Podcasts about Tyco

Bom dia.A pílula de hoje vem direto dos bastidores da Tyco e FM Global: por que um bico aprovado custa mais que um comum?Quer saber mais?Episódio completo aqui: www.youtube.com/watch?v=HMwg9VmCCss&feature=youtu.be

Sextou com um PrevCast!No episódio de hoje, nossa host recebe Ana Flores e Thais Tabernero para compartilhar a experiência de visitar os laboratórios da FM Global e participar de um treinamento na Tyco — fabricante reconhecida pela excelência dos produtos distribuídos pela Dinâmica.Uma conversa especial, com reflexões valiosas sobre o que realmente acontece “lá fora” e as principais diferenças culturais que impactam o nosso setor, a nossa profissão e a nossa sociedade.Temos certeza de que esse episódio vai despertar em você a vontade de viver experiências como essa. E a boa notícia: não precisa ir até Nova York. Em setembro, acontece a PrevWeekend — a maior imersão de prevenção contra incêndio da América Latina — e você ainda pode garantir sua vaga.Para isso, coloque seu nome na lista de espera! O 2º lote de ingressos já está aberto e nosso time entrará em contato APENAS com quem estiver na lista: PrevWeekend 4ª EdiçãoNão quer perder os próximos episódios do PREVCAST? Então: Siga nosso perfil Deixe sua avaliação 5 estrelas Compartilhe este episódio com seu colega de prev!

In this episode of Girls with Grafts, host Rachel sits down with Raj Arora, CEO of Jensen Hughes, to delve into the inspiring new partnership between Jensen Hughes and the Phoenix Society for Burn Survivors. Raj begins by sharing his professional journey in the fire engineering industry and what drew him to this critical field. He also recounts his impactful first connection with the Phoenix Society, including a transformative experience at the Phoenix World Burn Congress, and how everything fell into place to bring about this meaningful collaboration.Together, Rachel and Raj explore the shared mission of both organizations: to support burn survivors and promote a safer, more resilient world. They discuss the tangible ways this partnership aims to advance fire prevention and safety standards, as well as the powerful role community plays in recovery and empowerment.Tune in to hear how Jensen Hughes and the Phoenix Society are coming together to make a lasting difference for burn survivors and set a new standard for fire safety!  ⭐️ Enjoyed the show? Tell us by leaving a 5-star review and sharing on social media using hashtag #GirlswithGrafts and tagging Phoenix Society for Burn Survivors!   Meet Our Guest As CEO of Jensen Hughes, a global market leader, Raj Arora guides the company's rapid expansion while ensuring a steadfast commitment to technical excellence and exceptional client service. Through his leadership, he has transformed the company culture, helping to accelerate growth and inspire its 1,700+ engineers, consultants, data scientists and functional experts to develop and deliver innovative solutions that make our world safe, secure and resilient. Throughout his two decades in the fire, security and risk engineering industry, Raj has built a reputation as a skilled engineer and a strategic business leader with a passion for fostering a positive organizational culture. Earlier in his career, Raj held leadership positions as Vice President and General Manager of Johnson Controls' $1 billion Fire Detection and Special Hazard Product division, headquartered in Switzerland. As an equity partner at Arora Engineers, he helped catapult the firm from a small operation to an industry leader in MEP Engineering within the aviation and rail industries.Raj is a licensed Professional Engineer and holds a Bachelor of Science in Fire Protection Engineering from the University of Maryland. Over the course of his career, he's received multiple awards, including Consulting-Specifying Engineer's Top 40 Under 40 honor and Early Career and Distinguished Alumni awards from his alma mater. Moreover, he was recognized at Tyco with prestigious performance awards for accountability, teamwork and technical acumen. He currently serves as a board director for the National Fire Protection Association.Links Visit Jensen Hughes website.Follow Jensen Hughes on LinkedIn.Sign up for Phoenix Society's newsletter. Watch the “Healing Power of Comedy.”Watch Danny Gropper's Girls with Grafts episode on YouTube.Podcast Sponsor Today's podcast is powered by Jensen Hughes! Jensen Hughes has been a global leader in fire protection engineering since 1939. Their diverse team of more than 1,700 engineers, scientists, and consultants tackles complex risk, safety, and security challenges, helping clients protect lives, property, and reputations. Together, they blend expert knowledge, innovative solutions, and cutting-edge research to make the world safe, secure, and resilient. Learn more by visiting www.jensenhughes.com. Sponsor Girls with Grafts  Interested in becoming a sponsor of the show? Email us at info@phoenix-society.org.  

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In this episode of The Health Literacy 2.0 Podcast, Seth Serxner is joined by Shubhi Rao, founder and CEO of Uplevyl, a platform dedicated to using AI and technology to support and uplift women in the workforce while also supporting holistic health and wellness.Shubhi Rao is a distinguished executive who began her career as an engineer, holding dual degrees in Computer Science and Biomedical Engineering. After five years in engineering, she transitioned into leadership roles at companies like Alphabet/Google, Tesco, PwC, Tyco, and Ford, becoming the first woman and person of color to serve as Treasurer at both Alphabet/Google and Tesco. Shubhi is currently a Board Member at Open Lending Corp and the founder of Uplevyl, an AI platform aimed at closing the gender gap in organizations. She holds an MBA from the University of Michigan.Uplevyl is a generative AI platform powered by women's insights, offering personalized development tools to equip organizations for future challenges while fostering women leaders and enhancing their overall well-being. The platform provides resources not just for personal, financial, and professional growth, but also for health and wellness, recognizing that personal and professional success are deeply interconnected.In a wide-ranging conversation, Shubhi and Seth discuss:☑️ How Uplevyl utilizes AI and technology to democratize leadership resources for women and support their well-being.☑️ The challenges women face in male-dominated industries and the impact on their mental and physical well-being.☑️ The importance of personalized content that promotes both professional and personal growth.☑️ Shubhi's unique approach to curating high-quality, applicable resources that include insights on health and wellness, finance, career development, and more.☑️ And much more.Learn About EdLogicsWant to see how EdLogics' gamified platform can boost health literacy, drive engagement in health and wellness programs, and help people live happier, healthier lives? Visit EdLogics.

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Recorded before a live audience at RetroCon 2024, we discuss the mysterious true tale of how pieces of Garfield phones washed ashore for over 30 years. We also explore how Tyco came to manufacture the unusual phone.Subscribe to our YouTube channel: https://www.youtube.com/@1980snowFollow us on Facebook: https://www.facebook.com/1980snow.Become a patron at www.patreon.com/1980snowEmail us at will@1980snow.com or kat@1980snow.com.

Calvin Wheeler, the main character of Life is Ruff, is many things. A big man on campus, a world class skateboarder, master to a snivelling worm-like manservant named Figg and of course, the world's biggest fan of an unpopular superhero named Gotham Man. What he isn't, is a dog owner, something that proves to be a problem when he needs to win a dog show to get enough money to buy the rare comic Gotham Man #1. Enter Tyco, a large, rambunctious shelter dog whose antics prove to be more than the selfish Calvin can handle. Will Calvin be able to overcome his selfishness and lead Tyco to dog show glory? What is going on in Gotham Man anyway? Does that fancy evil boy really die at the end of this movie? Listen to find out, and if you want bonus episodes of the show, monthly livestream watchalongs, or a shoutout at the end of the show, remember to check out our Patreon at Patreon.com/extrahelpings. If you've watched Life is Ruff and have your own thoughts, email them to us at momcantcookpod@gmail.com for a chance to have them read out on the show. This episode is sponsored by Insert Coin Clothing! Visit insertcoinclothing.com and use code BARKHAMASYLUM for 10% off online orders. Codes are not applicable on charity items, bundles, gift cards, postage and some products at launch. Codes cannot be combined with other deals or promotions and are valid until the end of 2024. Contact Multitude for Advertising Inquiries: multitude.productions/ads Check out the official Mom Can't Cook! store for sweet merch: momcantcookstore.com and check out Mom Can't Cook! Extra Helpings for bonus episodes!

What is stranger than fiction? The stories of worldwide corruption. In this podcast series, co-hosts Tom Fox, the Voice of Compliance and Mike DeBernardis, partner at Hughes Hubbard, discuss some of the most audacious corruption cases in anti-corruption enforcement. More importantly, they will discuss the lessons learned on what your organization can do to prevent running afoul of international anti-bribery laws. In this episode of Season 2, Tom and Mike take a deep dive into the historical case of Tyco, a quintessential example of dot-com era excess. Tom and Mike discuss Tyco's journey from a small semiconductor company to a corporate giant under CEO Dennis Kozlowski. Kozlowski's aggressive growth strategies and extreme personal expenditures, such as a $6,000 shower curtain, became infamous. The discussion covers fraudulent activities, including unauthorized bonuses and misuse of loan programs, ultimately leading to Kozlowski and CFO Mark Swartz's convictions. The episode also examines the implications for corporate governance and the sweeping changes in third-party risk management prompted by the scandal. Key Highlights: The Rise of Tyco Dennis Kozlowski's Leadership and Excesses Uncovering the Fraud The Loan Programs and Misconduct The Trial and Conviction Compliance Lessons from Tyco Board Oversight and Final Thoughts  Resources: Mike DeBernardis on LInkedIn HughesHubbardReed Tom Fox Instagram Facebook YouTube Twitter LinkedIn Mentioned in Podcast Taking Down the Lion by Catherine Neal How Compliance Saved Tyco by Joe Mont Texas Tax rate at 80% of 8.25%

Show Notes: Dennis Crowley started working for Tyco International in 1996 and spent five years in Europe, spending half his time in Paris and two and a half years in Brussels. This experience was enjoyable as it allowed him to work, sightsee, and travel around Europe.  During his time in Europe, he had the opportunity to visit every country in Europe, including Spain, Italy, the UK, and France. He moved back to Florida, then lived in New England for 25 years before settling just south of Boston. Dennis worked in various divisions at Tyco until 2007, where he worked in their healthcare group, which spun off into Covidien. He spent 12 years doing mergers and acquisitions, and this experience opened his eyes to the exciting developments in the healthcare space, particularly in medical devices. Lifestyle in the US vs. Europe Dennis compares the pace of life in the US and Europe. In the US, you can get what you want when you want it, but, for example, In Paris most shops are usually closed on Sunday. The cultural norms that may not be easily understood by someone new to the country. Dennis shares a few examples of cultural differences in the workplace. Working in Europe can be a transition from class to a job, but it also presents challenges. For example, Italian culture is different from French culture, and while many people may speak multiple languages, to communicate effectively, one must be respectful of their second language and be able to express ideas in clear and appropriate ways. Medical Devices in the Healthcare Industry Dennis finds this field to be an interesting one as there are always problems to be solved and technologies to be developed. In terms of medical devices, the majority of medical devices have been based around surgical procedures, such as abdominal, cardiac, and peripheral surgeries. These opportunities are often focused on general surgery, such as fixing clots, repairing hernias, and C sections. Interaction with physicians and leaders in their field helps in finding companies to build portfolios for a company. He highlights the role of physicians as advisors who often collaborate with engineers and industry professionals to develop new products and address gaps. This collaboration is crucial for addressing the needs of patients and improving efficiency in the healthcare system. Dennis also talks about recent breakthroughs and innovations. He stresses the importance of having a community of physicians who can help address their needs in the marketplace, and  emphasizes the need for companies to have a strong network of physicians who can help develop innovative products that address the needs of their patients and improve the overall quality of care. Mergers and Acquisitions in the Health Industry Dennis highlights the importance of understanding the business and aligning with the company's vision. He discusses the potential of acquiring companies and their trials, such as Given Imaging, which uses a pill cam to take multiple pictures at once. This technology is used for diagnosing bleeding or other issues in the gastrointestinal tract. It is also an alternative to colonoscopy. Dennis explains that an M&A executive spends most of their time analyzing deals and negotiating them, while also working with the company to understand its business, technologies, and strategies. He mentions that there is also a lot of time spent networking and explains how former classmates and friends had played a role in both his business and personal relationships.  Influential Harvard Professors and Courses The conversation turns to Harvard and golf as Dennis talks about his time on the golf team and that he is still in touch with friends made while on the team. He shares how playing golf has facilitated both business and personal relationships. He also discusses the current etiquette around smartphones on the golf course. Timestamps: 02:08 Cultural differences and lifestyle in Europe 07:17 Medical device innovation in surgery and healthcare 12:33 Medical innovation and product development 16:44 Medical technology and acquisitions 22:12 M&A career path, networking, and golf 27:43 Golf etiquette and networking Links: https://www.linkedin.com/in/dennis-crowley-8130a44/ https://corza.com/leadership/ Featured Non-profit The featured non-profit of this episode is Protect Democracy, recommended by Richard Primus, who reports “Hi, I'm Richard Primus from the class of 1992. The featured nonprofit organization of this episode of the 92 Report, is Protect Democracy. Protect Democracy uses the tools of law and communications to protect the rule of law and constitutional democracy in the United States, at a time when those things are in greater jeopardy than we would have dreamed possible when we graduated from college. I'm proud to have worked with Protect Democracy on a volunteer basis, since it was founded a little more than seven years ago, and also to be a member of its board of advisors, which includes a wonderful group of people.” To learn more about their work, visit https://protectdemocracy.org.

Episode #126 of the Last Call Trivia Podcast begins with a round of general knowledge questions. Then, for our second course, we've got a round of Cooking Trivia!Round OneThe game kicks off with a Common Bonds Trivia question that asks the Team to identify the city in Iowa that shares its name with a piece of furniture.Next, we have a Festivals Trivia question about the largest U.S. independent film festival.The first round concludes with a People Trivia question about a patent received by a famous chess grandmaster.Bonus QuestionToday's Bonus Question is a follow-up to the People Trivia question from the first round.Round TwoWe hope you're hungry for more Trivia! In Round Two of today's game, we're serving up some Cooking Trivia.The second round begins with a Brands Trivia question about Waffle Trainer athletic shoes.Next, we have a Toys Trivia question that asks the Team to identify the name TYCO gave to its “Real Cookin” food baking product.Round Two concludes with a Products Trivia about the boxer who, like George Foreman, released his own version of an electric cooking grill in 2007.Final QuestionWe've reached the Final Question of the game, and today's category of choice is States.The Trivia Team is asked to place five “M” states in order of when they were admitted into the Union.To learn more about how Last Call Trivia can level up your events, visit lastcalltrivia.com/shop today!

This episode of the Rooster Teeth Podcast is sponsored by TyCo! And it's not what you think... Honestly, most of this episode isn't what you would expect. Seriously. Armando kept restarting the show. Andrew would laugh at random thoughts in his head and no one would understand why. Griff was there I think. Idk, come watch it I guess. Learn more about your ad choices. Visit megaphone.fm/adchoices

ATLP Rewind - Originally Released April 1, 2023Welcome to another dimmension, where Joe Mammay is the host of Around The Layout and is interviewing Ray Arnott. Come along as we hear about Ray's start in model railroading, from a TYCO set to an attempt at N scale. Ray tells us how the prototype led him back to the hobby, and how joining a club introduced him to his mentor who helped open his eyes to the concept of operations.Thank you to Joe Mammay who did an outstanding job hosting this April Fools edition of Around The Layout. We hope you enjoy!Check out Ray's P&W & NECR Interchange Model Railroad on Facebook:https://www.facebook.com/PWNECRMRCheck out our website: www.aroundthelayout.comFollow us on Facebook: facebook.com/aroundthelayoutSend us an email: aroundthelayout@gmail.com

En el episodio de hoy vamos a narrar una de las historias de mayor escándalo en las últimas 3 décadas en la industrial empresarial y área de negocios de estados unidos, un escándalo que se dio en la denominada era Enron, ya que fue Enron la primera de muchas otras compañías que cayeron por el destape de negocios turbios cometido por altos directivos de la empresa. Hoy te vamos a contar la historia del CEO que fue a la cárcel, Dennis Kozlowski, por fraude financiero cometido contra Tyco international al recibir varios millones de dólares en bonos no autorizados, así como el pago de una vida extravagante pagados por la compañía también.

It's that time of year again: Mike and Tracy compete to give the best gift to Jesus in a particular life stage.

In this episode of the show, I talk with Jared Maslin about what it means to have privacy on the internet. We talk about the difference between privacy and secrecy, the benefits and limitations of GDPR and the possibility of privacy regulation coming to the US, and we explore the biggest challenges facing data privacy today. His most recent work, including his most recent publication, "Learning From the Past: Applying Concepts of the Sarbanes-Oxley Act to Restore Consumer Trust in Global Data Privacy," involves the design and testing of a more holistic data privacy risk model, using some of the key tenets of independent auditing structures and oversight functions seen after the investor crises of Enron, Tyco, and other financial reporting fraud. Their goal is to leverage the same concepts that were once applied to restore investor trust in businesses, and to extend those concepts to data privacy in order to restore consumer trust in the businesses processing their personal data. 

Molly, Alan, and Max follow the escapades of the smooth-talking (read: selfish) Calvin as he attempts to use a rescue dog Tyco to win a dog show so he might buy a coveted comic book.

"What kind of company, a publicly traded company, doesn't share its most basic financial information with investors? In this episode of Disinformation, host Paul Brandus delves into the infamous case of Enron, a Houston-based energy company that was once a Wall Street darling. Enron manipulated its financial information, misrepresenting its earnings and altering its balance sheet to deceive investors. The host also discusses other cases of financial disinformation, such as WorldCom, Tyco, and Health South, highlighting the destructive power of such deception. He raises questions about the role of artificial intelligence (AI) in detecting and preventing future instances of financial disinformation, particularly in analyzing large amounts of text data, like the 10K filings that companies submit to the Securities and Exchange Commission (SEC). However, concerns exist about the potential risks and unintended consequences of relying solely on AI in financial decision-making, emphasizing the need for human oversight. The episode concludes by reflecting on the challenges of controlling AI-powered disinformation and the importance of remaining vigilant in the face of evolving threats. [00:01:38] Lack of transparency at Enron. [00:07:00] Financial disinformation. [00:12:22] AI and financial disinformation. [00:16:20] AI trading algorithms and risks. Thanks to Professor Craig Lewis of Vanderbilt University for his insights. Sound from CNBC, ABC and C-SPAN. Got questions, comments or ideas or an example of disinformation you'd like us to check out? Send them to paulb@emergentriskinternational.com. Subscribe wherever you get your podcasts. Our sound designer and editor Noah Foutz, audio engineer Nathan Corson, and executive producers Michael DeAloia and Gerardo Orlando. Thanks so much for listening. Learn more about your ad choices. Visit megaphone.fm/adchoices

The adults were so weak they had to be carried off the shipwreck onto shore… Today, I lead the diabetes business in Medtronic, a global leader in medical devices. The business is about 2.3 billion, with over 5,000 employees. The story of “the person most likely to rule the planet in the future”20 YEARS IN PERSPECTIVE:I find myself not in the mainstream part of these companies, but having a big impact on the future of those companies.A bit of a nomad - three million miles of travel approximately, 3 continents, 3 children, 3 C-suite roles, 7 cities and 10 addresses.My background is in software, in tech, Microsoft was really formative, doing all things on consumer software and services, the precursor to cloud technologies. I then joined Tyco electronics, and then Honeywell recruited me to be its first Chief Commercial Officer, and then I was promoted to lead the software business.A lot of people say [about Medtronic] “Well, that's very different from some of the industrial companies, as well as the software world” and the funny thing is, the concepts are exactly the same.I used to think working on software apps was really exciting and was going to change the world... Let's say, if you make a game on the iPhone, is that as thrilling as applying your brain power and your energy towards something like the area of diabetes, where you can really help people's lives? It's just not!The biggest challenge… I think actually having kids and having a career is a juggling act for everybody, it always comes back to the question of how much should you work.ON TOPIC: Grit and leadership, rags to riches, the making of a leaderWhen you grow, life gives you certain tools depending on how you get brought up. And when you grow up poor, you get a lot of tools. I had to support my mother, I had to find a way to go to college. So I had to think about how do I make a lot of money while going to school.At 16 I started a business and after about a year I had a hundred students. So I converted the garage, my bedroom and the living room into classrooms and I taught all weekend. I made more money doing this than when I got my first job at McKinsey.It takes courage to confront necessity and accept that bad things happen. Half my life I was living in poverty or close to financial ruin and I missed out on a childhood, but every day I picked myself up...Changing the events that are outside you is not possible, but you can change how you view them, that's possible. So why don't you go and focus on changing what's possible and I think to me those lessons help you deal with adversity.Don't be a poser, actually contribute, figure out what is your unique contribution, be really, really good, build your talent stack and then the opportunity will find you. You can compete by being political, by being self-promotional, but you're not really adding value and I want to go to bed every night knowing I did my best and contributed.It's helpful to have a personal board of directors, it's people that you trust and you've built relationships over time that can pull you back from the brink of your excesses or when you have blind spots.Cultivate relationships, do it because they're your friends or they're people you respect and admire, not because it helps you get ahead.ON TOPIC: Diabetes, medtech, health25% of healthcare is spent on diabetes, that's a lot, in the world.There's about 7 million people that have type 1 and type 2 insulin-dependent, that's a lot of people. If you then go to the broader type 2, you're talking about 200 million people that need some sort of medication. Innovation here is: you're putting something in someone's body.

