Podcasts about T12

England VI sprinter Zac Shaw won gold in the men's T12 100 m at the Commonwealth Games Glasgow 2026.Amelia spoke to him just after the race.Image shows the RNIB Connect Radio logo. On a white and black background ‘RNIB' written in bold black capital letters and underline with a bold pink line. Underneath the line: ‘Connect Radio' is written in black in a smaller font. 

In this podcast episode of Calibrate: a Real Estate Podcast, Kyle Malnati invited Scott Ratthbun back for a 3rd episode but this time as a keynote speaker before a live audience at a Mastermind Event for top Real Estate Agents in Colorado. Scott Rathbun is the President and Owner of Apartment Appraisers and Consultants (AA&C) . He discusses the current state of the housing market (both for sale and multifamily rentals) in the Denver Metro Area. This episode provides valuable insights and data-driven analysis for real estate professionals and decision-makers in the Denver Metro Area, as they navigate the current market conditions and plan for the future. Here are key takeaways: Vacancy decreased 115 basis points (bps), from 7.47% last quarter to 6.32%, down 7 bps YoY. Overall vacancy (including properties in lease-up) decreased 147 bps during the quarter to 9.46% and down 142 bps YoY. Absorption of conventional apartments increased from 2,783 units in 1Q 2026 to 6,760 units in 2Q 2026. The T12 absorption increased to 14,220 units, the highest T12 figure in the 22-year history of our survey. The demand for apartments remains high due to the increasing unaffordability of homeownership, leading to a delay in the transition from renting to owning.  The apartment market has been overbuilt in year's past, resulting in rising vacancy rates and the need for landlords to offer significant concessions to attract tenants. These concessions are showing to be improving absorption and vacancy rates, but concessions still remain high.  Check out our last episode with Scott HERE: http://bit.ly/4pJhYqS  

