Podcasts about Zelman

This is an interview Jonathan Jameson and Brian Dennison did for the fledgeling Deep Listen Podcast. Musician and budding conductor Yelisey "Eli" Zelman walks us through Bach's magnum opus and explains the forms and the gospel content that fully infuses the work. The music featured in the podcast is from a version of the passion that was conducted by Wilhelm Furtwangler which is in the public domain. https://archive.org/details/JohannSebastienBachStMatthewPassionBWV24421/Johann+Sebastien+Bach+-+St+Matthew+Passion+BWV+244+03.ogghttps://www.youtube.com/@yeliseyzelmanhttps://www.youtube.com/watch?v=d_D4cszsiC0

Willy was once again joined by one of the most respected voices in the housing industry, Walker & Dunlop's Hall of Fame housing market analyst and executive vice president and co-founder of Zelman & Associates, Ivy Zelman. They discussed Ivy's outlook on the housing market, tariffs and the upward price impacts on the industry, the public vs. private homebuilding markets, the lock-in effect's impact on existing inventory, home affordability issues she's seeing, the privatization of Fannie and Freddie, the broader implications of the fires in LA, and much more. Watch or listen to the replay.    Learn more about your ad choices. Visit megaphone.fm/adchoices

Donna Adelson, accused of orchestrating the 2014 murder-for-hire of Florida State University law professor Dan Markel, appeared in court with her new defense team after her trial was delayed by conflict-of-interest issues. The appearance marked her first since a September postponement of the high-profile case. Accompanied by her new attorneys, former Circuit Judge Jackie Fulford and Tallahassee lawyer Josh Zelman, Adelson appeared before Leon Circuit Judge Stephen Everett. Both attorneys assured the court there were no conflicts of interest in their representation. Adelson's previous legal team had been disqualified due to conflicts involving her son Charlie Adelson, who is serving a life sentence for organizing the murder. Fulford and Zelman took over the case in October and have begun addressing the substantial legal hurdles that come with such a transition. Fulford, drawing on her experience as a circuit judge and interim state attorney, expressed confidence in their ability to prepare for the trial despite limited access to discovery materials. “The state attorney's office has agreed to provide us with electronic copies of all deposition transcripts,” Zelman noted. Adelson, who appeared in a purple jail jumpsuit and spoke only to her attorneys, faces charges of first-degree murder, conspiracy, and solicitation. Prosecutors allege she hired hitmen through her son Charlie Adelson to kill Dan Markel during a contentious custody dispute involving her grandchildren. During the hearing, Fulford proposed a trial window between June 16 and July 2, noting that all parties involved, including witnesses, could be available during that time. Judge Everett emphasized the importance of setting a firm trial date, citing the logistical complexities of moving prisoners and ensuring the presence of witnesses. “When that trial date is set, it is going to be firm,” he stated. The court set the next case management conference for February 11, when discovery is expected to be completed and deadlines for trial preparation finalized. Local attorney Don Pumphrey commented on the challenges of picking up a case at this stage, likening it to “painting in the blind.” However, he acknowledged the strengths of the new legal team, describing Fulford as a “strategist” and a strong choice for the defense. The case remains one of significant public interest, with Adelson being one of five individuals arrested in connection with Markel's murder. Her son Charlie Adelson and three others are already serving prison sentences, leaving her as the final defendant to face trial. Judge Everett also addressed any potential conflicts arising from Fulford's prior judicial role presiding over Markel probate matters. After reviewing the matter, he found no issues that would interfere with her representation. The court's focus now shifts to ensuring all materials are handed over and preparations are completed in time for the June trial window, bringing the case closer to resolution after a decade of legal battles and public scrutiny. #DonnaAdelson #DanMarkel #Tallahassee #TrueCrime #MurderTrial Want to listen to ALL of our podcasts AD-FREE? Subscribe through APPLE PODCASTS, and try it for three days free: https://tinyurl.com/ycw626tj Follow Our Other Cases: https://www.truecrimetodaypod.com The latest on The Downfall of Diddy, The Trial of Karen Read, The Murder Of Maddie Soto, Catching the Long Island Serial Killer, Awaiting Admission: BTK's Unconfessed Crimes, Delphi Murders: Inside the Crime, Chad & Lori Daybell, The Murder of Ana Walshe, Alex Murdaugh, Bryan Kohberger, Lucy Letby, Kouri Richins, Malevolent Mormon Mommys, The Menendez Brothers: Quest For Justice, The Murder of Stephen Smith, The Murder of Madeline Kingsbury, The Murder Of Sandra Birchmore, and much more! Listen at https://www.truecrimetodaypod.com 

Donna Adelson, accused of orchestrating the 2014 murder-for-hire of Florida State University law professor Dan Markel, appeared in court with her new defense team after her trial was delayed by conflict-of-interest issues. The appearance marked her first since a September postponement of the high-profile case. Accompanied by her new attorneys, former Circuit Judge Jackie Fulford and Tallahassee lawyer Josh Zelman, Adelson appeared before Leon Circuit Judge Stephen Everett. Both attorneys assured the court there were no conflicts of interest in their representation. Adelson's previous legal team had been disqualified due to conflicts involving her son Charlie Adelson, who is serving a life sentence for organizing the murder. Fulford and Zelman took over the case in October and have begun addressing the substantial legal hurdles that come with such a transition. Fulford, drawing on her experience as a circuit judge and interim state attorney, expressed confidence in their ability to prepare for the trial despite limited access to discovery materials. “The state attorney's office has agreed to provide us with electronic copies of all deposition transcripts,” Zelman noted. Adelson, who appeared in a purple jail jumpsuit and spoke only to her attorneys, faces charges of first-degree murder, conspiracy, and solicitation. Prosecutors allege she hired hitmen through her son Charlie Adelson to kill Dan Markel during a contentious custody dispute involving her grandchildren. During the hearing, Fulford proposed a trial window between June 16 and July 2, noting that all parties involved, including witnesses, could be available during that time. Judge Everett emphasized the importance of setting a firm trial date, citing the logistical complexities of moving prisoners and ensuring the presence of witnesses. “When that trial date is set, it is going to be firm,” he stated. The court set the next case management conference for February 11, when discovery is expected to be completed and deadlines for trial preparation finalized. Local attorney Don Pumphrey commented on the challenges of picking up a case at this stage, likening it to “painting in the blind.” However, he acknowledged the strengths of the new legal team, describing Fulford as a “strategist” and a strong choice for the defense. The case remains one of significant public interest, with Adelson being one of five individuals arrested in connection with Markel's murder. Her son Charlie Adelson and three others are already serving prison sentences, leaving her as the final defendant to face trial. Judge Everett also addressed any potential conflicts arising from Fulford's prior judicial role presiding over Markel probate matters. After reviewing the matter, he found no issues that would interfere with her representation. The court's focus now shifts to ensuring all materials are handed over and preparations are completed in time for the June trial window, bringing the case closer to resolution after a decade of legal battles and public scrutiny. #DonnaAdelson #DanMarkel #Tallahassee #TrueCrime #MurderTrial Want to listen to ALL of our podcasts AD-FREE? Subscribe through APPLE PODCASTS, and try it for three days free: https://tinyurl.com/ycw626tj Follow Our Other Cases: https://www.truecrimetodaypod.com The latest on The Downfall of Diddy, The Trial of Karen Read, The Murder Of Maddie Soto, Catching the Long Island Serial Killer, Awaiting Admission: BTK's Unconfessed Crimes, Delphi Murders: Inside the Crime, Chad & Lori Daybell, The Murder of Ana Walshe, Alex Murdaugh, Bryan Kohberger, Lucy Letby, Kouri Richins, Malevolent Mormon Mommys, The Menendez Brothers: Quest For Justice, The Murder of Stephen Smith, The Murder of Madeline Kingsbury, The Murder Of Sandra Birchmore, and much more! Listen at https://www.truecrimetodaypod.com

Donna Adelson, accused of orchestrating the 2014 murder-for-hire of Florida State University law professor Dan Markel, appeared in court with her new defense team after her trial was delayed by conflict-of-interest issues. The appearance marked her first since a September postponement of the high-profile case. Accompanied by her new attorneys, former Circuit Judge Jackie Fulford and Tallahassee lawyer Josh Zelman, Adelson appeared before Leon Circuit Judge Stephen Everett. Both attorneys assured the court there were no conflicts of interest in their representation. Adelson's previous legal team had been disqualified due to conflicts involving her son Charlie Adelson, who is serving a life sentence for organizing the murder. Fulford and Zelman took over the case in October and have begun addressing the substantial legal hurdles that come with such a transition. Fulford, drawing on her experience as a circuit judge and interim state attorney, expressed confidence in their ability to prepare for the trial despite limited access to discovery materials. “The state attorney's office has agreed to provide us with electronic copies of all deposition transcripts,” Zelman noted. Adelson, who appeared in a purple jail jumpsuit and spoke only to her attorneys, faces charges of first-degree murder, conspiracy, and solicitation. Prosecutors allege she hired hitmen through her son Charlie Adelson to kill Dan Markel during a contentious custody dispute involving her grandchildren. During the hearing, Fulford proposed a trial window between June 16 and July 2, noting that all parties involved, including witnesses, could be available during that time. Judge Everett emphasized the importance of setting a firm trial date, citing the logistical complexities of moving prisoners and ensuring the presence of witnesses. “When that trial date is set, it is going to be firm,” he stated. The court set the next case management conference for February 11, when discovery is expected to be completed and deadlines for trial preparation finalized. Local attorney Don Pumphrey commented on the challenges of picking up a case at this stage, likening it to “painting in the blind.” However, he acknowledged the strengths of the new legal team, describing Fulford as a “strategist” and a strong choice for the defense. The case remains one of significant public interest, with Adelson being one of five individuals arrested in connection with Markel's murder. Her son Charlie Adelson and three others are already serving prison sentences, leaving her as the final defendant to face trial. Judge Everett also addressed any potential conflicts arising from Fulford's prior judicial role presiding over Markel probate matters. After reviewing the matter, he found no issues that would interfere with her representation. The court's focus now shifts to ensuring all materials are handed over and preparations are completed in time for the June trial window, bringing the case closer to resolution after a decade of legal battles and public scrutiny. #DonnaAdelson #DanMarkel #Tallahassee #TrueCrime #MurderTrial Want to listen to ALL of our podcasts AD-FREE? Subscribe through APPLE PODCASTS, and try it for three days free: https://tinyurl.com/ycw626tj Follow Our Other Cases: https://www.truecrimetodaypod.com The latest on The Downfall of Diddy, The Trial of Karen Read, The Murder Of Maddie Soto, Catching the Long Island Serial Killer, Awaiting Admission: BTK's Unconfessed Crimes, Delphi Murders: Inside the Crime, Chad & Lori Daybell, The Murder of Ana Walshe, Alex Murdaugh, Bryan Kohberger, Lucy Letby, Kouri Richins, Malevolent Mormon Mommys, The Menendez Brothers: Quest For Justice, The Murder of Stephen Smith, The Murder of Madeline Kingsbury, The Murder Of Sandra Birchmore, and much more! Listen at https://www.truecrimetodaypod.com

Cal talks with the founder of Cicero – a company that uses artificial intelligence to allow you to have conversations with Aristotle, Abraham Lincoln, Winston Churchill, Michael Jackson and many other influential figures over the centuries. You see them as they actually looked and hear them in their own voices (when possible). Content is based on records of what they wrote and said. It fulfills a vision of Steve Jobs – who, back in 1985, believed that one day we'd be able to talk to people of this magnitude through the computer. Listen to the story of how it all came together and join the waiting list at heycicero.com.

