Podcasts about UHM

Let's see how we feel, after a message from our sponsors. Jesus effing Christ, Jimmy Kimmel—goddamn! Why are you always this fucked UP. (Super fuckedupedly) I'm not, I'm just feel—(belches)— like it! —look like it, okay! Omah Gas. I nuh! Uh. Pedro Pascal? You're right again. Yehy! Well, almost right. What. That character he played on that extremely viral SNL skit— OKAH. Woah. —this is the dimension where he's— —oh my god— Yeah. —UHMYGAH! Cut back to: —look— jus— don't look at me. When you're—lookin at me, like that— okay?! Goddamn, he is fucked up. Yeah. This is critical. What did you do to Jimmy Kimmel? Nothing! Okay! He was just— like that already— you know —you don't know! Honestly he's kinda always, a little… WOOOF! Yowza. WOOF WOOF! JIMMY! DO NOT LICK ME! *panting* WOOF WOOF! AUGHHH. Get him out of here before he pees on the rug. I second that. Comeon, boy— WOOF! DOWN! [he obeys intently] Good Jimmy Kimmel. Good— —RUFINOL. What? [suddenly, JIMMY KIMMEL is human again and answers intently. Yes. It seems the word itself has broken his extreme delirium— —yo, okay, what is going on?! You've got to can this thing What. Cancel it. No way. I want to go. This thing, cannot happen, okay! It can't! Wtf Jimmy Fallon, stop inserting yourself into everything! — Unless it's me. EW. GROSS. Shots fired. No, I would call that a foul ball—Get it. No, Cause. You know. He's a bird, kind of. Oh. You mean, like “Fowl ball” Yeah! You got it! Yeah but not without like, thinking about it— So it doesn't work? It didn't work. Yo, but that part does explain why: CUT TO: No, you're right, I do hate Jimmy Fallon. —a lot. A lot. Okay? —but to be fair, I also hate Brad Pitt in the same way. BRAD PITT …You do? Yes, Brad Pitt i do— Very much, Hate you. BRAD PITT (Tearing up emotionally) Like, a lot? Uhm. Like, more than a lot, I just. BRAD PITT is actually extremely fragile and very emotionally sensitive. Is this a prescription for— fucking roofies?! I— have a, a…medical condition. That requires roofies?! Yes actually. It's very…serious. Shapeshifting is very serious. What kind of medical condition requires roofie-ing yourself. I didn't—I don't—I can't roofie myself, actually. What! No way… Someone else has to administer the dose, okay?! So wait. Uhogh, what the fuck man. This is— [he bites his knuckles nervously, then pats his pocket area, before realizing he is no longer wearing pants. Everyone just shrugs, but he becomes increasingly upset.] Where is my— phone?[more shrugs and blank stares] He quickly shuffles through the room and then the open suitcase of empty prescription bottles, spiraling into a deep void of panic and doubt— then, in an act of desperation and apparent extreme thirst, he reaches for the decorative flower vase, ejects the flowers— never mind that they are thorned roses and he appears to be bleeding without giving this a second thought, and chugs the liquid from the translucent crystal vase in a hearty and impressive glug of chugs; gesturing towards the now empty vase with the subtle remark— [beat] It's just vodka— I always have them do that. He sits down on the edge of the bed and takes a sigh as this seems to have calmed him, besides the trickle of blood running down the vase, which he still grips in one hand while rubbing his forehead with the other in complete distress… He seems to be looking out into the universe searching for an answer— seeking a solution to this unknown conundrum— and questions the cause of his demise. A single tear forms in his eye as he calmly asks: …does anyone know how to get ahold of Seth Rogen? The room is a confused and sticky, silent heap of bewildered unknowns. TITLE CARD {Enter The Multiverse} … was that the “message from our sponsors”? Shh! L E G E N D S: ICONS don't look at me. [The Festival Project ™] 50 CENT bursts down the door. WHERE'S MY SHIT, JIMMY? Fiddy. Fiddy, look, man— Don't “FIDDY” me! Look, I can explain. Well, then, explain— TV man. Go on ahead. Look. This is— this was not my fault— Then what was it?! This was— oh, God… Go ahead! It was— this was like a game. This ain't no goddamn game, Jimmy Kimmel, I'll tell you that much right now. Yo. But it—was— a game, though, it just— [got out of hand] {Enter The Multiverse} Museum in a curio cabinet; I know, I know, I know That's the boy, That's the boy, That's the boy I saw That's my boy, that's my boy, that's the boy I know I know Museum or curiosity Too late to tell the tale I think Just cover all with masking tape It is a game, To move the pieces Leave it, let it be, She said Hideous and when the winter hits And the withered women come again Let it be sinking into the sea with the rest of the things I don't need, i never needed I never need it Several synchronicities later, Still something sees symphonies in him Music and misers and mistereases, mistresses Listen to tin written sentiments And remember to forget the rest It's been minted Minted, minted Don't talk Just fucking listen And you'll never fucking get it. What's with the rest of it? Never been, never did Lemons and purple Sundays And when the weather hits, You'll get the tip of it Oh, There it is That thing she likes The thing she sees (She sees the monster) There it is, That thing she sees The thing she knows (She knows the monster) When you walk with the cork of the wine, And the checkboards, The water foxes, wishing reals And written wells, And fears for fourths, One wet, one rotten The rent and the wintergreen gum And the rest is in Zippered cashmere Wonder what the wish is But there is a birthday present for never Then there's a Cheshire Cat And the rest of it was washed in the misery, Misery, never the mystery and there, You weather the almost storm But the storm's not coming, There's nothing but sun left There's nothing but sun there There's nothing but sun there Now, here's this: You remember, dear We resubmit We live in a computer We live in a comouter He‘S green He's new He's wet behind the ears He's a hot one A hot commodity She's weathered She's torn She's a sweet potato on suicide And though at least a hundred other folks This here is the comfort This here is the comfort I'm a narcissist now, but once upon a time I just just self centered The love still there, But instead of the spine or the heart It's back in the middle Why my mother knows what she always knows And she always knows I don't know ‍♂️ o Patrick! Hey Patrick! Yes, what is it? You fiend! Can I have my hat back? Does this match? Does this make ratchet sense to you? Turn down that racket, Tennis racket Tennis clubs And gold clubs Boxes in the attick Skeletons in the closet The stock market going dropped Way down Like the alley with Whole Foods market I miss the rock and the plaza The hot dog corn breads The half wit half breeds And good old hybrids The hallmark cards And who doesn't give a fuck When the earth gives a fuck on a roll But it's walk the dog or go home Seriously, cuz? Or cousin?! You want a hog roll Good for a hog toss Salt washed back rubs And then keep calling your mom If you wanted the balls in your court And yet no one to toss them at And the basket's back at the matchbook factory Mattresses man, and the lands they land at Matches made in TV land Are bound to have a sick and intrinsic twist That will keep your belly rolling And stomach flat Jesus Christ, What the fuck is wrong with that guy— Or rather— What the fuck happened last year, Furthermore; What in the fuck did I write about it? Townhouse in Manhattan Broken finger Broken promises Bottles of hard alcohol And models, hot girls And one cat with curiosity. Check the curio cabinet There ought to be something Or someone in it Maybe even A little man in a box With a million bucks And a tinfoil hat, Ten million marked dollars And zero fucks Whatsoever I have a headache, a headache— A headache I have a heartache, a heartache, a heart— Stop. I put it all on a bushel of bollocks, Bollocks— flowers I put it on, put it on Put it on On, and on And all for nothing All for none With the intensity of one thousand suns, He insists it exists, And exits strategically With the whispers of industry secrets And interesting sequences, She reaches the wings from the curtains And curtsies for courtesy I'm curious I'm curious just how it ends In this suicidal and envious frenzy There's nothing left in the frostbitten five Rolling towards bowling green Where in every pair of loafers, Three piece suits And deep brown eyes, I seen him. In anything over 6 feet, It was good to mean it, And defeat is sweeter than ice cream; But the green is sicker than sea swings So let's rock the boat So to speak Or let's flood a Rock Should we start at the bottom, With large bursts of water, or Turn it all into a washroom With a thunderstorm Oh, lightning strikes! And John Oliver's Murdered, Colbert's been the president for decades, A dictator I got a taste of the rig and the cherry tree I got a big secret, But bitch, You could never keep it! I write a jeep to the Equinox, Ha Ha Ha Charade you are I put a notch in my belt and my bedpost, The watch to the shop But it's all Omega It's all Omega It's all ”Oh My God!” Stop and pause for the audience Stop and pause for the audience Stop and pause for the audience Shock and awe, Or just sloppy nonsense Someone rope in the Johns, And the frog, And the frog And the frog As the fog rolls in Now I'm a millionaire How dare you Did I scare you, Become every hair on your head? Imm the one you don't want You can't want You catch watch You can't wait to Gun her down Gun to your head And I measured it in relevance The end is near And that's the place my head is in I don't need medicine I need an erected monument in honor of All that I wanted for the whole module But now in New York, I'm The same stories over and over So everyone knows Aren't the ones I wrote But I wasn't supposed to Mouth closed Townhouse in Manhattan What the hell happened? Perhaps we all died and then actually end up in heaven eventually. —but maybe I wrote the whole show, But not knowing it's over I just keep rolling and rolling and rolling And open door policy (And that's when the pearly gates open) It's possible you know these are all just my favorite players of anything anywhere possible The folks wrapped in gold for the offerings There was no love left for her but he left the door open She runs around awkward and normal But knows she knows nothing He's lifting her up But he's putting her down at the same time And they both wear a crown, But one draws a crowd And the other's a nine Out of nine Out of nine Out of nine now It's 4 and 3 quarters I make ten cents in a day And he makes ten million a year But it's not about money In fact, If it's not about God, Then it's all about nothing. Nothing at all. Do you want to travel through my eyes One more time One more time And see my life? Did you want to do it all again Just for a quick review, Or not, kid? Do you want to take my eyes And take my heart And pantomime The nevermind And never better moments Of the last forever I like a ride On a nice hot walk Or a park In a nice hot car But you aren't what I wanted The doctor ordered Hot chocolate and syrup And nightmares are coming But the dream had come and gone And in the time since, I haven't slept at all It slipped in on Christmas and went till the miniature habits kicked back in We went around the block a couple times And you just kept rolling Over The car stopped on all fours And Godbfalled you off of it Cause trust, Love, It was horrendous to watch you blow up Into blockbuster artform Off of a bridge And into superstardom Via a billboard Meanwhile, Were shuffleboards And billiards Que the arts! Ou, I meant to owe you All the lessons In the knowledge But the harder I want it the Rocker on my chair polished It grows fuller of course Almost flat on the bottom What you hole into for the audience Is all inside the contracts I put it up on the What did you call it? Put the coat on the chair and just kept going Bro, If I hold you over Promise you'll hold the door open He won't. He's a show host— A remarkable “Don't even bother” And I paid top dollar for these hair plugs, You hear that?! I heard you rabbit. What it is about the thing that wells up in my Washington federal and tear-gassed orphans is Lollipops and anicetepetomin Or asperine I'm desperate for a job And yet, I almost miss the person Hiding from the shadows in the robots In my every on thoughforms Though I should be honored Now I've brought back this astonishing Remarkable curse To not b Have bought curtains When I didn't want them in the first place And I kept the window open 40,000 showed up But I played to no one And the blonde knows it's her birthday So of course she's more important But I'm no one, And here's Fallon: Jimmy Fallon Jimmy Fallon Jimmy Fallon I'm deflated just to follow off for a nut But I'm nothing since no one pondered And wondered to ask a remarkable task get the pawn shop, the butter knife And Lorne all over pork chops on the phone And I'm sure that's not kosher, But sure, there's no cure for it I'm words and I'm worse off The suburbs, the herbs and the marshes The books and the sineage The plants and the corvettes I might have been onto something once But now I'm washed up I might be onto something but no, no, no— I fought it off I might come down with a cold once a quarter century or so but just the snow alone As cold as this whole story is, Ripley's Is hard warming (Believe it or not, We've all got thumbs up We've all got magic wands And wants And whispers And stock markets And wishing for cashmere zippered sweaters This year I'll be on time for once But no one's coming No one's coming up The whole shows under water And all I want to know is How to go To pull the gun and trigger On my own live Cause this whole world Is just rotten Bodies Hairpins, Hairspray Corny! That's grid iron, Gridiron, ten fierce fires and one Cold hearted beautiful liar But which one's the finish? Last that I check Billie, Jimmy, and the Kidd are all Just one body And one mirror image Of one another So next time I call my mother I ought to talk like the worst word, Cause for sure, the oddest part of the whole show Is that he somehow knows her. Now come forwards What words have left to Burn? What words have left to cope and honor What form does lest I take What here is now and crucial? Evervescent fairy, Ever blessing crane, The ship that guides you yet with no light And no sail Has just drifted into unknown waters Where caves dwell and therein lies the secret of our esarth, nor your earth, But ours and again I lay, As you sink into the see with tilting force and berring waves, the drive into the tide my ark the swan hath flown to warn her, there drifts Into the shade again the sun my bird and wait to find my alter My alter again and as I may, The sink that ships and weigh, not the other, My mind you that too is bottom And sank is to have risen, also Here I wonder And never you cave, the drift of glowing green my force And there to wait, there caverns of hers and ships that sank my tide, Is crucial and so with forgiveness in time With every line here I or they did write The truth shatters as illusions, the mask has been re clamored and yet to have imagined I find him here not but the hints And the thing we know, buried deep in my loins and in my earth is he The whispers what May calling and landender, mauve my tide, my ba …wtf. idk. [The Festival Project™ ] {Enter The Multiverse} L E G E N D S: ICONS Tales of A Superstar DJ The Secret Life of Sunnï Blū Ascension Deathwish -Ū. Copyright The Festival Project, Inc. ™ & The Complex Collective © 2015-2025 All Rights Reserved