A Special Industry Update, With Jason Diamond and Mindy Diamond Jason and Mindy Diamond revisit how advisor due diligence is evolving—from AI and enterprise value to firm stability, ownership, and optionality—and why those questions matter more than ever. In Summary Due diligence has always been about finding the right fit. But what advisors are evaluating has expanded considerably. In this replay of an Industry Update, Jason Diamond and Mindy Diamond revisit The Advisor Transition Playbook to explore how advisor priorities continue to evolve. Beyond the traditional reasons advisors consider change, they discuss newer factors shaping decisions today—from artificial intelligence and enterprise value to ownership structure, firm stability, and long-term optionality. The conversation reinforces that while every advisor's motivations are personal, the evaluation process has become far more strategic. Today's advisors aren't simply comparing recruiting deals or platforms. They're considering how today's decisions may influence the value, flexibility, and future of the businesses they're building. The Storyline For years, advisor movement was largely driven by familiar themes: bureaucracy, management changes, technology frustrations, and the desire for greater independence. Those factors remain important. But the conversations Diamond Consultants has with advisors today increasingly include questions that rarely surfaced just a few years ago. How should AI factor into firm selection? What is the long-term value of building enterprise value instead of simply maximizing a recruiting package? How important is a firm's ownership structure? And how should advisors think about stability in a marketplace where acquisitions, recapitalizations, and private equity investment have become commonplace? Jason and Mindy revisit the transition framework introduced in Part 1, focusing less on the mechanics of making a move and more on the evolving criteria advisors are using to evaluate their options. The result is a broader discussion about due diligence—not simply as a transition exercise, but as an ongoing strategic process for advisors seeking to build their best business life. Topics Covered Advisor due diligence Traditional vs. emerging drivers of advisor movement Artificial intelligence in wealth management Enterprise value and advisor ownership Recruiting deals versus long-term economics Reverse due diligence Firm ownership and stability Private equity in wealth management Advisor optionality Building a long-term advisory business Blubrry Player > Download a transcript of this episode… Listen and Learn Highlights for Advisors Why are the traditional drivers of advisor movement still relevant? (4:00) Jason and Mindy revisit the longstanding push-and-pull factors that continue to influence advisor decisions, from bureaucracy and management frustrations to the desire for greater ownership and control. How has AI become part of the due diligence process? (13:50) The discussion explores why advisors increasingly expect firms to demonstrate a clear AI strategy—and why investment, integration, and vision may become meaningful competitive advantages. Why should advisors care about enterprise value, even if they don't technically own their business? (24:30) Jason and Mindy explain why more advisors are evaluating decisions through the lens of long-term business value rather than solely short-term economics. What does reverse due diligence really involve? (37:15) The conversation highlights why advisors should evaluate prospective firms with the same rigor firms use when evaluating advisors. How does firm ownership affect advisor optionality? (38:00) Private equity, acquisitions, and changing ownership structures have made it increasingly important to understand what happens if a firm's strategy changes after an advisor joins. Why has due diligence become more strategic than ever? (45:30) The episode concludes with a broader discussion about defining one's “best business life” and making decisions that align with long-term goals rather than reacting to short-term frustrations. Key Takeaways The reasons advisors evaluate change have expanded well beyond traditional frustrations such as bureaucracy and compensation. AI has become an increasingly important component of firm evaluation, not because it replaces advisors, but because it can enhance productivity and client service. Enterprise value is becoming a consideration even for advisors who currently work within employee models. Reverse due diligence is just as important as a firm's evaluation of an advisor, particularly when assessing ownership structure, capitalization, and long-term stability. The most effective transition decisions balance immediate economics with long-term flexibility, ownership, and optionality. Every advisor's definition of success is different, making clarity around personal goals the foundation of any due diligence process. https://youtu.be/WZbUZJZK1yc Quotable Moments “Every advisor deserves to live their best business life.” “Just because you're frustrated doesn't mean you should move. You need something worth moving toward.” “The question isn't simply what you're paid today. It's what you're building over time.” “Knowledge is power. Understanding what your business is worth should be part of every advisor's decision-making process.” FAQs Why are more advisors expanding their due diligence beyond compensation? While transition economics remain important, advisors are increasingly evaluating technology, AI capabilities, enterprise value, ownership opportunities, and long-term flexibility as part of the decision-making process. How should advisors evaluate a firm's AI strategy? Rather than looking for finished products, advisors should assess whether a firm has a clear vision, meaningful investment, and an integrated approach to using AI to improve advisor productivity and client experience. What is reverse due diligence? Reverse due diligence is the process of evaluating a prospective firm as thoroughly as the firm evaluates the advisor. It includes understanding ownership structure, financial stability, culture, technology, leadership, and long-term strategy. Why does enterprise value matter for employee advisors? Even advisors who do not currently own their businesses may benefit from understanding how different business models create opportunities for ownership, long-term value creation, and future monetization. How has private equity changed advisor due diligence? Private equity has introduced new opportunities for growth and capital, but it has also made it more important for advisors to understand ownership structures, investment horizons, and what future transactions could mean for their business. What does Diamond Consultants mean by an advisor's “best business life”? It refers to aligning an advisor's business model, goals, client experience, compensation, flexibility, and long-term vision in a way that best supports both the advisor and the clients they serve. While transition economics remain important, advisors are increasingly evaluating technology, AI capabilities, enterprise value, ownership opportunities, and long-term flexibility as part of the decision-making process. Rather than looking for finished products, advisors should assess whether a firm has a clear vision, meaningful investment, and an integrated approach to using AI to improve advisor productivity and client experience. Reverse due diligence is the process of evaluating a prospective firm as thoroughly as the firm evaluates the advisor. It includes understanding ownership structure, financial stability, culture, technology, leadership, and long-term strategy. Even advisors who do not currently own their businesses may benefit from understanding how different business models create opportunities for ownership, long-term value creation, and future monetization. Private equity has introduced new opportunities for growth and capital, but it has also made it more important for advisors to understand ownership structures, investment horizons, and what future transactions could mean for their business. It refers to aligning an advisor's business model, goals, client experience, compensation, flexibility, and long-term vision in a way that best supports both the advisor and the clients they serve. NOTE: The views and opinions expressed by the guests on this podcast are their own and do not necessarily reflect the views and opinions of Diamond Consultants. Neither Diamond Consultants nor the guests on this podcast are compensated in any way for their participation. Related Resources The Advisor Transition Playbook: The Latest on Due Diligence, the Move, and Everything In Between – Part 1 Annual Advisor Transition Report Top 10 Tips for a Strategic Due Diligence Process Should I Stay or Should I Go? View the transcript of this episode… The Advisor Transition Playbook: The Latest on Due Diligence, the Move, and Everything In Between – Part 2 A Special Industry Update with Jason Diamond and Mindy Diamond. Jason Diamond: Welcome to a replay of one of the most popular episodes from our podcast series for financial advisors, The Advisor Transition Playbook: The Latest on Due Diligence, the Move, and Everything In Between. It's Part 2 of a 2-Part Industry Update with Mindy Diamond. I’m Jason Diamond and this is the Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven and based on building relationships, starting as your strategic partner, well before you’re even thinking of a move. To schedule a confidential conversation, call us at 908-879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our Annual Advisor Transition Report. It’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Jason Diamond: There’s been a noticeable shift in how advisors are approaching decisions about their business, not necessarily in whether they’re exploring change, but in what they’re focused on when they do. Mindy is back with me for a continuation of our earlier conversation on the Advisor Transition Playbook. Last time, we spent time on the mechanics, how due diligence works, what a move actually entails, and how to think through the process. What’s become more apparent since then is that the inputs into that process are evolving. The traditional drivers are still there, but layered on top are a set of considerations that didn’t carry the same weight before. AI is one of them, and not just as a tool, but as a differentiator that advisors are starting to diligence more seriously. Enterprise value is another. Showing up in conversations, even for advisors who don’t technically own their business, but are thinking more critically about what they’re building over time. And then there are questions around stability, ownership, and flexibility. What happens to the firm itself and whether advisors retain the ability to adapt again if circumstances change. None of this is theoretical. It’s showing up in real time conversations. What we want to do here is unpack those new triggers of advisor movement and what they suggest about how decisions are being made today. So let’s get to it. Mindy, the legend, thank you for joining me. So glad to have you on. Mindy Diamond: Thank you. I’m so happy to be here. Jason Diamond: Great. Let’s dive right in. I’ll set the stage really quickly one more time. When we spoke about this topic last, we talked about the drivers of movement, what we’ll call in this conversation as the old or the legacy drivers of movement, and we spoke about the mechanics of the move. Before we get into the new drivers of movement, which I want to be the meat of the conversation, remind us, when we talk about the legacy drivers of movement …. And by the way, by saying legacy, I by no means want to suggest that they’re not valid today, because they’re equally valid, if not more so today than they were then. But when you think of the classic drivers of movement in our industry, what are they? Mindy Diamond: Yeah. So I would say, first of all, let’s start by saying that for every advisor, they’ve got a unique set of needs. So the first thing to say is that while you and I can talk about the categories of frustrations or things that might bother an advisor, they show up differently in each advisor’s life. So it’s important to note that everyone is unique. But generally speaking, if I had to package them, I’d say it’s number one that shows up most of the time is too much bureaucracy. A feeling that a firm or a model is just too hypervigilant in terms of compliance and it’s too bureaucratic and too hard to get things done. Number two would be some sort of change in or frustration with management. Something is going on that the person or persons that are responsible for managing the business are just not … They’re not the wind at their back. They’re obstreperous. They’re causing difficulty and frustration. And probably the third one would be less about a pain point and more about the desire to be something that they couldn’t where they were. The notion that they want to be more independent, they want to be a business owner and they just can’t do that. That doesn’t exist within the model where they work. Those probably have been the three ones top of mind, but I bet you’ll have some … You’ll add to that. Jason Diamond: I’ll add a couple. But before I do, I’ve heard you talk about this topic, maybe said another way as pushes and pulls. Can you explain what you mean by that? Mindy Diamond: Yeah. So I think that we think about the pushes, the frustrations, the things pushing somebody out the door, the factors that make it less easy or less fluid to do business. And there’s almost always pushes that exist when somebody comes to us, where they’re frustrated to some degree or another about certain things. But we tell people all the time that just to be frustrated should never be enough, because if all you’re doing is running from one set of problems, you’re very likely to run into maybe a different set, but still problems elsewhere. So a move needs to be driven in equal part, if not more, by pulls. Being pulled toward an opportunity that can be needle moving enough or better enough than where you are now. Pushes and pull. Jason Diamond: I love it. So let me ask you a little bit of a pointed question. Is a recruiting deal a valid pull factor? Mindy Diamond: So look, it’s different for every person. We’ve had advisors come and say, “I just went through a divorce and the most important thing to me is to recapitalize. And so a recruiting deal is really important.” And while I would never be one to say that’s not valid, it can be … And by the way, any advisor should want to and expect to better their financial situation. There should be economic gain. But it shouldn’t be the only or the primary reason for the move. So you want to monetize. The notion of wanting to monetize in the short term should be a factor in what model you pick, but it shouldn’t be the primary driver for a move. Jason Diamond: I agree with that wholeheartedly. I was going to say something I think maybe would’ve surprised you a little, which is like, yeah, I think recruiting deal is a very valid pull factor because what we’re saying is, it shouldn’t be the only pull factor. And sometimes it is and it makes us a little bit sad, I think, when that’s the case. But all of these factors you mentioned, and the ones I would add, I think that maybe technology would be another kind of factor that drives movement, all of these factors are not one specific reason. If you did the exit interview, either actually conducted the exit interview with advisors or thought exercise exit interview, I think they would point to a confluence of all of these factors. Compliance was a headache. I wanted to launch a podcast. I wanted to be able to send a timely communication to my clients. We used to hear that one during COVID a lot, right? By the time compliance approved something to send to clients, it was already stale. So do you agree with that, that it’s generally a confluence or a combination of these? Or in your experience, is it advisors are like, “No, compliance or the tech is so bad, I’m out”? Mindy Diamond: Yeah. So most often there’s a straw that breaks the camel’s back incident or thing where they’re willing to put up with a series of minor paper cuts, if you will. And then almost always there’s something that happens. You and I got a call the other day from a team that said that they had split from their partner and the management of the firm was favoring the ex-partner, making it harder for them to stay or making it less fun or feel good for them to stay. So while they gave me a laundry list of things that were imperfect, I don’t know that any one of the things that were imperfect up until then would’ve been enough to drive them out. But when that one thing, that feeling that they were a second class citizen came up, that was the straw that breaks the camel’s back and went from a minorly frustrated to, “I’m out of here.” Jason Diamond: Yeah. And there’s probably a hundred examples you could walk us through. And I wanted to just highlight too, this concept is not limited to the wirehouse or employee or captive firm world, this is equally relevant for independent advisors. Granted, some of the pushes and pull factors, some of the triggers are not necessarily the same, but the idea that advisors outgrow a broker dealer or an RIA or either need or want or desire in some way, shape or form, greater autonomy, flexibility, freedom, control is certainly not limited to the employee space. I just wanted to make that point. Mindy Diamond: And I think that’s absolutely right. I think the notion of that frustrations or limitations or bureaucracy only existed if you were a W2 employee at a bulge bracket firm. That went out the window. As the industry landscape has expanded and there’s more and more valid ways to be a financial advisor, there’s more and more ways for a firm or a model or an infrastructure to frustrate an advisor. And that’s not being overly negative. It’s just to say there is no perfection anywhere. Jason Diamond: Yeah, 100%. And by the way, to play a little bit of devil’s advocate on that, and then we’ll move on, I would just say there are pain points that might come from a firm being small and subscale as well. My firm doesn’t have efficient technology. They don’t invest enough in the business. They don’t provide a lead mechanism. They don’t have a robust banking and lending or investment solutions platform. So this stuff cuts both ways. An advisor can be frustrated or limited and an advisor can be excited. Pushes and pulls I think touch on, we’ve heard from advisors in every single pocket of the market, this is a relevant concept. Mindy Diamond: The theme of this is that every advisor deserves to live their best business life. That’s what people are in search of when they reach out to us or when they engage with us. What they’re looking for more than anything, and this is irrespective of where they work or how long they’ve worked or how much they manage, every advisor is in search of their best business life. And what defines their best business life is having the best quality of work life, but also the best ability to do what they want to do with their business, to serve their clients without limitations, to grow the way they want, to be paid a fair wage, and ultimately set up to maximize the value of the business they’ve built. Those are the definitions of one’s best business life. Jason Diamond: I used an even simpler definition of best business life and I stole it from you, which is the true north concept, which is if your true north is maximizing enterprise value and chasing the dollar and trying to build something that’s scalable and saleable, then great. If your true north is to build a lifestyle practice, there’s plenty of advisors who are successful and happy and content in that regard as well. And I think that’s what we’re talking about, is finding your true north and then it’s possible. I mean, that’s the beauty of the landscape. We’re talking about this, a lot of this is pain points or things that advisors experience. The exciting part of this is there’s never been a better time to be an advisor because of the breadth of choice they have and the ecosystem that’s been born to support advisors, to your point, across the spectrum. Mindy Diamond: Yeah. And it’s also, I think, worth saying that it starts with really good crystal clear clarity around not only what’s frustrating you, but what you want ideal to look like. Because I can’t tell you, or I can tell you because … I can’t tell our listeners, I can’t stress enough how often we get calls from advisors that tell us where they think they want to be or tell us they want to move. They have clarity about what’s frustrating them or what they want to change, but they don’t really have clarity about what they want it to look like. And the less clarity you have, the less likely you are to be successful in finding the exact right solution. So our work, the thing we probably do best is really work with advisors to help them. It doesn’t take long. In an hour conversation, we can help them to really get crystal clear on what they’re looking to solve for. Jason Diamond: Absolutely. All right. Great appetizer. We set the table. Let’s dive into the main course now. I want to talk now about what I’m calling the 2.0 triggers or the new triggers of movement. And to be clear, it’s not that these are more important or better or more significant drivers of movement. In fact, you could argue they’re probably at present less significant than the ones we just listed. But I think what we’re saying is these are triggers that are starting to come up more and more in conversations and we expect them to only proliferate further. And in that regard, they’re noteworthy and important for advisors because advisors should be reconciling not just what are the things I need to be worrying about today, but also what are the things I need to be potentially worrying about five years from now. So with that in mind, let’s dive in. I think the first one we have to start with is AI. And I always chuckle a tiny bit when we mention AI, we used to have to specify what are we talking about. Are we talking about artificial intelligence or alternative investments? And now it’s very clear. Everybody knows we’re talking about artificial intelligence. So the direction of the industry, no over-dramatization to say is at stake here. It’s that important of a topic. Let me ask you just very simply first, is this coming up in conversations with advisors? Mindy Diamond: Oh, all the time, but it’s almost table stakes. So I think the way it comes up is that people assume, advisors assume, and by the way, have the right to assume that AI is part of the tech stack. The notion that if I’m evaluating a firm and part of what frustrates me or part of what’s really important to me is cutting edge, really robust technology, part of what I am expecting is that a new firm is going to have really robust technology. And part of that is really robust access to AI. And has honed the AI in a way that’s user-friendly, that really answers or delivers on making me a better … Not replacing me as an advisor, but making me a better, more efficient advisor. Jason Diamond: 100%. And I would also add, so as I think about this AI topic, I don’t want this to become a conversation around, is AI going to replace advisors, because I think we both agree that’s not going to be the case. Especially at the top end of the market for quality advisors, I think they’re not going anywhere. But in my view, when we think about the trigger of movement, AI has the potential to be transformative because a couple kind of use cases or trigger cases come to mind, and I’d love to hear your thoughts. One is, do you think advisors will potentially consider a move because they’re worried about this? So in other words, play this logic out with me. I’m 55 years old and I’m like, “Oh man, AI might be coming from my job.” And there’s firms offering 400% of revenue to move my book. Maybe I should take that check and kind of de-risk and monetize while I can. What are your thoughts on that? Mindy Diamond: I absolutely think we’re already working with that fall into that category, but to say that is the only reason for the move would be wrong. I’m grateful that people trust us enough to be transparent with us. So they let us know that underneath the notion that they want to better serve clients, they ultimately want better access to A, B, and C, they want to be able to do D, E and F with less restriction, is really the main reason for the move. But underneath it, the notion that my book, I want to protect myself. My book may well be the biggest it’s ever going to be. It is going to be worth more today than it could be in the future if things don’t go my way. And if I know I’m going to move and one of my goals is to monetize, I might want to do that now. Jason Diamond: I agree. And that’s where the top deal story comes in also. Firms paying a top deal is a part of that story. It’s what you just said, plus advisors know firms are willing to pay incredible multiples. I mean, as we speak, UBS is in market with one of the largest deals in history. So those two narratives side by side, I agree. I think this becomes more of a kind of catalyst or driver movement. It’s come up in my conversations on both sides of the spectrum. It’s the tech savvy, AI savvy advisors who are excited about this, who are like, “I want to be the most AI enabled version of myself I can be. It’s going to make me a rockstar and it’s going to widen the gap with my peers,” but it’s also come up with the people who are, I think, rightly scared and fearful about what this might mean for their job. Mindy Diamond: Let me ask you, what are examples of the way you’ve seen some of the best firms who have embraced AI? What is their narrative? What is it that they’re saying to advisors that if you come here from a tech or AI perspective, you’ll be better because we’re able to do … Fill in the blank. Jason Diamond: Yeah. So a couple that come up. First of all, I want to make the important point. Advisors do not expect that firms, either their current firm or firms that they are diligencing prospectively, have this figured out or solved. Everybody understands this is a fairly new area that firms are still very much kind of developing their strategies in. What advisors want to see is a few things. They want to see though leadership, they want to see investment, and they want to see a strategy, right? Effectively, they want to see a step in the right direction, really. So I’ll give you a couple examples. There are a number of tech savvy RIAs, very tech-enabled, AI-focused RIAs, because I think this is easier to be nimble. I think where you’ll see this quicker probably is in the independent space. That what they’re doing is things like this. An advisor logs on to their workstation in the morning and their system queues them proactively, Mr. and Mrs. Smith may be good candidates for a Roth IRA conversion. And then if the advisor decides to contact the client in some way about it, the system will of course help them draft the communication, but then it’ll take it a step further and actually help them to process and transact that conversion. So soup to nuts, ultimately driving efficiency. That’s the name of the game. That’s why firms, I think, are excited about AI, at least the good firms. Because what I think they realize it will do is, the stuff that’s a waste of time that could be automated that advisors, and probably even more so their associates, client associates are spending time on, that should be a massive time saver for advisors. And I think if you play that story out, what does that mean? It should mean bigger books of business and therefore more productive advisors because they have more time to prospect and focus on their clients. Thoughts? Mindy Diamond: Yeah. So I think you said it perfectly, but it raises the question then. You say that the RIAs can be more nimble. You’re right. I mean, the big story around the biggest firms was like moving a battleship, it takes a long time to turn it. It’s not as nimble. So what and how are the bigger firms competing against the RIAs with respect to AI? And second question, we still always get questions, and rightly so, about Morgan Stanley has more money to invest… Jason Diamond: That was going to be part of my answer. Mindy Diamond: … than fill in the blank RIA. So how does that all work? Jason Diamond: That is absolutely going to be part of my answer, is that I have heard this question posed almost presumptively both ways. “Oh, it’s got to be that the RIAs are going to be the clear winners in this.” And I’ve also heard, “Oh, it’s got to be that the wirehouses are going to be the clear winners in this.” I don’t think it’s going to be channel specific like that. I think it is going to be firm specific. I think there’s going to be firms that are going to do this well and firms that are going to not do this well. But there’s going to be winners in the wirehouse space. There’s going to be winners in the regional firm space, with firms like Raymond James who are clearly trying to be on the cutting edge of this. There’s certainly going to be winners in the broker-dealer space. LPL is investing heavily in this, as are many of their broker-dealer competitors. And then of course the RIA space, where sometimes they may not have the budgets, but they have a couple things. They have private equity backing, sometimes. They have the custodians that they’re built on, right, or the tech vendors that they’re built on. So Schwab and Fidelity or Orion and Addepar. They have other ways to access these innovations. One of the things that comes up with this that your question I think gets at is, a similar question that was raised around technology stacks, which is strength of offering versus integration. And that’s where I think a firm like Morgan Stanley really will shine, is they should … Because they don’t put anything out that’s not well integrated. The big firms have generally done a pretty good job of that. Versus the RIAs. Sometimes we’ve heard feedback where, yes, you have access to you name it, right? You dream it up, you can go and buy it. But the left hand may not speak to the right hand quite as well. Mindy Diamond: Yeah, that’s actually a really good point. And integration is probably one of the biggest … If you ask an advisor when they talk about technology as either being one of their pushes or pulls, probably what they’re referring to more than anything is not only having the capability, but having the integrated capability. So that’s a great point. And I think your point is right, that the final chapter on this has not been written. Nobody thinks that it has. And so whatever answers you and I can talk about today about who’s winning this race, or this tech race or this AI race, will be totally different tomorrow. We all know that. But I think for purposes of this conversation, to say that an advisor having an expectation that their technology be outstanding and that AI be on the table, that a firm is embracing it and heading in the right direction, if you will, has the right thought leadership and the right willingness to invest in it is what advisors are really looking for right now. Jason Diamond: Absolutely. And this is a question too from the firm’s perspective, if you are a firm of any size, you must be able to answer that. This has become question 1A. And again, I don’t mean to suggest that I think AI is the number one most important factor driving advisor movement today. It very well might be at some point down the road. I don’t think we’re there yet. But I do think it’s the topic du jour or the hot topic, where every advisor is asking about this. So that means if you’re a firm, you need to be prepared to tell the story or at least have the vision. And I think what we’re hearing from both advisors and from firms is this, AI is going to … What is right now a gap between the good and the bad, the quality and the non, is going to become an absolute chasm, right? An absolutely mountainous gap between the best firms and the firms who are able to adapt this technology or this AI. And the same thing at the advisor level, between the AI-enabled superpowered advisor versus those who are in the dinosaur ages, for lack of a better term. Mindy Diamond: Yeah. And we’ll move on, but it is worth saying that the day of the standalone independent, the one man or one woman band who hangs out a shingle, and to use your term, running a lifestyle practice, nothing wrong with that, but it would be near impossible to imagine a world where a standalone independent can compete with a private-equity-backed RIA or an RIA that has a big pool of capital behind them or to compete with the major firms. And our point is the ability to compete is probably more important with respect to this topic than just about any other. Jason Diamond: Totally agree. Thank you for tying a bow on that because I think that’s a good place to leave the AI topic, at least for now. I’m certain we’ll have more to say on this one. By the time we release this episode, we’ll probably have more to say on it. So we’ll have to do a follow-up again. But I want to talk now about enterprise value. And this is one where if you’re an RIA or if you’re an advisor at an independent firm, this might sound like a duh, but hear me out on this one. The idea is as follows, if I’m a wirehouse advisor or any sort of captive advisor, I don’t technically own anything. Agree? Mindy Diamond: Agreed. Jason Diamond: Okay. So if that’s true, that I don’t technically own anything, I technically don’t have any sort of enterprise value or ability to monetize. But my premise here and why I would argue that enterprise value has become a driver of movement is even wirehouse advisors know … They see teams like OpenArc, a massive RIA that launched last year. They see their corner office peers breaking away, starting independent firms. They see them selling to asset managers, private-equity-backed RIAs, private equity firms in their own right for these massive multiples. And what I guess I’m getting at, and I’m curious if you agree is, if a wirehouse advisor, let’s say, sees their colleagues sell to a private equity firm for 20X, doesn’t that have to become a little bit of a catalyst for movement in its own right? Mindy Diamond: Without a doubt. Historically … Actually, let me date myself. When I started this business now 32 years ago, there was zero way for an advisor who was a captive employee of a firm, of any firm, to monetize their business. It’s why there was so much movement, because the only way they could monetize was to get paid a big fat transition deal to move from one firm to the other. Jason Diamond: Yep. Mindy Diamond: Obviously, we all know that first it started with the big firms, and then just about every brokerage firm on the street began to offer a retire-in-place program. And that is the big firms or a traditional brokerage firm’s way of allowing advisor to monetize in place from their perspective to stave off attrition. And for an advisor that believes that the status quo serves them well, that finishing their career, that leaving their legacy, that leaving their team at their firm is the best thing to do, then those retire-in-place programs, like Merrill’s CTP or Morgan’s FAP or UBS’s Alpha or a name at every firm has them, is the best gift to advisors there is. But the problem is that the next generation at those firms are buying an asset they don’t own. And so when we talk about enterprise value or the desire to build enterprise value as a real driver of movement, what we’re talking about is not only that advisors want ownership of an asset, because ownership translates into more control and autonomy and agency over building it the way you want to, but it also translates into maximizing the value of the business that you’ve built. So that’s a long-winded way of saying that the OpenArc deal you are referencing, for anybody not familiar, is a Merrill Lynch team, a legacy Merrill Lynch team in Atlanta that was managing more than 120 billion in assets, part retail, ultra high net worth client assets, and part institutional consulting assets. And believe me, I don’t want to make it sound like it was a snap that one day they’re happy and the next day they’re going independent. Over a 10-year period became more and more aware, driven by the pushes and more aware of the pulse. But ultimately, while there was a long list of things they wanted to be able to do that they couldn’t to best serve clients and grow the business, the real driver at the end of the day, or I shouldn’t say the real driver, but a major driver was the notion of building and owning enterprise value. Yes, they could have all gotten very attractive deals and retired with your Merrill CTP, but they wanted to own the business, they wanted cap gains treatment. And so they went through the sweat equity big time of building what they’re calling OpenArc for the ability for probably five, 10, 20 years, because there’s partners with all different ages, so at all different times, to be able to really maximize the value of the business they’ve built. Jason Diamond: Can I push back on that for … It’s a super helpful example, but my one thought is, okay, yeah, of course, 130 billion in assets, they should be concerned with enterprise value at that size. And the delta between caring about enterprise value and not is too great because those guys have, by all accounts, a phenomenal business that is rivaled by very few in the industry. Most of our audience does not fit into that stratosphere. So what about advisors in, let’s call it the million to $10 million space? Should they still care about this concept? Mindy Diamond: Again, it’s an inside job. It’s a personal thing. Some don’t. But the answer is yes. And if I were them, I would. Why? Because whether I am generating a million a year in revenue or $10 million a year in revenue, at the end of the day, I’ve got an asset. I’ve built a valuable asset. And I have the choice at the end of the day or the middle of the day to decide a million things about that asset. How do I want to live my business life? How do I want to serve my clients? Where do I want to work? But one of the biggest factors to determining where and how they want to work is, ultimately, do I want to be able to maximize the value of the business that I’ve built? And while there are few things that are really definitive in this industry, the one thing that is absolutely indisputably definitive is that if you build an independent practice like the ex-Merrill Lynch churned RIA OpenArc team did, you will ultimately build enterprise value exponential multiples greater than any way you could monetize the business as a traditional employee. Jason Diamond: And that math absolutely still holds up even at numbers smaller than we’ve mentioned. I totally agree with that. I’ll give you one other reason why I think you should care. And I’d love your thoughts on this one. I’ll ask it two ways maybe. I’ll tell you my take and then I’ll ask you yours. Morgan Stanley, let’s use as an example. Who are Morgan Stanley’s competitors? In my opinion, the legacy answer to that is, well, of course the wirehouses are Morgan Stanley’s competitors. Merrill, UBS, Wells Fargo, what maybe used to be a longer list, but today those four. I don’t think that’s the answer anymore. I think those are the direct competitors. But because of this enterprise value conversation, I think Morgan Stanley’s competitors are anyone and everyone who recruits financial advisors with books of business. Because if you think about it, an advisor who has a $3 million business at a wirehouse, even if they’re not actually going to do this, they don’t have any entrepreneurial spirit, no desire to go independent, they still know that they could. This is an option and a viable option. And firms are even figuring out ways to cut out the middle step, right? Because this was historically a two-step process. You’re a wirehouse advisor or a W2 advisor. You break away, launch an independent business to establish your enterprise value, begin building it, and then you monetize it. If you could cut out the middle step, or even if you couldn’t, I still think it’s pretty clear that if you’re an advisor, this is important because the firms know … Like when Morgan Stanley’s writing a recruiting deal, they’re kept honest by RIAs and acquirers just the same as their direct peer set. Do you agree with that or do you think I’m reading too far into this? Mindy Diamond: Oh no, I agree a thousand percent. I think that it is naive for anyone recruiting for or on behalf of a traditional firm to think that the only competition is another traditional firm. The days of pomposity for a senior leader at a traditional firm to say, “We’ve got the best technology, the best everything fill in the blank. We have no competitors.” That’s just naive. Because even if it’s true, you’ve got the best platform infrastructure fill in the blank, there is a multitude of advisors that value things different than what you can provide. Beauty is in the eye of beholder is probably a good way to say that. But at the end of the day, what we’re really talking about is when I started the business, because there was no way, no really good way for an advisor to really monetize their life’s work, the only thing they could or were focused on from a personal financial gain perspective was the short-term deal. What are they paying? What’s the transition deal? Now, of course they’re concerned about that. But almost to a person, they’re equally concerned about what I can build and what will this allow me to build in terms of the value of the business I’m building in the long term. So let me ask you, if we’re talking about an advisor that has the ability to monetize in the short term for what could be 4X and in some cases more than that these days, and we’re talking about the ability to maximize enterprise value, and we talk about the concept of moving once and monetizing twice, what kind of numbers are we talking about? Fill in the blanks there. Jason Diamond: It’s such a hard question to answer because I do genuinely believe recruiting deals, when you talk about 300 to 400% revenue deals in the recruiting space, they vary a little bit, but I feel pretty comfortable quoting those types of numbers that most firms are somewhere in the 300 to 400% of T12 realm. There are some outliers, we mentioned UBS. But the multiple or EBITDA based or enterprise value M&A market where we’re doing these legitimate buyout transactions, the valuations do vary quite a bit. But here’s how I think about it. First of all, most firms are not purchased or sold at top line revenue. Most are sold at some sort of adjusted EBITDA number, which factors in local expenses, platform expenses, but also advisor compensation. And then that adjusted number is typically multipled. The multiples are anywhere from 8X for small kind of, let’s say, million dollar revenue businesses up to, we’ve seen deals struck at north of 20X for some of these mega cap RIAs. Typically, just back of the envelope, if I had to quote, I typically estimate around 5X top line at capital gains is a good kind of ballpark valuation. But there is quite a bit of nuance to it, more so than the traditional recruiting space. And I do think, shameless plug, part of the value in working with somebody who’s an expert on the entirety of the industry landscape is just that. It’s the idea that you need to run the horse race across multiple verticals. The good advisors who work with us typically are looking at a wire like a Morgan Stanley or a Merrill. They’re looking at a boutique firm like a Rockefeller, or they’re looking at a regional like an RBC or a Ray J. They’re looking at an independent firm like an LPL or a Sanctuary. They’re looking all across the spectrum. Mindy Diamond: I think that’s exactly right. But the topic of enterprise value, you can see how powerful it is and how wise it is. For an advisor today, when considering their personal economics to consider not just the short term, but to weigh in or add in or factor in, what could I be building and what ultimately will that business be worth at the end of the day? Jason Diamond: Yeah, 100%. Short of going out and selling your business, what can advisors do then? So I’m an advisor, okay, I’m curious about this. Or is it just as simple as, “Yeah, you should know what your business is worth if you’re an advisor”? Mindy Diamond: Definitively yes, because I mean, we always believe that knowledge is power. And just like it’s important for you to understand what your options are within your own firm, how can I ultimately retire out and monetize my business where I am, I think it’s really hard to make a decision in a vacuum without having other perspective. And getting other perspective doesn’t have to be that you have to go out and take 20 meetings. It’s not that hard for you to figure out what your business is worth to make it a data point for whether or not you’re ultimately best to retire in place or go elsewhere. Jason Diamond: Yeah, that I think is the main takeaway. And the education point is so important. I think because these are relatively new concepts for a lot of advisors that haven’t formally shopped a business before, there’s a lot of resources available. And we’ll certainly link some as well on the page for the episode. Let’s shift gears now, our kind of final trigger 2.0, which is stability and ownership structure of the firm. And this has been a little bit of a hot topic. It’s honestly been a hot topic every year because it seems like things pop up every year. And a lot of times advisors don’t reconcile the question of who owns the firm or how stable is the firm until something happens. The firm gets bought, the firm goes bankrupt, like the First Republic scenario. What should a good advisor do proactively about the idea that if you’re a W2 employee or even an employee who’s affiliated with a broker dealer, you saw this with Commonwealth, you just don’t really have control over what the firm decides to do. Give me your thoughts on this. I know it’s a big topic. Mindy Diamond: Yeah. First of all, using Commonwealth an example, it’s a good one. Because for those unfamiliar, Commonwealth is a boutique broker dealer that was privately owned and whose tagline was, “We love our privately owned status and we are never going to sell,” until one day they did. And not only did they sell, but they sold to the biggest independent broker dealer in the country, ala LPL. That’s not good nor bad, it’s just a fact. So if Commonwealth, who had definitively said we’re never up for sale, suddenly sells, any time you’re an employee of a firm, you never know what tomorrow brings in. You’re not in control over whether it’s sold. So that’s one example. But as you’re talking about this, I’m thinking about, I’m probably going back 20 years, so I’m 10 years into my career and I talked to someone who had been a very successful Merrill advisor. So I’m going to say he was probably generating around $5 million in revenue at the time. Going back 20 years, that’s a pretty significant book of business. He was courted for years by what he thought was a top RIA. And in those days, remember 20 years ago, the RIA space wasn’t nearly as mainstream as it is now. But the story the RIA told him was that ultimately, one, he was going to be a partner in the firm, that was very appealing to him. So he was going to have equity in the firm and much more freedom and control. And locally, by the way, the RIA was a really high quality brand. He worked on a lot of the economics, the short term and the long term with them. They did a ton of due diligence on his book of business. But he failed to ask … And I didn’t represent him. I just know this story. He failed to ask or do enough due diligence about the stability of the firm. What we think is really important, we talk about this expanded landscape. If you’re looking at Morgan Stanley, I don’t think you necessarily need to see Morgan Stanley’s balance sheet. If you are talking to a firm that is anything but a bulge bracket or anything but a large firm, it’s really important to do what we call reverse due diligence and to really understand if a firm expects you to open your kimono and show everything about your business to prove your worth, it is equally important that you do the same for them. In this new world order where private equity has come in and there are so many different ways for a firm to be owned and to be capitalized, it’s very important that an advisor understand what’s going on behind the scenes. And one of the questions around stability, if a firm is private equity backed, is it permanent capital? Is it patient capital? Is the private equity firm going to look to sell and monetize in five years? And then who would the likely buyer be and what does that mean for you? So the question is a big question and it’s really important. Jason Diamond: I love everything you just said, except I do think even the wirehouses, wirehouse advisors, honestly, as much as anybody should be asking these questions. And I’ll give you an example right now, UBS. And UBS, it’s not a story of balance sheet stability. I don’t think anybody has concerns that UBS is going to fail. But UBS management has been very publicly, “Oh, we’re cutting costs.” There’s been some rumors, I think for years, probably dating back 30 years to when you started the business about UBS’s commitment to the US wealth management business. I think those questions about stability and ownership structure are still valid. And to me, the implication of it is twofold. One, what you said, reverse due diligence, ask the questions, plan B. But also the concept of the exits or the off-ramps or how many bites of the apple do you get. So if you’re an advisor and you sell your business to somebody and you sign garden leave and non-competes and non-solicits, the question of ownership structure of that firm becomes less relevant because you have no off-ramps and no ability to exit that business anyway. A lot of times that’s how advisors get comfortable with this concept. And that’s what firms will tell them too, frankly, and we’re living through the middle of this, by the way, with Commonwealth and LPL, is vote with your feet, right? To the extent advisors can, the offer … And this is like, you used the example of private-equity-backed firms. This is how Rockefeller addresses the question of their private equity ownership. If we sell to UBS, all of our advisors will leave. They have that built-in put option. So knowing where the off-ramps are or how many bites of the apple an advisor gets, I think is a big concept that ties into that. But we’re absolutely seeing this pop up, probably largely because of those two examples, Commonwealth and UBS this year, more so Commonwealth, to your point. Janney’s another example last year or two years ago now where KKR comes in and buys Janney. So when these examples happen, it seems like it triggers advisors to say, “Is this something that could happen to me and should I be thinking about this?” Mindy Diamond: Yeah. So let me ask you a question. You’re talking, you’ve mentioned UBS offering this outsized deal. So how does the notion of stability and ownership factor in? If an advisor is considering an unprecedented deal from UBS, what are the caveats or concerns with respect to stability and ownership? Jason Diamond: It’s the same list of considerations you should and would ask of any other firm you’re diligencing, except I think amplified even more in the case … If I was counseling an advisor who was looking at UBS, that would be what I would say, is exactly that. You’re seeing all of these departures and defections, and I would want to have conversations with those advisors and understand exactly why and have guarantees or assurances that I’m not going to suffer from those same pain points that force them to leave. Or, and I say this a little bit flippantly, but it’s a little bit true, I understand the devil that I’m getting into bed with, but for 550%, or whatever the deal might be, I can suck it up. And that’s something that some advisors might well say as well. Mindy Diamond: Yeah. Jason Diamond: I don’t want to end on the negative note of overly large transition, not there’s anything wrong with large transition deals, but as you look out, is there anything that’s coming up in your conversation with advisors that you view as the next wave of this? I’ll give you one that maybe you could touch on, and if you have another one, feel free to offer it in conclusion, but do you think age or advisors starting to succeed out of the business will become more of a driver of movement, even though to your point, advisors can access sunset deals? Mindy Diamond: I do actually, because I think the more the average advisor age increases, the more likely that those advisors are going to want to move on to do something else to monetize the business. And so much of the wave of movement we see is driven not so much by the senior advisor, because many seed advisors are happy enough with the ability to monetize their business in place. Even though it may not maximize the value of the business, it’s a close enough approximation and it means I don’t have to disrupt the apple cart. So we support that 100%. But where we get the calls is from the next generation that says, “Yeah, but hold on a minute. It’s a good way for me to take on a book of assets that I not otherwise have access to. And it’s great for my senior partner, my father, my mother, my whatever to monetize the business. But I’m buying an asset again that I don’t own and I ultimately don’t have control over all these things we’re talking about, the AI investment, the ability to create enterprise value, the stability, the cost cutting, all of it.” So I think it’s all of the above. You say, “What else is there?” I think that’s it. It’s all of the above. It’s anything and everything that drives movement. One, it’s personal, it’s highly unique, it’s different for every advisor. There are certainly themes, and we’re talking about them, but there’s a million different things. It’s personal. And while there are an awful lot of pushes, things that can frustrate an advisor, it is the most exciting time in our view to be an advisor, particularly a high quality one, because the options abound, the ecosystem is big, because the ability to monetize both in the short term and the long term is big, mammoth, exponentially bigger than it ever was before. And the true ability to really build an enterprise has never been greater. And I think all of those things, the desire for an advisor to be the best that they can be and live their best business life is probably the biggest driver of all. Jason Diamond: It’s really true these days, if you can dream it, you can probably build it. And we’ve said in the past, if you build it, they will buy it. It’s a great place to end. This was a really fun topic. I think that’s a spot on kind of fourth trigger, by the way, too. This sort of next gen is almost like the force multiplier or the amplifier of like they see all this other stuff and they’re asking these questions even more so. Because if I’m 60 years old, none of this matters all that much. It matters, but I’m out of the business in five to 10 years. Versus the next gen advisors are the ones who often bear the brunt of this. So I think a lot of really smart stuff. Thank you for sharing your wisdom and expertise. In the episode page, we’ll be sure we have our Industry Transition Report. And we’ve also created a tool, the top 10 tips for a strategic due diligence process, which is a great kind of practical hand-in-hand companion for this topic for advisors looking for more pointed tips on the due diligence process. So Mindy, thank you again. This has been a blast. Mindy Diamond: My pleasure. Thank you. Jason Diamond: Thank you for joining us. We'll be back with a new episode next week, so be sure to listen in. Mindy Diamond: As a financial advisor, you hold yourself to the highest standards of integrity, honesty, and credibility. You are successful because you take your professional responsibility seriously and are dedicated to your clients. But are you living your best business life? Are your goals aligned with your firms or could a better option exist? Should I Stay or Should I Go? is a book written with you in mind. It’s a self-guided journey that walks you through the key steps that we take with our advisor clients. This strategic thought process and roadmap to professional self-discovery is designed to help you ask the right questions and think critically and objectively, whether you’re considering change or not. Learn how to get your copy at diamond-consultants.com/thebook. The Advisor Transition Playbook: The Latest on Due Diligence, the Move, and Everything In Between – Part 2 A Special Industry Update with Jason Diamond and Mindy Diamond. Jason Diamond: Welcome to a replay of one of the most popular episodes from our podcast series for financial advisors, The Advisor Transition Playbook: The Latest on Due Diligence, the Move, and Everything In Between. It's Part 2 of a 2-Part Industry Update with Mindy Diamond. I’m Jason Diamond and this is the Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven and based on building relationships, starting as your strategic partner, well before you’re even thinking of a move. To schedule a confidential conversation, call us at 908-879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our Annual Advisor Transition Report. It’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Jason Diamond: There’s been a noticeable shift in how advisors are approaching decisions about their business, not necessarily in whether they’re exploring change, but in what they’re focused on when they do. Mindy is back with me for a continuation of our earlier conversation on the Advisor Transition Playbook. Last time, we spent time on the mechanics, how due diligence works, what a move actually entails, and how to think through the process. What’s become more apparent since then is that the inputs into that process are evolving. The traditional drivers are still there, but layered on top are a set of considerations that didn’t carry the same weight before. AI is one of them, and not just as a tool, but as a differentiator that advisors are starting to diligence more seriously. Enterprise value is another. Showing up in conversations, even for advisors who don’t technically own their business, but are thinking more critically about what they’re building over time. And then there are questions around stability, ownership, and flexibility. What happens to the firm itself and whether advisors retain the ability to adapt again if circumstances change. None of this is theoretical. It’s showing up in real time conversations. What we want to do here is unpack those new triggers of advisor movement and what they suggest about how decisions are being made today. So let’s get to it. Mindy, the legend, thank you for joining me. So glad to have you on. Mindy Diamond: Thank you. I’m so happy to be here. Jason Diamond: Great. Let’s dive right in. I’ll set the stage really quickly one more time. When we spoke about this topic last, we talked about the drivers of movement, what we’ll call in this conversation as the old or the legacy drivers of movement, and we spoke about the mechanics of the move. Before we get into the new drivers of movement, which I want to be the meat of the conversation, remind us, when we talk about the legacy drivers of movement …. And by the way, by saying legacy, I by no means want to suggest that they’re not valid today, because they’re equally valid, if not more so today than they were then. But when you think of the classic drivers of movement in our industry, what are they? Mindy Diamond: Yeah. So I would say, first of all, let’s start by saying that for every advisor, they’ve got a unique set of needs. So the first thing to say is that while you and I can talk about the categories of frustrations or things that might bother an advisor, they show up differently in each advisor’s life. So it’s important to note that everyone is unique. But generally speaking, if I had to package them, I’d say it’s number one that shows up most of the time is too much bureaucracy. A feeling that a firm or a model is just too hypervigilant in terms of compliance and it’s too bureaucratic and too hard to get things done.