Willy was joined by Robert Reffkin, the Founder and CEO of real estate tech company Compass, Inc., live from the 2024 Zelman & Associates Housing Summit. He and Willy discussed topics including Robert's humble upbringing and how it led him down the path to entrepreneurship, pivotal moments that shaped his career, combatting negativity and lessons learned through hardship, Compass' investment in technology, intricacies of the real estate market, Robert's vision for the company and where it will be in twenty years, and much more. Learn more about your ad choices. Visit megaphone.fm/adchoices

Is the future of housing not just around the corner, but already knocking on our doors? Ivy Zelman, a renowned housing market analyst and CEO of Zelman & Associates, offers her unique perspective on the future of housing. With two decades of experience under her belt, she continues to provide invaluable insights and predictions that have helped shape the strategies of major investors and developers.  This episode of The Greatness Machine features Darius and our expert guest Ivy Zelman discussing how emerging technologies are influencing the housing market, from building materials to eco-friendly homes. Their discussion includes demographic shifts, economic factors, and environmental concerns, providing an overview of what the future holds for homeowners, renters, and investors. In addition to offering her predictions on the trends that will dominate the next decade, Ivy also discusses innovative solutions for affordable housing and addressing the challenges provided by urbanization and climate change. Topics include: The importance of data-driven analysis over prevailing market sentiments Ivy reveals her motivation for founding Zelman & Associates The impact of low turnover and high home prices despite rising interest rates Ivy explains the dynamics of new home sales versus existing home sales Ivy predicts a potential softening in the housing market but not a significant meltdown And other topics… Connect with Ivy: Website: https://www.zelmanassociates.com/  LinkedIn: https://www.linkedin.com/in/ivy-zelman-64304616b  Connect with Darius: Website: https://therealdarius.com/ Linkedin: https://www.linkedin.com/in/dariusmirshahzadeh/ Instagram: https://www.instagram.com/imthedarius/ YouTube: https://therealdarius.com/youtube Book: The Core Value Equation https://www.amazon.com/Core-Value-Equation-Framework-Limitless/dp/1544506708 This episode is sponsored by Porkbun. Go to https://porkbun.com/GreatnessMachine24 and get your .PRO domain for only $1 for the first year at Porkbun! Learn more about your ad choices. Visit megaphone.fm/adchoices

Willy was once again joined by one of the most respected voices in the housing industry, W&D's Hall of Fame housing market analyst and executive vice president and co-founder of Zelman & Associates, Ivy Zelman. She and Willy discussed rising home prices and affordability challenges, her outlook on multifamily inventory and rent growth, rate cuts, widening spreads, land prices and accessibility, housing supply constraints, the role of manufactured housing in the affordable housing crisis, her overall macro-outlook on housing over the next 5-10 years and where she's seeing real opportunity, the overallocation of institutional capital to multifamily and industrial, and much more.

Years after the Zelman case solidified school choice in America, opponents are still trying to get rid of school choice in the state of Ohio. Tune in today to The Public Square® to join us in our search for truth. Topic: Education The Public Square® with hosts Dave Zanotti and Wayne Shepherd thepublicsquare.com Air Date: Friday, June 28, 2024

Recently, we had a broadcast full of stories that had not been told since 1997 about the availability of school choice in America. Tune in today to The Public Square® to join us in our search for truth. Topic: Education The Public Square® with hosts Dave Zanotti and Wayne Shepherd thepublicsquare.com Air Date: Monday, June 24, 2024

Back in 1997 there was a  meeting to talk about school choice that would ultimately take our team on a journey all the way to the Supreme Court. Today we recount the incredible story of  the "Zelman vs. Simmons-Harris" Case with new details - many never before discussed. There are plenty of twists and turns so please pull up a chair and join us today on The Public Square®.  Topic: Education The Public Square® Long Format Program with hosts David Zanotti and Wayne Shepherd. thepublicsquare.com Release Date: Friday, June 21st, 2024  

QUICK! BEFORE I FLOAT AWAY! Hold on tight and get ready to be disappointed—it's Hoppip! Join Dr. Brandon Author Zelman and Brielle as they discuss reading Brielle's splattered body like tea leaves, what kind of fart rolls a baby, and act out conversations with Squirtle. Also, they discover—OH NO I'M FLYING AWAAAYYYyyyy……Listen to BONUS EPISODES and MORE at patreon.com/WhosThatPatreonTiktok and Instagram: @WhosThatPokemonPodTwitter: @BrandonZelman and @CapnBrielle

Hal Shurtleff interview Aaron Zelman  Three primary goals drive the Washington-based human-rights group Jews for the Preservation of Firearms Ownership (JPFO):Destroy so-called “gun control” (code words for disarming innocent people).Expose the misguided notions that lead people to seek out so-called “gun control”.Encourage Americans to understand and defend all of the Bill of Rights for all citizens. The Second Amendment is the “Guardian” of the Bill of Rights.Founded by Jews in 1989, JPFO initially aimed at educating the Jewish community about the historical evils that Jews have suffered when they have been disarmed. JPFO has always welcomed people of all religious beliefs who share a common goal of opposing and reversing victim-disarmament policies while advancing liberty for all. It was the brainchild of Aaron Zelman (1946 - 2010), a leading national civil-rights activist.JPFO is a non-profit tax-exempt 501(c)(3) educational civil-rights organization, not a lobby. JPFO's products and programs reach out to as many segments of the American people as possible, using bold tactics without compromise on fundamental principles. Find out how you can donate to JPFO. You can volunteer to help JPFO too.JPFO has always welcomed people of all religious beliefs (or none) who share a common goal of opposing and reversing potentially deadly victim disarmament policies. You don't have to be Jewish to join JPFO; you just have to love freedom.Aaron Zelman, a proud Jew, initially aimed at educating the Jewish community about the historical evils that Jews have suffered when they have been disarmed. He was appalled that so many Jewish politicians and influential Jewish public officials and spokespeople actually advocated citizen disarmament. He said it many a time: “Jews should be the last people on Earth to support ‘gun control'.

Join @benbelack and @zachgoldmsmith24 they bring the heat with special insights from the one and only Ivy Zelman, CEO of Zelman and Associates. From shaking up the status quo to making market predictions that'll blow your mind, Ivy's journey in the real estate world is nothing short of legendary. Ben and Zach unpack Ivy's bold moves, spot-on market calls, and what they mean for the wild ride ahead in 2024 and beyond. Don't miss out on this rollercoaster of real estate revelations!Watch full episode on Youtube! https://youtu.be/kehInrcZwzoConnect with Ben and Zach on Social Media:Instagram: https://www.instagram.com/benbelackhttps://www.instagram.com/zachgoldsmith24/Facebook:https://www.facebook.com/benbelackhttps://www.facebook.com/zach.goldsmith.98Twitter:https://twitter.com/benbelackTiktok:https://www.tiktok.com/@benbelackSubscribe to our Youtube Channel:www.youtube.com/benbelack

On this episode of “On The Tape,” Danny Moses is joined by Ivy Zelman of Zelman & Associates, who called the housing bust in 2008, for a conversation about the current state of the housing market.  Timecode Topics: Intro (0:00) How the pandemic changed the housing market (3:00) Price inflation (7:00) Mortgage rates & how fluctuating interest rates impact the housing sector (10:30) Housing inventories (15:00)  Quantitative easing (18:35) The rental market (20:10) Ivy's top ideas (25:15) — Subscribe to our newsletter: https://riskreversalmedia.beehiiv.com/subscribe — About the Show: On The Tape is a weekly podcast with CNBC Fast Money's Guy Adami, Dan Nathan and Danny Moses. They're offering takes on the biggest market-moving headlines of the week, trade ideas, in-depth analysis, tips and advice. Each episode, they are joined by prominent Wall Street participants to help viewers make smarter investment decisions. Bear market, bull market, recession, inflation or deflation… we're here to help guide your portfolio into the green. Risk Reversal brings you years of experience from former Wall Street insiders trading stocks to experts in the commodity market. — Check out our show notes here See what adding futures can do for you at cmegroup.com/onthetape. — Shoot us an email at OnTheTape@riskreversal.com with any feedback, suggestions, or questions for us to answer on the pod and follow us @OnTheTapePod on Twitter or @riskreversalmedia on Threads — We're on social: Follow @GuyAdami on Twitter Follow Danny Moses @DMoses34 on Twitter Follow Liz Young @LizYoungStrat on Twitter Follow us on Instagram @RiskReversalMedia Subscribe to our YouTube page The financial opinions expressed in Risk Reversal content are for information purposes only. The opinions expressed by the hosts and participants are not an attempt to influence specific trading behavior, investments, or strategies. Past performance does not necessarily predict future outcomes. No specific results or profits are assured when relying on Risk Reversal. Before making any investment or trade, evaluate its suitability for your circumstances and consider consulting your own financial or investment advisor. The financial products discussed in Risk Reversal carry a high level of risk and may not be appropriate for many investors. If you have uncertainties, it's advisable to seek professional advice. Remember that trading involves a risk to your capital, so only invest money that you can afford to lose. Derivatives are not suitable for all investors and involve the risk of losing more than the amount originally deposited and any profit you might have made. This communication is not a recommendation or offer to buy, sell or retain any specific investment or service.

Neil Zelman, the compassionate CEO of Polaris Healthcare, is a master of balance, seamlessly blending his professional prowess with a heart dedicated to service. Proudly holding a master's in public health administration, Neil's journey began as part of a family of entrepreneurs, where he honed his values managing the kitchen in a Catskill Resort. His commitment to holistic well-being is evident not only in his role as a Chaplain for seniors but also in his active involvement in the Monsey community. Beyond the realms of Polaris Healthcare, Neil extends his impact by being involved with non-profit organizations, embodying a dedication to making a positive difference.Neil's leadership extends beyond business metrics; it's a narrative of putting others ahead of himself. His biggest challenge, met with grace, defines his selfless approach. The warmth of family care radiates throughout Polaris Healthcare under Neil's guidance, where residents are treated as family.Appreciative of friends and mentors who shaped his journey, Neil's desire to assist others echoes in his commitment to helping individuals reach their potential. His leadership is not just about running a healthcare organization—it's a beacon of compassionate and comprehensive senior care, leaving a lasting impact on individuals and communities alike. Michael Greenfield, the visionary CEO of Prime Source, brings a wealth of experience and a heart dedicated to service. His journey began at the age of 14, checking lettuce under a lamp, laying the foundation for a remarkable career.Guided by the wisdom of his hero, his father, Michael embraces a life of transparency and honesty. "Be yourself and step up when needed," echoes the invaluable lesson that permeates his leadership style. As a Chaplain in the senior care market, he adds a compassionate touch, emphasizing the holistic well-being of individuals.Beyond the boardroom, Michael's heart for community shines. He helped found "Lighthouse for Girls," a therapeutic center, and established the MJN Monsey Jobs Network, connecting 50+ employers and coaches to those in need. "Helping people is what I do best," he affirms, fostering growth in family, community, and the business family at Prime Source.In his pursuit of excellence, Michael Greenfield champions a life guided by the words: "Be the best version of yourself."Michael's educational journey from Yeshiva University to attending the MPA graduate program in Public Health Administration at Long Island University reflects his commitment to knowledge. "Learning how to deal with people," he honed his skills as the director of the largest American day camp in Israel, showcasing leadership prowess starting at a very young age. For more Brainstorm go to...Spotify: https://open.spotify.com/show/2aPCiuzsIoNKYt5jjv7RFT?si=67dfa56d4e764ee0Apple Podcasts: https://podcasts.apple.com/us/podcast/brainstorm-with-sony-perlman/id1596925257Youtube: https://www.youtube.com/@brainstormwithsonyInstagram: https://www.instagram.com/brainstormwithsony

In part two of our conversation on school vouchers, Amanda Tyler and Holly Hollman look at who really wants the troublesome programs, and why. They discuss how court decisions are chipping away at constitutional boundaries and dive into the policy debates and political fights over school vouchers that are pitting communities against each other. Plus, they share the origins of some of the language used in these conversations and why Texas – surprisingly – hasn't passed a voucher program.    SHOW NOTES Segment 1 (starting at 00:38): Analyzing Zelman and cases chipping away at constitutional boundaries Listen to part one of this conversion in episode 8 of season 5. Holly and Amanda discuss the ruling in the 2002 case of Zelman v. Simmons-Harris. You can read the opinion and dissent here. They mention a trilogy of cases that came later – click the case name for more information, including podcast episodes: Trinity Lutheran v. Comer (2017) Espinoza v. Montana Dept. of Revenue (2020) Carson v. Makin (2022)   Segment 2 (starting at 06:04): Policy debates and political fights  Holly and Amanda mentioned the following articles: GOP states are embracing vouchers. Wealthy parents are benefitting. by Andrew Atterbury for Politico ‘School choice' developed as a way to protect segregation and abolish public schools by Nancy MacLean for The Washington Post in 2021 Rural resistance to statewide school vouchers by Deven Carlson for Brookings Are school vouchers inevitable? was the headline of the article by Robert T. Garrett on the front page of the Dallas Morning News “Our public school system is our town”: Why this rural Republican is voting against school vouchers By Brian Lopez and Patrick Svitek for The Texas Tribune Amanda and Holly discussed Texas Gov. Greg Abbott's push for school vouchers in episode 1 of this season. Learn more about Pastors for Texas Children and their work countering vouchers by visiting their website.   Segment 3: (starting at 24:00): Additional resources on vouchers  Here are some additional resources from BJC on school vouchers: U.S. House rejects nationwide school voucher amendment 311-113, while states continue to enact voucher programs by Don Byrd (March 2023) Voucher-funded religious education: A threat to religious liberty byJennifer Hawks (February 2020) School vouchers threaten religious autonomy by Jennifer Hawks (March 2015) You can also access additional resources on religion and public schools at this link on our website. Respecting Religion is made possible by BJC's generous donors. You can support these conversations with a gift to BJC.

