Podcasts about vest

"Simply the Vest" is a dry cleaning service with a basement full of supplies, tools, clothing, and… water. After a heavy rain, the owners discovered that their sump pump had failed, causing water to back up into the basement, resulting in damage to their property. Under their BP 00 03 form, coverage for this cause is firmly excluded. However, they paid for a supplemental endorsement with some interesting technicalities… Notable Timestamps [ 02:43 ] - When assessing coverage, always start with the underlying policy form before reviewing any endorsements, ensuring clarity on the initial coverage. [ 05:32 ] - Supplemental coverages given to an insured typically identify specific needs that they have in the transaction and provide clear limits for each supplemental coverage provided. [ 08:11 ] - Endorsements can provide additional coverage for water-related claims like backup and overflow or mold, which are generally types of losses that would otherwise be excluded. [ 11:18 ] - Determining coverage requires looking at the exact policy language, fitting it to the specific scenario, and matching facts to the policy language. [ 13:45 ] - Sump pump issues often involve power outages (necessitating battery backup) or mechanical breakdown, but each claim has to be assessed based on its individual merits. [ 15:23 ] - An endorsement providing additional water backup coverage may also modify or replace the existing water damage exclusion found in the underlying BP policy. [ 17:49 ] - If a loss isn't excluded under the underlying policy, the supplemental coverage-- which could be subject to a lower limit-- would not be needed. [ 16:18 ] - Brennan provides a brief conclusion. Your PLRB Resources Coverage Question: Sump Pump vs. Septic Pump - https://www.plrb.org/documents/sump-pump-vs-septic-pump-pcq-2024-09-24-dwf-b Property Question of the Week: Sewer Backup Coverage vs. Flood Exclusion - https://www.plrb.org/documents/sewer-backup-coverage-vs-flood-exclusion/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org. Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

The grind behind the glory. Welcome To BARAH MINISTRIES Al Gleason Guest Teacher Good morning! Welcome to Barah Ministries...an intimate, local Christian Church with a worldwide impact. My name is Al Gleason, and I will be teaching today. Thank Pastor Rory Clark for sharing... for full notes: http://www.barahministries.com/index.php?proc=lsn&sf=v&tid=1968

Cuando uno viene a Cristo para salvación, uno nace de nuevo – recibe una nueva naturaleza espiritual.COLOSENSES 3:9-109 No mintáis los unos a los otros, habiéndoos despojado del viejo hombre con sus hechos, 10 y revestido del nuevo,Iglesia Bautista de Santa AnaPastor Ringo Ayalahttp://santaanabaptist.orgContactenos en: info@santaanabaptist.orgRecursos: https://payhip.com/ContendiendoPorlaFe

Na primeira parte, mergulhamos no viés religioso, discutindo se o instinto de viver em grupo é um impulso natural ou uma orientação divina. Será que precisamos de Deus para explicar o instinto social? E por que o Espiritismo, ao contrário de tradições que valorizam o isolamento, enxerga na convivência o caminho do progresso espiritual? Na segunda parte, abordamos o viés social: o acesso ao necessário é uma responsabilidade individual ou um dever coletivo? O que o Espiritismo diz sobre o egoísmo, o trabalho e o bem-estar material? E até que ponto o desejo de conforto é natural — ou uma armadilha dos excessos humanos? _________ https://super.abril.com.br/ciencia/como-tomar-decisoes-instinto/  DAWKINS, Richard. O gene egoísta. Tradução de Rejane Rubino. São Paulo: Companhia das Letras, 2007. EPSTEIN, Mark. Terapia zen: quando a psicologia e o budismo se encontram no divã. Ed. Vestígio, 2022.

Tron is a weird franchise and Tron: Ares just continues the weirdness. From what I've read, none of the three movies were considered hits for Disney. But somehow three of them have been made and they made a really expensive[…]↓ Read the rest of this entry... The post 9ES348: Close To The Vest appeared first on 9to5 (dot cc).

Tron is a weird franchise and Tron: Ares just continues the weirdness. From what I've read, none of the three movies were considered hits for Disney. But somehow three of them have been made and they made a really expensive[…]↓ Read the rest of this entry... The post 9ES348: Close To The Vest appeared first on 9to5 (dot cc).

Weighted vests are trending — especially among women over 40 — but do they actually help? Andrea and Marianne dig into the science and share the real pros and cons. From bone health and posture to strain and safety, this episode breaks down what you need to know before buying one. Tune in to find out whether the extra weight adds up to better health — or just another fad to skip.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.sistertipsters.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠**Follow⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sister Tipsters on Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠***Shop ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Our Favorites⁠

Host Jeff Cioletti sits down with the team behind American Cane, a new American rum producer in Louisiana. Maggie Campbell, formerly of Privateer Rum and Mount Gay Rum, joins American Cane co-founders Chaz and Darin Vest as CEO. Together, they discuss the past, present and future of the American rum category, as well as what's in store at American Cane.

Denne søndagen taler Hilde Joy Vestøl med overskrift "Når Guds ord blir åpenbart" fra 1 Sam 3,1–11 .

Trend alert: weighted vests. These low-weight vests are all the rage in the midlife/perimenopause space right now. The menopause experts say to wear these babies every day, all day, and for every exercise. The fitness experts say there is a whole lot of problems with wearing a weighted vest for long durations and with certain exercises. I break it all down and go over the most commonly touted studies on bone density and fat loss. I cover some times they definitely aren't a good idea and how to avoid the biggest mistakes if you do choose to use a weighted vest.   Grab the Midlife Is More Than HRT guide free right here if like me, midlife didn't feel quite like you expected. And be sure to listen to episodes #438 and #439 which were all about the mess that midlife can be, and my 3G+4R process to tackle it!   Stuff I Know You Will Love If you are looking for an expert prescriber for HRT during your perimenopause or menopause journey but are at odds with your local provider being a bit behind current best practices or you simply can't find anyone near you to help, it is MIDI to the rescue! I've worked with a number of telehealth services in my search for providers that are up to date on modern menopause medicine, have great customer service and who are licensed in all 50 states and I'm so thrilled to have found my provider with MIDI. If you too need help with getting HRT please use this link bit.ly/drbrookemidi to try MIDI with no membership fees and insurance billing available.   Be sure you connect with me in my FREE PRIVATE Facebook group: Hormones & Happiness with Dr Brooke where other amazing, like-minded women like YOU are already hanging out! Join us!   Follow Dr Brooke on Instagram and get signed up for my awesome emails here. Seriously, I write really great emails, or so 1000s of women tell me and I'd like to send you one too. To work with Dr Brooke click here and if you loved this episode please leave a review! 

YOU'VE ALL SEEN IT! The Benson Boone quilted vest. The Chelsea Porter magic. I could not stop watching those IG videos @chelsea_b_porter — the creativity, the confidence, the absolute vibe of it all. Tune in right here for an EXCLUSIVE interview just days after the concert with full emotion, full excitement and all the glorious details. Today I'll have a chat with Chelsea B. Porter! Chelsea Porter's website: www.chelseabporter.comChelsea on IG - @chelsea_b_porterProducts Chelsea mentioned on the podcast: Moda Fabrics, Ruby Star Fabrics, Oliso Irons, Harmony Fabric, and she mentioned that HER NEXT DREAM is to be a guest on the Drew Barrymore Show! (She's going to make a Josie Geller inspired quilted jacket! )Quilter on Fire Website - https://quilteronfire.com/OLISO IRONS - Host of the Quilter on Fire Podcast Lounge each year at QuiltCon!BUY YOUR OWN OLISO MINI PROJECT IRON RIGHT HERESquare One Textile Art WorkshopJoin Brandy's email listFree Quilter on Fire Holiday Table Runner VIDEOSUPPORT THE PODCAST by becoming a Quilter on Fire Podcast Angel for as little as $3 per week.Support the showSupport the showThank you for listening to the Quilter on Fire Podcast.

In this episode we compare weight vests vs backpacks and talk through if they are useful for a hikers training.  == Want to get fit, strong and resilient for your hiking adventures? Check out the Online Summit Program: https://www.summitstrength.com.au/online.html

Werd Robbert bedreigd of was het gewoon zijn grootste modemisser ooit? Volgens Daan kon hij zó in z’n dwangbuis naar de crisisdienst worden afgevoerd. Nederland liep gewoon achter op Robberts visionaire modeblik. Eén ding is zeker: als “How can I make this about me” een gezicht had, dan was het Robbert.
Hebben we het eigenlijk al over Robbert gehad? Hoe dan ook— Daan moet eerst nog zien of hij wél mee mag naar de Televizier Awards met z’n bestie.See omnystudio.com/listener for privacy information.

Returning guests Allan & Barb Vest of Oklahoma City-based doubleVee bring us a record considered by many to be one of the key alternative rock albums of the 1980s, 'Doolittle' by Boston's Pixies. Released in 1989, this collection of 15 short-but-potent songs was a thrilling shot of adrenaline that laid the groundwork for much of the nineties indie-rock to follow. Songs discussed in this episode: Here Comes Your Man (Pixies cover) - Teenage Fanclub; Modern Times - doubleVee; Doe - The Breeders; Bigmouth Strikes Again - The Smiths; 'Cross The Breeze - Sonic Youth; Mantovani - The Holy Terrors; Swallowed - Bush; Bone Machine - Pixies; Submarine Number Three Vee, Everyone's Lonely Under The Sea - doubleVee; Debaser - Pixies; Waiting For The Sun - The Doors; Tame, Wave Of Mutilation, Wave Of Mutilation (UK Surf) - Pixies; Debaser (Pixies cover) - Tin Machine; Say Please - Guadalcanal Diary; I Bleed - Pixies; Waiting For The Man - The Velvet Underground; Here Comes Your Man, Dead, Monkey Gone To Heaven, Mr Grieves, Crackity Jones, La La Love You, No 13 Baby, There Goes My Gun, Hey, Silver, Gouge Away - Pixies; Maybe Tonight (What's Inside Of Me), Everyone's Lonely Under The Sea - doubleVee

Tatiana Țîbuleac este una dintre cele mai apreciate scriitoare de limbă română, în spațiul de limbă română – în România și Republica Moldova – dar și în alte țări. Primele ei două romane, „Vara în care mama a avut ochii verzi” și „Grădina de sticlă”, sînt traduse, cu mult succes, în peste 20 de limbi.Tatiana Țîbuleac a publicat recent romanul „Când ești fericit, lovește primul” (Editura Cartier). O carte ca un ghem de teme spinoase și actuale. Personajul principal al cărții, Mila, are 50 de ani, a emigrat în anii '90 din Republica Moldova în Franța și este alcoolică. Tatăl ei de asemenea a fost alcoolic. Mila a crescut fără mamă – și, adesea, fără tatăl iubit, plecat mai tot timpul pe teren, prin satele Moldovei, despre care scria reportaje –, într-un Chișinău marcat în anii '90 de sărăcie și criminalitate. Profesorii, doctorii, angajații la stat nu-și primeau salariile cu lunile. Ea însăși devine profesoară de franceză la Universitate dar ajunge să aibă de-a face cu lumea interlopă și traficanții de droguri și valută. În Franța, face munci necalificate și nu-și găsește locul. Dar își spune povestea. Cu cinism, cu maximă onestitate. Povestea ei poate fi considerată o sinteză a poveștilor de viață ale multora dintre femeile care au emigrat în anii '90 din Republica Moldova în Vest.Tatiana Țîbuleac: „Mila este o femeie tipică din Estul Europei, o femeie care a plecat în primul val de migrație din Republica Moldova, care a fost cel mai dur, cel mai violent, cel mai necruțător. Aș vrea să se înțeleagă că Mila a migrat altfel se pleacă acum peste hotare. Iar ceea ce a devenit ea sau vocea asta tăioasă și cinică este de fapt tot ce i s-a întîmplat în viață. (...) Anii '90, de care vorbim în carte, sînt anii care au lovit foarte, foarte dur Moldova, sînt anii în care oamenii au fost disponibilizați, și-au pierdut serviciile, au devenit săraci, în care nu aveam curent și era frig în casă și eram disperați.”Mila are un discurs necruțător, își povestește viața fără să cosmetizeze experiențele dure prin care a trecut, dar are și momente de duioșie, de tandrețe, mai ales cînd vorbește despre tatăl său și despre prietenii ei. Cum ai ajuns la vocea personajului narator, Mila?Tatiana Țîbuleac: „Am trăit acei ani, nici măcar n-a trebuit să fac cercetare, pentru că atunci eram jurnalist și scriam despre asta în fiecare zi. (...) M-am întîlnit cu foarte multe persoane care pur și simplu s-au frînt în acei ani. Se întîlneau la fiecare pas tragedia, drama, frica de-a trăi într-un Chișinău criminal, în acele vremuri. Toate jurnalele de știri începeau cu împușcături, cu morți, cu droguri, cu interlopi prinși, eliberați, scăpați. Un fenomen care m-a marcat a fost traficul de persoane. Au fost niște ani absolut îngrozitori din acest punct de vedere. Femeile tinere, sperînd că vor pleca peste hotare să muncească, să-și găsească un loc de trai, ajungeau, multe dintre ele, victime ale traficului de persoane. Am făcut multe reportaje pe tema asta. Toate acele povești s-au adunat într-un fel. Probabil că este răspunsul pe care-l dau de fiecare dată cînd sînt întrebată despre cărțile mele: nu este povestea mea dar este și vocea mea acolo. (...) Cred că este cea mai sinceră carte a mea. Pentru că migrația nu este ușoară niciodată, nici atunci cînd pleci la mai bine și deja totul este aranjat în țara în care vii.” Apasă PLAY pentru a asculta întreaga discuție!O emisiune de Adela GreceanuUn produs Radio România Cultural

Popularity shapes our choices every day, but in today's world, what we perceive as “popular” is often steered by algorithms, targeted ads, push notifications, and the constant pull of social media; forces we may not fully recognize. In this episode of Two Guys on Your Head, Dr. Art Markman, Dr. Bob Duke, and Rebecca McInroy […] The post The Weighted Vest: an update on popularity appeared first on KUT & KUTX Studios -- Podcasts.