The podcast opens with Paul reading and discussing Ben Carlson's recent article on the collapse of bonds,“Everything  & Everyone Underperforms Eventually.”   Paul references a table of returns that compares Short, Intermediate and  Long Term Treasures.   Paul also references a table of Fixed Income Returns during years with S&P 500 loss.  The following short article is referenced in a discussion of Bill Miller and Legg Mason Value Trust's 15 year record of returns ending in 2005.Russel Kinnel Jan 3, 2006  "Bill Miller has done it again, but it was a close call. Miller's  Legg Mason Value (LMVTX) extended its winning streak against the S&P 500 Index to 15 straight years, with a 2005 return of 5.32%. The S&P 500 returned 4.91% for the year. Miller's aversion to commodity producers, specifically energy stocks, meant he had an uphill climb in 2005. In addition, duds like Tyco International   and  eBay (EBAY) added to the challenge. However, big bets on  Google (GOOG) and  UnitedHealth Group (UNH) won the day. Those stocks nicely illustrate Miller's style. He believes that you have to stick your neck out on controversial or at least misunderstood names to beat the market. EBay and Google are bold bets because their multiples are so steep that they need nearly flawless execution to produce good returns for shareholders. Yet, Miller will also buy fallen growth stocks where controversy has frightened off less-secure money managers. Hence, Tyco and UnitedHealth. While his streak against the S&P 500 is a fun way to keep score of Miller's accomplishments, his goals revolve around long-term success versus the market. The consistency of his record helps to keep investors in, but his 10-year return is more impressive. The fund has gained an annualized 15.19% over that period, which is about 6 percentage points per year better than the index. For more perspective on the streak, read Chris Traulsen's Fund Spy column from November 2005." The Long Term Investor – Episode 62 – Investing for Higher Returns with Eduardo Repetto   Rational Reminder – Eduardo Repetto : Deep Dive with Avantis Investors' CIO – 11/24/2022  Paul recommends investors listen to the following interviews with Eduardo Repetto, the Chief Investment Officer of Avantis Funds.         Bogleheads on Investing (the one w Rick Ferri)  - Episode 43: Eduardo Repetto on factor investing    

In this podcast episode, Keith Weinhold and Kirk Chisholm discuss the differences between real estate and stock investing. Kirk Chisholm is the Principal of Innovative Advisory Group. He provides his perspective as a wealth manager, emphasizing the control and lower risk offered by alternative assets like real estate.  Learn the difference between risk and volatility. We discuss risk-adjusted returns, liquidity, and the importance of understanding and managing risk. The conversation also covers cash flow, dividends, big tech stocks, and private mortgages. Interest rates and inflation—we discuss their future. Kirk believes rates will stay at this higher rate for a long time. Timestamps: The Paradigm Shift in Interest Rates and Inflation [00:00:01] Discussion on the new paradigm of interest rates and inflation and how it affects real estate and stock investors. The Impact of Front Porches on Society [00:01:35] Exploration of the impact of the disappearance of front porches on neighborhoods and communities. The Definition and Management of Risk in Investments [00:05:50] Explanation of how risk is defined and managed in different types of investments, including stocks, real estate, and alternative assets. The difference between volatility and risk [00:10:21] Explanation of the temporary price movements (volatility) and permanent impairment of capital (risk) in different investment assets. The illiquidity of real estate and non-traded REITs [00:13:11] Discussion on the illiquidity of real estate compared to publicly traded markets and the example of non-traded REITs during the 2008 financial crisis. Importance of cash flow and dividends in stock investments [00:15:26] Exploration of the two camps in stock investing: cash flow-driven investors and appreciation-driven investors, and the significance of dividends and cash flow in stock investments. Dividend Stocks and Value Stocks [00:20:17] Explanation of the difference between growth stocks and value stocks, with a focus on dividend-paying stocks. Private Mortgages and Cash Flow [00:21:12] Discussion on the benefits of investing in private mortgages and how it provides a passive income stream. Default Rates on Hard Money Loans [00:25:48] Exploration of the default rates on hard money loans and the industry's approach to mitigating risks for both borrowers and lenders. The new paradigm of interest rates and inflation [00:31:32] Kirk Chisholm discusses the shift in the economic paradigm from low interest rates and inflation to higher rates and a shrinking economy. The impact of higher rates on mortgages and real estate [00:35:39] Kirk explains how higher interest rates affect mortgage payments and housing affordability, leading to a decline in house prices. The consequences of higher rates on corporate America [00:37:48] Kirk discusses how higher rates can impact corporations, particularly those with short-term debt, potentially leading to bankruptcies and market clean-up. Higher rates and recession correlation [00:39:55] Discussion on the correlation between recessions and lowering of interest rates, and why it may not happen in the future due to high inflation. Fed's focus on stable prices [00:42:48] The Federal Reserve's prioritization of stable prices over high employment, within their dual mandate. Interest rates and the economy [00:44:10] The potential impact of higher interest rates on the economy, with a discussion on when the next recession may occur. Resources mentioned: Show Notes: www.GetRichEducation.com/460 Innovative Advisory Group: www.InnovativeWealth.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Find cash-flowing Jacksonville property at: www.JWBrealestate.com/GRE Invest with Freedom Family Investments. You get paid first: Text ‘FAMILY' to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   Complete episode transcript:   Keith Weinhold (00:00:01) - Welcome to. I'm your host, Keith White. As a real estate investor, you are highly cognizant of your cash flows to stock investors. Even think about that and how we've now entered a completely new paradigm of interest rates and inflation and how to respond today on Get Rich Education with real estate capital Jacksonville. Real estate has outperformed the stock market by 44% over the last 20 years. It's proven to be a more stable asset, especially during recessions. Their vertically integrated strategy has led to 79% more home price appreciation compared to the average Jacksonville investor since 2013. GPB is ready to help your money make money and to make it easy for everyday investors. Get started at GWB Real estate. Agree that's GWB Real estate. Agree.   Speaker 2 (00:00:59) - You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get rich education.   Keith Weinhold (00:01:22) - What category? From Bogota, Colombia, to Wichita, Kansas, and across 188 nations worldwide. You are back in that abundantly minded place where financially free beats debt free.   Keith Weinhold (00:01:35) - And by now you might have already won the inflation Triple Crown. I'm your host, Keith Wild. Hey, Noah, is this a real estate problem? Philip Gulley, the author of Porch Talk. He said, I believe all that is wrong with the world can be attributed to the shortage of front porches and the talks we had on them. Somewhere around 1950, builders left off the front porch to save money, and we've had nothing but problems ever since. That's just the sort of thing that I think about now as you and I are enjoying the dog days of summer, as I trust that you are, you know, neighborhoods, property, it all used to be more wide open. The Pennsylvania house that I grew up in and that my parents still live in, it has a real front porch. And no one I mean, nobody has fences around their yard either. It is a real lemonade sipping chat with the neighbors vibe there that, well, seems to be more and more of a remnant of yesteryear.   Keith Weinhold (00:02:44) - I mean, gosh, from what I can see, there are more and more gated communities. Uh, people tend to get more concerned about security and that often means that they trade away freedom. Hey, well, our guest on the show today, he hits differently. And you're going to feel that because he's the principal of a firm that helps investors with stocks, bonds and mutual funds, as well as real estate investing. And it's not just REITs, real estate investment trusts, but more than that. And, you know, whenever he and I talk, we tend to get each other thinking in different ways, in shape, each other's opinions somewhat, as you'll probably see again today. He and I disagree on some things and we agree on others. I'm going to ask him about whether or not stock investors even care about cash flow. We'll be sure to get his insights on the direction of interest rates and inflation and more. Well, I'd like to welcome in our guest today he runs innovative wealth.com he's the principle and a wealth manager there at innovative advisory group.   Keith Weinhold (00:03:54) - They're based in Massachusetts but they advise well beyond any state borders. Hey it's been a few years. It's great to have you back. Kirk Chisholm Thanks for inviting me back. Keith. I was a little worried there didn't appear well in your show, but thanks for having me back. Yeah, well, it's been absolutely too long, and I really appreciate your perspective because they're with what you do. You're principal of a company that helps people invest in a big, wide palette of things, from stocks to private mortgages and some things with real estate and elsewhere. So you have this really broad view. So tell us what percentage of your business is is stocks, bonds and their derivative products like ETFs and mutual funds versus everything else? It's interesting because my industry is primarily focused on stocks, bonds and mutual funds. It always has been, probably always will be, in large part because they're easy to sell, They're publicly available information and everyone is can simply just click a button and get it done. So my industry tends to work towards lazy solutions or simple solutions.   Keith Weinhold (00:05:00) - Nothing wrong with that. You just have to know with what you're getting. It's funny, when we started our firm in 2008, we were doing a lot of private mortgages and we talked to the regulators at the time and they said, Oh, well, what percentage of your accounts in alternatives? Because we told them we did alternatives like what percentage of your accounts? And we said, Yeah, somewhere like 40 to 50%. You know, it probably ranges between 40 and 60. You could hear a pin drop in that room. I did pick the lady's mouth off the floor like she couldn't believe that. How quote unquote, risky that is. And she said the first question, she's like, are you serious? Isn't that really risky? And I started laughing and I said, risky? You mean like Worldcom, Enron, AIG, Tyco, You know, like Lehman Brothers, Bear Stearns? They just kept going on and on. She's like, all right, I get the point. And we had to define the concept of risk.   Keith Weinhold (00:05:50) - This is the part that your audience will appreciate, right? If you're investing in a company, it's been screened by the SEC. It's passed certain muster. It's SEC doesn't endorse it, but it's passed certain muster. You say, all right, I feel comfortable that this company's met the minimum criteria. That's not always the case. Right. Companies go bankrupt all the time. And we actually have a spike in bankruptcies most recently because of the economy. But if you look at piece of real estate, I can go walk up and touch it. I can go to the Registry of Deeds and see that I own it. I can talk to the maintenance guy or the property manager and see what's going on and have influence on it. I would say if you know what you're doing, there's a lot less risk. And I would say if you own a piece of gold, what's your risk? I could lose it. Somebody could steal it. The government confiscates it. That's pretty much it, right? It's not going to zero.   Keith Weinhold (00:06:37) - It's not going to the moon. It's just a rock. The way you define risk is really something that a lot of people don't spend time with is managing that risk. So a lot of what we've done is we've looked at it from a different perspective. What is the best investment given the criteria that we have, the markets we're in and the risk available? You know, what is going to do the best considering the risk as an example, Bitcoin or Ethereum or any sort of cryptocurrency, the risk is it could go to zero, right? It's not going to go below zero risk as you lose all your money or you might make 10 or 20 times your money, right? That is also possible. Both scenarios are probably on the extreme ends of probable, but either way, like you have to account for both scenarios and say is it worth it going to zero for me to make X amount of return? If the answer is yes, then it makes sense. If the answer is no, then don't invest in it or invest in a lot less of it.   Keith Weinhold (00:07:31) - So that's kind of how we look at risk and that's why we look across the board for alternative assets. We're very agnostic about the assets because it really just comes down to, is it a good investment or not? That's really the criteria we look at. Risk is what goes beyond the edge of your understanding. Think that's what applies to that conversation that you had that you brought up there earlier. Right. It's largely about one's risk adjusted return. You talk about with real estate how you have more control over an investment because you can get in there and understand it and change the operations of it in order to drive a return. And then stocks have this very efficient market where it's quick and easy to get in and out and things are more liquid. This very efficient market with real estate, there really isn't any app you can go on and be like, Oh, okay, well my duplex was up 3/10 of 1% this past week. That doesn't happen. That's part of the inherent inefficiencies with direct ownership of real estate, of course.   Keith Weinhold (00:08:32) - I would argue the point of efficient markets, the stock market is is not efficient, despite what the academics will tell you. It is more liquid. I would argue that real estate is illiquid, which is good and bad, right? If you need to sell, it's bad. If you're looking to buy and you don't need to buy, it could be really good. Stock market is very different in that it's claimed to be efficiently priced with all the known information at the given time. And the price is the price. And what I would argue is that's an interesting philosophical standpoint, but it's inaccurate, right? Because if all the information was known, then we wouldn't have volatility. But we do have volatility and the stock market is a forward pricing discount mechanism, right? So you look out six months and say, what's the market going to do? That's where the stock prices are six months from now, not today, six months from now. So whatever the market thinks is happening, they think it's going to happen then.   Keith Weinhold (00:09:26) - So if you look at interest rates, which I'm sure we'll get to, they're looking out six months and for the last two years I've noticed on the expectation of the yield curve, it's that, oh, rates are going to drop in the next 3 to 6 months and in 3 to 6 months it's going to drop in 3 to 6 months. Over and over, it keeps pricing out well, another 3 or 6 months. And I think that the market doesn't really look beyond that because it's really hard to predict. First of all, you can't predict the future anyway, but if you're probabilistically, going to try beyond six months is really hard because there's so many things that got to happen that changed the dynamics significantly. Talk about efficiency with stocks. I'm talking about how stocks are efficient and easy to liquidate. It's pretty easy to sell. And then over here in real estate investing, there is no panic selling because it takes quite a while to buy into sell. Therefore, that's some of the inefficiency of real estate compared to stocks.   Keith Weinhold (00:10:21) - We look at that through a liquidity perspective, right? So liquidity can be a good thing or a bad thing because when there's panic, selling, liquidity can lead to greater volatility like we see in stock. Yeah. And I want to point out two things here. So first is there's a difference between volatility and risk. And I think it's really important for people to understand the difference. So volatility is temporary price movements. It's how much the price fluctuates in any given day. Real estate investors don't see this right, But stock investors, Microsoft is up 5% yesterday. Nvidia's up like whatever, 70% of the day or whatever it was, 30 some odd percent in a day. That's volatility, right? You look at stock prices drop 30 plus percent in a short period of time. Technically, that should have been risk because the whole global economy shut down. But it turned into volatility because it went down and it came back up, actually exceeded the price of the start of Covid by the end of the year, which is insane to think about.   Keith Weinhold (00:11:20) - The whole world shut down. People are locked in their houses and yet the stock market is up. That is what I would consider volatility. Now, risk is what I would call a permanent impairment of capital. Now what that means is you buy a Beanie Baby at $100 because you think it's going to be worth a lot more. And then all of a sudden the Beanie Baby bubble crashes and never recovers and it turns into a $100 Beanie Baby into like a dollar. That's a permanent impairment of capital. That is a risk that you're not going to ever get your money back. You buy a I hate to swear on your show, but a beep coin that make up most of the cryptocurrency coins out there. They could all go to zero. I mean, you look at drawing a blank on the one with that. Elon Musk supports the dog dogecoin. Yeah, they claim this zero. It's a socially supported currency, but it doesn't have any value and they all admit it doesn't have any value. It's virtually worthless except for what people are willing to pay for it.   Keith Weinhold (00:12:15) - That has the potential to have risk in it because it could go to zero. But if I'm investing in GE, Microsoft, Apple, Johnson, Johnson, whatever, these companies that produce cash flow, they're solid companies with a long, long track record, they could certainly go to zero, no question. But typically the movements in price are volatility. Risk is when the chairman goes off, steals all the money and moves off to some island and people are left holding the bag saying, what's going on? You know, you look at AIG, Lehman Brothers, Bear Stearns, all those companies that basically made bad decisions, that is risk. That is not volatility. So it's important to understand the differences between the two, because if you don't, most people think of I am managing risk, I'm diversifying. No, you're managing volatility. Managing risk is completely different and you have to use different tools for that. Most people don't manage risk, they manage volatility. The other point I want to make is you mentioned the illiquidity of real estate.   Keith Weinhold (00:13:11) - And I want to point out an example which is kind of bordering the owning your own real estate versus, let's say, a REIT. I remember back in 2008, nine and ten when people were jumping out of the windows because they couldn't get rid of their illiquid non traded REITs. And I'm not a supporter of that of non-trade REITs or people jumping out of Windows. But in general, the non traded REITs market was interesting because technically they said you'd have quarterly liquidity, you could get a quarterly and normal times. That was true. They would just cash you out if you need money. However, when everyone's running for the door at the same time, they can't cash everybody out because they can't sell the property. So what do they do? They lock the doors, locked everybody in to burn alive. Well, the price went from, let's say, hypothetically, $100 down to $10 and people wanted out at any price. It didn't matter. They needed out. They need liquidity. Whatever it was, there were actually markets around.   Keith Weinhold (00:14:03) - You could buy people's shares of these non traded reach for like $0.10 in the dollar and people were willing to pay to discount 90% of the investment where you could have just walked in and purchased it and waited another five, seven years and you could have made 100 cents in the dollar. It's crazy. But that's one of the nice parts about real estate. And I'm using a security as an example because you can do that in real estate. But when you have the publicly traded markets, that doesn't necessarily happen, but it can happen in certain periods of time when the markets are completely irrational and everybody thinks the world is ending. Sure, that's a be greedy when other people are fearful, sort of seeing their I know their IT innovative advisory group. Since you do have this wide palette of offerings, you kind of have this broader view of things. I'm wondering, Kirk, a lot of people in that stock world, many of them concerned with cash flow or it might be dividend there, or are they even as interested in cash flow there with the kind of stock and mutual fund investments as they are over here in the real estate world where we're quite interested in cash flow? And then do they even take the dividends or do they just reinvest them, which is called a drip program dividend reinvestment program? How important is that to investors on the stock side? It's a good question.   Keith Weinhold (00:15:26) - So what tends to happen is people kind of fall into two camps, much like the real estate camp. Some people fall into the. Cash flow camp. Which is your camp? Which is my opinion. I think that's the best way to invest is cash flow appreciation. You're just taking a guess. But there are good amount of people that are appreciation driven. They don't look at cash, so they're happy to make zero cash flow for the expectation They're going to make lots of money and appreciation and look at them like, What are you thinking? Like, what if the cash flow declines? You're going to support the negative cash. Why do you own it? It's silly, but some people think that way. They think, Let's go for the appreciation. Let's roll the dice. Let's go. No whammies, you know? And what ends up happening is these people make mistakes because the real estate market, this usually happens at closer to the tops and people make bad decisions and they realize, oh, crap, I can't make this work.   Keith Weinhold (00:16:16) - I was trying to Airbnb this with a two cap, this not working. So now I need to sell this thing or I'm going to lose my shirt. I had these conversations all the time. So using that as an example, because that's where your audience will understand dividend investors the same. So a lot of people, when they're investing in stocks, they're looking at stocks as a way to make money. Most people want total growth, which really means in their mind, appreciation. What are the stock market do this week? What did it do this quarter? That's all people want to know. Well, what about the dividends? Well, actually, there was a time 40, 50 years ago when dividends mattered, you could get six, seven, eight, 9% dividends. Now, that's absurd to think about that. The only stocks that pay dividends of that nature are stocks that are highly speculative or the dividend is highly speculative. Market typically looks at dividends and if they don't trust the dividend will continue to get paid.   Keith Weinhold (00:17:08) - They'll actually discount the stock, which will make the dividend look real attractive. It'll suck people in to buy it and then they'll slash the dividend back to a rate that's normal. So people looking at dividend stocks, be careful because we're not in that environment where dividend stocks are all that attractive. If I can get a 5% close to zero risk US Treasury bond and I can compare that to a 2% dividend stock, I'll take the Treasury all day because it's close to guaranteed dividend stock. Maybe it goes up, maybe it goes down, who knows? But, you know, ultimately you're trying to solve a problem. The big challenge we have now, is any of this sustainable? Are the cash flows sustainable? Good value? Investors should be looking at cash flows. They should be looking at metrics and trying to find stocks that are at a good price that will pay them a handsome return over time. And the problem is, is we don't live in that environment much like the real estate market. It gets overheated because too many people are chasing too few properties and virtually everyone was putting all their money into 5 to 7 stocks on the Fantastic Seven or the Faang stocks or whatever you want to call it These days.   Keith Weinhold (00:18:18) - That name changes all the time. But the point is, you've got big tech that's driving most of the return this year. Think big tech made up 2,530% of the S&P 500 500 stocks. You have five stocks making up 25 to 30% of the index by size. And by return, it made up think the S&P was up 15%. And these 5 or 7 stocks made up 13% of that 15. Really crazy, crazy to think about. Right. But that's what people look at is the index. And the index is not necessarily accurate, but that's what people look at. So you have to gauge it by that. Most of the marketplace is chasing these appreciation returns. And like you have with real estate, you get the good with the bad, you chase appreciation. You can win or lose. I don't know where the future is going to be, but I know that if I'm chasing cash flow, I'm pretty certain I know where that's going. But if I'm investing in a tech stock that has negative cash flow, I have no idea where that's going.   Keith Weinhold (00:19:19) - Right. Could go up, could go down, who knows? But I look for stocks with good cash flow. I think if you're going to invest well, you want to find a legacy stock that you feel comfortable owning forever. Now, when it comes back to the Fang acronym, I tend to think Nvidia should be replacing Netflix in the Fang acronym about this time. But dropping back earlier when we were talking about dividends, I don't track this very closely, but last I checked, probably last year it seemed like the average dividend paying stock in the S&P 500 was something like 2%. Is that still about right? I think it's actually a little bit lower. I haven't looked at it in the last few weeks because it's gotten so low, it's almost not even worth looking at. I think last year was 1.77. As of right now, it's 1.47 on the S&P 500, 1.5%, which is insanely low for real estate investors. I think of the dividend yield in stocks as being synonymous with the cash on cash return in real estate.   Keith Weinhold (00:20:17) - But you said something earlier about dividends, Kirk, that I actually thought was the opposite way. I thought that dividend paying stocks tended to be kind of those older, stodgy or staid, like a utility company rather than a younger tech. Company. Yes, that is accurate. Yes, Most of the dividend stocks are what we would consider value stocks. So the terms growth, stock and value stock are actually don't mean anything. They're what everyone wants it to mean. What they tend to mean is growth Stocks tend to be stocks that are focused on appreciation. Value stocks are typically focused on cash flows or their stocks that are discounted, and you can buy them for good cash flow. But if you look at a stock like Microsoft, I mean, you got the dividend yield is about 75 basis points, 76 basis points as of today. So you're getting less than 1%. But Microsoft's one of the the Fang stocks, right, or Fang, whatever they're calling it now, they come up with a new acronym.   Keith Weinhold (00:21:12) - But some of these big tech Apple's fang of dividend so some of the big tech actually are paying dividends. Now what we're talking about, the production of cash flow or income from both stocks and real estate here. And one thing that I know you do in there and that you help investors with is private mortgages in producing an income stream that way. Can you tell us more about that? Is that where you have clients where you connect them with ways to make hard money, loans to real estate investors, for example? As we talk about here, I'm a big fan of cash flows and I have a few favorite asset classes and they're not the stock market, right? I love real estate. I love tax liens. Tax lien is by far my favorite. If you can get them the right way and the right price, which you can't, but if you could, that's one of my favorites for many reasons, but one of the ones that we do a lot of are hard money loans or private mortgages.   Keith Weinhold (00:22:05) - The reason I love it is because they're simple. If you're investing in real estate, it's not passive income. It's a business. You have to manage the business. You have a property manager, you've got tenants, you've got expenses, you've got taxes. All this stuff you have to deal with, which is fine. There's nothing wrong with that. But when people invest passively, it's not passive, right? It's active. It just happens to be a different business than one that you're selling widgets out of the corner store. If you're investing in private mortgages, you have to do your due diligence up front. But once you invest in it, you're done until you get paid back. It's like any sort of fixed income. It's a bond. It's fixed income is how I look at it now. For the past ten plus years, you couldn't get any rates on bonds, your fixed income, part of your portfolio, your treasuries, your corporate bonds, whatever you're buying, you're getting close to zero.   Keith Weinhold (00:22:54) - And there was a lot of risk. So we substituted these for our fixed income and you're getting 10 to 15% over the last ten years where the common rates and I like them because you're getting access to real estate. So real estate is backing the note. So it's a mortgage, right? So you're lending somebody else money at, let's say, 12% and they're going to pay you that 12% and give your money back at the end. And if they don't, you get their property. Now, personally, I don't want their property is too much headache because when I got to do foreclosure and go through all that, that's not the point. Some people do. Some people invest in hard money with the assumption they're going to own that property. And it's a great acquisition strategy. If you're so inclined. It's not you know, I have clients. I can't have that kind of business model. It's just too much of a headache for everybody. So we want people that are going to pay and pay on time and people are going to continually come back and I can work with versus having the lender investor that actually helps the borrower default so that they can get the property correct, which like I said, is a great investment strategy.   Keith Weinhold (00:23:55) - It's just not our investment strategy. And I think just like real estate, you can buy foreclosures, you can buy off MLS, you can build. There's so many different things you can do. Same thing with notes with paper. Paper is a great asset class if you know what you're doing. The challenge with private mortgages, hard money now is because everything is so expensive that these investors, these fixed and flippers investors would have. You can't make money. And I know there are people out there that are doing it. So it's not that it's not happening, but anybody I know that's really good at fixing flip or rehabs or things like that in my area, not speaking for every part of the country in Miami, in the Boston area, they're not doing deals because they can't make money. There's no margin of error. If they were to compete and win the deal and they make a mistake, they're going to lose money. They don't want to lose money. So they need to have a big enough margin cushion so that they make a mistake.   Keith Weinhold (00:24:49) - They're still making money. So these people we work with, they're not doing deals because there are no deals to find. So that means there are fewer mortgages times like 2008, nine and ten, we didn't have enough client cash to put to work. Like we had so many notes coming at us we didn't have enough cash to find. Now it's the reverse. There's plenty of cash chasing them and there's not enough notes out there. And a lot of the notes are poor quality because the risk is too high. We want easy. We want somebody paying on time, we want our money back and then go on and do it again. So I love them for cash flow. It's simple and easy and it solves a lot of problems. So this is interesting. If you as a real estate investor have ever taken a hard money loan, you might wonder who the lender is on the other side of that. And that might be someone like Kirk's clients in there where he is. Kirk. Can you tell us more about the default rates on the hard money loans lately? How often do they not get paid back and do they go into default? Yeah, that's a good question.   Keith Weinhold (00:25:48) - So I don't know the industry rates. So we work with a handful of people and that's all we work with, so we know the rates for them. I'll tell you about ours and I'll tell you about the industry a little bit more. So for us, we've done hundreds and hundreds of these things and I would say less than 1% of them have had issue. So we are truly not looking for rates of default. A tornado tore through the neighborhood and tore off the roof. That's an issue. That's not something I can deal with. Right. Guy you're working with dies. It's an issue you got to deal with, right? Like this isn't somebody making a bad deal or run away with the money. This is stuff that you can't predict and is inevitably going to happen in one way, shape or form. So we mitigate the risk as much as possible, but our rates of default or I would say not even default, but just having issue with the loan because most of the stuff it's, you know, maybe discount if you have a something like that, maybe it's your discounting the interest instead of getting the full interest, maybe get partial interest or even no interest, get your money back.   Keith Weinhold (00:26:44) - Like for us, it's like, how do you handle a default is really important because the borrower, there's some risk there, but then there's the lender, there's some risk there. So you have to find a balance that makes everybody happy so that, you know, the borrower is not taking it on the chin because then they're not going to come back. But it's not all in the lender either. So you have to find a balance and work with people. Much like with real estate, you know, you get a bad tenant, so you try to work with them so you still get paid. It's the same kind of thing. But if you look at the industry, the industry is interesting. So I interview a lot of hard money lenders on my show over the years and fascinated to hear what they say and some of the people who do the most or they're in charge of marketplaces of these notes. What they've been telling me for the last few years is think about this way. A lot of these things come from developers or fixing flippers.   Keith Weinhold (00:27:31) - They get their properties out of foreclosure, they get it out of sheriff's sale, they get out of fire or estate sales like these things where they're highly discounted. So during Covid, the courts were shut down for a year and a half. You couldn't get these properties if you were foreclosed on, you couldn't get foreclosed on for two years because the courts weren't open. And when they did open, there was such a backlog of other stuff that was more important than that. They were dealing with like murderers and whatever, rapists, people that actually need to go to jail. And they're not dealing with foreclosures to the same extent. So the courts are backed up for a long period of time. And so when they finally opened up, you start to see a trickle through. You're starting to see more now. But that was a big challenge to the market. So what I've been hearing for the people who are really deep in this market and they see everybody across the board, across the country is they've all said that there's a tidal wave coming.   Keith Weinhold (00:28:24) - And a lot of the problem is, is there are a lot of bad notes out there. So there are people who basically created these notes, right? So they underwrote the notes. They they lent money to somebody with bad terms or is a bad loan like the person should have borrowed or whatever it is, they're still paying. But you see, the quality of the paper is really bad. And what's going to happen is if you see a hiccup in the real estate market, then you're going to see this paper flush through the system because all of a sudden this deal that was marginal is now a bad deal and it flushes through either people default or they sell or whatever. And that stuff has to flush through the system until it does, the market's not going to be efficient. Everyone is waiting around saying, I know there's bad paper out there. I'm trying to find good stuff and it's harder to find, but it's not from a lack of paper, it's from a lack of quality paper. And this happens every real estate cycle.   Keith Weinhold (00:29:19) - Having 2008, nine, ten flushes out the bad people, buy the paper at a discount. You're listening to Get Rejection. We're talking with innovative welcomes Principal Kirk Chisholm when we come back, including his take on where we're going with interest rates and inflation. I'm your host, Keith Lindholm. You know, I'll just tell you, for the most passive part of my real estate investing personally, I put my own dollars with Freedom family Investments because their funds pay me a stream of regular cash flow in. Returns are better than a bank savings account up to 12%. Their minimums are as low as 25 K. You don't even need to be accredited. For some of them. It's all backed by real estate. And I kind of love how the tax benefit of doing this can offset capital gains in your W-2, jobs, income. And they've always given me exactly their stated return paid on time. So it's steady income, no surprises while I'm sleeping or just doing the things I love. For a little insider tip, I've invested in their power fund to get going on that text family to 668660.   Keith Weinhold (00:30:30) - And this isn't a solicitation If you want to invest where I do, just go ahead and text family to six six, 866. Jerry listeners can't stop talking about their service from Ridge Lending Group and MLS 42056. They've provided our tribe with more loans than anyone. They're truly a top lender for beginners and veterans. It's where I go to get my own loans for single family rental property up to four Plex's So start your prequalification and you can chat with President Charlie Ridge personally, though, even deliver your custom plan for growing your real estate portfolio. Start at Ridge Lending Group.   Speaker 3 (00:31:16) - This is author Jim Rickards. Listen to Get Rich Education with Keith Reinhold and Don't Quit Your Day Dream.   Keith Weinhold (00:31:32) - Welcome back to Get Rich. We're talking with Kirk Chisholm. He is the principal and a wealth manager at Innovative Advisory Group. And I like to chat with Kirk and some of these people that have this bigger picture view where they offer clients stock options, real estate options and more. In Kirk, I know you like to say that we're sort of living in a new paradigm and that people are only just now starting to realize this new paradigm, which has to do with interest rates and inflation.   Keith Weinhold (00:32:01) - So tell us about this new paradigm. Let's take us back a few years. So if you think about what's happened in history, I'm a student of history, much like you are, Keith, You look back in history, it's instructive as to how the future may act, right? It's never going to mirror that because it doesn't happen that way, as I think it was. Mark Twain has said that history never repeats, but it rhymes. I'm not sure if that's actually attributed to him, even though people say it is. But point being is if you look back in history for the pretty much starting in like the 70s, we had a period of time and I'm going to come back to the 70s, but we had a period of time where things were volatile, we had high interest rates and we peaked at 20% rates depending on which rate we're talking about. The 30 year treasuries, I think it hit 15%. Fed funds rate hit 20%. So we had some pretty high numbers. And so the subsequent 40 years, interest rates declined for 40 years.   Keith Weinhold (00:32:56) - If you had bought a 15%, 30 year Treasury in 1980, 1981 and held on for the whole 30 years, you would have made 15% for that whole time. And it bottomed out a few years ago. So think about the 70s. Like, here's the economy, right? I got my hands together. Here's the economy. This is what it looks like, right? It's this size Now. If you start injecting leverage, you get a mortgage on your real estate. That's leverage. The company borrows money. That's leverage. Right? So you're borrowing money. So your borrowing future cash flows to use today. So let's say I own a home outright and I decide, hey, I want to borrow money to go buy a motorcycle, whatever. Okay. Well, I just increased the economy size because I borrowed money, right? So I've increased the amount of money in circulation from 1983 81 until pretty much a few years ago, the interest rates went from a high amount of 20% down to close to zero.   Keith Weinhold (00:33:51) - Now, the lower the interest rates, the more you can borrow. So if you think about the economy, it kept increasing as rates drop because you can borrow more and more money. Now, how much money can you borrow? A 0%. Keith An infinite amount, in theory, yes. As much as they'll give you. And how much? If it's negative, I don't know. I'm going to borrow a bunch of people and borrow their money like and we get into this crazy period we had a few years ago where there actually negative rates in Japan still does. But the point is, is the lower the rate, the bigger the economy can be because you're allowed to leverage more and it means you can borrow more money and use that money for other things. And now that's a problem because you're borrowing future cash flows to use today. So at some point you got to pay that back one way, shape or form or another. The thing is, is that is increased the size of the economy over this time.   Keith Weinhold (00:34:37) - So the paradigm from the early 80s until a few years ago was one of leverage and growth. And there's a lot of things went into that globalization, outsourcing to China and Asia, technology, all these things influence this growth of the economy. But then in 2021, we hit the lowest rates. We hit mortgage rates at 2.5%. Fed funds rates were low, Treasuries were low, and they started raising rates in 2022. So the economy now started to shrink because you can borrow less. Now, it didn't actually shrink, but I'm using this for illustrative purposes. So if I'm looking at this big, huge balloon and think of it as a balloon, right? You start as there's no air in it, you blow it up with air, you get this huge balloon. Well, as rates go up, you start to let air out of the balloon because you can't sustain high interest rates because it comes down to cash flow. So what ends up happening is as rates go up, the economy effectively starts to shrink over time because if low rates help it expand, higher rates will contract it.   Keith Weinhold (00:35:39) - But it doesn't happen today or tomorrow. It happens over years, as the economy did in the last 40 years. So the paradigm we had changed two years ago and now we have high interest rates and the economy is shrinking to acclimate to this new higher rate environment. So you could have bought mortgage for 2.5% for 30 years on the house. You bought a $500,000 house, 2.5%. You probably would have paid, I think, $3,700 a month rate. You're paying $3,700 a month. That's where you can afford. And most people were doing that, so they bought as much as they could afford. However, now mortgage rates are seven and a quarter at seven and a half. That $3,700 a month mortgage is now doubled. So now you're looking at about a $7,400 a month mortgage. I can't afford $7,400 a month, so I can't buy that same price house. Now, the house price to accommodate that has to decline. And I'm using real Estate Illustrated because it also I'll tell you in a minute so the house price has declined to accommodate that higher payments because people can only buy what they can afford.   Keith Weinhold (00:36:43) - Now take that illustration and overlay that into corporate America, because companies do the same thing. They borrow as much as they can get away with. As you say, with mortgages, it's fixed. It doesn't affect me because it's fixed. And same thing with corporations doesn't affect me. It's fixed. That's correct. Which is why it doesn't impact the economy immediately. But it does impact it over time because with the 30 year mortgage, you never have to move. But if you do have to move, you're in trouble. If you own commercial property, you don't have 30 years, you might have a five or a ten year mortgage, which is going to roll at some point in time and hopefully rates are lower. But if they're not now, you've got some explaining to do, right? In corporate America, there's a lot of companies that get, you know, short term debt that's going to roll over at a higher rate. How are they going to afford it? Johnson, Johnson, Apple, Microsoft, they can afford it, but can borderline junk bonds, companies that are low quality, that are just making it, barely making it buy in cash flow because they can borrow money? What about them? Well, they're going to be forced to make hard decisions or go into bankruptcy.   Keith Weinhold (00:37:48) - So what higher rates do? It basically cleans up the economy by taking out the inefficient players and forcing some into bankruptcy, foreclosures, whatever it may be, it effectively will clean up the market, but it also caused the economy to shrink. So it destroys capital. And if we have rates that are higher for longer than, let's say a few more months, if they're higher for 5 or 10 years, it's going to be a problem. And I think we're going to have higher rates a lot longer than most people think. The market is predicting another six months they're going to drop rates. They've been saying that for the last year. So I don't think they're accurate. I think it's going to be at least a year, maybe two, and then we'll see what happens. Hard to see that far out, but people need to be become acclimated to these higher rates for a while because if you look at historically, these aren't that high. Their average rates. Yeah, they're right in the mean like we're not high historically.   Keith Weinhold (00:38:43) - If you look at bond yields I mean you look at late 90s, you've got up to 6%. I think you've got to 6 or 7% and depending on what you're investing in. So we are not high and default rates are not high. Default rates for high yield bonds historically are 7%. I think we're like 1% like last 15 years. So the numbers that we saw were extreme examples of the economy. And we're going to find a happy balance somewhere. And I don't know where that is, but this new paradigm is about reassessing the assumptions you're making about your investments, about the economy and any assumption what are interest rates going to be? What's inflation going to be? These are things that people never even thought of. They just assumed, Oh, inflation is going to be 3%, I'll just use that. Or interest rates, they're going to be similar. You can't make those assumptions anymore. You have to have broader. Lateral testing of whether this is going to work or not. You've done a great job of breaking down that new paradigm where basically that 40 year period from 1981 to 2021, we had gradually declining interest rates and something in 2021, that's where things changed and we entered into a new paradigm of increasing interest rates.   Keith Weinhold (00:39:55) - So as we're winding down here, you stated you think that we will have persistently higher rates for quite a while. So many people have been saying a recession is just around the corner for so long. It's sort of annoying to really think about it. But as we know, with the recession, that generally correlates with a lowering of interest rates. But you don't see that happening by next year, say, with a lowering of interest rates that corresponds with a recession. What you said is recessions typically correlate with lower rates. You're correct. But what if they don't? I'll give you some examples here of why things are different and why it matters. So if the last 20 plus years, if we had a recession or even a sniff of a recession, the Fed would drop rates, print money, they would boost the markets back up. Everything would be fine. Right. Problems solved. Right? The world's going to end. Don't worry. Here comes the Fed to the rescue. They did that for 20 years.   Keith Weinhold (00:40:49) - But now we have high inflation. So with high inflation, they can't do that because if they do that, it causes inflation to spike, much like the 70s. Now they're not oblivious to the 70s. They know full well what happened and they don't want to repeat it. What they're saying has been pretty clear. We're going to make sure we kill inflation. We don't want it coming back. It is very probable that we have inflation dipped down into two even 0% this year. There's the probability is low, but it's probability we could hit 0% inflation by the end of the year. However, I don't think it's going to stay there because we tend to get a bullwhip effect, which we've seen in many commodity prices, lumber in particular, where the prices go up and then too many people, they make too much lumber to sell and then there's a glut and then it goes lower and then it goes higher because, you know, so you get this bullwhip effect, which is a problem which caused and it's the same thing with inflation, right? You get this bullwhip effect because the changes have been too drastic that people can't adjust, so they over adjust, are under adjust, and that causes this big change.   Keith Weinhold (00:41:50) - So I think we're going to have a dip back to inflation, probably not 8%. But when that happens, they're going to have to come back and raise rates. So what they're trying to do is they're trying to keep rates higher, longer to make sure inflation doesn't come back. We're really in this back and forth of where are we going to go, where's the Fed going to take us? And if it tends to be five years of high rates, that's going to really impact the economy and eventually we will hit a recession. But I think the probability is showing very low probability of recession anytime soon because it's not playing out in the data. Some data is showing yes, some data is showing no. But when I start to see that, it means it just doesn't matter. It's not going to show up. Well, that's some good perspective, Kirk. CPI inflation peaked at.   Speaker 3 (00:42:36) - 9.1%.   Keith Weinhold (00:42:37) - A little over a year ago. It's at 3% now. But yeah, one place where I agree with you, Kirk, is, yeah, the Fed sure does not want to see that pop back up again.   Keith Weinhold (00:42:48) - And within the Fed's dual mandate of high employment and stable prices, it seems like they're prioritizing stable prices over keeping employment high, that's for sure. Well, yeah, there's been a great wide ranging chat.   Speaker 3 (00:43:01) - With interest.   Keith Weinhold (00:43:02) - Rates.   Speaker 3 (00:43:03) - Inflation stocks, real estate and producing income from both of them. Kirk If our audience wants to reach out to you or learn more about what you do, they're at Innovative Advisory Group. How can they do that?   Keith Weinhold (00:43:15) - Thanks, Keith. So yeah, the best way people can find me, I'm really easy to find. They can go to my podcast, Money Tree. Podcast. Com. We have two shows a week. One show we interview really intelligent investors like Keith, for example. We have the second episode is really more of a timely what's going on the markets this week, what's new, what's changed? Just so we can kind of keep people up to date with what's going on and if people are really looking to find out more about me and my services, you can go to Innovative Wealth and I've written all the blog posts there, but our company provides wealth management services for people, whether it's financial planning or portfolio management.   Keith Weinhold (00:43:52) - That's a lot of what we do. So like I said, I'm easy to find and I'm pretty easygoing guys. So if you're interested, you can find me there.   Speaker 3 (00:43:58) - Kirk Chisholm, Innovative Wealth. It's been great having you here. Thanks so much for coming on to the show.   Keith Weinhold (00:44:04) - Thanks for having me, Keith.   Speaker 3 (00:44:10) - Yeah. Well, Kirk Chisholm, he thinks that higher interest rates will linger longer. And he told us why. Now, Historically, it takes 3 to 5 quarters for interest rate hikes to hit the economy. Rate increases begin in March of 2022, but Americans are sitting on lots of cash. So many think that this recession that's perpetually just around the corner won't begin until at least next year. One benefit of a recession coming is that people will stop spreading undue concern.   Keith Weinhold (00:44:45) - About.   Speaker 3 (00:44:45) - A recession Coming Coming up here on the show, lots of great real estate investing strategy sessions forthcoming, not just big picture impacts like the direction of rents, home prices and interest rates, but also how to improve your operational efficiencies, like how to tamp down on higher property insurance premiums and more including what today's market for new build for plex's like investing in America's intermountain West and more.   Speaker 3 (00:45:14) - Until next week. I'm your host, Keith White. Don't quit your daydream.   Speaker 4 (00:45:21) - Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.   Speaker 3 (00:45:50) - The preceding program was brought to you by your home for wealth building. Get rich education.    