During the holiday season it's easy to fall into the trap of drinking too much. But what's the definition of “too much"? What does drinking in moderation actually mean? Luckily, in a previous episode I interviewed celebrated dietitian Kathleen Zelman who helps us to understand it all and provide strategies on how to drink more mindfully this season and beyond. Kathleen Zelman MPH, RDN, LD, is a food, nutrition and media communication consultant, an advisor to the Distilled Spirits Council, the co-host of the ‘True Health Revealed' podcast, and owner of No Nonsense Nutrition, LLC. She is also the former director of nutrition for WebMD where she helped build their state-of-the-art food, diet and nutrition portal.See omnystudio.com/listener for privacy information.

Bill & Mike Got Your Tech Tuesday Connected With Browns VS Colts Preview-Terry Pluto Cleveland.com - Israel-Hamas War Discussion With Daniel N. Zelman-Board Chair Of JFOC - GAZA: AMERICANS IN ISRAEL-NBC Radio Rory O'Neill-latest on the situation in Gaza, and efforts to get Americans out of the war zone-latest on efforts by Republicans to elect a new Speaker of the House - Tech Tuesday-Agent Meister-Geek Squad - Strongsville Business EXPO-Mayor Perciak - What is ahead at the gas pump as the situation deteriorates in the Mideast?-NBC Radio Erin Real looked at what is expected on the global petroleum market

Daniel N. Zelman-Board Chair Of Jewish Federation of Cleveland spoke to Bill about Israel-Hamas Way - The work & mission of the Jewish Federation Of Cleveland - Helping Israel in need and hope for peace.

Follow Forward Guidance On Spotify: https://spoti.fi/3E0Nbio Follow Forward Guidance On Apple: https://apple.co/3hXQu2F Follow On The Margin On Spotify: https://spoti.fi/46WWQ6T Follow On The Margin On Apple Podcasts: https://apple.co/3UsnTiM Follow Blockworks Macro On YouTube: https://bit.ly/3NKpujX -- This week Mike is on holiday, so we bring you a special episode of Forward Guidance hosted by Jack Farley with Ivy Zelman Founder and CEO of Zelman & Associates. -- Follow Ivy Zelman on Twitter https://twitter.com/Ivy_Zelman Follow Jack Farley on Twitter https://twitter.com/JackFarley96 Follow Forward Guidance on Twitter https://twitter.com/ForwardGuidance -- Follow On The Margin: https://twitter.com/OnTheMarginPod Follow Mark: https://twitter.com/MarkYusko Follow Michael: https://twitter.com/MikeIppolito_ Follow Blockworks: https://twitter.com/blockworks_ — Research, news, data, governance and models – now, all in one place. As a listener of On The Margin, you can use code "MARGIN10" for a 10% discount when signing up to Blockworks Research https://www.blockworksresearch.com/ — Use code MARGIN30 to get 30% off Permissionless 2023 in Austin: https://blockworks.co/event/permissionless-2023 — Disclaimer: Nothing discussed on On The Margin or Forward Guidance should be considered as investment advice. Please always do your own research & speak to a financial advisor before thinking about, thinking about putting your money into these crazy markets.

Ivy Zelman, founder and CEO of Zelman & Associates, joins Forward Guidance to share her outlook on the U.S. housing market. Filmed on August 8, 2023. Today's interview is sponsored by Blockfills, a crypto trading solutions and financial technology firm. ____ To learn more about Zelman & Associates, email ted@zelmanassociates.com Follow Ivy Zelman on Twitter https://twitter.com/Ivy_Zelman Follow Jack Farley on Twitter https://twitter.com/JackFarley96 Follow Forward Guidance on Twitter https://twitter.com/ForwardGuidance Follow Blockworks on Twitter https://twitter.com/Blockworks_ ____ Disclaimer: Nothing discussed on Forward Guidance should be considered as investment advice. Please always do your own research & speak to a financial advisor before thinking about, thinking about putting your money into these crazy markets. Zelman & Associates 2023 Virtual Housing Summit: Our 16th Annual Housing Summit continues to provide rich market content, lively panel discussions and fresh perspectives on the housing ecosystem that is unique to Zelman & Associates. Our panel discussions have C-Suite executives moderated by our elite team. We break down content, providing you with actionable insights that will help navigate the current market uncertainty and on into 2024. Zelman's ultimate goal (as always) was to provide you with the most accurate, in-depth and differentiated data and information to help you be successful in your endeavors.   Registration Cost: $850.00 Special Discount: Email Kim Gray – kim@zelmanassociates.com to register and mention this podcast for a 25% discount! Housing Summit Event Page: https://www.meetmax.com/sched/event_96353/conference_home.html?bank_access=0&event_id=96353 Housing Summit Agenda: https://www.meetmax.com/sched/event_96353/__agenda_cp.html Why Attend Our Housing Summit: Deemed The Best Housing-Related Conference of Year  Attended by over 1,000 Institutional Investors and Industry Executives  Thought-Provoking Panels Across The Housing Mosaic  Corporate Access for Investors and Unique Networking Opportunities  A Who's Who of Housing with all of the major public and private prevailing thought leaders in attendance     About Zelman & Associates: Extensive macro, sector and company-specific equity research, exclusive industry surveys, stock recommendations, and insights leveraging our constant flow of real-time data. Our insights help connect the dots between all aspects of the housing mosaic to inform strategies and decisions rooted in confidence. Serving institutional investors, corporations, private equity, fixed income, private investors, RIAs and more. https://www.zelmanassociates.com/ Timecodes: (00:00) Introduction (00:28) Resilience Of The U.S. Housing Market (09:28) Comparing the 2020 Housing Boom to the Early 2000s Housing Boom (13:43) Commercial Real Estate: Multifamily Housing (Apartment Buildings) (20:58) Shelter's Contribution To Overall Consumer Price Inflation (22:35) Housing's Impact On Banking System (25:53) Forecasts For Single-Family Housing (32:20) Supply of Housing (38:53) Outlook on Homebuilding Industry (43:42) Negative Outlook On Home Improvement Industry (48:22) Market For Mortgage-Backed Securities (MBS) (51:06) The Fed Was Supporting The Market With Free Money (52:37) Macro Outlook

Brian Zelman took what he calls a “circuitous” path in real estate. “I've always been interested in real estate from a young age,” said Zelman, principal of Zelman Real Estate on the CBIA BizCast. The Bloomfield native, who now lives in West Hartford, began his career as a residential broker, before migrating to commercial real estate and land development. Those developments started in the retail and healthcare spaces, but migrated to multifamily housing.

The housing market is stuck. Stubborn homeowners with low rates refuse to move, even as demand starts to pick back up. Homebuilders are driving ahead with more new construction homes, but is it too late to deliver the supply we so desperately needed only a year or two ago? Where is the housing market moving next, and how long will we be stuck in this standoff? Ivy Zelman from Zelman & Associates successfully predicted the last housing crash, so what does she have to say about today's market? Ivy is a thought leader in the real estate research space. Her credibility has been showcased repeatedly as her team accurately forecasts numerous housing market moves. Constantly on the phone with institutional buyers and builders, Ivy tends to know what's happening before even the top forecasters. In this episode, Ivy gives her opinion on today's housing market, why buyers and sellers are “stuck,” and whether or not the “underbuilding” problem is even an issue as demographic trends start getting dangerous. She also shares which real estate markets are in the most danger, the concerning catastrophe facing many southern states, and the markets she's most bullish on that could withstand the test of time. But, more importantly, Ivy shares her thoughts on whether or not real estate is still worth investing in and why it may be time for landlords to diversify into other assets that don't come with such a considerable risk. In This Episode We Cover The single greatest danger affecting the housing market in 2023 The new vs. existing home challenge and why homeowners are stuck in place Affordable housing and why the “underbuilding problem” isn't what you think it is “Tremendous” competition for rentals and which investors should be concerned Underrated housing markets that are seeing strong demand and demographic tailwinds 2008 vs. 2023 and whether another housing crash is even feasible in today's market And So Much More! Links from the Show Find an Agent Find a Lender BiggerPockets Forums BiggerPockets Agent BiggerPockets Bootcamps Join BiggerPockets for FREE On The Market Join the Future of Real Estate Investing with Fundrise Connect with Other Investors in the “On The Market” Forums Subscribe to The “On The Market” YouTube Channel Dave's BiggerPockets Profile Dave's Instagram Jamil's BiggerPockets Profile Jamil's Instagram Hear Our Last Interview with Ivy Connect with Ivy: Ivy's Email Ivy's Website Check the full show notes here: https://www.biggerpockets.com/blog/on-the-market-113 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

“I was particularly interested in writing comedy,” says Paul Lieberstein, who is best known for playing Toby on The Office, but has writing credits for King of the Hill, The Drew Carey Show, Ghosted, Space Force, and now, Lucky Hank. “Some Woody Allen short stories and Steve Martin albums. In my twenties, I learned there was a whole industry there, and you can do that, because I had never met anyone who had done that.” Aaron Zelman, the co-creator of Lucky Hank, also realized he enjoyed writing at an early age, even though he didn't feel he was particularly good at it back then. “It dovetailed with my interest in theater, acting, and improv. The more I did it, the more I wanted to be the one creating what I was doing.” Zelman's additional writing credits include Law & Order, Criminal Minds, Damages, and The Killing.  Together, they have adapted Richard Russo's 1997 novel, Straight Man. The novel can be described as follows: “William Henry Devereaux, Jr., is the reluctant chairman of the English department of a badly underfunded college in the Pennsylvania rust belt. Devereaux's reluctance is partly rooted in his character—he is a born anarchist—and partly in the fact that his department is more savagely divided than the Balkans.” The writers say the book is hilarious, but also very serious. “There are some darker, underlying currents of what defines the character of Hank and we didn't want to shy away from that.” Lieberstein says, “Something we had to talk about a lot was the storytelling demands of the hour, like how little could we do. We just wanted to do people that are living, without soap stuff, or overarching concepts. We were stretching the boundaries of how little we could do, knowing we had an obligation to keep people interested.”  To find this balance, the writers say they rewrote every single episode about four times. “The thing that we kept coming back to, doing as little as possible, we didn't want to implode bigger concepts. We didn't want to throw in a murder. It was a challenge to keep the audience entertained without doing that stuff, but in my life, things feel pretty damn dramatic without a murder to solve. We wanted to have an audience go on that ride too.” To encompass all of this in one idea, the writers came up with the story driver: “The high drama of everyday life.” Want more? Steal my first book, Ink by the Barrel - Secrets From Prolific Writers right now for free. Simply head over to www.brockswinson.com to get your free digital download and audiobook. If you find value in the book, please share it with a friend as we're giving away 100,000 copies this year. It's based on over 400 interviews here at Creative Principles. Enjoy! If you enjoy the podcast, would you please consider leaving a short review on Apple Podcasts? It only takes about 60-seconds and it really helps convince some of the hard-to-get guests to sit down and have a chat (simply scroll to the bottom on your iTunes Podcast app and click “Write Review"). Enjoy the show!

Market Proof Marketing · Diving Into Home Builder Data with Rick Holmes and Alan Ratner Kevin Oakley is joined by two industry experts, Alan Ratner, Managing Director at Zelman & Associates, and Rick Holmes, CEO of Home Builder Data, to take a deep dive into the world of home builder data. Join us as we explore the insights they've gathered, discuss the roles of first-time home buyers now and in the future, and how they use data to track trends for and from home builders nationwide.Kevin, Alan, and Rick discuss:The rate of change in mortgage interest ratesThe limiting factors in the housing marketHousing affordability and availability The role of first-time home buyersClimate change policies and how they might impact the cost of future homes& More!Questions? Comments? Email show@doyouconvert.com or call 404-369-2595 and we'll address them on the next episode. More insights, discussions, and opportunities in the Market Proof Marketing Facebook group.Subscribe on iTunes > https://now.doyouconvert.com/mpm-itunesFollow on Spotify > https://now.doyouconvert.com/mpm-spotifyListen On Stitcher > https://now.doyouconvert.com/mpm-stitcherA weekly new home marketing podcast for home builders and developers. Each week Kevin Oakley, Andrew Peek, Jackie Lipinski, Julie Jarnagin, and other team members from Do You Convert will break down the headlines, share best practices and stories from the front line, and perform a deep dive on a relevant marketing topic. We're here to help you – not to sell you! The post Ep 268: Diving Into Home Builder Data with Rick Holmes and Alan Ratner appeared first on Online Sales and Marketing for Home Builders - DYC.