Will Vest has been great!

Hacer click aquí para enviar sus comentarios a este cuento.Juan David Betancur Fernandezelnarradororal@gmail.comHabía una vez, en un rincón olvidado un universo en el que todos los elementos tenían uso de la razón y  donde cada uno de los  conceptos posibles caminaban como seres vivos. Uno de estos seres era la oscuridad que pese a haber reinado en silencio por eones sentía que su poder sobre el universo se iba desvaneciendo. La oscuridad había envuelto al universo  con un manto que pese a ser absoluto podía ser eliminado si algo la confrontaba. Y Eso sucedió en algún momento que nadie esperaba. En las fronteras de aquel universo oscuro apareció unn pequeño fulgor que nadie sabía de donde venia pero era claro que se iba expandiendo con cada segundo que pasaba. Su paso era arrogante y conquistador y con ella nuevos seres iban apareciendo. Rapidamente la luz llego hasta los más remotos confines de aquel universo formando astros que la transmitían a todos los otros mudos que no la tenían anteriormente. Era pues un momento apoteósico para el universo ya que cada planeta teria ya la visita de la luz cada día en forma de amaneceres y así los habitantes de aquellos mundos podían tambier crearla con chispas de fuego. La Oscuridad, herida en su orgullo, decidió que ya era suficiente, no podría seguier soportando que aquellos mundos que antes eran suyos se pasaran de bando y se fueran aunque fuera temporalmente con la luz. Se decidio hacer lo que cualquier desesperado hace. .—¡Le pondré un pleito! —exclamó con voz grave, que resonó como eco en una caverna vacía. Y todos los seres viviente comenzaron a analizar las implicaciones que esto tendría s su vida y deseosos esperaron el resultado de aquel juicio.Así fue como se fijó una fecha para el juicio cósmico. El Gran Tribunal de los Elementos se preparó para recibir a los dos rivales.  La sala era majestuosa, construida en mármol de tiempo y columnas de equilibrio. En el centro, el Juez, una figura de rostro cambiante, esperaba con su mazo de sabiduría y verdad.La Luz llegó temprano, como siempre como llegaba cada mañana cuando la oscuridad le daba el tiempo para que se dedicara a iluminar cada mundo.  Su presencia iluminó cada rincón de la sala, haciendo brillar los bellos vitrales de aquel palacio de justicia y reflejándose en los rostros de los asistentes. Vestía un traje de rayos dorados y caminaba con paso firme, dejando tras de sí un rastro de claridad.Los abogados de ambas partes tomaron sus lugares. El de la Luz era un sabio anciano con ojos como estrellas; el de la Oscuridad, una figura encapuchada que parecía absorber el color del aire ya que estaba todo vestido de negro de pies a cabeza y tenía un tocado tan poderoso que todos sentían la necesidad de arrodillarse frente a el.  El juez celestial  revisó los documentos, ajustó su toga de neutralidad y esperó.Pasaron los minutos. Luego las horas. La Oscuridad no llegaba.Los murmullos crecían entre los asistentes: ¿Dónde estaba? ¿Se habría arrepentido? ¿Temía perder?Finalmente, el juez, con voz solemne, se levantó:—La parte demandante no se ha presentado. Por lo tanto, fallo a favor de la Luz.Hubo aplausos, destellos, y una sensación de alivio. Pero también una pregunta flotaba en el aire como humo: ¿Por qué no vino la Oscuridad?Un mensajero fue enviado a buscarla. La encontró justo fuera de la sala, sentada plácidamente en  en el umbral. No era miedo lo que la detenía, sino certeza. Sabía que si cruzaba esa puerta, si se atrevía a entrar en el dominio de la Luz, sería disipada al instante. No por violencia, sino por naturaleza misma de la luz creada por el Dios supremo. Había comprendido que ella no pertenecia a aquellos lugares donde la gente se reunia o simplemente deambulaba

In this episode I get a few thoughts off my chest regarding some current events and where I think fitness information fits into everything. Fitness is unbelievably important, and sure I am biased, but I truly believe that improving fitness at a population level will do well to make the world a better place. I got into some Q&A sent in from listeners and covered a nice range of topics:How to boost metabolismWhether walking with a weighted vest is worth itA truth about the fitness industry that most people wouldn't admitChanges in training after turning 30How much alcohol affects fitness progressHow to know if you're training hard enoughA few biohacking things that actually workAnd any other tangents I took off of answering those!Thanks for listening, I appreciate you more than you know. The best way to support the podcast is to share the episode with a friend. You can support yourself and the podcast by applying for 1:1 online coaching here. Grab my FREE Protein Cheat Sheet HERE.  Grab my FREE Muscle Building Workout HERE. Join 1000's of others in receiving the best fitness tips, tools and tactics for free via the Sunday Meal Prep newsletter. Share this episode with a friend who would enjoy or benefit from it! Comments, questions, and feedback are greatly appreciated. If you enjoy this podcast, I would be extremely grateful if you subscribed and left a short review on iTunes or rating on Spotify.  It really helps to spread the message and ultimately help more people.  Website danielyores.com Connect with me on Instagram @danielyoresConnect with me on X @danielyores Podcast Cover Art by @octopuslegss

Please Welcome Educator, Book Tok-er & BookStagrammer, Dr. Cody Vest to TYOUSK Podcast!In this episode, Dr. Cody & I Discuss: -Can the Long Walk Ever Be Taught in Schools? -Favorite King Creatures. -No Love for Rose the Hat. -Stephen King's Scariest. -Why IT is the Gift that Keeps on Giving... More from Dr. Cody Vest...Instagram & TikTok: @vestcodyPlease Give the Show Some Love and Post a 5-Star Rating on your Favorite Podcast Outlet! End Credits: (Keys of Moon) SoundcloudX: @UnderratedSKPodInsta: @UnderratedSKPodcastBlueSky:UnderratedSKPod.bsky.social Patreon: patreon.com/dansewithkimcKim C. will Return with Welcome to Derry!

De la dobândirea independenței, în 1991, niciodată această mică republică nu a atras într-o asemenea măsură atenția presei internaționale și a experților.   Nu este ceva nou pentru cetățenii acestei republici să se vadă puși în fața unei alegeri geopolitice, Est sau Vest. Aproape mereu a fost așa în cei 34 de ani de independență. Și atunci, de ce această atenție cu totul specială? Ar fi mai multe explicații. Dacă până acum, alegerea geopolitică îi privea mai degrabă pe cetățenii Republicii Moldova, de această dată, consecințele se vor resimți cu mult peste granițele țării. Și aceasta, din cauza prezenței tot mai agresive a Rusiei. O eventuală guvernare pro-rusă va aduce multă instabilitate în regiune. Ucraina va căpăta un vecin ostil, într-o zonă sensibilă, la Marea Neagră. În plus, zona de influență rusă ar ajunge chiar pe râul Prut, față în față cu România. Și la doi pași de baza aeriană Mihail Kogălniceanu, cel mai mare centru NATO din sud-estul Europei, esențială pentru Ucraina. Desigur, alegerile din Republica Moldova sunt și un test pentru politica de extindere a Uniunii Europene. Cât de susținută este aceasta în statele candidate? Rezultatul alegerilor ne va da un răspuns. Și mai este conștientizarea de către presa și analiștii din Occident a pericolului războiului hibrid. Europenii se confruntă cu acest tip de agresiune în multiple feluri. Dronele survolează statele membre ale NATO și pot perturba activitatea de pe aeroporturi, cum se întâmplă la Copengaha și Oslo. Au loc atacuri cibernetice și acte de sabotaj. În plus, europenii înțeleg tot mai clar că ingerințele în alegeri, prin campanii de dezinformare, manipularea rețelelor sociale și corupție electorală, nu se vor limita doar la Republica Moldova. Se întâmplă chiar acum în Cehia, înaintea alegerilor legislative de la sfârșitul săptămânii viitoare. Și se va putea întâmpla și în alte părți. Așa cum s-a întâmplat și în România. Și, dacă veni vorba despre România, mizele specifice sunt uriașe. Sigur, este umbra amenințătoare a Rusiei, de care am vrut să fim mereu departe. Dar mai sunt și interesele economice. Statul român a investit mult în Republica Moldova și cel puțin până acum a fost o poveste de succes, țara făcând pași mari către Europa. Dar și companiile românești s-au orientat către Republica Moldova. Sunt peste 300 de milioane de euro investite de companii din România. De altfel, România este principalul investitor străin în Republica Moldova și primul partener comercial. Toate acestea ar putea avea mult de suferit în cazul unei guvernări pro-ruse la Chișinău. Iar o asemenea pierdere n-ar cădea deloc bine, având în vedere actuala situație economică și financiară din România. Și ar mai fi ceva. Pentru prima dată, societatea românească este divizată cu privire la alegerile de duminică. Aceasta, deoarece, extrema dreaptă, cotată în sondaje chiar și cu 40%, susține fățiș partida pro-rusă în Republica Moldova.   O premieră pentru România democratică. Ascultați rubrica ”Eurocronica”, cu Ovidiu Nahoi, în fiecare zi, de luni până vineri, de la 8.45 și în reluare duminica, de la 15.00, numai la RFI România

