20 Episode results for "Allstate"
PHONE SCAM Doggy Door
"It is your home of the phone scams so this morning here on the show. We're going to do a phone scam. Their house was robbed. Spike is going to tell her that the insurance company will not pay their claim or replace anything in their home and wait until you hear the reason that he gives her. It's a mojo in the morning phone scam we will. We will scam you. Sorry it's a catchy song. Is your home phones scams mojo in the morning Hello i'm looking for terry or doug please turn. Guard is not available this as on your seller your home. This is actually steve stiffler. I'm calling from allstate insurance agency. How are you. Oh and now. You've been waiting for our calls. I understand been playing phone tag for quite a while. So i just want to call in and go over everything with you and explain why we cannot pay your claim because the owner is at fault and when it's a case of negligence we can't allow payment. I do not understand. Why well you have your simple basic run of the mill homeowner's insurance policy with limited coverage in it protects your dwelling from severe weather damage vehicle damage fire and smoke and theft and unfortunately it will not cover the personal belongings in your situation. But if you lived in kentucky man we'd have you covered okay. I have insurance. That covers i every month for insurance. I wanna know why you're not covering me. Okay i'll explain to you then if you have a minute Can i ask. What's your okay. Does name my your puppy. What's his his or her name. My point is the police believed the intruder entered your home through the doggie door so therefore we cannot cover loss from this criminal. Act if an intruder breaks in and steals valuables from your home. Your home policy covers it. But i don't even know if we would call this a break in they didn't break in. You rolled out the red carpet. They came in through the doggy door. Ever ever heard of this dog. We didn't secure the home. It's your own fault cheer as the garage. Not part of my ho- lived in kentucky you'd have full coverage. I don't live in kentucky. I live in michigan. And i pay coverage michigan. But does your doggy door have a lock on. It would be any good to have a lock on a doggy door. Let's he's gonna go ahead and use the key or a combination on just saying son of a. Unless you're on fire or menopausal. I would not allow you to scream in my year. Like this probably. I asked a question. You won't policy the insurance policy. No it's the whole policy to one two three. I'm trying to find out what kind of policy you have everything in front of you right. And that's my point and that's my point. I know kind of policy. You have and your argue with me about insurance transform your mouth for me. You are transfer you wear back to nineteen eighty two before your house was robbed. I don't understand man just trying to explain in this state policies. I if you had a homeowners in kentucky for instance that would be different. Because ma'am i'm just saying in this state they cover fire and lightning. They cover wings storms. Inhale right if you had coverage like we do explosions and riots if you had a problem with the volcanic eruption door wait with a lot awkward. That one no actually no. If you had a volcano and lava went through the doggy door. We could not cover that. What are you sound upset so what. You're being unreasonable. So what. I'm thinking. I could give you full coverage to replace everything in your house. Fit just wasn't theft. Were the victim of mojo in the morning. Phone scam this. This is spike. And you just been the victim of a phone scam terry. I can't tell if she's laughing or crying. Say one more time this is mojo in the morning calling from kentucky. Do you live in kentucky. If i can say anything. I wanted to say that was funny right there. L. care who you are is the home of the world famous phone scams mojo in the morning. Terry it's it's mo- wanna make sure you're okay so much better and i i'm i'm two things. My blood pressure is like calming down into the second thing. I'm i'm not vulnerable like this. I don't get shaken. I and i think it's worth sending mile to get more scams dot com.
Podcast: How To Finally Stop Procrastinating. | Tim and Julie Harris
"Welcome to Real Estate Coaching Radio starring award-winning real estate coaches and number one international bestselling authors Tim and Julie. Harris. Real Estate Coaching Radio is the nation's number one daily radio show for realtors who demand. Authentic, real time coaching. Get ready for flood free unfiltered full-strength honesty about what's working to get you into action helping others and making money now in today's real estate market. Or hosts Tim and Julie Hairs. Three to one, and we're back Julie Welcome to today's PODCAST topic that we're going to be covering the next few days is a topic that you have. Chosen based on the feedback from a lot of the questions and just frankly from decades of coaching experience and what we're going to be dealing with is specifically the seven types of fear we're in Milwaukee you guys through just the concept of the fact that really fear. At the end of the day, there's two types of fear and I'm not going to drill down on this now because we're gonNA, get to the first. Sort of the way that fear manifests in the form of procrastination but there's really an essence guys you'll learn to the series that. Are, GonNa present to you. Is that the fear that you experience when you do experience it is psychological fear and the nice thing about psychological fears that you can actually do something about it. You can change it you can actually choose not to feel the fear well, rather you can't choose to feel not fear feel the fear or not. That's easy for me to say but you can choose how you react to the fear ones you feel it and that's what we're GONNA be talking about this week. It's incredibly important. You guys drill down and stay focused because we are going to explain to you the cost of not moving past. The fear a mechanism having ultimate control of you. Okay. We're not going to be talking about anything spiritual or anything will or anything pseudoscience were GONNA? Be just dealing with straight up how to drill down get past feeling fear practical tactical stuff and I would challenge all of our listeners to just accept the fact that every single one of you has at least one of these fear factor's going on and some of. You may have more than one that are sort of working together against you. So do take good notes and of course, most importantly decide what you're going to do about it. Right. So before we get to the first point in the first point is procrastinator which is near and dear to Julius heart because that's fear manifestation that's plagued her and chased her most of her life and all of us do differing degrees. So before we get to the first point, might all of you if you're not in the free coaching program, there are still an opportunity for you to enroll. All you have to do is text the word survival two, three, one, nine, nine, six, text, the word survival two, three, one, nine, nine, six if you're one of our friends in the great white north money was kind. Enough to let me know yesterday the texts mechanism does not work in Canada. So you're going to have to go to the website directly to enroll and to do that it's simple. Go to Premier Dash experience dot net. It's Premiere Dash Experience Dot net but for everyone else other than those of you in Canada just text the word survival two, three, one, nine, nine, six, so. Julie. Let's talk about the procrastinator. Yes. So by the way, don't procrastinate texting get on that. Okay. So all right. We're talking about fear but the the first tenant is the procrastinator and you might put a slash next to that It's also known as a perfectionist, but procrastinators often obsess over the end product or outcome of whatever they're doing and they insist on being perfect. There's a perfectionist isn't coming in because of this they tend to spend too much time planning and researching instead of simply diving in they hold themselves back from even getting started in the first place. Now in real estate, these are the getting ready to get started to someday possibly take the first step if the planets are in alignment and the sun is shining, you've heard this before. Or an aversion of that, right. These are the agents who spent a year or at least months on their pre listing packages always tweaking and over engineering everything instead of getting it done and using it, I would put a lot of stuff in that category you might think of. You know some of them have wanted to do some videos and they've got a system but because they're not perfect at it, they get stuck and they never use it listing package. Sorry. Listing presentation by our presentation doing proactively generation of talk topic that's coming up. Yeah. Okay. So these are the you read my mind. These are the same agents who role play endlessly, but never call an actual prospect because quote they're not good enough yet on the script. So for Pratt procrastinators, what's the cure out of that second I've got four points of cure to the procrastinating the getting ready to get started crowd. Most of you guys listener are procrastinating, and again we're going gonNA focus on the things that you know our wheelhouse in your wheelhouse, which is being successful real estate business owners is what you guys are all spiring to. If not already, and the procrastination thing is not you cannot be a procrastinator and be successful in real estate or anything else of that matter. And July said a lot of really critical points and hope you guys were listening to getting ready to get started is where most of you guys are virtually all aspects of your lives you think about that be honest with yourself be introspective with yourself. Thing of all the things right now you're you're getting ready to get started to take seriously takes the next level. How many in Your House Hound little unfinished projects do you have in your house? How many? How many different things have you promised that you're going to get done this year that basically just been procrastinated until the cows come home but more importantly how many of you are actually doing the things that are actually going to lead to? A paycheck and you're not doing them because of the fact that you're procrastinating feeling like you have to learn more know what to say, and that's just all your ego. That's your ego trying to protect itself, and we're GonNa talk about that more and the future days that are to come their own the next five or six days. But the reality of it is that the procrastinator is the easiest thing to identify it's also the most insidious and destructive of. All the manifestations of fear. 'cause you never do anything. Yeah and in fact this, there's a lot of psychology to this is well, this is actually the first stage of mastery which is known as formulation formulation is the getting ready to get started to someday do something you're thinking about your planning at your tweaking at you're studying at you're doing a survey on facebook about it. Okay. So then you can't get to concentration which leads to momentum without doing this. Hey. Stand up i. have to read this. Here. All right. Here we're doing little office reconfigure as well. Okay. So what is the cure number one? It is important to push past that fear of starting getting written word when we switched your screen. Sorry. Okay. Getting started may feel like a big hill to climb. This is a quote from a psychologist, but you cannot edited or revise something that doesn't exist. Right so this is where you get stuck massaging something that actually hasn't been executed. So be careful not to place energy into a perfectly finished product instead use it. To troubleshoot an outline or an initial push, this is where agents get stuck. They don't actually learn anything because they're not actually doing anything. They're thinking they're doing something because it looks like work. I made sure I quoted the Right Person Sheryl Sandberg of facebook famously said done better than perfect. Actually you know it's funny. I was the one that tells you. She said that he actually was quoting somebody else. So she has competed that maybe it needs to know she she's the most modern famous person to have said that actually. Just wait at the end of the line I know what you're talking about. Julie's Super Energy knows exactly what I'm talking about Oh I. See looking at your notes. That's right. I told you a tool. Yes. So but delays to that point though with regards to the whole done is better than perfect concept that in itself right. There will be a revelation most people but I do want to loop this back into proactively generates versus passive just to drive this point home the problem with what everyone else is telling you guys to do for the sake of building your allstate business is that you will never actually you're always going to have A. Reason to procrastinate you're always going basically have there's no way to perfect what they're asking you to do. There's no way to actually ever get to some sort of psychological point where you feel completely comfortable with saying it's good enough because it's constantly changing look at I mean I'll use. This is a stupid example, but it's a good one look what happened with Tiktok what look what happened with all these different things with technology that you? Guys were being told by suppose gurus and coaches and the real estate industry investor time in. But look, you don't get business from it because there's no business to be had its all time wasting activity. What we ask you to do has a very discernible start nettle and finish what we're telling you to follow a system. What we're asking you to do in our coaching program does have a very predictable duplicate -able result whereas all these. Other things don't, and that's something you have to keep in mind because if you are a natural procrastinator as a new fall prey to believing that your future in real estate is dependent on your ability to be a social networking influence or whatever gimmick they're trying to sell you. Then that's going to make it so that you're procrastinating tendencies of combined with those bad ideas are going to never result in you ever actually taking any any. Real momentum in your business and Jillian I are working on might even end up being a book but we're R. We're at the point where we feel very confident that the failure rate for agents has actually increased since the normalization of all this digital stuff basically as a primary source of lead generation and what we have determined and what we're trying to you know. Absolutely, drilled down on using NAR statistics mostly as the number of the amount of time agents spent basically how long the average lasts in the business and what we think we've discovered so far that since two thousand seven, the average agent in the businesses like they're failing significantly faster thirty percent faster. And we can only surmise that most of them are going out of business at real estate carrying a bunch of debt from having basically been suckered into buying all the gimmicks how about that for a shot between the eyes as I don called truth. So if you're wondering why you're struggling, it's not because you don't have the aptitude or the intelligence. So the desire the motivation you don't need to work on your mindset. You just aren't doing the thing that's going to put you in a position to help people and make money. It's not there's nothing wrong with you. There's something wrong with the path you're falling. So for most of you that should feel really great and understand that if you were like nine percent of everyone out there who your natural procrastinator. The defense mechanism at the end of the day but if that's who you are and you're trying to basically make social networking work, you're never the worst combination of a behaviors. You can actually ever exhibit if you ever hoped to basically be successful well, it's pretend work. Basically, you know it looks like something that's going to result in something and yet it's just a former procrastination. So let's see point number two. What is the cure for this for are perfectionist procrastinators in real estate there is little, which is actually perfect. You're dealing with people you're dealing with contracts with houses with inspections, you're not going to have perfection but. As I said in many my perfectionist clients be perfect at the things that do matter right clean contracts follow a specific process be relentless in your pre-qualifying and let the rest go. This actually comes out a lot in our coaching and premiere when agents get into some kind of difficult situation. The answer is always do what the contract says and this means that you can't negotiate intact. You can't do goofy stuff like that. There are some things that you can exercise that perfectionist muscle in, but it's not much real estate. You GotTa let the rest go. Point three realized that taking the first step is the most important and that the steps after might not even be what you think. So spending time guessing at what's next just waste time if you were to go back and interview yourself, you know week one of having your license and asked that beginning licensed Tim, you know what are the steps to enlisting your answered be completely different than after you had done ten actual listing appointments, right? Let alone after twenty or thirty or fifty thousand. Thousand I mean for sure. Yeah. Definitely. To over engineer guessing when you haven't done the action is just a waste of time. So basically, everything you've said so far as far as kicking the ass of this procrastination problem really is just falling approving plan, right? Yes. I mean at the end of the day, that's it and we have lots of them the seven steps listing. Process the pre-listing package, the scripts etcetera, and the procrastinator who with no. But if I'm reading this and I have, let's say a undiagnosed procrastination problem. So to try to make it sound medical here though certainly not physicians. But if I'm reading through these things and I have an undiagnosed procrastination issue and that's become who I am I am the procrastinator by procrastinating I never. Make my else self uncomfortable because I've never actually putting myself in a position where you know I could hear the word. No, it's just never had. You know there's all kinds of psychology they come that reinforces being a procrastinator. The last thing I'm going to be one it'd be told to do is follow a proven path because then I'm going to have to let go. Of this wonderful crutch I've had all my life call procrastination share and you're going to have to be accountable. That's right which is not something of normal procrastinators going and that's why the next point number four is really critical set specific but attainable goals, right. So if you're working on the treasure map which you get when you text three, one, nine, nine, six, texts survival. Thank you have your treasure map, which is your business plan you're going to get that and you're gonNA look at it go. Gosh this is pretty robust I'm GonNa have to do some work here. Give yourself one week to complete it do the first part, my financial picture being clear about what you have to earn in real estate. Don't just look at it and get overwhelmed and say, Oh, well, I'm not GonNa do this because I don't have time to do every single page. Perfectly a must you the first page of your points there Julie which is the first time seeing is we'll tell you my mind went as well as that. You're I know I know is that your? With. This is all against spending around this like when I when I sponsor somebody at X. When we bring somebody into our XP royalty family if you guys want to talk to Julian up during our XP family, just feel free text me directly on my cell phone, which is five, one, two, seven, eight, Oh two, oh, six, five, one, two, seven, five, eight, Oh, two Oh, six if you're just curious and you're just getting started. Text the word e P. Two, three, one, nine, nine, six, and we'll text back a fantastic nine that video that walks you through all the reasons why you want to join espn answer all your questions. So if you're ready to join today just text the word I'm sorry just texted me directly at five one, two, seven, five, eight, Oh two oh sex, and