think we all want to live a long time, but then it's more difficult to fund living a long time, and if you outlive everybody, nobody shows up at your funeral either. The longevity paradox-one of the six risks that the seven-figure solution can really help you with. Now, tell us more about funding it, so you can get a good cash value balance in. There, I know that one way you do it is actually with short-term rentals instead of a paycheck.   Jared Garfield  25:06   We love short-term rentals, especially for our highest net worth clients, because the reason is is the bonus depreciation of the big beautiful bill. Oh, right! You could take up to like 150 or even $200,000 in year one, they take that depreciation that they used to spread out over a whole lot of years, and they make it to where if you get with your CPA and you analyze your short-term rental, you could potentially take all of the furnishings, all of the artwork, all of the dishes and things that are in the property. Sometimes they'll let you take components like the appliances, the air conditioning unit, the furnace, and they'll let you take it all in year one instead of having to line item it and spread it out over you know 27 and a half years. So what this means is, if you have a short term rental, then you you might get like 150 to 200,000 tax break in the first year on the right property, but it's better than that because instead of having to have like 750 hours to hit full-time real estate professional status, it cuts the hours that you have to have significantly down. I think it's more like 150 hours or something like that, or 300. It's like half the hours, and so you can hit the benefits of taking unlimited passive loss much easier if you have a couple of short-term rentals.   Keith Weinhold  26:24   You're listening to Get Rich Education. We're talking with Jared Garfield about the seven-figure solution, something that takes some time to understand, but it can give you a tax-advantaged pool of capital that grows over time, and it also creates this overall tailwind, not just during your investor life, but then it provides tax advantaged retirement income at the same time. More on this when we come back. You're listening to Get Rich Education. I'm your host Keith Weinhold. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group and MLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Caeli Ridge while it's on your mind. Start at ridgelendinggroup.com, that's ridgelendinggroup.com.   Keith Weinhold  27:25   Let me ask you something: If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. And full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed. But with a track record of consistent, on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family to 66866. That's family 266866. This is the   Speaker 2  28:28   Real Wealth Network's Kathy Betke, and you are listening to the Always Valuable Get Rich Education with Keith Weinhold.   Keith Weinhold  28:46   Welcome back to Get Rich Education. I'm your host Keith Weinhold. We're talking about the seven-figure solution with Jared Garfield. Something that can be a particular benefit to real estate investors both during your investing career and then once you're in retirement as well, and this can take the form of either an indexed universal life policy or a whole life policy. There are a lot of wrong ways to do this and wrong things to get into. We're talking about the right way. Part of that is funding it as best you can. Can you tell us more about that?   Jared Garfield  29:20   Well, there's a lot of different ways to fund it. A lot of our clients will come in. We have some people who will use rollovers if they're nearing the end of retirement. Some people will roll over a 401k into a cash value life insurance policy because they can do it over a five or seven year period, and they pay the taxes when they roll it over, so their taxes go up a little bit for five or seven years of retirement, but then what happens is that means that during their retirement they're not taxed on the income all the way through retirement, so that can save really significantly. But a lot of our clients will do a flip and dump 40 or 50,000 a year in by just saying I'm going to do one flip a year and use that to. Fund the whole thing, or they'll take the cash flow and dump the cash flow into here instead of the bank, just so that they get the living benefits and they get the much higher return with still 80 to 90% liquidity. So could be cash flow from rentals, could be money from a flip, or sometimes some of these short-term rentals can make 20 to $30,000 a year, and if you get $100,000 tax break, you have more money that's not going to Uncle Sam, and then because that's your discretionary income now, because of the tax break, you could use that money to for down payments to grow your portfolio or to do a flip.   Keith Weinhold  30:35   Now, Jared, I sort of think of the cash value that you're accumulating in this policy as safe money that grows at a slow to moderate steady rate, but if it rarely or ever loses value, can you tell us more about that and the rate of return expected in the policy?   Jared Garfield  30:52   Yeah, absolutely. With the IULs, it's going to depend a little bit upon the carriers and stuff like that, and whether you go with a mutual company and stuff like that. It can vary, but a lot of times people are going with things that are what we call indexed. So you can actually index it to the S and p5 100 if you think that we're going to have a bull market and the market's going to really go up strongly. You can index it to the market, and sometimes they'll have a participation rate where they'll say, "Okay, you can participate up to 12% So if the stock market does 17% the most you can make is 12% So you're giving up a little bit of upside, but that's still not nothing. I mean, that's not three or 4% You can still make you know 10 or 12% that year, but you're giving up the part above the participation rate. And the reason that you do that is if the market tanks and drops by 30 or 40% The worst you can do is 0% return. Zero is my hero because you didn't lose anything. So if you had a half a million sitting there, you don't go down to 250 and then wait eight years to get back to break even. Instead, you're still at half a million. And if the market goes up next year by 20% and you had a 10% cap. Then your half a million, you know, is now at 550,000. When everybody else, if it went up by 10% they're at half the amount that they had.   Keith Weinhold  32:13   You have a story or example of how you've helped somebody with this, because I know a lot of investors that are passionate about utilizing the cash value inside an insurance policy tell us.   Jared Garfield  32:28   Well, I've got one friend who's a developer, and he did like a $5 million policy. And every time he flip a subdivision or flip a house, and let's back   Keith Weinhold  32:36   up. Does a $5 million policy mean that's the death benefit?   Jared Garfield  32:40   Yeah, that's the death benefit. Thanks for catching that. That's the death benefit, but that also has a correlation to how much money you can dump into it. So if you have a $5 million policy, you can dump a lot more money in for the tax free growth. And the quicker you hit that death benefit amount, at that point you're self-insured, and so at that point you really don't have cost of insurance on administering the policy hardly at all, and so at that point, when you're what we call self-insured, the return on the investment becomes a lot better. But this particular developer was able to use this policy because he had so much cash value in, and if he sold a house, he'd take 40,000. If he sold 10 a year, he might take you know 400,000 and dump it into this policy, and so it made him bankable. And he was able to use the money to go out and do new subdivision developments because the bank would actually use the policy as the collateral to be able to give him loans at much lower interest rates.   Keith Weinhold  33:38   That's valuable. Tell us about that. I don't want to use the wrong words here, but then effectively with this example, are you borrowing against the funds in the policy? So therefore, you can get those dollars working for you somewhere else, all while simultaneously the cash value continues to compound and grow. Sort of another form of leverage.   Jared Garfield  34:01   Correct. What they basically do is they basically freeze part of the amount and say, okay, we're using this as the collateral and stuff like that to be able to do the loan. But if it grows and and makes 7% you're still making the money off of the money that's sitting in there. It's just collateralized as part of the loan. And some people will even use it to like go buy a car, like instead of buying a car and going getting a bank loan and paying 7% to the bank, they might borrow money out, go pay cash for the car from the life insurance policy loan, and pay 2% instead of 7% But they're paying it to themselves, and as long as they're paying the interest to themselves, if the money that they borrow out could potentially still earn the same money and earn 7% even though you had borrowed out. So it's doing two things for you at the same time, as long as you're paying that loan interest. But and that depends on the option that you take when you do your loan.   Keith Weinhold  34:54   We love leverage around here. Leverage trumps compound interest. In so many ways. Oh, I'm really glad that you told us some more about that using the funds in more than one way at the same time. Tell us more about what it costs for the investor, the costs of setting this up, and then what some of those trade-offs are, Jared.   Jared Garfield  35:18   Well, that really depends on the individual. I mean, everybody has to sit down and be able to decide what is acceptable for them. You know, a lot of times people will want to max fund the 401k that they're doing at least just to the amount that's matched. But then after that, this could be a great place instead of putting a whole bunch more money into a 401k. Some people will elect to say, "I'm going to put the matching portion into my 401k, but then I'm going to take my cash flow from my real estate and money that I could have contributed to other alternatives and put it into this because I want the liquidity. I want to be able to leverage this money and pull it out without any restrictions. That as long as I can pull out 80 to 90 percent, I could go buy a car wash, or I could invest in a business, or I could, you know, do whatever I wanted to. I could loan it to my kids for their college and make them pay me loans back to my policy. There gives you a lot of flexibility to do it. But the thing that we love about it is we'll do what's called an illustration, and it may end up if you start at the right time, it could be a six-figure passive income stream at retirement, and then if you have the real estate, because this helped you grow your portfolio, where without doing the strategy, you might have ended up with say 10 properties. We might be able to get you to 20 or 30 properties working together as a team with your real estate coaches and stuff like that. Then we can potentially grow your real estate portfolio, and what we want to do is 1031 exchange every seven to eight years. I don't believe in holding properties for 30 years.   Jared Garfield  36:47   I believe in exchanging them every seven to eight years because when the tax benefits have been used up, if you exchange to twice the size portfolio, you have better appreciation on a portfolio worth twice as much. But that new value, you still get the depreciation advantages, where the old value that was half, you know, the depreciation is used up. So you're you're getting new depreciation on the higher value assets, and then our goal would be that by the time you don't want to be involved in managing the property managers, that at some point you're going to have a 200 unit apartment complex with on-site management, and at that point you don't have any financial worries really because you're 1031 exchanging into those apartment complexes, but you have so much equity that you're still maintaining depreciation during your retirement years. When most people who have lesser plans don't have the tax advantages,   Keith Weinhold  37:41   I love that you said so much of that, and to you, the listener, Jared is licensed to do this, and our own in-house investment coach. You mentioned coaching. Naresh has the proper licensing as well to holistically help integrate this into your investor life. And for example, yes, we are rarely of the mindset that you would hold a property for all 30 years because after seven to 10 years, your leverage ratio gets worn down, and then additionally, if you're buying turnkey properties, oftentimes that's when capex expenditures start to enter into the picture. So yes, oftentimes we do these seven to 10 year holds.    Jared Garfield  38:23   I love that. Yeah, that's a really really good strategy, and and it always makes it to where you can grow so much bigger portfolio by not being taxed through that exchange. And you know, believe it or not, there's actually even ways when you have extra cash boot, they do allow if you notify them in advance. Sometimes you can take some of the cash boot on the exchange and roll it into some of the products that we utilize.   Keith Weinhold  38:47   For more specifics, I know you said it's based on one's individual situation, but how much does it cost to set up a policy? And then, are there any ongoing maintenance fees? Can you give us more specifics there?   Jared Garfield  38:59   So, there's small fees to administer the policy because you have people who are trading and doing different things and working within the policy for the funds. But usually, you can set policies up as low as 100 or even $200 a month. We don't usually recommend that because you want to max fund it. Usually, when you're doing these strategies, if you're just doing $100 or $200 a month, you're basically buying life insurance, but you're missing a lot of the benefits because what you want to do is to be able to max fund it. So what we like people to do is get as minimum life insurance. That's not in our advantage because we get paid based on the premium of the amount of life insurance you get. But you get the smallest amount of life insurance for the amount that you can max fund. I would much rather have somebody get a $500 a month policy that, let's say, they could put you know a thousanmd a month in or something like that, than to have somebody get $1,000 a month policy where they're paying a thousand a month but they can't max fund it because by max funding it you're maximizing the growth component of the cash. Value, and so it depends on how much you want. But you can go anywhere from $100 or $200 a month to we have clients that will dump $20,000 a month in because they really want to shield as much money as they can from tax growth.   Keith Weinhold  40:15   Tell us more about who the seven-figure solution is for and who it's not for.   Jared Garfield  40:20   Well, if you're living month to month and you don't have discretionary income, it's probably not a good solution. In that situation, you probably want to get term insurance and just make sure that you cover catastrophic things. But if you've got discretionary income and you've got an extra four to $500 a month that you could use to max fund, we figure most people need life insurance anyway, and the way that we teach it, when you mix it with real estate, rather than pulling it from your monthly budget, doesn't it make a lot more sense to let your tenants buy the houses for you, but also pay for a half a million or a million dollar life insurance policy for you, where the tenants are covering the savings for anything that happens at the property with capex or vacancy or damage, and at the same time covering life insurance and potentially a six-figure passive income that's tax advantaged at retirement. So I pull the money out from other assets and let the assets cover this asset.   Keith Weinhold  41:18   Oh well, Jared, this has been great. Before I ask you if you have any last things to tell the audience about the seven-figure solution, I invite you, the audience, to join us. It's going to be Jared and our own in-house investment coach, Nareesh, bringing you a live online event that you can join from the comfort of your own home next Thursday, the 27th at 8 PM Eastern. You can register now; it's free at grewebinars.com because there are a lot of moving parts, and it does take some time to wrap your head around this, benefiting from the cash value of an insurance policy. And this way you can have a Q and A, and you can get answers in real time at this event. It's called the Seven Figure Solution: Build wealth, reduce risk, and create tax advantage retirement income through real estate. Again, it is next Thursday, the 27th at 8p.m. Eastern, you probably have generated some questions inside your head while you're listening to this, and you can sure have them answered there as you're going to learn a whole lot more about it next Thursday. This could help a lot of people. Jared, do you have any last thoughts?    Jared Garfield  42:38   I think the only thing is that we like to work with the team. We like to work with your CPA. We like to work with your real estate investment coach. I used to be a coach and trainer for Robert Kiyosaki, who wrote Rich Dad Poor Dad, and he always talked about power teams. And so we want to be able to be a part of your power team and work with your other advisors to help you implement something. We're not here to give you tax advice. We want you to be able to work with your investment advisors and your CPAs, and just be a part of the team. But I would point out that over my career, I've owned hundreds and hundreds of single-family cash flow rentals, duplexes, fourplexes, apartment complexes. I've done some land development, and I implement these strategies myself. I had 17 Airbnbs, and so these are the strategies that I implemented as a full-time real estate professional. I felt like that this strategy of having a seven-figure solution could help you to avoid some of the pitfalls that I experienced in my 20s.   Keith Weinhold  43:32   So much all comes together for one pretty comprehensive solution. It's the intersection of growing your portfolio, getting tax advantages and having the death benefits of insurance and more all coming together next Thursday, so that you can learn more. Jared, it's been great having you back on the show.   Jared Garfield  43:52   Thanks, Keith. Always glad to join you.   Keith Weinhold  44:00   Integrate the seven-figure solution the GRE way, where we have this conscientiousness about leverage and cash flow. In this case, it's how to prudently leverage a life insurance policy. When it's time to tap your cash value, you take what is a policy loan, not a withdrawal, because you're borrowing against your cash value, hence using the funds in more than one place, and the IRS does not tax loan proceeds. This reminds me of a billionaire and how they borrow against the value of their stock. That way, they don't have to sell their assets. This is similar to what you can do with this. Another thing is that you know real estate investors are not used to a volatile ride because our asset values stay stable. You heard Jared mention the acronym IUL there. That's an indexed universal life policy. It's a real benefit. That says you tie yours to the S and P five hundred. Well, that index was down 18% in 2022, and that your cash value can have an upside ceiling and loss protection on the downside-an option that you'll care more about as you get toward retirement. In 2008, the S&P was down 37% so the math is cruel on value losses. In fact, it's even worse than it sounds because if you're down 30%, then you need a 43% gain just to get back to even. That is just math.   Keith Weinhold  45:39   There are some mistakes to avoid here, and you don't just want to set up your seven-figure solution off of a website. And it is based on products that you might have heard of from companies like Nationwide and Mass Mutual. I strongly encourage you learn more, see how it all goes together, learn how the seven-figure solution compares to other vehicles like a Roth IRA, 401k, 721 exchange, and 1031 exchange. This is very much about seeing your future. You've been listening to me here every week for almost 12 years, earning money from your day job, building your real estate portfolio, either from our investment coaching or on your own. This is how it all goes together. Next week with Jared and GRE investment coach Naresh. By attending live, you can have your questions answered in real time. One last time, you can sign up for the event for next Thursday, the 27th at 8 PM. Eastern, 5 PM. Pacific. Learn about something that's potentially really valuable to you: the seven-figure solution at grewebinars.com. Until next week, I'm your host Keith Weinhold. Don't quit your daydream.   Speaker 2  46:59   Nothing on this show should be considered specific, personal, or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.   Keith Weinhold  47:26   The preceding program was brought to you by your home for wealth building, getricheducation.com  