Un studiu recent publicat de Banca Centrală Europeană (BCE) include recomandarea pentru cetățenii europeni de a avea în casă bani cash. Se precizează și suma care ar trebui păstrată în locuință și anume 100 de euro sau contravaloarea cumpărăturilor pe care le face familia într-o săptămână. Când am văzut recomandarea BCE mi-am adus aminte de gluma aceea care mai circulă și astăzi în rândul publicului. Și anume, ce face un român după ce a rămas fără bani? Răspunsul este: schimbă 100 de euro. Nu știu cum se întâmplă în Europa de Vest, dar aș putea paria că pentru mulți români a avea 100 de euro în casă este ceva de la sine înțeles. Marii fani ai cashului din România s-au grăbit să se bucure văzând titlurile presei internaționale pe tema sutei de euro. Numai că dacă citim cu atenție studiul BCE și titlurile din mass-media vom vedea că BCE se referă la un anumit context și anume cel al unei crize. Cu alte cuvinte, sfatul de a avea 100 de euro cash se referă la situația unei crize tehnologice sau energetice în care sistemele de plată moderne clachează pur și simplu și devin nefuncționale. Indiferent cum se fac plățile, ideal este ca riscul evaziunii să fie cât mai redus. Este de la sine înțeles că dacă sistemul de plată electronic nu mai funcționează, plata cash devine esențială. De asemenea, este de la sine înțeles că numerarul reprezintă o componentă a pregătirii pentru situații de criză. Lichiditățile contribuie la o reziliență sistemică amplă, se arată în studiul BCE. De altfel, Europa este în plină dezbatere referitoare la utilizarea numerarului. Sunt specialiști care pledează pentru reducerea masivă a utilizării banilor cash, dar și experți care susțin plățile electronice și văd creșterea utilizării lor. Ca de obicei, părerile sunt radical împărțite între cash și utilizarea plăților online. Studiul BCE arată că, în pandemie, deținerile în numerar au explodat ajungând la 155 miliarde de euro, comparativ cu o creștere anuală înainte de criza sanitară de 55 miliarde de euro. Studiul arată că, paradoxal, au crescut și cashul, și plățile online. ”O anvelopă de rezervă” Banii cash nu sunt văzuți ca un activ financiar care trebuie folosit neapărat în fiecare zi, ci doar ca o „anvelopă de rezervă” pentru un eventual moment în care se prăbușesc sistemele de plăți la nivel internațional. România este totuși o țară a numerarului. Și spunem acest lucru prin prisma observațiilor din teren, dar și a cifrelor statistice. În ultimii ani, progresul plăților electronice este tot mai evident. România are și o legislație care impune un prag maximal de plăți cash care se pot efectua zilnic de către companii. De cele mai multe ori, plățile online sunt privite ca un mod de luptă cu evaziunea. Fără îndoială, plățile electronice sunt esențiale pentru o economie fiscalizată. Dar, plata online nu este decât doar una dintre metodele de luptă cu evaziunea fiscală. De cealaltă parte, plățile în numerar sunt văzute ca o formă de manifestare a libertății economice și s-a ajuns chiar până la o serie de teorii conspiraționiste care vizează deținerea numerarului sau, dimpotrivă, limitarea folosirii cashului. Probabil că soluția cea mai bună este calea de mijloc care să permită atât plata în numerar, fără să o încurajeze neapărat, cât și plata electronică. De altfel, BCE a arătat de mai multe ori beneficiile și caracteristicile plăților în numerar. Cele două sisteme, plata în numerar și cea online, pot conviețui împreună. Progresul, însă, este adus de plățile electronice, ele reprezintă viitorul, indiferent de opoziția de care se lovesc. În concluzie, ar trebui ca mecanismul plăților electronice să fie privit ca atare și să fie scos din teorii ale conspirației care fac mai mult rău decât bine.

Today's guest is Erika Luca, a passionate economic equity advocate who is unafraid to speak truth to power. An immigrant from Mexico, today she is based in Oklahoma where she founded multiple efforts that empower women and others who are too often left out of the economic mainstream. Beyond that, she produces educational videos that have gone viral for the way they break down politics and motivate those on the sidelines to stay engaged and defend our democracy. We talk about what motivates her work and how we must all step up to protect our movement for justice. Erika Lucas is the Founder of StitchCrew, an organization dedicated to building a more equitable economy by supporting new majority entrepreneurs, small business owners, and women professionals. Erika is the host of the VEST Her Podcast, where she interviews experts about the hidden barriers women face as they work to build economic mobility. She is also the Founder of VEST, a peer network for women professionals and an investment fund focused on women-led companies. Tamarindo is a lighthearted show hosted by Brenda Gonzalez and Delsy Sandoval talking about politics, culture, and self-development. We're here to uplift our community through powerful conversations with changemakers, creatives, and healers. Join us as we delve into discussions on race, gender, representation, and life! You can get in touch with us at www.tamarindopodcast.com Brenda Gonzalez and Delsy Sandoval are executive producers of Tamarindo podcast with production support by Karina Riveroll of Sonoro Media. Jeff Ricards produced our theme song. If you want to support our work, please rate and review our show here. SUPPORT OUR SHOW Contribute to the show: https://www.paypal.com/paypalme/tamarindopodcast1 Follow Tamarindo on instagram @tamarindopodcast and on YouTube: https://www.youtube.com/@TamarindoPodcast-143 Tamarindo's mission is to use laughter and conversation to inform, inspire and positively impact our community. Learn more at tamarindopodcast.com

ASHP's senior education director, Cindy Von Heeringen is joined by Tyler Vest, network director of pharmacy, pharmacy supply chain at the University of Vermont Health Network, as he discusses his upcoming Midyear sessions that focus on ongoing research about the medication use process and the current state.   The information presented during the podcast reflects solely the opinions of the presenter. The information and materials are not, and are not intended as, a comprehensive source of drug information on this topic. The contents of the podcast have not been reviewed by ASHP, and should neither be interpreted as the official policies of ASHP, nor an endorsement of any product(s), nor should they be considered as a substitute for the professional judgment of the pharmacist or physician.

In this episode, Hannah (@made2movept) dives into the rucking trend — walking with a weighted vest — and whether it really helps with bone density, muscle mass, and long-term health. She breaks down the science behind the hype, what studies actually show, and why strength and jump training still matter most for building stronger bones. You'll learn how (and when) weighted vests can be helpful, what they can't replace, and how to cut through social media myths to make the best call for your own health.PMID: 9467434PMID: 18602880PMID: 24149921PMID: 10995045Want real, no-BS advice on health, training, and living pain-free? Join my weekly newsletter for stories, insights, and tips that help you stay active for life: Join here.Welcome to the Healthy Charleston Podcast, your guide to taking charge of your health and wellness journey. In a world full of confusing and overwhelming health advice, we cut through the noise with real, evidence-based conversations. Each week, I connect with athletes, coaches, healthcare pros, and community leaders who share what health truly means to them — and how you can stay active and strong for life.@healthycharleston | @made2moveptDon't spend another day in pain! Request an appointment at https://www.made2movept.com/contact

Millions of women in perimenopause and menopause worry about osteoporosis, bone loss, and hip fractures. Weighted vests are suddenly everywhere on TikTok, Instagram, and even in doctor's offices. But do they really build bone density for women over 40 and 50, or is resistance training still the most effective way to prevent osteoporosis? In this episode, Chalene Johnson breaks down the science, the myths, and the surprising benefits of weighted vests for women navigating perimenopause and menopause. You'll hear the real research, what actually helps protect your bones, and how to safely use a vest for balance, posture, and strength as you age. With insights from orthopedic surgeon and menopause expert Dr. Vonda Wright, this episode separates fact from hype so you can age powerfully and protect your health. Watch this episode on YouTube this Sunday 

Kennedy's Impossible Parody - The Weighted Vest full 262 Fri, 19 Sep 2025 12:37:47 +0000 ogbe5XtTZ5rL0Jk2ZMb3rOWA2THeN423 latest,wwbx,society & culture Karson & Kennedy latest,wwbx,society & culture Kennedy's Impossible Parody - The Weighted Vest Karson & Kennedy are honest and open about the most intimate details of their personal lives. The show is fast paced and will have you laughing until it hurts one minute and then wiping tears away from your eyes the next. Some of K&K’s most popular features are Can’t Beat Kennedy, What Did Barrett Say, and The Dirty on the 30! 2024 © 2021 Audacy, Inc. Society & Culture False https://player.amperwavepodcasting.com?feed-l

Today, I am hosting Brent Yates, a serial entrepreneur, best-selling author, and founder of Aion, the sleek weighted vest transforming wellness worldwide. His story isn't just about business. It's about resilience, faith, and reinventing yourself at any age.   Brent went from leading in the natural gas industry and gracing the pages of Business Week and Fast Company to facing personal and physical setbacks that forced him to rebuild from the ground up. He chronicled this transformation in his acclaimed book The Gravity of UP. Brent's story proves that your mess can become your message and that reinvention is always possible, even in your later years. If you've ever doubted your timing or your ability to bounce back, his story is the reminder you need to reset your mind for success. "You waste more time trying to figure out things you know nothing about… Somebody's experienced what you're going through today.  Find people who have done it because otherwise you are gonna get stuck and it's gonna cost you." ~Brent Yates In This Episode: -  How and why Brent invented the Aion weighted vest -  Transforming a personal solution into a business idea -  What inspired Brent's book, The Gravity of UP -  Daily practices for success and transformation -  Resetting and maintaining energy in your 60s - The technology and design that make Aion vests unique -  Building a global brand & overcoming impostor syndrome -  Advice for aspiring entrepreneurs -  Brent's parting shot and how to connect with him Resources Mentioned In The Episode: Brent's Book, The Gravity of UP: https://www.aiongear.com/products/gravity-of-up   Shop Aion's weighted vests: https://www.aiongear.com/  Eckhart Tolle's book, A New Earth: Awakening to Your Life's Purpose: https://a.co/d/cIYRG10  About Brent Yates: Brent Yates is a serial entrepreneur and Wall Street Journal best-selling author with over 30 years of business experience. His personal journey from brokenness to holistic health led him to chronicle his story in his book The Gravity of UP. Brent's healing journey also sparked the innovation of Aion, a premium weighted vest created to elevate movement, strengthen posture, and promote wellness. Alongside his entrepreneurial ventures, Brent is involved in non-profits and committed to fostering meaningful impact without bureaucracy. Website: https://www.aiongear.com/  Instagram: https://www.instagram.com/brentyatesofficial/   LinkedIn: https://www.linkedin.com/in/brent-yates  Where to find me: IG: https://www.instagram.com/jen_gottlieb/    TikTok: https://www.tiktok.com/@jen_gottlieb     Facebook: https://www.facebook.com/Jenleahgottlieb    Website: https://jengottlieb.com/    My business: https://www.superconnectormedia.com/     YouTube: https://www.youtube.com/@jen_gottlieb

Lana Vs The Weighted Vest full 419 Thu, 18 Sep 2025 12:46:10 +0000 PKozSzUO9g90lvuq8ahmpL07hwMG2PlY latest,wwbx,society & culture Karson & Kennedy latest,wwbx,society & culture Lana Vs The Weighted Vest Karson & Kennedy are honest and open about the most intimate details of their personal lives. The show is fast paced and will have you laughing until it hurts one minute and then wiping tears away from your eyes the next. Some of K&K’s most popular features are Can’t Beat Kennedy, What Did Barrett Say, and The Dirty on the 30! 2024 © 2021 Audacy, Inc. Society & Culture False https://player.amperwavepodcasting.com?feed-link=https%3A%2F%2Frss.

OVERVIEWAlmost anywhere you go these days, you're likely to see someone walking, running, or climbing stairs wearing a weighted vest. Popularized by Crossfit boxes, mixed martial arts gyms, and boot camp-style exercise programs, “rucking” is a new name for the old concept of an “overloaded training intervention”. The question we get is whether training with a weighted vest (off the bike) will improve cycling performance. CTS Pro Coach Sarah Scozzaro, one of our top strength and conditioning coaches, breaks down the details of whether weighted training works for cyclists. Topics Covered In This Episode:Weighted Vests: Are they effective for:Increase Core Strength?Improve Strength-Endurance?Increase Bone Density?Improve VO2 Max?Increase Motivation?History of overloaded training interventions in cyclingSeparating strength from endurance trainingHow to use weighted vests safely How much weight to carryResourcesShould Runners Train with Weighted Vests? - CTSGravel Racing Gear Guide for Cyclists - CTSWeighted Vests Are Now A Fitness Trend. Here's What You Need To KnowHydration Backpack Market Size | Industry Report, 2030Guest Bio:Sarah Scozzaro is a CTS Pro Coach who specializes in strength training and  ultrarunning. A coach within the CTS High Performance Program, she is on the performance teams for Western States Champions Katie Schide and Abby Hall.  Sarah has her Masters's degree in Exercise Science with a concentration in performance enhancement and injury prevention. She has a long list of qualifications and certifications after her name, including being a National Strength and Conditioning Association certified personal trainer (NSCA-CPT) and National Academy of Sports Medicine performance enhancement specialist (NASM-PES).Guest Links:Coach Bio: https://trainright.com/coaches/sarah-scozzaro/IG: https://www.instagram.com/drtyrunner/Listen to the episode on Apple Podcasts, Spotify, Stitcher, Google Podcasts, or on your favorite podcast platformGET FREE TRAINING CONTENTJoin our weekly newsletterCONNECT WITH CTSWebsite: trainright.comInstagram: @cts_trainrightTwitter: @trainrightFacebook: @CTSAthlete

In this episode, we dive into the surprising connection between strength training and gut health, the hot debate around weighted vests, and whether protein timing really matters. We'll also tackle a popular listener questions: how do you actually know if your gut is healed? Get ready for a mix of science, practical tips, and straight talk to help you train smarter and feel stronger inside and out. Timestamps:[1:56] welcome[7:50] Discussion: A new study says 8 weeks of resistance training improves mood state and intestinal permeability[20:28] Weighted vests: do they work, and if so, which brands do you recommend?[33:12] Do women really need to worry about meal timing or is total protein for the day all that matters?[40:37] How does someone know if their gut is healed?Episode Links:PubMed Article: 8 weeks of resistance exercise improves mood state and intestinal permeability in healthy adults PubMed Article: Long-term exercise using weighted vests prevents hip bone loss in postmenopausal womenArticle: Protein Consumption and the Elderly: What is the Optimal Level of Intake?Sponsors:Go to wellminerals.us/creatine and use code WELLFED to get 10% off your order.Go to drinklmnt.com/wellfed and use code WELLFED to get a free 8-pack with any drink mix purchase!airdoctor

Skjebnemøte for Erna Solberg i morgon, mistar me all makt her i Vest, og politisk attentat i USA.