if you want to just if you're esp curious just text the word. P. Two three, one, nine, nine six. But here's here's what I was going to tell you is that every single person I've ever talked to when they join the XP, and they realized the potentially XP has specifically for sponsoring agents. That's where their focuses, which is not everyone but most people they get it is they always overcomplicated and overcomplicate to a level that is just absurd. They don't WanNa accept the fact that there's a proven path to fall. They think their egos tell them that they. have to create these complicated bundles and this and that, and the other thing. They don't just want to again adapt to its there and follow the path that's there for them to follow. They don't WANNA realized they don't want to accept the fact that it's I don't WanNa use the word easy. It's not easy but they don't want to accept the fact that they don't have to create anything. They can just fall in the footsteps of others learn what to say learn how to say it. Learn what to do how to do it. The whole thing is right there in front of you. If you want to get into, ESPN start sponsoring agents you know and yet ninety nine point nine percent of all the people I ever talked to they immediately try to over complicate things in the same thing happens when people get into real estate yes absolutely they do they start listening to all these social networking gurus quote unquote they start doing all this complicated crap with thinking they need to. Create Bundles on branding and learn all these really pseudoscience terms and just frothy and all what. So in your opinion, why is it? The People? Everyone wants things to be more complicated than they have to be I think a lot of it is lack of business maturity and exposure to the fact that there isn't. It isn't easier path I would say more efficient path to just do what has been done before you. You know when we got into real estate, there was no coaching but we were. To follow people who's proven path work but my question is why do people in your opinion drill down on this? Why do people want things to be more complicated than they? Are I think it is a creative avoidance so they don't do anything. So it's more procrastinate is so so there you go. It sounds like perfectionism, but it's really progress. So by making things complicated, you're creating more of an excuse not to do the real work of. Everybody uses it. So it seems acceptable everyone else right because they're not doing anything. More seminars more webinars, more jurors, more podcast, more everything to listen to because you've got, you're getting ready to get started and you need to make this really complicates system. So ultimately, what is the people that act like that, which is virtually everyone what what is it? They're trying I mean look how many people you know if you google some of the biggest search terms are essentially about different workouts in. This the other thing it's like it's not that complicated guys this stuff has been out forever. It's not that difficult lots of people that sell stuff that you want it to be complicated. So why they're multi. System what's in the psyche that wants to be complicated? That's a good question I work and I think I think people hide out because they you know ray they get intimidated by what they think is a bigger process Fear of the unknown is a big thing fear of success. I think is just as strong as fear of failure because what if they actually do follow that system and somebody says, yes, and what if somebody says no, it's all the stuff that's made up in your head the what ifs when you don't actually have anything to compare it to. Say you know this doesn't work after making three phone calls I think people are more bass than that and I'll tell you this having thought about that question longtime because as coaches I I mean you constantly run up against that. You want the immediate if guys listen this, enjoy getting this notes but the simplest answer is always the truest answer. Right? The first answer you guys from remember. From taking tests. The answer's almost always see if you can't figure out what it is. Right. So the simplest answer is always almost always the correct answer when you're trying to decipher something but our egos for some you know obviously undefined reason wants to they want to make it more ego wants to make it more complicated. But here my opinion is the reason people ultimately like to have things. Be More complicated is because it does create a socially acceptable way for them to procrastinate. It does create a long term thing where they don't ever have to learn to do what they don't want to do, and they don't want to do it at the highest level and you know using our favorite example. Basically, you can say you know prospecting, for example, you sworn pledged throat on your dream. Board Goal Board everything the you're going to basically pick up the phone and start calling for sale by owners but you haven't you maybe have made this pledge that beginning of the year and what did you do use the coronavirus viruses your excuse you used all the other crazy things that have happened this year you're trying to perfect your script you're trying to role play you're trying to this. All this through varying degrees of procrastination. But those things that you procrastinate have you ever noticed they're also the things are going to put you in a position helped the most people make the most money. The quickest have you guys focused on that or realise that's true. How many of you procrastinate picking out what version of Kito Diet or whatever that you're actually GONNA do books you're GonNa read podcast you're listening to all websites you're going to just because you don't actually want to start doing what you don't want to do when. You don't want to do at the highest level because you want to stay in the formation phase as long as possible because you're creating your plan that way you can tell people you're working on losing weight. You're not. You're just basically reading a bunch of stuff trying in watching a bunch of videos trying to procrastinate ever actually having to go to the gym and make yourself uncomfortable or ever saying no to the third helping Pumpkin Pie right is this makes sense Pumpkin Pie that's not nice. I know I said just a buggy. been put Pumpkin Pie spice on your coffee. This morning I saw was yesterday. By the way they checked. But but but is. This we're talking about it's elaborate avoidance and you know what's funny about this? Let me let me do this last point and then I'll make a coaching story. This is this is this is gonNA hurt out warning. Related to. Done is better than perfect. Perfect is the enemy of good. Where does that thought come from? Well, I looked it up aristotle and Confucius and other classical philosophers propounded the principle of the golden mean you guys can look that up but which counsels against extremism in general. In this case, we're talking about perfectionism, the Paredo principle or the eighty twenty rule explains this numerically. So it commonly takes twenty percent of the full time to complete eighty percent of the task. While to complete twenty of it takes eighty percent of the effort achieving. Here's the important part achieving absolute perfection may be impossible, and so as increasing effort results in diminishing returns, further activity becomes increasingly inefficient in other words the harder you work on something to make it perfect the further away you're getting from that, right. So in other words Aristotle, Confucius want you to stop getting ready to get started and get to work. Here's The interesting thing that happens coaching clients. And you can I hear this on. Mostly on for sale by owner, I was saved by owner and of course, expired called basically anything that activity that would result and you potentially hearing the word no is what really saying. This is real world. We hear this every week several times on the Premier coaching call. Okay. So let's say I was a procrastinator before, but I've decided that I'm going to actually take the first step and do something about it and I've listened to the coaching and I'm not GonNa put all this pressure that I'm GonNa make one hundred expired calls or anything like that I'm just going to take the first step today. So help me God I am going to call five chooser category Feren by owner. expired. Whatever and Lo and behold what do you think happens I get an appointment and I go to premier and we have the victory lap thing that we do in in premier. So they can share their successes and they always end the same I can't believe how nice that for sale by owner was I had the best conversation they were so great I've got an appointment and I'm sure I'm GonNa get the listing. You and I are always like well, what did you think was going to happen? I think talked to you about this one hundred percent of the time but they're always like so amazed that that's how it but be job they took the took the first step but right but drill down on that. So guys, you're all positions again, you're all guilty of basically procrastinating doing the real work of real estate and the reason you're doing it ultimately is because it's not fear it'll work. It's the fear of you not basic of your ego thinking that it can't handle the actual situation where you might hear the word no, or will the seller might ask you a question you don't know the answer to it. So you continue to spin around the toilet bowl forever mentally. And emotionally and financially never get anywhere, and then you're always beholden to buying leads. You're always beholding to basically the next shiny object I. went around the bend on today's show to premiere my parting thought his fear is not profitable you have actually give me two minutes. Okay. Have Time. So so here's something I. Want You guys all to be very, very resin of so zillow and this is no surprise to any of you guys who've been attached to Julian I for a long time we have never been zillow fans and the recent we've never been zillow fans is because essentially everything that they did was not in the best interest of the industry on a whole was basically the best. Best interest of agents who are low skilled and didn't want to learn how to generate their own business that is the bottom line and what zillow swore they would never do. They have of course done and they're going to continue to do yes. They're opening up a fifty state brokerage but even gets worse how many of you have come up on? A steady Diet zillow leads because you've only been the business sense of effectively the last ten or twelve years when Zola's been around to sell you a leads you've never learned how to proactively generate we generate and what's happening in those intervening years. Yes. We've always told you not to buy leads Gary Taylor Gary. Keller. Told you not to buy leads from. Anybody. With a conscious who sincerely cares about you guys told you not to buy leads to learn skills, develop yourselves. You still did it. You made zillow worth eleven or seventeen billion dollars, and now what they're doing is they're basically the then some of you guys said, oh I've had been selected to receive zillow listing referrals from there is buyers well guess what they're taking that off the table to unless you join their brokerage and you can pretty much surmise they're not going to be paying you hardly anything in terms of salary salaries, an agent Ed, zillow wherever the hell it's going to be called. Julie's got to go to premier. So I mean that's the thing I'm GonNa make sure you know to tell the. Screen. Okay. Good. So thank you. The podcast notes days. Yes. I do as well and Julie is going to rush off to her office now and you're literally hearing the door open and close to go to premier. So if you guys are not attending premier every single day you are. You have access to that program at even through the Free Coaching Program. And yes, go ahead and jump on. Premier and definitely tend every single day and joined the community and participate. But let me just around the ban on this point. I. Was Making About Zillow they as a business has certainly. Kicked they executed better than anyone else ever has as far as like a startup better than I, think anybody up until the X. P. They zillow's executed higher level XP ultimately going to be seeing I think is the ultimate Real Estate Tech Company but that aside so what you're seeing zillow now is getting into the real estate brokerage business. Of course, they're going to get into real estate brokers, business those agents out there who have only known how to buy leads from Zillow and other sources. You guys are all going to be essentially on your heels if you're not already and it's just going to get worse and again I know it was. About eighteen twenty four months ago. Some of you were so thought you were so fortunate 'cause Zillow and you to start basically getting their listing referrals even though they had a thirty five percent referral fee and now those listening referrals are going away and now and there's another report that came out on today that effectively says that agents are wising up and they're not they're decreasing the amount of money they're spending on buying leads why? Because the quality of the leads that they've been buying from the big portals are basically crap. So what we're seeing is the end of a mega trend if you want to call something that lasts ten years of megatrend. That what you know anybody with half a brain could have told you what's going to happen. That's just the bottom line Jillian I been talking about it forever we talked about in our book we talk about in thousands of podcasts you go back and you listen to all the way back. Ten Years Julia, telling you not to do that because we knew that this would happen. We knew that there be a whole bunch of agents that never learned how to generate. So they always had tolerate and. I mean tolerate what the you know whether the gimmick that they were you know trying to pursue was going to continue to work and there's another article I mentioned this the other day on again inman. That talked about the fact that you know there's a Tiktok. Sort out and I really don't care. But how many agents out there listen to some guru tell them they need to dance around Tiktok videos, and then all of a sudden tiktok basically might not be relevant anymore. How many of you guys have invested tons of money in SCO and all these other things just basically have the tech company change a couple of things in their algorithm and all your years of work. Quote Unquote have basically gone poof and now all of a sudden you're left with. No source of business that is the problem with buying your business that is the problem with being a passively generator that is the problem, and I'll tell you the other problem is those companies take all of your profit. So not only do you not know how to do the business yourself not only are you always dependent on buying your business but the profit margins in your business or terrible when Julius. Nyerere in the business in the ninety s and into the very early two thousands that I think we sold our last house and I don't remember what year two, thousand, or two, thousand one. The profit margin most business most teams and brokerages were decent not great but decent. The best most profitable agents have always been agents and focused on just being listing agents with maybe a few assistance. You know the ones you don't know about because they're too busy basically working and investing their money and they become many of them have come from the most wealthiest agents in the history of our industry because they focused. Primarily, being listing agent but the rest of these agents in the rest of these folks that only come into the industry brokerages, office managers, agents a probably ninety eight percent of all of you listening have not been in this business for maybe maybe five maybe ten years very few of you have been in business for even three years that just statistically true when I'm saying so you don't know that this whole buying. Thing has just essentially been a trend, a trend that's coming to an end in if your not adapting to what comes next, which is learning how to be a proactively generator, your career will inevitably come to an end to because again, you're constantly going to be looking for the next pretty shiny object hoping and praying that's gonNA solve all your problems guys you have to learn to be independent. You have to learn to basically be a proactively generator. If you WANNA last and business, this intuitively makes sense to every single one of you but this gets back to the topic for today, which is the first of the seven fears we're going to be sharing with you guys. Know, it's about procrastination. Why are you continuously procrastinating what you know to be true. What are you expecting to have happen? You just hope and pray that basically you're able to make ends meet for another year maybe another two years isn't the stress of living that way isn't that burning you out it doesn't make real estate fun. That's for sure. It makes it a little bit of a curse doesn't it? How much better will you feel about yourself and your business if you knew how to proactively generate if every single day you walk up you Had, a specific schedule, your following you did specific activities every single day at specific times, and you got very predictable duplicate -able results. Then you had very predictable duplicate income of which you then start having financial certainly freedom, and then you can essentially save up and reinvest that money and then create your you put yourself in a position where you're rich and rich by definition according to Harris Rules are book is where your money works for you and you only have to work for your money. Guys don't make it so complicated it's not the. Path forward for everyone it's very simple. Our Egos in people trying to sell US crap us to believe that it's complicated. It's not. You know it's not if you want to know how to lose weight, read the book that came out I think in the seventies by Dr Atkins there is it's low car, but look all these different iterations that have come ever after that low car. That's all this other stuff is right looping it back to we were talking about weight loss, and if you WANNA earn more money and you actually want to not. Just, earn more money but increase your your essentially profit learn to do business exactly like we tell you to do it, and then you will, and then you're GonNa get to the point where you will and faster than you think you'll get to this point. You'll laugh at all the gimmicks used to basically fall prey to it'll be entertaining for you as it is for night to see all these craftily written pitches to agents where they're trying to convince you that using fear of missing out if you don't subscribe to this or by that or. Whatever right all the gimmick trail. That's really what we call it remember the yellow brick trail. Julian. I call it the gimmick trail. So when you choose to get off the gimmick trail, you choose to do the real work of real estate. Then you start having more choices and how you're gonNa live your life, and how you're going to be able to essentially the experiences you're going to have in life the money you're going to be able to help other people with donate maybe if you choose to or just all these things only comes on the other side of doing what you don't to do when you don't. Want to do it at the highest level. So hopefully, this makes sense to at least some of you. I know statistically, it's only going to appeal to maybe three percent of you but for the three percent that are listing in the fifty four different countries that listen to this podcast every single day as always thank you for continuously make the making this. The number one listened to daily podcast Barrosa, it professionals in at least the United States. Hopefully, we'll get to the point where we can say that for the world but in the meantime you guys have a fantastic day and we'll talk with you on the show tomorrow. This program has been a presentation by Tim Liras Real Estate Coaching for more information on the real estate coaching and training programs. visit our website at Tim and Julie Harris Dot Com. Remember to tune in weekdays at noon for upcoming shows until next time. Thank you for listening to Real Estate Coaching. Radio Tim and Julie. Harris.