Let's see how we feel, after a message from our sponsors. Jesus effing Christ, Jimmy Kimmel—goddamn! Why are you always this fucked UP. (Super fuckedupedly) I'm not, I'm just feel—(belches)— like it! —look like it, okay! Omah Gas. I nuh! Uh. Pedro Pascal? You're right again. Yehy! Well, almost right. What. That character he played on that extremely viral SNL skit— OKAH. Woah. —this is the dimension where he's— —oh my god— Yeah. —UHMYGAH! Cut back to: —look— jus— don't look at me. When you're—lookin at me, like that— okay?! Goddamn, he is fucked up. Yeah. This is critical. What did you do to Jimmy Kimmel? Nothing! Okay! He was just— like that already— you know —you don't know! Honestly he's kinda always, a little… WOOOF! Yowza. WOOF WOOF! JIMMY! DO NOT LICK ME! *panting* WOOF WOOF! AUGHHH. Get him out of here before he pees on the rug. I second that. Comeon, boy— WOOF! DOWN! [he obeys intently] Good Jimmy Kimmel. Good— —RUFINOL. What? [suddenly, JIMMY KIMMEL is human again and answers intently. Yes. It seems the word itself has broken his extreme delirium— —yo, okay, what is going on?! You've got to can this thing What. Cancel it. No way. I want to go. This thing, cannot happen, okay! It can't! Wtf Jimmy Fallon, stop inserting yourself into everything! — Unless it's me. EW. GROSS. Shots fired. No, I would call that a foul ball—Get it. No, Cause. You know. He's a bird, kind of. Oh. You mean, like “Fowl ball” Yeah! You got it! Yeah but not without like, thinking about it— So it doesn't work? It didn't work. Yo, but that part does explain why: CUT TO: No, you're right, I do hate Jimmy Fallon. —a lot. A lot. Okay? —but to be fair, I also hate Brad Pitt in the same way. BRAD PITT …You do? Yes, Brad Pitt i do— Very much, Hate you. BRAD PITT (Tearing up emotionally) Like, a lot? Uhm. Like, more than a lot, I just. BRAD PITT is actually extremely fragile and very emotionally sensitive. Is this a prescription for— fucking roofies?! I— have a, a…medical condition. That requires roofies?! Yes actually. It's very…serious. Shapeshifting is very serious. What kind of medical condition requires roofie-ing yourself. I didn't—I don't—I can't roofie myself, actually. What! No way… Someone else has to administer the dose, okay?! So wait. Uhogh, what the fuck man. This is— [he bites his knuckles nervously, then pats his pocket area, before realizing he is no longer wearing pants. Everyone just shrugs, but he becomes increasingly upset.] Where is my— phone?[more shrugs and blank stares] He quickly shuffles through the room and then the open suitcase of empty prescription bottles, spiraling into a deep void of panic and doubt— then, in an act of desperation and apparent extreme thirst, he reaches for the decorative flower vase, ejects the flowers— never mind that they are thorned roses and he appears to be bleeding without giving this a second thought, and chugs the liquid from the translucent crystal vase in a hearty and impressive glug of chugs; gesturing towards the now empty vase with the subtle remark— [beat] It's just vodka— I always have them do that. He sits down on the edge of the bed and takes a sigh as this seems to have calmed him, besides the trickle of blood running down the vase, which he still grips in one hand while rubbing his forehead with the other in complete distress… He seems to be looking out into the universe searching for an answer— seeking a solution to this unknown conundrum— and questions the cause of his demise. A single tear forms in his eye as he calmly asks: …does anyone know how to get ahold of Seth Rogen? The room is a confused and sticky, silent heap of bewildered unknowns. TITLE CARD {Enter The Multiverse} … was that the “message from our sponsors”? Shh! L E G E N D S: ICONS don't look at me. [The Festival Project ™] 50 CENT bursts down the door. WHERE'S MY SHIT, JIMMY? Fiddy. Fiddy, look, man— Don't “FIDDY” me! Look, I can explain. Well, then, explain— TV man. Go on ahead. Look. This is— this was not my fault— Then what was it?! This was— oh, God… Go ahead! It was— this was like a game. This ain't no goddamn game, Jimmy Kimmel, I'll tell you that much right now. Yo. But it—was— a game, though, it just— [got out of hand] {Enter The Multiverse} Museum in a curio cabinet; I know, I know, I know That's the boy, That's the boy, That's the boy I saw That's my boy, that's my boy, that's the boy I know I know Museum or curiosity Too late to tell the tale I think Just cover all with masking tape It is a game, To move the pieces Leave it, let it be, She said Hideous and when the winter hits And the withered women come again Let it be sinking into the sea with the rest of the things I don't need, i never needed I never need it Several synchronicities later, Still something sees symphonies in him Music and misers and mistereases, mistresses Listen to tin written sentiments And remember to forget the rest It's been minted Minted, minted Don't talk Just fucking listen And you'll never fucking get it. What's with the rest of it? Never been, never did Lemons and purple Sundays And when the weather hits, You'll get the tip of it Oh, There it is That thing she likes The thing she sees (She sees the monster) There it is, That thing she sees The thing she knows (She knows the monster) When you walk with the cork of the wine, And the checkboards, The water foxes, wishing reals And written wells, And fears for fourths, One wet, one rotten The rent and the wintergreen gum And the rest is in Zippered cashmere Wonder what the wish is But there is a birthday present for never Then there's a Cheshire Cat And the rest of it was washed in the misery, Misery, never the mystery and there, You weather the almost storm But the storm's not coming, There's nothing but sun left There's nothing but sun there There's nothing but sun there Now, here's this: You remember, dear We resubmit We live in a computer We live in a comouter He‘S green He's new He's wet behind the ears He's a hot one A hot commodity She's weathered She's torn She's a sweet potato on suicide And though at least a hundred other folks This here is the comfort This here is the comfort I'm a narcissist now, but once upon a time I just just self centered The love still there, But instead of the spine or the heart It's back in the middle Why my mother knows what she always knows And she always knows I don't know ‍♂️ o Patrick! Hey Patrick! Yes, what is it? You fiend! Can I have my hat back? Does this match? Does this make ratchet sense to you? Turn down that racket, Tennis racket Tennis clubs And gold clubs Boxes in the attick Skeletons in the closet The stock market going dropped Way down Like the alley with Whole Foods market I miss the rock and the plaza The hot dog corn breads The half wit half breeds And good old hybrids The hallmark cards And who doesn't give a fuck When the earth gives a fuck on a roll But it's walk the dog or go home Seriously, cuz? Or cousin?! You want a hog roll Good for a hog toss Salt washed back rubs And then keep calling your mom If you wanted the balls in your court And yet no one to toss them at And the basket's back at the matchbook factory Mattresses man, and the lands they land at Matches made in TV land Are bound to have a sick and intrinsic twist That will keep your belly rolling And stomach flat Jesus Christ, What the fuck is wrong with that guy— Or rather— What the fuck happened last year, Furthermore; What in the fuck did I write about it? Townhouse in Manhattan Broken finger Broken promises Bottles of hard alcohol And models, hot girls And one cat with curiosity. Check the curio cabinet There ought to be something Or someone in it Maybe even A little man in a box With a million bucks And a tinfoil hat, Ten million marked dollars And zero fucks Whatsoever I have a headache, a headache— A headache I have a heartache, a heartache, a heart— Stop. I put it all on a bushel of bollocks, Bollocks— flowers I put it on, put it on Put it on On, and on And all for nothing All for none With the intensity of one thousand suns, He insists it exists, And exits strategically With the whispers of industry secrets And interesting sequences, She reaches the wings from the curtains And curtsies for courtesy I'm curious I'm curious just how it ends In this suicidal and envious frenzy There's nothing left in the frostbitten five Rolling towards bowling green Where in every pair of loafers, Three piece suits And deep brown eyes, I seen him. In anything over 6 feet, It was good to mean it, And defeat is sweeter than ice cream; But the green is sicker than sea swings So let's rock the boat So to speak Or let's flood a Rock Should we start at the bottom, With large bursts of water, or Turn it all into a washroom With a thunderstorm Oh, lightning strikes! And John Oliver's Murdered, Colbert's been the president for decades, A dictator I got a taste of the rig and the cherry tree I got a big secret, But bitch, You could never keep it! I write a jeep to the Equinox, Ha Ha Ha Charade you are I put a notch in my belt and my bedpost, The watch to the shop But it's all Omega It's all Omega It's all ”Oh My God!” Stop and pause for the audience Stop and pause for the audience Stop and pause for the audience Shock and awe, Or just sloppy nonsense Someone rope in the Johns, And the frog, And the frog And the frog As the fog rolls in Now I'm a millionaire How dare you Did I scare you, Become every hair on your head? Imm the one you don't want You can't want You catch watch You can't wait to Gun her down Gun to your head And I measured it in relevance The end is near And that's the place my head is in I don't need medicine I need an erected monument in honor of All that I wanted for the whole module But now in New York, I'm The same stories over and over So everyone knows Aren't the ones I wrote But I wasn't supposed to Mouth closed Townhouse in Manhattan What the hell happened? Perhaps we all died and then actually end up in heaven eventually. —but maybe I wrote the whole show, But not knowing it's over I just keep rolling and rolling and rolling And open door policy (And that's when the pearly gates open) It's possible you know these are all just my favorite players of anything anywhere possible The folks wrapped in gold for the offerings There was no love left for her but he left the door open She runs around awkward and normal But knows she knows nothing He's lifting her up But he's putting her down at the same time And they both wear a crown, But one draws a crowd And the other's a nine Out of nine Out of nine Out of nine now It's 4 and 3 quarters I make ten cents in a day And he makes ten million a year But it's not about money In fact, If it's not about God, Then it's all about nothing. Nothing at all. Do you want to travel through my eyes One more time One more time And see my life? Did you want to do it all again Just for a quick review, Or not, kid? Do you want to take my eyes And take my heart And pantomime The nevermind And never better moments Of the last forever I like a ride On a nice hot walk Or a park In a nice hot car But you aren't what I wanted The doctor ordered Hot chocolate and syrup And nightmares are coming But the dream had come and gone And in the time since, I haven't slept at all It slipped in on Christmas and went till the miniature habits kicked back in We went around the block a couple times And you just kept rolling Over The car stopped on all fours And Godbfalled you off of it Cause trust, Love, It was horrendous to watch you blow up Into blockbuster artform Off of a bridge And into superstardom Via a billboard Meanwhile, Were shuffleboards And billiards Que the arts! Ou, I meant to owe you All the lessons In the knowledge But the harder I want it the Rocker on my chair polished It grows fuller of course Almost flat on the bottom What you hole into for the audience Is all inside the contracts I put it up on the What did you call it? Put the coat on the chair and just kept going Bro, If I hold you over Promise you'll hold the door open He won't. He's a show host— A remarkable “Don't even bother” And I paid top dollar for these hair plugs, You hear that?! I heard you rabbit. What it is about the thing that wells up in my Washington federal and tear-gassed orphans is Lollipops and anicetepetomin Or asperine I'm desperate for a job And yet, I almost miss the person Hiding from the shadows in the robots In my every on thoughforms Though I should be honored Now I've brought back this astonishing Remarkable curse To not b Have bought curtains When I didn't want them in the first place And I kept the window open 40,000 showed up But I played to no one And the blonde knows it's her birthday So of course she's more important But I'm no one, And here's Fallon: Jimmy Fallon Jimmy Fallon Jimmy Fallon I'm deflated just to follow off for a nut But I'm nothing since no one pondered And wondered to ask a remarkable task get the pawn shop, the butter knife And Lorne all over pork chops on the phone And I'm sure that's not kosher, But sure, there's no cure for it I'm words and I'm worse off The suburbs, the herbs and the marshes The books and the sineage The plants and the corvettes I might have been onto something once But now I'm washed up I might be onto something but no, no, no— I fought it off I might come down with a cold once a quarter century or so but just the snow alone As cold as this whole story is, Ripley's Is hard warming (Believe it or not, We've all got thumbs up We've all got magic wands And wants And whispers And stock markets And wishing for cashmere zippered sweaters This year I'll be on time for once But no one's coming No one's coming up The whole shows under water And all I want to know is How to go To pull the gun and trigger On my own live Cause this whole world Is just rotten Bodies Hairpins, Hairspray Corny! That's grid iron, Gridiron, ten fierce fires and one Cold hearted beautiful liar But which one's the finish? Last that I check Billie, Jimmy, and the Kidd are all Just one body And one mirror image Of one another So next time I call my mother I ought to talk like the worst word, Cause for sure, the oddest part of the whole show Is that he somehow knows her. Now come forwards What words have left to Burn? What words have left to cope and honor What form does lest I take What here is now and crucial? Evervescent fairy, Ever blessing crane, The ship that guides you yet with no light And no sail Has just drifted into unknown waters Where caves dwell and therein lies the secret of our esarth, nor your earth, But ours and again I lay, As you sink into the see with tilting force and berring waves, the drive into the tide my ark the swan hath flown to warn her, there drifts Into the shade again the sun my bird and wait to find my alter My alter again and as I may, The sink that ships and weigh, not the other, My mind you that too is bottom And sank is to have risen, also Here I wonder And never you cave, the drift of glowing green my force And there to wait, there caverns of hers and ships that sank my tide, Is crucial and so with forgiveness in time With every line here I or they did write The truth shatters as illusions, the mask has been re clamored and yet to have imagined I find him here not but the hints And the thing we know, buried deep in my loins and in my earth is he The whispers what May calling and landender, mauve my tide, my ba …wtf. idk. [The Festival Project™ ] {Enter The Multiverse} L E G E N D S: ICONS Tales of A Superstar DJ The Secret Life of Sunnï Blū Ascension Deathwish -Ū. Copyright The Festival Project, Inc. ™ & The Complex Collective © 2015-2025 All Rights Reserved

