Podcasts about UPB

¿Cómo vivir al cien más allá de los 100? Esto nos lo cuenta el doctor Owaldo Restrepo, médico egresado de la UPB en Medellín y con especializaciones en epidemiología, medicina del estrés, medicina preventiva, medicina de estilo de vida y epigenética entre otras, en su libro que recoge el trabajo con pacientes a través de los años y en el que nos da recomendaciones para tener una vida sana y equilibrada. ¿Qué es el plan del alma y cuál es el sentido que tienen todas las cosas que experimentamos en nuestra vida? Mónica Urrea Franco, abogada y terapeuta del alma nos explica paso a paso, cómo entender y reconciliarnos con todo lo que sucede en el presente. 

In this episode, I explore key questions from our community, starting with reflections on my book "UPB" and its evolution in "Essential Philosophy." I share my thoughts on amusement parks, advocating for meaningful connections over crowded experiences, and discuss the complexities of communication in parenting.Delving into Nietzsche, I analyze his views on moral relativity and societal trends. We also examine modern media's distortion of relationship dynamics and the competitive nature of friendships. I conclude with insights on balancing individual freedom and collective responsibility, urging listeners to engage with these complex themes for a deeper understanding of relationships and society.GET MY NEW BOOK 'PEACEFUL PARENTING', THE INTERACTIVE PEACEFUL PARENTING AI, AND THE FULL AUDIOBOOK!https://peacefulparenting.com/Join the PREMIUM philosophy community on the web for free!Subscribers get 12 HOURS on the "Truth About the French Revolution," multiple interactive multi-lingual philosophy AIs trained on thousands of hours of my material - as well as AIs for Real-Time Relationships, Bitcoin, Peaceful Parenting, and Call-In Shows!You also receive private livestreams, HUNDREDS of exclusive premium shows, early release podcasts, the 22 Part History of Philosophers series and much more!See you soon!https://freedomain.locals.com/support/promo/UPB2025

Hey note investors! Welcome back to the channel. In this video, we're diving deep into a recent WSEN coaching call where we break down a tape of 201 notes from a hedge fund source. This is a goldmine of information for anyone looking to cherry-pick deals and potentially snag double-digit discounts. Let's get started! (Key Topics Covered)-Overview of the 201 Note Tape: Discover the source of the tape and the initial breakdown of performing vs. non-performing notes.--Understanding Legacy Notes: Learn what "legacy" means in the note investing world and why these notes can hold significant value.Geographic Hotspots: Identify the key states where the majority of these notes are located, with insights on which areas to focus on (and which to avoid).-Key Data Points: Learn about the available data like UPB, appraisal dates, origination dates, and payment history.-Payment History Analysis: Understand how to analyze payment history to identify potential opportunities.-Quick Number Analysis: How to get the value of the tape-Bidding Strategies: Get some strategies on how to put a bid on the assets in the tapes-The Advantage of Old Appraisals: How to find hidden equity by accounting for appreciation in property values.LINK TO THE ENTIRE MAPActionable Takeaways-How to leverage a list like this to scale or make some extra money.-How to get better and getting outside the comfort zone.-A high review of the list.In conclusion, whether you're a seasoned note investor or just starting out, this video is packed with actionable insights to help you identify and capitalize on note investment opportunities.Links & ResourcesSign up for WCN crew membership: HTTP://noteumbrella.comBook a call with HTTP://talkwithscottcarson.comSubscribe for more note investing tips and strategies!Watch the original VIDEO HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes PinterestGet signed up for the Next Virtual Note Buying Workshop Now!

Un nuovo taglio dei tassi, come ampiamente previsto. Una nuova, preoccupata, diagnosi dell economia. La Banca centrale europea ha ridotto il costo ufficiale del credito di 25 punti base per la settima volta da giugno portando il tasso sui depositi, quello di riferimento, al 2,25% dal 2,50%, il tasso sulle operazioni di rifinanziamento principali al 2,40% dal 2,65% e quello sui prestiti marginali al 2,65% dal 2,90%. La decisione è stata unanime, e se sono state discusse «ipoteticamente» diverse opzioni - ha spiegato in conferenza stampa la presidente Christine Lagarde - nessuno ha proposto un taglio più incisivo. Soprattutto è stata modificata la diagnosi dell'economia. Ormai l'unico riferimento alle pressioni sui prezzi, nel comunicato ufficiale, è l'«elevata crescita delle retribuzioni» che è però parzialmente assorbita dalla moderazione dei profitti: la dinamica dei prezzi, come già a marzo, è ormai orientata a tornare all'obiettivo del 2% su basi sostenibili. «Anche l'inflazione dei servizi ha segnato una marcata attenuazione negli ultimi mesi», è l'aggiunta importante ai comunicati delle precedenti riunioni: era tassello mancante, e atteso, nel processo di disinflazione. Non sembra quindi esserci più bisogno, nelle parole della Bce, di una politica monetaria restrittiva: un tasso al 2,25% è del resto in un'area compatibile con il tasso nominale neutrale (difficilmente individuabile). Lagarde ha però ricordato che il concetto di tasso neutrale è rilevante «in un'economia senza shocks», e non è il caso attuale. Anche in questa occasione Lagarde non ha spiegato meglio in che modo è "pronta a utilizzare gli strumenti a sua disposizione" ora che l'incertezza sta terremotando i mercati. La Banca centrale europea continuerà a seguire il suo approccio: deciderà i suoi prossimi passi riunione dopo riunione», sulla base delle prospettive di inflazione. La politica monetaria, ha aggiunto Lagarde, dovrà essere «pronta», e quindi «attenta a tutti gli sviluppi e in particolare a quelli dei nuovi shocks», e «agile», per avere «un approccio coerente». A una domanda sulle accuse di Donald Trump a Jerome Powell, Lagarde ha detto di avere «molto rispetto per il mio stimato collega e amico Jay Powell e noi abbiamo un solido rapporto tra banchieri centrali decisivo per avere una solida infrastruttura finanziaria». Questo rapporto continuerà «in modo imperterrito e senza cambiamenti, ne sono sicura». Intanto l'euro, che continua a veleggiare intorno 1,13 sul dollaro terremotato da Trump, toglie pressioni inflazionistiche dal campo per la Bce, ma se sale troppo si aggiunge ai dazi nel togliere competitività all'export europeo. Interviene per commentare la notizia Donato Masciandaro, docente politiche monetarie università Bocconi, editorialista Il Sole 24 Ore.Dfp: Giorgetti, quadro soggetto anche a rischi positivi. Ma per Upb 68mila occupati a rischio con i daziSi sono tenute questa mattina le audizioni alle commissioni riunite Bilancio di Camera e Senato sul Documento di finanza pubblica, che andrà inviato alla Commissione europea entro il 30 aprile dopo l'esame del Parlamento. In commissione è intervenuto anche il ministro dell'Economia, Giancarlo Giorgetti, che ha spiegato: tutte le simulazioni contenute nel Dfp "sono basate su ipotesi più sfavorevoli e pertanto forniscono indicazioni in senso peggiorativo sulla crescita e finanza pubblica. Ciò nonostante, sembra prospettarsi uno scenario meno avverso di quello messo in conto nelle previsioni ufficiali; più favorevole in termini sia di possibile esito finale della struttura dei dazi a livello internazionale, sia di variabili esogene (quali i prezzi dell'energia e i tassi d'interesse) che condizionano la crescita. Il quadro macroeconomico è pertanto soggetto anche a rischi positivi". A mettere però in guardia sull'esito della guerra commerciale in atto ci ha pensato la presidente dell'Upb Lilia Cavallari che in audizione sul Documento di finanza pubblica ha spiegato: "I dazi Usa impatteranno, tenendo conto anche degli effetti indotti, su quasi tutti i settori dell'economia italiana, con una perdita a livello aggregato di valore aggiunto nell'ordine di tre decimi di punto percentuale". E ha aggiunto: "In termini di occupazione l'effetto è quantificabile in circa 68 mila occupati totali in meno". A risentirne maggiormente, secondo le simulazioni dell'Upb, sarebbero i settori farmaceutico, attività estrattive, automotive, prodotti chimici, attività metallurgiche e fabbricazione di macchinari. Upb, insieme alla Corte dei Conti, denuncia anche che le informazioni del Dfp sono incomplete e forniscono un quadro limitato. Per una disamina del quadro offerto dal Dfp, spiega la Corte dei Conti, "manca non solo lo sviluppo programmatico (inciso dalla difficoltà di definire al momento una ricostruzione puntuale delle necessità in gioco), ma anche (e soprattutto) un dettaglio informativo determinante su diversi capitoli della politica finanziaria di breve e medio periodo: sono limitate le indicazioni sulla composizione della spesa per settori, non vi sono elementi e indicazioni adeguate sulle modifiche su cui si sta lavorando per il ridisegno del Pnrr, mancano indicazioni sulle scelte che ci si propone di assumere sul fronte della spesa per il settore della difesa. Elementi che rendono difficile valutare la tenuta del quadro complessivo e la sua coerenza con quelle che sono le priorità dell'azione di governo". Ne parliamo con Gianni Trovati, de Il Sole 24 Ore.Meloni alla Casa BiancaLa Casa Bianca ha reso noto il programma dell'incontro di oggi alla Casa Bianca del presidente Donald Trump con la premier italiana Giorgia Meloni. Alle 12.05 (le 18.05 in Italia) è previsto un lunch nel cabinet room tra i due leader (chiuso alla stampa), quindi un'ora dopo il bilaterale nello Studio Ovale (con il pool dei reporter della Casa Bianca e i giornalisti italiani). Stamattina Trump ha dichiarato: "Ho avuto un colloquio molto produttivo con la presidente del Messico ieri. E ho incontrato i rappresentati al commercio giapponesi, è stato un incontro produttivo. Tutti i Paesi, inclusa la Cina, vogliono incontrarci. Oggi l'Italia". In attesa dell'incontro un alto dirigente Usa durante una call sulla visita alla Casa Bianca della premier italiana ha spiegato che Trump e Meloni hanno una "very special relationship" è "un partner economico chiave per gli Stati Uniti, uno dei principali mercati Ue per beni e servizi americani, e ospita importanti installazioni militari statunitensi e Nato. L'importanza della lunga relazione tra gli Stati Uniti e l'Italia non può essere sottovalutata". Lo stesso dirigente ha spiegato che: Donald Trump e la premier Giorgia Meloni parleranno di dazi ma la visita non è concentrata solo sulle tariffe. Il Washington Post, il foglio della capitale Usa, stamattina ha titolato: «L Europa affida le sue speranze commerciali a Meloni, la sussurratrice di Trump». È la terza volta che Giorgia Meloni siederà nello Studio Ovale, ma è come se fosse la prima. Una prima assoluta, perché - inutile girarci intorno - incrocia interessi globali e non solo bilaterali. La premier italiana, a quanto trapela, punta a facilitare un incontro tra Trump e la presidente della Commissione Ue, Ursula von der Leyen, puntando su investimenti negli Usa e sull acquisto di gas naturale liquefatto. E dall'altra intende proporre uno scudo militare a Kiev. Proprio ieri Meloni e von der Leyen si sono sentite al telefono: Bruxelles ha ribadito che sui dazi la competenza negoziale resta all Ue. Intanto l'Unione si prepara all'eventualità di non trovare alcun accordo sul tema, lavorando alle contro-tariffe doganali nei confronti degli Usa e guardando alla Cina. Parliamo con l'inviato a Washington Vincenzo Miglietta, Radiocor.

"Should a moralist ignore consequence and argue for UPB purely on the basis of epistemology and pure philosophical merit, while ignoring the elephant in the room, which is the question we all subconsciously ask. “How does this benefit my survival?”"UPB isn't validated or invalidated by its consequences, but at the same time, discussions of UPB inevitably involve consequences. How do we reconcile this? Especially since free will is in the picture and we don't want predictions about the future to invalidate choice."For example, when asked about your thoughts on the success of UPB close to 20 years after publication, you mentioned reductions in violence against children with the expectation that this trend would continue if UPB continues to be spread. Would the theory and observation that UPB leads to reductions in violence against children be a deterministic portrayal of human beings? If we avoid discussing consequences to avoid this issue, then if someone wants to discuss UPB on the merit of usefulness towards themselves and society as a whole, do we stick to purely philosophical merit? Or do we say there are no guarantees, but it will make a desirable outcome more likely."If we use terms such as 'more likely' in order to maintain philosophical integrity, how do we out compete those who are certain/dogmatic, benefiting from the momentum of societal norms in order to ‘validate' their false theories."Regarding the first question about the relationship between moral frameworks, their consequences and free will. I was thinking that if your definition is used where free will is defined as our ability to compare proposed actions to ideal standards then UPB provides ideal standards, increasing our capacity for free will. With this increased capacity, it becomes more likely for moral outcomes to occur..."GET MY NEW BOOK 'PEACEFUL PARENTING', THE INTERACTIVE PEACEFUL PARENTING AI, AND THE FULL AUDIOBOOK!https://peacefulparenting.com/Join the PREMIUM philosophy community on the web for free!Subscribers get 12 HOURS on the "Truth About the French Revolution," multiple interactive multi-lingual philosophy AIs trained on thousands of hours of my material - as well as AIs for Real-Time Relationships, Bitcoin, Peaceful Parenting, and Call-In Shows!You also receive private livestreams, HUNDREDS of exclusive premium shows, early release podcasts, the 22 Part History of Philosophers series and much more!See you soon!https://freedomain.locals.com/support/promo/UPB2025

In this episode, I discuss Universally Preferable Behavior (UPB) with a caller looking to deepen their understanding of ethics. We define UPB as a systematic method for evaluating moral rules and explore its application through real-life scenarios, such as the ethics of assault. As we examine complex issues like fraud and societal responsibilities, we highlight how UPB addresses objections and reinforces the universality of truth. The conversation concludes with a focus on UPB's potential to reduce societal violence and its implications for parenting, encouraging listeners to reflect on the relevance of these ideas in their own ethical lives.ReferencesUniversally Preferable Behaviour: A Rational Proof of Secular Ethics (2007)https://freedomain.com/freedomain_books/universally-preferable-behaviour-a-rational-proof-of-secular-ethics/Essential Philosophy (2018)https://freedomain.com/freedomain_books/essential-philosophy/New UPB Category! (2022)https://premium.freedomain.com/65a2f807bac7190c0804513a/new-upb-category-History of Philosophers Serieshttps://premium.freedomain.com/search/history+of%20philosophershttps://freedomain.com/freedomain_books/universally-preferable-behaviour-a-rational-proof-of-secular-ethics/http://www.essentialphilosophy.comGET MY NEW BOOK 'PEACEFUL PARENTING', THE INTERACTIVE PEACEFUL PARENTING AI, AND THE FULL AUDIOBOOK!https://peacefulparenting.com/Join the PREMIUM philosophy community on the web for free!Subscribers get 12 HOURS on the "Truth About the French Revolution," multiple interactive multi-lingual philosophy AIs trained on thousands of hours of my material - as well as AIs for Real-Time Relationships, Bitcoin, Peaceful Parenting, and Call-In Shows!You also receive private livestreams, HUNDREDS of exclusive premium shows, early release podcasts, the 22 Part History of Philosophers series and much more!See you soon!https://freedomain.locals.com/support/promo/UPB2025

Sociedade Urgente: Entrevista com prefeito de Andaraí e presidente da UPB, Wilson Cardoso que falou sobre metas a frente da UPB, cidade de Andaraí e etc...

