Podcast appearances and mentions of will andrew

This is a free preview of a paid episode. To hear more, visit www.houseofstrauss.comRogue Bogues podcasters (and former NBA professionals) Andrew Bogut and Mike Procopio are here for the playoffs! We start with the elevated physicality of Warriors-Rockets and whether Amen Thompson is at fault for Jimmy Butler's injury. From there, we're looking back on situations as wide ranging as when Draymond Green kicked Steven Adams in the nuts in 2016, all the way to whether the Warriors tried to trade Steph Curry for our humble podcast guest (not Procoprio) in 2012. Topics include but aren't limited to…* Who's at fault for Jimmy Butler getting injured?* Did Ime Udoka make a mistake by using his move of putting Alperen Şengün on Moses Moody two weeks before the season ended?* Does Bogut think that Draymond Green really tried to kick Steven Adams in the balls back in the 2016 WCF?* What's up with Steve Kerr scolding the Houston crowd for chanting “Fuck Draymond”?* Was Evan Mobley the right choice for DPOY?* We are not fans of how Jonathan Kuminga's been playing* Our theories on why the Mavericks did their disastrous Luka Dončić trade* Would Pro take a bunch of money to do the Luka trade if ownership demanded * How Andrew feels about Mavericks president Rick Welts bringing up his name when trying to justify the infamous trade* Andrew swears that the Milwaukee Bucks had the option of taking Steph Curry instead of Monta Ellis in that 2012 trade* Will Andrew ever coach an NBA team?

Will Andrew want to play the OG Red and Blue again or try the newest installment of the Pokemon Franchise in Pokemon Legends Z-A?Take the quiz with us:https://www.buzzfeed.com/gabrielsanchez/which-pokemon-are-you Like the show? Leave us a 5 star review and subscribe!Send us a tweet at @Namely90s.bsky.social Discuss the show on Instagram @Namely90sFind us online at Namely90s.comConsider joining our Patreon at Patreon.com/Namely90sFollow Brandon on Bluesky at @bschwitty.bsky.socialFollow Andrew on Bluesky at @therocdoc.bsky.socialOutro:Pixelland by Kevin MacLeodLink: https://incompetech.filmmusic.io/song/4222-pixelland License: http://creativecommons.org/licenses/by/4.0/

Send us a textThe agents are stuck! How does the X-Files handle the time loop problem? Will Andrew have yet more complaints?!JOIN OUR SOCIALS!magusmediaproductions.netwww.facebook.com/groups/thisisnothappeningpod/ @TINHXFilesPodCONTACT US!tinhxfp@gmail.com

Andrew and Matt invite a special guest to discuss the top track from Fleetwood Mac's Rumours. Will Andrew completely lose his mind while defending Stevie Nicks? (Yes)Guest Commentator : Railroad Rich Sampson We're on Spotify, iTunes, iHeart Radio and anywhere else you get podcasts. So listen, like and follow!IG: @toptrackpodEmail: toptrackpodcast@gmail.comFacebook: Top Track Bar and GrillBlueSky: @toptrackpod

Will Andrew get SCHOOLED by Hannah?

Welcome back to Your Friendly Neighborhood Gamers! In this special New Year's episode, hosts Andrew Kimball, Aubrey Sommer, and Dylan Wren sit down to share and discuss their gaming resolutions and goals for 2025. From finishing AAA titles to diving into unexplored game genres and tackling backlogs, the trio lays out their ambitions for the coming year in gaming.Does Aubrey have what it takes to finally conquer some AAA titles? Will Andrew persevere through Baldur's Gate 3? Can Dylan catch up on PlayStation exclusives he's missed? Tune in to find out and be inspired to set your own gaming goals!Later in the episode, test your gaming knowledge along with the hosts as they play "100 Questions," a fun guessing game that will have you laughing and yelling at your speakers in agony when the answer is so obvious!WEBSITE https://www.fngamers.com/DISCORD https://discord.gg/euhEYZxC58 TWITTERhttps://twitter.com/F_N_GamerzINSTAGRAMhttps://www.instagram.com/yourfriendlyneighborhoodgamers/YOUTUBEhttps://www.youtube.com/channel/UCRgS_YRAM8_PlWNvxrjQshAFANTASY CRITIC LEAGUEhttps://www.fantasycritic.games/league/021e0fef-fd55-4c89-b380-4418c51a7727/2025Support the show

This week, Andrew and Jago dive into the chaotic world of **musical rivalries**, from playground-level spats to outright murderous feuds. Highlights include: - Jago's dangerous addiction to seaside 2p machines, proving the only real winner is the arcade owner. - The eternal bitterness of Dave Mustaine (_35 million albums sold but still salty_). - Blur vs. Oasis—teen idols or commercial gladiators? - Charles Manson: misunderstood artist or murderous twit? (_Spoiler: Jago's hero worship is… complicated_). - Brian Harvey of E17's many adventures—from parking tickets to jacket potato chaos. With riffs of the week by **Will Haven** and **Jesu**, a dash of Blur's weirdness, and some surprisingly heartfelt moments (looking at you, Softplay), this episode is chaos wrapped in catchy melodies. Will Andrew and Jago choose sides in these rivalries? Spoiler: expect zero objectivity. Like, subscribe, or just send Brian Harvey your best wishes—he might need them more. ### Riffs of the week #### Jago's Riff - Will Haven - Miguel (1:55) #### Andrew's Riff - Jesu - Silver (opening) ### Jago's track choices 1. Metallica - The Four Horsemen VS Megadeth - Mechanix 2. Oasis - Hey Now VS Blur - Battle 3. Take That - Could It Be Magic VS East 17 - Stay another day 4. The Beach Boys - Never learn not to love VS Charles Manson - Cease to exist ### Andrew's track choices 1. The Brian Jonestown Massacre - Not if you were the last Dandy on earth VS The Dandy Warhols - Bohemian like you 2. Tupac - Hit 'em up VS Notorious BIG - Who shot ya 3. Soft Play - Everything and Nothing VS Sleaford Mods - Jobseeker 4. Husker Du - Don't want to know if you're lonely VS The Replacements - Something to du Email us - beatmotel@lawsie.com

Keep up with everything Operation: Puppet does on https://www.OperationPuppet.com0:00IntroAndrew got a new... bed frame!Oh, hey, America...28:34The Puppet PitShop builds are on, and prep for the Holiday seasonKrampus, eh?Build Streams continueAll links on https://www.operationpuppet.com. Join the Discord! https://discord.gg/3zPqDcGJAC42:09Gizmotown The Deck Nook.Shit has apparently gone down with the "official" Steam Deck subredditAYN Odin 2 Portal or Retroid Pocket 5? Will Andrew buy one? We still don't know!Stuff wot is happening on the MisterPi frontDeck-adjacent news: Steam video recording is out of Beta, and is very, very good.PS5 Pro: Did Kevin get one? Thoughts? REVEALED! Stay tuned for a shocking twist!Kevin has performed surgery on a TI-99/4A. The retro journey continues!Jamie has stepped foot into the world of Android trackers (similar to AirTags)2:02:24Pixels and TokensDiablo IV is good, actuallyNintendo sues streamer for streaming, uhh, "pre-release" gamesKevin cold bought Dragon Age: Veilguard. Thoughts.Music Credits:Opening Music/Stinger: Funk Babe by emiliomerone. Audiojungle Broadcast License.Gizmotown: kiddpark, Freesound.org (Creative Commons 0 License).Pixels and Tokens: Kagateni, Freesound.org (Creative Commons 0 License) Hosted on Acast. See acast.com/privacy for more information.

Andrew, Steven, and Jacob discuss the fantasy football players you must buy and sell in Week 8. Is it still worth trading for De'Von Achane? Is Russell Wilson a buy-low? Why is DeVonta Smith always underrated? Why is Jacob willing to sell Tank Bigsby? Why isn't Drake Maye someone you can keep starting the rest of the season? Will Andrew ever believe in the Washington Commanders?Follow:@fantasyguides on IGVisit: https://fantasyguides.com/For less than the price of a large pizza, you can pick up our Season Guide with rankings, matchup grades, utilization, and more!01:50De'Von Achane: Really, the Dolphins?05:23Russell Wilson: A Controversial Buy09:55DeVonta Smith: A Buy Low Opportunity13:19Selling Tank Bigsby: A Cautionary Tale18:04Drake Maye: A Sell High Candidate22:31Terry McLaurin: Time to Sell?

No land lubbers! Only seamen! We get down to commercial fishing with Steve Finn's fun sailing game. Will Andrew and Pete be switching careers, donning the....fishing....suit? Only one way to find out. Listen now!   All our links

HIS DARK MATERIALS by Philip Pullman WATERSHIP DOWN by Richard Adams   In our 148th episode, Andrew covers not one, not two, but three books! That's right, it's HIS DARK MATERIALS week on the pod. Will Andrew be captivated by this classic, which Toby reveres? And just in case you were worried that we didn't have enough touchstone works of fiction for children featuring animals, Bailey dives into WATERSHIP DOWN by Richard Adams. There's also a healthy heaping of speed reading discussion, sassy author quotes, and capybaras - aka something for everyone!   *If you'd like to have your voice on our last episode, please send a voice note of your best "Books, books, books!" to our email - more info in the episode!