Lose Fat With My Clubhouse App HERE https://theclubhouse1.lpages.co/erfclubhouse-app-info/ On this episode, I do a Q&A answering your questions straight from my Instagram stories. I talk about whether walking with a weighted vest is worth it, the smartest way to recover after a back injury, and how to track food without overcomplicating it. I also dive into why understanding your body matters, how to stay accountable, and what really happens to your metabolism when your diet changes Lose Fat With Personalized 1:1 Coaching HERE https://theclubhouse1.lpages.co/1to1-coaching Free Calorie Calculator https://ericrobertsfitness.com/free-calorie-calculator/ 20% Off Legion Athletic Supplements Code “ERIC” HERE https://legionathletics.rfrl.co/qj2dy Youtube Channel https://www.youtube.com/@ericrobertsfitness

Missing new episodes of Get-Fit Guy? Have no fear - we are bringing you the best episodes, from all of our previous hosts, to give you the most resounding advice from our experts over the years. You'll hear from Dr. Jonathan Su, Brock Armstrong, and Coach Kevin Don. Today, hear one of our best episodes from Brock Armstrong.Have you tried a weighted vest? If you haven't, this might the time to try adding one to your workout for an additional fitness building edge. Get-Fit Guy explains how.Find a full transcript here.Find Get-Fit Guy on Facebook and Twitter, or subscribe to the newsletter for more fitness tips.Get-Fit Guy is a part of Quick and Dirty Tips.Links:https://www.quickanddirtytips.comhttps://www.quickanddirtytips.com/get-fit-guy-newsletterhttps://www.facebook.com/GetFitGuyhttps://twitter.com/GetFitGuyhttps://sixminutefitness.com/

See omnystudio.com/listener for privacy information.

You've probably seen the trend—women walking around in weighted vests, swearing it's their secret weapon for fat loss and fitness. But is it actually helping… or quietly making things worse? In this episode, I'm breaking down why I personally skip the vest—and why it might not be the best move for your perimenopausal body either. If you're working hard to balance hormones, lower stress, and feel good in your body again, this is a must-listen.

Feeling overwhelmed by all the midlife fitness trends bombarding your social feeds? You're not alone. From weighted vests to protein obsession to step-counting fixations, the wellness world has become a maze of contradictory advice that leaves many women feeling like they're failing—even when they're doing their best.In this revealing episode, I dive deep into the most pervasive fitness trends dominating the menopause conversation and separate evidence-based practices from marketing hype. Did you know the sacred 10,000 steps rule originated from a 1960s Japanese pedometer advertisement—not scientific research? Or that studies on weighted vests for bone health are surprisingly underwhelming compared to the mountain of evidence supporting simple strength training?As a culinary nutritionist specializing in women's health, I break down exactly what your changing body truly needs: progressive strength training to combat accelerated muscle and bone loss, strategic protein intake (achievable without expensive supplements), and consistent, enjoyable movement without obsessing over arbitrary metrics. You'll discover how to hit 100 grams of protein using only whole foods, why lifting weights matters more than step counts for long-term independence, and which trendy practices you can confidently leave behind.The truth is refreshingly simple: midlife wellness isn't about doing everything—it's about doing the things that actually work. Stop chasing every trending protocol and start focusing on the foundational habits that deliver real results for your health, strength, and longevity. Share this episode with a friend who's drowning in wellness advice and remember: you don't need to do it all to thrive in midlife.I would love to hear from you! What did you think of the episode? Share it with me :) Support the showLet's Be FriendsHang out with Heather on IG @greenpalettekitchen or on FB HERE.Let's Talk!Whether you are looking for 1-1 nutrition coaching or kitchen coaching let's have a chat. Click HERE to reach out to Heather.Did You Love This Episode? "I love Heather and the Real Food Stories Podcast!" If this is you, please do not hesitate to leave a five-star review on Apple or wherever you listen to podcasts.

For their 200th episode, Jake and Gareth take calls in-studio and unbox a gift sent by the caller from Ep 174 "A Thing For Dinosaurs." Then, they salvage a moonlit wedding photo and plan a new life for Gareth's terrible plaid vest. Plus, surprise follow-ups from Ep 197 "Don't Cry for Me, Season Tickets" and Ep 112 "Put Some Jeans on that Baby Jesus."See caller images here: http://www.heretohelppod.com/post/200th-episode-specialWant to call in? Email your question to helpfulpod@gmail.com.PATREON: https://patreon.com/heretohelppodMERCH: heretohelppod.comINSTAGRAM: @HereToHelpPodIf you're enjoying the show, make sure to rate We're Here to Help 5-Stars on Apple Podcasts.Advertise on We're Here to Help via Gumball.fmSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In This Hour:-- Paul Markel, from Student Of The Gun, explode the myth of the Shoot Me First Vest type of cover garment.-- Four things to have for personal protection every time you leave home.--  The Gun Talk Scout Rifle continues to surprise buyers with its looks and accuracy.  Available at guntalkscout.com. Gun Talk 08.24.25 Hour 3Become a supporter of this podcast: https://www.spreaker.com/podcast/gun-talk--6185159/support.

Weighted vests can be useful, but let's be honest about the benefits.Topics discussed:(00:06) - Who's excited about a weighted vest? (00:48) - Why is Lindsay not jumping on getting a weighted vest? (02:46) - Does it help with bone density? (03:28) - Does it build more muscle and strength? (05:54) - Does it burn more body fat? (13:56) - The nuance of the studies being used to justify weighted vests (21:08) - I love food! (26:43) - I appreciate your words of encouragement Walking alone is not a strong enough stimulus for muscle or bone.Inactive postmenopausal women who walked with or without a vest for 18 months had no significant bone density changes (PMID: 22338922). Full breakdown belowEven wearing a vest for 8 hours/day (PMID: 40540267) or 10 hours/day (PMID: 30095153) showed minimal skeletal benefit.The muscle and bone gains you see in the research?They're mostly in untrained individuals doing loaded exercises like squats, lunges, and jumps with the vest (PMID: 10995045, 9467434, 17724395).In these cases, the vest is just a hands-free way to add weight — not magic. As people progress, they'll need more load than a vest alone can provide.And for fat loss?Calorie burn from vest-walking is only ~10–15% higher than without it. That's 30–50 kcal for an hour walk — about a single untracked bite of food.Long-term fat loss comes from managing intake, not chasing small increases in burn. Your diet is the real game changer.If you lift weights regularly, walk, and are mindful about food, a weighted vest probably isn't a “must-have” for you. it's most effective in the right context.Study Overview: Walking With vs. Without a Weighted Vest  PMID: 22338922Authors & Journal: Tantiwiboonchai N., Kritpet T., Yuktanandana P. in Journal of the Medical Association of Thailand, 2011 (EurekaMag).Participants: 48 working women aged 30–60, randomly split into two groups: one walking with a weighted vest, the other walking without, on a treadmill 3×/week for 12 weeks (EurekaMag).Protocol: Vest group started walking without it for the first 2 weeks, then began adding 2% of body weight weekly until reaching 8% by week 6 (EurekaMag).FindingsBone Markers: Both groups showed large decreases in bone resorption (β-CrossLaps)—~19.1% for the vest group vs. ~21.8% for the non-vest group—no significant difference between them (EurekaMag).Physical Fitness: Improvements in leg and arm strength, endurance, and VO₂ max were seen in both groups—again, no significant differences between vest vs. non-vest walkers (EurekaMag).Bottom Line—What This MeansWalking, with or without a weighted vest, helped with fitness and reduced bone resorption—but wearing the vest didn't offer any extra benefit. So if you're thinking the vest is a cheat code for stronger bones or muscles… this study says otherwise.

In this episode of Perspecktives, Big Bank sits down with special guest Dominique—better known as Baby D—for a candid and powerful conversation about self-discovery, motherhood, and her unique path as a bodyguard. Dominique opens up about the challenges of identity, the lessons learned through nurturing relationships, and the transformative power of forgiveness. She reflects on her evolution from providing security to serving as a mentor, highlighting the importance of empathy, instinct, and authenticity in both work and life. The discussion also explores societal issues, the influence of social media, and Dominique’s vision for the future, offering an inspiring look at resilience, growth, and purpose. Tune in and join the conversation in the socials below. Rate, subscribe, comment and share. Follow Perspektives With Bank on IG @perspektiveswithbank @pistolsndlipgloss See omnystudio.com/listener for privacy information.

Defined outcome ETFs have exploded in popularity, offering investors a way to combine downside protection with upside participation. In this episode of Excess Returns, we sit down with Jeff Chang of Vest Financial to break down the mechanics of buffer ETFs, how they fit into portfolios, the critiques they face, and where this space is headed. Jeff shares the origin story of Vest, the innovations that made these strategies accessible and how Buffer ETFs work behind the scenes.The origin of Vest and the impact of the Lehman collapse on product designHow buffer ETFs work and why they focus on the “first 10–15%” of drawdownsThe behavioral finance angle: making hedging simple and accessibleWhy 2022 highlighted the weaknesses of traditional 60/40 portfoliosThe mechanics of buffer ETFs: options structures and resetsPopular buffer levels and how investors are using themAddressing critiques: costs, beta instability, and comparisons to cash or commoditiesThe scalability of these strategies and potential market impactBehavioral vs. quantitative advantages of defined outcome fundsFuture developments, including applications to crypto and higher-volatility assetsJeff's lessons on investing, risk management, and staying invested00:00 – Introduction and the growth of defined outcome strategies02:00 – The genesis of Vest Financial after Lehman's collapse09:00 – Explaining buffer ETFs in simple terms14:00 – Who uses these strategies and why 2022 was a turning point18:00 – Mechanics of resets and protection at market highs22:00 – Range of buffers, caps, and investor demand27:00 – The options structures behind buffer ETFs30:00 – Liquidity, scalability, and market impact considerations34:00 – How investors are using buffers in portfolios38:00 – Tax efficiency inside the ETF wrapper39:00 – Addressing critiques: cash, commodities, and costs47:00 – Are these strategies more behavioral or quantitative?48:30 – The future of buffer strategies and expansion into crypto53:00 – Jeff's contrarian investing belief54:00 – The one lesson Jeff would teach every investor

Weighted vests are everywhere from TikTok to walking trails and sidewalks in your neighbourhood. Advocates say they burn calories, improve cardiovascular fitness, and even protect bone density. But are they really worth the hype? We hear from fitness trainer Kalli Youngstrom on why she loves them, and muscle physiology researcher Lauren Colenso-Semple on what the evidence says.