In the Season 12 finale of the Meet the Mancunian podcast, host Deepa Thomas-Sutcliffe speaks with Mike Whittaker, a BMX volunteer and racer at Bruntwood Park BMX Club in Cheadle. Mike shares how BMX filled the community gap he felt after leaving the police, leading him to volunteer on track repairs and later head up maintenance, while also returning to racing himself. After breaking his T12 vertebrae, he committed to regional and national racing, documenting events on YouTube to encourage adults to start (or return to) the sport and build connection, including a growing dads' community. He discusses launching Resilient Team Racing to promote positivity and mental health, fundraising through photography for homelessness charity Coffee4Craig, and preparing to represent Great Britain at the 2026 World Championships in Brisbane.Did you know:  ·     BMX stands for Bicycle Moto-X and began as the bicycle equivalent of motocross.·     BMX is an Olympic medal sport since 2008·     There are over 5,000 active BMX racers in the UK and over 60 active BMX clubs.Key resource: You Tube channel Time stamps of key moments in the podcast episode & transcript: (00:57) Meet Mike Whittaker(01:16) From police to purpose(01:49) Joining BMX volunteering(03:45) Injury and racing comeback(05:36) Building Adult BMX community(08:30) Resilient team racing(10:32) Photography fundraising impact(25:56) Signature questions(32:33) Life lessons

John Casmon breaks down how to invest in apartments without being a landlord — using syndication to build wealth at scale with other people's capital.In this episode of RealDealChat, Jack Hoss sits down with John Casmon of Casmon Capital to break down how everyday investors can get into multifamily real estate without managing tenants, toilets, or the day-to-day grind.John shares the framework behind apartment syndication, including:Why buying small with your own cash creates a slow, painful grindWhat apartment syndication actually is and how it lets you scale using pooled capitalHow AI is replacing W2 jobs and why real estate is one of the most technology-resistant assetsWhy the T12 (trailing 12 months) can trap you if you don't know which numbers carry forwardThe intentional investing framework: building a portfolio around your life goals, not just chasing returnsWhy value-add deals that cash flow on day one beat "loss leader" strategiesHow an executive assistant and AI agents can free up your most valuable hoursThe lie most investors tell themselves about finding great dealsWhether you are just starting out or already own a few units and feel stuck in a slow grind, this episode will give you a better lens for how to structure your next move.

Sometimes the money IS the right reason. And pretending otherwise might be the most expensive mistake you ever make. In this episode of Advisor Talk, Frank LaRosa and Stacey Frank challenge the conventional wisdom around advisor transitions and make the case that when the difference between two firms is not a few thousand dollars but millions, the economics have to come into play. Frank breaks down the unicorn recruit concept, how asset based transition deals are creating massive opportunities for advisors whose AUM far outpaces their revenue, and why the transition window right now is unlike anything the industry has seen in decades. He also explains why advisors should think like their wealthiest business owner clients when evaluating an opportunity, what they can do with that capital to grow their practice faster, and why getting a monster transition package is not selling your business but monetizing it without giving anything up.   Questions answered in this episode include: What is a unicorn recruit and why do some advisors have more leverage than they realize? What is the difference between an AUM based deal and a T12 based transition package? Why are transition packages and practice valuations at all time highs right now? Is it okay to make a move primarily because of the economics? How can a large transition package help an advisor grow their business faster? What should advisors be thinking about before a market downturn hits? How do you know if you are leaving money on the table by staying where you are?   Chapters: 00:00 – When the Money IS the Right Reason to Move 01:04 – Welcome to Advisor Talk 02:20 – Why Most Firms Look the Same and Where the Difference Really Is 05:00 – The Unicorn Recruit: AUM Based Deals vs T12 09:00 – The $9 Million Question: When Economics Has to Come Into Play 13:00 – Think Like Your Wealthiest Business Owner Clients 27:14 – How to Reach Frank and Stacey   Learn more about Elite and our resources: Elite Consulting Partners | Financial Advisor Transitions https://eliteconsultingpartners.com Elite Marketing Concepts | Marketing Services for Financial Advisors https://elitemarketingconcepts.com Elite Advisor Successions | Advisor Mergers and Acquisitions https://eliteadvisorsuccessions.com JEDI Database Solutions | Technology Solutions for Advisors https://jedidatabasesolutions.com Elite Wealth Management Insights Report https://eliteconsultingpartners.com/insight-report Listen to more Advisor Talk episodes https://eliteconsultingpartners.com/podcasts/

Episodio especial para cerrar y comenzar una nueva temporada. En este segundo episodio de Trío de Lenguas charlamos con María Gómez De Castro y Clara Gillman, ambas actrices con carreras muy interesantes en el mundo teatral y editorial. Puedes escuchar sus respectivas entrevistas en la T9, episodio 2 y en la T12, episodio 7, respectivamente. Y no olvides seguirlas en su cuentas: @merysinmas_ y @clara__gillman. ¡Que lo disfrutes!

The lymphatic system, or lymphoid system, is one of the components of the circulatory system, and it serves a critical role in both immune function and surplus extracellular fluid drainage.  Components of the lymphatic system include lymph, lymphatic vessels and plexuses, lymph nodes, lymphatic cells, and a variety of lymphoid organs. The pattern and form of lymphatic channels are more variable and complex but generally parallel those of the peripheral vascular system. The lymphatic system partly functions to convey lymphatic fluid, or lymph, through a network of lymphatic channels, filter lymphatic fluid through lymph nodes and return lymphatic fluid to the bloodstream, where it is eventually eliminated. Nearly all body organs, regions, and systems have lymphatic channels to collect the various byproducts that require elimination . Liver and intestinal lymphatics produce about 80% of the volume of lymph in the body. Notable territories of the body that do not appear to contain lymphatics include the bone marrow, epidermis, as well as other tissues where blood vessels are absent. The central nervous system was long considered to be absent of lymphatic vessels until they were recently identified in the cranial meninges. Moreover, a vessel appearing to have lymphatic features was also discovered in the eye. The lymphatic system is critical in a clinical context, particularly given that it is a major route for cancer metastasis and that the inflammation of lymphatic vessels and lymph nodes is an indicator of pathology.  Structure The lymphatic system includes numerous structural components, including lymphatic capillaries, afferent lymphatic vessels, lymph nodes, efferent lymphatic vessels, and various lymphoid organs.  Lymphatic capillaries are tiny, thin-walled vessels that originate blindly within the extracellular space of various tissues. Lymphatic capillaries tend to be larger in diameter than blood capillaries and are interspersed among them to enhance their ability to collect interstitial fluid efficiently. They are critical in the drainage of extracellular fluid and allow this fluid to enter the closed capillaries but not exit due to their unique morphology. Lymphatic capillaries at their blind ends are composed of a thin endothelium without a basement membrane. The endothelial cells at the closed end of the capillary overlap but shift to open the capillary end when interstitial fluid pressure is greater than intra-capillary pressure. This process permits lymphocytes, interstitial fluid, bacteria, cellular debris, plasma proteins, and other cells to enter the lymphatic capillaries. Special lymphatic capillaries called lacteals exist in the small intestine to contribute to the absorption of dietary fats. Lymphatics in the liver contribute to a specialized role in transporting hepatic proteins into the bloodstream. The lymphatic capillaries of the body form large networks of channels called lymphatic plexuses and converge to form larger lymphatic vessels. Lymphatic vessels convey lymph, or lymphatic fluid, through their channels. Afferent (toward) lymphatic vessels convey unfiltered lymphatic fluid from the body tissues to the lymph nodes, and efferent (away) lymphatic vessels convey filtered lymphatic fluid from lymph nodes to subsequent lymph nodes or into the venous system. The various efferent lymphatic vessels in the body eventually converge to form two major lymphatic channels: the right lymphatic duct and the thoracic duct.  The right lymphatic duct drains most of the right upper quadrant of the body, including the right upper trunk, right upper extremity, and right head and neck. The right lymphatic trunk is a visible channel in the right cervical region just anterior to the anterior scalene muscle. Its origin and termination are variable in morphology, typically forming as the convergence of the right bronchomediastinal, jugular, and subclavian trunks, extending 1 to 2 centimeters in length before returning its contents to the systemic circulation at the junction of the right internal jugular, subclavian, and/or brachiocephalic veins.  The thoracic duct, also known as the left lymphatic duct or van Hoorne's canal, is the largest of the body's lymphatic channels. It drains most of the body except for the territory of the right superior thorax, head, neck, and upper extremity served by the right lymphatic duct. The thoracic duct is a thin-walled tubular vessel measuring 2 to 6 mm in diameter. The length of the duct ranges from 36 to 45 cm. The thoracic duct is highly variable in form but typically arises in the abdomen at the superior aspect of the cisterna chyli, around the level of the twelfth thoracic vertebra (T12). The cisterna chyli, from which it extends, is an expanded lymphatic sac that forms at the convergence of the intestinal and lumbar lymphatic trunks extending along the L1-L2 vertebral levels. The cisterna chyli is present in approximately 40-60% of the population, and in its absence, the intestinal and lumbar lymphatic trunks communicate directly with the thoracic duct at the T12 level. As a result, the thoracic duct receives lymphatic fluid from the lumbar lymphatic trunks and chyle, composed of lymphatic fluid and emulsified fats, from the intestinal lymphatic trunk. Initially, the thoracic duct is located just to the right of the midline and posterior to the aorta. It exits the abdomen and enters the thorax via the aortic hiatus formed by the right and left crura of the diaphragm, side by side with the aorta. The thoracic duct then ascends in the thoracic cavity just anterior and to the right of the vertebral column between the aorta and azygos vein. At about the level of the fifth thoracic vertebra (T5), the thoracic duct typically crosses to the left of the vertebral column and posterior to the esophagus. From here, it ascends vertically and usually empties its contents into the junction of the left subclavian and left internal jugular veins in the cervical region. To ensure that lymph does not flow backward, collecting lymphatic vessels and larger lymphatic vessels have one-way valves. These valves are not present in the lymphatic capillaries. These lymphatic valves permit the continued advancement of lymph through the lymphatic vessels aided by a pressure gradient created by vascular smooth muscle, skeletal muscle contraction, and respiratory movements. However, it is important to note that lymphatic vessels also communicate with the venous system through various anastomoses. Lymph nodes are small bean-shaped tissues situated along lymphatic vessels. Lymph nodes receive lymphatic fluid from afferent lymphatic vessels and convey lymph away through efferent lymphatic vessels. Lymph nodes serve as a filter and function to monitor lymphatic fluid/blood composition, drain excess tissue fluid and leaked plasma proteins, engulf pathogens, augment an immune response, and eradicate infection. Several organs in the body are considered to be lymphoid or lymphatic organs, given their role in the production of lymphocytes. These include the bone marrow, spleen, thymus, tonsils, lymph nodes, and other tissues. Lymphoid organs can be categorized as primary or secondary lymphoid organs. Primary lymphoid organs are those that produce lymphocytes, such as the bone marrow and thymus. Bone marrow is the primary site for the production of lymphocytes. The thymus is a glandular organ located anterior to the pericardium. It serves to mature and develop T cells, or thymus cell lymphocytes, in response to an inflammatory process or pathology. As individuals age, both their bone marrow and thymus reduce and accumulate fat. Secondary lymphoid organs serve as territories in which immune cells function and include the spleen, tonsils, lymph nodes, and various mucous membranes, such as in the intestines. The spleen is a purplish, fist-sized organ in the left upper abdominal quadrant that contributes to immune function by serving as a blood filter, storing lymphocytes within its white pulp, and being a site for an adaptive immune response to antigens. The lingual tonsils, palatine tonsils, and pharyngeal tonsils, or adenoids, work to prevent pathogens from entering the body. Mucous membranes in the gastrointestinal, respiratory, and genitourinary systems also function to prevent pathogens from entering the body. Lymph Lymphatic fluid, or lymph, is similar to blood plasma and tends to be watery, transparent, and yellowish in appearance. Extracellular fluid leaks out of the blood capillary walls because of pressure exerted by the heart or osmotic pressure at the cellular level. As the interstitial fluid accumulates, it is picked up by the tiny lymphatic capillaries along with other substances to form lymph. This fluid then passes through the lymphatic vessels and lymph nodes and finally enters the venous circulation. As the lymph passes through the lymph nodes, both monocytes and lymphocytes enter it.  Lymph is composed primarily of interstitial fluid with variable amounts of lymphocytes, bacteria, cellular debris, plasma proteins, and other cells. In the GI tract, lymphatic fluid is called chyle and has a milk-like appearance that is chiefly due to the presence of cholesterol, glycerol, fatty acids, and other fat products. The vessels that transport the lymphatic fluid from the GI tract are known as lacteals. Embryology The development of the lymphatic system is known from both human and animal, especially mouse studies. The lymphatic vessels form after the development of blood vessels, around six weeks post-fertilization. The endothelial cells that serve as precursors to the lymphatics arise from the embryonic cardinal veins. The process by which lymphatic vessels form is similar to that of the blood vessels and produces lymphatic-venous and intra-lymphatic anastomoses, but diverse origins exist for components of lymphatic vessel formation in different regions.  Six primary lymph sacs develop and are apparent about eight weeks post-fertilization. These include, from caudal to cranial, one cisterna chyli, one retroperitoneal lymph sac, two iliac lymph sacs, and two jugular lymph sacs. The jugular lymph sacs are the first to develop, initially appearing next to the jugular part of the cardinal vein. Lymphatic vessels then form adjacent to the blood vessels and connect the various lymph sacs. The lymphatic vessels primarily arise from the lymph sacs through the process of self-proliferation and polarized sprouting.  Stem/progenitor cells play a huge role in forming lymphatic tissues and vessels by contributing to sustained growth and postnatally differentiating into lymphatic endothelial cells. Lymphatic channels from the developing gut connect with the retroperitoneal lymph sac and the cisterna chyli, situated just posteriorly. The lymphatic channels of the lower extremities and inferior trunk communicate with the iliac lymph sacs. Finally, lymphatic channels in the head, neck and upper extremities drain to the jugular lymph sacs. Additionally, a right and left thoracic duct form and connect the cisterna chyli with the jugular lymph sacs and form anastomoses that eventually produce the typical adult form. The lymph sacs then produce groups of lymph nodes in the fetal period. Migrating mesenchyme enters the lymph sacs and produces lymphatic networks, connective tissue, and other layers of the lymph nodes. Function The lymphatic system's primary function is to balance the volume of interstitial fluid and convey it and excess protein molecules into the venous circulation. The lymphatic system is also important in immune surveillance, defending the body against foreign particles and microorganisms. It does so by conveying antigens and leukocytes to lymph nodes, where antigen-primed and targeted lymphocytes and other immune cells are conveyed into the lymphatic vessels and blood vessels. In addition, the system has a role in the absorption of fat-soluble vitamins and fatty substances in the gut via the gastrointestinal tract's lacteals within the villi and the transport of this material into the venous circulation.  Newly recognized lymphatic vessels are visible in the meninges relating to cerebrospinal fluid (CSF) outflow from the central nervous system. Finally, lymphatics may play a role in the clearance of ocular fluid via the lymphatic-like Schlemm canals. Clinical Significance Leaks of lymphatic fluid occur when the lymphatic vessels are damaged. In the abdomen, lymphatic vessel damage may occur during surgery, especially during retroperitoneal procedures such as repairing an abdominal aortic aneurysm. These leaks tend to be mild, and the vessels in the peritoneum and mesentery eventually absorb the lymphatic fluid or chyle. However, when the thoracic duct is injured in the chest, the chyle leak can be extensive. In most cases, conservative care with a no-fat diet (medium chain triglycerides) or total parenteral nutrition is unsuccessful. In most cases, if the injury to the thoracic duct was surgical, a surgical procedure is required to tie off the duct. If the thoracic duct is injured in the cervical region, then inserting a drainage tube and adopting a low-fat diet will help seal the leak. However, thoracic duct injury in the chest cavity usually requires drainage and surgery. It is rare for the thoracic segment of the thoracic duct to seal on its own. In terms of accumulation of chyle in the thorax (i.e., chylothorax), if a patient has an injury to the thoracic duct in the thorax below the T5 vertebral level, then fluid will collect in only the right pleural cavity. If the injury is to the thoracic duct in the thorax above the T5 vertebral level, then fluid will appear in both pleural cavities.   Other Issues The lymphatic system is prone to disorders like the venous and arterial circulatory systems. Developmental or functional defects of the lymphatic system cause lymphedema. When this occurs, the lymphatic system is unable to sufficiently drain lymphatic fluid resulting in its accumulation and swelling of the territory. Lymphedema, this swelling due to the accumulation of lymph, is classified as primary or secondary. Primary lymphedema is an inherited disorder where the lymphatic system development has been disrupted, causing absent or malformed lymphatic tissues. This condition often presents soon after birth, but some conditions may present later in life (e.g., at puberty or later adulthood). There are no effective treatments for primary lymphedema. Past surgical treatments were found to be mutilating and are no longer implemented. The present-day treatment revolves around compression stockings, pumps, and constrictive garments. Secondary lymphedema is an acquired disorder involving lymphatic system dysfunction that may result from many causes, including cancer, infection, trauma, or surgery. The treatment of secondary lymphedema depends on the cause. Oncological and other surgeries may result in secondary lymphedema due to the removal or biopsy of lymph nodes or lymphatic vessels. Non-surgical lymphedema may result from malignancies, obstruction within the lymphatic system, infection, or deep vein thrombosis. In most cases of obstructive secondary lymphedema, the drainage will resume if the inciting cause is removed, although some individuals may need to wear compressive stockings permanently. Also, physical therapy may help alleviate lymphedema when the extremities are involved. There is no absolute cure for lymphedema, but diagnosis and careful management can help to minimize complications. Lymphomas are cancers that arise from the cells of the lymphatic system. There are numerous types of lymphoma, but they are grouped into Hodgkin lymphoma and non-Hodgkin lymphoma. Lymphomas usually arise from the malignant transformation of specific lymphocytes in the lymphatic vessels or lymph nodes in the gastrointestinal tract, neck, axilla, or groin. Symptoms of lymphoma may include night sweats, fever, fatigue, itching, and weight loss. Cancers originating outside of the lymphatic system often spread via the lymphatic vessels and may involve regional lymph nodes serving the impacted organs or tissues. Lymphadenitis occurs when the lymph nodes become inflamed or enlarged. The cause is usually an adjacent bacterial infection but may also involve viruses or fungi. The lymph nodes usually enlarge and become tender. Lymphatic filariasis, or elephantiasis, is a very common mosquito-borne disorder caused by a parasite found in tropical and subtropical areas of the world, including Africa, Asia, the Pacific, the Caribbean, and South America. This condition involves parasitic microscopic nematodes (roundworms) that infect the lymphatic system and rapidly multiply and disrupt lymphatic function. Many infected individuals may have no outward symptoms, although the kidneys and lymphatic tissues may be damaged and dysfunctional. Symptomatic individuals may present with disfigurement caused by significant lymphedema and elephantiasis (thickening of the skin, particularly the extremities). The parasite may also cause hydrocele, an enlargement of the scrotum due to the accumulation of fluid, which may result from obstruction of the lymph nodes or vessels in the groin. Individuals presenting with symptoms have poorly draining lymphatics, often involving the extremities, resulting in huge extremities and marked disability. Lymphatic filariasis is the most common cause of disfigurement in the world, and it is the second most common cause of long-term disability.  (credits: NIH)

PRESENTACIÓN LIBROS 00:02:00 Aún no estoy muerta (Holly Jackson) 00:04:10 Islas de la Ascuaoscura (Brandon Sanderson) 00:06:35 Saga Torres de Malory (Enid Blyton) 00:08:40 Hija de la venganza (Michael McDowell) 00:11:20 La isla (Victoria Hislop) 00:12:25 1Q84. Libros 1 & 2 (Haruki Murakami) 00:14:50 Lizzie ha vuelto (Marian Keyes) PELÍCULAS 00:17:00 Wicked: For Good 00:21:50 Wicked: one wonderful night 00:23:00 Mujercitas 00:26:45 Voy a pasármelo mejor 00:28:05 Ana Karenina 00:30:40 La larga marcha 00:33:05 The running man 00:35:40 La orden 00:37:55 La maternal 00:39:40 Infiltrados en la extrema derecha 00:42:20 Sin cortes con Ed Sheeran 00:43:25 Sirat 00:46:30 El encanto del champán 00:47:20 Unas navidades Ex-candalosas 00:48:55 El secreto de Papá Noel 00:50:50 Deberes: The perfect neighbour SERIES 00:52:20 Pubertat 00:55:00 Expediente Vallecas 00:58:15 Rey y conquistador 01:00:30 Una noche en Idaho. Los asesinatos de la universidad 01:03:00 El gatopardo 01:04:25 Yakarta 01:05:30 La bestia en mí 01:07:50 The Sagrada Familia 01:09:00 Anatomía de un instante 01:11:15 Pulso (T1) 01:12:25 Nails (T1) 01:14:20 El hombre infiltrado (T2) 01:16:00 The Morning Show (T4) 01:21:50 Stranger things (T5A) 01:25:30 Last week tonight (T12) 01:27:30 DESPEDIDA En este programa suenan: Radical Opinion (Archers) / Siesta (Jahzzar) / Place on Fire (Creo) / I saw you on TV (Jahzzar) / Bicycle Waltz (Goobye Kumiko)

Black Friday / Cyber Monday is the busiest and most competitive shopping moment of the year, but most brands still make the same mistakes. In this episode, Justin breaks down what to do (and what not to do) during the T12 period, Amazon's “Turkey 12” lead up to deal week. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