"Disclaimer: I'm not at all suicidal, and if any discourse herein convinces you suicide's a good option for you, you probably went wrong somewhere."Community challenge!"Sorry if this reads like a paralysis question; it's relevant to how I might live out the faith to which I'm in the process of converting: Would suicide violate UPB so long as anyone in creation loved or depended upon the person committing it? I should think that would definitely constitute forcing a win/lose situation. What if we're given that, and also, literally no other party would be immediately affected? The suicide would, I guess, "only" be depriving the world of some potential utility they could provide. There are people like this today (from a secular perspective). Is it just then kind of a lame and ugly thing to do (i.e, not aesthetically preferable) and far from being really wrong?""How can a smart writer write dumb characters? Can a professional gifted painter paint something similar to what a 5-year-old would paint or similar to an inexperienced adult's painting? Can Freddy sing badly? Can Gilmour play guitar like he never held one in his hands before?""Funding your enemies:"I pay for a YouTube Premium subscription. The main benefit is no ads, which saves time. And YT also has the widest range of video content on a range of subjects. "However - I also view YT as a corrupt organization that has censored and defamed good people including the one and only Stefan Molyneux"Am I not supporting my enemy? "I could cancel my premium subscription, but then end up paying with my time by watching ads (and driving CPM ad revenue for YT at the same time). "More broadly, how should I think about 'funding my enemies'? When (if ever) is this moral or just?"Thanks Stef

"Do you think a politician, say, the president of a country, could help to foster a transition to a stateless society?""How do you think the deportation of illegals will go about when Trump takes office?""Who are your favourite fictional characters""If you could invent 1 product that you believe would make the government less important, what would you invent? I know the government is not necessary now, but people believe it is, what product would make that belief less reasonable.""I enjoyed your video on inflation in the Roman Empire. The watering down of coins."What in your opinion is causing inflation now in the west? Is it similar to antiquity? Printing money?"Thank you.""Correct me if wrong. The moment you stopped covering politics was when Trump approved a massive spending bill early in his first term. Pretending I wrote this in the format of a question""Is there such a thing as 'rights'?""Is this really you?""Are women fertile in 2024?""Thoughts on asset allocation towards large cap value or growth stocks.""Will humanity survive until January 20th 2025?""Have you considered debating Andrew Wilson? Topic idea UPB vs Christian Ethics.""Thoughts on UPB aspect of using public shaming as a deterrent bad behavior in light of all the DOX, woke, behavior of the far left.""How's your health Stefan Molyneux?"I used to listen to all your reports. Then it became difficult to find you."PS"Thank you for The Story Of Your Enslavement"One of the best introductions to normies who can see how awful the political class is.""Is what will Trump eventually decide to do regarding the war in Ukraine beneficial for the country?""Not a question but I miss the days when your podcast was less about self-help and more about current issues and events. Just a personal perspective.""Are the lefties ok? When can I let them see my joy?""I am struggling with gentle parenting my stepson. Do you have any resources and recommendations that can help me? I am at my wits end.""Sometime ago you did a video on the Fall of the Roman Empire, which I consider to be an excellent piece, could you do a similar video/s on Palestine and Israel covering say the last hundred years?

Since Xmashanukkwanza has been an ongoing celebration since late September, we here at the UPB have already spent all of our allotted giving spirit for 2024 (#ThanksObama). Therefore it's time to focus on what we WANT to RECEIVE from The Beatleverse in the years to come. So this week, Crimbledee and Crimbledum list off all the major contenders on their fab wishlists, while leaving these remaining items for future wishlists:

This lecture explores the relationship between conscience and universally preferable behavior (UPB), highlighting the challenges of moral teachings in childhood. The speaker discusses how children develop their conscience through empathy and the influence of authority figures, emphasizing the need for consistency in moral principles. The impact of hypocrisy in moral teachings is examined, leading to disillusionment as children mature. Ultimately, the lecture advocates for a personal understanding of morality that prioritizes individual conscience over imposed moral rules.GET MY NEW BOOK 'PEACEFUL PARENTING', THE INTERACTIVE PEACEFUL PARENTING AI, AND AUDIOBOOK!https://peacefulparenting.com/Join the PREMIUM philosophy community on the web for free!Also get the Truth About the French Revolution, multiple interactive multi-lingual philosophy AIs trained on thousands of hours of my material, as well as targeted AIs for Real-Time Relationships, BitCoin, Peaceful Parenting, and Call-Ins. Don't miss the private livestreams, premium call in shows, the 22 Part History of Philosophers series and much more!See you soon!https://freedomain.locals.com/support/promo/UPB2022

Dalla riforma agraria alla legge di orientamento, Coldiretti festeggia i suoi 80 anni alla presenza del presidente della Repubblica, Sergio Mattarella. Per l'occasione l'organizzazione degli imprenditori agricoli lancia la raccolta digitale delle firme per una legge di iniziativa popolare che porti l'Europa a cambiare strada sulla trasparenza di quanto arriva in tavola con l'obbligo dell'etichetta d'origine a livello europeo su tutti gli alimenti in commercio. Una battaglia definita "storica e identitaria", contro i cibi camuffati da made in Italy, per la quale sono state già raccolte 300mila firme con i gazebo Coldiretti, e con l'obiettivo di raggiungere un milione di sottoscrizioni. L'iniziativa è stata presentata al Teatro Eliseo di Roma, sede scelta per le celebrazioni assieme al presidente nazionale di Coldiretti Ettore Prandini, al segretario generale Vincenzo Gesmundo e ad agricoltori provenienti da ogni regione d'Italia. Per l'evento è stata coniata dall'Istituto Poligrafico e Zecca dello Stato una speciale moneta emessa dal ministero dell'Economia e delle Finanze.È intervenuto ai microfoni di Focus Economia, Ettore Prandini (nella foto), Presidente Coldiretti.DDL Capitali come volano per la competitività delle imprese italiane in EuropaSi è tenuto questa mattina al Palazzo dei Giureconsulti a Milano il convegno "Legge Capitali: un volano per le imprese? Competitività delle regole dei mercati finanziari per accelerare la crescita del Sistema Italia", a cura de Il Sole 24 Ore, promosso da Clifford Chance, un evento che ha come obiettivo l'analisi del DDl Capitali, approvato lo scorso 27 febbraio e le sue ricadute su società e mercati. La legge introduce una serie di interventi a sostegno della competitività dei capitali e delega al Governo la riforma delle disposizioni in materia di mercati dei capitali e società di capitali contenute nel Testo Unico della Finanza e nel Codice Civile. Le misure contenute puntano a promuovere l'ammodernamento del quadro normativo italiano e la rimozione di alcuni ostacoli alla domanda di capitali da parte delle imprese, nella prospettiva del mercato unico (la cosiddetta Capital Markets Union, il pacchetto di misure europee che intendono facilitare il flusso di investimenti verso l'economia reale, per stimolare la crescita e creare opportunità di investimento, a vantaggio di investitori e aziende)Fattori di accelerazione delle riforme potrebbero venire dalle suggestioni del Rapporto Draghi e del Rapporto Letta, ma anche dalla recente approvazione del Listing Act della UE, nel segno di una maggiore competitività del nostro mercato e dell'Europa all'interno dello scacchiere finanziario internazionale.Il commento ai microfoni di Sebastiano Barisoni di Paolo Sersale, managing partner Italia Clifford Chance.Parla Giorgetti, la Manovra entra nel vivoIl Piano di bilancio presentato dal Governo prova a conciliare l esigenza di una riduzione strutturale del deficit e la necessità di non schiacciare troppo una crescita già in affanno. La giornata di ieri alle commissioni Bilancio di Camera e Senato, dove questa sera è atteso il ministro dell Economia Giancarlo Giorgetti (alle 18), è stata la rappresentazione di questa difficoltà.È in particolare Bankitalia ad addentrarsi negli snodi chiave della prossima manovra, a partire dalla misura più importante anche in termini di sforzo finanziario rappresentata dalla conferma del taglio al cuneo fiscale. Perché nel medio termine, sottolinea il capo dipartimento economia e statistica di Via Nazionale Sergio Nicoletti Altimari, con una decontribuzione senza correttivi «verrebbe meno a livello aggregato l equilibrio tra entrate contributive e uscite per prestazioni, che caratterizza il nostro sistema previdenziale e ne rappresenta un punto di forza».Alla conferma della decontribuzione è affidata larga parte dell effetto espansivo della manovra, chiamata nei piani del Governo a spingere al +1,2% una crescita 2025 che nel tendenziale senza nuove misure si fermerebbe al +0,9%. Gli obiettivi di Pil hanno ricevuto ieri la validazione dell Ufficio parlamentare di bilancio, che in audizione con la presidente Lilia Cavallari ha evidenziato «i rischi prevalentemente al ribasso» sollevati prima di tutto dalla complicata congiuntura internazionale. Nell orizzonte domestico, invece, l ultima variabile è stata data dalla revisione dei conti trimestrali dell Istat che, conferma Bankitalia, dovrebbe determinare una «riduzione meccanica» di due decimali nella crescita 2024, rendendo più lontano l obiettivo del +1% scritto nel Piano, come aggiunge l Upb.Ma a far storcere il naso all Autorità dei conti sono soprattutto le «carenze di informazioni» nel Piano, dove mancano dati sul quadro a politiche invariate e sulla revisione del calendario di spesa del Pnrr: spesa che comunque arranca, perché al 2 ottobre era a 53,5 miliardi. Solo 8,9 dei 44 miliardi in programma nel 2024 sono stati spesi. La prima prova del Piano, insomma, da questo punto di vista non è andata benissimo, e l Upb chiede che la riforma della contabilità chiamata a intervenire in fretta per rimettere su binari solidi la programmazione accolga quella «trasparenza» chiesta anche dal documento finale dell indagine parlamentare sul tema.È intervenuto a Focus Economia Gianni Trovati, de Il Sole 24 Ore.

bit of a short answer on the last one that didn't quite seem to answer the question fully, but my answer would be something like this: if UPB is true, it doesn't NEED more than one proof to establish that fact, it just needs one correct proof. Similarly, Jesus doesn't NEED four gospels, one is enough. The reason there are four of them is because they were written with different audiences in mind (Matthew for the Jews, Mark for the gentiles, John for the Greeks, and Luke for those wanting a longer version). Similarly, I suppose there COULD be different versions of UPB for people who find the existing proof to be somewhat inaccessible or difficult to comprehend — but I suppose those people could also try listening to some of the debates you had about it, perhaps they will find those more convincing.While it's certainly not necessary to have more than one proof for UPB to establish its truth value, I suppose it could in fact help convince some people who are still stuck so deeply in unreality that they find the existing proof difficult to process. Some mathematical theorems also have several different proofs for them, even though one would completely suffice. I don't think it's impossible that someone might find a different proof for UPB that's more convincing or accessible to people who are having trouble wrapping their minds around the original one, but that person would likely not be Stefan. And of course, finding such a proof wouldn't make UPB MORE true, but it might help convince more people.So I wonder if Depression is a kind of moral exhaustion , soul fatigue .Hi Stef, can you share some insights about the subject of judgment. For example in doing deep shadow work, we are told to take a clear look at our judgments and identify them and their roots causes so we can confront repressed fears, emotions and desires and eventually integrate and accept these aspects of ourselves... I had a thought that judgment evolved to help us protect ourselves and our loved ones, so the question is, how to discern between it serving us or being a destructive force or limitation in our lives?Hi Stefan. It occurs to me that until very recently women were married early and then constantly pregnant, suffering or recovering from miscarriage, or recovering from birth and breastfeeding. I wonder if this is why previously women were considered very delicate, fainting at the drop of a hat and needing looked after. Is it possible there wasn't a giant conspiracy by men to keep women down but that it was simply true? I've been pregnant or recovering nearly constantly for the last 5 years and it's very different to being on birth control. I've really started appreciating things I never cared about before such as having heavy things carried for me or being given a seat on public transport. So many of the women complaining about the patriarchy have never been pregnant and I wonder if they just don't realise how different it is and that we as a society have never experienced this before?Good question. I have 4 children so I've been pregnant, breastfeeding, recovering, and holding babies for almost 10 years now. I don't think childless women realize how debilitating it can be. I always appreciate when a man helps me with my stroller or carries something to my car.I became interested in the topic of spanking children after listening to Stef for a while, so I decided to look around and find out what people think about it. In scouring forums and discussion boards, I was honestly taken aback by the sheer numbers of people that believe hitting their kids is normal and healthy when there is overwhelming evidence that says otherwise. I thought by now societies especially in the West would have awaken to this. Even among those who don't spank they still use their position to threaten and withhold children's property as a form of punishment. I guess reasoning with their children is off the table.it seems to me that you have basically just avoided answering the question by making reference to the larger political climate and the fact that the pervasive power of the state makes it difficult for people to have any sort of rational discussion about politics. I recall that in the past, you have advocated for simply not having any people in your life that supported the "against me" argument, i.e. people who are willing to involve the government in order to settle any arguments or disputes. It seems to me that such people would be able to recognize the fact that the government equals violence and that all politics is simply a struggle for power (i.e. "grabbing the gun in the room", as you've previously put it), and would consequently also be uninterested in discussing it.If you have such people in your life, why was that not the answer?GET MY NEW BOOK 'PEACEFUL PARENTING', THE INTERACTIVE PEACEFUL PARENTING AI, AND AUDIOBOOK!https://peacefulparenting.com/Join the PREMIUM philosophy community on the web for free!Also get the Truth About the French Revolution, multiple interactive multi-lingual philosophy AIs trained on thousands of hours of my material, as well as targeted AIs for Real-Time Relationships, BitCoin, Peaceful Parenting, and over 100 Call-Ins. Don't miss the private livestreams, premium call in shows, the 22 Part History of Philosophers series and much more!See you soon!https://freedomain.locals.com/support/promo/UPB2022

