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Keith discusses the mortgage landscape, emphasizing the benefits of cash-out refinances with Ridge Lending Group President, Caeli Ridge. They unpack the Trump administration's plan to privatize Fannie Mae and Freddie Mac, which could impact the mortgage market. Investors are discovering powerful strategies to leverage property equity and optimize their financial portfolios. By understanding innovative borrowing techniques, savvy real estate investors can access tax-efficient capital and create sustainable wealth-building opportunities. Consider working with a lender that specializes in investor-focused loan products and provides comprehensive education on the options available.  Resources: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/554 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.  You get paid first: Text FAMILY to 66866 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— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, we're talking about the mortgage loan landscape in this era. Is title insurance a rip off today? Is it worth it for you to pay discount points at the closing table to get a lower interest rate? Learn about how a cash out refinance. Is your ability to borrow tax free, much like a billionaire does, and what are the dramatic changes that the current administration could take to alter the mortgage environment for years, all today on get rich education.    Speaker 1  0:34   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, who delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  1:20   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  1:36   Welcome to GRE from Liverpool, England to Livermore, California and across 188 nations worldwide. I'm Keith Weinhold, and you are listening to get rich education, the voice of real estate. Since 2014 it's been estimated that there are about 800 billionaires in USA, and hey, you might be one of them, but there's a pretty good chance that you aren't well. When it comes to lending and mortgages, you can actually take a page out of a billionaires playbook and do something very much like what they do whenever you perform a cash out refinance if you've got dead equity in a property, and you can borrow against your own home to a greater extent than you can against your rental properties, even either one of those is a tax free event, you've now got tax free cash, and you can use that money on anything from investing it in the stock market To using your proceeds for a down payment on more real estate or buying a boat or going to Disneyland, and you didn't have to relinquish your asset at all. You continue to hold on to the asset. Now, the mechanics are somewhat different, sure, but when you do a cash out refinance like this, it's a bit like billionaires borrowing against their stock. Instead, you're borrowing against the value of your real estate. In fact, listening to this short clip, it's Trevor Noah talking about how billionaires do exactly this, and you'll notice that the crowd laughs because it actually sounds funny that you can really do this,    Speaker 2  3:22   the shares that they hold in a company, because it is an unrealized gain, right? So they go like, yeah, you're worth 300 billion, but we can't tax you on those stocks because you haven't sold the shares, so you don't, like, have the money. And I understand the argument. They go like, No, you don't have it. It's just what it's worth, because it will also crash, and then you have nothing, so we can't tax you on it. Then I'm like, Okay, I understand that. Then Elon Musk offers to buy Twitter, all right? He offers to buy it. And then he says in his offer, he goes, I'm putting up my Tesla stock as collateral. Then I'm like, so you do have it? Then he's like, no, no, no, no, I don't have it. I don't have it. I'm just gonna say so then they accept the offer. He now buys Twitter. Now that they've accepted his offer, he now goes to private equity and banks and like other rich people and whatever. He goes like, can you guys borrow me the money to buy Twitter? And then he's like, I'm I want to buy Twitter because I don't want to sell any of my Tesla shares, so I want to use your money to buy Twitter. And then it's like, but then they're like, What are we loaning it against? And he's like, Well, my Tesla shares. Then I'm going, like, Wait, so, so you, you can, you can buy a thing based on what you have, yes, but when we want to tax you, you can say, I don't have it. Do you hear what I'm saying here?   Keith Weinhold  4:46   Yeah, you can borrow against your real estate if you have substantial equity in it. We'll talk about just how much now billionaires borrow against their stock holdings using financial products like portfolio lines of credit or. For securities based loans. These are the names for how they do it, essentially taking out loans and using their stock as collateral. And this allows them to access cash without selling their assets and without incurring capital gains taxes, much like you can so you can say that you don't want to sell your property in you don't have to go through some capital raising round either, like a billionaire might have to when they're borrowing against their stock. You can just have a more standard mortgage application for your cash out refinance, and you don't even have to have a huge portfolio. I mean, even if you just own one 500k property with 50% equity in it, you can do this so it's available to most any credit worthy person, again, tax free. But of course, this doesn't mean that you always should take this windfall, because it often creates a higher monthly payment. You've got to be the one that makes that decision in controlling your cash flows, that is key. I'll talk about that some more with today's terrific guests. Also the Trump administration's desire to privatize Fannie Mae and Freddie Mac we're going to talk about that and what that would do to the mortgage landscape. I am in the USA today, next week, I'll be bringing you the show from London, England for the first time, the following week, from Edinburgh, Scotland. Yes, the mobile GRE Studio will be in effect. I typically set it up myself, and I usually don't need the help of the hotel staff for an appropriate Sound Studio either. And then shortly after that, I will be in Anchorage, Alaska, where I'm competing in these fantastic mountain running races. And then by next month, that's where I hope to meet up with you in person for nine days of learning and fun, as I'll be in Miami as part of the faculty for the terrific real estate guys invest or summon at sea, where we're all going to disembark from Miami and go to St Thomas, St Martin and the Bahamas, and then after that great event, it is a long flight from Miami back to Anchorage again. And that's got to be one of the longer domestic flights, not just in the nation, but in the world, Miami to Anchorage, and then shortly after that, I will be in the Great Northeast early this summer, New York and Pennsylvania, including for my high school reunion. So I'll really be putting the miles on these next couple months. One interesting thing that I've noticed for next week's show, where I'll be joining you from London, is how much I'm paying per night at both my hotel in England and then later my hotel in Scotland. That's obviously a short term real estate transaction. These are some of the more expensive places in the world, really. So next week and then the week after, I just think you'll find it interesting. I'll tell you how much I'm spending per night in both London and then Edinburgh. And they're both prime locations, where the hotels are the center of London and then right on Edinburgh's Royal Mile. That is in future weeks as for today, let's talk about the mortgage landscape with this week's familiar and terrific guest.   I'd like to welcome in one of the more recurrent guests in our history, so she needs little introduction. She's the longtime president of the mortgage company that's created more financial freedom for real estate investors than any lender in the nation because they specialize in income property loans. It's where I get my own loans for my own rental properties. Ridge lending group. Hey, welcome back to GRE Caeli ridge.    Caeli Ridge  8:57   Thank you, Keith. You know I love being here with you and your listeners. I appreciate you having me.   Keith Weinhold  9:01   You've helped us for so long. For example, who can forget way back in episode 56 Yeah, that's a deep scroll back when Chaley broke down each line of a good faith estimate for us, that's basically a closing statement sheet. She told us exactly what we pay for at the closing table, line by line like origination fee, recording costs and title insurance so helpful. It's just the sort of transparency that you get over there. Buyers pay for title insurance at the closing table. It is title insurance a rip off. A few years ago, a lot of people speculated that title insurance would fade away because the property's ownership could be transparent and accessible to everybody on the blockchain, but we don't really see that happening. So tell us about title insurance, and really, are we getting value in what we pay for there at the closing table?   Caeli Ridge  9:54   Well, I think the first thing I would say is that it really isn't going to be an option as far as I. Know, as long as the individual is going to source institutional funding leverage use of other people's money, they're going to require the lender, aka Ridge lending, or whoever you're working with, they're going to require that title insurance that ensures their first lien position. Doing that title search, first and foremost, is going to make it clear that there isn't some cloud on title, that there isn't some mechanic lien that had been sitting out there for however many years it may have just been around. And those types of things never go away. So for a lending perspective, it's going to be real important that that title insurance is paid for and in place to protect their interests, things like judgments, tax liens, like I said, a mechanic's lien, those will automatically take a first lien position in front of a mortgage. So obviously we're not going to risk that and find ourselves in second lien position in the event of default and somebody else is getting paid before we are. So not really an option. Is it a rip off? I don't know enough about how often it's paid out, and not to speak to that, but I will tell you that it isn't a choice.   Keith Weinhold  11:07   Title Insurance, like Shaylee was talking about. It protects against fraud related to the property's ownership, someone else claiming rights to the property, and this title search that an insurer does it also, yeah, it looks for those liens and encumbrances, including unpaid taxes, maybe unpaid HOA dues, but yeah, mortgage lenders typically require title insurance, and if you the borrower, you might think that's annoying. Well, it does make sense, because the bank needs to protect their collateral. If a bank ever has to foreclose, they need to have access to you, the borrower, to be able to do that without any liens or ownership claims from somebody else. Caeli, how often do title insurance companies mess up or have to pay out a claim? Does that ever happen?   Caeli Ridge  11:50   I mean, if I have been involved in a circumstances where that was the case, it's been so many years ago, they're pretty fastidious. I don't know that I could recall a circumstance where something had happened and the title insurance was liable. They go through the paces, man, they've got to make sure that, and they're doing deep dives and searches across nationwide to make sure that there isn't any unnecessary issue that's been placed on title Not that I'm aware of. No.    Keith Weinhold  11:50   Are there any of those other items that we tend to see on a good faith estimate that have had any interesting trends or changes to them in the past few years?    Caeli Ridge  12:27   Yeah, I've got a good one, and this is actually timely credit reports. So over the last couple of years, something has been happening with credit reports where, you know, maybe three, four years ago, a credit report, let's say a joint credit report, a husband and wife went and applied that credit report might cost 25 bucks. Well, now it's in excess of 100 plus. Some of what we're going to be talking about today, it kind of gets into the wish list of Jim neighbors, who is the president of the mortgage brokers Association. He's been talking to the administration about some of his wishes, and credit report fees is actually one of the things that they're wanting to attack and bringing those costs down for the consumer. So when we look at a standard Closing Disclosure today, credit report costs have increased significantly. I don't have the percentages, but by a large margin over the last couple of years,    Keith Weinhold  13:21   typically not one of your bigger costs, but a little noteworthy. There one thing that people might opt and choose to have on their good faith estimates, so that borrower therefore would actually pay more out of pocket with today's higher mortgage rates. And I'm sure not to say high, because historically, they are not high. Do we see more people opting to pay discount points at the closing table to get a lower rate and talk to us about the trade offs there   Caeli Ridge  13:46   right now, first and foremost, that there isn't a lot of option for investment property transactions, whether it be a purchase or refinance. There's not going to be that option where the consumer gets to choose to say, Okay, I want to pay points for a lower rate or not pay points for a higher rate the not paying points is the key here. There isn't going to be a zero point option for investment property transactions. And this gets a little bit convoluted, and then I'll circle back and answer the question of, when does it make sense to pay the points, more points versus less points? We have been in a higher rate environment that I think a lot of people have become accustomed to as a result secondary markets, where mortgage backed securities are bought and sold, they keep very close tabs on the trends and where they think things are headed. Well, something called YSP, that stands for yield, spread, premium, under normal market circumstances, a consumer can say, okay, Caeli, I don't want to pay any points. Okay, I'll take this higher interest rate, and I don't want to pay any points, because that higher interest rate is going to have YSP, yield, spread, premium to pay compensation to a lender, and you know, the other third parties that may be involved in that mortgage backed security. But. Sold and traded, etc, okay? They have that choice under normal market circumstances. Not the case right now, because when this loan sells the servicing rights, whoever is going to pick up the servicing rights, so when Mr. Jones goes to make his mortgage payment, he's going to cut a check to Mr. Cooper. That's a big one, right? Or Rocket Mortgage, or Wells Fargo, whoever the servicer is, the servicing rights are purchased at a cost. They have to pay for the servicing rights, and let's say that's 1% of this bundle of mortgage backed securities that they're purchasing. Well, they know the math is, is that that servicer is going to take about 36 months before that upfront cost is now in the black or profitable. This all will land together. Everybody, I promise you stick with me, so knowing that we've got about a 36 month window before a servicer that picked up the rights to service this mortgage is going to be profitable in a higher rate environment, as interest rates start coming down, what happens to the mortgage that they paid for the rights to service 12 months ago, 18 months ago, that thing is probably going to refinance right prior to the 36 month anniversary of profitability. So that YSP seesaw there is not going to be available for especially a non owner occupied transaction. So said another way, zero point rates are not going to be valid on a non owner occupied transaction in a higher rate environment when secondary markets understand that the loans that are secured today will very likely be refinanced prior to profitability on the servicing side of that mortgage backed security that is a risk to the lender, yes. So we know that right now you're not going to find a zero point option. Now that may be kind of a blanket statement. If you were getting a 30% loan to value owner occupied mortgage with 800 credit scores, you know that's going to be a different animal. And of course, you're going to have the option to not pay points. The risk for that is nothing. Okay, y SP is going to be available for you, the consumer, to be able to choose points at a lower rate, no points higher rate. When does it make sense to pay additional points? Let's say to reduce an interest rate, the break even math. And you know, I'm always talking about the math, the break even math is actually the formula is very simple. All you need to do is figure out the cost of the points. Dollar amount of the points, let's say it's $1,000 and that's what it's going to cost you to, say, get an eighth or a quarter or whatever the denomination is, in the interest rate reduction. But you aren't worried about the interest rate necessarily. You're looking at the monthly payment difference. So it's going to cost you $1,000 in extra points, but it's only going to save you $30 a month in payment when you divide those two numbers, what's that going to take you 33 months? 30 well, okay, and does that make sense? Am I going to refinance in 33 months? If the answer is no, then sure pay the extra 1000 bucks. But that's the math, the cost versus the monthly payment difference divide that that gives you the number of months it takes to recapture cost versus cash flow or savings, and then you be the determining factor on when that makes sense.    Keith Weinhold  18:10   It's pretty simple math. Of course, you can also factor in some inflation over time, and if you would invest that $1,000 in a different vehicle, what pace would that grow at as well? So we've been talking about the pros and cons of buying down your mortgage rate with discount points before we get into the administration changes. Cheley talk about that math in is it worth it to refinance or not? It's a difficult decision for some people to refinance today with higher mortgage rates than we had just a few years ago, and at the same time, we've got a lot of dead equity that's locked up.   Caeli Ridge  18:40   I would start first by saying, Are we looking to harvest equity? Are we pulling cash out, or are we simply doing a rate and term refinance where we're replacing one loan with another loan, if it's for rate and term, if we're simply replacing the loan that we have today with a new loan, that math is going to be pretty simple. Why would you replace 6% interest rate with a 7% interest rate? If all other things were equal, you wouldn't unless there was a balloon feature, or maybe an adjustable rate mortgage or something of that nature involved there that you have to make the refinance. So taking that aside, focusing on a cash out refinance, and when does it make sense? So there's a little extra layered math here. The cash that you're harvesting, the equity that you're harvesting, first of all, borrowed funds are non taxable. What are we going to do with that pile of cash? Are we going to redeploy it for investing more often than not talking to investors? The answer is yes. What is that return going to look like? So you've got to factor that in as well, and then we'll get to the tax benefit in a moment. But generally speaking, I like to as long as the cash flow is still there, okay, you've got to have someone else covering that payment. Normally, there's exceptions to every rule. I don't normally advise going negative on a cash out refi. There are exceptions. Okay, please hear me. But otherwise, as long as the existing rents are covering and that thing is still being paid for by somebody else, then what you want to do is look at that monthly payment. Difference again, versus what you're getting out of it. And then you divide those two numbers pretty simply, and it'll take you how long. And then you've got a layer in the cash flow that you're going to get from the new acquisitions, and whether that be real estate or some other type of investment, whatever the return is, you're going to be using that to offset. And then finally, I would say, make sure that you're doing adding in the tax benefit. These are rental properties guys, right? So closing costs can be deducted now that may end up hurting debt to income ratio down the road. So don't forget, Ridge lending is going to be looking at your draft tax returns. Very, very important to ensure that we're setting you up for success and optimizing things like debt to income ratio on an annual basis.   