I break down some of the latest gimmicks and trends in my Hack or Wack? series. This week we delve into something you have probably seen all over the place. Weighted vests.http://www.FitAndPositive.com

Title:  How Survive When Real Estate Deals Fail with Ruben Kanya Summary: In this conversation, Seth Bradley, a securities attorney and real estate investor, discusses the complexities of capital raising, the importance of experimentation in finding one's niche, and the critical role of networking and trust in the investment landscape. He shares insights from his journey in real estate and tech, emphasizing the need for grit and public speaking skills to succeed in capital raising. The discussion also highlights the challenges of the first capital raise and the lessons learned along the way. In this conversation, the speakers delve into the multifaceted benefits of hosting a podcast, emphasizing the importance of listening and connection. They explore the intricacies of capital raising in real estate, discussing the significance of grit, networking, and leveraging other people's money. The dialogue also covers compliance with securities laws, compensation structures in syndication, and the emerging trend of fund to fund structures. Tribevest is introduced as a solution for simplifying fund management and ensuring compliance in capital raising efforts. Links to listen and subscribe: https://podcasts.apple.com/ph/podcast/raising-capital-the-right-way-compliance-funds-and/id1341895972?i=1000688593916 Links to watch and subscribe: https://www.youtube.com/watch?v=UyF9Z72m2R0 Bullet Point Highlights: You need a license to raise capital legally. Experimenting with different models helps identify what works for you. Building authority and trust is essential in capital raising. Networking with high net worth individuals is crucial. The first capital raise is often the hardest. Grit and determination are key to success in entrepreneurship. Public speaking skills can enhance your ability to communicate effectively. Learning from clients can provide valuable insights for your own journey. You can leverage your existing skills to add value in capital raises. Building a strong network can facilitate easier capital raising. Having a podcast enhances listening skills and fosters connections. Capital raising requires grit, a strong network, and resources. Leveraging other people's money accelerates business growth. Compliance with securities laws is crucial in capital raising. Compensation structures in syndication vary based on deal size and type. Fund to fund structures are becoming more prevalent in real estate. Effective communication is key to successful networking. Tribevest simplifies the process of raising capital compliantly. Understanding the legalities of capital raising is essential for success. Building a community can expedite personal and professional growth. Transcript: Ruben Kanya (00:00.142) whole idea here is you're actually not allowed to raise capital without a license. So just like being a doctor or a dentist or an attorney, you have to have a license to be able to raise capital and it's called a broker dealer or potentially an RIA, registered investment advisor. So if you're not one of those people, if you don't have a license, you need to have an exemption from having that license. if it's your, this is speaking in generalities, but if it's your own deal, if it's your own fund,   If it's your own syndication, if you're the one buying the property, that's an exemption. You're exempted. You can raise capital for your own deal and that's okay. And that's kind of the co-GP concept that we talk about sometimes. I actually don't like to say co-GP because to me it's a fallacy. There's no such thing as a co-GP. You're either a GP and an active partner.   Who's this? you're an entrepreneur? you're a real estate investor? you're trying to learn from those who did it? Well, come into the lab then. Put your white coat on, gloves on, notepad, and let's go, Joe.   Experiment nation this episode was a really fun one with Seth Bradley who is a fun manager Invest in entrepreneurs. He's an attorney he as a startup founders of software as a service and Really what I loved about What he's built is   Everything that he's built, it's vertically integrated, which I love, but he really embodies the principles of experimenting. Right. And what I mean by that is he has tried multiple models in real estate, which allowed him to get exposure, which I think is really important when I talk about having a well-rounded experiment in your lab, LabAK being your life, so that you can at least identify   (Seth Bradley) (02:10.529) what you like, what you don't like, what gives you return on energy, what drains you. I think those are all important things for us to then be able to niche down. A lot of times we talk about niching down, but we haven't even gotten a taste of what's on the menu to even understand what it is that we want to niche down in. And so part of what I created here at Experimentation in the lab is to bring you   folks who can present the menu of the different options that there is in not only real estate, but in business and even career to then give you that exposure so that you can then get a taste even from this show and then implement it yourself and maybe try one or two or three experiments or four or five. How many it takes for you to feel like this is the thing. This is the thing that I'm going to hold on to and grasp to and go all in on. Right. And that's what we did.   And keep in mind that life has seasons. A lot of us can do something and it could be four seasons. Your season could be five years, 10 years, 15, but I do believe in the compound effect. his journey, Seth's journey, he was able to get his first duplex, then quads, then small multifamilies and big multifamily units. And the next thing you know, he's doing $120 million a deal just in 2022 alone, right? In one year.   But with that, one thing I wanted to highlight, so one thing is the experiment, different exposures, AKA building blocks towards the very thing that he's doing now. But the other thing is being able to get a free, or I should say, get a paid internship. And that's through servicing your clients, learning from them, and then taking a page from their book. He was an attorney that was putting down together his SEC deals of syndications,   capital raising, and then he learned from his clients because he had full transparency. Sometimes, often we're in a position where the proof of concept is right in front of us, but we don't grab it by the horns. We just see it for what it is, just clocking and clocking out. No matter what job you have, there's an opportunity for you to actually take lessons, systems, SOPs, structure, any skillset to take it to the next level for your own endeavors.   (Seth Bradley) (04:38.252) And what I mean by that is I was a realtor and I was a realtor for the investor. understood how investors, underwrote their deals. And that was my win for me to hone my craft in real estate, underwriting deals, pulling comps, walking properties, understanding value at all. That was when I was the realtor for the investor. You can still look it up on bigger pockets. You can still see my page. That's what I was doing. I was helping investors invest until I then became an investor myself.   And in this case, he was an ICC attorney providing these, you know, going through the process of doing syndications, fund to fund, et cetera. And then he learned and he said, not only do I have a practice that does it, but I can also be on the other side of that transaction. So don't you ever forget the importance of being on the other side of the transaction in whatever service that you offer, even if it's just call it.   You work in hospitality at a restaurant to make ends meet. There's a system, there's a SOP, there's a checklist. There's something in there that is a proof of concept that you can then take and implement somewhere in your business. And the universe will tell you its secrets if you listen. The clues are all around us. Last but not least, I love our conversation around being an authority, building a brand.   Essentially, that's what capital raising is and he talked about three pillars. I don't want to talk about he said money Right is one heart of the center trust in your network, right? Your network is you gotta have a big network He talks about having a platform like this where I think everybody should have a podcast because you get the interview you get to learn the skills of communication listening, etc but most importantly you foster relationship while on the air and then   It builds trust to whoever's listening. I'm sure that if you're listening right now and you and I wanted to go into a deal together, there's some form of trust. If this is not your, your first episode. So there's that, right? We talked about having a meetup, restarting our meetups. That's key. Connecting people, they trust in you. Being an authoritative figure, trust. They can't flow you if they don't know you. So stop being cute and stop hiding and put yourself out there. Right? Money. Money follows all of the above network and trust.   (Seth Bradley) (07:00.408) people who have money in your network will make it easier than those who are in your network who are broke. So surround yourself with people who have money, not just because they have money, but of course it can help you tremendously if you're trying to raise capital. And there's something that goes about saying with people who have money, it's not that they're better or anything, but there is a level of opulence and abundance.   And I think there should be a good balance. But certainly if you're trying to raise money with people who don't have money and you're in a circle, people don't know how many doesn't mean to say that you can't uplift them when you have an opportunity, but it's going to be hard to raise capital from people who don't have capital. Right. So that's one thing to keep in mind. Money trust network and being an authority. You can build an authority from home in the lab, in a studio, in person.   And you don't always have to be an expert in something else. Sometimes you can actually have authority within your own circle. If you're a dentist and you're trying to raise capital with other dentists, they trust you. You have authority maybe in your current marketplace, you're a manager of some kind or you're a lead or you're just someone that people really trust. You have that authority. You have trust already with like-minded people in your circle. So this was a great one. He brought a lot of core values home. And that's what I love about   the show. It's every time you listen or anytime you interview someone who's had done some amazing leaps and experiments in their own lab, there's always some consistent clues that kind of bring to the surface and maybe it just, I'm aware of them, but if not, my goal is to extract that and make them aware for you. So I trust that you're going to get a lot from this episode without further ado, Seth Bradley in the lab, y'all.   Experimentation, what's going on? Your host Ruben here. Today I have the pleasure of connecting with a gentleman that we connected with, had some mutual connections. And I was like, I didn't want to let the serendipity go to waste because I saw there was a mutual beneficial component to the lab, as I always say. And I always think you're as good as your tools, you're as good as your resources. And so I'm really happy to have the gentleman here step into the lab with us to give us insight. And I also love the   (Seth Bradley) (09:21.39) I'll call it a vertical integration I think and maybe Seth will keep me honest here, but without further ado I want to welcome Seth Bradley. How's it my man? Welcome to the lab brother   Going great, man. Ruben, really appreciate you having me on. Thanks for having me in the lab.   Absolutely, man. I should so listen if I'm curious so Seth because you know, we we start to talk a little bit and I was a car We're getting to the weeds of things. I want to make sure I hit this record button, but I'm just a curious guy and I'm so curious that if I'm at a real estate conference and you and I sit next to each other and I say hey I'm Ruben Seth. Nice to meet you. You know, what do you do for a living? What do you lead with because you have a very interesting background? So I want to we're gonna reverse engineer, but I'm so curious as to   at the time that we're recording this, what do you lead with if you don't know what my interests are, you don't know where I'm coming from, I could be an investor, I could be interested in putting my money to work, what do you lead with? I'm just so curious.   I love that question, man, because sometimes I have a hard time answering it. It's an easy question to answer for most people, but for me, I have to think about it for a second. But typically I'll lead with I'm a securities attorney, specifically a real estate securities attorney. So if you're raising capital for real estate from passive investors, I'm your guy. can help you put together your fund or your syndication compliantly and secondarily, or, you know, one B I'll call it a tech founder. So involved in a few tech startups as well.   (Seth Bradley) (10:48.238) That's awesome. Then that opens up the window because I see her tech founder and then I securities attorney. Is that that accurate?   Yep, nailed it.   securities attorney. would you do you happen to do you still do I mean, of course, you've been involved in raising capital yourself, which is what I want to lead with next. But are you actively investing? And if you are, what is the model? Is it more investing in the startup? Or is it more investing in actual capitals? I should say social capital relationships, or even you know what, maybe it's some form of real estate, what is your current I guess, investing   season for lack of better words.   Yeah, it's all across the board, man. mean, everything that you mentioned, I mean, just quickly, I started in real estate in 2013. House hacked into a duplex did kind of the bigger pockets podcast. Listen to that. Red Rich Dad, Poor Dad, you know, the typical journey you take and house hacked into a duplex and started buying bigger and bigger properties got to the point where, you know, I wanted to get into syndications and funds and start raising capital. So I started actually investing passively into real estate first and I got my feet wet.   Ruben Kanya (12:01.55) figured out what that investor journey looked like. And then I started raising capital myself from my own syndications where potentially I could be just a capital partner or also an operator. So I raised a good amount of capital from 2019 to 2023, I would say, before the interest rates started to spike. And then we slowed down a bit, but we still own a good amount of that real estate and just put it in perspective. We bought about $120 million with the real estate in 2022 alone. And now I'm kind of   involved with a handful of tech startups where I'm also in that same capacity where I'm raising capital or helping the CEO raise capital for seed rounds for these startups.   Okay, very interesting. So I'm glad let's go to the very beginning because you talked about bigger pockets with shout out to bigger pockets, right? Because that's or did you say bigger pockets? I did hear you say that. Okay, cool. had a mutual kind of, know, I was planning my seeds. I think that they did an amazing job, of course, like minded investors together. 2013 get a duplex. I'm sure one thing I'm curious about and you know, someone else might be listening is, you know, what   point now every everyone's situation is different with that said, but at what point did you start to think, okay, it's time to bring in some outside capital and, I'm going to lead with you. It seems that you strike me as a guy who does things strategically. enlighten me a little bit as to get the duplex. Was there another lever that was pulled to get the next property before you start to raise capital? Or is that right away, right into, okay, now it's time to raise capital. Cause   duplex going to take me so far. Tell me about that journey.   Ruben Kanya (13:43.732) No, I mean, that journey was, you know, a lot of different types of things. mean, I've wholesaled, I've fixed and flipped single family properties. We were doing that in Cleveland for a while. Then we kind of moved on to multifamily, you know, smaller multifamilies up to four units, which is still residential, but then up to, you know, like 16 units, those sorts of things. Then we started getting to where, you know, capital starts getting constrained, your own capital, or if you're doing like a JV, starts getting constrained. But I was fortunate enough that my legal practice, which also started in 2013,   was highly related to what I was doing. So as a real estate attorney, my real estate clients were raising capital for their real estate deals. So then I got into securities law. So I saw how they were raising capital. Then I started helping them raise capital from the legal side. And then I started raising, and then I realized that, hey, if we want to go bigger, I've got to be more like my clients who are buying, you know, 50, $100 million properties. How do we do that? Well, like they do it. They need to raise capital from either   passive investors or from, larger investors like family offices and places like that. So I knew that that was the pathway. So I was fortunate enough to kind of have that perspective shown to me by my clients and they kind of showed me the blueprint. Hey, this is how you need to do it. Now, a lot of other attorneys see that same blueprint and they don't really have that entrepreneurial mindset. So they're kind of just like that service oriented, Hey, let's do what I'm doing. And I'm just going to help. But I have an entrepreneurial mindset. I I'm like,   I want to do that. I want to buy that property. I want to run that business. I want to scale it. like anything else, though, I still had a little bit of reservation, I would say. So I decided to invest passively first just to get my feet wet, just to see what that investor experience was like. And then once I did that a few times, I really got into the active side and dove right in.   Oh man, I love so many elements of that. Let's unpack the experiment phase, right? Because that's what I truly believe in. I'm curious to what your thoughts are on this, right? Before I even preface by saying this, I think, and this is just a thought, could be wrong. I'm experimenting life as it is. But when you ask someone, hey, what do you want to do for a living? Right? It's like, well, I don't know. I haven't been exposed to enough.   (Seth Bradley) (16:03.116) Right. But then when you start experimenting with a lot of different things, then you can niche down because you've been exposed to like this that I don't like, et cetera. And there's a second leg to that, but I want to touch on that for a second because you said you did wholesale fixing flips, then you need small multifamily. What do you think you were able to gain from that? My personally, when I see that, I see, well, you were able you were able to get insight, but   Again, maybe you see things differently. Maybe it's like you needed to do those things and you thought it was true. And then you were led down one path and led to another. What do you take from that? Were you experimenting or was it more or less of the natural progression of events and what you thought was going to be your end all be all ended up progressing into a new ideal. Tell me about that experience.   Yeah, I mean, I think it was an experiment. It was me trying. I knew I wanted to be in real estate. I love real estate. I've always been drawn to it. It's just been an interesting thing for me and interesting subject. I remember when I was in undergrad and I couldn't afford to buy any kind of real estate or didn't have a job at all. And I was trying to figure out, well, man, how can I buy like these townhouses that I'm living in and rent those out? Like, I remember just being interested from the get go. So I knew I wanted to be in it, but it was certainly an experiment to see.   how to break into the market, how to scale a business. Because once you got into a duplex and your house hacked and bought a few other single family properties, it was like, okay, well, we can continue to do this, but I'm always looking again to scale. And to do that, a lot of times you do need to bring in other people's money to be able to fund that scale. But not always. mean, I think it would be a better pathway, honestly, if you can scale without other people's money, because then you can own 100 % of it. But a lot more difficult to do. So if you want to...   you want to grow with scale fast, typically it's with other people's money. And again, luckily I was already in a profession that gave me that experience to be able to see that pathway and be able to execute on   (Seth Bradley) (18:02.35) Now tell me that's a great insight or at least a transition point there, Seth, because we, know, in our professions, we spend a lot of time, but not a lot of folks spend the time to have the lens of an entrepreneur to say, hey, maybe I can actually take a page from their book. Right. Because I think it's interesting that it's we all are entrepreneurs. Right. So we go into business ourselves to run away from maybe possibly corporate. Some people.   