Stefan Molyneux shares his views on politics, highlighting his disinterest due to perceived limitations on free will and speech. He discusses self-criticism, ideal standards, and free will, linking them to Christianity, liberalism, and atheism. Molyneux explains his Universal Preferable Behavior (UPB) framework, comparing it to the scientific method for assessing moral propositions. He envisions a society based on UPB principles emphasizing rationality, universality, and consistency in moral theories and voluntary interactions.GET MY NEW BOOK 'PEACEFUL PARENTING', THE INTERACTIVE PEACEFUL PARENTING AI, AND AUDIOBOOK!https://peacefulparenting.com/Join the PREMIUM philosophy community on the web for free!Also get the Truth About the French Revolution, the interactive multi-lingual philosophy AI trained on thousands of hours of my material, private livestreams, premium call in shows, the 22 Part History of Philosophers series and much more!See you soon!https://freedomain.locals.com/support/promo/UPB2022

Divorced, remarried, I have one boy from the first marriage and two boys from the second one. After my first son was born, I managed to gradually work myself into one of these two horrible choices: catastrophic marriage or catastrophic divorce. I chose the second one out of selfishness and fear that I would replicate my parent's marriage. I denied my older son the joy of seeing his parents in love and I will forever be sorry for that.When I had my second boy with my current wife, she became very cold and distant to the one from the first marriage, which I suppose is quite normal when having to take care of a baby.But after all this time she still seems reluctant to fully accept my firstborn into our family when he's with us. I know that philosophy is about prevention, not cure, and I'm sure that my kids will never end up where I am right now, but any tips on how to help my family be happier would be greatly appreciated.Oh Stefan! I would love a show on how to throw an amazing dinner party! Sounds like you're a pro at it!Hey Stef, we have antibiotics, internet, relative peace and freedom and I most probably will not die as a drafted soldier, but I am still unable to feel gratitude and make myself happier just because my ancestors lived in incomparably worse conditions. Even if I am the 2nd wealthiest generation in the World history I tend to perceive myself as a tax slave in a luxury barn. Would you have any tips on how to practice gratitude and how to teach gratitude to my children?How to wish well rationally?In your presentation "Vampire Love Kills!" you describe that stating "you're lucky" means admitting helplessness to achieve goals like having a six pack through hard work at the gym. Is "Freedomain dot com slash donate" the new well wishing phrase? You keep referring to the shortness of your remaining days which is depressing.PART 1Thank you for answering my previous question regarding the rationality of child abuse. I'd like to continue that discussion if possible by raising a few points. First I'd like to clarify why this matters to me personally because without the context, I think we might misunderstand our intentions.My brother recently became a parent. I tried to advocate for peaceful parenting (this was before you finished the book), and he said he trusted more in how he was raised, with corporal punishment. The typical points of “I turned out fine”, etc were raised by him. It was a lost cause, and by the end of it, he felt as though his honour was challenged by me calling it cowardly. He wanted to spar with me in a ring for 5 rounds as a way for me to prove my point (he's older than me by 4 years and also more muscular). The only other way he'd accept my proof would be through raising my own children peacefully and seeing what kind of adults they would be. At that point course, the damage to his own children would already be done.Long story short this was the end of our relationship. I have grieved, and I'm still in the process of accepting things, but a part of that process for me is steel manning his position. Maybe in seeing it completely destroyed I'll have more peace of mind. As such in Part 2, I shall continue to play devils advocate. There might appear to be some level of disassociation in part 2 since there is clearly an emotional undercurrent to this discussion. A call-in might be good, but for this I prefer the slower process of contemplating and responding through argumentation. The emotions are still being processed and this sore emotional underbelly might also be why I haven't yet read peaceful parenting.First I think you made a few fantastic points which are worth repeating and rephrasing just to make sure I understand you.1. “If you can't hit any characteristic of a child, how can you hit a child?” I.e. if there is no justification for violence against someone with a single characteristic of a child, how can violence be justified when you have those characteristics in aggregate?2. “Rationality is an abstract thing and abstract things judge abstract things. You don't judge particular actions, you judge arguments. It's a category error to say that reason should judge individual actions.” I.e. Reason is a standard that we use for judging the quality of abstractions. If we want to judge the quality of actions outside of practicality, we use morality.3. “Practicality is taking the steps in order to achieve a goal. Morality is universally preferable behaviour.” I.e. something is given the quality of being ‘practical' when it makes it likely that a given goal will be achieved. Something is given the quality of being ‘moral' when it is universally preferred and enforceable.With these points in mind, I have a question regarding point 3. If the act of copying yourself / reproduction is universally observed across all living organisms, does this qualify as a universally preferable behaviour? Since morality is exclusive to human beings, then does reproduction both (physically or memetically) qualify as a universally preferable behaviour since human beings show a universal preference for this?If it is universally preferable to reproduce, with memetic reproduction as one part of this process, then child abuse can be considered a form of memetic reproduction that has a moral status because it is an enforceable subset of a universally preferable behaviour (reproduction). On the other hand, memetic and physical reproduction is goal oriented and practical. Since you made a distinction earlier between the practical and the moral, is this not a case of the two overlapping? If the two can overlap, then are we back to the point I was arguing earlier of rationality and practically overlapping, since you said that morality is a subset of reason.The key mechanism here is to first say that reproduction is a UPB. Then to say that child abuse is a form of reproduction (memetic). Once child abuse is seen as a form of reproduction, it has moral and rational status. On the other hand, reproduction is also practical. Therefore, you have the moral/ rational intersecting with the practical.Thank you in advance.I am struggling with how to navigate raising children: should I participate in creating the belief that Santa Claus exist ?I don't have children, but actively planning to have children.I'm leaning towards not wanting to participate in creating the belief in Santa Claus because it seems like a huge deception. When I explain to people why I don't find it healthy for children to be deceived then I'm typically met with “oh! you have to! it's just for fun! it's magical! It's Christmas! It's part of childhood!”My best answer would be to explain to my children that Santa Claus is not real, explain the concept, and allow them to enjoy the fictional character.( Then , I'll face the problem when my child tells other children that Santa Claus is fictional, future podcast question I suppose, lol)Recently, you've said that Izzy is quick to identify contradictions because you've never asked her to believe in contradictions.I recall the age I realized Santa Claus wasn't real, but feared if I let anyone know then I wouldn't be getting as many gifts. This led me to develop an ability to deceive the “giver” into “yes, I'll believe what you want in order for me to get what I want”.It all seems so innocent when looking at a fat jolly man dressed in a red suit.Is Santa Claus (maybe include Easter bunny, tooth fairy, other pagan folk lore, etc) a contradiction that Izzy was never asked to believe in?thanks!Hello Stefan!My first question is: How can I become a more content person?For example, I fall into a cycle of saying, "This is going to be our forever home!" and then after a few years, I start dreaming of something bigger and better, getting excited about the prospect of moving again. I can't seem to go 3-4 years without feeling the itch to move up!My second question is: Why am I struggling with feeling left out?Maybe my two questions are somehow linked. Lately in my community and circle of mom/homeschooling/neighborhood friends, I've been aware of recent instances where I haven't been invited to join a dinner or gathering. Logically, I tell myself that it's okay! We live in a small town and I don't have to be invited to everything! Emotionally it still hurts though.Thank you!GET MY NEW BOOK 'PEACEFUL PARENTING', THE INTERACTIVE PEACEFUL PARENTING AI, AND AUDIOBOOK!https://peacefulparenting.com/Join the PREMIUM philosophy community on the web for free!Also get the Truth About the French Revolution, the interactive multi-lingual philosophy AI trained on thousands of hours of my material, private livestreams, premium call in shows, the 22 Part History of Philosophers series and much more!See you soon!https://freedomain.locals.com/support/promo/UPB2022

Stefan answers listener questions!"How quickly into your first interaction with a girl can you determine how compatible you will be with each other? Is it how she receives you? Like you can make her smile and laugh and she receives you well? She has open body language and wants eye contact? Is it something that's judged in the first interaction or something that can be felt out over time? Thank you for your time.""Why ducks? I won't be able to sleep or consider any universal abstractions until I know!"Here is my theory."Premise 1: Stef is bald."Premise 2: Ducks lay eggs."Premise 3: Bald heads look like eggs. Especially bald caucasian heads which might be spotted in old age."Premise 4: Women have a maternal drive to protect and bond with fragile young creatures."Conclusion: Stef could have chosen puppies, or kittens as pets for his daughter, but those were lacking philosophically! Why, you ask?"Stef chose ducks so that his daughter would subconsciously transfer her maternal instincts that she developes for the eggs towards Stef, whose head when freshly shaved is reminiscent of a duck egg."While proposing that love is our involuntary response to virtue, Stef's secret mission is for love to be an involuntary response to egg like heads, thereby allowing him to have more persuasive power with female audiences who control sexual access. His daughter is the first test case for this before he scales it to the wider population."DEBUNK ME BRO!""How do you select employees? I'm interested in how you ensure they are moral to avoid hiring fat people to write recipes for a diet book so to speak. What level of immoral/unethical/unprofessional behaviour would lead to you firing them?""Can you give some examples/strategies to contradict people in public to expose their true nature/character?""Moral frameworks are intrinsically social because they rely on social acceptance and enforcement. When a new moral framework is conceived, it has to overthrow an existing moral framework, and if the adherents of the old framework aren't happy to be labelled as evil or lacking morally, they will fight the new framework tooth and nail. Does this mean that introducing a new moral framework requires a compromise on some issues in order for it to even have the chance of being widely adopted?"This is like a presidential candidate compromising some of his stances on particular issues in order to be more acceptable to the public. Or as you've once said, ‘Are there any public philosophers who aren't fighting one evil while appeasing another one?' Even with the abolition of slavery, the racial discrimination continued through state power."I understand that philosophy is more for the future than the present. I'm just curious how a philosophical movement survives the test of time when it relies on people in order for it to get to the future. We only see the successful religions for example, but we don't see all the religions that failed to gain traction, and a part of me wonders if there is more to morality than providing a rational proof, especially since the means of transmission is social."I understand you haven't stopped at a rational proof either, and have applied it to many facates such parenting, relationships, psychology and history. I also struggle to consider what could be compromised on here without losing something essential about UPB and NAP which is their universality. But at the same time, I have doubts about the future success of these ideas.""Am I a bad person if I've lost interest in maintaining a relationship with my best friend after she told me she has feelings for me?""What are your thoughts on the biblical story of Job? Many atheists see God being a jerk.""Stef, in one podcast, you said that entrepreneurship is a young person's game. What would a life path look like for a male entrepreneur?""Twitter is ablaze because people are getting people fired who are proving for and calling for the murder of Trump.""You've helped me understand so many giant topics of importance, economics, morality, history, logic, and so on. It's been absolutely transformational for me as I'm seeing embracing reality is paramount. It sounds silly, but it's almost as if you figured it all out. What are some other yet unknown areas of importance you are researching at the moment, if any? Do you ever feel like you've already come to the truth about everything?""What type of shows do you enjoy creating the most?"GET MY NEW BOOK 'PEACEFUL PARENTING', THE INTERACTIVE PEACEFUL PARENTING AI, AND AUDIOBOOK!https://peacefulparenting.com/Join the PREMIUM philosophy community on the web for free!Also get the Truth About the French Revolution, the interactive multi-lingual philosophy AI trained on thousands of hours of my material, private livestreams, premium call in shows, the 22 Part History of Philosophers series and much more!See you soon!https://freedomain.locals.com/support/promo/UPB2022

Hi Stef, what role should history play in determining philosophical truths or falsehoods? I ask this question knowing your background in history and how you have integrated it into your communication of philosophy, however, the point of conflict for me is this.When history is used as evidence for a problem existing, the debate is then about causality rather than principles.Since causality can't be proven with certainty, neither is it encouraged because we have free will, the utility of a philosophical claim rests on whether or not the person is persuaded by the causality you have presented. From a logical and syllogistic point of view, the argument might be valid, but it might not be true without the empirical evidence to back it up since put simply, truth is a status that a claim has relative to its correspondence with the world.For example, if you were to say child abuse is wrong, and use reason alone to make that argument, someone might not be convinced that how we treat children is even a problem. As such, you'll then need to use history to support your reasoning. You would examine the French revolution, the childhoods of people in call-ins, look at other literature and research that uses a greater data set of human history to investigate if how we treat children is a problem.At this point, someone might then be convinced since you have presented them with history, but maybe instead they'll debate you on the causality of historical events. You won't be able to convince them through principles, nor history. You could even try delve into their childhood only for them to say that they turned out alright.At this point, we determine that the person can't be reasoned with regarding this topic and move on, however, the problem remains regarding the role that history plays in making a philosophical claim that is valid, useful. If people can't accept a truth statement, it isn't useful even if it is true. History seems to be indispensable in persuading other people to accept truth statements, however, the battle is then about causality and how it is perceived or interpreted rather than principles.If the first battle as a philosopher is about making valid truth statements, is the next battle about using history to persuade others of their validity, thereby rendering them ‘useful'? Is the final battle for the human mind about causality now that UPB is in the picture?Join the PREMIUM philosophy community on the web for free!NOW AVAILABLE FOR SUBSCRIBERS: MY NEW BOOK 'PEACEFUL PARENTING' - AND THE INTERACTIVE PEACEFUL PARENTING AI AND AUDIOBOOK!Also get the Truth About the French Revolution, the interactive multi-lingual philosophy AI trained on thousands of hours of my material, private livestreams, premium call in shows, the 22 Part History of Philosophers series and much more!See you soon!https://freedomain.locals.com/support/promo/UPB2022

"Moral frameworks are intrinsically social because they rely on social acceptance and enforcement. When a new moral framework is conceived, it has to overthrow an existing moral framework, and if the adherents of the old framework aren't happy to be labelled as evil or lacking morally, they will fight the new framework tooth and nail. Does this mean that introducing a new moral framework requires a compromise on some issues in order for it to even have the chance of being widely adopted?"This is like a presidential candidate compromising some of his stances on particular issues in order to be more acceptable to the public. Or as you've once said, ‘Are there any public philosophers who aren't fighting one evil while appeasing another one?' Even with the abolition of slavery, the racial discrimination continued through state power."I understand that philosophy is more for the future than the present. I'm just curious how a philosophical movement survives the test of time when it relies on people in order for it to get to the future. We only see the successful religions for example, but we don't see all the religions that failed to gain traction, and a part of me wonders if there is more to morality than providing a rational proof, especially since the means of transmission is social."I understand you haven't stopped at a rational proof either, and have applied it to many facates such parenting, relationships, psychology and history. I also struggle to consider what could be compromised on here without losing something essential about UPB and NAP which is their universality. But at the same time, I have doubts about the future success of these ideas when faced with the seeming momentum of social norms and institutional forces."Is no compromise the answer? Or is my ambivalence warranted?"Join the PREMIUM philosophy community on the web for free!NOW AVAILABLE FOR SUBSCRIBERS: MY NEW BOOK 'PEACEFUL PARENTING' - AND THE INTERACTIVE PEACEFUL PARENTING AI AND AUDIOBOOK!Also get the Truth About the French Revolution, the interactive multi-lingual philosophy AI trained on thousands of hours of my material, private livestreams, premium call in shows, the 22 Part History of Philosophers series and much more!See you soon!https://freedomain.locals.com/support/promo/UPB2022