Keith Weinhold  20:40   Now, some investors, or even primary residence owners might look at their first and only mortgage on a property, see that it's 4% and really not want to touch that. What is the environment and the appetite like today for having a refinance in the form of a second mortgage? That way you can keep your first mortgage in place and, say, 4% get a second mortgage at 7% or more. How does that look for both owner occupied and non owner occupied properties today?   Caeli Ridge  21:07   you're going to be looking at prime, plus, in many cases, if you don't want to mess with a first lien, a second lien mortgage is typically going to be tied to an index called prime. Those of you that are familiar with this have probably heard of that. Indicee. There's lots of them. The fed fund rate, by the way, is an index. There's lots of them. The Treasury is also another index. Prime is sitting, I think, at seven and a half percent. So you're probably going to be looking at rate wise, depending on occupancy and credit score and all of those llpas that we always talk about, loan level, price adjustment. You know, it could be prime plus zero, it could be prime plus four. So interest rates could range between, say, seven and a half, on average, up to 11 even 12% depending on those other variables. More often than not, those are going to be interest only. So make sure that you're doing that simple math there. And I would prefer if I'm giving advice the second liens, the he loan, which is closed ended, very much like your first mortgage, it's just in second lien position. It's amortized over a certain period of time, closed ended. Not as big a fan of that. If you can find the second liens, especially for non owner occupied, I would encourage it to be that open ended HELOC type.    Keith Weinhold  22:15   What are we looking at for combined loan to value ratios with second mortgages    Caeli Ridge  22:19   on an owner occupied I think you'd be happy to get 90. I think I've heard that in some cases, they can go up to 95% in my opinion, that would go as high as they'll let you go right on a non owner occupied, I think you'd be real lucky to find 80, and probably closer to 70.    Keith Weinhold  22:34   That really helps a lot with our planning. Well, the administration that came in this year has made some changes that can create some upheaval, some things to pay attention to in the mortgage market. We're going to talk about that when we come back. You're listening to get rich education. Our guest is Ridge lending Group President, Caeli Ridge I'm your host, Keith Weinhold.    The same place where I get my own mortgage loans is where you can get yours. Ridge lending group  NMLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Chaeli Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866   Hal Elrod  24:38   this is Hal Elrod, author of The Miracle Morning and listen to get rich education with Keith Weinhold, and don't put your Daydream.   Keith Weinhold  24:55   Welcome back to get rich education. We're talking about mortgages again, because this is one. Where leverage comes from. I'm your host. Keith Weinhold, we're sitting down with the president of ridge lending group, Caeli Ridge, and I know that she has some knowledge and some updates on new administration leadership and some potential changes for the market there. What can you tell us? Caeli   Caeli Ridge  25:16   I'm pretty excited about this one, and I'm watching very diligently to see how it unfolds. So the new director of the FHFA Federal Housing Finance Agency, all is Bill Pulte. This is the grandson of Pulte Homes. Okay, smart guy. I'm excited to see what he's going to come in and do. Well. He had recently, I think in the last couple of weeks, he put out in the news wires asking for feedback from the powers that be, related to Fannie and Freddie, what improvements they would like to see. So first up was Jim neighbors. He is the president of the mortgage brokers Association. He had a few very specific wish list items, if you will. And the first one on his list was the elimination of LLP, as for non owner occupied and second home. So let me just kind of paint a picture here, because there's some backstory I think is important. So an LLPA, for those of you that have never heard that term before, stands for a loan level price adjustment. And a loan level price adjustment is a positive number or a negative number that associates with the individual loan characteristics. So things like loan to value or loan size, occupancy is a big ll PA, the difference between an owner occupied where you live and one that you're going to use as a rental property, that's a big one. Credit score, property type, is it a single family? Is it a two to four? Is this a purchase? Is it a refi? Anyway, all of those different characteristics are ll pas. Well, if we take a step back in time, gosh, about three years ago now, Mark Calabria, at the time, was the director of the FHFA, and he had imposed increases, specific increases. This was middle of 22 I want to say specific increases to the LL pas for non owner occupied property. So if anybody kind of remembers that time, we started to really see points and interest rates take that jump sometime in 2022 more than just the traditional interest rate market and the fluctuations. This was very material to investment property and second home, but we'll focus on the investment property. So Mr. Jim neighbors came in and said, first and foremost, I'd like to see those removed, and I want to read something to the listeners here, because I thought it was very interesting. This is something I've been kind of preaching from the the rooftops, if you will, for many, many years. Yeah, we've got neighbors sticking up for investors here. He really is. And I Yeah, well, yes, he is. And more often than not, they're focused on the owner occupied so I'm just going to kind of read. I've got my cheat sheet here. I want to make sure I get it all right for everybody. So removal of the loan level price adjustments on investment properties and second homes, he noted that these risk based fees charged by Fannie and Freddie discourage responsible buyers from purchasing second homes and investment properties, with that insignificant increase to cost. And here's the important part, originally introduced to account for additional credit risk, many of the pandemic era llpa increases were not based on updated risk metric. In fact, data has shown that loans secured by investment properties often have strong credit profiles and lower than expected default rates. I mean, anybody that has been around long enough to see what we've come from, like, 08,09, and when we had the calamity of right, the barrier for entry for us to get any conventional financing as investors has been harsh. I mean, I make that stupid joke of vials of blend DNA samples. But aside from it being an icebreaker, it kind of feels true. We really get the short end of the stick. And I feel like as investors especially, post 08,09, our credit profiles, our qualifications, the bar is so high for us, the default risk there has largely been removed. We've got so much skin in the game. With 20 25% down, credit score is much higher, debt to income ratios more scrutinized, etc, etc. So I think that this is, if it passes muster. I think this is going to be a real big win for the non owner occupied side of agency, Fannie, Mae, Freddie, Mac lending.   Keith Weinhold  29:13    The conventional wisdom is, is that if you the borrower, get into financial trouble, you're more likely to walk away from your rental properties than you are your own home and neighbors, sort of like a good neighbor here sticking up for us and stating that, hey, us, the investors, we're actually highly credit worthy people.   Caeli Ridge  29:29   Yeah, absolutely. So fingers crossed. Everybody say your prayers to the llpa and mortgage investor rates gods.   Keith Weinhold  29:37   we'll be attentive to that. What other sorts of changes do we have with the administration? For example, I know that Trump and some others in the administration have talked about privatizing the GSEs, those government sponsored enterprises, Fannie, Mae, Freddie Mac and what kind of disruption that would create for the industry. Is it really any credence to that?   Caeli Ridge  29:58   They've been talking about it for. For quite a while. I mean, as long as Trump has been kind of on the scene, that's been maybe a wish list for him. I don't see that happening over the next years. That is an absolute behemoth to unpack and make a reality. Speaking of Mark Calabria, he was really hot and heavy on the trails of doing that. So what this is, you guys so fatty Freddy, are in conservatorship that happened back post 08,09, and privatizing them and making them where it is not funded, or conservatorship within the United States government. Now it still has those guarantees against default. It's a very complicated, complex, nuanced dynamic of mortgage backed securities, but if we were to privatize them at some point now, am I saying that that's a bad thing? No, not necessarily, but I think it has to be very carefully executed, and because there are so many moving parts, I do not think that just one term of presidency is going to make that happen. If we do it, it's going to be years down the road from now. Is my crystal ball. I don't think we're going to see that anytime soon.    Keith Weinhold  30:58   That's interesting to know. Are there any other industry changes that are important, especially for investors, whether that has to do with the change in administration or anything else?   Caeli Ridge  31:08    Well, specific to that wish list from Mr. Neighbors, one of the other things that he had asked, and there were quite a few, for owner occupied changes as well, he wants to reduce the seasoning for cash out refinances of investment properties, which would be huge good. Yeah, right now it's 12 months on a cash out refinance given very specific acquisition details. Okay, I won't go down that rabbit hole, but currently, if you haven't met exactly these certain benchmarks, you may have to wait 12 months to pull cash out of a property from the day that you acquire it, he's asking that that be pulled back to about six months, which would be nice   Keith Weinhold  31:46   reducing the seasoning period from 12 months to six months, meaning that an investor a borrower, would only need to own that property for that shorter duration of time prior to performing a refinance.   Caeli Ridge  31:58    Cash out refinance, no seasoning required on a rate and term. This is specific for cash out. But again, for cash out, but exactly right   Keith Weinhold  32:04   now, one trend that I think about sometimes, especially when I think back to 2008 2009 days since I was an investor through that time, is, are there any signs in the reduction of the appetite or the propensity to lend, to make loans. So how freely is credit flowing?    Caeli Ridge  32:25   I think pretty freely. I'm not seeing that they're tightening the purse strings. That's not the lens that I'm looking at it from, and I try to keep that brush stroke broad. There have been, I think that on the post, close side, there's been a little extra from Fannie Freddie, and I think that has to do with profitability markers. But overall, I'm not seeing that products are disappearing necessarily, or that guidelines are really becoming even more cumbersome. If anything, I would say it's maybe the reverse of that, and I do believe that probably is part and parcel to this administration and the real estate background that comes with it.   Keith Weinhold  32:59   One other thing I pay attention to, but it just really hasn't been much of a story lately. Are delinquencies in foreclosures. It seems like they've ticked up a little bit, but they're still both really historically low and basically a delinquency being defined as when a borrower makes one late payment, and foreclosures being the more severe thing, typically a 120 days late or more. Any trends there? I'm not   Caeli Ridge  33:24   seeing any now. And in fact, I would tell you that, because we focus so much on investor needs, first payment default is I can count on less than one hand, if I had to, how many times I've seen that happen with our clients over 25 years. So nothing noteworthy there for me.    Keith Weinhold  33:40   Yes. I mean, today's borrowers are just flush with equity. Nationally, there's a loan to value ratio of 47% which is healthy, in a sense. On average, borrowers have a 53% equity position. Of course, the next thing, I think, is like, I don't really know if that's a smart strategy. They're not really getting that much leverage out there. But I think a lot of people just have the old mentality of get it paid off.    Caeli Ridge  34:06   And I think that depending on where you are in your journey, I mean, if you're in phase three, right, where you're just really looking at these investments, these nest eggs to carry you into your retirement and or for legacy reasons, fine, but otherwise, I may argue the point in that I don't care that you have a 3% interest rate on an investment property, or whatever it may be, if it's sitting there idle and as long as it can cash flow, the true chances of those individuals of keeping that mortgage that they got in 2020, 2021, etc, at those ridiculously low interest rates and stroking 360 payments later to pay it to zero is a fraction of a percent right now, whether they're on the sidelines for something else, I don't know, but that debt, equity, I think, is hurting them more than a 3% interest rate is helping them.   Keith Weinhold  34:52    And a lot of times, the mindset of someone is, if they don't need to build wealth anymore, and they're older and they already built wealth, they don't care if they're loaned to value. Was down to zero, and they have it paid off, whereas someone that's in the wealth building phase probably wants to get more leverage. Yeah, Chaley at risk lending group, there you see so many applications come in, and especially since you're an investor centric lender, I like to ask you what trends you're seeing. What are people buying? What are people doing? Are they refinancing? Are they paying loans off? Are they trying to take out more credit? Are there any overall trends with investors that you see in there    Caeli Ridge  35:29   right now? I think the all in one is a clear winner there. The all in one, that first lien, HELOC, that you and I talked about, we broke my little corner of the internet with that one, that one is a front runner for sure, on the refinance side, specifically, we are seeing quite a bit more on the refi side of things, that equity is kind of just sitting there. So even though, if the on one isn't a good fit for them, I'm seeing investors that are willing to tap into that equity instead of just sitting around and waiting for them to potentially lose some equity if the housing market does start to take some decline. And then I would say, on the purchase transaction side, something that's kind of piqued my interest is the pad split. I'm looking at that more often where, for those that are not familiar, you can probably speak more to this, Keith, they're buying single family resident properties, even two to four unit properties, and a per bedroom basis, turning those into rental properties. And they're looking to be quite profitable. So I've got my eyes on that too.   Keith Weinhold  36:23   before we ask how we can learn more about you and what you do in there at Ridge Kayle. Is there any last thing that you'd like to share? Maybe a question I did not think about asking you, but should have.    Caeli Ridge  36:35   I would like to share with your listeners that if they are not working with a lender that focuses on their education and has that diversity of loan product that we have, that they're probably in the wrong support group. You need to be working with a lender that has a nationwide footprint and that has diversity of loan product to cover whatever methodology of real estate investing that you're looking for, and really puts a fine touch on the education of your qualifications and your goals as they relate to underwriters guidelines   Keith Weinhold  37:10   what we're talking about, and I know this through my own experience in dealing with Ridge, since I use them for my own loans myself, is sometimes Ridge might inform You that, hey, you can go and do this and make this deal now, but that's going to mess up this bigger thing 12 months down the road, whereas if you talk with an everyday sort of owner occupant mortgage company, oh, they're just not going to talk like that, because owner occupants, they might only buy every seven years, or something like that. And investors are different, and you need to have that foresight and look ahead. Caeli, this has been great, a really informative conversation about the pulse of the market. Tell us what products that you offer in there.   Caeli Ridge  37:50   Our menu is very, very diverse. I would say what. It's probably easier to describe what we don't offer. We do not have bear lot loans or land loans. We're not offering those right now. We do not have second lien HELOCs currently. We suspended that two years ago. But otherwise, guys, we're going to have everything that you're going to need. So just very quickly, I'll rattle off Fannie Freddie, okay, those golden tickets that we talk about, we've got DSCR loans, bank statement loans, asset depletion loans, ground up construction, short term bridge loans for fix and flip or fix and hold. We have our All In One that's my favorite first lien. HELOC, we have commercial loan products for commercial property and residential on a cross collateralization basis. So very, very robust in the loan product space.   Keith Weinhold  38:33   Caeli Ridge, it's been valuable as always. And then Ridge lending group.com, or your phone number   Caeli Ridge  38:39   855-747-4343, 855-74-RIDGE, , and then to reach us an email, if that's your better mechanism to contact us info@ridgelendinggroup.com   Keith Weinhold  38:50   that's been valuable as always. Thanks so much for coming back onto the show.    Caeli Ridge  38:53   Appreciate it. Keith,   Keith Weinhold  39:00   Yeah, terrific information from Chaley. As always, if you're enamored of borrowing tax free, like a billionaire, against your real estate, they sure can help you out with that and determine whether that's right. It doesn't mean that you always should, but if you have investment ideas for debt equity, and you're attentive to cash flows, run the numbers with them and see if it's worthwhile. As far as new purchases, we all know that soured affordability has made it especially tough for first time homebuyers, and there's more data out there that shows that tenant durations are historically long, longer than they usually are. Tenants are staying in places longer because they have to. Investor purchases have stayed strong, though investors have been buying about the same proportion of single family homes and making them rentals that they have historically and Redfin tells us that. The value of properties that investors have purchased is up more than 6% year over year, so investors are still buying and that makes sense. We're in this era where there's more uncertainty than usual, there's higher stock volatility than usual, and more people are sort of asking themselves, where would I get a better return than on income property, and where would my return be more stable today than in income property as well? If you work with Ridge lending group for a time, you're probably going to understand why I personally use them for my own loans. You'll notice that they really understand what investors need. Thanks to Caeli Ridge today and thank you for being here too. But as always, you weren't here for me. You were here for you until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  40:56   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  41:20   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text. GRE to 66866, while it's on your mind, take a moment to do it right now. Text GRE to 66866   The preceding program was brought to you by your home for wealth, building, get rich education.com.    