A poem about a map opens North and South, the first collection of the great twentieth century poet Elizabeth Bishop, and since, maps have been associated with her poetic vision—at once telescoping and binocular—and with the polarities and preoccupations of her work. The map's privileged, sweeping, bird's eye view of the earth is also hand-held, man-made, intimate. Depending on its level of minuteness or obsession, it can contain the tiniest details as well as, let's say, the whole enchilada. And though it purports to be scientific and objective, it is representational and therefore subjective, particular, imaginative, and personal. For several episodes, Wes & Erin will be reading a selection of some of Bishop's most anthologized poems, starting with “The Moose” as expressions of, among other things, her map-like imagination. Upcoming Episodes: Nolan’s adaptation of “The Odyssey”; more Elizabeth Bishop poetry: “First Death in Nova Scotia,” “One Art.” Pre-order Erin’s forthcoming book “Avail” here: http://subtextpodcast.com/avail For bonus content, become a paid subscriber at Patreon or directly on the Apple Podcasts app. Patreon subscribers also get early access to ad-free regular episodes. This podcast is part of the Airwave Media podcast network. Visit AirwaveMedia.com to listen and subscribe to other Airwave shows like Good Job, Brain and Big Picture Science. Email advertising@airwavemedia.com to enquire about advertising on the podcast. Follow: Twitter | Facebook | Website Transcript 0:11 Erin: A poem about a map opens north and south, the first collection of the great 20th century poet Elizabeth Bishop. And since maps have been associated with her poetic vision, at once telescoping and binocular, and with the polarities and preoccupations of her work. The map's privileged, sweeping, bird's eye view of the earth is also handheld, man made intimate. Depending on its level of minuteness or obsession, it can contain the tiniest details as well as, let's say, the whole enchilada. And though it purports to be scientific and objective, it is representational and therefore subjective, particular, imaginative and personal. Over the next few episodes, we'll be reading a selection of some of Bishop's most anthologized poems, starting with the moose as expressions of, among other things, her map, like imagination. This is Erin O'Luanaigh. And this is Wes Alwan, and you're listening to Subtext. Wes, have you ever seen a moose in the wild? 1:12 Wes: I have not, but I have seen Instagram videos of them and people getting too close, and I've heard that they actually are quite dangerous. 1:23 Erin: Oh, perfectly harmless. 1:24 Wes: As cute as they look. So not safe as houses. Which is a very surprising line, unless you think that houses maybe aren't as safe as they seem or ought to be. But that's something we'll talk about later. How about you? 1:38 Erin: I have not. And I actually, it's become a running joke among certain friends of mine that I haven't seen a moose because I long to see a moose in the wild. This is my dearest wish. 1:52 Wes: Is that the first time anyone said that in history? I long to see. 1:56 Erin: I don't know. 1:57 Wes: It's a good first line for a poem, actually. Why do you long. Long to see a moose in the wild? 2:03 Erin: Really? Maybe because of the poem. I don't know. I just really want to, but I. Maybe this will become significant without getting too personal or maybe with getting too personal. With apologies to the listeners. Ten years ago now, when my grandfather passed that summer, my grandmother wanted to go up to Maine and revisit certain places that she had been with him. And we ended up going to Acadia. And I was so excited to see. Am just. I got it into my head that I had to go to Acadia and see a moose. And I even bought a sweatshirt. I'm not wearing it right now. I looked down to see if I was wearing it. It's the same size and shape as this one. This is a Yankees, 1996 World Series sweatshirt. 2:42 Wes: It's not a Rocky and Bullwinkle sweatshirt, is it? 2:45 Erin: No, no, no. It's an acadia and it has a. It has a mousse on it. And so I bought it the first day that I was there and I was like, this is my sweatshirt and it has a moose on it. And I'm gonna. I'm gonna see a moose. And I did not see a moose. And then I. I bought a moose sweatshirt in, I think Grand Teton, and I was like, I'm gonna see a moose. And I did not see a moose. And then I lived obviously many years in Utah, and things would happen. Everybody knew I wanted to see a moose. And I would go to these trails where you could see moose. And I would like be going up a trail and someone would be coming down saying, there are moose up there. We just saw a moose. You just saw baby moose. I'd get all upsided and I would. I would run up and it was gone and people would taunt me. 3:32 Wes: So you don't want to see like a magic white heart or something like that? 3:38 Erin: No, no, I just want to see him. Even the garden variety moose? No, no. Just a humble moose will hide itself from me when. When it knows that I am after it. 3:49 Wes: Because they are a goofy, right? Are they majestic? Are they goofy looking? Are they both? 3:55 Erin: I think they're both. And I think that kind of qual quality is really well captured in the poem. No, I mean that quality of if not being then looking safe as houses or being a gargantuan size, and yet having. I know this is a female moose, which I believe is called a cow, as opposed to a bull. Right. But the bulls, even their horns have that hand like quality to them. You know, it looks kind of like an outstretched hand. 4:22 Wes: Interesting. 4:24 Erin: Yeah. They're not majestic. 4:25 Wes: Yeah, I think that's important to the poem. It's not some obviously majestic creature, although it is large and there is majesty in it in the poem, but it's not the typical majesty that you can just get from, oh, look at this beautiful animal. 4:41 Erin: Yeah. And this is kind of why I brought up my grandfather. There was some connection for me as I think there is something quite personal going on with the moose at the end, other than the shared experience of everybody in the bus, all of that. Like there's something bigger than us, more than us, and yet familiar in a way. And it's magical in a sense, because to see it is kind of a rare thing. Yet it also comes out of the landscape that she's that she's grown up in and that she's part of. I think there's a. Yeah. A lot of interesting dualities going on. 5:17 Wes: Okay. So maybe you can read the whole thing and then you could give a little bit. Or we could give a little bit of the biographical background because this is a bus trip she actually took. Right. 5:26 Erin: Yeah. 5:27 Wes: The significance of Nova Scotia, which is where she's departing from in the poem and all of that stuff. But. Yeah. Do you want to start by reading? 5:35 Erin: Sure. The moose from narrow provinces of fish and bread and tea, home of the long tides, where the bay leaves the sea twice a day and takes the herrings long rides where if the river enters or retreats in a wall of brown foam depends on if it meets the bay. Coming in the bay, not at home, where silted red sometimes the sun sets facing a red sea and others veins the flats. Lavender rich mud and burning rivulets. On red gravelly roads, down rows of sugar maples, past clapboard farmhouses and neat clapboard churches, bleached ridged as clam shells, past twin silver birches through late afternoon a bus journeys west, the windshield flashing pink, pink glancing off of metal, brushing the dented flank of blue beat up enamel, down hollows, uprises and waits patient, while a lone traveler gives kisses and embraces to seven relatives and the collie supervises goodbye to the elms, to the farm, to the dog. The bus starts. The light grows richer. The fog shifting, salty, thin, comes closing in. Its cold round crystals form and slide and settle in the white hen's feathers in gray glazed cabbages on the cabbage roses and lupins like apostles. The sweet peas cling to their wet white string on the whitewashed fences. Bumblebees creep inside the foxgloves and evening commences. One stop at Bass river, then the economies, lower middle, upper five islands. Five houses where a woman shakes a tablecloth out after supper. A pale flickering gone the Tantramar marshes and the smell of salt hay. An iron bridge trembles and a loose plank rattles but doesn't give way. On the left a red light swims through the dark. A ship's port lantern. Two rubber boots show illuminated, solemn. A dog gives one bark. A woman climbs in with two market bags. Brisk, freckled, elderly. A grand night. Yes, sir. All the way to Boston. She regards us amicably. Moonlight as we enter the New Brunswick woods. Hairy, scratchy, splintery moonlight and mist caught in them like lamb's wool. On bushes in a pasture the passengers lie back, snores some long sighs. A dreamy divagation begins in the night, a gentle auditory slow hallucination in the creakings and noises, an old conversation not concerning us but recognizable somewhere back in the bus, grandparents, voices uninterruptedly talking in eternity, names being mentioned. Things cleared up finally. What he said, what she said, who got pensioned. Deaths, deaths and sicknesses. The year he remarried, the year something happened, she died in childbirth. That was the son lost when the schooner foundered. He took to drink. Yes, she went to the bad when Amos began to pray, even in the store and finally the family had to put him away. Yes, that peculiar affirmative. Yes, a sharp indrawn breath, half grown, half acceptance. That means life's like that, we know it. Also death talking the way they talked in the old featherbed, peacefully on and on, dim lamplight in the hall, down in the kitchen, the dog tucked in her shawl. Now it's all right now, even to fall asleep, just as on all those nights. Suddenly the bus driver stops with a jolt, turns off his lights. A moose has come out of the impenetrable wood and stands there, looms rather in the middle of the road. It approaches, it sniffs at the bus's hot hood, towering antlerless, high as a church, homely as a house or safe as houses, a man's voice assures us, perfectly harmless. Some of the passengers exclaim in whispers, childishly, softly, sure are big creatures. It's awful plain. Look, it's a she. Taking her time. She looks the bus over, grand, otherworldly. Why. Why do we feel. We all feel the sweet sensation of joy? Curious creatures, says our quiet driver, rolling his Rs. Look at that, would you? Then he shifts gears for a moment longer by craning backward. The moose can be seen on the moonlit McAdam. Then there's a dim smell of moose, an acrid smell of gasoline. 11:05 Wes: Thank you. Very nice. It's really great to hear it spoken out loud. Spoken is the wrong word. It's the word read, performed. Do you want to say anything about the form of the poem before I ask you about some of the autobiographical background? 11:22 Erin: Yeah. Short lines, six line stanzas, 20, I believe. 28 stanzas in all. Irregularly rhymed, should we say? Kind of like a lot of bishop, you know, we get A, B, C. Then sometimes not rhymed where you might expect. So the rhymes peek their heads out and then. And then recede. Chatty a little bit in places, lots of repetitions of words. But that. That's something we could talk about More. But, yeah, kind of. Kind of mysterious form. One of the best things I've ever heard or read, I guess, about Bishop was by Michael Hoffman, who wrote quite a bit about her. And he said that it seems as though every time Bishop is writing, whether in form or in a kind of nonce form that she's creating, that she seems to be just inventing every form, like from scratch. You know, there's no blueprint. She doesn't have a familiar style in which she writes or particular kind of verse form that she seems to gravitate to. And when she writes, you know, a sistina or a villanelle or a sonnet or something like that, it seems like she's almost inventing the form as she goes along. And in this instance, there's a real. I keep wanting to say homemade after Crusoe in England. But, yeah, I think that's maybe what he was trying to get at, that homemade quality, that sort of bespoke kind of quality. And in the places where the rhyme goes in and out, I think that's really exemplified. 12:53 Wes: Well, it better be bespoke. She took forever to write it. 12:55 Erin: Yeah, that's right. She started this in, I think, 1946. 13:01 Wes: And then she finished it when this 13:04 Erin: was published in Geography 3. So she finished it in the 70s. 13:07 Wes: Okay. 13:08 Erin: Geography 3 came out in 1977. And this must have been published before then, individually, perhaps in the New Yorker, I think. Oh, geography three is 76. I would say maybe 72 is the date that comes to mind. Don't quote me on that. 13:24 Wes: Do we know why it took her so long? Obviously, she put it down for a couple days here and there. 13:29 Erin: It was the July 15th issue, 1972. So close to the day that we're recording. Why did it take her so long? She just worked on things forever and ever and ever. You see it, if you read. I highly recommend to listeners that they Get Words in Air. A very, very thick book of all the letters between Bishop and her friend Robert Lowell. You see her bringing up things or even mentioning in a description that she's writing to Lowell in a letter, a line that will later show up in a poem. Yeah. Low rate of productivity is great to. 14:08 Wes: You know, I can relate to that. 14:11 Erin: I take it as my model, honestly. Like, you know, live. Live Large and die with a slim Collected is kind of a. 14:19 Wes: Kind of a great Monroe Doctrine. But call it. What's another name? Bishpro. 14:28 Erin: That's right. 14:29 Wes: Is it right that she was forced to complete it because she agreed to read it this is something for deadlines. Right. At Harvard's Phi Beta Kappa ceremony. 14:38 Erin: I didn't know that. I know she read it at that ceremony, but I didn't know that that's what. The impetus for completing it. But that doesn't surprise me. 14:45 Wes: Yeah. So deadlines help every once in a while. 14:47 Erin: Absolutely, absolutely. 14:49 Wes: And then biographically. Right. This is based on a trip that she actually took, and she. She'd been to visit relatives in Nova Scotia and then came back on this bus trip. And the. There really was a moose. There really was a collie. Seven relatives for the rest of it. Yeah, yeah. Seven else. 15:11 Erin: Yeah, yeah. The specificity and all of it's. You know, there is a kind of like a photo realism, not just in the style, but in the. You know, we could sort of be certain that these things happened the way that she is recording them somehow, and yet she's spinning it into something more than just reportage. 15:30 Wes: So she was raised partly by her grandparents in Great Village, Nova Scotia. Right. Her. Her father had died in infancy and her mother was institutionalized. 15:41 Erin: That's right, yeah. 15:41 Wes: She aged at. When she was 5. 15:43 Erin: That's right. 15:44 Wes: So it's important just because. Yeah. The bus is leaving Nova Scotia, but go. Go ahead. 15:48 Erin: Yeah, it is important. She was born in 1911 in Worcester, Massachusetts, and she's buried there. I've seen her grave up there. It has a line or two lines from the bite on her tombstone. All the untidy activity continues. Awful but cheerful. Yeah. So she was born in 1911. Her father died, I think, of Bright's disease when she was 8 months old. And then her mother was institutionalized when she was 5, and she never saw her again. She didn't die until the 30s, I think, while Bishop was at Vassar. 16:23 Wes: Do we know what she was institutionalized for? Mental illness in general? 16:28 Erin: Yes. I don't know exactly what. In a short story of Bishop's, she describes as her. A scream coming from her mother. And whatever was wrong was exacerbated by her husband's death. And so then Elizabeth was left to be raised by her grandparents in Nova Scotia who were quite poor. And I guess she was kind of running around barefoot on the farm and stuff like that. And her father's family were very wealthy, and so when they came up to visit Elizabeth, they were, I guess, horrified by the fact that she was just like, you know, running around, hanging out with farm animals. And they took her to. Back with him to Worcester, and she was very unhappy there. Very ill child. She had asthma and eczema. And really, like, I think almost died of both at one time or other, very unhappy. And then eventually she moved to an aunt's house in, I want to say, in Revere, Massachusetts, and she was a little happier there. And then she went to Vassar, and I've been to the Vassar campus to see various buildings associated with Bishop and also to see. They did a really fabulous exhibition of her postcards at the Vassar Library a couple of years ago, which I really loved, seeing her hand and her little. In jokes and asides and really amazing to see. Anyway, at Vassar, the librarian there set up a meeting between Bishop and Marianne Moore, who became a mentor to her. They were very close. And then also over the course of her life, she was very close with and had an important friendship with Lowell. Hence the enormous book of letters. I have it here. It's so heavy I could barely pick it up. But this is a great book. It's kind of like an epistolary novel. Yeah. And she was. I think it's important to say, too, that she was a lesbian who had a very long relationship with a Brazilian architect named Lota de Mecedo Soares, who was her partner in Brazil for 15 years. She lived down there, known for travel. A lot of her collections, whether it's Geography three, which is the most obvious one, or north and south, have. There are a lot of Brazilian pumps. There are a lot of geographical poems. The first poem in her first collection, north and south, was the Map, which is often read as a kind of ars poetica. She's known for these types of, you know, sweeping landscapes that the moose begins with, and an interest in landscape and in this kind of bird's eye view. But then also you get these telescoping details, like a cinematic close up interspersed. Much is made of that in Bishop, of that kind of vision of hers, and specifically of, I don't know, the idea that she creates these. These beautiful miniatures, which is true, but maybe sometimes can be a little. I mean, she's revered, as she should be, and she's one of the most popular poets and she also has a great ear and she has so many other great things going on. So I don't want to exclusively focus on that kind of visual element, though it's there and it's very rich. 19:43 Wes: So from narrow provinces of fish and bread and tea. That's a very good opener. Why are they narrow provinces? And what is the. What are the fish and bread and tea doing? Fish and bread sounds vaguely like it could be a biblical reference, but maybe it's not. But you add tea. Right. There's something mundane here and perhaps restricted, provincial. And that's what she's going to be departing from. I mean, well, begins with the tides, but. 20:12 Erin: Yeah, right. Yeah, that's right. Narrow in a few kinds of ways. Because there's a strange. Because of the Bay of Fundy, there's almost that like U shaped corridor of land around it. So Nova Scotia is kind of narrow. And then up into. Then there's the narrow isthmus. I don't know, I don't know if I'm using that word correctly. Up into New Brunswick. Yeah, so there's something maybe a little, I don't want to say spiritually narrow, maybe somewhat limited or like practical. Practical and, you know, just the necessities and a place we learn that that is. That maybe has to be stalwart in response to the vagaries of the water around it. The Bay of Fundy, I was reading online, the tide, over the course of just one tide, can rise and fall 50ft because the bay is like a giant funnel. When it goes out, it just leaves this vast, open, muddy plain basically behind it. 21:16 Wes: She portrays this very beautifully. We get the image of the tide retreating and then the flats that are being illuminated by the setting sun as burning rivulets. And then there's almost a transition into the bus ride when she says on red gravelly roads, eventually the subject of that is going to be the bus. Although in the beginning, before we get to the bus, it looks like the rivulets have almost become roads. So you almost get the sense like the tides come in and it's going to go further inward, it's going to go all the way to Boston, but it's going to become the inhabitants of the bus who are much like the herrings. Right. In the first stanza. The herrings on the tides take herrings on long rides. So it's almost as if as the tide comes in, she is caught in the tide and brought along with it towards her destination. 22:08 Erin: That's right, yeah. And the bay itself, the water itself is also like a traveler, you know, you might go to visit it and find it's not at home, it's gone out for on a trip or something. So there's also that connection as well. Whereas the roads are part of this more solid and dependable and the water being fickle and not always depended on to be there. 22:31 Wes: Well, I was going to say there's something very poignant about the way she describes the tides and whether they're in or out. And I can't put my finger on it exactly. It's almost. It's this idea of. Right. Where if the river enters or retreats in a wall of brown foam depends on if it meets the bay. Coming in the bay, not at home. If the tide is in or coming in the river clashes with it in a wall of brown foam. Is that the idea now? And what's the image there? Is it always a wall of brown foam? Well, either way, I just. Something about this idea of. It depends on whether the bay is at home or something like that. It's a poignant image. 23:12 Erin: It is. It's that sense of just. Of disappointment or just missing someone, like a missed opportunity. Seems kind of surprisingly emotionally resonant, considering that she's talking about a tide. 23:25 Wes: And we. You know, it introduces the idea of home and. Which I think will be significant. And later on we'll talk about whether the moose is safe as houses and the reflections of the elderly and all that stuff. But. 23:40 Erin: And boundaries, too, right. You have very slippery boundary between the bay and the. And the sea, between the rivers and the bay that feeds them. And I think that boundary very much plays into the idea of home. And you could say that the bus seems to be a part of that too. Right. Like the bus becomes the home. So there's a little bit of the slippery idea of this transposition of home life into the bus, or the people on the bus all becoming the. We like a family within it. The way that it can literally cross national boundaries. It's going to Boston across the border. 24:18 Wes: Yeah. And then they'll be observing provincial life, I guess, from within the bus. And. And, you know, a woman shaking out an apron, for instance, or home life. But, yeah, I had the same thought to you. The bus. The interior of the bus becomes its own kind of mobile home, I guess. I guess the wall brown foam part. There's that push and pull, or it's a matter of who's doing the pushing. Right. In one case, the brown foam. The wall of brown foam is caused as. As the river pushes on the retreating tide. And the other case, it's the tide pushing back against the river as it comes in. But in either case, there's a clash there. 24:58 Erin: Then there are places, though, where there's blurring of boundaries. Like one of my favorite lines in the whole poem, the idea of the churches as ridged as clamshells. She always takes that. This is much remarked upon among scholars of Bishop. Where you get the thing that's. That's really big, suddenly reduced in size to the handheld, but coming out of the same idiom. You know, both the clamshell and this clapboard church are in a way equally native to Nova Scotia. The brilliance of connecting those two things and fishing being an industry in the area, you know, sort of springing out of the fishing industry. 25:42 Wes: Yeah. And shells are what's left as the tide retreats. Right. As it's as if the houses are just the natural residue of a retreating tide. 25:52 Erin: That's great. 25:52 Wes: From the beginning of the poem, there's a sense of momentum, and almost like you, at least in my case, I felt like I'm on a camera moving over the landscape, and it starts with the tide, and then it moves to the burning rivulets. Right. So now we're hovering over. I don't know what you would call it, a. A tidal plane. Anyway, she calls it the flats. Right. So all the silt, and we're moving along there, and then suddenly we're on a gravelly road. So the sun takes over from the sea. The redness of the sun. And then the bus takes over from the sun. But that's the momentum of the poem is from sea to sun to bus. 26:37 Erin: Yeah. The bus flashes pink. We get lots of pairs of the same word, creating a kind of chime with each other. So we get the windshield flashing pink. Pink glancing off of metal. And we wonder, I suppose, because part of the reason why the roads are red is because of the clay content. Right. Of the road itself. So we get that combination of, like, something red in the road or in the composition of the soil and rock of the area. 27:07 Wes: Laterite, I think, which I only know because of Graham Green, who I've been reading. Oh, and what heart of the matter. He's talking about laterite houses, like. So from the red clay, you can make, you know, homes from as well, and common in Sierra Leone. So he used the word like a hundred times before he finally looked it up. All right. There must be something that's going to not know what he's talking about. I'm like, oh, okay, now I get it. Yeah. 27:41 Erin: So that's the mineral, the. 27:44 Wes: It's reddish. Yeah. Reddish clay type of soil, topsoil or something like that. I should know more about this because I used to write about this, too, when I was writing about transportation and engineering. 27:56 Erin: Right. 27:57 Wes: It's important what kind of soil you're building on. But anyway, I remember nothing about that. But, yeah. So it could be the right word. Who knows? But. But, yeah. So you're getting at the. Yeah. The way the redness of the sun is interacting with the. 28:12 Erin: Yes, it's coming. 28:13 Wes: The redness of the soil. 28:14 Erin: Yeah. And that kind of redness coming from below and above to glint off of the bus. The windshield is flashing pink from the sun and the metal is flashing pink from the road. They're both brushing the dented flank of the blue beat up enamel from one direction or the other, it seems. Yeah. Sort of tunnel of red in which the. In which the bus is traveling. 28:41 Wes: Such a vivid image that she gives us. It made me think, you know, sometimes it's almost better than film. It's more vibrant or more. Don't know how to say it, but I was thinking about this because in some of the philosophy podcasts we do, there are philosophers who deny that we have imagery in our head. Exactly. Or we can never. Which seems true. Right. We can't imagine anything with the vividness that we would have if we actually saw it. But it makes me think when I read a poem like this, but also. And also reading some of the novels I've been reading. Well, there's a special kind of vividness to figurative language that perception can't capture. In some ways it's more. More vivid, definitely. 29:26 Erin: I think the sonic quality of the word, the repeated. Right. It's on the one hand a repeated image, but then it also creates that kind of just the soundscape, makes them feel somehow more synesthetic to say, but somehow more picturable or more tangible or more. I don't know, the pink glancing off metal, the dented flank beat up enamel. You know, there's just. It's like. I think that's contributing to it, to the vividness of the image. And yeah, you talked about momentum, too. I mean, this entire. This whole first sentence is six stanzas long. It ends with. And Akali supervises. So there's also that kind of. Yeah. Locomotive propulsion of the camera work, so to speak, Zooming in and then following the road into the bus. And then the bus arrives to sort of catch again, quite cinematically the scene that's actually happening or the place where the eye, if there is an eye in the poem, actually is the lone traveler embracing these relatives with the collie watching on. So there's a sense in which the I eye of the poem doesn't actually catch up with the speaker until stanza six and the end of this first sentence until we get goodbye to the elms, to the farm, to the dogs. So there's kind of lamination at that moment of the I eye and the capital I. 30:49 Wes: We seem to be gradually getting more of a point of view. Right. It's very omniscient in the beginning, hovering over the landscape. And I think gradually we're going to be getting a her point of view in the bus and then a we. But also just to note, this is one. I think this is the first of three pauses. Right. There's gonna. It's gonna pause here, the bus. The momentum is gonna stop as the bus lets on the lone traveler, which I presume is her. Right. Her saying goodbye. And then there'll be a pause when the amicable freckled woman gets on. She's there because we need everything to be in threes. And then we. Then we're gonna pause for the moose in the very end. I didn't miss anything. Right. There's not other places where we stop? 31:32 Erin: No. I mean, there are, of course, stanzas that end some more definitively than others and stopped with a period. There's a stop at Bass River. Right. So there is a little bit of that kind of start. Stop syntactically. But I think you're right that those are the stops where there's content. 31:49 Wes: Content goes. 31:50 Erin: Yes. And where there's a very particular. Yeah, the content of the bus, except for the moose obviously doesn't get on the bus. But there's a stop that's motivated, let's say, rather than just being described as various stops along the way where we don't know who got on and who got off or whatever. Certainly there's also a movement toward that more personal experience of the speaker. But then there are also things that the speaker couldn't possibly know or you know, because once she's said goodbye to everyone and gets on the bus, then we also get the sort of nature show close ups. The crystals of fog, the lupins like apostles, the sweet peasants clinging. One of my favorite parts, clinging to their wet white string on the whitewashed fences. Again, we get two uses of white right next to each other. Bumblebees creeping in the foxgloves. All things you really can't see from certainly from a moving bus. 32:43 Wes: Yeah, the point of view gets focused very, very gradually, maybe through the whole palm. Maybe it's not fully focused until the very end, but. Yeah. So you're pointing out something important which is at the sort of omniscient point of view is still here in these very. What do you call it when you take a close up with your phone? Macro, ironically. Yeah. These very close up pictures of flora and fauna and very Beautiful. 33:12 Erin: Yeah. They compound and then they get more and more loaded and mysterious. And just when we're about to maybe go over the edge, we get recalled back a little bit. That's at least how I'm reading, for instance, stanza 12, about the ship's port lantern and the boot and the bark of the dog. And then suddenly a woman climbs on the bus. And so we're sort of stopped from going off into some sort of train of thought that you could follow there down a rabbit hole. But I love that stanza on red light swimming through the dark. It reminds me of the last stanza of disillusionment, of 10 o'. Clock. Do you know the old sailor, drunk and asleep in his boots, catches tigers in red weather? I think that's how it goes, the Stevens bomb, because we get the boots and the red light in the ship, so they're probably. No. No real connection there. 34:07 Wes: So all of these little intricate descriptions that she's giving, right. It begins with the light growing richer, which I take it mean, means we're approaching dusk and evening, or we're in dusk and it's evening is approaching and a kind of mini winter, Right. Something. It's a diurnal cycle, but there's a bit of a parallel to something seasonal. Right. So we get crystals forming and the images like sweet peas clinging and the bumblebees inside foxgloves. As evening commences, it's almost like. I don't know if this is true, but it's almost as if we're getting the response of the animals and flora and fauna to the commencement of evening. That's our first indication of it. So I was surprised to see, okay, it's still light out enough for us to see a woman shaking a tablecloth out after supper. And that is beautifully described as a pale flickering. Right. Almost as if that's something like the light reflecting off the enamel bus, or not pink anymore, but just a flickering of pale light and then gone, I suppose. Does that mean that we're now without light? Is that sort of the way nighttime is ushered in by the end of the next stanza? And it's in the next stanza that we see a red light in the dark. Now we have a ship in the dark. So it's almost as if. Yeah, the shaking of the tablecloth is like a magician. Abracadabra. Now it's nighttime, Right? 35:39 Erin: Yeah. I love that. Yeah. You're making me realize how many connections there are to Keats in this poem. Right. There's something Keatsian about it, very. To Autumn, you get the sweet peas clinging on the fence. You get that image of fecundity things on top of other things. You know, the mossed cottage trees and the late flowers for the bees. And then the shaking out of the tablecloth is like the hair lifted by the winnowing wind. Right. Because there's. There's wind, there are flowers and bees. And then there's also, of course, redness and that image of, you know, like the evening. Autumn. Evening redness. And maybe this is. Yeah. Rows of sugar maples. Those could be red as well. If we're in an autumnal landscape, can't be too late because everything is, you know, it's got to be like August, maybe because we have this. Or. No, I guess maybe not. Gray glazed cabbages. I don't know enough about cabbages to know at what point in their development. 36:40 Wes: Yeah. Whatever season it is. I just think that the evening is almost like a mini winter. It gets colder and we see the. 36:46 Erin: Definitely. 36:47 Wes: We see the effects of it. But, yeah, maybe autumn is probably the logical season for. 36:53 Erin: Right. Yeah. And that point. Or that point in the transition from summer to autumn where, I mean, even on a summer night in Nova Scotia, the evening temperature is quite autumnal regardless. And so when the woman climbs on with the market bags, we get. 37:09 Wes: Shall we take a. Shall we? 37:12 Erin: Oh, yes. 37:13 Wes: Let's let the freckled amicable woman on in part two. 37:17 Erin: She'll have to wait. 37:18 Wes: Let's not let her on the bus yet. 37:20 Erin: You have to wait for everyone else to get off before you can get on. It's one of the cardinal rules of public transportation. Okay, we will continue in part two. Thank you. 37:29 Wes: Thank you.

