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This week's episode is sponsored by:  Carry your creativity with Erin Lane Bags! Whether you show your fiber fandom with the woolly wonder Sheepleverse, or dive into history with the Curiosities collection, our project bags, totes, and hook and needle organizers are at the ready to keep your hobby happy.       Have you ever had to frog because you forgot a step several rows back? Or lost your spot because you dropped your magnet board or lost track with your highlighter tape? Instead of wrestling with paper, use the knitCompanion app. It keeps you on track so you can knit more and frog less. knitCompanion works with ALL your patterns and is available for Apple, Android, and Kindle Fire Devices         Are you feeling dis-GRUNT-eled about your stash? Are you browsing Insta-HAM looking for knitting inspiration? Is color "kind of a PIG deal" in your life? Oink Pigments offers over one hundred forty PIG-ture perfect colorways to make you SQUEAL with delight. For a limited time only, bring home the bacon with code KNITMORE and get fifteen percent off in-stock yarns and fibers at oinkpigments dot com. Shop soon, because these pigs will FLY!   The first time I saw a chain row counter, I thought "Hmm, that's nice, but I'll  just mark my pattern".  But I inevitably forgot and spent more time re-counting my knitting than actually knitting!   Friend, do yourself a favor and put a chain row counter on that project (you can thank me later). You'll always know exactly where you are and get to knit more - and stress less! No clicking, tallying, or waking your phone up every row.  Just knit!   Find your perfect counter at TWICESHEAREDSHEEP.COM         On the Needles :(0:36) Gigi at Jasmin's house knitting: striped socks for Andrew.grafted toe Jasmin is on to the body of her Adventure Tank by Fatimah Hinds in Tess Yarns raw silk (in a turquoise) Gigi: Meadowlands blanket 3.0 , Very potato chippy. colors so far reddish purple, fuchsia, purple. pumpkin and grey /  lavender /dark sage green. Started the 3rd triangle. Pumpkin has turned to bright yellow  1776 Genderflip Version , Goldstar Gigi: working on a  striped  preemie hat. Put on one row  Jasmin is nearly at the decreases on the Vertizontal Slouch hat #2 in some aged self-striping yarn Jasmin continues on a Big Hair Much Care hat by Fatimah Hinds in Valkyrie Yarns self-striping yarn. (30% more stitches than as written)   Events :(7:00) #MeMadeMay is HERE! Denim A line skirt from Clothing Construction 1 Jasmin wearing Me Mades and talking to the knitting club kids about slow fashion out of Oink Pigments Guild Va Bien strapless bra XRX bankruptcy declaration  Cognitive Fiber Retreat 2023 Sam's reception  Knitting club  Mother Knows Best: (27:21) Money Knit more, know more :(31:24) A segment about Persian culture, history, or just generally cool stuff about Persian people. Protests are ongoing, 313 days.   Loghmeye mohabbat :a nibble with affection The Pink Card podcast   And Sew on: (36:55) When Sewing G's pants, she requested adjustable elastic in the back waist, like the Cat and Jack brand. Jasmin:  Genevieve's suit progress, Wedding 2023 project.  Jasmin's dress: fabric, lining, and interfacing cut, sewing started. Front and back assembled, lining assembled. Lining connected at shoulders, lining hand sewn to zipper  Gertie's Patreon Gigi's dress My skirt was cut on the bias.  Bias skirts need to hang for 24 hours to allow the bias to hang properly  Quillting : Flynn frame

Clay Clark Testimonials | "Clay Clark Has Helped Us to Grow from 2 Locations to Now 6 Locations. Clay Has Done a Great Job Helping Us to Navigate Anything That Has to Do with Running the Business, Building the System, the Workflows, to Buy Property." - Charles Colaw (Learn More Charles Colaw and Colaw Fitness Today HERE: www.ColawFitness.com) See the Thousands of Success Stories and Millionaires That Clay Clark Has Coached to Success HERE: https://www.thrivetimeshow.com/testimonials/ Learn More About Attending the Highest Rated and Most Reviewed Business Workshops On the Planet Hosted by Clay Clark In Tulsa, Oklahoma HERE: https://www.thrivetimeshow.com/business-conferences/ Download A Millionaire's Guide to Become Sustainably Rich: A Step-by-Step Guide to Become a Successful Money-Generating and Time-Freedom Creating Business HERE: www.ThrivetimeShow.com/Millionaire See Thousands of Actual Client Success Stories from Real Clay Clark Clients Today HERE: https://www.thrivetimeshow.com/testimonials/

On today's episode of Girlboss Radio, Avery chats with Adrien Bettio and Hyla Nayeri, the women behind the It girl swim and lifestyle brand 437. The co-founders met at university while studying commerce, and became fast friends and eventually, roommates. Hyla and Adrien were on a trip in the Amalfi Coast and they couldn't find swimsuits that were flattering and curve friendly. And thus, the idea for 437 was born. They were just 21 years old. Today, 437 is loved and worn by celebs like Kylie Jenner, Megan Thee Stallion and JLo, and appeared in Vogue and Forbes. The Forbes 30 Under 30 founders share how they started an ecommerce business with no business experience, the women who inspire them on their entrepreneurial journey and what it's really like to go into business with your best friend. Check out 437 at shop437.com and on Instagram at @437, and follow Adrien at @adrienbettio and Hyla at @hylanayeri Get your very own Workplace Affirmation Deck from Girlboss at girlboss.com/affirmations! Sign up for Girlboss Daily, our must-read morning newsletter, at girlboss.com/newsletter. You'll get A+ career advice, dream job postings, free coffee every Friday and a few emojis (because we're fun like that), delivered right to your inbox. Looking for your next dream employee? Post your open role on our Girlboss Job Board at jobs.girlboss.com. Girlboss Goods, our women-owned and operated marketplace, makes it easier for you to vote with your dollar while also championing small businesses. Head to girlboss.com/goods. Happy shopping!

Feedback can feel like a loaded word. It has an awkward, negative and intimidating connotation that can make it an easy thing to want to avoid, but it doesn't have to! On this weeks episode Chris and Jared sit down to share their experiences with and advice for giving constructive feedback and building a culture where feedback is not only expected but encouraged peer to peer. It's okay to fail while learning, as long as you can accept the feedback that'll help you grow! Listen to the full episode to hear their thoughts! Check out todays podcast sponsors: Holy Kakow: https://holykakow.com/ Cat & Cloud Coffee subscription: https://catandcloud.com/products/subscription Do you have a question you've been dying to ask us? Do you wanna hear us talk about it on the podcast? Visit our website catandcloud.com/podcast, or email us at podcast@catandcloud.com and tell us what it is, and maybe your question will be the one we answer next week! Instagram: https://www.instagram.com/catcloudcoffee/ Cat & Cloud: https://catandcloud.com/ Chris Baca's Personal Blog: https://chrisbaca.com/ We are Cat & Cloud Coffee. Started by three friends trying to pursue their passions, with Integrity and intentionally, and it's our mission to inspire connection, by creating memorable experiences. We're a small independent business and this is our story. Enjoy!

How we live our life isn't often judged till the end of our life, when others talk about us. We don't get to hear those conversations. But that doesn't mean we can't affect them.The Dash Poem, by Linda Ellis, really stuck with me and it flavours a lot of my actions.The conversations we have with our loved ones about end-of-life decisions aren't easy, but they're necessary. And how we carry out those conversations has a lot to do with how we live our "dash".Mentioned in this episode:AlumnorAlumnor Ltd is a community based website speaking to like-minded women who understand the unique challenges of aging. Started by two best friends of over 35 years who want to empower and encourage women their age. One community to find all the resources to live your next best life. Discover supportive, like-minded women cheering your successes and encouraging your journey. Participate in live, virtual events that will invigorate your mind, heal your soul, and warm your heart. https://alumnor.caAlumnor

Started this week with the unrelenting Canada wildfires, and then talked about the historic flooding in Italy. Plus election results from Turkey and Thailand, US DoS convoy ambushed in Niger, another marijuana execution in Singapore, Durham Russia election interference report, Vice media declares bankruptcy, and a guy in Brazil kills his boss after boss gives him a drink with ejaculate inside of it. Music: Masha Hima & Tokyo Tears/"Mom Let Me Go (veins slowed remix)"

Vacation Rental & Airbnb Hosting Tips: 8 Things I Wish I Knew.(00:00) Minimum night stay requirement(01:29) Reviews(02:22) Airbnb and Vacation Rental Pricing (04:45) Outsourcing(06:15) Using Instant Booking(08:40) Furnishing your Airbnb(10:31) Expectations when starting Airbnb (12:20) Celebrating the small wins and learning from the lossesAre you a host? Want to collaborate? Email me here: john@vacationhomehelp.comHave a question you want answered on this show? Email me. Subscribe to the newsletter for exclusive resources at this link

OCT. 1, 1880, WAS a very big day in Portland. For the first time in the history of the city or the state, a sitting President of the United States had come to visit. President Rutherford B. Hayes had arrived in Portland the night before and was staying in the Esmond Hotel, the nicest in Portland at the time, on the corner of Morrison and Front streets. Portland was, of course, very much a frontier town in 1880, still dotted with the stumps of the trees that had been cleared to make room for it. So it can't have come as too much of a surprise to the president when, at 9:30 the next morning, a gunfight broke out directly beneath his hotel window. He was probably a little more surprised, though, when he found out who the gunfighters were: It was the president of the local synagogue — and the rabbi. (Portland, Multnomah County; 1880s) (For text and pictures, see https://offbeatoregon.com/20-12.rabbi-gunfight-rutherford-hayes-592.html)

In this Washington Post Live conversation from May 10, Oscar Munoz, the executive chairman of United Airlines, talks about his new memoir, “Turnaround Time,” in which he reveals that he was undocumented when he first came to the United States and recounts his journey to the c-suite of one of the country's top four airlines.

The Democrat pandering to Black Americans is in full swing. Rep. Cori Bush and Rep Barbara Lee have a Reparations Now plan all of a sudden. Where was this plan when Biden first came into office? --- Send in a voice message: https://podcasters.spotify.com/pod/show/psae/message Support this podcast: https://podcasters.spotify.com/pod/show/psae/support

Are you a believer looking to deepen your relationship with God? Or are you someone who is curious about the intersection of technology and spirituality? Joshua Broome and Rashawn Copeland, two inspiring Christian speakers and content creators, share their personal experiences of finding Jesus online. Offering unique insights on how technology can be used to deepen one's faith and connect with a wider community of believers, this episode is going to help you understand how to link tech and faith. We'll get a glimpse of Joshua and Rashawn's stories of how they discovered Jesus through social media, podcasts, and other online resources. There's even a lot to discover about the importance of building relationships and community with other believers, both online and in person; and exploring how faith can be integrated into various areas of life, including relationships, career, and personal growth. Show Notes: Nils Smith Website Nils Smith Facebook Nils Smith Twitter Nils Smith Instagram Nils Smith LinkedIn Joshua Broome Facebook  Joshua Broome Twitter  Joshua Broome Instagram  Josua Broome Tiktok  Joshua Broome LinkedIn Rashawn Copeland Facebook Rashawn Copeland Twitter Rashawn Copeland Instagram  Rashawn Copeland LinkedIn  Share the King Podcast  Social Media Church Discord Amplify Social Media

In the 155th episode of The Main Street Electrical Podcast, Jenn & Dave celebrates THREE YEARS of the podcast!  Started on May 17, 2023, the show enters it's 4th year and here on the 155th ep, both share a very cool Top Ten List. First up, a Jenn is all moved in, while Dave's LEGO set is finally complete. Then a quick look at the just announced Minion Land over in Universal Orlando coming this summer. Then, Dave & Jenn chat about Disney's Live Action movie favorites. They each rank their own top ten, including old flicks (Hayley Mills gets double!) and newer but not new (Amy Adams!!) and a few recent modern classics (Alexander's bad day?) Plus, Jenn breaks down Narnia and gives a house update. And plans for the summer, including a Patreon and a live show to come!  