Episode 72 of STARK REALITY PLAYLISTS features $mall ¢hange’s guest CHRIS BISHOP’S "Kennett Sound Studio & Hudson Valley mini-mix," showcasing obscure and sought after records that have been cut and made in the Hudson Valley, featuring artists Dirty Elbows, Teddy Boys, Riccardo & The Four Most, Nick Brignola, Villagers and more. To hear Chris Bishop’s in-depth Stark Reality interview with Host James Dier aka $mall ¢hange, where they go deep on shared politics, protests around the New York Counties of Hudson and Columbia, and of course local artists and records, go to Episode 71 of Stark Reality or wherever you get your podcasts. For more information about Chris Bishop, follow him @chas_kit on Instagram For all of Host James Dier aka DJ $mall ¢hange's in-depth interviews and exclusive guest playlists, Subscribe to both STARK REALITY and STARK REALITY PLAYLISTS on Apple Podcasts, Mixcloud or live & direct on uptownradio.net / jasoncharles.net Podcast Network Music Channel's STARK REALITY Series PageSee omnystudio.com/listener for privacy information.

This week's discussion features Judah Thomas, David LaManna, Lenny Salgado, Johnny V, Mike McHugh, and James Gowell. Join us for a great discussion on the recap of our roadtrip to Sight and Sound Studio in Lancaster, PA to see Daniel and our wrap up of the Book of Daniel Bible study.  Enjoy and have a blessed day. For more information visit: www.thrive.church If you would like to give financially you can do so here: www.thrive.church/give/ If you need prayer email us at prayer@thrive.church This is a presentation of Thrive.Church ©All Rights Reserved

Wussten wir so noch nicht: Ex FDP Justizminister Marco Buschmann ist in seiner Freizeit ein begnadeter Soundtüfftler. Aber: Die Aufnahmesession wäre beinahe geplatzt Von Tobias Brodowy.

This episode was recorded at the Fashion Tech Farm during Dutch Design Week. Find our more about the Fashion Tech Farm and DDW here:https://fashiontechfarm.com/https://ddw.nl/https://ddw.nl/en/locations/625/fashion-tech-farmAbout Malou:https://www.instagram.com/atelier_mlou/Website: https://tinyurl.com/fn8zpz5pDawn Lorels: https://www.maloubeemer.com/project/dawn-lorels/ Don't forget to visit!CTS is independently made by Rosa Scholtens and edited by Yeppe van Kesteren (Spot on Sound Studio)

This episode was recorded at the Fashion Tech Farm during Dutch Design Week. Find our more about the Fashion Tech Farm and DDW here:https://fashiontechfarm.com/https://ddw.nl/https://ddw.nl/en/locations/625/fashion-tech-farmAbout Anke:https://www.instagram.com/ankejongejan/About her work Hanging Out With Foam: https://ddw.nl/en/programme/13358/hanging-out-with-foam?fbclid=PAZXh0bgNhZW0CMTEAAaZN3HoM-ljKTGVPoulMvzmesd-eS-GRXJ96EnQiEJkZECTMqxmOnxzzL8E_aem_tHn3_ahznSCugynhuRxecADon't forget to visit!CTS is independently made by Rosa Scholtens and edited by Yeppe van Kesteren (Spot on Sound Studio)

This episode was recorded at the Fashion Tech Farm during Dutch Design Week. Find our more about the Fashion Tech Farm and DDW here:https://fashiontechfarm.com/https://ddw.nl/https://ddw.nl/en/locations/625/fashion-tech-farmAbout Minne & DieKees:https://www.instagram.com/_diekees/https://minneworks.nl/https://ddw.nl/nl/programma/13348/diekeesDon't forget to visit!CTS is independently made by Rosa Scholtens and edited by Yeppe van Kesteren (Spot on Sound Studio)

This episode was recorded at the Fashion Tech Farm during Dutch Design Week. Find our more about the Fashion Tech Farm and DDW here:https://fashiontechfarm.com/https://ddw.nl/https://ddw.nl/en/locations/625/fashion-tech-farmDon't forget to visit!CTS is independently made by Rosa Scholtens and edited by Yeppe van Kesteren (Spot on Sound Studio)

This episode was recorded at the Fashion Tech Farm during Dutch Design Week. Find our more about the Fashion Tech Farm and DDW here:https://fashiontechfarm.com/https://ddw.nl/https://ddw.nl/en/locations/625/fashion-tech-farmAbout Brigitte:https://www.youtube.com/@VariableSeamshttps://www.instagram.com/variableseams/Don't forget to visit!CTS is independently made by Rosa Scholtens and edited by Yeppe van Kesteren (Spot on Sound Studio)

Hello Listeners! In this episode, we had the opportunity to have a conversation with American rock band L.A. Edwards . Luke Andrew Edwards was born in the one-stop-light town of Julian, in the California desert. He is the second of seven children who tenured there in what's lovingly called “The Rock House”. Luke's musicality was spurred by its taboo nature in the home, or more peaceably, simply woven into the fabric of his particular being, it is a force that has remained a through-line in his life.Luke's first foray into recording music under “L.A. Edwards” proffered an EP titled “Secrets We'll Never Know” in 2015. The collection leans on influences gathered later in life like Tom Petty and Jackson Browne.L.A. Edwards has released a new live session video for their latest single 'El Camino,' recorded at the legendary Muscle Shoals Sound Studio in Sheffield, Alabama on September 20. It's taken from their acclaimed album Pie Town, released through Bitchin' Music Group and distributed worldwide by The Orchard / M.A.R.S., now available everywhere.Following a series of sold-out tours with renowned artists like Lucinda Williams, Rival Sons, and The White Buffalo, L.A. Edwards gathered at Road End Studio in Seattle, Washington, to record Pie Town late last year. Having just completed their first headlining tour in Europe, the band is eager to reach more fans on their world tour. Listen full episode on Bingkai Suara with Sifin and don't forget to follow our podcast on any podcast platforms, our Instagram Bingkai Karya, and stay updated with our recent news on http://www.bingkaikarya.com

Languaging Episode 3: Notes Title: Languaging in Hampton Roads Episode 3: What's in a Name? Hosts: Jill Winkowski and Prue Salasky Date: March 22, 2024 Length: 21:19 minutes Publication Frequency: Fourth Friday of each month In this third episode of Languaging in Hampton Roads, co-hosts Jill Winkowski and Prue Salasky explore how words get added to the English language and their discussion focuses primarily on the addition of words from the Algonquian family of languages. Word origins can be murky business. Some of the earliest additions of Native American words into English came from the accounts of early settlers. Captain John Smith, the English soldier and explorer who became a colonial governor in Virginia, and Roger Williams, the founder of Rhode Island, among many others, kept ethnographic accounts of the Native American language and culture. The Native American language most local to us in Tidewater is Powhatan, an Eastern Algonquian language, and we learn from John Smith's accounts that words such as raccoon, possum, and persimmon entered English from that language. To really get to the bottom of word origins, Prue and Jill go to sea to explore one word in particular, that is, the name of "the most important fish in the sea," the Atlantic menhaden. While combing sources and knocking on the doors of experts to find out the origins of the name, they came across, as frequently happens when researching words, stories. Many stories. From the story of Roger Williams who wrote down the Narragansett name of a silver fish as munnawhatteaug to the accounts of the 19th century fish researcher G. Brown Goode, who, in addition to his scientific research, scoured the east coast for the myriad nicknames for the filter feeder. Other stories that emerged were those of the generations of the menhaden fishermen themselves and the current controversy around industrial menhaden fishing. Nailing down the origins of the word menhaden, it turns out, is as slippery as the fish itself. They even sought out the advice of Smithsonian emeritus linguist Ives Goddard who consoled them that tracking down the origins of fish names are notoriously difficult. While Jill and Prue had to settle for a probable origin of the word, the real lesson was in the journey. Language is constantly changing. That is part of its beauty, that it morphs with shifting demographics, cross cultural contact, and sometimes, just plain necessity. Prue and Jill end the episode with an account of an emerging use of Native American language in archeaology, where Scott Dawson from Hatteras describes using Croatoan words for the artifacts they are excavating at their sites on the island. Send feedback, questions, topic suggestions, etc. to languaginghr@gmail.com CREDITS: Original music by Skye Zentz; Languaging logo by Patty McDonald; technical help by Michael Lusby at the Sound Studio at Slover Library in Norfolk, Va. Languaging in Hampton Roads is written and produced by Jill Winkowski and Prue Salasky

Getting to tour Destin LeCornu's recording studio was an incredible opportunity. In this episode, he invites us behind the scenes to see everything that goes into making a state-of-the-art facility. The place has vintage vibes, and the multi-room setup gives you the sense that you walked onto a movie set.Destin is an audio engineer, producer, teacher, and accomplished musician. He plays several different instruments, and he is a vocalist too. In our conversation, he describes how his father, a Nashville singer-songwriter, influenced him from a young age. Destin has managed to create a full-time career in the music industry, which is no small feat in a city the size of Pittsburgh.If you have any questions or if you'd like to chat, you can reach me at my contact info below. The purpose of this podcast is to share ideas, inspire action, and build a stronger small business community here in Pittsburgh. So please say hello, tell me what you think, and let me know how I'm doing. It means a ton!YOU CAN REACH ME AT:Website: https://www.proprietorsofpittsburgh.comInstagram: https://www.instagram.com/proprietorsofpittsburghpodcastFacebook: https://www.facebook.com/proprietorsofpittsburghpodcastLinkedIn: https://www.linkedin.com/in/darinvilanoPhone: 412-336-8247YOU CAN REACH DESTIN LECORNU AT:Website: https://www.sunsetplacestudio.comInstagram: https://www.instagram.com/destinlecornuFacebook: https://www.facebook.com/profile.php?id=100075963441408

