Podcast appearances and mentions of tom what

Mindy Jensen from BiggerPockets joins us to share personal finance and self-management tips, strategy considerations, side hustle ideas, and what it is like to be a female investor in a historically male-dominated industry.    --- Transcript Michael: Hey everyone. Welcome to another episode of The Remote Real Estate Investor. I'm Michael Albaum and today I'm joined by my co host,   Tom: Tom Schneider.   Michael: Mindy Jensen from BiggerPockets is joining us today. And she's going to be talking to us today about some personal finance tips for those of us who are just getting started, as well as what is it like to be a female investor in this space, and some tips and tricks and takeaways for all of our listeners. So let's jump into it.   So Mindy Jensen, thank you so much for taking the time to hang out with us today. I was telling you before we start recording, I am a total fanboy. I'm all giggly today. So thank you, again, for hanging out with us.   Mindy: Well, thank you for having me. I love talking about real estate.   Michael: Awesome. Well, you are in the perfect place to do so. So I know all about you, because I'm a big fan of your podcast, the BiggerPockets Money Podcast that you and Scott host. But for all of our listeners that might not be familiar with you can you give us a little bit of background on kind of who you are, where you're from, and then how you got your start with real estate?   Mindy I was born in a small town in Southern Illinois. And then I moved and moved and moved and moved and moved and moved and moved and moved. And I'm in my 28th or 29th house now, which is actually really relevant to the story. It sounds like a boring, I was born in a small town. And I have never lived in a house for more than six years in my whole life. And I just sold that house that I lived in for six years in January. So it's been like, we move all the time.   And that is really key to my preferred method of investing in real estate, which is called the live & flip, you buy a very unattractive house, you move into it as your primary residence, you fix it up while you're living there. If you live there for at least two years as your primary residence, it is tax free growth, when you sell it, you pay no taxes up to $250,000. If you're single, and up to $500,000, if you're married, I now have a new goal to actually pay capital gains taxes on my flip, I want to get to the point where I have to pay because I've made so much money, which is a very real possibility given our current market, the fact that I got this for a steel and a half, and we're doing a lot of work to it.   But in general, I live in flip. I love real estate. I love talking about real estate. And yeah, I'm a mom of two girls and I live in Colorado.   Tom: Awesome. I love the live in flip strategy. I think I would like you know, with these types of strategies, you know, you have to be very much on the same page as your partner so and I don't think it would fly as much but I'm curious in you know doing this strategy like how big of a renovation Have you done with a live in flip flip Have you done like, you know, like basically camping in in in studs, the ground? Or do you like have some sort of limitation on how big of a project it is?   Mindy: I have limitations now sold this is it's actually a really, really great example of like how big you can go, I have popped the top twice on houses. That means adding a second story, I will never do that again. Because I'm too old for that garbage. It is a lot of work. And when we were popping the top on our most recent house, my youngest was three years old, my oldest was six years old. We at one point had the washer and dryer in the kitchen with holes dug into the kitchen tile floor, which was gross anyway, we're gonna change it anyway.   We we drilled holes in the floor so we could put the out pipes and the water supply pipes into the crawlspace. And the rest of the house was walled off, or it was plastic tarped off because we were building the the addition and the second story.   So in the cold of Colorado, that's really not fun. And we were sleeping in a bedroom with our two children. And my father in law was sleeping in the other bedroom because he's an electrician, and he was helping us rewire the house. We took it from 60 amp service to 200 amp service and basically just rewired the whole thing. When you take it to the studs you can do that. So it was a big undertaking. We there's not a wall in that house that we didn't touch. But why would somebody choose to do this?   Well, I bought it for $176,000 I sold it for $598,000 and I put about $100,000 into it so you do it for the money.   Michael: Wow.   Tom: That's incredible. And the two years so the the tax.   Mindy: This match tax. I guess one more? Yeah, zero. It's incredible. My other specific to the live in strategy, or do you think back on some of the houses on the ones that got away like Oh man, I wish I was still in that? Or is the upside of kind of going through the process and getting those rewards does that, you know, just kind of smooth it over. You're like okay, I'm excited to be on the next one, you know, or do you ever like kind of fall in love I guess and you know, what's the name of the show? Love it or list it you know?   Mindy: Oh Always list it, always list it. And this is actually so I am a real estate agent. And I don't understand the concept of falling in love with the house. There's what is there like 40 million houses in America or something that houses in America, there isn't just one perfect house for you.   Michael: Yeah, totally legit.   Mindy: There's not just one perfect house, there's always going to be another house, that's going to be great for you. So I have never fallen in love with a house. We did have one house that we brought our two children home from the hospital and after they were born, that's really sweet. But the taxes on that house when I sold it for $17,000 a year. Oh, Wisconsin, super high tax bracket. So that I don't miss that at all. I mean, my, my current mortgage payment was my monthly tax only payment on that house. That's ridiculous.   Michael: That's crazy. I think that the saying goes the deal of a lifetime only comes around about once a week. So there I couldn't agree with you more Mindy.   Mindy: You know what the house that I just told I pointed to where it is, it's it's on the other side of town, that house that I just sold was the deal of a lifetime, but the one I'm sitting in now is going to be even more the deal of the lifetime. So yeah, you can find a good deal anywhere.   Michael: So I really want to dig in to two specific topics with you today, because I know that you're an expert in both. One, I would love to get some personal finance tips from you, for folks that are just starting their real estate investing journey I live in flip could absolutely be one of them. And then I also want to talk to you about what it's like being a female investor in the space. And I know that you've got experience again in both those areas. So if I am just starting out, and…   Mindy: I do I have like a lifelong experience, lifelong experience as a woman. So just starting out in real estate, buy low and sell high is kind of the the Pat answer. But really, if you are looking to get started investing in real estate, you need to be educated, you need to know what it is that you're going to do with your investment.   And it seems so easy to be a landlord. But there's a lot of things that you need to know if you want to be a landlord. And if you don't know those things, you are going to mess up and you are going to lose money. And you are going to, in some cases hate your life. I know when you don't know that you should screen a tenant. And you don't know that a 400 credit score is not indicative of a person who is going to be paying you on time every month, you might rent out to somebody who has a 400 credit score, you didn't know because you didn't even run it and you let them move into your house. And they trashed it because they are bad tenants. And you didn't know that because you didn't call it their past landlords and you know, their kids wreck the house and you didn't know they had kids because you didn't screen them.   There's, there's a lot of things and not that you shouldn't rent to people who don't have kids. I'm not advocating against fair housing laws, you need to know who's living in the house. And when you rent it to Michael and Michael doesn't have doesn't say, hey, I've got 17 kids, you know, you come into occupancy, you had a bit against occupancy issues. And you know, or Michael brings his brother Tom, and Tom brings his friend Joe, and then there's 76 people living in your house and you're like, wait, why is it trashed?   I'm not surprised at all. So, if you want to invest in any type of asset class, you need to do your research and if you cannot explain how you are going to invest and and how somebody should be investing in that particular asset class, you should not be investing in that asset class. I'm not in but Bitcoin. I'm not in crypto because I don't understand it. And this is not an invitation to send me an email to explain it to me. I don't want to know.   Tom: Michael's a big, big ferret guy, I wouldn't rent to him because, like,   Michael: Tom!   Tom: It's cute, he's taught them to do these tricks that he showed us, but big…   Michael: Tom, time out. It's chinchillas.   Tom: I think we segued…  Michael, I think we're okay. Chinchillas apologies.   Mindy: I'm gonna jump in here and say, OMG , I would never read to somebody who had ferrets because ferrets stink.   Tom: Michael apparently likes it. Sorry chinchillas.   But okay, getting back on the rails. Mindy, you know what I love my like takeaway from what you're talking about is just having your eyes wide open of like going into risk. I think like with any type of investment that you're doing it be it crypto real estate. Successful investors, they are cognizant and intentional about the risks that they're taking, be it who you're renting to be it the property condition and like what your capacity is, so just love that as like a takeaway on this episode of of intention with risk and eyes wide open in education and filling that gap.   Mindy: Well, that was a better way to say it.   Michael: No I prefer the 76 circus family.   Mindy, a question for you kind of in that same vein. And so we have the education side of things at the Rootstock Academy and I love that you brought up education totally unprompted. I just want everybody to know that we didn't prompt Mindy with that. But how do you draw the line between getting educated, and knowing when enough is enough to then jump in or dip your toes because I know that's something that I struggled with, I spent about two years self educating before ever doing a real estate deal. And even I'm still learning and I was 10 years ago, I'm still learning every single day. So how do you feel like you're you have enough to be dangerous to then go do something with without getting analysis paralysis?   Mindy: Well, started young is really great. Because when you start young, you feel like you know everything, and you don't feel like you need to do all the research. And that's how I got started. I just knew everything when I was 26 years old.   I do like that you said, you know, analysis paralysis. And at one point, do you do you stop educating? You need to be able to understand what you're doing? Hey, how do you invest in real estate? How do you rent out your house? Oh, you know, you just put it on Craigslist.   That's not enough information. You need to learn how you rent out a house. How do you screen a tenant? How do you buy a house? How do you collect rent, like there's a lot of things that you need to think about? Before you just buy a house and throw some people in it. You're providing housing for somebody, you're giving somebody a place to live, you need to know that it's a safe place to live. It's a habitable place to live. And you need to know that they're going to pay you rent.   I mean, once you can start explaining it to other people, I think you've done enough research. You'll always continue to learn, you will always continue to refine and hone in Hey, it turns out I don't want to rent to Mike that has 17 chinchillas. I want to read to Tom who has four little dogs because I know that big dogs cause disasters or I'm not going to rent to Tom anymore because his cats poo. That was not a pleasant experience.   And you know, you will always,  you will always continue to learn. Yeah, that's sometimes cat spray. But being involved in a community that continues to help each other out, is really the best way to go about it. I mean, BiggerPockets is a community of real estate investors helping other real estate investors learn how to do it explaining from experience that, you know, renting out to the chinchilla farm isn't the best choice. Or, you know, renting out to 17 guys who just turned 18 years old in your four bedroom house is probably not going to have the best results.   Yeah, and you're not discriminating, you're just being smart about your your applicants. But even how you find applicants is going to be something that you learn through asking other people.   Tom: Like synthesizing along with the education piece is like community is like such a huge piece about, you know, a really important aspect and feeling comfortable to make that jump, I think and Michael was was talking about just because investing in real estate can be difficult, right? You're right, you know, pop in the top and in Colorado in the winter, you know, having that community of people to one from the education standpoint, but to just as the either, you know, feedback loop or helping, you know, continuing to move forward. Kind of the combination of the two are is really important. And yeah, love BiggerPockets. This is a fantastic spot of that community aspect.   Mindy: Yeah, it's my favorite website on the whole planet.   Michael: I love that. You mentioned the community aspect of things. Because I think so many investors, especially those who are just starting out think that going from due diligence to then you're the first acquisition is that's it, I bought the property now I'm done. It's like, Well, no, now the work actually starts now you own the property. Now you really need that support for the ongoing stuff, not just from the due diligence acquisition.   Mindy: Yes, and this support is really important because sometimes there's not really much you can do. But having somebody to commiserate with is really helpful. But as you're in there talking to other investors, you pick up little tips. One of the best tips I ever picked up for screening tenants is to after they have seen your home, you walk them to their car, you just walk them out and you know, chat, whatever. But while you're at their car, you give it a little peek. Oh, look at that. I can't even see anything in there because there's garbage and wrappers up to the tops of the windows.   You don't want to rent to that person because they how they keep your their cars, how they're going to keep your house and you don't want to go into a completely trashed house. unless that's your thing.   Michael: And teach the road, no judgment, no judgment. I've heard of another similar tip of doing a FaceTime interview with prospective tenants and having them give you a tour around their current living situation.   Mindy: That's another really great tip, because then they're not really expecting to do a tour so you can see how they truly live. And this isn't to discriminate against people who might be slightly untidy, this is to prevent people who will not treat your property with respect from moving it.   Tom: Canary in the coal mine. One thing I love about these episodes is they're there, they can be very self serving. So I have a very self serving question for you. And this is, I guess, for broader people, or as well, if let's say I'm saving up for downpayment on the next acquisition to buy an investment property. What are your thoughts around like, where to hold that money? You know, or I'm going through a cash out refi and going to have a big chunk of change coming in them and to be using for these acquisitions? What do you think about holding it in a cash cash position versus putting it into an ETF or a CD? Or I'd love to hear your your thoughts on that. I mean, a lot, a lot, a lot there.   Mindy: A lot there. But it comes down to what is your risk tolerance, if you have just happen to have a big chunk of change from a cash out refi and you're looking for a property? How comfortable are you with that dollar amount dropping in value. So if you can't, if you need the $20,000 for your down payment, and you don't have a way to replenish that $20,000 easily, I wouldn't put it into an ETF, I wouldn't put it into the stock market at all, I would put it into a high yield savings account, which is only in air quotes, because they're currently at like point 5% or something.   You could maybe put it into bonds, I wouldn't bother with that. If it was not going to be a super long term play like two or three years. If you're going to get it in like three or four months, I would just put it in the cash account, your job is not to grow that, you aren't going to grow that in any significant way. You're not going to put it I mean, you could put it in Bitcoin and watch it go up super a lot. But did you see what happened with Bitcoin? This week? Wasn't it like? Didn't it drop like $30,000? or something? I don't I don't invest in bitcoins.   Tom: Crushed. Yeah, so I just put a very little amount and I've and I've lost, I've lost half of a very little amount.   Mindy: So how would you feel about your $20,000 that you put in Bitcoin because it's a sure thing, and then all of a sudden, now it's $10,000. And you're like, Oh, my money's gone. I don't like to lose $1. So I don't like to be really in really volatile things. I'm mostly in index funds, I have a few tech stocks, and you know, real estate, but I wouldn't put it into anything that that is volatile when you're looking to use it within the next two or three years. And even then, with two or three years, I'd be in like bonds, which are fairly safe, they're not even really growing that much. Your job is to protect the money.   Michael: That makes total sense. I guess that's a really great point in talking about like, your job is to protect that money and to go make that investment in the real estate. And don't worry about everything else. That's just noise if you're trying to grow it and grow it, but focus on the task at hand Don't get distracted. So no more Dogecoin betting Tom, enough is enough.   Tom: I know. And also just a point I want to clarify. Michael is not a ferret guy. I was being silly. Yeah, yeah. The guy didn't realize he clarify.   Michael: Yeah.   So Mindy, you've got some really great insight into a lot of folks his financial purview, I'll call it and so in terms of side hustles, when people are just starting out or looking to grow some additional cash positions to invest in real estate, what have you seen be really effective in terms of side hustles?   Mindy: There is this thing called a signing agent. And it is more towards the west coast of the country than the East Coast. It's four not attorney closing states but title company closing states and notary closing states, you are essentially walking somebody through the closing process and watching them as they sign their name on all the mortgage documents and all the closing papers.   And this is an amazing side hustle because you get to if you have attention to detail, and if you don't, don't even bother, but you get to read mortgage documents over and over and over and over. Again, you're reading the contracts, you're seeing all these things, it's a great way to learn about the process in general. And you make 150 $200 a closing, a closing takes what an hour, you can do those all throughout the day, if you have time during the day, when people are working is not when they need you, it's when people are off work. So nights and weekends.   If you're willing to work nights and weekends, you could make a good chunk of change. I've seen people making, you know, $2,000 a month, just on this little side hustle, and they're not even really spending that much time on it. The cost. The barrier to entry on this is a box of black ballpoint pens, a box of blue ballpoint pens, and a really good printer. And I think it has to be a laser jet, not an inkjet.   