In this episode, I sat down with Dr. Bassem Mikhael, SVP, of the Clinical Enterprise at Somatus. Started in 2016 by Dr. Ikenna Okezie, Somatus partners with clinicians, health plans, health systems, and multi-disciplinary community-based care teams to improve health, quality of life, and cost of care for patients with kidney disease. Somatus employs over 1,450 team members and serves more than 150,000 patients across 36 states. Dr. Mikhael and I discuss: 1) The vital role that kidneys play in maintaining health, the issues that arise from diseased kidneys, and how these challenges translate into per patient costs that are 10x higher, on average, than those for patients without kidney disease, 2) The traditional model for treating patients with chronic kidney disease (CKD) and end-stage kidney disease (ESKD) and how Somatus' model realigns incentives to focus on integrated, preventative, and patient-centered care, 3) Why the federal government, CMS, and CMMI have prioritized investments in kidney care and what we've learned from their initiatives and care model tests, and 4) Clinical innovations that make Dr. Mikhael optimistic about the future for patients living with kidney disease.

#NintendoPals #Zelda #tearsofthekingdom   Thanks for listening! Follow Andross: Twitch: https://www.twitch.tv/andross1 YouTube: https://www.youtube.com/@Andross1 TikTok: https://www.tiktok.com/@andross1_ Twitter: https://twitter.com/Andross1_ Follow Micah: Twitch: https://www.twitch.tv/micahprime Youtube: https://www.youtube.com/@MicahPrime Twitter: https://twitter.com/MicahPrime Follow us on Social Media: YouTube: https://www.youtube.com/Nintendopals Twitch: https://www.twitch.tv/nintendo_pals Discord: https://discord.gg/9aTTWQ9qqF Twitter: https://twitter.com/NintendoPals @Nintendopals Instagram: https://www.instagram.com/Nintendopalspodcast/ TikTok: https://www.tiktok.com/@nintendopalspodcast Leave us a 5 star review! If you'd like a shout out on the show, go leave a review! It helps us grow and it's totally free for you to do! help us take over THE WORLD! Apple Podcast: https://podcasts.apple.com/us/podcast/nintendo-pals/id1516772173#see-all/reviews Podchaser: https://www.podchaser.com/podcasts/nintendo-pals-1974928/reviews Audible: https://www.audible.com/pd/Podcast/B08K573YMJ#customer-reviews Spotify (reviewing only available on the mobile app): https://open.spotify.com/show/2sjirOzWCdHVXim3qChgc4?si=bqwOfvzvTFy_rmRyQU74Sw&utm_source=copy-link&nd=1 Check out our Merch Store: Store: https://streamlabs.com/nintendo_pals/merch Special Thanks to Roger Pollard for the amazing Intro tune used in the podcast, Check out more of his work on: Website: https://rpollard.com/ Twitter: https://twitter.com/atalkingfish

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One of the things that intrigues me about the journey of success and being a high achiever is the internal challenges, often unexpected, that we face when where we end up in life is very different than where we started. In today's episode, I talk with Anthony Trucks about his personal journey of transforming his identity and overcoming challenges. Anthony shares his own experience of feeling stuck between his current and desired selves, what he calls the "identity gap." He emphasizes the need to tap into something deeper and darker than positivity alone to overcome obstacles. Anthony offers valuable insights on changing your mindset, beliefs, and habits to achieve your goals. Join us as we discuss how to make an identity shift and bridge the gap between where you are and where you want to be. This conversation will inspire you to transform your identity and reach success beyond your expectations. Anthony Trucks is a former Foster Child, NFL Football Player, Competitor on American Ninja Warrior, Author, Shift Coach and Entrepreneur. From foster care to the NFL, to successful business owner, Anthony Trucks has accomplished what statistics would say is impossible. As a speaker, identity shift coach, and founder of "Dark Work" and creator of the "Dark Work Experience" Anthony teaches people how to access the power of their identity, tap into their full potential, and Make Shift Happen! And be sure to subscribe to The Self-Employed Life in Apple Podcasts or follow us on Spotify or wherever you listen to podcasts so you don't miss an episode. Everything you need can all be found at jeffreyshaw.com.  Anthony Trucks, thank you so much for being here! Remember, you might be in business FOR yourself but you are not in business BY yourself. Be your best self. Be proud and keep changing the world.   Guest Contact – AnthonyTrucks.com Identity Shift: Upgrade How You Operate to Elevate Your Life by Anthony Trucks Anthony Trucks on LinkedIn (in/anthonytrucks) Anthony Trucks on Facebook (@AnthonyTrucks) Anthony Trucks on Instagram (@anthonytrucks) Anthony Trucks on Twitter (@AnthonyTrucks) Anthony Trucks on YouTube (@AnthonyTrucks) Contact Jeffrey – SelfEmployedNewsletter.com Website Books Watch my TEDx LincolnSquare video and please share! Valuable complimentary resources to help you – ·       The Self-Employed Business Institute- You know you're really good at what you do. You're talented, you have a skill set. The problem is you're probably in a field where there is no business education. This is common amongst self-employed people! And, there's no business education out there for us! You also know that being self-employed is unique and you need better strategies, coaching, support, and accountability. The Self-Employed Business Institute, a five-month online education is exactly what you need. Check it out! ·       Take The Self-Employed Assessment! Ever feel like you're all over the place? Or frustrated it seems like you have everything you need for your business success but it's somehow not coming together? Take this short quiz to discover the biggest hidden gap that's keeping you from having a thriving Self-Employed Ecosystem. You'll find out what part of your business needs attention and you'll also get a few laser-focused insights to help you start closing that gap. ·       Have Your Website Brand Message Reviewed! Is your website speaking the right LINGO of your ideal customers? Having reviewed hundreds of websites, I can tell you 98% of websites are not. Fill out the simple LINGO Review application and I'll take a look at your website. I'll email you a few suggestions to improve your brand message to attract more of your ideal customers. Fill out the application today and let's get your business speaking the right LINGO! Host Jeffrey Shaw is a Small Business Consultant, Brand Management Consultant, Business Coach for Entrepreneurs, Keynote Speaker, TEDx Speaker and author of LINGO and The Self Employed Life (May 2021). Supporting self-employed business owners with business and personal development strategies they need to create sustainable success.

David Grier Interview: 3-time IBMA Guitar Player of The Year, David talks about playing with Clarence and Roland White, why he left Rounder Records... why, after all these years, he finally started singing on his latest album, what picks him up during bad times, and more: Cool Guitar & Music T-Shirts, ELG Merch!: http://www.GuitarMerch.com 3-time International Bluegrass Music Association Guitar Player of The Year award winner, David has been playing bluegrass since he was a kid. First, with his father Lamar - who was a member of “Bill Monroe's Bluegrass Boys,” and later as a solo artist who's recorded on 15 LPs. David was a member of Psychograss and is the founder of The Helen Highwater String Band Subscribe & Website: https://www.everyonelovesguitar.com/subscribe Support this show: https://www.everyonelovesguitar.com/support

Nate wanted to remind all of us to just "skip" around!. Gandhi just started watching Ted Lasso. Danielle fell in love with the new 'Little Mermaid' and what she leaned about seagulls! Froggy got help from a total stranger when he was fixing his bike. Skeery's advice of the day, DON'T BE LAZY this summer! See omnystudio.com/listener for privacy information.

Frances Fuller Victor became the founding mother of all Oregon history, and one of its most important writers of all time. By the time she arrived in the Beaver State, she was already a well-known writer. (St. Helens, Columbia County; 1860s, 1870s) (For text and pictures, see https://offbeatoregon.com/1503e.frances-fuller-victor-part1.332.html)

I got to spend a lunch break with Adam and Coryn Enfinger, owners of Dark Cycle Clothing⁠, a clothing brand based out of Tampa, FL inspired by Adam thinking up quirky animals on bike designs while making his 17-mile bike ride to work. Eventually, he screenprinted the designs on some extra t-shirts and they generated quite a bit of interest every time they were worn. Now with over 100k happy customers and with their shirts in over 100 small shops worldwide, each shirt is still hand screen printed with care by Adam. Dark Cycle Clothing's mission is to provide ethical and quality clothing while promoting alternative transportation and raising animal awareness. I spoke to Adam and Coryn about how they came up with the name and the concept. Coryn told me about they started with an Etsy shop and how it blew up and then they did a .com shop. We spoke about how they handle inventory when doing Wholesale, Events, Etsy, and DarkCycleClothing.com. Adam spoke about how they hand-print each shirt. We spoke about how they balance their business and also caring for their 8 children. We spoke about what it takes to be a successful clothing brand, as well as, discussed how many different animals they have created on bikes. Was great to also hear about how they discussed some of their previous designs coming back. Lunch with Biggie is a podcast about small business and creatives sharing their stories and inspiring you to pursue your passion, with some sandwich talk on the side. Created, edited, and produced in Orlando, FL by Biggie- the owner of the sandwich-themed clothing brand- ⁠⁠⁠⁠⁠Deli Fresh Threads⁠⁠⁠⁠⁠. Dark Cycle Clothing Social: Dark Cycle Clothing IG:⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/darkcycleclothing/ ⁠Dark Cycle Clothing Website:⁠ ⁠https://darkcycleclothing.com/ ⁠Dark Cycle Facebook:⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/DarkCycleClothing Dark Cycle Newsletter: https://darkcycleclothing.us3.list-manage.com/subscribe?u=c575a5733bf54a7d487b1a4a3&id=a3dd477ce4 (GO) Music: https://open.spotify.com/artist/52TqGFoSPrdogc8ZFuGqtP?si=ScPhZtJFSGyowz64lesrIw Fall Empire Fall Music:  https://open.spotify.com/artist/2gZVQ4MtnQR4V90fI6zsrH?si=8SDWZabQRhq6-IsoNiqLmw Biggie's Social: ⁠⁠⁠⁠⁠Deli Fresh Thread's Instagram⁠⁠⁠⁠⁠- ⁠⁠⁠⁠⁠https://www.instagram.com/delifreshthreads/⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Podcast's Instagram⁠⁠⁠⁠⁠- ⁠⁠⁠⁠⁠https://www.instagram.com/lunchwithbiggie/⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Podcast's Facebook Group⁠⁠⁠⁠⁠- ⁠⁠⁠⁠⁠https://www.facebook.com/groups/lunchwithbiggie⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Podcast's Twitter-⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠https://twitter.com/LunchwithBiggie⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Deli Fresh Threads⁠⁠⁠⁠⁠- ⁠⁠⁠⁠ ⁠https://DeliFreshThreads.com --- Send in a voice message: https://podcasters.spotify.com/pod/show/lunchwithbiggie/message

Amy Song is a ceramic artist working in Plainfield, IL. Amy holds a BA in studio art and ceramics from Hope College and fell in love with wood firing at Waubonsee Community College in 2013. In 2018, Amy founded River Song Pottery in Plano, IL. Since then, River Song has hosted its first workshops bringing nationally known potters to the area and is excited to be spreading the love of wood firing in the greater Chicago area. Amy is the lead organizer of the Northern IL Pottery tour, which was launched to celebrate and lift up the incredible work being created in the area. http://ThePottersCast.com/938