The FTX drama continues. Co-founder Gary Wang and former Alameda Research co-CEO Caroline Ellison have both pleaded guilty to federal charges. Wang pleaded guilty to conspiracy to commit wire fraud, wire fraud, conspiracy to commit commodities fraud and conspiracy to commit securities fraud. Ellison pleaded guilty to two counts of wire fraud, two counts of conspiracy to commit wire fraud, conspiracy to commit commodities fraud, conspiracy to commit securities fraud and conspiracy to commit money laundering. Ellison and Wang become the second and third individuals to be charged in connection with FTX's multibillion-dollar collapse. Sam Bankman-Fried has already been indicted.In this episode Chris and Saied examine these latest developments as well as Sam Bankman-Fried's recent release on $250 million dollar bail.They discuss an article from Bloomberg Business claiming that inflation reports are so important, staff were once instructed to have no facial expressions when walking them into the West Wing of the White House.Chris and Saied look at a seemingly skewed chart from Keeping Current Matters revealing home price forecasts for 2023, with Realtor.com predicting a 5.4% increase and Zelman going the other way with a -5.1% decrease.They also discuss a report stating that Mortgage applications to refinance a home jumped 6% last week as interest rates hit their lowest level since September, according to the Mortgage Bankers Association's seasonally adjusted index.Join Chris and Saied for this fascinating and informative conversation.Enjoy!What You'll Learn in this Show:Caroline Ellison and Gary Wangs's plea bargain deal and what that means for Sam Bankman-Fried.Why economists are now predicting a 7-in-10 likelihood that the US economy will sink into a recession next year.A report from the NAR stating that sales of existing homes fell 7.7% in November compared with October.Why a new Bloomberg Economics model projection predicts that a recession by late-2023 is a '100%' likelihood.And so much more...Resources:"Caroline Ellison, Associate of FTX Founder Sam Bankman-Fried, Pleads Guilty to Criminal Charges" (article from The Wall Street Journal)"It takes a lot to keep inflation data secret, including NDAs" (Bloomberg Business via Instagram)"There is a 70% risk of recession in 2023, economists say" (Bloomberg business via Instagram)"Brace for Recession Next Year. But the Outlook Isn't All Doom and Gloom" (article from Barron's)"Home price forecasts for 2023" (Keeping Current Matters via Instagram)"Home sales tumbled more than 7% in November, the 10th straight month of declines" (article from CNBC)"Homebuilder sentiment drops for the 12th straight month, but a bottom may be near" (article from CNBC)

During the holiday season it's easy to fall into the trap of drinking too much. But what's the definition of “too much"? What does drinking in moderation actually mean? Luckily, celebrated dietitian Kathleen Zelman is here to help us understand it all and provide strategies on how to drink more mindfully this season and beyond. Kathleen Zelman MPH, RDN, LD, is a food, nutrition and media communication consultant, an advisor to the Distilled Spirits Council, the co-host of the ‘True Health Revealed' podcast, and owner of No Nonsense Nutrition, LLC. She is also the former director of nutrition for WebMD where she helped build their state-of-the-art food, diet and nutrition portal.See omnystudio.com/listener for privacy information.

September 27, 2022 ~ Guy Gordon chats with three of the Detroit Economic Club's Rising Stars at the Honoree Reception at The Statler: Laura Reiners, Community Relations Director for Growth Works, Amy Hallochak, Marketing Manager for the Detroit Economic Club, and Matt Zelman, Senior Auto Finance Specialist for Blue Cross Blue Shield of Michigan.

Today's conversation is all about designing the future you! Who are you? Who are you going to be? What stories are you telling yourself today that are shaping your future success?   Founder and president of Transitions Institute, Inc., David Zelman has served as a corporate and business coach to millionaires, billionaires, royalty, and other top professionals who want to bridge the gap between professional accomplishment and personal satisfaction. His unique approach to fully expressing one's humanity has empowered people to step beyond what is predictable and create truly extraordinary lives.   From near-illiterate high school dropout to college graduate to corporate consultant and business coach, David knows a thing or two about making successful transitions. When he realized he was headed down one dead end, he found the courage to pivot toward something better. Dying with your potential intact is not a good idea! The game isn't to fulfill your potential, it's leaning into it. That's what the trajectory of designing a second life is all about.   We all have unlimited potential, the challenge is to figure out how to access it. What we dedicate our time and efforts to is what we are committed to. If you want to tap into your future potential, you have to be committed to it!   Too many people don't understand the full nature of commitment. The internal conversations we have that excuse us from commitment become our reality, so we have to be very careful about what we tell ourselves. No matter what happens, commit now to being one of the finishers who doesn't give up!   Interview Links: Transitions Institute David Zelman If I Can, You Can: Transformation Made Easy, by David Zelman, Ph.D.   Resources: 20,000 Scaleups Scaling Up Summits (Select Bill Gallagher as your coach during registration for a discount.) Bill on YouTube   Scaling Up is the best-selling book by Verne Harnish and our team for Scaling Up Coaches (formerly Gazelles). We share how the fastest-growing companies succeed where so many others fail.   Bill Gallagher, Scaling Coach and host of the show, is an international business coach who works with C-Suite leaders to achieve breakthrough growth.   We help leadership teams with the biggest decisions around People, Strategy, Execution, and Cash so that they can Scale Up successfully and beat the odds of business growth. Scaling Up is based on Verne's original best-selling business book, Mastering the Rockefeller Habits.   Did you enjoy today's episode? If so, then please leave a review! Help other business leaders discover the Scaling Up Business Podcast so they, too, can benefit from the ideas shared in these podcasts.  

Does the Constitution require our government to fund religion? In a landmark ruling, the Supreme Court says, for the first time, that if a state has a program that includes funding for private schools it must also provide funding for religious schools. In this episode, Amanda and Holly examine the Carson v. Makin decision, which shows how the Supreme Court is shifting further and further away from the Establishment Clause's protections of religious liberty for all. They explore the Court's “bait and switch” to make this radical shift seem not so bad, and they look at all of the reasons the Framers thought it was smart to avoid government funding of religion. In segment three, Amanda and Holly review the latest misleading headlines that conflate “religious liberty” with a promotion of free exercise rights at the expense of Establishment Clause protections.    SHOW NOTES Segment 1: A radical shift in religious liberty law (starting at 03:50) You can contact Amanda and Holly with your thoughts on the show by writing to RespectingReligion@BJConline.org. Amanda Tweeted her reaction to the Dobbs decision on Friday, June 24. You can see her Tweet thread here.  Holly and Amanda recorded this episode before the Court released its opinion in the Kennedy v. Bremerton case on June 27, 2022. They will analyze that case in the next episode of Respecting Religion. Access BJC's resources on Carson v. Makin at BJConline.org/CarsonvMakin, including the brief we joined, Holly's article for our winter magazine, and our statement on decision day.  Read the Supreme Court decision in Carson v. Makin at this link. We mentioned the two recent cases that led to this case: Trinity Lutheran v. Comer: BJConline.org/TrinityLutheran Espinoza v. Montana Department of Revenue: BJConline.org/Espinoza   Segment 2: Where's the Establishment Clause?  (starting at 19:18) Holly and Amanda mentioned these cases when discussing how the Court abandoned the “play in the joints” principle in religious freedom law and the impact of this case in state funding of religious schools:  Locke v. Davey (2004) Zelman v. Simmons-Harris (2002) Amanda quoted from the Virginia Statute for Religious Freedom, written by Thomas Jefferson. Holly quoted from Memorial and Remonstrance against Religious Assessments, written by James Madison.   Segment #3: More misleading headlines (starting at 33:02) Amanda and Holly discussed this New York Times newsletter written by Ian Prasad Philbrick: A Pro-Religion Court. It also links to a piece by Adam Liptak with some misleading shorthand, titled Supreme Court Rejects Maine's Ban on Aid to Religious Schools. Respecting Religion is made possible by BJC's generous donors. You can support these conversations with a gift to BJC. 

Today we're looking back at some of our most popular episode in the first half of 2022 covering a range of topics with some amazing guests. I know it's hard to listen to every episode, so we picked some clips from our most downloaded episodes for you. We already have a great lineup for 3Q22, so be sure to subscribe to the show or share with a friend who hasn't listened yet! (0:38) - Sponsor: Bonner Private Wine Partnership   (1:50) - Intro    (2:14) - John Arnold    (8:59) - Whitney Baker   (14:00) - Jeremy Grantham   (20:12) - Ivy Zelman   (24:28) - Gio Valiante   (27:08) - Dylan Grice   (30:49) - Antii Illmanen   (36:20) - Chris Bloomstran   (37:56) - Peter Zeihan   (44:28) - Dan Ariely   ----- Follow Meb on Twitter, LinkedIn and YouTube For detailed show notes, click here To learn more about our funds and follow us, subscribe to our mailing list or visit us at cambriainvestments.com ----- Today's episode is sponsored by the Bonner Private Wine Partnership.  Founded in 2019 by Will Bonner, the Bonner Private Wine Partnership is a group of wine lovers who come together to import great, small batch wines that might otherwise get overlooked by large importers. Click here to get 4 bottles of wine for almost half off plus free shipping. ----- Interested in sponsoring the show? Email us at Feedback@TheMebFaberShow.com ----- Past guests include Ed Thorp, Richard Thaler, Jeremy Grantham, Joel Greenblatt, Campbell Harvey, Ivy Zelman, Kathryn Kaminski, Jason Calacanis, Whitney Baker, Aswath Damodaran, Howard Marks, Tom Barton, and many more.  ----- Meb's invested in some awesome startups that have passed along discounts to our listeners. Check them out here! 