Andrew has never heard a Nicki Minaj album, and Diamond is pretty sure he will hate it ... nonetheless, Nicki's debut album Pink Friday (2010) is the topic of today's podcast!There was a time when Diamond considered herself a Barb (a Nicki Minaj fan), and while her support of Nicki has waned in recent years, she wonders if Pink Friday will hold up. We also learn that Diamond's longtime go-to karoke song is on this album. Will Andrew find anything redeeming on Pink Friday? Could it backfire on Diamond and she kinda hates it too? Subscribe so you don't miss an episode of At First Listen.Connect with the podcast on Instagram @AtFirstListenpodcast.(Episode 14.)

Although Diamond loves the song "Enter Sandman," she's always been too dubious of heavy metal to venture further into Metallica's catalog. But we face our fears here on At First Listen, and challenge ourselves (we are so brave). So on this episode of the podcast, we're digging into Metallica's seminal 1991 self-titled album — affectionately referred to as the Black Album.Does Diamond deem Metallica a one-hit-wonder or will she find some sleeper standouts on the Black Album? Will Andrew's masterplan of turning Diamond into a metalhead begin to take shape or will it blow up in his face?

Yerrrr! Schulz is getting ready not only for MSG but also to roast Tom Brady LIVE on Netflix. Kendrick FIRES back at Drake but is it enough? Lebron punks a white lady in his last ever game?? All that and much much more on today's dose of Flagrancy. INDULGE 00:00 LeBron goes out on top, what would MJ do? + Euro flopping 9:49 Joel Embiid is so frustrating to watch 11:41 Alexx = Fair Weather fan + Will Andrew get bumped? 14:36 NYC's different when Knicks are good + Cheeseballs Man 20:42 Andrew roasting Tom Brady live on Netflix + Kevin Hart hosting 24:16 Andrew has a Tom Brady set + Netflix is a Joke for Akaash + Mark too 29:09 Kendrick's “Euphoria”, prisoner of the moment + radio play 40:28 Is rap beef just WWE? Who's they??? 41:57 Uber driver in Jacksonville was WILD + Can Latinos say the n-words? 50:44 Michael Chandler is a monster + Canal Street Africans are BRAVE 55:27 Most racist Uber driver was… Nigerian? You made us actually work 56:57 They're blaming the Jews for EVERYTHING + Germans are Asians 1:07:43 Indian rocketry + English Indians are the G-League 1:13:11 AI drones is terrifying, Ukraine needs to convert to Islam + Africa v China 1:22:10 Flipping North Korea, moving the Taiwanese + Justice for Kazakhstan 1:25:48 Starting a cult today + hypnosis is cucky 1:37:00 Internet tells you how to grift, same talking points + audience dictates the content 1:47:44 Is Russell Brand Christian grifting? The market of free ideas is already rigged 1:53:53 Dealing with people caught up + Free Speech is the best of flawed system 1:58:39 Joe Rogan's rejection of authority, pendulum swings + Overton window shifting 2:04:12 We truly thought we knew + understanding China's paranoia 2:07:41 AI Competition + Flagrant song is the winner!

Welcome to #Millennial, the show whose name can't be spelled without three massive L's! It may have been a total eclipse of the heart in the path of totality, but Laura was underwhelmed by what 85% coverage during the solar eclipse looked like in Atlanta. Would you spend $949 to stay in a Super 8 motel to watch a major event like the eclipse? The moon ain't done slaying yet: the lunar queen is set to get her own timezone! We look at other examples of rare-ish events, and bucket list destinations and adventures! Who wore it better? Manhattanhenge or Andrew's Homehenge? Looks like most millennials have a 50-50 shot of seeing Halley's comet in 2061. Will Andrew re-evaluate his death age again in light of this knowledge? We share our own bucket list destination goals: Balloon fiesta, Devil's Pool at Victoria falls, and the Monarch Butterfly Migration. As 90's kids, it's impossible to not address 'Quiet On Set: The Dark Side of Kids TV,' which reveals the downright abusive environment of Nickelodeon live action shows through the 90's and early 2000s. In response to the popularity of this documentary, a 5th episode ("Breaking The Silence") aired this past weekend - do we feel it added anything to the documentary? And why was it arranged so... weird? What was it like to watch this as Nickelodeon kids ourselves? Does this completely taint our memories of the channel? We hope this week's recommendations inspire you to make things easier for yourself: Take a mental health day (Laura), TravelPro luggage (Pam), and signing up for a Spotify family plan in light of plan prices increasing (Andrew). And in this week's installment of After Dark, available on Patreon and Apple Podcasts: It's AMA time! We take our Patrons' burning questions about the BTS life of podcasting. Do we ever worry about someone we've talked shit on finding their way behind the paywall? Why have Andrew and Laura been saying no to a certain annual event? Some never before revealed MuggleSuck tea... Learn more about your ad choices. Visit megaphone.fm/adchoices

Diamond invites Andrew to visit her childhood with Usher's most iconic studio album, Confessions. One of the best-selling albums of the 2000s, Confessions contains a parade of classic Usher singles, including "Yeah!," "Burn," "Caught Up" and "My Boo." It's also one of the most gossiped about albums of all-time, as its revealing concept and scandalous lyrics had fans asking questions for years after it was released.What will Andrew recognize from Confessions? Will Diamond love it just as much after all this time? Will Andrew say YEAH or (my) BOO to Diamond's first official album choice for the podcast? Listen to find out!Subscribe so you don't miss an episode of At First Listen with Andrew and Diamond!

Is retirement, as we know it, dead? Should the idea of retirement itself be retired, and should we all aspire to be like Betty White? Will all those decades of toiling away for The Man (and dutifully contributing to your personal retirement savings accounts, as well as you and your employer throwing in 6.2% each of your salary to the payroll tax, a.k.a. Social Security) pay off in the end when you reach the end of your working career? Is it worth postponing "happiness" during your working years in the hopes of living a life of leisure when you're older? Joining us for this special conversation, from The Personal Finance Podcast, we welcome Andrew Giancarlo; Betty White wannabe, Afford Anything's Paula Pant; and our resident Betty White fanboy, OG. The concept of reaching an arbitrary age and stopping work cold turkey may be an illusion for many aspiring retirees, as many recent retirees find their lives lacking purpose, meaning, and (in some cases) sufficient Benjamins. The FIRE movement isn't necessarily about ceasing all productive activities, but rather achieving financial independence so that you are in control of how, where, and with whom you spend your time. We also dive deeper into how you can make up for any potential retirement savings shortfall and examine the pros and cons of Barista FIRE that can be used to supplement income needs after retiring. We'll also discuss how altering your lifestyle can affect the amount you'll need to save for retirement. In the second half of our discussion, sponsored by DepositAccounts.com, we jump into the solutions to solve the big retirement savings gap problem. What actions can you take to improve your retirement savings and quality of life, even if you're approaching retirement age? What actions can you take today that your future retired self will thank you? Finally, be sure to stick around for the next thrilling installment of our year-long trivia competition. Will Andrew help Len seal the deal for this year's W, will OG stay alive, or will Paula throw a monkey wrench in the plans? FULL SHOW NOTES: https://www.stackingbenjamins.com/retirement-planning-mistakes-and-solutions-andrew-giancola-1449 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.StackingBenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

It's another episode!!!!! Of our show!!!!! Yeah!!!!!!! The gang is IN IT in this one. They just left that super spooky dragon Corpheus who made them promise to spy on Neznar (who they don't like, so it's cool) and find out who's making portals to other realms, also where and why and how and what. Our bumbling adventurers follow the secret path Corpheus opened up for them just to then end up in battle with some Goblins!!!! It's episode 1 all over again! How will the gang make it out this time? Will Andrew's thigh be ok? Who will do the cleverest quip? Tune in to find out! Don't change that dial, it's time for DUNNNGEEEOONNNN RRAAADDIIOOOO HOOUUURRRRRR::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::Our DM is Dalton RiddleOur Players are Andrew Gehrlein, Michael Adair & Alissa AdairTheme song by Dustin HookSound effects from Zapsplat and PixabayBackground music by Pixabay and Nerdius MaximusPlease check out our Instagram, Twitter, TikTok, AND NOW PATREON on our linktree to keep up with the latest DRH news! https://linktr.ee/dungeonradiohourBye for now~Support the showSupport the show

Welcome back to the the Deep Dive format, where Brandon will bore us about the Star Wars Special Editions related in 1997! Will Andrew survive?Like the show? Leave us a 5 star review and subscribe!Send us a tweet at @Namely90s  Discuss the show on Instagram @Namely90s  Find us online at Namely90s.comConsider joining our Patreon at Patreon.com/Namely90sFollow Brandon on Twitter at @bschwittyFollow Andrew on Twitter at @NamelyAndrewSources:https://en.wikipedia.org/wiki/Changes_in_Star_Wars_re-releaseshttps://starwars.fandom.com/wiki/The_Star_Wars_Trilogy_Special_Editionhttps://starwars.fandom.com/wiki/List_of_changes_in_Star_Wars_re-releaseshttps://starwars.fandom.com/wiki/The_Star_Wars_Trilogy_Special_Editionhttps://www.youtube.com/watch?v=obumGmfRHucOutro:Pixelland by Kevin MacLeodLink: https://incompetech.filmmusic.io/song/4222-pixellandLicense: http://creativecommons.org/licenses/by/4.0/

Welcome! To another amazing episode of Dungeon Radio Hour, where 4 of out 5 dentists are confused why you're asking them about their podcast viewership. In this week's episode, our gang says goodby to Les Paul and the town of Thundertree, as it seems they narrowly missed Dalton's capture there by the evil Neznar. Now they continue their quest onward, hoping for another clue as to Dalton's new whereabouts. But this time they'll need a diguise! They also find a strange seer, who may have some answers to their persistent questions. Will they be guided on the right path? Will they succeed in their deceptions? Will Andrew get a new pinkie toe???? All this and less in the next episode of DUNNGEEOONNN RRAAADDIIIOOOO HHOOOUUURRRR ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::Our DM is Dalton RiddleOur Players are Andrew Gehrlein, Michael Adair & Alissa AdairTheme song by Dustin HookSound effects from Zapsplat and PixabayBackground music by Pixabay and Nerdius MaximusPlease check out our Instagram, Twitter, TikTok, AND NOW PATREON on our linktree to keep up with the latest DRH news! https://linktr.ee/dungeonradiohourBye for now~Support the show

Episode 584: Puke is back from a trip to Niagara Falls. How tall? How wide? How many family? Who Superman? Andrew's Grandpa just wants to be left alone. Brett eats Len & Larry's. A trap was set for Puke's mother. Will Andrew buy a new car? Gabriela is a having a party and it's going to be awkward. Big ladies on rope swings. Extreme Skip-It. Boats. Horse balloons.