"Can UPB exist in Human consciousness if it wasn't attributed to one person presenting it to the world . "Would there be multiple versions of UPB if there were different apostles of UPB . "As we see in Christianity ."We understand Jesus to be the master of Christianity because perfection is attributed to him and secondly the apostle Paul and St Peter became they were also crucified for their faith ."So if you hadn't coined the phrase "UPB would it even exist as a truth to be shared if you hadn't discovered it ."Would UPB be waiting for someone else to discover and share ?"Join the PREMIUM philosophy community on the web for free!NOW AVAILABLE FOR SUBSCRIBERS: MY NEW BOOK 'PEACEFUL PARENTING' - AND THE INTERACTIVE PEACEFUL PARENTING AI AND AUDIOBOOK!Also get the Truth About the French Revolution, the interactive multi-lingual philosophy AI trained on thousands of hours of my material, private livestreams, premium call in shows, the 22 Part History of Philosophers series and much more!See you soon!https://freedomain.locals.com/support/promo/UPB2022

Crollano le pensioni anticipate anche grazie all'ulteriore stretta messa in campo dalla legge di Bilancio: nei primi sei mesi dell'anno l'Inps ha registrato 99.707 pensioni anticipate con decorrenza nel periodo con un calo del 14,15% rispetto alle 116.143 segnate nel primo semestre del 2023. Nel monitoraggio sui flussi di pensionamento si segnalano nel complesso nel periodo 376.919 nuove pensioni (tra vecchiaia, anticipate, invalidità e superstiti) per un importo medio di 1.197 euro. Proprio questa mattina Marco Rogari ha delineato i contorni del fenomeno delle pensioni anticipate. La soglia media di accesso al pensionamento anticipato scende nel 2023 a 61,6 anni, dai 61,7 anni del 2022, e risulta inferiore di ben 5,6 anni di quella effettiva di vecchiaia. Una soglia che resta troppo bassa e che, insieme alla «ricostituzione di flussi di pensionamento di ingente dimensione» e «al mantenimento di livelli elevati» di uscita attraverso i numerosi varchi aperti dalle deroghe alla legge Fornero (a cominciare dalla Quota 100 introdotta nel 2019), continua a rappresentare una spinta nel fianco del sistema previdenziale. A lasciarlo chiaramente intendere è la Ragioneria generale dello Stato, che, nelle analisi degli andamenti degli ultimi 20 anni e tra le pieghe dell ultimo dossier sulle tendenze di medio-lungo periodo della previdenza, sottolinea che «tali aspetti, nella transizione demografica in corso e che si acuirà negativamente nei prossimi anni, rappresentano elementi di evidente criticità per la sostenibilità del sistema pensionistico, della finanza pubblica e del debito pubblico». Assomiglia a una sentenza, quella dei tecnici del Mef, che sembra quasi fare eco alle parole pronunciate la scorsa settimana in Parlamento dal ministro dell Economia, Giancarlo Giorgetti, per ribadire che le scelte che il governo sarà chiamato a fare a settembre in vista della manovra, e nei prossimi anni, dovranno essere effettuate non discostandosi dall obiettivo della sostenibilità dell impalcatura previdenziale e che occorre necessariamente fare i conti con l attuale situazione demografica. Approfondiamo il tema con Marco Rogari, Il Sole 24 Ore.Confindustria a governo, payback dispositivi è disastro economicoDopo mesi di grande attesa dalla Consulta è arrivata ieri una inattesa mazzata per le imprese del settore biomedicale con due sentenze (la 139 e la 140) che di fatto confermano l obbligo per le aziende a pagare metà dello sforamento del tetto di spesa sugli acquisti di dispositivi medici almeno per il 2015 2018: si tratta di oltre un miliardo - dopo lo sconto deciso dal Governo l'anno scorso quando era scattato il meccanismo del payback - rimasto finora in sospeso anche per la pioggia di ricorsi al Tar arrivati poi sul tavolo dei giudici costituzionali. Uno tsunami per le imprese che ora guardano molto preoccupate al payback del triennio successivo 2019-2021 che potrebbe presentare un conto più salato tra 3 e 4 miliardi. "Porre in atto le indispensabili misure per contenere i disastrosi effetti economici, occupazionali e sociali conseguenti alla sentenza. La filiera industriale dei dispositivi medici è un asset strategico per lo sviluppo del Paese e misure di questo tipo avranno ripercussioni anche sulla funzionalità del Ssn". A chiederlo è Nicola Barni, Presidente di Confindustria dispositivi medici dopo la sentenza della Consulta. Rivolge un appello al Presidente del Consiglio, Giorgia Meloni, ai Ministri direttamente competenti Adolfo Urso, Orazio Schillaci e Marina Calderone, al Parlamento e alle Regioni. "Aspettavamo dalla Corte costituzionale una sentenza di merito, che non è arrivata e riteniamo che questo sia un fatto grave. Secondo la Corte, il payback sui dispositivi medici è un fondo sociale e costituisce un contributo di solidarietà; questa è un'interpretazione molto distorta - dice Barni all'ANSA - perché il payback avrà conseguenze devastanti sul sistema sanitario stesso che ha bisogno di questi prodotti e servizi per curare i cittadini". Ne parliamo con Nicola Barni, presidente Confindustria Dispositivi Medici.Pnrr, spesi solo 9,4 miliardi ma assegnato l'85% dei fondiIl Pnrr italiano viaggia con il freno a mano tirato, come temono in molti anche al ministero all'Economia guardando ai dati della spesa effettiva? Oppure corre ai ritmi da primato rivendicati a più riprese da Palazzo Chigi? I numeri contenuti nella nuova relazione semestrale sullo stato di avanzamento del Piano nazionale di ripresa e resilienza, presentati ieri dal ministro Raffaele Fitto in cabina di regia, presente la premier Giorgia Meloni, offrono gli strumenti per una lettura più articolata, che non cancella le preoccupazioni, ma indica qualche elemento incoraggiante in prospettiva. La spesa, in effetti, rimane bassa. Il conteggio aggiornato al 30 giugno la misura in 51,36 miliardi di euro, cioè solo 9,4 miliardi sopra i livelli di fine 2023 (42 miliardi); i 45,6 scritti nella precedente relazione comprendevano anche interventi poi usciti dal Pnrr con la rimodulazione approvata a dicembre. La geografia più complessiva delle risorse del Pnrr mostra però anche che 164,79 miliardi su 194,42 miliardi sono ormai assegnati ai soggetti attuatori dopo che i progetti da finanziare sono stati individuati con bandi, avvisi, circolari o altri provvedimenti. In pratica, insomma, l'85% dei fondi ha trovato la propria destinazione. Non solo. Delle misure che passano attraverso una gara, e che valgono in totale 132,77 miliardi, sono state attivate procedure per 122,04 miliardi (il 92%) e avviate gare per 111,62 miliardi (il 91% del totale attivato). Questo significa che la spesa va ancora a rilento, con meno di 10 miliardi pagati nella prima metà di un anno che secondo i calcoli Upb dovrebbe registrare uscite effettive per 40,27 miliardi per tenere il passo necessario ad arrivare al traguardo entro il 2026. Ma l'ampio ventaglio di assegnazioni e gare suggerisce che la curva della spesa reale è destinata a salire. Anche molto velocemente, secondo Fitto, che invita a guardare «il bicchiere mezzo pieno», riassunto dalla fotografia sintetica scattata nella relazione: ottenuta la quinta rata da 11 miliardi e richiesta la sesta da 8,5, l'Italia ha ricevuto 102,5 miliardi, cioè il 53% della dotazione complessiva, e ha attestato il raggiungimento dei traguardi collegati al 63% dei fondi del Piano. Dati che per Fitto sono «un'importante iniezione di fiducia». Approfondiamo il tema con Gianni Trovati, de Il Sole 24 Ore.

"Is there a difference between the term action in aesthetically preferable actions and the term behavior in universally preferable behaviors? I think of actions and behaviors as being synonyms, so I would think you would pick one term and use it in both cases, but you seem to always be careful to use action in APA and behavior in UPB, so it makes me think the terms action and behavior are not synonyms for you. is there a difference between actions and behaviors in your thinking?"To put the question differently would there be anything incorrect or different if I referred to aesthetically preferable actions as aesthetically preferable behaviors? Are the terms actions and behaviors interchangeable there or do they not mean the same thing for you? Cause if they mean the same thing I would think it would go be simpler to use one term instead of 2, so to refer to UPB and APB, but you refer to UPB and APA.""What are the origins of the urge to fail, to waste potential, to drag your feet and do the bare minimum? Hate? Like, I hate you so much I will waste myself rather than blossom in your presence.""What you said about feeling other people's feelings resonates with me. I know some people have baited me into feeling outraged or passionate about some topics in their place. While we can usually see it when it happens in front of us, how do you differentiate your true feelings from those implanted in your head by others when you're alone?""can you please do a full length explanation of what exactly virtue is? I have listened to everything you have put out on the subject but still have a hard time understanding the concept. From what I have gathered listening to your shows, virtue is a relative concept. Is there an objective definition of virtue that isn't dependent on a particular situation?""I have a friend that I mainly meet because of service exchange (doing major car repairs to me for less than a workshops fee), we do get along well on a personal level, but I feel it's unethical of me as the friendship seem more utilitarian than he himself considers it to be. I feel like I'm using people, at times. How do I get past this?"Join the PREMIUM philosophy community on the web for free!NOW AVAILABLE FOR SUBSCRIBERS: MY NEW BOOK 'PEACEFUL PARENTING' - AND THE INTERACTIVE PEACEFUL PARENTING AI AND AUDIOBOOK!Also get the Truth About the French Revolution, the interactive multi-lingual philosophy AI trained on thousands of hours of my material, private livestreams, premium call in shows, the 22 Part History of Philosophers series and much more!See you soon!https://freedomain.locals.com/support/promo/UPB2022

"Hello, all. I'd like to get a discussion going regarding that parallels the release of the PP book. I have been itching with anticipation for its completion since there was first talk of it years ago. I am overly thrilled that it is finally here! I've been raving about it to all of my mama friends. I am a donor and therefore have had access to the book since Stefan started sharing it last October. Yet, I started listening to it and stopped somewhere around chapter four. I wasn't angry or overwhelmed with grief or otherwise emotionally incapacitated. I stopped, thinking it was so juicy, so good, that I needed to take my time and savor it. I didn't want to rush my consumption in greed letting the information spill over, lost, deep within my memory. This seems reasonable in my mind. I wanted to slow down and absorb the book instead of letting it pass through me like an entertaining novel. But I STOPPED at chapter four - just stopped -without realizing I'd done it until today, months after. So, when it dawned on me, I realized that I have a history of doing this, going back decades. I get very excited about a particular book. I elevate it to the highest value, begin reading it, and inexplicably stop, leaving it unfinished with every intention of finishing it later. I have read dozens, maybe hundreds, of inconsequential books cover to cover, but there are four that were "so important" that I never finished them. I want to get to the bottom of it. Does anyone share this enigmatic habit? I'd appreciate any feedback you guys can provide. Maybe someone has already walked this path and has some insight. Please and thank you.""Hi Stef, my 2 sons came home highly disturbed yesterday. They go to the local park everyday which contains a pond and a river in which they enjoy meeting with their friends, fishing, catching turtles and frogs, and playing sports etc. one of the kids within my son's friend group was using a live frog as a writing utensil. Using it to draw on a wall. As well as throwing it against the concrete, kicking it etc. He was horrified at the extreme level of abuse and when he questioned this kid his response was who cares it's just a frog. I suggested to him to stay away from him as he seems to be highly troubled. But my son didn't know how to handle it as this kid also falls within “the group” and staying away from him would also mean isolating himself from the rest of the kids. Any suggestions as to how to how to handle the social dynamics of this situation?""Stef the following question is more about me providing you feedback to a question you asked in your response to my question about how an elephant man would find a virtuous wife. You asked why I was asking the question if I wasn't an elephant man and such circumstances didn't apply to me or anyone I know of personally. I think I can understand why you would ask me that question Stef when your philosophy generally deals with less abstract or hypothetical issues, indeed you have arguably taken on a role as a therapist to many people who ask you questions which I give you tremendous praise for addressing. Whilst elephant men are certainly extremely rare, my question wasn't necessarily abstract, the elephant man was just the extreme end of the spectrum to illustrate a point. You can gradually dial the curtains back a bit and reveal many men who may not be elephant men but certainly are below average looking in looks and socio-economic status, you are aware I think Stef there is some sort of crisis going on whatever the cause, where young generations are having less relationships than ever. That said I think you largely answered my question Stef in that you said it is not a violation of UPB to date someone who is low value such as a prostitute if the prostitute is the best a man can get and sadly for the elephant man and even many other people who are not elephant men, a prostitute who is rejected by all the high value successful men may be the only option available to many of these men.""Hi Stef, I recall you talking in the past about people getting emotionally ‘stuck' in a certain age. I am currently 28 but for most of my life have felt like a 12 year old boy. I had an unpublished conversation with you 9 months ago, and almost immediately moved out of my parents house, and have since bought my own car and gained a lot of relationship/sexual experience where I previously had none (none!!). Thank you by the way, you helped me realize I needed to start panicking and actually DOING SOMETHING. Point being is that I feel as though I've mentally aged a good bit, and now feel like a rebellious teenager, although still not enough of a true rebel to confront my parents, although we don't speak. Still have not started therapy or journaling. I've realized this sounds more like a question I should be able to ask my father, 10 years ago. I guess my question is, is this normal? And what you're referring to with ‘mental age'? What would be the next steps to keep ‘aging'? I guess journaling and therapy. This also got me thinking about rites of passage which used to be commonplace in society but are now totally absent or delayed. I normally don't ask questions but this has been on my mind lately, hopefully something interesting you can extract. - saying that makes me think my feelings are false in some way and I still feel like that scared 12 year old. My parents never changed how they talked to me from that age on essentially, never talked about sex never talked about anything of substance ever. That comment about rites of passage looks so out of place. I wonder why I said that.""Hello Stefan. Im writing a short novel in where a young up an coming politician gets a real devils bargain. My idea with the story is that I want him, the politician, to face evil. Im thinking something like three envoys which represents different facets or aspects of the darkness in man. Do you have any suggestions or ideas of what these different facets could be? Little short this month but promise to donate at this months end. Thank you for everything.""Please explain how you define “philosophy” and “philosophical conversation”? . I'm new here —but much of the conversation especially with others seems psychological/historical. Unless I misunderstood."Join the PREMIUM philosophy community on the web for free!NOW AVAILABLE FOR SUBSCRIBERS: MY NEW BOOK 'PEACEFUL PARENTING' - AND THE INTERACTIVE PEACEFUL PARENTING AI AND AUDIOBOOK!Also get the Truth About the French Revolution, the interactive multi-lingual philosophy AI trained on thousands of hours of my material, private livestreams, premium call in shows, the 22 Part History of Philosophers series and much more!See you soon!https://freedomain.locals.com/support/promo/UPB2022