It's Friday, November 14th, A.D. 2025. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Adam McManus Iranian Christian prisoner denied treatment after spinal fracture On October 31st, Iranian Muslim authorities denied proper medical treatment to a prisoner named Aida Najaflou, an Iranian Christian convert, after she fell and fractured her spine, reports International Christian Concern. Najaflou, who suffered from spinal disc issues before her arrest, sustained the injury when she fell from her top prison bunk. She was taken to a local hospital, where medical professionals diagnosed a fractured T12 vertebra. Shockingly, Muslim authorities refused to allow Najaflou to obtain treatment and, instead, used a stretcher to bring her back to the prison that same day.  Due to the inhumane treatment and pain that Najaflou endured, fellow prisoners reportedly protested the situation. Iranian officials responded by taking the woman to a second hospital, where doctors recommended emergency surgery to repair her vertebra.   According to the Cleveland Clinic, “spinal fracture surgery” is recommended if the spinal fracture is in danger of damaging your spinal cord or if your pain doesn't improve a few months after non-surgical treatments.” The prolonging of proper care for Najaflou's injury is likely to have caused additional, unnecessary pain. Romans 5:3-5 says, “We know that suffering produces perseverance;  perseverance, character; and character, hope.  And hope does not put us to shame, because God's love has been poured out into our hearts through the Holy Spirit, Who has been given to us.” Sadly, previous requests from Najaflou for a lower bunk, based on her pre-existing spinal problems and a rheumatoid arthritis diagnosis, were dismissed by prison authorities.  Najaflou, along with two other Christians, was arrested in February 2025 for their Christian activities, including “praying, performing baptisms, taking communion, and celebrating Christmas.” She also spoke out against the Islamic Republic of Iran. According to Open Doors, Iran is the ninth most difficult country worldwide for Christians. Trump chastises Democrats for 43-day gov't shutdown Late Wednesday night, President Donald Trump signed legislation to end the Schumer Shutdown of government that spanned 43 days, punting the next funding deadline into late January, reports Politico.com. He called out the extortion of the Democrats who tried to force the funding of health care for illegal aliens as well as the extension of Obamacare benefits which they themselves had sunset. TRUMP: “Today, we're sending a clear message that we will never give into extortion, because that's what it was. The Democrats tried to extort our country. “In just a moment, I'll sign a bill exactly like we asked Democrats to send us all along, many days ago.  Republicans never wanted a shutdown and voted 15 times for a clean continuation of funding. Yet the extremists in the other party insisted on creating the longest government shutdown in American history, and they did it purely for political reasons.” President Trump explained the harm the Democrats caused. TRUMP: “Over the past seven weeks, the Democrats shut down as inflicted massive harm. They caused 20,000 flights to be canceled or delayed. They look very bad, the Democrats do. “They deprived more than one million government workers from their paychecks and cut off food stamp benefits for millions and millions more Americans in need. They caused tens of thousands of federal contractors and small businesses to go unpaid. And the total effect of the damage their antics caused will take weeks, and probably months, to really calculate accurately. “So, I just want to tell the American people, you should not forget this. When we come up to midterms, don't forget what they've done to our country.” The House passed the funding measure earlier in the evening, after eight Senate Democrats broke with their party to advance the package Monday night. Paychecks to federal workers reportedly will begin going out Saturday, reports NewsMax. Trump faces biggest Republican rebellion yet over Epstein Republicans are preparing a mass rebellion against President Donald Trump in a vote to release all classified files related to the late sexual predator Jeffrey Epstein, reports The Telegraph. At least 100 or more Republicans are expected to support the release of the files after a selection of emails sent by the deceased pedophile financier, that frequently mention the U.S. president, were made public on Wednesday. President Trump was friends with Epstein before the pair fell out in the early 2000s, but has always denied any knowledge of or involvement with Epstein's sex-trafficking or abuse of underage girls. Senator John Fetterman hospitalized after fall John Fetterman, the senior U.S. senator from Pennsylvania, was hospitalized on November 13th after falling down and hitting his face due to a heart-related issue, reports The Epoch Times. Because he had “a ventricular fibrillation flare,” a condition where the heart stops pumping blood to parts of the body, Fetterman became “light-headed” and then fell to the ground in Braddock, Pennsylvania, “hitting his face with minor injuries.” Kamala to Jon Stewart: Biden was competent to be President As part of her 107 Days book tour, former Democratic presidential candidate Kamala Harris was oddly hesitant to question President Joe Biden's mental acuity on Jon Stewart's podcast Listen. HARRIS: “I believe he was fully competent to serve.” STEWART: “Do you really?” HARRIS: “Yeah, I do.” STEWART:  “That, that surprises me, actually.” HARRIS: “No, I do. There's a distinction to be made between running for president and being president.” STEWART: “What's the distinction?” HARRIS: “Well, being a candidate for president United States is about being in a marathon, at a sprinter's pace, having tomatoes thrown at you every step you take.” STEWART: (laughs) “That sounds lovely.” HARRIS: “Yeah, it's more than a notion. And to be the seated president, the sitting president, while doing that, it's a lot.” STEWART: “I think it's a hard case to make for people that he didn't have the stamina to run, but he had the stamina to govern, because I think most people view the presidency as a marathon, run at a sprint, with tomatoes being thrown at you, in terms of governance.” Not surprisingly, people on social media were incredulous. On X, AdaminHTownTX asked, “If Biden was competent to serve, why did his party force him out of the race and install Kamala as the nominee?” Harris has hinted at a second presidential bid in 2028. Obama accused of destroying national landmark to build monument to himself What kind of U.S. president demolishes a cherished piece of American history in order to build a shrine to himself? Locals are still trying to make sense of the $850 million Obama Presidential Center, dubbed “The Obamalisk,” which broke ground in Chicago's historic Jackson Park in 2021 and will be finished next spring, reports the New York Post. Renowned Chicago architect Grahm Balkany, a self-described liberal, is upset. He said, “Obama, of all people, should not be building a palace for himself, a fortress in the middle of a public park. It's just contrary to what I thought he believed in.” Greg Laurie to hold crusade where Charlie Kirk was killed And finally, Evangelist Greg Laurie will headline a Harvest Crusade event at Utah Valley University, where conservative Christian activist Charlie Kirk was assassinated on September 10th during a Turning Point USA event, reports The Christian Post. Approximately, 10,000 attendees are expected. Known as “Hope for America,” the event will be held this Sunday, November 16. LAURIE:  “This is the place where Charlie left this world for the next world. We're going to go into that campus where darkness took place, and we're going to turn on the radiant light of Jesus Christ and preach that same Gospel that Charlie preached and call people to Christ.” Romans 1:16 says, “For I am not ashamed of the Gospel, because it is the power of God that brings salvation to everyone who believes: first to the Jew, then to the Gentile.” Close And that's The Worldview on this Friday, November 14th, in the year of our Lord 2025. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com.  I'm Adam McManus. Seize the day for Jesus Christ.

What does it take to turn years of pain into a platform for power? We sit with nutritionist, trainer, and competitive bodybuilder Maria Beretta to unpack a journey that starts with teenage loss and spirals into chronic symptoms before snapping into clarity: if the system won't solve it, she will. Maria breaks down the real face of PCOS—cystic ovaries, acne, mood swings, insulin resistance—and the often-missed reality of hypermobile Ehlers-Danlos syndrome, where fragile connective tissue makes every step and lift a risk. Instead of accepting a handful of prescriptions, she chose a different map: keto to stabilize PCOS, a hard stop on dairy to cut inflammation, and targeted peptide therapy (BPC-157 and TB-500) to protect her training and speed recovery.The turning point isn't just biochemical. It's mindset. Maria explains how visualization, faith, and ruthless specificity shaped her prep for NPC figure—meal planning without drama, cardio without shortcuts, and posing that balances muscle with grace. She's candid about the sport's truths: the expense, the prevalence of PEDs at elite levels, and the monotony few see behind a 20-second stage moment. Then comes the plot twist: a New Year's Day car crash, a 40% T12 compression fracture, eight disc herniations, and traumatic scoliosis. With imaging to guide her and peptides to support healing, she made a careful, documented return to training and kept the pro card goal in sight.If you're navigating PCOS management, EDS training modifications, anti-inflammatory nutrition, or peptide therapy for injury recovery, this conversation delivers practical detail and lived results. Maria's approach—test, adjust, measure—turns “motivation” into method. We also get real about the mental side: how to set goals that grip you, rehearse the win, and keep going when doctors or doubt say stop. Tap play for a blueprint you can use, whether you're chasing a pro stage, a pain-free day, or your next personal best.If this episode moved you, follow the show, share it with a friend who needs it, and leave a review to help more listeners find conversations like this.