Britains banking sector scraps billions of dollars in shareholder dividends.
"You're listening to the news on Africa. Business Radio at the are Britain's banking sector has scraps billions of dollars and shareholder dividends share buybacks after the Bank of England quests that the move to boost liquidity and help scoop cope with economic colonel virus endemic the British central bank statement said its potential regulations authority. Division had acts lenders to stop the payments until the end of the year. It also said it expects them not to pay any cash bonuses to top staff and Response Broccoli's SBC Lloyds Banking Group. Royal Bank of Scotland Santander and Standard Chartered. Allstate said that they would scrap dependence and not barbeques and that was the news at this time on Africa Business Radio. You can't continue to listen life online at. Www does Africa business radio DOT COM OVER MOBILE APP. Thank you for listening.
Carolina's Time To Shine #62
"The long tail in any industry is always gonna win out. You actually win if you lose. More than fifty percent of the time writing them explained that if you understand that you will you only need to hit gold once and you should try a whole bunch of different things strategically in order to increase your odds of hitting gold. That one time is actually how this stuff happened her. The trainer show podcast so start with the protection plan. Stuff yes yeah. We'll pretend like we're doing this for the first time. Now that we so so Learned the value of the protection plan. Know the extra dollars. 'cause my camera that normally used it went down a canon t seventy thousand dollar dsl area. And i like you know spending that extra two dollars the extra eight thousand to protect it at this age found. That is crucial for me. I'm very much into that and people who don't like it chapman hot. Let me tell you why. I don't agree with you. Let me tell you why. I never take the extended protection plans. You shit whenever you want nothing to do with that in actually no it actually does have something to do with that because one of the main ways to get which and build wealth is to understand money into understand how money works and how does understand when other people are fearful the benefits of making. Good decisions actually improve. So here's what. Here's what guides me on where i buy insurance. I look at insurance as nothing other than disaster protection right okay out of things that this is a lesson from my dad by the way. This is a john goodman thing. The amount of things that you'll see insurance an extra coverage on that you spend ten bucks here fifty bucks. They're right those actually really add up over time versus like the one time you might need it your down or whatever it is which like two thousand bucks if you actually do the math. It never evens out and so i look at. I look at insurance as hugh disaster protection. Why like. I get travel medical insurance but i do really really high. I always get like a five or ten thousand dollars deductible. Because i don't care if i go to the doctor and pay thousand bucks here right right. What i care is that it's going to cost me a million times when you have. High deductibles is massive. So in looking at that with like a congress well. I mean i'll get like collision insurance show but okay again or ten thousand dollar deductible it will follows by the same principle because the premiums are so much lower right over time. All that i'm insuring against is a is a disaster a not insuring against anything else and as a result. Now i have way more money for myself over time which i can spend raise compounds over time and adds up to way more. We bought like a lazy boy chair for. I don't know what it was like. Fifteen hundred bucks and allison wanted to spend like an extra seventy dollars to get some like cleaning protection on it. Like kind of malaysia's a celtics late last on it and is going to be willing to do not yet but like at the same time like what will it cost us and to get it cleaned cleaning protection hundred bucks. Why are we getting this special cleaning insurance for like seventy dollars. When the worst case scenario that's gonna happen is we make call ourselves to get this posted to come out and like the amount of little things so anyway. That's why i don't agree with you in that smart. Take all high. Tebow's get your premiums down. Might babe example on this up. I gotta say way. I gotta say an example on this topic is this girl worked at a cellphone store. She was telling me about. This guy is younger. Guy goes and buys the newest iphone. And then she's like. Do you want the the protection like findings by cara. Literally this guy second. He stepped out of the door key. Drop dead and it's and he's like. Maybe i will buy. And she's like no i can't you know no does not anyway. That's awful. I hope i never see you. That's how that's how they get your. That's how they him ruin those iphones to my camera. Situation would have been awful. Now thank you. Thank you jesus. At this point. I can afford to buy the camera. I can afford to buy another cameron it will. It will not put a dent in my finances in any way shape for that at and that states to the ot ot level a level too by the way club club. But however if you if you if you pay john goodman money a protection your best with you the service protection plan you tell them no. I'm not a level one graduate and it's better than allstate lot of good hands on the allstate logo are literally jonathan goodness. That's that's why stay says you're in good hands it the the the parenthetical m. a. n. After good is implied in the commercial hands is what is really saying. So if you were to you don't need insurance you're insured you're protected by the dc. Let's talk about like another piece of this. So you talk you talk about like your cameron. How wouldn't take you down like you should not own things like you should always look like. You should not own thing that if they what what is astonishing to me is be like walking down the street and oc laborers who are making minimum wage. Not thousand dollar. I felt louis. What in the hell are you doing right that to me is is if you have to buy insurance because this thing breaking would be such a big problem to you. You should own that thing. The democratization of product there was basically nothing these days except for potentially private travel that really wealthy people have that even lower class middle to lower class. People don't have appropriate access right. We all can get a cheap phone phone plans. We all can get a tv. We all can have a cheap co that gives us twenty eight and the reality of it is absolutely the actual service that it provides the benefit that it provides is actually almost no not different in any meaningful way right to dissociate from ego. Yes if you're not walking. You're not walk if you're not it's not like i need not falling in a ferrari either way you know. You should not have her phone if you can't afford that thousand dollar phone breaking right. It's this there's no question that included the problem right. that is the rule the problem however. I am glad that. I serve having a camera because it paid off for me to stop. But let's get to your commentary. Your country does give off. Jonathan does it does give policy that thought process. And i'm saying this as a man who spent a decade of his life selling insurance it does give all but that was like insurance different. We know you're gonna win. Not win like again disaster protection. Alison i one. Hundred percent. life insurance in the policy on right head is bigger than the policy on your head. Because what's the disaster. Right she passes. I'll be absolutely crushed every which way and not do with myself but financially will be again. It's just a matter of management. So catalina came up with a brilliant topic today in. It's it's sorta predicated on. Can we call it. The net flicks effects. Can we say that. Is that something that's regional. Let's just i think that's what it is. I think the netflix's effects we and we've seen it recently right with the actual we're talking about ashley is what we usually share. What this keto will your thoughts about. The today's topic was might think for today is like the idea behind the topic is where will you be when your name becomes dumping and what that means like all of this. I've been thinking a lot about the netflix. Show the queen's gambit a lot to be more familiar with it because he became like an overnight sensation huge lots of people loved it and it follows the story of made up story of a girl up woman eventually chess player. And it's all that she has to go through on the stuff that she has to put up with than the barriers that she has to break. It's a fantastic show and well what happened no story. It's not anybody. I thought it was based on a true story. Okay i watched half an episode. Of course of course. Of course she woman and there's emotions so i'm out turn turning up. Does she just cry as a model like what's happening here what's happening right. I i am your boss and that's why we're right now. We're at the of mexican internet for all we know we're just gonna you're gonna drop off the we'll be okay here. We'll take keto go on your continue with the story so what happened here in. But now what. I'm noticing isn't that in a lot of business groups apart of and facebook. What we're seeing in times like who's who's enjoying this show right now coaches. They have their hands full. They have way more clients than they can handle. They don't know what to do with like. Oh my god like this is to me. It's like an amazing input of a business for them because they're thank suddenly end overnight became the thing but everybody wants and so who's really mill. Excitement and the benefit is ghost. Chess coaches who have already laid the foundation of their work. They have already done the hustle. Some people already knew about them so they are the ones getting recommended. Their names are the ones that pop up when people do google searches. They are the ones that have the freebies of. Hey sign up here to receive quick intro guide into chess playing one. Oh one or whatever. Those are the people who are freaking killing right now. So again the zones along with the online trading academy in april twenty twenty. John you're just gonna bring this back to you because what freaking happened when the pandemic broke out and every single online coach wanted to start online coaches who melt it like who really benefited from it. You right because you had laid the foundation of this work for so long that you were like the no brainer goto. So that's amazing. We have five thousand six hundred new customers in the first week when the first shutdown. So do you know as i had. Just become an opiate coach. Maybe a month or two before. This happened and it was crazy. I can't describe it any other way than crazy. Like just the influx of coaching calls that we had at in the sort of in the bullpen of oj. Coaches in the other thing was and this probably isn't a good thing and the chest coaches may be experienced in his keto but everybody wanted advance knowledge immediately. Yeah like there was a sense of urgency. That was it was demand that we could not supply. We couldn't make people experts immediately. I can only imagine net. These coaches are having sort of an influx. That people wanna learn as much as possible right away. Yeah maybe i would think that the difference. The chest coaches would be different amino case it was unique. The whole industry finally woke up and realized that they needed what Telling them that they need for the last six years right. They were also putting a lot. I mean they still are. Our industry is still be needed to be that. Call it be there now. Because i'm not as eloquent as yes. They needed to be there now because they will hooton income right. Yeah slot to in many cases nothing overnight and so they needed to feed families. I mean literally. That situation was very different than the just situation. I've seen some of the some of the stats in how much chess has benefited From the queens. It's on lille what happened with us. It was different because it was. There was a lot of pain associated with the exposure. Yeah yeah wizard chest. It's not so much it's just like oh you know i've been thinking about While like oh. This is pretty cool. I'm going to learn it. yeah absolutely. Here's the thing though. Red and jonathan like we think about it for example the summer olympics. Like they're coming up soon. I we've talked about this before there's always like the this incredible stories of glory and the underdog like his your sport or your specification. You've been listening to us right now. Is your thing going to become the next big thing. Thanks to the olympics. Thanks to the successes. Thanks to the next show or pop culture thing but explodes like and if it does. Are you prepared like. Do you have a way of you know of collecting people's emails to start creating your email lists. If you don't do that already do have valuable resources that you're sharing and plays within two people know to find you when they need your third curling. I freaking love this topic. I love that you bought it out. It's it's really good abbey to really good topic because yes. There's a large element of chance. Anybody who speak to in anything like basically the long tail in any industry is always gonna win out. You actually win if you lose more than fifty percent of the time right. Let me explain that. You only need one big win right. You only need one or two big wins. You don't really know what's going to be certainly not going to win every time you're certainly not gonna win. I mean you're not gonna win the on but if you understand that you really only need to hit gold once and you should try a whole bunch of different things strategically in order to increase your odds of hitting gold. That one time is actually how this stuff happened. And it's not just like. I'm not just talking about on training if you haven't gotten that yet. This podcast is not just. Jim like lead. My book like take the train academy like it's not just about online training. Because i would be doing you just about online training. It's about life and the best. That i it right and so you like wound. Buffet for example has made something like four hundred investments in his life. Greatest investor of all time right ten of those investments will good injustice like ten over four hundred right but those were so good held onto them for so long and that's the other piece of it is like holding on foot long enough to actually make a difference. So how do you position yourself with this idea. Well i mean unless you knew what was going to come out. Netflix's like it would've been estimate the queen's gambit but if you know that for some of the olympics are coming let's break this down a little bit in how you could actually strategy over this. Okay so you. An athletic preparation coach cool. Those words mean nothing. Those words mean nothing. Those words mean nothing to nobody. So it's kind of relevant but you can call yourself that you could actually prepare people for any sport. I if how to prepare people for sports like you just need to down the sport. I trained everybody from dragon. Boaters laser like professional dragon boats to professional like people climbing trees competitions to olympic committee to nhl players to actors to act does like like physical actors right which is effectively sports to downhill. Mogul skiers right like olympic hopefuls. I don't think he made the olympics. Expensive once you understand the sport you can break down the mechanics of it okay. So you know that the summer olympics are coming up it would not be very difficult to highlight five. Oh ten key athletes right. Who are the people who have these. Incredible stories are the hopefuls of winning golden multiple goals. Will then you can actually get in front of it and say okay. Here's the sport. Heroes with exposure is going to be. How can i second that that happens. Be ready with the product. Be ready with the program. Be getting of this. You can do the same thing with physique training. What oh blockbuster movies that are going to be coming out in the next six to twelve months superhero movies. You're gonna love one thing that worked for me. Like a freaking charm is after this this past super bowl that we had shakira at forty five years old and j. lo at fifty one years old shaking all they have with the majestic nece that is them to get gets who's target market women. Over four. the most killing their lovers there hasn't been a more catalina theme that's existed in all sports up until super bowl. Bound was my moment. Our lady i am. I got to like back literally. I got your back ladies like we can do. We can do this so yeah so i didn't know i love it so let's play around with this. You didn't. You didn't know that this is going to happen. This is a happy accident. You place positioned obviously really well in with it but think about if you were to look. You're like okay. Well i know that people have holy crap beyond saying oh jaylo insecure denson halftime. Like you don't know they're gonna shake but but like you know that there's going to be media attention around their appearance like like it or not like you know that that's been hoping you know that they're going to show up their best because