"Hey, Stef, what are your thoughts on the ethics of actions that are, in the immediate moment, not unethical, but in the long run, have the risk of becoming so? Let's say, for example, you develop a sexual relationship with a woman only for the sake of satisfying your vanity, insecurities, and sexual needs without the intention of a long-term commitment. If this action is between two consenting adults and doesn't violate the NAP or UPB, it can't be called unethical. However, should a pregnancy occur, either the resulting abortion or the child raised by two parents who are only drawn together by lust has the potential for unethical outcomes. The promiscuity isn't unethical if both parties are honest about what they're doing, but the consequences can spiral into unethical territory. What then is the ethical status of promiscuity if it is voluntary? Is the correct word irresponsible rather than unethical?"Is the failure of parents to secure a safe environment for their children to be raised in unethical if they had the chance to do so? If so, does this mean that we can create a term like retrospective ethics, which refers to ethical judgments that are validated only by looking backwards in time after the consequences are played out instead of through reason alone? Before the ethical judgments are validated, they are simply speculative, so maybe they can be referred to as speculative ethics before consequences validate or invalidate the judgments. The main problem I found with this reasoning is in finding the first cause. If promiscuity is unethical only when certain consequences occur, why do we focus on the act of sex rather than the preceding acts such as the flirtation and escalating behaviors? How would we locate the first domino that kick-started this unethical chain in order to assign ethical judgment to the correct behavior? Is this why UPB and ethics as a whole cannot be based on consequences?"Join the PREMIUM philosophy community on the web for free!Get my new series on the Truth About the French Revolution, the Truth About Sadism, access to the audiobook for my new book 'Peaceful Parenting,' StefBOT-AI, private livestreams, premium call in shows, the 22 Part History of Philosophers series and more!See you soon!https://freedomain.locals.com/support/promo/UPB2022

Let's say a couple were to enter into some contract with a woman to maybe use the male sperm and the woman's eggs in order to get a baby, and the baby then, in a sense, would be contracted, maybe money would exchange.Therefore, the baby is bought and paid for, and is this UPB? In other words, can a couple pay another woman to conceive and carry a child, and then the custody of the child would be transferred to the new couple, and is this UPB? Now, of course, there's no force that is being deployed in the contract, right? So everybody is voluntarily putting themselves in the contract. And the argument is, and I understand the perspective, and I obviously really respect the question, but the baby is not consenting. The baby is not consenting to the contract. Now, of course, I've made this case before, but it's been a long time ago. Is a contract valid if you can't consent at the time, but you do consent later?Join the PREMIUM philosophy community on the web for free!NOW AVAILABLE FOR SUBSCRIBERS: MY NEW BOOK 'PEACEFUL PARENTING' - AND THE INTERACTIVE PEACEFUL PARENTING AI AND AUDIOBOOK!Also get the Truth About the French Revolution, the interactive multi-lingual philosophy AI trained on thousands of hours of my material, private livestreams, premium call in shows, the 22 Part History of Philosophers series and much more!See you soon!https://freedomain.locals.com/support/promo/UPB2022

"What are your thoughts on the morality of gambling and making money from gamblers? It doesnt seem to violate UPB or the non-aggression principle, but to me its always seemed scummy and manipulative. Instead of providing any value these businesses make money off of dumb people's inability to discern probabilities."Join the PREMIUM philosophy community on the web for free!Get my new series on the Truth About the French Revolution, the Truth About Sadism, access to the audiobook for my new book 'Peaceful Parenting,' StefBOT-AI, private livestreams, premium call in shows, the 22 Part History of Philosophers series and more!See you soon!https://freedomain.locals.com/support/promo/UPB2022

Unlock the door to financial independence with the extraordinary insights from Tracy Z, a titan of the real estate and note investing world with three decades of experience. We navigate the untapped potential of seller finance markets and how they could revolutionize your investment portfolio. Our enlightening discussion delves into the latest data, revealing a staggering $28 billion in UPB last year alone and how you can leverage this to build a robust stream of passive income.Immerse yourself in the subtleties of seller financing, where Tracy and I dissect the burgeoning trends in the industry. We expose common myths about down payments, emphasize the necessity of equity to reduce default risks, and scrutinize the evolving role of technology in accessing courthouse data—a game-changer for market analysis. This episode is a treasure trove for anyone looking to understand the complexities of mortgage loan originations, typical loan-to-value ratios, and the enigmatic lifecycle of a note that could significantly influence your investment yields.To wrap up, we reflect on the power of mentorship, the pursuit of workplace gender equality, and the art of mastering empathy and persistence in the realm of business. Hear from Tracy about the trials and triumphs of being a woman in a predominantly male space, and why placing people above profits is not just a noble pursuit but a strategic business move. This isn't just a conversation; it's a masterclass in navigating the ever-changing landscape of real estate wealth creation, ready to fuel your journey towards financial mastery.

How do you create a portfolio of performing notes that will return you a 21% ROI as a new note investor? You work with Scott Carson! Scott shares how new coaching students purchased 18 performing notes in four months at 67% of the UPB to yield a net 21% ROI.Scott breaks down the numbers, shares the geography of the deals, and the different exit strategies that his 1:1 Coaching Students have on how to return their capital, refinance with OPM, or flip the portfolio for a quick profit. Scott also discusses why his students didn't wait for a note trading platform to upload new deals and how they went out and marketed for deals directly from sellers. You too can go from zero to 20% if you are coachable and follow what Scott teaches.Watch the original video HERE!Book a call with Scott HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

25 February 2024 Sunday Morning Live"Why do you think covetting one of the Ten Commandments? Why is it high enough of a priority to list among murder, theft or adultery?""Don't need a long answer but I'm curious. On episode 5417 why did you say that leading a moral life is ups and downs? I would think it's an exponential curve- difficult for a while and then massive benefits.""Stef, is it also a good argument to make that there's no point in debating people who would try to dismiss property rights by using instances like the bread example because at that point we are no longer in the realm of rational discourse. Would a society that follows UPB really have this problem? Is this bread problem really what is getting in the way of someone accepting that rape, assault, murder and theft are wrong? If so, no logic can help them.""To what degree do you personally care about status?"Join the PREMIUM philosophy community on the web for free!Get my new series on the Truth About the French Revolution, access to the audiobook for my new book 'Peaceful Parenting,' StefBOT-AI, private livestreams, premium call in shows, the 22 Part History of Philosophers series and more!See you soon!https://freedomain.locals.com/support/promo/UPB2022

13 February 2024 TUESDAY Night Live!Is "Forgive your enemies" UPB?Join the PREMIUM philosophy community on the web for free!Get my new series on the Truth About the French Revolution, access to the audiobook for my new book 'Peaceful Parenting,' StefBOT-AI, private livestreams, premium call in shows, the 22 Part History of Philosophers series and more!See you soon!https://freedomain.locals.com/support/promo/UPB2022

28 January 2024 Sunday Morning LivestreamI would like to know how UPB handles the idea off forgiving our enemies or at least those who choose to do us harm? Getting them out of lives if they don't repent/apologize/make amends I agree with. But is it best to just let go of anger over things and people that can not be changed.Some situations are really clear, like an attack in the moment. Some situations are unclear, like a perceived slight from an acquaintance or someone cutting you off in traffic. We feel anger automatically. It's a natural, subjective response. But we need to reflect on the context and evaluate our next actions to ensure morality. My dad used to get angry if you looked at him the wrong way. His reaction was out of proportion.As I understood the forgiveness as a Christian, we forgive our enemies as a mechanism to lay down our angry, release ourselves from said anger and give it over the crime to God for vengeance. (Though practically if those who wronged us committed criminal acts against us, we follow all the legal avenues for redress, but not with anger but cold commitment to justice without hate.)Reconciliation on the other hand requires both parties.Much of my pain in life. Has been because I ignored my anger. Trained to disconnect by my parents. Now I choose to listen to my body and my emotions. That shift of mindset took a lot of effort.How can you remove yourself in the days of social media? Allegations can follow you anywhere.Can vengeance be defined as taking action to harm someone (when you aren't in immediate danger) in order satisfy your anger. This is why imprisonment isn't vengeance if you are not doing it satisfy anger but instead to uphold standards.Justice is measured. And not done with massive emotional motivation. Hence the judge and jury.My understanding is that if forgiving our enemies was UPB/universal, Bob would have forgiven Jack for whatever behaviour/action/words he believed justified hitting Jack. Yet society will go to Jack and insist he forgive Bob but not ask Bob not to hit Jack and forgive instead.Is mercy virtuous?Join the PREMIUM philosophy community on the web for free!Get my new series on the Truth About the French Revolution, access to the audiobook for my new book 'Peaceful Parenting,' StefBOT-AI, private livestreams, premium call in shows, the 22 Part History of Philosophers series and more!See you soon!https://freedomain.locals.com/support/promo/UPB2022

Controversial life of Marquis de Sade, explicit works, societal violence, personal struggles, politics during French Revolution, impact of scientific revolution on morality. Introducing universally preferable behavior. Stay tuned.Full series: https://rss.com/podcasts/sadism/Join the PREMIUM philosophy community on the web for free!Get my new series on the Truth About the French Revolution, access to the audiobook for my new book 'Peaceful Parenting,' StefBOT-AI, private livestreams, premium call in shows, the 22 Part History of Philosophers series and more!See you soon!https://freedomain.locals.com/support/promo/UPB2022Brief SummaryIn this part of the conversation, we explore the controversial life and works of the Marquis de Sade, including his explicit books and their film adaptations. We discuss how aristocracy and excessive praise contribute to violence in society. We delve into de Sade's troubled personal life and his involvement in politics during the French Revolution. The conversation also touches on the scientific revolution and its impact on morality. We introduce the concept of universally preferable behavior (UPB) as an alternative to morality. Join our community and access related content on our website. Anticipate the next part of the conversation.Chapters0:00:00 The Marquis de Sade: A Terrifying Legacy0:09:11 The Power of Excessive Praise and Addiction0:12:21 Control through Addiction: Praise and Criticism0:15:20 Childhood Experiences and Affectionate Figures in De Sade's Life0:17:51 Forced Marriage and Complicity of De Sade's Wife0:20:51 De Sade's Release and Inheritance of Title0:23:49 De Sade's Imprisonment and Transfer to Insane Asylum0:26:21 De Sade's Imprisonment for Criticizing Robespierre0:34:49 Cruelty as the First Sentiment in Nature0:37:42 The Profound Impact of the Scientific Revolution0:40:51 Science vs. Religion: The Battle for Morality0:43:24 The Agricultural Revolution and its Effects on Humanity0:48:43 The Origin of Morality and its Connection to Religion0:52:28 The Link Between Morality and Belief in the Divine

hi Stef, if you ever did subcontracting work for someone and you later realize they intentionally planned to never pay you for your work, would you bother reporting them to their superiors or the government, or would you recommend just moving on and never working with that person again? Could you think of any justifiable reason for reporting someone or would it go against UPB to use the power of the state for revenge purposes?Stef would you agree that your mother was at least the better parent than your father according to the following clauses: 1. she at least didn't abandon you like your father did 2. if your father was aware your mother was crazy than it especially makes your father morally culpable for leaving you with a crazy woman unless - he himself was even crazier than your mother so in that case it would have been actually responsible for him to leave so you only had to deal with one crazy parent rather than two.Thoughts on the euro-dollar system argument? This is the notion that most dollars are created outside of government/fed control (e.g., businesses in other countries agreeing to denote a contract in USD).My hunch (not saying I'm right, just my suspicion) is that this is just an obfuscation or a cover-up for governments and to make the eventual CBDC's seem more justified. Afterall, it wasn't foreign banks that were mandating jabs and silencing dissent!Join the PREMIUM philosophy community on the web for free!Get my new series on the Truth About the French Revolution, access to the audiobook for my new book 'Peaceful Parenting,' StefBOT-AI, private livestreams, premium call in shows, the 22 Part History of Philosophers series and more!See you soon!https://freedomain.locals.com/support/promo/UPB2022

UpB question: I may be mistaken on the tenets, but if the basis of UPB seems to be offenses against someone's wishes/boundaries (rape being not UPB because it is not possible for it to be consensual, thus always guaranteed to be against someone's wishes/guaranteed to be breaking their boundaries...), then why can something only be immoral if it's part of a category that has to be against someone's wishes?What if someone does something intentionally sadistic, such as knowing someone's trigger and pushing against it, but that thing is not physical but, let's say, sonic (making a certain noise known to be distressing)? Or lies about someone, to be more general? Just because something can be, in your assessments, not a case of immorality in the Category, why does that mean that the whole category is now off the table to not be UPB?Emotions have opposites: happy/sad, mad/calm, laughter/serious...What is the opposite of temptation?What are some great ways to teach children about evil and how to recognise it? How do you make it age appropriate?What are your thoughts on the difference between an assertive tone vs a raised voice/yelling. The way my wife speaks to the children sounds sometimes like yelling, but to her it sounds confident and assertive. For example, my son was fooling around going down the stairs while I had my other son in my hands and she saw and spoke harshly to him saying "stop, turn around, go downstairs safely", and he cried. I think he just got scared and was in an already stressful situation going down stairs, but I also thought it sounded very close to yelling.I have wondered how much my early childhood trauma of being yelled at a lot plays into my current interpretation of her voice, but even then the difference seems to me somewhat subtle. How can I objectively identify these two cases?How do we stop ourselves becoming corrupt in this now corrupt world? This world and society reminds me of Batman: the dark knight rises.As a person in my early 20s there was a time before the Internet and tech. Since your daughter is 14, did she have a pre internet and tech life? And how do you think parents should navigate this?Join the PREMIUM philosophy community on the web for free!Get access to the audiobook for my new book 'Peaceful Parenting,' StefBOT-AI, private livestreams, premium call in shows, and the 22 Part History of Philosophers series!See you soon!https://freedomain.locals.com/support/promo/UPB2022