This Episode of the Fire Sprinkler Podcast, I go head to head with Nick Martin from JCI in a race to see who can install faster. Me with a regular threaded ESFR, and him, doubling me up with the Rapid Install ESFR. We discuss the development, how contractors are accepting it, and more! Recorded in Austin Texas at the NFSA Conference and Expo!

Al & Val FINALLY enjoy a DCOM dog movie! Life is Ruff (July 15, 2005)IMDB Disney WikiDirected by Charles Haid (TV Director - Doogie Howser, Nip/Tuck, ER, Criminal Minds + Actor - Hill St Blues) Written by Eddie Guzelian (Almost exclusively a cartoon writer until Walking Dead)Starring: Kyle Massey as Calvin Wheeler (That's so Raven, Cory in the House, Fish Hooks, Millennials)Kay Panabaker as Emily Watson (Read it and Weep, Summerland, Phil of the Future, No Ordinary Family, stopped in 2012)Mitchel Musso as Raymond Figg (Hatching Pete, Hannah Montana, Phineas & Ferb)Carter Jenkins as Preston Price (Bad News Bears, Valentine's Day, Famous in Love)Mark Christopher Lawrence as Calvin's Dad (Tiger Cruise - character actor)Judith Moreland as Calvin's Mom (character actor)Yolanda Wood Strange as Rondel's Mom (Read it and Weep, HSM 3)Synopsis: Calvin is a likeable, bright 13-year-old who has almost everything he could want in life - except a prized rare copy of a comic he collects. When he hears about a dog show with a $5,000 prize, he decides to get a dog and enter, to win the money and buy the comic. However, he doesn't bargain for the fact that he comes to love Tyco, the accident prone, lovable mutt he rescues from the pound.Fun Facts: No Wikipedia AT ALLTyco's real name is JedNext Movie: TwitchesCreators & Guests Val Agnew - Host Allie Ring - Host ★ Support this podcast on Patreon ★

If you're looking for the poster boy of corporate greed, look no further than Dennis Kozlowski, the former CEO of Tyco who took excess to a whole new level. In 2005, he was arrested and served six and a half years in prison for looting nearly $100 million from his company. Records revealed that he secretly loaned tens of millions of dollars of corporate funds to executives, and forgave those loans to win their loyalty. Without board approval, he doled out millions in bonuses and used company money to buy a $16.8 million apartment in New York City. He repeatedly dipped into Tyco's til to cover his personal $80,000 American Express bill and luxury oddities including a $17,100 traveling toilet box, a $15,000 dog umbrella stand and a $6,000 shower curtain. On this episode, hosts Jon Small and Dan Bova speak with Catherine S. Neal, Associate Professor of Business Ethics and Business Law at Northern Kentucky University and author of "Taking Down the Lion: The Triumphant Rise and Tragic Fall of Tyco's Dennis Kozlowski" to get to the bottom of his greed (if there is a bottom.) Thanks for listening, be sure to subscribe and throw us a rating!

If you're looking for the poster boy of corporate greed, look no further than Dennis Kozlowski, the former CEO of Tyco who took excess to a whole new level. In 2005, he was arrested and served six and a half years in prison for looting nearly $100 million from his company. Records revealed that he secretly loaned tens of millions of dollars of corporate funds to executives, and forgave those loans to win their loyalty. Without board approval, he doled out millions in bonuses and used company money to buy a $16.8 million apartment in New York City. He repeatedly dipped into Tyco's til to cover his personal $80,000 American Express bill and luxury oddities including a $17,100 traveling toilet box, a $15,000 dog umbrella stand and a $6,000 shower curtain. On this episode, hosts Jon Small and Dan Bova speak with Catherine S. Neal, Associate Professor of Business Ethics and Business Law at Northern Kentucky University and author of "Taking Down the Lion: The Triumphant Rise and Tragic Fall of Tyco's Dennis Kozlowski" to get to the bottom of his greed (if there is a bottom.) Thanks for listening, be sure to subscribe and throw us a rating!