of what this thing is right. You got ahead of that yes. I am good garden headed in a big way in yet. Big way if you wanted and you could follow the coup. Ears of like latina bombshell right. And no way they're going to be an anticipate when they're going to be in the news and when they oh just be ready to hop on it with content with programs with what on how is how we. Because that's authentic to me right. What we could kind of like trying to nail in the head for all coaches coaches here listening in that if you stay authentic to you it's not even an effort. It doesn't even feel difficult because it's fun for you. it's enjoyable. It's what you know and you are ready. You have laid around foundation or when you're thing becomes the thing. Hey jonathan goodman here. This podcast is made possible. Thanks to people like you. Here's a quick word. Most sponsors you still trying to pick your online training software if so let me make this easy for you. Go with distinction. It's truly the best. I'm not just saying that because there are sponsor we actually use peachy distinction for own online fitness business online trainer coaching. And we're really happy with it from on boarding to programming to client communication. Pt distinction has everything. You need to run your online fitness business smoothly and it's super simple to use now. Normally they offer if we thirty day trial but as a listener of the hundred show you get a sixty day trial so you can make sure you love them before spending a dime if you want to deliver first class service your clients while we claiming your time then visit online trainer dot com slash p. T. d. to sign up for your free sixty day trial today if you're fitness nutrition coach. That's looking to master online coaching. So that you can help. People make more money and have more freedom than the online trading academy can help. Ot gives you the framework knowledge and support to have predictable success with online coaching business from marketing to business development how to assess and motivate your client online. It is constantly updated and refreshed to keep up with a dynamic market. Not only that. Ot as proven in seven years. We've helped over. Thirty thousand coaches and eighty seven countries. Go online to this. We know what works so you can get to the success and it case you busy working a fulltime job or who a fulltime parent know. You can go at your own pace. There's no deadlines to complete. Otd max that said if you already to make rapid change in finish the course of the next eight to twelve weeks. You can expect to invest three to five hours each week on the program. And here's the best part. If you join today you will make an extra one thousand dollars a month in ninety days or i'll give you money back so if you're ready to build the fitness business you want and make the money you deserve go to online trainer dot com slash academy to enroll today and i hope to see in there caroliina if you jumped on this and you like and you put out like a zoom thing and you open it up to everybody in all year like mexican ex-pat mom groups whatever it is through education loon to do this accua jaylo super bowl dance. Oh my god you taught it on zoom and then you made an offer at the end of that says we're gonna do this again in two months but i've got this program to get you in the best shape of your life to lock who wants it I liked it would be pretty cool. Maybe i'll take it may borrow. I'd like to take out there. Going to be going to be the guy on zoom with his camera to exactly god so turned off. Yes that sounds like a phenomenal idea. Can keep me posted on that. You might a good experiment for the podcast. Maybe elvis related and see what happened. Secure just came out with a new story over her over her video. Everybody like recreating. So i don't know maybe i dumped him back. The newest thing. I'd be happy to objectively in court about. I mean i could could literally. I would be percent just comment without any residents on running very quickly like that could be. That could be your entire program was like every two months or whatever it is. It's like not only will you get fit. You'll learn this new. Whatever she dance jaylo deaths that could you could just spin that like two months right. I don't. I don't know but but this idea of like understanding what's coming up in the news. It's not hold. Here's a challenge. It's hard if you're operating outside of any unique selling proposition and if you're not operating within authenticity asked when it gets difficult right you know. And that's and that's the problem because you can't pay attention to trinh's if you're always hopping around trying to figure out what people want instead of you are. I've had this conversation a few times with. Ot a students they've asked me about enrolling people in december and i'm not big on deciding upfront for potential client. What they will or won't do so. You'll never get me say things like well you know. People are thinking about other things during the holidays or like. I don't like that language. There's always somebody who wants what you need is always somebody that can afford. It is always. Somebody is ready to do it. So i don't put thoughts into other people's heads about what i think. They won't do because of insert reason here. But what i have so coaches is are you paying any attention to what you're seeing happen in the market right now because number one if you go online and you try to buy paired dumbbells they're gonna be sold out in lated ridiculously in price. That tells me everybody sort of stuck in their home gym right now number two. Are you paying attention to what's happening to gyms around the world from global gym to mom and pop shops. They're closed down there open their closed down number three. Are you paying attention to the frustration that the potential clients are having because of the fact. That in gyms are fluctuating. Plus the fact that people are adding home equipment. If you've got a good in-home workout like your time is quarter one. Two thousand twenty one like if you don't see that and you're not prepared to say in your language. Hey for all of you. That have lost your gym. But you've got dumbbells at home for all of you that have exercised vans minimal equipment for it. It's right there in front of your face to take advantage of. What's about the athens in that regard in my opinion if you're building a large jim only routines you gotta sorta see. The writing on. The wall here likes things about the. Are you prepared to maybe put down the bar bell in the olympic lifts for the first quarter of twenty twenty one and offer something that people are absolutely gonna be able to do because one of the things that jonathan told me when the pandemic hit he said people need you to facilitate cow specifically. It's not about the nutrition specifically but people need you to facilitate some type of thing that can be involved in. That gives them a sense of security in regards to how they connect with their wellness sunday. The seven day at home south which went well the way i have people lifting laundry baskets for rose in ken goods for lateral raises. But it went off really well. Also we're about to come to that queen's gambit moment in quarter one i think for people who can eloquently in entertaining and in an entertaining manner provides some sort of at homework out to get people. Do this q one. But are you prepared for it because it's going to be. Winter is going to be a long winter alone winter. Like this thing isn't gonna go away. Quarter one or two. In my opinion everybody just been doing their workouts outside. That's not gonna work for sort of two thirds of north america. You're not gonna be able to get away with that People aren't going to go out in the snow. You do jumping. Jacks and boot camp and that writing's on the wall and jonathan's being good about sort of forecasting based on really what's in front of our faces at the moment and being ready for being ready for the one at that s. That's why i like this topic that kid over so so much because if you're operating in what's authentic to you it's hard not to see the writing on the wall. It's hard not to the being space you know. I'm sure it's chess coaches. Were probably all over. The story about leans gambit once it was probably green lit was it was going to come out next year net flicks smart ones. Where i'm sure you know but nobody knew that it was going to be popular thousand eight like so random why we're going to have a scripted drama series about female playing chess. Oh yeah that's going to be a netflix's hit right. No rank predicted that one. Okay i got a great idea. Have you ever heard about big. Cats are going to see how this stuff it would be very interesting to actually speak to some top chess coaches and see whether they had any idea that this was happening that this was going to happen. Like did people in that community kind of picked. I mean look in the fitness world world. It didn't take brainiac to say. Okay well you know what hostal training in a gym is kind of a shitty thing like it's broken. How the business model works right now. Not to say that we should eliminate it but like cleanly there has to be more to this right and they didn't have to do it for very long in the gym to know that so for me. It was very different for me. It was just a matter of the wayne. Gretzky line like on a skate to where the puck is going. I don't know when. But i know that online training is gonna hit right. I don't know. But i wanna make sure. I'm there beforehand with chess. I don't know whether that was the case it you know. I don't like everybody knew chess wasn't going anywhere but whether it was going to be like front page news. I'm not sure what made some. Sometimes we operate in genre. You just have a better understanding of how significant it can be. If you've got your finger on the pulse of that community can be surprise. You know as a as a marble junkie comic book junkie. I knew that black panther was gonna hit in a way that nothing ever hit in the marvel universe. Foreign and i was reading for that a year prior. You know i'm a black guy. I know how rush that on black panther i could have if my demographic wasn't gonna that and crush share. Yeah my mom's over thirty. Don't really care about it but if i was training nudes you know. Here's here's a. Here's a routine. Michael jordan utilize. You know you want to build a kill monger body. You know like i could. I could really same thing with creed with michael jordan hitler. Donald creed body. Here's how you know train for the relaxed. Could've cabinet but my demographics a little offshoot shoot at so that wouldn't work well for me but can we can talk michael jordan doing like interviews for acting like i cool. We got this new guy coming in. He's really really great. What's his name. Michael jordan ush then we and then one post was like wait a minute. What if we could be in there is like you're so cattle in terms of being prepared and i a conversation with Students before this call. Peter fisher. He reminded me of the Luck is when preparation meets opportunity. Right in in terms of this is there a way to sort of seize these opportunities like what do you see. They're like do i just. I just need to be a person who speaks a lot about what i do specifically do. I need to be as authentic as possible. How do i set myself up for that. Thing that might happen is is is their way. Your mind set up for that being. That might app yes. I think there's definitely many ways in which he achieved. And it's definitely like bad like the intersection of the things that you love and quirkiness that makes you you combined with the service that you offer because like for example. I am deeply passionate about women's rights about equality. Trump is like that and i think most of my clients essentially and also might peers. They know law kind of woman would well they know what kind of woman would be very resistant to working with me because of my political use right if they are more on the conservative side. They probably want nothing to do with the end. That's okay that's totally fine because we're not for each other totally cool but that's very clear to anybody who can see my social media because that's important to me so i talked about it and he just comes through and it's all there just like dancing is important shaking. My booty is important priorities and find the clients here. Okay with all that. He's just as you described jonathan goodman's business model. They're taking it back for example to the to the example that we we're talking about with the olympics like i don't care like are your mobility specialist talk about mobility and as the athletes that are going to be representing the olympic star. Coming up talk about them in what they do. That is relevant your line of work that you also do with your clients that you agree or disagree with anything like that. You train post-partum moms i can guarantee you. There's gonna be athletes in the olympic who just recently gave birth and they are now back on track and competing at the olympics after having had a baby and that doesn't mean that we're going to put our scientists but but they're going to be there and so highlight them and talk about them and what sacrifices or struggled they have found that resonates with your clients and they have somebody to look up so the examples are there. But you really have to connect with yourself like i said uring. Join your enjoyment and your quirky nest. The things that make you you combined with a very particular service that you provide those things together and one of the really cool things that that's such a great point. Carolina really cool things too about olympic athletes is very rarely lead like huge celebrities. Eight thousand and so. Yeah if you were to find using your example if you were to find just amazing female athlete. Who's newly postpone them in light up a bit feature about her or celebrate hoon some way tagore in it could easily figure out a way to get to her. My guests like odd so pretty good that she would then show it to all of her audience at low you desired audience and you might actually begin to build a relationship with eight. Would i be my man liberating yes. That's super bowl. And there's there's a big opportunity though. Because you know. I i think book globes a lot is like everybody's trying to get a book blurb like a like view from like a celebrity. You actually the most powerful of us from people with really authoritative titles. So if you can have something like on your page. Oh here's a quote from an olympic silver medalist right way. Nobody knew that the titles good use from a ceo the company or from in only general or something like that is actually like the best quotes social proof that you could ever get. This could be an opportunity coming up. Will you could get some of that. Absolutely killer social proof that is like so perfectly dialed in to your audience. Currently this up so does your time to shine man killing it she she. She did indeed shine. There was a distinct scene. It's one o'clock though. We gotta go to is two o'clock here. We hope you learn some valuable lessons here about sort of positioning. You know when when the thing comes to you. Are you prepared for it right. I think the most important thing will one of the most important things that we shared here today. And so eloquently put bike. Catalina is sort of everything. Good that you want to happen through this whole online training thing is going to happen through the varying may narrow needle of authenticity. If you care sort of figure out what you're talking about who you're talking to is a good chance that you just not you haven't committed to your own quirkiness as keto put it your own. Authenticity and i can say from working with coaches on their. Us stories all day. That one thing really does complicate a lot of other things. It makes almost everything after that really difficult to attain so so lucky. No was authentic to you dive into that man. Beat be your regular authentic self to the extent that it's beneficial when those opportunities present themselves not only will you be prepared for it. You'll be able to notice it because it's it's things that you're already following along with anyway pretty much everybody's going to get some opportunity for their thing to be the thing but you might not get it twice. So don't miss her. Don't miss it. When he comes. Show notes can be found at a online Dot com slash. Podcast nailed it. That's to onto onto shows in a row where where doley nailed that. We didn't get to hear from amber That much today but we know she's there somewhere because she's got other ambers. She is ambushed. Mba's not feeling so hot today. So she's here but she is a black square just making sure the podcast runs video and audio off. We hope you feel better amber because nobody with a haircut that fabulous should feel bad in the same week. Gas haven't seen her ambush air pro v. commercial that she did for us on facebook the other day it was. It was a significant moments in hair history. Just an expertly flipped in tossed. High cuts bob. It was just amazing. So we'll see you guys next time on the online trainer show and do some jingles stuff in amadou. Whatever thing you do. We don't understand this format at all. This is train or visit the online trader show. We shouldn't podcast.