Clay Clark Testimonials | "Clay Clark Has Helped Us to Grow from 2 Locations to Now 6 Locations. Clay Has Done a Great Job Helping Us to Navigate Anything That Has to Do with Running the Business, Building the System, the Workflows, to Buy Property." - Charles Colaw (Learn More Charles Colaw and Colaw Fitness Today HERE: www.ColawFitness.com) See the Thousands of Success Stories and Millionaires That Clay Clark Has Coached to Success HERE: https://www.thrivetimeshow.com/testimonials/ Learn More About Attending the Highest Rated and Most Reviewed Business Workshops On the Planet Hosted by Clay Clark In Tulsa, Oklahoma HERE: https://www.thrivetimeshow.com/business-conferences/ Download A Millionaire's Guide to Become Sustainably Rich: A Step-by-Step Guide to Become a Successful Money-Generating and Time-Freedom Creating Business HERE: www.ThrivetimeShow.com/Millionaire See Thousands of Actual Client Success Stories from Real Clay Clark Clients Today HERE: https://www.thrivetimeshow.com/testimonials/

Today's episode features Andrew Keel, CEO of Keel Team LLC, who shares his experience in mobile home park investing.  He discusses his approach to finding off-market deals through cold calling and the efficiencies he brings to properties through sub-metering and other improvements. Sam asks Andrew about the market sentiment in mobile home park investing and his journey from flipping houses to owning over 2,000 lots across 33 mobile home parks and 11 self-storage facilities. Andrew also explains his company's approach to adding affordable housing units to markets in need while providing great returns and tax benefits for investors. Join Sam and Andrew in today's episode. -------------------------------------------------------------- Cold Calling and Timing [00:00:00] Andrew Keel's Journey [00:01:07] Efficiencies in Mobile Home Park Investing [00:04:20] Building a Cold Calling Team [00:07:48] Forced Sellers in Mobile Home Park Investing [00:10:10] Creating Affordable Housing in Mobile Home Parks [00:11:44] The need for affordable housing [00:12:33] Community engagement in mobile home parks [00:13:36] Connecting buyers with manufactured housing [00:17:09] Building a Team [00:18:45] Creating Win-Wins [00:23:09] Contact Information [00:24:15] -------------------------------------------------------------- Connect with Andrew: Instagram: https://www.instagram.com/keelteamrealestate/ Facebook: https://www.facebook.com/keelteam6/ Linkedin: https://www.linkedin.com/company/keel-team-real-estate/   Connect with Sam: I love helping others place money outside of traditional investments that both diversify a strategy and provide solid predictable returns.     Facebook: https://www.facebook.com/HowtoscaleCRE/ LinkedIn: https://www.linkedin.com/in/samwilsonhowtoscalecre/ Email me → sam@brickeninvestmentgroup.com   SUBSCRIBE and LEAVE A RATING. Listen to How To Scale Commercial Real Estate Investing with Sam Wilson Apple Podcasts: https://podcasts.apple.com/us/podcast/how-to-scale-commercial-real-estate/id1539979234 Spotify: https://open.spotify.com/show/4m0NWYzSvznEIjRBFtCgEL?si=e10d8e039b99475f -------------------------------------------------------------- Want to read the full show notes of the episode? Check it out below: Andrew Keel (00:00:00) - they're not gonna wanna sell right when you call 'em, right? They're, you're kind of caught 'em off guard. But it's getting the details on the property, seeing how it's performing, and then following up with them because life happens. I, I, if, if this cold calling has taught me anything, it's that, hey, you know, people are one heart attack away from fire sailing their property. It's all timing and being there when you know something happens to help give them a solution, right? A, a fast exit, uh, because that's, that matters in today's world.   Intro (00:00:27) - Welcome to the How to Scale commercial real estate show. Whether you are an active or passive investor, we'll teach you how to scale your real estate investing business into something big.   Sam Wilson (00:00:40) - Andrew Keel is the c e o of Keel team llc and m h u Top 100 owner of manufactured housing communities with over 2000 lots under management. His team currently manages over 30 manufactured housing communities in 11 self storage facilities. Andrew, welcome to the show. Thanks   Andrew Keel (00:00:56) - For having me. Excited to be here, Sam.   Sam Wilson (00:00:58) - Absolutely. The pleasure is mine. Andrew, there are three questions I ask every guest who comes in the show in 90 seconds or last, can you tell me where did you start? Where are you now, and how did you get there?   Andrew Keel (00:01:07) - Started flipping houses around central Florida, uh, through a yellow letter I mailed out. I found two mobile homes, uh, uh, that, that I ended up buying and selling on contract. Ended up meeting a, a park owner and he took me under his wing and, and said, Hey, this is how you syndicate deals and raise money from investors. So now I've been doing that for seven years, and we own, uh, over 2000 lots, across 33 mobile home parks and 11 self storage facilities.   Sam Wilson (00:01:37) - Wow, that's amazing. That's absolutely amazing. Tell me, I guess, what, uh, what's the market sentiment and what it is you're doing right now?   Andrew Keel (00:01:46) - The market sentiment? You know, I think it's, uh, I think there's some, some ups and downs. You know, there's some, there's some landlords out there that have kind of given mobile home park investing a black eye, I would say from, you know, raising rents too fast and, and, and kind of, you know, predatory landlording is, is kind of, you know, going around. So there's some of that out there. Uh, but then there's good operators that are doing it the right way, right? Like, you know, rent's gotta go up, but you gotta fix that deferred maintenance, you gotta improve the properties and make 'em better. And I think there's a win-win there for the tenants and for the investors. So, uh, it's just finding the right operators. Yeah,   Sam Wilson (00:02:23) - No, that, that's absolutely right. Uh, I want to hear, you know, what, what it is that you guys are doing right now. Uh, like who is your target seller? What, what's that, what's that look like for you?   Andrew Keel (00:02:36) - Target seller is, uh, we have a, an acronym, it's called goat and it stands for Gray, old and Tired . And in our c r m we don't pursue any deals unless the owner is a gray, old and tired, uh, owner of commercial real estate, specifically mobile home parks and self storage facilities. Uh, through our sales team, we make over a quarter of a million cold calls to mom and pop owners of, uh, self-storage and, uh, mobile home parks every year. And that's where we buy all of our deals or are off market, uh, direct to owner. And, you know, we've just found that, you know, when we're buying from mom and Pops, we're able to get, you know, uh, typically better deals, but mainly we're buying properties that are not being efficiently run. And when we take them over, you know, there's very easy to see things like, Hey, having your rent roll be digital and software instead of on a yellow pad of paper. Little things that we can do to tweak the operations to make it better. And hey, if that's how they're running the rent roll, imagine what else they're doing that we could tweak to more efficiently and and increase the No, I, so yeah, that's, that's our nutshell. Yeah.   Sam Wilson (00:03:46) - And, and I think anytime, and of course the, the manufacture to housing community space, even for the last decade has certainly been undergoing its fair share of sophisticated ownership groups. Uh, in fact, I would say it's probably more on that front than maybe less at this stage, cuz it's, it's been such a hot, uh, a hot, um, asset class to be buying in. But tell me some more other efficiencies maybe that you guys see some sophistication that you can bring to the table at scale, maybe that a mom and pop owner just can't afford to do with a single property.   Andrew Keel (00:04:20) - Yeah, I mean, the big one that comes to mind is sub metering the, uh, water and the water usage, right? The under each home, you know, now there's technology out there with internet connections. The sub meters actually have internet connection and will in real time notify you of high usage. So if they go over, uh, you know, high usage, we can stop it, right? You know, very early on, instead of waiting 30 days for us to get a, uh, uh, an invoice in the mail from the water company telling us that we have a water leak because our water bill is double right. You know, we're able to just react in real time where the mom and pops, they may not even be billing back for the water and sewer. They may just be including that in lot rent. So not only were we billing it back, but we're also catching leaks earlier to, you know, reduce that potential expense.   Sam Wilson (00:05:07) - Yeah. And it's small stuff like that. I mean, I don't know what, what do those meters cost you on a, on a per home basis?   Andrew Keel (00:05:14) - Let's say 500 bucks all in with installation.   Sam Wilson (00:05:17) - Okay. But, okay, so 500 bucks, let's assume it's a hundred pad, uh, a hundred, a hundred pad park, that's 50 grand, right? And so that's right to a mom and pop owner, that's a tough pill to swallow. Like, man, you know, I don't know. That's, we, we run this park and that's $50,000 and you know, he probably had a, had a new truck in 10 years, so, you know, he's looking at a new truck or backfilling water and goes, I think I'll just take the new truck. Uh, cuz you know, if you have to choose how to spend his money, where you look at that and say, how can we not put that amount of money into these parks? It just, it just makes financial sense.   Andrew Keel (00:05:52) - Like, for example, a park we bought it had water leaks and it was losing $2,000 a month on the water sewer recapture. Wow. So if you take 2000 a month, month, it times up by 12 months gives you 24 K a year in additional expense. If you're able to, you know, add 24 K in NOI to that property and then add a seven cap, you know, you just saved $342,000 over $342,000. So to spend 50 k to make 342,000, we're gonna do that every day of the week.   Sam Wilson (00:06:26) - For sure. For sure. You call me when you have that next, uh, next, uh, you know, uh, opportunity right there. If I can do that in a year, I'll, I'll, I'll be all, I'll be all about it. Thanks, Andrew. Um, no, that's fantastic. I love that. I love that. Let's get into the, the, the 250,000 cold calls comment. I mean, that's mind boggling. Are there 250,000 self-storage and or mobile home? Are there, are there that many combined in the United States   Andrew Keel (00:06:53) - That there there's not, yeah, there's about 50,000 or so of each asset class. Okay. And obviously, you know, for mobile home parks, that number's going down every year because it's really hard to get new ones developed and the existing ones are being torn down and turned into apartments or, or something else. Uh, you know, for it's self storage is obviously being built up, you know, uh, more and more. But, uh, you know, a lot of that is recurring calls. You know, they don't pick up, you know, you're leaving voicemails, you're doing different things. But, but yeah, I think that is our niche. And you know, for example, we have a $4 million property under contract right now that's supposed to close at the end of the month, a hundred percent owner financing. Wow. At 6% and a seven year term and 25 year amortization. Okay. So like a hundred percent l t v, you know, and, and do your return metrics on that when all of the capital you're raising is for improvements. Hmm.   Sam Wilson (00:07:48) - Mm-hmm. . That's amazing. That's amazing. Awesome. And people, people will tell you that those deals don't exist, but you're, you're living proof that that, that they do in fact still exist. What's it, what's it been like, give us some insight onto building a cold calling team and even getting the deal flow and data right? Such that that team can then continue to produce those phone calls. I mean, that's, that's a whole process all itself. Yeah.   Andrew Keel (00:08:13) - Oh, it a hundred percent is, yeah. We used a, a software called Reonomy to help identify property owners and get their contact information and then, you know, really identifying the team. You know, we found that it's better to get sales guys that can work part-time because do it eight hours straight of just cold calling. You're gonna lose energy and you're gonna, by the end of it, you're not gonna be as productive. So we have, uh, a team that works part-time, you know, four hours a day, right. In the mornings typically. And, you know, they're on a dialer, so they're hitting, you know, multiple numbers at once, you know, reaching out to people and, and it's been really productive for us, you know, building those relationships, you know, hey, they, they're not gonna wanna sell right when you call 'em right? They're, you're kind of caught 'em off guard, but it's getting the details on the property, seeing how it's performing, and then following up with them because life happens. I, i, if, if this cold calling has taught me anything, it's that, hey, you know, people are one heart attack away from fire sailing their property. It's all timing and being there when you know something happens to help give them a solution. Right. A a fast exit. Uh, because that's, that matters in today's world.   Sam Wilson (00:09:18) - It, it certainly does. And I was the unfortunate recipient of some news on some deals we'd been chasing a couple years ago. And, uh, you know, the seller at that point was just hard and fast. No, no, no, not gonna do it. And then, uh, I found out today that all the whole portfolio had traded hands. And I'm like,   Andrew Keel (00:09:34) - It's my own   Sam Wilson (00:09:34) - Fault for not staying in front of them. Right. I mean, it's my own fault. Those are lessons learned the hard way where you just go, okay, you've got to, like you said, it's one heart attack away from suddenly going, Hey, we're gonna fire sale this. You know, I got three months left to live maybe and I don't really care anymore, so somebody buy it so I can go do what I want for the next 90 days. Uh, yeah. And   Andrew Keel (00:09:52) - Right now, you know, with what's going on with all these, uh, interest rate caps that people are buying and, and what happened with these variable rate loans, you know, I think, I think there's more and more forced sellers than there are, uh, you know, people that, that would desire to sell, you know, at, at the right time. So there might be some opportunity there. Do   Sam Wilson (00:10:10) - You think it's happened because it's certainly, I've seen it happen in the, um, multi-family space. I hadn't really heard or thought much about it in the manufactured housing or community, uh, space. People taking on bridge debt, bridge debt is now coming due. They need to refi, but they can't, cuz it doesn't make sense. They're, they're doing cash in refis. I mean, are you guys seeing that in your, in your, uh, asset class as well?   Andrew Keel (00:10:35) - Not a ton of it. You know, I think it's still early even for multi-family. You know, I think it, it's still early, but there were some operators out there that took variable rate loans and now are negative cash flow. And I mean, I, I've seen it, right? These CMBS lenders are vicious. They will take your property back. They want to take your property back. Right. So it, it, it's really, you know, a matter of time before we see blood in the streets.   