Welcome to another dimmension, where Joe Mammay is the host of Around The Layout and is interviewing Ray Arnott. Come along as we hear about Ray's start in model railroading, from a TYCO set to an attempt at N scale. Ray tells us how the prototype led him back to the hobby, and how joining a club introduced him to his mentor who helped open his eyes to the concept of operations.Thank you to Joe Mammay who did an outstanding job hosting this April Fools edition of Around The Layout. We hope you enjoy!Check out Ray's P&W & NECR Interchange Model Railroad on Facebook:https://www.facebook.com/PWNECRMRCheck out our website: www.aroundthelayout.comFollow us on Facebook: facebook.com/aroundthelayoutSend us an email: aroundthelayout@gmail.com

Augmented reveals the stories behind the new era of industrial operations, where technology will restore the agility of frontline workers. In this episode of the podcast, the topic is "Augmenting Workers With Wearables." And our guest is Andrew Chrostowski, Chairman and CEO of RealWear (https://www.realwear.com/). In this conversation, we talk about the brief history of industrial wearables, the state of play, the functionality, current approaches and deployments, use cases, the timelines, and the future. If you like this show, subscribe at augmentedpodcast.co (https://www.augmentedpodcast.co/). If you liked this episode, you might also like Episode 92: Emerging Interfaces for Human Augmentation (https://www.augmentedpodcast.co/92). Augmented is a podcast for industry leaders, process engineers, and shop floor operators, hosted by futurist Trond Arne Undheim (https://trondundheim.com/) and presented by Tulip (https://tulip.co/). Follow the podcast on Twitter (https://twitter.com/AugmentedPod) or LinkedIn (https://www.linkedin.com/company/75424477/). Trond's Takeaway: Industrial wearables have come a long way. There is a big need for assisted reality in many workforce scenarios across industry. There are now companies taking good products to market that are rugged enough, simple enough, and advanced enough to make work simpler for industrial workers. On the other hand, we are far away from the kind of untethered multiverse that many imagine in the future, one step at a time. Transcript: TROND: Welcome to another episode of the Augmented Podcast. Augmented reveals the stories behind the new era of industrial operations where technology will restore the agility of frontline workers. In this episode of the podcast, the topic is Augmenting Workers With Wearables. And our guest is Andrew Chrostowski, Chairman and CEO of RealWear. In this conversation, we talk about the brief history of industrial wearables, the state of play, the functionality, current approaches and deployments, use cases, the timelines, and the future. Augmented is a podcast for industrial leaders, for process engineers, and for shop floor operators hosted by futurist Trond Arne Undheim and presented by Tulip. Andrew, welcome to the show. How are you? ANDREW: Hi, Trond. Great to be here. I'm doing great. TROND: You know, you are a poster child entrepreneur engineer, Oregon State, University of Southern California. You are actually an expert on the future of work. There are so many people that say they talk about the future of work. You are implementing and, selling, and evangelizing a true future of work product, not just a story. We're going to be talking about augmented, assisted all kinds of reality and collaboration, Andrew, because that's, I guess, what it's all about. And you lead the industrial wearable company RealWear. But first, I want to get to the fact that you're a certified firefighter. Now, how does that fit into this? ANDREW: That's really a great question. And one of the things that's been passionate for me from the beginning is being close to the customer. It was true when I was an Air Force officer designing for systems that would support our warfighters and putting myself in their situations in life and death. Certainly, I think about it in terms of customers, and we were dealing with other lines of business and trying to understand the customers' perspective, and especially the frontline workers that create those products. And when I took over the Scott Safety business when I was part of Tyco, their particular market was firefighters. They were the leading provider of air tanks, cylinders, respirators, what we call SCBAs, self-contained breathing apparatus for firefighters. Now, I know a lot of things about a lot of areas of technology. But I didn't know anything about firefighting. And so when I took over that business, the first thing I did was go to Texas A&M and actually get trained and certified as an interior firefighter. So I actually put on all the bunker gear, timed donning just like you do when you're in the fire station, fought real fires that were built, and to understand really the challenges they faced. And I came out of that training really having a greater appreciation for just how challenging that work is. And I know it's shocking to your listeners, but everything we ever see on TV and movies about firefighting is wrong. Basically, firefighting, besides being terrifying, and difficult, and dangerous, is basically blind. You're in the smoke. You're in the dark. And my background in the Air Force thermal imaging systems and multispectral systems came back to me. And I said, "You know what we need to do is give predator vision to firefighters and give them the chance to see the unseen in the dark." And so, coming out of that training, I initiated an in-mass thermal imaging system for firefighters that went to the market about 14 months later at Scott site. TROND: Wow, that's some real background there. I'd like to start with that story because it reminds me that what we're about to talk about here, you know, wearables, it's not a joke. These are, you know, in industrial environments, these are not optional technologies once they really, really start working. And you can sort of say that they're first-line technologies. They better work every time. So this is not a case where you could kind of, well, you know, let's install another version and restart and whatnot. These are eventually going to be hopefully systems that the modern industrial worker really starts to trust to perform their job efficiently. Before we get into the nitty-gritty of all of the different things that RealWear is trying to do, I wanted to just ask you a basic question, what is assisted reality? It's a curious phrase. It's like, why does reality need assistance? [laughs] You know, where does that even come from? ANDREW: You can deny reality, but you can't deny the effects of denying reality. When we talk about assisted reality, it's a point on the spectrum what we call XR, the extended reality. It starts with reality and ends when that virtual reality, the fully immersive digital environment that we experience and what we talk about a lot in the metaverse. Then coming from reality forward, you have assisted reality, which is a reality-first, digital-second environment, which is what we focus on. It is the idea that this is the technology available now that allows a worker to be productive and work safely in a real-world environment. When you get into augmented reality, which is something that we think of when we think of products like HoloLens and other similar types of products, that's where this digital environment begins to overlay the actual environment. It imposes a cognitive load on the brain so that you're now having to focus on things that aren't really there while there are things that are really around you that could hurt you. This is great when you're in a safe environment, in a classroom, in a design area, when you're collaborating in the office to be able to immerse yourselves in these three-dimensional digital objects. It's much different when you're walking on the deck of an oil rig or you're potentially working around a cobot that can hurt you when your attention is distracted. And then we have sort of that virtual reality game that we started with in the metaverse where people are now kind of transposing themselves into a fully digital atmosphere. We at RealWear have focused on making a difference for the future of work and focusing on those 2 billion frontline workers who could work more safely and more productively if they were connected. And it makes perfect sense to us. If we learned anything from the COVID lockdowns, we learned that this idea of working from anywhere, the idea of the office worker working from home, working from the coffee shop, all of this now has become just a given. We know that we need these digital tools to collaborate remotely. What we only have begun to just crack the code on is that there are, again, 2 billion people working with their hands on the front line who could work more productively and more safely if they were connected workers, if they had access to information, if they had access to collaborating in a hands-free way with their counterparts across the world. And so RealWear, our focus is this mission of engaging, empowering, and elevating the performance of those frontline workers by giving them an assisted reality solution that is extremely low friction and easy to use. TROND: I like the distinction there. Even though this podcast is called augmented, I like the distinction between AR and assisted reality. Because there's really, I guess, you can see it more clearly in the consumer space where it sounds so fascinating to enter these virtual worlds. But in industry, the virtual is really subservient and needs to be subservient to the very reality. So I guess assisting reality is the point here. It's not the endpoint that is necessarily the virtual. You're using the technologies, if I understand it, to strengthen the ability to survive and be very, very efficient in reality as opposed to entering some sort of virtual space where you are simulating more. You're talking about critical applications in the physical industrial reality, so that's now clear to me. Having said that, this is not easy to do, is it, Andrew? ANDREW: No. I mean, there's a lot that comes into this idea of making technology that's human-centric. And all the things you were just talking about really bring us back to this idea that this kind of assisted reality solution is about helping the human being at that nexus of control operate more safely and effectively in a variety of environmental conditions. It is really important that we think about the technology serving the person and not so much technology that is imposing itself on people, which is oftentimes what we see as we try to roll out different kinds of technical solutions. The folks who are doing work with their hands who are daily exposing themselves to risk have a very low tolerance for things that waste their time, are difficult to use, or distract them from reality. And so all of those things are factors we took into account as we developed this first head-mounted tablet computer that now is in the market as the Navigator 500. TROND: Andrew, can you tell me a little bit about the history and evolution of these kinds of technologies? Because there is so much hype out there. And you did a pristine job as to making these concepts fairly distinct. But how long has there even been an industrial product? I guess a lot of us remember the first Google Glass, but partly what we remember is the hype in the consumer market, which then kind of fell flat. And then they reemerged, I guess, as sort of a light competitor to you guys and then has since somewhat disappeared. But, anyway, there are a lot of attempts in the near history of technology to do this kind of thing. I mean, it corresponds pretty neatly to various sci-fi paradigms as well. But what are the real prototypes that go into the inspiration for the technology as you have it today? ANDREW: Well, I'm glad you mentioned science fiction because really the way I would start this, otherwise, is, say, a long time ago, in a galaxy far, far away, we had Star Wars. And if you think back to that show, science fiction has been part of how people work in modeling, how people work for decades and more, from Jules Verne all the way through to Star Trek and the like. And so when you think about these technologies, you go back to processes and technologies that support humans collaborating. And back in Star Wars, we had a character called Boba Fett who famously has, and now you see it in the Mandalorian, a little device that comes down from his helmet in front of his eyes and acts as a rangefinder and computer screen. Actually, one of the founding engineers that were part of the design of the first RealWear device came out of designing Boba Fett's helmet. And so there is really a connection there about how people have imagined people work and how people actually work. And the actual part really started with Dr. Chris Parkinson and spending over ten years working on what is the right ergonomics. What's the right way to shift the balance, the weight, the size, and manner of the display? How do you control the windows and amount of information displayed? And how do you suppress the outside noise so that you can have a voice control system that makes it truly hands-free? So it began with this idea of all great things start with a spark of imagination. And then bringing that to a very practical point of view of solving the problem of being able to give someone information and collaboration tools hands-free in an environment where they can work safely but connect to all the value and information that's out there that we enjoy every day working as office knowledge workers with the internet. TROND: Andrew, what are some of the technical challenges you had to overcome? I can imagine; first, you have to design something that is probably bulkier than you wanted, and then eventually reducing its size is one thing. But I can imagine the algorithms apply to, I mean, there's imaging here, and there's a bunch of design techniques to make this work. And then you said ruggedized, right? I mean, this stuff cannot break. ANDREW: That's right. TROND: What are the kinds of things that went into and is going into your next-generation products? ANDREW: Well, I think that's a great question. And, of course, as new products evolve and we build on the learnings we've had from having one of the largest install base of wearable computers in the world, we can sit there and say, look, it starts with ruggedization. Because, frankly, these frontline workers, when they're wearing these devices on their hard hat, at the end of the day, that hard hat gets tossed into the back of the truck. It gets tossed in the van. It gets dropped on the ground, or in the mud, or out in the rain. So we knew right away that we had to build a device that was able to hold up to that, things that a lot of similar kinds of products that are out there just can't hold up to. So we started with this idea that it had to be extremely rugged. It had to be lightweight enough to wear all day. And our first version did that very well. The Navigator 500 has come now just as rugged but now 30% lighter. So we've learned how to make that ruggedness, even in a lighter form factor. You have to trade-off on how you see that display in bright sunlight, in dim settings. You have to think about how you operate in a noisy environment. So you can imagine if you're trying to use a voice-driven assistant, whether it's on your phone or a little microphone device in your home, you use a wake-up word, and then you have to try to talk clearly. And if you don't talk clearly, you end up having it not do what you want. That's very frustrating for a frontline worker, and it's just downright distracting and dangerous at times. So we chose to have a system and voice control that does not require a wake-up word. It's always listening. And it listens in context to what's on the screen. Literally, what we say is you say what you see. And that's about all the training you need to learn how to use the Navigator 500 effectively. And because it's so easy and intuitive, people get used to it quickly. And they go gravitate towards how it's making their work easier to get to, how it's easy to launch a collaborative meeting in any number of key applications, whether it's Microsoft Teams, Cisco, Webex on demand, whether it's Zoom, whether it's TeamViewer, any number of other partners that we have in terms of the types of collaborations. TROND: Well, I want to get into some of the use cases in a second, but just briefly, so you were founded as a company in 2016. And you're now, I guess, 140-some employees. I mean, it's fairly recent. This is not something that you've been doing since the '70s here. But on the other hand, this is also very challenging. It's not like you produce something, and all of industry immediately buys into it. So I just wanted to address that, that this particular market, even though it's always been there as this potential, there doesn't seem to have been kind of a killer application like there is in some other hardware markets. And maybe you're thinking you will be one. But I just wanted you to address this issue. Recently, the IBC the analysts came out with this prediction that they're forecasting a decline actually year over year in units sold. And they're also saying a lot of new vendors are going to come into this market, but the market is not very mature right now. What do you say to that kind of an argument? ANDREW: There's a lot to unpack there, so forgive me if I miss some of the things you brought up there. But I'd start really with RealWear and how we develop this. The Navigator 500, the product we have on the market today, is highly modular, lightweight, does all these types of things, and that's really the eighth generation. Even though we only have been around since 2016, the thinking behind this form factor has gone on for eight generations. So we've got a lot more maturity than some of the other folks who might be thinking about entering this market. We've also focused entirely from the beginning on that industrial frontline worker. It's a niche of over 2 billion people but very different from the consumer aspect and what people have gotten used to in terms of dealing with a piece of glass that they might carry in their pocket all day long. We think that A, we've kind of created this assisted reality space. We've won in so many of these industrial cases because of the way we make work safer and more productive. We've now passed applications where we've had installations over 3,500 units with a single use. We've got, in multiple cases, over 1,000 deployments. We've got 75-80 deployments of over 100 units. So we really have broken through. And what we see is whenever we talk about the assisted reality market, or we can talk more broadly, we usually only see data on augmented reality. They put all these smart glasses in sort of a category. And we're really only a portion of what they count as smart glasses. So when they start saying there's downward pressure on that market or it's not growing as fast, it goes back to something I just read in a book about builders in terms of how innovation happens. And the author described augmented reality as a solution looking for a problem. We came at it with a particular problem we were solving, and that's I think the big difference between us and a lot of how people have come into this space. We knew exactly the problem we're trying to solve. We knew that we wanted to make the human the central part of that control Nexus. And we knew that we wanted to be in a space where others would find it difficult to succeed. And so, as we've been successful here and as we continue to grow and expand these deployments and getting into larger and larger deployments, we know that others will kind of begin to look into this space and try to compete. But most of them are bridging over from that consumer side where a lot of the fundamental design trade-offs they've made do not well-support all shift use in a ruggedized environment and with the ease of use that we've designed into our products. TROND: Andrew, that makes a lot of sense to me. MID-ROLL AD: In the new book from Wiley, Augmented Lean: A Human-Centric Framework for Managing Frontline Operations, serial startup founder Dr. Natan Linder and futurist podcaster Dr. Trond Arne Undheim deliver an urgent and incisive exploration of when, how, and why to augment your workforce with technology, and how to do it in a way that scales, maintains innovation, and allows the organization to thrive. The key thing is to prioritize humans over machines. Here's what Klaus Schwab, Executive Chairman of the World Economic Forum, says about the book: "Augmented Lean is an important puzzle piece in the fourth industrial revolution." Find out more on www.augmentedlean.com, and pick up the book in a bookstore near you. TROND: Let's talk about some of these bigger deployments. So I don't know if you can mention names, but the biggest one, I'm assuming, is in the automotive industry because they are at the forefront of a lot of automation technology. So I'm just going to make that assumption. Tell me a little bit about that deployment. What is it all about? What are they using it for? What can you tell me about what they're using it for? ANDREW: Thank you, Trond. And I'm super excited about our success in the automotive sector, not only just because of what it represents but because, as an industry, it's so central to economies across the globe. And when we think about the transformation of that industry going to electrification, that change creates opportunity for us as well. So today, with our partner TeamViewer we're in over 3,500 dealerships. Virtually every dealership in America now has a RealWear product in it. For those technicians, when they're dealing with a particularly tough problem, they're able to put on our device as simple as what I'm doing here, just putting on their Navigator, their HMT-1. And they can call and connect with a technical assistance center in Detroit and have a first-person conversation with an expert who can help walk them through that repair, whether it's pushing diagrams to them to, illustrating over the video that they're getting but helping them solve that problem faster. And why is this so significant? Well, because from the customer point of view, you're happy that your problem is being solved quicker. You've got your car back. The dealer is happy because now they've been able to invoice the customer or invoice for it in this particular case to get their warranty repair dollars back. And Ford is happy because now they've got a happy customer, and they've got a better reputation and user experience. So it's a very positively reinforced system. And so when you think about that application alone of just being able to solve problems of existing cars, now think about the introduction of all of these electric vehicles to dealers, not only with Ford but anybody else you can think of is moving into electrification. There are a lot of technicians who know how to work on a gasoline engine, but very few who maybe know how to really solve those electricals. So this is a way that these dealers can bridge the skills gap that exists between what they have and what they need to be able to do in the near future. And that skills gap, by the way, is recognized not just in the automotive industry, but you and I experience it every day when we deal with restaurant industry, service industries, trucking. You think about any kind of skilled labor situation; we know demographically we've got a big gap. And that's going to be persistent for decades. And so a tool, a knowledge transfer platform that lets people move up that learning curve more rapidly to do more meaningful work, to be more self-actualized as they do that not only helps people but it helps industry serve their customers. And so we see ourselves really at the forefront of transforming work as we know it. TROND: I'm so glad you went to the skills, and it's so exciting that that's the main application right now because I think there's a lot of discussion, obviously, in the industry across sectors about the skills gap; they say, right? That the gap...we have to train people, or they have to go to school. They have to learn. It's an endless complexity. But, I mean, you're sort of saying the opposite. You're sort of saying cancel the training, put the headset on. Some of these things, very advanced training, very advanced advice, real-time support, can happen without going aside, looking at a computer, calling someone up, talking to you, you know, see you next week with your car. And then, meanwhile, what you're doing is scratching your head for a while, trying to figure out what's wrong. But you're saying this creates a much more dynamic scenario both for delivering the service and actually for the human worker who's trying to deliver some sort of service here and is plugged into an information ecosystem. I'm just wondering, is that a very, very typical use case? And do you foresee that that is the use case for assisted reality? Or are there wildly different use cases just depending on, I mean, pick another industry. I was just imagining the medical industry, famously remote surgery, or whatever it is. Some sort of assistance during surgery is obviously the big use case. I could imagine that there's something to be done here also with RealWear. ANDREW: Yeah, I mean, this is such an exciting area and topic to talk about, education, how people are educated, how that education plays to their employment and their employability, and how they add value and have careers. And we all have talked about whether university work is preparing people for the kinds of careers there are today or whether or not we need to be considering other kinds of applications, going direct to coding or whatever else. So when you talk about frontline workers, it's absolutely a matter of specific knowledge. It's not just general knowledge that matters. It's very specific things that can happen. And so by connecting people to experts, you do two things: you get the job done right away, but you also mature that worker because they learn from those experiences. And they can use our device to actually, while they're doing the work, film it. It can be curated and then used as training videos for the next generation of work that goes with it. So I think that alone is really exciting. There are so many use cases, though, beyond this, remote experts see what I see that we've been talking about. That's really...I'd say the predominant deployment today that people think about is how do I collaborate remotely on the front line? And that's super valuable. But what becomes even more interesting is when that device becomes a solution for how you do your daily work. As an example, if you're a heavy engine manufacturer and you have an end-of-line inspection, and that inspector is using a clipboard and a checklist to look at how the engine is functioning, imagine replacing that. For one of our particular customers, that takes about 30 minutes. When they implemented workflow using hands-free Navigator, they were able to reduce that time to about 12 minutes because now the person is not wasting time going back and forth to a clipboard, or to a table, or writing things down. They're absolutely hands-free, immersed in the work, being presented the next inspection point in their display, being able to photograph it, work through it, look at a comparison, document it. And the important thing is not just that they're doing it faster; they're finding three times as many defects because they're not distracted. We know there's no such thing as actually dual processing as human beings. If we think that we can listen to a Zoom call and do emails, we're doing neither very well. We know that we're just quickly switching. And that's the same thing that a lot of frontline workers experience. When you make it immersive and hands-free with workflow, now you begin to expand the value that this technology begins to support so much greater. As we move along, the implementations and the deployments are going to move from sort of this collaboration centric to workflow centric to then being able to be with our partner, IBM. IBM has actually created something they call Inspector Wearable, where they're giving a superpower inspection to an operator who might be standing at the end of an assembly line watching a car roll by. It stops in front of them. The camera knows, because of machine learning with Watson up in the cloud, that, hey, this is what a good wheel should look like and immediately highlights the operator with a telestration that's the wrong nut. There's a scratch on this rim or whatever defect we might be talking about. So then you start actually using these technologies that are inherent with the system to be able to augment the capabilities of these workers. And that starts to get really exciting. I'll add one of the points to that is in Q4, we're going to be introducing a thermal imaging camera that can easily be just snapped on on the part of our modular solution for Navigator to be able to then snap on a thermal imaging camera and give that person predator vision to be able to see if they're walking around their plant. They can see that an electrical panel is overheating or that a motor is hot, or they can use it in any of the hundreds of thermography industrial programs that people use today. So I think part of that transition goes from just being collaboration to how we work and do workflows to actually augmenting the capabilities of the folks who are wearing these wearable computers. TROND: Yeah, and that's so interesting. And, I guess, correct me if I'm wrong, but that's where it ties into not only IBM but a bunch of your other software partners too where Tulip being one of them, where now that you're providing a device, it actually is the end client that can put that device to use in their own scenarios. And they can build, I guess, apps around it and find their own use cases that may not be the ones that are super apparent to any of those who deliver it, whether it is you delivering the hardware, IBM, you know, delivering perhaps the machine learning capabilities or some other knowledge, or it is Tulip delivering kind of a frontline software platform that's adaptable. It is actually the end client that sits there and knows exactly how they want to explore it, and then in a second iteration, change that around. Or am I getting this ecosystem wrong here? ANDREW: No, I think you're onto something there very powerful, Trond. And there are three specific dots we have to connect when we think about a sustainable solution that can be deployed broad-spread across an industrial base, and the first one is the device. The device has to be right. It has to work for the user. It has to meet the requirements of the environmental conditions they're operating in. And so the device is critical. And that's really where RealWear started our journey with that focus on the user and the user experience with our device. But the next step is really the data that comes with it. That's that part where it's both accessing data and creating data through applications that they use to feed the data lakes above and to feed back into this IoT world where there's information coming up from our equipment and being fed back to us that we can take action on. And then, ultimately, we have to connect to systems of record. And this is where Tulip, for instance, one of our partners, plays such an important role. It's that connection between all of these things that talk together, the device, the data, and these decision-making systems of record, that now when they talk and connect, it's a very sticky situation. Now you've created more than just a point solution. You've created a system solution where you've changed the way people work, and you reduce friction in interacting with those systems. And I think that that's a real clear case. I'll give an example that RealWear did in a very simple way. We recently acquired a small company called Genba AI. Their whole purpose in life was to be able to take a CMMS system, which is done for maintenance purposes, and working with eMaint, which is a division of Fortive, and be able to then say, "We can take that currently operating device that requires a worker to print out a work order, go do something, and then put it back into a computer, we can now do that with voice only." So, again, you take friction out of that interaction and allow them to do things easier but with the systems of record. And so that's why I get so excited about partners like Tulip that are making and connecting the dots between all of these disparate systems that we find in fourth-generation industrial complexes and making them work together seamlessly to give information to make better decisions by the folks who manage that work. TROND: This makes me think of something that I promise we'll get back to in a second talking about the industrial metaverse, which I think is far more interesting than the consumer metaverse. And we'll get to that because you were starting with this whole ecosystem that starts to develop now. But before we get there, I just wanted you to comment a little bit on COVID, COVID-19. Massive experience; no one is untouched by this. And there clearly was a future of work dimension to it. And people have made a lot out of that and prognosticate that we will never show up in the office again, or hybrid is here forever. What did COVID do to RealWear? ANDREW: Well, you know, it's an interesting perspective. I've been with RealWear in one capacity or another since almost the beginning, starting off as a Strategic Advisor and Chairman of the Advisory Board to, stepping in as the COO during the series A, and ultimately becoming the CEO and Chairman of the board in 2020 just as COVID was happening. So a lot of that immediate experience of RealWear was at a time when the whole world was starting to shut down and realize that we had to work differently. So I literally had one meeting with my direct staff as the new CEO before Washington State was shut down. And all the rest of the year was done via remote work. So it's not a dissimilar story to what a lot of people went through in recognizing that, hey, what used to be done in the office and was deemed important to be done in the office had to now be done elsewhere. And we came quickly with this adoption of digital tools that supported this digital transformation. And what it really did was act as a catalyst because before, you could have a conversation about the value of remote collaboration software, laptop to laptop, and that sort of thing, but nobody was thinking about the front line as much. That was a really tall connection for RealWear to make. We'd go in and talk about the value of a hands-free remote connected worker. But when you suddenly had millions of displaced workers all contributing, in some cases with productivity increasing, it now said, hey, by the way, do you want to take this great hybrid environment you just created, and do you want to extend it to those important people who don't get to stay home, who don't get to dodge the risk of being exposed to COVID, who have to go out and serve the public or serve your customers? And now, if we talk about giving those people connectivity and extending that with technology that exists today using familiar platforms...RealWear runs on an Android 11 platform. That means imaginations are limitation, not technology. All those solutions we're talking about can be done in an Android environment, can be imported very quickly, and provide a solution for those users. And so it acted as a catalyst to say that remote experts at smart glasses, as it were, were here, and it was now, and this technology was ready. And the deployments took off. It probably shortened our deployment cycle. Our sales cycle probably contracted by 70% during COVID as people began to realize this is how we can get work done. This is how we can continue to serve our customers. And so it was a huge change, not only in terms of the demands that we were able to meet thanks to the great teamwork of our whole RealWear ecosystem and supply chain partners, but it also made a difference because it changed the thought processes of leaders who now realized that creating a connected worker not only was feasible, that it had a real, recognizable ROI to it. TROND: Andrew, you're really speaking to me here because eons ago, in my Ph.D., I was working on this very visionary idea back in 1999, the early internet heydays. Again, the future of work people and tech companies were saying, "We are soon unleashing the situation where no one has to come into the office. We will sit all separately on these islands and work together." So I would say I guess what has happened now is there's a greater awareness of the need for hybrid solutions meaning some people are physically there, others are not. But the powerful thing that you are enabling and demonstrating visually and physically is that remote is one thing and that it remains challenging, but it can now, in greater extent, be done. Physical presence is still really, really powerful. But what's truly powerful is the combination of which. It is the combination of physically being there and being amplified or assisted, or eventually perhaps in a fruitful way augmented but without losing touch with reality if it can be done safely. That's really the power. So there's something really interesting about that because you can talk about it all you want. You can say, well, with all the technology in the world, you know, maybe we don't want to meet each other anymore. Yeah, fine. But there's a powerful argument there that says, well if you combine the world's biggest computer, the human being, with some secondary computers, you know, AIs and RealWears and other things that have other comparative advantages, the combination of that in a factory floor setting or perhaps in other types of knowledge work is really, really hard to beat, especially if you can get it working in a team setting. I guess as you were thinking more about this as a futuristic solution, Andrew, what kind of changes does this type of technology do to teamwork? Because we've been speaking about the simple, remote expert assistance, which is sort of like one expert calling up another expert at headquarters. And then, you move into workflow, which is powerful product workflow in industry. But what about the group collaboration possible with this kind of thing? Have you seen any scenarios where multiple of these headsets are being used contemporaneously? ANDREW: Yeah, I mean, I think there's the application of not only people using them broadly in doing their work but also then being connected to a broad number of users. There's a great video that Microsoft put out when they built Microsoft Teams to run specifically on our RealWear platform. And in it, we talk about a plant where, you know, Honeywell was certifying a very large deployment technology in a plant that normally would take 40 workers to go to this facility and physically sign off all the things that need to be done for this large automation system. But using Microsoft Teams and RealWear devices, Honeywell was able to do that completely remotely. They were able to have the folks who were on site wearing the devices going through. And all of these people who would travel to it are now wherever they happen to be, in the office, at home, somewhere else, being able to see what was happening in the factory and sign off and validate the work remotely. So it's like this world where we've taken away the borders, these artificial borders between the office, not the office, and then the front line. And I think that the biggest thing that we can take away from this conversation today, Trond, is that we all probably accept that some form of hybrid work is here to stay with office workers. We've just proven over the last two years that you can work extremely productively as a remote team. And we've also validated there are times when we just got to come together from a human point of view to accomplish even more in terms of some of the cultural and emotional intelligence and teaming things that happen. But what we've also learned is that those frontline workers don't have the luxury of being somewhere other than where the value is being created on the manufacturing line, up on that cell phone tower, or in the street laying asphalt. They all have a job to do, and they have to do it in their presence. And so when we then connect those people and give them access to all of the information that we as connected workers in a hybrid environment accept and the collaboration, we find that that is a place that really brings the dignity of that frontline work up. It inherently makes them more engaged with their customer, with the job they're doing, with their peers that they can now connect to so seamlessly, and, frankly, with the company. So I think that there's a change here that's happening that's going to be about the right degree of connectivity for the job. And we'll do more of what matters based on the work that has to be accomplished. And we're just not at a place yet where robots are going to replace carbon-based computing systems that are self-replicating. That's the way NASA described people back, I think, in the '60s is a general-purpose computer that's carbon-based and self-replicating. And really, that's going to be with us for a long time. And the dignity of those people doing valuable work and helping focus on how do we make them safer and more productive in these very challenging environments? That's changing the future of work. And it's aligning more closely with this idea of, hey, being connected makes us more effective as a company, as a tribe, as a nation, whatever it is. Connectivity becomes extremely valuable. TROND: It's a big trend. And it's about time there's some justice to it. I mean, you speak with passion about this. It's almost unbelievable to me, and it should be [laughs] unbelievable to a lot of people, that we've invested billions of dollars in office software, in kind of automation for efficiency's sake. But we haven't, until this point almost, invested, certainly not the same amount of dollars and euros and yen, in human-centric technologies that are augmenting people at the same time. Because there's nothing wrong with these other technologies or if they're benefiting office workers, but as you point out, billions of workers could be enabled, knowledge workers. They just need somewhat different tools, and they're harder to make. This is not like making a desktop software program. These things have to work in a real rugged context. Andrew, thank you so much for enlightening me on the challenges and the exciting not future anymore. Andrew, it's the exciting presence of this technology in the industrial workplace, and what that bodes for the future when I guess, people see the picture and are willing to truly roll this out to every frontline worker who needs this kind of amplification. ANDREW: Well, Trond, thank you so much for having me. And I think when your listeners think and hear about AI, I know the first thing that crosses their mind is going to be this artificial intelligence, the compute power that's being built into the cloud to solve all these technical problems. But I'd like them to also begin to think about that as augmented intelligence, the way human-centric technology can make those workers better able to do the work that has to be done by people. And we're so excited to be able to talk about this. Thank you for the invitation to explore this topic. I really appreciate the chance to share some of the things that RealWear's done in this regard. And I'd love to come back next time and expand our conversation. TROND: You have just listened to another episode of the Augmented Podcast with host Trond Arne Undheim. The topic was Augmenting Workers With Wearables. Our guest was Andrew Chrostowski, Chairman and CEO of RealWear. In this conversation, we talked about industrial wearables now and in the future. My takeaway is that industrial wearables have come a long way. There is a big need for assisted reality in many workforce scenarios across industry. There are now companies taking good products to market that are rugged enough, simple enough, and advanced enough to make work simpler for industrial workers. On the other hand, we are far away from the kind of untethered multiverse that many imagine in the future, one step at a time. Thanks for listening. If you liked the show, subscribe at augmentedpodcast.co or in your preferred podcast player, and rate us with five stars. If you liked this episode, you might also like Episode 92: Emerging Interfaces for Human Augmentation. Hopefully, you'll find something awesome in these or in other episodes, and do let us know if you do so. The Augmented Podcast is created in association with Tulip, the frontline operation platform connecting people, machines, devices, and systems in a physical location. Tulip is democratizing technology but also, importantly, empowering those closest to operations to solve problems. Tulip is also hiring, and you can find Tulip at tulip.co. Please share this show with colleagues who care about where industrial tech is heading. You can find us on social media; we are Augmented Pod on LinkedIn and Twitter and Augmented Podcast on Facebook and YouTube. Augmented — industrial conversations that matter. See you next time.