#174 The, Like, Show: Deadass Edition
"The. Advertise. Most families live paycheck to paycheck, which is why AllState offers life insurance that pays out like a monthly paycheck because your family deserves stability. Even if you're gone to learn more, visit AllState dot com slash long short, AllState monthly income term, a term life insurance policy issued by AllState assurance company Northbrook, Illinois subject to availability and qualifications not available in New York. Now on Wednesday, September nineteenth, catch a special preview of a new comedy from executive producer, Amy Poehler. Every woman's imaginary best friend it's called, I feel bad, and it's all about how women feel bad every single day and it is hilarious ladies. This show gets you like your favorite yoga pants career kids, marriage. I feel bad is for women who supposedly have at all yet. Can't remember the last time they took a shower, don't miss a special preview of I feel bad right after the live. Finale of America's got talent. That's wednes-. Day September nineteenth on NBC. Hey, guys, this is our last episode of the season, but next week we are doing something super exciting. So instead of releasing a new episode at three o'clock in the morning, we are going to be recording a new one and listen, you are going to wanna be a part of this. We know that so many of you are up in the middle of the night going bonkers, and our host Andrea Lenzi is going to stay up with you and answer the phones for you. And all of your fellow sleepless parents who are also going crazy in the middle of the night. It's going to be like a recorded hardy line where callers can have their three AM late night, freak outs together and may be old, feel a little less alone. We are the podcast that is literally there for you in the middle of the night. So this is happening in a week in the wee hours of Tuesday as it becomes Wednesday, you can get all of the information and the phone number to call on our social media account. It's and by subscribing to our newsletter which you can do on our website longest shortest time dotcom. So call in and enjoy today show. What are the teen expressions and words that I need to know what are people saying now, I guess this is just like New York language, but like dead ass dead ass is like an expression of agreement. So use it in context. You're gonna conversation with your friends and you make a point. That's true. Everybody does does. I've also heard that asks us like this one hundred percent. True? Yeah, leave me like facts like, okay, agree with you. Okay. Hey people. This is the longest shortest time. I'm Hillary Frank. I am hosting the show today, and I'm here in our New York studio with three local teenagers and on the show today we're going to be trying thing that I've actually been wanting to do for a few years now, and that is to get teens to give advice to parents. And we asked you our listeners to send us your questions by Email and social media, and just to pick up the phone and give us a call. We have the great Andreas Lenzi in the booth manning the phone lines, call screens, kind of a dream job for me. This is fun. I'm excited to see what the team say and our producer Jackie is sending me notes. Live about messages. We're getting on Facebook and Twitter. I'm so excited to introduce you guys to our panel. We've got three kids here. Quincy Blair sixteen and I live in Harlem New York. And what is something that we should know about you. A photographer director podcast acted to producer in play sports myself. And what qualifies you to give vice come from a low income background? No, that's the hardest background. And I think it's easier to give advice into, you know, the struggles you have to go through. Hi, my name is Bert Lugo. I am sixteen years old and I'm from Bushwick Brooklyn. I come from a Hispanic background. I may deejay and producer and I've been doing gigs lately for the past two, three years. My name is Molly sailor sixteen, I'm from Montclair New Jersey. I'm really interested in lighting design, Iran lights at my school, and I'm looking cheater, like in theater. Yeah, I'm a big social rights activist. I am a big number of the LGBT community, and it's a different point of view. That's very good for teens and kids who are finding themselves in the world full disk. Closure also, I should mention. I know Molly a little bit. Molly is the daughter of the first guest on the longest shortest time and sailor. And when I did that, like almost eight years ago, you were how old eight years ago they'll make me about eight. Yeah, which is the age of my daughter now. That's really weird. Okay. Let's get started with our advice giving. It looks like we have our first caller you guys. Jennifer in Los Angeles. Hi, welcome. You're our first caller in our teens are ready to answer your question. What is it? My husband and I have twin toddlers for two, and we're very terrified about them dating from days. Even though we have years to think about it, I still would love to know a good each dating nowadays and like ground rules for dating Jennifer before they answer. Do you have an age in mind? My husband when I was pregnant, said fourteen, he thought that was totally appropriate. And then they were born and he met them. He was like they can eat when they're in college because now I know who they are and I don't want them beating anyone until they're in college, and he was joking. But I think both of our, we just don't know really high school navy. That's when we started dating, but I don't know what's the difference between fourteen and sixteen right now. I think the aids for dating is sixteen because when you're fourteen year your address to the freshman or. Junior high school, so you're not as mature yet. Again, sixteen years, sophomore new. You actually start filling emotions. Lexi start understanding everything and life and like you had a balance point. I think the best ground rules for dating high school is understanding who the person is a ticket dating allowing them to have freedom, but also giving them like a ground of tummy where you're at or you're going, which plan? I would actually say like thirteen or fourteen would be a good age because relationships like that aren't really ever considered by anyone who had them to be like a real relationship. And it's a good way to get a head start on like emotional maturity and getting kinda feel of how things work as a child. Yeah, I think very, like probably thirteen fourteen, I think is a good age. I just think it's because they're young and if they get their heartbroken or something like that's the thing is a good age for them to learn from those lessons so that when they're older now. Now they know like what not to do or like who today and all that stuff. But I guess ground rules, you definitely need to know who their dating. It's weird for with conversations like that to bring it up. Hey, like are you dating anyone in highschool? Sometimes it's guys have examples of your own parents. Molly do. I was dating someone and I hadn't told my parents yet about like two three days in because I was terrified of that conversation and my mom like in the car, she asked me, she was like, are you dating? And I was like, yeah, please let me tell doubt on my own time. And then she told my dad. That's. But it's like she had that conversation for me. Was that okay? Yeah, it was fine. It was like really relieving that I didn't have to bring it up. Have any of you senior parents take any missteps that you wish they had handled things differently? That'd be a good takeaway for Jennifer coming onto strong about the subject. So my parents I had my first girlfriend m my mom found out she, she wasn't upset. She started asking a lot of questions back and forth, and I just wanted to did they over his better for her acts that I have a girlfriend or walk away rather than keep in tagging me about it. Yeah, I think also like if you get quote unquote caught by your parents dating someone, I don't think parents should be mad. Don't give them like a whole lecture about it. I don't know. I just like for me, I don't really like lectures, especially for those type of topics curia about just inviting them over. For dinner, like all those little things like their dating for week, should I need them right away? How do you navigate. Sort of getting to know that person without feeling so invasive. I think that like telling your child, I want to know who this person is like letting them do on their own time. It really getting a lot of freedom can really like help child talk to their parents more, introduce parents to different parts of their life and like kind of giving them their own time to do it saying like, I want to meet them like, that's something that has to happen. But you get decided when agree when you're comfortable to talk about it, it's the best. The best time usually takes like a couple of months to introduce dispersants appearance. 'cause you comes with the person I, but other than that when stay for comfortable, usually we come to introduce them to the family because they are part of our family somehow. Thank you so much. So I wanna give you guys a question that someone sent in on Facebook. It's comes from Diana. She has a six year old who does not know where babies come from. But there is a girl on the school bus who does so Diana is trying to decide, should I tell her and how you should tell her way? Hold guns x? Six. I learned about stuff for the first time when I was in first grade. And what did you learn? I learned the basics what everything was and like how it happened. Kind of taught me to be comfortable with it over knowing you. You sound like you're like, what? Six. Okay. Tell me about that. I was ten when I learned about it, I didn't learn about from my parents. Sto kids school talked about it. What did the kids at school? Say? I went to high school. Middle school are hung almost from high school is my brother's odor hanging out with his friends. They took about how one of the kids in his class. He finally got some and he's. And he was. Talking about it and I'm, I'm like, what? What is in I go home like mired about this? What is 'cause I'm really curious, and she sat me down and gave me the birds beat just talk, and then I didn't understand that. So then she told me the rivers where you have sperm new, have a, they make that make you for nine months and sit. So I think it became easier when I went home and talked to my mom and she's friend after about it. If you told something when your friends, you feel curious, you don't feel weird about talking about it 'cause you wanna know more about it. So is your advice that Diana should let the kid on the bus spill the beans? Yes. I interesting. Okay. I'll Berta. Oh, I'm I'm kinda middle, but I'm citing a little bit more to like not laying the girl spoiler beans. I remember I was in sixth grade and we were reading a book. Those about like some teenage girl in like high school or something, and they were talking about her like having a period or something. And I actually like the teacher, like what's that? And like everyone like in the classroom was laughing. So I suppose everybody knew what that was except me. So I kind of felt ignorant for a second there. I brung it up to my mom and then you know, we have talked and all that stuff, but like six, I don't know. I think that's a little too young. You know, they should have the talk like twelve arm no-no. Eleven or ten. I would say that having it an earlier age desensitizes you to it. So like when you're a kid and people are like making all the jokes about it, you're like, yeah. Okay. So we have another caller. Ooh. Time we have a leash in Cedar Rapids. Why do. Welcome to the show. Hi, thank you. What is your question? So I'm wondering is if your parents tell you about the dumb or you're sponsoring things that they did at your age. Do you think that would be a deterrent helpful information or possibly a motivation to do all the dumb things that they've done. The things I'm thinking about our drugs drinking unprotected sex and generally unsafe situations, or do you guys just like absolutely not. Wanna know that stuff about your parents? Are you worried about how to make sure that your child is being safe with that stuff? Yeah, I think that's the main thing. 'cause I feel like part of it is sometimes I know that kids will do their, they want to do and part of my motivation, just wanting to impart ways of being safer about it. When I think back about some things that I did, I just think like that was really stupid. I didn't really have anybody to ask what the right thing to do is telling the kids your your stories helpful because like. Again, the same trouble. I'm not trying to be like Mme Taibbi a little bit better, but then also depends on the kid because fans tummy some things, but I wanna do things. They did like enjoy the fund that they had, but then the realize, man, that was hard teenagers. They learned from their mistakes. I think just like if they ask you questions about your Passover you done or if you take the time to tell them kind of warn them and let them know that if they were taking those risks or planning to to just let you know in my experience, like what I see with other people around our age, the most people that I see that go crazy are the ones who kinda get no guidance from the parents. The one whose parents are like, I'm gonna kill you if you do anything, and I never did anything like you have to be like me be like, perfect. I've got friends who like told their parents the first time that they drank and they're like, okay, just don't go to crazy. Like I just want you to be safe. I know you're gonna. Do it. So here's. How you can be safe with it. I also think it kinda shows them that you're human too, like you were a kid too. I mean, the other thing we haven't talked about is like, yeah, everyone makes mistakes and it's possible. You'll tell your kid about your mistakes, and then they'll make completely different ones that you didn't even know where possible. Well, I think in that kind of situation, it is important. Say like it's okay that you made this mistake and I'm here to help you fix your mess. Kind of I'm here with you the whole time. I'm not gonna like abandon you when you're like scared alone in like some strangers, long Alicia has our panel answered your question. Yeah, that's very, very helpful. Coming up more questions for the wise in brave. Molly Alburto and Quincy stick around, say advertisement. Andrea come out of the control room. It's time to talk about sun basket. I love Sundance kit yet. You know what some baskets saved my but the other day because it was back to school night and I had to get out the door and I had not started dinner early enough, but sun basket had a recipe for cod chowder with this like Green Bay. So it was really awesome. It said it would be done in twenty minutes and it was you need it every minute I got. I shout down on it and I got my butt out the door to back to school night and because everything's pre measured, easy to prep easy to clean. That makes sense, right. There's no measuring port, your little Cup or cycles. Great. Yeah, you just don't everything in and you know everything in some basket was really flexible. You can switch up your recipes as you go. You can go on vacation and tell them you don't need an order that week and they offer paleo gluten-free, leaning clean Degan Mediterranean. That's what your family gets. That's right. Go to sun basket dot com slash long short today. To learn more and get thirty five dollars off your first order. That's. Sun basket dot com slash long short injury. Can you imagine when you were teenager if you had been able to just go online and find the perfect fitting bra? I would've loved that. 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Slash time. We are back in the studio with our dynamite panel of teens, Albert. Oh, Quincy and Molly. So I have another question for you. All random question. What do you wanna be when you grow up? I wanna be a lighting designer. Tell me about the lighting. Like what? What draws you to that? I like theater a lot. My friend did a personal show that she directed, and she asked me to design the lights for it and like I did it and it just seeing it put together was amazing feeling. And now every time I go see a show every time, like I go see a concert, watch a movie. I like look at the lading. I know exactly what they're doing with this. It's different point of view and completely fell in love with it, Quincy director or lawyer. Ooh. So tell me about that. You're weighing Ainge like directing one of my biggest inspiration despite early. 'cause his documentaries movies. I just find that to be like one of the most fun is jobs in the world because you meet other people. You get to tell them what to do a little bit, but also allowing them have the creativity to do what you wanna do, but you know, being a lawyer like enjoy law and joy arguing. So does dust as part of being in the lawyer. Alberto just being like an overall superstar deejay that travels the world every day travels the world touring and stuff. And you know producing if that doesn't go? Well, probably also like audio engineering during the mixing mastering like what those huge boards and stuff like those in. Just working those. So I feel like it's really clear what we need to do here, which is we need to make a movie. Direct does the sound of course? Yeah. Purses is going to be number one. What's the name of our movie? The longest shortest time. Do we have anyone on the line? Hello. This is Kelsen calling from Salt Lake City. Hey, Kelsey. So my question is, what should parents know about teens social media use? Are you talking about knowing if your teenagers using social media or like how they're behaving a line or both more about like how they're behaving online and maybe how their friends their peers are behaving online, too? Well, for me. Well, for me, like I have my own Instagram account and Snapchat, Twitter, Facebook, a lot of social media, but I know my mom follows me on Instagram just solely because I, she wants to make sure I'm not, you know, posting anything inappropriate or something, vulgar, something like that. Are there any mistakes that any of you made on social media that like your parents had to get involved. Issues social media, but it wasn't because something I did it was. 