It's like a less than $1,000. And you have to be a notary. So you have to go through your state's notary process. I'm not one. So I don't know. I don't know all the process about it. But we talked to a guy who runs a school that that teaches people how to do this and teaches them how to get the jobs to be signing agents. And if you're really good, if you don't make mistakes, people will continue to request you because you're really good.   Tom: Gosh, I love that tip. I feel like I've seen so many like clickbait articles of like passive income. And this is like the one of the best ones I've ever, I've ever heard. I looked into the notary getting that I have a competition with a friend on who can get the most certifications. And this is one and it's not that I think it's like in the state of California where I live, it's like an afternoon of work. Or it's like a certain number of hours. And there might be a test and there's like a low oil, loyalty oath or something like that. So Mindy that's fantastic example of a great side hustle.   Mindy: I got another one. Let's hear it. Yeah. Okay, another attention to detail. I am a real estate agent, I also have a full time job. So I do not have time to double check and triple check all the things in my contract. After we're, you know, I write up the contract for my clients, we get under contract. There's a lot of dates and deadlines, a lot of dates and deadlines. I would just be crushed if I ever allowed my client to miss a date or deadline. And yes, the buyer should be aware of all the dates and deadlines, they should have that upfront. So they're not missing it either.   But I pay somebody who is called a transaction coordinator, I pay her to help me. Remember all the deadlines helped me keep all the deadlines helped me. She files my paperwork with my company so that I get paid, she submits it to the title company. So I get the check at closing. It's called the transaction coordinator, I pay her $400 per transaction. I did 15 transactions last year. And I'm not a busy agent. So you get in with a busy agent who's doing 40-50 transactions a year, you can make some big money.   And it's like an hour of work. It's probably not an hour of work. Maybe she spends, I don't know, five or six hours on my entire transaction from start to finish. She's got it down. I sent her the information. I introduce her to the clients, and then she just sends us an email. Hey, just reminder. I mean, I'm helping people buy $500,000 houses. I'm not going to let you miss a deadline. I would much rather pay $400 to somebody who double checks that I'm not missing deadlines.   Michael: That's such a good tip.   Tom: How would you market yourself as a transaction coordinator in like getting that type of business? I'd love it. Yeah. Just reaching out to agents?   Mindy: Yeah, I would absolutely reach out to agents go to every agency in the city and just say, Hey, I'm an agent, or I'm a transaction coordinator. I'll do your first transaction for free. This is how much I charge. This is how great I am I you know, I set it all up. I do all these things, whatever. It's not that hard. I want somebody as a backup because I am really good. But if I missed the deadline, I would just feel terrible forever. So I want somebody to help me do all the things. Yeah, if you want to go to like literally every agent, if you have one agent client, you will get a lot more because I'm going to tell everybody that I know how great Lacey is. Lacey is great.   Tom: Shout out Lacey.   Michael: That's fantastic. I love that. I love that tip. Because again, that's one of the things that's like in the real estate ecosystem. So you're getting exposed to the to the market to the industry, and you're making money. I think that's awesome.   Mindy: You're learning contracts, you're learning lenders, you're talking to home inspectors and title companies and you're really touching every part of a transaction. She's involved in every part of the transaction, and she sees all the things. So she actually did used to be an agent and said that she prefers transaction coordination.   Michael: So in flipping the narrative a little bit, so that those are some great side hustles that folks can do to help generate some additional cash for their savings for down payments or for investing. What are some of the pitfalls or traps that you've seen new investors fall into?   Mindy: Not being well capitalized, when you buy a house, something will break, I guarantee you, there are very few guarantees in life, it is a guarantee that when you buy a house, something will break, the cost of that repair is inversely proportionate to how much money you have in your reserve fund. If you are very well funded, you get like a broken light switch cover or something. But if you don't have a lot of money, all of a sudden your AC goes out, and it's 105 degrees outside, or it's 30 Below and the furnace breaks.   Something will break. And if you don't have money to pay for it, you shouldn't be buying a house.   Tom: Do you have a rule of thumb on reserves?   Mindy: I really like $10,000, To start off with, like per property rather than?   Michael: 1 million dollars.   Mindy: 1 million dollars. Yes per property. And that is, it's you know, it's a rule of thumb where rules of thumb are like give or take, I have a good paying job, and very low expenses, so I can cash flow, anything that comes my way, I don't have any reserve fund. But I also am able, you know, I have a great line of credit, I can just, if I need a roof, and for some reason my insurance company isn't going to pay for it, I can go and find the $15,000 to put a roof on my house, if you don't have any money in your reserves, you're going to really be hurting and you have to have a roof and you can't not have a roof.   $10,000 is a good place to start. And then I would continue to add to it at a rate of approximately 1% of the purchase price of the house per year. Once you get to like $20,000 I'm trying to think what would cost more than $20,000 to repair on a house right now. And you know, prices have gone through the roof with COVID. And all of the crazy supply issues that that we're having right now. So maybe $20,000 is going to be a better bet. But you know, if you're replacing stuff, it's probably not going to all break at once. And it's probably not going to cost you more than $20,000.   And yes, that is per property until you get to a certain point, like if you have four properties that are in relatively good condition. Oh, condition is another thing. Like if you have a brand new build, you probably don't need $10,000 in your reserve fund. But if you have, you know, a 1950s build, you should probably go $20,000 in your reserve fund unless it was just all you know, remodeled and everything's brand new.   Tom: Yeah, one thing I love about that response in it as well as is there's you know, it's it's dynamic, right? If it's a newer house, or if you have a big line of credit, like it's not real estate and all this it's not one size fits all, there's, you know, strategic considerations on where you're at and, and the property, all of that good stuff.   Mindy: Yeah. And it comes down to like, what kind of financial position Are you personally in? If you're well funded personally, you'll be probably okay. But you know, with COVID when they did them, eviction moratoriums that people stop paying rent, there were owners of four plexes and eight plexes that had 90% of their tenants not paying rent, I guess that doesn't work in a four Plex that would be 75% of their tenants not paying rent, how are you going to pay the mortgage on your house if your tenants aren't paying your rent? And if you don't have six months of all the payments in an account, you need to be getting six months of all the payments? I mean, how long has the eviction moratorium been going on? Like 10 months or something? And it's supposed to schedule through like, is it September? That's the student loan one. Maybe it's the end of June or July? I don't know…   Michael: I think it is September?   Mindy: Yeah, it's fluid with all the different states. But it's, that's a significant amount of time that your tenants may not be paying rent.   Michael: Yeah, that's a great point.   Tom: You touched on an item that I think is super relevant to current conditions, talking about price of materials talking about, you know, just kind of a dynamic market. I'd love to hear has your strategy evolved at all like with the cost of materials going crazy and with like appreciation going nuts on these houses? Or you know, is it as had been pretty consistent through the different market changes that we're seeing?   Mindy: COVID changed my strategy in that we were going to turn our former primary residence into an Airbnb. And when that got shut down, we decided we would rent it out long term. And after we saw all the appreciation going on, we said you know what, I don't really have time right now to go and run an Airbnb. I'm really, really a control freak. So I'm not going to pass that off to somebody else. Let's just sell it be done with the house and move on.   We were incredibly fortunate. We bought all the supplies for many of the projects around the house right before COVID hit. So all the wooden studs for the basement we bought at 2019 prices, not 2021 prices, which is four times as expensive. We've did a whole a big deck edition. And we bought those. They arrived on March, I think March 9, all that stuff arrived. So we like right before they shut down the entire country. We bought all these all of our supplies.   We're building a shed, and my neighbor is doing a renovation, and it's throwing away studs from the 60s. Why would you do that? So I'm going through the dumpster and I'm grabbing those studs, and I'm putting them in my garage. And now I have a new goal. I'm going to scavenge all of the supplies for my shed. And my neighbor's fence got knocked over with the snowplow. So they're building him a new fence. And we're the weirdos that are always working on our house. So he asked us if we wanted his his old fencing materials and his old cedar two by fours and his old cedar four by fours like, Yeah, I do. Because even if I can't use them in the house, I can, you know, he's like, I just don't want them to get thrown away, like I can put them to use.   Tom: What a win win that's brilliant.   Mindy: But I'm not planning any more big projects right now because it's so expensive. And I mean, you can't even go into the store and find two by fours sometimes and plywood. And it's we're doing a lot of painting now, instead of building. And I'm not sure when we're going to change back to building.   Michael: Smart.   Tom: Writing the plan in pencil. That's awesome. I love that that response is cool, because there's like multiple zigs and zags just based on what's what's going on.   Mindy: But if you're not dumpster diving, you need to start it's like construction dumpster diving, don't go to the back of like Whole Foods or something but or maybe. I mean, they throw away a lot of good stuff too. But if you're walking around your neighborhood, and you notice that your neighbor is doing some work peek inside, if you can skip buying 52 by fours because your neighbor just threw a bunch away. That's just that's just smart.   Plus, they're from the 60s so they're straight. I mean, they were sitting outside on the deck and it got wet. And then they still didn't bend and now you get a two by four and it bends before you can get it home. Sorry, I digress.   Michael: You look at it wrong. And it's a warped. Yeah. I was gonna say Tom and I were chatting the other day, and I'm doing a massive redevelopment project. And that budget has just got eviscerated because of the wood prices and other materials. And it's just it sucks. Like, I'm in the middle of it. And there's no way around it.   Mindy: Yeah, I have seen new builds where the buyer put the deposit down and sign the contract. And okay, we're going to start building in March, April. And the builder comes back and says, Okay, now it's going to cost $30,000 more, because wood went up so much. And if you don't want to pay that we understand, we'll refund your money. I've got a line of people waiting to buy this house at the $30,000 additional price.   So what do you do? Do you say yes? Or do you get your money back? I mean, the next house isn't going to be any cheaper.   Tom: It's all just rising so quickly related on the materials costs. I had some read to replace a deck in my house, and we ended up using this bamboo composite and it actually turned out really great. I was a little concerned but our contractor said he had used it on a couple of projects, so shout out bamboo composite decking.   Mindy: Oh, I haven't heard of that before.   Tom: Yeah, it's I think Momo MooMoo booboo, I forgot the name of the exact the name of it. Mozu it might be. But anyways, waterproofs, warranty, all that good stuff. This episode is not brought to you by but we're going to market it anyway.   Michael: Let's shift gears here, Mindy. And I would love to chat with you and get your thoughts, insights, opinions on being a female investor. And what that's like, in what seems to be often a male co opted space.   Mindy: Yeah. So it makes it really easy to that people. It's really easy to decide who I want to work with and who I doubt and it's based on how they treat me. I am not necessarily the only woman in the room, but I'm frequently one of just a couple. And if you you know when you're dealing with contractors, if you call me honey, I'm not working with you, sweetie, baby. Tell me what you need. Tell me what color you want. I don't have a lot of self esteem issues. So if you don't want to work with me, because I'm a woman, I don't care.   I know a lot of people who will work with me because they have this is 2021 Why is that even an issue? But it can be an issue for, you know, for people who aren't as obnoxious as I am. But I want to invest in real estate. So I'm going to and if you don't, if you don't want to deal with me, that's okay, I'll find somebody else who will.   But what is it? Like? It's gotten a lot better. I think that there is a lot more understanding that women are investors. I mean, we're just investing we're not I don't have to lift up the house, I don't have to, you know, use my muscles to do things. So it's like, there shouldn't be any difference. But there are, and I got big muscles. So yeah, it used to be a lot different. But now it's changing.   Tom: I guess, one kind of follow up. Final question related to that. Do you have any advice or recommendation for female listeners who want to become active involved in their area?   Mindy: I am going to go back to the advice that I gave in the beginning and educate yourself. When you come in knowing what you're talking about. People will listen. And the you know, it's okay to ask questions, but ask them in an intelligent manner. And do research in advance to see if you can answer your own question. But there's, you know, there's a lot of nuances in real estate, you can absolutely ask questions based on the nuance.   But hey, how do I get started? Is not the best question to answer to ask, what are the benefits of this strategy versus that strategy is a better way to go? doing a little bit of research, you know, understanding that there are differences and doing a little bit of work on the front end will get you better answers and more people who are willing to talk to you.   But there's a lot of self education, you can do YouTube channels, podcasts, books, blog posts, people are talking about real estate investing right now. And it's like the cool thing to do. And if you want to be a real estate investor, why do you want to be a real estate investor? What do you hope to get out of it? You know, ask yourself all of those questions, and then just jump in.   Tom: Love it. Michael, do you have any other questions? Or is it a good time to jump into some quickfire questions that we have?   Michael: No, Let's jump right in the quickfire? That sounds great. Perfect. All right. All right, Monday, so I'm gonna ask you a series of 10 questions. These are either or questions. Just kind of like a quick, quick response. Are you ready for some quickfire questions?   Mindy: Hit me.   Tom: All right. Consolidation or diversification?   Mindy: Oh, diversification.   Tom: High property taxes, or high income taxes?   Mindy: Oh, I don't like either of those. Um, I would say high income taxes, because there are ways to shield the income taxes. And there are ways to reduce your taxable income, whereas they're your property taxes, just your property tax.   Tom: I was going to let you get away with neither are you going but your answer ended up being much more interesting. Good one. I like that. All right.   High rent growth or low vacancy.   Mindy; Ooh. Oh, right. Yeah. turnovers their profit killers. So yeah, low vacancy, I guess. No, I like these questions.   Tom: I know. That's what that's why they that's what they call it the hot seat. All right. Next one. Cash Flow or appreciation?   Mindy: Cash Flow always because you cannot predict appreciation unless it's forced appreciation. I like forced appreciation more than cash flow. But you didn't say force you just said regular.   Tom: Yeah, I think you could take any flavor of that.   Mindy: Oh, then forced appreciation.   Tom: Excellent. Debt or equity?   Mindy: Equity.  No, well, no debt or equity?.... debt right now because it's so cheap. Yeah.   Tom: Yeah. I love it. Love it. Love it. All right. Next one single family or multifamily?   Mindy: I've always done single family, but I see the appeal of multifamily.   Michael: Alright. Alright, so, right.   Tom: All right. Yeah. local or remote investing?   Mindy: Ooh, I prefer local but I've done both. I just like to be there.   Tom: I think I know the answer to this next question, turnkey or massive project?   Mindy: Massive project.   Tom: All right, final three questions we're going to these are a little bit outside of the real estate box.   The midnight oil or the early bird worm?   Mindy: Oh, early bird worm. I go to bed super early but I get up early to early bird.   Tom: Early bird worm, me too. Alright. text message or email?   Mindy: Oh, email because it's illegal method of notification and text message is not.   Tom: Good. And the final question here, all of your answers are like really thoughtful like good, really great responses we've had like, I've learned I usually it's like I'm not learning things on these hot seat but like this. Alright, mini the final one. Olive oil or butter?   Mindy: Oh, wow, it depends on if you're doing high heat cooking. Butter will burn olive oil is a high heat oil. If I'm putting it on a muffin, it's butter.   Tom: Alright, butter. Butter. It is Yeah. You not only survived the hot seat, you thrived. That was fantastic.   Michael: I'm just picturing an olive oil soaked muffin.   Tom: Dude, olive oil cake. It's a thing. It's a thing.   Mindy: Oh, really? Yeah, I made brownies. Once I made it. I didn't have any oil. So I use olive oil and it did not taste good. I mean, they were brownies. They were still okay, but you could taste the olive oil with Yeah, that's really good to know.   Tom: Thank you so much Mindy for coming on. I love these. I love these episodes, because it's kind of self serving and just learning a ton. Really appreciate your time coming on.   Mindy: Well, thank you for having me. This is super fun. I like that hot seat. Actually. I just didn't like that one question.   Tom: That was the best Hot Seat I think we've we've had like over 100 episodes and…   Mindy: Oh, I was gonna say what is this episode two?   Michael: That's great. No, that that was that was by far the best one. Really? Thank you so much for taking the time for hanging out with us and helping educate. This was great.   Alright, everybody, that was our episode a big big, big thank you to Mindy. That was a lot of fun bar none best quickfire answers we've heard on the show to date. So for all of our future guests, that's a challenge to you to top Mindy's answers.   Hope you enjoyed the episode today. If you would like please feel free to give us a rating review wherever it is. Listen your podcast. If you're checking this out on YouTube, please feel free to subscribe to the channel so you get all the most up to date episodes as they come out.   Again, thanks for listening and happy investing.   Tom; Happy investing