This week features dread, gore and toy racecars. What fun! Max revists a classic....sorta, Tim privatizes the police force, VHS fun, animal criminals and Marc Maron being superb. Tapes And Scowls starts now! --- Support this podcast: https://anchor.fm/capesandscowls/support

Six years ago, families in Marinette and Peshtigo, Wis., got the news that would change everything, for them, and eventually the whole state. PFAS from firefighting foam produced for years at nearby Tyco Fire Products had infiltrated groundwater, creeks, streams and drinking water wells across the area. Now University of Wisconsin-Madison researchers say they've linked contamination in Lake Michigan's Green Bay to Tyco. But it's an issue that goes far beyond Green Bay. PFAS have been found in water bodies and drinking water sources across the state, including Eau Claire, La Crosse, Madison, Rhinelander, Marshfield, Manitowoc and Wausau, often near airports and airbases where training with firefighting foam has gone on for decades. While two types of PFAS chemicals called PFOA and PFOS have been phased out in the U.S. and will soon be regulated in drinking water by the EPA, there are thousands more, many of which are still widely used in all kinds of consumer products. Hear what needs to happen next to get a handle on growing PFAS contamination across Wisconsin and the world. Guests:  Dr. Christy Remucal, associate professor of civil and environmental engineering at UW-Madison. Dr. Paul Mathewson, Science Program Director, Clean Wisconsin Host: Amy Barrilleaux Background Reading Find out more about PFAS contamination in Wisconsin Read the latest PFAS Fish Consumption Advisories for Wisconsin View an interactive map of PFAS contamination sites in Wisconsin Like “State of Change”? Subscribe to State of Change on Apple Podcasts, Google Play Music, Spotify, or wherever you get your podcasts. Be sure to rate our show and give us a review. It helps other people find us. Like State of Change? Help support our podcast and our work to protect Wisconsin's environment at www.cleanwisconsin.org/donate

We're back with Season 3 and you know we gotta kick if off with this funny little guy! This week, Dee updates Al on the origins of America's most harrowing shopping date, and what it took to get Elmo up on the shelves. Plus, we declare No More Mondays with a local ad from Japan. Main Ad: https://youtu.be/gUy1_z2l4SI Local Ad: https://youtu.be/SyGfwV4FvqU Sources: https://www.adcreeps.gay/sources-1/301-tycoelmo

Cathy Veness is a Kenner and Star Wars toy legend. She worked on the 3.75” and 12” action figure lines, on characters like Yoda, Leia, and Han Solo. And George Lucas paid her the highest compliment a toy designer could receive for her work on the Ewoks plush line. A master of soft goods design, she helped create some of the most iconic pieces that Star Wars fans loved as children and collect today. And Cathy brought her unique perspective and power to innovate to many of the biggest toy companies during her 50-year career in the industry. She helped Kenner, Tyco, Playmates, Toy Biz and others successfully expand their reach in highly competitive markets. Join host David Quinn for an inspiring and insightful conversation with Cathy, as she recounts highlights from her career, including some of the most amazing Star Wars stories toy collectors will love! To Listen to the Episode on the Prototype Archives Site: https://www.prototypearchives.com/podcast Links to the Episode on Various Platforms: https://itunes.apple.com/us/podcast/star-wars-prototypes-and-production/id1448205460?mt=2 https://open.spotify.com/show/744L0XQhmpXn2AZeaxUhOZ https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5zb3VuZGNsb3VkLmNvbS91c2Vycy9zb3VuZGNsb3VkOnVzZXJzOjU2NTA4ODM3Ni9zb3VuZHMucnNz https://soundcloud.com/david-quinn-908355451/tracks https://www.podbean.com/podcast-detail/u4ywr-80960/Star-Wars-Prototypes-and-Production-Podcast https://player.fm/series/2473540 https://www.iheart.com/podcast/256-star-wars-prototypes-and-p-31050806/ https://itunes.apple.com/us/podcast/star-wars-prototypes-and-production/id1448205460?mt=

What's up, dudes? It's Thanksgiving time, so that means I've got Mike Westfall of  Advent Calendar House here with me to dive into the Dino Riders Thanksgiving episode! We use our S.T.E.P. crystal to travel back in time to 1987 to see the Valorians battle the evil Rulons on prehistoric Earth while celebrating their Day of Thanksgiving and 20,000 years of peace. Dinosaurs? Check. Reptilian overlords? Yep. Brown chaps not found on the toy? Definitely. So grab your brain box, hop on your Triceratops, and charge into this episode!Advent Calendar HouseFB: @adventcalendarhouseTwitter: @adventcalhouseIG: @adventcalendarhouseCheck us out on Facebook, Twitter, Instagram, Totally Rad Christmas Mall & Arcade, Teepublic.com, or TotallyRadChristmas.com! Later, dudes!