In this episode of Languaging in Hampton Roads, co-hosts Jill Winkowski and Prue Salasky look into communication in the deaf community. They explore sign language, its history and variations. In particular they focus on the development of BASL, Black American Sign Language and American Sign Language in the southern U.S.  Through an interview with a nationally certified interpreter for the deaf, his interview of a deaf woman in Virginia Beach, and conversations with local and national experts, including NC State Prof. Walt Wolfram, on signing, they reveal the complexities of the language and pressures within the deaf community.  --Jubal Metzger-Smith's full interview,  its audio recording and transcript is available at  https://digitalcommons.odu.edu/tidewatervoices/  or find it by searching Tidewater Voices in your browser --The Chesapeake campus of Tidewater Community College offers a 2-year associate's degree in ASL and interpretation for the deaf. 757-822-1111 --The Hearing Loss Association of America, Virginia Beach chapter, includes all the cities in Hampton Roads. It conducts monthly hybrid meetings on the second Saturday of the month at Fortis College, 6300 Center Drive, Norfolk, Va. Find it at www.hearingloss.org --The Virginia Hearing Loss Support Network meets in Virginia Beach on the fourth Saturday of each month. On Facebook or vahlsn.info@gmail.com. --The Wells Theatre, 108 E. Tazewell St, Norfolk, Va. 23510 includes a signing interpreter for at least one show per production. (757) 627-1234. --Find the videos and vignettes for the Language and Life Project at North Carolina State University on YouTube.  Send feedback, questions, topic suggestions, etc. to languaginghr@gmail.com CREDITS: Original music by Skye Zentz; Languaging logo by Patty McDonald; technical help by Michael Lusby at the Sound Studio at Slover Library in Norfolk, Va. Languaging Hampton Roads is written and produced by Jill Winkowski and Prue Salasky

Find our more about Roosmarie and Clean&Unique here:https://www.cleanandunique.com/ https://www.instagram.com/roosmarieruigrok/ https://www.instagram.com/cleanunique/ Please join the 17th anniversary event of Clean & Unique at the Fashion Tech Farm in Eindhoven. I'll be there too! Tickets are available here:https://www.eventbrite.nl/e/tickets-purpose-by-tech-for-a-sustainable-fashion-industry-797215973437 Van Afval tot Zeeman: https://www.zeeman.com/nl/circulair/van-afval-tot-zeeman Host: Rosa ScholtensEditor: Yeppe van Kesteren / Spot on Sound Studio: https://www.spotonsound.nl/ More information or business inquiries: rosa@rosascholtens.nlInstagram: @rosascholtensWebsite: rosascholtens.nl Thanks to the Circular Textile Days: https://www.circulartextiledays.com/ Thanks to LEAVV e-campers: https://leavv.com/

Entertainment experts Walid and Kavita explore filming nuances between real on-location shoots and sound stage productions. They share insights from varied set experiences, discuss challenges of using green screens, and highlight the actor's role in crafting believable settings.They reminisce about shooting 'Messy,' the music video for Kavita's daughter and pop artist Rhea Raj, on location. Exploring the scouting process at a school and football field, they share their experiences. Additionally, the duo highlights Usher's eagerly awaited Super Bowl halftime performance, celebrating his talent and discussing the event's cultural significance.WATCH THIS EPISODE:youtube.com/@LightsCameraConversationFOLLOW US AND LET'S CHAT:instagram.com/lightscameraconversationtiktok.com/@lightscameraconversationDISCLAIMER: The content in this podcast episode is provided for general informational purposes only. By listening to our episode, you understand that no information contained in this episode should be construed as advice from LIGHTS CAMERA CONVERSATION (LCC) or the individual author, hosts, or guests, nor is it intended to be a substitute for research on any subject matter. Reference to any specific product or entity does not constitute an endorsement or recommendation by LCC. The views expressed by guests are their own and their appearance on the program does not imply an endorsement of them or any entity they represent. LCC expressly disclaims any and all liability or responsibility for any direct, indirect, incidental, special, consequential or other damages arising out of any individual's use of, reference to, or inability to use this podcast or the information we presented in this podcast.

In this first episode of Languaging Hampton Roads, co-hosts Jill Winkowski, a Tidewater native, and Prue Salasky, a UK native, introduce themselves, describe their background in linguistic studies, and explain their interest in the region's life and language.  Note: For the most part they use the terms Hampton Roads (a political designation) and Tidewater (a geographical designation) interchangeably to denote this corner of Southeastern Virginia that extends around the Chesapeake Bay and is bounded by the Atlantic Ocean. This episode focuses on the identifying characteristics of a Tidewater dialect and Tidewater Voices, an online archival collection of 300-plus stories collected from residents throughout the region. Students in the sociolinguistics classes of professor Dr. Bridget Anderson at Old Dominion University in Norfolk, Va., have been collecting these stories since 2005. Thanks to a years-long effort by Languaging co-host Jill Winkowski and a team at the ODU library, the audio recordings and their transcripts became available to the public in late 2023 at  https://digitalcommons.odu.edu/tidewatervoices/  or find it by searching Tidewater Voices in your browser. Soon, members of the community will be able to submit their own stories for review and publication. In this episode Prue and Jill interview two ODU linguistics students who conducted interviews with their families for the Tidewater Voices project. One, Jennifer Williams, interviewed her grandmother who grew up during segregation; the other, Pettie Perkins, talked to her three children to illustrate contemporary and future issues, such as the role of social media and technology in their lives. Both paint a vivid picture of the area in their personal stories and both indicate how the study of linguistics expanded their understanding of their family history and identity.  Finally, Jill poses a challenge to listeners: Explain the English present perfect and give an example to illustrate its use. Send it in an email to languaginghr@gmail.com and the winning entry will be featured in an upcoming episode of Languaging. Send feedback, questions, topic suggestions, etc. to languaginghr@gmail.com CREDITS: Original music by Skye Zentz; Languaging logo by Patty McDonald; technical help by Michael Lusby at the Sound Studio at Slover Library in Norfolk, Va. Languaging Hampton Roads is written and produced by Jill Winkowski and Prue Salasky

Brian stopped by Muscle Shoals Sound Studio in Sheffield, Alabama, and chatted with tour guides Terrell Benton, Toni Brooks, and Chase Brandon, as well as operations manager Katlyn Lott. The building is a former casket showroom that was transformed into one of the most successful hit making studios in music history. Check out their website at MuscleShoalsSoundStudio.org.This show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/3226900/advertisement