Sam Wilson (00:11:00) - Yeah. Yeah. That's unfortunate. Yeah. And that's, uh, and again, you know, I haven't seen it a lot in the multifamily space, but certainly have heard the rumblings and have, uh, you know, talked to some lenders and people that have indicated that they're, that they are seeing that, uh, indeed occur on the, especially on the cash and refi side, on, on multi-family properties, which has gotta be a painful situation Oh. Uh, for everyone. Uh, especially   Andrew Keel (00:11:21) - Everyone, especially   Sam Wilson (00:11:22) - Your investor base. Um, so yeah, that's, uh, let's talk about the affordable housing crisis. I mean, it's something, you know, we hear that those three words put together all the time, and you're in a space that is a, like you said, it's, it's a, it's not just a constrain, but it's a dwindling supply space. So what are you guys doing on that front to preserve and or create more affordable housing?   Andrew Keel (00:11:44) - Yeah, great question. I love talking about this because, you know, this is the win-win, right? You know, we're, we're buying these properties from mom and pops who have let things kind of dwindle, right? Like, we're buying properties that are 70% occupied, you know, so there's, there's more lots sitting there, but the mom and pops just don't have the effort. Or like you said, the, the funds to go and buy homes, bring them in and set 'em up on those lots, right? So when we're able to rejuvenate a property and come in with a lot of energy and a lot of new capital, it, it just, it, it is so awesome. That is why I love doing this business because I'm able to see lives change. I'm able to add affordable housing units to markets that desperately need it. And at the same time, I'm able to create a win for our investors because they're able to get great returns on their investment and also get great tax benefits because of these, these mobile home parks.   Andrew Keel (00:12:33) - But I think, you know, still the majority of mobile home parks, like over 60% are still owned by Mom and Pops mm-hmm. , and they've just kind of used these things as a retirement vehicle and haven't reinvested into them. So, uh, that vacant lot scenario is where we're adding affordable housing units. And, you know, the, the high level econ 1 0 1 is like, hey, the supply of mobile home parks are shrinking every year. That's like unknown. Just type in, you know, mobile home parks, uh, shutting down into Google and see what pops up. It's, it's all over the news because, uh, deferred maintenance, because redevelopment, you know, you name it. And we're able to buy these properties and keep them mobile home parks and increase the occupancy so that we're adding affordable housing. And, and that just matters that, that matters because we desperately need it. Manufactured housing can be built for around $50 a square foot where site built housing is over a hundred dollars a square foot. So it's like there's a huge win here, uh, to be had. And, uh, yeah, I'm excited to be able to add to that supply.   Sam Wilson (00:13:36) - Tell me about, tell me about, um, maybe community engagement inside of your, uh, communities. What's something you guys are doing on that front? Obviously retention of your, um, residence is probably a lot easier in your space, but are there things that you're doing to really improve the, um, just kinda the holistic experience of someone living in your communities?   Andrew Keel (00:14:00) - Yeah, I think the first thing is we always have an onsite manager that is, is a tenant that lives in our park. You know, and, and just giving them that point of contact really makes it feel, you know, more like a community because they connect everybody. They're talking with everybody. Uh, that has been huge. You know, we're, we're buying from mom and pops who have self-managed Yeah. And maybe they live a couple hours away and they don't make it to the property. Uh, you know, every month where an onsite manager that's working, even if they are part-time, you know, Monday, Wednesday, Friday, you know, you know, and whatever the, the hours are. But it's just good to have someone there that they can talk to and they can work through stuff and see the options. You know, we noticed that in, uh, during c o d, you know, there was a ton of rental assistance programs, but there was no one to like hold the, the hand of the tenants and help get them signed up for these.   Andrew Keel (00:14:49) - So our onsite managers really carried that load and, and sat down on the computers and helped, helped our tenants sign up for these rental assistance programs. And, you know, that is a huge burden off of their back. Now they can spend the money that they have on food and other resources instead of needing to worry, you know, they got thousands of dollars for their rental assistance and that was just a huge help. So having onsite managers and then obviously communicating well with our, with our resident base is, is huge for us. So those are two things, community engagement wise, uh, that we make sure to do every year.   Sam Wilson (00:15:19) - Yeah, no, I think that that's really, really cool. Thank thanks for sharing the insight on that. Yeah. And having that local, that person that's right there, living one of your neighbors. I mean, I think that would be just a huge, um, just a huge thing that would really, you know, again, not just resonant retention, but but from a, a, uh, feeling like you belong there sort of thing would, would make a big Yeah. A big difference on that front. You mentioned bringing homes in. So you buy a park, use the example, you said it's 70% occupied, that means, let's call it a hundred. I don't know how many units was there, but let's just make a number up and say it's a hundred. So you got 30 open slots, you're gonna bring houses in. Are you guys then selling those to your residents? Are you using those as park owned homes? What is that? What's your plan there?   Andrew Keel (00:16:02) - Our plan is, is we want tenant owned home communities. It's just more scalable and, and we're, we want to rent out the dirt, not the homes themselves. Right. You know, a lot of people don't, don't think about this, but manufactured homes are built differently. The drywall is not the same size that the windows are different sizes, the doors are different sizes. You can't just go down to the Home Depot and get some of these materials. So you're gonna have to special order them and, and ship them in. And, you know, with the logistics issues we've had the past couple of years, that can get expensive. So we don't want to own the homes. We want our tenants to own the homes and we will sell them, uh, sometimes via like a, a, a lease option or a, you know, a, a a rent credit program where they will make monthly installments towards purchasing the home. Uh, but mostly, uh, you know, there's financing companies out there as well, like Triad and PEP Lending that will finance our tenants and then we will just, you know, get law rent.   Sam Wilson (00:16:56) - Got it. Got it. So you guys aren't even directly buying the homes, you're just connecting the buyers with the, uh, manufactured housing, uh, manufacturers. Is that right? Or are you guys buying 'em, bringing 'em in and then connecting them? Some   Andrew Keel (00:17:09) - Sometimes. But, you know, everybody likes it with a bow on top and ready to go. So, we'll, we'll actually get the homes in and there's a program called Cash Program at 21st, uh, mortgage where we, we'll buy the homes or we won't even have to buy the homes. We'll get the homes moved in, get 'em set up on the lot, and then we'll market them and then, you know, funnel, uh, interested buyers to this 21st mortgage who's a part of Berkshire Hathaway and that whole, uh, you know, Clayton Homes, you know, Warren Buffet deal and they will finance our tenants.   Sam Wilson (00:17:38) - Got it. Oh, that's cool. I like that. I like the way you put that with, everybody wants it with a bow on top, cuz that's that's absolutely true. I know here, and again, I haven't had, uh, we haven't talked mobile home parks on this show probably, uh, maybe six, seven months. So I know the last time someone came on and really dove deep into the mobile home park space, even then they were experiencing just some supply chain constraints as it pertained to getting new homes, getting things on the lots. Has any of that lessened, or what's that look like now?   Andrew Keel (00:18:06) - Yes, it has lessened, you know, it was 18 months to order a home and it wasn't come in for 18 months. It was crazy. Wow. Back in Covid and all the, you know, the logistics issues. Uh, but now we're down to about four months. Okay. So we'll order it and four months it's coming in, which is amazing. I mean, I'm, you know, very grateful for that because 18 months was just so hard. And then they, they wouldn't tell you it was 18 months. Right. They'd tell you it was gonna be 12 months. Right. And then they'd push it back and then they push it back, and then it ended up being 18 months. So imagine your proforma when you're planning on income at, at month 13, and you're not getting until month 19. So there was a lot of operators hurting at that time, but things have improved on that front.   Sam Wilson (00:18:45) - Oh, that's great. That's great. I'm glad to, glad to hear that. Yeah. That's one of those things that, uh, like you said, if it's, if it's, you can't, you can't underwrite, you know, when, when timelines aren't kept from your manufacturers, you just can't, you can't stick to it. Tell me about this. You've built a team. You've, you've gone from, I think you started in fixing flip, is that right? If I'm remembering your story correctly in the beginning Yep. Picks and flipping. Yep. Now you've grown this, this huge mobile home park, uh, or mobile home community business. You've got team members, you've got cold callers working all day. You guys are selling homes, you're buying communities. I mean, you're going like gangbusters. What is one thing you feel like you've done really well that maybe somebody that's just starting out and or you know, has a little traction should emulate   Andrew Keel (00:19:28) - Hiring overseas? Hiring overseas and siloing off, you know, tasks and then documenting really well, if, if I was gonna, you know, do it all over again, I would've done that earlier. You know, you can hire more loyal and, uh, you know, less expensive help overseas that will be, will be just fully capable and then some to execute. And, you know, I, if you can do that, I, I really think every business owner should really explore hiring some overseas help. Mm-hmm.   Sam Wilson (00:20:02) -  mm-hmm. . Yeah. Absolutely. Absolutely. When it comes to things that maybe rewind the tape a little bit and, you know, you said, gosh, I could have done this better. What are, what are some of those things that come to mind?   Andrew Keel (00:20:15) - Yeah, man, I, uh, in my early days, you know, when we were just hiring people, uh, we didn't do like a personality assessment or anything like that to see if they would actually be good in their role, uh, long term. So we had a lot of turnover, uh, because it was, hey, we, we put someone that was not detail oriented in a role that required, you know, very detail oriented, uh, personality types. So now we use a system called the Predictive Index. Mm-hmm. . And it does a, a cognitive and a personality assessment. And it's just aligned our team with the roles and we're, we're fighting. They're staying longer, they're happier, you know, because we're playing to their strengths. So that's been huge for us.   Sam Wilson (00:20:59) - Yeah. Man, what a powerful thing that is. I can, I can just speak, uh, and completely agree with you on that front. Using a personality assessment and familiar with predictive predictive index, the disc test. A lot of those, uh, you know, maybe one, one, I don't know if one's necessarily better than the other, but I've used them both. And, uh, gosh, I was even having a conversation with a new hire yesterday when I was like, wait, I can refer back to your, um, personality test that you took. And I recognize that I need to speak to you and engage with you in a different way such that you understand what it is I'm trying to say. And, and give you what you need to go do your job.   Andrew Keel (00:21:38) - And Exactly.   Sam Wilson (00:21:39) - And I, that's so powerful. It's so powerful and I so powerful. And actually this, there was a team member that we just, this is the same team member we just brought on, but I had a role, I wanted to hire this particular, I wanted to fill this role and I already knew this person. I wanted to put her in that role. She did the personality test and I said, no, but there's another kind of blended role that we can put you in that will do a little bit of those things, but fill the gap over here much more meaningfully based on your skillset. She's way happier and she's crushing it. It's like she That's awesome. No, it is awesome. So I just thank, thanks for sharing that. Cause I think if people aren't utilizing those very, and they're not expensive.   Andrew Keel (00:22:17) - No, they're not. No.   Sam Wilson (00:22:19) - And it makes all the difference in the world. So I can just testify to what you've just said as a, as a leader, um, how powerful that is when we're building out, uh, our teams on that front. So very, very cool. You, you've shared with us so much here today, Andrew, on how to build a team, talking about, you know, making 250, which is an astounding number thousand cold calls, how you guys are buying, you're buying everything offline, buying from, from, uh, you know, mom and pops, how you're bringing sophistication to the industry in this space. We didn't even get a talk about self-storage. I mean, you guys are buying in, in, in that department too. Maybe you'll have to come back on show number two and tell us how you're, how you guys are finding opportunity on that front. Is there anything else really that comes to mind today that you'd say, man, Sam, these are some things that I really wanna share with your listeners that are relevant to what we're doing and that, uh, I think will make a difference?   Andrew Keel (00:23:09) - Yeah. I would say at, at the end of the day, uh, you know, being willing to, uh, give back and, and try to create win-wins, you know, in, in your business, right? Like, uh, our, our goal is not to make as much money as we humanly can, right? At the end of the day, it's creating a win-win for our residents. Mm-hmm. . So they're happy. And by doing that, they're gonna stay longer and it's gonna be a win for our investors because they're gonna have more reliable, uh, income and, and, you know, income and distributions off of their investments. So that's, that's something I can go to bed at night and lay my head down knowing, hey, I'm doing, I'm doing good in the world. I'm adding affordable housing and I'm, I am, you know, keeping these assets as mobile home parks in, in my case, uh, where otherwise they might have been redeveloped and, and turned into something else and these people would've lost, uh, lost their homes and lost their living arrangements. So, uh, yeah, I'll just spin that way.   Sam Wilson (00:24:06) - Awesome. Andrew, thank you for coming on the show today. I do appreciate it. Certainly learned a lot from you. If our listeners wanna get in touch with you and learn more about you, what is the best way to do that?   Andrew Keel (00:24:15) - Best way to do that would be to check out my website, it's keel team.com. That's just K e E L t e A m.com.   Sam Wilson (00:24:25) - Kehl team.com. We'll make sure we put that there in the show notes. Andrew, thank you again. Have a great rest of your day.   Andrew Keel (00:24:31) - Yeah, thank you so much, Sam.   Sam Wilson (00:24:33) - Hey, thanks for listening to the How to Scale Commercial Real Estate Podcast. If you can, do me a favor and subscribe and leave us a review on Apple Podcast, Spotify, Google Podcast, whatever platform it is you use to listen. If you can do that for us, that would be a fantastic help to the show. It helps us both attract new listeners as well as rank higher on those directories. So appreciate you listening. Thanks so much and hope to catch you on the next episode.      