Title: From Hustle to Holdings: The Smarter Path to Passive Wealth With J. Scott Summary: In this episode of the Passive Income Attorney Podcast, host Seth Bradley discusses the importance of transitioning from active to passive income with guest Jay Scott, a seasoned real estate investor. They explore various investment strategies, the significance of due diligence in syndication, and the differences between house flipping and multifamily investments. Jay shares his journey from tech to real estate, emphasizing the need for teamwork in multifamily projects and the importance of understanding market conditions. The conversation concludes with actionable insights for listeners looking to create financial freedom through passive income. Links to watch and subscribe: https://www.youtube.com/watch?v=V26Rze2S9TM Bullet Point Highlights: Active income is trading time for money, while passive income allows for financial freedom. Investors should focus on the highest and best use of their time. Flipping houses can be tedious and may not be the best use of time for high-income earners. Transitioning to multifamily investments can provide more control and cash flow. Market conditions can significantly impact investment strategies and outcomes. Due diligence is crucial when vetting syndication sponsors and deals. Understanding the underwriting process is essential for passive investors. Building a strong team is vital for success in multifamily investments. Investors should seek to understand the risks associated with their investments. Passive income allows for a lifestyle centered around family and personal interests. Transcript: Seth Bradley (00:10.188) What's going on, law nation? Welcome to the Passive Income Attorney Podcast, your favorite place for learning about the world of alternative passive investments so that you can practice when you want to and not because you have to. Now, if you're ready to kick that billable out of the curb, start by going to attorneybydesign.com to download the Freedom Blueprint, which will also get you access to partner with us on one of our next passive real estate investments. All right, let's talk about   the highest and best use of your time. We've talked about active versus passive income and for good reason, they are completely different. They're on opposite sides of the spectrum. When we talk about active income, we're talking about your job as an attorney, as a doctor or a business owner, where you trade your time in for money out. Depending on your skill set, background, education, work ethic, et cetera,   You know, this could be a great use of your time or it could be a terrible one. But when most people think about getting into real estate investing, they're torn. Should you do a fix and flip like you saw on HGTV? Should you invest in a REIT like your financial advisor and Charles Schwab told you to do? Should you buy a single family rental or invest in a syndication? There are endless options so I can understand why it's so confusing. Well, start with this.   ask yourself, what's the highest and best use of my time? If you're thinking about doing an HGTV fix and flip and your partner at a big law firm, for example, is that flip really the best use of your time? And don't be mistaken, a flip is transactional and it is active. So will you make more per hour on that fix and flip than you would at your job?   After you factor in the learning curve, the deal sourcing, the headaches, what it takes away from your job and everything else, it's not even close. Unless you truly love doing it, which some people do, it just doesn't make sense for high income earners. You should be focusing on transforming the income you earn actively into passive income streams. At different levels on the passive scale, that could very well be a single family rental or an Airbnb.   Seth Bradley (02:34.26) or could be passive investments into commercial syndications. But if you truly want to obtain financial freedom as quickly as possible, don't create more time consuming activities that aren't as fruitful as the active income stream that you already have. Focus on passive investments until you are financially free. And then you will have the freedom to transition or not into any   active activity you have a passion for. Today, we have a very special guest, Mr. Jay Scott of Bigger Pocket fame. Jay is an entrepreneur, investor, advisor, and the co-host of the Bigger Pockets Business Podcast. He has bought, built, rehab, sold, syndicated, and held over $70 million in residential property, and currently owns several hundred units. Jay is the author of four bestselling books on real estate investing,   with sales of over 300,000 copies. Get really excited for this, folks. You're in for a treat.   This is the Passive Income Attorney Podcast, where you'll discover the secrets and strategies of the ultra wealthy on how they build streams of passive income to give them the freedom we all want. Attorney Seth Bradley will help you end the cycle of trading your time for money so you can make money while you sleep. Start living the good life on your own terms. Now, here's your host, Seth Bradley.   Jay Scott, what's going on, brother? Welcome to the show.   Scott (04:09.196) Thanks. Appreciate you having me here Seth.   Absolutely, man. Appreciate you taking the time out of your day, We've got a little bit of history, but let's jump into your history, man. What's your story? Tell us about your background. Take it back as far you'd like to.   Yeah, I'll keep it short because nobody really cares about what I used to do. So I'm a tech guy by education and former trade. I worked in Silicon Valley for a long time, spent about 15 years doing the engineering thing and the product management thing. 2008 decided to get married. My wife and I, she was in the tech world also. We decided to leave and do something different so we could start a family.   focus on our family. Basically, we were both working ridiculous hours and it just wasn't sustainable if we wanted to start a family. So put our jobs in 2008, moved to the East coast, ended up flipping houses. Long, boring story about how that started, just kind of serendipitous. We didn't really plan it, never really considered real estate, but fell into flipping houses. Over the next eight years or so, we flipped about 400, 450 houses, was great. It ended up being the,   next career we were looking for, it gave us the flexibility to kind of raise our kids and never have to miss a soccer game or a piano recital, which was fantastic. But then around 2017-ish really got burned out on flipping houses and that's when I started to look for some new stuff to do. and that kind of leads me into what I've been doing the last few years.   Seth Bradley (05:41.742) That's awesome, man. That's a ton of houses you flip, man. think that that's, know, a lot of the folks who've been in the game for a long time, they've heard you speak on, you know, on bigger pockets and all of that. So, you know, what attracted you originally to house flipping rather than, you know, buy it holds or anything like that?   So I'll be honest, I don't love real estate. I love business. I'm a business guy. like when I was even when I was in the tech world, I got my MBA and I did some business development and I moved from the engineering side to the product side where I could be more involved in the business stuff. And I'm a business guy by heart. And that's what I love doing. So when it came to flipping houses,   For me, was, I could have been buying and selling anything. It ended up being houses. And again, not an exciting story. mean, literally the story was my wife was watching a show on HGTV with some people flipping houses and she said, let's give that a try. Just as kind of like a fun thing to do on the side while we were waiting for our wedding to come up. So it wasn't something that I ever thought about or planned to do. It just kind of happened.   And so if it weren't flipping houses, it would have been buying and selling something else. would have opened a restaurant or I would have opened a retail store or who knows what I would have done. But for me, the challenge was in the business. It wasn't the real estate piece of it. And so I've always enjoyed the scaling part. So yeah, flipping a house is great. Flipping five houses is great. But I always wanted to know, how do I go from flipping five houses to flipping 50 houses in a year? What are the systems and processes I have to put in place?   how do I build that type of business? That to me is what's exciting. And so for me, it's always been about not the real estate part of it, but about the building the business part of it.   Seth Bradley (07:25.248) I love that man. I don't think I've heard anyone just come out and say that, even though a lot of people are probably in the same boat as you that, you know, you don't have to love real estate to recognize that it's a great business. Right. Yeah. So that that's awesome. So tell me a little bit about your, your transition and what you're doing now, your current business, how you kind of progressed from house living to what you're about to tell us about.   Yeah, so 2017, I just got really burned out on flipping houses. It was good to us financially. We got good at it. I wrote a bunch of books on it, but I'll be honest, it was never fun. And as the years went on, it just ended up getting more tedious. I felt like I wasn't learning anything new. It was revising processes and creating new systems. it was fun, but I needed some new challenges.   So 2017, I decided, okay, done with flipping, actually went and started doing some business stuff. So I do some advisory work for some tech companies. I do some angel investing. And so for a few months, I actually considered getting out of real estate altogether, focusing on other business pursuits. But I actually, what I realized was that I didn't like the nuts and bolts of real estate. I liked the mechanics of real estate.   I loved the negotiation piece. I loved the asset management piece. I loved the putting deals together piece and I was good at it. And so while I really didn't wanna be flipping houses, didn't want to be involved in the day-to-day aspects of managing the projects. I enjoyed the deal part of real estate. And so in addition to that, after I stopped flipping, I had all this cash.   And I was like, okay, what am I going to do with this cash? I was using it to flip houses. We were doing 50 houses a year. It's put a lot of cash to work. Now I had all this cash. I'm a control freak. do invest in other people's syndications, but I don't sleep well at night when all my money is being managed by other people. So I said, how do I kind of take back control of my own cash as well as kind of get back into real estate? What can I do in real estate that I would enjoy? And now I can also deploy a bunch of my own cash. And what I realized was multifamily.   Scott (09:38.648) That was a great opportunity. And I had been thinking about multifamily for a long time. But what I realized was from the syndication side of multifamily, could, one, I could have the control. could be a general partner. could control the deal. I could put the deal together. I could manage the deal. But also I could come in on the limited partner side as an investor. And it was a great place to deploy my capital. So I could deploy my capital in deals that I had full control over. So 2017, I decided I wanted to get into multifamily, probably wanted to get into syndication.   I reached out to a friend of mine, Ashley Wilson, who managed a company called Barred Down Investments. She and her husband had started the company a couple of years earlier. They were doing exactly what I wanted to do. And so I reached out to Ashley and I said, hey, I would love to learn multifamily. I don't expect you to like just take all this time and teach me so I can often be your competitor. But here's what I am willing to do if you're willing to do this. I will come work for you for a year.   And in that year, you've got all my time, you've got all my energy, you've got all my knowledge, you've got all my contacts, I'll put money into your deals, whatever it takes. You mentor me for a year, you've got my commitment for a year. After a year, we can figure out if like, there's a place for me on the team or if I'll go off and do my own thing. But basically, let's work together for a year. And she loved that idea. mean, I think she liked the fact that I was really good with the systems and the processes and the operation stuff.   And I obviously loved the fact that I could jump into a team that was high functioning, already owned a lot of properties and was doing deals. So for the next year, I worked with her team. It took about a year and a half before we finally did a deal. But 2020, just before COVID, we started putting together a deal. That deal went really well. Ashley and I realized that we were like, just we made a great team.   We had a bunch of complimentary skills, the things that she was really good at, I wasn't, the things I was really good at, she wasn't, it was just a good partnership. Around the same time, her husband decided that he didn't really want to be doing real estate anymore. He kind of wanted to be a stay at home dad. He liked helping with the business. He ran the underwriting team and he did a lot of the analytics, but he didn't want to be a partner in the business anymore. So about a year and a half ago, Ashley came to me and said, Hey, would you want to join me and be a partner in the business?   Scott (11:57.678) 2020, 2021-ish. Ashley and I joined forces. She and I now run bar down investments and we do value add multifamily all around the country.   That's great man, said you weren't having fun anymore, you having fun now?   I'm having a ton of fun. And I think the big difference between then and now is when you're flipping houses, flipping houses is a very, it's a solitary venture. Yeah, you have contractors around you and you have eight real estate agents and you have closing agents and lots of 1099 people, lots of vendors and people that come in to help you. But at the end of the day, you're running the show. You're doing the four big things that you do when you flip houses.   you're acquisitions or you're running acquisitions, you're doing the rehab or you're running the rehab, you're doing the disposition or managing the disposition and you're raising the money. mean, all four of those things, you don't generally have a big team to do those things because it's just hard to scale a big team when you're flipping houses. The profits aren't there, the margins aren't there. Unless you're doing real high-end houses, the deal size isn't there. But in multifamily, the thing I love about multifamily is it really is a team sport. When you're doing it,   $10 million deal or a $50 million deal, it's not something that I could ever do myself. It's not something anybody or very few people can do themselves. Typically you have to be part of a team because things are very specialized. mean, the acquisitions piece, you need some of the best acquisitions people in the world to be finding deals in this market. The renovation piece to be renovating a 200 or 400 or 600 unit apartment complex, it's not like flipping a house. You need to have really good systems and processes. need to...   Scott (13:36.448) really know the renovation side of things. Managing the property, I mean, you have to know the asset management side. You have to know how to carry out a business plan. You have to know how to increase and reposition rents. You have to know how to decrease expenses and improve the efficiency of the management. And then on the sales side, that's a whole other world where you have to really know the market and be able to work with the brokers and know how to position the company for sale. And then finally, there's that raising funds piece.   And that's a whole world by itself, whether you're dealing with raising debt through a broker and you're going like just typical, like getting loans, or you're going out to private investors or institutions and you're raising equity, people that come in as partners. And I mean, that's a full-time job in itself, those two things. So when you do multifamily, you really need to figure out what are you great at? And then you need to surround yourself with people who are great at everything else. And so that's what I loved about multifamily. It allowed me to focus on what I was really   and then bring in people who are literally the best in the world at all the other stuff. And now it becomes a team sport. It goes from playing tennis to playing basketball. It goes from being yourself reliant and you have to do everything and be the best versus you have to be able to put together the best team and manage that team in a way that not only is everybody fantastic, but working together, they're better than the sum of their parts.   Yeah, yeah, that's fantastic, man. The whole team game part of multifamily and commercial real estate. It's really interesting because when you get into other businesses, it feels more competitive and kind of like if you if you have the secret sauce, you keep it close to your vest. You don't you don't tell everybody about it. Whereas when you're in this commercial real estate world, everybody's sharing ideas. Everybody's trying to partner. Everybody's trying to see how they can help you rather than just looking about, well, how can you help me kind of?   I call it, I'm gonna get in trouble here, but the Hollywood mentality where it's like, what can you do for me? Oh, you just drive a three series, you probably can't help me. So it's a different attitude.   Scott (15:41.294) Absolutely. I like to refer to it as co-op petition. It's like there are deals that you're going to do with other people and then there deals you're going to do yourself and you may come back to those people later. You may never come back to them, but everybody kind of looks out for each other because you never know when you may end up in a deal with somebody that previously you were competing against. And so anytime that you're not in a deal with somebody, you're still treating them as if, the next deal we could end up being partners. And the deal after that, we could end up being partners.   because it really is, it's a small industry, everybody knows each other. we really, again, going back to the sum of the parts is greater than the parts themselves. mean, working together, we can really do a whole lot more than if we just are purely competitive and try and take each other down.   Yeah, absolutely. And I think kind of going back, there's a lesson to be learned about how you were transitioning from house flipping and you were the best at it. And then you're like, okay, I want to go into multifamily and a syndication. You went and you sought out someone that was already in the game that knew what they were doing, that had the experience. And you said, what can I do to help you? What value can I bring to you to help you so you can teach me what you've done? And there's a lot of value to be found in that lesson for folks that are trying to   you know, get into the active side. A lot of listeners out there are passive investors already and they're, you know, maybe thinking about, maybe I want to do in the active side. And they're like, well, what can I do? Cause a lot of attorneys, especially in doctors and folks like that, they think they have this one track mind. They're only trained to do one thing. And they're like, what value can I provide as somebody else? But there are a lot of skills that you've learned in your W2 profession that you can apply to help other folks that are already in the industry.   Absolutely. I mean, I talk about it a lot, but even outside of real estate, I do a lot of advisory work and I'm still pretty active in the tech world. And I find companies that kind of bridge that gap between technology and real estate. all know about the Zillows and the Airbnb type companies. There are a lot of startup companies in that space too called property technology type companies. so...   Scott (17:46.998) I love to use my experience, my knowledge, my relationships to go into those companies and help them grow their companies. In return, I'm not an employee. I'm not even a 1099 contractor. In return, I'm getting equity so that if I can help make them successful, ultimately my equity is gonna be worth something. I'm gonna be successful as well. And so what I like to tell everybody like figure out what you're good at and then figure out who needs that expertise.   and then figure out how you can offer that expertise in a way that isn't trading necessarily hours for dollars. Figure out how you can trade your expertise, your knowledge, your Rolodex, your whatever it is for equity or potentially passive income so that you can grow potentially many fold as opposed to I charge $200 an hour or $300 an hour. mean, everybody loves $300 an hour, but the minute you stop working, you stop making that money. But if you can get equity, that equity can work for you for a while.   Yeah, absolutely. And it's tough for a lot of the WTs out there listening, they're highly paid professionals. It's tough to get off of that treadmill. For some folks it's easier because they're not making as much money, but for the lawyers, the doctors out there that are making a good amount of money in their profession, it's tough to try to see, you know, to stop trading time for money. But you've got to kind of see through the weeds there.   Yeah, well, what I tell people is, there's two types of income. There's your active income. That's the stuff that you're trading your time for, whether you're a doctor or a lawyer or an engineer or you're a house flipper or you're a consultant or you're a small business owner, whatever it is, that thing that when you stop working, you stop making money. And then there's a passive income. It's the thing you trade money for money. So you put your money out there and hopefully it continues to come back to you for the rest of your life or at least the next several years.   And so what I like to tell people is don't think about those the same. Those are completely different. figure out for your active income, figure out what the highest and best use of your time is. If you're gonna make more money as an attorney than you are flipping houses, don't flip houses just because you eventually want to retire on real estate. You can always use real estate for the passive side of things, but if you're gonna make more dollars per hour as an attorney or a doctor or a consultant, then do that because you wanna get out of that active income as quickly as possible.   Scott (20:05.9) And the way you do that is you make as much as you can and you move it over to the passive side. So focus on whatever it is that's generating the most dollars per hour for a shorter period of time so that you can then start moving that money over to the passive side and start building up the passive side. don't, people ask me all the time, should I flip houses or should I buy rentals? And I'm constantly telling them that's not the right question. Flipping houses is your active income. Compare that to all the other.   potential active incomes you can have. And rentals is passive income. Compare that to all the other passive investments you can make. And so don't say flipping houses or rentals say, should I be flipping houses or should I be an attorney? And don't say, I be flipping houses or rentals say, should I be doing rentals or should I be investing in syndications or dividend generating stocks or something else? And think of them very differently. then secondly,   Make sure as much of that active income as you can, move it over the passive side so that you can start that snowball rolling. I compound interest is the key to financial freedom. And the sooner you can put more money to work, the faster it'll compound and the sooner you can start to live on.   Yeah, I love that man. mean, lot of folks, you know, calls that I take, they're like, hey, they're attorneys. Should I quit my job or how do I quit my job? I'm like, if you want to quit your job, don't be hasty about it. First of all, you're probably making a good amount of money in your active income. You just need to figure out a way to transition that active to passive income and don't just quit your job. It's very difficult to flip houses, to do an HGTV fix and flip while you're working at a big law firm or something like that full time.   I tried to do it, I didn't do it very well. You're not even gonna make it nearly as much money as you would as a doctor, as an attorney, unless you get to level like you did, Jay, but that takes time and that takes a buildup of accumulation of skills and money to be able to get to that level.   Scott (22:05.826) Yeah, I mean, at the end of the day, it's a math equation. mean, your passive income or your ability to build up enough income to be able to retire, whatever your number is, is based on how much can you put in per month into that wheel, that passive income growth machine? How much are you generating every year on what you're putting in? So what do your returns look like? And three, how long do you have to compound it?   And so everybody can go out into a compound interest calculator and say, okay, I have $5,000 a month that I can invest passively and I can return 12 % per year and I need $6 million to retire. Well, based on those three numbers, you can now figure out that fourth variable, is how long is it going to take? And so figure out how much do you have per month to put in? What's the rate of return you can generate and how much do you need? And that'll tell you how long it's going to take or   figure out how much you have to put in, how much your return is gonna be and how long you wanna spend. And that'll tell you how much you'll end up with at the end, either way you wanna look at it. But again, it's a pretty simple math equation, but too many people don't actually do that equation where they don't think about it until too late and they think, I wish I would have taken that $5,000 a month that I was spending on my second home in the Bahamas and put that into real estate so that I could have been.   compounding it and so now I could buy that home for cash five years or 10 years later.   Absolutely. Attorneys hate math, but I think they can handle that little equation. I want to take a step back for a minute because you got into house flipping in 2008, which is kind of like around the big crash. And now we're kind of at the height of a market. We don't know where that height is going to end, but we're definitely in it. Right. So can you maybe compare and contrast getting into, let's say,   Seth Bradley (24:01.652) one real estate venture in the middle of a crash compared to getting into another venture kind of towards, towards the upswing.   Yeah, so it's one of the reasons I like multifamily and I like commercial and I like syndication. Anytime you're doing purely transactional deals, buying something and then selling it, not generating any cashflow in between, you run a risk. If the market turns in the middle of the transaction, you're gonna lose money and you don't have a lot of ways to mitigate that risk.   Whereas if you're buying something like an apartment complex, or even if you're buying a rental property, or you're buying a self-storage complex, or you're buying anything that cash flows, the nice thing is if the market turns, you may not be in a great position. You may not be thrilled with what's happening with the value of your assets, but if you're still generating cash flow, you can weather that storm. Maybe it's gonna take, the average recession lasts about 18 months. And so if you can make enough income that you can keep yourself afloat for 18 months, or maybe   it's a horrible recession and it lasts three or four years. If you're still making income and you can keep yourself afloat for three or four years, the market's gonna come back. And so when we do our multifamily deals, yeah, we typically say we're planning to hold three to five years, but we also do all the underwriting to ensure that if we have to hold for six years or eight years or even nine or 10 years, that the numbers still work because.   Again, who knows what's gonna happen three years down the road, we could have a major recession that lasts four years and now we're seven years down the road. I wanna know that my multifamily investments in seven years, they're probably gonna be producing more cashflow. We're probably gonna see more growth in terms of population. We're probably gonna see more growth in terms of employment. Hopefully we're gonna see more wage growth once we come out of that recession. So all the economic indicators that kind of lead towards value growth in multifamily,   Scott (25:58.486) are going to happen over those seven years if I can just get my property seven years and not lose it. With a flip, well, I'm not generating any income. So if the bank calls the loan due or if my two-year loan comes due and I can't refinance, I'm screwed. But in a multifamily, I just waited an extra couple of years and I'm probably in a better position than I was anyway. So that's one of the reasons I love multifamily because we can't predict   what the economy is gonna do in the next couple of years. But I do know that whatever the economy does, it's probably gonna come back in the next five or 10, and I'm still gonna have the problem.   Yeah, yeah, that's great. That kind of rolls into this next question. How does a passive investor that's kind of vetting a sponsor, how do they check kind of the boxes to see if their sponsors are taking the extra measures to look into those risks that you just mentioned, to mitigating those risks, to taking those risks into account in their underwriting and things like that. How can they best vet the sponsor to make sure that they're thinking of those things?   So I invest in a lot of other people's syndications as well as my own. And so when I do that, I kind of look at five areas for due diligence anytime I invest in a syndication. Number one is the team. And that's probably the most important thing. For a lot of people, I have been pleasantly surprised that a lot of our investors have recognized that team is the most important aspect of the deal. I know in the flipping world, everybody was concerned about the deal. Nobody cared about   what was my experience, but in the multifamily world, a lot of investors recognize that the team has to be great. So number one is the team. Number two is location. Location is often overlooked, but at the end of the day, the thing that's gonna drive value for multifamily and for commercial real estate in general is gonna be population growth. So you want more people coming into an area, employment growth. So you want more employers coming into an area that will bring more people in. You want wage growth because that will ultimately drive rents up.   Scott (28:06.082) and you want employment diversity. You wanna know that if one industry takes a big hit, so for example, we invest in Houston, but we won't invest in the energy corridor of Houston because it's so reliant on oil and gas, that if the oil and gas industry took a big hit, the real estate around there would probably take a big hit. So we wanna see that there's good employment diversity. But at the end of the day, location is that next big thing. So team, location, number three is the deal itself.   So you need to know that the deal is gonna stand on its own. I wanna know that if I took a deal and I handed it to pretty much any other indicator, they couldn't mess it up too badly. Obviously, again, we're gonna go back to the team is super important, but I want the deal also to stand on its own. And I wanna know that the business plan for the deal, the hold period, the numbers and the underwriting, the pro forma for the property makes sense. So team location deal.   Number four is the returns. So obviously when I invest with somebody, I'm in it for the money. And so I wanna see that the returns are commensurate with the risk. I wanna know that the returns, if somebody tells me I'm gonna get 10 % returns in this deal versus 20 % returns in another deal, I wanna know, well, why am gonna settle for lower returns? I want the answer to be because it's a lot lower risk or because you're gonna get your money back a lot sooner, which is gonna allow you to compound it or whatever the answer is.   I want to know that the returns make sense given everything else. And then finally is the risks. At the end of the day, I'm always going to sit down with the syndicator and I'm going to say, what are you most concerned about here? Like where, if I'm going to lose money on this deal, where am I most likely going to lose money? They say, there's no shot of losing money. walk away because we all know every deal has risks and every syndicator knows what those risks are. And they're thinking about those risks. I just want them to tell me.   So if I'm gonna lose money on this deal, where am I most likely? Why am I most likely to lose money if I'm going to lose money? So those are the five things that I look for. Talking about each individually a little bit more. the team, I like to know that one, I wanna see how many deals the team has done together because again, like a basketball team, you can put the best basketball players in the world together. And if they've never played on the court together,   Scott (30:31.672) they're not gonna be necessarily the best team out there. You can find another team with five inferior players who have been playing together for 20 years and they're probably gonna be better because they know each other better. So I like to see teams that have worked together for a while. I like to see teams that have gone full cycle in deals. So it's easy to buy 10,000 units. It's hard to buy 10,000 units and also sell 10,000 units for a profit. So I wanna see that if a team has bought a lot of deals, they've at least sold some for a profit.   I wanna see a team that's putting their own money in the deals. So I want people that have skin in the game. If they don't have skin in the game, and I've seen plenty of syndicators that don't like to put money in the deals, well, they need to sweeten the pot for me somehow. So maybe they're saying, we're not gonna take any profits until at least year three, or we're gonna give you a better preferred return, a better split than you would get if we were putting money in the deal. I wanna know if you're not putting money in.   that you're at least giving me something that aligns our interests and ensures that you're gonna be working hard even though you might not have as much financial risk. So those are the types of things I like to see in the team. I like to see things like at least one or two people working full-time. If everybody's part-time, that's kind of a little bit scary. Obviously not everybody has to be full-time because there are a lot of jobs on a GP team that aren't full-time jobs. There are a lot of jobs that might stop the day you purchase the property. Like the person that's raising money, job's   pretty much done other than communicating status when the property's been purchased. But I do want to know that whoever's managing the asset is doing it full time. So that's kind of the team stuff. Location, again, population growth, employment growth, wage growth, and employment diversity. So those are the four big things I look for. Next is the business plan. So I want to see the biggest question when somebody goes in and...   does what I do, which is a value add multifamily. Basically they buy it, they raise the value of the property and then they sell it for a big profit. Where is that profit coming from? Generally the profits coming from raising the rents. There's also some lowering the expenses, but at the end of the day, raising the rents is kind of the big thing that's gonna generate the big profits in multifamily. And so I wanna know how are you raising the rents? And two, when you tell me that you're raising the rents from X to Y, where is Y coming from?   Scott (32:55.182) Show me the comps that tell me that why is a reasonable new rent, market rent for this property after you've done the renovation. So I wanna see the comps. So that's kind of the deal. The returns speaks for themselves. I wanna see like the structure of the deal. So when's the money coming back to me? Is it paid monthly? Is it paid quarterly? What are the returns look like? What's the preferred return? So is it a low preferred return, which means   that the syndicators are getting paid sooner, whereas at a higher preferred return, which means the syndicators have to do more for me before they take anything home. So that speaks for themselves. And then for the risks, I wanna know both the catastrophic risks. So what's the thing that's like going to make me lose all my money? Is there something out there that can cause me to lose all my money? Hopefully the answer is no, but there are probably some risks that are bigger than others. So we do a lot of deals in Houston. If somebody were to say to me, what's the biggest risk on your deals?   The answer is generally going to be weather. If we have a really bad hurricane, if we're in a flood zone, we probably have flood insurance and we have hurricane insurance. But if it's in a place that's never experienced the negative impacts of a flood or a hurricane, and we are not required to have flood insurance, but there's still a massive hurricane that wipes out that property, that's not going to be good. We're going to have to pay for that ourselves. So what's our mitigation there? We don't have a great one. Luckily.   the risk is really low. We don't buy in areas where there is that risk. And if there is, we're gonna get flood insurance. But I do want my investors to know that no matter where you invest, whether it's a risk and especially in Houston, if we see a storm bigger than anything we've seen the last 50 years, some of our properties could be at risk. And then there are the smaller risks. So maybe there's five other complexes being renovated all around us. Maybe there's class A, brand new class A being developed.   all around us. So basically our absorption of units is going to slow down because there's so many more units. Maybe there's one big employer in the area. Amazon just built a warehouse that's employing 8,000 people. Well, what happens if Amazon has a bad year and has to lay off 4,000 of those people? How's that going to affect us? So, so risks is the next thing. And the way I approach it is I literally sit down with the, with the syndicator and say,   Scott (35:15.554) What keeps you up at night? What are the biggest things you're concerned about? And so those are the things that I do. I have no problem basically saying to a syndicator, I need 15 or 30 minutes of your time to ask these questions. Typically the good ones will either find the times themselves or have somebody on their team that will sit down and answer these questions. If they're not willing to answer those questions, well, that's probably a good indication that that's not a good team.   Yeah. For our listeners out there, that breakdown was incredible. Rewind that, listen to those five items again. That's a quick, but thorough and awesome rundown of what you need to do. Just as at least the starting points for your due diligence. And that's, that's great that you said if they won't book a call with you either themselves or an investor relations person on their team, then it's time to, you can just walk away and look at the next, look at the next deal. One question I had on the deal.   So a lot of folks, it's kind of overwhelming to see an underwriting model or something like that. And being a passive investor, I don't know how much you even want to dive into it. Some people do, some people want to nerd out on it. Most people don't. And we don't generally have access to the T12 or the rent roll or anything like that. What are maybe some quick tips on how to maybe proof through that pro forma to make sure that the assumptions are reasonable and the pro forma is generally   a reasonable prediction of what we might expect from that investment.   Well, let me start, me take a step back before I answer that particular question and just say that even for you and me, mean, you know how to do an underwriting, I know how to do an underwriting. If you or I were gonna invest in somebody's deal, Joe Smith's deal, we're probably not gonna have enough information even though we know this business really well and we know the underwriting models really well, we're probably not gonna have enough information.   Scott (37:08.908) that we're going to be able to know for certain that Joe Smith's not trying to scam us out of money. So if Joe Smith is really smart and he could probably put together an underwriting that could fool us because we're just not gonna be putting in as many dozens of hours underwriting as he and his team are. So the number one thing I would say is make sure you trust your syndicate. This goes back to why team is so important.   because there's two types of things that Joe Smith can do. One, he could do a bad job of underwriting and come up with bad numbers. That's not good, but that's not nearly as bad as Joe Smith wanting to scam us out of money. So number one is make sure Joe Smith's not the kind of guy who wants to scam us out of money. And so work with people who are reputable. And that's why I would invest with you before I would invest with 95 % of syndicators out there because you're an attorney, you passed the bar.   you know that if you go and somebody finds out that you're trying to scam somebody, well, you're putting your entire career at risk. And so what I tell people is, so what do you have that really proves that this person is on the up and up? And maybe it's a track record. Maybe it's 10 or 15 years of doing deals. Maybe it's, I like to think with me, I've been doing this business for 15 years. I've done thousands of deals with hundreds or thousands of people.   And if you go out on the internet, nobody's gonna, you're not gonna find anything that's written negatively about me. So that's a good sign. But make sure that there's something out there that gives you faith in that syndicator, even if it's just somebody else that's invested in a couple of deals with them. So that's number one. So that's the way to rule out that catastrophic, they're trying to scam you risk. Then there's the more likely, what if they just didn't do a good job of underwriting risk?   And so for that, would say for people that have very little knowledge of how the underwriting works and how the numbers work, it can be really difficult. And so what I like to do is, or what I recommend people do is sit down and ask to do a Zoom call for 15 minutes with the investor relations person and say, hey, will you kind of walk me through the high level underwriting? And at least force them to go through and then just ask questions.   Scott (39:30.958) when they say something, even if you have no idea what you're talking about and they say, well, it looks like we're gonna be able to reduce expenses by implementing a rub system, blah, blah, blah. Oh, okay, well, what is rubs and how does that work? And at least make them explain it to you. At least then you'll get an idea that they're not making it up as they're going along, or at least you'll get that confidence that it sounds like they know what they're talking about. But the biggest thing that I would say is that whole comps thing.   And this is a question that a lot of people don't like to ask. But I actually, and when people ask me this question, it always makes me nervous because it's the hardest part of the business, but it impresses me when people do. to the underwriting or the investor relations person, what are the comps that you used for your post renovation market rents? So again, the thing that drives values in multifamily is after the renovation is completed, in theory, you should be able to bring your rents up higher.   and your rents, those higher rents, you should be able to figure out what they are by looking at other units that have already been renovated and seeing what their rents are. So if I buy one, two, three Main Street, and I know I'm going to put $8 million into it, well, now that property is going to comp out to 678 Main Street. And well, what are the rents at 678 Main Street? And so by asking, hey, so you're buying one, two, three Main Street, what are the comps for the rents after you renovate?   and they tell you, it's going to be 678 Main Street and 123 Smith Street, whatever it is, you can then go look up those properties and say, okay, well, it looks like a two bedroom at those properties is renting for 1200. Now I go back to the investor relations person or whatever information they gave me I see, oh, okay, after renovation, they have their rents at 1200. Makes sense. If that's a reasonable comp, they now have the rents at kind of where they should be.   If he says that six, seven, eight main streets, a comp, and you go look in a two bedroom at six, seven, eight main streets, 1200, but their underwriting tells you that after they do the renovation, they're going to be charging 1500. Well, why are you now $300 above this property that you said was a comp? And so that to me is kind of the first thing that I look at or the biggest thing I look at is what are the comps that they're using and does just a kind of first pass.   Scott (41:57.762) jumping on apartments.com or calling the complex and asking them what different things rent for. Does that coincide with what they're telling you their post renovation rents are gonna   Yeah, I love that man. I mean, it's not as simple as just going into an old dilapidated apartment building and saying, I'm to put granite countertops and hardwood flooring and stainless steel appliances in there. And then I'm going to triple the rent or double the rent. It's not that easy. If it's not in the right area that could support those, those market rents or that have potential tenants that want those types of things, it doesn't work. So that's why that's so important to check those comps to see what's around those apartments that you're going to be investing in to see if, they can achieve those.   those proforma rents. All right, man, before we jump into the freedom four, what's one last gold nugget for our listeners?   Absolutely.   Scott (42:45.634) Yeah, so again, what I would tell people is figure out your highest and best use on your active side. And then for the passive side, figure out how you're gonna scale. And I know a lot of people like to invest in a whole lot of different things, but I'm a big fan of doing some work so that you don't have to diversify as much. Diversification is great, but diversification,   is for people who aren't really an expert in anything. If you want to get your best returns, the way to get your highest level of returns is not to have to diversify. And the best way not to have to diversify is to get knowledgeable about whatever you're investing in. So if you decide you wanna invest in all your syndications, just cause that's what you and I do. So it's an easy example. If you want to invest in syndications and that's how you wanna grow your nest egg, my recommendation is,   get as much information about syndications as you can. Pick up a good book on syndications. Go find somebody that does syndications and say, hey, I'd to pay you a thousand bucks for five hours of your time. Or you just to walk me through what a typical deal looks like or what the underwriting looks like. Or go sit in on a hundred multifamily syndication investor videos, presentations. So you can see all the different things they're talking about and become as much of an expert there as you can. So that way you're reducing your risk without having to do a lot of the.   diversification. So focus on whatever your highest and best use of time is on your active income and then become as knowledgeable as you can for whatever you're investing in passively. What I like to say on the passive side is it's not truly passive. Nothing's truly passive. But the best investments are the one where all the work is done upfront. You do your due diligence and then it becomes passive.   Yeah, that's awesome, man. And then what you can do though is diversify within that strategy, right? Absolutely. Yeah, different asset types can have different business strategy, value add, or maybe you're dealing with just a class A where you're chasing yield or across different cities, different geographies, or across different sponsorship teams. There's other ways to diversify within that same type of investment strategy. Yep. All right, man, let's jump into the Freedom 4.   Scott (45:05.598) It's time for the Freedom Four.   What's the best thing you do to keep your mind and body healthy?   So for me, it's admitting when I need a break. I know so many people that it's a badge of honor to work 80 hours a week, 52 weeks a year, never take a vacation. I'm just the opposite. If I wake up one morning and I'm tired and I don't feel like working and I don't feel like I'm gonna be productive, I will grab a book. I might even turn on the TV. I might say to my wife, hey, let's go to breakfast or let's go spend the day, let's go to a movie.   And I have no qualms with just saying, I need a break today. Today's not gonna be a productive day. I don't need to pretend to work just so I can have that badge of honor that I work hard. And so, yeah, and that's one of the nice things about real estate. mean, I don't have a hundred percent flexible work-life balance. I can't do anything I want any time I want, but if I wanna take a couple hours off, I normally can. And so I'm not scared to do that.   Yeah, yeah, that's a great answer. With all your success, what is one limiting belief that you've crushed along the way and how did you get past it?   Scott (46:15.734) Yeah, I still have a lot of them. I think we all do. But I'd say the biggest one is that doing a big deal is not that much harder than doing a little deal. I'm not going to say a hundred million dollar deal is just as easy as a hundred thousand dollar deal. But if you're smart enough to do a hundred thousand dollar deal, you're smart enough to do a hundred million dollar deal. And the people that are out there doing those hundred million dollar deals, mean, we have, we now have a hundred million dollars assets under management.   I remember a couple of years ago, looking at the people that had nine figures under management and thinking, they're different. I can't do that. These are people, went to some school that I will never go to, or they were born into something that I was never born into, or they know people I don't know, or whatever it is. No, they're normal people. And the only difference between them and me was I wasn't thinking big enough.   and I wasn't willing to take some risks and I wasn't willing to acknowledge the fact that doing again, a hundred million dollar deal is certainly within my capabilities. So that to me has been probably the biggest one and it's made it a lot easier for me now to say, okay, $50 million deal, let's go do it, not think twice.   Yeah. I had a similar experience working in, in, big law, doing house flips, doing single family rentals, things like that. And even though my clients are doing 50, a hundred million dollar deals and I'm helping them close those deals, it was just like the mindset shift that, a minute, I can do those deals too. I'm actually giving them advice on how to, how to do this thing. I need to step up my game and, and, take some.   Exactly, it's the difference between people doing a hundred million, a hundred thousand, it's all mindset.   Seth Bradley (48:00.866) Yep, absolutely. What's one actual step our listeners can do right now to start creating more freedom.   take action. So the biggest thing that I see stopping people is just this fear to take the first step. And I know this doesn't apply to a lot of your listeners, but I talked to a lot of people who want to get into house flipping or they want to get into rentals and they've been thinking about it for years and they just never take that first step and then they end up giving up. One of the the few truisms I see in this business   is that there are two types of people I meet. Number one, I meet people that have never done a deal. They've done zero deals. And maybe they're still working on it. Maybe they've given up whatever it is, but they've done zero deals. And then the other type of people I meet in this business are people that have done a lot of deals. They've done five or 10 or 20 or 50 deals. There's one type of person I never ever meet in this business. And that's somebody that's done one deal. Because if you get that one deal, you're gonna get the second and the third and the fifth and the tenth.   Nobody does one deal and then says, okay, that's it, I'm done. can't do this. So what I like to tell people is, and that applies to a lot of things in life. If you can get over the hump and do it once, you're gonna get that snowball effect and it gets easier the second time. It gets even easier the third, it gets even easier the hundred. So don't give up until you achieve that first step or that first iteration of whatever it is you wanna achieve because that's gonna get that snowball rolling.   Yeah. Yeah. We preach that on their show all the time. Just like, you know, just do a deal, just invest in a deal so you can get that experience and it'll just kind of open up your mind to other opportunities. You'll just see opportunity all around you. Once you just do one deal last but not least, how it's passive income made your life better.   Scott (49:51.886) Passive income has given me the ability and the confidence to raise a family. Before this, my biggest concern with raising a family was I didn't want to be, I had, my parents were great, but my parents were always working. And I didn't want to be the same type of father that my parents were. Again, they were fantastic, but I wanted to always be there. I wanted to be at every soccer game, every piano recital.   I wanted to be able to go into school for the parent-teacher conferences. so passive income has really given me the ability to build my life around my family as opposed to building my life around   Love that, love that. It's been fantastic, brother. We're gonna listen and find out more about you.   Yeah, anybody wants to get more info, go to www.connectwithjscott, just letter J, Scott, connectwithjscott.com, and that'll link you out to everything you might wanna find.   Awesome man. Talk soon.   Scott (50:54.945) Awesome. Thanks,   All right, Mr. Jay Scott from Master House Flipper to multifamily syndicator. He's a master of creating profitable, well-oiled business machines. I've been reading Jay's bigger pockets books for years and it's awesome to have the opportunity to have him on the show today. Major key, focus. Focus on transitioning your active income to passive income and don't get distracted. All right, if you're ready for a change, you're ready to take action.   partner with us on one of our next passive real estate deals. Go to passiveincomeattorney.com and join our Esquire Passive Investor Club. All right, kiddos, as always, enjoy the journey.   Thank you for listening to the Passive Income Attorney Podcast with Seth Bradley. Do you want more ideas on how to generate multiple streams of passive income? Then jump over to passiveincomeattorney.com for show notes and resources. Then apply for the private Facebook community by searching for the Passive Income Attorney on Facebook. And we'll see you on the next episode.   Links from the Show and Guest Info and Links: Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en J. Scott's Links: https://www.linkedin.com/in/jscottinvestor/ https://www.instagram.com/jscottinvestor/ https://x.com/jscottinvestor https://linktr.ee/jscottinvestor

Dan McConchie shattered expectations when he became the first paraplegic elected to the Illinois state legislature. His remarkable journey from military service to groundbreaking political advocacy unfolds in this raw, candid conversation recorded at the Abilities Expo in Chicago.McConchie's story begins with military service as Army infantry and military police from 1989 to 1998. Life changed dramatically when a hit-and-run motorcycle accident left him with a spinal cord injury in 2007. With extraordinary resilience, he rebuilt his life only to face another devastating setback—breaking his back a second time during adaptive skiing, which worsened his injury from T12 to T9. Rather than surrender to circumstance, McConchie channeled his experiences into public service.During eight and a half years in the Illinois Senate, McConchie transformed accessibility in government. Now leading a nonprofit focused on accessibility policy nationwide, McConchie continues fighting for practical solutions to everyday challenges faced by people with disabilities.The conversation delves into shared experiences of isolation and the profound importance of finding community among others who understand disability challenges. Through it all, McConchie's message resonates clearly: "How can I make the world a better place today with the powers that I've got?" His work proves that advocacy, education, and representation are powerful tools for creating a more accessible and inclusive society. Subscribe to Life to the Max for more conversations that challenge perceptions and inspire action.