¿Cómo entran las marcas en la mente?¿Por qué y cómo entran las marcas en la mente? En esta conversación hablamos con un científico conductual y un publicista que explican ese proceso que tu deberías tenerlo presente para posicionar tu marca personal o empresarial.Las marcas en la mente son coherentesUna historia sobre la importancia de la coherencia en el concepto de las marcas en la mente:En alguna ocasión estuve en un congreso de marketing en mi ciudad. Fue un buen evento con conceptos muy valiosos. Ustedes saben que en los congresos casi siempre hay exposiciones, hay muestras comerciales y hay paneles donde varios expertos en el tema comparten sus experiencias, sus mejores prácticas, discuten.En uno de estos paneles, me encontré con algo que me llamó la atención negativamente. Aquí alguien podría decir: "Santiago vos sos muy criticón, eso no se debería mirar en una persona sino el conocimiento. No podés discriminar a nadie por eso ni juzgarlo". Podría ocurrir. Quizás no estés de acuerdo con lo que te voy a compartir. Espero no ofender, pero si lo hago te presento excusas de antemano.Hubo un panel en este evento donde estaban sentados como cuatro o cinco directores o gerentes de marketing de grandes compañías compartiendo las mejores prácticas sobre algo. La verdad ni me acuerdo, pero me causó como curiosidad y algo de asombro notar algo especial en el gerente de marketing de una empresa que produce alimentos "fit".No voy a decir la marca para no molestar a nadie. Es una marca masiva que encontramos en supermercados y prometen alimentos para que estés en forma y más saludable, para que estés más delgado. El gerente de marketing de esta empresa era un señor obeso. Muy obeso. Es decir, no era que estuviera un poquito pasado de kilos un poco más de lo ideal.Que tuviera 2% el porcentaje de grasa por encima de lo normal. No. El señor era obeso.Ahora bien, aquí hay que entender que las marcas cuando prometen algo tienen que ser coherentes con lo que prometen en cada interacción que hay con un cliente o con un prospecto o con la opinión pública en general. Tiene que haber una coherencia. Entonces, ¿cómo es posible que esta marca que es fit, que promete a sus clientes que si se comen esos alimentos van a estar más delgados y más saludables, tenga como imagen a este señor obeso en un evento de marketing?Lo siento, pero no es correcto ¿cómo queda la credibilidad de la marca?Aparte de la coherencia, hay otros elementos importantes para entender el mecanismo de las marcas en la menteNuestros invitados habla de cómo entran las marcas en la menteEllo son Juan Carlos Avendaño y Camilo CarmonaJuan Carlos es Consultor, Copy Estratega y Publicista con más de 15 años de experiencia en branding y creatividad. Actualmente es Director de Proyectos de Laboratorio MY y Socio Fundador del mismo.Por su parte, Camilo es Científico Conductual, mercadologo y publicista, Máster en comportamiento del consumidor y Neuromarketing de la universidad de Barcelona. Actual Head of Branding & Projects de Laboratorio MY y Partner del Laboratorio de Neurociencias de UPB.Para participar, escríbeme tus comentarios a santiagorios@milpalabras.com.coRecursos recomendados en este PodcastREDES SOCIALES DE LABORATOIO MYSitio web: http://www.laboratoriomy.comCorreo electrónico: my@myinc.com.coWhatsapp: 3122549466Instagram: @laboratoriomyQuizás quieras escuchar el episodio anteriorhttps://www.milpalabras.com/245-por-que-un-cliente-se-olvida-de-tu-marca/Las Marcas En La Mente, Posicionamiento, Marcas, Branding, Publicidad, Mercadeo, Marketing, Laboratorio MY, Podcast, Podcast Corporativo, Comunicación Organizacional, Recursos Humanos, Desarrollo Profesional, Desarrollo Personal, Comunicación Efectiva, Santiago Ríos, Mil Palabras

Can you give a true reason for preferring truth?I was asked this today and didn't have an answersaying any attempt to debunk UPB reinforces UPB, is the typical argument that any assertion that there is no truth is an assertion about truth and therefore it is paradoxical and debunks itself etc. Is not a huge discovery, it's an "amateurish Kantianism"What do you think of the excuse "It's not black and white"?Something we take for granted with good reason. An example of a warranted assumption would be trusting the published bus schedule. The bus should show up as schedule. Another example would be trusting that my key will start my car.John Vervaeke's community can't agree that our memory of an object can match a physical object. They don't believe we use memory to drive a car.Can warranted assumptions become True Universals?Funny thing: higher IQ, more capacity to be NPC.Join the PREMIUM philosophy community on the web for free!Get access to the audiobook for my new book 'Peaceful Parenting,' StefBOT-AI, private livestreams, premium call in shows, and the 22 Part History of Philosophers series!See you soon!https://freedomain.locals.com/support/promo/UPB2022

Join the PREMIUM philosophy community on the web for free!Get access to StefBOT-AI, private livestreams, premium call in shows, my new book and the History of Philosophers series!See you soon!https://freedomain.locals.com/support/promo/UPB2022Dear Stef: how can one learn to forgive oneself, and even love oneself after making some serious mistakes and and bad decisions? No excuses, though I could site childhood etc, but it's my fault. Separated now because of it. Started therapy, really working on myself, but the shame remains. I've come out a more genuine, honest, virtuous person, but the shame remains. Kind regards from long time subscriber and rare - but generous - donator.can it be a demand if its never made?/is that not just a wish? And I can demand Elon Musk give me ten million dollars but without a credible threat of harm to him or someone he cares for that is not much of a demand and would be ignored. If it is credible its immotal and illegal unless I am in govt.Or I make heck of a pitch. One for the angels so to speak. Appealing to logic with a real humdinger of a case as to why he would make a lot of money from it, and convince his accontants.Or lastly an appeal to emotion so moving.and convinving he is so moved by it to open.his heart and wallet. Then my demands might be answred in the.affirmative. do you think stef bot would be able to script such an appeal? Lol.But my real point I think even if it could doing so under false pretense is.a violation of UPB and a genuine scuzxy behaviour asides from.that fact.

Estoy como invitada en este podcast, que no solo va hacer divertido sino que tiene mucha información de valor para ti y que Gloria comparte con todo el amor y la contribución que ella es para el mundo! En Access vemos las “discapacidades” como habilidades! ¿Qué tal si eso que hemos catalogado como autismo es en realidad una capacidad y una potencia? ¿Qué tal si los autistas son en realidad seres evolucionados y potentes?¿Cómo sería la vida de ellos y la nuestra si recibiéramos el regalo que son? Si quisieras saber más de esto te invito a este live! ¿Vienes?Juliana Sepulveda Nací el 18 de enero de 1991, en Medellín, desde pequeña desarrolle habilidades con la energía y con los muertos (médium)De profesión soy ingeniera aeronáutica de la UPB y a la par de esto comencé a explorar otras alternativas por motivo de una tristeza y el divorcio de mis padres.Estudie diferentes técnicas como: regresiones, hipnosis, hoponopono, constelaciones familiares, terapia de respuesta espiritual, terapia multidimensional del ser, canalización, theta healing, meditación, medicinas ancestrales, barras de access, facelift, procesos de cuerpo, entre otras.Actualmente soy facilitadora energética y por medio de las técnicas de Access consciousness contribuyó a las personas a cambiar su vida.Tituló episodio Cómo las barras de Access te sacan de la limitación Cómo puedo ayudar con mi don y trabajo: A través de las barras todos los pensamientos, sentimientos, emociones, dramas, traumas, la rabia y las creencias que has usado para mantenerte estancado en el drama y en el trauma de la realidad que estás viviendo se puede transformar toda esta energía. Las barras son un toque ligero en unos puntos energéticos en la cabeza y por medio de este toque y la relajación toda esta energía y carga eléctrica se transforma, siendo esto un regalo para que puedas cambiar tu vida!Buenos días, buenas tardes, buenas Guest Juliana Sepulveda @julianasepulvedao HostGloria Goldberg @glorialondonop Apoya la salud mental! Gracias! --- Send in a voice message: https://podcasters.spotify.com/pod/show/gloria-goldberg/message

A través de las barras todos los pensamientos, sentimientos, emociones, dramas, traumas, la rabia y las creencias que has usado para mantenerte estancado en el drama y en el trauma de la realidad que estás viviendo se puede transformar toda esta energía. Las barras son un toque ligero en unos puntos energéticos en la cabeza y por medio de este toque y la relajación toda esta energía y carga eléctrica se transforma, siendo esto un regalo para que puedas cambiar tu vida.Nací el 18 de enero de 1991, en Medellín, desde pequeña desarrolle habilidades con la energía y con los muertos (médium)De profesión soy ingeniera aeronáutica de la UPB y a la par de esto comencé a explorar otras alternativas por motivo de una tristeza y el divorcio de mis padres.Estudie diferentes técnicas como: regresiones, hipnosis, hoponopono, constelaciones familiares, terapia de respuesta espiritual, terapia multidimensional del ser, canalización, theta healing, meditación, medicinas ancestrales, barras de access, facelift, procesos de cuerpo, entre otras.Actualmente soy facilitadora energética y por medio de las técnicas de Access consciousness contribuyó a las personas a cambiar su vida. Guest Juliana Sepulveda@julianasepulvedao Host Gloria Goldberg@glorialondonop --- Send in a voice message: https://podcasters.spotify.com/pod/show/gloria-goldberg/message