Let's see how we feel, after a message from our sponsors. Jesus effing Christ, Jimmy Kimmel—goddamn! Why are you always this fucked UP. (Super fuckedupedly) I'm not, I'm just feel—(belches)— like it! —look like it, okay! Omah Gas. I nuh! Uh. Pedro Pascal? You're right again. Yehy! Well, almost right. What. That character he played on that extremely viral SNL skit— OKAH. Woah. —this is the dimension where he's— —oh my god— Yeah. —UHMYGAH! Cut back to: —look— jus— don't look at me. When you're—lookin at me, like that— okay?! Goddamn, he is fucked up. Yeah. This is critical. What did you do to Jimmy Kimmel? Nothing! Okay! He was just— like that already— you know —you don't know! Honestly he's kinda always, a little… WOOOF! Yowza. WOOF WOOF! JIMMY! DO NOT LICK ME! *panting* WOOF WOOF! AUGHHH. Get him out of here before he pees on the rug. I second that. Comeon, boy— WOOF! DOWN! [he obeys intently] Good Jimmy Kimmel. Good— —RUFINOL. What? [suddenly, JIMMY KIMMEL is human again and answers intently. Yes. It seems the word itself has broken his extreme delirium— —yo, okay, what is going on?! You've got to can this thing What. Cancel it. No way. I want to go. This thing, cannot happen, okay! It can't! Wtf Jimmy Fallon, stop inserting yourself into everything! — Unless it's me. EW. GROSS. Shots fired. No, I would call that a foul ball—Get it. No, Cause. You know. He's a bird, kind of. Oh. You mean, like “Fowl ball” Yeah! You got it! Yeah but not without like, thinking about it— So it doesn't work? It didn't work. Yo, but that part does explain why: CUT TO: No, you're right, I do hate Jimmy Fallon. —a lot. A lot. Okay? —but to be fair, I also hate Brad Pitt in the same way. BRAD PITT …You do? Yes, Brad Pitt i do— Very much, Hate you. BRAD PITT (Tearing up emotionally) Like, a lot? Uhm. Like, more than a lot, I just. BRAD PITT is actually extremely fragile and very emotionally sensitive. Is this a prescription for— fucking roofies?! I— have a, a…medical condition. That requires roofies?! Yes actually. It's very…serious. Shapeshifting is very serious. What kind of medical condition requires roofie-ing yourself. I didn't—I don't—I can't roofie myself, actually. What! No way… Someone else has to administer the dose, okay?! So wait. Uhogh, what the fuck man. This is— [he bites his knuckles nervously, then pats his pocket area, before realizing he is no longer wearing pants. Everyone just shrugs, but he becomes increasingly upset.] Where is my— phone?[more shrugs and blank stares] He quickly shuffles through the room and then the open suitcase of empty prescription bottles, spiraling into a deep void of panic and doubt— then, in an act of desperation and apparent extreme thirst, he reaches for the decorative flower vase, ejects the flowers— never mind that they are thorned roses and he appears to be bleeding without giving this a second thought, and chugs the liquid from the translucent crystal vase in a hearty and impressive glug of chugs; gesturing towards the now empty vase with the subtle remark— [beat] It's just vodka— I always have them do that. He sits down on the edge of the bed and takes a sigh as this seems to have calmed him, besides the trickle of blood running down the vase, which he still grips in one hand while rubbing his forehead with the other in complete distress… He seems to be looking out into the universe searching for an answer— seeking a solution to this unknown conundrum— and questions the cause of his demise. A single tear forms in his eye as he calmly asks: …does anyone know how to get ahold of Seth Rogen? The room is a confused and sticky, silent heap of bewildered unknowns. TITLE CARD {Enter The Multiverse} … was that the “message from our sponsors”? Shh! L E G E N D S: ICONS don't look at me. [The Festival Project ™] 50 CENT bursts down the door. WHERE'S MY SHIT, JIMMY? Fiddy. Fiddy, look, man— Don't “FIDDY” me! Look, I can explain. Well, then, explain— TV man. Go on ahead. Look. This is— this was not my fault— Then what was it?! This was— oh, God… Go ahead! It was— this was like a game. This ain't no goddamn game, Jimmy Kimmel, I'll tell you that much right now. Yo. But it—was— a game, though, it just— [got out of hand] {Enter The Multiverse} Museum in a curio cabinet; I know, I know, I know That's the boy, That's the boy, That's the boy I saw That's my boy, that's my boy, that's the boy I know I know Museum or curiosity Too late to tell the tale I think Just cover all with masking tape It is a game, To move the pieces Leave it, let it be, She said Hideous and when the winter hits And the withered women come again Let it be sinking into the sea with the rest of the things I don't need, i never needed I never need it Several synchronicities later, Still something sees symphonies in him Music and misers and mistereases, mistresses Listen to tin written sentiments And remember to forget the rest It's been minted Minted, minted Don't talk Just fucking listen And you'll never fucking get it. What's with the rest of it? Never been, never did Lemons and purple Sundays And when the weather hits, You'll get the tip of it Oh, There it is That thing she likes The thing she sees (She sees the monster) There it is, That thing she sees The thing she knows (She knows the monster) When you walk with the cork of the wine, And the checkboards, The water foxes, wishing reals And written wells, And fears for fourths, One wet, one rotten The rent and the wintergreen gum And the rest is in Zippered cashmere Wonder what the wish is But there is a birthday present for never Then there's a Cheshire Cat And the rest of it was washed in the misery, Misery, never the mystery and there, You weather the almost storm But the storm's not coming, There's nothing but sun left There's nothing but sun there There's nothing but sun there Now, here's this: You remember, dear We resubmit We live in a computer We live in a comouter He‘S green He's new He's wet behind the ears He's a hot one A hot commodity She's weathered She's torn She's a sweet potato on suicide And though at least a hundred other folks This here is the comfort This here is the comfort I'm a narcissist now, but once upon a time I just just self centered The love still there, But instead of the spine or the heart It's back in the middle Why my mother knows what she always knows And she always knows I don't know ‍♂️ o Patrick! Hey Patrick! Yes, what is it? You fiend! Can I have my hat back? Does this match? Does this make ratchet sense to you? Turn down that racket, Tennis racket Tennis clubs And gold clubs Boxes in the attick Skeletons in the closet The stock market going dropped Way down Like the alley with Whole Foods market I miss the rock and the plaza The hot dog corn breads The half wit half breeds And good old hybrids The hallmark cards And who doesn't give a fuck When the earth gives a fuck on a roll But it's walk the dog or go home Seriously, cuz? Or cousin?! You want a hog roll Good for a hog toss Salt washed back rubs And then keep calling your mom If you wanted the balls in your court And yet no one to toss them at And the basket's back at the matchbook factory Mattresses man, and the lands they land at Matches made in TV land Are bound to have a sick and intrinsic twist That will keep your belly rolling And stomach flat Jesus Christ, What the fuck is wrong with that guy— Or rather— What the fuck happened last year, Furthermore; What in the fuck did I write about it? Townhouse in Manhattan Broken finger Broken promises Bottles of hard alcohol And models, hot girls And one cat with curiosity. Check the curio cabinet There ought to be something Or someone in it Maybe even A little man in a box With a million bucks And a tinfoil hat, Ten million marked dollars And zero fucks Whatsoever I have a headache, a headache— A headache I have a heartache, a heartache, a heart— Stop. I put it all on a bushel of bollocks, Bollocks— flowers I put it on, put it on Put it on On, and on And all for nothing All for none With the intensity of one thousand suns, He insists it exists, And exits strategically With the whispers of industry secrets And interesting sequences, She reaches the wings from the curtains And curtsies for courtesy I'm curious I'm curious just how it ends In this suicidal and envious frenzy There's nothing left in the frostbitten five Rolling towards bowling green Where in every pair of loafers, Three piece suits And deep brown eyes, I seen him. In anything over 6 feet, It was good to mean it, And defeat is sweeter than ice cream; But the green is sicker than sea swings So let's rock the boat So to speak Or let's flood a Rock Should we start at the bottom, With large bursts of water, or Turn it all into a washroom With a thunderstorm Oh, lightning strikes! And John Oliver's Murdered, Colbert's been the president for decades, A dictator I got a taste of the rig and the cherry tree I got a big secret, But bitch, You could never keep it! I write a jeep to the Equinox, Ha Ha Ha Charade you are I put a notch in my belt and my bedpost, The watch to the shop But it's all Omega It's all Omega It's all ”Oh My God!” Stop and pause for the audience Stop and pause for the audience Stop and pause for the audience Shock and awe, Or just sloppy nonsense Someone rope in the Johns, And the frog, And the frog And the frog As the fog rolls in Now I'm a millionaire How dare you Did I scare you, Become every hair on your head? Imm the one you don't want You can't want You catch watch You can't wait to Gun her down Gun to your head And I measured it in relevance The end is near And that's the place my head is in I don't need medicine I need an erected monument in honor of All that I wanted for the whole module But now in New York, I'm The same stories over and over So everyone knows Aren't the ones I wrote But I wasn't supposed to Mouth closed Townhouse in Manhattan What the hell happened? Perhaps we all died and then actually end up in heaven eventually. —but maybe I wrote the whole show, But not knowing it's over I just keep rolling and rolling and rolling And open door policy (And that's when the pearly gates open) It's possible you know these are all just my favorite players of anything anywhere possible The folks wrapped in gold for the offerings There was no love left for her but he left the door open She runs around awkward and normal But knows she knows nothing He's lifting her up But he's putting her down at the same time And they both wear a crown, But one draws a crowd And the other's a nine Out of nine Out of nine Out of nine now It's 4 and 3 quarters I make ten cents in a day And he makes ten million a year But it's not about money In fact, If it's not about God, Then it's all about nothing. Nothing at all. Do you want to travel through my eyes One more time One more time And see my life? Did you want to do it all again Just for a quick review, Or not, kid? Do you want to take my eyes And take my heart And pantomime The nevermind And never better moments Of the last forever I like a ride On a nice hot walk Or a park In a nice hot car But you aren't what I wanted The doctor ordered Hot chocolate and syrup And nightmares are coming But the dream had come and gone And in the time since, I haven't slept at all It slipped in on Christmas and went till the miniature habits kicked back in We went around the block a couple times And you just kept rolling Over The car stopped on all fours And Godbfalled you off of it Cause trust, Love, It was horrendous to watch you blow up Into blockbuster artform Off of a bridge And into superstardom Via a billboard Meanwhile, Were shuffleboards And billiards Que the arts! Ou, I meant to owe you All the lessons In the knowledge But the harder I want it the Rocker on my chair polished It grows fuller of course Almost flat on the bottom What you hole into for the audience Is all inside the contracts I put it up on the What did you call it? Put the coat on the chair and just kept going Bro, If I hold you over Promise you'll hold the door open He won't. He's a show host— A remarkable “Don't even bother” And I paid top dollar for these hair plugs, You hear that?! I heard you rabbit. What it is about the thing that wells up in my Washington federal and tear-gassed orphans is Lollipops and anicetepetomin Or asperine I'm desperate for a job And yet, I almost miss the person Hiding from the shadows in the robots In my every on thoughforms Though I should be honored Now I've brought back this astonishing Remarkable curse To not b Have bought curtains When I didn't want them in the first place And I kept the window open 40,000 showed up But I played to no one And the blonde knows it's her birthday So of course she's more important But I'm no one, And here's Fallon: Jimmy Fallon Jimmy Fallon Jimmy Fallon I'm deflated just to follow off for a nut But I'm nothing since no one pondered And wondered to ask a remarkable task get the pawn shop, the butter knife And Lorne all over pork chops on the phone And I'm sure that's not kosher, But sure, there's no cure for it I'm words and I'm worse off The suburbs, the herbs and the marshes The books and the sineage The plants and the corvettes I might have been onto something once But now I'm washed up I might be onto something but no, no, no— I fought it off I might come down with a cold once a quarter century or so but just the snow alone As cold as this whole story is, Ripley's Is hard warming (Believe it or not, We've all got thumbs up We've all got magic wands And wants And whispers And stock markets And wishing for cashmere zippered sweaters This year I'll be on time for once But no one's coming No one's coming up The whole shows under water And all I want to know is How to go To pull the gun and trigger On my own live Cause this whole world Is just rotten Bodies Hairpins, Hairspray Corny! That's grid iron, Gridiron, ten fierce fires and one Cold hearted beautiful liar But which one's the finish? Last that I check Billie, Jimmy, and the Kidd are all Just one body And one mirror image Of one another So next time I call my mother I ought to talk like the worst word, Cause for sure, the oddest part of the whole show Is that he somehow knows her. Now come forwards What words have left to Burn? What words have left to cope and honor What form does lest I take What here is now and crucial? Evervescent fairy, Ever blessing crane, The ship that guides you yet with no light And no sail Has just drifted into unknown waters Where caves dwell and therein lies the secret of our esarth, nor your earth, But ours and again I lay, As you sink into the see with tilting force and berring waves, the drive into the tide my ark the swan hath flown to warn her, there drifts Into the shade again the sun my bird and wait to find my alter My alter again and as I may, The sink that ships and weigh, not the other, My mind you that too is bottom And sank is to have risen, also Here I wonder And never you cave, the drift of glowing green my force And there to wait, there caverns of hers and ships that sank my tide, Is crucial and so with forgiveness in time With every line here I or they did write The truth shatters as illusions, the mask has been re clamored and yet to have imagined I find him here not but the hints And the thing we know, buried deep in my loins and in my earth is he The whispers what May calling and landender, mauve my tide, my ba …wtf. idk. [The Festival Project™ ] {Enter The Multiverse} L E G E N D S: ICONS Tales of A Superstar DJ The Secret Life of Sunnï Blū Ascension Deathwish -Ū. Copyright The Festival Project, Inc. ™ & The Complex Collective © 2015-2025 All Rights Reserved