'cause like somebody's reaction to my post knows oppose about civil rights in a pitcher I posted and some of the acted by not the right way of reacting to child potions. So my parents got evolve since they were there and they they. So it happened, it became easier for them to protect me and everything. Your parents talk to you about, like what kinds of photos you, what are what not want to post on your profiles? Yes. So my parents had a talk with me about, like around the time. I started like my, you know, music deejay producer type career, but like they talked to me about like kind of being professional in a way, especially like colleges looking students up if they're applying to like a certain college or something, whatever reputation you have a line, good or bad, it can really impact your future. They always told you don't curse that much online, like be humble like online too. Don't be obsessed with it. Don't show your bad self in a way. You know what I'm saying? Almost every parent I know as worried about their kid and social media, and you guys sound remarkably relax. I think that social media's like super demonized. I've actually never maybe like one person I've seen in issue with on social media, like cyber bullying or something. It's the bad parts of it are super amplified, Kelsey, thanks for calling Jodi in Indianapolis, how you are on the line. Alright, so my son just turned three. When we go out to dinner, I tell the line of whether to give him my phone put on his favorite net flicks town just to keep him from, you know, squirming and and just making a fuss. 'cause it seems like hollering is just not cutting it anymore, and his father does give him his cell phone to watch Netflix. It's starting the transfer over where he doesn't want anything else, but the screen. I'm wondering if I'm doing disturbance to him by allowing him to have that screen time. What do you think a toddler with a phone reminds me of my cat with food. 'cause like my cat will like wake me up like four in the morning, just meowing for food. I just ignore it. Like I say, no, but cats don't the word no, because their cats. But like I do think that it's important to like stay away from screens for awhile because I have screens until I was in sixth, seventh grade that was like the age that I started. And you know, I think I'm doing pretty well with greens. I think he's three. So I don't know. I grew up with technology as it was like getting better and better. Remember my mom like getting iphone for the first time like when it starts to come out and stuff, that's when I got like obsessed. Does anyone have any recommendations of what Jodi can do instead of offering the phone. On like you would actually respond to as a little kid put myself in the shoes of like a three year old. Yes, that's asking you to do. Okay. I know that people will bring small toys with them to restaurants and stuff for their kids to play with because he's a three year old and three year olds are very, like they need something to do at all times. Remember when I was three, this basically like setup by entire life. But I remember getting like a small piano keyboard, and that kept me very entertained, basically my whole life. And I think I know this sounds really corny, but I think music is probably a really good thing that you can do for your child. Get them like a musical toy or something. Not something that's expensive and they could break, but like that could keep them entertained for hours. Who knows? Maybe they have, you know, maybe they'll develop like a love for music. Jodi, it sounds like you and your child's father are in disagreement about how much phone time is. Okay. Is that right? Yeah, I think it's easier for him to just, you know, put an educational game on for him and then go and do his thing. Question for the panel. How important do you think it is for parents to be on the same page when it comes to parenting decisions. Highly important because if one parent says one thing, other parents is another, you're you're in a gray area and you feel like when debt can go mommy one day go, daddy thing is really important where parents always on the same page and being able to compromise what to do it kid because once the kid has agree area, he's gonna take advantage of. She's gonna take advantage of it. I agree. Yeah. It's like you're working as a team to like raise this new person. They can take advantage of a disagreement there discount pick what they want to pick and say, like one of you said it was okay. I did it because like you said, I could you sound like you're speaking from experience? I one hundred percent tell me about what I what's? What's something that you've played your parents on? You know, I'd like ask one of my parents something and they'd be like, I don't know. And then it goes the other one they say yes, and then I do. It will be like, why did you do that? Good. One of you. Well for meals. Like I don't know. I'll always about food lake asked. My mom can have like this candy like this week or like my grandma or like especially my grandma, my gosh, my grandma's always. One hand arms wide open and grandparents are never on the same page, Jody. Am I right about that? Yeah. Yeah. The undo everything. Have we answered your question Jody? Yeah. Yeah. I mean it. It's doable, you know, bring more toys instead of going. The easy route will. Thanks for Cohen. Doty. Thank you so much. You guys. I have another question for y'all. How do you guys feel about not being kids anymore soon? Scary. Woke me up. It feels weird. It's like you're in the middle and your bowels of becoming a young adult, but you're also still kid inside a little bit. I don't know how gonna feel when I'm an adult, probably like more like official. I don't know how that works like. Okay, now you're an adult. So now I can like kinda do things I can finally do on my own. I guess I am terrified of the concept. Tell me my brother and a lot of my friends Aldus graduated. High school. Yeah. So I am seeing it from like an outsider insider point of view because I've been watching all my friends leave for college and like that whole process. I got to like for the first time ever see that process and it's actually terrifying. Even the concept of making my own doctors appointments that's still scares me already. I'd like to go back to like being sick, some girl on the bus exact, and I don't know you would be. The six year old who does. Spill the beans? Yeah, Quincy up. Think it sucks, but it's also a good thing. 'cause I don't want bronze ability than I get more freedom being adult losing curiosity, losing being able to make mistakes it up, really being judged gonna sect because like can't really live life, have the have life live me. See you guys are making the internet. Sound awesome and adult hood, sound awful. I feel like one thing I've noticed about aging is like those videos that are like our Instagram. They're like this person's only like sixteen and it's like a really talented person and like ever see that with eighteen year olds. And I'm like, I'm losing my chance like completely like I'm sixteen. Like after this year, I don't get a chance to be someone to be like, oh my God. She's so young. She's only sixteen. It's leaving have disappointing news for you guys, which is that for grownups I, you know, you don't stop comparing yourself to other people on Instagram. Okay. Andrea waving at me picking up the phone. We've got another caller on the line. She's she's typing something in its. It's something about animals. Okay. We will be back to answer this question and just a minute, and you say advertisements. So you know, I don't think I'm making any news by saying that parenting can be stressful. It can make you have trouble sleeping and it can be hard to figure out how to cope. And that's why we're so excited to partner with com- they're the number one app. I sleep meditation and relaxation. Com gives you the tools to live a happier, healthier, more mindful life, like they've got sleep stories. Soothing tales read by well-known voices to help you unwind and fall into a deep sleep each evening, like a bedtime story for grownups, but they also have sleep stories for kids to and sleep meditations that guide you to release tension throughout your body's soothe your mind in drift off into dreamland. Just five minutes of com. Could change your whole day. If you are interested in trying calm you longest shortest time listeners can get twenty five percent off a calm premium subscription. That's com dot com. Slash long short and includes access to all of coms amazing content end premium programs. Get started today at com dot com slash long short that see ALM dot com slash long short. And we are back Holly in Philadelphia. You're on the line. Hey, so my husband and I have a five month old son. We live in a townhouse, somebody really wanna add a pet to our home and for family. We're not sure what type of pets get or what we should need it, and I'd love your any of your ideas. I think you should go with a dog. I think a dog is great pet because they're just full of energy and especially like for your kids who are younger, they're just gonna find love with that dog when they're older, they're gonna look back, you know, and everything. Look at all the good memories they've had with that dog. I personally like golden retrievers are like bigger dogs. So a bird. Oh, you are solidly for a dog. What is this dog's name? This fevers name. If it's a boy, I would name it Jacob, something that Jacob is molly's, brothers name. Popular names, everything's going together. Yeah, either Jake, Jacob, and if it's a girl. Djalo. All right. Quincy are moso dog person. So I rather like a German shepherd or Kogi as a German shepherd name. His boy erects f is a girl Lila because the door will. But Kogi thing I go. Boy's name would be like pumpernickel. Like a girl's name, his passion, fruit at love, these names. I'm also in support of dog. I really like the idea of a pit bull or a beagle. I, I'm also a fruit like pineapple, I think would be an adorable dog name for, you know, either like a pit bull named pineapple, I would love with all my heart Holly disappointing teas that they all pick dogs. No, I'm gonna check my husband right now on run into this UCLA 'cause I I need dog now. That's awesome. How'd he ended Holly have you been sold on any of these names? I mean, I am liking a big dog named pineapple. I think that is the door of I'm loving. So it's sort of a hybrid of. Quincy's idea and Molly idea. Cool. Well, thanks for calling banks. We have a question that came in on Email that is a darker one I want you guys to. I'm ready think on. So this comes from someone in Mary who has a kid who's going into first grade. She knows that his school has lockdown drills and she wants to talk to her kid about why those are happening. So how do you talk about gun violence to a little kid without scaring them? I don't know if that's possible. I think that. I'm scared of them. Most people are. Have you had lockdown drills like issue started school? Yeah, I've been having lockdown drills about second grade. It was really only I've explained to me that we just wanna make sure that if someone comes into the school who shouldn't be here that they can't find us unlike that's how it was always explained to me. And then like finally, after a few years that kind of caught on to being like, you know, if someone's gonna come in with a gun and it's gonna shoot us, it's something to be rid of, and it's not a reality that I ever wanna face and I don't ever wanna make kid face it. I think that explain it to them gently and kinda not being like, well, someone wants to kill you and they're gonna do in school like, that's that's not how you go about, but sing like there's someone might come in and try to hurt you or some of your classmates. And this is just making sure that you're safe over. No. In Quincy. Have you both also had lockdown drills. Along times. Yeah, since you were how old since forget since I can only recall, like starting fifth grade thing is hard to talk about because you don't want to take kids innocence or scarier kitchen appointment every day at a minute, think that they're going to be harmed. But then also like you think about Shantz handy hook, they were young and this happened to them. I think the best way to go about it is, but like Sydney kid down telling you kid is okay, the would isn't degraded place, but you should always fo- safe the midway in this school where you feel like right into happening, step away, hide, Phil, safe on you safely inside the school as Francie place around the school. And would you tell them that that has happened in other schools? It depends how young they are because. I don't know. I think just a general if you wanna talk to your kid about gun violence, like if they're so young, like what three four you might wanna do like we'll Molly will suggesting anything like as they get older, you know, parents should really get into the real details like these things have really happened because like if you expose a child to that, like really young, it could really scare them and is pretty like traumatizing in a way. Yeah, it feels like teens are kind of having a moment now. Right. What was your reaction to seeing the parkland kids? What do you mean? Like seeing them? Like state how they react, seem like the movement that they started. And I was on a part of that movement in my county. My friend likes started the students demand action branch from county, which is like moms demand action. The people who are helping bring the parkland kids around the country, and it's really an amazing thing to watch. Much and be part of. And I've also after being a part of it, seeing that it's all kids. There are very few adults who are part of this movement. Now, it's mostly kids fighting against adults are doing like parkland Mimi angrier because this has been going on for so long in hot come now is becoming a big issue knowing that these students could actually step up on a podium actually stay agreements is without anybody tell them all your kid in lighten the anger because now my voice is being heard, I can go on any platform. I one to next state the true facts about what's going on every other day and every other place, the too violent in at mossy the tablet. Why do you think that adults should listen to teens? We go through these things every day and we know what the problems are. It's just that these politicians and these people in power in thority are not willing to take enough action to like make these things happen, and it's just ridiculous. Like. There's not enough empowerment like fourteen to stand up teams of the ones who are living it and like you gotta listen to what we say because we're the ones who are living and we're the only generation of teens have been like willing to fight it. We are newstand was happening. We're living with does like us telling you about the civil rights movement when new alive through it, you lived through the civil rights movement. We listen to your body so that listen to us about schools shouldn't the mental of violence happening since we're living through it. It's so interesting you guys, you're saying. All of you pretty much adult should listen to us because we have something important to say, but I thought you were going to say they should listen to us because we're almost grownups and we're going to run the world before they know it. And so they should start listening to us. Now I think that kinda shows that we, you have to be an adult to be valid point of view. I have a valid point of view now and you need listen me now. Not just because I'm almost an adult because I am a person with a valid point of view because I am educated on this topic. Quincy. When you were talking about living through the civil rights movement, when you said you, did you mean you in general about adult, or did you mean me and particular general. Who wants to guess my age. The need to is he close. I'm just I'm not saying, oh, we'll tell you, but I want you. I want you all to have your own gas, thirty. Five. I was gonna say like thirty eight because I think I remember when you were thirty two. You probably remember when I'm thirty two but I'm turning forty two next week. Little way young. The teens thing I looked. Validation. I know officially consider you young looking. I don't know. I the. I just one this panel. Congratulations. You can have this trophy. It's a baby. So in conclusion, the internet is great. Parents should respect their kids and talk to them. Everyone should get a dog and we shall make a movie. Yes, yes. Awesome. Well, it has been a pleasure to talk to you. Molly Quincy and Berta. Thank you so much for your generosity in sharing your advice and your personal experiences. It's been great having you. Thank you. Awesome. Long, short time listeners, it is your turn. Now we want to hear from you. What did you learn from our teams today? What surprised you? We wanna do this format again, and we want to know what questions you have for our teens. Submit them to us at longest shortest time dotcom in the comments for this episode that's episode one, seventy four. Today's show was produced by me, Hillary Frank with Andreas, Lindsey, and Jackie. G-go. Our engineers are Pete carom and Jarrett O'Connell special. Thanks this week to Andy Kristen's who expertly ran the board during our live taping and Taylor McGraw from teens, take charge who connected us with l. Berta in Quincy. They also have a show of their own called the miseducation podcast. Our music is performed by hot moms dot gov, editor support from Peter clowney, and Tony catoon day Ameri baldenon auto Rakim, earthy, and Julia way. We'll be back with a brand new season of episodes starting October. Seventeenth. In the meantime, checkout our archives in Stitcher, apple podcasts, or wherever you're listening right now. And if you've got an idea of something you want to hear us cover in the next season. We want to hear about it. Hell us go to longest shortest time dotcom, hit the participate tab and submit your story. That. Marvel just released wolverine the long night. It starts when a fishing boat is found drifting off the coast of Alaska to special agents arrived to find out what killed the crew there I suspect is a mysterious drifter named Logan. The podcast stars, Richard Armitage, wolverine listen to wolverine the long night for free and apps like apple podcast, Stitcher or Spotify, or visit wolverine podcast dot com for more info.