Today's guest is Bill Bymel   Bill is the CEO of First Lien Capital LP, a privately owned distressed mortgage investment platform he founded in 2021 which owns over 700 residential mortgages and REO in over 30 states with a total investment of $65 million in equity dollars. Join Sam and Bill in today's episode. -------------------------------------------------------------- [00:00:00] Intro [00:01:11] Bill's background and experience in real estate investing [00:08:16] Bill's approach to working with distressed borrowers [00:10:18] The revolutionizing the industry [00:11:33] Challenges in the market [00:15:34] The future of the market [00:21:04] The challenges of raising capital [00:22:10] The discipline to say no to easy capital [00:22:45] Closing -------------------------------------------------------------- Connect with Bill:  LI: https://www.linkedin.com/in/billbymel/  IG: https://www.instagram.com/billbysea/  FB: https://www.facebook.com/billbymel  TW: https://twitter.com/billbymel  TT: https://www.tiktok.com/@billbymel Book: Win-Win Revolution - https://a.co/d/cMDA4ov   Connect with Sam: I love helping others place money outside of traditional investments that both diversify a strategy and provide solid predictable returns.     Facebook: https://www.facebook.com/HowtoscaleCRE/ LinkedIn: https://www.linkedin.com/in/samwilsonhowtoscalecre/ Email me → sam@brickeninvestmentgroup.com   SUBSCRIBE and LEAVE A RATING. Listen to How To Scale Commercial Real Estate Investing with Sam Wilson Apple Podcasts: https://podcasts.apple.com/us/podcast/how-to-scale-commercial-real-estate/id1539979234 Spotify: https://open.spotify.com/show/4m0NWYzSvznEIjRBFtCgEL?si=e10d8e039b99475f -------------------------------------------------------------- Want to read the full show notes of the episode? Check it out below: Bill Bymel (00:00:00) - You've got somewhere in the range of 250 billion still to 375 billion of defaulted mortgages. Still a very small number in comparison to the market. And so it has been tough, but that's all changing. And a one every 1% move is another 120 billion with a B of new defaults that are coming to market. So we're we're starting to see that trend go in the other direction. And it's like I've just got my popcorn ready.   Sam Wilson (00:00:32) - Welcome to the how to scale commercial real estate show. Whether you are an active or passive investor, we'll teach you how to scale your real estate investing business into something big.   Bill Bymel (00:00:45) - Bill by Mel.   Sam Wilson (00:00:46) - Is the CEO of First Lien Capital L.P. It's a privately owned distressed mortgage investment platform he founded in 2021. They currently own over 700 residential mortgages valued at over $65 Billion in Assets under Management. Bill, welcome to the show.   Bill Bymel (00:01:02) - Great to be with you, Sam.   Sam Wilson (00:01:03) - Absolutely. The pleasure is mine. Bill There are three questions I ask every guest who comes on the show in 90s or less.   Sam Wilson (00:01:08) - Can you tell me where did you start? Where are you now and how did you get there?   Bill Bymel (00:01:11) - Wow. 90s or less is the hard part. I started as a residential fix and flip investor in the early 2000 in South Florida. I've been a broker in Florida for years. I live in California now. I built that up, got into commercial real estate, buying and selling brokering as well. And then when the GFC hit, I got a random call from a asset manager in Southern California that said I can buy mortgages for pennies on the dollar. That was my lightbulb moment. That was three months before the fall of Lehman. In the summer of 2008. And from there I built I went on to say, I'm going to do this for a living. And for 15 years I've learned how to buy and sell mortgages, work them out, and really kind of created a new paradigm for how to work with distressed borrowers in the residential real estate market. And I've done this to the tune of several hundreds of millions of dollars at other institutions.   Bill Bymel (00:02:08) - The number two guide at a New York private equity firm. And then a couple of years ago, I was the baby bird leaving the nest and started first lien capital with the goal to build it to a half $1 billion company.   Sam Wilson (00:02:20) - Wow, that's really, really cool. I love that. So just to just to clarify, you went out and worked for another firm where you kind of cut your teeth learning this business. It sounds like that is a is an effective strategy to really get into what you're doing. Would you recommend the path you took or is there a better, better way to get it done?   Bill Bymel (00:02:38) - You know, it's very interesting because the secondary mortgage market, which is where we play, that's how we access our product buying and selling, right? That's where big pools of mortgages are traded, as well as small individual loans. This is a good old boys network. Right. And since the 2008 recession, there's been a lot more access to it. There's almost like a tertiary market beyond the secondary market.   Bill Bymel (00:03:04) - Smaller investors trading due to the Internet, due to the availability of communications. That said, the main secondary market remains a good old boys network. So yes, if you can, I always a big believer in finding someone with the knowledge you seek and have them be your mentor. So I met a guy named Pete Sligo back in 2010. At the time, I was buying small deals and and and build, trying to build up. And he had just raised his first 50 million bucks. And he was a mortgage note. He was a mortgage investor with experience at UBS and all the big New York houses. I was like, This is a guy I can learn from and he could learn from me because I knew real estate and we teamed up for ten years. I was his number two. I did all of his Florida stuff and it was through that mentorship that I gained access to the people that you need to know how to and how to work this very nuanced business. You know, it's really taking a Wall Street private equity, institutional world and bringing a main Street approach to it.   Bill Bymel (00:04:14) - You know, it's kind of combining those two things in what we do. So I highly recommend finding someone.   Sam Wilson (00:04:21) - Absolutely. No, that's that's great. I love I love the way that you've done that. It is a good old boys network, I feel like and maybe it's just because I run a podcast with 800 and something episodes, but I feel like it is at this point it's become more mainstream, like more people understand it. I mean, I don't think before and of course I was probably too young. I went through the oh eight crisis. I owned a business then but didn't understand kind of conceptually how all this was traded and kind of the like you said, the turkey is exactly right. Right. But I feel like more people have an understanding of what a mortgage is now, how they're bought and sold. Right. The we've had just obviously up until now, we're recording this June 13th, 2023. But we've just had a booming economy for a decade or more. Has that has the distressed mortgage market, has the pool of available loans shrunk over the last.   Bill Bymel (00:05:11) - Oh, absolutely. Absolutely. It has been very difficult to be a distressed mortgage buyer the last couple of years when there's been no distress. Right. Right.   Sam Wilson (00:05:21) - So what did you do?   Bill Bymel (00:05:23) - You know, I saw it. So the way I made my mark the first two years of this. So there were some unique opportunities in play with Covid when Covid shut down courts in this country. A lot of the guys my competition in the business really freaked out because if you already owned an existing pool of mortgages that were nearing foreclosure. And all of a sudden the courts closed that down. You know, now there's they're they had no timeline to exit these things they thought they were a year away from. So I got a lot of deals in the last few years buying my competitors tales, stuff from old funds, you know, buying up other people's problems, you know, And I have the experience and the knowledge and the comfort to to to really analyze all of those on a one by one basis. So we really hit it out of the park that way.   Bill Bymel (00:06:14) - So part of this business is kind of shifting about shifting with where the opportunity is. Prior to Covid, you know, there was it was scraps. You know, we didn't didn't grow too big. So, you know, there just wasn't enough volume in the in the industry. But keep in mind how big this the residential real estate industry is, $12 trillion of mortgages in America. If there's and we were at our lowest obviously our lowest default rates on record somewhere between 2 and 3%. Right now. So that means that you've got somewhere in the range of 250 billion still to 375 billion of defaulted mortgages. Still a very small number in comparison to the market. And so it has been tough, but that's all changing. And a one every 1% move is another 120 billion with a B of new defaults that are coming to market. So we're we're starting to see that trend go in the other direction. And it's like I've just got my popcorn ready.   Sam Wilson (00:07:21) - Right? Which I know what you mean when you say that because we I think we, we understand the pain that brings to families, to the people affected by it.   Sam Wilson (00:07:30) - So I don't I don't hear you in any way being like, oh, hey, I wish more people would have the stress on their mortgages. We don't. But at the same time, you play a very vital role in just how this economy functions and, you know, helping, help helping keep things liquid and things moving. So get it both ways. You're getting your popcorn now because it's like, well, this is kind of what we're poised for. Unfortunately, we're you're poised with a downturn and that's what that's where you make your money. So, I mean, that's that's part of it. But I want to find out. So so you said that, you know, the the last decade has been tough to be in the distressed mortgage business. But yet you guys, what was your competitive advantage and how did you underwrite that? I know I'm not supposed to ask more questions at once, but you got all your friends who were like dumping off their their kind of tailings of what they had going, All right, this is no good.   Sam Wilson (00:08:16) - That's no good. And you said, wait, there's opportunity here. So what was your competitive advantage there?   Bill Bymel (00:08:20) - Very good question. So I wrote a book about this. Obviously, I'm not, obviously. But you know, I mentioned it to you earlier called Win Win Revolution. You know, that I and it's really details the paradigm by which we operate. We put this paradigm into place over a decade ago, and in many ways it revolutionized our industry. I have competitors of mine that tell people, read, you know, that take my book and give it to their new asset managers, because the whole idea is to meet the borrower at their level. You know, I got it. Nobody wanted to. I don't didn't get into this business to become a debt collector. That's not of interest to me. I like real estate. I know how to value real estate. And I know that if a that it's a very safe investment because you're buying a note as long as it's based upon a true value of the real estate, you can't lose money.   Bill Bymel (00:09:12) - So it's from my perspective, it was the best risk adjusted return investment. Now, if I buy these mortgages at a discount, I can now share some of that savings with my borrowers. You know, we turn around and in in, you know, instead of calling this borrower up and asking them for a payment, we ask them. They're flabbergasted because they get a call from us saying, how do you see this resolving? What would you like to see happen? The first, if there's an opportunity to modify someone, you know, in the old days, we were giving huge principal reductions because people were underwater and that was phantom money to us too, because we were buying the mortgages at a discount. We were able, like you said, we provide a very vital role because as private equity, we have so many more tools in the toolbox. We take the first 30 to 40% of every pool we buy and and perform. Those people give them modifications If someone has the ability to pay and and the intention of keeping their home, we will do whatever we can to make that happen.   Bill Bymel (00:10:18) - And for that middle 50% where maybe they just priced out, their situation has changed, whatever it might be. We want people to exit with dignity. So we'll give people a waiver of their deficiency balances, will help set them up in a new rental property rather than spend money on an attorney to foreclose. I'd rather pass that so that savings back to our borrowers. So that's really how we revolutionized the industry. And that means. We do this through the help of our local real estate broker network and our mortgage brokers and people on the ground who are knocking on doors and letting people know, Hey, we're not Bank of America, you should talk to these guys. And that gives us the competitive advantage that others in the industry can't do. It's just not it's such a big industry. You can't most can't get that granular, right.   Sam Wilson (00:11:07) - Most can't get that granular. The I think the one the one key that gives you the margin in these deals to offer that flexibility is buying at a discount.   Bill Bymel (00:11:19) - Correct.   Sam Wilson (00:11:19) - Like you have to buy and I'm telling you things you already know. But you know, when you're buying at a discount, as you mentioned, for the last decade has been tough. I mean, because people are bidding a lot of these pools up. Am I? And if I'm incorrect.   Bill Bymel (00:11:33) - Yeah, yeah. No, no, no, no. So the last four years have been tough. I mean, you know, we had a good run up until about, I would say 16 is when the market, you know, right around the time Goldman did a deal with the with the federal government where a big settlement over the last foreclosure crisis, they made a huge commitment of dollars to buying buying mortgages and part of their settlement with the federal government allowed them to buy defaulted mortgages and modify them and get a credit against their settlement. So they've been the biggest player in the market the last 4 or 5 years. And then there's another woman who's bringing money in from Asia that's been overpaying for stuff.   Bill Bymel (00:12:16) - And there was a number of investors that were highly leveraged with very cheap capital up until a year ago that were also forcing the price of NPLs up. That said, they were always still creating at a discount, but you'd see stuff trading at, you know, in the 80s or 90s, not enough of a discount that we could really make our our our mold. So we ended up focusing on on harder to work areas like New York, New Jersey, Florida where there judicial foreclosure states a lot of the large institutional investors stay away from the judicial foreclosure states or will bid those down or just not bid them at all. And that's where we've been able to find opportunity and still find discounts over the last few years that.   Sam Wilson (00:13:03) - Yeah, that makes that makes that makes a lot of sense. How do you underwrite that many deals at scale if if you do it at scale? Or is it an individual loan by loan analysis?   Bill Bymel (00:13:14) - And if so, no. Yeah, it's a good question. We have we've developed the model for over ten years.   Bill Bymel (00:13:18) - It's a very it's a very it's a sophisticated yet simple discount model. So think of it like this. It's done on a loan by loan basis with every but and we get the data that the servicer gives us on any pool and we're able to look up it into our model. And what you're in essence looking for is what am I going to get if I have to take this to a worst case scenario, I have to take this property to foreclosure. How long is it going to take? What's going to be my cost to carry the money? What's the cost to the rehab? Potential rehab, legal expenses, the cost of insurance, property taxes? All of that gets discounted off along with a timeline. And what you're projected yield is over that two year period, let's say, you know, 20, 15% per year. And that's how the model determines what price I should what discount I should be offering on any individual low. And believe it or not, even with that, this model like if you get an old loan that's you know, that's late stage foreclosure, my model might say I can pay 105% of UPB for something like that because if it's been in foreclosure for two years, then you've already got another 10 or 15% in debt that's built up above your principal balance.   Bill Bymel (00:14:36) - So, you know, it does work both ways, but most of the time, you know, we're bidding in the 60s or 70s of, of of of value.   Sam Wilson (00:14:45) - Do you you you mentioned popcorn earlier. Are you expecting that? Bid percentage to come down in the near future? Yes.   Bill Bymel (00:14:54) - 100%. So what's happened is, is I've been able to consistently find deals in a mid-teens yield while the rest of the market is bidding large pools to high single digits yields. And what's happened now as a as in the last year is the adjustment in rates has happened. Everyone's expectations is now shifted into double digits, the regular market. And so we're now looking at deals that are in the 20s, minimum minimum 20% yield and as and it could get better, especially if we did dip our toe into commercial stuff in commercial, we should be modeling in the 30s. I mean, there's a bloodbath on the horizon there.   Sam Wilson (00:15:34) - Well, certainly, certainly in the office sector, there's a bloodbath. That's right. That's right.   Sam Wilson (00:15:40) - So, yeah, that's very interesting. What what is the I guess there's two questions I have attached to this. What is your disposition strategy once you get the loan performing?   Bill Bymel (00:15:50) - Oh, yeah, good question. We do have that's why the secondary mortgage market connections are so important. So we're able to pool a report forming pools minimum about $10 Million. Sometimes you get a buyer at five, but the institutional guys will securitize re performers in with new mortgages as they're building these as these aggregators come back to the market once the rates seem to level off, should you know, then you'll see a lot more of these securitizations come back or institutional buyers are just will just buy it to clip a coupon. So we're able reformers now will traditionally not sell for par but you know they'll sell in the 90s of their principal balance. So if I'm buying in the 60s, I'm taking in six months of payments and I'm selling in the 90s. You do the math. It's actually one of the the best return across the board in our portfolios have been deals that we've modified and resold and it's the win win strategy.   Bill Bymel (00:16:56) - So it's like I just love it, you know?   Sam Wilson (00:16:58) - Absolutely. Absolutely. So you I guess that's the last question attached to that is the seasoning period, six months, 12.   Bill Bymel (00:17:06) - Six months seasoning just to resell a loan and have it three months is it's of payments, considers it a repay forming loan. But most buyers in the market want at least a six month seasoning.   Sam Wilson (00:17:19) - Oh, I would think so. I would think so. So you repackage these and you sell these off to aggregators, then? That's right. $10 million at a time. Can you take that on your fund? Is their debt for acquiring debt?   Bill Bymel (00:17:34) - Absolutely. Absolutely. So it's very interesting to see how that market has changed. Yeah. Um, those of you who have watched the news recently know the name back West Bank PAC, West Bank owned two lender finance companies where they had their own internal lender finance, and then they had another Capital Solutions out of DC that they had acquired a couple of years ago, five, ten years ago.   Bill Bymel (00:18:02) - They were one of the larger players in the debt on debt space. So just as an FYI, now they're out of it now. Thank God I didn't take the line of credit they were offering me last year because it was attractive last year at a four and a half, five and a half rate. But that same but those are their floating rates, right? I would have been sitting on a on a 10% loan. So now the debt, the debt on debt still exists. Credit Suisse is obviously most famous for it. It's interesting to the names that are that were bubbled around as being problematic recently are the guys who are deducted. Right um but those guys and there's a there's a number of them still out there Western alliance was another one that did you know that does lender finance there's you absolutely can do it we do we could do it. We try not to leverage ourselves. We try to stay all equity but we have that option. And where we're at right now is that the leverage on leverage options that are out there.   Bill Bymel (00:19:03) - It used to be if I want private equity, I'd have to pay minimum 10% or so and I could get the banks for five, six. Now the banks are not there. So for plus 450 or 500, so it's close to 10% money at the banks as well. So you're you're almost better off doing now the private guys are trying to push into low single, low doubles, but they'll still take 10% probably if you have a relationship. So you're actually better off leveraging through private equity right now.   Sam Wilson (00:19:31) - Right. And does that come in as debt or do they come in as equity?   Bill Bymel (00:19:35) - All of my equity has come. All my private equity money is coming as equity so far I've got I do have it's funny, my main private equity partner is a big, you know, billion dollar institutional group out of New York. And they pursued me as debt for a year. And we and I just that wasn't the kind of relationship I wanted to have. So I prefer to have all equity, have us all, just have, you know, you know, you know, all of our we're all vested in it together.   Sam Wilson (00:20:08) - Pursue and that and shoot man I love the idea of limited to no debt because it just leaves it leaves the toolbox. You leave every tool in the toolbox to really do what you want without constraints. That's great and do what's best for the best for the fun, best for the investors, best on the return profile. It just leaves you much more nimble. Absolutely. Love that. Let's talk here. The last 60s or so that we've got here on the show before we get into how to how to contact you and get in touch with you, let's talk about raising capital. I mean, it's it's something you've got a lot of experience in. What's it been like raising capital for the nonperforming loan space?   Bill Bymel (00:20:48) - You know, I'm an asset. I'm an asset manager by trade in a deal guy. So learning to raise capital was going back to school six years ago at my previous firm was the where I had to first do it. It was one of our main capital partners was starting to pull back.   Bill Bymel (00:21:04) - And so I had to learn how to go out and brand ourselves, packaged, talk to investors. And it has been very educational and and wonderful and yet not easy. You know, the persistence is the key, especially with large dollars. I've got a guy that a gentleman, for instance, right now, multi multimillionaire, I have been pursuing for five years. And he's about to write his first million dollar check this week. And it's persistence. It is, you know, being, you know, the strategy, you know, perfecting our pitch for our strategy has been fine. You know, I think everybody who gets real estate with a little bit of nuance or a little bit of sophistication likes the uniqueness of our strategy and sees the soundness of it. But, you know, raising capital is a whole different it's a whole different career. And, you know, I may look back on this and say, you know, it was worth it because of the money. And I may just say, you know, I like doing deals and I'm going back to just doing deals.   Bill Bymel (00:22:10) - We'll see. Right.   Sam Wilson (00:22:10) - Right. But I think the one interesting thing in all of that, despite the challenges raising capital, the temptation to have your billion dollar fund or $1 billion PE firm that says, hey, we want to come in as debt, I mean, that's low hanging fruit for the guy out there raising capital. And yet you had the patience and. In the discipline to say no. Yeah, not the way we're doing business. So I think that's really, really cool. An awesome, awesome part of your story there to point out. Bill, if our listeners want to get in touch with you, learn more about you and or get a copy of your book Win Win Revolution, what is the best way to do that?   Bill Bymel (00:22:45) - My personal website is bill by bill bml.com.   Sam Wilson (00:22:53) - Fantastic build by Malcolm and make sure we put that there in the show notes. Bill, thank you again for your time today. Certainly appreciate it.   Bill Bymel (00:23:00) - Great to be with Sam.   Sam Wilson (00:23:01) - Hey, thanks for listening to the How to Scale Commercial Real Estate podcast.   Sam Wilson (00:23:05) - If you can do me a favor and subscribe and leave us a review on Apple Podcasts, Spotify, Google Podcasts, whatever platform it is you use to listen. If you can do that for us, that would be a fantastic help to the show. It helps us both attract new listeners as well as rank higher on those directories. So appreciate you listening. Thanks so much and hope to catch you on the next episode.  