Co-Hosts: Adam Sommer, Rachel Parker, Sean DillerAdam's OpenTalkin' PoliticsSUPREME COURT TERM ENDINGDOBBS V. JACKSON - STATES CAN MAKE ABORTION ILLEGALMissouri is first in the nation: https://www.newsweek.com/missouri-bans-all-abortions-minutes-after-scotus-ruling-overturning-roe-1718967Josh Hawley Wants You To Move Out: https://www.kansascity.com/news/politics-government/article262849238.htmlWhat is a “D&C”https://www.hopkinsmedicine.org/health/treatment-tests-and-therapies/dilation-and-curettage-d-and-cMissouri statute Sec. 1.205: Life Begins At Conception, unborn have protectable interests in life, health, and well-being, natural parents have protectable interest in the life, health and well being of unborn child - those are real actual words in missouri lawUnborn child is defined to include all unborn children or the offspring of human being from the moment of conception until birth at every stage of biological development MO Stat, Sec. 188.015 defines abortion, 188.017 makes them illegal, updated June 24, 2022"Conception", the fertilization of the ovum of a female by a sperm of a male;Notwithstanding any other provision of law to the contrary, no abortion shall be performed or induced upon a woman, except in cases of medical emergency. Any person who knowingly performs or induces an abortion of an unborn child in violation of this subsection shall be guilty of a class B felony, as well as subject to suspension or revocation of his or her professional license by his or her professional licensing board. A woman upon whom an abortion is performed or induced in violation of this subsection shall not be prosecuted for a conspiracy to violate the provisions of this subsection.  3. It shall be an affirmative defense for any person alleged to have violated the provisions of subsection 2 of this section that the person performed or induced an abortion because of a medical emergency. The defendant shall have the burden of persuasion that the defense is more probably true than not."Medical emergency", a condition which, based on reasonable medical judgment, so complicates the medical condition of a pregnant woman as to necessitate the immediate abortion of her pregnancy to avert the death of the pregnant woman or for which a delay will create a serious risk of substantial and irreversible physical impairment of a major bodily function of the pregnant woman;THOMAS'S CONCURRANCE: “For that reason, in future cases, we should reconsider all of this Court's substantive due process precedents, including: Griswold - contraceptive useLawrence - right to engage in private sexual acts (same sex)Obergefell - marriage equalityhttps://www.scotusblog.com/case-files/cases/dobbs-v-jackson-womens-health-organization/MAINE - PUBLIC MONEY TO RELIGIOUS SCHOOLShttps://www.scotusblog.com/case-files/cases/carson-v-makin/Holding: Maine's “nonsectarian” requirement for otherwise generally available tuition assistance payments to parents who live in school districts that do not operate a secondary school of their own violates the free exercise clause of the First Amendment.Actual opinion: https://www.supremecourt.gov/opinions/21pdf/20-1088_dbfi.pdfMaine residents in places with schools that don't provide secondary education can use tuition assistance for kids to attend other schools - previously could NOT use that money for religious schoolsRuling is that it violates the free exercise clauseAllows for use of public funds for religious instructionThe Free Exercise Clause of the First Amendment protects against “indirect coercion or penalties on the free exercise of religion, not just outright prohibitions.”Missouri case Trinity Lutheran v. Comer about using public money for playground equipment in 2017The “unremarkable” principles applied in Trinity Lutheran and Espinoza suffice to resolve this case. Maine offers its citizens a benefit: tuition assistance payments for any family whose school district does not provide a public secondary school. Just like the wide range of nonprofit organizations eligible to receive playground resurfacing grants in Trinity Lutheran, a wide range of private schools are eligible to receive Maine tuition assistance payments here. And like the daycare center in Trinity Lutheran, BCS and Temple Academy are disqualified from this generally available benefit “solely because of their religious character.” 582 U. S., at ___ (slip op., at 10). By “condition[ing] the availability of benefits” in that manner, Maine's tuition assistance program—like the program in Trinity Lutheran—“effectively penalizes the free exercise” of religion. Ibid. (quoting McDaniel, 435 U. S., at 626 (plurality opinion)).BREYER: The First Amendment begins by forbidding the government from “mak[ing] [any] law respecting an establishment of religion.” It next forbids them to make any law “prohibiting the free exercise thereof.” The Court today pays almost no attention to the words in the first Clause while giving almost exclusive attention to the words in the second. In a word, to interpret the two Clauses as if they were joined at the hip will work against their basic purpose: to allow for an American society with practitioners of over 100 different religions, and those who do not practice religion at all, to live together without serious risk of religion-based social divisions. We have previously found, as the majority points out, that “a neutral benefit program in which public funds flow to religious organizations through the independent choices of private benefit recipients does not offend the Establishment Clause.” Ante, at 10 (citing Zelman, 536 U. S., at 652– 653). We have thus concluded that a State may, consistent with the Establishment Clause, provide funding to religious schools through a general public funding program if the “government aid . . . reach[es] religious institutions only by way of the deliberate choices of . . . individual [aid] recipients.” Id., at 652. But the key word is “may.” We have never previously held what the Court holds today, namely, that a State must (not may) use state funds to pay for religious education as part of a tuition program designed to ensure the provision of free statewide public school education. What happens once “may” becomes “must”? Does that transformation mean that a school district that pays for public schools must pay equivalent funds to parents who wish to send their children to religious schools? Does it mean that school districts that give vouchers for use at charter schools must pay equivalent funds to parents who wish to give their children a religious education? What other social benefits are there the State's provision of which means—under the majority's interpretation of the Free Exercise Clause—that the State must pay parents for the religious equivalent of the secular benefit provided? NEW YORK - STATES CANNOT REGULATE GUNShttps://www.scotusblog.com/case-files/cases/new-york-state-rifle-pistol-association-inc-v-bruen/NEW YORK LAW required permit for conceal and carryRuling is that BASED ON THE 14TH AMENDMENT (YEAH THAT SAME ONE) it is an individual liberty interest protected by the 14th (that's not a joke) https://heartlandpod.com/Twitter: @TheHeartlandPODChange The Conversation

Co-Hosts: Adam Sommer, Rachel Parker, Sean DillerAdam's OpenTalkin' PoliticsSUPREME COURT TERM ENDINGDOBBS V. JACKSON - STATES CAN MAKE ABORTION ILLEGALMissouri is first in the nation: https://www.newsweek.com/missouri-bans-all-abortions-minutes-after-scotus-ruling-overturning-roe-1718967Josh Hawley Wants You To Move Out: https://www.kansascity.com/news/politics-government/article262849238.htmlWhat is a “D&C”https://www.hopkinsmedicine.org/health/treatment-tests-and-therapies/dilation-and-curettage-d-and-cMissouri statute Sec. 1.205: Life Begins At Conception, unborn have protectable interests in life, health, and well-being, natural parents have protectable interest in the life, health and well being of unborn child - those are real actual words in missouri lawUnborn child is defined to include all unborn children or the offspring of human being from the moment of conception until birth at every stage of biological development MO Stat, Sec. 188.015 defines abortion, 188.017 makes them illegal, updated June 24, 2022"Conception", the fertilization of the ovum of a female by a sperm of a male;Notwithstanding any other provision of law to the contrary, no abortion shall be performed or induced upon a woman, except in cases of medical emergency. Any person who knowingly performs or induces an abortion of an unborn child in violation of this subsection shall be guilty of a class B felony, as well as subject to suspension or revocation of his or her professional license by his or her professional licensing board. A woman upon whom an abortion is performed or induced in violation of this subsection shall not be prosecuted for a conspiracy to violate the provisions of this subsection.  3. It shall be an affirmative defense for any person alleged to have violated the provisions of subsection 2 of this section that the person performed or induced an abortion because of a medical emergency. The defendant shall have the burden of persuasion that the defense is more probably true than not."Medical emergency", a condition which, based on reasonable medical judgment, so complicates the medical condition of a pregnant woman as to necessitate the immediate abortion of her pregnancy to avert the death of the pregnant woman or for which a delay will create a serious risk of substantial and irreversible physical impairment of a major bodily function of the pregnant woman;THOMAS'S CONCURRANCE: “For that reason, in future cases, we should reconsider all of this Court's substantive due process precedents, including: Griswold - contraceptive useLawrence - right to engage in private sexual acts (same sex)Obergefell - marriage equalityhttps://www.scotusblog.com/case-files/cases/dobbs-v-jackson-womens-health-organization/MAINE - PUBLIC MONEY TO RELIGIOUS SCHOOLShttps://www.scotusblog.com/case-files/cases/carson-v-makin/Holding: Maine's “nonsectarian” requirement for otherwise generally available tuition assistance payments to parents who live in school districts that do not operate a secondary school of their own violates the free exercise clause of the First Amendment.Actual opinion: https://www.supremecourt.gov/opinions/21pdf/20-1088_dbfi.pdfMaine residents in places with schools that don't provide secondary education can use tuition assistance for kids to attend other schools - previously could NOT use that money for religious schoolsRuling is that it violates the free exercise clauseAllows for use of public funds for religious instructionThe Free Exercise Clause of the First Amendment protects against “indirect coercion or penalties on the free exercise of religion, not just outright prohibitions.”Missouri case Trinity Lutheran v. Comer about using public money for playground equipment in 2017The “unremarkable” principles applied in Trinity Lutheran and Espinoza suffice to resolve this case. Maine offers its citizens a benefit: tuition assistance payments for any family whose school district does not provide a public secondary school. Just like the wide range of nonprofit organizations eligible to receive playground resurfacing grants in Trinity Lutheran, a wide range of private schools are eligible to receive Maine tuition assistance payments here. And like the daycare center in Trinity Lutheran, BCS and Temple Academy are disqualified from this generally available benefit “solely because of their religious character.” 582 U. S., at ___ (slip op., at 10). By “condition[ing] the availability of benefits” in that manner, Maine's tuition assistance program—like the program in Trinity Lutheran—“effectively penalizes the free exercise” of religion. Ibid. (quoting McDaniel, 435 U. S., at 626 (plurality opinion)).BREYER: The First Amendment begins by forbidding the government from “mak[ing] [any] law respecting an establishment of religion.” It next forbids them to make any law “prohibiting the free exercise thereof.” The Court today pays almost no attention to the words in the first Clause while giving almost exclusive attention to the words in the second. In a word, to interpret the two Clauses as if they were joined at the hip will work against their basic purpose: to allow for an American society with practitioners of over 100 different religions, and those who do not practice religion at all, to live together without serious risk of religion-based social divisions. We have previously found, as the majority points out, that “a neutral benefit program in which public funds flow to religious organizations through the independent choices of private benefit recipients does not offend the Establishment Clause.” Ante, at 10 (citing Zelman, 536 U. S., at 652– 653). We have thus concluded that a State may, consistent with the Establishment Clause, provide funding to religious schools through a general public funding program if the “government aid . . . reach[es] religious institutions only by way of the deliberate choices of . . . individual [aid] recipients.” Id., at 652. But the key word is “may.” We have never previously held what the Court holds today, namely, that a State must (not may) use state funds to pay for religious education as part of a tuition program designed to ensure the provision of free statewide public school education. What happens once “may” becomes “must”? Does that transformation mean that a school district that pays for public schools must pay equivalent funds to parents who wish to send their children to religious schools? Does it mean that school districts that give vouchers for use at charter schools must pay equivalent funds to parents who wish to give their children a religious education? What other social benefits are there the State's provision of which means—under the majority's interpretation of the Free Exercise Clause—that the State must pay parents for the religious equivalent of the secular benefit provided? NEW YORK - STATES CANNOT REGULATE GUNShttps://www.scotusblog.com/case-files/cases/new-york-state-rifle-pistol-association-inc-v-bruen/NEW YORK LAW required permit for conceal and carryRuling is that BASED ON THE 14TH AMENDMENT (YEAH THAT SAME ONE) it is an individual liberty interest protected by the 14th (that's not a joke) https://heartlandpod.com/Twitter: @TheHeartlandPOD"Change The Conversation"

In this episode, realtor Anthony Luevanos and lender Angel Luevanos explain whether a looming housing market crash is coming. We recommend watching this podcast on youtube so you can see the charts for yourself.Will a recession mean a housing market crash?No, a recession does not always lead to a housing market crash. In fact, of the last six recessions we had, only twice did home prices drop! Here's the data for home price change:1980 - 6.1% increase1981 - 3.5% increase1991 - 1.9% decrease2001 - 6.6% increase2008 - 19.7% decrease 2020 - 6% increaseAre we heading into a buyer's market? Some housing market experts like to compare our current market conditions to the 2008 housing crash. But we simply have a much different market. And in Los Angeles County, the market is even tighter, with 1.5 months of supply of existing homes for sale. That means it would just take 1.5 months for all the houses in the market to be sold if there were no more homes listed. We are talking about 5-6 months in a balanced market, so it's evident we just have way too much demand, given the current supply of homes for sale.Are we in a housing bubble?Here's what we know. Since the 2008 market crash:- Lending standards have tightened drastically, and borrowers' risk has been cut in half- The market is currently undersupplied by 5-6 million homes rather than oversupplied- Most homeowners are more cautious with their equity and have much more of it- In addition, experts predict home prices to continue to appreciate this year in the face of rising interest rates.Are we going to see a wave of foreclosures? We saw less than half the foreclosures in 2020 and 2021 than in any year from 2017 to 2019. And any foreclosures that do hit the market will likely have little impact. Here's why:- Most homeowners have enough equity to sell their homes. ATTOM Data Services also reveals that 41.9% of all mortgaged homes have at least 50% equity. - There are have a lot fewer foreclosures over the past two years.- The current market will absorb any new listings with the lack of supply.Will home prices go down? Across the board, home prices are expected to appreciate. The average of all seven forecasts is 9% appreciation for 2022:Fannie Mae predicts 10.8%Freddie Mac predicts 10.4%CoreLogic predicts 9.6% Home Price Expectancy Survey predicts 9%National Associaton of Realtors predicts 8.4%Zelman predicts 8.3%Mortgage Bankers Association predicts 6.2%Join thousands of homes for personalized market updates, special access to deals and raffles, and a free NFT:https://theluevanosgroup.com/homey

Liz, Rebecca, Alison and Monica discuss the “sleeper case” of the Supreme Court term which could upend prohibitions on government funding to religious schools. The lawyers break down the arguments from the case out of Maine, Carson v. Makin, and discuss ramifications and potential outcomes. Background Oral Arguments SCOTUS Blog The Atlantic - “The Sleeper SCOTUS Case That Threatens the Separation of Church and State” Slate - “The Supreme Court's New Religious Liberty Case Could Destroy Public Education”   Relevant Cases Trinity Lutheran v. Comer (2017) Espinoza v. Montana Dept. of Revenue (2020) Zelman v. Simmons-Harris (2002) Locke v. Davey (2004) Widmar v. Vincent (1981)

Bruce, turn around!! Ian is a toxic therapist and your dynamic is wildly unhealthy! I know you're a robot trying desperately to become human but this oversexed weirdo of a shrink literally colors in his coloring book instead of trying to listen or help you with your issues. Not even a nationalist former AOL disk deserves the fate of Ian's "creative" form of treatment! RUN AWAY!!! Bing bong! Bing bong! Have you heard the good word about the fantastically talented improviser and comedian Brandon Zelman?? Ya simply gotta follow him on Twitter @brandonzelman and on Instagram @whosethatpokemonpod --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/sigmund-fraud/support