In this episode of Cloudlandia, I accompany you on a captivating time-travel adventure to the 1930s era. We explore the nascent media landscape and how the rise of radio and television began to connect the world. We predict how elements like technology, energy, money and labor may redefine our world. We also shed light on 1950s industries like television advertising and iconic artists that profoundly shaped society. Join Dan and me for this enlightening discussion into the past, present, and what may lie ahead.   SHOW HIGHLIGHTS The podcast episode explores the evolution of media, starting from the 1930s when radio and television started to unify the world. The hosts discuss the story of Matt Upchurch, founder of Virtuoso, and how his influential magazine became a guide in the complex world of information. They also explore the potential future of global economics, focusing on elements like money, energy, labor, and technological innovation. The episode delves into how these elements could redefine our landscape, especially in the context of a potential plateau period, and how they could challenge us to find more productive uses of technology. The hosts revisit the 1950s, highlighting the significant impact of industries and events like television advertising and iconic appearances of Elvis Presley and the Beatles on the Ed Sullivan show. They discuss emerging trends in mainland experiences, drawing parallels between cash flow and sense of humor, and delve into the realm of digital publishing. The hosts examine the shifts in travel desires induced by the pandemic and the potential of community colleges in providing a pathway to future employment. The hosts plan to set up a new sound studio and propose the idea of creating a digital collection basket at the end of the podcast. They predict that the future will see a growth in high-quality mainland activities as people's standards for travel and experiences have risen after the COVID-19 pandemic. They highlight that industrial land prices in certain areas are going through the roof, pointing towards a trend of re-industrialization driven by automation and the need to bring manufacturing closer to customers. Links: WelcomeToCloudlandia.com StrategicCoach.com DeanJackson.com ListingAgentLifestyle.com TRANSCRIPT (AI transcript provided as supporting material and may contain errors) Dean Jackson Mr. Sullivan. Dan Sullivan Mr Jackson, are you having a good mainland day? Dean Jackson I am. I've been, yeah, you know, I've been having a combination of, so far today, been on the mainland and in Deanlandia and there's. That's a good combination. Now yeah, here we are in Cloudlandia. Dan Sullivan Yes, yeah, well, it's a beautiful day We've had. Actually, by my memory, we've had a fantastic summer in Toronto, July and August. It's really great. You know Well, when it rains, it usually rains at night, and so the grass is all green. I've never seen the trees so green, so it's been great. I've been reading about forest fires you know I've been reading about hurricanes, typhoons, volcanoes, not in Toronto. Dean Jackson But we're going to have a, apparently because of the ocean temperatures, we're in for a potentially turbulent hurricane season, which is just getting going here now. So everybody kind of you know straps in between now and end of October to see what happens, right Well as we've been in the news. They'll let us know what you know when they put up the big red buzzsaw making its way towards Florida to get everybody all suitably panicked. Dan Sullivan Yeah, well, it's very interesting. The 1930s are still the hottest decade since the US has had temperature readings yeah, yeah, and the big thing is that we have so much news now. Everybody's a newscaster now with their cell phone. So what's gotten exponentially greater is actually people's first reaction to the weather, you know. Dean Jackson Yeah. Dan Sullivan And climate I've never experienced. You know, I'm 79 and to this day I've never experienced climate. I've only experienced weather. That's right. Is it my feeling? You know I don't have a climate chip in my brain. You know a climate. Actually. You do know how it's the average of a year's temperature in a particular spot. Dean Jackson Yeah, what's the? Dan Sullivan climate Right, exactly, and the spot where you're sitting is different from the year than 100 yards away from where you're sitting. Dean Jackson That's interesting. Yeah, the whole. It's all different, right, everything that whole. Yeah, I look at those as one of those things. We're certainly in you know an age, like you said, with the news there that everybody you know. I mean when you look at from you know I think about the big change again when we went from you know no new. You know the local town prior kind of the voice of what's going on. Dan Sullivan So when we got to, a unified voice of. Dean Jackson You know the, when the radio and the television became the unifying, that's really what it was. It was a unifying thing for the first 30 years of it and then when the affiliate you know the network kind of thing allowed local voices to be, you know, you got the in the beginning. It was when you were born all it was the national radio and national television right. The television wasn't even a thing when you were born in 1944. Dan Sullivan In the 40s, no 40s, so when you were a young boy, you got your first face to Howdy duty. Dean Jackson I mean, that was, that was something, I guess huh. Everybody got introduced to Howdy duty. Dan Sullivan Yeah, I was, and there there was. I can figure it was like 1953, maybe 1953 that I became aware of television, because some neighbors had it and and you know, and it was the three you know ABC, cbs, nbc but then where we lived in. Ohio. Dean Jackson we got Canadian Broadcasting Corporation from there and so I was aware that there was this country across the lake, yeah, and so yeah, it's very interesting, isn't it, that then, you know, by the time we got to 1980, we ended up we had 13 channels. That was a big, that was a big jump in the next 30 years. But all of those 13 channels were both distributing the national content of ABC and BC and CBS, but they were also producing local content. And now we're at a situation where you had, you know, 13 channels with multiple, you know, regional voices, the market affiliate, affiliates, and now we're at a stage where there are, you know, five billion voices all going through the three you know that was funny because, we've come down to, the channels are the same in terms of Facebook, instagram, youtube, twitter. Mr. Beans, yeah right, well, these are part of the YouTube network there, you know, but not now the platforms are there, but everybody but there's, you know, billions of voices on those same things, and that that's where I see that this next 30 years or however long, I don't know how long it'll be because you can't imagine what you can't imagine. But you know, I don't see anything on the horizon that's going to things like. It feels like all the pieces have locked into place for a period, you know, asymptotic plateau of creativity, now that everybody of reach, everybody's got access to it. Dan Sullivan It's really fascinating, and you're absolutely right that I have never had the experience of imagining something that I couldn't imagine Exactly. Dean Jackson That's right, everybody had the first thought to imagine it. You know? Yeah, I was looking. Dan Sullivan I had an interesting project project, a sudden project, this week. Do you know Matt up church? Have you ever? Do you remember Matthew up church? Dean Jackson Matt. Dan Sullivan Matt. Matt, the founder and owner of Virtuoso, and Virtuoso is the biggest network in the world of affluent travel agents. Dean Jackson I'm a member actually. Dan Sullivan Yeah, that's good, okay, yeah, they have this very posh magazine that comes out every quarter, every month. Dean Jackson Yeah, I get it from the Sims. Dan Sullivan Yeah, yeah, and he was. Matt was in the program a couple times. He was in the 90s and then early. I think he came in right around late 90s and was in the 2000s and then I think he was there in the teams and, but in 2003, so 20 years ago right about now I was guest speaker at his annual conference at the Bellagio in Las Vegas and I think about 2000. They're about 2000 travel agents there and there's a lot of travel companies there to like hotels and resorts and cruise lines, you know, and they have sort of a rapid get to know you sort of day, you know, when you meet somebody for 10 minutes and then you meet for another 10 minutes rapid work. Yeah, so I gave a talk and I created a workbook and so it was probably about a 90 minute talk with about an hour of Q&A and then you know, then there was a half hour afterwards where people just mingled and but what I was telling them about was the, because of digitization, that so much of the standard travel agency business was going to be completely commoditized by Expedia and you know, like that type of thing. And so and I give a set of predictions and I also said that there's a bypass to all this if you master DOS the dangers, opportunities and the strengths and you just zero in very deep on your best clients and you identify, when they're traveling, what are the dangers that they experience. In other words, they could lose something, what are the opportunities that they could gain something in the strengths that they have. And as a test example, I did it on Babs and me, showing that how we like to travel and you know experiences that we really don't like having experiences that we love happening. And the strengths that we have to really enjoy and explore particular type of experiences. Okay, and I gave that to them and talked it through, but I gave as an example a hotel resort in Ravello in Italy. So the Malfi Coast, you know you get South and Naples and you get you know, and you get town and Malfi and Ravello there's like four in the island of Capri is just up here. So I'm sure really classically beautiful and luxury type of setting and it was and I'm not, I can't quite remember, but I think it was probably might have been right near the end of the 90s that we had gone there because we were going on a hiking tour with a group of people for about six days on the Amalfi coast and but before we went for about three days and stayed at the resort in Ravello which is called the Pozzo Saso and it's a beautiful. It sits way up high, it's a couple hundred feet off the water there. You know that part of the Mediterranean I don't think that's exactly called the Mediterranean there, but it's part of the Mediterranean and you can see down the coastline easily 50 miles and our staff had told the staff of the resort that it was my birthday. So the second day was my birthday and from morning till night everybody in the hotel said happy birthday, mr Sulton, happy birthday. Dean Jackson You know. Dan Sullivan And then they there were nonstop treats throughout the day breakfast dinner there were treats and they communicated the conference, the Bellagio Conference. Virtuoso, I communicated. That's how I like that type of treatment. Dean Jackson I like. I like that. Dan Sullivan I like that when my treatment is like every day's my birthday and so, anyway, a really neat little reward for my talk was that then, after I got talking, there were a lot of people came up, shook my hand and everything. And this little man came up and he had almost tears in his eyes and he says Mr Sulton, I'm the general manager of the Pozzo Saso. And I don't I can't, I can't express to you what you've done for my trip to Las Vegas. He says everything I could have possibly hoped for here. You know, because there's competitors, the whole room is filled with competitors. They're gonna spend their money on something you know, and so anyway, it was really funny, and that's it. I didn't remember this, really, for I never used that particular approach again. And so we got a call that they're at their same meeting this year and they have 5,000, they have 5,000 now because Virtuo so has really grown and they asked if I could do an update on what I had predicted. And I went through it and I said well, everything you know, I mean, once you grasp the technology. If you're just giving a standard service, technology is going to commoditize you. you know there's I mean that's not such a great prediction backwards. Dean Jackson That's funny you know you're on the right path. Dan Sullivan You can't digitize that experience that you have, and so they asked me if I had any further thoughts of what the next 20 years would look like, and I'm right on the spot, I said well, the world's gonna change. Everything that you've been experiencing for the last 20 years is gonna change much more drastically than it changed over the last 20 years, and the reason is I call it the force. I just nicknamed this. Dean Jackson The force slowdowns Okay and I said this was the force slowdowns. This feels like breaking news right here. Dan Sullivan Well, this is like Cloudlandia. I mean this. I had to give you that background, just to accept it as a Cloudlandia idea. You know, I mean, there's tough standards. There's tough standards to even be able to listen in on Cloudlandia, let alone speak on Cloudlandia. And I said the first thing is the cost of money is gonna go up and we call it in most places. We call that inflation. So right around the world there's just massive inflation, except for those places that have already been so undermined by inflation that they're now in deflation. And there's one big place where that's happening right now, and then the deflation is where you. Deflation is where the value of everything starts going down significantly. It's not just the cost of things. Inflation is really a function that things that you really want are gonna cost you more. And so for about 20 years we said that around 1%, 2%. You know it was the lowest inflation period since probably the last 20 years have been up until COVID was the lowest inflation. So the cost of money and that means borrowing money is gonna cost you a lot. And you know, here in Canada it's around 7%, you know, 7% to get bank loans, and the US is more or less the same. Second thing is the cost of energy is going way up in most of the world. Okay, and I'm gonna make a proviso where I say in most of the world, it's going to. So, just prior to COVID, the cost of transportation, the overall cost of transportation to get anything in the world, anywhere else in the world, was 1% of final product. So you know you get something from 10,000 miles away. The transportation cost of that was 1% of the final cost and I would say well, first of all, there's places where it's gone 100%. Russia is being one of the places Russia shipping anything in the world. It costs them 100% and the reason is they can't get insurance for any freighter. You know freighter that goes into a Russian port Automatically. None of the big global insurance companies will insure it. You just can't get insurance, and that's not just Russian boats, that's anybody's boat If you go into Russian territory and they don't have that many ports. They've got about four points. I mean they're 11 time zones wide and they've got about four meaningful ports. And two of them are right in the war zone. Sevastopol and Odessa are two big ports and so you can't even get. Nobody will take their boats into that area, so they're in, you know. I mean, the cost of transportation is really high when you can't transport. Dean Jackson Right, exactly, you can't get there from here, right yeah? Dan Sullivan And then the third is the cost of energy, because one, the war is a particular situation, but the cost of energy has gone way, way up. We had really cheap energy over the last 20 years, so now it's gonna go up and this isn't a momentary thing, this is going to be, you know. And then the fourth one is the cost of labor. Especially skilled labor, is gonna go way up, and skilled labor covers a lot of things, but it's basically that there would be competition to hire you if you were working someplace. There would be competition from the outside that you would offer somebody more to move from where they are, and anyone who's got skills that would do that. And if you're so 18-year-old in Toronto today, if they take a 10-week industry sponsored training course, they'll get a certification at the end of 10 weeks and a year later they're making $60,000. Within three or four years they're making $100,000, and they'll never make less. And there will be constant bidding because we've gone basically in North America, a lot of parts of the world. We've gone probably 20, 30 years without any real emphasis on skilled labor, skilled labor, Skilled main land labor. Dean Jackson you mean yeah, or everybody's going into the skilled club land labor. Dan Sullivan Yeah, and a lot of them. Dean Jackson There's so much of it and that's being replaced by AI now, yeah, exactly, you're not gonna have a, you're not going to have an AI sneaking your toilet. Dan Sullivan No, there won't be AI, plumbers, ai, carpenters, ai all the skill trades that's every kind of factory work requires skill training. Dean Jackson So anyway, those are the four slowdowns. Dan Sullivan So those are the four slowdowns and the biggest thing is going to slow down as technological experimentation, innovation, that's going to change really fast and you could see at the end of starting in, probably beginning of 22 last year, there was more firings in the high tech industry than probably in any other industry, and the reason for that was they were hiring people for projects they were going to do 10 years from now and they don't have the cap. The money is too expensive to be paying for things that aren't going to get a payback in 10 years or so. So what I'm saying is and you brought this up, it got me thinking the last podcast we had you brought up that we may now be in sort of a plateau period, like you described the 50s to the 80s. Dean Jackson And. Dan Sullivan I think we're right now we're going back into a plateau period. Dean Jackson Where there's a lot of development. Dan Sullivan There's a lot of development and a lot of more productive uses of what we already have. Dean Jackson Yes, and that's what I think it is now. It's going to be the application through those pipes, just like the iPhone in 2007,. That laid the groundwork for the app culture that brought us Uber and Instagram and Facebook and YouTube all the big things that we use on that vehicle of the phone. And now it's really. This is what I'm fascinated by is who were the big winners and how was the big adaptation to the tool set that was available in 1950. If you think about that, as by 1950, we had television, radio, we had the plane travel, electricity, automobiles, all of those big things that were highlighted in the big change from 1900 to 1950. Were the big winners and continue to be the big winners of that period Of an. Is it adapt, being adaptive on that? Because it wasn't a big period of invention, it was a capitalization of. You look at the packaged goods, the consumer goods really boomed in the 50s and 60s through television advertising. You look at Procter Gamble and big packaged goods companies that knew if we just package up a product, put it in front of the audience. We know everybody. We know 50 million, 53 million people or 60 million people were watching. I love Lucy in the fifth. Those reach audiences. I think Gunsmoke was like a high watermark of the large audience. Then it started going down from there. I saw a chart where that was the peak 61 million I think was the largest television audience in 1960, something whatever Gunsmoke was at its peak. Dan Sullivan Then there were single events like Elvis Presley, the Beatles being on the Ed Sullivan show. You had single events. There were things like that as a series. I bet your numbers are dead on. Dean Jackson While the number one shows on television what did grow during that period. Dan Sullivan I love that period. Dean Jackson That's why I'm asking you and my observation. Dan Sullivan First of all, if you were in putting in superhighways, that was a really big deal. The Turnpike, the cross-country interstate highway system, had just crossed Ohio, probably around 1956 or 57, on its way to the west coast. The other states were building but they weren't connected. They weren't connected yet. Dean Jackson The. Dan Sullivan Ohio Turnpike was just a continuation of the New Jersey and Pennsylvania Turnpikes. These were toll roads. That was it. The other thing was an enormous movement of industry out of the big cities, the big northern cities. I grew up in northern Ohio. Ohio was the most powerful industrial state in the United States, starting probably in the 1880s. 1890s it was just a powerhouse. Pittsburgh was famous for steel, but Ohio City's young down to Cleveland. Cleveland had as much steel as Pittsburgh did, but it was spread out over three countries. It was all geared to Detroit. All of a sudden the automobile industry really consolidated down to just the three companies. Dean Jackson That was just Ford and Chrysler that created the suburbs that created the suburbs. Dan Sullivan The other thing was retail changed because every time you put one of these interstate highways in, you bypass small towns. So small town retail started to die in the 50s because shopping centers and shopping malls may be between two small towns or three small towns but everybody went shopping in their small town, except for daily convenience. But they would go to the shopping mall. The shopping mall went through the industry the other thing that's a whole industry but it was air conditioning. Air conditioning allowed people to move industry and commerce and everything to the south. You wouldn't want to be in Orlando in the 1950s. You weren't too warm to do productive work. Dean Jackson Right, I'm recognizing now the pattern of so. We went from the general store to the main street in small towns, to strip plazas in the 50s, to shopping