Join Sis and Big Pops for a fun, fun talk about one of the things we love most—Nerd Stuff. (NOTE: Spoilers from FF First Steps at the end of the podcast.) We discuss our fav bits of nerd news: Taylor Laughter: Werewolf Hunter, a new movie, Taylor Swift announcing T12, some funny news about Alan Tudyk from iRobot, M&M are redoing famous Marvel covers on Marvel comics, the new Teaser for Invasion, Hotwheels has released a new Jaws boat car in honor of the 50th anniversary of Jaws, the Naria TV-show directed by Gretta Gerwig has started filming, and Dwayne Johnson was almost partly AI in the “live action” Moana movie. For bingeing, Big Pops has been playing Mario Kart Tour. He's also watched Made in Manhattan, Marry Me, The Mulligan, The Snyder Cut, Star Trek: Brave New World, and is re-reading all the Fantastic Four books from the beginning.  Sis has been watching Doctor Who, Avatar, Avatar 2: The Way of Water, playing Tales of the Shire on Switch, and is still reading a LOT. Then, Pops shared his pull list! This week he introduces us to Wonder Woman Issue 23 by DC; Ultimate Spiderman Issue 19 by Marvel; and Assorted Crisis Events Issue 5 by Image. His new number 1 is Fantastic Four Presents: Franklin Richards, Son of a Genius, featuring Herbie a possible one-shot by Marvel. His Book of the Week is Superman Issue 28 by DC. And last but not least, we review the movie “Fantastic Four: First Steps.”

Author : Charles Chin Narrator : Eric Valdes Host : Matt Dovey Audio Producer : Eric Valdes PodCastle 903: On the Shoulders of Giants is a PodCastle original. content warning for suicidal ideation Rated PG On the Shoulders of Giants by Charles Chin I was born a T12. Sure, it was the lowest of the […] The post PodCastle 903: On the Shoulders of Giants appeared first on PodCastle.

In this special bonus edition of Next on the Tee, I get to share time with two incredible guests who each taught me something game-changing—especially for those of us playing golf after 50. First up is fellow Yinzer and fan-favorite Rocco Mediate. Rocco was recently featured in the inspiring new documentary Steel Links, hosted by former Pirates star Neil Walker and featuring Pittsburgh icons like Charlie Batch and Carole Semple-Thompson. We talk about that project, but we also go deep into Rocco's memories of playing in the 1994 U.S. Open at Oakmont alongside Mr. Palmer during his final appearance in the championship. Despite needing back surgery, Rocco wasn't going to miss that moment. He shares what it was like inside the ropes with The King and what he said to him on the 18th green that sent Mr. Palmer's emotions over the edge. Rocco also shares his emotions following his recent victory at the Furyk & Friends event, plus he shares a tip he posted on Instagram that gave me 10 more yards and straighter shots—a true key to better golf after 50. Then I'm joined by PGA Tour veteran and elite instructor Larry Rinker. Larry opened my eyes to how much I still have to learn about the golf swing. He walks us through the Wright Balance system and its three swing models, explains what I was getting wrong, and provides clear insight that will help your game. We also reflect on his T12 finish at the 1992 Open at Muirfield, his Masters experience, including playing the Par 3 contest with Gary Player and Gay Brewer, and the pressure of surviving Q-School. He even shares a great tip for holing more downhill putts. It's a jam-packed, fun, and informative episode I know you'll enjoy.

Primer episodio especial donde charlamos con dos de los personajes que ya hemos entrevistado en Lengua. Los padrinos de esta serie de programas especiales, que saldrán al término de cada temporada, son Lourdes Ruán y Enock Garza. Para saber más de ellos puedes encontrar sus entrevistas en la T12, episodio 6 y en la T6, episodio 8 respectivamente. ¡Qué lo disfrutes!

Will Doctor gives you the sharpest card for the John Deere Classic. -Reviewing Detroit -Discussing top 8 favs on odds board -2 matchups -2 t20's -3 outrights (33/1, 80/1, 80/1) -Sleeper, 3 FRP -2 lineups, scoring, best bet Will Doctor opens his podcast with enthusiasm over Aldrich Potgieter's dramatic win at the Rocket Mortgage Classic. At just 20 years old, Potgieter emerged victorious in a five-hole playoff against Max Gray Sherman and Chris Kirk. Doctor notes he had picked Potgieter pre-tournament at 125-1 odds, resulting in a monumental gain of 125.8 units that flipped his season from -72.9 to +52.8 units. Potgieter's rounds of 62-70-65-69 highlighted both brilliance and resilience, especially his Saturday bogey-free 65 that earned him a two-shot lead. Despite criticism that most birdies came on the front nine, Doctor praises his short game, particularly ranking fifth in strokes gained around the greens in round three and gaining over a stroke total in that category. Chris Kirk, a six-time PGA Tour winner, had a promising start with back-to-back 65s. Despite dealing with recent game struggles and nearly withdrawing from the U.S. Open, he performed well and missed chances to win with two putts inside 16 feet on 18, in both regulation and the playoff. Max Gray Sherman impressed with birdies on two of his final three holes to make the playoff, including a 35-foot birdie on 16. Though he missed several putts in the playoff, Sherman's calm demeanor and improved ball striking stood out, crediting his caddy Adam Barmer. Doctor sees Sherman as a strong future contender. Doctor critiques Twitter pundits who downplayed Potgieter's Saturday round and emphasizes the significance of the playoff diversity: a 20-year-old, 30-year-old, and 40-year-old competing. He applauds CBS's emotional broadcast moments, such as shots of the players' fathers during the finale. Other notable performances included Will Gordon saving his PGA Tour card, Monday qualifier Brett White making the cut, and rising stars like Michael Thorbjornsen and Jackson Suber getting in the mix. He recaps bets: Potgieter's win was the headline; Champ and Sherman top-20 picks also cashed. Picks that failed included Stephen Jaeger, who struggled with his worst driving week in 25 starts, and Lee Hodges, who fell from contention with a poor third round. As he pivots to the John Deere Classic, Doctor emphasizes traits needed at TPC Deer Run—bombers off the tee, sharp wedge play inside 125 yards, and strong putting on bentgrass. He notes the course has the ninth-widest fairways on Tour, making driving accuracy less critical but not to be ignored. He analyzes top players: passes on Ben Griffin due to fatigue, but likes Jason Day for a top-10 finish citing strong approach stats from 125-150 yards. He dismisses Denny McCarthy at 28-1 due to recurring poor third rounds, weak approach metrics, and no PGA wins. JT Poston is faded for weak iron stats despite being a past Deere champion. Si Woo Kim is heavily criticized—missed cuts, poor putting, and negative recent stats. Doctor proposes betting Jason Day over Si Woo Kim and two other Kim fade matchups. Doctor's top pick is Michael Thorbjornsen at 33-1, citing elite driving (2nd on tour), strong recent finishes, and solid putting. Thriston Lawrence is his second outright at 80-1, noting improved ball striking and three top finishes in recent events, including T12 at Oakmont. Cam Champ, also at 80-1, rounds out the outrights. Champ has been positive in all stat categories the last two weeks and historically played well at Deer Run. Other bets include Jackson Koivun over Quade Cummins, Jason Day top 10 (+225), Champ top 20 (+320), and Thorbjornsen top 20 (+137) as the best bet. Doctor offers three first-round top-10 picks: Thorbjornsen, Pearson Cootie, and Champ. He concludes with two DFS lineups and predicts the winning score at -23. For the latest on the world of golf, follow Doc on X @drmedia59 Learn more about your ad choices. Visit megaphone.fm/adchoices

Will Doctor gives you the sharpest card for the John Deere Classic. -Reviewing Detroit -Discussing top 8 favs on odds board -2 matchups -2 t20's -3 outrights (33/1, 80/1, 80/1) -Sleeper, 3 FRP -2 lineups, scoring, best bet Will Doctor opens his podcast with enthusiasm over Aldrich Potgieter's dramatic win at the Rocket Mortgage Classic. At just 20 years old, Potgieter emerged victorious in a five-hole playoff against Max Gray Sherman and Chris Kirk. Doctor notes he had picked Potgieter pre-tournament at 125-1 odds, resulting in a monumental gain of 125.8 units that flipped his season from -72.9 to +52.8 units. Potgieter's rounds of 62-70-65-69 highlighted both brilliance and resilience, especially his Saturday bogey-free 65 that earned him a two-shot lead. Despite criticism that most birdies came on the front nine, Doctor praises his short game, particularly ranking fifth in strokes gained around the greens in round three and gaining over a stroke total in that category. Chris Kirk, a six-time PGA Tour winner, had a promising start with back-to-back 65s. Despite dealing with recent game struggles and nearly withdrawing from the U.S. Open, he performed well and missed chances to win with two putts inside 16 feet on 18, in both regulation and the playoff. Max Gray Sherman impressed with birdies on two of his final three holes to make the playoff, including a 35-foot birdie on 16. Though he missed several putts in the playoff, Sherman's calm demeanor and improved ball striking stood out, crediting his caddy Adam Barmer. Doctor sees Sherman as a strong future contender. Doctor critiques Twitter pundits who downplayed Potgieter's Saturday round and emphasizes the significance of the playoff diversity: a 20-year-old, 30-year-old, and 40-year-old competing. He applauds CBS's emotional broadcast moments, such as shots of the players' fathers during the finale. Other notable performances included Will Gordon saving his PGA Tour card, Monday qualifier Brett White making the cut, and rising stars like Michael Thorbjornsen and Jackson Suber getting in the mix. He recaps bets: Potgieter's win was the headline; Champ and Sherman top-20 picks also cashed. Picks that failed included Stephen Jaeger, who struggled with his worst driving week in 25 starts, and Lee Hodges, who fell from contention with a poor third round. As he pivots to the John Deere Classic, Doctor emphasizes traits needed at TPC Deer Run—bombers off the tee, sharp wedge play inside 125 yards, and strong putting on bentgrass. He notes the course has the ninth-widest fairways on Tour, making driving accuracy less critical but not to be ignored. He analyzes top players: passes on Ben Griffin due to fatigue, but likes Jason Day for a top-10 finish citing strong approach stats from 125-150 yards. He dismisses Denny McCarthy at 28-1 due to recurring poor third rounds, weak approach metrics, and no PGA wins. JT Poston is faded for weak iron stats despite being a past Deere champion. Si Woo Kim is heavily criticized—missed cuts, poor putting, and negative recent stats. Doctor proposes betting Jason Day over Si Woo Kim and two other Kim fade matchups. Doctor's top pick is Michael Thorbjornsen at 33-1, citing elite driving (2nd on tour), strong recent finishes, and solid putting. Thriston Lawrence is his second outright at 80-1, noting improved ball striking and three top finishes in recent events, including T12 at Oakmont. Cam Champ, also at 80-1, rounds out the outrights. Champ has been positive in all stat categories the last two weeks and historically played well at Deer Run. Other bets include Jackson Koivun over Quade Cummins, Jason Day top 10 (+225), Champ top 20 (+320), and Thorbjornsen top 20 (+137) as the best bet. Doctor offers three first-round top-10 picks: Thorbjornsen, Pearson Cootie, and Champ. He concludes with two DFS lineups and predicts the winning score at -23. For the latest on the world of golf, follow Doc on X @drmedia59 Learn more about your ad choices. Visit megaphone.fm/adchoices

It's been a massive month for Paralympian Jaryd Clifford. Fresh off breaking his own World Record in the T12 1500m, Jaryd joins Elise Beacom to talk about his race in Nice, France, where he ran 3:40.34 in a return to career-best form. Jaryd also speaks out about his competitor, Spanish athlete Yassine Ouhdadi who's recently been handed a three-year suspension after testing positive for banned anabolic steroid, Clostebol. Ouhdadi won gold in the T13 5000m at the Paris Paralympics and will forfeit his medal because the test sample was taken before the games. Ouhdadi beat Jaryd (who won silver) at both T13 5000m events at the Tokyo Paralympics in 2021 and the World Championships in Paris 2023. Listen to Run With It - Episode 15 with Jaryd Clifford Jaryd's statement on Instagram International Paralympic Committee statement Follow us on Instagram: @jarydclifford @runwithit.pod @elisebeacom -- Music by Dan Beacom Graphic design by Kate Scheer

  Summary In this Pain Exam Podcast episode, Dr. David Rosenblum discusses a journal club article on low volume neurolytic retrocrural celiac plexus blocks for visceral cancer pain. The study reviewed 507 patients with severe malignancy-related abdominal pain, with data retained for 455 patients at the 5-month mark. Dr. Rosenblum explains that the procedure involves injecting 3-5ml of 6% aqueous phenol at the T12-L1 level under fluoroscopic guidance, with an average procedure time of 16.3 minutes. The study found significant pain relief lasting up to six months, reduced opioid consumption, and improved quality of life for patients with primary abdominal cancer or metastatic disease. Dr. Rosenblum shares his personal experience with celiac plexus blocks, including the trans-aortic approach he trained on, and mentions his interest in ultrasound-guided approaches. He also announces upcoming teaching engagements at ASPN, Pain Week, and other conferences, as well as CME ultrasound courses available through nrappain.org. Additionally, he mentions a new community page on the website where users can share board preparation information, though he emphasizes that remembered board questions should not be posted as he is a board question writer himself. Pain Management Board Prep   Ultrasound Training REGISTER TODAY!   Create an Account and get Free Access to the PainExam- NRAP Academy Community Highlights Introduction and Upcoming Events Dr. David Rosenblum introduces the Pain Exam Podcast and shares information about upcoming events. He mentions teaching ultrasound at ASPN in July, attending Pain Week in September, and participating in the Latin American Pain Society conference. Dr. Rosenblum also promotes his CME ultrasound courses available at nrappain.org and mentions he's considering organizing another regenerative medicine course in fall or winter. He offers private training for those wanting more intensive ultrasound instruction. Board Prep Community Announcement Dr. Rosenblum announces a new community page on the nrappain.org website for board preparation. He explains that registered users can access free information and keywords relevant to board exams. He emphasizes that users should not post remembered questions as this would be inappropriate, noting that he himself is a board question writer for various pain boards. Dr. Rosenblum mentions that a post about phenol in this community inspired today's podcast topic. Journal Article Overview on Celiac Plexus Block Dr. Rosenblum introduces a journal article on low volume neurolytic retrocrural celiac plexus block for visceral cancer pain, a retrospective review of 507 patients with severe malignancy-related abdominal pain. He explains that the study assessed pain relief provided by this procedure, its duration, reduction in daily opioid consumption, and quality of life improvements. The patients received neurolytic blocks without previous diagnostic blocks due to multiple comorbidities, which Dr. Rosenblum acknowledges is sometimes necessary with very sick patients despite the typical preference for diagnostic blocks before neurolysis. Dr. Rosenblum's Personal Experience with Celiac Plexus Blocks Dr. Rosenblum shares his personal training experience with trans-aortic celiac plexus blocks, where a needle is inserted through the aorta after confirming no plaques or aneurysms are present. He describes it as a safe and effective procedure despite sounding intimidating. He mentions he's only performed a handful of these procedures and doesn't do many now as an outpatient pain doctor. Study Methods and Results Dr. Rosenblum details the study methods, noting that of 507 patients studied, data for 455 was retained at the end of the review. Patients were evaluated before and after the neurolytic retrocrural celiac plexus block under fluoroscopic guidance. Assessment included procedure duration, pain scores (0-10 scale), daily opioid consumption, and quality of life improvement. Follow-up was completed six months after the procedure, showing improved pain scores, reduced opioid consumption, and better quality of life throughout the study period. Some pain returned during months 4-6 due to disease progression and the anticipated duration of the neurolytic agent. The study noted a 6.7% initial vascular contrast uptake during the procedure while using digital subtraction angiography with fluoroscopy. Study Limitations and Conclusions Dr. Rosenblum discusses the study's limitations, including the need for a larger sample size and a prospective trial with a control group, though he acknowledges this is unrealistic given the patient population. He mentions that a proven quality of life questionnaire would be beneficial, and that comparing alcohol, phenol, and RF thermocoagulation would be interesting to evaluate duration effects and side effects. The study concluded that low volume neurolytic retrocrural celiac plexus block with phenol is safe, providing up to six months of pain relief for abdominal pain due to primary malignancy or metastatic spread. Detailed Procedure Technique Dr. Rosenblum explains the detailed procedure technique used in the study. The retrocrural celiac plexus was targeted at L1 level with aim towards T12. Anterior and posterior radiographic imaging aligning the spinous process of T12-L1 junction was used with 15-20 degree oblique rotation. Local anesthetic (1% lidocaine with sodium bicarbonate) was infiltrated along the injection path. A 22 or 25 gauge 3.5-7 inch curved spinal needle was used depending on patient body habitus. Dr. Rosenblum notes he typically uses a 6-inch Chiba needle or 25 gauge spinal needle for such procedures. Procedure Execution and Monitoring Dr. Rosenblum continues describing the procedure, noting that the needle was advanced to the anterior border of T12-L1 under multiple imaging views. Contrast dye studies verified spread and location, with digital subtraction angiography used to check for intravascular uptake. A test dose of 1ml of 0.5% bupivacaine with epinephrine per site was administered, which Dr. Rosenblum finds interesting as he typically doesn't mix bupivacaine with epinephrine. After confirming no vascular uptake, 3-5ml of 6% aqueous phenol was injected in 1ml aliquots while communicating with the patient. The average procedure time was 16.3 minutes with minimal or no sedation. Patients remained prone for 30 minutes afterward to avoid neuroforaminal spread, as phenol is heavier and more viscous than alcohol. Post-Procedure Care and Study Evaluation Dr. Rosenblum explains that patients were monitored in recovery for one hour for adverse events and their ability to eat and void easily. They were discharged once hospital post-anesthetic criteria were met and received a follow-up call 24 hours later. Dr. Rosenblum praises the study and notes that the procedure looks similar to a lumbar sympathetic plexus block, which is also a sympathetic block. Ultrasound Considerations and Alternative Approaches Dr. Rosenblum shares his interest in ultrasound-guided celiac plexus blocks but acknowledges concerns about bowel perforation. He mentions a conversation with an interventional radiology colleague who suggested a transhepatic approach. Dr. Rosenblum recalls scanning a very thin patient where the aorta was easily visible and close to the anterior abdominal wall, making the celiac plexus potentially accessible if bowel perforation, liver bleeding, or gallbladder perforation could be avoided. He shares an experience with a patient suffering from severe pancreatitis pain who received temporary relief from a paravertebral thoracic nerve block at T8-T10, noting that paravertebral blocks provide some sympathetic spread. Conclusion and Community Resource Reminder Dr. Rosenblum concludes by recommending the article, noting its well-written analysis and graphs showing morphine consumption dropping over months following the procedure. He suggests neurolytic procedures are underutilized because they sound intimidating. He again encourages listeners to check out the community he created with separate chat rooms for regenerative medicine, regional anesthesia, and pain boards, where users can share keywords but not specific board questions. Dr. Rosenblum reminds listeners about upcoming courses and his website resources, mentions an upcoming PRP lecture, and asks for five-star reviews if listeners enjoy the podcast. The episode ends with a standard medical disclaimer. Reference https://www.painphysicianjournal.com/current/pdf?article=NTQwOA%3D%3D&journal=113

  Summary In this Pain Exam Podcast episode, Dr. David Rosenblum discusses a journal club article on low volume neurolytic retrocrural celiac plexus blocks for visceral cancer pain. The study reviewed 507 patients with severe malignancy-related abdominal pain, with data retained for 455 patients at the 5-month mark. Dr. Rosenblum explains that the procedure involves injecting 3-5ml of 6% aqueous phenol at the T12-L1 level under fluoroscopic guidance, with an average procedure time of 16.3 minutes. The study found significant pain relief lasting up to six months, reduced opioid consumption, and improved quality of life for patients with primary abdominal cancer or metastatic disease. Dr. Rosenblum shares his personal experience with celiac plexus blocks, including the trans-aortic approach he trained on, and mentions his interest in ultrasound-guided approaches. He also announces upcoming teaching engagements at ASPN, Pain Week, and other conferences, as well as CME ultrasound courses available through nrappain.org. Additionally, he mentions a new community page on the website where users can share board preparation information, though he emphasizes that remembered board questions should not be posted as he is a board question writer himself. Pain Management Board Prep   Ultrasound Training REGISTER TODAY!   Create an Account and get Free Access to the PainExam- NRAP Academy Community Highlights Introduction and Upcoming Events Dr. David Rosenblum introduces the Pain Exam Podcast and shares information about upcoming events. He mentions teaching ultrasound at ASPN in July, attending Pain Week in September, and participating in the Latin American Pain Society conference. Dr. Rosenblum also promotes his CME ultrasound courses available at nrappain.org and mentions he's considering organizing another regenerative medicine course in fall or winter. He offers private training for those wanting more intensive ultrasound instruction. Board Prep Community Announcement Dr. Rosenblum announces a new community page on the nrappain.org website for board preparation. He explains that registered users can access free information and keywords relevant to board exams. He emphasizes that users should not post remembered questions as this would be inappropriate, noting that he himself is a board question writer for various pain boards. Dr. Rosenblum mentions that a post about phenol in this community inspired today's podcast topic. Journal Article Overview on Celiac Plexus Block Dr. Rosenblum introduces a journal article on low volume neurolytic retrocrural celiac plexus block for visceral cancer pain, a retrospective review of 507 patients with severe malignancy-related abdominal pain. He explains that the study assessed pain relief provided by this procedure, its duration, reduction in daily opioid consumption, and quality of life improvements. The patients received neurolytic blocks without previous diagnostic blocks due to multiple comorbidities, which Dr. Rosenblum acknowledges is sometimes necessary with very sick patients despite the typical preference for diagnostic blocks before neurolysis. Dr. Rosenblum's Personal Experience with Celiac Plexus Blocks Dr. Rosenblum shares his personal training experience with trans-aortic celiac plexus blocks, where a needle is inserted through the aorta after confirming no plaques or aneurysms are present. He describes it as a safe and effective procedure despite sounding intimidating. He mentions he's only performed a handful of these procedures and doesn't do many now as an outpatient pain doctor. Study Methods and Results Dr. Rosenblum details the study methods, noting that of 507 patients studied, data for 455 was retained at the end of the review. Patients were evaluated before and after the neurolytic retrocrural celiac plexus block under fluoroscopic guidance. Assessment included procedure duration, pain scores (0-10 scale), daily opioid consumption, and quality of life improvement. Follow-up was completed six months after the procedure, showing improved pain scores, reduced opioid consumption, and better quality of life throughout the study period. Some pain returned during months 4-6 due to disease progression and the anticipated duration of the neurolytic agent. The study noted a 6.7% initial vascular contrast uptake during the procedure while using digital subtraction angiography with fluoroscopy. Study Limitations and Conclusions Dr. Rosenblum discusses the study's limitations, including the need for a larger sample size and a prospective trial with a control group, though he acknowledges this is unrealistic given the patient population. He mentions that a proven quality of life questionnaire would be beneficial, and that comparing alcohol, phenol, and RF thermocoagulation would be interesting to evaluate duration effects and side effects. The study concluded that low volume neurolytic retrocrural celiac plexus block with phenol is safe, providing up to six months of pain relief for abdominal pain due to primary malignancy or metastatic spread. Detailed Procedure Technique Dr. Rosenblum explains the detailed procedure technique used in the study. The retrocrural celiac plexus was targeted at L1 level with aim towards T12. Anterior and posterior radiographic imaging aligning the spinous process of T12-L1 junction was used with 15-20 degree oblique rotation. Local anesthetic (1% lidocaine with sodium bicarbonate) was infiltrated along the injection path. A 22 or 25 gauge 3.5-7 inch curved spinal needle was used depending on patient body habitus. Dr. Rosenblum notes he typically uses a 6-inch Chiba needle or 25 gauge spinal needle for such procedures. Procedure Execution and Monitoring Dr. Rosenblum continues describing the procedure, noting that the needle was advanced to the anterior border of T12-L1 under multiple imaging views. Contrast dye studies verified spread and location, with digital subtraction angiography used to check for intravascular uptake. A test dose of 1ml of 0.5% bupivacaine with epinephrine per site was administered, which Dr. Rosenblum finds interesting as he typically doesn't mix bupivacaine with epinephrine. After confirming no vascular uptake, 3-5ml of 6% aqueous phenol was injected in 1ml aliquots while communicating with the patient. The average procedure time was 16.3 minutes with minimal or no sedation. Patients remained prone for 30 minutes afterward to avoid neuroforaminal spread, as phenol is heavier and more viscous than alcohol. Post-Procedure Care and Study Evaluation Dr. Rosenblum explains that patients were monitored in recovery for one hour for adverse events and their ability to eat and void easily. They were discharged once hospital post-anesthetic criteria were met and received a follow-up call 24 hours later. Dr. Rosenblum praises the study and notes that the procedure looks similar to a lumbar sympathetic plexus block, which is also a sympathetic block. Ultrasound Considerations and Alternative Approaches Dr. Rosenblum shares his interest in ultrasound-guided celiac plexus blocks but acknowledges concerns about bowel perforation. He mentions a conversation with an interventional radiology colleague who suggested a transhepatic approach. Dr. Rosenblum recalls scanning a very thin patient where the aorta was easily visible and close to the anterior abdominal wall, making the celiac plexus potentially accessible if bowel perforation, liver bleeding, or gallbladder perforation could be avoided. He shares an experience with a patient suffering from severe pancreatitis pain who received temporary relief from a paravertebral thoracic nerve block at T8-T10, noting that paravertebral blocks provide some sympathetic spread. Conclusion and Community Resource Reminder Dr. Rosenblum concludes by recommending the article, noting its well-written analysis and graphs showing morphine consumption dropping over months following the procedure. He suggests neurolytic procedures are underutilized because they sound intimidating. He again encourages listeners to check out the community he created with separate chat rooms for regenerative medicine, regional anesthesia, and pain boards, where users can share keywords but not specific board questions. Dr. Rosenblum reminds listeners about upcoming courses and his website resources, mentions an upcoming PRP lecture, and asks for five-star reviews if listeners enjoy the podcast. The episode ends with a standard medical disclaimer. Reference https://www.painphysicianjournal.com/current/pdf?article=NTQwOA%3D%3D&journal=113