Tom Colicchio bristles at the idea of a “celebrity chef.” He’s also the lead judge on Top Chef, one of the most iconic cooking competition shows of all time. This week we ask Tom: What role should TV play in a chef’s career — and does a chef need to go on TV to be successful? Plus, we talk about the future of restaurants, our national food supply, and how to solve the restaurant labor shortage. // Get 500+ more great Sporkful episodes from our catalog and lots of other Stitcher goodness when you sign up for Stitcher Premium: www.StitcherPremium.com/Sporkful (promo code: SPORKFUL). Transcript available at www.sporkful.com.

This week Frankie Tortora and Steve Folland have a chat in response to a question from Detective Tom Snow, aka Anonymous. They say:“Hi Frankie and Steve,My partner is a very creative person, but is currently doing an employed job that helps others in creative education, but is bogged down with institutional admin, company politics, meetings etc. It doesn't allow her to be creative herself.I'd like to encourage her to take the leap to become self employed and find the thing she loves doing. Finding 'the thing' is the hard part — how do you turn your love of creating and making into a money earner? How do you find what your passion might be on the one hand, and also think about how it will bring in money on the other?Thanks a lot, Tom"What would your advice be? Let us know your thoughts using #DIFTKpodcast on Twitter and Instagram, and join in the conversation via the DIFTK Community on Facebook.•••This episode is supported by Penfold.The flexible pension for freelance parents. Penfold provides freelancers with an online pension that’s simple to use and completely flexible.Sign up with the code DIFTK and get a £25 bonus into your pension pot. Penfold are also offering up to a £1,000 top up on pension transfers until the 31st of March 2021, so you can earn more from your old pension pots!Penfold is regulated by the FCA. When you put money in a pension, it’s an investment, and like all investments, your capital is at risk. Check for benefits before transferring.Go to www.getpenfold.com/diftk•••Frankie Tortora's websiteSteve Folland's websiteSteve's podcast - Being FreelanceDoing It For The Kids websiteDIFTK Facebook CommunityDIFTK InstagramDIFTK TwitterSupport DIFTK on Ko-Fi

The crisp winds of late September rocked the nearly naked trees outside of the Democratic National Headquarters in Washington D.C. And Though Tom Perez stood alone inside of the building’s briefing room in his dark flowing robes, he wasn’t really in-the-moment. He stared off into the distance saying nothing, much to the alarm of his blue-tinged incorporeal guests—holograms seven in number who hovered slightly above Tom. Each of these guests wore a similar set of dark robes, the attached hoods pulled up and over casting ominous and obscuring shadows over their faces. As alarmed as they appeared they waited patiently for Tom to return from wherever he had gone. This time Tom had gone far back into his early childhood; he was eight and his then-best friend Billy had just taken back the baseball card he had given him seconds prior. Stunned Tom heard his child's voice shout, “But you promised!” In reply Billy only laughed and held out two twisted fingers before saying, “Doesn’t count! I was crossing my fingers behind my back!” Without warning Tom snapped back into the present: late September of 2018. One of the hooded holograms noticed his change in posture and said, “You with us Tom? What do we do about Kavanaugh? Everyone’s saying we go full court on this believe women thing and come out strong for Blasey Ford. Gotta admit it’s good optics...” “I don’t know…” said another hologram “This is risky, we put all our chips down publicly, and it could end up biting us in the ass in the long run.” At this the gathered holograms murmured assent. Tom looked down at his fingers, crossed and uncrossed them a few times and then looked up at his guests. “I have a plan.” He said. Topics Discussed on Today’s Episode Include: Nancy Slay Queen, Mini-Moore’d, Loan Talk, Cait’s Twitch Show, Metal Gear Biden, Tara Reade, Diet Coke Container Rankings and Jokerfied! VOD Link: https://www.twitch.tv/videos/604149005

In Episode 98, I'm chatting with Tom Rosenberg, CEO of the American Camp Association. Last year, in Episode 46, we talked about summer camp, accreditation, and #CampKindnessDay (July 23, 2019). In this episode, we talk about the research about the positive impact of camp, our joint passion for partnering with parents to bring camp to schools and homes. Tom uses my new favorite word, "camplify," to describe this spreading of the camp message to other venues outside of camp. Big Ideas There are an estimated 14 million kids going to camps in the U.S. this summer. Ninety-three percent of American Camp Association camps offer financial aid and scholarships for campers. Parents need to work well in advance to apply for those resources. Parents can use the 'Find A Camp' tool on the American Camp Association's website to search for the ACA accredited camps. This is a parent's best assurance that a camp has met the foundational standards of a safe and healthy camp experience for their child. There are many different kinds of camps. There are camps for specific cultural groups, for kids with a particular medical disorder, for kids with a specific area of interest, and many, many more. It's important for parents to visit a summer camp before sending their child to one so that they can see what camp is all about. At camp, kids have the opportunity to learn to be themselves, make mistakes, learn from those mistakes, and try again. The American Camp Association website provides wonderful videos and other resources for parents. Camp helps kids build relationship skills and learn from people with different backgrounds and experiences. Camp is about positive risk. The more kids put into their camp experience, the more they get out of it. People who been camp counselors before becoming teachers or parents really have an advantage when it comes to relating to kids. Camp techniques work at home too. On Tuesday, July 23rd, we will be celebrating Camp Kindness Day across America. Quotes Tom: "All different kinds of camp experiences are more accessible than ever before and we're working hard to provide more equity around the affordability of camp, and the accessibility of experiences. Ninety-three percent of American Camp Association camps offer financial aid and scholarships. The trick is that parents have to work well in advance of the summer to apply for those resources." Audrey: "This is the time to start thinking about next summer. If there's a camp that you're really interested in, you can tour the camp while it is in session to see if its a good match for your family, meet some of the staff and campers." Tom: "I'm a former camp director and I'm the CEO of the American Camp Association but I still, as a dad, find myself trying to help my child not make mistakes. I find myself trying to protect him and camp is a place where kids have the opportunity to learn to be themselves and make mistakes. And learn from those mistakes and try again." Tom: "It's hard for a parent that hasn't been to camp before to have the experience, and to understand the experience, and to know how professional camp directors build a physically and emotionally safe place where young adult mentors and camp professionals create these opportunities for kids in ways that we, parents, can't do by ourselves." Tom: "At camp kids learn different ideas, like learning to accept that you and I might agree to disagree about something. At camp kids have the freedom to listen and communicate better with their friends about what they believe in. And even if they don't agree on everything, they learn to disagree amicably." Audrey: "In the world today, those communication skills, resolving conflicts and 'agreeing to disagree' are so important and many adults aren't modeling that. One of the great things about camp is that there are going to be conflicts in the group and that's what we want to happen. That's how kids learn to work through things and communicate." Tom: "Part of growing up and getting to go to camp is to have an opportunity to take some positive risks on a progressive basis, in a structured way, so that you take risks that you're ready for." Tom: "The Pure Research Center's study on teens, technology, and friendship found that just one out of four teens in the study were having daily out-of-school social contact time with a friend, in person. And that a great number of the new friendships that they were forming were digital. Only one out of five of those digital relationships were finding their way into the in-person realm." Audrey: "I'm finding that kids at camp really enjoy being off their technology when they're at camp. Just hanging out and making these really close friendships at camp is intense face-to-face time for them. It's very different now from their life outside of camp." Tom: "The Knowledge Works Foundation predicts that the most sought-after competencies for the best jobs for kids and young people in 2030-2040 are going to be those that, quite frankly, have camp skills. We're talking about problem-solving, critical thinking, creativity, coordinating with others, emotional intelligence. So camp is positioned to help kids develop a strong inner self that will allow them to be resilient and reflective. And build strong relationships." Tom: "If we do our jobs right, as parents, teachers, and camp directors, this generation will be, I hope, a generation of inventors, innovators, design thinkers, and creatives." Tom: "Here at the American Camp Association, we are looking to help provide camp and camp-like out-of-school-time experiences for every young person in our country." Tom: "What we're really trying to do is help young people and their parents bring those camp values like empathy, kindness, generosity, and compassion from camp home, from home to school, and from school and afterschool activities back to camp." Audrey: "We need to just continue to go out and 'camplify' the world. That's the basis of what we do. We want to bring the magic of connection, relationships, nature and appreciation of differences to the whole rest of the world." Topics We Discuss, Links, & Resources American Camp Association (ACA) Videos for Camp Parents (ACA) Accreditation (ACA Standards) Camp Kindness Day On July 23, the camp community will participate in Camp Kindness Day – an event highlighting the practice of intentional kindness that happens every day at American camps. This is an opportunity to raise awareness of the great work that camps are doing to teach kindness in engaging, simple, repeatable, and high impact ways that live on in the daily lives of campers and staff members when they return home. Focusing on our youth and young adults, Camp Kindness Day will help showcase the commitment of the camp community to fostering the core values of kindness, compassion, generosity, and care, and integrating those values more fully into every aspect of our society. These values are already part of the fabric of the camp experience. We share the mission for our youth to be nurtured, taught, supported, and inspired to grow into our new generation of kind, compassionate, socially-minded, community-oriented citizens. Camp Kindness Day will allow camps to incorporate into their July 23 programming fun theme-based activities and cooperative games, cool projects, and memorable moments which will celebrate the value and impact of kindness. About Tom Rosenberg, CEO of the American Camp Association Tom Rosenberg has a distinguished career in the camp profession and a long resume of service to ACA. He most recently served as the executive director of Camp Judaea in Hendersonville, North Carolina. Prior to Camp Judaea, Tom spent more than two decades with Blue Star Camps in North Carolina, most of those years as a director. Tom is a past national treasurer and board member of the ACA as well as a past board president and treasurer of ACA Southeastern. A founding board member of the North Carolina Youth Camp Association, Tom was awarded the Henderson County Chamber of Commerce’s inaugural Camp Industry Leadership Award as well as the American Camp Association’s National Honor Award and ACA Southeastern’s Distinguished Service Award. With an educational focus in business, Tom graduated with distinction from the Marshall School of Business at the University of Southern California with an MBA and from the AB Freeman School of Business at Tulane University with a BS in Management. He is also a graduate of ACA’s Camp Director Institute. Tom melds his experience in the camp profession with business expertise, inspirational vision, successful fundraising experience, professional agility, organizational skills, and strategic focus — attributes that are essential to achieving success as ACA’s President/CEO. We are indeed fortunate to have such a thoughtful, dedicated, and experienced leader who is willing to take his commitment to camp, youth development, and ACA to a greater level. Tom, his wife Pam Sugarman, and their son Daniel live in Atlanta, Georgia. Links & Resources American Camp Association (ACA) Parent Blog (ACA) Find a Camp (ACA's searchable database) Accreditation (ACA Standards) Kindness Evolution Related Posts Ep. 87: The Impact of Camp Experiences Ep. 46: Camp Kindness Day (2018) Research Finds Children Learn Social Skills at Camp 5 Reasons Not to Worry While Your Kids are at Camp The Power of Kindness Too Much Screen Time? 4 Ways Summer Camp Can Help Happy Campers, 9 Summer Camp Secrets for Raising Kids Who Become Thriving Adults If you're interested in joining a group conversation, seeing videos and additional resources related to Happy Campers, visit the Book Hub.