MTD was at the beach.Jacob turned 91.And somehow that combination led to a discussion about Chris Hansen, suspicious party guests carrying cookies, and why Facebook Marketplace might be the most dangerous place on the internet. Before they even mentioned the movie, Brad unloaded weeks of Marketplace trauma.One guy negotiated the price......only to announce he was already on his way to buy someone else's bike.Another promised to show up Saturday morning, completely disappeared, read Brad's messages hours later, and never replied.Then there was the 3 a.m. message from a woman who wanted an e-bike delivered halfway across the state because her boyfriend would meet him there.At that point, Brad was convinced every Marketplace sale ends with either getting ghosted or getting kidnapped.Mark didn't exactly disagree.The two spent several minutes wondering why basic human communication seems to disappear the moment someone opens Facebook Marketplace. They even pitched an entire bonus episode devoted to reading ridiculous Marketplace messages because, frankly, they write themselves. Eventually they remembered they were supposed to review Obsession.The movie follows Bear, a painfully awkward guy who's too afraid to ask Nikki out, so instead he buys a magical "One Wish Willow" from the creepiest crystal shop imaginable.Rather than wishing for confidence......or money......or unlimited wishes......he wishes Nikki will love him more than anything else in the world.As expected, that turns out to be one of the worst decisions in horror movie history.Brad couldn't understand why Bear was so terrified to ask her out in the first place. Nikki practically hands him the opportunity on a silver platter, asking if he likes her while they're sitting alone in the car.Instead......he freezes.Then immediately cracks open the magical wish stick.Problem solved.Sort of. The guys loved the creepy crystal shop, especially the employee who looked less like a cashier and more like someone who escaped from another dimension.Brad's theory?The store isn't actually a store at all.It's basically hell with retail hours.Neither of them could figure out how a company selling cursed wishing sticks hasn't been sued into oblivion.Somehow the business just keeps operating. From there, the conversation wandered completely off the rails.William Baldwin was declared the greatest Baldwin because he got Sharon Stone and Cindy Crawford in consecutive movies.Russell Crowe was accused of eating Russell Crowe.They reminisced about AOL discs, Prodigy internet, Pizza Hut's Back to the Future Part II glasses, and enough forgotten '90s thrillers to fill several future episodes.At one point they honestly seemed to forget Obsession existed.Then someone remembered.Barely. When they finally returned to the movie, both hosts agreed it delivered exactly what horror fans have been missing: an original premise, genuine creepiness, and a villain who creates his own nightmare because he refuses to have one uncomfortable conversation.Not bad for a movie that cost less than most Hollywood catering budgets.