Heelllooooo there listeners!!! Dungeon Radio hour is back with another episode! We've really been cranking them out lately. Probably just excited since we are ONE YEAR OLD!!! Can you believe it? And things are picking up, story-wise (finally!) Our DM Dalton utilizes his NPC's to the fullest to keep this group of distracted heroes on track. They've finally found where Neznar was keeping Dalton held, but he escaped!!! Will they find out where he went next? Will Andrew use his ranger clues to suss out Dalton's whereabouts? Will Mike smell Dalton on the wind like an eager pup? Tune in this week for the freshest new ep of DUNNNGEEEOOOONNN RAADDDDIIOOOO HOOUUUURRRRR.Special shoutout to Oakley's Nerd Nook, our new sponsor who you'll hear more about in this episode! Go check them out at https://www.oakleysnerdnook.com/ and gaze in awe at their hand-crafted, one-of-a-kind dice towers and boxes! These things are solid wood and the lids double as a dice tray!::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::Our DM is Dalton RiddleOur Players are Andrew Gehrlein, Michael Adair & Alissa AdairTheme song by Dustin HookSound effects from Zapsplat and PixabayBackground music by PixabayPlease check out our Instagram, Twitter, TikTok, AND NOW PATREON on our linktree to keep up with the latest DRH news! https://linktr.ee/dungeonradiohourBye for now~Support the show

Jason Evert of the Chastity Project joins to discuss his new book Male, Female, Other?, which addresses the current state of gender theory in our culture. He goes into great detail about how to address the problems in the ideology, but more importantly he provides insight into how to lovingly speak and listen to someone struggling with gender discordance, not as an advocate, but as a child of God. Later (18:55), Kara joins in advance of Pixar's new film Elemental to talk about another Pixar movie, one that has a lot to say, both true and misleading, about the human person: Inside Out. Will Andrew be able to restrain his philosophical finger-pointing to recognize the positive elements? Only one way to find out! Episode Notes

Jason Evert of the Chastity Project joins to discuss his new book Male, Female, Other?, which addresses the current state of gender theory in our culture. He goes into great detail about how to address the problems in the ideology, but more importantly he provides insight into how to lovingly speak and listen to someone struggling with gender discordance, not as an advocate, but as a child of God. Later (18:55), Kara joins in advance of Pixar's new film Elemental to talk about another Pixar movie, one that has a lot to say, both true and misleading, about the human person: Inside Out. Will Andrew be able to restrain his philosophical finger-pointing to recognize the positive elements? Only one way to find out! Episode Notes: https://www.marriageuniqueforareason.org/2023/06/09/ep-115-jason-evert-on-gender-theory-plus-inside-out-part-1/

THE GREAT BELIEVERS by Rebecca Makkai / LAPVONA by Ottessa Moshfegh On this week's show we welcome back an old friend, with Ottessa Moshfegh's medieval styling, LAPVONA, as well as welcome a brand new player with Rebecca Makkai's sweeping novel, THE GREAT BELIEVERS. Will Bailey find another five star read? Will Andrew take a field trip for the show? Will Toby ever finish Infinite Jest? Should we replace Dillon? The answers to all of these questions - plus a healthy helping of scrapple - await you!

Brian and Jason talk about the Andrew, Ency, Jessenia, Teddi love quadrangle. The uselessness of Jesse Palmer. The pointless appearances of Rachel, Gabby, Becca and Thomas. Is Kate 41? Will Andrew one day commit a murder and why is there Wells?*a podcast about The Bachelor, The Bachelorette, and of course, Bachelor in Paradise*Support this podcast at — https://redcircle.com/the-bachelor-lifestyle/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

With James having ejected to safety before the rocket crashed back to Earth, Andrew and Dave find themselves in Italy and looking at Ripley's Game, Liliana Cavani's 2002 adaptation of the Patricia Highsmith novel of the same name. Will the podcasting duo enjoy the film, or will it be rejected when compared to the prior adaption of the book, The American Friend? Does it have anything to do with that other Tom Ripley film from 1999? Why does Barry Pepper come up so much? Will Andrew or Dave be able to find anything nice to say about Dougray Scott's work in the film? Tune in to find out!Next Episode: "Julia Roberts and John Malkovich in a horror film together? In no way does that sound like an extremely expensive bomb-to-be!"Al music by Andrew Kannegiesser. Editing by Dave Babbitt

The Celtics were once a common pick for NBA Offseason winners. But now, after a torn ACL for Danilo Gallinari, knee surgery for Robert “Timelord” Williams, and coach Ime Udoka suspended for the season for violations of team protocols, the aura surrounding the team has changed drastically. Andrew and Sam discuss. And… did we overrate the AFC West? Will Andrew's “Year of Russ” turn around? Andrew has the Lions winning the NFC North? All that and more in this episode. So sit back, relax, and take a seat… Courtside.   0:00 - Celtics situation 15:45 - AFC West update 27:20 - Andrew's “Year of Russ” 31:00 - NFL storylines spitballing 1:00:00 - Sam's Send-Off by Sam   Recorded Monday, September 26, 2022.    Twitter: https://twitter.com/TheCourtsidePod Instagram: https://www.instagram.com/thecourtsidepodcast/   Podcast Description: Andrew Cohen is an “athlete” best known for his money 3-point shot, killer slice forehand, and natural charm. In this show, he breaks down the day's biggest storylines, investigates compelling sports trends, and does his best to avoid coming off as a massive sports nerd. No hot takes here, just smart takes.

What do podcasts bring to the tattoo world? What to do with haters? Will Andrew produce Nick's new career into the videoverse? And will I ever try Nick's power barbecue?    I sat with Andrew Stortz and Nick Swartz, hosts of the two best tattoo podcasts around, to answer these and other deep philosophical questions.  Find Nick's podcast on Instagram and Spotify Find Andrew's podcast on Instagram and booksclosedpodcast.com

What's up, fellow humans! Alissa, Mike & Andrew are back! Now on a search to make a little dough, the gang finds themselves at The Boar's Head Inn (no relation), a seedy little dive full to the brim with games of chance and every manner of mythical creature one could imagine! The tavern is owned by this dwarf (is that okay to say still? Doesn't feel right for some reason....) named Jolly. She's a bearded little gal with a penchant for the ominous. And it seems like she's got a job for our heroes that could prove perilous! Will the fates be with our travelers? Will they earn enough money to enter the Yawning Portal? Will Andrew ever reach puberty and grow a respectable amount of body hair??!! Tune in this week and find out on DUNGEON RADIO HOUR!!!!!::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::Our DM is Dalton RiddleOur Players are Andrew Gehrlein, Michael Adair & Alissa AdairEditing by Alissa & Michael AdairTheme song (both old and new!!) by Dustin Hook (so talented)Please check out our Instagram, Twitter and Tiktok @dungeonradiohour to keep up with the latest DRH news! bye for now~

Andrew Stallings is the Founder and President of Athelo Group. Athelo is a combination of the words Athlete & opportunity – and finding opportunities for athletes is exactly what Andrew is doing. He is managing athletes from niche sports, such as motorsport and extreme sports. He has had his fair share of hurdles on the way, but he made it anyway! Key Learnings: - Do you need to be a lawyer to managed athletes? - Will Andrew buy a Greek icehockey team? - Who will play Andrew, if there is ever a movie about his life? - His passion for ice hockey - How it was like being fired, on a voice mail, ON HIS HONEYMOON. And MUCH MORE! ________________________________________________ SPONSOR Insport Education  Course list --> HERE The code gives you 10% ANY course offered. Discount code: sportsmanagementpodcast10 ________________________________________________ Follow us on social media Instagram Twitter LinkedIn YouTube www.sportsmanagementpodcast.com   

This week Andrew and Johnny are tiering childhood cartoon theme songs. Will Andrew and Johnny agree on each one, or will They have some significant disagreements? So do you agree or disagree with them?

With the heartaches and betrayals from the Casa Amor experience, our islanders are trying to make amends for misdeeds as well as get back on track with their Casa Amor choices. Will those choices bite them in the long run? Will Jaques' shenanigans fly under the radar? Will Andrew get the tit out of his mouth long enough to fix him and Tasha? All of this and more on iTV's juggernaut Love Island tv show's premiere American podcast: Fanny Flutters with A and J. 