Join the marriage after God movement today. https://marriageaftergod.com Quote from Marriage After God chapter 6 "Walking in autonomy is not only dangerous for your marriage, it is also rebellious. Our relationship with Christ cannot be separate from our relationship with other believers." In this chapter of marriage after God we end with this encouragement: “Don’t wait to be pursued; be the pursuers. Don’t wait to be served; be the faithful servants. Don’t wait to be loved and invited. Love and invite. Be transparent with your marriage, be honest, and love well. We are all connected. We are all one in Jesus Christ, and He is our head, leading us and guiding us to do His will in this world.” Dear Lord, Thank you for the gift of your body. Thank you for the gift of fellowship and friendship. May we be people who are motivated by love to reach out and be a friend to others. We pray we would have the courage and confidence to be people who welcome others in, who are transparent, who are there for others, who lift others up and who pray for others. Use our marriages to be an encouragement to other marriages. Use us as a team to bring you glory, Lord. Help us to never live in isolation. Help us never to be divided. We pray the enemy and we pray our own flesh wouldn’t get in the way of fellowship. May our desire to participate in your body increase even more! May the way we treat one another be a light and an example to the rest of this world. In Jesus’ name, amen! READ: [Aaron] Hey, we're Aaron and Jennifer Smith with Marriage After God. [Jennifer] Helping you cultivate an extraordinary marriage. [Aaron] And today we're on part six of the Marriage After God series and we're gonna be talking with Tom and Heidi Celaya about the importance of Christian fellowship. Welcome to the Marriage After God podcast where we believe that marriage was meant for more than just happily ever after. [Jennifer] I'm Jennifer, also known as Unveiled Wife. [Aaron] And I'm Aaron, also known as Husband Revolution. [Jennifer] We had been married for over a decade. [Aaron] And so far, we have four young children. [Jennifer] We have been doing marriage ministry online for over seven years through blogging and social media. [Aaron] With the desire to inspire couples to keep God at the center of their marriage, encouraging them to walk in faith every day. [Jennifer] We believe that Christian marriage should be an extraordinary one, full of life. [Aaron] Love. [Jennifer] And power. [Aaron] That can only be found by chasing after God. [Jennifer] Together. [Aaron] Thank you for joining us in this journey as we chase boldly after God's will for our life together. [Jennifer] This is Marriage After God. [Aaron] We just want to invite everyone that's listening to leave a review. That helps other people find the podcast. It's how iTunes works, it's how all the podcast apps work. A review helps us get reach. And also if you would like to support this podcast, we'd love to invite you to go to our store, shop.MarriageAfterGod.com, and pick up a copy of our new book, Marriage After God. It's what this whole series is about. It's our newest book and we're excited to get it into your hands. And yeah. [Jennifer] Okay. So Tom and Heidi, thank you so much for being with us today. [Heidi] Thanks for having us guys. [Jennifer] People don't know this, but we've been friends for a really long time. What is it like nine or 10 years? [Heidi] Nine years, actually this month. [Jennifer] Crazy. Okay, so why don't you just share a little bit about who you guys are, how long you've been married, and how many kids you have, what you do for work, that kind of thing. [Tom] Yeah, I guess this is my part, she said. So, we're Tom and Heidi. We've been married 11 years and three months, four months, October of '07. So we just yesterday passed our 14th dating anniversary, which she made me feel like garbage 'cause I didn't get her anything and she got me a couple things. [Heidi] I did not. [Aaron] You're like, I didn't know we were celebrating our dating anniversary-- [Heidi] I was at Sam's Club and got him a pair of shorts. [Tom] Yeah, I didn't know we were celebrating. And you got me cookies as well. But anyways, we have two kids, a nine-year-old daughter, eight-year-old son. And yeah, we've been living in our home currently for five years, and I'm in medical sales for a job and Heidi runs the house here and handles our crazy kids. So yeah, we're kind of a normal, somewhat normal family I think. [Jennifer] Awesome. Okay you guys, we're gonna go into our icebreaker question, which, Aaron, you want to ... [Aaron] Yeah. What is one of your favorite memories of us from our friendship over the years? [Heidi] Oh man. Favorite memory. [Tom] I don't know. [Jennifer] 'Cause there's so many. [Aaron] 'Cause all of your memories are your favorite of us. [Tom] Right, that's the whole-- [Woman] Yes. [Tom] I've got a few. I don't know exactly which one I would say my favorite is. Gosh. [Jennifer] I feel like when we think about this question, I was telling Aaron, all the late nights, all the late nights we spent at your guys' island eating ice cream and just chatting and laughing. [Aaron] They don't own an island. Their kitchen island. [Heidi] Yep. Thank you. I didn't understand what she was-- [Tom] I was gonna say, one of my, one of the ones I think of and laugh about, because I think it's disgusting, is the fact that we would go get ice cream and you would get a shake or a malt with half and half instead of, like, low fatter. I remember just thinking just, oh my gosh, that's disgusting, I can't believe he's drinking that. And we would probably-- [Aaron] Yeah, what was it? Circus animal ice cream? [Tom] Yes. [Heidi] Yes, with half and half. [Aaron] With half and half. Half and half cream-- [Tom] In Clairemont, yeah. And you would just, you loved it and you would feel a little sick afterwards, but it was, we were always just laughing about it for a long time. [Aaron] It was so worth it though. [Jennifer] I think that's really abnormal. I don't think a lot of people would relate to you on that, Aaron. [Tom] No. [Heidi] No. [Aaron] You're making me, I want one right now. [Heidi] I think my most-- [Aaron] That's a good memory-- [Heidi] Story of you two is how we were kind of desperate for friends, married couple friends, and when we met you at Fuse kind of offering, hey, if you guys ever want, we are about 20 minutes away, but we'd love to have you over for dinner. And you actually took us up on the offer and I think-- [Tom] A lot-- [Heidi] What was it, three to four times a week over at my house, and I loved it. I think when you throw out that, hey, we should have you guys over sometime, it never really ever happens and you kind of feel a little bit hurt that they didn't take you up on the offer, but to have you guys take us up on the offer and for us to get so close and dive so deep into both of our marriages was definitely my favorite because I mean, we both put ourselves out there and opened up so much that-- [Aaron] Yeah, we loved that-- [Heidi] It couldn't have happened otherwise. [Jennifer] And I think we were in a place in our marriage where we really needed it too. So I think that's really cool. [Aaron] We definitely were, yeah. That's what this episode's about, actually. [Jennifer] Yeah, this episode is all about friendship and fellowship and so we're gonna dive into a quote from Marriage After God from this chapter. [Aaron] And it's walking in autonomy is not only dangerous for your marriage, it is also rebellious. Our relationship with Christ cannot be separate from our relationship with other believers. [Heidi] So true. [Aaron] Yeah, so that's from chapter six of our book, Marriage After God, and the chapter title's called Walking Autonomously Doesn't Work. And when we thought about who we can interview for this episode, you guys were the first people that we thought of because in our life when we needed fellowship the most and when we were afraid of it the most, we found you guys and you found us. [Jennifer] Well, yeah, I was gonna say, it was that you guys wrapping your arms around us and inviting us to your table at that marriage bible study, which Heidi mentioned earlier, it's called Fuse. That was a turning point in our relationship and our marriage, and it just stands out to us and I think it forever will. And I'm just really excited about this because other people listening will be able to hear your guys' side of the story because if they read Unveiled Wife or if they're gonna read Marriage After God, we mention you guys and we mention your impact in our lives surrounding fellowship with other believers. And yeah-- [Aaron] Have they read what we wrote about them yet? [Jennifer] No. But now you're here and they get to hear from you guys. So I love that. [Aaron] Awesome. And you guys haven't read the chapter yet, right? [Tom] No. [Heidi] No. [Aaron] Okay, good. It's all good stuff, I promise. Yeah. [Jennifer] Okay, so speaking of that night at Fuse where we showed up, our marriage was in turmoil and we were just looking for that last ditch effort, kind of like, what are we doing? We step into this bible study, there's a lot of marriages and people there greeting one another and we're like freaking out on the inside. Kind of look at each other like, let's get out of here. [Aaron] It was terrifying. Walking into that big old, a huge open room, and how many people were there when we came? It was like probably-- [Heidi] Probably 600. [Tom] No, no. Probably about 350. [Heidi] You think so? [Tom] Yeah. [Aaron] Yeah, 350 people. It was a lot. It wasn't as full as it got, but it was pretty full when we came. [Tom] Yeah. [Jennifer] And anyways, we were trying to sneak out. We were trying to find a way to just walk back out the doors and Tom comes up and sticks his arms around Aaron and I and he's like, hey, you guys new? [Aaron] I remember getting startled by it actually. 'Cause we were walking backwards, which I know is-- [Heidi] And he's not a small guy either, so, big old mitts on your shoulders. [Jennifer] So you guys brought us to your table and that was kind of the beginning of our friendship together. So Tom, you've mentioned that Aaron's appearance at the time, he had plugs in his ears, he had a beard and-- [Aaron] Yeah, tattoos on my wrist. [Jennifer] Not the typical guy you would have been friends with back then. But can you just share, what was going through your mind at that moment? [Tom] Yeah, let's state for the record, clearly I'm not a very judgmental person. At least I don't think though, but yeah, at the time, just, here's ... I am the non-talkative one of Heidi and I's relationship. To be very clear, Heidi loves the talking and doesn't stop. So, and that's just not my style. And so God has placed us in this marriage, which is a story in and of itself or in this marriage ministry where we took over this table at this marriage group, and he just blessed it. It became a huge group of probably around 30 people, so about 15 couples, and they really, what they wanted was 10 couples or 10 people at each table, five couples. And so we were big and it was, it's something I loved. Most of those people are still friends to this day, but it was a lot for me and just how I like to operate, so yeah, I look up that night and see these two. And we are also one of the younger tables there at the time. [Aaron] Yeah, I remember that. [Tom] Seeing you guys walk in, I was like, oh gosh, they're our age group. They're probably our life experiences as of right now, whether it's young kids or no kids and some are looking over there and thinking, uh, no thanks. I don't know this girl who is an all American gal is standing next to this guy who's got plugs in his ear-- [Aaron] A little weird-- [Tom] Short hair, a beard, all these things, I'm looking. Like I am 100% as I said a minute ago, I'm not judgmental, I was 100% judging and thinking, I would never hang out with that guy. That gal looks like a great friend for my wife, but I would never hang out with that dude, we've got enough people at our table, I'm good. And there's those times that God whispers and you're not sure it's God, and there's other times where you just kind of move. You're like, what the heck is happening, because I don't really want to be doing this and perfectly honest, that's what was happening. Is I just felt the nudge and the pull, and so I got up and walked over and yeah, and you guys were ready to move out. You actually were on the way out. [Aaron] You saw it. [Tom] I remember Jen's face was one of sheer terror, of, oh God, we almost got out of here and this guy just ruined it. And Aaron's was more of a, okay, okay, good. This, okay, we'll do it. [Aaron] I needed it. I was, I needed someone to hold my hand in that moment because like, I wanted it, but I didn't know-- [Tom] Yeah, so we moved towards the table and that was literally one of those, it changed our life, changed our marriage, and it was one of those things, I'm darn glad I got out of my seat and went and did it. Because not only was that good for us, but I can also speak to others who have zero desire to include other people or you know, you hear a comment a lot like, I have enough friends or whatnot, which I think is a bad comment to make. One I've probably made my own, but it moved me out of my comfort zone and changed our lives for the better. [Jennifer] I love that you shared all of that. And so much of this book is about saying yes to God in moments like that where he nudges you or he pulls you out of your chair and you say yes to him and you do it anyways. And I'm just so you guys know, we still really appreciate that you did that for us. [Aaron] Yeah, and we not only have written about it extensively, but we share the story often and we, a part of the, what we talk about in this chapter, specifically with what you guys did in our life is when you, Tom and Heidi, said Yes to God in that one little moment, which was a series of yeses, becoming the leaders of that table and wherever God had led you before that, you wouldn't have known back then what kind of effect, lasting effect it would have in the fact that that one moment would not only turn into a lifetime friendship and relationship with us, but would also impact thousands and thousands of other marriages and people through your one act of obedience. [Tom] Yeah, there's-- [Aaron] So I, go ahead-- [Tom] We've met people, or not met, I shouldn't say that. Actually, we have. People we've met and then also people we knew that years later we talk to or run into or Heidi meets randomly in a grocery store and like I said, she talks to everybody. We're mentioned right, as you helped our marriage or you were instrumental and perfectly honest, we did nothing. We were fools, of sorts, used by God because we didn't even know we had any impact on these people, let alone strangers, but then people we knew years later say, you have no clue what you did for us. It's just, it's humbling, it's neat, and just to understand that if you allow God to use you, you have no clue what he's gonna do. And probably by the time Heidi and I are in graves, we'll have no clue what impact we had. But that's what we're supposed to do, we're supposed to be used by God for his greater good. [Aaron] Yeah, and I hope those that are listening right now, and that's exactly why I wanted to interview these people like you is because people don't know. They may think, what can I do? How can God use me? And you simply got up and said hi to us. Now, it's lots of laughter and tears after that, but still just that one act of obedience, the fruit from that is exactly what God's looking for from all of us and that's, I just love that you highlighted that. So, man, I'm loving this interview so far. Is this the one we want to go with? Okay. So what kind of barriers do you think keep believers from close fellowship with other believers? Because that's what we had. We grew in close fellowship with each other. What do you think it is that stops believers from making that deep connection and walking in obedience with fellowship with other believers? [Heidi] Oh, man. Honestly, I'd have to say pride. A lot of times, especially with social media age, you want to give your best face, you want to show pictures of your kids perfectly dressed and their hair perfectly done and you'll move things out of the background of the picture just so that way the background looks nice. But I think, unfortunately, I think people don't want to share their stink. They don't want to say, we're going through this issue or I have this deep seated issue or they just don't want their stuff out there for people to judge or question how perfect they thought their life was. And I think it's uncomfortable for people to let down that wall and share who they really are and share what their marriage is really going through. [Jennifer] Yeah, you guys have been really good at being an example of how to live transparently with other people, 'cause you guys were open with us and that opened the flood gates for us to be open with you guys because of that example. And I think it's so important for people to hear, how would you encourage someone to walk transparently with one another? How do you do that? [Tom] I think there's another aspect to it too, is from a good friend who joined the group as well that said he was tired of bible studies with people that weren't like him. And not necessarily weren't like him as in same exact life experiences, but as I kind of said with Aaron, looked at him and thought I'd never hang out with that guy. He was always turned off by, well, I tried this group, I tried that group, it didn't work. All those guys were nerds or none of those guys played sports or things of that nature. And there's a constant, I get that part, but if you're open to it, you might find that, as I tell my kids, right now in school, you may, there may be differences and clicks or different things like that, but as you get older, those things really do melt away. And especially if it's a brother or sister in Christ, you have a really deep bond that many don't understand. But there's a part to it too, when you hang out with those who aren't like you. For instance, Aaron, when you and I were in the men's fellowship group together, gosh, you were obviously younger than me, but we were both vastly younger than anyone else in that room and just-- [Aaron] Yeah, I remember that. [Tom] Stuff that we picked up from those guys who one was divorced, one was married, he was married but they were both from divorced families and kind of had a Brady Bunch type of union now. The things that I learned from that group, including on how not to talk to my wife and ended up actually causing some stress in my marriage when I told her how I shouldn't be talking to you, even though I have been, then all of a sudden she picked up on what a jerk I had been. [Aaron] She's like, yeah, you shouldn't talk to me like that. [Tom] Yeah, it was a total backfire move on my part. But it just, the things you learn from people when you continue to give it a shot and be open to it. If you go in with walls, you're gonna come out with walls. If you go in-- [Aaron] That's good-- [Tom] Being willing to hear or listen, I think everybody can find that community and like Heidi said, if you're willing to lower your walls and lower your pride, you'll find out everybody's just as jacked up as you are. It's just different levels, 'cause no marriage is perfect. [Aaron] Oh, I love that. And it's like the, it's this idea that recognizing what we do have in common, which is Christ, and being okay with that being the thing that we connect on because that's what God wants anyway and being able to throw out those preferences of like, well, I only want to spend time with this kind of person, which is hard to find the right person. It's rare that we have that kind of relationship, right. So I love that. How have you two navigated being a part of fellowship with the body of Christ? [Jennifer] And maybe how are you currently fellowshipping with other believers? [Tom] I got nudged, so this one's mine. So we no longer attend a church where it's facilitated by the church. So we met via a group that was facilitated by the church. And to be honest, thank God for them, they made it easy, right. Childcare and a building and all those things. So that doesn't exist where we live anymore, and so, and we don't attend a church that really has that. So now it's become harder work. It's no longer the ease of high school, seeing your friends every day and then you become an adult and go to different colleges or go to different jobs. It takes work for those relationships, and so that's where we are now. It's a lot of work to continue this. And so there's an aspect of that that's more rewarding. There's also an aspect that's more frustrating. So we totally get the part where continuing in this type of ministry or this type of group is not easy, but it's so important. When we take breaks from it, I don't want to call it a toll because it sounds negative or like it's destructive, but the toll it takes on our marriage is seen. It's very easily seen in that we just don't vibe as well. A marriage becomes more difficult than it has to be when we're not in fellowship with others. [Aaron] So even if it's not as easy as it was, you guys recognize that it's still a necessity and a vital part of your Christian faith is that you must be in fellowship, whatever that looks like. [Tom] Yeah, there's something to it when people ask, I work with so many people who will ask like, how often do you and Heidi fight or what do you do this, or how do you handle this? And yeah, and I explain that to them. There's a part where you share life with others and these can be people who are non Christians. Just when you share life with others and share your experiences, your victories, your struggles, that's what we were created for. And again, if I'm talking to a non Christian, I don't have, I throw God in there, but there's an aspect for them too, that even if you're not a believer in Christ, if you're not fellowshipping with people who help you get better or can take some of the load off or even just share life with, you're missing something. And so, yeah, there's a definite need for us every day, if not at least once a week, like a marriage group that we have now, we have to do it or else there's just a hole and there's a window that-- [Aaron] So you're saying is it's just a basic, it's the way God created us as humans is we need deep human connection, we need deep human relationships and that we can't just walk autonomously. And then especially for the believer, we need Christian fellowship to be around other Christians to sharpen us, to grow us. That's what I'm hearing you say. [Tom] Exactly what I'm saying-- [Aaron] Is that it's not something we can just, we can't just throw it out. Right, that's what, which is what a lot of Christians do. I use this word autonomous. A lot of believers are totally fine with autonomy because that seems easier. Like, oh, just, you can have what Heidi said. You can have this facade and long as you, let's be cordial and we'll be nice and all, we'll hug on Sundays, but then you're not allowed to know who I am, you're not allowed to see the dirt in my life, you're not allowed to call me out on anything, you're not allowed to know that the dark parts of me. [Jennifer] How do we grow and mature if we're not letting people see who we are? [Aaron] Well, we can't. [Heidi] We don't. [Aaron] That's the point is, I don't want to grow and therefore I don't tell anyone or show anyone who I am. [Jennifer] But a marriage after God wants to grow. [Aaron] Exactly. [Jennifer] So a marriage after God's going to be doing this. You touched on a point about your church not facilitating that easy fellowship time currently. And so for people who are listening right now, what would you say is an action step for them to be an initiator in this, so that they're not waiting around, waiting for an invitation or waiting for it to be easy. What can someone do today? What can a couple do today to-- [Aaron] Be the starters-- [Jennifer] To be the starters of-- [Aaron] Be the initiator. [Jennifer] Yeah. [Aaron] Do what Tom did and get up and walk over and put his arm around us. [Jennifer] Yeah. [Tom] Yeah, I think the first and easy start for me would be at a church you're at, you obviously, if you don't, if you go in and out of that building and don't connect or talk to anybody, you're doing yourself and that body a disservice. So it'd be just connecting very simply with people at the church. Again, maybe somebody that you have, when you pick up your kids from childcare, obviously there's somewhere you can connect. There's so many spots to just start there. The other might be just friends in general. And Aaron, you brought up a point, the autonomy. There's something to it, right, where there's a couple of good friends of mine who I'm not as extreme as this, but literally don't like to talk to somebody. And it's funny though when you ask the question, well, what happens when you're out in public and there's a Christian connection of sorts, like somebody mentions something or you see somebody praying and somebody mentions it to you. There's an instant spark, there's an instant connection because out in the world when you find somebody who has that fearlessness of being able to say, yeah, I'm a Christian, or lives it out in front of you, there's a spark that you automatically have a bond. And so at your church, I think it's the easiest spot to have where it's reached out, somebody needs somebody or friends that you have now that you know are believers. Talk to them about getting together in a marriage study, whether it be one of your guys' books, whether it be something on DVD where there's a series going on, just starting somewhere or getting together on a bi-weekly basis just to hang, to chat. Because from that, as you guys know we used to do, we used to have dinners at the house, from that just hanging out, will spur those conversations and start something that you can then morph into, hey, why don't we start getting together on a weekly basis or bi-weekly basis. [Aaron] So true. I'm gonna take one of your guys' strategies. You guys had an open invitation to us to come over to eat with you guys. And not everyone is gonna, like you said, not everyone takes you up, but you said, hey, come over. And we said yes. So there was times that we went over and you didn't even know we were coming over. We just, we just texted you when we were around the corner. Was like, hey, hope dinner's ready. [Tom] You guys make it sound like that's the exception. That might've been the rule, that it was, you guys popped in a lot, and again, we loved it. It was not, we do it to people now. We'll just show up at their house with ice cream or something. [Aaron] They're like, uh-- [Tom] Yeah, their faces, they're not happy to see us. And then it ends up being a half hour, hour visit and laughing and fun and then we leave, and we'll get a, hey, thanks for stopping by, even though we showed up at the door. There's been many wives who looked at me like, what are you doing here? So yeah, it's-- [Aaron] Yeah. I think it's just the, it's not common for people 'cause we think like, oh no, you don't want to bother, you don't want to invade someone's privacy. You don't want to. But I think that's what we're supposed to do as brothers and sisters. Now, we don't want to step over boundaries and be rude and be, but like actually go into, hey, I'm in the neighborhood, would you love, I'd love to bring you a coffee. Hey, I'm grabbing a doughnut, you want one? Or a breakfast sandwich or whatever it is, just to spark that. You guys were a great example of that, opening up your home to us, giving us an invitation to be over and actually following through with it and making a meal with us and making it a night. Like we would stay at your house until two o'clock in the morning sometimes. [Woman] Sometimes we-- [Aaron] This was before kids. [Woman] Yeah. [Aaron] But yeah, I think that's a great idea. Just starting where you're at, looking around at you and saying, hey, there's a bunch of believers around me. I should not be hiding. There should be no reason that I can't go spark up a conversation and say, who are you? How can we know each other more? [Jennifer] And in this chapter of the book, I share a story of when Heidi invited me over to her house for one of the first times that we would actually spend girl time together-- [Aaron] This is a good story, yeah. [Jennifer] And I don't want to give too much away because I want them to read it, but I basically said I was busy and felt the conviction of the Lord prompt my heart to call you back, Heidi, and I had to apologize for lying and I did go over there. And so I just want to share that briefly because I think so many times, we do excuse ourselves or justify why we can't hang out or maybe we're afraid or maybe it's too uncomfortable. But I just want the people listening right now to know it is so worth it. It's worth it to get out of your comfort zone and it's worth it to build these friendships and these relationships with other believers because they will impact our lives for the better. [Aaron] Yeah, just like you guys have impacted our life. And in what you're saying, Jennifer, it makes me think of this. How many times have I said, hey, why don't you call so and so and see if they want to hang out, and you say, no, they're doing this thing today or they have this-- [Jennifer] I give other people excuses. [Aaron] And I tell them, I'm like, did they say that? And she's like, well, no. And I'm like, so they didn't tell you no? So I think sometimes when we feel that nudge, that Holy Spirit draw to reach out and to call or to connect with, and we say, no, they're probably this or they're probably that, and we say no for people before they say no. And to avoid that, to let the person say no. [Tom] To this day, that's me and Heidi. I think one of the better compliments she was given, whether it was a compliment or not, was you're a spiritual nuisance, because she doesn't let, she won't let you off the hook. [Jennifer] That's true. [Tom] She'll keep coming-- [Aaron] It's true, Heidi's got a gift. [Tom] It's truly a gift of God to her. It annoys the heck out of me sometimes. But especially when we're trying to be somewhere. [Aaron] But look at the fruit in your life because of it. [Tom] Yeah, exactly. So I have to balance that when I do get annoyed and remember how it's blessed me. But yeah, I mean, she's very good at this and doesn't, kind of tracks people down. [Aaron] So cool. [Jennifer] Awesome. Okay you guys, well, as we wrap up this awesome interview, in your own words, what is a marriage after God? [Heidi] Honestly, I think a marriage after God is putting God first and not your spouse and not other people, not celebrities, not your own image, but putting God first in your marriage to bless yourself, bless your marriage, bless other people. Just really living for God and not for the world. [Tom] What does that look like? I had a conversation with our daughter two days ago. We were driving back from somewhere and she says, so you love God first and then mommy and then us. And I said, yeah, it doesn't make sense, does it. And she says, no, it doesn't. Because one time I was a stupid dad and I answered the question honestly when she said, well, who's your favorite girl? And I answered mommy immediately. To an eight year old at the time, that was a really stupid answer on my part. But I mean, it was just not smart because it broke her heart and I had to try to come back and explain that to her because she's eight, she's not supposed to completely grasp that yet-- [Aaron] I don't have faith like that yet-- [Tom] But yes, sure, and a couple of days ago in the car, I said, it doesn't make sense and here's why. It's because God wants your focus on him. But in doing that, he opens you up to everything else and gives you a greater appreciation, gives you a greater understanding and gives you a greater love for other things. And so by mommy and daddy focusing on God first, it allows us to be better husband and wife to each other and allows us to be a better mommy and daddy to you. Even though a lot of times you probably don't think we're that great, that's what it does. And I said, and it's hard for you understand, I understand that, and you won't until you are married or have kids, but in the end, people have asked, why have we had such a great marriage. And it hasn't been perfect, but it's been the best decision I ever made in my life. And for a male to say that to another male, in our day and age is, Aaron, I'm sure you see it on people's faces when you do it. They look at you like you're crazy. And yeah, it's the absolute best thing I ever did in my life, and we just, if we focus on God first, right, though Sunday mornings you don't feel like getting up and going to church and you do and you walk into a sermon that's on marriage and you get, and God just talks to you there. It's putting him first whether you want to or not on that particular day. None of us are perfect. And then it just, everything else unlocks. Churches, I know I'm rambling. Churches know this fact. If they want to grow their church, they can get the wife, that's fine, and you'll get the kids maybe. But if you get the husband, you get the entire family and that's how you grow your church number, and that's a different topic, but again, if as a husband-- [Aaron] No, what you're saying is husbands need to be leading spiritually and setting the tone in their home. That's good. [Tom] Yeah. Before you rudely cut me off, what I was saying is, if we as husbands lead, it's infectious. It doesn't always happen, but it's infectious. The wife then follows, then the kids then follow and it's a beautiful thing. And I've noticed for me, if I slip and I'm not focusing on God, my house slips. So long winded answer to your question is both of you focusing on God, it's funny how the rest just seems to, not easily sometimes, but it does, it falls into place. [Aaron] Good. Thank you, that was really good. [Jennifer] That's so good. Thank you guys so much for sharing with us today. We just want to invite everyone to take a moment to join us in prayer. Dear Lord, thank you for the gift of your body. Thank you for the gift of fellowship and friendship. May we be people who are motivated by love to reach out and be a friend to others. We pray we would have the courage and confidence to be people who welcome others in, who are transparent, who are there for others, who lift others up and who pray for others. Use our marriages to be an encouragement to other marriages. Use us as a team to bring you glory. Help us to never live in isolation. Help us to never be divided. We pray the enemy and we pray our own flesh wouldn't get it in the way of fellowship. May our desire to participate in your body increase even more. May the way we treat one another be a light and an example to the rest of the world. In Jesus' name. Amen. [Aaron] Amen. So Tom and Heidi, we love you guys. We miss you guys. [Tom] Thanks for having us. [Aaron] We need to see you soon. [Tom] Sincerely. [Woman] Miss you guys. [Aaron] And thank you so much for giving us some time today and in blessing everyone that's listening. So hey everyone that's listening, thank you so much for joining us on this sixth week of the series, and we look forward to having you next week. Did you enjoy today's show? If you did, it would mean the world to us if you could leave us a review on iTunes. Also, if you're interested, you can find many more encouraging stories and resources at MarriageAfterGod.com, and let us help you cultivate an extraordinary marriage.