What are the secrets to building a successful multifamily business?   In this episode, Charles Dobens joins our podcast to share his wealth of knowledge as a multifamily investor and real estate lawyer with more than 20 years in the industry. He is the founder of the Multifamily Investing Academy, which provides education and resources to aspiring multifamily property owners.   He discusses his experience during the market crash, practicing law and learning from the mistakes of his clients, and then later expanding into coaching other investors. Listen in and learn the do's and don't's straight from the multifamily mentor.     [00:01 - 04:07] Going All-in In Multifamily Charles talks about investing and why he went back to his law practice This is what he learned from being a lawyer to investors His goal for the next 10 years is to do 1000 properties with his students   [09:40 - 17:59] Market Crash and Money Matters Why did Charles and his team got caught up in the market crash? The type of financing that Charles is afraid of A problem that investors may face during a resale when the interest rate goes up Being conservative in rental increases is key Find out why he believes that the real estate space is overbuilt Charles' insight on assumptions How to take advantage of replacement reserves There's always a third party at the negotiating table Losing his earnest money and experiencing phantom leases   [18:00 - 19:52]  Adding Value As A Mentor His past mistakes help keep his clients and students away from bad deals Investing with his students' using his own money   [19:53 - 24:42] Closing Segment What Charles is curious about and looking forward to right now These are the books Charles recommends Reach out to Charles!  Links Below Final Words Tweetable Quotes “It's really not any type of financing. It's just not underwriting conservatively enough, not stressing your underwriting, such that your deal is going to survive if cap rates start to release and when interest rates start to go up. If your deal can't survive that, you might want to just sit back and wait.” - Charles Dobens “If you have to do an interest-only just to make your numbers work, and then you're going to, you know, convert in three years or so none. No, no, don't do that. You're overpaying for the property. I know you can fix anything on a multifamily deal except overpaying for the property.” - Charles Dobens -----------------------------------------------------------------------------   Connect with Charles! Check out the Multifamily Investing Academy website if you want to learn more about MultifamilyOS. Follow Charles on LinkedIn, too.   Resources Mentioned: Zelman & Associates Ready, Fire, Aim by Michael Masterson Willpower Doesn't Work by Benjamin Hardy 2030 by Mauro F. Guillen Big Shifts Ahead by John Burns, Chris Porter Connect with me: I love helping others place money outside of traditional investments that both diversify a strategy and provide solid predictable returns.   Facebook LinkedIn   Like, subscribe, and leave us a review on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on.  Thank you for tuning in!   Email me → sam@brickeninvestmentgroup.com Charles Dobens  00:00 If you buy a property on an assumption, you're doing that seller a huge favor. That guy ought to be kissing your behind at the closing table to get... because one of the things about an assumption is the replacement reserves. So if this guy has been on the property for the last three to five years, and he's been banking the replacement reserves, you know, instead of using it to build up his collateral and protect the collateral, he's been banking it now he's got $100,000 in the replacement reserves.    Intro  00:31 Welcome to the How to Scale Commercial Real Estate Show. Whether you are an active or passive investor, we'll teach you how to scale your real estate investing business into something big.     Sam Wilson  00:39 Charles Dobens is the multifamilyattorney.com, the founder of the Multifamily Investing Academy and the creator of MultifamilyOS program for entrepreneurs looking to build a successful multifamily real estate investing business. Charles, welcome to the show.   Charles Dobens  00:56 Hey, thanks for having me, man. First of all, is that a real background? Or is that one of those virtual ones? I love it. You see, when I'm in my studio, I've got the real thing too. And I go back and I grab those books off the back, because, you know, and I hold them up. So yeah, that's cool. I like it. I like it.   Sam Wilson  01:11 Thanks, man. You know, what it does, though, is that on days like today, where I walk in the office, and I set stuff on the shelf behind me? ... you don't have stacks of papers... you just reminded me that I got garbage on my shelf. Thanks for that.    Charles Dobens  01:26 Yeah, I have.... Part of my program for my students is, you know, they get a virtual assistant. And so we do a virtual assistant meet up every Monday morning just to touch base with all my VA's. And, you know, I look at their backgrounds, I think, wow, those guys live larger than I do. They have beautiful places behind them like no, they don't. But they don't...   Sam Wilson  01:44 Charles, there's three questions. I asked every guest who comes on the show: Where did you start? Where are you now? How did you get there? But tell me in less than 90 seconds.   01:52 Okay. Where did I start? Physically, geographically, I'm out here in the Boston area. Always wanted to own multifamily property, was running an insurance company, had about 35 employees, gonna put me in an early grave, hated it told my wife, I can't do this anymore. What do you want to do? I want to own apartments, went out there and started owning apartments, did incredibly well. Market crashed, kept some loss aome. That's when I started practicing law. I was a lawyer beforehand. But I was representing clients of mine, friends of mine, who are losing their property. And I realized, man, why did you buy this property in the first place? This property you'd never should have acquired because it's a dog. And then I thought, I realized that man, these people are being taught the wrong way to run multifamily, own and operate multifamily. And that's when I started coaching and mentoring. And I got to tell you, I own plenty of properties. I don't need to work. But this is my calling. I love helping people in this field with my law practice, with consulting, and I just got off the phone with one of my clients working on a deal. We're going to make an offer on a property today. I am just always involved in all my students' deals, making sure they do everything right every step of the way. And I want to buy 1000 properties for my students, meaning I want it or not 1000 units. I did that a long time ago. I want to do 1000 properties for my students over the next 10 years. And that is my goal. That's what gets me up in the morning and makes me run.   Sam Wilson  03:17 That is awesome. I love it. 1000 properties without, you know, what is that eight per month, eight and a half?   Charles Dobens  03:23 Yeah, and but the thing is, I started I've been doing this for 10 years, so I kind of a little head start on the 1000 goal. So, but you know, when I'm 82. When I hit 82 10 years from now, Sam, I want it to be, I'll be out 1000.   Sam Wilson  03:37 That's awesome. I love it.   Charles Dobens  03:39 If you do the math there, pal. 10 years from now I'm gonna be 82 that means I'm 72 today, right?   Sam Wilson  03:44 I'm with you. I'm not gonna make any comments.   Charles Dobens 03:47 I know, but what? You can't tell me I look good for 72? I mean, you should be saying... You know, what you're telling me now by not saying anything, is like... 72, yeah.   Sam Wilson  03:56 Yeah, ridden hard and put away wet, Charles. That's what I'm thinking, buddy.   Charles Dobens  03:59 That is such a Nashville expression foul.   Sam Wilson  04:03 Hey, man, I'm here in the south. And I'm in Tennessee. Tell me about this. In '08, you owned apartments. You kept some, you lost some. What happened?   Charles Dobens  04:11 Yikes. So that was how you got caught because you were able to make your debt payments all the way up until you couldn't refinance out of shorter-term debt.   Charles Dobens  04:11 Man, the market crashed. You know, the thing is we bought them all the right way. At that time. You know, it was the height of the market. We never, never missed a payment on anything in all the time that we own the property. But the cap rates were compressed to begin with. And then when the market turned when Fannie and Freddie filed bankruptcy and the world collapsed, the cap rates started to inch back up and it's back up. And that's when we, you know, when the terms were done on some of these properties, we couldn't refinance, you know, we'd have to go back and raise more money just to refinance it, and we just, you know, non-recourse loans, which is the only way to go. We just dropped them on the bank's desk and, you know, shook hands and partner friends and you know, fortunately that's one of the nice things about multifamily investing is you know, all these other single-family homes owners were losing their shirts. It's a business. And we just moved on to the next deal, so...   Charles Dobens  05:14 Right. And so, you know, that's what's going on. Now, you're looking at some of these cap rates and the compression of these cap rates and they can't compress anymore. Now we're starting to see inflation, interest rates go up, you know, and people's investment strategies right now, is only hoping the market continues to do what it's been doing for the last 10 years. And that's not going to you know, as Paul Moore says, trees don't grow to the sky. At some point, there's going to be an adjustment, and these people are going to get caught the same way I was.   Sam Wilson  05:46 Is there any type of financing that you're afraid of right now?   Charles Dobens  05:49 Oh, well, you know, you see these interest only's. And when there's no amortization, okay, that's fine. But you're seeing the interest rates starting to creep up. It's really not any type of financing. It's just not underwriting conservatively enough, not stressing your underwriting, such that your deal is going to survive if cap rates start to release and when interest rates start to go up. If your deal can't survive, that you might want to just sit back and wait.   Sam Wilson  06:17 What are you on an exit cap? What are you having people plug in as a general number right now?   Charles Dobens  06:24 Well, general number is about 10 basis points per year. So you know, if it's if you're going to hold it for five years, looking at least half a percent higher cap rate, that's a textbook, that's like just right out of the gate textbook. But what you have to think about is interest rates are going up. We already know that. Now, I see some of these gurus out saying no, that's okay. You know, you're locked in at this particular interest rate. It's not you that's going to have the problem. It's the person you have to sell the property to, right, that is the problem. And that problem is going to become yours. If they can't purchase that property at the valuation that you created your exit strategy at, you're going to lose. And you know, I tell you, I was, I don't know if you know Corneilous Cannon. And he has this event called the shark pool. And I'm one of the sharks where I evaluate other people's deals. These guys get on there and start talking about their portfolio and they're talking about this new deal coming up. And they see Yeah, we have a property in Lexington, Kentucky, blah blah, and I'm looking at on the screen. I'm looking at the properties. Wait a minute, what's that property right there? Oh, yeah, that's a property in Lexington. I said, Oh, and then the guy goes out and say, Well, yeah, we've really stressed it. But we don't feel as though interest rates will climb so much. That'll really devastate the property. We still think everything's gonna be fine. And I said, I just felt like the old guy. Okay, let me tell you a story. I said, back in 2008, a month before Fannie and Freddie went bankrupt. I purchased a 222-unit apartment complex in Lexington, Kentucky. And right away, Sam, you can see the both of their eyes, like bugged out, because they knew I'm talking about their property. I said, and they said to you buy Preakness, I said, I own that property right before it crashed. Nobody saw anything coming. I had to give that property back to the bank. And as I'm on the call the shark pool with them, I'm pulling up the costar report. And you can clearly see, I bought it for seven and a half million, gave it back to the bank, they sold it to somebody for 3 million a year later, that guy sold it to these guys like three years later for 7 million. So that guy between me and them walked away with 4 million bucks in the bank because he was patient, and he waited. And sometimes, you know, I look at that deal of like I lost my shirt on that deal. And this guy made 4 million bucks. It's crazy.   Sam Wilson  08:43 What were those buyers other than paying 7 million bucks for, what are the things that did not take into account besides rising interest rates?   Charles Dobens  08:52 Oh, wait, those people, the people that were on the shark pool? Well, oh, I don't know, when they bought it for the 7 million they could have bought it... If they bought it three years ago, four years ago, bravo. They're gonna make a killing on that property, good for them. But you know, if they bought it last week, they might have been paying top dollar for it and interest rates are on the climb. And you know, Lexington, Lexington is a good market, but it's, you know, a secondary, tertiary market. And so we got to sit back and wait, I hope they have a long... what you have to do. Okay, so getting back to your question about what the problem with loans today, the only thing that I would be very leery about whenever I'm looking at getting into any type of financing today is you need a longer-term than usual. Don't bring me a three or five-year deal. I'm not interested. You know, not only that, but some of the investors that I work with aren't interested either because they're looking for places to park their money right now to take advantage of what's going to happen with inflation.   Sam Wilson  09:45 Right. And I guess that would eliminate you, you know, from the ever very popular bridge debt that people are using right now.   Charles Dobens  09:52 Yeah, you know, but that's okay. Bridge debts. Okay. If it's a true value add if you're just trying to do bridge debt just to get into the deal. No, no, no, no, that's not the way to do this. I mean, if you have to do an interest-only just to make your numbers work, and then you're going to, you know, convert in three years or so none No, no, don't do that you're overpaying for the property. I know you can fix anything on a multifamily deal except overpaying for the property. So just don't do it. You're better off walking away, waiting a couple of years and picking up that type of property on when somebody else loses their shirt on it.   Sam Wilson  10:24 Yeah, which may yet happen other than putting in a 10 basis points a year what you said is just a bare minimum as an increase in the exit cap rate. What other things are you guys underwriting? What things are you doing? You feel like you're unique that your underwriting, they're kind of keeping you guys out of potential hot water?   Charles Dobens  10:40 You know, one of the things is being a lot more conservative on the rental increases, I'm going to sticking around to 3% is going to be the top number. You know, and if you listened, I did a podcast with Ivy Zelman. The woman is brilliant. She saw the 2008 crash coming. I had her on my podcast, I said it you know, this is different than 2000. And we're not going to have the same problems we had back in 2008. And I said it's you know, we have much more sound underwriting, the demand for our product is so high. And then she just kind of laid me flat which says we are already overbuilt. And I said I'd be Wait, what Whoa. I mean, I've got a waiting lists. You look at all these properties, 100% occupancy. This is a note we are already overbuilt. If you go look at all the starts that are on paper that are supposed to happen in the next three years. It exceeds demand. And we are already overbuilt. And like wow, okay. That's interesting. And yeah, so she kind of like laid me flat with some of the statistics that she had Zelman associates.com. And, yeah, it just hurt what she said made me open up my eyes. And one thing that she said, Sam, that just as a.... she says, all of these homes, there's high demand for homes where you know, you're bidding way over price. The reason why this is happening is many of these home purchases are not first home buyers, or first homeowners, meaning these are their second homes, and sometimes their third homes. And so these people are buying homes now, they own three homes, and I own three homes sitting there listening to tell me the story. And I'm thinking to myself, Wow, and when the market changes, when interest rates go up, when things started to tighten up, you're gonna see people starting to dump those second and third homes to protect themselves. And that's when it's going to come really home to roost.   Sam Wilson  12:23 Right? Yeah. When the market gets flooded with inventory. Yeah, back to the old days, supply and demand, it's gonna hurt us all. So absolutely. Tell me about a time or money mistake you've made? Or maybe it cost you both time and money.   Charles Dobens  12:38 Okay, let me see. So many of them. But you know, one thing that I found out the hard way early on in my multifamily world, was how assumptions work. If you buy a property on an assumption, you're doing that seller a huge favor, that guy ought to be kissing your behind at the closing table to get... because one of the things about an assumption is the replacement reserves. So if this guy has been on the property for last three to five years, and he's been banking the replacement reserves, you know, instead of using it to build up his collateral and protect the collateral, he's been banking it, now he's got $100,000 in the replacement reserves. Do you know what happens that money at the closing table?   Sam Wilson  13:26 Becomes his.    Charles Dobens  13:27 It's his. And you know, what you have to do?    Sam Wilson  13:29 Put in the replacement reserves.   Charles Dobens  13:31 That just... if you were doing a new money purchase, would you have to do that? No, you wouldn't have to come up with another $100,000. On day one, just because this guy didn't spend a dime on his property for the last five years. That's crazy. So I make sure now in all my letters of intent, that one of the things if it's an assumption is the seller has to spend that reserve down to zero or transferred to me at closing. That's the number one thing. And the other thing too is. The problem with assumptions is when you're negotiating an assumption, there's always a third party at the negotiating table. And sometimes that third party is silent, right up until the closing date. So on one assumption that I did I negotiated was 12% down. All I had to come up with was 12%. And that, what a great negotiator, I am looking at me go. And my returns were phenomenal. Two weeks before closing, the bank comes back and says, Hey, we noticed that you're putting only 12% down, that's not going to work for us. You need to put more skin in the game, you need to put down 20%. And I was like, Well, how can I do that? I've got a contract. I've got a purchase price. You've got a fixed mortgage amount. The difference is only 12%. Where do you expect me to put this 8%? They said, great question. You know what we are, we're a bank. And you're going to put it with us. And you are let it sit there and it's just going to sit there you can't spend on the property. We just want that there. And so I had to come up with an additional eight percent two weeks before the closing, I lose my earnest money. And that was, you know, had I known, if I had to do the assumption, if I didn't have to do the assumption, everything would have been fine. But because I had to do the assumption, I had to come up with that extra money that just sat in a bank account, I mean, it just killed the cash on cash return, because it's additional money in with no return on it. And it was a terrible deal. And the other thing, too, is, you know, so now I have a provision to protect myself in my off LOIs, that state, if the bank changes any of the economic terms, I get to walk, right, here's the thing about this, Sam, is that you go back and you read any contract with a bank, any mortgage, and any note, it clearly states the deal will be is assumable with no change in the economic terms, it says that right there. But you know who the third party is at the table? It's a bank and banks change contracts every time, anytime they want. So that's something that I found out very early on, and that cost me a lot of money. It killed the deal for me. Yeah. So that lay on top of that. Oh, here's another one. Let me give you another one. Same deal. And because this assumption went on for five months, the bank just dragged their feet. It was Wachovia. Okay, do you remember the nickname from Wachovia? No, walk all over? You walk all over you? Yeah, right. That's why they're no longer in business. So it took them forever. But here's the mistake I made early on in a contract is that I was only allowed to inspect the property in the first 30 days. After that, I'm done. I can't inspect it anymore. So for the next four months, whatever happened on that property, I couldn't go on and see it. So now my contract, say, Hey, I got to see it right up until the end, right after the closing date, I can get in there. And so we kept getting from him certified rent rolls, showing that the property was 96% occupied right up until the closing date. 30 days later, I'm calling up my property management company screaming saying, Hey, guys, you gotta go knock on doors, you've only collected 50%of  the rents this month, I need more. He goes, Charlie, there's no money left to collect from I said, No, there was 96% occupancy when we took over Charlie, I've never seen a case of fraud so badly in my life. And I said, Wait a minute, you can't just throw out the term fraud, you got to give me some evidence. He said, Charlie, I found the evidence for you. And they faxed me over eight leases. And these eight leases, you could tell that the previous property management company had taken these leases and just photocopied them, because the same white out was in the same place on all eight, and three of the eight, they forgot to change the name of the property for my property. And it was the name of a property that the owner owned down the street. So that was a perfect example of phantom leases. The property never recovered. That was a disaster. So yeah, thanks for bringing that back up. Sam, I really appreciate you making me walk down that memory lane, buddy.   Sam Wilson  18:00 You know, but those are the things that I think there was a value in having a mentor having a coach having someone looking over your shoulder doing this. I don't know how many hundreds of 1000s or millions that may have cost you. But it's that one mistake that I think that's all you need when you bring somebody like yourself on board to say, Hey, buddy, don't do that.   Charles Dobens  18:20 Yeah, absolutely. As Bill Gates: success is a lousy teacher. And if I'm able to keep my clients, my students out of bad deals, and they do everything right. And, you know, part of what I do with my students is I remove the exuberance from the decision making, you know, they're all excited to read that oh, well, let's do this is gonna be right as it now this one's a bad deal. No, you don't understand. Oh, yes, I do. Oh, yes, you know, so that's the key.   Sam Wilson  18:49 Right. And so on that front, are you strictly doing, you know, the coaching and helping your students? Are you also an active investor yourself?   Charles Dobens  18:57 Oh, yeah, I'm an active investor. But the thing is that I invest my students' deals, but I use my own money. I don't cut a deal where, you know, like, if I, you know, you hire me on I keep a certain percentage of the deals that I do for your No, no, that one could get me in big trouble with the bar association because even though I'm not their attorney, I still have to, you know, live by the canon of ethics of a lawyer. And if I can't give objective, legal advice or advice, if they know that the advice I'm giving them is contingent upon whether I'm going to get paid or not, then you know, any advice I give is construed, could be construed as bad advice, because it's not objective. I have to always remain objective, arm's length. So I but I do invest in some my students deals, I see some good ones. And I definitely want to get my money in on those deals. So yeah.   Sam Wilson  19:45 For sure, I mean, that's the two things that this industry revolves around, deals and money, and, you know, when you find a good deal, it's time to get in. What's something you're curious about right now?   Charles Dobens  19:55 Oh, you know, I guess the thing that I'm most curious about is the future are, you know, I'm excited about I love that... Dan Sullivan has a saying he says old is your desire for days in the past is greater than your desire for days in the future. And I think about when the doctor came in and told my dad at 82 years old that he was you know, he had like 24 hours left. His first reaction was, darn it. I just wanted 10 more years. And I like man, that's the attitude I want to have on my deathbed. I was like, Man, I just want to keep going. I'm having too much fun. So I'm curious about the future. I'm so looking forward to it. You know, whatever God gives you. I love that saying the first casualty of 911. from the floor, Fire Department in New York. The first firefighter was the chaplain. I mean, this is how they're saying it. He was hit by debris. And they said, you know, on his eulogy, they said, he said, You want to make God laugh. Tell him what you're going to do tomorrow. Yeah.   Sam Wilson  20:52 Right. Yeah, that's pretty good. I love it. Tell me a book you're reading right now.   Charles Dobens  20:56 I'm reading so many of them. So I do audible. I have Book of the Month Club for my students. We're having it this past coming up. It's an oldie but a goodie. It's Ready, Fire, Aim by Michael Masterson. And it's, I tell you that one is... I watched so many... I teach my students that multifamily is a sales and marketing business. And I set them up with a CRM with 1000 properties in it in their marketplace, I set them up with a VA, I give them all the tools to be a success. But they have to understand that if they don't realize that their job is sales and marketing, they'll never make it in this business. And the whole thing that Michael Masterson talks about is, you know, so many new entrepreneurs are so concerned about their website, about the logo, about the business cards, and they never think about who the customers. And so that is from Ready, Fire, Aim. That's that one I just did right now willpower, and what's the one on willpower by Benjamin Hardy can't remember the full title. But that's a good one. That one teaches you that willpower has less to do about you than it does about the environment that you're in. So set yourself up in an environment that you can achieve success. Another great one that I'm doing is Mauro Guillén, this one... You hear me talking about multiple books, I'm switching at Audible all the time going back and forth, especially because you take a book like 2030 by Mauro Guillén, this is like the follow up to Big Shifts Ahead, which is another great book, but Big Shifts Ahead was written from for the period about 2015 to 2025, talking about what's going on in the marketplace, I had that that author on my podcast as well. So obviously, we're coming up to 2025, the next book behind is 2030. And the thing that he says in that book, which I so agree with, is that the definition of an entrepreneur is virtually the exact same definition as an immigrant, when you look at the two that I mean, that's why for this country to survive, with all the trillions that we're spending, the only way we're able to survive this ridiculous spending program from our government. The only way is by bringing on having a very exuberant immigration policy, bringing in the best and the brightest from around the world. That's the only way this country is going to survive. Otherwise, we're just going to implode I can keep going, man, I got so many great books. I'm always grabbing you know, little kernels out of them. But those are the three that this so far this week I've already been into.   Sam Wilson  23:18 Absolutely love it. Charles, thank you for your time today. I've had an absolute blast learning how you coach your students, you taking the time to really, you know, tell us the hard learned, hard earned mistakes, what those have taught you, and how not to repeat them. You know, you've given us obviously some great reading material there and yeah, man, I've certainly really enjoyed this conversation so...   Charles Dobens  23:41 So did I get a shirt? Did I qualify for a shirt?    Sam Wilson  23:43 You did.   Charles Dobens  23:49 I bet you you look awesome.   Sam Wilson  23:53 Charles, if our listeners want to get in touch with you, what is the best way to do that?   Charles Dobens  23:56 mutifamilyos.com, Multifamily Operating System but the website is multifamily os.com tracked me down there and we can chat more or multifamilyinvestingacademy.com. That's the parent agency of the multifamily OS program. And the best way to get a hold of me.   Sam Wilson  24:12  Awesome, Charles, thanks for your time. I appreciate it.    Charles Dobens  24:15 Thanks, Sam. Good to see you, man.    Sam Wilson  24:16 Hey, thanks for listening to the How to Scale Commercial Real Estate Podcast. If you can do me a favor and subscribe and leave us a review on Apple Podcasts, Spotify, Google Podcasts, whatever platform it is you use to listen, if you can do that for us, that would be a fantastic help to the show. It helps us both attract new listeners as well as rank higher on those directories so appreciate you listening. Thanks so much and hope to catch you on the next episode.

