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As a property manager, have you ever worked with foreign investors? If not, what is stopping you? Is it because you don't know another language or because you don't know where to find foreign investors? What if there were a service that handled that piece for you? In this episode of the #DoorGrowShow, property management growth expert Jason Hull sits down with the founder of HomeAbroad and Ziffy to talk about how property managers can connect with investors living outside of the United States.  You'll Learn [01:49] Building a Platform that Helps Foreign Investors Find Properties  [08:21] Helping Investors in the U.S. Find Investment Properties  [14:46] How HomeAbroad and Ziffy Can Benefit Property Managers  [25:23] Using Real Estate Investing and Property Management to Move to the U.S.  Quotables “No one wants to be a landlord… They're looking for a good way to maximize return on their investment or return on their cash.” “If you are a smart investor, if you are running this as a business, right, you got to have property management.” “You can't build a portfolio of a hundred properties by managing each property yourself.” “You grow together. It's a small industry, you know, we got to help each other and we grow as a business together.” Resources DoorGrow and Scale Mastermind DoorGrow Academy DoorGrow on YouTube DoorGrowClub DoorGrowLive Transcript [00:00:00] Client finds the property through a platform. We do the mortgage financing, so we will introduce the property manager at the right time and say, "Hey, by the way, you can find the right property manager to help you manage this property, so, we'll kind of introduce you in the right point in that journey to make sure that you have a high conversion as well.  [00:00:20] All right, I'm Jason Hull, the founder and CEO of DoorGrow, the world's leading and most comprehensive coaching and consulting firm for long-term residential property management entrepreneurs. For over a decade and a half, we have brought innovative strategies and optimization to the property management industry. At DoorGrow, we have spoken to thousands of property management business owners, coached, consulted, and cleaned up hundreds of businesses, helping them add doors, improve pricing, increase profit, simplify operations, and build and replace teams. We are like Bar Rescue for property managers. We have rebranded over 300 businesses and we run the leading property management mastermind with more video testimonials and reviews than any other coach or consultant in the industry. [00:01:06] And if you are wanting help with any of that stuff, then reach out to us at DoorGrow. So we believe at DoorGrow that good property managers can change the world, and that property management is the ultimate high trust gateway to real estate deals, relationships, and residual income. At DoorGrow, we are on a mission to transform property management business owners and their businesses. [00:01:28] We want to transform the industry, eliminate the bs, build awareness, change perception, expand the market, and help the best property management entrepreneurs win.  [00:01:38] Now let's get into the show. All right, so my guest today, I am hanging out with Amresh Singh, welcome to the DoorGrow Show.  [00:01:46] Thanks, Jason. Thanks for having me. Appreciate it.  [00:01:49] It's good to have you. So I would love to get into your background so people understand, like who are they listening to or viewing on this, and tell us a little bit about your journey into entrepreneurism and how you kind of got started and that will lead us into your business. [00:02:04] Awesome. So my background has been at the intersection of mortgages and technology. I used to work for a leading international bank before I started HomeAbroad. And originally I'm from India, so I moved to the US 10 years back, working for this big bank who moved me from India to the US to work closer to the headquarters over here. [00:02:25] I managed their international customer acquisition. And you know, in that journey, you know, I realized that two things that we have. Or I should say two really fascinating things about the US real estate market, which is, you know, 30 year fixed state mortgages, which we, in the US you know, we tend to ignore and we take it for granted. [00:02:45] It does not exist in most places around the world. It's a superpower, 30 year fixed state mortgages. Right? Yeah. Plus combine that with, you know, higher rental leads in the US market. You know, you're really looking at a true wealth building too. Right? So that realization coming from, you know, an international market into the US market, seeing the superpower of the, you know, how real estate in the US can really help you build generational wealth. You know, gave me the idea to start HomeAbroad, you know, which was a company that was focused on global investors investing in USD asset market, right? You know, and taking the advantages of, you know, some of these superpowers, I will speak later in your podcast. [00:03:24] Right? But that's how the journey started. And then, you know, as part of that journey, we realized, you know, some similar gaps exist in the domestic market as well that led to formation of Ziffy, which I'll talk about as well as we progress in the podcast. So that's kind of in nutshell, my know, my entrepreneur journey, my background, so.  [00:03:40] Very cool. I've noticed, you know, every now and then I get clients that they've got some special connection to an international market. You know, I've got a client from Israel and he's able to pull in Israeli investors and they're wanting to get into the US market, and he helps them handle all of that. [00:03:56] I had a client that same thing with China you know, and other different foreign countries, you know, and so that's a competitive advantage that each of these property management business owners have, but it's not one that every property manager can just create because they don't know a different language. [00:04:14] They don't have a network or connections overseas, and so that could be a challenge. But I see how that could be a competitive advantage for building up your own portfolio if you could access international investors. And I didn't really realize that, but I just grew up in this bubble of the US but 30 year fixed rate mortgages sounds so normal. You know? Yes. So, okay. So cool. So, so tell us a little bit about what you've got going on.  [00:04:40] Yeah, so, you know, as I mentioned, you know, we operate two brands. HomeAbroad is where we started, right? And that's a shop, that's a PropTech and FinTech shop that's focused on helping global investors invest in the US real estate market. [00:04:52] Right? If you think about, you know, real estate, right? It's kind of, you know, wealth building tool or is a mode of, you know, building generational wealth around the world. People invest in real estate for stability, right? For, you know, that that ease of mind, okay my investment is going to grow, right? [00:05:08] But you know, in most places around the world when you're investing in real estate, you're not doing that with leverage. You know, you are buying that in cash and you are, you know, mode for return on that investment is really banking on the capital appreciation on that property, right? What changes in the US market is because of 30 year fixed rate mortgages, there's no payment shock. [00:05:28] The rate is fixed for the term of the loan. That's 30 years. Since it's amortized for a 30 year period, your monthly payments are lower, right? Rental liens are higher. So what ends up happening in the US market is rent covers mortgage in majority of the scenario. [00:05:44] Yeah. It cash flows day one. Absolutely right. And that is something. So think about it, right? So you are generating cash flow from day one with leverage. I'll repeat that with leverage, right? So 20-25% of your money is able to help you buy a hundred percent of the property with cash flow or passive income from day one. [00:06:05] It just does not happen in most places around the world. Now imagine this: you explain this to someone who has no idea about the US state market, right? And then you tell them, Hey, not only you know the value prop, but as a company HomeAbroad, we are going to give you mortgage financing with no US state history. [00:06:25] Right. And we are going to underwrite you not based on your personal income or assets from your home country. We are going to look at the property's income, right? And we're going to underwrite based on that, right? Suddenly someone who has no affiliation with the US, you know, market or financial market is able to invest or buy US real estate for the obvious benefits I mentioned, right? [00:06:49] Cash flow with leverage, but also you're putting your money in the largest economy in the world. USD is still the reserve currency, right? So you're shielding yourself from currency risk that's might exist in your home country, right? And suddenly when you explain this to a global investor, it's an aha moment for them, right? [00:07:04] Because this is something that does not exist in their home market. You know, they want to, you know, kind of diversify their assets and dip into what US has to offer this kind of opening American dream to the world. Yeah. Without them having to live or work in the US. You can live and work in your home country and dip into what America or American dream has to offer, you know, while you sit in your home country. Right. And that's kind of what was a game changing phenomena for us. Great traction, great, you know, reserves. But what we saw, Jason, you know, these people were coming in and we're like, okay, great. I want to invest in USA asset market. But I don't know where to invest. [00:07:40] Right. I don't know the US market, I don't know which city to invest in. Right. And my team, you know, we found ourselves going onto Zillow doing investment analysis and coming back to them and saying, "okay, this is a good place to invest." And then we said, "okay, wait a minute. Let's just build a tech platform, and that's what led the evolution of Ziffy, which is kind of, you know, Zillow for investment properties, ziffy.ai, where you know, as an investor you can kind of just say, okay, this is my investment objective. [00:08:05] I want to generate X dollar cash flow every month. I want to generate Y percent in rental. I want to find all the rent properties. And the algorithm mines everything that is listed on MLS right now from an investment perspective gives you detailed investment analysis and helps you take the data driven recommendation. [00:08:21] And then we realized only 8% of Americans own investment properties. If it's such a good thing that global investors want to put their money in the USA market, why Americans are not building generational wealth by investing in real estate. Right? Because people don't want to be a landlord, right? [00:08:37] Right. But once you put this data in front of them, suddenly the perspective changes. And that's what we are right now. We are launching ziffy.ai where it's going to be the Zillow for investment properties to really help more Americans buy and invest in US real estate.  [00:08:50] Okay, great. And what's that tool called? [00:08:52] It's Ziffy, Z-I-F-F-Y, dot A-I.  [00:08:56] ziffy.ai. Okay. And you mentioned the big other z name Zillow, you're like, you're trying to take their lunch, I guess. Right? We'll see how...  [00:09:06] not really. Thing about it, zillow is focused on primary market, right? Yeah. It's a much bigger market. Right. And, you know, investment, of course, 16% of the transactions are investment properties. [00:09:17] Right. But having said that, it's a huge market and there's lot of, you know, scope for growth because a lot of Americans still, you know, what they don't know about is there are specialized loan products that exist, you know, that can underwrite based on the rental income of the property. [00:09:32] So if I have a mortgage, I have a car loan, I think, okay, there's no way I can buy investment property. No one's going to give me a loan. I'm going to walk in my local bank or my local branch, and they're going to say, "okay, Jason, you know, what's your current mortgage? What's your car loan? Oh, you don't qualify based on your debt to income ratio." [00:09:49] They don't know that this specialized loan product called DSCR loan, which is debt service coverage ratio loan, where I'm qualifying you for the mortgage based on the rental income of that property versus your personal income. Right. So suddenly now you can build portfolio of hundred of investment properties because each property qualifies based on its own merit. [00:10:11] You buy one investment property, right? Rent covers mortgage from day one generates you cash flow. You wait three, four years, you gain equity in the property, do a cash out refinance, take that money to put down payment on other property. That property is cash positive from day one and the cycle repeats. [00:10:27] So if you're a smart investor can really help that first investment property, help you build a portfolio of investment property over 10 to 15 year period and build that generational wealth for you and your family. And people just don't know about it. And that's what we're trying to democratize.  [00:10:41] All right. [00:10:41] I love the idea. You know, we've leveraged a DSCR loan and it's nice because you don't have to give them all your personal info. You know, it doesn't matter how much debt you already have leveraged with properties you already have. So the rates are a little bit higher. [00:10:55] Right. But if you're able to cash flow it effectively, then I guess it doesn't matter.  [00:11:01] It doesn't matter. But also, I'll tell you, Jason, it's not that much higher either. No. If you think about an investment property loan from Freddie Mac or Fannie Mae conventional loans the rates are going to be higher than what you're going to pay for a 30 year fix it mortgage for a primary home. [00:11:14] Right. If you compare an investment property loan from an, from the jcs versus a DSCR loan, the rate difference you're talking about is 0.25%, or, you know, like, so it's not, it's very competitive.  [00:11:28] So. A lot of the people listening run property management companies. They've got a pool of investors. [00:11:33] These are their clients. How do they leverage  [00:11:37] HomeAbroad or Ziffy? That's a great question. Right? So we are also opening a marketplace for property managers, right? Because think about these foreign clients that are coming over to us, right? Think about domestic clients, right? A lot of these clients, you know, no one wants to be a landlord, as I mentioned earlier, right? [00:11:52] They're looking for a good way to maximize return on their investment or return on their cash. Right. And they don't want to take the day-to-day hassle of being a landlord. Right. Right. That's where property management comes in. Right. And if you are a smart investor, if you are running this as a business, right, you got to have property management. That's what we tell our clients. You can't build a portfolio of a hundred properties by managing each property yourself. You got to get property management in, right? Yeah. And what we are doing is we are trying to, you know, open up a marketplace where, you know, foreign investors, of course, they have no idea about whom to work at in the US so they can connect to property managers in the US through a platform. [00:12:31] Right. But in addition. If you're a property manager and if you have clients who are looking for next investment and so forth, you can white label our Ziffy platform for your clients. Right, okay. To give them as your own tool. And if they come back to us, you know, for a mortgage, we give you a referral fee. [00:12:50] You know X, we give up to 40 to 50 basis point on the loan amount as their referral fee. So that could be not only you're servicing your clients, you're giving them tools to help them find their next investment, which by the way, you will end up managing as well. But you're also increasing your value prop by helping your client find the next investment and adding additional revenue stream to your overall portfolio, right? [00:13:12] So it's a win-win situation for everyone.  [00:13:15] So becomes absolutely profit center. Okay, so. And they can white label Ziffy. What about is the Ziffy and HomeAbroad databases, are these linked? Like, are these properties, because you know, I think a lot of property managers listening are like, "how can I get access to these foreign investors because I don't have that capability?" [00:13:32] They're linked. It's just the branding, right? Because for foreign investors, you know, we go with the brand name HomeAbroad, okay? And for domestic, of course, you know, HomeAbroad will not resonate with the US based customers, right? So that's where Ziffy comes in. And we are kind of actually actively going through a rebranding exercise where HomeAbroad will become powered by ziffy.ai. [00:13:52] You know, so at the end of the day, Ziffy is the overall umbrella brand, right? Ziffy.ai is our AI powered investment property search platform and HomeAbroad is the portion of Ziffy that's focused exclusively on foreign investors. But if you're part of our network, you get access to both clients, you get access to foreign investors, you get access to local investors. [00:14:13] Okay, perfect. So it sounds like property managers, if they're listed in this marketplace, it sounds like 1. You might be feeding them some free business from. Absolutely. HomeAbroad brand. Yep. They wouldn't be able to access otherwise. And they're able to support boots on the ground helping with the property locally. [00:14:32] Yep.  [00:14:33] And then they can also leverage Ziffy and do a white label thing for their existing clients and help get them and facilitate getting them into more property.  [00:14:41] Absolutely. Yep.  [00:14:42] Awesome. Okay, cool. Yeah that's very cool. So how does a property manager get into this marketplace?  [00:14:49] What are your qualifications? [00:14:51] So we of course, want to make sure that our clients are taken care of, you know, so we do initial vetting, just to understand, you know, you have the I would say capabilities and infrastructure to help service our clients. So everyone has a good positive experience, right? And then once we kind of have that initial meeting to vet you out, you will become part of our network. [00:15:10] We'll sign a good partnership agreement. You'll be part of the network and then, you know, you'll be listed prominently. If the customer is looking in that particular area, you know, you'll be listed prominently within that ecosystem. Now, good news is we are vertically integrated shop, right? [00:15:24] So client finds the property through a platform. We do the mortgage financing, right? And you know, we know exactly when the customer, you know, is closing that transaction, right? So we will introduce the property manager at the right time. There's no point introducing a property manager right when they're starting their journey to find an investment property, right? [00:15:42] But as soon as they close on that transaction, we'll introduce the property manager. We will expose our, you know, marketplace to them and say, "Hey, by the way, you can find the right property manager to help you manage this property from our vacant property management, based in say, Phoenix, Arizona, or say, you know, Dallas, Texas, like wherever the client is, you know, closing that transaction. [00:16:03] Right. So, we'll kind of introduce you in the right you know, point in that journey to make sure that, you know, you have a high conversion as well.  [00:16:11] So how do you, at Ziffy and HomeAbroad, how do you determine which markets you want to be in and focus on?  [00:16:21] So the cool thing, Jason, you know, like as the customer decides for us, right? [00:16:24] We are operating in 43 states, right out of 50 states in the US right now, right there are of course hot markets, right? But you know, we let our algorithm, because now, it's data, right? We know the data. We know what's the expected rent, which is our for algorithm to calculate the expected rent across every plus property listed on the MLS right now for sale. What's your monthly mortgage payment is going to be? We are the mortgage shop. So we know what the monthly mortgage payment is going to be. Yeah. Rent minus mortgage is your cashflow. Right? So you can basically punch in those numbers and you say, okay, I want to generate $500 in cashflow every month. [00:16:59] Show me properties in entire us. Show me properties in Midwest us. Show me properties in California. Show me properties in Texas. Right? Whatever is your appetite, right? But you can kind of, you know, find that right investment property with right investment objective, you know, and I would say market agnostic. [00:17:16] Right? Yeah. Find that property and then say, okay, yeah, this makes sense, this doesn't make sense. And what we are adding to our AI layer. You can ask AI question, show me population growth trend in this area in the last five years. Show me rent you know, growth in this area in the last five years. [00:17:30] Show me you know, is this a landlord friendly state? You know, like our AI will help you basically California, evaluate that property.  [00:17:36] So basically, California's out. Florida and Texas are in, or?  [00:17:40] Yep. Yep. And that's what we see. That's what we see. You know, Florida and Texas are two hot markets. Yeah. [00:17:45] Midwest is really picking up, you know, because the property prices are lower, taxes are lower, rents are higher, right? So Midwest US is the new hot market from a rental standpoint Okay. Is what we are seeing a lot of fixed and player opportunities as well. But Florida and Texas continue to be two hot states, you know, from a rental property standpoint. [00:18:03] Got it. Okay. Now, these people that are, you know that they're global investors. They're around, you know, around the world. They're watching the news, they're seeing all this stuff that's going on in the us. I don't know what their perception is, but when they're watching all this, I'm sure that factors into their decision making in which states they want to be in. [00:18:23] Absolutely a hundred percent.  [00:18:25] So they're like, it does, I don't want to be in California. They look like they're crazy there and they're watching the news and they're seeing these, you know, sanctuary cities with homeless people everywhere. And then they're like looking at like areas where it's more conservative and there's like more freedom and more options. [00:18:41] Then they're like, maybe, maybe there. So perception, I would imagine affects where they're choosing to invest as well.  [00:18:49] Yeah, it totally does. Right? And what we tell our clients, you know, you got to think of real estate as a long-term investment game, right? For example, you know, the rhetoric around current administration, right? [00:19:00] From global investor standpoint, you know, like, do I really want to put my money in the US at this point? You know, what happens if like X happens? Y happens, right? And what we tell our investor, right? The basics why US, you know, is a good market for real estate investment has not changed, will not change, right? [00:19:15] It's going to be still remain a good market for US estate investment. The question is, where do you invest, right? And what are your objectives, right? You want to invest in a landlord friendly state, right? You want to invest in, in states with, you know, job growth, population growth, right? And you want to invest in state you know, in a market where you're getting good ROI on your cash investor, right? [00:19:36] And that's a function of, you know, appreciation and function of cash flow, right? That you're generating. Right. So until you have those data points figured out, right, you know, in long term it's going to be a viable investment. Right. And you're going to make money, right? Is what we tell our investors, right? [00:19:51] And when we explain them from that perspective, from that lens, you know, I have not seen someone that has said, okay, USDS investment is off my list. Right? Is something that just still motivates and drives them.  [00:20:04] Very cool. All right. I like it. And the best property managers, they're DoorGrow clients, like we help them figure out how to actually do a good job. [00:20:10] Most property managers suck in most markets. This is... absolutely, yeah. The admission of property managers, they're like, I get a room of property managers. I'm like, how many of you believe all your competitors suck or most of them do? And everyone's hands go up. And everybody that comes to me and says, "Hey, I'm thinking of starting a property management business." [00:20:27] I say, cool. And they tell me their story. It's they have investment properties and they tried property managers and most of them were terrible and they decided to finally start a good company. And so there's this issue. So yeah, maybe we should get all the DoorGrow clients getting into your marketplace. [00:20:43] So  [00:20:43] A hundred percent, you know. Let's talk about that a hundred percent.  [00:20:46] Alright, cool. Have you heard a Blanket, have you heard of these guys? Not really. So I think I should connect you to Lior over at Blanket. They've got a really cool platform as well, and I think there's some synergy. [00:20:59] They're basically like a retention platform. Okay. For property managers. They were one of our sponsors at DoorGrow live. And they've created a platform that allows their clients to see all of... they're basically a white label portal for all their clients to have their portfolios. And it allows them to keep the properties in their portfolio by helping them find and access other owners when that owner wants to sell. [00:21:25] Awesome. Okay. I think there'd be some awesome synergy between these two tools. Yeah. And I'm always making connections. You guys don't see this, those that are watching the podcast behind the scenes, I'm always trying to connect different vendors to each other when I see some synergy. So, but I think that might be a cool connection. [00:21:40] So, because I think what you're doing would work really nicely with that and it'd be a really cool synergistic thing. So we'll just get HomeAbroad, Ziffy, Blanket, DoorGrow, and then some other vendors, we'll just start stacking, we'll create Voltron. Yep. This ultimate, you know, superpower to help.  [00:21:57] This very exciting. [00:21:58] Hey you grow together. You know, that's how I've always believed. You know, you grow together. It's a small industry, you know, we got to help each other and we grow as a business together.  [00:22:06] Yeah, absolutely. So, well, I like what you're doing. What's the easiest way for a property manager to reach out? [00:22:14] Which of the websites should they go to? How do they start getting vetted so they can get into this marketplace? And is this like a free thing because they're providing value or do they pay to become part of the marketplace or how does that work?  [00:22:27] It's a free thing, right? They will be listed on a platform for free. [00:22:31] So it's a two way street, as I mentioned here, right? So we are going to pay a referral fee to our property manager partners, when they refer clients over to us, we're going to give them free tools to help facilitate that process and vice versa. You know, we'll collect a referral fee if our existing client signs up with them as well. [00:22:47] You know, it's a revenue stream for us too.  [00:22:48] So if let's say I have one of those clients that has, a bunch of connections in a particular country like Israel or China or something like this, would there be an advantage to them to leveraging HomeAbroad to facilitate that rather than having to figure out all this work themselves? [00:23:05] Absolutely. Absolutely. Because we are, as I said, you know, we are one stop shop, right? So say for example, you have an Israeli client that is just thinking about investing in US real estate, right? So what we do, we start. From setting up the LLC, right? If you are US based, you know, setting up an LLC, receiving an EIN is pretty easy, straightforward process, right? [00:23:23] If you're a foreign national who has doesn't have an SSN or an IT number, just getting an EIN number from a IRS, you know, you're talking about faxing, you're talking about mailing, you're talking about six months, six to eight weeks to get, you know, your number in mail. Now, you know, we kind of have developed that expertise in this segment so we can get an EIN and with an analysis set for a foreign national not living in the US within a week. Right. Wow. We can help them open a US bank account while they're in their home country. Right. Of course, you know, we'll need the US Bank account as part of the mortgage process, but also they will need a US bank account to manage their property, right. [00:23:58] When they invest in the US market, right? We can, of course, financing for Foreign National, which is our bread and butter, right? So we help them with 75% LTV or 75% leverage to purchase an investment property in the US. So they only need to put 25% down payment on that investment property, as I mentioned, we don't look for any US history. [00:24:18] We don't look for trade lines or create history from their home country as well. It's a pretty straightforward process for foreign nationals. You know, all we are looking for is, you know, they have enough assets to close, which is 25% down payment plus closing costs. Right? And if the appraisal comes in right where we want it to be, right. [00:24:36] So whether they meet the ratio or the DSCR ratio where rent covers mortgage, right? Even if it does not, we have a sub ratio DSCR program for them. So one way or the other. You know, we'll be able to do the loan just based on the property's income versus considering their personal income or assets in their home country. [00:24:52] Right? So we covered them right from helping setting up an LLC you know, opening US bank account mortgage financing, connecting them with a local realtor, which is not just any realtor, but a realtor with CIPS, which is certified International Property Specialty Designation by now. Right. So they have gone through specialized training to work with foreign national, global investors, right? [00:25:13] And then property management connections, you know, through a marketplace, right? So we are kind of one stop shop for everything that foreign national would need to do to invest in the US real estate.  [00:25:23] Interesting. So here's another random idea that comes up. And I don't know if this even relates, maybe this is just completely out of left field, but occasionally I get clients that they've come from a foreign country to the US. [00:25:36] And in order to, you know, to immigrate and to become integrated in the US, they have to start a business. And so they will buy a franchise sometimes, which usually in this industry, buying a property major franchise, I'm pretty outspoken about that. I think it's generally a bad idea. I get a lot of franchisees coming to me that have struggled like, you know, a gal that came, bought into a franchise, she's already invested $100k into this and the franchise gave her poor strategy and she only has one unit under management and she's $100k in and over half a year in invested into this. And she's like, you know, concerned and freaking out. I've got another client, he's immigrated from the uk. [00:26:16] He's built a property management business. They both built their business in Florida, by the way. Nice. So the land of freedom and humidity. So is there some sort of advantage for some of these people that are overseas also? They're like, "you know what? I like the idea of investing in, you know, the US but I want to be in the US." [00:26:37] Is there a way that they could build a business leveraging this and could that be something that is facilitated as well?  [00:26:45] Yeah, that's a great question, Jason. You know, and something like a lot of, you know, foreign clients ask us, right? So I'll give you a two part answer to this question, right? [00:26:52] One, if you are part of E3D countries, right? So US has a E3D, you know, with I think UK, Japan you know, Australia, Canada, and the few other countries on that list, right? Yeah. So if you're part of one of these countries where the, where you have a E3D you know, with the US you get a visa called E2 Visa. [00:27:12] E2 Visa, where, you know, where you can start a business in the us, get that visa to come manage the business. And a lot of our clients in from these countries would start up LLC to manage two to three properties. Show that okay, they're managing a real estate business. Right. To kind of get that E2 visa, right? [00:27:29] And so it's a great way for them to not only build you know, a profitable business in the US right? And kind of benefit from the US estate investment, but then also, you know, try get a residency visa, you know, based on this business. Property management kind of falls under the same aspect as well. [00:27:46] Okay? Then other countries which are not part of the E3D, where you have something called an EV5 Visa, which is you know, which were one of the key differences is that you have to show that you generate 10 employments and invested at least around a million dollars in the US to generate those employments. [00:28:03] Now that is where, you know, it becomes a little bit trickier, right? Because you know, you have to show that you brought that money in, you putting that money in real estate qualifies. Right. But the the important aspect is creation of 10 jobs. You have to show that you've created 10 jobs through that investment, you know, for that purposes. [00:28:21] If you buy, you know, like 10 properties or buy a multifamily unit and you know, you have a property management around it that employs 10 people to take care of it, technically it qualifies. Right. You can also you know, buy a hotel, you know, buy 2 commercial property that employs, you know, 10 people to kind of, you know, to qualify on the, that, that visa rule. [00:28:44] Right? But again, you know, you're talking about a million dollar investment. You know, from your end, you know, which is not, you know, applicable for everyone, right? Yeah. So there are a couple of ways, right? But for E2 Visa, you know, it becomes really easy, right? Because that job requirement criteria is not there. [00:28:59] You have to show that it's a functional business. It's an active business, which could be a real estate business, right? And it becomes, the qualification becomes a little bit easier on from that perspective.  [00:29:09] Got it. Okay. Interesting. If you run into these people, we should totally be homies and... [00:29:15] absolutely. [00:29:15] If you run these people one of the things we're really brilliant at DoorGrow is helping people avoid all the mistakes they make when they get their business started. We help them clean. We're like bar rescue for property managers, as I said in the intro. And for startups, we're ideal. [00:29:29] We help them avoid all the pitfalls of the franchises. We help them come up with their own brand, their own website. We help them build out their hiring process. We help them make sure they get good people, like we help optimize the business and get the right systems and installed. And so we really are like the ultimate franchise alternative. [00:29:46] And I've just gotten tired of seeing the franchises hurting people. And so my mission. Is to get people to sign up with DoorGrow instead of going to these franchises and set ourselves up as a franchise alternative because we can help them get going with a lot less cash involved and a lot more help. [00:30:05] And and then we can help them give them real strategies for growing their portfolios. And it sounds like this might be a really nice addition to any of my client's strategies for growth is to leverage HomeAbroad because they would love to have people that are hands off. Yeah. In another country trusting you to just take care of stuff that, that's a easy, no-brainer type of client they would love to have. [00:30:25] Yeah, absolutely. Jason, and we should talk after this podcast. We'll talk, you know, this. I think there's a lot of synergies.  [00:30:31] Okay. Very cool. So, well, what else should property managers or investors listen to the show know about HomeAbroad or Ziffy that we haven't covered? Or what questions do people tend to ask that they're concerned about? [00:30:45] Yeah, I think, you know, one of the things, you know, that we also advise our clients, right? You know, it's not about, you know, property management eating into my cash flow, right? Because that's something that we see, you know, people concerned about, or people you know, like want to kind of, you know, want to do it by themselves because they want to make sure they maximize their cash flow, right? [00:31:05] But what we tell our clients, you know, at the end of the day, you got to think of it as a business, right? And what's your net return and how do you value your time? Right. What's the hourly rate that you assign to yourself, right? And what would else you'd be doing if you're not managing five properties on your own? [00:31:21] Right? That's an opportunity cost, right? So think about this more from an opportunity cost standpoint versus, you know, okay, it's eating into my cashflow because that opportunity cost can help you buy five more properties, right? That can, you know, overall amplify your return on your cash invested versus nickel and diming, you know, the money that you're trying to save, right? [00:31:42] And you know, when we kind of, you know, talk to them about your, their ROI return cash, we want them to kind of consider this as an expense that goes into it. Because at the end of the day, even though we are not the property management providers, right, we partner with your clients, so to speak, Jason, right? [00:31:58] We are trying to do what's in best interest of that client in order to build that real estate investment portfolio. Right. So that's something that, you know, just want to reiterate to you, to the listeners of your podcast. Right. Why partner with us? You know, because that's something that we inherently, you know, advise our clients, you know, and we position property management as one of the pillars, they need to really succeed to build a successful real estate investment portfolio. [00:32:22] So you kind of insulate, because I know there's some property managers listening and they're like, man, some of these foreign investors are such cheapos. They're like so cheap and they complain about everything and they're really difficult. You kind of insulate them from that. Yep. With your organization and you know, and property management really, yeah. It is a no brainer. I mean, there's a lot of properties that a lot of these investors on their own probably wouldn't even accurately raise rent. And so if they didn't raise rent over the last two to three years, for example, they're probably 10% below market rate anyway. And so if the property manager just kept rent where it actually is in the marketplace, the property management basically is free. [00:33:01] Yeah, it pays for itself. Hundred percent. It's a no brainer. And so, yeah, I think the biggest mistake investors can make period, if you're an investor listening to the show, is to not use a property manager, a good one. Because there are bad ones. But if you can find a good one, that is the biggest game changer because it takes all the work off your plate and you make just as much money. [00:33:22] Absolutely. And another thing for your listeners, Jason, right. You'd be surprised how few people know about the specialized loan products for DSCA investor, right? So if your client is with you managing one property and is thinking in my head, oh, I already have a mortgage in my primary, I have another investment property here. [00:33:38] No way in the world I can buy another investment property. It's an education gap. It's a knowledge gap, right? Yeah. So they can help educate and that's where like and HomeAbroad comes in. because we will educate them on your behalf. You know, you retain the relationship, you retain your brand, right? We'll white label it, but like not only show them properties that will give them their next cashflow investment. [00:33:58] But also educating them, okay, for this loan to qualify, I don't need to see your debt to income ratio. I'm going to qualify based on that property's income. And you know, the only upfront cost is an appraisal cost, right? But us being the mortgage shop, you know, vetting that, okay, this property gives you cash flow, or from a conservative standpoint, it's good for you at the end of the day because you know, you won't invest if the property is not cashflow policy from day one, right? [00:34:24] So something that people don't know, you know, and there's a gap there.  [00:34:27] Yeah, we've had some lenders on talking about DSCR loans in the past, and yeah, a lot of people just aren't aware of it as an option. Yeah. So property managers, if they can have a partner like yourself to, you know, educate them on these alternate sources of funding and methods of getting cash to invest in real estate. [00:34:46] Yeah, it's going to open up the door. Not only that, but I like the idea of those because it kind of creates this veil of protection. So it's not an asset in your name if there ever is a liability with the rental property. Absolutely. They don't even know who the owner is. It's an entity and there's kind of a shield there of protection. [00:35:05] And so there's some additional advantages to going that route as well.  [00:35:09] So, absolutely. And like majority of our clients request the title in an LLC. What's the reason that you just mentioned you always need to have that, you know, protection around you in a litigation rich country, so. [00:35:21] Got it. Cool.  [00:35:22] Well, hey, I think this is a really awesome idea Amresh. It's great to have you on the DoorGrow Show. Any parting words or how can people get in touch and how can they find out more?  [00:35:32] Sure. You know, so if you're a property management company, you can get them in touch with us at partner@homeabroadinc.com or partner@ziffy.ai. [00:35:42] You know, my personal email address is amresh.singh@homeabroadinc.com. You can shoot me an email as well. Website is HomeAbroadinc.com for HomeAbroad and Ziffy.ai for our Ziffy brand. Okay.  [00:35:56] Awesome. Alright, thanks so much for coming to the show. So those of you listening, if you've ever felt stuck or stagnant, you want to take your property management business to the next level, reach out to us at doorgrow.com. [00:36:07] Also, be sure to join our free community just for property management business owners at doorgrowclub.com. We reject 60 to 70% of the people that apply to join that group. And if you found this even a little bit helpful, don't forget to subscribe. Leave us a review. We'd really appreciate it. Until next time, remember, the slowest path to growth is to do it all alone, so let's grow together. [00:36:30] Bye everyone.

Congress is in the middle of a high-stakes budget debate that includes fighting over tax policy and funding for many vital public programs. But what's often missing from that budget debate is a focus on the people these decisions affect, especially kids. Professor Jean Junior explains how tax policy choices made on Capitol Hill directly affect health and well-being, and why taxes can be a powerful tool to improve health outcomes for everyone. Drawing from her experience as a pediatrician, Professor Junior challenges us to see policy choices through the eyes of a doctor by putting people's well-being first. For more on this topic: Read Junior's SSN brief, Tax Policy as a Potential Tool for Reducing Infant Mortality. Check out her study, Association of State-Level Tax Policy and Infant Mortality in the United States, 1996-2019.  

México registró más de 2 mil sismos en mayo: SSN 99.6% de actas de la elección judicial computadas: IECMYo no ordené la deportación de Kilmar Ábrego: TrumpMás información en nuestro podcast

The US Supreme Court grants DOGE access to sensitive SSN data. Then Elon vs Trump. order. Will this feud affect the progress of Trump's administration? And Newsom's return to work for CA Workers The John McGinness Show.

Can a $10K summer Airbnb hustle turn into a $42 million real estate empire? In this episode of Invest2FI, Craig Curelop is with Clara Arroyave, a pioneer in co-living and founder of ColivingCashflow.com. Clara reveals how she scaled from renting out a living room to managing 160+ co-living rooms, then lost it all during COVID—and how she's now rebuilding with even greater momentum.  You'll hear her strategies on arbitrage, multi-family conversions, B2B tenant acquisition, and startup-style fundraising. This is a must-listen for real estate investors who want to grow fast, pivot through crisis, and make impact-driven housing decisions. If you're passionate about co-living, affordable rentals, or multifamily investing—Clara's resilience and insights will blow your mind. PODCAST HIGHLIGHTS:[04:29] Clara shares how she earned $10K from a living room Airbnb [07:35] First startup matched new residents with realtors open to no SSN [08:38] Built B2B network with HR and university housing contacts [10:37] Launched PlaceMe in 2016 to rent units as co-living spaces [16:01] Zero ad spend: How she filled units using B2B referrals [24:29] Raising money using SAFE agreements like a tech startup [30:29] Why Clara believes co-living can't be replaced by AI [32:34] COVID dropped occupancy from 95% to 40% in weeks [33:49] Clara negotiates lease terminations to avoid full collapse [34:15] Clara explains 30–36% rent boost from bedroom density in Boston [35:18] Joined investment bank to learn high-level capital raising [40:28] Discusses triple-decker conversions for scalable cash flow [48:35] Boston's housing shortage and her plan to add 50K units [49:51] Why Clara is always near a Metallica concert [50:50] Final advice: Stay authentic, focus on strengths, solve real problems [51:50] Invitation to co-living conference and personal investor network HOST Craig Curelop    

L'apertura dei giornali, con le notizie e le voci dei protagonisti, tutto in meno di 30 minuti.La carenza di medici di base è un problema crescente in Italia, ne mancano oltre 5.500 e sempre più cittadini faticano a trovare un medico di famiglia. In vista c'è una riforma per i che potrebbe far passare dall'essere liberi professionisti a diventare dipendenti del Servizio sanitario nazionale (Ssn): sarebbe questo lo schema su cui il governo Meloni starebbe lavorando da diversi mesi e di cui ora ci sarebbe una bozza. Sentiamo il parere di Fiorenzo Corti, vicesegretario nazionale del sindacato Fimmg (Federazione Italiana Medici di Medicina Generale).

CISS implementará de manera inmediata jornada laboral de 40 horas semanales SSN confirma ocho sismos en Montemorelos, Nuevo LeónInician ejercicios militares en conjunto en GuatemalaMás información en nuestro Podcast

MalwareTech was an anonymous security researcher, until he accidentally stopped WannaCry, one of the largest ransomware attacks in history. That single act of heroism shattered his anonymity and pulled him into a world he never expected.https://malwaretech.comSponsorsSupport for the show comes from Black Hills Information Security. Black Hills has a variety of penetration assessment and security auditing services they provide customers to help keep improve the security of a company. If you need a penetration test check out www.blackhillsinfosec.com/darknet.Support for this show comes from Arctic Wolf. Arctic Wolf is the industry leader in security operations solutions, delivering 24x7 monitoring, assessment, and response through our patented Concierge Security model. They work with your existing tools and become an extension of your existing IT team. Visit arcticwolf.com/darknet to learn more.Support for this show comes from Cloaked, a digital privacy tool. Cloaked offers private email, phone numbers, and virtual credit card numbers. So you can be anonymous online. They also will remove your personal information from the internet. Like home address, SSN, and phone numbers. Listeners get 20% off a Cloaked subscription when they visit https://cloaked.com/darknet. Calling 1-855-752-5625 for a free scan to check if your personal information is exposed!

Foundations of Amateur Radio Recently I saw a social media post featuring a screenshot of some random website with pretty charts and indicators describing "current HF propagation". Aside from lacking a date, it helpfully included notations like "Solar Storm Imminent" and "Band Closed". It made me wonder, not for the first time, what the reliability of this type of notification is. Does it actually indicate what you might expect when you get on air to make noise, is it globally relevant, is the data valid or real-time? You get the idea. How do you determine the relationship between this pretty display and reality? Immediately the WSPR or Weak Signal Propagation Reporter database came to mind. It's a massive collection of signal reports capturing time, band, station and other parameters, one of which is the Signal To Noise ratio or SNR. If the number of sun spots, or a geomagnetic index change affected propagation, can we see an effect on the SNR? Although there's close on a million records per day, I'll note in advance that my current approach of taking a daily average across all reports on a specific band, completely ignores the number of reports, the types and direction of antennas, the distance between stations, transmitter power, local noise or any number of other variables. Using the online "wspr.live" database, looking only at 2024, I linked the daily recorded WSPR SNR average per band to the Sun Spot Numbers and Geomagnetic Index and immediately ran into problems. For starters the daily Sun Spot Number or SSN, from the Royal Observatory in Belgium does not appear to be complete. I'm not yet sure why. For example, there's only 288 days of SSN data in 2024. Does this mean that the observers were on holiday on the other 78 days, or was the SSN zero? Curiously there's 60 days where there's more than one recording and as a bonus, on New Years Eve 2024, there's three recordings, all with the same time stamp, midnight, with 181, 194 and 194 sun spots, so I took the daily average. Also, I ignored the timezone, since that's not apparent. Similarly the Geomagnetic Index data from the Helmholtz Centre for Geosciences in Potsdam, Germany has several weird artefacts around 1970's data, but fortunately not within 2024 that I saw. The data is collected every three hours, so I averaged that, too. After excluding days where the SSN was missing, I ran into the next issue, my database query was too big, understandable, since there are many reports in this database, 2 billion, give or take, for 2024 alone. Normally I'd be running this type of query on my own hardware, but you might know that I lost my main research computer last year, well, I didn't lose it as such, I can see it from where I am right now, but it won't power up. Money aside, I've been working on it, but being unceremoniously moved from Intel to ARM is not something I'd recommend. I created a script that extracted the data, one day at a time, with 30 seconds between each query. Three hours later I had preliminary numbers. The result was 6,239 records across 116 bands, which of course should immediately spark interest, since we don't really have that many bands. I sorted the output by the number of reports per band and discovered that the maximum number of days per band was 276. This in turn should surprise you, since there's 365 days in a year, well technically a smidge more, but for now, 365 is fine, not to mention that 2024 was a leap-year. So, what happened to the other 90 days? We know that 78 are missing because the SSN wasn't in the database but the other 12 days? I'm going to ignore that too. I removed all the bands that had less than 276 reports per day, leaving 17 bands, including the well known 13 MHz band, the what, yeah, there's a few others like that. I removed the obvious weird band, but what's the 430 MHz band, when the 70cm band in WSPR is defined as 432 MHz? I manually created 15 charts plotting dates against SNR, SSN, Kp and ap indices. Remember, this is a daily average of each of these, just to get a handle on what I'm looking at. Immediately several things become apparent. There are plenty of bands where the relationship between the average SNR and the other influences appear to be negligible. We can see the average SNR move up and down across the year, following the seasons - which raises a specific question. If the SNR is averaged across the whole planet from all WSPR stations, why are we seeing seasonal variation, given that while it's Winter here in VK, it's Summer on the other side of the equator? If you compare the maximum average SNR of a band against the minimum average SNR of the same band, you can get a sense of how much the sun spots and geomagnetic index influences the planet as a whole on that band. The band with the least amount of variation is the 30m band. Said differently, with all the changes going on around propagation, the 30m band appears to be the most stable, followed by the 12m and 15m bands. The SNR across all of HF varies, on average, no more than 5 dB. The higher the band, the more variation there is. Of course it's also possible that there's less reports there, so we might be seeing the impact of individual station variables more keenly. It's too early for conclusions, but I can tell you that this gives us plenty of new questions to ask. I'm Onno VK6FLAB

Andy provides some tips and best practices to help keep your ID and financial information secure. Specifically:Check your credit report regularlyFreeze your creditGet a tax return filing PIN from the IRSUse strong and unique passwords for all websites and online accountsUse a password managerUse two-factor (if not multi-factor) authentication wherever possibleUse a VPN (Virtual Private Network) whenever on public Wi-FiUse separate e-mails for different types of accountsPut a "Self-Lock" on your SSN within the E-Verify systemLock your SIM card with your cellular providerBe cognizant of phishing and vishing scamsBe mindful of protection physical information and itemsLinks in this episode:Transunion credit freeze - hereExperian credit freeze - hereEquifax credit freeze - herewww.MyFICO.comwww.CheckFreeScore.comIRS PIN info - hereE-Verify Self-Lock info - hereFTC article about how to spot phishing - hereAARP article about how to spot vishing - hereTo send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comTenon Financial monthly e-newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

Recomendaciones para cuidar a tu mascota durante el simulacro Temperaturas máximas superarán los 40 grados Celsius en Michoacán y GuerreroTrump anuncia más operativos contra inmigrantesMás información en nuestro Podcast

Knoxville’s Conrad Nelson who served in the US Navy discusses his experience of attending the commissioning of the SSN 797 USS Iowa submarine in Groton, CT on April 5th. Full Interview Below:  

If you've ever had questions about how Saturday Night Live works, then the Saturday Night Network is the podcast for you! This week, we sit down with Jon Schneider of the SSN to discuss everything SNL! From hosts to cast members and predictions for the future and it's all coming up on an alll new episode of The Smokin' Hot Toddcast! Opening sketch is based on a scene from Mystery Science Theater 3000

The curse is broken! After years of trying, the Swifts defeat the Thunderbirds at home in Adelaide. Newbie defender Teigan O'Shannassy shines as Shamera Sterling-Humphrey meets her match in Grace Nweke. Shimona Jok celebrates her 100th national league game as the Mavericks get their first win over a despondent looking Giants side. And while we might have missed two SSN games over the weekend there was still plenty of netball action to enjoy. We chatted with NSW under 19s captain Nicola Barge on their Nationals win, as well as Aussie Kelpie Liam Killey on his Victorian sides win at the AMMNA nationals.

Netball New Zealand is reviewing the ruling that currently blocks Grace Nweke from putting on the black dress. She's currently ineligible for the Silver Ferns, after leaving to play for a team over in Australia. Coach Dame Noeline Taurua joined Piney to give her thoughts on the current situation. “When we knew she was keen to come over to Sydney or to play in the SSN, and understanding her reason as well, to be better, and to be a better netballer but also to be a better Silver Fern,” she said. “The intent is there, she still wants to play, and I definitely support that.” LISTEN ABOVE See omnystudio.com/listener for privacy information.

So the state of Indiana can’t figure out a way to lower property taxes? The Biden Administration gave out SSN's to millions. China to ban US films. What’s the difference between leg of lamb and lamb roast? Admiral fired by HegsethSee omnystudio.com/listener for privacy information.

So the state of Indiana can’t figure out a way to lower property taxes? 6:17: The Biden Administration gave out SSN's to millions. China to ban US films 6:36: What’s the difference between leg of lamb and lamb roast? 6:46: Admiral fired by Hegseth 7:06: Tara Hastings loves her crockpot. The "Property Tax" cut bill moving through the statehouse. Indianapolis City-County Council sidelines Hogsett pick for deputy mayor 7:17: Anyone who trusts Biden's Economist Jared Bernstein will lose all their money 7:36: Bondage chair for sale on the marketplace 7:47: Let Musk and Navarro fight. No one cares 8:06: China responds 8:17: Legendary Randy Ollis talks about his battle against cancer 8:36: the market is not necessarily an indicator of the economy, but it does have an effect. 8:47: “Shadow” meeting by Schiff and the DemsSee omnystudio.com/listener for privacy information.

Brandon Joe Williams returned to the podcast to talk about his updated Contract Killer course, the never-ratified 14th amendment sham and all the ensuing enslavement shenanigans it's spawned, and oodles more.Part 2:danikatz.locals.comwww.patreon.com/danikatzAll things Dani, including books, courses, coaching + consulting:www.danikatz.comRegister NOW for lifetime access to my Language of Sovereign Authority webinar:https://danikatz.com/language-of-sovereign-authorityFind Brandon:www.onestupidfuck.comShow notes:Sovereignty courseDefinition of US citizenshipWhere/what is the 'United States'?Voter registration scamAmnesty Coalition NationUCC- Litigation & appeals14th Amendment- never ratifiedPolice, DC, & diplomatic platesCalifornia's two Constitutions'Certificate of Title'- vehicle registrationPassports- diplomatic immunitySlaughter-house CasesFOIA requests, denials, & DCROE, SSN, and income taxesNovation, tech giants, & litigationCase Law & Attorney in FactScientology vs Freemasonry

Strange New Worlds, Ssn 2 Ep 1 – “The Broken Circle”   Todd wakes up and realizes he hasn't produced a podcast in almost a YEAR! Then he quickly edits a recording from last summer (July 10, 2024) and welcomes back Star Trek: Prodigy's Bonnie Gordon (@BonnieBellG on IG) for a discussion of scheduling, purple worms, Carol KANE!, and being mistaken for other famous redheads (facepalm)... Oh, and Star Trek!   All episodes of Star Trek: Prodigy are available now on Netflix   “False Flag” - https://en.wikipedia.org/wiki/False_flag  The Muppet Movie (1979) - https://www.cinemashock.net/episodes/themuppetmovie  “Angela” (“Taxi” Theme Music) - https://www.youtube.com/watch?v=fYGR5JtyKng 

We explore strategies for handling credit card denials and share insights on navigating bank-specific rules to improve approval odds while discussing recent Hyatt award chart devaluations affecting popular properties worldwide.• Cancellation strategies for point bookings when plans change, including leveraging elite status for fee waivers• Comprehensive overview of Hyatt's 2024 award chart changes affecting 118 properties moving to higher categories and 30 moving lower• Notable category increases for popular properties including Grand Hyatt Kauai, Hyatt Regency Paris Etoile, and multiple Japan hotels• Personal experience with recent credit card denials for Capital One Spark despite strategic application approaches• Bank-specific approval strategies including closing older Chase Ink cards before applying for new ones• Using an EIN instead of SSN for business card applications to improve approval odds• Understanding American Express "pop-up jail" and potential workarounds• Application timing rules for major banks: Capital One (one card every six months), Citi (one card every eight days), and Barclays spending requirementsRemember that credit card denials aren't personal—they're algorithmic decisions based on specific data points. Take a deep breath and be patient if you experience rejections, as this is a marathon rather than a sprint.

¡Sismo alerta a oaxaqueños! El SSN informó que fue de magnitud 5.4 Suspenden digitalización de los trámites para mercados públicos en la CDMX Nos quieren hacer felices tras la entrega de 29 capos afirma Trump Más información en nuestro podcast

What is a Snorlax called in Germany? What is a Psyduck in France? What is a Pikachu in India? Instead of asking culturally aware people, Kevin got three white guys together to torture them with a Pokemon quiz from hell. Play along in the comments and see how well you do! Hopefully better than we did. MORE PLACES TO FIND USCrubscribe ► https://bit.ly/CrubcastGet the show early and get exclusive content at our Patreon ► https://www.patreon.com/crubOur Crubcasts are recorded LIVE at https://www.twitch.tv/crub_official every Tuesday at 7pm Eastern, with EXCLUSIVE Pre- and Post-ShowsJoin our Discord ► https://crub.org/joinBlueSky ► https://bsky.app/profile/crub.orgPodcasts are available on Apple, Google, Spotify, and other platforms are available at ► https://crub.orgTODAY'S CRUBCAST HOSTSChris: https://www.youtube.com/@MykonosFanJustin: https://www.youtube.com/@WorldFamousJtart9Kevin: https://www.youtube.com/@TheGoldenBoltSean: https://www.youtube.com/@WolfkaosaunCHAPTERS00:00 Post-Pokemon Day Blues02:50 Round 1 begins (write down your SSN)35:20 Round 2 begins (seriously, write down your SSN)1:09:47 Round 3 begins (we already knew your SSN)

Dave and Chuck the Freak talk about Carnival Day, house listing with 5 antique cars, subreddit with all mirror listings, Marketplace listing for used toy box, another plane close call, plane had mechanical issues, teen injured in road rage incident with wrench, man gets attacked by bees, sinkhole in neighborhood swallowed a car and part of another, families became ill at Mexican resort, Luka’s first game against Dallas, value of Taylor Swift to the NFL, Chris Pratt watching BIL nude, David Beckham underwear ad, James Marsden wants to play Sinatra, iconic movies that shaped millennials, The Price Is Right episode 10000, Ozzy documentary, Tony Hawk and Kurt Cobain grandchild, Dave’s ass crack fear, guy with huge neck arrested for child abuse, guy on house arrest left home for nuggets, woman arrested for touching herself at soccer game, guy arrested after waving Chucky doll at people, martial arts instructor stops purse snatcher, 3 guys stabbed at mansion sex party, old woman slammed into 2 storefronts, distraction stealing, man accused of breaking into a house nude, $19 strawberry, Papa John’s Bath Bomb, daughter not issued SSN or birth certificate, 2 chatbots talk in secret language, stupid drink mistake a wedding guest made, and more!

Tariffs are often promoted as a way to protect American workers—but do they actually work? Dr. Erica Owen takes us through the fast-moving shifts in U.S. trade policy under President Trump and the ripple effects they're having on businesses, workers, and consumers. Who benefits, who pays the price, and what happens next? From the backlash against globalization to the forces reshaping American jobs, Dr. Owen explains what's at stake—and how policymakers can better support workers caught in the crossfire. For more on this topic: Read Owen's SSN key findings brief, Why Protectionist Trade Policies Still Won't Deliver for U.S. Workers.

In yet another busy weekend of news, there was another airline incident, as well as continued fallout from Eric Adams' corruption, Elon Musk has his eyes on your SSN, and the Department of Education gives schools an ultimatum. Plus - protests! Yet Another Airline Issue-via AP News, AP News, and Twitter Continued Fallout for Adams Corruption-via AP News, BBC, NBC News, and NY Times Elon + National Security-via NBC News, NPR, and NY Times Department of Education-via NY Times No Kings Day-via Rolling Stone and NPRTake the pledge to be a voter at raisingvoters.org/beavoterdecember. - on AmazonSubscribe tothe Substack: kimmoffat.substack.comA full transcript (with links) is available at kimmoffat.com/hwh-transcriptsAs always, you can find me on Instagram/Twitter @kimmoffat and TikTok @kimmoffatishere

Ankara Sayfası'nın yeni bölümüden gazeteci Erdal Sağlam büyük yankı uyandıran TÜSİAD açıklamasını ve iktidardan gelen tepkileri değerlendiriyor. TÜSİAD'ın verdiği mesajları değerlendiren Sağlam, iktidar cephesinden yükselen şiddetli tepkinin nedenlerini masaya yatırıyor. Sağlam, Ssn dönemde artan baskının arkasındaki en önemli sebeplerden bir tanesinin ekonomide bir hikayenin yazılamayacak olmasının anlaşılması olduğunu belirtti. Kurda yaşanan hareketler ve enflasyonun mevcut seviyesine dikkat çeken Sağlam, bundan sonra bizi nelerin beklediğini aktardı.

VOA 한국어 아침 뉴스 프로그램 '워싱턴 뉴스 광장'입니다. 도널드 트럼프 미국 행정부 출범 이후 대미 담화 빈도를 크게 늘린 북한이 이번엔 미국의 원자력 추진 잠수함(SSN)의 부산 입항을 비난하는 담화를 냈습니다. 미국의 한반도 전문가들은 지난주 미일 정상회담이 북한 비핵화와 미한일 3국 공조를 강조한 것에 주목하며 한반도와 역내 평화와 안보에 기여할 것으로 기대했습니다. 방송 시간: 한반도 오전 5:00~6:00 (UTC 20:00~21:00).

VOA 한국어 간판 뉴스 프로그램 '뉴스 투데이', 2025년 2월 11일 1부 방송입니다. 도널드 트럼프 미국 행정부 출범 이후 대미 담화 빈도를 크게 늘린 북한이 이번엔 미국의 원자력 추진 잠수함(SSN)의 부산 입항을 비난하는 담화를 냈습니다. 미국의 한반도 전문가들은 지난주 미일 정상회담이 북한 비핵화와 미한일 3국 공조를 강조한 것에 주목하며 한반도와 역내 평화와 안보에 기여할 것으로 기대했습니다. 방송 시간: 한반도 오후 8:00~9:00 (UTC 11:00~12:00).

VOA 한국어 간판 뉴스 프로그램 '뉴스 투데이', 2025년 2월 11일 2부 방송입니다. 도널드 트럼프 미국 행정부 출범 이후 대미 담화 빈도를 크게 늘린 북한이 이번엔 미국의 원자력 추진 잠수함(SSN)의 부산 입항을 비난하는 담화를 냈습니다. 미국의 한반도 전문가들은 지난주 미일 정상회담이 북한 비핵화와 미한일 3국 공조를 강조한 것에 주목하며 한반도와 역내 평화와 안보에 기여할 것으로 기대했습니다. 방송 시간: 한반도 오후 9:00~10:00 (UTC 12:00~13:00).

VOA 한국어 간판 뉴스 프로그램 '뉴스 투데이', 2025년 2월 11일 3부 방송입니다. 도널드 트럼프 미국 행정부 출범 이후 대미 담화 빈도를 크게 늘린 북한이 이번엔 미국의 원자력 추진 잠수함(SSN)의 부산 입항을 비난하는 담화를 냈습니다. 미국의 한반도 전문가들은 지난주 미일 정상회담이 북한 비핵화와 미한일 3국 공조를 강조한 것에 주목하며 한반도와 역내 평화와 안보에 기여할 것으로 기대했습니다. 방송 시간: 한반도 오후 11:00~자정 (UTC 14:00~15:00).

Join me for a discussion about opting out of fear. You are easier to control when you make your decisions from a fear-based place and that is why it is so profitable too keep our population divided and frantic. But you don't have to participate. You can mindfully move yourself to a place of awareness without the constant fear and build a better place for yourself and your family - and that it what homesteading is all about! We will also cover our usual Monday Segments. Featured Event: Cast Iron Webinar, Feb 23 at 6pm Sponsor 1: AgoristTaxAdvice.com/LFTN Sponsor 2: EMPShield.com, coupon code lftn Tales from the Prepper Pantry Concrete Pour on Wednesday do clearing the freezers out and needing to turn them off at night when it is cold Holler Stew, Carnivore style - lamb and chicken Idea for using up chicken breasts Excellent roast leg of lamb recipe Frugality Tip Making left overs sexy - frugality tip - - pair it with eating before you leave and Bone broth packets Operation Independence New car this weekend Main topic of the Show: How to Opt Out Of Fear Watching my more left friends freak out about DT Constant barrage of fear communications Homesteaders should market to leftys Reminds me of when Obama got elected and the response from the right Making decisions from a fear based place is almost never good for you in the long run - WHY >>Michelle's Car Story Mistake - fast decision under pressure and while still impacted by fear of the accident This is no different than the fear caused by terminal diagnosis, the news cycle, a tight budget, and more. So what do you do? >>Nicole's Car Story Slow your roll Cut off access to you of anything causing fear – people, news, even obsessing about your bank account. Go on a fear diet! 1-5 days, weeks if necessary.  Focus on success stories from people in a similar situation.  Collect the facts, not the opinions Elon Musk has access to your SSN!!!! We are all gonna DIE The reality of the situation is that you are no more at risk now than you were 2 weeks ago when some unnamed person with very little oversight had access to your information Look at what has historically happened in a similar fear cycle. Who did well and how/why. Who did poorly and how/why.   Fitness and Food  Think LONG TERM SUCCESS not short term fix – unless you need a tourniquet Back to your bank account fear: Poverty mindset IS making decisions out of fear. But the reality. Long term value over short term happiness is one thing. >>Selling the tahoe for parts story - its time has passed, time to scrap it for long term payoff of my time And when the sky is falling in the news? The same approach applies. If you are a more right leaning person, you are probably noting that articles are better reported all of the sudden by major news organizations. Or are they? What if you are just an anxious person? (Get help) Opting out of the fear cycle means going on a fear diet – AND a fake news diet – so that you can develop perspective for what truly matters and can make the best decisions for you in the long run rather than constantly control for the next thing. Make it a great week! GUYS! Don't forget about the cookbook, Cook With What You Have by Nicole Sauce and Mama Sauce.  Community Follow me on Nostr: npub1u2vu695j5wfnxsxpwpth2jnzwxx5fat7vc63eth07dez9arnrezsdeafsv Mewe Group: https://mewe.com/join/lftn Telegram Group: https://t.me/LFTNGroup Odysee: https://odysee.com/$/invite/@livingfree:b Resources Membership Sign Up Holler Roast Coffee Harvest Right Affiliate Link  

En febrero se entrega la pensión Mujeres Bienestar ¡Aqui te contamos!  Sismo de 4.0 en Colima: SSN Canadá trabaja para disminuir el fentanilo: Trudeau  Más información en nuestro podcast

Elevador cae en gimnasio en Hidalgo ¡No guarde el abrigo! SSN señalá que permanecen bajas temperaturas Rusia negociará garantías de seguridad para Ucrania Más información en nuestro podcast 

Today's episode is with Veda Ray, whose mission is to help mothers and fathers have babies out of the system and function perfectly without a birth certificate & SSN. We talk all things radical self-responsibility in birth and beyond and take a deep dive into what it looks like to have a baby that isn't conventionally registered.  Learn more about her courses and offerings through the links below: Is This The Right Path For My Family? Explore all the "what if's" and "what about" scenarios of not having a Birth Certificate and SSN Get a USA Passport Without a Birth Certificate Course Sovereign Baby Records - Don't get your baby a Birth Certificate, do this instead! 

Se reportan afectaciones en Coalcomán y Apatzingán tras sismo de 6.1 En la CDMX se activa Alerta Amarilla por bajas temperaturasPremio Nobel de la Paz iraní, levanta la voz contra ejecuciones en IránMás información en nuestro Podcast

Hasta el momento 311 réplicas del sismo en Coalcomán: SSN Profeco denunciará ante FGR a gasolinera por retirar lona Apple rechaza quitar programas de Diversidad e Inclusión  Más información en nuestro podcast

Winter Storm Blair has graced the Midwest with feet of snow. Unusual weather for …….. WINTER! Trump is not only going to claim Greenland, Seize Canada, reclaim the Panama Canal, and rename of the Gulf of Mexico to the Gulf of ‘Murica. Liberals hate it! Trudeau is stepping down in Canada and a Frenchman just might take his place. The Bird flu and HMPV are coming to kill you. South Korean President is holding strong, perhaps an Asian dry run for a future US Op? ISIS is back and its really really scary and we can’t stop it. Be scared. Indonesia becomes another BRIC in the wall, surpassing other nations still waiting. I’m sure their strategic location and oil resources had nothing to do with the decision. Alcohol might kill you, If RFK doesn’t kill you first! All that in more in MMO #152.   ART: SurveyorJose edged out Robert H. by making a requested piece of art featuring John and his closest Coyote “Friends”.   Executive Producers of MMO #152: SurveyorJose, The Venezuelan in the Chat Anon, payer of Euros Trashman, One of us, One of us   Fiat Fun Coupon Donators: Sharky Shark Seighme Emily the Fed Nail Lord of Gaylord Hempress Emily M.   Shownotes Ep 152   Weather             CBS US Snowstorm   Trump             Trumpy Trout             Gulf of America             Compilation of Foreign Policy Comments   South Korea             CNN President Arrest             BBC President Arrest   Canada             JT Resigns             Trump on Canada   UK             BBC Rape Gangs             Kier Starmer on Rapes   Energy             ABC Drilling   Bird Flu             ABC LA Death   Alcohol             ABC Alchey Cancer             CBS Goofy Report   RFK Impact             PBS RFK Impact Report   Film             Cinema Dumbing Down   Tech             Rhode Island Data Breach Rhode Island government had a MAJOR cyberattack on their RI Bridges system, it connects all the healthcare and social security and SNAP program benefits and payments. Over 600,000 people’s personal information (SSN, bank accounts, addresses, emails, etc) got leaked and we barely have 1,000,000 citizens in the whole state. HUGE story for us around here, goes back to a scandal when Gina Raimondo was our governor, before her current role at Commerce secretary. The system and websites had so many issues and errors at launch, they became tied in legal disputes with Deloitte for years demanding repairs and refunds. This is NOT being reported at all and the local government is blaming Deloitte and taking zero responsibility.   Local Story Link               Google Browser             VR Courtroom             Waymo Circles

5 nuevos aviones  llegaran a Mexicana de Aviación: Sheinbaum  Un sismo magnitud 4 despierta a Sinaloa  Groenlandia no esta en venta anuncia Dinamarca Más información en nuestro podcast

Send us a text HUGE: Larimar City Punta Cana Pre Construction Progress Dec 18th, 2024❤️️SSN Lifestyle Real Estate Investors Forum May 13th, 14th, 15th, 2025. Lawyers, bankers, new projects, special deals and more. Learn about investing in the Dominican Republic including business and real estate: https://www.ssnlifestyle.com

La jefa de Gobierno, Clara Brugada, reconoce la labor de la Policía Dan de alta a Luiz Inácio Lula da Silva tras dos operaciones en esta semana Hoy es el Día Mundial del Otaku ¡Aquí te contamos!  Más información en nuestro podcast

With the holiday season upon us, many are looking forward to spending time with family—reconnecting, sharing traditions, and reflecting on what really matters. Dr. Alvin Thomas shares insights into what it means to be a dad today—especially for Black fathers who are navigating cultural, economic, and social challenges. He explains why involved fathers are so vital for children, how traditional views of masculinity are being redefined, and what cultural and policy changes are needed to better support fathers in showing up for their families. For more on this topic: Listen to Thomas's award-winning podcast at The Black Fathers' Pulse. Read his SSN key findings brief: Fatherhood: Supporting Healthy, Resilient, and Thriving Family Ecosystems Read his op-ed co-written with Tova Walsh about fathers and their needs in The Hill.  

Send us a textUber/Lyft sent some of your social security numbers to TikTok, finally daily cash out for Amazon Flex Ep 224Episode Links:Amazon Driver Hits And Kills Elderly Woman, Continues Making Deliveries | iHeart Uber and Lyft unintentionally sent gig workers' SSN numbers to social media companies, researchers report   Uber Stock Falls As Tesla Surges On Report Trump Will Ease Self-Driving Rules | Investor's Business Daily  Lil Zay Osama Hit With Federal Prison Sentence For Leaving Loaded Machine Gun In Uber Uber Eats drivers who allegedly carried NSW passengers unlawfully could cost rideshare giant $1.5m in fines  Waymo's robotaxis are now available to everyone in Los Angeles - The Verge https://techcrunch.com/2024/11/05/amazon-begins-delivering-certain-products-via-drone-in-phoenix/?_hsenc=p2ANqtz-_pt0GcLOZpsVorPlOESHC-wSkpzKO9Y5t93rOsMUf15hJ4ku4NMeAWbX0lLYXhcTlwfd1vvJVzsf8Bk33eTgjJWL2q9A&_hsmi=332547945 Support the showEverything Gig Economy Podcast Related: Download the audio podcast Do you want to pee in something fancy when you can't find a bathroom? Use the code: THEGIGECONOMYPODCAST for 10% off A mobile vending machine for your car! Octopus is a mobile entertainment tablet for your riders. Earn 100.00 per month for having the tablet in your car! No cost for the driver! Want to earn more and stay safe? Download Maxymo Love the show? You now have the opportunity to support the show with some great rewards by becoming a Patron. Tier #2 we offer free merch, an Extra in-depth podcast per month, and an NSFW pre-show https://www.patreon.com/thegigeconpodcast Community Facebook Group The Gig Economy Podcast Group. Download Telegram 1st, then click on t...

The medical records of 1/3 of Americans were stolen from Change Healthcare in February 2024, and leaked to the dark web. So who is Change Healthcare, and why did they have your data in the first place? Get the skinny on this week's episode.ResourcesChange Healthcare Cyberattack Affected 100 Million IndividualsThe Change Healthcare attack: Explaining how it happenedWyden Hearing Statement on Change Healthcare Cyberattack and UnitedHealth Group's ResponseTestimony of Andrew Witty, Chief Executive Officer, UnitedHealth Group Before the House Energy and Commerce Committee Subcommittee on Oversight and Investigations “Examining the Change Healthcare Cyberattack”The impact of the Change Healthcare cyberattack: What to knowChange Healthcare Cyberattack: What Consumers Should KnowReceived a letter from Change Healthcare? What you should do nextChange Healthcare Attack Cost Estimate Reaches Nearly $2.9BChange Healthcare Finally Admits It Paid Ransomware Hackers $22 Million—and Still Faces a Patient Data LeakSend us a textEveryday AI: Your daily guide to grown with Generative AICan't keep up with AI? We've got you. Everyday AI helps you keep up and get ahead.Listen on: Apple Podcasts SpotifySupport the showJoin our Patreon to listen ad-free!

En el Premium Outlet Punta Norte en Cuautitlán Izcalli se reportó un incendio, no hay victimas  La UACH tendrá un incremento de 3.5 % en su presupuesto a comparación al 2024   Vladimir Putin, firma decreto que permite a Moscú utilizar armas nucleares  Más información en nuestro podcast

Obras del Trolebús Santa Martha-Chalco concluirán entre mayo y junio del 2025: Delfina Gómez Caravana migrante llega a San Pedro Tapanatepec, Chiapas  Occidente quiere una escalada del conflicto Ucraniano: Serguéi LavrovMás información en nuestro podcast

How can you keep hackers from getting your Social Security Number? You can't. Between breaches of Equifax, the healthcare industry, and the recent National Public Data leak, your SSN is probably already making the rounds on the dark web. But you can fight back with some simple security measures.In this episode, we call back to our very first episode on the Equifax breach of 2017, and revisit the lessons learned and how they pertain to cybersecurity today, and in the future.ResourcesKrebs on Security: NationalPublicData.com Hack Exposes a Nation's DataSBA: COVID-19 Pandemic EIDL and PPP Loan Fraud LandscapeA Third of Americans Have had Their Social Security Numbers Leaked in Healthcare BreachesUsa.gov: How to place or lift a security freeze on your credit reportTroy Hunt: Inside the "3 Billion People" National Public Data BreachWatchdogs: SBA handed out over $80 billion in potentially fraudulent loansNBC News: 'Biggest fraud in a generation': The looting of the Covid relief plan known as PPPWIRED: LifeLock CEO's Identity Stolen 13 TimesYouTube: Lifelock CommercialBlue Grit Podcast: The Voice of Texas Law EnforcementHost: Clint McNear and Tyler Owen discussing topics, issues, and stories within the...Listen on: Apple Podcasts SpotifySupport the showJoin our Patreon to listen ad-free!

GOOD EVENING: The show begins in NATO's annual nuclear weapon exercise... CBS EYE ON THE WORLD WITH JOHN BATCHELOR FIRST HOUR 9-915 #NATO: Nukes are useless as strategic or tactical weapons. Anatol Lieven, Quincy Institute. 915-930 #RUSSIA: The bleak future for the young. Anatol Lieven, Quincy Institute 930-945 #AI: #SCALAREPORT: ASML, TSMC, NVDA and market bubbles. Chris Riegel CEO, Scala.com @Stratacache 945-1000 #CANADA: The unexamined allegations of "cultural genocide" Mary Anastasia O'Grady. SECOND HOUR 10-1015 #GAZA: Sinwar KIA. Peter Berkowitz, Hoover Institution 1015-1030 #CANADA: Self-regarding fiction writers and Hamas. Conrad Black, National Post. 1030-1045 #SSN: 2033 and bust. Veronique De Rugy, Mercatus Center, George Mason University 1045-1100 #MARS: SPACEX and the Asteroid Belt Gateway. Brandon Weichert, author, "WINNING SPACE." THIRD HOUR 1100-1115 1/8: The Missing Thread: A Women's History of the Ancient World by Daisy Dunn (Author) 1115-1130 2/8: The Missing Thread: A Women's History of the Ancient World by Daisy Dunn (Author) 1130-1145 3/8: The Missing Thread: A Women's History of the Ancient World by Daisy Dunn (Author) 1145-1200 4/8: The Missing Thread: A Women's History of the Ancient World by Daisy Dunn (Author) FOURTH HOUR 12-1215 #NewWorldReport: Mexico welcomes a new president keen on market growth. Latin American Research Professor Evan Ellis, U.S. Army War College Strategic Studies Institute. @revanellis #NewWorldReportEllis 1215-1230 #NewWorldReport: Venezuela sinks back into tyranny. Latin American Research Professor Evan Ellis, U.S. Army War College Strategic Studies Institute. @revanellis #NewWorldReportEllis 1230-1245 #NewWorldReport: Argentina sees inflation dropping sharply. Latin American Research Professor Evan Ellis, U.S. Army War College Strategic Studies Institute. @revanellis #NewWorldReportEllis 1245-100 am #NewWorldReport: Amazon River in severe drought. Latin American Research Professor Evan Ellis, U.S. Army War College Strategic Studies Institute. @revanellis #NewWorldReportEllis 1918 DC

  The Show Notes   Memory, a whale, and summer camp Intro MIM (Musical Instrument Museum) Things People Love that Actually Suck      - Public Proposals From George Hrab: Stocking Stuffer      - “The Christmas Pants” Religious Moron of the Week      - Rev. Barry Stechschulte Damian Handzy's Facts That'll Fuck Y'Up      - Coke, Double Rainbow, SSN, FDR's Trees, more… Tell Me Something Good      - Short Story Vending Machine in Oregon Christmas Sweaters Dec.19th Show Close .........................   Mentioned in the Show   Patton Oswalt Christmas Shoes The Christmas Shoes The Christmas Sweaters tickets for Thu. Dec.19th thechristmassweaters.eventbrite.com .........................   New HraBand on Bandcamp  The George HraBand: Live at Liederplatz on Bandcamp .........................   Get Terpsichore Here   https://georgehrab.hearnow.com https://georgehrab.bandcamp.com ................................... SUBSCRIBE! You can sign up at the Geologic Podcast page and become a Geologist or a Geographer. As always, thank you so much for your support! You make the ship go. ................................... Sign up for the mailing list: Write to Geo! Check out Geo's wiki page, thanks to Tim Farley. Have a comment on the show, a Religious Moron tip, or a question for Ask George? Drop George a line and write to Geo's Mom, too!

Shannon Morse joins the show to talk about how a data breach might impact you, as well as to clear up a few things the media tends to get wrong about data breaches. Plus, we have news about AI, NASA and more!See omnystudio.com/listener for privacy information.

Dave and Chuck the Freak talk about a woman who stuffed sausages up her butt on Germany's Got Talent, old school names that will never come back, school field trip ends with a teen arrested, woman had seizure behind the wheel and son flagged down help, man accused of a Ponzi scheme, GM being sued for violating privacy, Waymo cars go into a parking lot and honk while they park themselves, march for topless equality in Boston this weekend, Subway sales plummeting, owner of Brewers accused of stealing sand, Red Sox player was hospitalized with a scary infection, MGK threw ball into stands instead of doing first pitch, Australian breakdancer RayGun cashing in on Olympic performance, Chiefs player offers to pay for the stolen chicken wings to get lunch lady out of jail, Elle King says Rob Schneider was a horrible father, Blake Lively feud with director, George Clooney auctions himself off for charity, Paramount+ to air Dating Naked UK show, Poltergeist home up for sale, naked man breaks into tourist's rental, nude man takes his dog for a walk, guy shot his dad in the face over argument about stinky feet, arsonist catches himself on fire while destroying a barber shop, food bank accidentally handed out meth-laced candies, what's the strangest thing you've done for love?, 8-year-old used bat to fight off robber at her dad's liquor store, work crew breaks water main and water shoots right at house, neighbor stopped abduction of a teen, kids ran home after stranger tried to lure them into SUV, massive data breach involves every SSN number and everyone's address, Taco Bell bringing back popular menu items from 1960s-2000s, RIP Famous Amos, state fair foods we're Googling, cop busted peeper, sinkhole opened up at woman's brand new home, man found baby iguana in his toilet, crossing guard banned from giving students high fives, kayakers surrounded by sharks, bear broke into a classroom, man wins $4M lotto prize, overworked and exhausted woman moves into retirement home at age 38, and more!