397: Rome Diamond League | Jells Park XC Relays | Doubling Marathons  This weeks episode is sponsored by Precision Fuel & Hydration,  their free online planner has you covered! It calculates exactly how much carb, sodium, and fluid you need to smash your goals. Listen to the show for an exclusive discount. Brad wonders if he needs to broaden his horizons beyond the treadmill. Julian gets out the Jells Park XC Relays then gets washed out on the long run. Brady froths at the chance for faster reps then wonders if he can cut it as a school soccer coach. NordVPN has partnered with the Inside Running Podcast to offer you an amazing discount, head over to nordvpn.com/insiderunning to get a Huge Discount off your NordVPN Plan + 4 additional months on top!  This week's running news is presented by Axil Coffee. Rome Diamond League Sarah Billings and Abbey Caldwell take silver and bronze running personal bests of 3:59.24 and 3:59.32 respectively just behind winner Sarah Healy of Ireland. Oli Hoare secured a World Champs qualifier, running 3:31.15 to place ninth in the men's 1500m, where Azeddine Habz outlasted a resurgent Timothy Cheriuyot to win in 3:29.72. Beatrice Chebet ran the #2 all time 5000m with 14:03.69. Rome Diamond League Results Cam Myers clocks a 2:17.25 1000m at the FAST5000 in France. World Athletics Results Linden Hall continues her season with a 3:58.70 in Rovereto, Italy just behind Nadia Battocletti. Bendere Oboya opened her season with a 2:00.47 in the 800m while Jude Thomas ran 13:28.02. World Athletics Results Western Athletics took out the Men's Premier Division at the Jells Park XC Relays, with Bendigo Region second and Knox in third. Ed Marks of Glenhuntly ran the quickest split of the day, covering the 6km leg in 17:22. Box Hill were the winners of the Women's Premier Division ahead of Sandringham and Western Athletics. Sarah Klein of Frankston and Bianca Puglisi of Essendon both recorded the quickest laps. AthsVic ResultsHub Paralympic Gold Medalist in the T12 1500m, Yassine Ouhdadi of Spain, tested positive to the banned substance Clostebol a month prior to the start of the 2024 Paris Paralympic Games and has been suspended for three years. International Paralympic Committee Statement Jarryd Clifford statement: https://www.instagram.com/p/DKargrDS3yG/?img_index=1  Enjoy 20% off your first Axil Coffee order! Use code IRP20 at checkout. Shop now at axilcoffee.com.au This episode's Listener Q's/Training Talk segment is proudly brought to you by Precision Fuel & Hydration.  This week asks how to approach the Sydney Marathon and then backing up for Melbourne Marathon six weeks later Visit precisionhydration.com for more info on hydration and fuelling products and research, and use the discount code given in the episode.  Chafing rubs Moose on the Loose the wrong way while whispers on speculate on athlete movements and activity. Patreon Link: https://www.patreon.com/insiderunningpodcast Opening and Closing Music is Undercover of my Skin by Benny Walker. www.bennywalkermusic.com Join the conversation at: https://www.facebook.com/insiderunningpodcast/ To donate and show your support for the show: https://www.paypal.com/cgi-bin/webscr?cmd=_s-xclick&hosted_button_id=9K9WQCZNA2KAN

  Summary In this Pain Exam Podcast episode, Dr. David Rosenblum discusses a journal club article on low volume neurolytic retrocrural celiac plexus blocks for visceral cancer pain. The study reviewed 507 patients with severe malignancy-related abdominal pain, with data retained for 455 patients at the 5-month mark. Dr. Rosenblum explains that the procedure involves injecting 3-5ml of 6% aqueous phenol at the T12-L1 level under fluoroscopic guidance, with an average procedure time of 16.3 minutes. The study found significant pain relief lasting up to six months, reduced opioid consumption, and improved quality of life for patients with primary abdominal cancer or metastatic disease. Dr. Rosenblum shares his personal experience with celiac plexus blocks, including the trans-aortic approach he trained on, and mentions his interest in ultrasound-guided approaches. He also announces upcoming teaching engagements at ASPN, Pain Week, and other conferences, as well as CME ultrasound courses available through nrappain.org. Additionally, he mentions a new community page on the website where users can share board preparation information, though he emphasizes that remembered board questions should not be posted as he is a board question writer himself. Pain Management Board Prep   Ultrasound Training REGISTER TODAY!   Create an Account and get Free Access to the PainExam- NRAP Academy Community Highlights Introduction and Upcoming Events Dr. David Rosenblum introduces the Pain Exam Podcast and shares information about upcoming events. He mentions teaching ultrasound at ASPN in July, attending Pain Week in September, and participating in the Latin American Pain Society conference. Dr. Rosenblum also promotes his CME ultrasound courses available at nrappain.org and mentions he's considering organizing another regenerative medicine course in fall or winter. He offers private training for those wanting more intensive ultrasound instruction. Board Prep Community Announcement Dr. Rosenblum announces a new community page on the nrappain.org website for board preparation. He explains that registered users can access free information and keywords relevant to board exams. He emphasizes that users should not post remembered questions as this would be inappropriate, noting that he himself is a board question writer for various pain boards. Dr. Rosenblum mentions that a post about phenol in this community inspired today's podcast topic. Journal Article Overview on Celiac Plexus Block Dr. Rosenblum introduces a journal article on low volume neurolytic retrocrural celiac plexus block for visceral cancer pain, a retrospective review of 507 patients with severe malignancy-related abdominal pain. He explains that the study assessed pain relief provided by this procedure, its duration, reduction in daily opioid consumption, and quality of life improvements. The patients received neurolytic blocks without previous diagnostic blocks due to multiple comorbidities, which Dr. Rosenblum acknowledges is sometimes necessary with very sick patients despite the typical preference for diagnostic blocks before neurolysis. Dr. Rosenblum's Personal Experience with Celiac Plexus Blocks Dr. Rosenblum shares his personal training experience with trans-aortic celiac plexus blocks, where a needle is inserted through the aorta after confirming no plaques or aneurysms are present. He describes it as a safe and effective procedure despite sounding intimidating. He mentions he's only performed a handful of these procedures and doesn't do many now as an outpatient pain doctor. Study Methods and Results Dr. Rosenblum details the study methods, noting that of 507 patients studied, data for 455 was retained at the end of the review. Patients were evaluated before and after the neurolytic retrocrural celiac plexus block under fluoroscopic guidance. Assessment included procedure duration, pain scores (0-10 scale), daily opioid consumption, and quality of life improvement. Follow-up was completed six months after the procedure, showing improved pain scores, reduced opioid consumption, and better quality of life throughout the study period. Some pain returned during months 4-6 due to disease progression and the anticipated duration of the neurolytic agent. The study noted a 6.7% initial vascular contrast uptake during the procedure while using digital subtraction angiography with fluoroscopy. Study Limitations and Conclusions Dr. Rosenblum discusses the study's limitations, including the need for a larger sample size and a prospective trial with a control group, though he acknowledges this is unrealistic given the patient population. He mentions that a proven quality of life questionnaire would be beneficial, and that comparing alcohol, phenol, and RF thermocoagulation would be interesting to evaluate duration effects and side effects. The study concluded that low volume neurolytic retrocrural celiac plexus block with phenol is safe, providing up to six months of pain relief for abdominal pain due to primary malignancy or metastatic spread. Detailed Procedure Technique Dr. Rosenblum explains the detailed procedure technique used in the study. The retrocrural celiac plexus was targeted at L1 level with aim towards T12. Anterior and posterior radiographic imaging aligning the spinous process of T12-L1 junction was used with 15-20 degree oblique rotation. Local anesthetic (1% lidocaine with sodium bicarbonate) was infiltrated along the injection path. A 22 or 25 gauge 3.5-7 inch curved spinal needle was used depending on patient body habitus. Dr. Rosenblum notes he typically uses a 6-inch Chiba needle or 25 gauge spinal needle for such procedures. Procedure Execution and Monitoring Dr. Rosenblum continues describing the procedure, noting that the needle was advanced to the anterior border of T12-L1 under multiple imaging views. Contrast dye studies verified spread and location, with digital subtraction angiography used to check for intravascular uptake. A test dose of 1ml of 0.5% bupivacaine with epinephrine per site was administered, which Dr. Rosenblum finds interesting as he typically doesn't mix bupivacaine with epinephrine. After confirming no vascular uptake, 3-5ml of 6% aqueous phenol was injected in 1ml aliquots while communicating with the patient. The average procedure time was 16.3 minutes with minimal or no sedation. Patients remained prone for 30 minutes afterward to avoid neuroforaminal spread, as phenol is heavier and more viscous than alcohol. Post-Procedure Care and Study Evaluation Dr. Rosenblum explains that patients were monitored in recovery for one hour for adverse events and their ability to eat and void easily. They were discharged once hospital post-anesthetic criteria were met and received a follow-up call 24 hours later. Dr. Rosenblum praises the study and notes that the procedure looks similar to a lumbar sympathetic plexus block, which is also a sympathetic block. Ultrasound Considerations and Alternative Approaches Dr. Rosenblum shares his interest in ultrasound-guided celiac plexus blocks but acknowledges concerns about bowel perforation. He mentions a conversation with an interventional radiology colleague who suggested a transhepatic approach. Dr. Rosenblum recalls scanning a very thin patient where the aorta was easily visible and close to the anterior abdominal wall, making the celiac plexus potentially accessible if bowel perforation, liver bleeding, or gallbladder perforation could be avoided. He shares an experience with a patient suffering from severe pancreatitis pain who received temporary relief from a paravertebral thoracic nerve block at T8-T10, noting that paravertebral blocks provide some sympathetic spread. Conclusion and Community Resource Reminder Dr. Rosenblum concludes by recommending the article, noting its well-written analysis and graphs showing morphine consumption dropping over months following the procedure. He suggests neurolytic procedures are underutilized because they sound intimidating. He again encourages listeners to check out the community he created with separate chat rooms for regenerative medicine, regional anesthesia, and pain boards, where users can share keywords but not specific board questions. Dr. Rosenblum reminds listeners about upcoming courses and his website resources, mentions an upcoming PRP lecture, and asks for five-star reviews if listeners enjoy the podcast. The episode ends with a standard medical disclaimer. Reference https://www.painphysicianjournal.com/current/pdf?article=NTQwOA%3D%3D&journal=113

Era el año 2006. Juan Carlos Cornejo Martínez tenía 22 años y trabajaba en una granja de cerdos. Una de las labores de aquel rockero de pelo largo, residente en la colonia Santa Rita de El Congo, en Santa Ana, era revisar los niveles de agua de las cisternas, colocadas a unos diez metros de altura. Aquel 7 de septiembre de 2006 había llovido. Juan Carlos subió hasta la cisterna como a la una de la tarde, pero cuando intentó pararse sobre el plástico resbaló y cayó de espalda contra el suelo. El accidente laboral lo dejó discapacitado de por vida debido a una lesión en la columna vertebral.El expediente del Seguro Social dice que “tiene barras HASH en la columna” y “un traumatismo a nivel de T12 y en múltiples ocasiones ha consultado por diversos dolores en la zona lumbar”. Pese a los terribles dolores y la necesidad diaria de medicinas (codeína, ampicilina y gabapentina), Juan Carlos siguió trabajando como auxiliar veterinario hasta 2013, cuando la empresa cerró. Entonces, montó un refugio de perros en su casa, algo que le permitió proyectarse y ganar clientes para atender animales en la zona donde vive con su esposa y sus dos hijas menores de edad.El 10 de enero de 2024, los policías Joel Alfonso Rivera Hernández y Guillermo Alfonso Linares Osorio le dijeron que necesitaban verificar unos datos del vehículo de su esposa y lo subieron a una patrulla policial. Ya en la delegación aparecieron pruebas de sus nexos con las pandillas como por arte de magia: primero, le dijeron que el sistema 123 registró en noviembre de 2023 una llamada anónima que lo acusaba de extorsionar y amenazar a negociantes de la colonia. Al siguiente día, apareció una ficha policial que lo etiquetaba como miembro activo de la pandilla Barrio 18, en la categoría de “homeboy”.“Tiene procesos abiertos por extorsionar, al menos cuatro víctimas lo denunciaron (...) Desde hoy, las familias estarán tranquilas y este homeboy pagará por sus delitos”, consigna un tuit de la cuenta oficial de la Policía en la red social X. La Policía mintió. Juan Carlos no tenía casos pendientes por extorsión y, luego de su captura, tampoco fue procesado por ese delito. Las autoridades usaron información falsa para justificar el arresto, como en otros casos documentados por este periódico. El albañil José Alfredo Grande Martínez fue acusado falsamente por el Ministro de Seguridad Gustavo Villatoro de colaborar con una pandilla; al rapero Nelson Vladimir Hernández Tobar, una ficha policial lo convirtió en pandillero de la noche a la mañana. La base del régimen de excepción son capturas sin investigación, basadas en criterios ambiguos de la Policía.Juan Carlos suplicó a la Policía y al Juez Uno del Tribunal Segundo Contra el Crimen Organizado de Santa Ana que no lo enviaran a un penal por su delicada condición de salud, pero nadie le escuchó. El juzgado pidió un informe al Seguro Social, pero se equivocó de correo electrónico. Por este error, Juan Carlos estuvo encarcelado en el penal de Izalco desde febrero hasta junio de 2024.Esta es la historia de cómo el régimen de excepción maltrató a un discapacitado. Esta es la historia paradójica de cómo alguien que sufrió el desplazamiento forzado de las pandillas hoy es acusado de formar parte de las pandillas. Esta es la historia de un hombre que entró al penal de Izalco con problemas para caminar, pero que al salir acumulaba otras enfermedades que no padecía antes de su arresto: diabetes, problemas cardíacos y gástricos, escabiosis y una infección con la bacteria Estafilococo Dorado, por la cual casi le amputan el pie izquierdo.

So many new gear updates have dropped recently due to NAB Show 2025—it's almost overwhelming to keep track! But don't worry—sit back, relax, and check out this week's episode of FocusCheck for all the highlights and key updates. From cameras and lenses to lighting and software, we've got everything covered in one easy-to-digest episode. Enjoy! Sponsor: This episode is sponsored by FUJIFILM. Check it out at (34:36) Chapters & Articles Mentioned in This Episode: (00:00) -  Intro (02:07) - Blackmagic Design NAB 2025 Update – Join the Live Stream https://www.cined.com/blackmagic-design-nab-2025-update-join-the-live-stream/ (03:29) - Blackmagic PYXIS 12K Camera Explained in Video Interview https://www.cined.com/blackmagic-pyxis-12k-camera-explained-in-video-interview/ (07:16) - Blackmagic PYXIS 12K Camera Price Increased by 32% to $6,595 in the USA Due to Tariffs https://www.cined.com/blackmagic-pyxis-12k-camera-price-increased-by-32-to-6595-in-the-usa-due-to-tariffs/  (10:57) - Immersive Video for Apple Vision Pro with Blackmagic Design URSA Cine Immersive & DaVinci Resolve 20 – Interview https://www.cined.com/immersive-video-for-apple-vision-pro-with-blackmagic-design-ursa-cine-immersive-davinci-resolve-20-interview/ (15:30) - Blackmagic Design PYXIS Top and Side Handles Explained https://www.cined.com/blackmagic-design-pyxis-top-and-side-handles-explained/ (19:27) - DaVinci Resolve 20 Released in Public Beta – with AI-Powered Features https://www.cined.com/davinci-resolve-20-released-in-public-beta-with-ai-powered-features/ (23:49) - FUJIFILM GFX ETERNA Camera Development Update – Internal ND, Hot Swap, Audio, and More https://www.cined.com/fujifilm-gfx-eterna-camera-development-update-internal-nd-hot-swap-audio-and-more/ (35:40) - Tilta Nucleus-M II Introduced – Features a New 4-Channel FIZ Unit, Flexible Motors, and More https://www.cined.com/tilta-nucleus-m-ii-introduced-new-fiz-unit-flexible-motors-and-more/ (40:04) - NiSi AUREUS PRIME T1.4 Cinema Lens Series Introduced – Fast & Full-Frame https://www.cined.com/nisi-aureus-prime-t1-4-cinema-lens-series-introduced-fast-amp-full-frame/ (44:31) - BLAZAR Mantis 1.33x Anamorphic Full-frame Lightweight Lens Series Announced https://www.cined.com/blazar-mantis-1-33x-anamorphic-full-frame-lightweight-lens-series-announced/ (46:57) - DZOFILM X-tract Macro Zoom Probe Lens Introduced – 3 versions, 18-28mm, T8, and Full-Frame https://www.cined.com/dzofilm-x-tract-macro-zoom-probe-lens-introduced-3-versions-18-28mm-t8-and-full-frame/ (49:25) - Laowa Probe Zoom Lenses Introduced – 15-35mm T12 / 15-24mm T8 with Interchangeable Barrel Options https://www.cined.com/laowa-probe-zoom-lenses-introduced-15-35mm-t12-15-24mm-t8-with-interchangeable-barrel-options/ (51:36) - Hollyland LARK MAX 2 – 32-bit Float and Wireless Monitoring https://www.cined.com/hollylands-lark-max-mk-ii/ (55:12) - Saramonic K9 Audio System Debuts with Ultra-Wide UHF Transmission https://www.cined.com/saramonic-k9-audio-system-debuts-with-ultra-wide-uhf-transmission/ (57:56) - Sennheiser Profile Wireless Introduced – All-In-One, Clip-On Microphone System https://www.cined.com/sennheiser-profile-wireless-introduced-all-in-one-clip-on-microphone-system/ (01:00:09) - NANLITE PavoTube II 6XR RGBWW Tubes with CRMX and 8 Pixels Explained https://www.cined.com/nanlite-pavotube-ii-6xr-rgbww-tubes-with-crmx-and-8-pixels-explained/ (01:01:35) - GVM Reign FH400 Introduced – Flat, Lightweight COB Light https://www.cined.com/gvm-reign-fh400-introduced-flat-lightweight-cob-light/ (01:03:17) - Aputure STORM XT52 – First Look at the Brightest LED Fixture Yet https://www.cined.com/aputure-storm-xt52-first-look-at-the-brightest-led-fixture-yet/ (01:05:45) - amaran Pano 120c Presented – a Lightweight, Full Color, LED Light Panel with Multiple Powering Options https://www.cined.com/amaran-pano-120c-presented-a-lightweight-full-color-led-light-panel-with-multiple-powering-options/ (01:08:35) - ASUS ProArt Monitors, a MicroLED Display, and a Display Calibrator Explained https://www.cined.com/asus-proart-monitors-a-microled-display-and-a-display-calibrator-explained/ (01:13:06) - ATOMOSphere, A-Eye PTZ cameras, a TX-RX System, and StudioSonic Headphones Introduced https://www.cined.com/atomos-atomosphere-a-eye-ptz-cameras-a-tx-rx-system-and-studiosonic-headphones-introduced/ (01:18:51) - Strada Agents Introduced – Be Your Own Cloud for Remote Collaboration https://www.cined.com/strada-agents-introduced-be-your-own-cloud-for-remote-collaboration/ We hope you enjoyed this episode! You have feedback, comments, or suggestions? Write us at podcast@cined.com

In this episode of The How-To Show, Gino Barbaro—co-founder of Jake and Gino—dives deep into one of the most misunderstood tools in real estate investing: The Retrade. Whether you're a multifamily investor or just starting out, understanding how to ethically and strategically renegotiate deals can be the difference between massive ROI and massive regret.Gino shares personal stories, market insights, and real-life retrade examples—from faulty breakers to low appraisals—and explains how to approach sellers and brokers the right way. He also references negotiation master Chris Voss, giving you actionable techniques to use today.Want Gino's Chris Voss notes? Email him directly at gino@jakeandgino.com  Want a FREE copy of the Wheelbarrow Profits book? Visit: https://jakeandgino.com/Topics Covered:What a retrade actually is When retrades are appropriate (and when they're not) The role of due diligence and financial review How to approach sellers and brokers without burning bridges Market changes, financing contingencies, and capital expenditures Why trust—but verify—is your #1 rule We're here to help create multifamily entrepreneurs... Here's how: Brand New? Start Here: https://jakeandgino.mykajabi.com/free-wheelbarrowprofits Want To Get Into Multifamily Real Estate Or Scale Your Current Portfolio Faster? Apply to join our PREMIER MULTIFAMILY INVESTING COMMUNITY & MENTORSHIP PROGRAM. (*Note: Our community is not for beginner investors)

In today's episode, we will begin Chapter 16 by discussing corrections to the lower thoracics (T10, T11, and T12).  This will include a discussion of different tables, including the knee chest, hylo, and slot table.  We will also discuss different hand positions, from the typical single hand contact, to the double thenar and thumb-pisiform.  

An unexpected conversation with baseball great Roger Clemens leads Patrick to greater understanding of his golf and how to "get outs" when he doesn't have his A game. Three rounds in the 60s nets a T12 in Mexico. Presented by Goldenwest Credit Union. 