今天我们学习出国旅游:预定酒店万用英语情景对话!在学习之前我先给大家送一波福利，大家听好啦！手机下载阿里巴巴官方返利“一淘”app，在搜索框输入口令“笨笨口语”，点击搜索，就可以领取我为大家准备的8元购物红包，红包在淘宝天猫购物车都能用，大家一定要去领取喔，下面进入我们今天的学习内容。预定酒店万用英语情景对话Front Desk: Royal Hotel, can I help you?皇家酒店，我能为您服务吗？Tom: Yes. I urgently need a room for tomorrow night, and do you have any vacancies?我急需一个房间要明晚住，请问你们还有空房吗？urgently：['ɜ:(r)-dʒənt-lɪ] 紧急地，急迫地vacancy：[ˈveɪ-kən-si] 空房Front Desk: Yes, we have. What kind of room would you like?还有空房。您需要什么样的房间？Tom: I'd like a suite with an ocean view, please.我想要一个可以看到海景的套房。suite: [swi:t]套房 ocean：[ˈəʊ-ʃn]海洋Front Desk: No problem, sir.没问题，先生。Tom: What is the price of the suite?价格如何？Front Desk: It is 280 US$ per night.每晚280美元。Tom: It is a little high. I'm told that your hotel is offering discount now.价格有点高。我听说你们酒店正在打折。discount：[ˈdɪs-kaʊnt] 折扣Front Desk: Yes, but the offer ended yesterday. I'm sorry.是的，但打折期昨天就结束了。很抱歉Tom:Oh, I see. Then do you have anything less expensive?我明白了。那么你们是否还有其他便宜一点的套房？Front Desk: No, sir. So far it is the least expensive suite for tomorrow night.没有了，先生。到目前为止，这是能为明晚提供的最便宜的套房。Tom:OK, I will take it. By the way, does the price include breakfast?那好吧，我就预定它了。顺便问一下，房价是否包括早餐？include：[ɪn-ˈklu:d]包括，包含Front Desk: Yes, it does. Now could I have your name, please?是的，包括早餐。现在我能请问您的尊姓大名了吗？Tom:My name is Tom Zhang.我叫汤姆，张。Front Desk: Would you kindly spell it for me?您能拼读一下吗？Tom:That is T-O-M, Z-H-A-N-G.T-O-M，Z-H-A-N-G。Front Desk: Thank you, I got it. And how long do you expect to stay?谢谢，我记下了。另外您预计在此停留多久？Tom: About three days.大约三天。Front Desk: OK. Our check-in time is after 1:00pm. And see you tomorrow.好的。我们的登记时间是在下午一点钟之后。明天见。Tom: Thank you. See you.谢谢。明天见。此处无法上传视频，关注笨笨口语微信公众号，每日笨一句1027期即可收看详细分解的句子视频

今天我们学习出国旅游:预定酒店万用英语情景对话!在学习之前我先给大家送一波福利，大家听好啦！手机下载阿里巴巴官方返利“一淘”app，在搜索框输入口令“笨笨口语”，点击搜索，就可以领取我为大家准备的8元购物红包，红包在淘宝天猫购物车都能用，大家一定要去领取喔，下面进入我们今天的学习内容。预定酒店万用英语情景对话Front Desk: Royal Hotel, can I help you?皇家酒店，我能为您服务吗？Tom: Yes. I urgently need a room for tomorrow night, and do you have any vacancies?我急需一个房间要明晚住，请问你们还有空房吗？urgently：['ɜ:(r)-dʒənt-lɪ] 紧急地，急迫地vacancy：[ˈveɪ-kən-si] 空房Front Desk: Yes, we have. What kind of room would you like?还有空房。您需要什么样的房间？Tom: I'd like a suite with an ocean view, please.我想要一个可以看到海景的套房。suite: [swi:t]套房 ocean：[ˈəʊ-ʃn]海洋Front Desk: No problem, sir.没问题，先生。Tom: What is the price of the suite?价格如何？Front Desk: It is 280 US$ per night.每晚280美元。Tom: It is a little high. I'm told that your hotel is offering discount now.价格有点高。我听说你们酒店正在打折。discount：[ˈdɪs-kaʊnt] 折扣Front Desk: Yes, but the offer ended yesterday. I'm sorry.是的，但打折期昨天就结束了。很抱歉Tom:Oh, I see. Then do you have anything less expensive?我明白了。那么你们是否还有其他便宜一点的套房？Front Desk: No, sir. So far it is the least expensive suite for tomorrow night.没有了，先生。到目前为止，这是能为明晚提供的最便宜的套房。Tom:OK, I will take it. By the way, does the price include breakfast?那好吧，我就预定它了。顺便问一下，房价是否包括早餐？include：[ɪn-ˈklu:d]包括，包含Front Desk: Yes, it does. Now could I have your name, please?是的，包括早餐。现在我能请问您的尊姓大名了吗？Tom:My name is Tom Zhang.我叫汤姆，张。Front Desk: Would you kindly spell it for me?您能拼读一下吗？Tom:That is T-O-M, Z-H-A-N-G.T-O-M，Z-H-A-N-G。Front Desk: Thank you, I got it. And how long do you expect to stay?谢谢，我记下了。另外您预计在此停留多久？Tom: About three days.大约三天。Front Desk: OK. Our check-in time is after 1:00pm. And see you tomorrow.好的。我们的登记时间是在下午一点钟之后。明天见。Tom: Thank you. See you.谢谢。明天见。

2019 Volkswagen Jetta - All-New Generation Our 2019 Volkswagen Jetta review uncovered impressive and intuitive technology, increased and upscale interior space, performance and much more. Additionally, the new design looks great.  iDriveSoCal's Professor, Clinton Quan, picked up an all-new 2019 VW Jetta to review from our friends at Ontario Volkswagen – hear his complete analysis in this iDSC Podcast. ***Transcript***  Recorded in Los Angeles, CA The All-New 2019 Volkswagen Jetta Review Professor: The all-new Volkswagen Jetta has a different engine now. Very smooth, brisk acceleration. It feels a lot more premium compared to the previous Jetta, especially with that virtual dash, everything is right there at your fingertips, so it makes it really, really easy to operate. Tom: Welcome to iDriveSoCal, the podcast all about mobility from the automotive capital of the United States; Southern California. Tom Smith here with the Professor, Mr. Clinton Quan. Say hello, Clinton. Professor: Hi, Tom. The 2019 VW Jetta is bigger and beautiful! Tom: And today, we are talking about our good friends out at Ontario Volkswagen in the Los Angeles suburb of Ontario, California. Specifically, a vehicle review. The 2019 Volkswagen Jetta. Now, to clarify before we throw it over to the Professor; the 2018 Jetta GLI, we just reviewed about a month, two months ago. Professor: Yes. Tom: So, that is the enthusiast's version, right? Professor: Correct. Tom: And as we discussed there, and I think in subsequent podcasts since, the Jetta was just completely redone. So this is an all-new Jetta. Volkswagen Jetta Enters Its 7th Generation Professor: This is in the 2019- Tom: All-new Jetta. And- Professor: The seventh generation. All-new 2019 Volkswagen Jetta Tom: Seventh Generation, and the enthusiasts' seventh generation, the GLI. We're under the impression that Volkswagen is going to be putting that out. They haven't announced that yet, but they're going to be putting that out, probably in the next year. Professor: Probably next year-ish. Tom: What have you. But so, this review is the 2019 Volkswagen Jetta. Take it away, Professor. 2019 Volkswagen Jetta Trim Configurations & MSRPs Professor: I drove the top-line trim, which is the SEL premium and for the 2019 Jetta, there are five trims. You have the S, which is the base trim; which starts at about $19,000. Then you have what I call the "mid-level trim", the SE. Around $22,000. Then you have a special sport trim that's called the "R-line".  That's about $23,000. MQB Platformed 7th Generation VW Jetta Then you've got the... You could call it the top-line, the SEL. That's about $24,000. And then you have this new luxury, premium top-of-the-line SEL Premium, which is about $27,000. Tom: And that's what you drove. So you drove all the bells and whistles. Professor: Yes. It's got the virtual dash, so it's very Audi-esque like. Non-Professional Reviews of the 2019 VW Jetta Tom: And so, just a quick plug also for some of... So, Clinton and I review a lot of vehicles, and Clinton's an enthusiast. But if you wanted to hear from an everyday driver, we were out at the Jetta Launch Party at Ontario Volkswagen. I guess this is about a month-ish ago. We did some reviews with various customers that were coming in just to drive for the Launch Party. Jetta Digital Cockpit They came in to check out the new Jetta, and so I think there are about five different podcasts that we did. They're little short ones, about five, six minutes each. They're with these everyday drivers that we did these podcasts with, they're enthusiasts in their own right, but Clinton and I do this all the time. So, he's a little bit of a professional. If you want to check out the other Jetta reviews, there are lots of great things that everybody is saying about the 2019 Jetta. 2019 Volkswagen Jetta Reviews from SoCal Drivers:

This week we travel to Clare, Michigan to learn about the trials and successes of public transportation in Rural Michigan. **Please excuse the audio quality, it was the first episode ever produced for this podcast!** We get a chance to speak with Leadership in the Clare community to learn what really matters in Clare County isn't how we get to where we're going, but who we ride with.    Announcer: This Rural Mission is brought to you by Michigan State University College of Human Medicine, Leadership in Rural Medicine Programs. The podcast is funded in part by a generous grant provided by the Herbert H and Grace A Dow Foundation. To learn more about the Leadership in Rural Medicine Programs please visit  www.msururalhealth.chm.msu. I’m your host, Julia Terhune and please stay tuned to hear more from This Rural Mission.   Music   Producer, Julia: So the rationale behind making this podcast was pretty simple for me. I started biking, back and forth from work when I have to be in the office all day. I don’t do it every day, and I definitely don’t do it when I have to be in a lot of the different communities that I serve, and I started to look around at the transportation system in my county and I started to really think about, how this system works. Not just the Dial-a-Ride and the County Connect, that’s available in my county, but also things like the bike paths. And even if I didn’t have those bike routes, I have sidewalks, I have clean, well-maintained sidewalks. And I live in this community that is urban. I think with that urban distinction a lot of those things are easier to get simply because you have more tax revenue in these urban areas.   When we talk about poverty, most of us tend to think: urban centers. (Busy City Noises) I deal with rural communities. Rural communities are some of the most underserved rural communities in the nation when we’re talking about the economy, when we’re talking about resources, when we’re talking about medical professional. Medical professionals areas are rural areas. Pretty much across the board. There are urban areas that have shortages as well, but it’s predominantly a rural issue. (Music)   When we think about resources, we first have to think about: how do people get those resources? Because many resources don’t come to people’s doorsteps. Even things like mobile food pantries, people have to go to those places to get the food that’s being offered. They have to get to the health department to get the free health services. They have to get to the dental clinic and that  requires transportation. Now, in a rural community your geography is just so vast. You know, your city centers are smaller your suburban centers are smaller, places where people are living is vastly spread out and so to get to those resources is an even greater track. Combine that with economic issues like not having adequate jobs or having unreliable transportation because of limited finances, you’ve got a huge issue. (Music) One of the counties I’ve served is Clare County, Michigan. The average income, in Clare County, is about $33,000 per year and according to the Robert Wood Johnson County Health Ranking System, they are seventy eighth out of eighty three. I’m not going to bore you with what that means, but as far as health outcomes go, that’s not good.   You know, I look to this community and there’s a lot of poverty, there’s a lot of things that maybe aren’t going so well, but there’s a lot of things that are going right. And I got to talk to some really interesting people about the public transportation system in Clare County. (Music)   Tom Pirnstill: Tom Pirnstill, I’m the Executive Director at Clare County Transit. Well, it started in 1981, we have contributed a little over three million rides in that timeframe. We cover an area of five hundred and seventy square miles, population’s about thirty thousand. They’ve developed this dial-a-ride, or demand response, where people call us up and we start building a route based on call ins. So, it’s all fairly fluid and it’s about scheduling the busses and getting people to where they need to go and then going to the next ride as they call in. We have a thousand miles of road in Clare County and only two hundred and fifty are paved.   (Music)   Julia: Out of a thousand miles, in Clare County, only two hundred and fifty miles are paved. That’s only one quarter of the roads in Clare County. That also means that a majority of people who drive everyday are not driving on paved roads. Which can take a toil on their cars. Even if it’s a new car. Dirt, gravel, sand that can be a costly repair for even someone who’s middle class and has those resources.   Julia to Tom: So, that seven hundred and fifty miles of unpaved road, that’s probably really hard on your busses.   Tom: Oh, you bet!  You bet, yeah. And they’re hundred and ten thousand dollar busses. We can replace them seven years or two hundred thousand miles , depending on the capitol that’s available from the state. I have some busses that have over three hundred thousand miles on them. You’ve got to keep them because there’s nothing coming down that we can replace the busses and then that results in higher repair bills because like you said, the roads, they’re rough.   Julia: But there’s something really interesting about the public transportation system in Clare.   Julia to Tom: What kind of relationship do your drivers have with these people? I mean you talk about having…   Tom: They love them. They love them. Most of the time, the elderly, they cook for their drivers sometimes. They bring them cookies or cakes or whatever. They know them on a first name basis. If they come to their house and they’re not out there, normally the driver will go up to the door and find out what’s going on. They’ve developed that kind of a relationship, because we care about them.   (Music)   Julia: In my experience with public transportation, I’ve separated this idea of bus and bus driver, train and train driver. I think of public transportation as those pieces of metal that take me from point a to point b.   One of the students who is involved in the Rural Community Health Program and just so you know, the Rural Community Health Program is a rural training certificate program through Michigan State University College of Human Medicine. Katie Lindauer, Just spent a year in Chicago.   Katie: I spent the last year doing research and living in Chicago before returning to my clinical years.   Julia: She used public transportation to take her everywhere that she needed to go. And she can tell you that she did not have the Clare experience when it came to public transit.   Katie: As a single woman in a big city I was instructed by pretty much every adult that I interacted with, ever ever take public transit after, like, ten PM at night. I don’t know if that is necessarily a hard and fast rule depending on where you live, you know whether you’re alone on public transit or, you know, whether people are just being really protective.  But then there are other things too, like Chicago’s public transit system is pretty expensive compared to some of the other places I’ve been. But it’s also pretty nice and it’s usually pretty safe and you learn certain train lines are safer than others.   Julia: I also got to talk to Sarah Kile. And Sarah Kile is the Executive Director of 211 Northeast Michigan. And in a nutshell, they connect people who are in need to the resources that they need. Sarah Kile is the Executive Director, like I said, and she and her team serve twenty three counties and a majority of those counties are rural counties; one of them being Clare.   Sarah: The transportation infrastructure here in Michigan needs a massive overhaul. Because we pay insurance in middle class because that’s the bill that comes and we have to pay it. But when somebody’s in poverty and they get pulled over or they get into an accident we just dig another hole for someone. It’s really just an unfortunate situation and I think, looking at communities like Galdwin, Clare we have people who can’t drive. And that public transit, as limited as it is, you know, it’s only from seven to four or seven to five during the weekdays and you have to call a day in advance, sometimes you have to call three days in advance to schedule a ride. That is a lifeline for some folks. Where they couldn’t go anywhere without it. We have people who have to schedule their infusions around the bus schedule. That just blows my mind, like, I’m just flabbergasted that something like an infusion, they have to go three times a week, or well I can’t go on the weekends because I simply don’t have transportation. That’s shocking to me.      (Music)   Julia: And with 211, the Clare County Transit Corporation and the Community Foundations in the area have started to solve problems.   Tom: Non emergency medical transportation has always been an issue following the country. I mean you have ambulances and rescue squads, they do the emergency. The non emergency things has always been an issue of people being able to afford transportation to get there.   Julia: This non emergency medical transport system was created to meet that very need that Sarah talked about.   Tom: At our transit, we did a study about five or six years ago on that very issue. Of how can we get people in Clare County to the doctors when they need to go without fear of not being able to pay for it.   (Music)   Julia: Michigan State University has been training medical doctors in rural communities for over forty years. I know that this University is doing their part to help alleviate that medical professional shortage. But even if we have enough doctors, we will still need to make sure that everybody living in these communities can get to those doctor's appointments and this non emergency medical transport is helping to break down one more of those barriers.   You know, people need to get to doctor’s appointments, people need to get to grocery stores people need to get to play practice. But people also need to be part of a community. And that’s one thing that Clare County has got down. They are a community.   Dr. Bremer has been a physician in rural communities for over thirty years.   Julia to Dr. Bremer: Now, do you ever run across individuals who have a hard time getting transportation?   Dr. Bremer: Sometimes but not always. Most of them have a relative, a friend, neighbor. And so people help each other out in the community if, you know, Mary who lives by herself and doesn’t have any kids or family around, they usually have a neighbor who will take them, kind of thing. So a lot of that kind of stuff goes on. Neighbors, friends, somebody from church will bring you or that type of thing if they can’t find transportation on their own.   Julia: He hit this idea of community right on the head.   Julia to Dr. Bremer: In the rural communities that you’ve served, what is their greatest strength?   Dr. Bremer: The greatest strength is the people in each community. That’s what the strength is. People helping each other. That’s what you’re supposed to do. Whether it’s a big community or small community. You’re supposed to look out for your neighbors, help one another, share, help each other, think about each other, don’t think about yourself all of the time, kind of thing, we’re supposed to be a community. Whether it’s a big community or small community. So, that’s what a community’s supposed to do. A community can be anywhere. It doesn’t have to be a little Clare. It can be a big Midland or a Big Lansing, whatever. Yes.   Julia: Poverty and inadequate transportation will most likely be with us, forever. But there’s something else that will always be with us, and that’s each other. And I really think that what you get out of a community is what you put into it. And places like Clare County are putting a whole lot into their communities. And I think that shows, not only in the public transportation system, but in so many other organizations and collaboratives.   (Music)   Julia: I want to thank everyone for listening to this podcast. This Rural Mission is produced by me, Julia Terhune. I’m the Assistant Director for Rural Community Health at Michigan State University College of Human Medicine, and I just want to say that I love Clare County. I also want to thank Dr. Andrea Wendling and John Whiting for your help and support with this podcast. I also want to thank Tom Pirnstill, Katie Lindauer, Sarah Kile, and Dr. Bremer for agreeing to be interviewed for this podcast. Before I go, I just want to encourage you, I want to encourage you to consider making rural your mission. And until next time, I’m Julia.   To learn more about 211, the Clare County Transit Corporation, or the Rural Community Health Program, please visit our website at www.msururalhealth.chm.msu.edu. By joining our website, you can connect with us on Facebook, Instagram and Twitter. You can also find out more about our musician. Music today was brought to you by Horton Creek and Byran Edgers, a local musician and Michigan native. I hope you tun in next time for more from This Rural Mission.  

Tom talks of the possibility of utopia, the harmonising and reconnecting with nature and where people are kind to each other - and that systems are put in place to ensure that human rights are upheld. (Listen to Tom’s enlivened description of this process). Matter and Consciousness We open up with this quote below. In 1957 an unheralded Nobel Prize experiment at the Brookhaven Research Laboratories in the US - took place.This had TD Lee and CN Yang win the award for physics, for showing that "cobalt in its observed radioactivity could tell the difference between its future and its past and utilises this fact in making a spatial distinction between its right from its left"  - “It is able to choose what direction it takes!” That we have not heard of this is because the invisible and hidden is not seen as an urgent area of exploration - even in today’s scientific world. The day science begins to study non-physical phenomena, it will make more progress in one decade than in all the previous centuries of its existence.”  Nikola Tesla   Matter and Consciousness Matter and consciousness - and the mysterious and that which is hidden. Tom says this subject was closed down in academic circles during the time of Galileo and he explains why - however further in the interview Aristotle too is mentioned as also shutting down the intuitive as he was the first to quantify by weighing and measuring things, and that opened the way for ‘that which was hidden - to be ignored’ - as it was not really - real.  See write up of Tom’s previous interview.  https://www.ourplanet.org/greenplanetfm/tom-brown-revealing-the-hidden-knowledge-of-invisible-subtle-solar-and-planetary-forces Knowledge of Higher Forces - curtailed So any knowledge of higher forces was disregarded and officially banned by edict.   This Tom says is extremely important knowledge that very few know about. Hence why universities today focus virtually entirely on the physical - and is a far cry from the original meaning - from Latin universitas ‘the whole’, and not the root word Universe. Matter is Not Inert Matter may not be conscious as you and I, but it is not inert and there are experiments that show it is reactive and isn’t inanimate. Lily Kolisco’s work ‘Agriculture of tomorrow’ - one of the great Bio dynamic books   http://www.koliskoinstitute.org/about-us/lili-kolisko/  - Many decades of research, working with colloidal minerals and crystallising mineral substances above and below ground during different seasons etc.   Working with the noble metals and the planets - Gold in the sun, Silver in the moon mercury in Mercury, Iron in Mars Tin in Jupiter and lead in Saturn. Many experiments with the changes in crystallisation patterns during different astronomical relationships  especially that gold does not crystallise properly when the moon eclipses the sun. Metals can have the same response when drugged as animals and plants do.   Sir Jagadish Chandra Bose. Bose’s work with plant sensitivity and anomalous readings - see his book “Response in the living and nonliving” that metals can have the same response when drugged as animals and plants. https://tzmvirginia.files.wordpress.com/2013/12/bose-response-in-the-living-and-non-living.pdf Sun and Planets Affect Metals on Earth Giorgio Piccardi, in the University of Florence chemistry department 1950s and 60’s his book ‘The Chemical basis of medical climatology’. Why some chemical reactions don’t work when what’s happening on the sun and the earth’s related magnetic field at the time. Plus other anomalies were noticed over decades based on the earth’s tilt towards galactic centre on March equinox - that there were dips in readings - colloidal solutions were showing these up. ( listen it’s only a 70 meg download)   http://e-libdigital.com/download/the-chemical-basis-of-medical-climatology-.pdf Crystals - Silica - Computer Chips - Memory - AI - Artificial Intelligence The interview covering crystals and silica, crystal sets - a tiny crystal,  with no batteries listening to radio stations from around the world - to silicon chips in computers and memory to AI artificial intelligence and some scientific atheists wanting to put artificial intelligence into our body - (Ray Kurzsweil) so that we can enhance our memory capability and that what type of consciousness is machine consciousness (and the challenge of machines  having no ethics, normality or virtues)  https://en.wikipedia.org/wiki/Ray_Kurzweil#Criticism Tom voiced concerns about AI - as does Steve Wozniak of Apple, Elon Musk of Tesla and Stephen Hawking the Cambridge Futurist - that we could/will become a machine operating system - (just like the Borg in Star Trek and lose any semblance of self and soul.) Transhumanism and Solid State Entities. Covering Dr John C Lily’s work with the ‘solid state entity’ - an energy that for a better description can incarnate into the equipment. That Tom (like me) says - is anti life - Ray Kurzsweil’s name comes up and his ‘trans humanist agenda’ that is basically heralding the era/error of the time of the machines - instead of evolving the soul and realising a more cro-creative natural state of being. Trans-humanism is a disconnection from nature and the natural world and could be said to be based around lower ego. By merging into a computer and just be around forever is like a hijacking of the human spirit’s journey - and blind to the many great esoteric truths of the past. https://en.wikipedia.org/wiki/John_C._Lilly ‘AI” - Something to keep a close eye on.  https://www.youtube.com/watch?v=HipTO_7mUOw&feature=youtu.be https://www.youtube.com/watch?v=xs_HhZrCBdg Rudolph Steiner and his Spiritual Understandings … That mans mining of the earth has let out elemental energies and that there energies have incarnated into human bodies and these young beings many live by impulse and don’t yet have any real deep inner foundation and so through a progression like - go from kindergarten to primary to secondary and university as in universal. - Tom talks about the chakra system and that the overall picture in the vast scheme of things - all incarnating beings have human rights - all having the right of self development and to choose their path - but as we can see everybody is not born equal especially for self determination. ‘God sleeps and dreams in the minerals, awakens in plants, walks in the animals and thinks in man. What is the next evolutionary spiritual step - for us? Tom discusses this ancient saying that goes way back in time. Ancient Traditions? Hamlet’s Mill and the precession of the equinoxes and its basis in an integration of nearly all ancient traditions The 2nd coming of Christ and the rising of Osiris. https://en.wikipedia.org/wiki/Hamlet%27s_Mill Tom states that ‘we are in a rising as of this time’ - we are at the end of the precessional cycle  - Orion is at the highest point in the sky and it is going through these special alignments with the galactic centre. He talks about events from Hamlet’s Mill - where some civilisations and cultures speak about ‘bitter millennia’  when the gates are open - solstice alignments - to galactic centre and the Pleiades are in here too - this great cosmic alignment that is going on - he says people have been waiting for this time … so Tom looks at astrophysics in relation to the ancient gnostics and the possibilities that await us. Galactic Influences Halten Arp - astrophysicist who was evicted out of the astrophysicist community - like a modern day Galileo - was on the 200 inch telescope at Mt Wilson in the USA and was a protege of Hubble investigating merging galaxies that grew out of each other. https://en.wikipedia.org/wiki/Halton_Arp#Critics  He was also a critical of the Big Bang Theory. Karl Seyfert and active galaxies - that all spiral and elliptical galaxy cores go through periodic core eruptions - which could even account for our galaxy also affecting life on earth with die offs etc - part of the whole metamorphic process - That our distance from the galactic centre is 26,000 years  happens to be identical to our 26,000 year precessional cycle - so we are totally keyed into this process. https://en.wikipedia.org/wiki/Carl_Keenan_Seyfert   Toms talks about quasars from another standpoint - ‘redshift’ and some wild offerings -  listen ... Neutrinos Tim’s question to Tom - What about neutrinos? Are these mega trillions of invisible particles that come out of the universe and zip through all living beings and pass right through this planet then onward into infinity … are these the etheric garment of God that is spiritual in nature and basically omnipresent? There is a Youtube channel called Sky scholar   offering insights about space.  https://www.youtube.com/watch?v=ntXJe9jTahA The God Particle We also cover the God particle https://en.wikipedia.org/wiki/Higgs_boson and that the Large Hadron Collider is the world's largest and most powerful particle collider, the most complex experimental facility ever built, and the largest single machine in the world, situated at CERN between France and Switzerland. Tom mentions that when fired up there is a ‘pertubance in the field’ that is in proximity to CERN. This interview, like Tom’s first interview is extremely interesting and like his previous one https://www.ourplanet.org/greenplanetfm/tom-brown-revealing-the-hidden-knowledge-of-invisible-subtle-solar-and-planetary-forces is definitely worthy of listening to.

Cameron-Brooks alumnus Tom Wilson is a Business Consultant for Marketing Analytics with Nationwide Insurance.  He supports a $50 million portfolio of financial products and services at Nationwide advising business unit managers on technology, marketing road maps, and industry trends. I asked Tom: What are three things JMOs in Year One of a business career should do and three things they should not do? Here’s what he had to say. Three things JMOs should do in year one. Work hard up front, put in the hours. Ask a lot of questions, be curious. Focus on continuous learning.  Tom earned his Executive MBA in his first 3 years with Nationwide. Three things JMOs should not do in year one. Don't be overconfident.  In other words, be humble. Don't be in a rush.  Take your time to learn, develop and make contributions.  The responsibility will come. Don't be overconfident.  In other words, be humble.  No, that is not a typo.  Being humble is so important that Tom mentioned it twice. Tom also adds in three things every JMO should do before the transition. Be proactive about self-development and, if you have time, earn a Lean Six Sigma or Project Management Certification. Read business books and periodicals. Get some exposure to the business trend, Big Data.  You can search YouTube for some videos explaining this or find white papers online. Bottom line, businesses are harnessing a tremendous amount of data to analyze what is happening in their business and how they can better service customers. If you are a military officer considering a transition, you can learn more about Cameron-Brooks here. Joel Junker

Tom - What kind of issues can having bad form in squats result in? I’m mostly wondering for people who add weight to their squats.   Lucas - How can I train to be a good basketball player? What are some good exercises? Deb - My form for golf is absolutely terrible, it’s mostly an issue of my balance. How can I train to better myself? Fitness For Freedom Online Personal Training Subscribe to Our YouTube Channel Follow us On Instagram - fitness_for_freeedom_1 Like Us on Facebook  Exercise Demos We Covered in This Episode

Trading Block: Earnings today include Apple, Under Armour. Odd Bock: Call writer in Coach Inc. (COH), call spreads trade in Constellation Brands, Inc. (STZ) and calls trade in Pfizer Inc. (PFE) Mail Block: Questions, comments, and more. Options #QuestionOfTheWeek - Time for another earnings straddle battle. Which company will outperform their earnings straddle by the largest margin? Apple - $AAPL Facebook - $FB Amazon - $AMZN Chipotle - $CMG Listner questions: Question from Michael Gavriel - Hey guys, I appreciate all the programming. As far as I can tell, the Option Block podcasts sort of arrive a day late. Maybe its my podcast client? I have not looked into it. What I mean is - for example, the recent Option Block show - Option Block 572, it seems like that is a recap of Thursdays action. But when is it published? I sort of 'need' it to be published on Thursday night i.e. the 10th, or very early in the morning, I guess, on the 11th, if I am going to sort of use it to keep me abreast of action ahead of the trading day? Just curious if this is just how your guys schedules work, maybe you record the next morning, and release mid day, in which case I am a bit out of luck in terms of it being a super timely source. But if it is something I am doing wrong on my end, please do let me know! Thanks. Question from Tom - What does this article mean? Question from Koukas - Researchers say we were in the most narrow equity range since 1933 just before the elction. What's the best way to trade that? Sell out a far out straddle? Around the Block: Earnings! AAPL, XOM, CMG, AMZN. Trump Twitter watch. Confirmations.