Delegation of tasks is a difficult skill to gain, but incredibly important in running a company. How do you reach a point where you are able to step away from everything that needs to get done so that you can focus on just the things that are energizing to you? On this week's podcast, Chris and Jared sit down to discuss how the physical space can be wild sometimes. It can be hard to see all the work that gets done when everyone is working separately on different aspects of the business. So how do you find ways to come together and make sure the work is getting done and everyone has what they need? Listen to the full episode to hear their thoughts! Check out today's podcast sponsors: Holy Kakow: https://holykakow.com/ Cat & Cloud Coffee subscription: https://catandcloud.com/products/subscription Do you have a question you've been dying to ask us? Do you wanna hear us talk about it on the podcast? Visit our website catandcloud.com/podcast, or email us at podcast@catandcloud.com and tell us what it is, and maybe your question will be the one we answer next week! Instagram: https://www.instagram.com/catcloudcoffee/ Cat & Cloud: https://catandcloud.com/ Chris Baca's Personal Blog: https://chrisbaca.com/ We are Cat & Cloud Coffee. Started by three friends trying to pursue their passions, with Integrity and intentionally, and it's our mission to inspire connection, by creating memorable experiences. We're a small independent business and this is our story.

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We welcome former Writers Guild of America (West) president and current co-chair of the negotiating committee, David Goodman, who also happens to be the head writer for many of your favorite TV shows like “The Family Guy” to tell us why TV and movie writers are on strike. Then, grad students Sandra Oseguera and Jesus Gutierrez stop by to update us on their continuing fight to save the anthropology library at UC Berkeley, a battle that has wider implications for how more and more universities across the country are becoming corporatized. Plus, Ralph highlights some trenchant listener feedback.David A. Goodman has written for over 20 television series. His best-known work is as head writer and executive producer on Family Guy. He was the president of the Writer's Guild of America West from 2017 to 2021. In that capacity, Mr. Goodman led the Guild in a campaign to force the Hollywood talent agencies into adopting a new Code of Conduct to better serve the needs of their writers.  Today, he serves as co-chair of the WGA negotiating committee in their strike against the Alliance of Motion Picture and Television Producers.These companies that we work for are spending billions of dollars, making billions of dollars on the product that we create. And writers currently (many of them) can't afford to pay their rent. Can't afford to live in the cities where they're required to work. Need to take second jobs. Now, that's a very familiar situation in labor across this country. And what we're saying is if these companies are profitable… we need to fight.David Goodman, co-chair of the WGA negotiating committeeThe reason that our strike does have power is because America and the world relies on this product that we create. Those stories that we create are a connection, are a way for people to connect. And because of corporatization some people are losing sight of that, and hopefully this strike will bring them back.David Goodman, co-chair of the WGA negotiating committeeLet our listeners know that a lot of those programs that they watch on TV or listen to on the radio all over the country are written by the people who are on the picket lines and are pretty mercilessly exploited by the corporate titans that rake off the profits.Ralph NaderSandra Oseguera and Jesús Gutiérrez are graduate students in the Anthropology department at the University of California, Berkeley.  Earlier this year, campus administration announced their plan to close the Anthropology Library, one of only three dedicated Anthropology libraries in the US. In response, stakeholders including students and faculty have organized to demand that the Anthropology Library be protected and fully supported by the University.We truly disagree with the vision that the administration has for this university, and we believe that it can be different. That this can truly be a public university for students, underrepresented minorities, but also for the public. The public can come here—especially to our library— and be curious, collect knowledge, and have a refuge where they can find themselves in the shelves.Sandra OsegueraIt has been really inspiring to see our occupation space make our Anthropology Library into the space of encounter and transformation that it is supposed to be. The administration— and the press, to some degree initially— portrayed us as passively occupying, just sleeping and reading in the space. But the reality on the ground has been that the library has become an organizing space. Those of us who are occupying also gather, and then from there we fan out and make plans to go talk to our fellow students, make plans to go confront these core decision makers and hold them accountable for what they are doing to our education, what they are doing to these essential public resources.Jesús GutiérrezWe are not chasing symbolic wins. We want a fully functional library. That is what matters to us. And the overwhelming desire of the department, faculty, and grad students is to keep our library open.Sandra OsegueraDear Ralph Nader & Radio Hour Staff,I Hope that you and your families are all doing well. I look forward weekly to your Radio Hour via KPFA.org Mondays 11am-12pm.I was excited at the beginning of the hour that you were addressing the topic of sports in the U.S.A. By the end of the hour, I was extremely disappointed at the coverage. I have never been disappointed in the years listening to your radio show and otherwise.Neither the staff, your guest speaker, nor yourself, mentioned the state of affairs for women in sports, their unfair disadvantages, lack of equity in competing for sports funding from cradle to grave, competing for funding in infrastructure building of training centers, stadiums…, unfair medi coverage, and lastly focusing on the today's show coverage, girls and women's injuries, physical, psychological, whether she plays recreationally, professionally, or is not able to reach her potential due to discrimination against her gender, race, ethnic composition, language/cultural barrier, disability visible and non-visible. Shocking that you did not address sexual harassment, abuse, and rape of female athletes at all levels by coaches and male peers! As well as sexual abuse of boys and male athletes by male coaches and peers! Specially in the light of the well documented but short-lived media stories, selective amnesia, about the sexual abuse and rape of many Olympic gymnastics athletes by their team doctor!!!Concussions are very serious injuries in many sports including but not limited to: football, soccer, baseball, martial arts, boxing, gymnastics, skiing, skating, cycling, surfing, even running slipping and falling on ones head. Serious injuries in many sports are not exclusive to boys and men players! They are definitely not only prevalent in boys and men's football and baseball only! But as usual, girls and women are not mentioned even in one of the most progressive radio shows in the U.S!!! Shocking and infuriating!How many more centuries will it take for all of you to acknowledge, research, interview, respect, fund, divulge girl and women's issues, reality, financial inequity, needs, demands, and listen to Her-Story??!!I urge you to have an entire show on girl's and women's sports addressing the above points I wrote about and much more.FYI. I follow the news all day. I read papers and online, listen to the radio and follow it on TV. When the sports news section is on, I listen to the first couple of seconds. Undoubtedly and unfortunately, coverage always starts, ends and with boys and male sports and hardly ever over girls and women sports as if we don't exist and/or don't play sports at the same rate and intensity!!! Infuriating! So after a couple of seconds, I turn the medium off as a protest and because I can't bear not being represented!I am 67 years old and have been, until recently due to health challenges, a serious athlete and played a variety of sports since I was very young. I was born and grew up in Lebanon of a Palestinian athletic father who was a refugee in Lebanon, and an Argentinian artistic mother. I competed in swim competition in Beirut at the age of 9 and on. Started practicing Taekwondo-Do at age 12at the YMCA in Beirut. Practiced 7 days a week about 3-5 hours daily until age 19. I am the first Arab woman receiving a Black Belt in Martial Arts. I also taught Taekwondo-Do to men, women, and children At the YMCA and the AUB.At age 17 in Lebanon, I was SCUBA Certified by the Lebanese Gov't via the American University of Beirut's Biology Department and Diving Club.  At 19 I had to flee Lebanon due to the deadly and long civil war.In the U.S, among other things, I practiced Taekwondo-Do and Judo. Taught Kickboxing. Did skydiving, swimming, backpacking, camping, spinning, cycling, Tango dancing master classes, practiced and performed Dabkeh Palestinian folkloric dancing, and other sports and activities. When my son turned 10 and I turned 53, him and went on a 278 mile ride across California in 6 days, riding through the most spectacular California scenery, coast, high desert of Anza Borrego, sand dunes, pastures…under the hot sun, sand wind, and rain. The ride of a lifetime!I am writing, briefly, about my life and some of my accomplishments, to bring home to you that this herstory is one of billions that needs to be talked about every day, in all industries, and in all aspects of life and living. My story is different but not unique. Every action, gain, and defeat was earned by working more than double than white men in the U.S. and men in general in other parts of the world. I forge ahead against all odds: Ethnic and gender discrimination, gender and general violence, war, trauma, immigration, poverty, housing and food insecurity, divorce, single motherhood, injuries, chronic and degenerative disease.I urge you to pay attention, and not ignore 52% of the world population. We have the same feelings and get injured at the same rate as men. We are your mothers, grandmothers, sisters, relatives, girlfriends, friends, neighbors, teachers, coaches, doctors, farm workers, nationals including Native Americans, immigrants, refugees, asylum seekers, prisoners, governors, and hopefully soon president of an equitable and peaceful  U.S.A nationally and internationally.Sincerely,Randa BaramkiDear Ralph,I have to take issue with a few things Shanin Spector stated. I'll confine this comment to one: The advice that no lawyer can afford to take a $250,000 medical malpractice case and at least, implicitly, that elderly people are out of luck if they fall victim to medical malpractice (which is probably the largest demographic that are victims).Lawyers, even well-seasoned ones with profitable practices, can and do take risky malpractice cases for elderly people for a variety of reasons-even in venues where the jurors are instinctively in favor of local doctors. See, E.g., Cooper v. Hanson, 2010 MT 113, 234 P.3d 59. In fact, most trial lawyers--even good ones-- don't have the luxury of Cherry Picking only multi-million dollar cases. We take risks, which is why we are allowed to charge contingency fees.A medical malpractice case for an elderly person can be done profitably, although the lawyer is not going to get rich. Most jurisdictions have mechanisms to cut costs and streamline some of the proceedings, at least if you have a good judge. Depending on the facts, you could conduct the whole case for less than $100,000 in legal costs and at any rate, costs are the client's obligation if you win and should only be the lawyer's if he or she loses (Although some lawyers regrettably charge either way. Avoid them if that is what they do).Moreover, a general statement about pain and suffering damage caps on elder cases needs to be qualified for a variety of reasons. Loss of earning capacity may not be the driving generator of damages. It might be the medical costs and rehabilitation costs, which could run into the millions and hence, would generate millions in damages. Moreover, the presence and amount of caps varies from jurisdiction to jurisdiction. Washington, for instance, has no caps.I will agree that risks have to be considered. One has to make a back of the envelope determination if the firm, given its financial status, can take the risk. An expensive, complicated case of questionable liability probably could not be considered. On the other hand, a relatively straightforward case with relatively clear liability could be.A big factor is the seriousness the lawyer pays to his or her duty to perform pro bono work. You are supposed to take cases as part of your duty to the community. You don't always take cases--even risky cases-- to make the big bucks. At least, you should not.There are benefits other than getting paid a lot. An ambitious young lawyer with a limited practice, but good skills, might jump at the opportunity to go to trial (Though sad to say, many who call themselves trial lawyers do everything they can to stay out of the scary courtroom, but there are some serious trial lawyers too.).One thing, which was not touched upon, is that an elderly person who suffers the injuries of a medical mistake SHOULD NOT HAVE TO PAY ANYTHING FOR A CONSULTATION WITH A CONTINGENCY FEE LAWYER. THAT SERVICE IS FREE IN ALL CASES. As should be clear from the above, whether or not the lawyer can take the case depends on the facts and circumstances and there is no charge for telling the lawyer the facts.I know Mr. Spector qualified his advice near the end of the podcase, but judging from some of the listeners' questions, they got the impression that if you are old and injured by medical malpractice, you were out of luck. I think that impression needs refinement.Thanks for giving me this opportunity to present my little dissertation. I mean no disrespect to Mr. Spector, but I felt as if a more nuanced response would help your listeners.Erik Thueson Get full access to Ralph Nader Radio Hour at www.ralphnaderradiohour.com/subscribe