Oekraïne krijgt dan toch weer nieuwe wapens van de Verenigde Staten. Trump zegt dat Putin doorgaat met het doden van mensen en dat Oekraïne zich daarom moet kunnen verdedigen tegen de Russische luchtaanvallen. Netanyahu ontmoette Trump. De twee spraken over een staakt-het-vuren in Gaza, terwijl Hamas daar steeds meer invloed verliest.En China zou hebben gezegd dat de oorlog in Oekraïne een voordeel is, omdat de Verenigde Staten zich nu niet volledig kunnen focussen op Azië. Hangt een aanval van China op Taiwan daarmee nu in de lucht en wat betekent dat voor de NAVO?Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.See omnystudio.com/listener for privacy information.

Amerikaanse vliegtuigen vlogen naar Iran en gooiden zogenoemde bunkerbuster-bommen op nucleaire installaties. Iran sloeg terug richting een Amerikaanse basis in Qatar, er kwam een bestand tussen Israël en Iran en dat bestand werd geschonden (tot grote woede van Donald Trump). En toen moest de NAVO-top nog beginnen. Een historische top, waar alle NAVO-landen afspreken hun defensieuitgaven drastisch te gaan verhogen. Dat alles bespreekt Jos de Groot met generaal buiten dienst Peter van Uhm en met een bijzondere gast: voormalig directeur operaties en militaire planning van de internationale militaire staf van de NAVO, Gijs van Keulen.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

Prova GRATIS Finom - https://openinapp.link/lp3ud Quando sei in viaggio...non ti è mai capitato di pensare.: " Uhm questa CocaCola ha un sapore diverso dal solito"? Forse hai ragione Ascolta il podcast STORIE di BRAND - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://spotify.openinapp.co/zp15q⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Entra nel Canale TELEGRAM - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://t.me/storiedibrand⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Storie su YOUTUBE - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@StoriediBrand⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Seguici su INSTAGRAM -⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://www.instagram.com/storiedibrand/?hl=it⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Rusland terroriseert Oekraïense steden met verwoestende droneaanvallen, gericht op het intimideren van de burgerbevolking. Aan het front vecht Oekraïne om zijn linies te behouden, terwijl Rusland de druk op verschillende plekken opvoert. En in het Midden-Oosten is een strijd tussen Israël en Iran losgebarsten, nadat Israël de aanval inzette op Iran's nucleaire installaties en hoge legerofficieren uitschakelde. De grote vraag: welke rol kiest Donald Trump in dit conflict? Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

Nadat Oekraïne afgelopen week een verrassingsaanval uitvoerde op Rusland, sloeg het Russische leger hard terug met de grootste droneaanval in de oorlog tot nu toe en lanceerde het een nieuw offensief - Oekraïne ontkent dat. Ondertussen zegt Trump dat Oekraïne en Rusland misschien maar even een tijdje moeten doorvechten om tot een oplossing te komen.En Israël hield een schip met activisten tegen, dat op weg was naar Gaza om hulpgoederen te leveren - onder hen Greta Thunberg en een Nederlandse stuurman. Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

Operatie Spinnenweb: schijnbaar uit het niets viel Oekraïne diep in Rusland met kleine drones militaire vliegvelden aan en vernietigde zo een deel van de Russische strategische bommenwerpers. En dat aan de vooravond van nieuwe vredesgesprekken tussen beide landen in Istanbul. En in Nederland is het kabinet gevallen, nadat PVV-leider Geert Wilders dinsdag de stekker eruit trok. Wat betekent dat voor de Defensieplannen en de opbouw van de Nederlandse krijgsmacht? Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