From Marine Corps infantry and firefighter-paramedic to building a $130 million multifamily empire, David Lilley shares his remarkable journey of raising over $38 million in capital and acquiring more than 1,000 units since 2018. In this compelling episode, Lilley reveals the critical lessons learned from his first challenging $450,000 raise, his strategic decision to focus on the Dallas-Fort Worth market, and how reaching his 10th deal marked a turning point where capital raising became significantly easier.Key Takeaways to Listen For:Building Your Track Record: The 10th deal is often a crucial milestone where capital raising becomes significantly easier. Conservative Underwriting in Current Market: For 2024, Lilley is underwriting deals with zero percent rent growth in Dallas-Fort Worth, despite third-party projections of 1-3%. Network Development Strategy: Success in capital raising comes through multiple channels - LinkedIn content creation, podcast appearances, and networking events. Market Entry Approach: When starting out, finding a mentor with experience is crucial. Lilley notes that he learned more from operating his first 6-unit property than from a year of studying and reading, emphasizing the value of guided, hands-on experience.Asset Management Reality: Operating older vintage properties (60s-80s) often involves significantly higher repair and maintenance costs than what appears in the seller's T12 statements. About Tim MaiTim Mai is a real estate investor, fund manager, mentor, and founder of HERO Mastermind for REI coaches.He has helped many real estate investors and coaches become millionaires. Tim continues to help busy professionals earn income and build wealth through passive investing.He is also a creative marketer and promoter with incredible knowledge and experience, which he freely shares. He has lifted himself from the aftermath of war, achieving technical expertise in computers, followed by investment success in real estate, management skills, and a lofty position among real estate educators and internet marketers.Tim is an industry leader who has acquired and exited well over $50 million worth of real estate and is currently an investor in over 2700 units of multifamily apartments.Connect with TimWebsite: Capital Raising PartyFacebook: Tim Mai | Capital Raising Nation Instagram: @timmaicomTwitter: @timmaiLinkedIn: Tim MaiYouTube: Tim Mai

Jaryd Clifford experienced one of the cruellest Paralympic Games you could imagine. First, he was disqualified in the 5000m after crossing the line in bronze medal position. To really rub salt in the wounds, he missed out on another bronze in the 1500m by 0.01 of a second. Ouch. In his first podcast appearance since his Paris heartbreak, Jaryd speaks about what went wrong, the lessons he learnt the hard way and how he's bouncing back with optimism and excitement for the future. We talk about the positives that can come from experiencing failure and why your inner circle is so important for helping you recover from disappointment. The lessons in resilience that Jaryd shares can honestly be applied to anyone in any situation. This is a must listen! At the age of 25, Jaryd Clifford has already achieved so much. He's a world champion, world record holder and three-time Paralympian for Australia in the category for vision impairment across multiple distances. He won two silver medals in the T13 5000m and the T12 marathon, and a bronze in the T13 1500m at the Paralympics in Tokyo. Jaryd is sponsored by Nike, has a Bachelor of Arts in International Relations and Politics/Criminology, and does public speaking in his spare time. -- Jaryd's Instagram: @jarydclifford Run With It Instagram: @runwithit.pod Intro/outro music by Dan Beacom Graphic design by Kate Scheer

I'm really excited to share this conversation with Noah Malone, a Paralympic champion, on the I'll Have Another podcast today. Noah is a six-time Paralympic medalist, bringing home medals from both the Tokyo and Paris Games, including a gold in the men's 100 meters T12 and a silver in the 400 meters T12 this year ... more »

358: Zurich Diamond League | Burnley Half | Kristian Ulriksen This episode is sponsored by Precision Fuel & Hydration, check out their free online planner that you can use to work out how much carb, sodium and fluid you need to perform at your best.  Click here then use the code at checkout as mentioned on the show for a discount. Kristian Ulriksen takes his turn to guest host and talks about his change in training over the past year as well as his week leading to the Drammen Half. Julian returns and shares his stories from Zurich courtesy of On. Brad's strength continues to show through another week of marathon training. Olympic Bronze medallist Yared Nuguse took out the 1500 “rematch” at the Zurich Diamond League in 3:29.21, ahead of Jakob Ingebrigsten who battled a cold in the lead up as well as Cole Hocker. Oli Hoare ran 3:37.43, while Stewy McSweyn withdrew from starting the 3000m. Beatrice Chebet ran 14:09.52 to take out the 5000m in a World Lead time. Zurich Diamond League Results Jarryd Clifford heartbreakingly misses out on a Paralympic medal in the T12 1500m Final by .01 of a second. Reece Langdon won the bronze medal in the T38 1500m, while Rheed McCracken won bronze in the T34 800m. Paralympic Para Athletics Results Seth O'Donnell and Lissy Duncan both dominated the Burnley Half Marathon, with Seth O'Donnell winning in 1:02:05 over Harry Norman and Ben Chamberlain, while Lissy Duncan in 1:13:03 ahead of Erika Florez and Kate Mason. The winning teams in the Premier Divisions were Western Athletics in the Men's, and Glenhuntly the winning team in the Women's. Aths Vic Results Hub https://www.youtube.com/watch?v=tFTDCfpo9ZE  Genevieve Gregson has a clear win at the Bridge to Brisbane 10km ahead of Richele Hill and Alex Blake, as did Liam Boudin ahead of Jack Bruce and Jude Thomas. Results Sarah Billings runs a 1:58.94 800m in Germany to clock a World Championships Qualifier. Word Athletics Results Josh Kerr finishes his season in style, breaking the long-standing course record of the 5th Avenue Mile in New York City in 3:44.3, while Karissa Schweizer was the breakaway winner in 4:14.8 which equaled Laura Muir's course record. NYRR Results Listener Question asks how to get your carb loading while you're out on the road, then Moose laments the potential of wasted talent. Patreon Link: https://www.patreon.com/insiderunningpodcast Opening and Closing Music is Undercover of my Skin by Benny Walker. www.bennywalkermusic.com Join the conversation at: https://www.facebook.com/insiderunningpodcast/ To donate and show your support for the show: https://www.paypal.com/cgi-bin/webscr?cmd=_s-xclick&hosted_button_id=9K9WQCZNA2KAN

Hablamos con Mia Carol, guía de la atleta Elena Congost, tras su descalificación en la maratón T12 de los juegos paralímpicos de París.

El atleta español declaró en el micrófono de COPE que es "un placer poder compartir estos momentos con toda la gente" y  se mostró "muy contento de conseguir esta medalla" aunque reconoció que tuvo momentos "muy bonitos dentro de la carrera, pero también de crisis físico y mental".En Londres 2012 se hizo con la medalla de oro en maratón T12, a la que sumó una plata en Río 2016. En Tokio alcanzó el diploma con un quinto puesto en la prueba de maratón. "Fue un momento agridulce. Conseguimos el diploma, que está muy bien, pero esa lesión no nos dejó competir", reflexionó sobre su participación en Tokio.En 2023, el atleta asturiano compitió en el maratón de Valencia y consiguió la mínima B con la que consiguió la clasificación para los Juegos Paralímpicos de París, evento al que "veníamos en un estado de forma perfecto para ser competitivos" y afirmó que "tuvimos un año perfecto, no podemos tener queja".El maratón, con salida en el Parque Georges Valbon-La ...

The Richard Syrett Show, September 5th, 2024 Subscribe to Richard's newsletter, "Why I Fight" Scroll to bottom of page https://sauga960am.ca/programs/the-richard-syrett-show Trudeau IN DANGER as Jagmeet Singh ENDS coalition deal https://tnc.news/2024/09/04/rhf-trudeau-singh-coalition/  Harrison Faulkner Host of Ratio'd and the Faulkner Show on True North https://tnc.news KEEPNG AN EYE ON YOUR MONEY Balanced budget in 2040? Too long to wait, says taxpayer group https://torontosun.com/news/balanced-budget-in-2040-too-long-to-wait-says-taxpayer-group  Franco Terrazzano – Federal Director of The Canadian Taxpayers Federation Taxpayer.com IN DEFENSE OF WOMEN Valentina Petrillo becomes first out transgender Paralympic runner, fails to make women's 400m T12 final https://www.cnn.com/2024/09/02/sport/valentina-petrillo-transgender-paralympics-runner-spt-intl/index.html  Linda Blade-Co-Author of “Unsporting: How Trans Activism and Science Denial are Destroying Sport“ -CaWsbar Rep on Women's Sports  How Capitalism Defeats Racism https://publiusnationalpost.substack.com/p/how-capitalism-defeats-racism  Wanjiru Njoya - Scholar-in-Residence for the Mises Institute. Author of “Economic Freedom and Social Justice”, “Redressing Historical Injustice”, and “A Critique of Equality Legislation in Liberal Market Economies” https://mises.org Can Trump End Kamala's Presidential Hopes on September 10th? https://www.foxnews.com/media/illinois-gov-pritzker-says-nobody-should-underestimate-trump-debate-against-harris  https://dailycaller.com/2024/09/02/frank-luntz-trump-can-trounce-harris-debate-questions/  Richard C. Lyons, is a world historian, and political analyst, he is author of the book, But by the Chance of War; The DNA of Democracy Volume 1 and Shadows of the Acropolis Volume 2 https://richardclyons.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Matt Cook and Buttsy kick off the episode with a shout-out to Swannies Golf. They dive into a discussion on the new PXG Tour Driver, followed by a detailed recap of the FedEx Cup Championship, highlighting Sam Burns and Nick Dunlap. They analyze performances from Denny McCarthy, Billy Horschel, and Seamus Power. Maverick McNealy's notable T12 finish and Australian players' performances lead into a comparison of Scottie Scheffler and Tiger Woods. They cover Tom Kim's collapse and preview the BMW Championship, including field analysis and betting odds. The episode also features a FedEx Cup Match Play proposal, a US Amateur Championship recap, and a Swannies Style Segment on Brooks Koepka's outfit. They wrap up with a recap of LIV Golf Greenbrier.

Reverse Sweep hosts and Call of Duty legends Patrick ‘ACHES' Price, Chris ‘Parasite' Duarte, Doug 'Censor' Martin and Mark ‘MarkyB' Bryceland preview a big weekend of COD esports action as CDL Major 4 closes out. As OpTic Texas and Shotzzy, Dashy, Pred & Kenny fail to overcome online disappointment and place T12, New York Subliners and HyDra, Kismet, Skyz & Sib run through the lower bracket to claim the final major of the year for the second time in a row. Plus, what's going wrong with Atlanta FaZe and Simp, aBeZy, Cellium & Drazah and Scrap & Toronto Ultra? CHAPTERS: 0:00 Subliners peaking at the PERFECT time! 7:39 FaZe 2 for 9 in finals - they don't care? 19:02 OpTic's fall from grace: the biggest in the CDL era? 28:45 Fame is the X-factor for Top 3 LAG! 33:50 Estreal Rookie of the Year? Carolina held Gwinn back! 40:19 Toronto's strange event - conversation needed? 48:10 Predicting COD Champs 2024 55:10 Esports World Cup: roster moves needed for THESE teams! 57:40 Players we regret not teaming with 1:03:18 COD Esports Mt Rushmore (no players)

In this episode, I had the privilege of speaking with Joci Scott, a multi-talented actress, singer, dancer, and content creator based in Los Angeles. At the age of 20, Joci's life took a dramatic turn when she became paralyzed due to a T12 spinal cord injury sustained in a plane crash. Despite the glaring absence of wheelchair users in her favorite movies and TV shows, Joci's determination to pursue her dream of acting never wavered. Her journey is one of resilience and unwavering commitment to advocating for equal and authentic representation of people with disabilities in the entertainment industry. --- Send in a voice message: https://podcasters.spotify.com/pod/show/lmbdl/message

Mason had a skiing accident in 2021 and is now a T12 incomplete paraplegic and uses a manual wheelchair full-time. In this episode, we talk about the accident, not letting being different get to you, and how he's living his daily life as a disabled college student!  I hope you enjoy the episode and make sure to check out my blog post that correlates with this episode to read about common misconceptions about Spinal Cord Injuries. --- Send in a voice message: https://podcasters.spotify.com/pod/show/digitalactivism/message Support this podcast: https://podcasters.spotify.com/pod/show/digitalactivism/support

Is your relationship with pain keeping you from feeling relief? Vinny Crispino, founder of Pain Academy, joins the show and shares valuable insights derived from his transformative journey from overcoming a grueling back injury along with battling addiction during recovery and how it led him on the path to helping people get out of chronic pain. Vinny also sheds light on the critical aspect of changing one's relationship with pain to facilitate quicker healing. The discussion extends to injury-proofing the body for running, with insights into optimal fueling for performance and recovery. The episode wraps with a deep dive into the methods that have proven effective in helping thousands liberate themselves from chronic pain through the innovative approach of Pain Academy. Key Points: Going from an All-American swimmer to pursuing a career as a pro-Surfer Suffering a fractured T12 vertebrae and multiple herniations in his back while surfing Dealing with addiction to narcotics while recovering from the injury What to do when you hit rock bottom Maxing out credit cards to fund his recovery and still not seeing results Going back to school to learn how to heal his injuries Divine intervention led him to the person who would heal him How downregulation of the nervous system expedites the healing process Biggest mistake that people in corrective exercise make How to communicate better with your central nervous system for incredible results Changing your relationship with pain can help you heal quicker Learning to injury-proof his body after getting into running How to fuel for performance and recovery in running Overcoming mental, physical, and emotional hurdles to finish a 50-mile race How Pain Academy was born and their methods that have helped thousands of people get out of pain Vinny's definition of Pure Ambition Check out Pain Academy: Website Instagram TikTok YouTube Connect with me: Join my FREE community: Upspace App Instagram: @dominicfusco TikTok: @dom_fusco YouTube: Dominic Fusco LinkedIn: Dominic Fusco Want to help the show grow? Sweet! Here's what you can do: Share this episode with someone who would find value in it. Leave a 5-star rating and review on the podcast app and let me know your honest opinion! Share this episode on your IG story and tag me @dominicfusco SPONSORS Get 20% off the best products on the market to look, feel, and perform your best in all areas of life with Organifi: www.organifishop.com/discount/DOM Elevate your hydration and hit your protein goals with no sugar and nothing artificial and get 20% off with code DFUSCO20 at https://pwrlift.com/discount/DFUSCO20 Improve your metabolic health, get into flow state, and start living better with and get 30% off Ketone-IQ with code “FUSCO” at https://hvmn.com/FUSCO

Boston Major 1 of the CDL 2024 season is coming, and Reverse Sweep hosts and legendary Call of Duty pros Mark ‘MarkyB' Bryceland, Chris ‘Parasite' Duarte and Patrick ‘ACHES' Price break down a big weekend of COD League action, and predict the Major 1 bracket! 0:00 Ranked Play! How does it feel? Cheaters? 5:00 Massive update for competitive! Hardpoint and Spawns. 11:11 Can THIS New Map Work in Comp? 17:20 This Week's Matches 17:30 Miami Heretics Look great!! What are they doing right? 21:06 What's going on with OpTic!? 24:30 How ROKKR got Winners Bracket 28:00 Royal Ravens: changes to be made? 32:26 Seattle Surge and Breaking GA's 34:50 Are AR's Chalked? (PrizePicks) 45:58 Bracket Predictions: "Optic is getting T12!" 57:00 Losers Rd 2: "LAT is just not good!" 1:10:00 Winners Rd 2: "I don't see a world where…" 1:15:15 Losers Rd 3: "Ghosty redemption series?" 1:19:27 Losers Rd 4: "They might end up spiralling" 1:26:20 Losers Semi: "They stand the best chance to beat FaZe" 1:28:10 Winners Finals: "They're gonna come in hot" 1:31:55 Losers Finals: "Faze is absolutely cooking" 1:33:45 Grand Finals: "The winners WILL BE…" 1:36:33 Community questions

In this episode I sit down with my dad Mike Kerr. We discuss the fire service back in the day and how it has changed. My dad tells his story about his love of the fire service as a kid and how he got started as a volunteer in Prince Georges County in Greenbelt, to becoming a career firefighter with the DCFD as a Tillerman at T12.  Our family moved from Prince Georges County to Montgomery County, where he became a volunteer with the Burtonsville Vol. Fire Dept. He moved through the volunteer ranks and eventually became the longest serving chief. He honed his leadership skills and became a respected Chief through the county. 

We finish off the season and look to bring in a new year by sharing some of my tips for how you can read more books and read more efficiently as you seek to expand your knowledge and avoid being propagandized.  A huge thanks to Seth White for the awesome music! Thanks to Palmtoptiger17 for the beautiful logo: https://www.instagram.com/palmtoptiger17/ Facebook Page: https://www.facebook.com/thewayfourth/?modal=admin_todo_tour YouTube: https://www.youtube.com/channel/UCTd3KlRte86eG9U40ncZ4XA?view_as=subscriber Instagram: https://www.instagram.com/theway4th/  Kingdom Outpost: https://kingdomoutpost.org/ My Reading List Goodreads: https://www.goodreads.com/author/show/21940220.J_G_Elliot Propaganda Season Outline: https://docs.google.com/spreadsheets/d/1xa4MhYMAg2Ohc5Nvya4g9MHxXWlxo6haT2Nj8Hlws8M/edit?usp=sharing  Episode Outline/Transcript: https://docs.google.com/document/d/1WJ79Z-wB_J5qDCsoH_WlLs34ri5QsxzEQvX_6KDX-LQ/edit?usp=sharing SCRIBD: https://www.scribd.com/ Audible: https://www.audible.com/ Librivox: https://librivox.org/ Internet Archive Library: https://archive.org/details/texts World Cat Library Finder: https://www.worldcat.org/ Tozo NC2: Not waterproof, but they have sound passthrough and touch controls. This is what I primarily use other than for the shower or rain - https://www.amazon.com/gp/product/B08L7D38ZL/ref=ppx_yo_dt_b_search_asin_title?ie=UTF8&psc=1  Tozo T10: Waterproof for the shower and aren't touch sensitive like the T12's. They're older, but in my opinion, they're a better buy (and cheaper) - https://www.amazon.com/TOZO-Bluetooth-Wireless-Headphones-Waterproof/dp/B07J2Z5DBM/ref=sr_1_5?crid=MLM7A1SFHNJN&keywords=tozo+t6&qid=1669648914&sprefix=tozo+t6%2Caps%2C360&sr=8-5 Tozo T12: Also waterproof for the shower. The battery life is really long and the case can charge your phone, but they don't fit as nicely and they are very sensitive and sometimes get touched by shower water - https://www.amazon.com/gp/product/B09G9QXZTV/ref=ppx_yo_dt_b_search_asin_title?ie=UTF8&psc=1 *Since recording this, SCRIBD has now become Everand and have added a speed up to 3x Thanks to our monthly supporters Laverne Miller Jesse Killion ★ Support this podcast on Patreon ★

Explore the changing landscape of storage rents, financial considerations when investing, and the benefits of single asset syndication and funds for LPs. Get ready for a deep dive into the self-storage sector with an experienced investor with Jacob Vanderslice, co-founder of Van West Partners. About Jacob VandersliceJacob Vanderslice is the co-founder of VanWest Partners, which focuses on commercial real estate, including adaptive reuse retail and multifamily properties. Since 2015, they have specialized in self-storage acquisitions and development, with Jacob leading the investor relations team and leveraging his 15+ years of experience in investing and operating self-storage facilities.Here are some power takeaways from today's conversation:[06:21] Self-storage performance during economic uncertainty[13:18] Considerations for acquisition or development decisions[26:07] Consider your financial goals when investing in storage and other fund vehicles[27:55] Why analysis for storage is complicated[29:07] The changing landscape of storage rents[31:56] The pros and cons of the fund to the LPEpisode Highlights:[26:07] Consider Your Financial Goals When Investing in Storage or Other Private Fund VehiclesWhen investing in storage or other private fund vehicles, consider your financial goals. Quick exits for high IRR and low multiples may be appealing, but relying on short-term exits in the current market conditions requires caution. The past trends of compressing cap rates, rising rents, and low cost of capital may not be sustainable. Instead, focus on long-term cash flow, depreciation benefits, and potential capital appreciation. Seize opportunities without banking on immediate sales and be prepared for a longer investment horizon. [29:07] The Changing Landscape of Storage Rents: A Cautionary TaleWhen evaluating storage investments, it's important to be cautious about relying on historical rental rates. Traditionally, investors would analyze T12 rental data, but with evolving consumer demand, this approach is no longer reliable. Acquisitions are now based on more recent data and current market conditions. For example, in Lakeland, Florida, there has been a softening in the market, leading to anticipated rent decreases. It's crucial to access up-to-date information and adjust expectations as historical benchmarks may not reflect the current landscape of storage rents.[32:56] Exploring the Pros and Cons of Single Asset Syndication and Funds for LPsSingle asset syndication provides control and focus for investors who prefer choosing specific deals and markets. However, if an investment underperforms, there are no other sources of value creation to offset the negative performance. Funds, on the other hand, offer geographic and cash flow diversification through multiple properties, balancing out underperforming investments with successful ones. LPs have limited say in deal selection and market decisions in funds and may face challenges such as filing multiple state tax returns. While single asset syndication allows for precise deal selection, it carries higher risk. LPs should consider their preferences and risk tolerance when deciding between these investment options. This show is for entertainment purposes only. Nothing said on the show should be considered financial advice. Before making any decisions, consult a professional. This show is copyrighted by Passive Investing from Left Field and Left Field Investors. Written permissions must be granted before syndication or rebroadcasting.Resources Mentioned:VanWest PartnersEmail: jacob@vanwestpartners.com Use this for book links: https://www.leftfieldinvestors.com/books/ Avoiding Rookie Errors as a Left Field Investor: 20 Lessons Learned From 14 Years of Passive Investing in Private Syndications by Steve SuhAdvertising Partners:TribevestRise48Aspen FundsVyzerGSP REI

Hello and welcome to another episode of the Think Multifamily podcast, where we break down the complexities of multifamily investing.  Today, we have a special treat for our listeners. We're joined by the master of multifamily himself, Mark Kenney, who will be providing us with exclusive insights into the benefits of coaching with Think Multifamily.   Have you ever wondered what happens when a Think Multifamily coaching client submits a multifamily deal for review?   Today, you get a sneak peek into that process. Mark will be discussing the crucial things he looks for in the deal analysis before making suggestions to the client about the acquisition. He'll discuss factors like the property's year, class, occupancy, and location to get a holistic view of the property. He'll evaluate the asking price and dig into CapEx - the money that will be spent on the property and how it's allocated between interior and exterior improvements.   Mark will walk us through the timeframe of the proposed rehab and the rent plan - is there potential to increase rents? He'll evaluate unit size because if units are too small, securing a loan could be challenging.   He'll also dive into the intricate details of loan information. He'll explore closing costs with different types of loans – conventional, bridge loan – and discuss the variations that come with different loan types. He'll examine other potential fees and the provision for working capital.   In addition, Mark will delve into T12 analysis, looking at factors like property taxes, insurance, industry standards, and utilities. Finally, he'll discuss how the member is structuring the deal and the splits between the general partner team and the passive investors.   Join us as we take a deep dive into the multifaceted world of deal analysis with Mark Kenney. This episode promises a wealth of knowledge for everyone, whether you're a seasoned investor or a newbie looking to break into the world of multifamily investing.   So stay tuned, Think Multifamily listeners. You won't want to miss this!   Let's listen in now.

Welcome to Wednesday Q&A, where you ask questions and we answer them!In this Wednesday Q&A, we answer your questions about what exercises are appropriate for during and after recovery from both slipped and herniated discs and the impacts a large belly can have on our spine and overall movement patterns. Your questions:My husband recently tried to move a heavy chair and within less than a second he collapsed forward and couldn't move. After visiting the E.R. and having an MRI, we now know that he has three herniated discs, one lower thoracic and two lumbar, and spinal degeneration. He loves exercise and in the past was a runner and loved high-intensity plyometrics. He feels as though he will never be able to do these things again. Do you have any thoughts on appropriate exercise for recovery - he loves a good sweat and core work he can do without causing back pain - and whether or not he will ever get back to where he once was? I've slipped a disc, L5-S1. Have started physio now. What exercises would you recommend?I have observed many men that get large bellies appear to have a high lumbar hinge. Is this similar to pregnant women who, during pregnancy, develop a higher lumbar hinge between T12 and L1? Is the large belly that some men develop similar to pregnancy and does it have the same effects that a pregnant belly would have?To learn more, and for the complete show notes, visit: lytyoga.com/blog/category/podcasts/Do you have a question?DM Lara on Instagram: @lara.heimannDM Kristin on Instagram: @kbwilliams99Email us at support@lytyoga.comSponsor:Visit almondcow.co/shop and use code LARA for a discount off your purchase! Hosted on Acast. See acast.com/privacy for more information.