durée : 00:21:17 - Le 6/9 de l'été - par : Alexis Morel - Cristian Mungiu, réalisateur de la Palme d'or du festival de Cannes, "Fjord", était l'invité d'Alexis Morel sur France Inter, alors que le film sort en salle mercredi en France. - invités : Cristian Mungiu Réalisateur roumain Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

durée : 00:21:17 - Les interviews d'Inter - par : Alexis Morel - Cristian Mungiu, réalisateur de la Palme d'or du festival de Cannes, "Fjord", était l'invité d'Alexis Morel sur France Inter, alors que le film sort en salle mercredi en France. - invités : Cristian Mungiu Réalisateur roumain Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

This week Gene and special guest Baberuthless join Brad to discuss Marvel Tokon: Fighting Souls, Big Walk, and more! Timestamps: Please keep in mind that our timestamps are approximate, and will often be slightly off due to dynamic ad placement. 0:00 - Intro13:42 - Marvel Tokon: Fighting Souls49:34 - Marvel Spider-Man 21:09:52 - Sort it Out1:24:29 - Keep it Up1:31:24 - Game Recommendation1:33:18 - Big Walk1:40:58 - Pokemon Pokopia1:47:58 - Closing Questions To watch the podcast on YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/LastStandMediaYouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Don't forget to subscribe to the podcast for free wherever you're listening or by using this link: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/SummonSign⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ If you like the show, telling a friend about it would be amazing! You can text, email, Tweet, or send this link to a friend: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/SummonSign⁠⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

This episode is sponsored by Alloy. Alloy - Spoiler: you can feel amazing in menopause. Visit https://myalloy.com and use code FLIPPING50 for $20 off your first order! Connect with Flipping 50: Facebook Group - Flipping50 Insiders Instagram - @Flipping50TV YouTube - @Flipping50TV More Episodes - Flipping 50 The Stronger Way Other Episodes You Might Like: Previous Episode - Resistance Training If You're a Beginner vs If You're Experienced More Like This: The Bible for Exercise Guidelines Update: Here's What It Means Who's Really Fighting for You? How to Sort the Noise in Women's Fitness Why Doing More Exercise Can Backfire After 50 Resources: Book an Ultimate Assessment with Debra! Get your HALO Method and Longevity Strategy at $497, instead of $997 rate. Together, you formulate the actual plan that will work for you! Get your lean, clean Flipping 50 Protein Powders to maintain muscle and support metabolism. Use Flipping 50 Scorecard & Guide to measure what matters with an easy at-home self-assessment test you can do in minutes. Why isn't it working when you're putting in the time, doing the workouts, and still not seeing the results you want?  If you're already lifting but your strength, muscle, or body composition has hit a frustrating plateau, your training may need a smarter strategy.  After 40, effort, volume, progressive overload, training close to failure, and recovery become even more important to getting results from your workouts. Take a closer look at what experienced lifters may be missing. If you've been wondering why isn't it working, it may be time to change how you train. Resistance training for advanced lifters requires a different strategy. If this episode made you flip your workout routine — share it!

The Coen Brothers' American take on "The Odyssey" left an indelible mark on film and music alike, but how does it hold up as an adaptation? In episode 391, join Luke Elliott & James Bailey as the geek out about Roger Deakins, debate what makes for an effective politician, unpack the role of race in this Depression-era epic, and finally cast their votes for which they preferred, the book, the movie, or Christopher Nolan's version! Join our Discord channel https://discord.gg/yQpgu9jYB2 Pickup The Odyssey or any of the books they've covered at the Ink to Film Bookshop https://bookshop.org/shop/inktofilm Support Ink to Film on Patreon for bonus content, merch, and the ability to vote on upcoming projects https://www.patreon.com/inktofilm Ink to Film's Facebook, Instagram, Bluesky (@inktofilm) Home Base: inktofilm.com Intro/outro music: "Rapture" by Ross Bugden  https://youtu.be/vja87ZXejyk?si=PJlByfDXNemtqJMo Luke Elliott Website: www.lukeelliottauthor.com Social Media: https://www.lukeelliottauthor.co... Writing: https://www.lukeelliottauthor.co... James Bailey Bluesky: https://bsky.app/profile/jamebail.bsky.social IG: https://www.instagram.com/jamebail/

This week I sat down with Nathan Moss, known as Uncle Nathan, and this one is going to hit close to home for a lot of people in their 20s.Nathan spent a good chunk of his twenties doing what a lot of us do — feeling a bit lost, a bit unfulfilled, and not really sure why. So he did what made sense. He packed up, moved to Bali and set out to build the dream life. And from the outside it looked great. But on the inside, something still wasn't right.So he came home. And then he did something about it — he wrote a book.Sort of OK, Not OK is Nathan's self-published debut, and it is exactly the kind of honest, unpretentious conversation about life in your twenties that most people are desperate for but rarely find. It's a book for people who are figuring it out and tired of pretending they already have.We talk about what it really felt like to chase a dream life and feel nothing, what moving back to Australia taught him, why he decided to write and self-publish rather than wait for permission, and what he hopes people take from the book.Nathan is warm, self-aware and refreshingly honest. This one is for anyone who has ever felt sort of ok, and sort of not.In this episode we cover:Struggling and feeling lost in his early twentiesMoving to Bali to build the dream life and feeling unfulfilledComing back to Australia and what that decision taught himWriting and self-publishing Sort of OK, Not OKHonest conversations about the reality of life in your twentiesWhy so many people are figuring it out and pretending they aren'tWhat he hopes people take from the bookNathan's Book — Sort of OK, Not OKhttps://www.amazon.com.au/Sort-Okay-Not-twenties-yourself/dp/1764607414Follow NathanWebsite https://unclenathan.com/Instagramhttps://www.instagram.com/unclenathanco/Connect with Cooper Workshop and Speaking Enquiries https://form.typeform.com/to/DSPSnvEH 1% Good Club Book https://booktopia.kh4ffx.net/e1xrkr https://amzn.to/46ve1i2 Instagram https://www.instagram.com/cooperchapman/ TikTok https://www.tiktok.com/@cooperchapman_ LinkedIn https://www.linkedin.com/in/cooper-chapman-08a278151/ The Good Human Factory Instagram https://www.instagram.com/thegoodhumanfactory/ The Good Human Factory https://www.thegoodhumanfactory.com THE GOOD HUMAN FACTORY™️ 2020 Hosted on Acast. See acast.com/privacy for more information.

The Morning XTRA with Tug and Los delivers conservative talk on the biggest political, cultural, and news stories of the day. Smart analysis, unapologetic opinions, and real conversations every weekday morning. Every weekday from 6a to 10a! The 6 o'clock hour is brought to you by Subaru of Gwinnett Braves beat the Mets / Football is here (sort of) You can buy healthy foods if you want too Atlanta's ONLY All Conservative News & Talk Station.: https://www.xtra1063.com/See omnystudio.com/listener for privacy information.

This week I sat down with Nathan Moss, known as Uncle Nathan, and this one is going to hit close to home for a lot of people in their 20s.Nathan spent a good chunk of his twenties doing what a lot of us do — feeling a bit lost, a bit unfulfilled, and not really sure why. So he did what made sense. He packed up, moved to Bali and set out to build the dream life. And from the outside it looked great. But on the inside, something still wasn't right.So he came home. And then he did something about it — he wrote a book.Sort of OK, Sort of Not is Nathan's self-published debut, and it is exactly the kind of honest, unpretentious conversation about life in your twenties that most people are desperate for but rarely find. It's a book for people who are figuring it out and tired of pretending they already have.We talk about what it really felt like to chase a dream life and feel nothing, what moving back to Australia taught him, why he decided to write and self-publish rather than wait for permission, and what he hopes people take from the book.Nathan is warm, self-aware and refreshingly honest. This one is for anyone who has ever felt sort of ok, and sort of not.In this episode we cover:Struggling and feeling lost in his early twentiesMoving to Bali to build the dream life and feeling unfulfilledComing back to Australia and what that decision taught himWriting and self-publishing Sort of OK, Not OKHonest conversations about the reality of life in your twentiesWhy so many people are figuring it out and pretending they aren'tWhat he hopes people take from the bookNathan's Book — Sort of OK, Not OKhttps://www.amazon.com.au/Sort-Okay-Not-twenties-yourself/dp/1764607414Follow NathanWebsitehttps://unclenathan.com/Instagramhttps://www.instagram.com/unclenathanco/Connect with CooperWorkshop and Speaking Enquirieshttps://form.typeform.com/to/DSPSnvEH1% Good Club Bookhttps://booktopia.kh4ffx.net/e1xrkrhttps://amzn.to/46ve1i2Instagramhttps://www.instagram.com/cooperchapman/TikTokhttps://www.tiktok.com/@cooperchapman_LinkedInhttps://www.linkedin.com/in/cooper-chapman-08a278151/The Good Human Factory Instagramhttps://www.instagram.com/thegoodhumanfactory/The Good Human Factoryhttps://www.thegoodhumanfactory.comTHE GOOD HUMAN FACTORY™️ 2020 Hosted on Acast. See acast.com/privacy for more information.

In this explainer episode, we've asked Dr Antonio D'Alessio, Medical Oncologist at Guys and St Thomas Foundation Trust, to explain cancer vaccines and how they work. You can also find a series of short videos explaining some of the common terms you might encounter about genomics on our YouTube channel. If you've got any questions, or have any other topics you'd like us to explain, let us know on podcast@genomicsengland.co.uk. You can download the transcript or read it below. Florence: What are cancer vaccines and how do they work? My name is Florence Cornish, and today I'm joined by Antonio D'Alessio, who is a medical oncologist ay Guy's and St Thomas' Foundation Trust and King's College. And he's going to be telling us much more about the topic. So Antonio, before we get into cancer vaccines, I wanted to first ask you about cancer. I know it's a pretty broad term, and it refers to the uncontrolled growth of cells in the body, but maybe it would be helpful for you to explain a little bit more about what cancer actually is, like what that term means, especially for listeners out there who might not have that scientific background. Antonio: Yeah, of course. And first of all, thanks for inviting me today. Well, that's a big question. The point is that we know that in our bodies there are billions of cells, and all of these cells, they divide, they do their job, and they know when to die on schedule. The point is that sometimes there are cells that ignore this instruction and just keep reproducing and growing, and this is when cancer grows. Our bodies have systems, which is the immune system, to recognize when this happens so that the immune system can recognize the cancer cells that are growing too much. They attack them and destroy them. But unfortunately, sometimes cancer is quite clever, they manage to escape from the immune system and starts growing without control, and that's when cancer starts. Florence: And so, what are the standard treatments that we use for cancer at the moment? Antonio: Well, broadly speaking, I would say that we have three types of cancer treatments. One, it's surgery, where we just cut the cancer out. Then we have radiotherapy, where we basically induce targeted damage to the cancer. And then we have a very broad umbrella term that is systemic therapy. Systemic therapies can be chemotherapy, can be targeted therapies, and that can be immunotherapy. In particular, immunotherapy is quite exciting because over the past 20 years, we have learned how to boost the immune system of patients, so that's the white blood cells, the immune system of patients that can recognize cancer cells and attack them. Sort of imagine that cancers hide behind an invisibility cloak, and immunotherapy helps unveil the cancer so that the immune system can recognize the cancer again and attack it. And vaccines and cancer vaccines are part of this family of immunotherapy drugs. Florence: Yeah so speaking about that, I think lots of listeners might have heard of the term cancer vaccine before, obviously, its the topic of this episode. And I think the term cancer vaccine sounds very interesting and promising, but also maybe a little bit intimidating as well. So maybe you could tell me more about what a cancer vaccine is kind of at the most basic level. Antonio: Well, cancer vaccine is a vaccine, and we have received so many vaccines in our lives that our body basically has learnt already how to process a vaccine. Imagine a vaccine as a wanted poster. So, we give the body the instructions to recognise something that shouldn't be there, and the immune system knows how to do it. So, the job of the immune system is to recognize strangers in our bodies - that can be microbes, bacteria, viruses, and also cancers. And sometimes with a vaccine, we sort of help the immune system to do its job a bit better. And with vaccines, we provide the instructions to recognize these strangers in our body and help the immune system to, to get rid of them. And in particular, for cancer vaccines, we have different types of cancer vaccines. There's a family of cancer vaccines that are called preventative, where we can try to give a vaccine even before the cancer develops to reduce the risk that the cancer develops. And, this is more early in the development. While we have, another family of cancer vaccine, which are mostly mRNA cancer vaccines that are called therapeutic. So these are cancer vaccines that are given to patients who already have cancer, maybe who had the surgery for their cancers, so that the aim of the cancer vaccine is to boost immune system and reduce the chances that the cancer comes back after surgery, or, help other types of immunotherapy work better together with vaccine against the cancer. Florence: So, I think for me at Genomics England, the mRNA cancer vaccines are probably most relevant to the work that we do here as an organization. Could you explain a little bit more about how those ones work specifically? Antonio: Yeah, that's an exciting field, right? The mRNA vaccine. So, let's split this into different words, mRNA and vaccine. We have just covered what vaccine means. We just have to think mRNA as just instructions. So we give the body of the patients the instruction to recognize the cancer. And the mRNA is basically the instruction for the immune system to recognize some of the proteins that are expressed on the cancer cells, so that's the white blood cells, the own white blood cells of the patients that can be more alert and identify the cancer cells if they are around. And in particular, imagine when we give the mRNA vaccine, it's like we are giving the picture of a suspect to the police, right? The police is the immune system of the patients, and the suspect is the cancer. And so, the immune system, so the police of our body, can go around the body, can go around the bloodstream, can go around the organs, and if they see the suspect, they are, they are already alerted, and they can tackle it, attack it, and destroy it before it develops into, into a cancer that can be seen on the scans.   Florence: And are these types or other types of cancer vaccines being used in the clinic at all in real medical settings already? Antonio: Well, I wouldn't say that we are using that in clinical practice, but probably in the future we will, and we are working hard to make sure that we will be able to use cancer vaccine for our patients. At this stage, we are using cancer vaccines as part of clinical trials, and these clinical trials cover different types of cancer types, different types of setting, together with other drugs or given alone after surgery, for instance. And the NHS England, Genomics England and NIHR, they launched this massive infrastructure that is called the Cancer Vaccine Launchpad. And it is aimed specifically to match the NHS cancer patients with personalized mRNA vaccine trials, so that once we have the results of those trials and we are ready to deploy it in clinical practice, then we already have the infrastructure to do that promptly, hopefully in the next future. Florence: Mm-hmm. Yeah, so do you see a future where cancer vaccines are used in routine care? Antonio: Well, we are working towards that. And I, and I do see a future where we're going to use that. I don't know when. Probably it will take still a few years. But the, for example, in the UK and in England in particular, we have a national cancer plan, and the national cancer plan for this year has identified cancer vaccine as a top priority for our health system. And this is because this is a technology that can be scalable, that can be widely deployed once it's demonstrated to be working. And at this stage, there are still some open questions, like which cancer types in which setting, which patients would benefit from it. But once we address these open questions in clinical trials, then I do believe that we'll be able to use that in the, in the future. Florence: I think we'll finish there. Thank you so much, Antonio, for coming on and for taking the time to talk to us. Antonio: Thank you Florence, and thank you for the invite. Florence: If listeners want to hear more explainer episodes like this, you can find them on our website at www.genomicsengland.co.uk or wherever you get your podcasts. Thank you for listening.

Pastor Rebecca on the importance of hiring the right nanny for your baby. (Kidding! Sort of!) We kicked off our Show and Tell theme with some of the 5 words the gospel-writer would use to describe Jesus (bible-based, guest, revelation) and some of the 5 words he'd use to describe us and other disciples (remember-ers, witnesses) as he shows and tells in Luke 24: 28 - 32. (*Plus* stories about nannying.)