Diann Floyd Boehm has lived in various parts of the world. She brings her international life knowledge to the children's books and, so far, one adult book she has written. As you will find in this episode, Diann puts an incredible of amount of research and thought to everything she creates.   Diann gives a number of suggestions to anyone who might wish to write and get published. She encourages all of us to write down our stories even if we don't seek a writing career.   I hope you enjoy our talk with Diann. Who knows, you might become inspired to write and possibly even seek to get your creations published.   About the Guest:   Diann Floyd Boehm is an award-winning international author. Diann writes children's books and young adult books. In addition, Diann writes books to inspire kids to be kind, like themselves, and to "Embrace Imagination”.  You can find all her books on Amazon. Diann's Story Garden YouTube Channel gives children the opportunity to hear different children's authors read their stories. Diann is the co-host with Dr. Jacalyn on USA Global TV. Diann continues to be involved in various humanitarian projects with multiple organizations. Diann was born to the parents of George and Mabel Floyd in Tulsa, Oklahoma, but grew up in Texas with five brothers. She has traveled extensively to many parts of the world and has lived in the Philippines and Dubai. Keep in touch with Diann by joining her newsletter: www.Diannfloydboehm.com.     About the Host: Michael Hingson is a New York Times best-selling author, international lecturer, and Chief Vision Officer for accessiBe. Michael, blind since birth, survived the 9/11 attacks with the help of his guide dog Roselle. This story is the subject of his best-selling book, Thunder Dog.   Michael gives over 100 presentations around the world each year speaking to influential groups such as Exxon Mobile, AT&T, Federal Express, Scripps College, Rutgers University, Children's Hospital, and the American Red Cross just to name a few. He is an Ambassador for the National Braille Literacy Campaign for the National Federation of the Blind and also serves as Ambassador for the American Humane Association's 2012 Hero Dog Awards.   https://michaelhingson.com https://www.facebook.com/michael.hingson.author.speaker/ https://twitter.com/mhingson https://www.youtube.com/user/mhingson https://www.linkedin.com/in/michaelhingson/   accessiBe Links https://accessibe.com/ https://www.youtube.com/c/accessiBe https://www.linkedin.com/company/accessibe/mycompany/ https://www.facebook.com/accessibe/       Thanks for listening! Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page. Do you have some feedback or questions about this episode? Leave a comment in the section below!   Subscribe to the podcast If you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts or Stitcher. You can also subscribe in your favorite podcast app.   Leave us an Apple Podcasts review Ratings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts.     Transcription Notes Michael Hingson  00:00 Access Cast and accessiBe Initiative presents Unstoppable Mindset. The podcast where inclusion, diversity and the unexpected meet. Hi, I'm Michael Hingson, Chief Vision Officer for accessiBe and the author of the number one New York Times bestselling book, Thunder dog, the story of a blind man, his guide dog and the triumph of trust. Thanks for joining me on my podcast as we explore our own blinding fears of inclusion unacceptance and our resistance to change. We will discover the idea that no matter the situation, or the people we encounter, our own fears, and prejudices often are our strongest barriers to moving forward. The unstoppable mindset podcast is sponsored by accessiBe, that's a c c e s s i  capital B e. Visit www.accessibe.com to learn how you can make your website accessible for persons with disabilities. And to help make the internet fully inclusive by the year 2025. Glad you dropped by we're happy to meet you and to have you here with us.   Michael Hingson  01:20 Welcome once again to yes that's right, unstoppable mindset where inclusion diversity in the unexpected meet. Today we get to meet and talk with an award winning international author. I don't know whether she writes about internationals, whatever they are, but we'll find out. Anyway, Diann Floyd Boehm, welcome to unstoppable mindset. How are you?   Diann Floyd Boehm  01:45 Very well, thank you. International, because I've lived in several countries. And I've traveled a lot and and so the books are sold in different different countries. And I'm really proud of that.   Michael Hingson  01:57 Oh, cool. Do you publish them yourself? Or do you have a publisher?   Diann Floyd Boehm  02:02 Actually, I'm very blessed. I have two publishers see publish Shane Atacand. Canada and Texas sister press, obviously out of Texas. So How lucky is that? It took a lot to get here.   Michael Hingson  02:15 That is as good as it gets. Do the publishers war with each other? Do they care?   Diann Floyd Boehm  02:19 They are very kind to one another? So good. Yeah, that's   Michael Hingson  02:25 what was that is that is plus? How many books have you written?   Diann Floyd Boehm  02:28 I have nine books. And I have two more coming out one in the August late fall. Late summer, I should say sorry. And then in October, the second book? Oh, cool.   Michael Hingson  02:41 Well, we'll get to more of that. But why don't we start with the usual things that it's fun to hear about? And that is you growing up and so on. So where did you grow up? And do you have siblings or anything like that, or any of that sort of stuff that you'd like to tell us?   Diann Floyd Boehm  02:55 Sure. I love talking about my family. So I was born in Tulsa, Oklahoma. But as the saying goes, we got to Texas as fast as we could. Actually Oklahoma was a lovely state. And But Mom and Daddy, job wise daddy ended up in Houston. And so we moved to Texas, and I grew up in Deer Park, Texas. And later on I became Mr. Park 77 and so is a wonderful, wonderful city to grew up in. And I have five siblings, which gives me lots of insight to having five brothers and having a feel for what boys might say, especially when they were dating. And what else mama and daddy, best parents ever one could ask for hard working. I mean, we didn't get everything we wanted because you know they've six mouths to feed. But that's how you learn to appreciate life. You know, you start babysitting, if you want something or, you know you get a job at 16 so that you learn the value of the dollar. And I really appreciated all that. So how does one growing up?   Michael Hingson  04:10 So how did you get to be Miss Deer Park? How did that work out?   Diann Floyd Boehm  04:15 It was It wasn't like I was trying to do those things, meaning contests. But a neighbor that I used to babysit for Mrs. Bedford. She said she was going to be starting to Miss San Jacinto, which is a college out here are out there because I moved and what I like to be in it and I was like, no, because I'm not pretty. And then when she said, Well, they're gonna have a talent show and you can win scholarships for college, and then my ears perked up. I wanted to go to college. And when I found out that you would develop interview skills and things that can help you for the future. I latched on to that and tried to enter as many college based contests that I could, and I won a few. And I lost them even more. But that's how you learn, you need to lose. So you learn, and then improve. And developing those interview skills has helped me all through my life so far, and hence, look where I'm   Michael Hingson  05:26 at. There you go. Where do you live? Now, by the way, you said you moved? Yes.   Diann Floyd Boehm  05:31 So I mean, I've lived in a lot of places, but we've raised our children in Austin, Texas. Ah, okay. I'm in the hill country. And I love it.   Michael Hingson  05:42 So are you in Austin? Yes. Well,   Diann Floyd Boehm  05:45 I'm in the hills section in Travis County, where the hills START to begin. So it's the beginning of the hill country. So it's really, really pretty.   Michael Hingson  05:54 I haven't been in touch for a couple of years. But have you ever eaten at a restaurant in Austin called the blind goat?   Diann Floyd Boehm  06:00 If you know people are talking about that one, and I have not, but I am going to make a point to do that.   Michael Hingson  06:07 Christine ha who started that restaurant was the winner on master chefs. In I think 2011, she is blind. She's the only blind person to my knowledge, who has ever won that she beat out, I think something like 18,000 people to do it. Wow. And, and so I haven't corresponded with her for a while. But if you get a chance, I'd love to hear what you think of it. Since you're closer than we are.   Diann Floyd Boehm  06:36 I will make a point to do that. Thank you for telling me and, and kudos for her, as she must be an excellent chef. But to beat out that many people is extraordinary. And it shows you that when you want something, you don't let anything stop you.   Michael Hingson  06:55 Exactly right. So one girl and five brothers, that must have been a lot of fun.   Diann Floyd Boehm  07:02 It was a blast. And, you know, I feel very grateful to grown up in the time period that I did. I had two older brothers, and then three younger, so I had, you know, siblings that I got to change their diapers and stuff, because they're much younger than me. So they were my dollies. But it's a great learning experience. And it also made sure that I wasn't boy crazy, because I really know what boys were all about.   Michael Hingson  07:29 And I'll bet they kind of monitored you to the older ones. Especially.   Diann Floyd Boehm  07:34 Oh my gosh, do I have stories for you? About I didn't really date that much, especially in high school. And I always thought it was because I was so ugly, because my brothers would always be telling me I was fat and ugly. And of course, I believed them because they were family. Right? And, and I was one of these girls that you know, just like people said that then it must be true. So then my brother Danny told me about four years ago, he said, you know, Diane, you know how you didn't really date that much in high school? And I said, Yeah, and he goes, Well, I have a confession to make. I told the boys if they even looked at you, that I would punch him. So there you go.   Michael Hingson  08:22 elzear Er, and so your your, your husband had a gauntlet to go through? Hmm.   Diann Floyd Boehm  08:29 Oh, well, that is a funny story too. Because all my brothers were fantastic at sports. And some of them became coaches in the neighborhood and so forth. And our else they were also a coach for schools. And so along comes my husband. And they say, you know, what sport do you play? And of course, he's like, Oh, I go fishing. And I'm a third degree black belt. And I do you know, a bunch of stuff. And they're thinking, okay, that's not football, and it's not basketball. And it's not baseball. So he's Yeah, he's not going to make it in the family. And so they didn't pay attention to him anymore. And so he just kind of slid right in. But they love them. So what can I say? He's really smart.   Michael Hingson  09:24 So that worked out. Okay, well, that's a good thing. Well, so did you mostly just grow up in Texas? Or did you? When did you start to travel abroad? I guess it's probably a better way to put the question.   Diann Floyd Boehm  09:37 Sure. Yes, I grew up in Texas. And actually, when my husband became a diplomat, our first year of marriage was in Virginia. And it was my I'd always gone to Oklahoma because that's where my daddy family was. And my mom's side they had already moved to Texas. And so that was my only experience really have a Being out of Texas. So when we moved to Virginia, it was very different for me. And I remember calling my dad and just checking in as you know, kids stay with their parents, especially on Sundays. And Daddy, so my nickname was Suge with him for short for sugar. And he said, so should, how are things going? And I'm like, Daddy, you won't believe this place. It must be like living in a foreign country. Do you know they make you pay for parking, just to see your doctor. So anyway, I think that was funny. My daddy was like, Oh, you poor thing   Michael Hingson  10:40 was bad there. You should have been in New York, but go ahead.   Diann Floyd Boehm  10:44 But it was my husband, as I said, being a diplomat that took us to be able to see the world and we lived in the Philippines for three years and, you know, traveled a lot of places there, which I dearly loved, and I loved the Filipino people. And then, fast forward. He became a lawyer in Texas, and that's where we raised our kids. And then one day he received a phone call, how would you like to move to Dubai? So we moved to Dubai, and live there 14 years. And that allowed me to travel quite a bit in Europe and Africa, and parts of Asia. So I feel very blessed.   Michael Hingson  11:27 What prompted the move to Dubai. What was the reason that they called him and wanted him to do that? Because he wasn't diplomat them? Was he or   Diann Floyd Boehm  11:34 No, he wasn't. But his the law firm that he's working for at the time, Fulbright and Jaworski wanted to open up a firm there, so they purchased one, and then they opened up a new firm in Saudi Arabia, and my husband became part of that whole experience. Yeah, it was awesome.   Michael Hingson  11:56 So what was it like living in the Philippines and like living in Dubai, and like living in Virginia, as opposed to living in Texas?   Diann Floyd Boehm  12:06 It's an eye opener.   Michael Hingson  12:08 It really is. Yeah. But it is fun to live in various parts that it is fun to live in various parts of the United States, I've had the pleasure of spending years in Massachusetts and in New Jersey. And then during a project that I worked on in the mid to late 1970s, I spent time in Iowa in New York, and Colorado. So I've had, as a speaker, I've had the opportunity to travel all over the country. And it is wonderful just to see all the different kinds of experiences.   Diann Floyd Boehm  12:40 I love our country, I absolutely love the United States. And every state is so beautiful. And there's something so positive to say about each state. And I think as an American, and it's important for us to get to know the different states because each state has things that they they do that are so important that help help each one of us. And so I can't say enough. I've been in all the states, except for Hawaii, I really need to go to Hawaii. And then I need to spend a little bit more time in Wisconsin. I haven't spent enough time there. But also living in the Philippines and answer to your question. Wow, what beautiful people they are they I just love the Philippines. I love the people I was able to teach school there as well as be one of the first Americans in the the National Theatre there and be in several other musicals. And then in Dubai, how lucky to be able to be in the Middle East, get to know the people understand the customs, and meet people from all over the world. I think there's like 172 different nationalities in that country working beautifully together. And so I can't say enough about Dubai as well. And the opportunities that gave me to travel.   Michael Hingson  14:09 So when you were overseas, and then of course, when you when you move back. What did you do? So your husband was diplomatic and lawyering and what did you do?   Diann Floyd Boehm  14:19 Excellent question. Before we left I was my background is education. I was a teacher. And I was one of the there were several of us teachers who knew how to turn on a computer and a lot of people didn't. And so we helped launch, bringing computers in the classroom, discovering what software would work with different subjects for curriculum, and then I started training teachers and computers. So by the time that happened, I was traveling quite a bit around the country in the schools, which gave me a real feel for different states. And then I had to reinvent myself when we moved to Dubai. And that allowed me to do something that I always wanted to be able to do, which was humanitarian work. And so that led me to Africa where I spent a lot of time in Ethiopia, Uganda, and Kenya. So how exciting. Is that? Right?   Michael Hingson  15:21 Right. When you say humanitarian work, what did you do? I mostly   Diann Floyd Boehm  15:24 was in the orphanages helping and learning how the orphanages work to and finding out ways that I could I and people who were with me, could assist in helping the orphans have food and clothing and so forth. In Kenya and Uganda, I was predominantly in the schools, and a couple of the schools I helped do some projects where we help provide shoes, gathered shoes, took them, there was a whole process. And and another school, I ran a project, where we helped girls, if you can imagine, some girls were 14 and 15. And they never and a bra, I still get, I still get embarrassed to say things, you know, I'm modest. And that was an exciting, that was an exciting process. Another time, we ran a project where we provided dresses for the girls to have church dresses. And then for the boys, we provided some slacks. Actually, for them, they would be more long shorts. And they were made out of pillowcases, and my quilting group made all the other dresses or skirts and pants. So that was really exciting. And I had a team helping me and also bringing them to the schools.   Michael Hingson  16:59 And all of your travels, what was maybe the most scariest thing you ever had to encounter?   Diann Floyd Boehm  17:04 Gee whiz, I'd have to think, you know, I we were with people who really understood the country. And we were always with people that were our guides, and so actually never was afraid of anything. So and we went way out into the bar. Yes. I think the only time I might have was afraid when my husband decided that he wanted to take our Datsun and head for this volcano that had not erupted in many, many years. And then he decided to take a back street and this back street was not a straight and we were driving through the jungle. And I didn't know if we were ever going to get out. And experience with my husband.   Michael Hingson  17:51 So but you never really encountered bad people or or kind of difficult things like that. And in any of your travels.   Diann Floyd Boehm  17:59 No, no, I was very lucky. Well,   Michael Hingson  18:03 so you, you traveled, you came back. And when you came back from Dubai, Did you go back to teaching? Did you do more humanitarian work or what?   Diann Floyd Boehm  18:16 Well, before I left, I was already working on tape. I've always been a storyteller. And I had decided I really wanted to take my stories and put them into print. And so I was in that process. So when I was over in Dubai, I really worked hard to figure out how to make things happen. And started also taking art lessons so that maybe I could do simple illustrations for some of the books that i i now have published. And so when I came back, I became published in Dubai actually. But when I came back home, I really concentrated on writing even more books and learning this whole skill of how to be an author and the craftsmanship and so forth. And that's where I'm at. I do go to the schools as an invited author. And I like give. I mean, I just when I'm in school, in schools with kiddos, even all the way up to 12th grade, I'm in my element because I have an opportunity to let each one of them know to love themselves believe in themselves and go after it. And if I can walk away and made a difference in their life, then I'm very, very excited.   Michael Hingson  19:38 So nowadays do you write full time? Pretty much if I'm not writing?   Diann Floyd Boehm  19:41 I'm in the garden? Are I my dog? I should say my husband's and my dog. He's a cow dog. And he's a rescue. And I can tell it was my son's wife's family who found them, and they actually have a small ranch. And Remi was used to having days where he could ride around and get out to the cows. So he gets really, or she gets very excited if she gets to go on a drive. So besides walking her, she gets her daily dose of riding in the car, and she gets very   Michael Hingson  20:26 excited. What's important, you know,   Diann Floyd Boehm  20:29 yeah, I like to keep my, I love my dog. She's amazing metrics. She's just sitting right outside, waiting, like, what are you gonna do next?   Michael Hingson  20:40 Don't I get to be part of the interview?   Diann Floyd Boehm  20:42 Yeah. I've said start liking the screen.   Michael Hingson  20:47 So you started writing? And you said you actually got published in Dubai? What kind of a book was it? That you got published in Dubai?   Diann Floyd Boehm  20:57 It was Harry the Campbell a children's book. And OC publishing out of Canada. Took it online. And that was very exciting. I wanted to write a book about camel. And I'd been wanting to do it for some time. And so they published that. And then they published right away from when I was in Dubai, the series, it's a series now the little girl in the moon. And that's morphed into the moon Ling adventures. So yeah.   Michael Hingson  21:30 So how many books have you had published altogether? Now? Nine. And what kind of what kind of books are they primarily?   Diann Floyd Boehm  21:40 The majority are children's books. And then I have my very first young adult Historical fiction Based on my grandma, it's right here, Ruby, rise, girls struggle for more. And that's my grandmother on the cover. And my books are about believing in yourselves, imagination being kind to others, even if they're different. And in the case of Ryza, girls struggle for more, that particular book is to inspire people to go after your dreams. So if a girl born in 1904, where life is so so different for young men and young women, then and, and she can make her dream come true, which was to be a business woman at the time, which was not, you know, very common, especially down south. If I could say that, and at least in her area should qualify that, then you can, then you can do that, too. And that's really important to me, when schools are as big as they are, especially in high school, it's easy in junior high, it's easy to get lost. And I want kids to know that they are special. And whatever your dream is, just stay focused and be persistent. I mean, if I can do it, I feel like you can too. And I always tell the kids, look, I grew up in a small house compared to today's homes. Men, and you can imagine, you know, six kids, a mom and dad and one bathroom. But it's not about how much you have, or it's are how little you have. It's about what if you really want something? Let's map out a goal and figure out how to make it happen.   Michael Hingson  23:39 Good advice. And, you know, we, we often just allow ourselves to be diverted or we, we tend to think, oh, we can't do something and how do we how do we change that mindset with people? Obviously, you're contributing to that by writing the books that you're writing. But in general, how do we do we get people to recognize that probably, they can do a lot more than the things they could?   Diann Floyd Boehm  24:03 Yeah, that's really true. And, and I really believe that the first thing we can do is to be a good listener. So love yourself, but be a good listener. And if we could all become a better listener, and not really want to jump in and say, okay, okay, you've had your you had your say, Now, listen to me, because I really know the answers, right? That's not being a good listener. Because if you're a good listener, then you're going to be learning and figuring out how to work together. And if you have a goal of something you're wanting to do, and someone's trying to help you map those skills out, be opened to listening so that you can design the best way to make that happen. At least that's my two cents worth.   Michael Hingson  24:55 One thing that came to mind is just what's going on In our country today where no one is listening, the politicians in general aren't listening to most everyone else. And the politicians aren't listening to each other. We've lost the art of conversation and discussion and finding solutions together, it seems to me, don't you think?   Diann Floyd Boehm  25:20 Yes, I try really hard not to discuss politics very much right? On, on what you're speaking of, I can feel a little comfortable. You know, my daddy, I remember when I was young, we would be at the dinner table. And Daddy would say, this is not a good sign that people are putting out how they're going to vet the signs in the yard. And one of my brothers would be saying, Well, why is that and it goes, because it would start infighting. And I think he was right. And then he said, Oh, zip kids, that's not good. And, you know, I'd go, why daddy, and he goes, because people are gonna think their zip code and where they live is better. It's dividing us. And then all of a sudden, he was like, I don't want to fill out these circles. And you're like, well, let's circles and he's like, we're all Americans. I'm just gonna scratch this out and say, we're all Americans, you know. And I think, you know, learning these little bit of wisdoms of knowing how things changed over time, that is led us to where we are today, that I wish I could get politicians to take some listening courses, to learn how to listen to again, and not be looking for the soundbite. That's going to be the great soundbite to have on the news. It's not about sound bites, it's about running this country. It's about working together. And seeing all of us is one, and how we can make that happen. And so you have to be able to figure out compromises and the art of compromise, I'm afraid sometimes is not happening. But I don't have a magic wand to make everybody happy. But if I did, I would.   Michael Hingson  27:06 Yeah, well, that's what you're talking about is the point of my question, which is, it's all about conversation. And it's all about listening. We've lost the art of conversation. And there are a lot of reasons that we can probably point to, as to why that's occurred. But the bottom line is that we become very undisciplined when it comes to talking with each other. And there's, there's no reason that we should be in that kind of position. There's also no reason that we shouldn't be able to ask why a lot more. And of course, the answer to that, in part is why not. So we need to really get back to finding ways to interact with each other. And I don't know whether I totally go along with the zip code idea. Because we, we have, we have a postal system, and we have to deliver mail to people. And so it's all about sorting. And as we grew, we needed to create something different. But I think it's a discipline of how we deal with some of the changes that we've made, so that we don't lose that, that conversational process in companies. So many times, the bosses know all the answers, and don't listen to workers anymore. And we see a lot of that when we have discussions about business that people don't recognize that they're when they hire people. There's a lot of expertise that comes with hiring people. And there's also a divergence of opinions. The most important thing is to get the opinions to get all the data and then synthesize it in an objective way. And we just tend to lose that skill nowadays.   Diann Floyd Boehm  29:01 I could not agree with you more, and I even agree with you on the zip codes. But would you like to run for president? That would be really nice.   Michael Hingson  29:13 Oh, that would be an interesting job.   Diann Floyd Boehm  29:17 Yeah, that's a tough one. It is a tough one. You know, I remember on Sundays Mom and Daddy like to listen to some of the political shows. And of course, my husband and I always did. And I remember, Tip O'Neill was really good about sitting down and speaking with Kennedy and I thought she was why can't we have more of that today? Yeah. Yeah, so it'd be nice. Well,   Michael Hingson  29:45 going back to your books. You had mentioned something about you have a specific type font that you use and some of the books   Diann Floyd Boehm  29:53 specific font. Oh, yes, fine. Thank you for remembering that so sweet of you. Yes. So, so it's called the dyslexia font. And once I discovered this fight, now I'm putting on my books and that font, it allows everyone to be able to read my books. And what I really love about it is that it's an empowering book, but in so many ways, so kids who had to have dyslexia, which one of my nieces has, when they go into the library, they don't have to go to a special section of books that are just for them. Now they can be like everybody and find the books and go, Oh, my gosh, I can I can actually read this. And that, to me is very empowering. And very exciting.   Michael Hingson  30:47 Have you done anything to make your books accessible to people who don't necessarily read print or read print? Well,   Diann Floyd Boehm  30:54 I need to do that? No, I haven't. You know, it's, it's very expensive to be a hybrid publisher. That's our hybrid author. And so what that means is I have a publisher, but I also help invest in the publishing. And so the cost can add up quite a bit. So I still need to go for that audio books. And I wouldn't mind having my books done in Braille as well, because that would be really good.   Michael Hingson  31:25 One place to get books converted to a usable form a readable form by people who are, if you will, individuals with print disabilities, this is an organization called bookshare.org. Bookshare is an organization that will take files and convert them to electronic media, they can be converted to Braille, but people can just plain download them as well. Now, obviously, if there are a lot of illustrations, the trick is to put in descriptions of the illustrations, but for the print parts, and so on, it is an easy way to get access to the to those books for people who don't reprint. And the the point is that the copyright laws allow organization, they'll allow books to be converted for people who are not going to reprint. And the the only people who can check books out or download books from Bookshare are people who are registered and who have print disabilities. So it's, it's a protected way. So the author doesn't lose their ability to to create an income stream and so on, other than Bookshare makes the books available for people. So it's something to look at. But the publishers should really be looking at that as well, because they should want your books to be inclusive, I would think.   Diann Floyd Boehm  32:54 Absolutely. And even if they didn't, the mere fact that you told me about it makes me want to do that. Because I think that, especially my messages that I have are for everyone. And I and I also think that being able to do something like that is giving back to the world. And I'm a total believer in that. And I am so grateful for you for telling me about Bookshare.   Michael Hingson  33:21 And so definitely, definitely something to look at. Well tell me about the little girl in the moon and the moon Ling series.   Diann Floyd Boehm  33:28 Sure, I'll be happy to. So my tagline is embrace your imagination. And the moon Ling series definitely does that. So the little girl in the moon lives on the moon. And she is a mainly just like you and I are Earthlings. And you have an opportunity to discover what Moon links look like in the little girl on the moon, the first book. The next one is the little girl on the moon and the big idea. And that book is really for everybody because it's all about making kind wishes come true. And the book might how a little kid will read it. It'll be totally different how an adult reads it. So I like to say it has a lot of layering and I I truly love that book. And then it more often to the moon Ling adventures and my youngest daughter is the illustrator for that. And in the main length of Ventures we bring in the little boy in the moon and both the little girl and the little boy Moon each one of their dog days. And they take us on adventures through going to the observatory and in and on the moon. And they experience in a simulator just like we would do back home on earth and they visit different parts. So the first one was Kenya, I'll let you in for secret because no one else knows it. But you get to know about it. And your audience, and that is my daughter is working online, the main link adventures, birds around the world. And so I'm very excited about that one. And sequel. Yes, so we'll have several. And the purpose of these books is the main length of ventures, again, is how much we are alike than different. So they live in Tycho town. And taiko is the largest crater on the moon that we can see from here on Earth. And so I build in ways that science and teachers can use this for curriculum, but also again, trying to show how much America where we are in the world, how we love different animals, how we enjoy different birds. And so find the similarities that connect us so that we can have moments to just have peace and tranquility, because we're all humans, and we share this globe together. And so that's really the purpose as the home angling adventures.   Michael Hingson  36:18 So this whole thing with the modeling Adventures is fascinating. Except how do they survive up there without an atmosphere on the Moon? Hmm. Excellent. Good technical here.   Diann Floyd Boehm  36:30 Excellent question. So I actually have one where you meet Moxie, the little girl on the moon stogie, and you go on a tour of Tyco town, and you discover that as you go inside the crater, that you there's this huge bubble, and this fig bubble allows them to be able to breathe inside their town, and, and then also, the bear, they have a fake gravity going on. Because their scientists are so smart, they can figure all that out. But when they're on the actual surface of the moon, then just like our astronauts, they even the doggies have special shoes that keep them grounded. And so I that's how I worked it all out. And I even have a whole back story about that, that one day, I'll come out. And   Michael Hingson  37:31 well, the only problem was living on the moon, that's my discomfort with living on the Moon is without an atmosphere, they must get bombarded by a whole lot more meteors than then we get hit with. Yes, those rocks come from anywhere.   Diann Floyd Boehm  37:47 That's true. But to enter a Tai Chi town, you actually have to press this one little rock that's on the surface. And you enter this inside the cavity of the moon. And so it's a whole new world, because your imagination?   Michael Hingson  38:05 Well, sure, well, there's there's nothing wrong with that. It's just that you do have to deal with the meteors and all that and, you know,   Diann Floyd Boehm  38:15 not having your inside, not appear inside   Michael Hingson  38:17 know that I understand. But it's been on the. And of course, if the meteors hit the bubble, does that get noisy? So there's another question for you to explore,   Diann Floyd Boehm  38:26 I will have to explore that. So much I will. I love it because you're getting my imagination going. But I also have this book card, a song of peace. And it's about a little boy named Tommy. And he just wants peace on earth. And there's a twist to it at the end. Because a lot of books are written about peace. So I have a fun, unique little twist to it. And it just won a couple awards. And so I'm very proud of it. And right now, with everything going on. One thing we could do is everybody take a deep breath and just say the word piece over and over and over and put it out there.   Michael Hingson  39:12 Which goes back to what we talked about earlier with conversations and listening. Yes, it sure does. What kind of research or how do you do research for your books, I'm assuming just by listening to you that a lot of thought and research goes into what you do.   Diann Floyd Boehm  39:27 Thank you. So the children's books they come to me and I'm inspired when it comes to the moon Ling adventures. Yes, I do a lot of research I needed to really study birds and where they fly and when they're migrating and if what where they migrate so I can show and teach the unity. So for example, the Dover bird it is in in Dubai I, but it also flies to several other countries migrates into the United States and to South America, and parts of Europe. And that makes it fun because again, it shows commonalities between the countries. And I always like to say rude because it was about my grandma but and rise of girls struggle for more, oh, my stars, I can't even begin to tell you how much more admiration I have for historical fiction writers. Because years of studying goes into making, making sure you have the voice, right for that time period that you actually have the facts correct about the settings and so forth. And I actually wish I can wake my grandma up from heaven and say, Grandma, you didn't yet a lot of other things you should have told me. It was because the 1920s is fascinating.   Michael Hingson  41:04 Oh, it is. And we, we talk about how in our world, we've advanced so much, and so on. But we forget a lot of the lessons that we could learn from before we and I put the term in quotes advanced so far.   Diann Floyd Boehm  41:20 Yes. You're absolutely right. And we repeat so many things. And so if we could just take a deep breath, especially you politicians, and listen to people have lived a little longer and and learn from that and learn from mistakes and history so that we don't repeat, it would be quite lovely. Right?   Michael Hingson  41:43 So do you hear a lot from other authors and readers and so on? How do you interact with them? And they must give you ideas and things to think about as well?   Diann Floyd Boehm  41:54 Thank you for the question. So I've joined several author groups, and I am always learning from them. And I appreciate so much from seasoned authors. Because, again, I was an excellent classroom teacher. And I want to be an excellent author. And the only way to do that is to learn from the seasoned authors. So I really appreciate it. And I have a publicist. Now, like I didn't even know that authors could have publicist. And so actually, that's how I met you. So kudos to my publisher, making that decision. And he is teaching me a lot as well. I am a young author in the sense of having things published. And so I have a huge learning curve. But that's okay. Cuz that means when I'm out there, especially with students, they get a kick out of me saying, I'm on a learning curve, too. So let's learn together.   Michael Hingson  42:59 Tell us about some of your speaking, trips to classes and so on. What does that been like?   Diann Floyd Boehm  43:05 Um, it depends on what country I'm in. Because that really makes a difference in the culture and how you dress and so forth. So if I was in Saudi Arabia, then, you know, I wear a baya. And I always believe that no matter what country you're in, you respect and follow their laws and their rules. And I had the opportunity. And I feel very blessed to be at a British school several times in Saudi Arabia. I spent her week there, and was with kiddos from elementary up through middle school, and then only was I in their classrooms had opportunities to teach some of them privately creative writing, read their writings have one on one conversations. But also, the principals at each school were incredible. They gave time off, I don't know how they figured it out. But where I would have all the teachers in the auditorium and they could pick my brains. And that was really exciting. And as a matter of fact, a couple of them have are now published authors because of their experience there. So I feel very lucky. In America, I've been in many classrooms. And of course, since I understand the American system, I can you know, I'm like, you know, it's like, yeah, I understand everything going on. What what is it that you want me to do? What is the outcome because I don't do a canned presentation. I want to hear what is it you want to take away to be? And when I hear what that takeaway is, then I design a program for them. I have them go over it to make sure it is exactly what they want. And then we go from there. So it can be from working with young children all the way up to. So far it's been ninth grade. And where we've done creative writing projects together. It's for   Michael Hingson  45:15 you. It's really, I think, important to not do canned speeches, I was talking with someone else about this recently. And I think that the best speakers are speakers who learn about their audiences, and who are even capable during the speech, of when necessary, making a course correction or whatever, to make sure that we're connecting with the audience, and engaging the audience. And so as I put it, I love to talk with audiences. I never like to talk to an audience, no matter their age.   Diann Floyd Boehm  45:52 I love that phrase speaking with not to, absolutely. And besides, you get energy from that, because, you know, they're listening and engaging in what you're saying. And so when they ask you a question, you're like, Oh, I didn't even really think of that. But your brain gives you an answer. It's very exciting. I actually sock away full of energy.   Michael Hingson  46:16 That's really a good point that when you open opportunities for questions, you never know what kind of questions you're gonna get, especially with little kids. And I learn more from answering questions, especially from kids, because they're not shy, generally speaking. And they're very curious. And it's fun to have real conversations, and they tend to respect you more, when you're conversing with them, not just lecturing. Even when you're answering a question, if your lecturer as opposed to talking with, they know the difference?   Diann Floyd Boehm  46:57 Absolutely. I just recently, because of COVID, there was no in person. But now some of the schools are opening up and I was at this beautiful girl school. And the young girls had very direct questions. And sometimes instead of just answering the question directly, I would give examples of my own childhood because I wanted them to understand that I actually knew and understood what it was like to be a little girl, or to be a preteen. And then from there answer the question in the smiles that went on their faces with the question because they knew I was really trying hard for them. To know. I understand. Did that make sense?   Michael Hingson  47:44 Yeah, you they knew you got it? Because you remember living it yourself.   Diann Floyd Boehm  47:50 And when people see you as an adult, sometimes they can't even your own children. Imagine you live like what you were little Are you kidding me? I bet you couldn't relate to the world.   Michael Hingson  48:02 You know, and from my perspective, as a speaker, I'm not happy unless I go away from an event learning more than I'm able to impart. And I can tell when that happens. When I get great, engaging questions, when I get an opportunity to interact before and after the event, and all the things that are occur, it is so much fun, to be able to have lots of takeaways as a speaker, so it's it's sharing knowledge and information, not just imparting knowledge and information.   Diann Floyd Boehm  48:41 Oh, you are so right sharing. And then you just you're you're so excited and jittery that you know you just like I need a Diet Coke. And Coca Cola didn't pay me to say that.   Michael Hingson  48:55 Yeah, well, so I understand. Time for something new. Yes, yeah. Well, what's on the horizon? Book wise? I know you're talking about one sequel coming up. But what's, what's next in terms of projects and so on for you?   Diann Floyd Boehm  49:09 Sure. So I am working on the sequel to rise the girls struggle for more. It'll be a good while before this out, because I just now finished the research. And so I've mapped out how it's going to go   Michael Hingson  49:23 at least you're going to be on the moon will be on the moon again. No, this   Diann Floyd Boehm  49:27 is a young adult historical fiction, the moon when I just shared the main link of venture birds around the world. And August I have coming out a time to fly and I'm supercharged about that one. It's all about a little birdie who doesn't want to leave this nest and his mama helps him get the courage to fly. And I think that is something that will every person can relate to it In US adults remembering there was a time that we were afraid to open that door. And, and so yeah, I'm really excited about that. And then in October, it's Charlie and the tire swing. And that's been on the back burner for some time. So, so excited it made it through up to the top list for the publisher to say it's time to do that one. And that'll morph and to Charlie and the tire swing adventures, so but this first one is all about how Charlie got the tire swing. And I'm really, really, both of them I'm just thrilled about and each have a different space in my heart for what they share and do.   Michael Hingson  50:45 What's your favorite character that you've created? Or that that has invaded your psyche that has come out in books?   Diann Floyd Boehm  50:51 Oh, gosh, that's really tough, because I love how my characters are also special. But I would say, goodness, I actually, I love Harry the camel, because he's all about he didn't like himself. And, and you learn all the reasons why. And but in the end, he discovers there's nothing better than being who you are. And so Harry has a real special place in my heart, because I want young people of all ages to know that they're important. And they should love themselves. And I say should but I mean actually mean, I, I want them to fill in their heart to love themselves. Because once you love yourself, you can you can accomplish things. And so I guess if I had to say someone, it would be hairy.   Michael Hingson  51:42 When you said that you just finished research for which book   Diann Floyd Boehm  51:45 rise a girl struggle for more, it'll be version two, it doesn't have a title yet. So I'm excited about that. Because it's based on my grandma's life. As I said earlier, it's continuing on to show once you're in the workforce, what it was like for the women in the 1920s. But it's set in such a way it takes place in Chicago. And it's a real eye opener for what life was like, everyone always just thinks I shouldn't say everyone, but most people think the 1920s was all about the Charleston and so forth. But there was more to that. And you actually start discovering. And there's a real parallel to us right now to in our time world, because you're starting to see the little tiny cracks that lead to hunger, and people losing their jobs, because they don't have the money to go and purchase different things. So I think it'll be a good learning experience and lots of levels. And a fun read.   Michael Hingson  52:55 And of course, of course, in the scheme of life, in Chicago, in the rest of the country in 1929, we had the stock market crash, which led to the depression, which is of course, a continuation of what can probably be a very fascinating story, how to get through all of that.   Diann Floyd Boehm  53:14 That's true. Luckily, for me, it will end before that happens. But yeah, it'll lead it'll lead right up to that. And, you know, I wish I would have been a better student in high school because I truly find history so fascinating. And I appreciate it so much more   Michael Hingson  53:33 much research left for you to do. Yeah.   Diann Floyd Boehm  53:37 So much research.   Michael Hingson  53:39 Well, what so when your downtime you you garden, you say and you have a cattle dog, and that keeps you busy. What other kinds of things do you do?   Diann Floyd Boehm  53:51 I enjoy singing. And when I was in Dubai, I was in popular productions, which is a part of the West End. So I was in musicals, and I have to get back to that again, because I do love singing. And I started taking piano lessons. And I don't know I just love doing everything since it's summertime. Now I go outside and guess swimming in our pool. And mostly I just like to look at the clouds and sing.   Michael Hingson  54:22 Well what kind of advice would you give to somebody who's interested in possibly being an author or wants to take up this kind of work?   Diann Floyd Boehm  54:31 Sure. Right. You don't have to be published. Just know right now, the moment you write something down, you are published because you've written in finder's space or your favorite couch. favorite chair, even if it's just you just have one room, find one space that you want to say that's my holy ground. That's where imaginations gonna come. And just write just Write whatever comes to you. And maybe it's like, Oh, I love zebras today, just write different things down, and then just start creating stories. Your first stories are not going to be your best. It but the stories that just keep coming and coming will end up being, you'll just become better and better. And when time is right, you'll know when it's time to go for it. And you're so lucky today, because there's so many ways that you can be an independent author, blurb, for example, allows you to get your to design your whole book, get it going. There's a lot of different places like that, but just believe you can do it, and it will happen.   Michael Hingson  55:48 And that's as good as it gets. And it's great advice. And we have to start somewhere, right. And the fact is, I think all of us have stories, and we should tell the stories.   Diann Floyd Boehm  55:59 Absolutely. We're all storytellers. The moment someone says How is your day and you go, Oh, my gosh, it was horrible. I should have seen what happened today are two stories. It was such a lovely day. I met so and so it's a story. And it's to be told. And even if the first thing you write about are the stories from your childhood, those stories can be morphed into other stories. And so we are storytellers, you are absolutely right.   Michael Hingson  56:31 If people want to reach out to you and get a hold of you, how would they do that?   56:36 Sure. So the easiest way is just to go to my website, DiannFloydBoehm.com. Now I'm gonna spell it because it s D for dog. I A N a Nancy N F, L O Y D. B as in boy. O E H M.com. Diann Floyd Boehm.com. It looks like Diann Floyd bohem. But we pronounce it by Boehm   Michael Hingson  57:09 that's all right, my screen reader pronounces it bone. So there you go.   Diann Floyd Boehm  57:14 Yeah, it's my husband's name. I adopted it when I got married. Well,   Michael Hingson  57:19 I figured it was something like that. And then I spelled it, but I'm glad that you pronounced it. So Diane, Floyd boehm.com. And people can reach out and read things there. And they can contact you and so on as well.   Diann Floyd Boehm  57:32 Yes, they may. And they can sign up for my newsletter. And all my books are on Amazon, Barnes and Noble. And you can order them through your local bookstores.   Michael Hingson  57:42 Well, on some time, we'll have to talk about how accessible your website is and how to fix that, which is, of course, one of the things that I get to do being part of this company excessively. But that's another story.   Diann Floyd Boehm  57:53 I definitely want to talk to you about that. That would be awesome,   Michael Hingson  57:57 easy to do. So we will do that. Well, I want to I want to thank everyone for joining us today. I hope that you enjoyed our time with Diane, and that you will reach out to her. As I always say you are welcome to reach out to me, I'd love to know what you think you can reach me at Michaelhi at accessibe.com. And that's M I C H A E L H I  at A C C E S S I B E.com. Or you can go to our podcast page, which is www dot Michael hingson.com/podcast and Michael Hingson is M I C H A E L H I N G S O N just like it sounds even. So if I don't like beam yet correct, but I hope that you will reach out. We'd love to hear from you love your thoughts. If you'd like to be a guest, please reach out and let us know. If you know people who you think ought to be guests on our podcast. We'd love to hear from you about them or hear from them. Feel free to let us know about them as well. And of course, when you listen to this, please give us a five star rating. We appreciate your comments and ratings and suggestions and take them all to heart. So Diann once again. Thanks very much for joining us on unstoppable mindset.   Diann Floyd Boehm  59:13 It was my pleasure and honor thank you   Michael Hingson  59:20   You have been listening to the Unstoppable Mindset podcast. Thanks for dropping by. I hope that you'll join us again next week, and in future weeks for upcoming episodes. To subscribe to our podcast and to learn about upcoming episodes, please visit www dot Michael hingson.com slash podcast. Michael Hingson is spelled m i c h a e l h i n g s o n. While you're on the site., please use the form there to recommend people who we ought to interview in upcoming editions of the show. And also, we ask you and urge you to invite your friends to join us in the future. If you know of any one or any organization needing a speaker for an event, please email me at speaker at Michael hingson.com. I appreciate it very much. To learn more about the concept of blinded by fear, please visit www dot Michael hingson.com forward slash blinded by fear and while you're there, feel free to pick up a copy of my free eBook entitled blinded by fear. The unstoppable mindset podcast is provided by access cast an initiative of accessiBe and is sponsored by accessiBe. Please visit www.accessibe.com. accessiBe is spelled a c c e s s i b e. There you can learn all about how you can make your website inclusive for all persons with disabilities and how you can help make the internet fully inclusive by 2025. Thanks again for listening. Please come back and visit us again next week.