malls in the 70s, 80s, 90s to Amazon. Now. Amazon is basically or online, where we get everything, every physical good that you could imagine. Online is really the thing. But that's an interesting evolution. Right From main street to when we had automobiles and went suburban, it was the strip mall and then where you could drive your car up into the parking lot and go to the plaza where there was all of the collection anchored around a grocery store, perhaps in a dry cleaner, and putting everything in one place and then that led to the franchise, as a great thing, because the homogen that you created a homogenous vibe in the country by unifying everybody around the television. Everybody was seeing what leave it to be and that whole, all of those shows. Dan Sullivan And the other thing is that the cars became more comfortable because people could go on long trips now, so I remember when you got air conditioning in the cars and so the other thing about it was the recorded music industry went through the roof in the 50s, 60s, you got 45s, came in 33 and a third came in and 45 came in and the late 40s and 40s. Dean Jackson And so the recorded part of what drove the recorded music industry was that they had a discovery device of the radio that you could play music over the radio and that would draw and they would be on bandstand and be on the Ed Sullivan show and be on the thing. So everybody would gain an awareness and, you know, you could create that sensation which drove people to the local record store to buy the records. And that's where that really took off. You know, now we're in a situation where the you know it's certainly, I think, more of a meritocracy now in a way that anybody, it certainly. You look at Peter Diamandis's six D's were certainly up into the democratizing phase of that. Anybody could. I mean you and I could make a hit song if we wanted to and put it out, and we've got as much. Dan Sullivan I think we could have a hit song made. Dean Jackson Yes we don't want to apply it ourselves. Our leadership and finance. Dan Sullivan I think it would upset our daily lifestyle if we were yeah, we can who, not how. Dean Jackson We can who, not how. Dan Sullivan Yeah, it's long right but I had a really great example of that on Friday morning so I had a podcast to Belfast, ireland, great guy, and he's got a coaching program called, which is simple, scaling you know how, helping entrepreneurs to scale their businesses and it was great he went. We went twice the a lot of time because neither of us had a hard stop and but you know he's got a hundred thousand that download the world he's in a hundred countries, you know wow and you, and you and. But you and I have looked at this, you know, from a cost standpoint. I mean, once you bought your computer and you've got an internet line, the rest of it's pretty. I mean there isn't a lot of cost to this. But here we guy, he's got a hundred country worldwide radio station, then he's got a audience of a hundred thousand. You know yeah, and and that my past. And I mean, if you compare that back to what that would have taken, well, let's go 25 years ago. I mean, yeah, achieve that 25 years ago. Dean Jackson It would have cost you so much more, you know when you look at her Carlson, that's a good example right now. Yeah, what's happening? Dan Sullivan I mean it's taking him about two or two or three months to sort of get used to it. And now his show is more powerful than when he was on Fox, because he got three million. Dean Jackson Three million to 13 million average viewer. Dan Sullivan Yeah yeah, and that's. He's done that in three months. You know, yeah, I mean yeah, but now you know the thing is you and I could do exactly like. Dean Jackson This is where the thing is. The difference is the is reach. You know it's not the capability I mean, it's certainly you and I and anybody listening right now has the capability to create a vehicle, to create the podcast, to create a show, to create let's just call it content, to create content that you know could have that kind of impact, but it's just breaches the ultimate scale of this, you know, and it's not, yeah, but that requires the interesting thing is, the more reach that you have, the more you acquire new capability to go along with it, you know and the more your vision gets bigger as your reach gets bigger. Dan Sullivan It was like we have the same landlord are building in Toronto. We don't own the building because they don't sell their buildings and it's a perfect building for us, but yeah, labor Day. So we're a month. Within a month, we will have been there 32 years in that building yeah, you're the you're the only tenant from about the middle of 2020 to the middle of 2022. We were the only yeah, and the check for them was there every month, anything like that. But about 15 years in we haven't. I haven't talked to the landlord. Probably since 2000 I've talked to both of them socially. I've met them, you know, in social events, but I haven't talked to anyone, let's say around 2011. So last or 2001 I've probably talked to them in year 10 of our stay in their building and I was unusually from his perspective, I was unusually funding that day and he says I don't remember, I don't remember, I don't remember you being that funny when you moved in and I said I find my sense of humor is strictly a function of cash flow, right? yes, there's a correlation there or the bigger the cash flow, the bigger the cash flow, that bigger my sense of humor. Yeah so, so anyway, but it's very really interesting how I you know this is and he really we've had and the reason he did it is because of the book, the ten times since he's here at them, two times okay, and first of all, the way I did the book, you know, with Ben Hardy, that probably was not possible 20 years ago, 30 years ago right the way. I did the book. Yeah, because half the most profitable part of the book is not the book itself, it's actually the audible version of the book. I mean once you made your first audible recording. From the standpoint of the publisher, there's not really any cost, is there? You know right, that's exactly right and yet it works out one to one for every, you know, paper book that sold. There's another sale that's a virtual. It's either Kindle, you know, it's either ebook or it's yeah, it's audible, and so that wasn't possible 20, 30 years ago. So I think, we're pointing out a direction here is that I think there's gonna be two extraordinarily valuable world. I think high-quality mainland activities are getting going, grow and grow and do you? Mean by that, hi what? When you well, I think people had two years basically not going anywhere during COVID yeah and I think there are standards of good what they want to do. If they go so much, somewhere has gone up, I'm going to take the effort to travel. I mean we never gave any thought to travel before COVID. I mean you were all around the world. You were in Australia. Dean Jackson Every year, all the time. Dan Sullivan Yeah, yeah, and you were in Toronto. You were in other places in the United States and I think that it has to be something new, better and different for you to really get on a plane and travel somewhere. And it's the same with me and I've gotten about five. Speech. Offers big audiences 500 to 2,000. And I say I'll do it by Zoom, but I won't travel, I won't travel. And they said but the price they're offering this year for speeches is way above what it was three years ago. And I said it's not the money, it's the time, it's the time to bother. Dean Jackson I said that's not the money Right exactly. Dan Sullivan Yeah. Dean Jackson Yeah, that's what I'm talking about. Dan Sullivan I mean in your experience, in my experience. I think you can see a trend here. I am too. Dean Jackson Yeah, exactly, I'll tell you what would be a new and unique and delightful experience is my ears perked up to FreeZone in Toronto in April of next year, that might be enough to tell you I'm very excited to get me on a plane, very excited about that actually. But, D, you know, well, that's good, that's good. Yeah, well, I'm going to go back to my team. Dan Sullivan I said I just got word from Dean that he's really interested and we said, well, it's a lot of work. But you said we just have to have an offer for Dean that's compelling enough that he'll come to Toronto, did you see? That's it. I mean it might be a one person FreeZone, but it's worth it. Dean Jackson The table 10. We need anything. That's what I really miss the most the many of it. Dan Sullivan Yeah, well, the table's still there, but it's not 10. Dean Jackson Hey, did anybody take? Dan Sullivan over Jacques. Dean Jackson No, it's something else. Dan Sullivan now it's not a restaurant anymore. Oh, that's a shame. Dean Jackson Well, when you were saying thinking about the high quality mainland experiences that I'm noticing here. So there seems to be a trend. Now that's happening is gathering spots in a way. Now there's almost like modern day food court type of things, where we're getting a new place. Two of them in Winterhaven that are sort of outdoor common area with venue for live music and tables and picnic tables and that's stuff where you can kind of gather with a bunch of people but five or six restaurant concept, almost like food trucks or whatever, but in places where you can go and have five or six different food restaurant choices other than each of them opening up an individual restaurant they're sharing a common experience and architecturally they're really. They're reclaiming old warehouse space and things that are. They're making them really architecturally interesting and integrating outdoor space to make them really like you want to be there. Dan Sullivan Interesting, I was thinking about that this morning because on Richmond Street West. So if you remember your map, portland, where Portland Street is in North South Street and then you have Portland and a lot of restaurants. So it's just, it's north of Adelaide Street and then you have Richmond, but what's really interesting, there's a whole factory, old factory that was taken over and it was gutted, and it's a food center, just like you say, with lots of but the anchor restaurant in there is Susar Lee, so you can say that, yeah, I was going to say I just read about Susar Lee, yeah. And so the rent he was paying rent on just on King Street. So he's jumped out. His lease came up and he jumped and they offered him to become the anchor rest. So he'll have his whole restaurant in there, but instead of it being out on the outside, it's the rest of the food court with smaller restaurants and there's seating areas out in the center, but he's got his own seating area, like it's like a patio, but it's so. We were thinking about going there this week because it just opened in July and we wouldn't have gone there for the sake of the food court, but we would go there because that's where Susar is. Dean Jackson That's really interesting, because I just like. Dan Sullivan I mean, it's totally what you're talking about. Dean Jackson And it's just so funny that you mentioned that specific place, because I was just on Toronto Life this morning looking at that, because I often go there just to see keep up with what's going on, and I saw this about about Susar Lee's new place. So yeah, that is funny, but so that is kind of like now bringing it's almost like bringing back to the mainland being the, because that's a mainland experience. Dan Sullivan Yeah. Dean Jackson Digitize that yeah. Dan Sullivan And I mean there's just an enormous condo building going on in that area, so the residential population is always going up in that area. As a matter of fact, suit Sasha Kersmerk. Sasha, I think you know Sasha, he might. Sasha is almost 20 years in coach. He's the number one site surveying company in Toronto. Okay, so nothing. No project starts until the site survey is approved. Dean Jackson Right. Dan Sullivan By city officials and he's got roughly 80% of all the site survey projects in the city right now. I mean he's just the dominant and he said that basically from the plan for Toronto is from the lake going north. If you have Jarvis on the east and you have Bathurst on the west, okay, so you can think of all the streets in there that would go there, from there to basically four street, davenport, you know Yorkville. Dean Jackson Okay, yeah. Dan Sullivan It'll look like a mini manhattan island in 30, 40 years. Dean Jackson Yeah, wow, that's very interesting. It'll be all high rise and there's still high rise, yeah, and that's kind of the thing is being able to see that if you just look with your 2040 goggles on to see where that's heading, yeah, it's probably 2050, 2060,. You know and everything like that. Dan Sullivan But the other thing is Toronto is becoming very quickly a major industrial city between here and so here on Lake Huron it's all the way to the bridge across to the United States at Buffalo or at you know, the bridge in St. Dean Jackson Catherine's that goes across, and then in Western Ontario, the. Dan Sullivan Windsor-Chatham area to go across the Ambassador Bridge in Detroit and half the Canadian GDP. Gdp you know, money in, money off goes across those two bridges every year yeah. And the Canadian economy and he said the price of industrial land from here to Niagara Falls is just going through the roof. And he said things that were plotted out as residential areas. You know, single family residential areas they're getting outpriced in the market now by the industrial competitors. And it makes sense too if the Canadian dollar remains always weaker against the American dollar. It's, you know, it's $30, $34 today, you know. So there's always this big differential between the, because US is much more powerful economy you know it's got nine times the population. You know it's got nine times. It's got probably 10 times the consumption dollars that are available in all areas of business. So so you know you'll have an American factory and they say we're going to put a factory near Toronto on the Canadian side, and we're going to manufacture everything, paying Canadian prices for the manufacturing, selling it into the United States, bringing it back from the United States. Dean Jackson Wait a minute. That's your playbook. That's not any of your playbook. Dan Sullivan Oh, Mr Sullivan, this is Revenue Canada. We want to have a chat with you. Dean Jackson Yeah, exactly that's funny I was listening to. Dan Sullivan I was listening to Cloudlandia. Dean Jackson Oh man, that's funny. Dan Sullivan I get more tricks from Cloudlandia than anything else. I listen and watch. Dean Jackson I wonder you know if it's so, I think now a lot of this industrialization or re-industrialization, is it, do you think, driven by automation, like robotics and you know, automating manufacturing processes, that or what is it, do you think Well? Dan Sullivan I would say half of it is we can't trust China for anything in the future and everything that's being manufactured in China. We've got to bring it back. And since we're moving it out of China, we can get the same kind of deals in Mexico or even in the middle of the United States, and it will be 21st century industry, industry, and it'll be 21st century. The US has the greatest skilled population in the world. A lot of people don't think that's true, but hands down, at all levels of the economy, united States has more educated, skilled work per capita than any other country in the world. So the US there's factories in the US that can produce that the same, and it's skilled labor plus automation. So automation is definitely, I would say it's 20% of it. But also making your staff really close to your customers has enormous savings. Dean Jackson Yeah, yeah, it's fascinating times, Dan. I mean, if you're thinking, I have really been thinking about if we are at a plateau. Dan Sullivan Well, I think the I mean if it costs more for money, if it costs more for transportation, it costs more for energy and it costs more for labor, things are going to slow down. Yeah, and you know just that welding example I gave you of the 18 year old who can be making. I mean, somebody goes to you know university for four and learns a lot of theory and you know, is maybe 50 or $60,000 in debt at the end of four years. The person at 18 who became a welder is already buying their first house. You know they're. You know Exactly. Dean Jackson Like think about how, when you take the, you know, when you take the net difference between them investing four years with no income and going into debt to get a degree that gets them an entry level job when they get out with that degree. And so you know that's not compared to coming into a training program and making $60,000 and at the end of the four years making $100,000 and not having any debt. You're so much further ahead on that foundation. Dan Sullivan Yeah, yeah, I think there's going to be an explosive growth of community colleges that are integrated with the local business, you know, the basic industrial population and everything else. I checked the numbers about two years, the number of community colleges in the US and these would be made. These would be mainly two year, two year community colleges, yeah, and there was just under just under a thousand and two things I think are going to happen. That number will probably jump to 2000 over the next 25 years. But even the thousand that exists will double their size. They'll double their enrollment. Yeah, that's interesting, and I wonder, though, if they're you know, because they're doing like yeah, I mean you have like George Brown and in Toronto, and you have there's about, there's probably about four community colleges. That would what do you call a community college in the United States? There are before them in the Toronto area and they're at maximum. You know, they're at maximum enrollment. As a matter of fact, they have waiting lists now to get in. Yeah, and that's all skilled. You know it's all skilled trades. Dean Jackson Yeah. Dan Sullivan You come out being able to you graduate on a Friday and you go to work on Monday. Dean Jackson Yeah. Dan Sullivan The employers come to the colleges and they interview all work interviews are in your while you're at college. You're getting interviewed and some of you you're actually working at the place while you're in college. And you know, and yeah so I think that whole notion. Dean Jackson It doesn't matter how much you're working at the college. Dan Sullivan It doesn't matter how much you spend on college, you'll get paid, you know you'll get paid in the future, you know you'll get paid off easily in the future. I think that ended no 809 actually with the downturn there and I think that that was a huge interruption in the connection between higher education and future employment and I think that COVID put the nail in the coffin to that proposition. Dean Jackson Yeah, Well, yeah, I remember hearing Sheridan College, I guess is the one is yeah, share, yeah, and I remember they were. That was like the Sheridan animators were really in demand, that there was one of the places where you know Disney and others were Pixar were hiring. You know all the newly minted, you know digital animators that were coming out of that yeah. So I think that Ryerson has been another one of those. Dan Sullivan Yeah, there's a new Sound Studio, mostly post production. One of them is just building new studios in our building, but therefore they're not. They're not for live. You know, live production, their post production. So they have editing studios, but right behind us. So Fraser is the front street for us, but behind us is one called Pardee, which is basically a parking lot, and way at the end they have a live production studio, while ours will start being built in September and we'll have it in about six months, based on all the great input by your guy there in Orlando. Dean Jackson You know, we've designed it. Dan Sullivan We can handle six different people at the same time, six different studios being used at the same time Great production. But next, you know, next March, next April. Yeah, you know, I'm gonna live a long time. What's six months? You know. Dean Jackson Right, exactly, yeah, yeah. Dan Sullivan Anyway, but I went over and we did our recording of the quarterly book because you need real top-notch studio for a court to go audible and it was really great, but the guy who was handling us was a graduate from Sheridan College. Dean Jackson Yeah, I'm excited, I'm really. This is my thought, for I'm gonna do some thinking about, you know, establishing this thought. If we are in a plateau period. If we are in a slowdown, but in a plateau period of what is gonna be the you know what's shaping up here to do that same thing. I love looking at things like this. We're just gonna put it together Macro level, like that. Dan Sullivan Yeah, I'm gonna do a little thinking to a four slowdowns. You know, money, energy, transportation, labor, and I'm just going to have our clients go through it and say, if this is the obstacle, then what's the transformation? You? Know, and so, and how do you take advantage of the four slowdowns? Dean Jackson I think it's a neat idea I do too, Absolutely. I can't wait. I love it. Dan Sullivan Well, what a great way to spend the late morning on Sunday. I can't think of any better way. Dean Jackson It's like the perfect and there's no collection basket. Dan Sullivan There's no collection basket, no collection basket. Dean Jackson Maybe we should set some in, though without. Oh, there we go. Dan Sullivan Yeah, Anyway, we could have. We could have a digital collection basket at the end. Dean Jackson There we go. Yeah, exactly that's so funny. Dan Sullivan If this was useful, just you know, put your card up there next to the scanner and yeah, that's so good, I love it, no need to make change and no exactly, I'm good so funny, alrighty. I'm good for next Sunday I'll be back here. Dean Jackson Me too, I wouldn't miss it. Okay, okay, thanks, dan. Talk to you soon, bye, bye.