Sigue la discusión sobre la llamada "Ley censura" y el "derecho de las audiencias". Tenemos a Luisa Gutiérrez del PAN, Noroñis y la Presidenta hablando del caso. Fox acepta, a más de 20 años, que debió hacer algo que no hizo y María Sorté esta orgullosa de ser "la suegra de México". Martinoli le pide a la gente que no defiendan a los futbolistas como si fueran de su familia. Eduardo Yáñez quería ser luchador de niño y Wendy Guevara está harta de strippers y chacales.

This episode is sponsored by Flipping 50 Menopause Fitness Specialist. Flipping 50 Menopause Fitness Specialist.- Become a health & fitness coach who finally speaks midlife women's language. Learn how to design workouts that balance hormones that actually get results for women in menopause. Connect with Flipping 50: Facebook Group - Flipping50 Insiders Instagram - @Flipping50TV YouTube - @Flipping50TV More Episodes - Flipping 50 The Stronger Way Other Episodes You Might Like: Previous Episode - Who's Really Fighting for You? How to Sort the Noise in Women's Fitness More Like This: The Bible for Exercise Guidelines Update: Here's What It Means Muscle Building Vs Muscle Loss With Various Diets And Or Protein Amounts Resources: Book an Ultimate Assessment with Debra! Get your HALO Method and Longevity Strategy at $497, instead of $997 rate. Together, you formulate the actual plan that will work for you! Use Flipping 50 Scorecard & Guide to measure what matters with an easy at-home self-assessment test you can do in minutes. What's the difference between resistance training if you're a beginner (or starting again) vs you're an experienced lifter?  Resistance training for a beginner doesn't have to mean sore muscles, heavy weights, or wondering if you're doing it “right.” In fact, the smartest way to get stronger may be to slow down and learn the movement before you ever load it up. The question now is.. HOW? Tell me I'm not alone when I ask ‘HOW?' Let me know you're listening.. or ask HOW! Send me a DM on Instagram, maybe you prefer Facebook, join the Flipping 50 Insider Community Facebook Group, or if you're one of our VIP members you can use your group inside Flipping 50: The Stronger Way app on Apple or Android. If this episode made you flip your workout routine — share it!

A passenger on an LA Bound flight makes bomb threats and gets his status changed...-----Yeeessss... The first of the 2026 live MFB 'Status: Arrested' Tour tickets are now on sale.Keep an eye out for more dates to be announced real soon.MELBOURNE - AUG 15 - BASEMENT COMEDY CLUBBRISBANE - SEPT 12 - 12PM EXTRA SHOW - GOOD CHAT COMEDY CLUBCody's show CRU$HER is hitting all major centres and more in 2026. He's back. It's red hot. Fuckin' do it. Stop going to shit comedians who charge double and deliver half.-----------------------------------YOUR STUPID has arrived. It's a book. It's a similar vibe to last year's one, but better. If you want a copy, head over to lukeheggie.com and stump up, and it will arrive via Australia Post. Any First Class Patrons, yours have been posted, (including the seppos - at great personal expense) but excluding the three bastards who have not provided an address, and seem to refuse to reply to emails. Sort it out. I'll bring some to live shows too. That is all.Heggie's 2026 show I WON'T SAY IT AGAIN is on sale now too. It's a hand-selected crack team of bits from the last five years. Get on it here.-----------------------------------Heggie dropped a FOURTH YouTube special, GROT, but still left the comments closed like a coward. Watch it here.Cody's new stand-up special "LIVE AT THE CORNER HOTEL" is OUT NOW on YouTubeHave a squizz and leave comments before he takes Heggie's cowardly route and turns off the comments. Hosted on Acast. See acast.com/privacy for more information.

durée : 00:29:30 - Le Cours de l'histoire - Plus qu'un portrait, La Joconde fut le chef-d'œuvre d'une vie, que de Vinci refusa de livrer pour le parfaire sans relâche. Entre quête de perfection et mystère intime, cette œuvre devient, sous l'œil de Freud, le miroir de la psyché de l'artiste et la réminiscence du sourire de sa mère. Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

durée : 00:28:05 - Le Cours de l'histoire - Objet de tous les fantasmes et des théories les plus extravagantes, l'identité de la Joconde est pourtant parfaitement établie : Lisa Gherardini. Une jeune Florentine dont le portrait fut commandé à Léonard de Vinci par son riche époux, le marchand de soie Francesco del Giocondo. Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

durée : 00:28:57 - Le Cours de l'histoire - La Première Guerre mondiale marque un tournant dans la perception de la Joconde : Mona Lisa sort de son cadre et devient un terrain d'expérimentation artistique. De Duchamp à Warhol, les artistes occidentaux se l'approprient pour désacraliser l'art et questionner la société de consommation. Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

durée : 00:30:46 - Le Cours de l'histoire - En 1911, le vol de la Joconde par le vitrier italien Vincenzo Peruggia élève le fameux portrait au rang de chef-d'œuvre en péril. Entre ferveur patriotique italienne et traumatisme national français, ce casse historique transforme Mona Lisa en icône, et le tableau en enjeu de prestige international. Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

This week Dustin and Lock join Brad to discuss Beast of Reincarnation, Yakuza Kiwami 1+2, God of War, and more! Timestamps: Please keep in mind that our timestamps are approximate, and will often be slightly off due to dynamic ad placement. 0:00 - Intro16:52 - Yakuza Kiwami 1-244:02 - Tyranny1:03:09 - Beast of Reincarnation1:19:40 - Sort it Out1:39:31 - Keep it Up1:53:47 - Game Recommendation1:58:00 - Dragon Quest XI2:16:08 - God of War (2018)2:31:33 - Crash Bandicoot2:36:24 - Closing Questions To watch the podcast on YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/LastStandMediaYouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Don't forget to subscribe to the podcast for free wherever you're listening or by using this link: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/SummonSign⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ If you like the show, telling a friend about it would be amazing! You can text, email, Tweet, or send this link to a friend: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/SummonSign⁠⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

The noise in women's fitness has never been louder—and if you're wondering who to trust, you're not alone.  Every scroll seems to deliver a new expert, a new rule, or a new warning that contradicts the last one, leaving many women feeling more confused than confident.  Let's cut through the hype to help you understand why these conflicting messages exist and how to evaluate them without getting pulled into the latest trend. You'll learn a practical way to separate evidence from opinion so you can make informed decisions that actually support your health, strength, and longevity.  Instead of adding to the noise in women's fitness, this conversation gives you the clarity and confidence to focus on what truly matters If this episode made you flip your workout routine — share it!

When the answer to "what are your plans for tomorrow?" is the same as yesterday — laundry, dishes, write an article, you know, this and that — there are days when that answer brings tears to the eyes. Not from ingratitude, exactly, but from the quiet weight of monotony. Sort. Wash. Dry. Fold. Put away. Again and again. Day after day. And somewhere in that repetition, the temptation grows to reach for distraction — social media, movies, anything that makes the hours feel less like they are disappearing into nothing. But distraction is the enemy of the soul. The real need is not to escape the routine but to embrace it differently. Colossians 3:23-24 reframes every ordinary task with a single shift of perspective: whatever you do, work at it with all your heart, as working for the Lord. Not for the applause of others, not for the feeling of significance, but for Him. A day spent doing dishes and laundry with a focus on God is a day well spent. When we worship, pray, and praise through the monotonous everyday stuff, intimacy with God deepens, faith grows, and what felt meaningless becomes sacred. The routine day has never been the problem. Living it on autopilot, disconnected from God's presence, is what hollows it out. When perspective shifts and the Lord is at the center, the soul refills. And a soul that is full will never describe its life as meaningless. Bible Verse "Whatever you do, work at it with all your heart, as working for the Lord, not for human masters, since you know that you will receive an inheritance from the Lord as a reward. It is the Lord Christ you are serving."— Colossians 3:23-24, NIV Ponder Today Nothing done for the Lord is meaningless. When our ordinary tasks are offered to Him as an act of worship, they are transformed. The significance of a day is not determined by its drama but by its orientation toward God. Living on autopilot is what makes routine feel empty — not the routine itself. When we move from sunrise to sunset without becoming fully present to what God is doing in and around us, we miss the moments that will never pass our way again. Busyness and productivity do not fill the soul. A schedule can stay full while a soul stays empty. Doing does not equal being, and a life crammed with activity can still feel utterly meaningless if God is not at the center. Routine days are where faithfulness is quietly built. The repeated, ordinary steps are what enable us to walk through the fire when that day comes. Life becomes faithful and full in the ordinary, not despite it. Perspective is a self-fulfilling prophecy. When we choose to see each day as a stewardship from God — significant, meaningful, and filled with His presence — that is the life we will experience. When we choose meaningless, that is what we get. A Prayer for You Today Heavenly Father, thank You for the dailiness of life. Even in the routine and mundane activities, You are there. May we be ever reminded of Your faithful presence and work in our lives. And whatever we do, may we do it with You in mind and for Your glory. In humble gratitude for this day, Amen. Don't Miss an Episode If today's prayer helped you find fresh meaning in an ordinary day, we'd love to stay connected. Subscribe to the LifeAudio newsletter at LifeAudio.com for daily prayers, devotionals, and more content to keep your heart present, purposeful, and centered on God every single day. If you like this podcast, be sure to check out our sister podcast, Your Nightly Prayer - an evening Christian prayer podcast to help you end your day in conversation with God. https://www.lifeaudio.com/your-nightly-prayer/ Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

Things Discussed: Seth and Craig are on early to talk about 5th year seniors returning if they're able (won't be that many because roster spots and NIL budgets are used up). Also Detroit Tigers trades. You coulda been a contender, given the next generation something to love. Dads with young kids in Polanco jerseys, but you never see a Deivi Cruz jersey because they weren't watchable enough to care. FOOOOOOOTBALL!!! Weight gains/strength gains? Sort of an indictment on the state of the program last year if guys like Etta are making big gains (Staehling makes more sense). May also just mean the team is marketing this. Frazier we believe in, because we hear it from many places. OL was good last year but when they got to Ohio State that was a bridge too far. Babalola/Frazier/Sprague/Link? They're all tackles. Can't move Sprague. We don't know this staff well enough yet to read between the lines. Whittingham walked in like "this cupboard ain't bare." Jake Guarnera will be a great center. One thing Sherrone did well was recruit Cs. Can tell because Texas went right at him in the offseason. Bracy is going to start. Second-best safety in run support on PFF, and it really translated on his tape. That guy fills! Players insist Staehling will be a breakout guy. Sam recalls the interviews he did with a bunch of players. Expecting the anchor of the defense will be the DL. Dom Nichols will step up. Deyvid Palepale will be an impact guy. Brian: This is a harder sell for me. Let Urban in the building? Sure but don't let him see anything.