Andrew, a high school math teacher from Long Branch, is ready to take on Bernie in today's game! Will Andrew solve the equation or will Bernie teach him a lesson? Learn more about your ad choices. Visit megaphone.fm/adchoices

IN THE DREAM HOUSE by Carmen Maria Machado & THE WITCH ELM by Tana French   This week, two popular authors make their To Read List bows! Andrew reviews Carmen Maria Machado's powerful memoir, IN THE DREAM HOUSE, and Bailey digs into Tana French's THE WITCH ELM. Will Andrew like the unique structure of Machado's work? Was Bailey captivated by the mystery? Find out here! Plus, we dissect the proper way to choose your own adventure, celebrate Independent Bookstore Day, and start a new squad!

Dana Wilkey joins Andrew in The Ivory Tower Boiler Room with all of her Gossip and Reality TV expertise! Dana is the host of the podcast and Patreon, Dishing Drama With Dana Wilkey and DecaDish Gossip, her exclusive YouTube channel. Dana is a former Real Housewives of Beverly Hills cast member and with her Housewives insider knowledge she appeared on both The Housewife and the Hustler and The Housewife and the Shah Shocker (streaming on Hulu). Why does Dana call herself the rebellious Bravolebrity? She indulges Andrew by breaking down her Real Housewives of Beverly Hills scenes and reveals the behind the scenes of her time on the show. Dana reveals why she bought those $25,000 sunglasses and the psychology behind her materialism and why viewers labeled her "pretentious." She explains her thoughts when Brandi Glanville was accusing Kim Richards of doing drugs in Dana's bathroom. And what would Dana do differently if she went back on Beverly Hills now? She then opens up about being an LGBTQ+ ally and a teaching moment that happened with SaraJane Warner. She explains why having difficult and open conversations is much more important than shutting down a conversation you disagree with. Andrew of course expresses his flirtation towards Dana's producer, Casey Hanley. Is there a potential new love interest for Andrew, only time will tell? Will Andrew get to meet Dana and David Yontef in the Hamptons this summer? He is definitely manifesting it! Follow Dana on IG, @wilkey_dana, and Twitter, @Danawilkey. Dishing Drama with Dana Wilkey podcast: https://podcasts.apple.com/us/podcast/dishing-drama-with-dana-wilkey-uncensored/id1545830343 DecaDish Gossip with Dana Wilkey (YouTube channel): https://www.youtube.com/channel/UCqIitTc4lKzO6h0ousOTEng Check out Dana's new merch which includes her infamous quotes "Did You Know? $25,000" and "I Drink A Lot And I F*ck A Lot...And I'm Ok With It"! https://represent.com/store/dishing-drama-dana-wilkey Follow Ivory Tower Boiler Room on Instagram, @ivorytowerboilerroom, TikTok, @ivorytowerboilerroom, and Twitter, @IvoryBoilerRoom! Email us at ivorytowerboilerroom@gmail.com. We love hearing from you about the podcast and are always interested in interview suggestions. Many thanks to the Ivory Tower Boiler Room podcast team: Andrew Rimby, Executive Director; Mary DiPipi, Chief Contributor; Ceren Usta, Marketing Director Podcast Interns: Nicole Arguello and Kimberly Dallas --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/ivorytowerboilerroom/support

March Madness has arrived and we are filling out our bracket on today's episode! But curveball, we aren't choosing which basketball teams we think will win this year's tournament; instead, we've picked out 32 various Hawaiian activities, adventures and locations and pit them up against each other to determine what is the ultimate Hawaiian thing to do if you are planning a trip to the Aloha State. We've invited new friend of the pod Zeke to join us to ensure we don't have any ties and he has plenty of knowledge to share from his time living on the islands. This is the last episode of our Hawaiian mini-series before we head back up to Alaska so mahalo for allowing us to scratch the surface on what makes Hawaii such a special place. Will Andrew ever be able to get along with vegetarians? How does the sunset work with the flat earth theory? And what will be the biggest upset of the bracket? It's the episode you'll plan your next trip around! Hawaiian Beer of the Week: El Guapo Golden Ale by Honolulu Beerworks [https://www.honolulubeerworks.com] Music By: Blackwater Railroad Company [www.blackwaterrailroad.com] and Scott Buckley [https://soundcloud.com/scottbuckley] Support Us on Patreon: [www.patreon.com/thelastfrontier]

March Madness has arrived and we are filling out our bracket on today's episode! But curveball, we aren't choosing which basketball teams we think will win this year's tournament; instead, we've picked out 32 various Hawaiian activities, adventures and locations and pit them up against each other to determine what is the ultimate Hawaiian thing to do if you are planning a trip to the Aloha State. We've invited new friend of the pod Zeke to join us to ensure we don't have any ties and he has plenty of knowledge to share from his time living on the islands. This is the last episode of our Hawaiian mini-series before we head back up to Alaska so mahalo for allowing us to scratch the surface on what makes Hawaii such a special place. Will Andrew ever be able to get along with vegetarians? How does the sunset work with the flat earth theory? And what will be the biggest upset of the bracket? It's the episode you'll plan your next trip around!Hawaiian Beer of the Week: El Guapo Golden Ale by Honolulu Beerworks [https://www.honolulubeerworks.com]Music By: Blackwater Railroad Company [www.blackwaterrailroad.com] and Scott Buckley [https://soundcloud.com/scottbuckley]Support Us on Patreon: [www.patreon.com/thelastfrontier]

Alice Levitt shares her weekend dining recommendations. Steve Buckhantz on sports. Will Andrew the kid break up with Don? Unseen movie reviews. Be sure to subscribe.

We hope you enjoyed Part 1 of our chat with Andrew from Urban Herbs. Here is part 2, prepare for more great stories and tangents... and to be inspired! The weekly podcast that talks all things food growing with those doing amazing things from across the UK and the world. Every week we deliver you a podcast that interviews a fantastic food grower that is doing things differently, inspirationally or that has an awesome story to tell. In this episode we are delighted to have Andrew from Urban Herbs to chat to and talk about all things Herb growing and being Herb Geeks... We talk about: Different and strange varieties of herbs Many tangents and inspiring stories How completely re-starting your garden can be super fun How ordering herbs has bonded a Husband and Wife with health issues How herbs, food and growing connects people The way that smells and tastes bring people together Tips for growing herbs How thriving herbs show us what to eat Pivoting small businesses and going all in How work can really fulfill you So so so much more Plus the all important quick-fire questions of course…. Will Andrew be #teambeer or #teamcoffee ??? This is a podcast that will hopefully inspire and inform you whatever experience you have… from aspiring grower, to casual allotmenteer, right through to fully fledged market gardener. We will be talking everything from no-dig to permaculture, mushrooms to marketing. We are your hosts Chris from Fanfield Farm and Jack from Jacks Patch and we will be bringing you an inspirational interview, some tips and tricks from our own farms as well as the fun feature of quick fire questions that we ask every guest…. Obviously including whether they prefer an evening farm beer or morning farm coffee!! Show Notes: https://urban-herbs.co.uk/ (https://urban-herbs.co.uk/)  https://www.instagram.com/urban_herbs_/ (https://www.instagram.com/urban_herbs_/)  For all things Food Grower podcast; including upcoming blog posts, additional content, guest opportunities and food grower merch, head over to our website at https://www.foodgrower.co.uk (https://www.foodgrower.co.uk)  And please do pass on to anyone in your life who grows food either for fun or funds… You can listen to this podcast completely free, anywhere you normally get your podcasts from. And for more Food Grower Content head to our instagram account https://www.instagram.com/foodgroweracademy (https://www.instagram.com/foodgroweracademy) to interact with us and get updates each week on episodes, additional content, or just to have a chat. Don't forget to hit the follow button on instagram, and the subscribe button on your podcast app. We hope you enjoy the podcast! Fun and different herbs mentioned: Blackcurrant sage Hot and Spicy Oregano BBQ Rosemary Vietnamese Coriander Pineapple Sage Cola Plant Lime Mint Mushroom Plant And more..

The first episode of The Podcasting Guild is live! We don't know what we're doing, but join us anyways as we take a look at the Babylon 5 pilot episode The Gathering. Will Andrew like it?! Will there be a second episode of The Podcasting Guild?! Who knows?!