Today's guest is Valerie Irons, an artist, sound alchemist, and breathwork practitioner who owns Aumbase (pronounced Ōm-Bās), a Yoga & Sound Studio and Adventure Tour company in Sedona, AZ. Valerie's journey is an inspiring testament to the transformative power of embracing new paths later in life. Ten years ago, at the age of 50, Valerie embarked on a new journey as a Sound Healer,, a decision that shaped the second half of her life and has allowed her to impact the lives of countless individuals seeking healing and self-discovery.  Her personal healing journey has centered around relationship wounds, abandonment, and worthiness and serves as a powerful foundation for the divine union with her soul mate - a beautiful story that began unfolding in late 2019.  In this episode, Valerie shared: The incredible love story she waited her whole life to experience and the vivid dream she had about it that years later manifested into her reality. (You gotta hear this!!!

Have you thought about recording music or music videos in the Bucks County area and not sure where to go? In this episode, Alex Neff sits down with Andrew Brown from Light and Sound Studio to talk about how he has been successfully helping artists manifest their dreams and turn them into a reality. Andrew's extensive knowledge and experience makes him uniquely beneficial to artists that may be struggling with a concept that they want to turn into reality. For more information, please visit:website: https://lightandsoundstudio.com/Studio Instagram: https://www.instagram.com/lightandsoundstudio/Live Shows instagram: https://www.instagram.com/lightandsoundstudiolive/Studio Artists Spotify Playlist:https://open.spotify.com/playlist/0jRmE4tGS6vBdHSv0bww9C?si=6e2b6e4cfd714416Facebook:https://www.facebook.com/lightandsoundstudio/Youtube:https://www.youtube.com/@lightsoundstudio8856/videos

On July 7th and 8th, we're celebrating the start of Season 5 with a live premiere, hosted by Lobe Spatial Sound Studio in Vancouver, BC. We've mixed a special version of the upcoming episode in 4DSOUND.Lobe Studio is truly a unique listening environment. Not only is there a completely immersive speaker array (the only one of its kind in North America) there are also vibrotransducers built directly into the floor. In short, it sounds amazing.We'll be presenting a 90 minute episode, plus a Q+A, because we expect you might have a few questions.Show times will be 7:30pm on Friday July 7th, and 3:30pm on Saturday July 8th.Space is limited, tickets are by donation. Get yours here: https://www.eventbrite.ca/e/lobe-artist-residency-series-spiders-song-by-future-ecologies-tickets-649188910507More about Lobe: https://lobestudio.ca/—————To catch FE5.1 before anyone else (early access on July 1), advance notice on other events, our wonderful discord server, and other exclusive content, join our community of supporting listeners at https://www.patreon.com/futureecologiesMeet everyone who supports the show at https://www.futureecologies.net/patrons

President Biden has a debt ceiling bill to sign after the U.S. Senate easily passes legislation. Paul Hare shares thoughts on how this will affect the financial future of the country. Cher recorded "For What It's Worth" in 1969 at the Muscle Shoals Sound Studio in 1969. We pay tribute to the historic studio used for that session. Also, the "Top Food Dishes In Mississippi" includes fried pickles, Delta tamales, and Mississippi Mud Pie.

Staci talks with the effervescent Ron Keel, frontman of KEEL—the hard rock band that formed in the 1980s and had hits with anthems like “The Right to Rock” (produced by Gene Simmons of KISS). Since then, Ron has fronted several bands and made his mark on country music. He goes into detail about his memoir, Even Keel; shares insight on recording at Sound Studio and Electric Lady; what it was like when “Parental Advisory” stickers were put on music for the first time; and there might even be a ghost story or two! Last, Staci shares an excerpt from the audiobook version of “Rock & Roll Nightmares: True Stories, Vol 1.”

On Friday October 21st, https://lobestudio.ca/ (Lobe Spatial Sound Studio) in Vancouver will present an immersive re-arrangement of our most recent episode, FE4.7 — Phase Change. You may have heard the episode before, but we guarantee that you haven't heard it like this. Lobe Studio is one of only three of its kind in the world, featuring a holographic 4DSOUND engine — this room goes well beyond surround sound. Doors @ 7:00pm Episode @ 7:15pm Q&A w/ Mendel @ 8:30pm Tickets (pay what you can) and more info: https://www.eventbrite.ca/e/future-ecologies-phase-change-in-4dsound-tickets-431292386137 (https://www.eventbrite.ca/e/future-ecologies-phase-change-in-4dsound-tickets-431292386137)

The SippinWitSammie crew took a trip to Sound Barn Studio to chat with Derek Chafin about his journey in the music industry and brand new studio space. Barstool talk from the biggest sipper in Philly with some of the most innovate people in the world, Sammie is the one to sit and sip wit if you wanna enjoy conversation. 00:00 TRAILERS 00:15 INTROS 01:15 LINKING WIT GRETCHEN EMERY BAND 06:00 DEREK CHAFIN'S START IN MUSIC 07:00 WE HAVE A STUDIO? 09:00 BEING IN THE SERVICE OF AN ARTIST 11:55 BARN SOUND RECORDING STUDIO 13:30 NO SIGHTLINE TO ENGINEER (ON PURPOSE!) 18:00 EXPRESSING A FEELING 23:00 GENRE-BENDING 26:00 BUILDING A PROJECT 28:00 ARTISTS ARE CONSUMED WITH SELF-DOUBT, IF YOU ARE ANY GOOD 33:00 SEEING PRINCE LIVE 38:30 CHALLENGING THE AUDIENCE 50:00 SOMETIMES YOU NEED A BALLAD 56:45 RECREATING THE EMOTION FOR A TRACK 1:00:00 MANTRA 1:11:00 TEAM ORIENTED 1:12:00 OUTROS #sippinwitsammie #ifuaintsippinwitsammieyouaintsippin #ifuaintsippin #geturfuckinglifetogether #craftbeerandcognac #victorybeer #glocawearradiostation #promotion #politics2potatochips #exposure #outlet #platform #pullupistrill #letstalkaboutit #iswear #toreup #hennessy #heineken #flytalk #thankgodimfly #backwoods #producer #neosoul #singer #entrepreneur #hiphop #phillyhiphop #phillyentertainment #phillymusic --- Support this podcast: https://anchor.fm/sippinwitsammie/support

Originally aired September 2020. Music and sound and the vibration and frequencies they emit, have a power to shift and transform us and even heal us. How? What does this mean and feel like? That's what this episode is all about. We have special treat, we recorded a sound bath healing session with Chrissy Earhart of Zenna Wellness Studio in Berlin, Maryland. What is a vibration in sound? How does it enter on a cellular level and how does sound heal us on a cellular level? What does it do to our body, mind and spirit? Headphone friendly episode, so listen with headphones!!! Intro and Outro Music written performed by Ilyana Kadushin and James Harrell This episode of NIK POD is sponsored by: Zenna Wellness Yoga and Sound Studio.

NOW AVAILABLE ON FOWL PLAYERS RADIO!! www.fowlplayersradio.comToday we welcome an old friend of mine, Dave Nachodsky! Dave is a producer and one of the founders of Invisible Sound Studio, and by his own estimation produced over 600 projects in well over 30 years. We talked about recording music, the ever changing technology, what bands must do to properly prepare for studio recording, some of the incredible amps, microphones, and other equipment that Invisible Sound owned over the years, and some of the acts that recorded there, like Red Die Number Nine, Andy Bopp, The Last Picture Show, Fit of Frustration, Orangeseed Parade, and Twenty Ripped Angel.After nearly 35 years in business, Invisible Sound closed in 2018, but Dave is now working for Stages Music Arts in Cockeysville, and he will tell us more about that as well.www.stagesmusicarts.comThe Fowl Players of Perryville are now booking shows for 2022! We have some shows coming up on Maryland Party Boat and Western Maryland Scenic Railroad. For more information please call 443-600-0446 or see www.fowlplayersofperryville.com  Subscribe for free at www.fowlplayersradio.com or listen wherever you find podcasts online.No matter what platform you listen on, you can help us greatly by giving us a fair review and a 5 star rating!Also- be sure to visit our page on patreon.com- www.patreon.com/fowlplayersradio!Fowl Players Radio now has selected episodes on YouTube!#davenachodsky #invisiblesoundstudio #stagesmusicarts #fowlplayersradio #michaelspedden

Night Owl Sound Studio host, Kit Crumb answers an email and reads one of his strangest stories.

This month Mike and Brock talk about Sweet Tooth: Out of the Deep Woods, the first volume in the classic comic series about about strange animal hybrid humans and a dystopian apocalyptic landscape, shaped by a global a pandemic. This is also Nowa hit show on Netflix and the second season is on the way so take a listen and see what all the fuss is about! We talk about this title and some similar comics, all of which can be accessed on hoopla digital and read using your library card. This is the last episode recorded with Brock in the Sound Studio at Slover Library in Norfolk, VA. Maybe he will join us remotely from his spooky Virginian manor in the future... stay tuned to find out!!! Sweet Tooth Vol. 1: Out of the Deep Woods https://www.hoopladigital.com/title/11682568 Sweet Tooth: The Return https://www.hoopladigital.com/title/14444428 Walking Dead Vol. 1: Days Gone Bye https://www.hoopladigital.com/title/11903747 The Road by Cormac McCarthy (audiobook) https://www.hoopladigital.com/title/13523763

S04 E91 | This week, https://instagram.com/therealdjlonzo (Trent) and https://linktr.ee/barrettgruber (Barrett) are sans https://twitter.com/carolinaking21 (Zac) again, as he has made the leap into adulthood. (We'll just leave that right there.) Hey! The Atlanta Braves became World Series Champions this week by taking a HUGE WIN in game 6 against the Houston Astros! Trent and Barrett both agree, the Braves need to keep https://twitter.com/freddiefreeman5 (Freddie Freeman), as well as https://twitter.com/solerpower12 (Jorge Soler), Adam Duval, and Eddie Rosario! Our Opinions. We talk about the Biden Administrations Vaccine Mandate for employers with 100+ employees. We talk about Aaron Rogers tests positive for COVID-19 and how the Corona Virus spreads faster in the winter months, and parts of Europe are seeing a record number of infections. We do another geography check on Trent, and Barrett is right about South Carolina being on the same longitude as Northern Africa. Donald Trump's new Social Media Platform "TRUTH Social" will be coming soon. All of that, and more! As always, the show is Recorded Live from the https://gotsoundsstudio.com/ (G.O.T. Sound Studio) in Columbia, South Carolina! Please Subscribe, Rate and Review! We really want your feed back on the show.

S04 E90 | Because the show must go on, this week, Barrett and Trent are sans Zac, who is using the next several weeks to move from his childhood to adulthood. Sort of. Zac has bought a house and they are moving. So during that time, the show must go on. Barrett and Trent discuss Joe Manchin, West Virginia, and the Infrastructure/Reconciliation Bill, and our opinions on that. We talk about briefly how you should not click on links that look like they are from Facebook, unless you specifically initiated them. The Atlanta Braves are just one win away from being World Series Champions! And Trent and Barrett throw out missed Halloween costumes. All of that, and more! As always, the show is Recorded Live from the https://gotsoundsstudio.com/ (G.O.T. Sound Studio) in Columbia, South Carolina! Please Subscribe, Rate and Review! We really want your feed back on the show.

S04 E89 | Zac and Barrett welcome NiqueTheGeek to sit in on the first half of the program to discuss the adventure from Friday night at the Cayce-West Columbia Jaycees Hall of Horrors Haunted Attraction! Trent gave us some Radio Gold with his interviews, but the icing on the cake was Trent walking through the Haunted House. After the break, Barrett and Zac discuss some of what we missed since our last show including he U.S. / Canada / Mexican borders being opened to Non-Essential travelers as long as they meet certain COVID requirements and legality. We also discuss William Shatner (a.k.a. Captain Kirk) riding the Blue Origin rocket into space and what an epic ride that was for him. We talk a little D.C. Comics too. All of that, and more! As always, the show is Recorded Live from the https://gotsoundsstudio.com/ (G.O.T. Sound Studio) in Columbia, South Carolina! Please Subscribe, Rate and Review! We really want your feed back on the show.

S04 E88 | This week, Barrett, Trent and Zac welcome entertainer, recording artist and drone pilot, https://www.flowcode.com/page/rodfly92 (RODFLY)! We discuss new projects, including his latest project, "Midnight City Vol. 1" and his knowledge of Trent. In the second segment we welcome Jimmy (Chapter President) and O'Shawn (Creator of Nightmares) from the http://www.cwcjaycees.org/ (Cayce-West Columbia Jaycees) and discuss this years https://www.facebook.com/hallofhorrors (Hall of Horrors Haunted Attraction) and everything that goes along with that. The Jaycees create a world of scare; all proceeds going to charities around the Midlands and State of South Carolina, including https://www.clemson.edu/cbshs/centers-institutes/outdoor-lab/camps-programs/camp-hope.html (Jaycee Camp Hope)! All of that, and more! As always, the show is Recorded Live from the https://gotsoundsstudio.com/ (G.O.T. Sound Studio) in Columbia, South Carolina! Please Subscribe, Rate and Review! We really want your feed back on the show. Visit Us; (https://theallaboutnothing.com/ (https://theallaboutnothing.com)) You can find details on how you can become a Patron at the top of our homepage!

This week welcome https://linktr.ee/helloshello15 (Shello) (Amp) to the show! We discuss new projects and everything he has going on. We also do a deep dive into the the life of Marjorie Taylor Green, Representative from the 14th District of Georgia. We discuss some of the events that may have formed the person that has become the Villain of Congress. Trademark. All of that, and more! As always, the show is Recorded Live from the https://gotsoundsstudio.com/ (G.O.T. Sound Studio) in Columbia, South Carolina! Please Subscribe, Rate and Review! We really want your feed back on the show. Visit Us; (https://theallaboutnothing.com/ (https://theallaboutnothing.com)) You can find details on how you can become a Patron at the top of our homepage!