Thinking about putting your business on hold for the summer because your kids are home? I cover three things to ask yourself before you decide to hit pause.   And if you change your mind, and you want to grow your business while your kids are at home, I'm teaching a workshop about that >>> https://www.madeforgreatness.co/grow-your-business-with-kids-at-home/   I'm a Catholic business coach, creator of the Holy Spirit Business Planner. I help Catholic moms grow businesses from peace while raising kids.    Subscribe for more peace: https://bit.ly/3DrRQee    FREE Catholic Business Examen: ​​https://bit.ly/3UkuMEg    Just getting started? Catholic Launch to $10k: https://bit.ly/3BONAnW    Started but ready for consistent income? Society: https://bit.ly/3RSO41Q    Doing at least $100k/yr? Marian Mastermind: https://bit.ly/3LkaYgd    As a Catholic business coach, everything I do is to lead Catholic moms to the Holy Spirit so they can discern God's plan for their business.   Catholic Moms Made for Business Show iTunes: https://apple.co/3qRcyfP  YouTube: https://bit.ly/3djdx5s  Biz IG: https://www.instagram.com/sterlingjaquith

Started this week with the arrest, then release, of former Pakistan PM Imran Khan that caused riots all over the country. Then that crazy policeman who killed his colleague and then others at the Tunisia mosque. Plus yet another India air compressor rectal death, Brazil doctor rips baby's head off during birth, Chaos at US border, Nursing home allows naked vagrant to wander around, and a guy in the Czech Republic dies of electrocution while pleasuring himself with homemade anal toy; massager. Music: Good Riddance/"Dry Season"

Major averages closed lower to end the week, marking two straight negative weeks for the Dow and S&P 500. Crossmark's Bob Doll and GenTrust's Mimi Duff break down the week of action and look ahead to next. Anduril Industries ranked #7 in this year's CNBC Disruptor 50; founder Palmer Luckey talks all things defense, including the role of AI in the industry. Our Julia Boorstin takes a look at the possible impact Twitter's new CEO will have on its ad revenue. Perrigo CEO Murray Kessler on the FDA advisory panel voting to recommend the company's OTC birth control. Plus, three key stocks picks for your portfolio from Bruderman & Co.'s James Bruderman.

Steven was quite offended about what Andrea started doing in his house without asking! Leave a rating and review wherever you listen, it helps us out a lot! Also follow us on social @joeyandlaurenshow

#JuddzBudz Podcast Episode 65

Don't forget to subscribe, leave a rating and a 5-star review. If you leave a 5-star rating and review, send me an email info@blackrealestatedialogue.com and I'll send you a free training on finding and analyzing properties.Welcome to The Investor Spotlight! In this segment, we will feature a short clip from a previous episode. In this clip, Don Peebles & Victor MacFarlane (Episode 129) discuss how they got started in real estate development, challenges they faced on their journey and more. This is a clip you definitely want to hear. If you want to hear the full episode click here. Join the waitlist for my out of state investing coaching program hereShop our merch- https://blackrealestatedialogue.com/collections/allAccess all of our resources on our website- https://www.blackrealestatedialogue.com/links

Justin Richmond, host of the podcast Started from the Bottom and producer and co-host of the music podcast Broken Record along with Malcolm Gladwell and Def Jam co-founder Rick Rubin joins me on this episode. Justin was a producer for NPR's flagship program Morning Edition and its accompanying podcast, Up First, before becoming an arts reporter for NPR. He began his career as an intern for The Tavis Smiley Show and Smiley & West. Topics we cover in part 2 of 2 include the book that helped Justin discover himself, finding purpose, meeting Malcolm Gladwell for the first time, bringing Started from the Bottom to life, and more. Get connected with Justin: Facebook: https://www.facebook.com/justin.richmond.790 LinkedIn: https://www.linkedin.com/in/justin-richmond-716b597/ Twitter: https://twitter.com/itsjrichmond Instagram: https://www.instagram.com/itsjrichmond/  Leave a 5-star review with a comment on Apple Podcasts: https://podcasts.apple.com/us/podcast/business-minds-coffee-chat/id1539014324  Subscribe to my Business Builder Newsletter: https://bit.ly/32y0YxJ  Want to learn how you can work with me to gain more clarity, build a rock-solid foundation for your business, and achieve the results and success you deserve? Visit http://jayscherrbusinessconsulting.com/ and schedule a 1:1 discovery coaching call. Enjoy, thanks for listening, and please share with a friend! To your success, Jay

In today's episode I brought on Kelly Kussman, founder of Cayla Gray, a luxury and toxin free perfume & candle company, to have a really cool conversation around how it FEELS when you're starting a new business, the importance of getting in the room with women who are heading in same direction as you, the power of collaborating with other women in your community, and how the highs and lows of entrepreneurship can SERVE you. I think this conversation around listening to your gut and finding out what matters most to YOU, is going to be really inspiring! Snag your “empower” rollerball & candle: If you want to check out “EMPOWER” our BRAND new scent collab that just launched TODAY (May 11th) with Kelly from Cayla Gray. Also just a heads up we are anticipating a SELL OUT of both roll our non-toxic scents & non-toxic candle so if you're interested in snagging yours you can head to: https://caylagray.com/collections/empowerher or you can text “SCENT” to (512) 548-2728 & I can get some more deets! Connect with Kelly: On social media: Her personal IG: https://www.instagram.com/kelly_ward_kussman/ Cayla Gray's IG:  https://www.instagram.com/caylagrayco/ Read more about her story: https://caylagray.com/pages/our-story 

This week on the GUGcast, we geek out about the Street Fighter 6 open beta, a new Transformers animated movie, and discuss the shows affected by the writers' strike.     GAMING Street Fighter 6 open beta https://www.ign.com/articles/street-fighter-6-open-beta-announced-just-a-few-weeks-before-release?utm_campaign=trueAnthem%3A+Trending+Content&utm_medium=trueAnthem&utm_source=facebook   Midnight Suns canceled on switch https://gamerant.com/midnight-suns-nintendo-switch-canceled/     MOVIES New Transformers animated movie https://www.ign.com/articles/transformers-one-animated-movie-casts-chris-hemsworth-scarlett-johansson-and-more   Karl Urban to Play Johnny Cage https://www.polygon.com/23712476/mortal-kombat-2-movie-cast-johnny-cage-karl-urban   Hunger Games Ballad of Songbirds and Snakes Trailer https://www.youtube.com/watch?v=RDE6Uz73A7g   TV Twisted Metal Release Date https://www.ign.com/videos/twisted-metal-tv-show-arrives-this-july-first-teaser-released-ign-the-fix-entertainment https://www.youtube.com/watch?v=cYb_HFHJJHs   Vampire Survivors Getting TV Show https://www.ign.com/articles/vampire-survivors-getting-animated-tv-show     NEED PRAYER? geeksundergrace.com/prayer   MORE INFO Send us your questions! podcast@geeksundergrace.com For more Geeks Under Grace: http://www.geeksundergrace.com http://www.twitter.com/geeksundergrace http://www.twitch.tv/geeksundergrace https://geeksundergrace.com/give     For more Cody Armour: http://twitter.com/CodyArmour https://www.instagram.com/codyarmour/     For more Shelley Nollan: http://twitter.com/theshellshock24     For more L.J. Lowery: Lj.Lowery@geeksundergrace.com https://twitter.com/ljthepaladin