Arity President Gary Hallgren
"Welcome to ovation a weekly conversation with people. Who are shaping the technology landscape? I'm Peter Hi. President of Meta Strategy Advisor Technology Technology Executives Forbes columnist book author and Your Host Each episode of Techno version features insights from top executives thought leaders at the intersection of business technology and innovation. If you like what you hear we'd be grateful that you give us a rating on itunes or through. Whatever other sources you use for podcasts? Please subscribe so you. Don't miss a thing thank you. My guess is weakest Gary Haugen. Gary's the president of parody a mobility technology and data analytics company. The grew out of allstate and is focused on helping organizations through the changing pace of transportation in two thousand sixteen allstate recognize its unique ability to identify and quantify risk driving rather than keeping the technology to itself. The company recognized the strategic asset had had forming already in the process prior to joining already. Gary was the president of connected car at allstate in this this interview. He highlights the three main issues in the transportation industry. Most importantly driving is extremely inefficient. As the average cars used for four percent of the day. Furthermore forty thousand people die on the roads each year and driving his extremely expensive both in time and money to make a difference in these areas areas working with shared mobility companies insurance companies openings and automobile companies to solve these issues. We also discussed why Gary believes fully autonomous vehicles or further away than many think how the company mixes the stability strength and resources of a fortune one hundred company with the entrepreneurial spirit of a startup however the attracts talent and a variety of other topics Gary Haugen welcomed attack negation. It's great to speak with you today. Thanks for having me now. It's a pleasure. Gary you're the president of already role you've had for a bit more than three years now and I'm wondering for those who might not be familiar with already. You talk a bit about the background into the company. What is it that you orgnization does sure air is A? The company was founded about three years ago and it grew out of the allstate corporation Gosta Corporation. Everyone knows as being a very large property and casualty the insurance company but there's a variety of other businesses inside of it as well. An airedale is a technology company data analytics company with the focus on ooh helping companies through the changing face of transportation in what y. a. m.. It's a very interesting structure founded by all states. I'm curious can. Can you talk a bit about that. Process you know in terms of this large organization developing an idea seating it developing a startup of sorts within a bigger organization organization. Can you talk a bit about the genesis from that perspective shirt. The way the company was founded was in two thousand ten. There was some thought process around how transportation was going to change and how insurance pricing was going to change around with it. Insurances is actually really interesting industry. In that you don't know what it is going to cost when you sell it. So people generally have to come up with other sorts of variables other sorts of of ways to to accurately price insurance and typically and traditionally. This has been done more around. Who you are it's It can be everything from how old you are and how long you've been driving. And even in some states that can be around gender can be around other factors during the end of the nineties. Company started to use credit variables to score insurance and want to be very predictive so it really transformed the insurance industry and as company we started to look for what is next allstate started thinking there must be something that is better than what is about you which is kind of how who How you drive? How you actually and the car? So they started to put devices into cars and giving people a discount for sharing data along with that with the assumption and the hypothesis that this was. WHO's GonNa be more predictive than other variables? It turned out over the course of years and collecting this from millions of drivers that the assumption was true. That not only. Is it predictive. But the fact is the most predictive so now it is a it might be. It could be we think maybe it's we know that this is the most predictive variable that you could use to most accurately assess the risk of a of a driver so when I think about the secret sauce of areas like we have this unique nick. Ability to identify and quantify risky driving in the quantify part is probably the most the most important that to truly understand that if you have these behaviors saviors. It's going to lead to two losses. So that's the premise of the the company from the technology standpoint from the insurance standpoint then came your question question of low y y already and the company based two choices they could either tried to keep the technology for themselves or what they did is they looked in the the industry. And because there's variable so predictive believe that every insurance company will price insurance in this way in the future and and as a corporation we have a strategic asset that could be valuable to the rest of the industry about Suardi was formed in two thousand sixteen very interesting. And can you talk a bit. About how how you interact with customers and what the value proposition given back to them is the way in which they opt in. You know how the this is model works in that perspective. Yeah I'll go up real high. I will come down to that specific question. Do you think about the main problem that we are that. We're trying to to solve. While the average car is utilized four percent of the time like nobody would ever design a system that had vehicles used four percent of the time even during rush hour the numbers and the a small double digits utilization. So that's that's one problem is that it's inefficient. The next problem is that it's it's relatively it's unsafe. There's forty thousand people that die on the roads every every year and that number had been going down and now it's been going back up again. There's a safety problem album. That is that is their that their opportunities to fix and then lastly it's just really expensive. It's expensive time of the amount of time that people spend in traffic vic trying to get from eight to be and the other part is just pure dollars three trillion dollars a year are spent on transportation just in the US so you think about that macro problem. People don't like it. Everyone complains about traffic. Everyone is frustrated by but there were a lot of options so really what changed was when the the rideshare companies started coming into the picture. They gave people options for that and people gravitated towards those. There's a lot of Push back from lots of people ecosystem whether or not the insurance companies or airports or the the taxi industry that but this was a change. We did want to be disrupted but the reality is. It's good for consumers. They like it and they want to. They want to use these services so what we did it air de we started to look at whereas this disruption occurring and do we have a role that we could play to help improve it and part of that we decided was Insurance companies for sure because they're being disrupted as to historically you just have one car you drive it to and from work. Well well now sometimes someone is going to be sharing your car. Sometimes you're in a car with somebody else. Your kids are going to be driving with somebody else. We want to assess risk in a in a different way so for or shared mobility companies. There's actually as interesting of a proposition as there is for insurance companies and then the automobile companies as well so those are the three vertical markets that we talked our solutions or with the goal of just making transportation safer smarter and more useful so getting down to specific question is it really depends upon the use case for example shared mobility driver. I personally want my driver to have five stars because they indeed are good driver and not just. The car didn't smell and they gave me a mint when I got out so there's opportunities or for consumers to better understand that me personally. I split my time between California and Chicago I have to have a car in both places so my utilization. My cars are actually even less. So so what grade future for me to have somebody using my car are in each of those locations when I'm not there but I'm gonNA WANNA know. Are they look good driver. And how do we identify that. So if I can identify and quantify hi that love literacy driving. I'M GONNA WANNA know who's going to be using my car. And lastly on the on the insurance side whether or not. It's for me as an individual. Aw I wanted to get the most accurate price. I think that the idea that Just because I'm young I should pay more or just because I've had credit issues using the past. I should pay more. I think it should be more about how I drive. So the value proposition for them is shared data with our customers who are insurance companies ladies so the end-consumer shares with them and then we can more accurately price that insurance and from bad personally. Just believe it delivers more transparency. Eighty and more control to the customer than some of these other variables. That are very hard for you to change interesting. I I'm curious can. Can you talk about the team that you have developed and I recognize the organization's been around for a while as you noted but was it largely built from people within allstate was on the net more people hired from the outside In brought in given some of the special skills necessary that you to deliver what you've described From a people people perspective at school perspective. How is that all it? It's been a really interesting Continue my guests that we that we went through when we originally started it was people that that across the allstate corporation because the company had been building this connected car telematics solution for some period of time but we started to bring in more from the the from the outside as well and interesting as you're part of a large enterprise and then you're recruiting and competing against others so I I never felt like I was competing against against typical allstate competitors. I'm competing I've next to me on the floor here is braintree. I have Google and facebook. That aren't too far away. Ah There's other telematics companies that are that are nearby and downtown Chicago as well. So you're in this war for talent of creating somewhat of a startup but also bringing being in the kind of legacy of the large corporation so I think it's actually a a great value proposition or employs that they're able all to have the stability and the strength and the resource that a fortune eighty company can bring but at the same time we're able to operate largely league independent in how we In how we operate and then how we grow so it's a little bit of the startup culture when the together with a little bit of the the strength of a of a very A very stable in a large company and then to start to tie that the innovation along along with it so bring blending. Those two types of cultures together isn't easy and it's always a journey to try to make a great opportunity for for employees to innovate debate than do amazing things. But that's what we're striving to do you reference the fact that you're In a innovative corridor of Chicago You mentioned earlier in the merchant in March a building just north of the river and clearly not in allstate's headquarters of presumably. That was intentional. Creating in your own space and develop into space that's particularly conducive to you know some of the millennial talent that is necessary in a business just like yours to us to take just one of many factors that determine where somebody puts a puts the headquarters of a business. I am curious. How how do you think? Think about the interaction with The parent company all States. At how often do you interact with technology with executives rather there You so as opposed to operating independently as an to yourself. We've been extremely fortunate. And just the way that the structure is created it one of the The struggles I guess. Even just talking about it is is interesting because I we are owned by the allstate corporation. The allstate the corporation owns many companies. They own the allstate insurance company which is the largest company that they own they own insurance which is an insurance company but they also own square trade that does warranties Ortiz and are sold through large retailers. They own a dealer services business that the liver services through ten thousand dealerships ups a roadside assistance program. So if you have a new car Many car manufacturers when he told companies if you call roadside assistance you're calling and allstate companies. Nobody's when I think about that. I think about the corporation and when I think about the insurance company I think about the allstate insurance company so describe that in two ways the allstate insurance company company is my customer so we think of them as a customer there in a regulated industry our corporation is not in the the regulated part of the the allstate corporate structure so we must actually interface with them in a very In the same way that I that vendor and they customer would interface for a whole variety of legal and regulatory reason and then from the allstate corporation then we have a different relationship shipped from there. We can leverage a variety of resources so some of the corporate facilities we are able to to leverage and then one of the biggest ones is around Security and cyber having the the backing of a fortune eighty financial services company that takes security and fiber. You're so seriously. It gives us great benefit relative to others that we compete against better are maybe the same size as airy because we can leverage some of the the infrastructure infrastructure from the big corporation. So we we try to take the the the best from the allstate corporation and then are fortunate to have customers that that are also subsidiaries. Are I guess Siblings to US inside of the corporate hierarchy a while back Gary you wrote a piece about the the need for the the piece was titled a Call For Smart City collaboration and coordination a desire for organizations like yours for for example to to work within the context of broader smart city initiatives and it brings to mind as you've noted in multiple parts of our conversation the the changing landscape of transportation The way in which people think about car ownership or not as the case may be and how that's evolving thing in evolving rather quickly and even now getting to the point where perhaps the cars will will be driving themselves as opposed to the driver doing so I wonder if especially especially with the honing in on the smart city. Point how you think about the relationship between an organization like yours and the broader infrastructure of the cities in which you operate rage in in which the customers that use our drive their cars or driven as the case may be. It's such an interesting problem when you when you think the evolution that we're going to go through to get from one to the other. The system is ridiculously inefficient as we talked about earlier. Just the usage of vehicles and where they are in the parking harking and everything associated with that that if you're running a manufacturing plant you would just shut it down. You would shut it down. You would retool it and you would open it back up and it would be entirely different in far more efficient because nobody's gonNA use assets or percent of the time but you can't do that Myself I grew out of an engineering background background and worked for Worked in the transportation system from the state perspective when I was just out of school and it's even more complicated than just the roads and that's government so that the city because in any given city there are state roads there are county roads. There are streets in each of those are controlled generally by a separate organization so trying to get stopped light synchronized together trying to get construction projects that are synchronized together is is really hard in these different groups that are all funded in different ways and it's hard for them to work together and efficient manner so that the first part of the smart cities is what kind of infrastructure and data can you who provide into that that those groups of companies or groups of Organizations can better work together from our standpoint companies. Like us we have really interesting interesting insights on where accidents happened on. Maybe it's areas. Where accidents aren't happening yet? But based upon our unique understanding of how to identify unquantified risk driving. We actually know this is going to be an area where there will be accident so we believe there's a lot that we can do to provide data to the cities or a pride provide analytics to the cities to help enable them to to make that happen. But as you start thinking about that complex problem problem and you mentioned the Thomas Vehicles Maybe we'll talk about more about that specifically later but the the idea of how long it's going to take to get the infrastructure ready so that it can. You certainly be fully autonomous. But that whole stretch along the way What do you do in the meantime when there's when there's normal vehicles in the same model today they're shared? It'd be that are going to be different. There's somebody autonomous ones. That are doing their thing. And then the fully autonomous wants and the city's need to adapt to to all those us. It's the monumental problem. But it's a great problem because if there is an opportunity to improve One of the stats. We use the convention the three trillion dollars of spend that happens on transportation that if there was just a twenty percent increase in utilization efficiency of the system it winds ends up being three thousand dollars in the pocket of every household in the US which is a huge amount of money when the median income is fifty six thousand dollars a year so we think that at tying these different modes of transportation together with all these aspects around the city is to make the system. More efficient is just so good for society. And it's going to make consumers lives better at all of these things are going to happen. It's just a matter of a matter of time and I'm curious what your perspective on that time is there are so many different perspectives offer for people. Who are shaping that future you're going back to Thomas Vehicles and some of the progress Congress that's already been made for semi autonomy as you mentioned and in some cases tests tests that are going on for full autonomy How do you think about that as somebody