“To look inwards a little bit more and expand the attributes that I really get a lot of benefits from.” - Adan SierraLionfield Capital's mission is to acquire an outstanding American enterprise and build upon the owner's legacy and continue providing its existing employees with opportunities to prosper.Our covenant with you is to offer a professional, pain-free, and expedient selling process.Managing partner at Lionfield Capital (www.lionfieldcap.com), a private investment firm based out of Miami, FL. Lionfield Capital is a traditional searchfund with ~20 investors comprised of institutional funds, family offices and high-net worth individuals.Adan SierraPrior to Lionfield, I was a Managing Director at Seale (www.sealeassociates.com), a middle-market investment bank based out Washington, D.C. executing a wide array of m&a mandates throughout the U.S. and Latin America for multinationals, private equity firms and family-owned businesses. Throughout my time at Seale, I worked in several dozens of divestitures, acquisitions and varied corporate finance mandates and closed on ~US$3 billion in transactions in different sectors working for companies such as Coca-Cola Femsa, Cemex, and Tyco, to name a few.Prior to Seale, I worked in the financial services practice at PwC, and served as interim CFO for Western Technologies Inc – both roles in their Mexico offices.  MBA at NorthOur fund is backed by high-caliber institutional investors and highly successful executives, and is managed by values-based leaders with a history of overcoming challenges through hard-work, resilience, initiative, collaboration and our signature principles.Rodrigo Zuloaga is a managing partner at Lionfield Capital (www.lionfieldcap.com), a private investment firm based out of Miami, FL. Lionfield Capital is a traditional search fund with ~20 investors comprised of institutional funds, family offices and high-net worth individuals.Prior to Lionfield, I was a Principal at Kapok Management, a firm I co-founded to provide consulting and advisory services to small business owners looking to improve processes, grow their business, raise capital, restructure their business or prepare it for a liquidity event.Prior to Kapok I was the Finance Director at Grupociencia, a distributor of high-tech medical devices with operations in 6 countries across Latin America. At this position I led high-impact teams, managed rapid growth, developed and executed corporate strategy, optimized processes and participated in different m&a buy- and sell-side transactions.MBA at Northwestern Kellogg; B.A. Finance and Business Administration at Bentley University. Rodrigo grew up in Venezuela and Switzerland, and always had a bug for entrepreneurship.Click here to subscribe to The Sell My Business Podcast to save time and effort.SELECTED LINKS FOR THIS EPISODErzuloaga@lionfieldcap.comasierra@lionfieldcap.comLionfield CapitalAdan Sierra - Managing Partner - Lionfield Capital | LinkedInThe Deep Wealth Sell My Business PodcastCockroach Startups: What You Need To Know To Succeed And ProsperFREE Deep Wealth eBook on Why You Suck At Selling Your Business And What You Can Do About It (Today)Book Your FREE Deep Wealth Strategy Call

This week we do a deep dive into The Incredible Crash Dummies from Tyco. We are also joined this week from good friend of the show Steve Hoeker. We also discuss what has us excited and what we are finding on the pegs! @TBToycast https://whatamaneuver.net/collections/tb-toycast --- Send in a voice message: https://anchor.fm/the-tb-toycast/message

Today's guest is Chris Brown, Chief Commercial Officer at Jensen Hughes.  Key Takeaways Chris 's Background Cornell University  Board member of the Bucks County Children's Museum BucksKids.Org Started in Software and Information Technology Career evolved through sales, product management and marketing.  Exposed to Fire Protection Industry at Tyco.  Wanted to be an architect, was fascinated by the built environment.  Chief Commercial Officer Focus is on the growth side of the business. Sales, marketing & strategy.  Promote thought leadership, new opportunities with clients, consulting.  By growing the business, the fulfill their mission to make the world more secure safe and resilient.  Jensen Hughes Digital Group Software products to identify areas of risk and hazard. Deliver software to clients.  Emergence of smart buildings.  Leverage technology.  Generating Insights for Clients What's going on with design decisions? What implications do building materials have on code compliance?  Bring perspective to help think forward about designing facilities to make the safest decisions to survive several decades.  Jensen Hughes  Over 1500 engineers. Experts that understand building materials and the work they do in the lab Teamwork atmosphere Scientists and engineers teaching others. About Chris Specialties: General Management / P&L management, sales & marketing leadership, business strategy and transformation, business development, mergers & acquisitions, acquisition integration, product management, start-ups, turnarounds, lean / Six Sigma https://www.linkedin.com/in/chrisbrownprofile/ (Chris on LinkedIn) About Jensen Hughes THE GLOBAL LEADER IN ENGINEERING, CONSULTING AND TECHNOLOGY MAKING OUR WORLD SAFE, SECURE + RESILIENT Since 1939, we have dedicated ourselves to fire protection engineering, initially in the United States and now worldwide. Today, our expertise, commitment and passion extend across additional domains —including accessibility consulting, risk and hazard analysis, process  safety, forensic investigations, security risk and emergency management as well as digital innovation across many of our services. https://www.jensenhughes.com (https://www.jensenhughes.com) About STI Firestop Since 1990 Specified Technologies, Inc. (STI) is a global leader in the firestopping industry. The company manufactures a wide array of products and technologies to provide passive fire protection. Headquartered in Somerville, NJ, STI has sales offices all over the globe. STI Marine is a Division of STI that specializes in marine fire protection in the cruise line, offshore oil and gas, and general maritime industry. STI Marine's product line consists of a full range of products used for penetration seals and cable transits in fire-rated bulkheads and decks, including water-tight firestop sealants, firestop collars for plastic piping, and an innovative cable transit device. All products comply with the IMO FTP Code and are subject to various Type Approvals include MED, DNV GL, Lloyds Register, ABS, USCG, BV, RINA and more… https://www.stifirestop.com (https://www.stifirestop.com)

Join Mike Cavaggioni with Bryce McKinley on the 107th episode of the Average Joe Finances Podcast as he shares his amazing story in Real Estate Investing. Bryce is a testament to what it means to get back up after you've been knocked down... and more than once!In this episode, you'll learn:How growing up in a bad neighborhood can build characterHow hustle and determination can overcome limiting beliefsAbout Bryce's setbacks didn't hold him backThe importance of believing in yourselfAnd so much more!About Bryce McKinley:Bryce McKinley is on a mission to change the game in Real Estate Investing.  There's so much opportunity out there for everyone but the industry is riddled with fake experts sharing ineffective information.  After being involved in over 10,000 transactions, Bryce has developed the expertise to know exactly what it takes to go from the first conversation to closed deal faster than anyone else. Bryce McKinley has been globally recognized as a top 5 Sales Trainer, Motivational speaker, and an independent consultant for business including Fortune 500 Companies such as Ford, Nissan, Tyco, and ADT. He started his journey with nothing, making his first deals living out of his car and has taken that drive to help hundreds of people change their life through wholesaling properties all across the country.  This beginning has kept him humble and understanding that everyone deserves a chance to create the life they want.Find Bryce McKinley on: Website: www.5hourflip.comFacebook: www.facebook.com/REIResultsCoachInstagram: www.instagram.com/coachsharpenYouTube: https://www.youtube.com/c/BryceMcKinleyAverage Joe Finances®Our social media links can be found here: www.averagejoefinances.com/linksCheck out: www.averagejoefinances.comBuying or Selling a House? www.averagejoefinances.com/realtorUse the same Audio/Video Editing Team that I use: www.editpods.comPodcast Book I'm in: www.averagejoefinances.com/daniel-larsonAutomate your Shopping Experience with Instacart: www.averagejoefinances.com/instacartPay Off Your Mortgage in 5-7 Years: www.theshredmethod.com/averagejoefinancesMake Real Estate Investing Easier with DealMachine: www.averagejoefinances.com/dealmachineFree Stocks:Robinhood: www.averagejoefinances.com/robinhoodWebull: www.averagejoefinances.com/webull Consolidate debt: www.averagejoefinances.com/sofi-loans/Get Life Insurance: www.averagejoefinances.com/ladderAverage Joe Finances Swag: www.averagejoefinances.com/resources/shop *DISCLAIMER* https://averagejoefinances.com/disclaimer If you are interested in writing for Average Joe Finances or joining us for an interview on the podcast, please visit https://averagejoefinances.com/contactSee our episode transcripts here: www.averagejoefinancespod.com/episodes/Employee Survival Guide®A Podcast only for employees. Mark shares information your employer does not want you knowListen on: Apple Podcasts Spotify The Better Bookkeeper PodcastBecome more confident as a bookkeeping professional by getting a deeper understanding...Listen on: Apple Podcasts SpotifySupport the show

Being able to do a five hour flip in real estate sounds so impossible to many, but once you've mastered the process, you can actually do it that quick from start to finish! Do you want to learn what process that is? Join us today as our guest shares what you need to do to achieve that five hour flip! Bryce McKinley has been selling since he was eight years old. He has been globally recognized as a top 5 Sales Trainer, Motivational Speaker, and an Independent Consultant for business including Fortune 500 companies such as Ford, Nissan, Tyco, and ADT. In this episode, Bryce shares his book's main points as he shares tips – specifically focusing on the two-fold process consisting of seven and five steps, respectively – on how to do that five-hour flip in real estate. Checkout -- Raising Capital Without Rejection Full-Day Workshop (Online): https://investorattractionworkshop.com/ What you'll learn in just 23 minutes from today's episode: Get a short but on-point summary of what the book The Five Hour Flip is all about; Find out what steps are there in the two-fold process of achieving a five-hour flip; and Discover what the acronyms FORM and RAQ stand for and understand why these two play a complementary role with the steps Resources/Links: Grab a copy of the “5 Step Process to Flip Real Estate Deals With 5 Hours of Work” e-book. Go to https://5hourflip.com/ebook1 Topics Covered: 01:14 – Two processes on how to do a flip in five hours, as stated in Bryce's book, The Five Hour Flip 02:12 – The 7-step process when doing a wholesale deal/flipping 08:31 – First two steps on how to have effective conversations and marketing; what FORM is all about 15:41 – Third step of the five-step process of mastering conversations 17:53 – The five-step process' fourth step; what the RAQ acronym stands for 20:44 – What is step number five? 22:13 – Visit their website: https://5HourFlip.com Key Takeaways: "It takes more than five hours, but when you hone in and master the process, it can really only be five hours from start to finish.” – Bryce McKinley “The number one problem that people have is two-fold – (1) They just don't hire a coach, and (2) they tend not to trust the process.” – Bryce McKinley “I don't recommend having a massive CRM and a massive direct mail. When you're first starting out, running lean and running fast is the best way to the money, then taking that money and investing it back in.” – Bryce McKinley “People make it so much more difficult than what it is. Sure, there's micro-processes on each step, but if you understand the flow of the deal and the process, all of those other things, you just learn with time and repetition.” – Bryce McKinley “That one standalone Motivation or Money will never be truly solved if you don't know what is FOR.” – Bryce McKinley “I don't believe that people will always do business with people they know, like, and trust. They do business with people they know, they like, or trust, but they always do business with people that have a similar belief system. When they know that you care, they will care about what you know.” – Bryce McKinley “It's not what you say; it's how you say it.” – Bryce McKinley Connect with Bryce McKinley: Website: https://5HourFlip.com Facebook: https://www.facebook.com/CoachSharpen Instagram: https://www.instagram.com/coachsharpen/ Connect with Dave Dubeau: Podcast: http://www.propertyprofitspodcast.com/ Website: https://davedubeau.com/home Investor Attraction Workshop: http://www.investorattractionworkshop.com/ Facebook: https://www.facebook.com/thedavedubeau LinkedIn: http://linkedin.com/in/davedubeau  