Today's episode features an interview with real estate investor, Al Curiel, who specializes in performing notes. The interview covers Al's background in real estate, his decision to focus on notes, and how he scales his note investing business.  -------------------------------------------------------------- Al's Real Estate Journey [00:01:03] Investing in Notes [00:03:33] Avatar and Mentorship Program [00:05:38] Building a Virtual Assistant System [00:08:29] Scaling with Trial and Error [00:10:08] Getting Meaningful Deal Flow in the Note Space [00:13:37] Buying Non-Performing Notes [00:16:58] Pricing Changes in Non-Performing Notes [00:19:17] Rehabbing Strategies for Non-Performing Notes [00:21:40] -------------------------------------------------------------- Connect with Al: Web: www.AssociatesinRealEstateHoldings.com Email: info@associatesandrealestateholdings.com   Connect with Sam: I love helping others place money outside of traditional investments that both diversify a strategy and provide solid predictable returns.     Facebook: https://www.facebook.com/HowtoscaleCRE/ LinkedIn: https://www.linkedin.com/in/samwilsonhowtoscalecre/ Email me → sam@brickeninvestmentgroup.com   SUBSCRIBE and LEAVE A RATING. Listen to How To Scale Commercial Real Estate Investing with Sam Wilson Apple Podcasts: https://podcasts.apple.com/us/podcast/how-to-scale-commercial-real-estate/id1539979234 Spotify: https://open.spotify.com/show/4m0NWYzSvznEIjRBFtCgEL?si=e10d8e039b99475f -------------------------------------------------------------- Want to read the full show notes of the episode? Check it out below: Al Curiel (00:00:00) - I don't want to be a process junkie, right? I, I do what I do best, which is raising capital, talking to customers, shaking hands, and kissing babies sort of thing. Um, the, the, the, the other stuff, the day-to-day grind, I lead to someone that is going to be managed by a supervisor that is going to give me results at the end of the day, at the end of the week, at the end of the month. And we compare those in a gigantic spreadsheet as to what our production goals are for that specific quarter.   Intro (00:00:28) - Welcome to the How to Scale commercial real Estate Show. Whether you are an active or passive investor, we'll teach you how to scale your real estate investing business into something big.   Sam Wilson (00:00:42) - Al Curiel is a real estate investor that focuses on performing notes, and he also has a mentorship program that focuses on investing in real estate using the power of meditation. Al, welcome to the show.   Al Curiel (00:00:53) - Thank you, Sam. Good to be here.   Sam Wilson (00:00:54) - Absolutely. Al the pleasures 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?   Al Curiel (00:01:03) - Started back in 19 90, 83 when I was, uh, 22 years old. Started with my first, uh, building, uh, it was a rental building, and, uh, I learned quickly that, uh, you need a whole lot more than just money to, uh, to succeed. And, um, my brother and I started the business. We, uh, survived through some of the corrections and, uh, eventually became wholesalers fixed and flippers, renters and all that stuff. And then finally in 2008, as a result of the waterfall from the 2008 debacle of the, uh, subprime market, we started focusing on performing and unperforming notes.   Sam Wilson (00:01:45) - Wow. So you've been in real estate. Gosh, you're going on four decades at this point. That's   Al Curiel (00:01:50) - Exactly right. I hate to admit it, Sam, but that's exactly right. .   Sam Wilson (00:01:53) - Hey, luck to you. Some people, some people don't make it that long, so, you know, there, there, there is that bright side to it. Um, but you've seen a lot. I mean, you've seen the savings in loan crisis. You've seen the.com bust. You've seen the oh eight crisis and now on, on the verge of who knows what right now, uh, just we see banks starting to collapse and things like that. So, I, I, I don't wanna dig in too far really into each of those sections. We just don't have time on the podcast. I'd love to hear kind of all the different things that you've done in that, but tell me why you do what you do now. I know we talked about this a little bit off air, and you kind of gave me some insight into the mess versus message or mess being your message sort of thing. So if you don't mind, give us some insight on that.   Al Curiel (00:02:36) - Not at all. I'll try to be as brief as, as I can, given the, the time constraints that we have, Sam. But basically what happened was I, being in, in so many markets and seeing so many adjustments, I couldn't tell, I didn't have a, a, a, a crystal ball to predict the future. But I certainly had a rear view mirror to see where he had been with, as you mentioned, the, the, the, the dark, uh, Monday of October 29th, 1989, that what happened in, with the doc, with the, uh, Y2K anticipation, with the savings and loans collapsing and, uh, now the 2008, nine and 10 issues with, with subprime markets, that made me realize that I was not gonna have time to recover from what I had seen in the past. So I decided to research for something else. And that's when I discovered that, uh, uh, the passive income that you realized from investing in performing and unperforming notes is where it's at.   Al Curiel (00:03:33) - Um, and that was a result of, of, again, what happened in 2008. Um, so they had, they had, they had the fallout of that mess still happening. Now you have Covid that happened in 2020. So we had a revival of that. You had the waterfall of 2008 that was still not resolved. The world stops, but commerce didn't stop. Commerce continued to work. So you had the supply supply chain issue. You had the perfect storm of covid and then the fallout of 2008. So what was gonna happen to all that inventory of, of properties? And the answer was in the banks inventory that were not being sold. So we did some research. My brother decided, you know, he's had a family, so he says he couldn't, he couldn't withstand the rigors of, and the stress of, of not having inventory to flip. So I, I did it along and, and, uh, I discovered that investing in notes was a lot easier than investing in, in fixed and flipping, because you can make money with a pen instead of swinging a hammer. Right. And that's what bedwin focus in for the last, uh, well now 10 years now.   Sam Wilson (00:04:40) - Wow. That's really, really cool. And are you buying just performing or performing and non-performing nodes?   Al Curiel (00:04:46) - We, yeah, we, we, we purchase a performing notes for our P portfolio. We pur we purchase those for our retirement. Hmm. Um, through your, through our, our Roth IRAs and the nonperforming notes, we rehab, we rehab them. Just like you can rehab a house, you can rehab a loan, right? Um, you can, you have three, three different ways of, of rehabbing, quote unquote a loan. And, uh, those we sell to our customers by way of partials. So let's just say, Sam, for instance, you have a, I bought, I buy a 30, 30 year loan from, let's just say Bank of America. Bank of America, send me a loan that is not performing. I buy it at a discount. I fixed it a little bit, and then I flip it to Sam. So outta that 30 year loan, I sell Sam 10 years. At the end of the 11th, uh, month, the 11th year, the, the note comes back to me.   Al Curiel (00:05:38) - So why do I do that? Two things. I share the risk with my customer and, uh, the customer gets the truly passive income that he wants for a certain period of time while he tries it out. If he likes it, he'll continue on with it. If he doesn't, we part company friends and everything is cool. So that's our mantra, that's our model. Um, my avatar, our personal avatar is as I, I told you before, the, the start of the show, uh, is somebody in, at or near retirement age that has three concerns. His health not of living his income and, uh, establishing a legacy for his descendants and his descendants. So that, that was my, that was my issue. So I figured that this is something that most people in my age group would, would probably want to hear about. And that's what we created the mentorship program.   Sam Wilson (00:06:27) - Yeah, I mean, cuz I, I can only imagine, you know, I think you shared, I don't know if you said your, your age here on the show, or you told me that beforehand, but either way, you know, you know who your avatar is and you know what their concerns are mm-hmm.  and I would imagine mm-hmm. , the, the, the note space is something that, like you said, you can, you can make money with a pen, not with a hammer. And the person in your, your avatar. That's, that's   Al Curiel (00:06:52) - I'm 62, Sam, I'm full disclosure. I'm 62. I'm not afraid to say it.   Sam Wilson (00:06:55) - You're not afraid to say it. Great. I didn't, I didn't wanna I didn't wanna, you know, air your dirty laundry. No, I'm joking. It's not dirty laundry , uh, here on the show. But I think that's a really powerful thing cuz you, you've defined who your avatar is and what it is that they need. And I think so many people haven't, especially as we are raising capital as we are doing deals, don't necessarily know who our investor base is necessarily. They haven't figured out what their areas of concern are, and then they can't appropriately bring a product necessarily to market that that particular person may need. Tell me, I I guess from a more, more, um, just just the nuts and bolts of what you do, how, how do you scale the node investing business?   Al Curiel (00:07:37) - We have, um, I, I reali initially it was just a one minute operation, right Sam, and then with the editor of my brother, after we, we decided that our spark company, because we ran out of inventories and we found ourselves empty handed after 89, after 2000, he just couldn't stand it. So he says, we have no inventory. What, what now Einstein? And I said, I says, I got a family, I gotta, I got offend him. He says, okay, God bless you. Go. So I had to be a one man operation, and as I started investing in it, it was, it was just me. But as I started to get more properties and I started raising more money and I started getting more investors, then I had to seek the services of virtual, uh, assistance. So now for that, I have specific, I have, I have, I have several, um, assistant firms that, that help me with different tasks.   Al Curiel (00:08:29) - I have an acquisitions manager, I have a sales manager, I have a due diligence manager, and then I have a sales manager. Those sales, and these are people that are in the Philippines and do some of my calling. Um, I have people in India that do some of my systems and social media management. And then I have people in Jamaica that do the actual negotiations, and the sales manager is there so that I hold everyone accountable. We have meetings every Tuesday afternoon. We, uh, we find where we were last year, how many leads came in, where we're at right now, how we are in raising money and where we go next month. So we have to keep everything in a journal. And I write, I mean, I dunno if you can see, but I got back here. I got journals that go back about 35 years of everything that I do every single day of my existence. I journal every day. I meditate every day, and I draft a plan of action for how my day is gonna shape out and how it ended up looking at the end of the day. So that's keep, that keeps me focused and allows me that flexibility and the latitude to pivot if I make changes to my scaling business.   Sam Wilson (00:09:36) - Wow, that's really, really cool. I, I, I would the, the building the system with that many, uh, or building your systems around virtual assistance, I think that's one, you know, you hear a VAs handling, you know, certain repetitive tasks, data mining mm-hmm. , you know, whatever it is. But scaling it the way you have done it, it's, it sounds pretty powerful. I mean, what are, what are some of the, what are some of the tips or maybe challenges that you faced when scaling with VAs and how did you overcome those? Because I think   Al Curiel (00:10:08) - It was, it was, it was a, it was a trial and error, uh, uh, enterprise, um, uh, Sam because you, I initially started with one individual and I thought this person was going to be the be all and all. And, and it's trial and error, Sam, because sometimes they don't work out. Sometimes they do. And so what I try to do is I try to keep them motivated and have three of everything. If I have, if I have a, a solid, lemme just give it, for instance, without getting too deep in the weeds and, and bore you to death. But basically, let's just say for my due diligence, I have someone that is, uh, I got hired somebody that is really good. And then, uh, through this other website that I, that I go for Upwork or, uh, assistant.com or something like that. I get a mediocre one and then one that is, it is okay, but it's a workforce by works when he or she wants, which is not really effective.   Al Curiel (00:11:02) - So I have three of those so that I'm constantly hiring. So if the, if the bad one falls off, then I have another bank of, of of VAs that I can pick from that is going to replace the not so good one with a mediocre one. Well then if the mediocre one in the middle falls off, then I have a, a, uh, the really good one to, to replace them. And I just keep con I continue to mix an experiment with their motivation with, with what, what Dr. Their why. You gotta find out your why. And then I let 'em, and then I let 'em go with, uh, with, with what they do, always keeping them on task and always having meetings to, to hold them accountable. It was really difficult, but we had the system down really good so that I know who I can call on what task on any given day. And when you motivate 'em like that, when you keep 'em on a, on a, I don't wanna say short leash, but it is a short leash, then you know what the ex they manage your expectations and you manage theirs.   Sam Wilson (00:12:01) - Right? No, I think that's super powerful. And that's, uh, I like the, the the doing things in in in duplicate or duplicate there where if some something isn't working out, you're not dead in the water because you've put all your eggs in one basket and, and they move, you know,   Al Curiel (00:12:17) - It, it, it, it is huge when you, you know, when you realize, I mean, and I'm paying these, these folks, uh, you know, nominal amounts by, by by us compare standards. But still, nevertheless, I need the activity. I need to continue to be out there. I I don't want to be a process junkie, right? I, I do what I do best, which is raising capital, talking to customers, shaking hands and kissing babies sort of thing. Um, the, the, the, the other stuff, the day-to-day grind, I lead to someone that is going to be managed by a supervisor that is going to give me results at the end of the day, at the end of the week, at the end of the month. And we compare those in a gigantic spreadsheet as to what our production goals are for that specific quarter. And we match those. And if we need to tweak it, we tweak it.   Sam Wilson (00:13:03) - That's really, really powerful. I love, I love the thought process behind that. And also just the idea that it's trial and error. I think. So oftentimes thank you. We get right the first time where it's like, okay, we're gonna do this and this is the way we're gonna do it. Whereas it's, it's probably more of an iterative process than we want, uh, want to admit. Let's, it   Al Curiel (00:13:20) - Usually is   Sam Wilson (00:13:20) - . Let's talk a little bit about deal flow. I mean, how, how do you, uh, when it comes to the scaling side of things, how do you get meaningful deal flow in the note space? Like, who sells 'em, who buys 'em? How do you get in front of sellers? It seems like an obscure market.   Al Curiel (00:13:37) - Yeah, it is a rather obscure market. Not many people know about it. It's a specialized niche that again, was, was found through trial and error and, and just investigating. And I'm one stubborn son of a gun. I, you know, the more you tell me you can't do something, then the more I'm gonna try and, and, and prove you wrong. So that's, that's part of my stuff. That's my makeup, that's my father's teachings. And, and, and us and, and what have you. He was an entrepreneur himself, so I don't give up easily. And so I decided to look as to, into what was the problem, getting inventory of houses to rehab in 2008 and through again, research and research. And I found out that banks and hedge funds have a specific asset managers that are tasked with getting rid of, of pro inventory, of notes that they don't want, that are not working, that are not performing, or that are performing.   Al Curiel (00:14:32) - And the bank and the hedge fund needs capital to redeploy to be able to lend for cars, uh, personal items, appliances, whatever, what have you. So I decided, let's just say for instance, one day I decided to call the Bank of America, of the world the asset manager or the Wells Fargo, uh, person of the world or at digital capital hedge fund on any given day. And say, Mr. Asset Manager, this is Al Curiel from the name of my firm, blah, blah, blah. Do you have any, uh, assets that you wish to get rid of this quarter? And initially, Sam, I'm not gonna, I'm not gonna sugar code. It, it was, it was a lot of rejection. They didn't know me from Adam, but I stayed consistent. I decided when it was a good time to call, I ne I decided, hmm, let, let's be smart here about this curio, I don't call on Monday.   Al Curiel (00:15:17) - I didn't call on Tuesday, I didn't call on Wednesday. I started to call them when the week was kind of dying down Thursday and Friday at two o'clock, they're more likely to pick up the phone. So I started establishing more dialogue. So after a, you established report, more dialogue, then one day, one day, Sam boom, I got an inventory of 20 non-performing loans. And lucky for me, I was able, I had capital that I had raced before that I was able to buy in bulk. So now I have a set of 20, 20 a list, or what they call a tape, I don't know what they call it, a tape. It's a spreadsheet of 20 loans. And they said, all right, pick whatever you want here and uh, if you want to buy 'em all, we'll give you a greater discount then buying on a per piece basis.   Al Curiel (00:16:03) - I, we'll sell you the case and you can sell 'em off by the bottom. I said, okay. So I, I had enough, I had enough of a discount built into it because we're still talking 2008 when you can get a hundred thousand dollars loan for $13,000. I was able to do that. I bought all 20 of 'em. I established a rapport with that company. All I need is five. All I need is five for the number of investors that I have. So I established rapport with another one and another one and another one. And that's how the scaling came about. I'm, I'm, I'm giving you the Reader's Digest version of it. It's this lot more that goes into it, Sam, but for our purposes, that's basically how it happened.   Sam Wilson (00:16:41) - That's, that's really, really fascinating cuz that, that was gonna be one of my questions was when you're dealing with Wells Fargo, bank of America, I mean they, I can't imagine that they'd wanna sell one at a time loans off. That's, that just seems just not, it's not the way they're gonna do business.   Al Curiel (00:16:58) - Correct. They don't, um, and they give you, when, when those asset managers, those asset managers are people like you and me, they get up in the morning, they have families they have to feed, and they have quotas to get rid of loans that they need to get rid of. And if they don't, there's hell to be paid, right? So, uh, it, it behooves them to work with as many investors and to show how these investor, how serious these fit investors are. So if they offer me a bulk of a, a a lot of twin 25, whatever, maybe commercial loans, I have to have enough backing meaning capital so that I can build my credibility, continue to keep that credibility so that, uh, the inventory keeps coming. So that's why on the, you have to anticipate, you have to plan how much money you're gonna raise before you approach these people.   Al Curiel (00:17:46) - And, and I'm just using the example of, of Bank of America, regional banks are very good for that. Regional banks sell assets that, that sweet, that sweet spot for us is anything between 25 and $120,000. Hmm. Right. That's our sweet spot. That, and you find those mostly in the Rust Bell states. Right? All right. It's hard for investors in New York and in California to re to get their minds wrapped around the low ban assets in those states. And I'm talking about Michigan, I'm talking about Indiana, I'm talking about Ohio, maybe some Georgia, maybe some South Carolina, and definitely some Texas. And so I can get an answer again, to give an example, to be very simple about it, a hundred thousand dollars loan that I can now I can, I can pick up for about maybe 40 cents on the dollar.   Sam Wilson (00:18:37) - Wow.   Al Curiel (00:18:38) - So, you know, when I, when I have these people in, in San Francisco, the investors in San Francisco were in mailbox is $150,000 . Right? I mean, they, you can see how there's like, oh, okay, well then I don't have to, I don't have to deal with toilets trash or non paying tenants. Right? I can be the owner, I can take the place of the bank, be the bank, right, and not worry about servicing anything. And I get the monthly income. All I get, all I get is a servicing company that is going to allocate your escrows your taxes and your insurance. And then the difference goes in Pocket National Bank every month.   Sam Wilson (00:19:17) - How th this is really fascinating. And I, and I love, uh, I love personally the, uh, non-performing note strategy. I think that's, that's, it's a great one. It's, it's where there's opportunity, I think still. And I'm, I'm invested as a passive investor, uh, in some other non-performing note funds. Even one I think's spaced outta your hometown there in Chicago. Um, okay. But, but the, how, I guess, how has that pricing changed? I know you mentioned before and you said maybe in 2008, like 10 to 20% maybe was the range that you were buying those on, and now you're saying it's, you can still pick up NPNs in the 40%.   Al Curiel (00:19:54) - 40%. Yeah. And the reason for that is because now, now that it's, now that the catch outta the back, so to speak, it's a sexy thing to invest in. Now most people are now finding out about non-performing notes, right? As you get more demand, the pr obviously the price goes up, right? So that's, uh, that's what happened. But with volume, with volume now you continue to have the discount. So I'm beginning to see those, it, it used to be 65 to 75% for non-performing known. Now they're, they're coming down to like 55, 45, 40, 40, 40 cents on a dollar. That's how I'm able to get 'em. Um, but initially in 2008 they were, because they were virtually unknown by anybody, right? Um, that this discounts were greater. But now with, with time or more invest investors being involved, more mentorship programs out there, more gurus teaching this kind of thing, it's become more of a, of a, of a, of a sexy thing to invest in.   Al Curiel (00:20:50) - And not as readily available as, as it was. But still, you can make very, very healthy, very healthy returns. And the, if I may share with the, with the group, what, what with your group, what, what some of those Strat rehabbing strategies are. Yeah. One is to modify the loan. Yep. Um, if, if you can modify the loan and, and if the person loses his job, person stops paying his mortgage for a variety of reasons, not the least of which is divorce, loss of a job, loss of some kind of loss of income, right? But they, they, they love the house. They, you know, they, you see flowers are on the flower bed and mama don't wanna move, right? She just wants to do whatever they want, whatever they need to do to make it. That's, that's number one thing. So you modify the loan, even though they get a job at a lesser paying thing, you can reduce the mortgage, you can reduce the interest rate, you can modify it, period.   Al Curiel (00:21:40) - The other thing is, if, if they, if they modify the loan and they are still not able to, um, to pay it, then I like to be really tough on the problem and soft on the people, Sam. So I say, why don't we part friends? You know, you've clearly you've been, we've tried this modification of the loan, you can't pay it. Um, I'll tell you what I'll do. I will not report those, those four or five months that you're behind to the credit bureau. I will back up the U-Haul. You put all your stuff in there, you leave the house just as clean as when Bank of America or Wells Fargo sold it to you when you got your loan. And upon inspection, if everything is, is copacetic, I'll drop you a check for a thousand dollars. You gimme the keys, you gimme the deed, and we're we're good. Right? That's,   Sam Wilson (00:22:26) - They avoid a foreclosure on the record that way.   Al Curiel (00:22:29) - It's a deed and lie. Exactly right. Cash for key de and lie. That's what they foreclosure. And there's no deficiencies that I de demand. So we all, we we leave in good. He's, he has a chance to start life, I knew. And the third thing, which is more, the more drastic, uh, uh, measure is, is foreclosure. Um, and that, for that, and that is the reason why I do not buy in judicial states. Judicial states like Illinois. I do not buy in my own backyard because in Illinois, foreclosing on somebody is gonna take me about 298 days. I can't afford that. Cuz I deal with the velocity of money with my investors. They can't sit there waiting for their money to be, to be, to be returned. Right? So I go to non-judicial states like again, Texas, um, uh, Michigan, Indiana, even though it's, it's traditional non-judicial, there's special ways that you can do to, to speed up the process. Georgia and one of the car Carolinas, that's where we focus our investments in. And, uh, so that's, that's how we are able to, to scale how you were to rehab the loans. And, um, if somebody's not paying, I'm taking it all the way to foreclosure, I can wait no more than 120 days.   Sam Wilson (00:23:37) - That's fantastic. Al I'm I, I got about 25 more questions for you. We're at the end of the show. This has been absolutely fascinating. I love your strategy. I love the way you do it. You've shared with us systems, you've shared with us the value of non-performing notes. You've shared with us the ability, a a and kind of the mindset behind finding who your investor avatar is and how you solve their problems. If our listeners wanna get in touch with you or learn more about you, or maybe even the notes that you guys are working on right now, what is the best way to do that?   Al Curiel (00:24:05) - You can contact, uh, our website. You take a look at our website, it's Associates and real estate holdings.com. I know it's a long one, but it's Associates and Real estate holdings.com. Or you can, uh, uh, get a, on our, our list, it's info at associates and real estate holdings.com, we're gonna have our, our our first, uh, three day, uh, event coming up at the end of of May. So if anybody wants to get details, they can find 'em at info.   Sam Wilson (00:24:32) - Fantastic. We'll make sure we include that all there in the show notes. Al thank you again for coming on the show today. I do appreciate it,   Al Curiel (00:24:38) - Sam. Take care.   Sam Wilson (00:24:40) - Hey, thanks for listening to the How to Scale Commercial Real Estate podcast. If you can, do me a favor and subscribe and leave us a review on Apple Podcast, Spotify, Google Podcast, whatever platform it is you use to listen. If you can do that for us, that would be a fantastic help to the show. It helps us both attract new listeners as well as rank higher on those directories. So appreciate you listening. Thanks so much and hope to catch you on the next episode.  