John Marvin grew up in Kansas as a member of a family with significant medical experience. John's father, for example, was a family physician in a small Western Kansas town. John describes some about his life and how his thoughts and attitudes were greatly influenced by his father. Late in his high school career John told his dad that he did not want to grow up to be a doctor because, as he put it, he didn't want to work as hard as his father worked. John will explain that to us. As he also put it, his comment came from a young naïve boy.   In college John settled on securing a marketing degree. After college he ended up going deeply into marketing and eventually he entered the optical industry specializing in optometry.   John and I have some wonderful discussions about self growth, leadership and how to help people and companies grow. I got, and I think you will get, many great ideas from John's experiences and that we all will be the better for what John has to say and teach us.       About the Guest:   John D. Marvin is an entrepreneur and dynamic leader with a proven track record of success in healthcare, wellness, and the eyecare industry. As President and CEO of Texas State Optical (TSO), he has transformed the organization into one of the largest and most respected networks of independent optometrists in the United States, generating upwards of $110 million in annual revenue. With over two decades of experience at TSO, John has cultivated a member-owned cooperative that empowers optometrists to operate independently while benefiting from robust centralized support. His leadership has been pivotal in fostering a culture of innovation, professional growth, and exceptional patient care. John's career spans over 40 years, during which he has held executive roles across various industries, including marketing, consulting, and healthcare. His entrepreneurial spirit is evident in his strategic leadership during TSO's transition from a retail chain to a cooperative network in 2001. Under his guidance, TSO shifted its focus from product-driven services to comprehensive medical eyecare, reinforcing its reputation as a patient-centered organization. Beyond TSO, John serves as President of Texas Eyecare Partners and Health and Wellness Consulting. As a lifelong advocate of personal growth, John has studied the transformative power of mindset and the “inner game” of success. His insights into leadership, achievement, and business management have made him a sought-after speaker and certified John Maxwell Professional Coach. John passionately shares his experiences to inspire others to unlock their potential, offering actionable strategies to overcome challenges and drive meaningful change. John's dedication to education and collaboration is evident in his efforts to support emerging professionals in the field of optometry. He has fostered strong relationships with the University of Houston's College of Optometry and the Texas Optometric Association, contributing to scholarships, professional development programs, and initiatives that promote medical optometry. Through his vision and unwavering commitment to excellence, John D. Marvin exemplifies the principles of leadership, empowerment, and innovation, making a lasting impact on the eyecare industry and beyond. Ways to connect John:   https://www.facebook.com/jdmarvin  https://www.linkedin.com/in/jdmarvin/  https://www.instagram.com/jdmarvin/ https://tso.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 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 subscribe in your favorite podcast app. You can also support our podcast through our tip jar https://tips.pinecast.com/jar/unstoppable-mindset .   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 ** 01:21 Well, hello, everyone. Once again, wherever you happen to be, I'm your host on unstoppable mindset, Mike Hingson, or you can call me Mike, whichever you prefer. And our guest today is John D Marvin. John is an entrepreneur. Has been an entrepreneur for quite a while, and he has been involved in a number of different kind of endeavors over his life. And he's worked, worked in the eye care industry a bunch, and is now in charge of Texas State Optical. We're going to learn more about that and and all the other things I don't know whether I care, does me a whole lot of good directly, but it's fun to talk about anyway. No, no doubt. So John, I want to really welcome you. I'm glad we finally made this work. I'm glad we got a chance to connect. So welcome to unstoppable mindset.   John D Marvin ** 02:13 Well, thank you, Mike. It's a real pleasure to be here.   Michael Hingson ** 02:15 Well, I'm glad that we we get a chance to really talk. We haven't really done too many podcasts on eye care and optical stuff, so I'm glad to be able to do it. But I'd like to start, as I'd love to do so often, tell us about kind of the early John growing up, and go from there.   John D Marvin ** 02:33 Okay, I was born and raised in Kansas. I that that's northern Texas, right? That's northern Texas. That's right, yeah, I actually grew up in western Kansas. I was born in Kansas City, but I grew up in western Kansas, and my father is a family physician, and had the kind of stereotypical country doctor practice small town, 2000 people, and my mother was his office manager for a number of years. And so it was a kind of a family business. And I have three siblings, sisters, and so we grew up in a small Mayberry type town, and it was great riding bicycles till the street lights came on at night, and catching fireflies and all that kind of good stuff. And then I decided to go to school. I chose to go to school in Tulsa, Oklahoma, and graduated, it's an emphasis in marketing and marketing and business administration, and ended up in the ad agency business for a little bit of a time, and just kind of really decided that wasn't for me, and ended up from there going into pharmaceutical sales. And really enjoyed that, and enjoyed the the outside sales aspects of it and calling on doctors. And my territory was western Kansas, so I used to say, and still refer to it as my territory looked like my high school football schedule. So we would go to these small towns. And of course, most everyone out there knew my father, and so the typical problem of trying to get past the front desk was made a little easier because people knew my family, and from that, I ended up taking an administrative, marketing administrators position with a group of surgeons in in Wichita, and that led to introduction and eating some ophthalmologists in Houston. Them and followed a job opportunity I had with them and came to Houston in 1989 I've been here ever since, but it was after four years of working with them, I ended up going out on my own and started my own business, which was Marketing Management Group, which did consumer research, and then we would develop marketing strategies based on that. And one of my clients, early clients, was Texas State Optical. And because of my background in eye care, both in Wichita, Kansas and in Houston, I had a better I got some insight into the consumer. And so the work I did with Texas State Optical was a lot we did a lot of work, and did several studies with them, and that kind of introduced me to the whole group of franchisees that made up the Texas State Optical organization. Subsequently, I helped them organize, the franchisees organize, and in the late 90s, 1999 I was hired by the franchisees to put together a Franchise Association, and through that, ultimately help them acquire the company, purchase it, and from that during that process, was asked if I would be willing to come on board as the new president of the company once they purchased it. And that was in 2001 and I've been president ever since. So here you go. It kind of takes you from Small Town Living to big city operations and a network of about 100 optometry offices.   Michael Hingson ** 06:47 So what exactly is Texas State Optical? Or maybe first, what was it and how is it morphed over time?   John D Marvin ** 06:56 Well, originally it was founded by four brothers in 1936 in Southeast Texas, little town called Beaumont, and famous for a lot of things in that part of the state. One of them is Janis Joplin, the others, Big Bopper and George Jones and but it also was the birthplace of Texas State Optical. And they grew a network of privately owned they owned them all over 300 locations throughout Texas, Mexico, Oklahoma and Arkansas, Louisiana and and then in the early 70s, they sold it to a pharmaceutical company, ironically, the same one that I had worked for when I was calling on western Kansas. But when they sold it, it got converted to a traditional franchise model, and it stayed that way until the franchisees purchased it in 2001 when we I was involved, and we turned it into a brand license business, taking that iconic license that had been around Texas optical since the 30s, 1930s and and then turning around and licensing the use of that brand to young optometrist who wanted to own their own practice, but saw the use of that brand as kind of instant credibility, because a lot of people were familiar with that brand.   Michael Hingson ** 08:40 So what does it provide? What did one of the organization provide under the brand? Well,   John D Marvin ** 08:46 we use the use of the brand, and so you got immediate notoriety in terms of just people's awareness of it, but also we put together kind of a la carte menu of optional services and support and resources that licensees could either take advantage of or not, and it was a really hands off model. We didn't have any, and still don't have any operational control over the way business was done. We We influenced that through best practices and sharing of information, but certainly we didn't require have any requirements of the way that they would operate. Reality is most private practice optometrists operate pretty well, and so we were there to kind of coach and help, but mainly it was them using our brand name, which had a really strong consumer value to it.   Michael Hingson ** 09:44 And so what kind of changes when the franchisees all joined together and bought the company and so on? How have you and they changed it over the years.   John D Marvin ** 09:59 I. I think the biggest change from 1999 to 2001 when they bought it, and to this day, has been the culture of the company. And that is, you know, it's something of a franchise opportunity, yeah, and a lot of your listeners probably either own franchises. Thought about franchises, and you know, it might you and I spent the next year trying to decide we were going to own a franchise. And we'd go out and do all sorts of research, and we'd look into this one and that one, and what kind of industry we want, and we'd finally select one that we were really impressed with. Thought about for great opportunity. We'd pay our $50,000 franchise fee, and about the second or third day of owning that franchise, we would decide that these people don't know anything about this business that we're in, and there's just this inherent adversarial relationship that exists between a franchisee and a franchisor. Some for good reason, some just because of the independent, entrepreneurial nature of a franchisee. Well, when the franchisees owned the company, they owned the franchise, or that adversarial dynamic kind of left. And so now there's nobody to kind of blame except yourself, and people are inclined not to do that as much. And so there was a greater tendency to kind of work together, work through things, come up with solutions to problems or resources that were needed. And it just created a much more homogeneous type of culture, and to the point where our annual meeting we host every year is referred to as our family reunion. And so we gather everyone together. It's really an atmosphere of all of us being as one family, sharing the same kind of core values, and all out to do the same thing, and that is just provide great quality eye care for our communities. And so that, that is a big change. Of course, there's always the things like collective purchasing, education and training. The main difference in those areas are engagement. When you are asked by a franchisor to engage in certain activities, there's that inherent reluctance to do that in our organization. There's an inherent acceptance of it because it comes from a colleague, it comes from others and doctors are more leading doctors than they are being led by some set of suits someplace in the Northeast.   Michael Hingson ** 12:50 Yeah, and that is such an extremely important thing to be able to really make it a family, a disciplined family, but still a family nevertheless, which is kind of cool. I'm curious about something being blind, and having been blind my whole life, and involved with blindness consumer organizations, one of the things that we have found often is that most people in the eye care industry, primarily in the ophthalmological industry, which is kind of a little bit more relevant to us, but tend not to really have a lot of knowledge about blindness and blind people. And so, for example, there are so many stories of a person going into the office of an ophthalmologist, for example, maybe they're losing their eyesight, but the ophthalmologist examines them and for whatever reason, will say things like, you're going blind. I'm sorry, there's nothing I can do, and walk out and never provide any other kinds of resources or knowledge to help the person who's losing eyesight. I don't know whether you see that, given where you are or what your thoughts are on that, but I'd be interested to get your thoughts because it seems to me that there's a lot of opportunity to do significant education about blindness and low vision to recognize that the reality is, blindness isn't the problem. It's people's attitudes traditionally that are the problem.   John D Marvin ** 14:28 That's an excellent point. Mike, I you know my first thoughts are the profession of optometry is really involved in preventing right blindness, and so it's kind of one of the few areas of healthcare that is more prevention oriented than other areas. Most areas are treatment oriented. In other words, you become sick. And then we treat you right, and the profession of optometry is all about we talk to people all the time about protecting your vision and preventing problems from happening. Now, as we see patients that end up either through glaucoma or some form of pathology, retinal issues, start to lose their vision. There comes a point early in that process where they are, frankly, they are outside of the scope of care that an optometrist can provide. So they end up being referred to an ophthalmologist. That being said, there are several optometrists across the country that have decided to devote themselves to low vision, and that's kind of a form of blind and what I would call blindness care, and where it's not complete, there is some level of vision there, but it needs a lot of enhancement, either through equipment or through other types of therapeutics practices. And there are optometrists who say, I'm not going to sell glasses. I'm not going to focus on contacts. I'm going to just provide a low vision clinic. And they're not not there's not a large number of them, but there are some, and what I've experienced in that is it does take a particular type of practitioner to be successful with that. And when I say successful, I mean, to be able to establish the type of patient doctor relationship that actually produces some really positive outcomes and helps people better manage their loss of vision, either whether that's progressive and eventually will become complete, or whether It's stalled at a point where they just cannot function without special aid, like I said, equipment, or some type of therapeutics. And there's just not a lot of people go into Optometry for the refractive side of things, and and so there's, there's not that motivation, really, to learn much about it. We do as an organization. We're very involved with prevent blindness as a national organization, and we'd also have some involvement with low vision clinics that are in the Houston Medical Center. But outside of that, you're right. There's not a whole lot of folks that understand it, probably, or maybe it's just they don't have the patience for it, because it does require a different kind of patient care approach, even   Michael Hingson ** 17:55 so what I wonder is, if there is an opportunity, maybe to provide additional education, so that if your your franchisees, for example, encounter a person who's losing eyesight and they and they realize that that they can help refer them to sources or resources that can assist because part of the problem is that, typically in society, blindness is viewed as such a horrible, devastating thing. And I understand that eyesight is a very wonderful thing, and people want to have it, but the reality is for a variety of reasons that doesn't work for everyone. The problem is that we have so much fear of blindness that we don't tend to deal with and I just wonder if there might be a way to provide some sort of a system or program that would help teach your people that blindness isn't really the end of the world, which is not to say, don't try to prevent it if you can, but when you can't, you can also be an additional source. To say, here are places where you can go, or here are some things that you can learn.   John D Marvin ** 19:16 Well, I do think that it's important, and I'm aware of many, keeping in mind that our members who own locations that use our brand are independent, we have provided them local organizations, clinics, things like that, which help them in referring people that need that kind of help and in education, I think also an important factor is that it's not just the patient that can use that it's the patient's family, because it, while it's perceived as something that you know you. I know that people value their sight, and the thought of losing it and becoming blind is is frightening the individual, but it also is frightening and disruptive to family, who father, mother, wife, husband, son or daughter, to deal with the changes in lifestyle that are required to accommodate that. Loss of vision is significant. You mentioned you've been blind since birth, and that's certainly one group of people, but there's an awful lot of people that end up experiencing blindness when they're in their 30s or 40s, after they've had a large portion of their life with vision. And it's, I don't want to say it's easier by any means. I first of all, I have no right in even suggesting that, but it's a different experience, for sure, not ever having had vision, versus having had it for a number of years and then losing it. And sometimes it might be as scary and frightening for the family around that person as it is the patient themselves. And so we do place a high value on getting people the kind of help and resources they need to better adjust to those changes.   Michael Hingson ** 21:28 Well, when I was born, I actually became blind because of what we now call retinopathy or prematurity, which originally was retro enterofibroplasia, which is harder to spell, but I love the term anyway. At about four months of age, it was discovered that I was blind, and the doctors told my parents they ought to just send me off to a home, because no blind child could ever grow up to be a contributor to society, and all I would do would be a drain on the family and then later on society. And my parents were very unusual in taking the stand that, no, you're wrong. He can grow up to do whatever he wants, and we're going to give him that opportunity. And that was, and really to a very large degree today, still is, a very unusual attitude to take, because we fear blindness so much, and while I appreciate the reality of eyesight is very important for most people, what I would love to see are ways to create more of an understanding so that People understand that blindness isn't the end of the world, and that's what what we see all too often in society in general, which is unfortunate, and you're right. I don't know whether it's easier if you're blind from the outset or become blind later in life. I know any number of people who became blind later in life, who went to programs where philosophically, they were taught blindness was not a problem, and they learned that they could continue to be contributors to society, and they tend to intend to Do that, as opposed to many others from both camps and from birth or not who never understand. Blindness isn't going to be the end of the road if people let it be. So it's it's just one of those conundrums that we end up having to deal with on a regular basis.   John D Marvin ** 23:38 The name of your podcast dealing with mindset, right? A lot of it is exactly that. And if you're find yourself in a you know, the child who's born blind can either have a support system and family and parents that impact his his or her mindset in a way that creates the expectation and understanding that it it doesn't have to be limiting. And same goes with someone who's blind later in life, right? It's a matter of how you look at and decide for yourself. I mean, we all know people that, whether it's a loss of a one of the most five senses, the important senses, sight or hearing, so forth, there is a natural mind. There's one set of mind people that have a mindset that, oh, poor you. Now you've got insurmountable challenges in your life, and this is going to be difficult the rest of your life. And then the other mindset that many parents have recognizing their opportunity they have with their child is to say, yes, that's you. But that doesn't have to define you, that doesn't limit you. You can overcome those things and and I think that that is even in our business, where you have someone who comes into the office and through some type of diagnostic testing, it's determined that they are losing their sight, and that the natural outcome of this progression of pathology will be the total loss of sight. We have the opportunity there, at that point, to affect their mindset, yeah, and to either tell them this is a circumstance that will not limit you or define you, and here are some resources and education materials and opportunities in that area that can help you better understand what you're living with and how that you can overcome that, just from the census standpoint, because It doesn't have to be something you have to overcome in life, per se. It just has to be an accommodation you make, because you can't see when other people can right. And it is all about mindset.   Michael Hingson ** 26:13 It is all about mindset. No doubt about it, you're absolutely correct in that regard. And it is, it is something that we'll all be dealing with for a while, but hopefully over time, the mindset of people will change to recognize that there are always alternatives. Being a Star Trek fan, I love Spock and Kirk who are always talking about there are always options, and there are always ways to get around doing things or to accomplish things that you might not think about, but you have to be multi dimensional in your thought process.   John D Marvin ** 26:52 Well, the other exciting aspect of all of this is the the fact that those with growth mindsets are working diligently on technologies that can actually supplant the deficiency and come up with ways to correct blindness. And so there we may even, in our lifetime, live to a point where the pathological condition that you were born with doesn't have to be permanent. It can be reversed using technology that provides you with as good, if not better, vision than people who weren't born in that same situation.   Michael Hingson ** 27:33 Yeah, the only people who never will come out of it are politicians, because they take dumb pills when they become politicians. So we can pick up them.   John D Marvin ** 27:40 Well, listen, just you could be blind and still be able to see, right? Yeah, that   Michael Hingson ** 27:47 leaves them out. Yeah. No, I understand. I understand they're fun to pick on. But you what? What really made you decide to go into the eye care industry, into that, that whole environment, what, what attracted you to it, or was it just sort of so natural? Well, obviously, that's a mindset. Yeah,   John D Marvin ** 28:10 there's a couple of things. Think the thing that attracted me to kind of eye care in general, and put ophthalmology and Optometry in the same bucket for this. What attracted me to was this whole area of health care that I kind of grew up in with my father and family practice in a small town. Because, you know, my family practice in the 60s and 70s was a whole different discipline than it is today. Oh, I know, you know, especially in a small town where the closest specialist, if you would, is 90 miles away. And so my father had to be what we call today, functionally, you know, a functional medicine, meaning that he had to be able to kind of treat the whole person. I mean, he used to be very proud of the fact that a large percentage of the kids that were in the school that I grew up in, he delivered and so, you know, there was no obstetrician in this small town. So if a woman became pregnant, then he provided her prenatal care. He gave, he delivered the child, and then he gave the provided the pediatric care afterwards. And so having that sense of kind of the global care of of someone kind of gave me a real appreciation for the kind of the system, the the systemic aspects of health. And when I was given an opportunity to get into the eye care business. Because I saw it more as getting into the healthcare business, and even though it was very narrow, defined in eye care, it gave me a connection. And I I'm a big believer that you start down a path and you follow it. And what maybe forest and trees and gardens, they may turn into desert or mountains or valleys or otherwise. So when I started, I really didn't know necessarily where it would go. And I guess you could even back it up and say that my whole entry into the pharmaceutical industry kind of started me down that path and and then that led to being in the practitioner side, which ultimately led to going from ophthalmology into Optometry. I frankly think that all of that background best prepared me to do what I'm doing today, and understanding the whole system of eye care, not just refractions and glasses and contacts, right?   