We are back once again to talk about some NBA action. Which teams after the first few weeks intrigue us? Is Tall Ball real? Will the City Jerseys ever fully please us? Will Andrew ask a trivia question that no one should ever know? All of this and more on this episode of From Way Downtown. Drive and Kick (51:14). Wild and Wacky NBA Trivia (1:15:36).  Check out Instacart and save yourself a trip to the market:http://instacart.oloiyb.net/XxyGjgSupport the show (https://www.buymeacoffee.com/fwdpod)

In this episode, we cover: 00:00:00 - Reflections on the Episode 00:03:15 - What is Mortgage Servicing 00:13:20 - Impact of the Great Financial Crisis  00:18:40 - Andrew's Background 00:24:10 - Valon's Technological Innovations  00:31:06 - Relationship with the Consumer  00:36:00 - Regulations and Regulators  00:40:40 - Valon's Future/Outro Links:Website: Valon TranscriptJason: Welcome to the Perfectly Boring podcast. Today we have Andrew Wang, CEO of Valon, on the show, and today we're taking on the topic of mortgage servicing. So quickly, what is mortgage servicing?Well, a mortgage is obviously a loan for a home. And mortgage servicing is the institutions that actually take care of paying off that loan over the 10-, 20-, 30-year timeline. So, that digital interface where you pay your bill, et cetera, that is not always your originating bank. And Andrew is building a fascinating business in this space. We learned a lot about the mortgage, the evolution of the mortgage servicing space over time, the impact of the great financial crisis, and the interesting approach Valon is taken, not only just with technology, but changing the relationship with the end customer. So, what were some of the interesting touch points that we got during the conversation, Will?Will: It was a really wild discussion because I started with a fairly preliminary understanding of what mortgage servicing was. And in part of the wind up that listeners are going to get an opportunity to hear, Andrew really gives us a perspective as to how critical mortgage servicing is to the underlying health of the US, and therefore global, economy, and how much of an afterthought mortgage servicing has historically been, and why that should not necessarily be the case, and why now is the, sort of, unique moment in time to be able to use advanced technology and a reorganization of the overall stack for mortgage servicing to bring a better product to market for both consumers, for originators, for investors, and for regulators. And so, I mean, really badass discussion, really cool company, a space most people never think about, definitely a boring space, but with a just immense amount of value to be created.Jason: Yeah, and hopefully our listeners go through kind of the same increase in excitement that I had during the conversation, which is you kind of over time just realize this entire industry of mortgage servicing, not only is it critical, but how much they're missing the actual point which is, if you really just focus on the homeowner and creating a great experience for them, this is a huge relationship, it's a multi-decade relationship, and there's probably not just one product you can offer them. But they're stuck in the staid and stodgy technology of yore, and haven't been able to move as quickly and break through to open that aperture and open that relationship with their customer. So, before we get too deep into the weeds, let's just jump into the interview. Here's Andrew.Will: Andrew Wang, founder and CEO of Valon, thank you for being on the podcast with us today to talk about the very boring, very large industry of mortgage servicing. For the benefit of our listeners, it would be good to start at a really high level and give people kind of a baseline for what mortgage servicing is, and maybe a little just on the history of the mortgage servicing industry, you know, before we dive in a little bit on the specifics of your background and Valon.Andrew: So, mortgage servicing is a sort of pervasive thing that exists throughout the mortgage ecosystem and in the lives of most American homeowners, but it is also just not very well understood in terms of the dynamics that are involved with mortgage servicing in terms of who's involved, how they're involved, and exactly what they do. But again, nonetheless, it's something where it's within every part of the mortgage ecosystem today. But to give you some background on mortgages and how mortgage servicing even is a real thing, let me first talk about the mortgage industry as a whole. When you think about the mortgage industry, it's obviously a very large component of the American economy today. When people look at it, they say, “Hey, 20% of GDP in terms of housing,” something that the US government often uses in order to boost spending; they lower our mortgage rates in order to cause people to have more savings and then spend on other things. It's just a very, very core piece of the American ecosystem.But it actually came into play really, during the depression, the Great Depression, were effectively pre the Great Depression, mortgages weren't really regulated all that much, and as a result, there were kind of weird, funky structures, even crazier than what people saw in 2007. And as a result of that and as a result of all these people who weren't able to pay their mortgages due to these balloon loans being in place, which are basically loans that don't amortize, and basically become due and payable at a certain point in time, what the US government did as a function of the New Deal was put these government institutions into place to create more affordable housing structures, to create these institutions who would really regulate the housing market, or really add liquidity into the housing market so Americans could actually own a home.Will: And that kicked off the current, almost philosophical ideal that we have today about homeownership kind of being the epitome of the American dream. This was—the mortgage was almost an invention to bring that to fruition after World War Two?Andrew: That's exactly right. So, after World War Two, it became more and more core to the American dream. When everybody talks about, “Hey, what is the American dream?” It's obviously being able to get further in life based on your own merits, it's about owning a home, and starting a family, building a community, all of those different things, and the home is just so central to that dream. But exactly to your point, it started from post-World War Two.By the 1990s, it became such a large component of how the US economy even functioned and worked that there was more and more so this focus on affordable housing, putting people in homes, putting people in sort of a structure that creates the ability, creates stronger communities, and create a more robust ecosystem within cities, within neighborhoods, and everything else. So, that's how mortgages became so intertwined in the American system versus, you know, other countries, which may have relatively high homeownership rates, but just not nearly as high as the United States. That's, like, the genesis of how mortgages became a big component of it. The mortgage servicing aspect of it actually wasn't as relevant of a thing, that became more of a thing, actually, after the great financial crisis, the GFC. So pre-2008, what ended up happening was actually that most people when they got a mortgage were serviced by the same people who gave them that mortgage. So, you had Countrywide, you had some of these older institutions which have since gone bankrupt or have been acquired by more older financial institutions, servicing the mortgages. So, it wasn't really a separate thing, for the most part, at that point in time, and it wasn't really an important topic, actually.Jason: Before we go too deep, maybe you can define servicing. Like, how does that show up in the average American's life? What is servicing when it comes to an individual?Andrew: So, mortgage servicing specifically is what happens right after you get a new mortgage. So, when you get a new mortgage, you go to your originator. It can be someone who works at a bank, it could be mortgage broker that is a family friend of yours, it could be someone on Main Street who has a sign out that says, “I'm a mortgage lender. Come inquire about rates.” Once you get that mortgage from them, you have to make the payments back because you've got the mortgage to buy your home.That entire process of making those payments and the institution that you make those payments towards, that is the mortgage servicer. Now, when you look at that very simply, that is similar to a debt collection agency where you're effectively making payments, they're collecting on the debt and they're making those payments back to the person who made that mortgage. Now, what's actually more complex about mortgage servicing, as opposed to normal general debt collection is the fact that one, there's a lot of more regulation associated with it, right, because there is a home involved, and there's a lot of regulation around how you deal with homes; there's a second component which is, as per the government agencies and as per many state regulatory agencies, you are considered the trusted financial advisor to the homeowner along the homeownership journey. So, when a homeowner says, “Hey, I'm unable to make a payment; I need some help,” the mortgage servicer isn't allowed to just say, “I don't care. Deal with it,” they're often required to go through all these interactive processes to make sure that the homeowner can actually get the right solution and continue owning their home.Long story short, just jumping quickly back to what we were just talking about, it's really core, and part of the thesis, really, of the American economy that they want to keep people in homes, they want to keep people getting homes, increase the homeownership rate, make it part of the American dream. So, what they did was they made mortgage servicers responsible for keeping people in homes.Jason: Gotcha. And this was on the back of the great financial crisis?Andrew: Correct. Actually, it was there before but what I was trying to really get into was that pre the great financial crisis, it wasn't as really hot of a topic because homes were honestly increasing prices all the time; anyone who bought a home basically made money on their home, so just not really a big worry throughout the entire ecosystem. So, when people thought about mortgage servicing back then, it existed but it wasn't really a concern. It wasn't a focus of both regulators, politicians, really anyone in the entire ecosystem. But when the great financial crisis happened, what ended up happening was, well, people weren't able to get out of their homes, they weren't able to pay for their homes, their homes were less valuable than the mortgage that they took out.And as I mentioned just right now, the mortgage servicing process is actually also the process of helping the homeowner stay in that home. And that's why home mortgage servicing became such a large topic and became such a large focus because post the great financial crisis, it became all about making sure that people who took out these mortgages were able to put themselves in a position where they were able to keep their homes. Obviously, there was a lot of difficulty with respect to it. Obviously, there were a lot of people who were unable to actually pay for their mortgages on an ongoing basis, so there were a lot of what's called modifications, basically changes to the underlying mortgage in order to make it affordable. But that entire ecosystem really exploded both from a regulatory scrutiny perspective, from the amount of activity that was happening in it because of the great financial crisis.Jason: So Andrew, why does mortgage servicing even exist to begin with?Andrew: Yeah. So, this is one of those really long archaic, sort of, pieces of knowledge that people have to understand the ecosystem, understand the history, understand all the different dynamics before they end up realizing why it's even a piece of the entire pie. And if you look at other countries out there, like Great Britain, Asian countries where there's tons of mortgages, as well—China, Japan—but mortgage servicing as a separate concept, it's just not really a thing. So, it's really, for the United States, a concept that is tied to Fannie, Freddie, FHA, VA—which are basically Ginnie—these government institutions. So, the long story short, but still very long story, is that when the government put these different institutions in place, they created a concept where basically the underlying person who they wanted to interact with the mortgage was still the originator.So, I make a mortgage, my business isn't to hold this mortgage because the government wants to buy the mortgage and make it more liquid, and therefore more people can make mortgages, and therefore the cost of a mortgage is lower, but I still want you to be the person who interacts with the homeowner. So, I want to split this concept out. I'm going to own the mortgage, you're going to service the mortgage. And let's stick with that for now. So, that was, like, phase one of it.Then phase two of it was the fact that well, if that's going to happen, then every single person who makes a mortgage needs to be able to service the mortgage, so that's not fair to mom and pop shops across Main Street. If I originate whatever, 10, 20, 50, 100 mortgages a month, I'm not going to be at a place or a scale where I can run a true mortgage servicing operation. It just doesn't work. So, how am I going to deal with it? So, the government, again, to try to incentivize mortgage lending to incentivize liquidity in the space, said, “Fine. You can sell that servicing to another guy who then will deal with the relationship.”And boom, thus mortgage servicing is born, the idea of mortgage servicing is born, and this entire ecosystem then diverges. And really, not just diverges, it converges really to an efficient model of saying who is the best at mortgage servicing? Who are these cheap cost providers who are in the Midwest, who do it poorly, but thus can pay the highest price for mortgage servicing, and thus that's where all of the capital and all of the assets, sort of, flow? And that's why we live in the world we live in.Will: So, servicing is kind of an afterthought for the majority of the existence of a mortgage industry at large. Until, '08, '09. In '08, '09, everybody starts fixating on the servicing process as what it should always have been looked at, which is this really critical interface between the borrower and the lender, to a degree. And as a part of all of the regulation and the ongoing focus on servicing during that period of time, as we almost reworked the entire housing market, the cost to serve as a mortgage also changed a lot. Maybe you could just touch on that because there are a lot of compliance and regulatory framework aimed at servicing actually dramatically increased the complexity of doing servicing, which I think had a pretty profound impact on the cost to do so, right?Andrew: Yep. So, to elaborate further on these points that you're mentioning, the mortgage servicing ecosystem was really underdeveloped, both from one technology perspective as well as an understanding perspective, pre-2008. Again, people were not really afraid of being able to pay mortgages because naturally whenever you couldn't, you just sold your home and you probably made money on it. So, it's debatable as to whether or not [unintelligible 00:14:48] people are fully compliant back then whether the cost of servicing would be higher, but nonetheless, it is based on the data that people can see in the financials of mortgage servicing companies. Mortgage servicing became extremely expensive and really double, tripled in costs post-2008.And the way that it played out was basically the great financial crisis happened; people were unable to pay their mortgages; the traditional way would be to just put people out of homes, and as I mentioned earlier, the government's very incentivized to keep people in homes. And in order to make sure that the servicers were doing the right things, they basically put a bunch of different regulations both on the federal level and the state level to ensure that mortgage servicers were following the right processes in order to determine whether or not someone could make a payment for the