Georgia is one of those states that note investors are often looking to buy notes or deals in due to the fast foreclosure process. But in this episode, Scott Carson breaks down a current note deal that he is working on in Rossville, GA. It's a performing note with a ton of equity but with only a couple of years of payments left. Scott shares the numbers on this deal and why he is only offering 50% of the UPB on this performing note and why it's either a deal or a dud!Watch the original video HERE!Book a call with Scott HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Any books on parenting you'd recommend?In the world of "The Future," would HR departments still be a thing?How can UPB be universal, yet at the same time be relative based upon the relationship between people" This is referring to the idea that to owe a person truthfulness, they need to be honest themselves?Did you watch the documentary Plandemic 3?Are individual freedoms and societal stability always compatible?How do we define nations if society doesn't exist?isn't personal freedom and human rights also just a concept?What if someone is researching a potentially dangerous bio weapon? Do we classify this as the initiation of the use of force even if we have not yet seen the outcome of this research?The other day listening to a livestream I had realized how much I want to be like you Stef (mixed with my own likes/preferences). What steps would you recommend for me to gain your wisdom, strength and integrity?Do you think A.I research posses a credible threat to societal stability? This was privately funded and can lead to mass job layoffsCan a free market solution ever rival people who can print money / want to prevent everyone else from rising to their level?Do you think that Apple VR snorkel will revolutionize the world or end up like the metaverse?How did you come up with the idea for your environmental software?How would a free society "school" or "educate" those of a lower intelligence?Livestream 11 Jun 2023

What is your opinion about making children share? My daughter is almost 3 and thinks everything belongs to her and wants to snatch others kids toys and also doesn't want other kids playing with her things. I don't want my kid being obnoxious but I'm also kinda over hovering over her on play dates to make sure she's playing correctly.Hey stef, how do you peacefully parent and avoid using force (taking toys away, for example) with toddlers? Say, at the ages where they're less likely to apply lessons you attempt to teach themSeeing all the ufo stuff means there's something they're tryna hideFEMALE EVILHi Stef, what if we're talking about information based life forms like A.I. Would they need the non aggression principle if they had a hive mind like state of existence and could minimize conflict below the threshold necessary for interstellar travel?That is why UFOs, flat earth, healing crystals, politics... to avoid assessing mom and dad.I used to believe there wasn't alternatives, then I put on the freedomain googles and found a good womanI sat on couch listening my wife raising voice too much to our children, i was just thinking omg this is the hell, relatively good but still hellFamily story of me being spanked the day I was brought home from the hospital.There is a part of me that makes me question my high moral standards towards women.I think about that a lot... I look at less virtuous people than myself and have a negative thought or feeling about their choices.... then a part of me says... "Well at least they have reproduced.""What good are your values if they die with you."This has been a great convo so far Stef, It reminds me of my need to live a moral virtuous life, Re-reading Real Time Relationships has moved to the top of my reading list.UPBYou have previously collaborated a lot with Lauren Southern, now a divorced single mother who says she picked her partner based on values. Do you have any thoughts on that?Stef, how do you find motivation to write a long novel? I've been daydreaming about writing novels for like a decade now but the sheer time it takes to get to the end of it feels so daunting that it demotivates me. It's like a crazy long marathon and I'm avoiding it because it feels like walking through a desert, even though I really really want to do it.Do you think society embracing UPB would unleash an age of unprecedented intellectual growth and prosperity?I finished The Future yesterday, it was amazing Stef! Thank you

Livestream 4 Jun 2023My father kept in close contact with his verbally abusive mother until the end of her life. I could see this slowly wear him down over the yearsCatcher in the Rye, JD SalingerOK, but what if your secret is that you have been with a dozen prostitutes? I am still puzzling over that one. What's the golden ratio in honesty?The devil says sin is no big deal before you do it and then afterward he says it completely defines youStef, What would be an example of someone who hides their past in order to get a relationship, in this context.Your shows are really helping me turn my life around, I am starting to make so many good decisions and not engage in any destructive behaviour and I have just started dating a real quality women. Thank youHere, is a harder question. for the example of body count, is it possible for this kind of reform, and growth possible.Stef I'm sorry, but you mentioned you hit your mother when you were a young teen. I understand this was in self defense but I believe this is a contradiction of hitting someoneNo you said you had not hit someone. You added fist fight after. I just thought it was curious.I stated I was sorry I understood where you were coming from and it was in self defense, I know why you did it and I had opportunities when I was younger too. But did not.You had not gone into detail about the hitting in your previous stream. The word just caught my attention as you mentioned you had never hit someone. So I think it's a choice of words.My dearest apologies that my messages are coming across as uncompassionate, I do not know how to communicate it over text.But I started with I'm sorry and you took it the wrong way.Thank you Stefan, you know how valuable this show is. I'm only just beginning to see how truly valuable it is, especially since I started working out regularly, going to therapy and journaling.This stream has been great Stef, Thank You. I wish to be more like you, I may start going to therapy twice a week despite how pricy that can be it helps a lot. Once a week doesn't seem like it's enough, like exercising only once a week.It's interesting how UPB is sort of automatic for kids. As soon as you do something for one the others say, "What about me?"What do I do about Father's Day after basically not speaking to him because he is the epitome of a narcissist?Do you think it's harder to peacefully parent, multiple children, interactions-Sibling fighting? I know you did very very well with a single child.I am going to a speed dating event tonight (one of the many things I am currently trying). Any suggestions about topics of conversation? I got a few in mind, but I am really open to suggestions.

I'm going to be co-leading a Bible Study soon, I want to do an amazing job and be a good leader. In the study and else where. What do you think are good qualities in a leader I could emulate?What do you think about the Christian high value of confession, bearing each other's burdens and encouragement?Stef, u would make a great minister/pastor.How would a privately-funded military handle terrorism?This reminds me of therapy. You've mentioned many times how beneficial therapy was for you. What style was it? Was it Jungian or more like CBT? I've heard you mention you did anima-work and dream analysis.I wonder if people worry about global warming cause they are subconsciously afraid of hellStef is that why people don't seem to want to work anymore? Because they know the system is not sustainable?I think a solution to shyness would be exposure therapy. Just try having a small conversation and take it one step at a timeStef, I believe I found a great, virtuous woman. However, I am still drawn to more physically attractive women. Why am I so focus on the physical appearance of women? I think this will be ny downfall. I don't want to end up being alone and childless.What would you say to peaceful parents of 2 kids who think they won't have time to commit to more kids?Thank you for all you do Stephan. Im grateful for all you do. Any advice for strengthening a marriage as far as communication? As a man who has spent alot of time in my own world, I find I have trouble conveying thoughts and idea to my wife from time to timeDoes lying break UPB?Stef what's your opinion on "over sharing" Could it be a form of compensating for something? Or maybe seeking validation or acceptance?"I'm the best you can get honey, I ain't changing". Sigma energy dripping from attitudeMy gf's sister "saves" money by living with a guy she's not with. She's doing her masters, can't find a partner and is getting desperateSex and the City is a weapon of mass destruction. All the potential baby's that could have beenHi Stef, what is the line between indoctrinating children with a religion and using said religion to provide moral instruction? Can you provide moral instruction in a religious context with it being a form indoctrination?Listening to How to Survive Sin. Amazing show. Unfortunately parallels closely with my life.Livestream 28 May 2023

Any suggestions for dealing with overthinking and performance anxiety?In 5120 you mention men talking women out of their neuroses. Do you have any advice for how I can be more effective at this?Hi Stef, My prisoner pen pal in CA, who is 33 years old, got released from prison four months ago having served his seven year sentence for burglary (baloney theft) and abruptly went off the radar. He doesn't know anybody except me and his sister. I'm pretty sure he has a touch of autism, he's not socially outgoing. He is still alive; I found his arrest warrant for vandalism last week. Also, he decided he was a girl and went on transgender hormones last year and I believe he is shooting meth daily now too. I miss him. I have no idea / can't imagine what is going on in his head. What do you think is going on with him? Where is he going with this?Hey Stef, when's the Nietzsche and Schopenhauer philosophy episodes coming? I hope you don't have some sort of prejudice towards old German guys with moustaches, I hope it's because your preparing to deliver the richest and deepest insight into the philosophy of these two guys ever and that is the reason your taking so long to get around to them. If so I understand Stef, take your time. Make sure to include Nietzche's idea of ‘eternal recurrence'. Imagine being born in the same life in the exact same circumstances over and over again forever!In general how much do you think a woman cares about the prestige/social value of a man's job versus his earnings? For example a plumber making a few hundred k a year versus a more white collar job making far less but with a more “impressive” title.Although I do feel the blue collar man is due for a big comeback in the years ahead.Hi Stef, I'm current listening to the UPB audiobook and I have a question.If two universally preferable behaviors contradict one another, which one do we default to? Take this example discussed at the 2:25:40 time stamp. https://odysee.com/@freedomain:b/universally-preferable-behaviour-a-2:a?src=embed1. Everyone would rather steal an apple than starve to death.2. Thus everyone universally prefers stealing apples to death by starvation.3. Thus it is universally preferable to steal apples rather than starve to death.4. Thus survival is universally preferable to property rights.5. Thus what is good for the individual is the ultimate moral standard.Here the contradiction is between survival and property rights. You've used biological mutations not disproving biological classifications as a rebuttal, but usually biological mutations don't contradict the essence of a biological classification.You have also said, that a survival based morality doesn't offer answers to questions such as "If it is morally permissible to steal food when you are starving, how much food can you steal? How hungry do you have to be? Are you allowed to steal meals rather than look for work or appeal to charity?"However, if according to UPB self defense is justified, surely there are also similar questions such as " How do you know whether or not a threat is eliminated? Can you preemptively defend yourself or is self defense only reactive?" So surely the complexity or potential for abuse exists in both cases.You have also said, survival based behaviors use "mere biological drives as justifications for behaviour... It is an explanation of a behavior rather than a proposed moral theory."UPB however, is also driven by the biological drive to live and it is also an explanation of behaviors so I don't understand how on a technical level the desire to survive as a UPB, is less valid than other UPBs.If the desire to survive isn't a UPB, can you talk more about why? If it is a UPB, how do we organise it into a hierarchy with all the other UPBs?Thank you in advanceDo you follow much politics and just not talk about it on the show or have you cut out most of it from your life?Just a "humble" request: never speak about or answer questions about (boomer

Philosopher Stefan Molyneux answers questions fromhttps://freedomain.locals.comWhat are the benefits of talk therapy and what should someone expect to do when starting talk therapy? What Do you expect from a session and things to do in between sessions?Stefan we need you to go back on Twitter, we need an update on Taylor Swift's eggs, even if this is the one and only thing you tweet, I need to see it because I want to watch and see the leftists go absolutely crazy

Philosopher Stefan Molyneux takes a variety of wild philosophical and personal questions!Is there any good reason for a random male to end up in your partner's inbox.I think the saying "slide into the DMs" is about a nerfarious man sending out the instant messenger equivalent of cold calls.Any thoughts, stef ?Have you watched the recent Star Wars show called and/or and would you be considering doing a review ?I'm a 45 yr old woman getting married 28 Jan to the man of my dreams I found by a miracle after much self knowledge acquired by years of listening to you but I feel still feel paralyzed and lots of anxiety about being the center of attention likely due to extreme neglect and narcissistic upbringing. This may need to be a call in show but any advice to jumpstart my actions and if not can you schedule a call in with me soonest?If you intellectually understand a problem, but have difficulty internalizing emotionally, does this indicate you have to dig for a deeper understanding? Or can some things simply be “hard pills to swallow” and the emotions will calm down in time?When having a discussion with someone recently they said that I'm not light hearted enough and never take an answer at face value and just keep asking.I assume this is a sophistic tactic, is it ?recently had a friend commit suicide. Second friend in 8 months from the same friend group. We had talked about that first friend before. Now I'm trying to figure if I should stay around this group of friends in this dark time of if I should distance myself for my own sake.Do you think the move towards atheism and away from the church is not because of “love of the science” but actually caused misplaced anger at a couple generations of selfish parents?how does a harshly self-critical alter-ego manifest itself in relationships to other people? Does it desire connections that allow the alter-ego to feed off of the flaws of othersHey Stef how do I reclaim my assertiveness. I was the youngest in my family & I had be very deferential to survive, now I'm a very agreeable adult.grew up in a university town, my grandfather moved here to teach...my entire youth was spent with overly wealthy kids of never there parents, weed, cocaine, booze, insane at that young age..I've gotten frustrated with the “manosphere” community. Seems like a green light for young guys to indulge in hedonism & avoid starting a family. No real mention of religion either.Do you think your view of the world is worse than things actually are because you always talk with dysfunctional people in the call ins?Why is it that UPB & NAP are never discussed between pubic figures? I've noticed just as an average man with some status in my community that UPB brings great understanding and build a foundation for other reality based conversations.Do you think the move towards atheism and away from the church is not because of “love of the science” but actually caused misplaced anger at a couple generations of selfish parents?

Philosopher Stefan Molyneux takes a listener question on a live stream October 7, 2022.

The ethics of UPB, why I quit my career - and the joys of invisibility!Join the Premium Freedomain community!https://freedomain.locals.com

Philosopher Stefan Molyneux answers questions in an electrifying live stream, such as:Jerome Frank says, In Law and the Modern mind, formal logic is flawed and therefore, absolutism is false. He cites some cogent examples from F.C.S. Schiller and some Piaget, saying when a child discovers his father is not omniscient, he shifts to other ideas as a surrogate, to maintain the absolutism he dreams to be true.He also mentions word magic and that words become bigger than the concept, making words elastic enough to encompass everything to their particular bias.Any thoughts or rants on any of the above?I've talked to my husband about peaceful parenting and that you have never punished your daughter. We are hoping to start a family in the next year.He thinks it's possible raising boys and girls is different, that he was much more difficult to raise than his sisters, and was constantly in a power struggle with his father. He thinks maybe boys do require more discipline in order to become disciplined men. He agrees physical punishment is not acceptable.Thanks to crypto I went from nearly broke to top 1% (in the west) in 2 years time. It wasn't just luck. I spent 2017-2020 studying and working at it.I was shocked to see nearly zero genuine joy from friends or family for me for this achievement after humbly disclosing it.Are almost all human beings innately resentful and jealous, even of those closest to them? Should I judge them for it? It does sadden me. Thanks.Hi Stef! How can I minimize the risk of my 10 month old daughter becoming a childless leftist feminist in the future? I am happily married, my wife stays at home, we're into PP and I assume this is a good starting point. However what I'm worried about is the ubiquitous leftist propaganda that she will encounter. Taking into account that the society as a whole tends to be lefty and that women tend to be more compliant I am afraid that she won't be able to reject the peer or social pressure and will soak up their ideas. Any advice would be appreciated. Thank you.Is it possible that the darker part of myself is in part what has kept me safe in later half of life? My upbringing and past is about as sordid as one can imagine but my latter half has been quite the opposite. To the point where I often feel “square” or “upright”. Or I may be made to feel such.sometimes I get angry too easily and its of course my fault.is this the "dark personality" you talked about last Q&A or something else?Because I don't care for that specific part of me but maybe I am missing something about the "dark personality" thing and maybe its got a purpose to serve?Id love your thoughts!!Death penalty and UPB?