And then we build our own companies. We install systems, we invest in resources. And then it's like, we turn into the thing that we were maybe running away from, but there's a lesson that we get to build it our way and have maybe learned lessons from these big corporations. In your end, it reminds me a little bit of me because I again, certainly not an attorney by any means. And I won't compare being a realtor to an attorney, but you are servicing clients and you get to at least,   at least get nuggets from their journey and then say, Hey, why don't, why don't I take a page from their book? Can you talk to us about that? Because I think honestly, it's an unkept almost secret and not even talked about enough where it's like, Hey, you're taking this opportunity right now to get to understand the playbook, see how they've done it, learn from their mistakes, right? Right. Through service and while getting paid. And then you're like, okay, now I'm going to do it for me. So   Do you see it that way as well? was it kind of, know, or did you strategically go into it thinking that you do that? Or it was kind of like, you know what? This is kind of cool. Let me try it myself.   Yeah, I mean, and Ruben, hats off to you, man, because a lot of realtors and brokers, they're around real estate every single day. That is literally their business. They have access to deals before other people. They get to see things that other people don't get to see. They get to see the transactions. They get to see how they change hands. And as you know, most of them don't invest in real estate. like, you even own your own house? Do you own any investment properties in...   Ruben Kanya (20:11.918) 90 % of them don't, right? Unless it's, well, maybe their own house, but that's probably it. They don't invest. And it's crazy to think about that when they're around that all the time. And it's the same thing with attorneys, right? Like, know, they're, whether there's somebody like me, there's real estate or securities, and they have clients that are, that are buying large properties and raising capital, or it's, you know, some other practice like and A where they're combining companies and building companies and things like that.   I think that there's a certain entrepreneurial DNA that's in some of us and it's not in others. And that's okay. Like some people thrive in an office atmosphere or thrive in a W-2 type of atmosphere. And a lot of times I don't even like to disrupt that. Like people, you know, are comfortable there. They like the steady paycheck and that's okay. And I think the vast majority of people do want that and they do like that. They like the predictability of it. But some of us out there, like me and you, I believe are, you know, we just,   We're not a fit for that. Like we need to build. I think that's the key is, is the build, right? Cause you were talking about, you know, we start putting all the systems and the processes and the things into place to ultimately end up in the, the same machine that we didn't want to work for. But I don't think that's the piece that's important. The piece is important is that that climb the build, we want to build like we were builders. love to build.   Yeah. Have you ever had a conversation, with maybe your associates on? I don't know if this is a hypocritical question, because I don't know if I could answer this. But I'm curious, have you had a conversation with another attorney? Like, hey, you see this all the time. Have ever thought of doing it yourself? What's the mindset behind? Have you had that conversation? And have you had around those? Yeah, just curious.   Yeah, I definitely, I definitely have. think, you know, at least specifically with the attorney industry or with that profession, we are, we're trained to look at risk. We're trained to evaluate liability. We are trained to be conservative in nature. and that is totally different than when you're an entrepreneur and you're out there building a business and you're, don't know what tomorrow is going to bring. And there's going to be a problem that pops up today that you didn't expect.   Ruben Kanya (22:30.01) And you don't know if you're going to be able to pay payroll and all these different things that come up as an entrepreneur, as a business builder, that's totally a different mindset than it is that attorneys are trained for. So I think that's definitely a separation. like, you know, I have a lot of investors that are attorneys. That was, that's who my investor base is. Typically it's other attorneys. A lot of other capital raisers don't go after attorneys because they are paying the ass. We ask a lot of questions. Like I said, we are risk averse. Like, you know, we're not the ideal.   person or people to raise from.   I'm gonna predict my money isn't really the case.   with a cold on the page. 137 second paragraph line four. What does that mean? Why is that? And, know, that's the kind of stuff you have to deal with. But, you know, they do make a good amount of money. So there's a, you know, there's a push, there's a give take there. But, you know, I think that that's, I have identified that with conversations with my investors and obviously my prior colleagues. I mean, that in itself is, is a big difference.   It's a big difference. We're just as attorneys, we're just trained to find and look at risk and think about all the bad things that can happen. And man, when you're building a business, when you're growing out on your own and you say, I'm done with my W-2, I don't want that paycheck anymore. That's a lot of risk, right? Or at least it's a lot of risk to a person that thinks that way. I actually don't think that way. I think it's more risky to be have one income stream and be a W-2, but that's certainly not the way that they typically look at it.   (Seth Bradley) (24:02.306) Yeah, no, it's interesting what you're saying. But I'm also curious though, that if they are also investing, because it sounds like you've also worked with some associates, or at least your investors have come from the same cloth, it sounds like they might be, instead of again, raising the capital like you are, high risk, high leverage, they're willing to put their money to work. Do you find that   And I guess maybe that's it. Do you find that that kind of archetype is finding that to be of a less riskier approach versus flipping versus doing it themselves? Or do you find that it's more of time constraint thing? it's like, listen, I got the money. You mentioned it. I have a high net worth. I'm an accredited investor. Let me just do it with someone who's an expert. What have you seen since you've been on both sides, and especially as a fundraiser?   Yeah, I think it's that investor profile. You know, these are folks that make a lot of money from their W-2. They have no time on their hands because their W-2 is so demanding. then any time they have outside of that, it's got to be spent with family. So they really just don't have any time, but they do have capital. So it's just that investor profile that you're dealing with with attorneys and some of the similar, you know, with doctors and dentists and engineers and people like that. Same thing. You know, they're highly paid professionals.   You know, they went to school for a long time. They make a lot of money, but they don't have any time. And unless they really want to venture out and say, okay, I want to raise capital or, or, I don't know, you have to figure out a way to carve out more time because they certainly don't have it. I know when I worked in big law firms and I'm trying to bill 2000 hours a year, I don't have time to, you know, invest actively. In fact, I actually got fired from my big law job, my last one, because of that, because I'm raising capital and doing real estate deals.   and starting businesses and guess what? You don't have time to do that if you're working at a demanding job, whether that's as an attorney or Dr. Dennis, whoever that might be. So I think it just comes down to that profile and do you have time? Do you have capital? And then whatever one you have a surplus of, that's probably where you're going to fit into the asset. So you can invest if you have capital and no time.   Ruben Kanya (26:26.126) You need to find something a little bit more passive and that comes through like funds and syndications and things like that.   All right. So that's very helpful and I think very interesting because you've seen both sides. You not only were on the other side, but you've also been the capital raiser and then you've also yourself invested passively. Tell me about the first deal that if you recall, at least the like kind deal when you raised capital, who did you go to?   Did you start with your client base? Did you start with friends and family? And then maybe we can even get into the granularity. I know there's different non-accredited, accredited 506V versus 506C. There's a lot of different kind of foundational pillars. But talk to us about what your first deal was like, if you recall some of the numbers and what kind of asset type and then who you actually pulled in. So people can start thinking of actually what's possible when we talk about capital.   you know, in fundraising, we think of it as this big thing, but people like you and me can actually start initiating these kinds of transactions. Talk to us about your first one.   Yeah, man, I mean, don't remember the actual specifics, but it was like 100 because there's around 150 unit multifamily something like that was your first That was the first raise it was the first raise but I was brought I I wasn't the primary operating partner I brought in as a capital raiser that sort of thing and also providing some legal services as well. Um, but I was   (Seth Bradley) (27:48.078) That was your first race.   (Seth Bradley) (28:01.422) Hold on. That's interesting. Now you kind of you're kind of double. Is that is that how you got your general partner essentially? Were you a general partner on that? Or were you tell us about that? Because from what I understand, you can correct me if I'm wrong here. You're the expert. You can bring in different subject matter expertise to the table to value your I guess your position and a capital raise. Maybe one is investor relations, one, et cetera. Did you from what I understand, bacon?   some of your services and as a GP or is that, what did you?   Yeah, for sure. Yeah. I was a general partner on that deal, baking in some of my legal services as well. Started leveraging my skillset that's super valuable. Obviously, it's applicable to these capital raises. I can help you raise capital and also be the securities attorney and also potentially the real estate attorney as well on the deal. So lots of different ways that I can get in there and provide value to the active partnership.   But yeah, I I was tasked with raising, you know, half a million dollars. I didn't hit it. I hit way under. I think I might've raised like a couple hundred thousand dollars. And I was pretty happy that I even hit that because it's the first time. I'm, and I'll tell you what, man, like capital raising is hard. Like I think that, you know, you see all these masterminds out there and these coaching programs and things and they're teaching how to raise capital and some are great. And I'm actually in a couple of them. but they are, you know, they, have to sell you on that. easy, right? They have to sell you on, Hey,   I'll give you the systems, the processes and boom, you're going to be able to raise a million dollars easily. It's not that easy. unless you already have a built in network of high net worth individuals, that's where you'll find success. Or maybe you have a platform like yours where you can access a lot of people that you already have a relationship with and you'll like, and trust you that love what you're doing. And they're like, man, if he's investing in this, it must be good. So that those people, like you, and then also people that are.   Ruben Kanya (29:59.426) we tend to see a lot of doctors and dentists that are very successful right out of the gate. Cause guess what? They work with other doctors and dentists who already trust them, who have money, who already trust them. So they do great. and then others, like me are probably somewhere in the middle, right? We we've got a base of investors that are like attorneys, which seem like they'd be great because they have money, but guess what? They're a pain in the ass. So there's, there's a little bit of give take there. and then you have other folks who,   you know, maybe they're a school teacher or something like that where their colleagues maybe don't have a ton of money to invest and they have to follow just like, you know, follow the processes, the systems and the marketing funnels and those things and rely really heavily on that. And typically it doesn't go that well. It doesn't on the first one. You've really got to be scrappy. Like you've got to get in there. You've got to literally make a list of a hundred people that you know, that might want to invest right.   type it up, go systematically through that list, and you've gotta break out of your shell and not be afraid to just reach out to these people, no shame, get your pitch together and just do it. And it feels awkward and you don't wanna do it and you feel like a salesperson, but you've gotta do it. You've gotta break through those reservations and make it happen because that first raise is a bear. You've gotta just be.   You've got to be scrappy and you've got to do whatever it takes and 10x whatever you think is going to take.   Experiment nation, you've heard me talk about how multiple investors across the nation are landing these lucrative midterm rental insurance contracts by making these small tweaks on the branding and marketing side, especially if you're an existing short-term rental operator, there is a quick and easy shift that you can make with the ride guide in place. And because we've launched a two-day bootcamp,   (Seth Bradley) (31:59.278) that not everyone could attend in real time, I've put together a recording where you can get all the materials and all the guides to focus on rebranding either your short term rental business or your current midterm rental business so that you can actually have the insurance companies reach out to you. And then day two is if you want to actually play offense, how you can reach out to them by listing on the right platforms, et cetera.   If you're looking to get this MTR bootcamp so that you can start optimizing and you can start receiving these lucrative contracts that again, provide less headaches, less turnovers, unlike the Airbnb space, you can start receiving inquiries today by having the right guide in place. So please go to experimentrealestate.com for slash MTR bootcamp or click the link in the bio to make sure you get your hands on the   and midterm rental insurance bootcamp to fast track your way into landing these lucrative insurance contracts the exact same ways multiple investors have taken advantage of this unknown and untapped niche within the midterm rental umbrella. Wow, so I'm a systems guy and as you're speaking, I'm taking notes here guys. I heard three key pillars and feel free to add to them because I wanna hear.   kind of the downfall of some of what folks are coaching. I heard one is money, number two is trust, and number three is network. And I like how you highlighted those because I hear, well, if you have a network and you can get access and you have a large pool, then there's probably people who are gonna have money in there. Then if you have what I'm hearing is authority, trust, AKA I'm a doctor, you're a doctor, we speak the same language. And by the way, guess what? Third pillar, we all have money.   So that's kind of like the sweet, sounds like that's the sweet spot. MTN money trust and network. What did I miss?   Ruben Kanya (34:03.89) You nailed it, man. That's it. That's kind of the big level, the high level things that you need. I mean, you need that authority or you need to be able to show that you know what you're doing, that you know what you talk about and what you're talking about, that sort of thing. And then obviously that network, you either have to develop that through your W-2 that you already have or however it might be, or maybe you have a platform, right? Like maybe you have a platform like a podcast or an investor group.   or an in-person meetup. We don't do those as much as we used to before COVID, but that used to be a huge thing. Like I were on a real estate meetup in San Diego County or something like that. And it goes, that used to go really, really well for people to be able to raise capital. So yeah, you gotta have that platform. Network. I know, right, Networking lunch.   You should bring that back. There's something about because there's something about this, right? This is cool. Like, what a time to be alive where you and I can connect in the flesh. But I want to echo what you just said. Because I'm kind of speaking to myself as a reminder, Ruben, you got to get these meetups going again. We used to do a meetup in New York and Atlanta.   And just the relationships that happen in the room and you're being the super connector is so powerful. I wouldn't get cute and just, you know, this is great that you and I can connect while you're in San Diego and I'm here in Boston, but it's not, or it's and, I think we should, I think we should bring it back. Cause I could tell it may a super charismatic dude, great energy. you know, obviously you're authoritative figure and I feel like, I think, it will only service more.   never seen.   (Seth Bradley) (35:41.87) to have these in there's something about in person. So yeah, I'm just I'm preaching to the choir, but I'm also like, hey, accountability, I'm gonna check up on you. gotta do the same.   You gotta appreciate it. Tell me sure man. And it's great. Like when we meet on something like this and we have some interactions on social media and then we get on each other's podcast, you know, get to know each other. And then when you meet in person, you're like, this is awesome. You already feel like you know the person. So technology is a great and right. Another and yeah.   Yeah, don't sleep on that fit that in person. We need more of that if anything. And people are, you know what, people I think are actually searching for it with all this technology. So good reminder for the both of us and whoever who's listening. I want to touch on something that you said, Seth. You mentioned, because I like learning from those who either have failed or made mistakes because can expedite our learning process. So you said,   First deal typically, uh first one doesn't go well, uh, it's a bear but then you also mentioned that uh, you know Some some mastermind programs, right and there's a lot out there good and bad and some are better than others. Uh, some of them, you know I see I guess uh, maybe Don't um, I should say, um, maybe they fall a little short   of helping you get to your first link. What's missing? What's the missing link? We talk about money, trust and network, but like if I wanted to nail it the first time the right way without, and I wanted to learn from someone like you from, your mistakes or from someone else's mistakes or from, know, those masterminds that are just falling short, what is a, is, is it a foundational or at least insight or lesson learn or thing I should keep top of mind in addition to the money, trust and network that would maybe put me in a   (Seth Bradley) (37:40.024) position not to have the first one be so challenging.   Yeah, I mean, to be honest with you, I think it's going to be challenging no matter what. I mean, I think what I was going to say is actually grit, right? You have to have grit. So I think it kind of it's a counterbalance here where you have a mastermind or coaching program or a class or something like that that you're selling to somebody. And the only way somebody is going to buy it is if you say, hey, buy this or come join me in this group and   I'll make it easy for you to do what you want to do. Like that's the selling point. You have to say that it's going to be easy to get them to pay you to do it. But the problem is once they're in, you realize it's not easy. So, you know,   People sell the promise, not the process.   That's right. That's right. So, you know, I think maybe I don't know if there's any way around that. Like you certainly can't sell it is going to be hard and be like, Hey, well, if you buy my $20,000 program, you're probably not going to make it. So you can, if you want, you know, it's just not, it's not going to work. So I don't know if that's going to change, but I would say maybe once you get into that program, then you preach that, look, I can give you the systems, I can give you the processes. I can even teach you the compliance and I can hook you up with all my different, you know, my network and   Ruben Kanya (38:59.21) hook you up with my securities attorney and my CPA and my funnel builder and those sorts of things. But at the end of the day, really emphasize that it's going to be work. You have to not only implement the systems, but you're going to have to scrap. Just like building any business, capital raising is a hard business and you're going to have to do things that are going to make you uncomfortable. And if you don't go all in, you're not going to make it. That's all there is. It's just like any business.   