mortgage, make sure that they're offered the right plans, and to make sure they were provided the right disclosures before they actually got through a process of foreclosing. So, when they put these regulations in place, normally you would think, “Well, these things can be somewhat automated. These things can be provided as part of the process.” But as I mentioned because it was so under-focused, there was just really not that much technology in the space, really not that many technological providers even involved in the industry.There's one main one, named Black Knight. So, when this all happened, these servicers went to Black Knight and basically asked them, “Hey, well, we are running into these issues. Can you help us?” And the answer was, quite frankly, “We will try, but we can't really guarantee all that much to you because there's a lot of changes, there's a lot of code that needs to change, and we just can't get it all done that quickly.” So, the only way that the mortgage servicers could handle these different regulatory requirements was basically to put people in place.You basically replaced what you would like to use, or what like to get done with technology, with people. So, you basically have this explosion of people cost in the number of people required to service a mortgage, and basically got to a place where today, there's two to three times as many people who need to be involved in a mortgage, versus pre-2008.Jason: What does the actual structure and distribution of mortgage servicers look like today, and how has that changed since the great financial crisis?Andrew: It's one of the things that honestly, the government focuses a lot on. There's a term, which is systematically relevant of financial institutions. So pre-2008, like I mentioned, there wasn't really that much of a concept of mortgage servicing. There were mortgage servicers out there, but most of the servicing was still held by the originators who made the mortgages. So, as a function of that, the ownership and really the people or entities that were servicing the mortgages was distributed quite similarly to the origination volumes.The guys who made the mortgages were the guys who serviced the mortgages, and as a result, there was a good split between bank who were very involved in mortgage space, as well as non-bank entities became more relevant, you know, probably post-2005. Today, we've gone into a world that is more and more non-bank-oriented, meaning the regulations have stepped up to such a dramatic degree that the underlying institutions who were originally involved had really substantially changed. I'll give you some simple examples. CitiMortgage, one of the largest originators previously, still a very large originator probably top five, now no longer services its own mortgages. It's completely outsourced—I think as of 2017—all of their mortgage servicing to Cenlar.Similarly, US Bank is no longer servicing their mortgages. The folks at JPMorgan Chase, Jamie Dimon has, you know, publicly stated that they want to get out of this business and they've been working with other sub-servicers to slowly migrate to a place where they're not servicing their mortgages anymore. So today, you are in a world now, where it's basically 70% non-bank dominated versus pre-2008, we were in a world that was probably 70% bank dominated.Jason: You're painted a really stark picture of an increasingly disjointed, highly regulated, under-digitized, mortgage servicing market. This sets the table really well, I'm sure, to start to talk about how you're changing those dynamics with Valon. But before we dive into the company, maybe you can give us a bit of background as to how you personally got involved with mortgage servicing to begin with.Andrew: I like to coin—or use the term that I am an accidental operator because my background is actually on the investment side. I started out, really, in my career focusing on investing in some of these legacy mortgages. So, my first job out of college was working at Goldman. I was on what's called the short-term products [unintelligible 00:19:24], did some stuff with mortgages, I did some stuff with aircraft, but I quickly moved over to a Soros Fund Management where my primary job was actually to look at mortgages. So, I started out actually looking at the legacy, what's called non-agency residential mortgage-backed securities, and looking at the data underneath and seeing what was going on with these mortgages.Naturally, as with much of the market, we went from buying these securities to a place where we started buying the underlying home loans, the actual mortgages as opposed to the securities that you can buy on an exchange. And as a function of that, I ended up having to work with the servicers because when you buy the whole loan, unlike a security where everything's packaged up for you, you don't have to think about the accounting, the servicing, whatever else, when you buy the whole loan, you have to go find the guy who's selling the whole loan, you got to understand what he's doing, so he's not selling us stuff that you didn't want to buy, he's running the processes the right way, and you also have to go work with the servicer to actually get the servicing to happen, because it's a licensed activity. So unsurprisingly, the way I got about it was I started calling all my friends who had owned whole-loan portfolios before, and I asked them, “Who do you guys work with? Who should I be talking to you?” And the answer was, very simply, “They all suck.” Like, nobody likes your servicer.Now, you would think that would be an answer purely from one perspective, one angle like it'd be the perspective of an investor, maybe they charge too much. But it turns out it's because they aren't liked by the consumer, extremely low NPS scores of on average about 16; they aren't liked by their investors, they're extremely commoditized and extremely poor customer service, and they're most certainly not liked by the regulators who just keep fining them over and over again. You search mortgage servicing [unintelligible 00:21:07], you basically have, like, thousands of pages about this. And it's still even happening today. And it's not even entities that, you know, are foreign and pretty small and not understood; it's even large institutions like Citibank which is—like I said—why they got out of mortgage servicing.So naturally, my view on it was, well, this seems like something that technology can solve. This is something that we should be able to do better. This seemed insane that in the 21st century, that we're still dealing with this type of stuff. But as you start to dig in more and you start to pry into the actual underlying business, you start to understand both the complexities from an execution perspective and the actual underlying technological challenges. So, I ended up trying to find a couple of venture companies to invest in to go do this, but I actually couldn't find anyone who had the right idea, the right setup, the right vision in terms of how to build this company.So, you know, I went about my way, kind of left this on the side, and focused on other things at the time. But actually came back to it when I started looking at mortgage servicing rights which, at the time, I didn't understand nearly as well because I bought what are called whole loan mortgages, this entire mortgage. Mortgage servicing rights are basically the contractual relationship between the person who owns the right to service the mortgage—like I said, to collect, to interact, to really deal with the data of the mortgage borrower—and the person who actually services the mortgage. So, it's the contractual right that allows you to sub-service a mortgage out. What's interesting about that is that is basically a way to own that relationship and contract that relationship long-term.And for me, as someone who had started looking more and more into FinTech, the way I sort of saw it was, here is a way and here is an asset class, and here's a space that actually allows the mortgage servicer to own these relationships and do have these long, sticky monthly engagement type relationships that they can have over 7, 10, 30 years. And that's a very unique thing to have. More importantly and most interestingly, it's in a situation where actually in this ecosystem, people pay you to own that relationship, people pay you monthly fees to say, “Hey, actually work with the borrower. Hey, actually interact with them, help them find what they need, whatever else, and we'll pay to do it, and you're allowed to market additional things to them.” So, to me, that seems like such an interesting situation because not only can you have a business that is built to really improve the margins of the business and build automation around it, but you have this sticky relationship with the homeowner that you can really use to build trust, and really sell future financial products to.And that just seems like a very interesting business in my mind. So ultimately, I decided, hey, investing is interesting but this seems like too big of an opportunity to give up. So, I decided I wanted to go start a business, and this was the business I started, you know, right after.Jason: And one of the most interesting things to me is that it's not just a software component, right? Because you had looked at a number of other software providers and decided to do something a little bit more full-stack, which we don't typically see in the venture space. People tend to just want the software component and tend to steer clear of the services component. Maybe you can talk a little bit about why you still decided to include services as a part of what Valon offers.Andrew: There's an understanding amongst most venture investors that you want to be in the software business because it has a high margin business, it's defensible business, and it's less subject to changes in terms of margin profile because of the large amount of margin you have. Which, you know, is understandable. And that's ultimately actually where we thought we were going to get to, until we dug into and, sort of, operating this business, the actual origin of starting a mortgage servicing company as opposed to just the technology company was the fact that we realized that existing players were hamstrung by their current software in such a crazy degree that they weren't even able to migrate off of their existing systems to a new system. It's also a super-regulated space so anybody who wants to do it, wanted or needed to see clear performance, clear audits, really regulatory buy-in before they even made those things. So, it actually started out originally as an execution [ploy 00:25:31] where we said, “Well, we can execute faster, we can learn faster, we can dogfood our own product so much faster, and come back to people later on once we've been able to show these numbers.”But as we started doing this business more and more, we began to further understand that there's actually a really, really great opportunity running the mortgage servicer because you have that direct customer relationship. And that's such a valuable thing because even if we had automated all of the backend processes and even if we were focused on just making these margins more efficient, it's not really fundamentally changing how the borrower perceives it. It's changing the financial profile of these businesses. And additionally, a lot of the things that we wanted to do was build trust, and that's a front-facing thing; that's something that you need to be invested in as a business, which a lot of the existing mortgage servicers didn't have that perspective and that view. So, for us, it became more and more of a consumer story versus an enterprise SaaS story where we can say, “Hey, not only can we get this cash flow machine by doing servicing well and build really good software around it, but we can really build a great partnership with the homeowners that are being serviced by us and really build longer-term relationships with them.” So, that's where I think the turning point change from, “Hey, we're doing this out of necessity,” to, “Hey, we're doing this because we think it's the best thing we can be doing for people.”Jason: I love also that because the existing system isn't able to migrate off, their slow and outdated solutions and they're a highly fragmented space, it's effectively a commodity; you can come in, build a whole new tech stack, still put humans against the problem, but undercut on price. But you kind of used that extra cost as a way to broker a relationship directly with the consumer and offer a more expansive and holistic product over decades, which is a fascinating inversion of what the traditional mortgage servicing mantra and MO is. Maybe you can talk to us about how you actually convinced the originators and loan purchasers, mortgage purchasers, to trust you and your new small startup to actually service those loans? Because it feels like a difficult business to really get your foot in the door and get those initial loans through the platform so that you can build that trust with the originators and the loan owners as well.Andrew: To your exact point, it's a business that's extremely difficult to get into, [again 00:27:52], a lot of regulatory scrutiny, there's a lot of requirements to get into the business. And just name a couple here, you need—generally speaking—all 50 states licensed for you to be a quote-unquote, “Scaled servicer.” You need to have what's called agency approval, Fannie and Freddie approval, to be able to service most mortgages in the United States. So, between those different aspects, it's really hard to even get the legal requirements to be involved in this business, let alone get commercial contracts.But the way we approached this was really two-fold. The first part of it is, we were fortunate going into this space knowing that the existing players were so bad and so commoditized that actually, people were willing to work with different servicers. I'll give you a really simple example here: there's a company out there that we partnered with, it was one of our big investors, it's called to NRZ, and they're one of the largest owners of these mortgage assets. They own, like, 7% of the entire market. They own their own servicer, it's called Shellpoint.But even as an owner of that servicer, they don't actually give all of their business to their own business. And that's because they're trying to keep them competitive, that's because they're trying to diversify their risks, but the very fact that they don't give all their business to the entity that they are most financially incentivized to work with gives you a little bit of insight into how everybody thinks about this space, which is, “I'm not married to my vendor. I'm going to work with anybody who seems to be better. And there's a lot of things that are lacking, so you can try to convince me in a variety of different perspectives.” Obviously, if you've increase the bar because you've improved everything, that will no longer be the case, but today as it stands, that's how the ecosystem works.The second part of it, which is we actually went into this knowing that if we need these portfolios, we don't want to just have to convince people, we want to guarantees. So, we actually made sure that the initial investors in this company, the people who would take the benefits and the fruits of the technology that we built are some of the largest players in the space. So, we actually got folks like for example, Soros, NRZ, Jefferies, and a couple of other guys later on, to invest in the company with the belief that, “Hey, if I give you some mortgages to service and you actually are able to improve these margins, our business will be that much better off for it.” In some sense, they view this as, “Hey, this is an outsourced R&D effort. We can't hire good enough technical talent internally; we'll give you guys that through an equity investment, and if you guys win, we also win.”If you think about it as an example, NRZ spends something like, eh, on order of a billion dollars a year on servicing fees. If we can truly save them 10% on it and give that back to them—and let's say we save more than that, but we're just getting ten—well, that's $100 million a year that they're saving. And the way that their investments, or really their fund is really valued, that's a billion dollars of value that was just created. So, that's