Cindy Alexander is no stranger to overcoming the odds: A cancer survivor, mother of twin girls, and a successful touring independent artist for 15 years prior to signing with Blue Élan Records. Writing a record while her mother was dying from dementia, recording while navigating a world of pandemic and protests, and trying to finish anything while teaching her kids from home during a “Safer at Home” order were just a few more elements to add to her already colorful story of personal perseverance. Cindy tells it like it is – the Truth with a capital “T.” As Cindy says, “I can't pretend that everything's ok, because it's not. But, I always see the light – in you, in me, in the world that was created from it. My journey in this body is about finding it, sharing it, becoming it. It's a struggle. It's painful. It's delightful. It's ecstatic.” While the Angels Sigh is at once a musical affirmation of personal power and grace and an acceptance of human weakness and fallibility. Cindy Alexander has written a songbook for the sandwich generation, with wisdom for millennials, and gratitude to the generations that came before her.It took two years to curate the song list with executive producer and label co-founder, Kirk Pasich. “It was two years of me digging deep, during a dark time, to believe in myself and my musical mission, even if others did not,” Cindy explains. “I committed to sharing my truth and my passion, to work with people who could help me manifest my vision, and seized the opportunity to create without being edited, censored, or silenced. I am so very blessed that Blue Élan Records gave me that opportunity.”By late 2019, Cindy Alexander sat in Sage & Sound Studio with a dream team of musicians, led by producer/bass player Sean Hurley and producer/drummer Victor Indrizzo. The first song they tackled was “Try Try Try,” a co-write with Cindy's career-long collaborator, Grammy award-nominated producer, and songwriter, David Darling. The song is about trying to connect and reignite the passion when life gets in the way and distracts us from what really matters. While writing the song, a distracted Cindy had fallen and broken her elbow and wrist while running to make a meeting (“at least I feel alive…bleeding from a break”). It was Kirk's idea to record a second “live” version of the song (all players in one room in one take) as an acoustic ballad, turning a sexy bar burner into a trippy, hypnotic siren song.“Room at the Bottom,” a tongue in cheek ode to the down and out musician, as well as an answer to Tom Petty's “Room at the Top,” was built around a signature guitar lick by David Levita (Alanis Morissette, Lana Del Rey, Sheryl Crow) and a scrappy, beat-up piano part by Michael Farrell (Alanis Morissette, Macy Gray), achieved by placing three No.2 pencils on the piano strings to create the distortion.“Broken but Beloved,” a song about impermanence, was recorded with Grammy award-winning producer and engineer Ross Hogarth at Sunset Sound. It was the last in-person session before the Los Angeles lockdown order took effect in March 2020. Cindy's dear friend and touring buddy, Michael Bacon (one-half of the Bacon Brothers and award-winning composer) contributed cello from his studio in New York. After recording his part, he sent Cindy a note, in which she found the title of her new record:“When I write my ‘Remediation Practices for Enduring the Pandemic,' chapter 2 will read 1. Get an amazing lifelong friend who's got Beverly Hills chops but keeps it real. 2. Have her write a beautiful song. 3. Have her ask you to put 1,000,000 cell parts on it. 4. Do that. Title of the album: ‘While the Angels Sigh.'”Tracks were transferred back and forth throughout the 2020 quarantine between home studios and finally finished up in Cindy's bedroom at her new home in Big Sur. 

S04 E86 | This week Barrett, Trent and Zac welcome Keith back to the show to discuss Nicki Minaj and her claim that her cousin has a friend who got the vaccine and had a "couple" adverse reactions. We also discuss our reaction to Gen. Mark Milley's act of patriotism, calling his Chinese counterpart to keep the United States safe. Trent makes his NFL Winning picks and even more! All of that, and more! As always, the show is Recorded Live from the https://gotsoundsstudio.com/ (G.O.T. Sound Studio) in Columbia, South Carolina! Please Subscribe, Rate and Review! We really want your feed back on the show. Visit Us; (https://theallaboutnothing.com/ (https://theallaboutnothing.com)) You can find details on how you can become a Patron at the top of our homepage!

S04 - E85 | This week, https://twitter.com/CarolinaKing21 (Zac) and https://twitter.com/barrettgruber (Barrett) welcome https://compiled.social/niquethegeek?fbclid=IwAR2WMujiG40vOyqId-yme1aZ4QUjXLH0K4AKf1NcY_72S4vvKWUKQwbn8qE (Nique the Geek) in studio to sit in for our missing, https://www.instagram.com/godlonzothegoat/ (Trent (DJ Lonzo)). We pick up this week where we left off last week, where we were discussing Firing Squads, and which states still utilize the firing squads, and some that used to. We talk about September 11th, and where we were and what all we experienced from a distance from the tragedy. Then Zac, Nique and Barrett make our picks on the winners in all of the conferences for the 21-22 NFL season. All of that, and more! As always, the show is Recorded Live from the https://gotsoundsstudio.com (G.O.T. Sound Studio) in Columbia, South Carolina! Please Subscribe, Rate and Review! We really want your feed back on the show. Visit Us; (https://theallaboutnothing.com/ (https://theallaboutnothing.com)) You can find details on how you can become a Patron at the top of our homepage!

S04 - E84 | It's another week of Zac, Trent and Barrett as we go live on https://facebook.com/allaboutnothingUS (Facebook) thanks to the genius of NiqueTheGeek and the https://gotsoundsstudio.com (G.O.T. Sounds Studio) in Columbia, South Carolina! This week we let Zac rant on Chiropractors, while Trent and Barrett let him dig his hole. Zac tells us about how four fifths of his family went to a chiropractor and were told to drink down a mix of water and Epson salt. A trip to Blockbuster was shortened by the effects. We also have Trent pick in a double blind pull for Barrett and Zac's Fantasy Football League (Western Philosophy on Grass)! We tell the story of how we have one individual who continues to get picked to draft last. The surprise; she got picked to draft last again! All of that, and more! As always, the show is Recorded Live from the G.O.T. Sound Studio in Columbia, South Carolina! Please Subscribe, Rate and Review! We really want your feed back on the show. Visit Us; (https://theallaboutnothing.com/ (https://theallaboutnothing.com)) You can find details on how you can become a Patron at the top of our homepage!

S04 - E83 | This week, Zac, Trent and Barrett go live on https://facebook.com/allaboutnothingUS (Facebook) (again) thanks to the genius of NiqueTheGeek and the G.O.T. Sounds Studio (https://gotsoundsstudio.com (https://gotsoundsstudio.com)) in Columbia, South Carolina! COVID-19 is on the rise again. Masks don't seem to be being stressed as they probably should be. The politics behind this ongoing pandemic are hampering our ability to get ourselves out of dark. President Biden dropped the ball on our responsibilities to the Afghani people. We give our opinions on what has happened over the last couple weeks, including the withdrawal of troops. We believe we have a responsibility to the interpreters and translators that our country has left behind. All of that, and more! As always, the show is Recorded Live from the G.O.T. Sound Studio in Columbia, South Carolina! Please Subscribe, Rate and Review! We really want your feed back on the show. Visit Us; (https://theallaboutnothing.com (https://theallaboutnothing.com)) You can find details on how you can become a Patron at the top of our homepage!

The most influential Drummer. Roger Hawkins. https://youtu.be/9l-XZceLK2U. https://youtu.be/WIvenWN9TQE. https://youtu.be/2dMZ8vzbOFM

S04 - E82 | This week the boys welcome Cari and Chrissy, hosts of the podcast: Status Macabre! We play another edition of "The Newly Pod" game and then get a hint of what Cari and Chrissy pod about. Make sure you check out their show, visit https://statusmacabre.com! You can visit our page (https://theallaboutnothing.com) for links! All of that, and more! As always, the show is Recorded Live from the G.O.T. Sound Studio in Columbia, South Carolina! Please Subscribe, Rate and Review! We really want your feed back on the show. Visit Us; (http://theallaboutnothing.com) You can find details on how you can become a Patron at the top of our homepage!

S04 - E81 | This week Barrett and Zac welcome Trent back to the studio from his COVID-19 time-off. We discuss how COVID affected Trent, as well as Denny's Drama; Simone Biles is a Hero; Olympics Orgies and what we're watching and why Barrett's just watching the Olympic Count-Down Clock; Nique's Birthday and the drama of Movie Theaters. We also want to thank Muff the Producer to engineer this week! Special Thanks! You can visit our page (https://theallaboutnothing.com) for links! All of that, and more! As always, the show is Recorded Live from the G.O.T. Sound Studio in Columbia, South Carolina! Please Subscribe, Rate and Review! We really want your feed back on the show. Visit Us; (http://theallaboutnothing.com) You can find details on how you can become a Patron at the top of our homepage!

S04 - E80 | Sans Trent this week, Barrett and Zac get together to discuss the week and week before, as they come back into the studio since the last episode. Barrett suffered a tragic loss this week, while Zac had a great week and some well deserved time off from work. We're without Trent this week, so we join us in wishing him well, and that we'll have our co-host back in the studio. There was lots of nothing really organized this week, so just enjoy our take on so much #nothing! You can visit our page (https://theallaboutnothing.com) for links! All of that, and more! As always, the show is Recorded Live from the G.O.T. Sound Studio in Columbia, South Carolina! Please Subscribe, Rate and Review! We really want your feed back on the show. Visit Us; (http://theallaboutnothing.com) You can find details on how you can become a Patron at the top of our homepage!

S04 - E79 | After a well deserved weekend off to celebrate the birth of this nation, Zac, Barrett and Trent reconnect in the studio to discuss our Independence Day Celebrations, both past and current; America is experiencing a Heat Wave; Brittany Spears is still under a conservatorship; If a Condo falls in a Florida Surfside Town, and John McAfee isn't there, is there a conspiracy; and finally, Bill Cosby gets freed over a technicality in the law. You can visit our page (https://theallaboutnothing.com) for links! All of that, and more! As always, the show is Recorded Live from the G.O.T. Sound Studio in Columbia, South Carolina! Please Subscribe, Rate and Review! We really want your feed back on the show. Visit Us; (http://theallaboutnothing.com) You can find details on how you can become a Patron at the top of our homepage!

S04 - E78 | This week, Barrett, Zac and Trent welcome the owner and operator of RAW Body Piercing, Raegin White to discuss the 5 Year Anniversary of her shop being open on Two Notch Road in Columbia; to announce the opening of her second RAW Body Piercing shop off of Broad River road, and to discuss Body Piercings. We discuss Space Balloons, Baseball, Derek Chauvin's 22-year-sentence for the murder of George Floyd, and Connecticut becoming the 19th state in the union to legalize recreational marijuana. All of this and more "nothing" with the boys! You can visit our page (https://theallaboutnothing.com) for links! You can find information about RAW Body Piercing at their website (rawbodypiercing.com)! All of that, and more! As always, the show is Recorded Live from the G.O.T. Sound Studio in Columbia, South Carolina! Please Subscribe, Rate and Review! We really want your feed back on the show. Visit Us; (http://theallaboutnothing.com) You can find details on how you can become a Patron at the top of our homepage!

S04 - E77 | On the show this week, Zac and Trent listen to Barrett discuss how he celebrates Father's Day every year, including Atlanta Braves Baseball and Lexington County Blowfish games; good food, good beer and good friends. We also discuss the dismissal of charges against Tevin Biles-Thomas, brother to Simone Biles, US Olympic Champion. From Bat Tar and Sun Screen to D.C. and Marvel Movies. All of that and more! You can visit our page (https://theallaboutnothing.com) for links! All of that, and more! As always, the show is Recorded Live from the G.O.T. Sound Studio in Columbia, South Carolina! Please Subscribe, Rate and Review! We really want your feed back on the show.

S04 - E76 | This week, Barrett, Zac and Trent welcome Licensed Massage Therapist, Reiki Master Teacher, Energy Healer and Intuitive Coach, and also, if that isn't enough, host of the podcast, “Who You Callin' Holistic?” ! We discuss just about everything you could possibly imagine. You can visit our page (https://theallaboutnothing.com) for links! All of that, and more! As always, the show is Recorded Live from the G.O.T. Sound Studio in Columbia, South Carolina! Please Subscribe, Rate and Review! We really want your feed back on the show. Visit Us; (http://theallaboutnothing.com)

S04 - E75 | This week, Barrett, Zac and Trent welcome the Tatto Artist, Ambria from INKsclusive Tattoo Studio in Union, South Carolina! We discuss everything you could possibly want to know about the Tattoo industry, and some very interesting stories. You can visit our page (https://theallaboutnothing.com) for links! All of that, and more! As always, the show is Recorded Live from the G.O.T. Sound Studio in Columbia, South Carolina! Please Subscribe, Rate and Review! We really want your feed back on the show. Visit Us; (http://theallaboutnothing.com)

S04 - E74 | This week, Barrett, Zac and Trent welcome Nique The Geek as we George Floyd and where we are after a year since his murder on May 25, 2020. We also discuss how profile affects everyone, but directly and indirectly. Make sure to listen all the way through because, the boys also discuss the latest reporting on U.A.P's and how governments all over the world are being more open to acknowledging that we just know what's out there. From Tic Tacs to Unidentified Aerial Phenomenon to Unidentified Submerged Objects; even the governments of our world don't quite know what's going on. All of this and much more! You can visit our page (https://theallaboutnothing.com) for links! All of that, and more! As always, the show is Recorded Live from the G.O.T. Sound Studio in Columbia, South Carolina! Please Subscribe, Rate and Review! We really want your feed back on the show. Visit Us; (http://theallaboutnothing.com)

S04 - E73 | This week, Barrett, Zac and Trent welcome friend of the pod, Keith to sit in studio and discuss some of the events that made headlines this week. From Tim Tebow and Panic Buying at the Pumps, to Israel's Assault on the Palestinians in Gaza. The boys also discuss Zac's vehicle woes, and Barrett's neurological issues and Trent's getting swimming lessons. All this, and more! You can visit our page (https://theallaboutnothing.com) for links! All of that, and more! As always, the show is Recorded Live from the G.O.T. Sound Studio in Columbia, South Carolina! Please Subscribe, Rate and Review! We really want your feed back on the show. Visit Us; (http://theallaboutnothing.com)