Have you ever wondered how much impact beer, wine, and spirits have on your health and longevity? The US Dietary Guidelines recommend limiting the number of alcoholic beverages we consume, but that can be pretty confusing. How do we even know how much alcohol is considered moderate and how much is too much? Or if we're offered a cocktail at a party, how do we know how much alcohol is in it? My friend, and fellow dietician, Kathleen Zelman is joining us today to answer all those questions and tell us how moderate alcohol consumption can affect our health. She will also explain how alcohol can sabotage our well-being and longevity. Kathleen Zelman is a food, nutrition, and media communications consultant, co-host of the new podcast, True Health Revealed, and owner of No Nonsense Nutrition. Kathleen helped launch WebMD and spent seventeen years as their Director of Nutrition. Kathleen has received many awards throughout her career, including the prestigious Lenna Frances Cooper Memorial Award from the Academy of Nutrition and Dietetics in recognition of her distinguished career and remarkable contributions to the dietetics profession.  Kathleen is also a consultant for the Distilled Spirits Council (DISCUS), so she is savvy on the subject of alcohol. She is here to give us the scoop on alcohol and talk about a new online calculator designed to help us figure out how much alcohol we are drinking. We will also share some snazzy ideas for cocktails and mocktails! Show highlights: Kathleen is excited about her new podcast that launched in January! She and her co-host, Dr. Tom Rifai, are doing it on behalf of the True Health Initiative, a non-profit organization that wants to ensure that they get information to consumers, translate science, and give consumers evidence-based facts.  Dr. Eric Rimm, a Harvard professor and true expert on alcohol, was on Kathleen's podcast. He said it's okay to have a glass of wine now and then.  What does moderation mean for men and women, and how does that translate into beer, wine, and spirits? To find out what up to one drink per day looks like, go to www.standarddrinks.org to find a calculator. One standard drink is one and a half ounces of 80-proof spirits, a 12-ounce bottle of regular 5% alcohol beer, or five ounces of 12% volume wine. An exercise to do at home is to measure five ounces of wine and pour it into different glasses to see what a standard drink looks like. Become aware of what you are drinking and what the alcohol content is. Most wines have 12% alcohol, but some have much higher alcohol content- 15 or 16%. Most ready-to-drink canned cocktails are 12 ounces and have 5% alcohol content. However, some brands could contain up to 8 or 10% alcohol, so make sure you know how concentrated they are before drinking them. The information is on the label. Get to know how much you are drinking using the standard drinks calculator. Kathleen explains how it works. Having too many drinks in a row or drinking too quickly is considered binge drinking. It is always best to moderate your drinking or have your drinks with food. Why does one type of alcohol impact some people more than another?  If your face becomes flushed after drinking, it is your body telling you to slow down. It means you are not tolerating the alcohol. Kathleen discusses the potential health benefits of drinking in moderation, whether or not there is any truth to the French paradox, and how drinking too much alcohol can sabotage your health. Kathleen lists the people who should not consume alcohol at all.  Some tips to help you enjoy alcohol, reap the health benefits and make your drink last longer.  A standard drink contains roughly 150 calories. Calories add up, so try to use low-calorie mixers, like club soda, and DON'T drink with a straw! Kathleen enjoys a tall vodka soda with a splash of cranberry and a wedge of lime. Her latest favorite is the Aperol Spritz- a serving of prosecco over lots of ice with a splash of Aperol and a wedge of lime.  Kathleen and I share some recipes for mocktails. They are a good option for a “dry January” or taking a break from alcohol. Blue zones are hot spots in various places in the world where people live particularly long and healthy lives. One of the common denominators in all the blue zones is moderate alcohol consumption. Kathleen talks about the Distilled Spirits Council of the US (DISCUS) and explains what you will find on the DISCUS website.   Resources: The standard drinks calculator  The Distilled Spirits Council (DISCUS) website is called Standard Drinks.Org   Liz's Links:  My website: www.lizshealthytable.com   My email: liz@lizshealthytable.com    Mocktail Recipe: Pomegranate Winter Spiced Mocktail (Serves 2) Place a cup of 100% pomegranate juice, a cup of 100% orange juice, some cloves, star anise, and a cinnamon stick in a small saucepan. Let it simmer for about 15 minutes, and then allow it to cool.  Pour it into a tall glass filled with ice, and garnish it with some orange slices or a wedge of orange. You can also add a sprig of mint. Or stretch it by adding some sparkling water.