On today's episode, we discuss how we should feel about Amazon's online sales being flat, how its ad business was able to have such a good quarter, and why the company has yet to find a mass grocery format worth expanding. "In Other News," we talk about how Pinterest has been doing and just how popular self-checkout is. Tune in to the discussion with our analyst Blake Droesch.   Follow us on Instagram at:  https://www.instagram.com/behindthenumbers_podcast/   For sponsorship opportunities contact us: advertising@insiderintelligence.com For more information visit: https://www.insiderintelligence.com/contact/advertise/ Have questions or just want to say hi? Drop us a line at podcast@emarketer.com    For a transcript of this episode click here:  https://content-na1.emarketer.com/podcast-daily-amazon-about-hit-throttle-again-how-pinterest-started-2023-how-popular-self-checkout?_gl=1*1w7e9u2*_ga*MTc1OTI2OTQ5LjE2NzEwNzIyNDA.*_ga_XXYLHB9SXG*MTY4Mzc1MDkzNi43NS4xLjE2ODM3NTA5MzcuMC4wLjA.   © 2023 Insider Intelligence    InMobi is a leading provider of content, monetization, and marketing technologies that help fuel growth for industries around the world. The company's end-to-end advertising software platform, connected content and commerce experiences activate audiences, drive real connections, and diversify revenue for businesses globally. With deep expertise and unique reach in mobile, InMobi is a trusted and transparent technology partner for marketers, content creators and businesses of all kinds.  

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