Michael Hingson ** 31:11 Well, you know, and you started out in in the whole marketing world, as opposed to going off and becoming a doctor directly, which which gave you a different perspective. So it really makes sense as to what you're saying and it but you've had exposure to both sides, and that has to really help you in terms of doing the job that you've chosen to do.   John D Marvin ** 31:38 Yeah, I think you're right. I remember having the discussion with my father because as I was like a junior in high school and, and as most juniors you know, you start thinking about what you're going to do when you graduate high school and, and I was graduating high school at a time that I had a draft number given to me, there was a war over in Vietnam that was still going on, and so I, you know, there for a period of time, I didn't know whether I would even have a choice. Yeah, it turns out by the time I actually that last year between junior and senior, the war had really started to wind down. And while I got a draft number, it was very high, and the likelihood of me actually being drafted into service was very low. And so I made some decisions about what I was going to do post high school, and I remember having the discussion with my father about would he be disappointed if I decided I didn't want to be a physician? And he assured me that he wouldn't be disappointed, but he was curious as to why I was not interested in doing that, and I told him, I said, just to be candid, I don't know if I want to work as hard as you do, because at that time, I had spent many Christmases with him, not at home, even though, our town, I mean, you could almost walk to the hospital. Our Town was small enough that, but he was taking care of people in the hospital on Christmas Day or delivering a baby on Christmas Day, and he just, you know, it was clear that in that profession, the way he practiced it in those days was that the patients came first, and the family understood that. And we were all in the doctor business to in that respect, and this whole concept of work life balance was, you know, no one looked at things like that. I mean, everyone understood that this was a commitment that had been made, and it involved the entire family. So I told him, I said, I don't know if I'm willing to do that or not. And so I thought at that time, I decided that I was going to pursue a career in theology, and so that determined where I went to school. And about after my first year in school, I the university I had chosen, their whole theological department was more pastoral, and I wasn't interested in that. I was more evangelical. I was more interested in being an evangelist and and so I not having that in front of me. I decided that it switched to a marketing degree. And it turns out that to be a pretty good evangelist, you got to be a little bit of a marketing person yourself. Anyway, true. So, so I ended up going down that path.   Michael Hingson ** 34:53 Well, I would say if you had chosen the pastoral approach, you would have been working just. Just hard as a doctor. Oh, very much. So, yeah, but I guess I would also ask this whole issue of not working as hard given what you do today, how's that working out for you? Well,   John D Marvin ** 35:14 those were words of a very naive young guy. Yeah, because I didn't take I didn't understand the fact that if you're going to accomplish anything, it's going to require hard work, and you need a family that understands what your what your passion is, and what you've decided to do, and because it is, I mean, no one builds a career by themselves. They they build a career with the involvement and support of other people, and if, if they, if those beliefs aren't aligned, then you're going to end up in conflict and be constantly be torn between what it is you believe you're wanting to do with your life, versus your obligations, your other obligations. And put it   Michael Hingson ** 36:04 that way, well, you've been involved in the whole mindset and activity of being a business leader for a long time. What kind of key lessons have you learned along the way about personal growth?   John D Marvin ** 36:21 I think the thank you for that question. I think the one thing that I have learned, that I've tried to pass on to people is start, begin we I think that we naturally have this reluctance to take risk, because we don't want to fail at anything and and so we kind of take the approach that, well, if I want to pursue something, whether it be personal development or growth or even some profession, I need to know everything there is to know about it before I start it. And that is just not true. The only way you learn is by starting I have a friend and acquaintance who his career and his profession is leading people on climbs of Mount Everest. So that's his job. If you want to climb Mount Everest, I can hook you up with a guy that will help you do it. And it's a fascinating profession that he's in. And I asked him one time, how do you learn how to climb mountains. You know, how do you learn this? He said the only way to learn how to climb mountains is by climbing   Michael Hingson ** 37:46 mountains. I was gonna say, to do it, yes. And   John D Marvin ** 37:49 so I think the number one thing is to start. And if you're committed to it and you start, you'll figure it out. The rest of it, because there are no failures, there's maybe a setback or two, but as long as you keep focused on where you want to be and moving forward and getting better and learning, you'll figure things out. And I think so personal growth is really a decision and a commitment to continual learning, continual improvement and and you're never too late to get started. It's never too late, even if you're at 80 some years of age and maybe limited health wise, you can still start because there's so much, there's so many different resources today that are available to people. I mean, I got an iPad Mike, that's, I bet you I've got three 400 books on it. And, you know, used to be you couldn't have three or 400 books without a library in your house. Now you can have one iPad on a memory card. And I was just, I had a doctor's appointment earlier today, and while I was waiting in the reception, I pulled out my phone and I started reading a book that I'm reading, you know, and I had, didn't have to carry the book The lot of people do, lot of people have, but I was able to do that. And then there's what's available in terms of resources, of books to read are just unlimited. So I think that there's, there's all sorts of opportunities, just a matter of getting started and doing it. Second is consistency. Everybody can start. Few people can be consistent, or few people are consistent. We all know the classic, never if you're if you're someone who goes to a gym and works out, you know. Avoid that gem the first month of the year in January, because it is overrun with people who are starting their new year, and then by February, you also know that you're back to normal, because most people don't stay consistent. So starting and then becoming consistent are the two things that are probably most important, that I've learned   Michael Hingson ** 40:25 well, and that kind of leads to something I was thinking about, and that is the connection between mindset and long term achievement. Because it would seem to me that, as you point out with the gym, the people who create the mindset that I'm going to do this and really decide that that's what they're going to do, are more likely to have analyzed it and made that decision intelligently and then we'll stick with it, than people who just go off and say, I'm going to do it, but really haven't established A mindset, right?   John D Marvin ** 40:59 That's exactly true. And you know, people tend to focus on volume as opposed to continuity. And what I mean by that is people go to the gym and they they put all this intensity into the first day they haven't worked out in weeks or months, or even maybe a few years, and then the next day they're so sore they can't get out of bed and they can't so they decide they're going to take the next day off rest, and then that turns into a week off. And I'm a student of John Maxwell, the author, and he talks about what he calls the rule of five, and he illustrates it by saying that if you have a tree in your backyard that you're wanting to take out, you can take an ax and you can go out there and you can swing that Ax five times, and put down the ax and come back tomorrow morning, hit it five times. Come back tomorrow morning, hit it five times. And over a period of time, that tree will come down, or you can go out there and just try to chop and chop and chop, and that tree will defeat you, because you will run out of energy and you'll be too tired to finish it, but if you'll just be consistent over a time with the rule of five, and he talks about it in any profession, if you want to get good at it, figure out what are the five things you need to do every single day to grow in that direction and to accomplish what you need to accomplish. And so I think that you're right that over a period of time, long term success is not done through intensity. It's done through consistency. And he also says, you know, you're never going to change anything in your life until you change what you do daily? And that is very, very true.   Michael Hingson ** 43:09 I know I haven't really been the greatest at doing a lot of exercising and so on, and a lot of walking, and especially here in the winter, it gets really cold, and so I tend not to do it. But what I figured out, actually, a couple of years ago was we have a wonderful, great room with an island in the middle of it, and I will just put on a book and listen to it and do laps around the bar, and I'll get up to 10 and 15,000 steps a day just walking around the bar. Now it's not going uphill and downhill, but still a lot of good exercise. And I find that not only does that work, but I enjoy it, because I get to read at the same time or do other things. Of course, my dog probably thinks I'm nuts, and my cat, my cat avoids me. But by the same token, you know, it is exercise, and I found that I have no problem really doing that every day, absolutely.   John D Marvin ** 44:12 And you know, we we live in a gym, yeah, and whether it's your room, your great room with an island, or whether it's a backyard or your neighborhood, we lived in a gym. I think that was illustrated in one of the Rocky movies really well when he was held up in northern Russia and just worked out using the materials that were with him. And so there really is no excuse to doing something, and doing something is better than doing nothing at all, and doing something every day will deliver unbelievable results over time.   Michael Hingson ** 44:59 It's a. All about establishing the mindset. Yes, it is. Well, you know, you've done this work for a long time. What kind of advice would you give to people starting out to help them get the mindset and achieve what they want to do with their goals?   John D Marvin ** 45:19 Well, first of all, I think developing and writing a personal growth plan, and I mean writing, setting down and starting, for instance, I made a decision several years ago that I wanted to get better at communication. So that was a decision. And the side of all the things that I wanted to try to commit to developing or growing in or learning, I picked communication. Why did you want as one of it? Because I felt like it was extremely important that you never accomplish, or I didn't believe that I was going to accomplish what I wanted to in life without the ability to communicate well with others, whether that be my spouse or whether it be the people I work with the customers I serve. I wanted to be good at communicating. I wanted to become good at that. I also had a friend tell me one time said, you know, if you will read five books on any subject, you'll know more about that subject than 99% of the people. And so I decided, Okay, I'm going to find five books on communication, and I'm going to commit myself to reading those over the course of the next year. And I just, you know, went out and started trying to determine what are really good books about communication. Some of them I kind of knew, like How to Win Friends and Influence People. That was one that I knew. Okay, I'm going to put that one on the list. Now I need four more, and one of them I knew that John Maxwell had written. So I you know, everybody communicates, but few people connect, and I said, Okay, I'm going to be another one. So I just kind of put together my little library of five books, and I started so I had developed very narrow and limited, but I had developed my own personal growth plan as relates to communication. So as I would tell my grandson, or I would tell a friend, if you want to start on developing a mindset and developing personal growth, sit down and make a plan for what you're going to do. And it's interesting, because if you'll ask people, tell me about your and I do this with people who work for me, and when I'm hiring, tell me about your personal growth plan. What is your personal growth plan? And you know, most people don't even know what I'm talking about, so they start making stuff up, and it becomes real obvious that they don't have one. From my employees, I require that as a part of their job and their annual performance review, we go over their personal growth plan. I want them to become more valuable over the course of this next year, because to themselves, because if they do, then they become more valuable to the company, right? And so I would instruct somebody to sit down and start and make a plan and identify something you want to be better at and and start growing in those areas that that described as starting with communication, has grown now to seven different areas in my life, and I've got at least five, in some cases, more books in each of those areas. And so I've got a very busy personal growth plan that I I work on each year.   Michael Hingson ** 49:12 Do you find that, as you read books on these subjects, as you're dealing with your personal growth, that in reality, you know a lot of the stuff already, at least to a degree. But by the same token, reading what others have written tends to drive the point home a whole lot more. And I ask that from the standpoint of common sense.   John D Marvin ** 49:40 Well, I think so. I mean how to win, which   Michael Hingson ** 49:42 doesn't mean that you don't learn things from the books, but, but a lot of it is, is stuff that you Intuit   John D Marvin ** 49:50 Yeah, I think that you know, a great example that comes to mind is How to Win Friends And yes, people that book, if you read it, it's like, well, yeah, naturally. Of course, but if you read it and you focus, you know, if you read it with the attitude, I want to learn something from this, then you begin to internalize what you're reading. And as you internalize it, you develop more cognitive, a cognitive awareness of it. And what I find super interesting is that book is on my list every year, so I commit myself to read that book every year. So now you know, this year will be probably my 15th, 16th time reading it. What I find fascinating is, I'll read the same chapter I've read, and I'll learn something new, something new, yeah, each time. Because, much like the saying about you can't step in the same stream twice, because it's not the same stream and you're not the same person. Same goes with reading material. You can read that book a second time, and you'll get something out of it, because you're not the same person that you were the first time you read it. And as you mature in your understanding, you get more knowledge out of the reading. Yeah.   Michael Hingson ** 51:17 Which? Which makes perfect sense, which also says a lot about the quality of the author. But you're right. You will always, if you look for new things to learn, you'll find new things to learn absolutely, which is what makes it so cool. And I I tell people all the time, and I'm not sure they always understand it. If I'm not learning at least as much as anybody else by being involved in this podcast, then I'm not doing my job. Because I believe every episode gives me as much, if not more, of an opportunity to learn as guests or all the people who listen, which is why I think it's so much fun, because I think that learning is as fun as it gets.   John D Marvin ** 52:05 It is, I mean, you're absolutely right, you know, they also, there's a you never learn anything quite as well as when you have to teach it, yeah, you know. And in a way, by hosting a podcast, your your preparation for it, you're setting down, your concentration on it forces you to absorb from every interview that you do, and you can't help but walk away with being different than it was when you sat down to start it. Yeah,   Michael Hingson ** 52:42 one of my favorite books is a science fiction book written by Robert Heinlein. It's called the Moon is a Harsh Mistress. And I don't know whether you read my science fiction. I   John D Marvin ** 52:52 don't, but that sounds interesting. So   Michael Hingson ** 52:54 the basic premise is, it takes place in 2075 there's a hint, and it's all about the moon, which is being controlled by the lunar authority on earth. And it really parallels the American Revolution. The difference is that a computer on the moon, as they put it, wakes up and helps in doing the revolution that eventually gets Moon free from the earth, but one of the major characters is Professor Bernardo dela Paz, who is a teacher. And one of the things that the that the storyteller describes on a regular basis is how Professor dela Paz can teach on basically any subject, as long as he stays at least one lesson ahead of the people who he's teaching, which often does. So he teaches so many different things, but all he does is works to stay just a little bit ahead of the people that he's teaching, so that he can go back and teach it, and of course, as as you and I would say when he's teaching it, he also learns a whole lot more. But I think it's such a clever book.   John D Marvin ** 54:11 It sounds like it science fiction, but if I if that, when that strikes me that'll be one I put down to read.   Michael Hingson ** 54:23 I think it's the I believe it's high lines better. His best book. A lot of people talk about another one called Stranger in a Strange Land, which is about Mars and the earth. But I think that the Moon is a Harsh Mistress. Was his best book, most imaginative book, which is kind of fun, yeah, but you know, it's, it's, it's just one of those things that I've just it's always stuck with me that dela Paz did that well. So over the time, being the president and CEO of Texas State Optical, i. Uhm, how has that shaped or changed your your views on leadership? Because I'm sure you've, you've had lots to do and lots to think about. I'm sure it's had an effect on you.   John D Marvin ** 55:12 Yeah, I, I think the biggest impact has been it's, it's of what it's required of me in in developing my leadership abilities and deep and making those abilities effective towards an outcome. And let me try to shed on that I mentioned earlier. I'm a student of Maxwell, and Maxwell has a definition of leadership is influence, and and he said leadership is is influence. It's nothing more than that. And, and so at first I didn't know what that meant. And then, as he goes on to explain, and it makes sense, oftentimes, you will, the leadership is not a matter of title. It's not a matter of position. Leadership is influence and the ability to influence. And you can walk into a room and you will observe the group, and in one corner, maybe somebody that is obviously the focus of the attention of the others, and that person is exerting leadership influence. They may not be the may not have title, and they may not be in any position of authority over the others, but the others will follow that person, because that person has influence on them. And so I've in my understanding of that, and then trying to live that I've seen that develop in my own ability. And then I have to sit down and say, okay, if I'm going to be a leader of my team, my executives that will report to me, how am I going to provide that influence. And so you begin to break that down and try to figure out because everyone's different. I mean, I I have four people that report to me, each one of them, I will have to affect and influence those people differently. And it starts with understanding them. And so what it's done is it's helped me to really understand that principle that offered by Maxwell, and then how to incorporate that into my life, so that I feel now confident in my ability to be a leader of any group or situation I find myself in, and I've just agreed to accept a new responsibility in a trade association, and I have confidence that I can provide a strong level of leadership, not because I'm the smartest person in the room, but because I have the ability of providing influence over that organization or in that group through better understanding of others that I Have a position over, so to speak. But you know, it's like the best arenas to develop leadership is a volunteer organization, because that's the only way you're going to get anything done, is to have influence, because these people don't have to do anything that you say. And so oftentimes, if you have the authority, you misuse it, and you provide nothing in the way of leadership to a group. That happens all the time.   Michael Hingson ** 59:13 I think that too many, and I use the term in quotes, leaders, think that the whole idea is that they're the boss. Well, bosses are not necessarily leaders, and you're right. Leaders are not necessarily bosses. Directly. It is all about influence. And unfortunately, all too often, the people who have influence may not be the designated leader, but then the leaders or bosses get jealous of those people, which is also extremely unfortunate they don't get it.   John D Marvin ** 59:45 It's a it can be threatening if you're a boss and you've got people that are supposed to report to you and they're listening or being influenced by someone else who may not be. Intentionally trying to subvert the boss. It's just they, they're more effective in that and so that's threatening. And so oftentimes, given that authority, they misuse it. And   Michael Hingson ** 1:00:15 the good leaders, however, when they see that happening, will try to go and understand from in part, the person who's the real influencer, what it is that they need to improve on to be able to be more effective. But that happens so rarely, by comparison to the number of people who are out there.   John D Marvin ** 1:00:38 Yeah, it's too often politics, and I don't mean that in the government sense, but corporate politics determines positions of authority, and you end up with a bunch of very ill equipped people with an awful lot of leadership responsibilities, but lacking in any kind of real leadership skill,   Michael Hingson ** 1:01:02 yeah, which is something that we need to devote more time to teaching, but people also need to be willing to learn it, and that gets to be a challenge. Well, I have to tell you, this has been fun, and I know you have other things to do in the course of the day and enjoying the weather down there, so I want to let you go, but I really have enjoyed having you on and I've enjoyed all the different insights that you've brought. So I really appreciate you being here to do all of that. So maybe we'll have it again. That would be kind of fun.   John D Marvin ** 1:01:41 Well, my I've thoroughly enjoyed this as I mean, you make it so easy to visit. You're You're a tremendous host and good interviewer, good questions. You threw a couple at me there that I had to really stop and think about. And so anytime you'd be willing to have me back. I'd love to join you again sometime.   Michael Hingson ** 1:02:02 Well, I want to thank you, and I want to thank all of you for listening and watching us today. We really appreciate you being here. I'd love to hear your thoughts on today and what we've talked about. You're welcome to email me. It's easy. It's Michael, M, I, C, H, A, E, L, H, I, at accessibe, A, C, C, E, S, S, I V, e.com, or go to our podcast page, which is at www dot Michael hingson.com/podcast, and Michael hingson is spelled M, I, C, H, A, E, L, H, I N, G, S O, n.com/podcast, if you know anyone else who you think ought to be a guest on our podcast, love to hear from you. We're always looking for more people to chat with. And in part, my motivation is I want to learn too. But the more people who come on, the more people we get to learn about who themselves are unstoppable. So please don't hesitate to refer people to it. And you know, John, you as well. We really value that wherever you listening, give us a five star rating. We value that. We appreciate your ratings and and love them. But once again, John, I want to thank you. This has been absolutely fun, and I'm glad you came   John D Marvin ** 1:03:13 well. Thank you. Thank you very much.   Michael Hingson ** 1:03:20 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.