To say that Coco Chanel was influential in fashion would be a huge understatement. Ever heard of the little black dress? Dave Young: Welcome to the Empire Builders Podcast, teaching business owners the not-so-secret techniques that took famous businesses from mom-and-pop to major brands. Stephen Semple is a marketing consultant, story collector, and storyteller. I’m Stephen’s sidekick and business partner, Dave Young. Before we get into today’s episode, a word from our sponsor, which is, well, it’s us, but we’re highlighting ads we’ve written and produced for our clients. So here’s one of those. [Oliva Gibbs Law Ad] Dave Young: Welcome back to the Empire Builders Podcast. And Dave Young here, Steve Semple over there. That doesn’t mean anything if you’re just listening to this in your car. I don’t know which one of us is here and which one of us is over there. But Stephen told me as the countdown started, he said, “Hey, I got another fashion topic for us.” And I’m like, “Shh, quiet. Let me guess. Let me guess because knowing me, maybe it’s something I know this time.” Right? Right. So I’m thinking Columbia fishing shirts. Stephen Semple: I think your other guess was Carhartt. Dave Young: Carhartt? Pants from Walmart or Sam’s Club. Probably not those, knowing you and your European travels and your fine taste. Stephen Semple: I think you’ve heard of this one though. I think you’ve heard of Chanel. Dave Young: Oh, Coco Chanel. Stephen Semple: Yes. Dave Young: She was in tight with the Germans, wasn’t she? Sort of accused of that? There’s intrigue. There’s movies. Stephen Semple: Oh yeah. Dave Young: There’s a whole miniseries and things. Stephen Semple: There’s a whole bunch of stuff about Coco Chanel, but she did a lot of innovation in fashion man. And I’m going to say this is one, given some of the background things that happened, I struggled a little bit with sort of creating the through line here because I didn’t want all of that stuff to overshadow some of the amazing things that she actually did in the fashion world that was unbelievably innovative. Dave Young: Cool. Stephen Semple: And today, Chanel remains one of the largest, most profitable luxury companies in the world. They are privately owned by a German family, the Wertheimer family. And so therefore, it doesn’t receive the same attention because it’s not publicly traded, but they do publish annual financials. And so 2025 revenue was 19.3 billion US, profit of 4.7 billion, 38,000 employees operating in a hundred countries. And to put that in perspective, that makes them the same size as Hermes, makes them bigger than Ferrari, 50% larger than Rolex. Really about the only one that’s larger is LVMH, but LVMH is like 75 luxury brands. So it’s a big deal. Really, really big deal. One of the other things I found interesting is they own dozens of these specialist artistry that do embroidery and feathers and- Dave Young: Really? Stephen Semple: … and do other luxury components. And they pretty routinely invest about a billion dollars annually in capital investment. Dave Young: Wow. Stephen Semple: They’re an interesting company, especially when you consider it all started with one tiny shop that sold hats in 1910. Dave Young: Hats? 1910? Stephen Semple: Just hats, yeah. Coco was born Gabriela Chanel. The name Coco was actually a nickname that came later when she was doing singing in Samoa, France in 1883. So in 1885, her mother dies. She’s 12 years old. She goes to an orphanage where she learns how to sew. Now in 1903, she’s working as a clerk in a seamstress in a shop in Milan that sells lingerie and linens and hosieries and things along that lines. And she’s also singing in cafes, which is where she gets the nickname Coco. Dave Young: Okay. Stephen Semple: Now it’s here that she meets Etienne Balsan, who’s an aristocrat, and Coco becomes his mistress and lives with him. And one of his passion is breeding horses. So she gets into the whole horse set thing. And there’s these early pictures that show her kind of really dressed very tomboyish for the time, really dressed for the outdoors. And she starts making hats and she wants to open a store selling hats. Now he feels this is kind of a bit of a passing fancy. So he lends her some money and says, “You can do this out of my apartment in Paris, but we’re not going to do this real store thing.” And during this time, she meets a friend of his, Arthur Boy Capel, who’s a coal mining millionaire. And for a short period of time, the three of them are kind of a triumvirate, but she falls in love with Boy and runs off with Boy to Paris. Dave Young: Okay. Stephen Semple: Now, this is where things are interesting. They create a gentleman’s agreement on finances. Capel finances the business and Balsan provides the location for their previously shared, I don’t know what status we’re talking about, but this is the part of the story I struggled with because on one hand you could look at this and say she couldn’t have done this without these rich men. But we also got to remember the rules at the time were so limiting for women. She couldn’t have signed a lease. She couldn’t have borrowed money at a bank. All of these things were such that that was the only way you could do something like this. Today she would’ve done it on her own. I’m completely convinced of that. Dave Young: Well, and you also have to say they couldn’t have done it without her. Stephen Semple: Absolutely, they couldn’t. Absolutely, they couldn’t. But find sometimes these things can diminish her accomplishments and her accomplishments are absolutely immense. So in 1910, she opens her first store at 21 Rue Cambon in Paris selling hats. But this is what made her hats different. At the time, women’s hats were headache-inducing, large, fuzzy, gauze, feathers, really, unbelievably ornate and hard to wear. You actually had hat pins to keep them on and all this other crap. Her hat’s still large, but they were simple and comfortable. That was her big thing. I want them to be simple and comfortable. Now, location she was in also already had a dressmaker, so she couldn’t make dresses. So she was doing these hats. And then in 1913, she opens a location in Deauville selling dresses. Again, here’s what she did different. Dresses at the time were these heavy corseted affairs. Hard to move in, hard to wear, uncomfortable. She made things that were simple and comfortable. This is what made Chanel so interesting. Simple and comfortable. Rather than being dazzled by aristocracy, she noticed something else. What she noticed is their fashion looked and felt uncomfortable. Huge hats, corsets, heavy dresses. Women may have looked elegant, but they just couldn’t move around. And this observation of hers created the opportunity. She didn’t just build a better product. She built a different philosophy. Most designers at the time were asking this question, “How can I make women look more extravagant?” Chanel asked the question, “How can I make a woman look elegant and feel free?” Dave Young: Okay. Stephen Semple: Which is a different question. Dave Young: It’s a big difference. Stephen Semple: Yeah. It is a big difference. And if you think about it, really what she created was first casual wear. Dave Young: Yeah. Stephen Semple: Right? Dave Young: Yeah. Stephen Semple: That’s really the category that she invented. So her next innovation came in 1913 with the dress store in Deauville where she started using this fabric called Jersey Fabric. Now, it’s a cheap fabric that up to this point had only been used for men’s underwear. But what she liked about it was comfortable. It was flexible. It was light. It was easy to wear. So she found this thing that everyone was dismissing, but she saw a value that no one else saw, and she changed the story around it. She basically, again, invented sportswear using this fabric. Isn’t that incredible? Now, here’s her other big innovation, and I didn’t realize this. She’s the one who invented the idea of the little black dress. Dave Young: Oh, I think I have a glimpse of that in the back of my storehouse of strange facts, but I probably couldn’t have pulled it out. Stephen Semple: Which is incredible how iconic that is. This happened in 1926. So before 1926, early 1920s, black was not considered fashionable for everyday wear. Black clothing was for mourning, was for widows, was for domestic servants, religious dress. That’s what it stood for. And she managed to take black, which let’s face it, no positives there, and made it elegant wear. If you were a wealthy woman at the time attending a social event, you were expected to wear colorful fabrics, elaborate embroidery, beads, lace decorations. Black was considered too plain. But what Chanel saw was after World War I, the world was changing. A middle class was emergent. Women had worked in factories, they were becoming independent, they were driving cars, they were playing sports, they were entering professional life, and their clothing hadn’t caught up. Chanel believed elegance wasn’t about showing wealth, it was more about confidence. So she stripped away everything that was unnecessary. If you think about the real breakthrough moment on this was in October 1926, Vogue published Chanel’s simple black crepe dress, and the magazine called it the Ford of Chanel. Dave Young: The Ford of Chanel. Stephen Semple: The Ford of Chanel. Dave Young: Yeah, like a model piece. Stephen Semple: Because it was simple, it was reliable, it was accessible, it was timeless, and it was suitable for almost everyone. So instead of being this hope couture that only a handful of women could wear, Vogue predicted that this dress would become the universal uniform for stylish women. And they were right. Dave Young: Stay tuned. We’re going to wrap up this story and tell you how to apply this lesson to your business right after this. [Using Stories To Sell] Dave Young: Let’s pick up our story where we left off, and trust me, you haven’t missed a thing. Stephen Semple: Instead of being this hope couture that only a handful of women could wear, Vogue predicted that this dress would become the universal uniform for stylish women. And they were right. Dave Young: I don’t know. I’m no expert on those times, but when I think of other black garb and we talk about funerals and religious orders and things like that, you think of the flowing robes of a nun or the just frilly, lacy, Victorian era, I don’t even know, dresses that you see women in mourning in, right? Widows and things. And they look extremely bulky and hot and folded and frilly and uncomfortable. And she stripped all that away to where it’s just… What it really emphasized is form. Stephen Semple: Yes. Dave Young: And let you accessorize and add accents, right? Stephen Semple: Exactly. Dave Young: You show your arms, that’s like accessorizing the little black dress. And it highlights a piece of jewelry. Stephen Semple: Absolutely. Yeah. So what she removed was the heavy embroidery, the bright colors, all of those things. And social rules. She changed social rules around it. So what’s left? A clean silhouette and this simplicity that shifted the attention from the dress to the woman wearing it, which was a revolutionary concept. Dave Young: Before that, you would identify basically identity by the wearing of black. There’s a nun, there’s someone mourning. Stephen Semple: There’s a woman in mourning. Yeah. But the other thing is it changed the economics of fashion. To your point, Dave, simply change the shoes, the jewelry, the handbag, the scarf, and you change the outfit. And the same dress could be worn lunch, dinner, work, party. Today we call this versatility. Back then, revolutionary. Dave Young: Well, and honestly, in the mind, and we talk about this in our portals and the 12 languages, the mind class, the more you layer on things that. If you’re trying to say mourning, you’re mourning someone. Okay, black, folds, lace, hat, veil, all of the things that you associate with mourning. If you’re trying to say a nun, it would be folds and layers and nothing showing except maybe a little white in the hat or somewhere around the edges. And the more things that you layer on that provide it with the reinforcement of that meaning, the more deeply it’s felt to be understood. So you look at someone that’s wearing all that and you say, “Oh, this is a person that’s in mourning.” And if you strip all those things away and you do something that is different, that makes your head kind of go, “Wait, what’s this?” Instead of being, “Oh, this is a nun.” You say, “Oh, who are you?” You raise interest. You raise interest. Stephen Semple: See, this is what she understood. Oh yeah, but wouldn’t it be so easy to go, you can’t do black because black stands for all these negative things. But what she understood exactly what you’re saying, if I strip away all these things, I’m actually creating a new meaning to this color. I’m actually changing the language it’s speaking, which is so difficult and so amazing and so brilliant on her part. And it’s interesting when you think about she changed the economics of fashion so that essentially what used to happen with elegance is a wealthy woman would own a dozen elaborate dresses. Now, what could happen is a woman of means could have one beautifully designed dress that could do the work of many. So she changed that. You know who else did that when we think about it? If we go back to our early episode of M.M. LaFleur where she looked at fashion and she was a working woman, professional working woman, and she said, “You know what? Fashion doesn’t work for a woman in an office. I need to change the rules. It needs to have a pocket that works, needs to pass the New York taxi test. I can slide out of a taxi with skirt hiking up. I need to be able to bend over and get out a file without Cleavage showing.” But again, changed the rules around fashion. This is what Chanel did. And the interesting thing is luxury used to say the language of all this dress and whatnot was, how much money can I spend? Where the little black dress said, “I don’t have anything to prove.” It threw out a very different signal. It really was a dress innovation. For her, black was grief. After her, black was sophistication. Dave Young: Yeah, and mystery. It’s an intrigue as opposed to, “Well, I get this.” Stephen Semple: She persuaded society to see black differently. How freaking incredible is that? That is remarkable. Dave Young: She did removing most of the black. Stephen Semple: Yes. Yes. Very few people have had that type of cultural influence. So when I was looking at this, I went, “Oh man, she is a remarkable woman to be able to do that.” So when you step back and you think about the hats, the jersey sportswear, the little black dress, they all followed the same pattern. They weren’t three separate innovations. They were three expressions of one insight. And that insight was women wanted to feel free, not dressed. The hats removed the enormous feathers and decorations. The jersey sportswear removed the stiff, restricted fabrics, and the little black dress removed all the unnecessary ornamentation. And she did one other thing to further free women, handbags. She was the first person to add the shoulder strap to a handbag, freeing the hands. Dave Young: All right. I never think of that, but you’re absolutely right. Stephen Semple: The question she was constantly asking is how do I give women more freedom while making them feel even more elegant? That was the philosophy of the company. Dave Young: That’s so cool. Stephen Semple: Yeah. So she became an empire because the hats were successful. The Jersey clothing was successful. Little black dress was successful, all because they proved that same idea. Elegant should never come at the expense of freedom. And that’s the thing she pursued. And when we think about it, at the time, that was even a revolutionary idea. Dave Young: Yeah, absolutely right. Absolutely right. Stephen Semple: It was what we would call a bold idea. A bold, bold idea. Dave Young: I want to watch this movie about Coco Chanel, not the one where she gets. In the ’30s and ’40s, she got caught up with financial problems because everybody in Paris did. The market goes away and she was doing what she needed to do. Leave it at that. Stephen Semple: And that’s it. And there’s all sorts of things around how the ownership will come back and forth. And she left for a while and was brought back. But I decided, you know what? Dave Young: Yeah, that’s not what built her brand. Stephen Semple: And her brilliance was bold. These ideas seem obvious today, but they were bold change ideas that changed the way the world looked at fashion, changed the way the world looked at the color black. And anybody who does that is a remarkable innovator who took this bold idea and ran it out there. Dave Young: I love it. I love it. Thank you for sharing the Coco Chanel story. Stephen Semple: Remarkable woman. Yeah. Dave Young: Next week we’re going to explore the fashion options in the fishing section of Walmart. Maybe we won’t do that. Stephen Semple: People will start thinking you fish. Dave Young: I don’t. No, I absolutely don’t, but I absolutely do. I like fishing shirts. I just do. They’re comfortable. They breathe a little. Stephen Semple: There you go. Dave Young: You’d be surprised. Nevermind. You don’t want to know where to. I’ll tell you anyway, you’d be surprised if you go to the fishing section of Walmart to look for a shirt because you don’t expect to find a colorful, bright, comfortable shirt in the fishing section yet there they are. Stephen Semple: There they are. All right. Awesome. Dave Young: Thank you for bringing Coco Chanel to the Empire Building. Stephen Semple: I don’t know where to go with all this. No, we’re done. We’re done. Stick a fork in it. Thanks, David. Dave Young: See you next time. Thanks for listening to the podcast. Please share us, subscribe on your favorite podcast app, and leave us a big fat juicy five star rating and review at Apple Podcasts. And if you’d like to schedule your own 90-minute Empire Building session, you can do it at empirebuildingprogram.com.

A Is For America It's increasingly clear that nobody has a plan for if this AI thing turns out to be real. Some people have suggestions, but they're all things like "regulate a little more" or "regulate a little less" or "react to things as they come up". This won't be enough. Not just because things may move too quickly - although they will - but because in order to regulate or react, you need to know what you're aiming for, and it's increasingly clear that people can't even visualize what AI going well could look like. What would it take to honestly tell our children that we rose to the occasion, to make the AI transition go down alongside the American Revolution and D-Day as one of our country's finest hours? If your brain sputters and throws an error message at the question, isn't that a problem? It's a total coincidence that Plan A comes out the week after America's 250th birthday. It was supposed to come out earlier, but got delayed. Then it was supposed to come out later, but got pushed forward. Still, the saying goes "A wizard is never late, nor is he early; he arrives exactly when he means to." And if anyone qualifies as wizards, it's Daniel Kokotajlo and his team of forecasters at the AI Futures Project. I previously wrote about Daniel's eerie accuracy over the 2021 - 2025 period. Since then, they've gained worldwide fame for their AI 2027 scenario, which predicted the rise and quick takeover of coding agents in early 2026, plus something like the fight over Fable1. Plan A isn't another prediction. It's a wish list, a positive vision, a road map for navigating the future. It describes the best course of action that Daniel and the AI Futures Project can come up with, and what would happen if we took it. "Really? You got America a policy paper for its 250th birthday? Doesn't America already have enough policy papers?" Sort of, but it's not exactly a policy paper. It starts in a timeline similar to that of AI 2027, on track for a poorly-controlled intelligence explosion that either ends the world or dooms it to permanent techno-oligarchy. But this time, America is blessed with some extra foresight and determination, and makes only good choices (all non-Americans behave naturally, including trying to thwart America when incentivized to do so). It gives a year-by-year description of this best-of-all-possible-worlds, from now through 2040, as predicted by the best AI forecasters alive, with over a dozen supplements explaining all the implementation details. This is a crazy thing to try releasing. Daniel gave me several justifications for doing it anyway, but the one I remember most is that it's supposed to be a floor. When some politician proposes a data center ban, or says that we have to gut safety regulation to compete with China, or promises a job retraining program, think to yourself: does this person have a vision for where all of this ends up? If so, is it as good as Plan A? If not, consider demanding that they do better. I did a lot of writing for AI 2027 and was listed as a co-author. Some of my writing made it into Plan A too, but it was a bit less. The difference is of degree rather than kind, but because of this - and to give me more latitude to discuss it the way I like with less PR blowback - we decided not to put me as a co-author this time. I continue to be proud of having a part in this, small as it may be. (related: everything in this post is my opinion only, and not officially endorsed by the AI Futures Project) https://www.astralcodexten.com/p/introducing-plan-a

Why 88% of Companies Leave Money on the Table with Per Sjöfors   Find Rocky Lalvani @ www.ProfitComesFirst.com  or email him at rocky@profitcomesfirst.com Make more, work less video: https://youtu.be/   You ran the math on a price increase once. It worked on paper. You still didn't pull the trigger. That hesitation is not a character flaw, and you are not the only owner who has frozen at that exact spot. Per Sjöfors, the Price Whisperer, has spent decades studying why owners who clearly should raise prices behaviorally cannot, and what it costs them every month they wait. In this episode of Profit Answer Man, Per and Rocky get into the behavioral science underneath pricing: why eighty-eight percent of companies leave money on the table, why a small discount does far more damage than owners realize, and how to stop letting a random competitor or a nervous sales rep set your prices for you.   In This Episode: The McKinsey data: why a one percent price increase can produce a six to twenty-one percent profit jump The brutal discount math: discount five percent on a thin margin and you have to double your sales volume to stand still Why you should pay salespeople on gross profit, not revenue The "paradox of price": raising price, volume, and customer satisfaction at the same time How excellent customer service becomes a pricing lever (the Apple support example) The three-tier product method: unique, in-between, and commodity, each priced differently Why AI can analyze your old prices but cannot tell you what to charge tomorrow   Key Takeaways: The flinch is behavioral, not financial. You already know the number. Fixing the behavior is the work. Discounting is more expensive than you think. On a ten to eleven percent margin, a five percent discount forces you to double volume for the same dollars. Pay your sales team on margin so protecting profit is their job, not yours alone. Sort your products into unique, in-between, and commodity, then price each on its own logic. This alone can double a company's margin. AI is backward-looking. It is useful for analyzing history, useless for setting tomorrow's price.   About Per Sjöfors: Per Sjöfors, also known as The Price Whisperer®, is a distinguished American and Swedish national renowned for his expertise in pricing strategy. He is the best-selling author of "A Holistic Approach to Pricing Power" and serves as a member and thought leader at the Forbes Business Council and the C-Suite Hero Club. Recently, Per Sjöfors was recognized as one of the "10 Most Visionary Leaders Making a Difference in 2025" by Inc. Magazine and was also named among the "Top 50 Global Thought Leaders in Sales" by Thinkers360. Notably, CEO View Magazine honored his company, Sjofors & Partners, as one of the Top 50 Most Innovative Companies in 2025. As a prominent public figure, Per Sjöfors frequently appears on podcasts and business radio shows, often providing insightful commentary and quotes in the press. His expertise is widely recognized by publications such as Forbes, Fortune Magazine, Inc. Magazine, Industry Week, Business Insider, and the Financial Times. Per Sjöfors's teaching philosophy centers around empowering executives to propel their companies forward through the application of behavioral science specifically tailored to pricing and go-to-market strategies. His company, Sjofors & Partners, offers intensely practical advice that consistently leads to a doubling of sales growth and a 25% to 40% increase in margins. By providing the necessary growth resources, Per Sjöfors enables companies to reach new heights. Prior to founding Sjofors & Partners, Per Sjöfors dedicated 35 years to executive management, primarily as CEO. During his tenure, he successfully grew companies from inception to eight- and nine-figure revenue in four countries (the United States, the United Kingdom, Switzerland, and Sweden). Additionally, he organized joint venture firms in three other countries (Japan, Taiwan, and Korea) and engaged in business operations across more than forty nations. Further details can be found on their website at https://sjofors.com.   Links: https://www.persjofors.com/ Previous Ep 137 The Price Whisperer, A Holistic Approach to Pricing Power with Per Sjöfors: https://youtu.be/Wvkaslsnepo    Profit Blueprint Calculator I Profit Comes First: https://lp.profitcomesfirst.com/profitblueprintcalc-page   Watch the full episode on YouTube: https://www.youtube.com/@profitanswerman Sign up to be notified when the next cohort of the Profit First Experience Course is available! Free Copy of the Profit Blueprint Book: https://lp.profitcomesfirst.com/landing-page-page  Monthly Newsletter signup: https://lp.profitcomesfirst.com/newsletter-signup Relay Bank (affiliate link): https://relayfi.com/?referralcode=profitcomesfirst Profit Answer Man Facebook group: https://www.facebook.com/groups/profitanswerman/ My podcast about living a richer more meaningful life: http://richersoul.com/ Music provided by Junan from Junan Podcast Any financial advice is for educational purposes only and you should consult with an expert for your specific needs.       