Fisher opens the show following up on last week's appearance by Susan Snyder who "planted her family flag" with a personal website devoted to her family that has attracted numerous other descendants, including Fisher himself. Both Fisher and Susan were delighted to receive an email from a Cincinnati listener who ties into three ancestral couples shared by both Fisher and Susan. David Allen Lambert, Chief Genealogist for the New England Historic Genealogical Society and AmericanAncestors.org then talks about his experience at the Federation of Genealogical Societies Conference. He also shares news of the discovery of newly developed negatives of a World War I pilot killed in action in 1918. Where did the negatives come from and what do they show? David will tell you. David then jumps to the recent recognition of another aged World War II pilot who was known for more than just his military prowess. Wait until you hear what it is! Then there's word that BBC Scotland is looking for you if you had Scottish ancestors in Nova Scotia. David has all the particulars. David's Tip this week concerns a new app that allows you to snap a pic and have it go out as an old fashioned post card! He'll also have another great free guest user database from NEHGS. Next, Fisher talks to genealogical speaker, researcher, and writer Loretta Evans about "circumstantial evidence" in genealogy. How is it defined exactly and how can it help you "nail down" the line you're researching. Loretta has some great insight and advice. Fisher then visits with Bill Habermann of Tacoma, Washington. Bill has "adopted" over 1,600 people... all dead... in an overgrown local cemetery, and he's doing all he can to let you know who they are. What got Bill started on this and what has the response been? You'll love the story. Then Tom Perry from TMCPlace.com returns to talk preservation. Tom answers a listener question from South Carolina about using a national digitizing firm because no one provides the service locally. As usual, Tom has some great thoughts on protecting your most important family history assets. That's all this week on Extreme Genes, America's Family History Show!   Transcript of Episode 156 Segment 1 Episode 156 (00:30) Fisher: And welcome to Extreme Genes! This is America’s Family History Show. My name is Fisher. I am the Radio Roots Sleuth, on the program where we shake your family tree, and watch the nuts fall out. Nice to have you along today. We’ve got some great guests. First of all coming up in about eight or nine minutes we’re going to talk to Loretta Evans. And Loretta talks about the use of “circumstantial evidence” when you’re trying to put together your family tree. How do you know that it’s really good enough? What can you use it for? She’s going to have that for you coming up a little bit later on. After that, we’re going to talk to Bill Habermann he is up in the Seattle, Tacoma area, and he has adopted 1,600 people. All dead. In a cemetery! And you can do the same kind of thing. He’ll tell you what he’s doing and how he’s helping people all around the country, in fact around the world, find some of their missing relatives in the Washington State area. But right now, let me get on to Boston and my good friend David Allen Lambert. He is the Chief Genealogist for the New England Historic Genealogical Society and AmericanAncestors.org, fresh back from the Federation of Genealogical Societies conference in Springfield, Illinois. How are you David? David: I’m doing good. It’s nice to be back on the ground in Beantown. Fisher: I’ll bet. And you had a good time there? David: We had a great time. And I want to let people know who go to conferences, no matter where it is, don’t be ashamed of wearing a lot of ribbons on your badge. Fisher: Really? Yours is practically like a loin cloth when you’re out there. [Laughs] David: Well I like to say maybe a shawl. [Laughs] Fisher: [Laughs] David: I had thirty-two ribbons on it and when I went to the Federation of Genealogical Societies gala’s 40th anniversary dinner, they had trivia and they also had a scavenger hunt. Fisher: Um hmm. David: 150 points for the longest badge put us over the top! Fisher: [Laughs] David: Myself and Mary Tedesco from Genealogical Roadshow, one of our friends and guests, all won over a thousand dollars in memberships and conference registrations and meals, we’re very, very happy. Fisher: Wow! David: So, laughing my way to the bank for the longest name badge at the Federation of Genealogical Societies and I’d do it again. Fisher: [Laughs] Unbelievable. I’ve got to tell you a story. Last week we had Susan Snyder on the show and she is the lady that set up a website and we talked about it, we did the whole segment about planting your family flag basically out there for people to find you and provide you with materials, and she’s had Bible pages sent to her and things relating to her direct ancestors. Things folks sold her or gave to her. She found me because we’re related. Well we had her on the show, and then the next day she gets a nice email from a guy, a listener in Cincinnati, Ohio, who said, “Hey, we’re related to!” and so now she’s exchanging information with him and I just love the way the show brings people together. David: It’s amazing. Just last week I got a person who has an oil painting of my third great grandfather’s sister born in 1772, and he was not really sure if his family will want it. So I told him I would give her a good home. Fisher: Yeah [Laughs] great! Wow. Hopefully you get that and when you do, send us the picture. We’d all love to see it. David: Hopefully it will be in my home some day. But I don’t want to wish him to meet his maker any time soon of course. [Laughs] Fisher: Of course. Hey what do you have for us today in our Family Histoire news, David? David: Well, the exciting story that I want to start off with is actually about photographs taken a hundred years ago by Captain William Chambers of the 49th Squadron in Kent, England. He was a recognisance photographer in World War I and was shot down in 1918 at the ripe old age of twenty-one. His camera and negatives eventually were passed on to his nephew who recent had them developed. It’s amazing! There are pictures of airplanes and pilots and people that have long since passed. But it gives us another fresh view on history from World War I a century later. Fisher: That’s incredible. What a great story. David: It really is. And I want to propose a toast to the subject of this next story. Second Lieutenant Donald Stinson now aged 93, received four Bronze Stars for his service in World War II, involving bringing guns and men and flying them to the front lines in Japan during the war. But one of the things he did, which is a light hearted note, he is responsible for bringing beer. Fisher: What? [Laughs] David: Twenty thousand cases of beer to thirsty soldiers in multiple “packiruns” if you will, to Australia and New Guinea. And I think that anyone who is a veteran could probably drink to that. Fisher: Wow, that’s great! Congratulations to him. That’s like the second week in a row we’ve had a story of a World War II vet in their 90s just getting their medals now. What is going on? David: It’s about time. It really is. Well I’ll tell you, going back a little ways to the days of immigration and to the east coast, Nova Scotia, which means New Scotland was settled by many people from the Highlands. In 1773 a vessel called “The Hector” brought 189 highlanders that disembarked and were changed in Nova Scotia forever. Now, BBC in Scotland is looking for the descendants. So if your ancestor came to Nova Scotia from Scotland perhaps on the Hector in 1773, there are passenger lists that exist, contact BBC in Scotland. Just check Extreme Genes.com. Our Facebook page will have more details for you. Fisher: That’s very cool. So the people from old Scotland are looking for the descendants of the people in New Scotland, Nova Scotia, to call back home. David: To old Scotland. Fisher: Yeah. David: New Scotland, old Scotland, it gets confusing. But BBC Scotland is obviously doing a little piece on it, so put your kilt on and go and contact them. Fisher: [Laughs] David: One of the things that I really enjoy is a good tip from a listener, and one of our listeners and someone who’s been on the show is the Photo Detective Maureen Taylor. Fisher: Yes. David: While I was in Springfield, she told me about a new type of app that she uses from the app store. There’s a variety of choices to choose from but it basically allows you to send a postcard. Take a picture with your smart phone, this company, for very cheap money, will print and mail mailable postcards for you for your relatives. So the old photo postcards you might have in your family archives, you can create new ones. Fisher: How cool is that! David: It really is. So that brings me to the NEHGS guest user database of the week which harkens back to Scotland again. We now have Scotland marriages 1561 to 1910 and Scotland births and baptisms from 1564 to 1950, in conjunction with our partnership with FamilySearch.org. Well that’s all I have for this week back here in Beantown. Talk to you soon my friend! Fisher: All right, great to talk to you again as always David. We’ll talk to you again next week. This segment of our show has been brought to you from MyHeritage.com. And coming up next, we’re going to talk to a woman named Loretta Evans. And Loretta is an instructor, she’s a researcher, and she’s got some thoughts on “circumstantial evidence.” Now, we hear people talk about it in the courtroom... does circumstantial evidence really prove a case? Well, in genealogy it actually can. And she’ll give you some examples of that and give you some other thoughts coming up in three minutes on Extreme Genes, America’s Family History Show. Segment 2 Episode 156 (11:10) Host: Scott Fisher with guest Loretta Evans Fisher: One of my favorite shows growing up was Perry Mason. And, Perry would get into heated battle in the courtroom with the prosecutor, Hamilton Burger. “Ham Burger” was what he was called. And they’d say, “Well, Mr Mason, that’s just circumstantial evidence!” And that’s what we’re going to talk about today. When it comes to developing your family history and your family tree, how does circumstantial evidence work in there and does it really matter? Is circumstantial evidence really evidence? It is Fisher. This is Extreme Genes, America’s Family History Show and ExtremeGenes.com. And my guest today is Loretta Evans, and Loretta specializes in researching the midwestern United States, and she speaks all over the place, and she’s written articles for all the big family history magazines. And Loretta’s in Idaho Falls, Idaho. Nice to have you on the show, Loretta! Loretta: Thank you. I’m glad to be here. Fisher: You know, I’m excited about this idea of helping people understand that circumstantial evidence really is evidence, and in some cases is very, very strong evidence. So let’s just start with some simple examples of what circumstantial evidence is that we may typically use all the time, right? Loretta: Right. For example, if you have a census record, and you have someone’s age, it isn’t proof of the year they were born. It gives you an approximate year they were born. Fisher: That’s right. Loretta: But it’s sort of depends on who gave the information out. If it was the mother, and this is the child, they’re pretty sure about the age of their children. But if it was a neighbor or a grandparent, they may be a few years off. Or if somebody had a reason to lie, a lot of women lied about their age in censuses, so you can’t. Fisher: I am so glad you said that! Because it’s not something that I can easily say, Loretta! [Laughs] But it is true. For some reason, more with women than anybody else, I’m just sorry, it’s just the way it is. They get younger as they get older! Have you picked up on that? Loretta: I have. In fact, somebody told me, but it may or may not be true, that someone had done a study of British censuses and they found that the average British woman aged about seven years between the ten year census records! Fisher: [Laughs] Loretta: And you know, in a sense if you want someone’s more accurate age, find them when they’re very young or very old. Fisher: Yeah, that’s right. Loretta: And they’re more likely to be honest about it. Fisher: Yeah. [Laughs] Absolutely! Well that’s a great example of circumstantial evidence. Give us some examples though, of course, of direct evidence. Just for the sake of comparison. Loretta: Okay. For direct evidence, on a death certificate, usually the person’s name, their gender, the date they died, the place they died, those are all directly given by the doctor in charge or the person who is giving the information. You can be very comfortable about those pieces of information. Fisher: Right, as long as the people really knew what they were talking about. Loretta: Correct. But for example, the birth date on a death certificate is a little bit suspect. Fisher: Right. Loretta: If it’s a baby that dies and the mother gives the information, yeah, I’d be very comfortable with that. But I had a great grandfather who died in Cleveland, Ohio in about 1900, and I’m thinking he was living in a boarding house because they got his name wrong, they got his birth place wrong, they got his age wrong. It took us a long time to convince the city of Cleveland that he really was the same person. Fisher: [Laughs] Loretta: And that we could put a headstone on his grave. Fisher: And so what you’re saying is, for a death, a death certificate is direct evidence. But a death certificate is circumstantial as far as their birth is concerned? Loretta: That’s true. Or their parents names or their parents’ birth places, they’re wonderful clues. Fisher: Yes. Loretta: And so, if you are a researcher, you take those clues and then you try to find other documents that can prove or disprove that piece of information. And then you can be more comfortable whether it’s accurate or not. I think any evidence in genealogy is accurate until the next piece of information comes along that might prove or disprove it. Fisher: Right. Loretta: Somebody said it was like washing dishes. You’re all done, and then somebody walks in with another dirty glass. Fisher: [Laughs] Wow. That’s not very attractive at all. Loretta: [Laughs] I’m sorry. That image is, you know, you think you’re done, and then somebody gives you additional information that might even call into question what you think is accurate. Fisher: Sure. Loretta: I had two brothers. One born in 1944 and one born in 1950, and they both died at birth. And they were both born on July 12th. And in our family that was this kind of a “tender mercy.” “Oh, they had the same birth date.” And when the cemetery records came online, my older brother Ralph was listed as having been born on July 11th. Fisher: Oh boy. Loretta: And it was in the family Bible. There were no birth or death certificates because they were stillborn. They’re on the headstone. They carved it on the stone. Fisher: [Laughs] Right. Loretta: They forgot it being July 12th. And my mother didn’t really care, and my brother didn’t care, but it drove me crazy. And, I finally got my mother’s hospital records because some mortuary records didn’t exist anymore, and she was in her 90s and she just sighed and signed the permission slip. “Yes, you can release my hospital records from 1944.” Fisher: [Laughs] Loretta: Anyway, I got it from a place in California that had taken all of the records and they were sold there. Anyway, the hospital actually was in Utah. But he was born on July 11th. The headstone is wrong, our family Bible is wrong. Although they were born close to the same day it wasn’t exactly the same day. Fisher: Yeah. I’ve seen this before. We have a family Bible that gives the death date of my great, great grandfather, and even the obituary said December 26th 1875. But the death record said December 27th. And it appears that what happened was that he died at home, late in the evening on the 26th, but the doctor probably didn’t show up till after midnight, because the death time was put down as 12:30 in the morning. Or, they just didn’t recognize that it was a new day, at the point that he’d passed. Loretta: You know, that kind of thing happens. My uncle was born near midnight at home, and nobody looked at the clock until after he was born, but he could have been born before midnight. Nobody ever really knows. They chose one of the days and put it on the birth certificate. Fisher: Here’s another sample of a circumstantial situation that came up. I tracked down a third great grandmother, and I was very fortunate that somebody had actually been able to come up with a family Bible that put her in the family. And, it was from this very same area, so I was pretty confident. But still, how could I know for sure that she was the only person of that name from that area? And so, circumstantial evidence often involves eliminating other possibilities. I think you’d agree. Loretta: Oh, very definitely. You not only have to try to find evidence proving what you have, but you’ve got to look for are there any other possibilities that this could be, and can you prove or disprove those other possibilities. Fisher: And one of the things that’s really helpful now with circumstantial evidence, and when you have a case like this... DNA. And I was very fortunate that suddenly I found a person matching me in DNA who descended from the brother of the person I thought it to be, from a grandfather of the person I thought it to be, and a great grandfather of the person I thought it to be. Which I felt was very good confirming evidence of this otherwise circumstantial case. Loretta: That is excellent. Yeah. Fisher: So you put these things all together and then you get the confirmation, several times hopefully, from DNA. And then you can put together your case and you know, “Hey, wait a minute, I’ve got something here I can be confident in.” And that’s maybe at the point where you can publish it or put it online and share it with other people. I don’t know how you feel about it, Loretta. I like to put things together first of all on my own, keep it to myself, until I’m really, really confident in what I’ve got before I really share it. Because, as we know, once something goes public, if you’re wrong, it will take on a life of its own and live for years and years and years. And it’s really difficult ever to get rid of it. Loretta: Oh, that is definitely true. There are two major places where people put pedigrees. FamilySearch.org, another is Ancestry. The difference is that Ancestry keeps each person’s pedigree separate. Fisher: Yep. Loretta: Where FamilySearch combines everything. And your cousin could come along and change things in a while. So yes, you do want to be pretty comfortable with what you’re putting out there before you submit it. Because you could take two people who live in the same area, who have similar names and make them into one person, and make it very, very difficult in years to come for somebody to separate those two individuals. Fisher: Yeah, that’s the problem. So, that’s why it’s really important to work the negative side. Try to disprove that it’s the person as well as trying to prove it. And maybe get a little DNA help as well. And at the end, your circumstantial evidence can really prove your case. Loretta: One example we had about somebody walking in with another dirty glass... Fisher: [Laughs] Loretta: ...where we had a photograph that was of this woman who had died in Winter Quarters, Iowa. And, my husband and I visited a distant cousin one evening and she had another copy of the photograph. But it was a larger copy and somebody had copied the name of the photography studio as well as the image, and this picture was taken by Ottinger’s in Salt Lake City, Utah. Well, the woman couldn’t have died in Winter Quarters and had her picture taken in Ottinger’s in Salt Lake City because he wasn’t in business at that time. Fisher: Right. Loretta: And he was half a continent away. Fisher: Yeah! Loretta: And so, we concluded that it was the step grandmother rather than the grandmother that was in the picture. Fisher: Interesting. Well, there you go. Always making a few adjustments along the way, right? Loretta: Oh, absolutely. And, any genealogist who is afraid that somebody is going to disprove all the things they’ve worked so hard for isn’t really open enough to be a really good genealogist. Fisher: The experts are often wrong. And the best ones will go back and correct their own errors. Clean up their own mess and wash their own glasses, right? [Laughs] Loretta: [Laughs] There you go. Fisher: Hey, Loretta, delight to talk to you today. Loretta Evans, she’s in Idaho Falls, Idaho, talking about circumstantial evidence. Is it real? Is it good? Can you use