what's so interesting about this space which is, you have these players who are very incentivized for our success and we just made sure that we went to them very early on and said, “Hey, we're going to get this done. This is a very low risk for you; we're going to ask for a small portfolio, but if you give it to us and we succeed, we can both be big winners at the end of the day.” It's really about incentive alignment.Will: Andrew, I think one of the more profound things that you brought up here is that you're being paid to have a direct relationship with a consumer, a home-owning consumer, and that historically, I think mortgage servicers were happy being collection agents and not thinking about the long-term relationship that they had with the consumer, thinking about themselves as a commodity. How do you think about the relationship that you have with a consumer over the arc of your relationship with them and the types of products and services that you can start to bolt onto that relationship?Andrew: This is a really crucial point for us as a business, which is fundamentally and philosophically different from preexisting and the incumbent mortgage servicers. So today, the way people view this industry is that they view the extraction of value from the consumer as how they are still in business, the way that they generate margin. Meaning if there's a way I can extract an extra dollar from the consumer, for example, if I charge them a fee for making a payment online or for convenience, that's how they are continuing to make profits. Which is a very foreign and crazy concept, obviously, for people who are in venture and tech, et cetera. We take the approach that we want everything that we can do to make the consumer happier.a happier customer and investment towards making their experience better is how we actually make money. Because if you remember, at the outset, we don't actually make money from the consumer directly; we make money from servicing mortgages. And to us, the most efficient way to service the mortgage is a borrower who wants to use our automated products, who trusts us, and who doesn't call us with a lot of difficult questions. So, to do that, you have to really make sure you do everything right for the consumer so they are willing to trust you with that large financial ticket item that is their home. Now, I'll give you a couple of cool examples as to what you can do if you're a mortgage servicer who's really focused this way.So, really simple example; today, a lot of homeowners actually don't even use autopay, and you get a variety of different explanations. One of the really good explanations is that many people actually have lumpy incomes, so they don't really know when they'll get paid. Now, they want to use autopay, but the problem is because they don't know when they'll actually get paid, they need to make sure that they're paying when there's money in their bank. They don't want NSF fees, they don't want overdraft fees. We can use integrations with folks like Plaid to check their bank account and make sure that they have enough funds in their bank account before we pull, basically guarantee to them that you'll never get these type of fees.Now, that increases the convenience for the homeowner and allows them to put themselves on autopay, reduces actually for us the amount of times we have a call to make sure that they remembered to pay, and then overall, it actually results in a situation where we save more money and thus we make more profits at the end of the day. That's a really, really simple example.Another deeper layer you could go for example would be to tell people, “Hey, instead of just paying your mortgage through bill pay or whatever else that you're using, why don't you set up autopay and when you set up autopay will take $1 every time you use autopay and we'll actually pay it towards the next delinquent borrower.” Meaning it's a charitable donation; we're taking money out of our pockets to pay a delinquent borrower. Now, that doesn't seem like a big impact when you just think about the dollar, but when you think about the percentage of people who are current, and then people all do this, we actually can generate enough money that we can donate to delinquent borrowers. It actually reduces our overall delinquency rate and therefore our overall costs as a mortgage servicing company. That's virtually unheard of.Lower delinquency rates look better for agencies, for regulators, for investors, and we can do in a way which really doesn't take any money out of our own pockets, it just reduces costs because we're servicing with a lower friction way, but actually generates a lot of goodwill with the homeowner. Which then leads us into the second part, which is, well, we can actually cause people to stay on our platform because as the servicer, we actually can offer them the lowest rate possible. If you look at a world that we service the mortgage as well as originate, we don't care that much about making money on originations because we own the consumer, we own that relationship. And we know everything about them; we also have most of the information, so it's easily preprocessable. Which means that we can go to the homeowner and say, “You know, you're usually going to try to refinance right now, but I'll give you the best rate because I have zero marketing costs, and I just want to keep working with you.”So, you don't even need to shop with everybody else because I'm going to preload it, I'm going to give you the best rate, and you're going to have a very smooth origination process and servicing process because nothing will move off. So, you get more and more into these type of conversations around, hey, because of our relationship, because of the trust we build, we can offer people more and more products that honestly make them happier, and ultimately that will drive them towards using us more longer-term, which is exactly what we want. And that's what we find so interesting about the mortgage servicing space because while it's not understood this way today, it is the perfect setup to be in a situation where you're really building a long-term financial platform, and the mortgage is that linchpin to getting into that consumers life and really trying to build that trust relationship with them long-term.Jason: I've got to imagine the regulators absolutely love what you're doing. I'm curious if you're thinking through feeding that data loop back into the regulators because I can't imagine the regulation has gone down since a great financial crisis. I'm curious what relationship you have with the government on this front.Andrew: So, our relationship is primarily with the agencies. When you think about regulators, there are regulators who are the state regulators—they manage their own department of financial services in each state—there's obviously the CFPB, and then there's Fannie and Freddie who are called regulators, but really they're investors by and really regulate the mortgage market through their buying of mortgages. But from Fannie and Freddie's perspective, yeah, this is—you hit the nail on the head; this is exactly what they want, this is what they've been seeking for. When you look up on Fanny's website, “Hey, what is a servicer?” They literally write, “Trusted financial advisor.” That's what they want.But nobody does it today, and there's not much that they can do about it. So, from their perspective, they love this outcome where the servicer is thinking about this; they love an outcome where if the homeowner gets a stay with their originator, they have that continuity of relationship; and then they lastly love the outcome where if we are providing this platform on a greater scale, they then don't have to worry as much about the volatility of earnings for originators because they have this blended financial profile. It basically turns in originator from a company that basically has highs and lows based on how much origination is happening to a customer relationship management company. And that is honestly where they want this stuff to go long-term.Jason: And do individual homeowners get any say in the decision on who gets to service their mortgage? Or is it entirely up to the originals?Andrew: Unfortunately, it's buried on page whatever—probably, like, ten—on your closing disclosure, and then later on your mortgage documents, you get put to whoever your mortgage originator wants you to be serviced by.Jason: So, the way you'll… [laugh] coming into a home near you will be through your success with the people who are originating the mortgages and paying for that mortgage servicing contract?Andrew: Today, that is the case, but in very short order, by the end of the year, you can get a Valon mortgage. And when you're with Valon, you stay with Valon. We won't sell your mortgage, we'll keep your mortgage on our platform, and we'll build that long-term trust-based relationship with you.Jason: Tell us more about that.Andrew: Yeah, so we—I mean, we would love for a world—and this is something, by the way, plenty of people have gripes about where they want to be able to have a mortgage that they transfer the servicing based on their own discretion, based on who they want to work with, but that's a longer-term conversation, that's a highly regulator-based conversation. So, it's something that's not going to happen tomorrow. The easiest way that we can become partners with people who actually want to work with Valon is that we offer them a highly competitive mortgage. Again, the fact of the matter is, we don't need to make money off of mortgage origination; we make money off of having the consumer stay with us. So, we'll be happy to offer them possibly the lowest rates that they can get.So, when they come to Valon, they can get their mortgage refinanced, or if they're getting a new mortgage, they can just get a mortgage from Valon, and then thereafter, they'll continue to stay with Valon. There'll be serviced by Valon, when rates drop, we'll just be proactive and we'll preempt any sort of refinance that they want to do. They can log onto our webpage, they can log onto their app, and they will exactly know how much they can refinance it for, what the costs are, all those different things. But again, the nice part here is because we don't really need to make money on originations, like a Quicken, like a [loanDepot 00:40:13], or any of these other players out there—even Better Mortgage—they know that we have an incentive just to keep them on a platform and we can offer that lowest rate. And we can do that. So, that's what's so unique about it which is, you get that relationship, you get that great service, but you also get really priced competitive results, which we believe ultimately will build longer-term trust.Jason: I mean, it's an amazing and powerful refocus where you've effectively created alignment with all the major players in such a way that's made it difficult for any other competitors to compete with you. It's a pretty [laugh] amazing approach to the market that you've developed here. What gets you most excited about the future? Like wh—you know, obviously, you've got origination coming up; you know, in five, ten years, if you're massively successful, what's the impact you've had on the US economy and the US mortgage space?Andrew: So, there's obviously elements where we're helping consumers, right, so we can reduce the delinquencies in the system, like I mentioned, through different mechanisms. We offer people really cheaper financial products, which we believe they deserve, but I think the long-term most impactful thing is that we can provide, really, researchers as well as government regulators the right tools to make the right decisions. When you think about what basically happened recently with COVID, now the government went about and offered everybody forbearance, which is extremely expensive for both players in the industry as well as the government, but they don't really have a good way to address the crisis at hand. So, they used the very blunt-edged solution to it. As the platform that hopefully ends up winning the market, we can provide that information to the government; we can provide that implementation to them.So, they can be much more, with a sharp knife and really a small pencil, start to draw exactly what they want to end up happening. So, instead of giving a forbearance for every single person—which is what happened; they said, “You didn't have to pay a mortgage for nine months, twelve months,” instead of giving a forbearance to every person out there, you could say, “Let me check your bank account. Let me see that you're actually running into a crisis. And if you are, actually I will give you even longer. I will give you 18 months, I will give you until you figure out what to do next.”And for the people who didn't actually have a crisis, we're not going to give it to you. So, you actually can help the right people in this sort of situation. Alternatively, you might have a situation where the government wants to test a different modification program. Usually, it gets into a large argument about does this work; does it not work? There's not much data out there.But with a technological platform like us, you can actually go as far as to say, let's actually A/B test these results. If the government buys-in will test it with [unintelligible 00:42:54] portfolios, and we'll report these results. So, this is kind of where we believe government policy and really, American policy around housing can be really shaped if you had the right system and the right sort of infrastructure. So, while we are very focused on trying to build that long-term vision and build out a trust relationship with homeowners across the United States, we believe the longer-term impacts of doing something like this really come from the fact that we can leverage this infrastructure to help so many different people.Will: Aside from going deeper in the value chain on the mortgage lifecycle, are their orthogonal products—I know before we jumped on the call, we were sort of talking about insurance a little bit—are there other orthogonal products that are correlated to homeowners that from a product standpoint that you see Valon being able to bolt on to the platform over time?Andrew: I think the big new products that we'll be focused on outside of insurance as an example that we talked about where offering property insurance is a very natural next step, which we're already going to look to do by the end of this year is actually getting into things like for example, credit card debt consolidation. So, it's a very well-known thing that people when they get credit card debt sometimes want to refinance it with a HELOC because it's cheaper to pay a HELOC than a credit card. Now, that's not a very simple process today because getting a HELOC is a painful thing because you have to work with the servicer or you have to work with a HELOC originator. So, making it really easy where someone who has credit card debt, move it quickly over to their HELOC and pay less interest is obviously a quick next step. But that really actually speaks a lot more towards long-term financial management because again, we are dealing with such a large purchase and a large component of their daily—their monthly cash flows.So, as we look to what we do going forward, there probably will be a lot more around financial literacy, financial advisory, around all these different components. And if we can build that trust really leading the homeowner to make these right decisions and being able to forecast for them different outcomes based on what they want to do. So, I'd say that's probably the direction we'll ultimately take with this business. We need some time to work on all the different sort of initiatives that we have, but we're really hopeful that we can really make a difference here.Will: Andrew, congratulations. This is an unbelievably badass business and a very, very boring, esoteric industry that you are transforming. We really, really appreciate you taking the time to hang with us today and to give our listeners a look inside the mortgage servicing industry.Andrew: I appreciate it. Thanks for letting me talk. I went on a very, very long rant.Will: Thank you for listening to Perfectly Boring. You can keep up the latest on the podcast at perfectlyboring.com, and follow us on Apple, Spotify, or wherever you listen to podcasts. We'll see you next time.

For Episode 16, we're continuing our play-through of Arcane Rites: Cult of the Pajoli by Simon Birks. Will Andrew survive?. This is the second in a series of 3 related episodes: Two parts of a long play-through, followed by an interview with Simon Birks, the author of the gamebook. The Blue Fox Comics website Blue Fox Gamebooks on Facebook --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/instadeath/message

The series premiere, whether you'd describe it as a directors cut or behind the scenes/never before scene footage, this episode focuses on the real masterminds behind the Nonsensical Nomads, getting an in-depth look at your regularly scheduled (Ha ha yeah right) podcast. Except not really considering we never really talked about ourselves, just the usual banter and comedic way we bash on anything that isn't us... so just a regular episode that is! Will Andrew finally find love? Will Thaddaeus solve the mystery of his long lost underwear? Find out in this episode of NONSENSICAL NOMADS

Instadeath Survivors Support Group is a podcast all about gamebooks, and the writers and readers who adore them. Visit our Patreon to support the show: patreon.com/instadeath S01E13: For episode 13, Andrew is back for another play-through. In celebration of the 10 year anniversary of Infected by James Schannep, we'll brave the harrowing, and often hilarious post apocolyptic zombie thriller that was Mr. Schannep's first gamebook which kicked off the entire Click Your Poison series. Will Andrew save humanity, or shamble ravenously for all eternity? That's going to depend on the choices Andrew makes. James's Blog Get the 10th anniversary hardcover edition of Infected on Amazon --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/instadeath/message

Andrew and Brittney have invited Chandler Smith and James Fitton, from the new Cornstars Podcast (@cornquestpodcast), back to talk about the 1974 movie, "The Godfather Part II." It is a podcast divided as Andrew and Chandler claim that Part II is the better movie while Brittney and James prefer Part I. Will friendships be broken? Will terrible Italian accents be attempted? Will Andrew be able to get in one word on his own podcast? Time to find out! "Pamgaea" by Kevin MacLeod (https://incompetech.com) License: CC BY (http://creativecommons.org/licenses/by/4.0/)

90 Day Fiancé: Season 8 Episode 10 So I guess Serbia OR BUST. Will Andrew ever catch a clue!? Will Rebecca get her furniture out of storage!? lol. Listen in as Tam and Aric Discuss the fate of Yara as she faces this surprise engagement party and so much more. Be sure to chime in on Twitter @2ndReaction. Follow Up and We Follow Back. We do not own the rights to any music used in this video. We have Fair Use of any video or audio used. This is for the sole purpose of reacting or giving feedback. Music Credit: Chill Out Media --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/2nd/support

The NBA season is heating up and the guys have plenty to talk about. Do some teams need to go into panic mode? Should fan voting for the All Star Game be stopped? Will Andrew ever invent a game that isn't bizarre? Some of these questions are answered this week, some are not. Featuring a new game Anything Is Possible. Support the show (https://www.buymeacoffee.com/fwdpod)

Andrew continues his never-ending quest to bring the wrath of Aeron and Dario (and potentially God) upon himself by subjecting himself and his co-hosts to Grandpa Joe's Ketchup Soda and Lester's Fixins Mustard soda. Will Andrew's choices in this batch of sodas ketchup to him, or will he relish the opportunity to watch his co-hosts suffer through? Have a listen in our 14th episode of The Soda Popcast once you've mustard up the courage to do so.