With the Dow Jones reaching a new record high and a "whiplash" of market swings this summer, Erin Gibbs joins Diane King Hall to provide her latest market commentary. She "loves this earnings season so far" but says geopolitical headlines impacting crude oil prices could elevate inflation's impact. Later, Erin makes the case for a few stocks including Antero Resources (AR), Zeta Global (ZETA) and Five Below (FIVE).======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Keith is joined by Jim Sheils, a seasoned real estate investor and builder who specializes in new construction and co-living properties.  Together they explore why traditional long-term rentals are struggling to cash flow and how co-living—renting individual rooms in purpose-built homes—can dramatically boost returns.  Jim breaks down how the model works, who the typical tenants are, and why platforms like PadSplit are essential for management, compliance, and steady occupancy.  Their discussion highlights how co-living can simultaneously address the affordable housing shortage and today's "cash flow crisis" for real estate investors. Episode Page: GetRichEducation.com/617 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host Keith Weinhold. For the first time ever on the show, we're talking about what some call the greatest real estate cash flow strategy today: co-living. Learn about what it is, what it is not, the pitfalls to avoid, and just how terrifically profitable co-living property can be today on Get Rich Education. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Caeli Ridge. While it's on your mind, start at ridgelendinggroup.com. That's ridgelendinggroup.com.    Speaker 1  0:59   You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Keith Weinhold  1:15   Welcome to GRE from Dover, Idaho, to Dover, Delaware, and across 188 world nations. You're inside Get Rich Education nation. I'm your host Keith Weinhold. For about five years now, it's been harder to make the cash flow numbers work on long-term rentals, and that's because sure rents are up, but not as much as expenses are, and that's why for your regular income properties, builders buy down your mortgage rate for you so that it works. But now enter co-living properties, and your cash flow can be multiples higher. In fact, today we're going to talk about a model that has seven times the cash flow of a regular long-term rental, for example, instead of renting a detached single-family home to one family, if instead you divide it up into six bedrooms and rent each one of the six bedrooms to an individual, you will drive substantially more income. You've got six rent checks instead of one. That's what a co-living property is in general, and you're usually renting it to tenants that are working a lot. They're away from the property. It's often run through pad split. You'll learn more about what that means. And though co-living is lucrative, you still need the right market, the right layout, the management, which is really key here, and the right operating model. Today, we'll talk to a GRE Marketplace operator that provides co-living properties to investors like us with a management solution. And as you'll see, it gets even better than that. Although they serve just one geographic area in the U.S. which happens to be an investor advantaged area, as you'll see, this is conducive to out of state investors. If you want to own there, we're talking about co living income property today. Next week, there's something vital I want to tell you about, and I can't wait to do that. It's about the way that I talk when I meet a 25-year-old, and I learn that their only source of income is as an employee at a job. And no matter what age you are, what I'm going to share with you is going to apply to you too, and it's pretty transformative. That's next week here on the show. As for today, let's learn about co living. Jim Shields is here. Jim, welcome back to the show.   Jim Sheils  3:56   Keith, good to be here. Thanks for having me.   Keith Weinhold  3:58   Well, Jim, we saw each other in person a few months ago at a conference. I wanted to have you back here today to discuss co living since you're involved in it and you help other investors learn about it. And now you even started providing properties for co living specifically for them. And you know, Jim, with co living, I have seen models in the past where, oh, a single-family home it might be retrofitted, renovated to say have six bedrooms and three bathrooms, and that way you, as the owner, you could rent it to six tenants, really who are each only renting a room rather than renting the whole place to one family. In this way, tenants get cheaper rent because they're only renting one bedroom, and then for the owner, this gives them stronger cash flow because they're renting it to six different parties and not just one. So, with affordable housing really being a struggle for so many, you know, co-living is. Really taking off. So tell us more about what co living is and what it isn't, Jim.   Jim Sheils  5:05   Yeah, co living was something that was brought to us by one of the owners of Pad Split. Actually, they had met me and worked with me on other new construction projects, and and kind of my evolution, as you know, Keith was I I went from doing a ton of fixer uppers for many of years to new construction, and both can get you where you want to go. But I like new constructions. But meeting some of the owners of PadSplits, I found that they were starting to have the same struggles that I was when I was rehabbing a lot of homes. You know, it's not easy to take a three bedroom or four bedroom home and turn it into an eight bedroom or a seven bedroom, and so you know, starting from scratch with new construction, we're able to set up for what they're trying to create, and what they're really trying to create with co living is that affordable housing crisis. There's a lot more single individuals out there not looking for you know whole, not needing whole family dwellings to live. They're more at a basic income level that you know keeps them quite a bit below being able to rent. Like here in Jacksonville, the average price of a one-bedroom apartment is just outside of their qualifying range. So they might have a good job and decent credit, but they can't qualify. So what we've seen co-living do, and again, working through our our management partner of Padsplit, is they are bringing in this system of putting people together in one home, still with the screening, still with certain amenities that you know really help the property get seen, wanted, and rented, and then certain managerial things, where you're providing good options for living in areas that need more affordable living, and for landlord investors like ourselves, you're providing now a new opportunity to beat what I've called the cash flow crisis. You know, we have an affordability crisis, but that's also created a cash flow crisis, Keith. As you know, and the numbers that we've been able to see are quite advantageous for both the renter for the amount they pay and for the owner for the amount they're going to cash flow. And that's what I'm seeing this new co-living movement is about. It's really landlords taking a new risk on a certain type of property and tenants getting a type of property that fits their income and their needs.   Keith Weinhold  7:27   You know, Jim, philosophically, I'm thinking about assisted living homes, and when society changed sometime last century, assisted living homes became more of a trend where a lot of times that's where the elderly people went. Now we have co-living, and you kind of wish the world would be a place like where you know someone freshly out of high school or college could be married and have children, and you know just one or two jobs could float and support that family, and they would be able to afford their own home, either to own or rent. But increasingly, that's just not the world that we're living in. It hearkens back to multi-time GRE guest and legendary investor Jim Rogers. To paraphrase Jim Rogers, Jim Rogers said, "I need to invest in the world with the way that it is, not the way that I want the world to be. That's one thought that keeps coming to mind with co-living.   Jim Sheils  8:29   Yeah, for me too. Honestly, Keith, when I first heard about co-living, it was a few years ago. Someone saw me speak at a mutual event similar to one we last saw each other at. I got off stage, and they came up to me and they mentioned to me we're doing these things called co-living.   Keith Weinhold  8:44   Yeah.   Jim Sheils  8:44   And I was kind of blinded. I was looking backwards instead of forwards, and I said, "Oh, that doesn't sound right. That doesn't sound like it could work, you know. And I had a lot of what ifs, and how do you handle this? Well, you know, as the niches really started to solidify and show real wind at its back, all those questions and doubts I had have been answered, and I've kind of become a believer in why it's working and also the results. You know, for us, build right, finance right, manage right. That's always been our model. That's what's going to help us and our investors succeed. Building it right and managing it right. We had to figure out, but figuring that out-that's key. And it's very cool to see investors today breaking the norms of saying, "Well, you know, we can't have cash flow anymore on a nice new construction property in a growth market like Jacksonville, Florida. You can't have good cash flow. Well, that's just not true with co living coming on because again you're answering the call of a forgotten tenant and their needs.   Keith Weinhold  9:46   Yeah, I just think for any thoughtful investor, it's got to give them pause. But this is where society has gone. Well, we're going to talk about how profitable co living is for investors later. But first, tell us more about the nuts and bolts of how co.   Jim Sheils  10:01   Yeah. So the way that it works is, first of all, you start, you know, again going with our model, build right, finance right, manage right, building it right. When you're starting with new construction, you're able to go into the property with all eyes open, without a lot of surprises, and you're able to build it right to the design that a co-living property of success would entail. You know, we're doing seven bedrooms, seven baths. We're doing 14 bedrooms, 14 baths. We're doing 20 bedrooms, 20 baths. These are all things that we worked with the owners of Padsplit as they've worked and researched areas all over the country, starting here in Northeast Florida. But what we're doing, we figured out exactly what type of build you do you need to do that's going to work? Smaller living areas. There's only one utility box. There's not you know multiple utilities. It's not a multi-unit building. So there's one utility box. You build it to that specimen of either we build anywhere from seven bedroom, seven baths, right up to 20 bedroom, 20 baths, and that's the build part. That way, you're getting into it and not having to, you know, kind of. It's really tough, Keith. I don't need to tell you with your experience to turn a smaller house into that bigger house and starting from scratch with new constructions. Great. The second thing we found was finance. Right, as you know, we do our own in-house financing. Well, a lot of the co-living since the banks didn't understand it. Just like you know, it's become a newer niche. They were locking in at 8% You know, with our in-house financing, we were able to get deals down to five and a half percent. So right there, that helps with the rate, the long-term rate, the cash flow, and then management. Again, we've managed 1000s of properties, but we've really teamed up with PadSplit to help us manage these. This is what they specialize in, not only for attracting investors into their organization, but also for managing the properties and screening the tenants, getting them in, and their management system combined with our Build Right Finance Right has been a great combination.   Keith Weinhold  11:57   Pad Split, somewhat of a platform like Airbnb, but it's for co-living type properties. We'll talk more about pad split shortly. But yes, you are making these more efficient for co-living because right from the beginning, you are building them new construction specifically for co-living type of arrangements, rather than that six-bed, three-bath retrofit example I brought up near the beginning of our chat, but tell us more about who actually lives in co-living homes. What's the tenant profile like?   Jim Sheils  12:29   Yeah, let's go to the opposite end. When I first heard about this years ago, Keith, I said, "Oh my gosh, this is going to be really unqualified, seedy people not working, getting into trouble, and that's just not true. Again, a lot of these people are hardworking, but they can't afford the $1395 for a one bedroom apartment, but they can afford an $825 a month room. And a lot of these people might be working at a local warehouse, at a hospital. They're very localized, blue collar, or some in training jobs, you know, extra five $600 a month makes all the difference. Where it's not going out to rent, not even including utilities, it gives them a nice place to live. So it's really entry level replaceable income people, maybe single people that work at a nearby restaurant. But again, they're trying to save more money in their pocket and not spend it on that higher expense, which the competition would be a one-bedroom apartment.   Keith Weinhold  13:31   Now, the tenancy durations here are shorter than what you're going to have in long-term rentals, of course, because one part of what you do, Jim, is for years you have helped GRE followers with build-to-rent long-term rentals. The resident does get more. They're going to get a furnished room with utilities in co-living arrangements, and they're also probably going to have their utilities bundled as well. So tell us about the typical tenancy duration, and then what all the resident gets.   Jim Sheils  14:00   Yeah. So the residency is going to receive all the things that they have to be turnkey. That's the bed, the desk, the dresser, the closet, the bathroom. Everything is set up there for them, and so they just move in. They're not going to have to pay for electric or water or internet. All that stuff's going to be included. There's a washer dryer normally there. Sometimes they're coin operated, other times they're just included, but that way they're not trying to take out a utility in their name or set up internet. Also, for the investor, that's a good thing because you have one master lease. If you start to do a bunch of leases, well, you could get in trouble with the rules of your community, probably of having multiple leases on one property. It's not a multi-unit building, so you can't do that. So one master lease with one utility and all utilities included allows you to do that. This makes it very easy to move in and out. And the average Tennessee might only be six months, but again, the way that it's set up, what we like about PadSplit is they. Have a very good marketing and screening process, so they're constantly marketing and screening to people in the area, and then they have their own private community with investors. So we'll build it and finance it. Our people will move over to their community for management, so the owners can speak together, and then the tenants, though they're coming through pad split system, and so what I like about that is if they try to not treat the property well, well, they're not allowed back into any pad split properties anywhere within the city. So that's really good for co living protection. So we just see that turnkey approach, and you know you've been preaching turnkey real estate for a long time. Yeah, this is a turnkey room where they're able to move in, they're able to move out easily. They can transfer to another co-living property, and by doing that, you can get people in and out very quickly, which keeps the vacancies low, even with shorter tenancy.   Keith Weinhold  15:57   All right, so an average tenancy duration of about six months, and for you, the prospective investor, as you're trying to understand co-living, maybe think of it as like when you check into a hotel. Co-living residents stay longer than you stay in a hotel, but as far as all the utilities are in the room combined, all into one charge with your WiFi, your water, your electricity, your natural gas, and the room is already furnished. Just one all-inclusive payment, making it easier for that co-living tenant. And Jim, you've been talking about pad split, where you're partnering directly with them, and that's the management part of this. Of course, this is more management intensive than a long-term rental. So, tell us more about Pad Split and how it works. Sort of like an Airbnb platform, but yet for longer-term, affordable room rentals that has the property management infrastructure somewhat already built into Pad Split.   Jim Sheils  16:56   Yeah, I think your comparison to Airbnb is very accurate, Keith. But it's more of a community for both tenants and investors. Airbnb, you know, I have short-term rentals and I use Airbnb. But what I've seen with Padsplit, which I think they've done a good job with, it has a community feel sharing for the investors who are a part of the Padsplit community, and so there's extra communication on your management, how properties are going, what areas are doing that. You know, great source of communication on the ongoing management. But for the tenants too, they know right where to go to find these types of properties, and the tenants also have to join this community. So there's a joining where if you want to rent a pad split, they have to join the community. They have to go through all the approvals and such, so that's pretty much how it's set up. It's seen to be very effective. Again, what held me back from this probably for about two years, Keith, was the management piece. You know, we've always managed our properties. I said, well, this is not our niche. Just like we don't manage short-term rentals, we only rent manage long-term rentals, and so I really had to watch and survey a lot of the existing investors and how they were doing, but it's nice to see someone with a good managerial system for both the tenants and the investors to work together in.   Keith Weinhold  18:12   Does PadSplit handle everything like marketing and tenant screening and rent collection?   Jim Sheils  18:19   So what they handle is the way that pad split works, like here in Jacksonville, where's our main market where we've started building co living properties. Is they will work hand in hand like an Airbnb, but underneath them they'll have preferred property managers that they'll work hand in hand. It so they'll handle certain things of the marketing, the tenant screening, and then some more of the mechanical PM pieces, the property management pieces. There'll be an assigned property manager that the client will be working with, the investor will be working with, and the tenant will be working with. So it's kind of a two-tiered approach. Like right now, my I'll use Airbnb, but I have a property manager for my short-term rentals. Same thing here, but we actually have the preferred management list and approvals through Padsplit.   Keith Weinhold  19:06   Okay, so much of this is handled through Pad Split, but not everything. There's a second tier where they partner with local property managers in that area to, for example, help with tenant turns or help with maintenance requests.   Jim Sheils  19:20   Yep, absolutely, absolutely.   Keith Weinhold  19:23   Now, short-term rental hosts are used to Airbnb fees. What are Pad Split fees like?   Jim Sheils  19:29   There's a monthly fee for belonging to PadSplit to keep your property occupied in there, and I don't remember exactly what it is for the tenants, but I know that they keep it affordable. So overall, you're going to be paying a little bit less than an Airbnb property that you would for you know if you use Airbnb and use a short-term property manager, it can be quite expensive. We've seen the pad splits come in below that and still achieve the goals of a good short-term rental. You know we're seeing. I know we're getting into this later, but taking those fees out and doing quite a bit of contingency because of the move and move outs, we were still seeing like a seven bedroom, seven bath based around the same price of one of our single family homes. The cash flow can be about seven times higher. Wow, on that thing, so it it really does answer the call for higher cash flow by bringing that more affordable rental in.   Keith Weinhold  20:25   We're going to talk more about just how profitable it is for investors, and more about co living somewhat nascent model, a model that's actually been around for quite a while, but it's really gaining traction in making things more affordable for tenants and making things more profitable for investors, we're back with more shortly. I'm your host Keith Weinhold. This is Get Rich Education. Flock Homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721 exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now, mom and pop landlords can 721 the residential real estate request your initial valuation. See if your properties qualify at flockhomes.com/gre. That's flockehomes.com/gre. 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Listen to Get Rich Education with Keith Weinhold, and don't quit your daydream. Welcome back to Get Research Education. I'm your host Keith Weinhold. We're talking about co-living, specifically how smart it is to get this right from the beginning and build a new construction single-family home, or something that could be larger than a single-family home with seven bedrooms, seven bathrooms, or 14 and 14, or 20 and 20, and when we think about this gym physically, the footprint. What is parking like at a seven-bedroom home or larger? And did this entail any zoning hurdles?   Jim Sheils  23:15   A couple of things. It can entail zoning hurdles, so I would make sure, especially if you're doing new construction, you have someone who is a builder in the area that knows how to work with the county department or city department of how to get these approved. That's a very important things for how you submit them and how you make sure you're staying compliant. I think compliance is very important, obviously, for a rental and and parking. What we've seen right now is we look for about 50% So when I say 50% of bedrooms, so a seven-bedroom house, we're going to have three or four parking sites. There's a large majority of people that don't have a car, and that's why a lot of these are built near public transportation. But we still try to always serve, you know, based off of what we saw, the needs to stay in compliance, also working with Pad Split on lots of their designs. 50% of parking spots is usually good for the amount of bedrooms that you have.   Keith Weinhold  24:08   What about zoning hurdles? What had to be met there?   Jim Sheils  24:12   It's going to be a trial and error for a new builder or a person who's rehabbing a property. You know, we were not the first to come in and do this, we had watched Pad Split do it for two years and more with rehab properties, but just starting new construction, we knew Northeast Florida and what needs to be done very well, and so it's all in how you present it. Again, if you go in there with multiple utility boxes and such, you're going to be in quite an issue. So we found that we didn't have any issue with that. Also, we own some of these in some of our quad communities, so these were for larger. You know, you've worked with our quads before; they're yeah, you know, larger buildings. Well, we've been able to turn those into, for example, 20 bedroom, 20 baths, and so they operate like a small. Building, but they're in our quad communities where we wrote the HOA, and so they're allowed. And there's a plethora of parking there, so that keeps us in compliance. So really, compliance is knowing what your local city or county is going to require and knowing how to get that approved. That's very important.   Keith Weinhold  25:18   Okay, so these can thrive in sort of duplex and fourplex type neighborhoods. That's where they're being built, and you have a good bit of control over that with you having your own de facto HOA there as well. And Jim, I looked at several of the co-living properties and the footprints and the floor plans, and you know I was really encouraged to learn that really the cost for one of these brand new build seven bath seven bed co living properties really isn't that much more than a regular single family home designed for one family. So talk to us about the pricing.   Jim Sheils  25:57   Yeah, in Jacksonville, for example, seven bedroom seven baths, going between 325 and 345, which is very similar to single-family homes. And then our pricing for our quads, like a 2020, would be in the low nine hundreds, and that's the same as a quad as well. So we've been able to match our pricing to, and we have duplex ones. The 1414 would be mid five hundreds, which would be about the same as a Jacksonville duplex. So you know, I'm going off Jacksonville pricing right now, just as a sample. Sure. Okay.   Keith Weinhold  26:30   The model I looked at was seven bed, seven bath. It had two stories. The price was 325k, and it had 1800 66 square feet. Talk to us about just how profitable that it is for an investor on a pro forma income and expenses basis, Jim.   Jim Sheils  26:49   From what I've seen is if the average single family home was bringing in about $3,500, and that's a net on the year. So we're saying net, you know, cash flow on the year. Let's say it was about $3,500 on the year of a single family home that you bought. Well, your pad split property would be more closer to about 25,000 for the year. Wow! So that's a big jump. Now, with that comes a lot more rent collected, Keith. But also, and again, we can't do it here, but on the performa, there's more expenses because you have pad split. You have just very similar again. I think your analogy of a short-term rental for anyone who owns those very similar. There's more components. There's more pieces to it. There's more management. But what I did like about the performas that were first brought to us, large amount of rent collected, but also a large amount of contingency and expenses calculated in to get that number. So those are what I liked again seeing these is there's a lot of expense taken out to still reach that you know higher cash flow, but you know it's something that you will want to account for as well. You know what keeps people safe? Do your numbers. Do your numbers real. You know talk to people who have owned co-living properties, make sure that you're accounting for the extra expenses of tenants turning over more and and just more management involvement.   Keith Weinhold  28:10   Okay, so on that comparison where you likened it to a long-term rental versus this model, it's about $25,000 of annual cash flow, which is about $2,000 of monthly cash flow, and was that for the seven bed, seven bath model?   Jim Sheils  28:26   Yeah, and it would go up from there for the larger models.   Keith Weinhold  28:29   Yeah. Now, are tenants paying in advance by the week or by the month, or how does that work?   Jim Sheils  28:34   That's a key thing. They pay by the week, which I didn't realize how important that was for affordability and staying current on your rents, but from the things that I've been shown on working with Padsplit, they showed that when they charge people by the week, it's much more affordable. A lot of these people are paid weekly, so it really keeps them in good rhythm, and so they go on a weekly process.   Keith Weinhold  28:57   And is this just as conducive to out of area investors like long term turnkey rentals are?   Jim Sheils  29:03   Yeah. Well, that's why you always want to build right, finance right, manage right. You have lots of great connections. You can find a great builder that's willing to build them. You get good financing and then good management. So you don't have to live in the area, but you want to make sure someone is taking care of that for you. Again, I am going to say I know some people like to manage their own properties from afar. That can work with long-term rentals. I've done it with a few of mine when I left California and came here. From what I've seen, though, for co-living, the involvement-if you are from out of area-I would highly, highly recommend that you follow a manager process and work with a manager.   Keith Weinhold  29:43   Meaning that you would use one of PadSplits recommended managers.   Jim Sheils  29:47   I would use PadSplit with one of the preferred managers that we know well, and actually one of the managers that they highly recommend worked for our company for five years, and she's great. And for what we're. Doing, I can put a stamp of approval on it, and again, I think just seeing the involvement, these can work really well. But you want to have just like any time, but even more importantly, on these ones, you want to have management in place, especially if you're afar.   Keith Weinhold  30:14   Sure. So, what could the involvement realistically look like, Jim, if that out-of-state investor is using Pad Split and using Pad Split's recommended manager. What might that investor have to do remotely? And maybe that's just on an email basis.   Jim Sheils  30:32   You know, a lot can be done by email. Again, Keith, our goal-I don't think you should be spending more than two hours a month on managing your property manager. So again, just because there's more involvement, what I like is it doesn't mean there's more involvement for you. You're paying someone to set that up to handle it. You'll have to be involved somewhat. You are a property owner, but again, I don't see that you have to get involved with every little thing. In fact, I like to step back and not get too involved in my properties. I find like I just kind of go and stir things up. Let my manager do their thing. I'll manage certain big picture managerial things and in communication and overall just directionals. But you should not be getting overly involved. That's what their job is. You should not be doing that.   Keith Weinhold  31:18   Now I'm a turnkey real estate investor myself, as you know, with multiple properties in various states and places, and I'm used to getting monthly emails from my manager in those markets, and that is what my owner statement looks like: income and expenses and anything that's going on with the property. But that's just on a monthly basis. Are there weekly statements for co-living managers and owners?   Jim Sheils  31:42   Still rents are collected weekly, but statements still come out monthly.   Keith Weinhold  31:46   Because—   Jim Sheils  31:47   You want to, what you do is you collect all of the rents, but then again, it's easier to reconcile with all expenses and such that come out on a monthly basis. So it's done monthly.   Keith Weinhold  31:58   Are they writing common mistakes to avoid that are developing in the space, like an investor that gets in and buys their first co living property, and then they think, "Oh gosh, I wish I would have known about this thing sooner that I didn't think about because I'm only used to long term rentals. Any common mistakes to avoid pitfalls like that with co living, Jim?   Jim Sheils  32:17   Yeah, a couple of things. First, again, I can't stress enough that co living, from what I've seen and experienced, they do make money. But on the build it right, you know, going back to our build right, finance right, manage right. Just know if you're going to try one your on your own and you want to convert a home that's three bedrooms into a seven bedrooms, it is a much more tedious, involved process. Where again. Keith, like you said, are you getting things approved with the county or city? Just know that you really want to be in the know, and that's going to take some involvement. So that's my warning on if you're going to use co living and rehab your own property, financing wise. The thing that the mistakes I've seen made is people didn't see that they had higher interest rates, so you want to do that in your numbers. You know, working like with us, we're we have our own in-house financing. We're able to get it down to five and a half percent, but some of these co living banks are looking at it differently, and you might be more around 8% So you want to just do that in your numbers, and then the third pitfall, which we've you know hit on, and this is one of your real foundational rules: is management is key. And on these, where I see the biggest harm, once you get it built right and financed right, it could all fall apart if you don't have management in place. So I would just be you know some of you do it yourselfers. I have some things that I like to do it myself too, but on a more technical type of property like this, I highly encourage you get management in place to do their thing.   Keith Weinhold  33:47   For sure, it is easy to make the case that the management is even more important than the property itself. One of the things that I like about what you do there, Jim, is you're so forward-thinking and you are so into making the experience as turnkey for that investor as it can possibly be, and one of those things is as you rolled this out, you had a lot of the financing hurdles rolled out right with it. Tell us more about those in-house financing options you have that you touched on specifically for co-living, and especially I'm thinking through the lens of like that seven bed, seven bath, 325k co-living property that I saw.   Jim Sheils  34:28   Yeah, I mean it's nice with getting to be a builder of our size with a really good balance sheet. We're able to work with banks and buy large tranches of money or slate large tranches of money at cheaper rates than available to the public. You know, for our normal long-term rentals, we can get down to 3.75. That's for normal houses. You can't get that low because of risk factor. Banks still they like working with us, but we have gotten it down to five and a half percent. So right now, our most popular program is a 30-year fixed five and a half percent for co. You know, and again, a lot of people that have come to have said, "Holy moly, we were locked in at 8.15. We are getting it not as low as our lowest rate, but at a really good rate now. You know, below what's normally offered out there. So that's normal qualifying that you would have to do with any bank loan through us. And our counselors are happy to talk more about that. That's our most popular program for the co living for the seven seven. You're looking at a five and a half percent interest rate, 20 to 25% down. That is a super attractive rate. Is that something that the home builder helps participate in buying down discount points, or that the buyer is asked to do in order to get down to that rate? Working with us, well, it could go either way out in the marketplace, Keith. When working with us, we pay all of those required fees and points to get the lower rate. That's on us, not on the buyer.   Keith Weinhold  35:50   All right, we're talking about co-living properties today-a way to supercharge your cash flow. This is one of the greatest cash flow strategies in all of residential real estate today, Jim. Is there any last thing you have to tell us about co-living? Perhaps something that I did not think about asking you that I should have.   Jim Sheils  36:09   I think that's probably just what you and I talked about, like what Jim Rogers said. It's how not how I want things, but how things are. Yeah. And so for me, I held back for a few years, even when some of the founders right here in my own backyard have pad split to team up with, but I think that I couldn't picture Keith 10 years ago having a short term rental and like wait a minute I'm going to have them stay there every week and I'm going to have to furnish it you know is from the old guy doing long term rentals so I think for people just read up on it it's becoming a very interesting trend there's some very interesting statistics of why this is working, how management can be handled effectively, how to stay in compliance with your city. There's a lot of good information. This is a great starting point to our conversation today, but I don't think this niche should be ignored because the track record is already there and it is answering a need of both investors and tenants, which is pretty cool.   Keith Weinhold  37:04   It has been super intriguing to learn more about this. Jim represents one of our GRE Marketplace providers. It's been great having you back on the show.   Jim Sheils  37:13   Now, thanks for having me, Keith.   Keith Weinhold  37:20   Yeah, a really informative episode today. If you want to learn more about co-living properties, you can do so at gremarketplace.com/co-living. That's where you'll get the investment report, floor plans, financial projections, see the exact pricing, and learn more about pad split there. I've been around this space for a while, and I know investors that own co-living properties. Some other best practices that I've learned about are that you want to have limited visitation or a zero visitation policy for your co-living tenants. As we touched on, these properties can really make money, but don't try to manage them remotely. Make the house rules unusually specific. Address guests, quiet hours, smoking, drugs, pets, parking, food storage, shared bathrooms, thermostat settings, and cleaning and abandoned belongings, and enforce the rules consistently and quickly. Because one disruptive resident can cause several good residents to leave, and in co-living, retaining household harmony that is often more valuable than retaining one problem tenant. Provide professional common area cleaning. Don't expect seven or 14 unrelated adults to collectively develop some passion for wiping down the stove. That is not going to happen. Shared areas should be cleaned at least weekly. Install bedroom locks and then smart exterior locks. Give each resident private space, eliminate shared keys, and immediately revoke keys after move out. Cameras they should generally be limited to lawful exterior and entry locations, not in private spaces. Provide excellent internet in co-living, unreliable WiFi. That is practically a habitability crisis. Use business-grade equipment, strong coverage, and have a backup plan for internet. And as an investor, it's wise for you to maintain a larger repair and turnover reserve than you would for a normal long-term rental. Keep these things in mind, and it can keep seven times the cash flow from becoming seven times the headache. Again, you can get the investment report, floor plans for the very properties we discussed today, financial projections, pricing, and get more information about pad split all at. gremarketplace.com/co-living. That's gremarketplace.com/coliving. Until next week, I'm your host Keith Weinhold. Don't quit your daydream.   Speaker 1  40:15   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 are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.   Keith Weinhold  40:43   The preceding program was brought to you by your home for wealth building getricheduceducation.com