it? The answer is yes! Thanks so much for coming on. Loretta: I’ve enjoyed it very much. Thank you. Fisher: And this segment has been brought to you by 23andMe.com DNA. And coming up next, we’ll talk to a Washington State man who has adopted 1,600 people. They’re all dead! They’re in a cemetery! He’s getting the word out about who they are, and you’re going to want to hear his story in five minutes. Segment 3 Episode 156 (24:50) Host: Scott Fisher with guest Bill Habermann Fisher: Welcome back to Extreme Genes, America's Family History Show and ExtremeGenes.com. It is Fisher here, the Radio Roots Sleuth, and part of my sleuthing has to do with tracking down people with interesting stories that I know might interest you. And this is a guy who I think is inspiring a lot of people around the country since his story broke recently in the Tacoma News Tribune. His name is Bill Habermann. And Bill, you work for a funeral company, yes? Bill: I do. Piper, Marley, Malinger and Oakwood are all tied together as one funeral home. Fisher: And yet, this all spills over into your hobby, as it turns out. You found a cemetery out in the middle of nowhere. I guess it's been grown over, and you've kind of adopted it. Tell us about this. Bill: Well, back in the 1880s when the Northern Pacific Railroad came out west and put a terminus here in Tacoma, they gave about 56 acres to the city for a cemetery. And back in those days, folks didn't want the cemeteries near the town, and so it ended up being out in the sticks, kind of. Well, then that cemetery became Old Tacoma Cemetery and was divided up into three parcels. One stayed as Old Tacoma Cemetery, or Tacoma Cemetery, somehow, and I haven't been able to find out how a portion of about eight acres became Oakwood Cemetery, and then off to the side of the two cemeteries. There are two acres that became the county's pauper cemetery. Fisher: And that kind of got overgrown and forgotten, apparently. Bill: Well, yes. And I gave tours of Oakwood several times, and people would ask me during the tour, "Well, what is that on the other side of the fence? I see a few headstones there, but it's pretty much just grass." And then I said, "Well, that's the county's cemetery which was closed in 1927, and there really aren't a lot of records around for it." Fisher: Now why is that? Bill: Well, I think back in the early days people just were not so record conscious as they are now. And either that or they wrote on a slip of paper and thought, "Well, I'll put it in the book sometime." And it didn't happen. Or the county said, "Well, it's up to the funeral homes to take care of the records because they're putting the bodies into the cemetery." They were each paid $4.50 per burial. So some of the cemetery records probably are just lost totally with the county, but I was fortunate enough to have the records for Piper Funeral Home which started here in 1908, and Malinger which started here in 1883. Fisher: They merged at one point. Bill: Well, they merged at one point, yeah. And then what I did, I just got curious and I looked up the folks who had some headstones and found some of them in our records and started putting that down. Somebody said, "Why don't you put this on FindAGrave because people might want to look up somebody." And I thought, "Oh, okay." And I started doing that and then going through all the ledgers here, I just came up with 1,600 folks that are... Fisher: Wow! 1600? Bill: Yeah. And that was at the time Karen did the article. Now I'm up to 1,626. Fisher: [Laughs] Of course. There's always progress. Now, would you find the names in the ledgers first? Or would you find the tombstones first and then try to track them down in the ledgers? Bill: Well, the initial 15 headstones or so, I looked for them in the ledgers, but then I just started with page one of the Piper book and looked through every page, a page at a time, and if I saw $4.50, that was a first give away that it was somebody that went into the pauper's cemetery. Fisher: Interesting. So it didn't mention the cemetery, it was the price that gave it away? Bill: Yeah, it's the price that always gets me to the page, right. Fisher: Oh, that's fascinating. So when did you start this project, and what has kept you going, and how often do you go there? Bill: Well, I started doing in on FindAGrave about six years ago. The people who own or are in control of the cemetery really don't want folks walking around in there, because several of the graves are sunk in pretty badly, because folks were put into wooden boxes and into concrete grave liners. So they tend to like to leave it looking a little rough, as it said in the newspaper article, so that everybody isn't cramming around in there looking for things. The headstones even are in such disarray sort of that I have not been able to figure out even the rows or the blocks or the plot numbers, like we have in our cemetery, to locate a specific person. And some of those folks might not even be anywhere near the headstone that's standing there. Fisher: Right. So the tombstone itself is the giveaway of who's in there, but you just don't know where the grave itself might be? Bill: Yes, right. Fisher: Wow. Bill: And some of them face east and west, and some of them face north and south, and some of them look like they could be in a row, but others have been marked just set kind of whacky. There are two Japanese headstones there that face no particular direction, you know, they're kind of out in the middle of nowhere. Those two fascinated me because periodically when I'd look over the fence I would see fresh flowers put on those two graves, and they're back from the early 1900s, and sometimes there would be small food offerings there also at those two graves. I haven't seen anything there for the last two years, but somebody was coming in there and still honoring their deceased family members. Fisher: That's amazing. Now, what have you learned about the people that are buried in there? Have you found some unusual or interesting stories about them? Bill: Yeah. There is one fellow that still kind of plagues me. His name is Taggart, and his story is sort of interesting in that he was a well known supposedly wealthy person here to Tacoma back in the early 1900s. And sad to say, his wife became insane and went to the hospital for the insane. While he, in the mean time, lost all his money, regained some money, lost it again, ended up living at the poor farm, and apparently he decided to try to commit suicide by cutting his throat with a straight razor. Well, the hospital saved him, but then ultimately shortly after, he died of pneumonia, which got a lot of people back in those days. Fisher: Sure. Bill: His headstone looks like a military headstone. I checked in the Civil War records and there are so many Patrick Taggards that I kind of lost track of did he really deserve a military headstone. But it's not carved in the way of any military headstones that I've ever found online. So he's kind of a curiosity for me. I really would like to get him a new headstone if he is military, but again, I almost run into a brick wall. Fisher: Sure. And that's the problem with common names, of course. So what about families? Have other families reached out to you from near and far to say, "Hey, you found my person I've been looking for!" Bill: Yes. I've gotten some thank you letters from folks, and on FindAGrave, they can correspond back and forth with me, and so they have thanked me and some folks have sent me information to add into my book. There's an infant that died I think age about three weeks, and the family didn't know whether the child was buried. They were so happy to find where the child was, and they sent me a copy of the baptism certificate for this infant. Although that's the only existing document there is, other than the fact that the child is somewhere in those two acres. Fisher: So, what about restoration of the cemetery? You're allowed in there and you're saying others are not, is there any interest in that on behalf of the owners or on the part of the owners to do this? Bill: I don't think so because it probably would be very costly, first of all, to mould the place and keep the grass looking nice, because here in summer everything turns yellow and dries up. The cemetery that they do own, Old Tacoma, is watered all the time with underground sprinklers, and they have their own wells, but I'm sure that they are not interested in spending probably thousands and thousands of dollars to make the cemetery look presentable. Fisher: You would think that people would have to adopt it, I guess, the descendants of those who are in there, if that was ever going to happen, right? Bill: Yeah. And because it's privately owned by Tacoma Cemetery, I don't think that they could even work that. It kind of would be a real conundrum. Fisher: Sure. He's Bill Habermann. He's a funeral director in Tacoma, Washington, and he has adopted his own cemetery up there and is getting the information he's finding up on FindAGrave. Bill, thank you so much for doing this! And I'm sure you're inspiring others who might want to take on the same kind of project wherever they are. Bill: I hope so. And thanks for the call! Fisher: Hey, this segment of our show has been brought to you by LegacyTree.com. And coming up next, we'll talk preservation with Tom Perry from TMCPlace.com. It's time to be getting ready for the holidays. He's got more great advice, coming up for you in three minutes on Extreme Genes, America's Family History Show. Segment 4 Episode 156 (37:10) Host: Scott Fisher with guest Tom Perry Fisher: And welcome back to Extreme Genes, America’s Family History Show and ExtremeGenes.com. It Is Fisher here, your Radio Roots Sleuth with my good friend Tom Perry from TMCPlace.com. He is our Preservation Authority. And Tom, good to have you back. Tom: Good to be here. Fisher: And we do have an email here from Richard Halter, and I believe it’s pronounced Sharon, South Carolina. And he said, “Fisher and Tom, I saw this ad on Facebook and my mind immediately jumped to all I’ve learned from your shows.” Now, he sent us a link to another digitizing firm that’s national. And he said, “My first thought was that they’re not going to do everything that Tom says to look for when getting your products digitized. And the same time though, I live in an area where there isn’t anything available other than big box stores which I don’t even like. Would you recommend something like this store as an option for someone who just wants to get the media digitized? I can do pictures and I’ve played with audio as well as slides and negatives and I’m getting better. I can also take video and convert it from DVD, CD and all this, as long as I can get it to the PC to work on. I’m not a professional to say the least, but I do the best I can and I’m getting better as I go. I’m a very big proponent of getting all of these memories digitized and I’d like to give people some options for things I cannot complete yet. Your loyal listener, Richard.” Tom: That’s a great email that you’ve sent us. You know, there’s a lot of things in here that are really great. I love how you want to get all your stuff digitized. You’re trying to do as much as you can which we really advocate, and then some of the things of course you can’t do. Now this place that you mentioned, I can’t really say whether they’re good or bad because I’ve asked listeners in the past, if you have good experiences with places whether they’re local or national let us know. If you have bad experiences locally or national, let us know also so that we can warn people or encourage people to go to these places. This is one that I’ve never received any information on. I’ve checked out the website, it seems legit and everything looks nice, beautiful website. They’re about the middle to high end which sometimes is good, sometimes it’s bad. Because most of the time when you see these real cheap things, you’re getting what you pay for, and it’s not very good. So they have a fair price, the price is a little higher than what we charge on our online store. But if it’s closer to you and you feel more comfortable doing it, what I would do is, always start with the smallest package kind of as a test drive and see if you’re happy with what they do. And then of course send in all your other stuff and if you’re happy let us know. Fisher: Sure. Right. And testing is a key thing. And I would imagine, aren’t there ratings involved with this somewhere online that he could check out? Tom: You know, there really should be, and I’ve thought about this before getting out there and doing some experiments with some of these different places and actually go in and give them multi-star ratings. So that’s something we’re looking at maybe in 2017, we might actually come out with a rating system. But we really need our listeners to let us know where they’ve had good experiences and bad experiences. And let us know places that they’ve used so that we can maybe start doing a rating system. I really encourage you use local places as much as you want. Use national places if you find out they’re good. You can go to shop.TMCPlace.com and get our prices. And usually if people are close to what our prices are they’re probably legit because they’re doing the right thing. If they’re way below, I say stay away. It’s not worth it. I’ve run into so much product places like that. Fisher: That’s the thing. This is not the kind of thing you really want to price shop on so much. I mean, if it’s too cheap to be true, it’s probably too cheap to be true, Tom. Tom: That is so true! [Laughs] Fisher: [Laughs] Tom: Yeah, you need to be careful. One thing that I really advocate that I think is really, really important which we have never gone into because I don’t like it. A lot of transfer places, they use high speed. So instead of like a VHS tape taking two hours to transfer, they can transfer it in 15 to 20 minutes because they’re doing it high speed which reduces your fidelity. Fisher: Of course. Tom: You know if it didn’t do that everybody would be doing it. We would do it. We could drop our prices way down. However, we wouldn’t be giving our clients the quality that they want. You know, if you’re in a situation where money is really, really tight and it’s that or nothing. It’s still scary, because I have people who come in to me and say, “Hey, we sent it to this place online that’s really cheap. We didn’t get our stuff back. Or it came back really bad. They told us our tape is bad.” And then we had to go and “undo” what the other people did. Fisher: All right. Well, what do we have coming up in the next segment here, Tom? Tom: We’re going to talk about some scanning parties we’re planning. Fisher: All right, we’ll get to that in about three minutes. This segment has been brought to you by Forever.com. And if you have a question for Tom Perry you can always write to him at AskTom@TMCPlace.com and you might get to hear your question answered on the air. From Extreme Genes, America’s Family History Show. Segment 5 Episode 156 (44:20) Host: Scott Fisher with guest Tom Perry Fisher: And we are back, final segment of Extreme Genes, America's Family History Show and ExtremeGenes.com, Preservation Time with Tom Perry from TMCPlace.com. Tom, you were just talking about a scanning party you've got coming up. And let's just explain to people first of all what a scanning party is. Tom: Okay. It’s a lot of fun. It’s not a MRI or CRT or anything like that. Fisher: [Laughs] Right. Tom: What we do is, we scan your photographs. So this is where anybody can bring in one of those sterilight 16 quart shoeboxes with the lid on. Fisher: Yeah. [Laughs] Tom: And you can pack it with your 3x3 up to 8x10 non-damaged, non-mounted, loose photos, and we can scan the whole box for you for twenty five bucks. Fisher: Wow! Tom: So it's an absolute killer deal. Fisher: And fast too, right? Tom: Oh yeah! Oh yeah! It's really fast! It’s amazing! But that's why they can't be mounted or anything like that. They need to be all organized. If you have multiple sizes, just organize your sizes together. And bring your own thumb drive. And there's no additional charge. If you want, we have 16GB flash drives for only ten bucks. Fisher: Now where are you going to be doing this? Tom: The first one we are doing is November 11th and 12th in Midway, Utah. That's kind of up in the mountains, a beautiful ski resort area. Fisher: Wow! That's going to be great. Okay, so you have a location there. Tom: Right. Fisher: So people who would be in the Utah area would go where in Midway? Tom: It’s going to be at the Homestead Resort. It’s all part of the FamilyHistoryExpos.com convention that they're having, those two days which we talked about, about a month ago. So if you want to sign up for the convention, you can come in and do that. You can come in for the scanning party. It’s going to be a lot of fun. Remember, it needs to be up to 8x10 and it’s got to be in sterilight box with the lid on. No great big posters. We won't be able to do anything like that at this time. Fisher: All right, but you can do stuff that's small, very small. Tom: Oh yeah! We can go all the way down to 3x3 as long as they're in good condition. And if you have some pictures that are starting to fade and things like that, don't think, "Oh, I can't do these." No, this is a good time to do your faded ones, because we're going to stop them from fading anymore. We'll give you a digitized copy of all of them. And then whether you want to do it next week or next year or ten years from now, you'll have the high definition file that you can go in and do color correction. Or if you say, "Hey, this is over my head. I don't want to be involved in it." You can email it back to us and then we can do the color correction as well. Fisher: Now what kind of dpi are we talking about? Tom: It’s usually about 1200 dpi. Fisher: Oh that's good! Tom: Oh yeah! It’s a really high dpi. Fisher: It’s solid, yeah. So I've done this recently, of course, I've gone ahead, all of my old home movies and videos digitized. So I've got like 110 of them on disk. I don't even know what's on them all, because I didn't even know what was on the videos when I gave them to you in the first place. The joy of it, though, is I can take them one at a time, maybe one a week, right, and transfer it in some way and edit it down to just each individual thing. We'll, here's a birthday on this video, that's separate from the time we got to meet Joe DiMaggio over here or something like that. I mean, you can separate them all out. And so, with photographs, it would be much the same. You can digitize them all. And then when you get around to it, you're there. And what a great opportunity this is… Midway, Utah, November 11th? Tom: 11th and 12th, correct. Just go to FamilyHistoryExpos.com and you can sign up for the convention if you want to go to that as well. And just remember, like you just mentioned, it’s good to get this stuff done. And I've even had people tell me that they're going to go on a long trip, so they get videos, photos, all these things scanned, and then they sit in the back with the kids and put the DVD in, and they're sitting there writing notes. So when they're driving down the highway they can sit there and watch the thing, instead of watching Aladdin or something with their kids. They can say, "Oh, yeah, this is grandma." and talk to their kids. And make sure you have your iPhone or a tape recorder running, so when you're explaining all this stuff to your kids, you've got it down. And then later on you can make a slideshow with your narration for your great, great grandkids who will never know you, but they'll be able to hear your voice describing who these people are in the photos, who they are in the videos. It just makes it so nice. Fisher: Boy! What a great idea! And you know, trapping the kids, I love that! [Laughs] Tom: [Laughs] It’s great! We're going to be doing a whole bunch this next year in 2017 working with our Going Postal stores. So we're going to have a lot of fun in 2017. Fisher: All right, Tom. Thanks for dropping by. See you next week. Tom: We'll be there. Fisher: And this segment of the show has been brought to you by FamilySearch.org and RootsMagic.com. Hey, thanks again to our guest, Loretta Evans, for coming on and talking about "circumstantial evidence." Does it really add up? And to Bill Habermann from Washington State, talking about the cemetery he adopted and how you might be able to do something of the same. Hey, and don't forget, if you're going to become your family's family history expert, you need to sign up for our free newsletter, The Weekly Genie. Do it at ExtremeGenes.com or our Facebook page. Talk to you next week. And remember, as far as everyone knows, we're a nice, normal family!

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