Have you ever wondered how much impact beer, wine, and spirits have on your health and longevity? The US Dietary Guidelines recommend limiting the number of alcoholic beverages we consume, but that can be pretty confusing. How do we even know how much alcohol is considered moderate and how much is too much? Or if we're offered a cocktail at a party, how do we know how much alcohol is in it? My friend, and fellow dietician, Kathleen Zelman is joining us today to answer all those questions and tell us how moderate alcohol consumption can affect our health. She will also explain how alcohol can sabotage our well-being and longevity. Kathleen Zelman is a food, nutrition, and media communications consultant, co-host of the new podcast, True Health Revealed, and owner of No Nonsense Nutrition. Kathleen helped launch WebMD and spent seventeen years as their Director of Nutrition. Kathleen has received many awards throughout her career, including the prestigious Lenna Frances Cooper Memorial Award from the Academy of Nutrition and Dietetics in recognition of her distinguished career and remarkable contributions to the dietetics profession.  Kathleen is also a consultant for the Distilled Spirits Council (DISCUS), so she is savvy on the subject of alcohol. She is here to give us the scoop on alcohol and talk about a new online calculator designed to help us figure out how much alcohol we are drinking. We will also share some snazzy ideas for cocktails and mocktails! Show highlights: Kathleen is excited about her new podcast that launched in January! She and her co-host, Dr. Tom Rifai, are doing it on behalf of the True Health Initiative, a non-profit organization that wants to ensure that they get information to consumers, translate science, and give consumers evidence-based facts.  Dr. Eric Rimm, a Harvard professor and true expert on alcohol, was on Kathleen's podcast. He said it's okay to have a glass of wine now and then.  What does moderation mean for men and women, and how does that translate into beer, wine, and spirits? To find out what up to one drink per day looks like, go to www.standarddrinks.org to find a calculator. One standard drink is one and a half ounces of 80-proof spirits, a 12-ounce bottle of regular 5% alcohol beer, or five ounces of 12% volume wine. An exercise to do at home is to measure five ounces of wine and pour it into different glasses to see what a standard drink looks like. Become aware of what you are drinking and what the alcohol content is. Most wines have 12% alcohol, but some have much higher alcohol content- 15 or 16%. Most ready-to-drink canned cocktails are 12 ounces and have 5% alcohol content. However, some brands could contain up to 8 or 10% alcohol, so make sure you know how concentrated they are before drinking them. The information is on the label. Get to know how much you are drinking using the standard drinks calculator. Kathleen explains how it works. Having too many drinks in a row or drinking too quickly is considered binge drinking. It is always best to moderate your drinking or have your drinks with food. Why does one type of alcohol impact some people more than another?  If your face becomes flushed after drinking, it is your body telling you to slow down. It means you are not tolerating the alcohol. Kathleen discusses the potential health benefits of drinking in moderation, whether or not there is any truth to the French paradox, and how drinking too much alcohol can sabotage your health. Kathleen lists the people who should not consume alcohol at all.  Some tips to help you enjoy alcohol, reap the health benefits and make your drink last longer.  A standard drink contains roughly 150 calories. Calories add up, so try to use low-calorie mixers, like club soda, and DON'T drink with a straw! Kathleen enjoys a tall vodka soda with a splash of cranberry and a wedge of lime. Her latest favorite is the Aperol Spritz- a serving of prosecco over lots of ice with a splash of Aperol and a wedge of lime.  Kathleen and I share some recipes for mocktails. They are a good option for a “dry January” or taking a break from alcohol. Blue zones are hot spots in various places in the world where people live particularly long and healthy lives. One of the common denominators in all the blue zones is moderate alcohol consumption. Kathleen talks about the Distilled Spirits Council of the US (DISCUS) and explains what you will find on the DISCUS website.   Resources: The standard drinks calculator  The Distilled Spirits Council (DISCUS) website is called Standard Drinks.Org   Liz's Links:  My website: www.lizshealthytable.com   My email: liz@lizshealthytable.com    Mocktail Recipe: Pomegranate Winter Spiced Mocktail (Serves 2) Place a cup of 100% pomegranate juice, a cup of 100% orange juice, some cloves, star anise, and a cinnamon stick in a small saucepan. Let it simmer for about 15 minutes, and then allow it to cool.  Pour it into a tall glass filled with ice, and garnish it with some orange slices or a wedge of orange. You can also add a sprig of mint. Or stretch it by adding some sparkling water.

Rabbi Kalish & Yehuda Zelman in Purim by Rabbi Daniel Kalish

Jay P. Greene is a senior research fellow in the Center for Education Policy at The Heritage Foundation. At Heritage, Jay conducts and disseminates research on the key issues facing education today, including the cultural, civic, and economic implications of how education systems are designed and implemented. He is one of the country's leading experts on education policy, with highly influential research on a broad range of topics—from the effects of expanding school choice and how education shapes character and values to the misuse of social science research in policy debates. In addition to authoring dozens of publications in peer-reviewed journals and writing or editing four books, including the best-selling Education Myths, Greene's research on school choice was also cited four times in the Supreme Court's landmark case, Zelman v. Simmons-Harris. Produced by Show-Me Opportunity

Alan Ratner, Managing Director of Homebuilding Research at Zelman & Associates, and Kevin Green, Senior Derivatives Manager at Charles Schwab & Co., discuss the takeaways from Toll Brothers (TOL) earnings. They also talk about what higher rates mean for housing. They then go over why homebuilder stocks are falling despite elevated demand. Tune in to find out more.

"When I started out at Solomon, I was one of three women out of seventy in a training program. There were times that it was tough, but you power through it. If you rise above then you have this massive advantage, because the world needs women in business." - Ivy Zelman In this interview we are honored to speak with Ivy Zelman. Ivy is founder and CEO of Zelman and Associates and is a leading voice on housing market trends. She serves as an advisor for many home builders and investors and Ivy is best known for predicting the latest housing market crash when almost no one saw it coming. This is the second episode of our #womenwhobuild series. In this interview, we address the question of why we need more women in this industry. You will also find our talk helpful if you are a professional looking to build your courage, fortitude, and ability to think ahead. Check out our conversation about - Ivy's professional career path. From going to night school to being a heavily sought out expert - The outlook of the home building market - Advice for would-be trade professionals - How to be courageous when your ideas are unpopular - And how to thrive as a woman in a male-dominated industry Want more information on the Colorado Homebuilding Academy? Find us on http://cohomebuildingacademy.org/

Ivy Zelman is the CEO of Zelman & Associates and a highly respected thought leader for housing and housing-related industries. In 2007, she co-founded Zelman & Associates, a housing research firm that serves institutional and private equity investors, and executives from the homebuilding, real estate, mortgage finance and rental sectors, among others. We welcomed Zelman to discuss the current housing market, especially as it relates to Ohio. The conversation touched on instant buyers, the inflation/deflation debate, and how Zelman is giving back to the next generation of financial investors. To learn more about Zelman & Associates, click here.

Dramatic shifts in the global economy and consumer behavior turned the retail world upside down last year. Marketers are now coming out the other side to realize their pandemic contingency tactics are suddenly the new norm. In this episode of Ink Tank, Alison Linland, Movable Ink's SVP of Strategy, is joined by Josh Zelman, Senior Director, Customer Experience at Barnes & Noble, to reflect on a transformative blockbuster year for the retailer. Learn how Barnes & Noble pivoted their omni-channel approach to help weather a rocky 2020 and lay the foundation for successful 2021.

On this episode of the #FlipMyFunnel podcast, we give a huge shout out to all the moms. Whether they're full time working moms or stay-at-home moms, or anything in between, we couldn't do anything without them. Meg Zelman from Terminus is here to talk all about motherhood.   P.S. If you're interested in going to the 2018 #FlipMyFunnel Conference in Boston, use the promo code: ONETEAM to get discounts on your tickets.  Link to check out the conference and tickets and all that jazz: https://flipmyfunnel.com/2018-flipmyfunnel-conference/

Meg Zelman is one of our rockstars at Terminus. As a new mom, Meg has a lot on her plate. She likes to think of everything on her to-do list as either a glass ball or a rubber ball. Glass balls will break if they're dropped. Rubber balls will bounce for a little while. At the end of the day, far more things are rubber balls than glass ones. Give yourself some grace once in a while.

You've got a quota to carry & a number on your back. Sales can be a grind, but rockstar salespeople find a way to constantly up their game. Senior Account Executive at Terminus, Meg Zelman, shares her 3 daily hacks for being an incredible salesperson, including unique ways she learns from her peers, how to enjoy the long game of sales and working in some inspiration into her daily routine. P.S. If you're interested in going to the 2018 #FlipMyFunnel Conference in Boston, use the promo code: ONETEAM to get discounts on your tickets.  Link to check out the conference and tickets and all that jazz: https://flipmyfunnel.com/2018-flipmyfunnel-conference/