Baked Mojack Cod au gratin! . . . YOU DON'T KNOW MOJACK is a podcast dedicated to exploring the entire SST catalogue, in order, from start to finish. During the podcast we will discuss all the releases that are part of our core DNA, as well as many lesser-known releases that deserve a second chance, or releases that we are discovering for the very first time (we actually don't know Mojack!). First and foremost we are fans, and acknowledge that we are not perfect and don't know everything – sometimes the discussion is more about a time, place, feeling, personal experience or random tangents, and less about the facts (but we will try to get to the facts too). Facebook: www.facebook.com/mojackpod/ Twitter: @mojackpod Instagram: www.instagram.com/mojackpod/ Blog: www.mojackpod.com/ Tumblr: www.tumblr.com/blog/mojackpod Theme Song: Shockflesh

Plongez dans l'histoire des grands personnages et des évènements marquants qui ont façonné notre monde ! Avec enthousiasme et talent, Franck Ferrand vous révèle les coulisses de l'histoire avec un grand H, entre mystères, secrets et épisodes méconnus : un cadeau pour les amoureux du passé, de la préhistoire à l'histoire contemporaine.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Sony says its reserved enough memory for all those PS5s it plans to sell this year with the release of GTA 6, and CipherX sells a mail-order permanent tattoo technology that's pain free and pretty cheap.Starring Jason Howell and Jenn Cutter Show notes found here. Hosted on Acast. See acast.com/privacy for more information.

This week Matty and Brad discuss Halo: Campaign Evolved, Splatoon Raiders, Matty's Favorite OG Xbox games and more! Timestamps: Please keep in mind that our timestamps are approximate, and will often be slightly off due to dynamic ad placement. 0:07 - Intro20:46 - Xbox ranking1:33:13 - Halo: Campaign Evolved/The Master Chief Collection2:18:32 - Sort it Out2:29:37 - Keep it Up2:49:04 - Game Recommendation2:52:22 - Splatoon Raiders3:07:37 - Desktop Explorer3:20:42 - Closing Questions To watch the podcast on YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/LastStandMediaYouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Don't forget to subscribe to the podcast for free wherever you're listening or by using this link: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/SummonSign⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ If you like the show, telling a friend about it would be amazing! You can text, email, Tweet, or send this link to a friend: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/SummonSign⁠⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices