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Private research university in Stanford, California, US

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    Aiming For The Moon
    China's Great Firewall - Censorship in the Asian Superpower: Dr. Margaret E. Roberts (Professor in the Department of Political Science @ University of California, San Diego, and author of "Censored")

    Aiming For The Moon

    Play Episode Listen Later Aug 13, 2022 22:20


    In this episode, I talk with Dr. Margaret E. Roberts (scroll down for full bio) about China and the new age of censorship. Topics:Methods of modern censorshipWhy free speech is bad for regimes How much does the average Chinese Citizen know?How censorship creates factions in ChinaShould the West intervene?The global impact of censorshipDemocracies and censorshipCensorship and Covid-19 in ChinaBooks Mentioned: (I get a cut)Censored: Distraction and Diversion inside China's Great Firewall by Margaret E. Roberts - https://amzn.to/3QJODtEStories of Your Life and Others by Ted Chiang - https://amzn.to/3QKcnODMargaret Roberts is a Professor in the Department of Political Science and the Halıcıoğlu Data Science Institute at the University of California, San Diego. She co-directs the China Data Lab at the 21st Century China Center. Her research interests lie in the intersection of political methodology and the politics of information, with a specific focus on methods of automated content analysis and the politics of censorship and propaganda in China.  She received a PhD from Harvard in Government (2014), MS from Stanford in Statistics (2009) and BA from Stanford in International Relations and Economics (2009).  Her book, Censored: Distraction and Diversion Inside China's Great Firewall, published by Princeton University Press in 2018, was listed as one of the Foreign Affairs Best Books of 2018, was honored with the Goldsmith Book Award, and has been awarded the Best Book Award in the Human Rights Section and Information Technology and Politics Section of the American Political Science Association. She holds a Chancellor's Associates Endowed Chair at UCSD.Socials! -Lessons from Interesting People substack: https://taylorbledsoe.substack.com/Website: https://www.aimingforthemoon.com/Instagram: https://www.instagram.com/aiming4moon/Twitter: https://twitter.com/Aiming4MoonTaylor's Blog: https://www.taylorgbledsoe.com/YouTube: https://www.youtube.com/channel/UC6-TwYdfPcWV-V1JvjBXk

    Pediheart: Pediatric Cardiology Today
    Pediheart Podcast Replay of #45: PA/VSD with MAPCA's - The Stanford Approach and Experience

    Pediheart: Pediatric Cardiology Today

    Play Episode Listen Later Aug 12, 2022 44:06


    This week we review a landmark paper reviewing the very large experience of Dr. Hanley and his team at Stanford University in managing VSD/PA with MAPCA's. What advantages are seen with the 'midline unifocalization' approach popularized by this team over the past 20+ years? Is this an approach that can be broadly applied or are the technical operative skills too challenging for most? Why are these operations so difficult? How does the Stanford team decide who is a candidate for a single operation and who is not? We explore many of these topics and others with Surgery Professor Richard Mainwaring of Stanford University who is the first author of this important paper published recently in JTCVS. You will not want to miss Dr. Mainwaring's insightful commentary on the challenges and potential benefits of this very complex and painstaking approach. doi: 10.1016/j.jtcvs.2018.03.153.

    Fish Out of Water: The SwimSwam Podcast
    Greg Meehan Shares Perspective on Regan Smith's Departure from Stanford

    Fish Out of Water: The SwimSwam Podcast

    Play Episode Listen Later Aug 11, 2022 32:44 Very Popular


    We sat down with Stanford head coach Greg Meehan to discuss the departure of Regan Smith from Stanford after 1 year to turn pro and go train with Bob Bowman at Arizona State. Meehan is candid as he shares his disappointment and sadness to see Smith leave the Cardinal, not only as an athlete but as a teammate and friend to the rest of the women under his mentorship. But he also shares that even though he doesn't necessarily agree that leaving is the best thing for Smith to do, he understands that she thinks it is the best thing for her career, and Meehan respects and honors that. We also talk to Meehan about how he's dealt with pros turning a new leaf and leaving the Stanford program in the past, why he decided to train Torri Huske for the 400 IM, and what his life is like now that he isn't preparing to be the head Olympic coach.

    New Books Network
    Jamie Ducharme, "Big Vape: The Incendiary Rise of Juul" (Henry Holt, 2021)

    New Books Network

    Play Episode Listen Later Aug 11, 2022 36:03


    It began with a smoke break. James Monsees and Adam Bowen were two ambitious graduate students at Stanford, and in between puffs after class they dreamed of a way to quit smoking. Their solution became the Juul, a sleek, modern device that could vaporize nicotine into a conveniently potent dosage. The company they built around that device, Juul Labs, would go on to become a $38 billion dollar company and draw blame for addicting a whole new generation of underage tobacco users. Time magazine reporter Jamie Ducharme follows Monsees and Bowen as they create Juul and, in the process, go from public health visionaries and Silicon Valley wunderkinds to two of the most controversial businessmen in the country. With rigorous reporting and clear-eyed prose that reads like a nonfiction thriller, Big Vape: The Incendiary Rise of Juul (Henry Holt, 2021) uses the dramatic rise of Juul to tell a larger story of big business, Big Tobacco, and the high cost of a product that was too good to be true. Jamie Ducharme is a correspondent at Time magazine, where she covers health and science. Caleb Zakarin is the Assistant Editor of the New Books Network (Twitter: @caleb_zakarin). Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

    Locked on Ducks - Daily Podcast On Oregon Ducks
    Will Oregon Football enact revenge against Stanford in 2022?

    Locked on Ducks - Daily Podcast On Oregon Ducks

    Play Episode Listen Later Aug 11, 2022 31:46


    After a major upset of then #3-ranked Ohio State in 2021, Oregon Football found itself allowing an inferior Stanford team to hang around and ultimately leave victorious in Palo Alto with the Ducks ranked #3 in the country. This year's matchup between the Ducks and the Cardinal comes in the confines of Autzen Stadium, where Stanford has had more success over the last 10-12 years than most Pac-12 schools. Are the Ducks bound to erase the memory of last year's loss and defeat a potentially resurgent Stanford team in 2022? On today's episode of Locked On Ducks, Spencer McLaughlin is joined by Max Torres, host of the 'Ducks Dish' podcast who covers the Ducks for Fan Nation at Sports Illustrated. They both expect the Cardinal to be an improved football team from 2021, but will it be enough to complete the daunting task of winning at Autzen Stadium? Having an NFL-caliber QB in Tanner McKee is a good place to start. Perhaps the area where Stanford has lost its way the most is on the defensive side of the ball, where in years past their defensive fronts have given Oregon fits. The Ducks were missing their offensive coordinator in last year's game in Palo Alto (Joe Moorhead, now Akron HC) and that appeared to have a big impact on the offense. Spencer and Max also go through the biggest position group matchups to watch out for when these teams meet in week 5. Support Us By Supporting Our Sponsors! LinkedIn LinkedIn jobs helps you find the candidates you want to talk to, faster. Post your job for free at Linkedin.com/lockedoncollege Terms and conditions apply. Built Bar Built Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKED15,” and you'll get 15% off your next order. BetOnline BetOnline.net has you covered this season with more props, odds and lines than ever before. BetOnline – Where The Game Starts! Learn more about your ad choices. Visit podcastchoices.com/adchoices

    New Books in American Studies
    Jamie Ducharme, "Big Vape: The Incendiary Rise of Juul" (Henry Holt, 2021)

    New Books in American Studies

    Play Episode Listen Later Aug 11, 2022 36:03


    It began with a smoke break. James Monsees and Adam Bowen were two ambitious graduate students at Stanford, and in between puffs after class they dreamed of a way to quit smoking. Their solution became the Juul, a sleek, modern device that could vaporize nicotine into a conveniently potent dosage. The company they built around that device, Juul Labs, would go on to become a $38 billion dollar company and draw blame for addicting a whole new generation of underage tobacco users. Time magazine reporter Jamie Ducharme follows Monsees and Bowen as they create Juul and, in the process, go from public health visionaries and Silicon Valley wunderkinds to two of the most controversial businessmen in the country. With rigorous reporting and clear-eyed prose that reads like a nonfiction thriller, Big Vape: The Incendiary Rise of Juul (Henry Holt, 2021) uses the dramatic rise of Juul to tell a larger story of big business, Big Tobacco, and the high cost of a product that was too good to be true. Jamie Ducharme is a correspondent at Time magazine, where she covers health and science. Caleb Zakarin is the Assistant Editor of the New Books Network (Twitter: @caleb_zakarin). Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/american-studies

    LetsRun.com's Track Talk
    Hoare, Willis, Moraa, & Muir Gold, Rupp to New York, Youngs to Stanford, Monaco Preview And Do Any Meets Matter?

    LetsRun.com's Track Talk

    Play Episode Listen Later Aug 10, 2022 98:21 Very Popular


    What a week. The Commonwealth Games delivered, Roisin Willis and Juliette Whittaker showed the US has a very bright future at 800 (even when you ignore Athing Mu), Sydney McLaughlin ran a race in Europe, the Young brothers are going to Stanford, Galen Rupp is finally running the New York City Marathon, and we end with a preview of the 2022 Monaco Diamond League Meet. Want a 2nd podcast every week and huge savings on running shoes? Join our Supporters Club and take your running fandom to the highest level. Get all the LetsRun.com content, a second podcast every week, savings on running shoes, and a lot more. https://www.letsrun.com/subscribe Show notes?: 0:00 Start banter 6:09 Commonwealth 1500: Ollie Hoare Gets Gold 16:21 Commonwealth 1500 Women: Abbey Caldwell gets bronze, Muir her gold 21:09 Women's 800m: Mary Moraa wins crazy race 26:35 The Commonwealth Crowds, Props to Muir for Doubling, Natoya Goule 35:51 Sydney McLaughlin Skips Monaco Diamond League for Gyulai István Memorial 43:58 Dumb Idea of Week: Repechage Round Added to Olympics 49:15 10th Anniversary of David Rudisha's 1:40.91 800m World Record 57:10 Letsile Tebogo to Oregon +Jerry Schumacher's 1st Press Conference 62:09 Roisin Willis World Under 20 800m Gold Medal, Juliette Whittaker Bronze 66:20 Leo and Lex Young to Stanford 75:55 Galen Rupp running 2022 NYC Marathon 75:55 Rupp to NYC 83:49 Allyson Felix's Final Race This Weekend 87:10 Preview of 2022 Monaco Diamond League Meet Here is Rojo's LIV Golf article. https://sports.yahoo.com/liv-golf-fun-not-pga-100136629.html Contact us: Email podcast@letsrun.com or call 1-844-LETSRUN for the secret podcast voicemail. Join our Supporters Club and take your running fandom to the highest level. Get all the LetsRun.com content, a second podcast every week, savings on running shoes, and a lot more. https://www.letsrun.com/subscribe Check out the LetsRun.com store. https://shop.letsrun.com/ We've got the softest running shirts in the business. Thanks for listening. Please rate us on itunes and spread the word with a friend. There is a reason we're the #1 podcast dedicated to Olympic level running. Send us your feedback online: https://pinecast.com/feedback/letsrun/cf534299-3942-4ce0-af4e-5c31887efaba

    Love thy Lawyer
    Tony Serra / The Original True Believer - Stanford

    Love thy Lawyer

    Play Episode Listen Later Aug 10, 2022 32:29


    lovethylawyer.comA transcript of this podcast is available at lovethylawyer.com.Tony Serrahttps://pier5law.com/attorneys/j-tony-serra/Wikipediahttps://en.wikipedia.org/wiki/Tony_SerraGraduate Stanford University, Philosophy Graduate Boalt Hall, UC Berkeley,  Law ReviewHas practiced criminal defense for over forty years, specializing in jury trials. A little known fact is that Tony Serra started his career as a trial attorney as a Deputy District Attorney in Alameda County.Tony Serra has spent his life defending society's outcasts. He began his practice in the 1960's, an era he calls the golden age of law. Perceiving himself in the role of a warrior, Mr. Serra has continued to battle for more freedom for more people through law. His role in the Chol Soo Lee case was depicted in the film True Believer. Tony Serra has always known how to express the poetry of the law, while fighting in the ditches and dark alleys of legal practice. He has gained national prominence for his closing argument techniques.Over the past 30 years Mr. Serra has spoken to hundreds of professional organizations on various legal issues in multiple forums in 14 different states.  Louis Goodman www.louisgoodman.com louisgoodman2010@gmail.com 510.582.9090 Musical theme by Joel Katz, Seaside Recording, Maui Technical support: Bryan Matheson, Skyline Studios, OaklandAudiograms & Transcripts: Paul Roberts    We'd love to hear from you.  Send me an email at louis@lovethylawyer.com. Please subscribe and listen. Then tell us who you want to hear and what areas of interest you'd like us to cover.  Please rate us and review us on Apple Podcasts.    

    FAR OUT: Adventures in Unconventional Living
    [Repost] FAR OUT #4 ~ The Art of Work

    FAR OUT: Adventures in Unconventional Living

    Play Episode Listen Later Aug 10, 2022 64:31


    Alasdair and Julie-Roxane discuss Jeff Goin's book, The Art of Work, and how they think about work these days.Listen to this week's episode and explore:The difference between your purpose and your calling - 9.43 Exercises for hearing your calling - 17.15 The importance of apprenticeship - 20.32 The myth that it should be easy - 24.04 The art of painful practice - 30.44 Julie-Roxane singing in French - 39.01The importance of rest - 44.21 The "you'll just know" myth - 46.50 Leading a "portfolio life" - 54.37 Mentioned in the episode:The Art of Work by Jeff Goins Mindset: The New Psychology of Success by Carol Dweck (Farnam Street gives a good outline of her book and the growth mindset idea here) Our favorite Indian incense (We also like their variety pack.)Let Your Life Speak by Parker Palmer Steven Spielberg: Listen to the Whisper Steve Jobs' 2005 Stanford commencement speechPardon My French with Garance Dore Outliers by Malcom Gladwell (10,000 hours idea)Anders EricksenYosemite retreat Julie-Roxane and Alasdair are hosting in July 2019Alasdair's 100% recycled greeting cards Alasdair's blogWays you can support this podcast:Leave a review on itunesDonate to the FAR OUT podcastShare this episode with others! :DEmail us at host@thefaroutpodcast.comCredits:Intro music: "Complicate ya" by Otis McDonaldOutro music: "Running with wise fools" written & performed by Krackatoawww.krackatoa.com

    The Coach Tony Franklin Podcast
    2022 College Football Coaches Starting The Season On The Hot Seat...Who and Why and Why Not? (Replay)

    The Coach Tony Franklin Podcast

    Play Episode Listen Later Aug 10, 2022 33:11


    Auburn, Nebraska, South Florida, Georgia Tech, Stanford??? What's real and what's phony rumors of hot seat coaches for 2022

    Mixtape: The Podcast
    S1E24: Interview with Ronny Kohavi, Computer Scientist

    Mixtape: The Podcast

    Play Episode Listen Later Aug 10, 2022 57:27


    Ronny Kohavi, PhD“Economists in tech” is a podcast series of mine trying to tell the story of the movement predominantly Economics PhD talent into and throughout the emerging tech sector. Previously interviews have been with Michael Schwarz (Microsoft), Susan Athey (Stanford, now DOJ, formerly Microsoft), and John List (Chicago, Wal-mart). But this week I chose to share an interview I did a month ago with a prominent computer scientist named Ronny Kohavi. Economists may not know about Ronny. Ronny did his PhD at Stanford in 1995, and was at ground zero to watch major advances happen in tech. His early work was in machine learning, and many of his most cited papers remain in that area too. But something that he has also been instrumentally involved in is from day one in tech being an aggressive evangelist, promoter and guide for the adoption and design of randomized controlled trials now used extensively within tech (called there A/B test not RCT). His recent book with Tang and Hu, "Trustworthy Online Controlled Experiments” discusses in detail his thoughts on this topic.In a lot of ways, Ronny could just as easily fit in the “causal inference” series, but I chose to pin him in this because I think he is more broadly familiar to the tech sector for pushing for the randomized experimental design, and I thought that might be interesting for those of us who stand outside with curiosity tech. If you want to study with Ronny, he teaches a regular workshop at Sphere on RCTs. Scott's Substack is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Get full access to Scott's Substack at causalinf.substack.com/subscribe

    What's On Your Mind
    8-10-22 What's On Your Mind Hour 1

    What's On Your Mind

    Play Episode Listen Later Aug 10, 2022 48:03


    26:54 - Scott Powell - fellow at Stanford's Hoover Institution and is currently senior fellow at Discovery Institute What's on your mind? We want to know! Call and tell us at 1-800-228-0550. Subscribe on Spotify, Apple, Google, or YouTube

    OldGuyTalksToMe
    136. Longevity with Elizabeth Yurth, MD

    OldGuyTalksToMe

    Play Episode Listen Later Aug 10, 2022 60:53


    We all want to live a long and healthy life, right? Well, today's episode is a good one. We got Elizabeth Yurth, MD with us discussing longevity and what she's doing to help her patients get a long and healthy life. There's a lot we'll be covering today from regenerative medicine to anti aging, hormore treatment to health optimization. All this and a lot more in today's episode of Old Guy Talks To Me.   Go to www.thestandard.academy/getmagazine to become one of the first to get my digital magazine for free that'll help you create a kick-ass life.   Elizabeth Yurth, MD is the Medical Director of the Boulder Longevity Institute which she co-founded in 2006. The Boulder Longevity Institute specializes in advanced, research-based longevity medicine including treatments such as Bioidentical Hormone Replacement Therapy, Regenerative Orthopedic Procedures, and Regenerative Peptide Therapy, with a result-oriented approach to health optimization.   Dr. Yurth obtained her Medical Degree from the University of Southern California Keck School of Medicine and completed her residency at the University of California – Irvine. Along with her 25-plus years as a practicing orthopedist specializing in sports and spine medicine, Dr. Yurth has made it her mission to learn and share the latest scientific research on how to truly heal the body at the cellular level.   She is double board-certified in Physical Medicine & Rehabilitation and Anti-Aging/Regenerative Medicine. As a specialist in Sports, Spine, and Regenerative Medicine, Dr. Yurth has a Stanford-affiliated Fellowship in Sports and Spine Medicine, and a dual-Fellowship in Anti-Aging and Regenerative Medicine (FAARM) and Anti-Aging, Regenerative and Functional Medicine (FAARFM) through the American Academy of Anti-Aging Medicine (A4M).   Dr. Yurth has also completed Fellowship training in Human Potential & Epigenetic Medicine and Cellular Medicine, is part of the first cohort of providers to receive the A4M National Peptide Certification, and is a founding faculty member and national lecturer for SSRP (Seeds Scientific Research and Performance).   Website & Social Links: Boulder Longevity Institute (BLI): www.boulderlongevity.com BLI's Human Optimization Academy:www.bli.academy BLI's curated supplement & product store: www.OHPHealth.com Instagram: @boulderlongevity, @dryurth Facebook: https://www.facebook.com/BoulderLongevityInstitute/   Disclaimer for all media appearances: DISCLAIMER: All information, content, and material of this interview is for informational purposes only and is not intended to serve as a substitute for the consultation, diagnosis, and/or medical treatment of a qualified physician or healthcare provider. Dr. Yurth will not be answering questions related to your specific medical care or personal medical decisions.   A bit about me (Dr. Orest Komarnyckyj): Dr. Orest Komarnyckyj enjoyed a prestigious career as a periodontal regenerative surgeon moving to a new passion in June 2018. He retired after a 33-year career to pursue new passions. At 69 Dr. Orest has taken on a new role as an Interviewer, Podcaster and government-certified Old Guy. He streams from his new home in Las Vegas, NV. He lives with his wife of 29 years, Oksana. His status as an empty-nesters with two out of college-employed children has left him with time and energy to share decades of successes, failures, and wisdom.   Timestamps: 00:00 - Precap 00:56 - Intro 02:04 - Guest introduction 04:55 - Most important thing Dr. Yurth has done today 08:20 - What does longevity mean to you? 09:50 - My ostomy journey 10:50 - Fear of becoming decrepit 12:30 - Testosterone optimization 13:28 - Foundational health 20:00 - Traditional medicine 20:30 - Resistance regarding hormone therapy 25:16 - What are peptides and why do they need to be medically managed? 32:10 - Commercial 32:42 - Commercial ends/Supplements for improving mitochondrial health 34:31 - Thoughts on NAD 38:10 - What is regenerative orthopedics? 44:02 - What is your decision process of what to use where? 46:40 - What would be the 3-5 supplements that you think people should be taking? 55:00 - Working with Dr. Yurth 58:30 - Closing thoughts 1:00:00 - Outro

    Muscle Maven Radio
    Ep 3: Women Are Not Small Men with Dr. Stacy Sims

    Muscle Maven Radio

    Play Episode Listen Later Aug 9, 2022 60:19 Very Popular


    In this episode, Ashleigh chats with Dr. Stacy Sims, an exercise physiologist and leading voice in women's performance. She has directed research programs at Stanford, AUT University, and the University of Waikato, focusing on female athlete health and performance and pushing to improve research on all women. She's written two books, Roar and Next Level, and is well known for her ted talk women are not small men – her goal, similar to Rachel and Ashleigh's, is to educate everyone about the unique challenges and needs of women who are looking to improve health and performance. Please sign up for the Muscle Science for Women e-mail list to be the first to know about our program, new launches, and more: https://www.metflexlife.com/msw Reach out to us with questions and comments at musclescience4women@gmail.com. And thank you to our show sponsor, Optimal Carnivore, the makers of high-quality, nutrient-dense whole food supplements. We love their grass-fed organ complex, and you'll get 10% off your first order with the discount code MUSCLESCI on their Amazon Store: https://www.amazon.com/optimalcarnivore  Follow and learn more about Rachel at metflexlife.com and on IG at @rachelgregory.cns Follow and learn more about Ashleigh at ashleighvanhouten.com and on IG @themusclemaven

    The Gary Null Show
    The Gary Null Show - 08.09.22

    The Gary Null Show

    Play Episode Listen Later Aug 9, 2022 57:53


    Videos: The healthcare system is a giant SCAM (that you pay for) – Sorelle Amore Finance Failure after failure: Private hospitals' appalling treatment of pregnant mum | 60 Minutes Australia   HEALTH NEWS B vitamins can potentially be used to treat advanced non-alcoholic fatty liver disease Decreased acetyl-L-carnitine levels associated with depression Skip the texts: Face-to-face meetings make college students happier Eating more plant protein associated with lower risk of death Heat therapy boosts mitochondrial function in muscles Your soap and toothpaste could be messing with your microbiome   B vitamins can potentially be used to treat advanced non-alcoholic fatty liver disease Duke University Medical School, August 6, 2022 Scientists at Duke-NUS Medical School have uncovered a mechanism that leads to an advanced form of fatty liver disease—and it turns out that vitamin B12 and folic acid supplements could reverse this process. These findings could help people with non-alcoholic fatty liver disease, an umbrella term for a range of liver conditions affecting people who drink little to no alcohol, which affects 25% of all adults globally, and four in 10 adults in Singapore.  Non-alcoholic fatty liver disease involves fat build-up in the liver and is a leading cause of liver transplants worldwide. When the condition progresses to inflammation and scar tissue formation, it is known as non-alcoholic steatohepatitis (NASH).  Dr. Tripathi, study co-author Dr. Brijesh Singh and their colleagues in Singapore, India, China and the US confirmed the association of homocysteine with NASH progression in preclinical models and humans. They also found that  when homocysteine attached to a protein called syntaxin 17, it blocked the protein from performing its role of transporting and digesting fat (known as autophagy, an essential cellular process by which cells remove malformed proteins or damaged organelles) in fatty acid metabolism, mitochondrial turnover, and inflammation prevention. This induced the development and progression of fatty liver disease to NASH.  Importantly, the researchers found that supplementing the diet in the preclinical models with vitamin B12 and folic acid increased the levels of syntaxin 17 in the liver and restored its role in autophagy. It also slowed NASH progression and reversed liver inflammation and fibrosis.    Decreased acetyl-L-carnitine levels associated with depression Stanford University, July 30 2022.  An article that in the Proceedings of the National Academy of Sciences reported a link between low levels of acetyl-L-carnitine and a greater risk of depression. Acting on the findings of animal research conducted by lead author Carla Nasca, PhD, the researchers recruited men and women between the ages of 20 and 70 years who had been admitted to Weill Cornell Medicine or Mount Sinai School of Medicine for treatment of acute depression. Clinical assessments were conducted upon enrollment and blood samples were analyzed for levels of acetyl-L-carnitine. In comparison with levels measured in blood samples provided by 45 demographically matched healthy men and women, acetyl-L-carnitine blood levels in depressed subjects were substantially lower. Acetyl-L-carnitine levels were lowest among depressed patients who had severe symptoms, a history of treatment resistance, or early onset disease. Having a history of childhood abuse was also associated with low acetyl-L-carnitine levels. “We've identified an important new biomarker of major depression disorder,” Dr Rasgon stated. What's the appropriate dose, frequency, duration? We need to answer many questions before proceeding with recommendations, yet.    Skip the texts: Face-to-face meetings make college students happier University of Hamburg (Germany), August 5, 2022 In a world where everyone spends more and more time with eyes fixed on their phones, new research suggests young people feel happier after socializing with friends in person rather than virtually The conclusion is an outgrowth of nearly four years spent analyzing how social habits of more than 3,000 college students affected their state of mind. “The findings of this study suggest that talking to people face to face makes us feel better than texting back and forth, for example,” said James Maddux, senior scholar at the Center for the Advancement of Well-Being in Fairfax, Va., who reviewed the results. Led by Lara Kroencke, of the University of Hamburg in Germany, the researchers noted that other studies have consistently shown that people tend to feel better after socializing with others.To better explore that question, Kroencke's team conducted three studies between 2017 and 2020 with students from the University of Texas at Austin. Researchers chose that age group because of the “intense” socializing that tends to take place during that phase of life. Participants between 18 and 24 years old; 37% were white, 23% were Asian, 23% were Hispanic, nearly 5% were Black, and the rest identified as multiracial. The result: Students tended to feel best after interacting with others in person or through a mix of in person and virtual, versus entirely by computer or phone. Interacting only virtually was, however, better for well-being than no interaction at all, the team stressed. They also found that socializing with close friends brought about a greater overall sense of well-being than engaging with either family or someone a person didn't know so well. And those who tended towards high levels of neuroticism were likely to benefit the most from in-person interactions.   Eating more plant protein associated with lower risk of death  Massachusetts General Hospital & Harvard Medical School, July 31, 2022  Eating more protein from plant sources was associated with a lower risk of death and eating more protein from animals was associated with a higher risk of death, especially among adults with at least one unhealthy behavior such as smoking, drinking and being overweight or sedentary, according to an article published online by JAMA Internal Medicine. Mingyang Song, M.D., Sc.D., of Massachusetts General Hospital and Harvard Medical School, Boston, and coauthors used data from two large U.S. studies that had repeated measures of diet through food questionnaires and up to 32 years of follow-up.  Among 131,342 study participants, 85,013 (64.7 percent) were women and the average age of participants was 49. Median protein intake, measured as a percentage of calories, was 14 percent for animal protein and 4 percent for plant protein. The authors report: After adjusting for major lifestyle and dietary risk factors, every 10 percent increment of animal protein from total calories was associated with a 2 percent higher risk of death from all causes and an 8 percent increased risk of death from cardiovascular disease death. In contrast, eating more plant protein was associated with a 10 percent lower risk of death from all causes for every 3 percent increment of total calories and a 12 percent lower risk of cardiovascular death. Increased mortality associated with eating more animal protein was more pronounced among study participants who were obese and those who drank alcohol heavily. The association between eating more plant protein and lower mortality was stronger among study participants who smoked, drank at least 14 grams of alcohol a day, were overweight or obese, were physically inactive or were younger than 65 or older than 80. Substituting 3 percent of calories from animal protein with plant protein was associated with a lower risk of death from all causes: 34 percent for replacing processed red meat, 12 percent for replacing unprocessed red meat and 19 percent for replacing eggs.   Heat therapy boosts mitochondrial function in muscles Brigham Young University, August 2, 2022 A new study finds that long-term heat therapy may increase mitochondrial function in the muscles. The discovery could lead to new treatments for people with chronic illness or disease. The study–the first of its kind in humans–is published in the Journal of Applied Physiology. Mitochondria, the “energy centers” of the cells, are essential for maintaining good health.  Exercise has been shown to create new mitochondria and improve function of existing mitochondria. However, some people with chronic illnesses are not able to exercise long enough–previous research suggests close to two hours daily–to reap the benefits. Rodent studies have suggested that heat exposure may also induce the production of more mitochondria. Researchers from Brigham Young University in Utah studied 20 adult volunteers who had not participated in regular exercise in the three months prior to the study. The research team applied two hours of shortwave diathermy–a type of heat therapy generated by electrical pulses–to the thigh muscles of one leg of each person every day. The researchers based the six-day trial of heat on the minimum amount of exercise needed to measure changes in muscle, or about two hours each day. They designed the treatment to mimic the effects of muscle heating that occurs during exercise. The therapy sessions increased the temperature of the heated leg by approximately 7 degrees F. Each participant's other leg served as a control, receiving no heat therapy or temperature change. The researchers looked at mitochondria content in the muscles on the first day of therapy and 24 hours after the last treatment. Mitochondrial function increased by an average of 28 percent in the heated legs after the heat treatment. The concentration of several mitochondrial proteins also increased in the heated legs, which suggests that “in addition to improving function, [repeated exposure to heat] increased mitochondrial content in human skeletal muscle,” the research team wrote.     Your soap and toothpaste could be messing with your microbiome University of Chicago, August 2, 2022 Antimicrobial chemicals found in common household products could be wreaking havoc with people's guts, according to a research paper out this week in the journal Science. Triclosan is an antibacterial compound used in soaps, detergent and toothpaste, as well as toys and plastics. It was originally only used in hospitals, but it found its way into homes as Americans became more germ-phobic. (However, recent studies have found it no more effective at killing bacteria than plain soap. ) Now, there are growing concerns about the possible negative effects of the chemical on human health and the environment. According to the US Food and Drug Administration (FDA), animal studies have shown that the chemical can act as a hormone disruptor. A study found traces of triclosan in the urine of 75% of the participants – some as young as six. The chemical has also been found in more than half of freshwater streams in the US. The latest research paper, written by academics from the University of Chicago, focused on the lesser-known effects of triclosan exposure on the bacteria in people's guts. Disturbing the human microbiome has been “linked to a wide array of diseases and metabolic disorders, including obesity, inflammatory bowel disease (IBD), irritable bowel syndrome (IBS) and behavioral and metabolic disorders,” wrote the paper's authors, Alyson L Yee and Jack A Gilbert. To test the chemical's effect in humans, researchers from Stanford and Cornell universities gave seven volunteers triclosan-containing products, such as toothpaste and liquid soap, to use for four months. After that period, the same volunteers were switched to products without triclosan. The volunteers were compared with a second group who first used the non-triclosan products, then changed to those containing triclosan. The results showed that more triclosan was found in the urine of all the participants during the periods when they were using triclosan-containing products. Yee and Gilbert also suggested that exposure to triclosan could be even more detrimental to the health of developing fetuses and newborns than to adults. A 2014 New York University study found that gut disruptions in early infancy could have lasting negative effects on immune and brain development.

    Joe Lonsdale: American Optimist
    Psychedelic Medicine, Value-Based Care & Why Medical School Is Broken with Sebastian Caliri

    Joe Lonsdale: American Optimist

    Play Episode Listen Later Aug 9, 2022 31:41


    Sebastian Caliri is Partner at 8VC with a focus on healthcare investing. Previously, Sebastian spent four years at Palantir where he was responsible for growing its commercial healthcare business. In this episode, Sebastian diagnoses the core problems in U.S. healthcare and explains why traditional fee-for-service care misaligns incentives, resulting in rising costs and inferior health outcomes. He makes the case for new models like value-based care and also highlights the potential of psychedelic medicine and other exciting innovation. Sebastian holds a BS and MS in Molecular Biophysics & Biochemistry from Yale University and spent a year in Stanford's MD program before pursuing a career in tech and investing. He argues that the conventional path in medicine is broken and often produces a risk-averse, complacent culture; he challenges the next generation of doctors and health care professionals to think boldly and take on the status quo.

    Cut To It featuring Steve Smith Sr.

    NFL cornerback Richard Sherman tells us where two roads diverged in Compton, and how his took him straight through Stanford to the NFL. Tune in to this episode to hear him and Smitty talk ball about the life lessons they've carried with them since they left neighboring streets.   Tickets are now on sale for the FIRST ever Black Effect Podcast Festival happening on August 28th in Brooklyn, NY! Come check us out with The 85 South Show, All the Smoke, and more of your favorite Black Effect Podcast hosts. Get your tickets today at BlackEffect.comPodcastFestival    See omnystudio.com/listener for privacy information.

    Stanford Medcast
    Stanford Medcast: Season 3 teaser!

    Stanford Medcast

    Play Episode Listen Later Aug 9, 2022 1:32


    New Season loading! Stanford Medcast is gearing up for Season 3! Get ready for Tuesday, September 5, when we are back with hot topics in medicine, healthcare, and education. The new season will be packed with great interviews featuring thought leaders, clinicians, and experts, making us your bi-monthly podcast to get up-to-date, evidence-based approaches to care. Join us on Tuesday, September 6, for the Season Opener. If you have any suggestions or questions, please contact us at stanfordmedcast@stanford.edu.  Read Transcript

    Raise the Line
    What Rare Disease Patients and Families Need From Clinicians: Philippe Pakter, Rare Disease Parent

    Raise the Line

    Play Episode Listen Later Aug 9, 2022 49:30


    “It's a strange odyssey being a rare disease parent. It sort of forces you to question everything about life,” says Philippe Pakter, whose daughter Lysiane was born with Pierre Robin Sequence, a condition that impedes normal breathing and feeding. In this compelling interview with Shiv Gaglani, he shares the wrenching details of his family's daunting emotional, medical and legal journey. “It's tough, but you just have to keep going and from the hardship can potentially come very beautiful things.” Among the brighter spots of their story are finding a non-surgical treatment that helped with part of Lysiane's condition, and connecting with a network of dedicated clinicians focused on improving treatments for Pierre Robin Sequence. (Pakter recently interviewed one of those doctors, Stanford's HyeRan Choo, about non-surgical approaches. Listen here.) Don't miss this opportunity to hear hard won wisdom about ways clinicians can approach their work to be mindful of rare diseases and how they can be a resource for patients and families who are often desperate for answers.  Pakter is a great example of how well-informed rare disease family members are, and why clinicians should listen closely to what they have to say.

    One Life One Chance with Toby Morse
    Episode 182– Andrew Huberman, Ph.D. (neuroscientist/Stanford professor)

    One Life One Chance with Toby Morse

    Play Episode Listen Later Aug 8, 2022 160:48 Very Popular


    In this episode Toby and bandmate Adam Blake sit down to have a chat with Stanford professor and neuroscientist Andrew Huberman, Ph.D.! From punk rock skater to professor, they touch on Andrew's upbringing and delve into his science background. For more info you can find Andrew @hubermanlab on Instagram and on Youtube at https://www.youtube.com/andrewhubermanlab Please remember to rate, review and subscribe and visit us at https://www.youtube.com/tobymorseonelifeonechance

    N1 Fitness Podcast
    196: The Marshmallow Test

    N1 Fitness Podcast

    Play Episode Listen Later Aug 8, 2022 12:07


    In the early 70's, researchers from Stanford did something called ‘The Marshmallow Test' on a group of children looking at delayed gratification and how it potentially related to ‘life outcomes.' Life outcomes such as SAT scores, educational attainment and BMI (body mass index). The findings were interesting, but what's even more interesting is looking at delayed gratification vs. instant rewards in adults…enjoy! - 1-ON-1 COACHING Apply For Coaching SOCIAL Instagram  YouTube TikTok Facebook 

    Sons of CPAs
    The Accounting Game (feat. Chris Williams, CEO)

    Sons of CPAs

    Play Episode Listen Later Aug 8, 2022 54:02


    Accounting High (aka Sons of CPAs Podcast) Season 3 Episode 4 | Recorded February 22, 2022 Guest: Chris Williams, CEO of System Six Hosts: Nikole Mackenzie, CPA & Scott Scarano, EA Sponsor: Karbon - visit karbonhq.com to learn more Today, Scott and Niks are joined by Chris Williams, Owner/CEO of System Six, a 100%-remote outsourced accounting services firm. Before System Six, Chris served as an advisor to and investor in medium-large sized businesses. He's worked for several fast growing companies, and holds a business degree from Stanford. 2 - Chris = Cool (surprise engagements, running the media circuit, hitting the links ...) Shout out to DWYT, Kenji Kuramoto 7 - How Chris's finance background led to acquiring System Six Shoutout to Jeremy Allen 11 - Numbers talk – revenue, and cashflow, and EBITDA, oh my! 15 - Why cloud accounting is so hot right now 17 - The System Six biz model 18 - Opportunity in operations issues 22 - Why it's okay to lose clients 24 - Chris is living his best life and he's wearing 10 different hats! 26 - Learning curves inside System Six 29 - Talking profit share, work/life balance, and staff shuffling 32 - Cash v. Accrual v. Tax – the pain-point discussion Shoutout to Tallyfor, Peter Wen and Michael Ly 37 - Should you switch to Karbon? Shoutout to Karbon 41 - All about cybersecurity – email, system backups, passwords, insurance, etc. Shout out to AWS, QBO, Azure 47 - Client conversions – should you, or shouldn't you? Shoutout to Xero, Gusto, and Google 49 - Tech Tool Talk 51 - Grading clients – the red flags 53 - Chris's parting words of wisdom Don't forget to subscribe and leave us a review! Connect with Chris: LinkedIn: https://www.linkedin.com/in/chris-williams-68057029/ System Six: https://systemsix.com/ --- Send in a voice message: https://anchor.fm/sonsofcpas/message

    SI Counseling Podcast
    #55 YOU DECIDE! To Test or Not to Test? Part II

    SI Counseling Podcast

    Play Episode Listen Later Aug 8, 2022 19:18


    Changes are still coming your way whether you are a Senior, Junior or even a Sophomore. We are here again to talk about standardized test requirements for U.S. colleges like over 1800 of them. What have they decided since the Fall 2022 college admission cycle? Let's learn, let's understand TOGETHER and YOU DECIDE! The key thing is to take ownership of the college process and focus on one's talent and moments that will benefit the students short term, mid-term and long term! YOU MATTER NOT A NUMBER. Let's go!

    College 4 All
    #57 YOU DECIDE! To Test or Not to Test? Part II

    College 4 All

    Play Episode Listen Later Aug 8, 2022 19:35


    Changes are still coming your way whether you are a Senior, Junior or even a Sophomore. We are here again to talk about standardized test requirements for U.S. colleges like over 1800 of them. What have they decided since the Fall 2022 college admission cycle? Let's learn, let's understand TOGETHER and YOU DECIDE whether to test or not to test for college admissions. The key thing is to take ownership of the college process and focus on one's talent and moments that will benefit the students short term, mid-term and long term! YOU MATTER NOT A NUMBER. Let's go!

    Feeling Good Podcast | TEAM-CBT - The New Mood Therapy
    304: TEAM-CBT, Spirituality, and Beyond: Featuring Angela Poch

    Feeling Good Podcast | TEAM-CBT - The New Mood Therapy

    Play Episode Listen Later Aug 8, 2022 69:45


    304: TEAM-CBT, Spirituality, and Beyond: Featuring Angela Poch Rhonda begins today's podcast, as usual, by reading two touching emails from podcasts fans, including Coach Teddy, who said that Podcasts 295 and 296 featuring live work with Zeina were incredible, and Carol who was equally enthusiastic about Podcast 297 (on “Homework—Yuck!). Carol also strongly recommends David's book, Ten Days to Self-Esteem which is a simplified version of Cognitive Behavioral Therapy that can be used as a manual for therapy or self-help groups. https://www.amazon.com/Days-Self-Esteem-David-Burns-M-D/dp/0688094554 Today, we interview Angel Poch, a certified life coach, registered professional counselor, and certified Level 4 TEAM therapist and trainer. She lives two hours north of Glacier National Park in British Columbia, but teaches therapists and treats people virtually from around the world. Her new booklet, “The Truth Shall Set You Free,” integrates TEAM-CBT with a Christian perspective and is available for free on her website. https://www.angelapoch.com/. She is a regular in David's weekly virtual psychotherapy training group at Stanford and assists in the teaching. She has also worked tirelessly and selflessly behind the scenes making David's work way more accessible to lay people as well as mental health professionals wanting to learn more about TEAM-CBT. For example, she adds links to every new Feeling Good Podcast on David's website, so you can easily find and link to more than 300 podcasts. Check it out! She has also transformed a massive amount of David's work into electronic tools for shrinks, accessible in David's online shop: Recently, she has created two amazing new documents you can link to. One is a spreadsheet that lists 138 of David's TEAM-CBT tools and techniques, like the “Anti-Procrastination Sheet” and many others, with page links to the descriptions of how to use each tool in David's books, like Feeling Good, Feeling Great, David's TEAM-CBT therapist eBook, and many others. Check it out! This data base will be invaluable to interested lay people, therapists, and teachers who want clear instructions on how to use the Daily Mood Log, Relationship Journal, and numerous additional tools and techniques. Derek Gurney and Angela are working on an equally awesome database for the Feeling Good Podcasts: Check it out as well! Angela begins her personal statement in today's podcast by describing her struggles with depression and irritability, including some very dark days in 2006. Her doctor recommended an SSRI antidepressant, and she went to integrative health program, “Depression: the Way Out” that required participants to read Feeling Good https://www.amazon.com/Feeling-Good-New-Mood-Therapy/dp/0380810336 Although she didn't love the book, she resonated with the idea that all of our feelings, positive and negative, result from our thoughts, or perceptions, and her depression cleared up. She liked that when she read Feeling Good, she got many new tools she could use to change her negative thoughts and feelings. She also appreciated the ideas in the book didn't go against her belief system, which many fear about psychology. David pointed out his own father, a Lutheran minister, worried about this, and was very suspicious of psychiatrists. Angela's thinking, which resonates with David's, is that the core ideas of religion and psychotherapy are actually high compatible, and even synergistic. Angela explains that when she was a young child, she didn't fit in socially or even in her own skin. “I felt like I was a boy in a woman's body. I felt like I was in the wrong body, and prayed for help.” She started to see in a very limited, childlike way, her thoughts were distorted, that a body was just a body and she could trust God wouldn't give her more than she could bear. These new realistic, counter thoughts relieved the negative body dysmorphia she'd been struggling with. She reports, “I decided it was okay to be flawed and not fit in.” The rest of her young childhood was mostly joyful. In middle school she was the target of mean-spirited bullying because she was a tomboy. She developed intense social anxiety and was relieved when her mom took her out of school. She was homeschooled for a few years and studied Karate to exercise and develop some confidence. High school brought new challenges. She describes responding with her version of the Five Secrets of Effective Communication to an aggressive bully who threatened her with brass knuckles and challenged her to fight her. However, the girl backed off and started telling people that Angela was her friend! After a bad relationship, Angela started to struggle with depression and described her suicide attempt when she was 18 because “I wanted the pain to stop.” She explains that: I met my husband, moved home, and started reading the Bible. I was impressed by the passage, “the truth shall set you free.” I realized I had to control my own thoughts rather than look for the approval of others, but she still didn't totally recovery from my anxiety. The cognitive piece in Feeling Good helped Angela a lot. She states, “I pursued a lot of careers, never holding down a job for more than 6 months, and one day someone asked if I'd considered a career in counseling. . .” She went on to take one of David's four-day live intensives in Whistler BC where she learned TEAM-CBT and hasn't looked back since! After learning and applying TEAM, Angela was able to crush her social and other anxieties. Angela has a deep love for her Creator and has done a great deal of thought about the integration of her Christian faith with TEAM-CBT. David also has a strong interest in the overlap between TEAM-CBT and virtually all religions and spiritual paths. He described an unusual and overpowerful spiritual experience he had as a medical student crossing the Nevada desert that made a strong impact on him. Angela would like to mention, “I have a profound gratitude for David's work. He makes things so clear and relatable. His approach is applicable to all faiths or no faith if one is truly ready to give up their negative thoughts and feelings. As we aim for the truth, and let go of the so called “self,” we find peace and joy. I will forever be indebted to him because I would not be able to help people without TEAM and that brings me joy every day!” I, David, would like to thank Angela for her intense and tireless devotion to helping spread the “gospel” of TEAM-CBT in so many ways! Thanks for listening today! Angela, Rhonda, and David I

    The Adversity Advantage
    Dr. Anna Lembke On How To Control Impulsive Behavior & Manage Dopamine Effectively

    The Adversity Advantage

    Play Episode Listen Later Aug 8, 2022 46:48


    Today's guest is one of the world's leading experts in the neuroscience of addiction and recovery, and has been one of the most popular guests on the podcast. Anna Lemke MD joins me today for round two. Anna is chief of the Stanford medicine, dual diagnosis clinic, and professor and medical director of addiction medicine at Stanford university's school of medicine. Dr. Lembke has testified before Congress and consulted with governors and senators from Kentucky to Missouri to Nevada. You may also recognize her from her appearance on the hit Netflix movie, “The Social Dilemma.”  Aside from this. Anna has also written two books, “Drug Dealer MD,” and her latest book, the New York times bestseller “Dopamine nation.”   We talk about what dopamine is and why it's so important. Anna explains the neuroscience of dopamine, when it's used and why it goes hand in hand with addiction. She also reveals how to change your brain, stop impulsive behavior and have a healthy relationship with dopamine and more!   What to Listen For: 00:00 Intro 01:30 What is dopamine and why is it so important? 05:32 Dopamine explained with real life examples (specifically addiction) 11:20 How to CHANGE your brain!  17:33 What causes depression and why “quick fixes” make things worse 21:24 How to STOP impulsive behavior 24:17 How to know if you have an unhealthy relationship with dopamine? 27:53 Does social media have the same impact on your brain as drugs? 31:45 How social media changes your brain and cleads to other addictions 34:17 What role does stress play? 35:47: THIS might explained why you can't pay attention 40:20 Tools for retraining your brain to be more focused Episode Resources: Dopamine Nation |    Follow me on Social Media: LinkedIn Instagram Twitter

    Fareed Zakaria GPS
    U.S.-China tensions rise over Taiwan

    Fareed Zakaria GPS

    Play Episode Listen Later Aug 7, 2022 38:48 Very Popular


    As China continues its military drills around Taiwan, Oriana Skylar Mastro, Fellow at Stanford's Freeman Spogli Institute and a Senior Fellow at the American Enterprise Institute, explains why this is not just a show of force by China, but an actual combat rehearsal. Then, Richard Haass, president of The Council on Foreign Relations, and Susan Shirk, Chair at UCSD's 21st Century China Center, join Fareed for a discussion on what's the best way to preserve peace in and around Taiwan and how to lower the tension in U.S.-China relations. Plus, CNN's national security analyst, Peter Bergen, on the American killing of Al Qaeda's leader, Ayman al-Zawahiri, and what it means for the global state of terrorism. GUESTS: Oriana Skylar Mastro (@osmastro), Susan Shirk (@SusanShirk1), Richard Haass (@RichardHaass), Peter Bergen (@peterbergencnn) Air date:08/07/22To learn more about how CNN protects listener privacy, visit cnn.com/privacy

    Six Pixels of Separation Podcast - By Mitch Joel
    SPOS #839 - Seth Stephens-Davidowitz On Trusting Data (And Not Your Gut)

    Six Pixels of Separation Podcast - By Mitch Joel

    Play Episode Listen Later Aug 7, 2022 57:34


    Welcome to episode #839 of Six Pixels of Separation. Here it is: Six Pixels of Separation - Episode #839- Host: Mitch Joel. Should you always trust the data? Should you always trust your gut? Is there science behind these choices? Seth Stephens-Davidowitz is a former Google data scientist turned writer and journalist. He spends his time investigating all types of data to help us answer big questions and make better decisions at work and in life. He's been called a data revolution “prophet” by Dan Pink, because of Seth's ability to teach us how our instincts lead us astray, but data can help us see the world more accurately, ask better questions, and get happier (according to him). His first book was, Everybody Lies - Big Data, New Data, and What the Internet Can Tell Us About Who We Really Are, and his latest one is, Don't Trust Your Gut - Using Data to Get What You Really Want in Life. Seth is a contributing op-ed writer for The New York Times and a former visiting lecturer at The Wharton School, where he developed a course about his research. Seth has presented his original research scientific manuscripts, public journals, and engaging lectures all over the world. He holds a PhD in economics from Harvard and a BA in Philosophy from Stanford, where he graduated Phi Beta Kappa. Enjoy the conversation... Running time: 57:33. Hello from beautiful Montreal. Subscribe over at Apple Podcasts. Please visit and leave comments on the blog - Six Pixels of Separation. Feel free to connect to me directly on Facebook here: Mitch Joel on Facebook. or you can connect on LinkedIn. ...or on Twitter. Here is my conversation with Seth Stephens-Davidowitz. Don't Trust Your Gut - Using Data to Get What You Really Want in Life. Everybody Lies - Big Data, New Data, and What the Internet Can Tell Us About Who We Really Are. Follow Seth on Twitter. This week's music: David Usher 'St. Lawrence River'.

    The Voicebot Podcast
    Evan MacMillan CEO of Gridspace on Conversational AI Analysis - Voicebot Podcast Ep 266

    The Voicebot Podcast

    Play Episode Listen Later Aug 6, 2022 74:59


    Evan MacMillan started Gridspace 10 years ago to tackle a tough problem faced by contact centers: analyzing their conversational data. It's an application that stands apart from most conversational AI solutions with its focus on conversational intelligence as opposed to self-service.    Before co-founding Gridspace, MacMillan was a co-founder at Zappedy, which was acquired by Groupon during the heyday of online deals communities. He earned a degree in product design from Stanford. 

    Marsha's Plate: Black Trans Podcast
    Official Welcome 2 Marsha's Plate

    Marsha's Plate: Black Trans Podcast

    Play Episode Listen Later Aug 6, 2022 5:42


    Don't mind us. We just want a short but official intro episode that we can share across streaming platforms. We are Marsha's Plate, a progressive podcast hosted by three trans people of color. We launched in October of 2017 in response to the 2016 election. We didn't like how the media was covering the trans narrative by focusing just on the bathroom bills popping up all across the country. We wanted to create a show, named after the pioneer Black trans baddie Marsha P. Johnson, that shared the more pressing disparities of the trans community but also the victories and joys of our lives. Our hosts are millennials that represent the feminine and masculine sides of the trans experience. We have been featured on Spotify, ABC, The Root, Stanford, Bitch Media, Aljazeera, World Pride NYC, and at SXSW twice. Our creator and producer Diamond Stylz is a 25-year vet trans activist. She is the executive director of Black Trans Women Inc and a board member of Transfaith. Mia Mix is a Houston socialite and sex worker. LJ aka Jonathan is a black genderqueer trans guy from Milwaukee living in Seattle.  
 We discuss pop-culture current events, sex, relationship, and gender every week. Diamond brings a wide range of experience and formal education and history. Mia Mix makes it hot by bringing humor and Southern belle spirit to every conversation. LJ aka Jonathan brings the masculine, genderqueer trans guy next door perspective. We know that everybody is not invited to the cookout and that this is for us by us.  
 People can use our show as a resource to learn passively with force your trans friend to always have to do the labor of educating you. It is so easy and non-invasive. You tune in, just listen, and learn.BOOM!!! That's easy. We introduce our audience to the news with deeper trans insights and seasoned or emerging trans community leaders throughout the country. This is important work because it archives the current trans movement, spotlights activists doing amazing work, and highlights the news that impacts trans people's lives around the globe which is a narrative ignored by mainstream news outlets.  #marshasplate #girlslikeus #boyslikeus #transgender #podcast #podsincolor #podernfamily #transisbeautiful #houston #lgbt #transmen #transwomen #blackfeminism #trans101 #trans #blacktranswomen #blacktransmen #houstonpride #indiepodcast #blacktranslivesmatter #lgbtqia #lgbtq #genderidentity #pride #blackgirlmagic #blackboyjoy #podcast

    Sports Gambling Podcast Network
    Stanford Cardinal College Football Season Preview 2022 | The College Football Experience (Ep. 1056)

    Sports Gambling Podcast Network

    Play Episode Listen Later Aug 6, 2022 38:16


    The College Experience (@TCEonSGPN) on the Sports Gambling Podcast Network previews the upcoming 2022 college football season for the Stanford Cardinal. Pick Dundee aka (@TheColbyD) & Patty C (@PattyC831) break down the Stanford 2022 roster and key in on each and every game the Cardinal play in 2022. Will David Shaw bounce back and take the Cardinal bowling after a tough season? Is Tanner McKee one of the best quarterbacks in America? Will EJ Smith live up to his name and play like his father Emmitt Smith? Does the return of the entire offensive line mean Stanford should be much better this year? Can the wideouts provide a spark with the return of Brycen Tremayne, Michael Wilson and Elijah Higgins? Is tight end Benjamin Yurosek a name to lookout for? Will Lance Anderson be able to fix a terrible Stanford defense? Is DE Stephen Herron a name to watch out for on the D Line? Can freshman David Bailey make some noise in his first year in Palo Alto? Is Kyu Blu Kelly a name to watch in the secondary for Stanford? We talk it all and more on this Stanford Cardinal edition of The College Football Experience.   Stanford Cardinal 2022 Schedule Win Total O/U: 4.5 vs Colgate vs USC BYE @ Washington @ Oregon vs Oregon State @ Notre Dame vs Arizona State @ UCLA vs Washington State @ Utah @ California vs BYU ===================================================== SGPN Merch Store - https://sg.pn/store Download The Free SGPN App - https://sgpn.app WynnBET - Bet $100 and get a $100 FREE bet! - https://sg.pn/WynnBET Support for this episode - IPVanish.com/sgp | OddsTrader.com/bluewire Follow The College Experience & SGPN On Social Media Twitter - https://twitter.com/TCEonSGPN Twitter - http://www.twitter.com/gamblingpodcast Instagram - http://www.instagram.com/sportsgamblingpodcast TikTok - https://www.tiktok.com/@gamblingpodcast Facebook - http://www.facebook.com/sportsgamblingpodcast   Follow The Hosts On Social Media Colby Dant - http://www.twitter.com/thecolbyd Patty C - https://twitter.com/PattyC831 NC Nick - https://twitter.com/NC__NicK   Watch the Sports Gambling Podcast YouTube - https://www.sg.pn/YouTube Twitch - https://www.sg.pn/Twitch   Read & Discuss - Join the conversation Website - https://www.sportsgamblingpodcast.com Slack - https://sg.pn/slack Reddit - https://www.sg.pn/reddit  Learn more about your ad choices. Visit podcastchoices.com/adchoices

    ROAD TO GROWTH : Success as an Entrepreneur
    Dr. Shirag Shemmassian - Owner of Shemmassian Academic Consulting

    ROAD TO GROWTH : Success as an Entrepreneur

    Play Episode Listen Later Aug 6, 2022 32:26


        In this episode of the Road to Growth podcast, we are pleased to introduce you to Dr. Shirag Shemmassian. Dr. Shemmassian is the Founder of Shemmassian Academic Consulting and one of the world's foremost experts on medical school admissions, college admissions, and graduate school admissions. For nearly 20 years, he and his team have helped thousands of students get into medical school and top colleges using his systematic and proprietary approach.   While in high school, Dr. Shemmassian took a keen interest in the higher education process. He navigated the admissions process with limited college counseling and became the only Ivy League graduate in his high school's nearly 60-year history. Specifically, Dr. Shemmassian received his B.S. in Human Development from Cornell University. Despite graduating with a 3.9 GPA as a pre med student, Dr. Shemmassian's interests in mental health led him to complete his Ph.D. in Clinical Psychology at UCLA. Throughout his education and beyond, Dr. Shemmassian successfully guided students into top colleges, medical schools, and graduate programs, and has found his professional calling in helping others achieve their educational and career goals.    Dr. Shemmassian's admissions expertise has been featured in various media outlets, including The Washington Post and Business Insider. Moreover, he has been invited to speak at Yale, Stanford, UC Berkeley, and other prestigious institutions about various aspects of the admissions process.    Dr. Shemmassian was born in Los Angeles to Armenian parents who immigrated to the United States from Lebanon. He now resides in San Diego with his wonderful wife, mischievous toddler son, and 9-pound dog. Dr. Shemmassian is an avid cook and, while he dislikes the term, a “foodie” who routinely travels long distances for a great meal—his friends call him “Human Yelp” for his recommendations. He is also a huge basketball fan (Go Lakers!) and lover of geography.    Learn more and connect with Dr. Shirag Shemmassian by visiting him on Instagram: https://www.instagram.com/shiragshemmassian/?hl=en Twitter: https://twitter.com/shemmassian Facebook: https://www.facebook.com/shemmassian Youtube: https://www.youtube.com/channel/UCx7l7GusEB1xMDPGM_TYHeQ Linkedin: https://www.linkedin.com/in/shemmassian/ Website: https://www.shemmassianconsulting.com/ Podcast: https://soundcloud.com/preppedandpolished/pp-dr-shirag-shemmassian-2-how-students-can-appeal-college-rejections       Be sure to follow us on Twitter: Twitter.com/to_growth on Facebook: facebook.com/Road2Growth   Subscribe to our podcast across the web: https://www.theenriquezgroup.com/blog Spotify: https://spoti.fi/2Cdmacc iTunes: https://apple.co/2F4zAcn Castbox: http://bit.ly/2F4NfQq Google Play: http://bit.ly/2TxUYQ2 Youtube: https://www.youtube.com/channel/UCKnzMRkl-PurAb32mCLCMeA?view_as=subscriber   If you are looking to be a Guest on Podcasts please click below  https://kitcaster.com/rtg/  For any San Diego Real Estate Questions Please Follow Us at web: www.TheEnriquezGroup.com Youtube: https://www.youtube.com/channel/UCKnzMRkl-PurAb32mCLCMeA or Call : 858 -345 - 7829 Recently reduced properties in San Diego County * Click **** bit.ly/3cbT65C **** Here* ****************************************************************************

    The College Football Experience
    Stanford Cardinal College Football Season Preview 2022 (Ep. 1056)

    The College Football Experience

    Play Episode Listen Later Aug 6, 2022 38:16


    The College Experience (@TCEonSGPN) on the Sports Gambling Podcast Network previews the upcoming 2022 college football season for the Stanford Cardinal. Pick Dundee aka (@TheColbyD) & Patty C (@PattyC831) break down the Stanford 2022 roster and key in on each and every game the Cardinal play in 2022. Will David Shaw bounce back and take the Cardinal bowling after a tough season? Is Tanner McKee one of the best quarterbacks in America? Will EJ Smith live up to his name and play like his father Emmitt Smith? Does the return of the entire offensive line mean Stanford should be much better this year? Can the wideouts provide a spark with the return of Brycen Tremayne, Michael Wilson and Elijah Higgins? Is tight end Benjamin Yurosek a name to lookout for? Will Lance Anderson be able to fix a terrible Stanford defense? Is DE Stephen Herron a name to watch out for on the D Line? Can freshman David Bailey make some noise in his first year in Palo Alto? Is Kyu Blu Kelly a name to watch in the secondary for Stanford? We talk it all and more on this Stanford Cardinal edition of The College Football Experience.   Stanford Cardinal 2022 Schedule Win Total O/U: 4.5 vs Colgate vs USC BYE @ Washington @ Oregon vs Oregon State @ Notre Dame vs Arizona State @ UCLA vs Washington State @ Utah @ California vs BYU ===================================================== SGPN Merch Store - https://sg.pn/store Download The Free SGPN App - https://sgpn.app WynnBET - Bet $100 and get a $100 FREE bet! - https://sg.pn/WynnBET Support for this episode - IPVanish.com/sgp | OddsTrader.com/bluewire Follow The College Experience & SGPN On Social Media Twitter - https://twitter.com/TCEonSGPN Twitter - http://www.twitter.com/gamblingpodcast Instagram - http://www.instagram.com/sportsgamblingpodcast TikTok - https://www.tiktok.com/@gamblingpodcast Facebook - http://www.facebook.com/sportsgamblingpodcast   Follow The Hosts On Social Media Colby Dant - http://www.twitter.com/thecolbyd Patty C - https://twitter.com/PattyC831 NC Nick - https://twitter.com/NC__NicK   Watch the Sports Gambling Podcast YouTube - https://www.sg.pn/YouTube Twitch - https://www.sg.pn/Twitch   Read & Discuss - Join the conversation Website - https://www.sportsgamblingpodcast.com Slack - https://sg.pn/slack Reddit - https://www.sg.pn/reddit  Learn more about your ad choices. Visit podcastchoices.com/adchoices

    Need To Know with Coulthart and Zabel
    EP 18 - UAP: Real Change Ahead?

    Need To Know with Coulthart and Zabel

    Play Episode Listen Later Aug 5, 2022 58:29 Very Popular


    Ross and Bryce are back, explain where they've been, and dive into three deep subjects: First: new language from the Senate Select Committee on Intelligence that may grant immunity for potential witnesses not only in government but in private aerospace. Also: Is Gary Nolan the new Lue Elizondo? The Stanford professor has been raising his profile in the UAP community, and has granted Ross a wide-ranging and shocking interview (which we'll play in a later episode). Finally, a discussion that only begins to tackle the subject: how will we change in a post-disclosure world -- after most of the world acknowledges that we are not alone? Learn more about your ad choices. Visit megaphone.fm/adchoices

    How to Scale Commercial Real Estate
    Commercial Real Estate Financing Solutions

    How to Scale Commercial Real Estate

    Play Episode Listen Later Aug 5, 2022 18:14


    In this episode, we talk to Ari Shpanya, co-founder and CEO at LoanBase, the leading online platform for commercial real estate lending. He discusses the story behind the company and how they are making it easier for investors to find the financing they need. He also offers valuable insights on the current market, specifically on the lending environment, and breaks down best practices to become a better borrower.     [00:01 - 07:04] Loans Made Easier Ari talks about his humble beginnings in real estate Introducing Loanbase and the solution they offer in the space Clients can now search for loans in a very simple and seamless way Finding the best lenders by proprietary algorithms and partnering with banks  Leaning into product-led growth Focusing on making a good quality product Expanding their customer base through referrals   [07:05 - 17:11] Navigating the Current Market The impact of higher interest rates on lending Why we should expect more defaults and foreclosures This will also open up opportunities in distressed real estate  It's important to be conservative and don't optimize for profit Make sure no deals will go bad Ari lists things to consider when underwriting conservatively Being a better borrower gives access to better loans  Track record matters Establish credibility and experience    [17:12 - 18:13] Closing Segment Reach out to Ari!  Links Below Final Words Tweetable Quotes   “If your product is good, then product-led growth is the best thing because then it becomes viral or at least one happy borrower can tell their colleague… And that's the best type of marketing I think in our industry and in general.” - Ari Shpanya   “The better borrower you are, the better track record you have, the better access you have to rates, the better access you have to capital, the better access you have to investors and inventory and so on.” - Ari Shpanya   -----------------------------------------------------------------------------   Connect with Ari through LoanBase.com!   Connect with me:   I love helping others place money outside of traditional investments that both diversify a strategy and provide solid predictable returns.     Facebook   LinkedIn   Like, subscribe, and leave us a review on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on.  Thank you for tuning in!   Email me → sam@brickeninvestmentgroup.com Want to read the full show notes of the episode? Check it out below:   [00:00:00] Ari Shpanya: I just couldn't wrap my head around the fact that I had to research for three or four months to find the best lender. So you have to pick up the phone, you have to call one broker to another broker. You need to call too many banks, local banks, regional banks, credit unions, and so on, and try to compare everything and decide what's the best for you. And I just wished I had something that I can just go and put all the filters I want to and get the kind of a simple order or arrangement of which banks I should work with.  [00:00:42] Sam Wilson: Ari Shpanya is the co-founder and CEO of LoanBase. Ari, welcome to the show.  [00:00:47] Ari Shpanya: Thank you for having me, Sam.  [00:00:49] Sam Wilson: The pleasure is mine. There are three questions I ask every guest who comes in the show: in 90 seconds or less, can you tell me where did you start? Where are you now? And how did you get there? [00:00:57] Ari Shpanya: Okay. I started by buying a single-family home. I lived there while I was attending actually a program at Stanford. And then I remodeled it by myself. And from there, there was one more and one more. And that's how you get to multifamily, I guess. But it's always about humble beginnings and I think I'm still, kind of, at the beginning of it.  [00:01:19] Sam Wilson: Interesting. What do you do now at LoanBase? [00:01:23] Ari Shpanya: Oh, on a high level, LoanBase is a KAYAK or Expedia for commercial real estate loans and investment properties. We help investors and borrowers to find the best loan for their needs by searching in a very easy and seamless way. Just like you shop for flights on SkyScanner or KAYAK or Expedia.  [00:01:44] Sam Wilson: That is really interesting. I guess, tell me, how did you know or what hole did you see in the market where you said, man, this is something I need to create? And then I guess, we'll start there. Let's ask that question first. So I'm not asking you too many all at once.  [00:01:58] Ari Shpanya: Yeah, I remember a couple of years ago, that was a few months after COVID hit, I needed to refinance a couple of properties in San Francisco, multifamily, it was a 10 million loan for both of them. And I just couldn't wrap my head around the fact that I had to research for three or four months to find the best lender. So you have to pick up the phone, you have to call one broker to another broker. You need to call too many banks, local banks, regional banks, credit unions, and so on, and put all these little notes and, you know, comments, and then try to compare everything and decide what's the best for you. And I just wished I had something that I can just go and put all the filters I want to and get the kind of a simple order or arrangement of which banks I should work with. And the same was for the process of underwriting and, and during underwriting, and during that process with the bank, it was like, it was like pulling a teeth, right? That was really two, three months. And you feel like you are being asked for so many documents and everything goes by email. So it was really horrendous. So, yeah, I remember actually finding out by the broker that the broker is actually making another yield spread on my deal. So, not only did you pay a broker fee, you're actually paying someone a fee to give you a deal that is better for them rather than better for you. And I was really upset. So I remember calling the broker and telling them, listen, this is not okay. This is not for here's what I going to do. I'm going to start a new company and putting you out of business. So yeah, a joke aside, that's kind of what happened and you know, it was a result of a real pain of four months process that should be less than a week.  [00:03:39] Sam Wilson: Right, man. Yeah, I, I love stories that start that way 'cause it's like, you know what, you just, you saw problem. You said, I, I can solve this in a more efficient manner. How do you stay in front? So you, you guys aggregate, you know, like you said, you're the KAYAK for loans, so, I mean, you know, I, I can understand it from the airlines perspective where it's like, Hey, you know what, here's our flights that are available and they can probably integrate their data or they do integrate their data some way such that it can be displayed on KAYAK. But how do you guys stay in front of what each lender is offering, the terms they're looking for, the money they have to lend? I mean, that's got to be constantly, especially right now, moving target. How do you guys stay in front of that?  [00:04:18] Ari Shpanya: Correct. So there are three ways that we do that. First is we have banks that are partners, so we get their rate cards and rate sheets and essentially we scan them and we do what's called auto parsing. So we scan the rate cards and that is being imported to our database. We also talk with the banks to verify that. So that's part of data integrity. And some banks, some lenders, we, we also have a direct integration, so that's another way to get the data. When the rates are changing, we also have some proprietary algorithms that essentially are looking into the fed rate, the treasury, and calculating based on the rate fluctuation. So if the fed rate is increasing today, obviously the banks will follow. There is a difference between regional banks and national banks and debt funds. So some banks are more less receptive or less sensitive to any kind of change in a, in the fed rates, 'cause they were lending off their balance sheet, but most shops and so on, they will be in line with that change. So, we add that spread or that change to their rates. And that's what we present to the consumer at the end of the day or to the borrower.  [00:05:37] Sam Wilson: Tell me about building your company. I mean, okay, so you got this great idea. You figured out how to integrate the rates from the lenders. And now you said, all right, the next thing I need is clients. I mean, you need somebody to come to you and work with LoanBase. What was that process? 'Cause we talk a lot of it on the show of scaling your business, scaling, you know, real estate. What was the process for you for scaling LoanBase?  [00:05:59] Ari Shpanya: Yeah, it's a good question. Initially, we're relatively a new business. We've been around for the last 18 months, out of that probably 12 months in beta. So it's really important to have to nail down your product to give a good experience to your first customers. So we're still in this kind of stage, we're still working mostly based on referrals. We get friends, clients that refer other clients. Obviously, we do get some new clients by paid search or by anything of like, content or articles out there, or, but at the end of the day, I really think that if your product is good, then product-led growth is the best thing because then it becomes viral or at least one happy borrower can tell their colleague. I'm sure that you have a lot of people you work with, so if you are happy with a certain product or a certain technique, then you're definitely going to share it with others. And that's the best type of marketing I think in our industry and in general.  [00:07:02] Sam Wilson: Got it. No, I think that's really, really cool. Tell me your general feeling. I mean, this is you're involved in the financial markets. How should borrowers be protecting themselves? What steps should they be taking right now? I guess just give me a kind of holistic view, if you will, on where we are and then what people should be doing.  [00:07:22] Ari Shpanya: Yeah, it's interesting that you ask, Sam. I've just seen today one of the latest surveys and very thorough research reports. And it seems like there is a consensus among the US consumers that this is one of the worst times to, to buy a home, or at least that's, you know, as opposed to, to last year, We can really see that decline. And obviously, with combination of increasing interest rates, it's really something that might be alarming. So we are potentially heading to recession. Obviously, the fed is going to try to make sure that we are not going to hit there, but in terms of interest rates, we are seeing in our industry, right? We are seeing the interest rate going up. We see that across the entire markets, including secondary markets. So right now, if you are a real estate entrepreneur, and you are getting a hard money loan for it can be a rehab, construction, bridge, entitlement, land title, and you name it, you used to get it for seven and a half, maybe six, maybe even four and a half. If you had a good relationship with your local bank. Now it's close to ten and ten and a half. So it's really not sustainable. Debt service coverage ratio is just completely being destroyed if I may say. And that will create, in my opinion, more defaults because if you are in a project already, you know, that's fine, but it will be very hard to get that takeout loan. [00:08:53] Ari Shpanya: And if you are starting a new project, then all the lenders are essentially underwriting to new guidelines. And new guidelines mean that there are no more takeout loans at four and a half. I'm putting aside the relationship discount and so on, but most debt shops are underwriting to, you know, an interest rate of six and a quarter. So that means you really need to have a very profitable project. I think we're going to see a lot of foreclosures. I think we're going to see a lot of projects going to default. That's going to create more opportunities. Cap rates, we see that that is being pressured. So this is the end of the cycle, just like 2008, so, there, there are, you know, winners and losers. So, I think it's a good time to, to have your war chest and be ready for you know, for gobbling up some, some inventory that will be distressed. And if you are an investor, you do want to be very cognizant and conservative, definitely not over-leverage. Always go on a, like, I would say 65 to 70% LTC, like leverage, not over-leverage yourself, better to have more equity in the deal. This is not the time to optimize for your profit. This is the time to optimize for your reputation and your deal to survive.  [00:10:09] Sam Wilson: That is really interesting, you know, what you say there. I think that that's sound advice. It is not time to optimize for profit. That's absolutely great. Tell me about this: you think the foreclosures will be on the rise because if people are mid-project and like you said, they need to take out a loan or they need to, you know, they need to recapitalize, they are not going to be able to refinance at the rates that maybe they underwrote to. Is that what you're saying?  [00:10:31] Ari Shpanya: Yeah, exactly. I mean, look, the inflation when, when the inflation is going up, right? So you have a certain pressure there, you have an interest rate that's going up. At the end of the day, that creates some pressure on a cap rate. So we, we see cap rates that are going up as a result, we see on a, on a higher interest rate, we see a debt service ratio that is really hard to reach. So we see that, you know, usually banks will need 1.25 at least, but a project that used to be 1.35 is all of a sudden below one, which means it cannot serve its debt. So in that case, it does create that pressure, and some entrepreneurs, they may you know, they, they may end up in, in default or they may need to, bring more collateral and so on. You know, I remember something that happened to me as a real estate investor in the past and present. During COVID, I had to bring more liquidity to the deal 'cause at the end of the day, with this space, you really want to make sure that you have no single bad apple. You always need to have an impeccable track record because your record is everything. And you need to make sure that no deal goes bad. That's why you, you want to go low leverage, that's when you CR you want to have the interest reserves, but I definitely think that there's going to be a lot of opportunities with these assets that are just not, yeah, a lot of single-family homes that going to drop in value. A lot of other asset class that's going to come down in value and when they cannot serve the debt, then that might create an opportunity for other buyers or, you know, so that's kind of where we are.  [00:12:20] Sam Wilson: The term conservative underwriting is something that is thrown around all the time in our industry. Like, well, we always underwrite, you know, super conservatively, which to me, it's like, You know, when you ask somebody, how are you doing? They're like, oh, I'm great. It really doesn't mean much. It's like, okay. Yeah, sure. You write it conservatively. When I say, conservative underwriting, what should people be doing if they are projecting a cap rate and exit? Like, how can they do that conservatively? Like what, what should people be plugging into their, into their charts in order to say, hey, you know what, I think we've, we've really been hyper-conservative in our underwriting when, when establishing our cap rate and exit. [00:12:59] Ari Shpanya: Yeah. That's a good question from what I see with our lenders or, you know, we have visibility to thousands of lenders, so I can tell you that conservative underwriting starts with conservative rent projections, for instance. So let's say in multifamily, let's say we're in wherever in LA or we're in San Francisco where, you know, we, we are looking into market brands that we have to take to account and let's say assume 80% of the current market rate, right? So we want to be conservative on the market rate. We want to be conservative about the vacancy. So we want to be conservative about the cost, the other costs, like the cost to manage a property. That's one aspect. Then you want to be conservative about the cap rate, so let's say if you're in, I don't know, let's say if you're in LA then it will be, used to be four and a half cap, and now you're going to underwrite to five and a half, for instance. So that's another thing. And then a third layer would be the debt service coverage ratio. So it's actually, you can increase that. So rather than a 1.2, you can go to 1.3. And the last thing I would say is, is take into account the interest rate that could be in a year from now, and that's not necessarily a lower rate. So you have to be, you know, hoping for the best and planning for the worst, essentially. So that's, how I look into proformas of other lenders, and I just see that everyone is definitely doing that and everyone is also reducing their LTV or LTC, so lower loan to value. Used to be 80%. It dropped to 70%. LTC used to be loan to cost, 90% now we see it at 80% max. And I see now what's called interest reserve. So 12 months of the interest reserve holdback, okay? So that's money that you bring front to the deal, especially on the construction deals or rehab deals. So all of these are essential steps that lenders are taking in order to make sure that you bring the project to the finish line 'cause no one wants to get stuck. With a construction project, right?  [00:15:21] Sam Wilson: No, certainly not, certainly not. What is a practical piece of advice that you would give to somebody that's looking to, let's say they come to your platform, but what's one thing that they should be doing as a borrower that would set themselves apart and make getting approval on their loans easier? [00:15:38] Ari Shpanya: Well, the thing about real estate investing is it's kind of has the compounding effect, right? So the better borrower you are, the better track record you have, the better access you have to rates, the better access you have to capital, the better access you have to investors and, and inventory, and so on. I would really say it's important for borrowers to focus on their having, like, their experience with five properties, five assets completed. So that's something that every real estate investor, every real estate borrower should have under their belt. And once you have this experience, again, it relates to what we talked in the past. It's okay that you didn't turn a huge profit. You know, it's really important to establish your credibility and your experience. And even if you made a, you know, a 15% IRR, 25% IRR, it doesn't matter. Even if your LPs made more money than you, that's totally fine. As long as you have these four or five projects in terms of experience on your belt and then you're golden because that's what you need. You need that four or five buildings in terms of experience, assets, you want to have above a certain credit score, which is not an issue. And you want to have a certain net liquidity, which is also something that, you know, you want to set aside something and never be over-leveraged. So these are the three golden rules or the rules of thumb that I would say for getting a loan today or getting financed. And I would say that's a key here. [00:17:11] Sam Wilson: Fantastic. All right. Thank you for taking the time to come on the show today. It really gives us your view on where we are in the market cycle, what's going on in the market, and then really telling us, you know, how to be prepared as a borrower when we come to, you know, come and talk to the lenders and also, just, you know, telling us about LoanBase and why you started it, the problem you saw in the marketplace, and then how you creatively solved it. I think that's really, really cool. Certainly appreciate it. If our listeners want to get in touch with you or learn more about you, what is the best way to do that?  [00:17:38] Ari Shpanya: LoanBase.com  [00:17:40] Sam Wilson: LoanBased.com. Fantastic. We'll make sure we put that there in the show notes. Ari, thank you again for coming on today. I certainly appreciate it.  [00:17:47] Ari Shpanya: Thank you, Sam. It's been a pleasure. 

    Dear Asian Americans
    161 // Charles Jung // Attorney & Community Organizer

    Dear Asian Americans

    Play Episode Listen Later Aug 5, 2022 60:52


    Charles Jung, Executive Director of the California Asian Pacific American (APA) Bar Association and organizer with the Asian Justice Movement, joins Jerry to talk about growing up in the Midwest (and Korea!), his journey through law and becoming a lawyer, and being part of the Asian American community in the Bay Area.. Listen in as Charles and Jerry talk about the Korean American experience, advocating for the voiceless in our community, and what we can do to take action to protect each other.Meet CharlesCharles is a trial attorney who loves practicing law.  His focus is both defending companies in employment/wage cases, and representing executives, professionals, and founders in internal investigations and high-level separations.  In his employment and wage & hour defense practice, his clients have ranged from large publicly-held companies to smaller, privately-held businesses.  Charles helps executives tell their true stories, reclaim their reputations, and find redemption inside and outside the courtroom. Charles has substantial experience in trade secrets/employee mobility litigation and in class action litigation.  He is a frequent commentator in the legal press on these topics.   Educational Background: Charles earned his law degree from Stanford Law School, graduating with distinction. While at Stanford, he served as an Articles Editor for the Stanford Law Review. He earned his bachelor's degree, magna cum laude, from Duke University with a dual degree in economics and public policy. Charles earned his master's degree in public policy from the Harvard Kennedy School. At Harvard, Mr. Jung was a Kennedy Fellow. Connect with Charleshttps://www.linkedin.com/in/charlesjung/ https://www.instagram.com/charles.jung/ https://www.facebook.com/chasjunghttps://www.tiktok.com/@chasjungEpisode 161 with Charles Jung is a 10 part special series with Stand with Asian Americans entitled "Dear Asian Americans, What Now?" exploring what we are going through as a community during the past two+ years amidst the rising anti-Asian violence and hate crimes. We thank our friends at SwAA for their support of Dear Asian Americans.// Support Dear Asian Americans:NEW LOGO MERCH: https://www.bonfire.com/store/dearasianamericans/Buy Me a Coffee: https://www.buymeacoffee.com/jerrywonLearn more about DAA Creator and Host Jerry Won:LinkedIn: https://www.linkedin.com/in/jerrywon/Instagram: https://www.instagram.com/jerryjwon/// Listen to Dear Asian Americans on all major platforms:Transistor.fm: http://www.dearasianamericans.comApple: https://apple.dearasianamericans.comSpotify: https://spotify.dearasianamericans.comStitcher: https://stitcher.dearasianamericans.comGoogle: https://google.dearasianamericans.com  Follow us on Instagram: http://www.instagram.com/dearasianamericans Like us on Facebook: http://www.facebook.com/dearasianamericans Subscribe to our YouTube: http://www.youtube.com/dearasianamericans // Join the Asian Podcast Network:Web: https://asianpodcastnetwork.com/Facebook Group: https://www.facebook.com/groups/asianpodcastnetwork/Instagram: https://www.instagram.com/asianpodcastnetwork/Dear Asian Americans is produced by Just Like Media:Web: http://www.justlikemedia.comInstagram.com: http://www.instagram.com/justlikemedia

    Conscious Millionaire Show
    2451: Limitless Show: Best of Gay Hendricks: How to Live in Your Genius Zone!

    Conscious Millionaire Show

    Play Episode Listen Later Aug 5, 2022 35:36


    Welcome to the Conscious Millionaire Show for entrepreneurs,  who want to create an abundant future for themselves and humanity. Heard by millions in 190 countries.  Do you want to put more money in the bank, create a powerful impact, and enjoy a purposeful life? This is the podcast for you! Join host, JV Crum III, as he goes inside the minds of Millionaire Entrepreneurs and World-Class Business Experts. Today's featured episode... Gay Hendricks: How to Live in Your Genius Zone! Gay Hendricks has been a leader in the fields of relationship transformation and bodymind transformation for more than 45 years. After earning his Ph.D. from Stanford in 1974, he served as Professor of Counseling Psychology at the University of Colorado for 21 years. He has written more than 40 books, including bestsellers such as Five Wishes, The Big Leap, Conscious Loving and Conscious Loving Ever After, (the last two co-authored with his co-author and mate for more than 35 years, Dr. Kathlyn Hendricks). His latest book, Conscious Luck, reveals eight ways to change your fortunes through the power of intention. He has appeared on more than 500 radio and television shows, including Oprah, CNN, CNBC, 48 HOURS and others. His new book, The Genius Zone, was published in June, 2021. Subscribe in iTunes Download Your Free Money-Making Gift Now... "Born to Make Millions" Hypnotic Audio - Click Here Now! Please help spread the word. Subscribing and leaving a review helps others find our podcast. Thanks so much! Inc Magazine "Top 13 Business Podcasts." Conscious Millionaire Network has over 3,000 episodes and millions of listeners in 190 countries. Join us as a regular listener to get money-making secrets on how you can grow your business and profits faster!