or even a piece of a business. So me and my wife own a few gyms together and like sometimes we'll implement like you know, a promotion or something. Right. And if we half asset, it doesn't work. It just doesn't. It simply does not work. You have to have full buy-in. You have to believe in it yourself and you have to get your teammates and your employees to believe in it or they won't or they won't grow in the same direction as you. You've got to be all in just like with any business or it's not going to work.   love that. That's a good one. The belief system is certainly a big one. And I'm sure it comes off across, especially in this space of capital raising, you people want to know that, do you believe in what you're saying, right? Just as much as you believe in yourself. That's interesting. So   Tactically, was talking to this gentleman yesterday at the gym, speaking of the gym, a young guy, a hustler, you know, making some good money. And we were kind of talking about, you know, journey, you know, part of the journey is, you know, acquiring skill sets and honing your and sharpening the axe, for lack of a better word. And so I'm curious, you know,   And I'm going to stick to my pillager because that's a reference point for me. But if I'm thinking of, what is one skill? Not saying for this is the end all be all by any means, just curses. If I was to focus and truly get really, really good at one skill and, can she not just achieve mastery in it? Is it fostering relationships, remembering Seth's birthday, what he does? Is it being able to really get   (Seth Bradley) (41:17.998) great at communication and putting together a pitch deck, just to get a little bit more granular of like, what skillsets should I be thinking of, of honing, flexing that muscle and or which skill sets would actually give me an advantage in this space to really double down on? What would you say to that?   I'll just lean on what I personally did. And I think that that's public speaking. So it's a lot, it's something that people hate, right? Like most people hate it. There's a small percentage of people that love it. Not very many. Most people say it's their biggest fear. Certainly my biggest fear was public speaking. so I had to overcome that. I realized that in order to be the person that I wanted to be, I needed to overcome that fear. I needed to get good at what I was not good at. And that was certainly it. And I'll tell you what.   doing what we're doing now helped me. So I launched a podcast. It helps a lot. You get used to talking, you get used to conversating with people and you being the center of attention and focusing your thoughts and putting them into the words that you want to say. And it, it really helped. And I think that that goes from the top down. So even if you, you know, public speaking, you're thinking about, you know, being on stage and giving a presentation, that sort of thing.   Just gonna say.   Ruben Kanya (42:34.914) but it trickles down all the way to networking conversations, to having a phone call with an investor. Like it just improves your conversation skills and your communication skills that you have, whether you're on stage, whether you're on a podcast or whether you're on a phone call or a face-to-face meeting with an investor, it trickles all the way down.   I love this conversation so much and Seth, you have your own podcast as well. Why don't you plug it in for a second.   Sure, it's called the Passive Income Attorney podcast, but I will say that I'm rebranding to Raise the Bar Radio. Obviously a homage to raising capital and being an attorney.   Right. No, the reason I bring that is I couldn't, I just want to echo that, that, everything is, is, is a, is a building block, right? I think what's fascinating about having your own show, right? Seth is, you know, that when someone is talking, traditionally, or if you're not well trained, you're already thinking the next thing to say, not really hearing the person. This skillset right here, but we're doing, which I love so much, you know, forces you to be a better listener.   You know be able to collect information Digest it analyze it and then respond to it. I've always said I think having a show a podcast is one of the ultimate hacks because of the the the There's just so many multiple benefits associated with it. I'm curious. Do you see it that way too? Or is it just me?   Ruben Kanya (44:06.798) just 100 % man 100 % you heard me man like that it's a game changer I mean there's that's to me the number one thing but also you you just get to make connections too right like you get to have guests that you have to have a reason to have somebody on your show that maybe you wouldn't get to talk to for whatever reason or and you get to cross paths with people and you get to say you get to share this experience like we're always gonna have this experience I know when I meet up with people in real life   maybe five years later, like at a networking event, I'm like, my gosh, you remember we were I was on your podcast four years ago or whatever. And it's just like, you know, it's like we're high school buddies or something. you know,   You know, that's so funny you say that Seth, because I was at a conference and I've seen this dude and it had been so long. He's awesome. And I blanked on his name and I was like, but I like, hadn't seen me yet. So I just went to my episode, scrolled them like that's right. Cause I couldn't put it together. I'm like, why am I playing on it? And we hit it off. went to lunch together. Like it was just awesome. But it's to your point, it's, it's sharing an experience one.   It's learning how to communicate, learning how to listen, and then being able to... That's why I actually like being on this side more, because I get to ask you questions. It's having a master class. I'm learning so much right now, and then I get to share with my audience. It's like, Roman, that was just a great interview. like, dude, I self-interest. I selfishly was just as hyped. I'm so glad you got value out of it. So that's awesome, Seth. Let me ask you. So, know, biggest...   You talked about the capital raising, challenging, having grit, needing grit, having a network, having money, having relationships. On the other side of this is, ah, this isn't for me. Do you have a message for those folks who are saying, you know, if you're an advocating for it and obviously you have a service around it, you've done it yourself. Sure. It's not for everybody.   (Seth Bradley) (46:14.178) Right, but for someone out there who's not thinking this right like I think I was in a meetup There was a gentleman out like 300 something units like single-family homes. I think I think you did it the old-fashioned way old gentleman I'm like, yeah, I'm like damn. what is it? What message you have to like share as far as I? Like pulling on levers, right? That's why a lot of us get into real estate levers being anyone resources capital social capital, etc Can you?   Just give us your take on this lever and the power it has. And if someone's not thinking of this, the power it can have. I you mentioned 120 million in 2022. Like help us understand and grasp that for someone who's thinking still like, oh, I'm going to just refinance. I'm going to flip this home and I'm going to OPM. How important is that?   It's so important. Like I said, it's scale, right? It's scale and speed. And that applies to any business that you're trying to scale. It's speed. Like, can you get there on your own or maybe finding one partner at a time? A lot of times that's where you start. Like if you're fixing and flipping homes, you get to a max and you're like, I'm going to bring in, you know, Joe Shimo or my brother-in-law and they're going to fund this one deal. And you're doing one house at a time, or maybe you're doing two houses and you're doing three, but that takes time.   I mean, it just takes a lot of time to get there. So you're just going to be going like this. Maybe you're going to keep improving and then you're going to have one bad deal and it'll be chopped back down a little bit and they're to keep going. But with other people's money, you go like this, like that you get vertical and you can get, and you can just get economies of scale. can, again, just go with speed and that's what matters in business. Now, maybe that's not for everyone. I do get that. Like, I think if you would have asked me a few years ago, I would have said, this is the only way.   Like this is the only way you have to do it. I don't know if it's necessarily for everyone, but if you do want to get to that next level and you want to get there fast, like you want to achieve it soon, then other people's money is where it's at. Like you have to use it like gasoline on a fire.   (Seth Bradley) (48:21.678) Tell us about the, I recently heard Alex Formozzi say this, and I think he was talking about how people need to realize that a piece of a watermelon is always gonna be greater than a large grass, like grapes or something like that. I was like, oh, that's a very interesting analogy. Can you break down maybe just for us who are not familiar with the split?   when you're raising capital and you have other people's money in play and you know a lot of people talk about assets under management here and there millions here and there but help us understand like what's what's the what's the ratio you helped a lot of clients if someone's a GP on a hundred million dollar deal or a ten million dollar deal how much are they actually taking home right like how much do I make because you know you see a lot even on social like   I think that's very interesting for us because you know, we got into the space and we're super lean, but at the same time our margins are ridiculous and it's not about how many doors someone how much profit we make per each, you know, property with all these insurance companies who are paying us like five X what you would traditionally pay. So it's never been about a door contest for us, but that's very prevalent in the industry. Like, we got assets on a management, you know, 20 million here, 120 million. But how much would one.   for someone who's listening, or maybe you're not thinking, said pour gasoline on it, how much am I actually taking home, let's say on a $100 million raise, or on a 20 million, 10 million? What's the good ratio? Like what am I making? And then what's the upside of that? And why is it beneficial for me to really pay attention to this? Especially if I am for profit and money driven, and I understand the opportunity that might be at stake here.   For sure, man. And you're kind of opening up a can of worms, right? So we'll see where we take this. the general idea here is you're actually not allowed to raise capital without a license. So just like being a doctor or a dentist or an attorney, you have to have a license to be able to raise capital. And it's called a broker dealer or potentially an RIA, a registered investment advisor. So if you're not one of those people, if you don't have a license, you need to have an exemption from having   Ruben Kanya (50:41.814) that license. Now, if it's your, this is speaking in generalities, but if it's your own deal, if it's your own fund, if it's your own syndication, if you're the one buying the property, that's an exemption. You're exempted. You can raise capital for your own deal and that's okay. And that's kind of the co-GP concept that we talk about sometimes. I actually don't like to say co-GP because to me it's a fallacy. There's no such thing as a co-GP. You're either a GP and an active partner.   or you're not. And what's a co GP. So we call co GPS or the way that the industry tends to frame them as kind of these small capital raisers, right, these small capital raisers that come in and raise a little bit of capital, and they don't participate in the deal in any other way. So they don't provide any services, they don't do any of   I got got I got rich friends Right you call me you say Ruben. Can you code GP this? know you can probably bring us an extra 50 million to the table Co GP or you're saying is actually not kosher   It depends. So it all depends on how you structure that deal. So if you're bringing a large amount of capital and you're only bringing capital, what you're going to want to do is negotiate managerial or voting rights within that legal entity that you're partnering with. So maybe they're the operating partner and you're the capital partner. And that's okay. So long as you as the capital partner have some sort of like meaningful voting and managerial rights. So that's kind of what private equity does, right? They come in, they raise capital.   And that's all they do is provide capital. But guess what? In those legal documents, if something goes wrong, let's say with the property or whatever the asset is, they have takeover rights. They can come in and manage the property and take over the asset management if they want to. Those rights are baked into the legal documentation. And that's what makes it okay, because they are an active partner because they have those managerial and or voting rights. But when you come in as a, let's say a smaller partner, and all you're doing is bringing in capital,   Ruben Kanya (52:41.1) and you're not doing anything else. So you haven't negotiated any meaningful rights to make decisions or to manage. you don't actually manage the asset. You don't actually attend the meetings. You don't do anything except, here's my 500,000 bucks from my investors. And then you walk away. That's actually not legal. And a lot of people call that the Code GP model. But actually, you're either an active partner in the deal or you're not.   Would it change Seth if I, it sounds like what you're saying is I'm bringing 500K and then I'm just leaving. I'm just like, here you go. Here's, I'm just hooking you up. Would that change if I put my own money into the deal? Now I'm an LP or no, there's more complicated.   Now you're, yeah, now you're an LP because it's your money. So you're just an investor.   Right. you're saying I could, yeah. So you're saying the difference between the example you just gave is the fact that that person never had money in, they just brought money in. That's none of their own money. And then they didn't do anything. You're saying that's a red flag for lack of better words, if they don't have the proper, I guess, voting rights, manager rights, et cetera. Is that an accurate recap?   Yeah, I can use my own capital. I can put my own half a million dollars into somebody's deal and be a passive investor. And that's okay. I'm not raising capital. That's my capital. But if I said, okay, here's $250,000 from my mom and $50,000 from Rubin and another $100,000 from this person and that person. And I put it in a LLC or I just bring them into the deal. Then that is raising capital. You're raising capital from other people. And that's, that's the difference there.   (Seth Bradley) (54:14.254) Yeah, so it's almost like you could be stacking, you know, people are a bunch of people are recruiting for the fund, but those folks are not on there as investors. It's aggregated funds, essentially, which could create a problem, right? Is that what you're saying? Yeah. Okay. Yeah. Very interesting. I never even thought of that case study. Yeah.   Yeah, I didn't even ask your question though, which was how much money can you make? Right? So typically, typically, and again, we're putting securities laws aside here. We're just talking about kind of industry norms, we'll call it. Maybe 30 % or so is put aside for the capital raising. So 30 % of the GP. let's say there's a syndication where you do a 70 30 split, 70 % goes to the investors, 30 % goes to the general partners. Well,   If you bring in, let's say, 100 % of the equity, you bring in all of it, then you'll probably be allocated about 30 % of the general partnership. So 30 % of the 30 % in that example. So you get 9 % of the deal.   What did you mean by 100 % of the equity amount following?   So if you had to raise, let's say you're closing on a $10 million property and you need to raise $4 million to close it, or let's say the down payment plus capital improvements, something like that, and you bring in the full $4 million, you brought in 100 % of the equity needed to close the deal.   Ruben Kanya (55:38.574) Yep. And then overall, so and then what has happened now? So what's going on now or what's happened over the last couple of years is that there have been some very well-known syndicators in the space get investigated by the SEC and people have said, all right, well, now we need to figure out a different way to raise capital, compliantly. Right. And the answer is actually always been out there, but it's had some difficulties and that's a fund to fund. So   people out there, they've heard of a fund to fund. This is more a more prominent way, a more compliant way to raise capital nowadays. But I'll tell you what, comparing it to the CoGP model, it's more complicated. It costs more money and it's just a lot more work for you as the capital aggregator or the fundraiser. So people have avoided it because they've just done the CoGP model because it's easier. But now that the CoGP model isn't as available, people are still doing it, but people are kind of shying away from it because of the   the investigations that went on. Fund to Fund has become a lot more prominent and you have companies like Tribe Best who I'm chief legal officer for, full disclosure. We put together a Fund to Fund product where we make it cheaper, easier, more compliant, and you can just do it very easily and within five business days because we do everything for you. So instead of you having to find a securities attorney and a CPA, open a business banking account, file your LLC,   Walk your investors through the signing ceremony and get them to wire your funds. We call that herding the cats. Do all these things and put your cap table together, do your distributions, all those things that you'd normally have to do. Tribe Best does. And we do it for a very low price in comparison to what I would charge you if you came to me as a law client.   Interesting so I like how you just covered the foundation there. Let's go back to the 10 million dollar example, right? Yeah, you put in equity is you said so this is me saying Equity to close is 4 million. And so I'm bringing in 4 million just so I'm clear is do I have and this is my assumption that a Lot of syndicators are also raising the capital for that 4 million. Is that not correct?   Ruben Kanya (57:55.032) Typically, yes.   Okay, so then you're saying, just want to make sure I understand all the different use cases. So I could be 4 million and then the Delta, I can either traditional lending and or have my investors cover the Delta, which would be the 6 million. Is that accurate?   Yeah, I mean you can find however you need to fill in that the debt the equity stack Well wouldn't be the equity stack the full capital stack. Yeah   Typical though, it more typical that if I'm the GP to $10 million asset that I'm actually going to raise, I don't know, $3.5 million and put 500K on my own money? Is that more typical than I'm...   I would say that is typical. Yep. That is more typical. would say prime example idea, $10 million property, get a $6 million, maybe a little bit more, $6, $7 million loan. And then you raise three or $4 million, whether that's from passive investors or whether that's your own capital that you put in, or maybe you bring in fund to fund investors.   (Seth Bradley) (59:02.478) Okay, so that's where I wanted to ask the question, fund to fund. Tell me how that's different than the, bring in 3.5, I bring in 500K to the table, I raised 3.5, now I have a $4 million down payment, we borrow $6 million on debt. Tell me how the fund to fund is different than that approach.   Sure. So that deal that you just described, we like to call that when we're talking it with respect to fund to funds, the target deal. So that's the target deal. Like that's the entity and the structure that's buying the asset. So they're buying this $10 million asset. We're actually at the fund to fund level, one level down from there. So we create our own legal structure, our own LLC, and you have your own manager, a fund manager who brings in their own passive investors and they put them in that fund to fund legal entity.   And then the fund of fund legal entity actually invests into the target deal. So they come into the target deal as basically a big passive investor. let's say they aggregate a half a million dollars where typically, you know, the average investor might be $50,000. So these are bigger investors. It's just one big investor to the lead sponsor or the target deal, but it's really, yeah, it's really another fund is what it is. So it's a fund of a fund or a fund of a syndication.   That is so interesting. so you're saying that is becoming more prevalent. You fund a fund. I mean, I would imagine that's where not to get so far off topic, but that's where a lot of big companies who are deploying their excess capital or investing in. I I guess it's in multiple portfolios, right? Investing, right? mean, there's commercial, there's insurance. I mean, there's so many different things you can invest your money into.   Yes.   (Seth Bradley) (01:00:46.656) Is that all fun to fun families essentially?   For sure. For sure. Yeah. You know, you can call it a fund. There's different kinds of fund to funds. Fund funds aren't new. They've just been deployed in a different way recently or more prominently or more often, which is this kind of this I'll call it. We like to call it an SPV fund to fund single purpose vehicle fund to fund. Now other people will call it that same thing and mean something different, but the way that we mean it is that we create this fund to fund entity.   And it's a single purpose vehicle, meaning it's created only to invest in one deal. So that $10 million multifamily deal, we create a fund of an SPV fund of fund only to invest in that one