Oekraïne moet zich voorbereiden op een zomeroffensief, zeggen militaire experts. Want Rusland lijkt voorlopig geen interesse in vrede te hebben, blijkt ook wel uit de hevige bombardementen elke week. Dit weekend noemde Trump Poetin daarom zelfs ‘'gestoord''. Wel krijgt Oekraïne nieuwe mogelijkheden: alle beperkingen op het gebruik van westerse langeafstandswapens worden opgeheven. En dat betekent dat Oekraïne vanaf nu doelwitten nog dieper in Rusland kan raken.Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de KruifZie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

Het gaf een beetje hoop, maar de gesprekken tussen Oekraïne en Rusland van afgelopen week hebben niet geleid tot een wapenstilstand. Dat werd dit weekend ook wel duidelijk, toen Rusland de grootste droneaanval op Oekraïne uitvoerde sinds de start van de Russische invasie in 2022.Israël is een nieuw offensief in Gaza begonnen. Europese leiders zijn diep geschokt over de situatie van de Palestijnen in dat gebied en roepen Israël op om te stoppen met de nieuwe aanval. Ondertussen komt de NAVO-top eraan. De thema's: de Russische dreiging en defensiebudgetten. Want, hoeveel gaat Nederland straks uitgeven aan defensie?Jos de Groot bespreekt het met generaal buiten dienst Peter van Uhm en minister van Defensie Ruben Brekelmans.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

Voor het eerst in ruim drie jaar zou er vandaag direct tussen Oekraïne en Rusland worden onderhandeld. Locatie: Turkije. Grote afwezige: Poetin. Wat betekent dit voor de onderhandelingen? En een half miljoen Palestijnen dreigen te verhongeren. Het Israëlische leger blijft humanitaire hulp blokkeren. Nu al moeten 70.000 kinderen en 17.000 moeders acuut worden behandeld vanwege ondervoeding. Dat en meer bespreekt Lauren Fabels met generaals buiten dienst Peter van Uhm en Mart de Kruif. Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

Oekraïne slaat terug aan het front: het heeft de aanval ingezet bij Kursk en zegt dat het zelfs het initiatief bij Pokrovsk in handen heeft. En Rusland, dat blijft grote aantallen soldaten verliezen. Israël zegt dat het overgaat tot een nieuw offensief in Gaza en dat het redden van de gijzelaars niet meer de eerste prioriteit is. Wat staat Gaza te wachten? En we hebben een jubileum - het is de 100ste aflevering van Veldheren. Zoals altijd gaat Jos de Groot voorbij de frontlijn met generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

Misschien wel dé foto van het jaar: in Rome spraken Zelensky en Trump een kwartier met elkaar over een mogelijk vredesbestand met Rusland. Kort daarna haalde Trump online fel uit naar Poetin, naar aanleiding van grootschalige drone-aanvallen op Kyiv. De Amerikaanse president vraagt zich nu openlijk af of Poetin überhaupt bereid is om de oorlog te beëindigen — een opvallende verandering van toon.Afgelopen week deden de V.S. een voorstel voor een staakt-het-vuren, waarop Europa en Oekraïne met een tegenvoorstel kwamen. Rusland kondigde op zijn beurt opnieuw een eenzijdig staakt-het-vuren af.Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

This podcast segment unpacks rising GSE repurchase risks and the cultural landmines facing major mortgage industry mergers.------------------------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

Donald Trump wil deze week een bestand tussen Oekraïne en Rusland en lijkt daarvoor bereid tot grote concessies. Ook Poetin beweegt, hij zou ermee akkoord zijn om de huidige frontlijn te bevriezen. Afgelopen week kwamen Oekraïense, Amerikaanse en Europese functionarissen bij elkaar, nadat de Verenigde Staten Europa en Oekraïne wekenlang buiten de onderhandelingen met Rusland hielden. Deze week het vervolg. En Nederland is gewaarschuwd. De MIVD schrijft in haar jaarverslag dat de Russische dreiging richting Europa de komende jaren zal toenemen, óók bij een bestand tussen Oekraïne en Rusland. Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

This podcast segment covers a recent federal court ruling against Texas Capital Bank over reverse mortgage tail securities has sparked concerns about systemic risk to warehouse lending and Ginnie Mae's role in protecting lender interests.------------------------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

Een bombardement op de Oekraïense stad Soemy met grote gevolgen, maar volgens de Amerikaanse president Donald Trump was het een vergissing van de Russen. Op de grond is Rusland aan een voorjaarsoffensief begonnen, zegt de Oekraïense legerbaas Syrsky.Onze eigen krijgsmacht moet zo snel mogelijk paraat staan voor een eventuele inzet. Dat heeft Commandant der Strijdkrachten Onno Eichelsheim gemeld via een zogenoemde dagorder. Het is, aldus onze hoogste militair, tijd voor ‘een volgende versnelling.'Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

This podcast segment covers a recent federal court ruling against Texas Capital Bank over reverse mortgage tail securities has sparked concerns about systemic risk to warehouse lending and Ginnie Mae's role in protecting lender interests.------------------------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

Wednesday was the rare reprieve from Wall Street hemorrhaging so naturally President Donald Trump felt the need to take a victory lap. Thank goodness Trump saved us from Trump when he put the pause on most tariffs, after realizing people were "getting yippy." So what's wild about all the suffering Americans and their 401(k) accounts are enduring is, it may all come down to Trump leaning on advisor Peter Navarro's belief in tariffs. Okay, no, what's really wild about that is that Navarro was a Jared Kushner "find" from writing books on trade policy while citing an expert named 'Ron Vara.'Ron Vara doesn't exist. The name itself is just an anagram using the letters from "Navarro."Oh, and while he was out celebrating his one day blip in the green, it's important to point out the damage done the days before wont' be simpy undone anytime soon - if ever. Because we're enduring (still!) the first '100 days' of another Trump presidency, there's naturally going to be discussion of Donald and those in his orbit profiting off of a situation. Such is the case as Trump himself took to Truth Social to implore his followers to snap up stocks hours before he paused his tariff rollout. Or when Marjorie Taylor Greene (R-Ga) "bought the dip" and snapped up some plum stocks at a timely moment. As he's good at doing, Jay Bookman brought the damage closer to home in his latest op-ed explaining how the tariff uncertainties will be felt in Georgia. ------Uhm, an unknown number of international student visas are being revoked at Georgia schools and apparently in South Carolina, too. Oh, at Purdue University, now, too.