Key Takeaways Luke's Background Attended Worcester Polytechnic Institute  Time on the football team helped develop skills needed in the professional world.  Studied mechanical engineering System design engineer at Kidde-Fenwal, assessing explosion risk Went to Tyco and worked on the suppression side of the business Introduced to the lab and fire testing Patents  Developed and patented a mist fire protection system  Use less water than sprinkler  Joined business development role at Tyco as the first engineer brought it.  Combining education with the know-how to help people.  Conquest Firespray On the passive side of the Fire Protection Industry  Fire Rated Ventilation Systems  Flamebar Flamebar Engineering product first, duct work product second  2 levels of protection, fire outside & fire inside  Always meets code requirements for whole range of tested sizes Always going to be the most cost effective   http://www.linkedin.com/in/lukeconnery (Luke on LinkedIn) About Conquest Firespray Conquest Firespray markets Flamebar fire rated architectural and engineered solutions to contractors, engineers and architects. Conquest Firespray is affiliated with Conquest Manufacturing, a company that has been serving HVAC mechanical and sheet metal contractors since 1998. Conquest fabricates rectangular and spiral duct, and applies coatings in its large U/L certified facility. The company manufactures in two locations totaling 125,000 square feet. Conquest headquarters is located in Warren, Michigan. Our experienced staff is project oriented and brings a field perspective to project support services. We bring extensive technical experience in fire safety, general and mechanical contracting, from pre-construction conceptual and guidance planning through field construction to completion. Our project support platforms are fully integrated, offering direct data exchange from estimating through detailing, to manufacturing and delivery. Superior control processes assure timely, accurate material supply services. Our experience ranges from new automotive plants to mega malls to laboratories, hospitals and university projects. https://www.conquest-firespray.com (https://www.conquest-firespray.com) About STI Firestop Since 1990 Specified Technologies, Inc. (STI) is a global leader in the firestopping industry. The company manufactures a wide array of products and technologies to provide passive fire protection. Headquartered in Somerville, NJ, STI has sales offices all over the globe. STI Marine is a Division of STI that specializes in marine fire protection in the cruise line, offshore oil and gas, and general maritime industry. STI Marine's product line consists of a full range of products used for penetration seals and cable transits in fire-rated bulkheads and decks, including water-tight firestop sealants, firestop collars for plastic piping, and an innovative cable transit device. All products comply with the IMO FTP Code and are subject to various Type Approvals include MED, DNV GL, Lloyds Register, ABS, USCG, BV, RINA and more… https://www.stifirestop.com (https://www.stifirestop.com)

Bull and Bear Market Update for May 23, 2022If you pay any attention to the news, especially the financial news, you're seeing a lot of stories with headlines that are designed to create panic. Sometimes they actually work. The #Fed is always a source for headlines because they have the power to turn a #Bull Market into a #Bear Market with one policy decision. The Fed has done spoken and the markets have reacted the way the Fed wanted the markets to react - and much more, IMO. Daily ReflectionsEveryday, I read at least 20 financial stories from a number of sources. Sometimes I just stumble on something that catches my attention (that's never a good way to be informed). Below is a story that caught my attention today from CNN. I'm a huge "NOT a fan" of CNN but I wanted to like this story even though my advice is don't trust anything you get from CNN. Nonetheless, I'm adding this story to my 2022 Market Watch Wiki so I can quickly share it with a client or an investor who may be momentarily gripped by fear. And, yes, I'm occasionally one of those investors myself because I hate losing money and I double hate losing money for my clients.3 Charts Say Don't PanicMarkets are down, but these charts explain why investors shouldn't panic, even if they feel like a #Bear Market is imminent.From CNN Business May 23, 2022 — What goes up must come down, and what goes #bull must go #bear. The conventional wisdom is that a bit of market madness is inevitable, cyclical and should give investors a potential buying opportunity. But unfortunately this downswing doesn't appear to be the devil we know. Markets are contending with inflation rates at 40-year highs, Russia's invasion of Ukraine, supply chain kinks and food shortages, rising interest rates, widespread predictions of a recession and former Fed leaders openly questioning the actions of the current regime. Even the investors themselves are different. Covid-era stimulus checks, elevated unemployment and trading platforms aimed at young generations introduced a whole new group of up-and-coming traders to markets. About 20 million people started investing in the past two years. A 2021 survey by Schwab found that 15% of all US stock market investors said they first began investing in 2020. #FactoidThese market players have never been through a period of high inflation and high interest rates, and the sudden change in the economic environment is adding to market turbulence, said Leo Grohowski, chief investment officer at BNY Mellon Wealth Management. "What we're seeing is a weeding out of investors that were flushed with liquidity. They bought first and asked questions with meme stocks, SPACs, NFTs, there was a lot of what I call indiscriminate buying. And now we're seeing some indiscriminate selling," he said. Most investors are not prepared for this trading environment, Joshua Brown, co-founder and CEO of Ritholtz Wealth Management, said in a recent blog post. "This is one of the most treacherous environments I have ever seen, and I traded during the dot com meltdown, 9/11, Enron and Tyco and WorldCom and Lehman," and a host of other crises.As Berkshire Hathaway's Charlie Munger said during the company's recent shareholder meeting, the stock market has become "almost a mania of speculation." He added that "we've got people who know nothing about stocks, being advised by stockbrokers who know even...

Bryce McKinley is on a mission to change the game in Real Estate Investing. There's so much opportunity out there for everyone but the industry is riddled with fake experts sharing ineffective information. After being involved in over 10,000 transactions, Bryce has developed the expertise to know exactly what it takes to go from the first conversation to closed deal faster than anyone else. Bryce McKinley has been globally recognized as a top 5 Sales Trainer, Motivational speaker, and an independent consultant for business including Fortune 500 Companies such as Ford, Nissan, Tyco, and ADT. McKinley has been selling since he was eight years old, which has allowed him to become a master closer. He started his journey with nothing, making his first deals living out of his car and has taken that drive to help hundreds of people change their life through wholesaling properties all across the country. This beginning has kept him humble and understanding that everyone deserves a chance to create the life they want. He is now the CEO of Sharpen, a non-profit based in Dallas, Tx. that caters to the needs of the homeless community by way of love and theological principles. But he doesn't just hang his hat on that, Bryce still owns and runs, EveryHouse a successful Real Estate Investing company developed on the idea they can help anyone no matter their situation. This real-world experience keeps Bryce's skills and knowledge sharp and allows him to coach strategies that are still working today. Bryce is a great family man and father and is determined to make his mark on the world one person at a time.

Andrew is an executive and board leader with a deep understanding of technology, innovation, and complex systems. As a physicist, program manager, and officer in the USAF he applied systems thinking to the full technology stack of command, control, communications, and intelligence (C3I) systems in airborne and space-based platforms. He has used that same approach across a broad array of industries and products to create value and sustainable superior performance.Over his career, his experiences in developing teams and implementing strategies have enabled innovation, growth, and profitability improvements in aerospace, commercial electronics, fast-moving consumer goods, and industrial sensors and safety products. He is an NACD Certified Director with experiences on Fortune 500 wholly owned subsidiaries, start-ups, private, and non-profit boards.He currently serves as Chairman and CEO for RealWear, and as a board member on the Finance Committee for the Rogers Group. RealWear is building the world's first voice-driven and fully ruggedized head-mounted tablet solution for connected industrial workers. It is the only wearable computer that has an inherently safe ATEX Zone-1 certified product for use in hazardous environments such as oil and gas production and chemical processing. RealWear's approach to augmented and assisted reality solutions is transforming how work is performed by addressing key challenges in workforce training, safety, and productivity with IoT data visualization, remote mentoring, and workflow applications. In this conversation, Andrew and I discuss the true meaning of leadership, the power of solitude, and how your strengths can become your weaknesses. Connect with Andrew on Twitter - andrewchros and LinkedIn - /in/andrewchrostowskiBook suggestions included; Team of Teams, Out of the Crisis, How to Win Friends and Influence People, and anything by Simon Sinek—-Prior to his current role, Andrew served briefly as COO, chaired the Advisory Board for RealWear, and was a member of the Audit Committee. The Rogers Group Inc. provides crushed stone, sand and gravel, asphalt and highway construction to the southeastern United States. In 2014, the company was ranked as the eighth largest aggregates producer in the nation (Aggregates Manager, July 2015). For the past several years, has remained the largest privately owned company in the aggregates industry.Additionally, Andrew consults and advises on issues of technology development, innovation, productivity, operations, cybersecurity, and digital strategies.Other roles included increasingly responsible positions in general management, operations, quality, compliance, and information systems with industry-leading companies such as Johnson Controls, Tyco, United Technologies, Goodrich, Energizer, Pfizer, Warner-Lambert, and Hitachi.He holds two undergraduate degrees in Engineering Physics from Oregon State University's Honor Program where he was a distinguished graduate of Air Force ROTC. He has a Master's Degree in Systems Management from the University of Southern California and later completed a certificate of professional development at the Wharton School of the University of Pennsylvania.He is a founding member, Faculty Instructor, Board Advisor and Qualified Technology Executive of the Digital Directors Network, the only curated global network of digital executives, directors and organizations working together to improve digital competence and diversity in the corporate boardroom to shape and secure the digital future for everyoneDiscover more:Interested in coaching services, check out Live for Yourself Consulting and Dr. Benjamin Ritter

Can becoming a more mindful leader help you achieve better results? Most leaders who boost their mindfulness find they are more focused and organized. Yet, its something that many leaders don't understand, so they miss out on this opportunity to become more strategic and reduce stress - for themselves and their team Enter my interview with CEO, Tim Hanold, of Care Advantage – one of the largest privately-owned home healthcare companies in the Mid Atlantic.  He has a proven track record in leadership and sales management stemming from 10 years in high-ranking roles at Humana at Home and SeniorBridge. Under his tenure as COO, the Humana Wellness division rose to $225MM in revenue, serving over 23 million members.  Prior to the world of home health, Tim built a strong career with Pepsi, Ford Motor Company, and Tyco Healthcare. While leading national sales teams, Tim found his passion for understanding the human experience that led him to healthcare.  Focusing on the consumer experience is Tim's guiding principle to strategically lead Care Advantage to the forefront of the home healthcare industry. He holds an MS in Management from Columbia University and a BS in Marketing and Business Logistics from Pennsylvania State University. https://www.linkedin.com/showcase/timtime/ (Tim's LinkedIn profile) https://www.careadvantageinc.com/ (Care Advantage Inc) Website What You'll Discover in this Episode: What Tim learned about leadership in his first job on a peach farm. How playing chess can prepare you to become CEO. The one trait he'd like to instill in every employee… GRIT. The biggest cost of employee turnover. How to find your passion through affinity, ability, and opportunity. A strategy for becoming a more mindful leader. How to do a “Mindfulness Calendar Review”. Resources: https://www.amazon.com/s?k=grit+-+angela+duckworth&gclid=Cj0KCQjw3IqSBhCoARIsAMBkTb2-PxaJxQEAzNFDvfLFOFTXV9zRieK0YwHRePMXFfjtfcKHqmZC72UaApiREALw_wcB&hvadid=241916677345&hvdev=c&hvlocphy=9010496&hvnetw=g&hvqmt=e&hvrand=14569869885784957972&hvtargid=kwd-274012544299&hydadcr=22563_10346375&tag=googhydr-20&ref=pd_sl_an947au7h_e (Grit )by Angela Duckworth https://www.imdb.com/title/tt0108065/ (Searching for Bobby Fischer) https://www.netflix.com/title/80234304 (Queens's Gambit) https://www.chess.com/ (Chess.com) https://www.gsb.stanford.edu/business-podcasts/think-fast-talk-smart-podcast (Think Fast, Talk Smart Podcast) https://theroadtocharacter.com/ (The Road to Character) by David Brooks https://www.amazon.com/Team-Rivals-Political-Abraham-Lincoln/dp/0743270754 (Team of Rivals) by Doris Kearns Goodwin ----- Connect with the Host, #1 bestselling author Ben Fanning https://www.benfanning.com/speaker/ (Speaking and Training inquires) https://my.captivate.fm/followbenonyoutube.com (Subscribe to my Youtube channel) https://www.linkedin.com/in/benfanning/ (LinkedIn) https://www.instagram.com/benfanning1/ (Instagram) https://twitter.com/BenFanning1 (Twitter)

We are sharpening the saw today. Whether you are raising capital, getting your foot in the door, or reaching the final stages of a deal, the need to engage with people is a must. Prepare your notepad as Bryce McKinley shares his life story on how he's turned a come-to-Jesus moment into a purpose-driven calling to spread the word on creating impactful conversations that can make you successful.WHAT YOU'LL LEARN FROM THIS EPISODE How the right coach in your corner can transform your lifeKey factors that impact communicationHow to spot a great coach?Muscle fatigue and how it relates to creating conversationsThe 5-step process around the sales engagement RESOURCES/LINKS MENTIONEDBill Boden: http://keelfunds.com/team/bill-boden/Zig Ziglar: https://www.ziglar.com/John Maxwell: https://johnmaxwellteam.com/Tony Robbins: https://www.tonyrobbins.com/Tiger Woods: https://www.tigerwoods.com/Natural Language Processing (NLP): https://en.wikipedia.org/wiki/Natural_language_processingFORD Method: https://socialpronow.com/blog/ford-method/#TheMiddleSchoolMillionaire: https://www.youtube.com/hashtag/themiddleschoolmillionaire5-Hour Flip: https://5hourflip.com/ebook1ABOUT BRYCE MCKINLEYGlobally recognized as A Top 5 Sales Trainer, Intl Keynote speaker, and an Independent Consultant for business including Fortune 500 Companies such as Ford, Nissan, Tyco, and ADT. Recently, he has transferred those skills into Real Estate, & crushing it!CONNECT WITH BRYCEWebsite: https://reiresultsacademy.com/LinkedIn: https://www.linkedin.com/in/brycemckinley/Facebook: https://www.facebook.com/REIResultsCoach/Youtube: https://www.youtube.com/channel/UCFd-EuyD8-jugfFWEsIG41QInstagram: https://www.instagram.com/coachsharpen/CONNECT WITH USGreen Light Equity Group - http://www.investwithgreenlight.com/For a list of Virtual Meetups - Email:tate@glequitygroup.comSpecial Announcement! Tate's brand new audiobook "F.I.R.E.-Financial Independence Retire Early Through Apartment Investing" is downloadable! Go to: Green Light Equity Group: http://www.investwithgreenlight.com/

Happy Thursday, Village Community! We're so glad you're here with us today. On this episode, Jennie and Allie sit down with a local Kickass Career Mom, Keller Arnold, to answer your questions about raising a family while maintaining a thriving career. And while we wish we could come away from this interview with a "one-size-fits-all" answer to how to perfectly balance every plate in the air, the reality is everyone's journey is different. No matter what you decide to do, sacrifices have to be made. But don't fret! This interview is filled with inspiration, practical advice, and plenty of laughs. We hope you come away feeling supported no matter what path you take...career mom, stay at home mom, or somewhere in between.  Keller Arnold is a senior financial executive with extensive experience in global industrial companies including seventeen GE, and Tyco,. She recently retired as Senior Vice President, Chief Financial Officer and Treasurer of Houghton International, a  153 year old specialty chemical company with operations in 30 countries. She is the very proud mother of her son, Duncan who is currently a student at the University of Dayton. Keller is passionate about local philanthropic and community activities. She is a member of the  Board of Directors and Chairperson of the Investment Committee of the Pennsbury Scholarship  Foundation (the oldest public high school scholarship foundation in the US). She is the founder  and President of Pennsbury Kids, a 501c3 nonprofit serving local children in need. Links:To Make a Donation to Pennsbury Kids:1. Venmo to @pennsburykids2. Via credit card at www.pennsburykids.org3. Paypal to keller@pennsburykids.orgInstagram: http://www.instagram.com/villagecommunityhttp://www.instagram.com/mrsjennieporterhttp://www.instagram.com/smallspacemamaEmail: thevillagepod@gmail.com

I'm honored to have Dale Robinette joining us today. Dale holds 25 years of experience in helping companies grow to new heights and excel in their fields. He got his start through serving in the U.S. Navy as an electronic warfare technician, where he gained invaluable experience in the field of technology. After serving four years, he attained a degree in business with an emphasis in marketing and was quickly picked up by industry giant Tyco, where he then became the leading salesperson out of 500 others. His career has been spent climbing ladders at incredible speeds and bringing any company he touches to incredible growth and success. He then went on to start Epic, the leading website for satellite industry companies to promote their products and services. https://www.dalerobinette.com To take the Quiggle Assessment go to quiggleassessment.com   If you'd like Dan to speak at your school, corporate or non-profit event in person or virtually, you can contact him at quigglegroup.com. Thanks for joining us! — Please subscribe to receive leadership coaching and monthly inspiration.   Stay connected to Dan's leadership community on: Facebook | LinkedIn.  

What can a leader do to change a toxic work culture? When you're in this position it can feel frustrating and even hopeless. If you can't make progress, it can lead to higher employee turnover and even threaten your goals.  Some leaders either give up entirely on changing the culture or ram through initiatives without garnering support first... neither is a recipe for success. Enter my interview with Jay Smith, CIO of https://www.tracfone.com/home (TracFone Wireless). You'll discover the key to changing a toxic work culture and a positive first step to get others on board with the changes. Jay's led positive change across TracFone Wireless, a company with revenues of $8B and 21M subscribers, plus World Fuel Services, NASCAR, Tyco, and CNA. Jay's LinkedIn profile: https://www.linkedin.com/in/jamessmith/ (https://www.linkedin.com/in/jamessmith/) WHAT YOU WILL DISCOVER FROM THIS EPISODE: Jay's first job that helped him realize his career path. What inspired him most about his first professional job at Lockheed. The turning point of his career. What he learned running a consulting company and how it helped him become a better corporate executive. How to measure success when running your own company. Why you need to foster the “Entrepreneurial Spirit” in your team, and how to nurture it. Where decisions should be made in the company. How to change a toxic work culture. Why you must start small to build trust. Two traits to instill in every employee... humility and vulnerability. What happens when the senior leader asks for feedback. A blueprint for giving feedback to your boss and team. QUOTES: “Have the courage to take a risk and go for your dream.” “Create small cross-functional empowered teams that are responsible for business outcomes.“ “Start with small ways to earn credibility and trust.” ------------------- https://www.benfanning.com/the-ceo-sessions/ (Apply to be on the show) ------------------- https://www.benfanning.com/the-ceo-sessions/ (Connect with Ben:) https://www.linkedin.com/in/benfanning/ (https://www.linkedin.com/in/benfanning/) https://www.instagram.com/benfanning1/ (https://www.instagram.com/benfanning1/) https://twitter.com/BenFanning1 (https://twitter.com/BenFanning1)

Today's guest is an innovative, collaborative, and forward-thinking industry leader with extensive experience building vision and driving financial results for growth-oriented organizations in Fire Protection & Life Safety, John Mackey.  Key Takeaways John 's Background Navy Veteran, served in the Gulf War Grandfathers were WWII vets, one a Navy Pilot Served in Reserves for 5 years after active duty  Used the GI Bill to attend College Worked at a local lumber yard after school Transitioned into HR Found his way to Tyco, where passion for Fire Protection & Life Safety grew From Manufacturing to Users Got into the field, traveled with sales team and met his customers Left Tyco and went to work for his largest customer, Hiller Technology was growing, used Tech to support growth Started a Consulting Company Recognized that there are companies who don't understand dynamics of acquiring businesses and what the customer expects Wanted to educate on how the market is structured Helped with the integration process Create an environment where they aren't skipping a beat with the customer The Mackey Group Mergers and Acquisitions Helping clients understand Market Dynamics Keeps pulse on what's going on in all aspects of Fire Protection Build strategies for clients success Helping clients understand emerging technologies NAFED Attended Executive Retreat for NAFED Focused on company owners and leaders Preparing for Transition in the Fire and Life Safety Business  Wrote blog about how to get better in this business.  First focus is on Fire About John I am an innovative, collaborative, and forward-thinking industry leader with extensive experience building vision and driving financial results for growth-oriented organizations in Fire Protection & Life Safety. I have robust strategic, operational, and relationship building acumen that facilitates competitive advantages and new partnerships. I'm known for strong integrity, influence, credibility, and a proactive communication style that cultivates consensus within diverse groups. Additionally, I'm a valued coach and mentor who effectively prepares next-generation leaders to capitalize on emerging opportunities and to leverage an entrepreneurial mindset. During my career, I have: • Served as a member of multiple industry Boards and Councils. • Established policy-based governance systems for major players in the Fire Protection industry. • Partnered with numerous CEOs and Boards to provide mission-based and executive-level strategic leadership. • Been a trusted advisor to PE, Investment and Research firms. My colleagues commend my business knowledge, customer-focus, leadership skills, and ability to work through challenges to achieve goals. I'm best known for spotting key opportunities, partnering with stakeholders to generate optimal results and acting as a positive ambassador for the organization. https://www.linkedin.com/in/mackeyjohn (John on LinkedIn) About The Mackey Group As the founder of this consultancy company, I have established and adapted company vision, direction, growth planning, and service offerings to ensure an optimal experience for my clients. I cultivate strong industry relationships and represent The Mackey Group to both stakeholders and clients. I serve as a Trusted Advisor to Private Equity, Investment, and Research firms ranging from $1MM to $250MM in annual revenue. I also partner with clients to develop sustainable M&A strategies and integration...

Celeste Chatman, VP, DEI & Talent Management at FullBloom joins the Learning Unlocked podcast to discuss Diversity, Equity, and Inclusion and share best practices for integrating DEI into the culture of your organization. Celeste outlines the importance of DEI starting with an organization's senior leadership, while also having it be the shared responsibility of every employee in an organization. She provides tips on the best ways to find a diverse pool of candidates for your organization and shares her thoughts on the importance of L&D in developing and retaining employees. Celeste Chatman is an accomplished human resources executive, with more than two decades of experience initiating, developing, and launching talent management strategies. She is passionate about encouraging diversity in the workplace and beyond. Prior to joining FullBloom, Celeste worked for Stride@K12 as director of diversity, equity, & inclusion. Earlier in her career, she held talent-acquisition and diversity roles for both for-profit and non-profit organizations, including Tyco, Allergan, Covance, Prudential, and the Urban Institute. As part of her work, Celeste will chair the company's DEI Steering Committee made up of nine FullBloom employees from across the country. She holds a bachelor of business administration degree from Upsala College and earned her master's degree in industrial-organizational psychology and counseling from Kean University. Learn more about your ad choices. Visit megaphone.fm/adchoices

Bryce McKinley is an International Best-Selling Author and one of the Top 5 Sales Trainers in The World! He has over 20 years of working with various Fortune 500 companies including but not limited to the likes of Ford, Nissan, Tyco, and ADT. Bryce is one of the leading experts in wholesaling houses having completed over 8,000 transactions in Real estate and has been able to close almost every deal over the phone, only ever walking 5 properties. Listen to today's episode as Bryce shares his story of how God has worked through his life while dropping some sales knowledge in the mix! Find Bryce... Instagram - https://www.instagram.com/coachsharpen/ REI Results Academy - https://reiresultsacademy.com/app/