Singer, songwriter, guitar player, and producer. Performing under the artist name Osmunda Music, she just released a new single less than three weeks ago, having put out three new songs since April 25th now, in the leadup to an August 15th EP. Her influences and the music she releases have been described as spanning numerous genres and her original music has been submitted for several GRAMMY nominations. She is also a founding member and the lead singer of the band Space Babies, and in 2010 opened Earthstar Creation Center, a recording studio in Venice, California. More recently, along with two other artists, she established the nonprofit Pandion Music Foundation in 2022, to help independent music creators further their careers with free weekly online music industry workshops and a monthly newsletter.

The guys discuss what their reactions were to Tigers pitcher Will Vest hitting Diamondbacks 3B and potential Tigers trade target Eugenio Suarez last night.

7-day FREE trial of our Intermediate Spanish course, Spanish Uncovered: ⁠⁠www.storylearning.com/podcastoffer⁠⁠Join us on Patreon: ⁠⁠www.patreon.com/storylearningspanish⁠⁠Glossaryexquisiteces: delicaciesdistinguidos: distinguisheddiscretamente: discreetly duquesa: duchessFollow us on social media and more: ⁠⁠www.linktr.ee/storylearningspanish

Weighted vests are having a major moment - especially in the wellness world for women over 40. But are they really worth the hype? In this episode, I take you behind the headlines and into the science to answer the question: Can wearing a weighted vest actually improve bone density and strength? I dive into recent research, share my personal experience testing one out, and offer practical tips if you're curious about adding a weighted vest to your routine. As always, we approach this with curiosity, compassion, and clarity because not everything trending on Instagram is backed by evidence (or even feels good for your body!). What You'll Learn in This Episode: What the latest research says about weighted vests and bone density Whether walking with a vest is as beneficial as it seems The pros and cons of adding weight to your walk or workout How posture, core strength, and alignment factor into safe use Personal tips for getting started if you choose to try one Episode Highlights: Three key studies on weighted vests and midlife women's strength, balance, and bone health The (limited) evidence on whether walking with a vest impacts bone density Why enjoyment, posture, and core strength matter before strapping one on Robin's personal experience testing a 12-lb vest—and how it felt in her body Questions to ask before adding a vest to your routine Resources and Links: Join the Lindywell community: www.lindywell.com Follow us on Instagram for daily inspiration: @wearelindywell Blog post on weighted vests with links! Let's Connect: Visit www.lindywell.com for free resources and more episodes. Subscribe to the podcast so you never miss an episode! If you found this episode helpful, leave a review and share it with a friend!