Zelensky bevestigt dat Oekraïne actief is in de Russische regio Belgorod, in de week waarin Rusland zijn geboortestad bombardeerde. Ondertussen is het nog altijd wachten op Rusland, dat tot dusver geen aanstalten maakt om serieus over vrede te praten.Netanyahu reisde met een omweg naar zijn vriend Trump in de Verenigde Staten, terwijl hulporganisaties in Nederland meer actie van het Nederlandse kabinet eisen tegen Israël. Vorige maand nam Israël een konvooi hulpverleners in ambulances onder vuur en begroef de lichamen in het zand - nu blijkt dat Israël loog over de aanleiding daartoe.Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

This podcast segment covers the Senate's pushback on the CFPB's overdraft rule, ongoing leadership changes at the Bureau, and renewed efforts to regulate trigger leads at the state level amid broader industry uncertainty.------------------------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

Rusland bereidt nieuwe aanvallen voor in verschillende Oekraïense regio's en dat lijkt een lenteoffensief te worden, zegt Zelensky.De Oekraïense luchtverdediging - die draait overuren. F-16 piloten proberen de Russische barrages af te weren en vallen ook aan, want met de westerse vliegtuigen voert Oekraïne nu ook grondaanvallen uit. Ook Nederland leverde F-16's, maar hoe worden deze toestellen nou precies ingezet? Hoe staat het eigenlijk met onze eigen luchtmacht en heeft de F-35 nou een ‘'Kill Switch'' of niet? Jos de Groot bespreekt het met met commodore en vlieger buiten dienst Frans Osinga en generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

This podcast segment covers the CFPB proposing two changes to the Fair Credit Reporting Act: one to regulate data brokers by requiring consumer consent for data use, and another to classify coerced debt under identity theft protections.------------------------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

De Amerikaanse minister van Defensie deelde oorlogsplannen in een groepsapp - en een journalist las de hele tijd mee. Oekraïne en Rusland hebben bijna een staakt-het-vuren op de Zwarte Zee. De Russen zeggen akkoord te gaan als een paar westerse sancties tegen hen worden opgeheven. Europa - dat moet in 2030 een geloofwaardige defensiemacht zijn. De Nederlandse krijgsmacht wil daarom het aantal militairen verhogen naar 200.000 en begint aan de misschien wel grootste reorganisatie sinds het opschorten van de opkomstplicht en de omslag van dienstplicht naar een beroepsleger. Gaat dit lukken? En waar moeten al die soldaten vandaan komen?Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

This podcast segment discussion examines the future of Fannie Mae and Freddie Mac amid ongoing conservatorship debates, the financial and political barriers to privatization, and the potential impact of converting commercial properties into residential housing as a response to market shifts and urban vacancies.----------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

Rusland en Oekraïne staken voor dertig dagen de aanvallen op elkaars energiesector en infrastructuur. Dat is de uitkomst van het langverwachte telefoongesprek tussen Trump en Poetin. En dat terwijl Rusland in de regio Kursk in hoog tempo terrein terugwint. Europese leiders denken ondertussen na over de herbewapening van ons continent - die moet over 5 jaar voltooid zijn, zegt commissievoorzitter Von der Leyen. Israël schond het staakt-het-vuren met een zwaar bombardement op Gaza dat honderden mensen het leven kostte. Was Netanyahu ooit van plan zijn troepen terug te trekken? Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

This podcast segment covers as Congress considers slashing CFPB funding to zero, mortgage industry experts discuss the potential compliance chaos, the shift toward state oversight, and the broader implications for lenders navigating evolving regulations.----------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

Zo zetten de Verenigde Staten hun militaire steun aan Oekraïne stop, en zo wordt die ook weer hervat. En niet alleen dat: de VS en Oekraïne zouden het eens zijn over een wapenstilstand en leggen de bal bij de Russen. En nu ons bondgenootschap met de Amerikanen wankelt, dringt zich een cruciale vraag op die we vandaag in Veldheren proberen te beantwoorden: kan Europa zichzelf verdedigen zonder hulp van Amerika?Daar hebben we hulptroepen voor ingeschakeld: generaal buiten dienst Ton van Loon is te gast.Jos de Groot bespreekt het zoals altijd met generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

This podcast segment covers key developments, including the passage of HR695 for Medal of Honor recipients, proposed SBA loan restrictions, ongoing budget negotiations, and the broader economic concerns surrounding rising debt and government spending.----------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

04 Mar 2025. Wissam Breidy, CEO of HRE Development, joins us to talk real estate with a purpose. Plus, CEO Dino Varkey told Reuters that the UK is a key source market for the UAE, after Britain put 20% tax on private school fees. And energy demand in Dubai climbed 5% last year, according to DEWA. We get the thoughts of economist Daniel Richards on his estimate/assumption for UAE population growth last year and in 2025.See omnystudio.com/listener for privacy information.

Een nieuw, treurig jubileum: drie jaar oorlog in Oekraïne. Geen reden voor Donald Trump om zijn toon te matigen: hij noemde Zelensky, de gekozen president van een belaagd land, een dictator. Diezelfde Zelensky snakt naar vrijheid en veiligheid, en wil zijn presidentschap best opgeven in ruil voor NAVO-lidmaatschap voor Oekraïne. Wat zijn de geleerde lessen na drie jaar oorlog op ons continent? En hoe staat onze eigen krijgsmacht ervoor? Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

David Waldman counts down the days until our national apocalypse, yet with so many tied down the backstretch, this race is a tough call! For supposed “auditors”, nothing about DOGE adds up. Monday, Elon gave federal workers until three to… Uhm, today Elon gave federal workers until three to… Tomorrow, Elon will give federal workers until three to… Trump could barely get a semi-fired up today, as his EO has ED. Musk was able to cut 20 DOGE staff today who couldn't look themselves in the mirror anymore. Meanwhile, “fired” staffers keep finding themselves “unfired”. Those who did send in responses will have the answers fed into AI and anyone determined to be funnier than Musk will be dismissed immediately… (Those people would also be expected to be more liberal, naturally.) DOGE's dealings are illegal and even unconstitutional, but now the challenge is determining who is DOGE's head douche. Trump is so opposed to leaving a paper trail that he skips on chances to cover his own ass. DOGE was designed to attack liberals, but it terrifies the ever-loving crap out of Democrats, which was “Job One” for Donald K. Trump. Donald can now leave the Lib cleanup operation to Don Bongino and Don Jr.'s “hunting buddy” who will instruct the FDA to move infant formula by the kilo from this point on. With the US out of the way it is now time to Make Axis Great Again for our new conquest over our old allies. With such colossal corruption, who's to notice the little stuff, like a Florida congressman assaulting women at night along the Wharf? At least that's what the U.S. Attorney's Office thought when they tossed his warrant into the trash.

This podcast segment covers Fannie Mae and Freddie Mac's latest memos, highlighting appraisal improvements, the growing importance of asset validation for underwriting, and the need for strong business continuity and information security policies.----------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

Uhm...that's not my baby. Hour 3 2/19/2025 full 2149 Wed, 19 Feb 2025 22:00:00 +0000 rei2Zf0SJqRZVxQn2NyfHn0bXUwhQLnm news The Dana & Parks Podcast news Uhm...that's not my baby. Hour 3 2/19/2025 You wanted it... Now here it is! Listen to each hour of the Dana & Parks Show whenever and wherever you want! 2024 © 2021 Audacy, Inc. News False https://player.amperwavepodcasting.com?feed-link=h

Op de grond in Oekraïne gaat het nog elke dag hard tegen hard: afgelopen zaterdag was volgens de Oekraïeners de zwaarste dag van 2025.En dat te midden van een geopolitiek schaakspel dat zijn weerga niet kent. Nu al zegt Amerika dat Oekraïne geen lid zal worden van de NAVO, en het verdere lot van Oekraïne bespreken Trump en de zijnen met de Russen - Europa zit niet aan tafel.Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

This episode unpacks the CFPB's $700 million budget debate, HUD's push for efficiency, and the broader impact of government oversight on housing policy and lending programs.----------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

Oekraïne is een nieuwe aanval begonnen in de Russische regio Koersk, zegt Zelensky. Maar daar stuit het Oekraïense leger wel weer op meer verzet, want de Noord-Koreaanse soldaten zijn terug op het slagveld. Trump zegt dat hij al met Putin heeft gesproken over de oorlog. Deze week is Zelensky aan de beurt. Maar volgens experts wil Putin nog helemaal niet over vrede praten. En in het Midden-Oosten lopen de spanningen weer op: waar Israël het bestand schendt, dreigt Hamas deze week geen krijgsgevangenen vrij te laten. Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

This week's Legislative Update covers key government nominations, the CFPB leadership shake-up, and potential housing policy changes that could impact the mortgage industry.----------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

Een kleine overwinning voor Oekraïne: Noord-Koreaanse soldaten hebben zich teruggetrokken uit Kursk na grote verliezen daar. Zelensky laat wel weten dat hij bereid is tot vredesonderhandelingen met Poetin. Ondertussen meldt de VN dat het aantal Oekraïense soldaten dat wordt geëxecuteerd door Rusland zorgwekkend is gestegen.In Brussel was er deze week een EU-top en die ging eigenlijk maar over één ding: defensie. Bereidt Europa zich voor op oorlog? En president Donald Trump? Die wil de Gazastrook overnemen.Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

This segment discusses recent legislative updates, including the CFPB's non-bank reporting rule, potential FHA MIP reductions, and the ongoing housing affordability crisis, highlighting modular home manufacturing as a possible solution to supply shortages.----------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

Ook deze week verliest Oekraïne terrein. Dat zou onder meer komen - zegt een Oekraïense commandant - door gebrekkige training die soldaten zouden krijgen in het westen.Trump verhoogt de druk op Poetin om de oorlog te beëindigen. Maar hij verhoogt ook de druk op Denemarken, want hij wil Groenland - reden voor Denemarken om haar militaire aanwezigheid in het Noordpoolgebied te verhogen.En deze week kwam het rapport van de Commissie-Sorgdrager, waaruit blijkt dat een gebrek aan inlichtingen leidde tot veel burgerslachtoffers bij een luchtaanval op een bommenfabriek in de Iraakse stad Hawija.Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

Trump is officieel de nieuwe president van de Verenigde Staten. Poetin liet meteen weten dat hij wil praten over Oekraïne en nucleaire wapens. Wat kunnen we van toekomstige onderhandelingen verwachten en hoe onderhandel je eigenlijk? Daar gaan we vandaag dieper op in - al lijken die onderhandelingen op slagveld in Oekraïne nog ver weg.In het Midden-Oosten resulteerden onderhandelingen inmiddels al wel uit in een akkoord. Na 15 maanden strijd en leed werden Hamas en Israël het eens over een staakt-het-vuren.Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

The segment discusses proposed FHA loss mitigation changes, including increased loan limits and revised policies, urging industry feedback by December 23rd, while highlighting concerns over tight deadlines and the need for experienced leadership in housing policy.----------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

The discussion covered FHA's proposed rental income flexibilities, insights on HUD's new leadership under Scott Turner, and the ongoing need for modernized housing policies and technology improvements at HUD and Ginnie Mae.----------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

This segment explores the FHA's actuarial report, its implications for MIP premiums, and how evolving market dynamics are impacting borrowers and lenders in the mortgage industry.----------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

The FHFA has proposed a new rule to enhance governance within Federal Home Loan Banks by modernizing board requirements, clarifying expertise standards, and implementing conflict of interest policies, with a public comment period open until February 3rd.----------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

Welcome back to Oddities the podcast where no topic is too *~*StRaNgE*~*! Another week another interesting episode!!! First up the very beautiful tradition of Día De Los Muertos, sit back and learn how one laughs in the face of death and honors their loved ones that pass away. Up next the very vey spooky legend of Hanako-san...Uhm...Japan...Are you okay??Support the showFollow along on social media:FacebookInstagramWebsiteEmail: Oddities.talk@gmail.comHuge shout out to Kyle Head for our awesome new intro! Check out his amazing Music! Thank you Mana Peach for our adorable prattling cows! Check out her designs!Check out Lindsey Bidwell's designs (merch and new logo!)Check out the Moose Cottage! Check out our merch!

This week's highlights three FHA mortgagee letters open for feedback, covering extended cyber incident reporting requirements, guidelines for nonjudicial foreclosures on secretary-held liens, and proposed changes allowing DE underwriters to work part-time while still being employed by a single company.----------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!