who clearly has as a greater senate information in reason to think about this on a regular basis those like my general belief is that the is first of all a lot not longer than what anybody is thinking and I think that's been all the companies that have been working on this now I think are pushing out their estimates as they just realized that it's a it is a really a hard problem? I think the technology that the eagles is going to be here faster than maybe what we might might think but even that getting them widely deployed across many cases will be challenging. So I I'm really excited about the idea of long haul trucks. In between large metropolitan. The area is driving in the middle of the night and the tunes that that seems like reasonable sorts of things. I could see shuttles. I could see things on controlled campuses. I could not runs to the airport. I could see anything that it's a little bit more consistent but once you get out of that once you get out of that consistency. I think it's going to be a a much longer tail in order to get to the to the point where it really is the way that people think of the jetsons are people think of That that ended future state. I'm also curious Talking about the the present state more than the future state Gary as somebody who does have reason to pour Through the data and brass make adjustments based upon what you're reading in terms of how when and why people have accidents as an example of one one of the examples that you gave a six color the way in which you drive. I'm curious if if the data has led to any I don't imagine that you're necessarily a a bad driver or have any issues but I wonder if the date is an educational for you as you think about where and when and how Dr I think. What's interesting is the? It's the definition of what what risky driving is People will the person in front of them as an aggressive driver. Or I think the staff something like eighty percent of people think they're better than average so the perception of what of what you do is kind of clouds clouds. All of it One of the things we think about is that what a heartbreaking event is that. There's something that are very binary did the airbag off okay at. That's something that just has has happened in these data threshold for that. But what is heartbreaking or hard acceleration. What does that really mean? And what we've been able to do. Because we have mass amounts of data we're collecting A couple of billion miles of driving data every couple of days. So it's a mass amount of data that we're collecting. And when you're able to tie that to actual claims data. We start to know that. This type of heartbreaking leads to claims or this type of using your phone when you're driving leads to claims that leads to accidents at least cars being damaged or it'll be people getting hurt and and to be able to truly understand that has has changed things. What is what is interesting is what perception when you're driving with with Others than what they feel is a hard break versus. What you feel is a heartbreak is up pretty arbitrary Sort of feeling people's mind but we've been able to put the data science behind that to to really know that. So do I am. I more cautious. I leave more room. Do I try to do all of these things I certainly do but it's it's The the more interesting thing to me is just the differing perceptions that people have just based upon the their experiences. And even people that they'll I would never want onto telematics program pressing mind because I'm gonNA aggressive driver and I think some of those people are and some of those people aren't they just don't have a whole lot of of baseline compared to when when you compare it to seventeen million people as we can today then you get a much better definition of what what aggressive or what is good risk or bad risks really means it's very interesting you've you've you've been involved in so many different aspects of the auto auto industry and the technology centric aspects of bats. You're the president of the connected car allstate prior to your current role. You worked at a organization called Gis Habits Pronounced College technologists colleges. I Beg your pardon Platform for location intelligence You were the CEO. Remote Dynamics Which operates NASA tracking in wheat management solution just to name a few so you've kind of worked in multiple areas at the intersection between logistics six technology associated with a data driven decision making and an automobiles or trucks as the case may be? And it's interesting that you just to see. CBS evolution of your career. And of course the aggrandizing of Of your responsibilities along the way and I'm like what what drew you to the space initially To to make it clearly worth your while to stay in various aspects of it though of course with different areas of focus. Yeah it was. It was interesting in in school. It was always around being an engineer and the idea was bridges and buildings and I did spend Time as a as a bridge engineer. You're right right out of school but then migrated into into traffic and one of the examples I bring up and first of all this is from the mid nineties so it does make me feel old. I am getting old when I describe it in that way but one of the field tests that we did in the mid nineties was we were pulling data from sensors that were in the roads and we were using thing. FM Radio Technology because their cell phone data plans weren't prevalent yet but FM radio technology to transfer this data. That would show up inside of cars in in this case it was inside of a Volvo cars. We're doing a research project with that. And what she could see from that. Was that in real time updated every thirty seconds you could see the roads turn red green and yellow based upon traffic and anybody. That was around today. That is just absolute commonplace. Of course you have that Google maps. It's on Apple Apple maps with on. Virtually everything that you use today. You see that data that day that didn't exist. There was no technology to enable it and it was just a a pipe dream back when we started to to create that in the mid nineties at some point along the way that critical mass it and all all of a sudden it just became ubiquitous and to me that was when I talk to people now about some of the what's happening with Thomas or what's happening with pricing. The thing of insurance in this way that is what's going to happen is that it doesn't seem it. Seems very very brand new and then it seems like it's kind of catching on a little bit and then you hit that tipping point once you hit that tipping point whether or not it was technology that enabled it or in this case. Wireless networks are they. The availability of lower cost hardware hardware. Whatever that might be it tips and then all of a sudden it becomes commonplace? So that's been the journey that I've seen a little bit with With the work that I've I've done in automotive telematics or moving data from cars and trucks since the nineties that a lot of the things that I had worked on originally was you. We're doing the hard work of. How do I pull those data out of a truck for example New York to Volvo? Or how do I move data through the the air to the point now where those are very commonplace. Ace but really the the genesis behind. What I've done for these twenty? Something years is all around making transportation better understanding data from cars in trucks and allowing companies to to make better decisions with it or in this case now with consumers make better decisions with it. There's been a dependent unifying theme in some ways. It seems like its head right by but that's the message that I give to the the young people now that are insider organization. Is that what you're working on is going to be the future and you will look back whether or not it's five ten fifteen years from now and it'll just be commonplace that of course people are priced based upon how they drive. Of course I manage my driver coming to pick me up based upon how they drive and it will be it will just be commonplace where today it feels like. We're breaking new ground very interesting. I wanted to also spare a moment if you don't mind talking about Chicago where you're based where you work and the technology analogy community generally speaking. You spoke of some of the innovative companies. That are you know within throwing distance. It sounds like of where you're sitting as a starting point but I'm curious what What as somebody who who has built a team in Chicago who draws technology talent in the area who sits at the center of a one of the areas where a lot of the tech startups are were? They are centered. I'm curious what your perspective is on. The evolution of Chicago is technology the center. Yeah we're we're really a big fan of the corporation ALLSTATE has been banished Cayo Company for a long time. They're out fifteen miles or so into the into the suburbs personally. I've always had a bias towards the guys. I think it's very liveable. It's the right size. It's very level it has a lot of The the wonderful mid the western values I live in California. Spend time here now but I grew up in Minnesota and I. I think there's something that is really good about that. That mid Western work. I think what we see a lot with the the talent that are here. It's either people that have gone to school in their round here and I'm Kinda WANNA stick around. We also see a lot of people that want to go to some of the other tech centers or more specifically to the to the bay area but then relative to cost or relative maybe just being away from from home or other reasons. They want to get some of that experience out there and an experience but then they they wanNA come back so i. I bet you're here being a little bit more mature it's it's a little bit more But certainly a a ton of youth here as well but I. I just think the the environment is that a little bit less chasing the the startup up dream and a little bit more of of creating companies that are creating real real value right here in Chicago. I were a big fan of of this area. There's an incubator called eighteen. Seventy one. That's a A few floors from us. We says a lot of talent in and around the building credit of very great office setting here here and when we finally get people into the office and they realize the kind of data they can be working with the kind of problems they could be solving we are able to to compete with the likes. The biggest tech companies With the value that we bring as a as enterprise and and especially solving these problems you think of data scientists have seventy five data scientists Antezana team and they're trying to solve these problems of how to change transportation and in a lot of places that you go to your job is to try to improve TRUTV click rate by point two percent now that point two percent. Maybe were a ton of money for that for that company. But I think filming of and sense of mission that you can bring to To some of these companies like like ours our our grade and then to rally back in and around this The city and specifically here ear down around the merchandise bartos fantastic excellence. Well Gary Hallberg thank you so much for taking time with be today. It's been great to get to know a bit more about your story To learn more about your organization already and get your perspectives on the future of driving at the same time. It's been a great observation. Thanks I really appreciate your abdomen. I appreciate it. Thanks for tuning in. Please join me next week. My guest will be Michael. Matthias the EP of Customer Experience and Chief Information Officer of Blue Shield of California.
What You Can Learn from WeWork's Debacle | Ep. #1209
"Welcome to marketing school. The only podcast that provides daily top level marketing tips and strategies from entrepreneurs that practice what they preach and live. Let's start leveling up your marketing knowledge with your instructors. Neil Patel and Eric Su hey margie school listeners listeners. I have an interesting stop for you. Did you know that Walmart improved their conversion rate by two percent for every second that they improve their low time in other words website the speed helps with conversions. In addition to that Google uses it to determine where your site ranks in their index. The fastener website loads the higher. You'll rink for that reason. I want to talk to you today. About a company called Dream House Dream Hose powers the web with fast websites and superior customer service brought to you by team web experts or super committed into your success online. We've worked with them to create a special offer just remarking school listeners. All you have to do is go to dream host dot com slash marking school to learn more and get your website online today today. Welcome to another episode of Marketing School. I'm Eric Su and I'm able to and today we are going to talk. Talk about what you can learn from. We works the buckle so as of this recording already been. It's been wild. This will come out of the week. Doc of Thanksgiving. I believe but it's still very fresh because we work was previously valued. They're a office space company. We used to use. We work as well. I believe you did too as well neo correct. Yeah we use a longtime. Yeah and they're great. I mean we loved office space and everything but what happened was they raised just a ton of money and their valuation popped up to about forty seven billion I believe and they were trying to IPO and what ended up happening was all the people that started digging. In due due diligence on their financials how the company is run and everything what ended up happening was people started uncovering all these things like the CEO had to sixty million dollar private jet. No they're just crazy things happening around the company where the parties all the time and. Then there's like this weird stuff going on where you know he was planning to have his wife was like number number two at the company or something like that. There's just a lot of stuff going on that people. Just were like. WHOA WHOA? We gotta pump the brakes here and you know long story short there. IPO basically had to to be cancelled and ousted CEO and what happened was as of this recording. Basically a couple of weeks ago Softbank their largest investor basically had to bail them out right and I think they build them out to the tune of about ten billion bucks or something like that and the craziest part about this is that the CEO founder. Adam Newman he got a pay out. I think FICA totaled about a billion dollars two hundred million seven billion crazy right like all this stuff happens and he still gets fat payout becomes a billionaire. So Neil I mean what's your take on this one lucky him good for him from being successful you know and I love we work dude so I wish I got the one point. Seven billion dollars the biggest thing that I ended up learning for this whole debacle is you can't marketers. We tend to do this. You can't put lipstick on a pig. A pig as the big you need to create a great product. Great Service Union had good economics. Good example of this. is we work you know. They're pitching themselves as new Tech Company. Just a real allstate company and I'm not trying to talk crap but they straight up just are a real estate company and when you look at we work. Everything thing that they're doing is it's fine but evaluations aren't like a real estate company. They're too expensive. As you grow within it becomes way too costly free and create more and more problems and when you look at that. Is that something that the markets investors on needed it keeps in mind. And when you're doing your company you know. Don't try to be like one of these companies like. Oh we're actually not a ECOMMERCE company. Our value should be better than we should operate. Operate like where a software company have higher valuations or whatever it is like just be realistic. You know what you are what you're good at and just focus on in double down. It's okay not being the biggest company out there the sexiest company. Just keep your head down and keep pushing for. This is so crazy reading this right now. The soft bank's latest investment will enrich him further. He will be able to sell nine hundred seventy billion dollars stock in exchange for control of the company and receive a nearly two hundred billion dollar quote consulting payment in exchange for a non compete agreement agreement. And he's super voting rights. That is so crazy. So the one thing I'll say to is worked out a really good deal for himself so I think one takeaway here is learn how to negotiate. Even when things are really working in your favor you still have some upside. Learn what the other party wants to learn how to negotiate. Well the book. I'd recommend the secrets of power negotiation negotiation. Great Book Right. Second thing I would say is this. You have to take care of your people. Because he's getting this fat while getting this fat payout we're talking. Thousands of employees always are getting laid off all these random companies too so they bought like conductor which is a SEO company and they bought these other companies that they tried to get there to basically got rid of. I've tried to sell ad so take people but also have governance to. It's not just by whatever it's not just you know. Smoke Weed Party. Oh you know what you're doing which is basically what I read about sheriff. That really happened but also take care of your cash. To two deals point. We work bird so much cash. It was just a cash burning but she'd need considering how much money they raise. They're really good at branding really good at Barclay themselves. But at the editor they ended up happening so I think it's still very salvageable. I think it's just eh couple of points that deal that I talked about. If you're being realistic you're not taking care of these items. Maybe the company while maybe company is just something that's going to go on fire in the time will tell but I think there's going to be less. Companies like this at the V season stuff in the future are going to be pushing more for profitability than just grow grow grow in. I'm trying to get people to like a seventy or eighty or one hundred dollars valuation when they should never have that option the birthplace yup agreed by the way the employee stock options are now worth nothing so we were added about ten thousand employs between the end of two thousand seventeen up to twenty nine thousand nine when issued stock options exercisable about twenty six the Bucks Route Twenty Six and twenty seven bucks but the keeping is as to not confuse you guys the shares now based on a new kind of soft bank save with their money shares are worth about like eleven eleven bucks per share now which basically means shares are now worthless right so these employees not only. They're losing their jobs. What the risks that they took? It just sucks right so again you know I come back to it again. You gotTa Take Care of your people because it's the people that end up making the business at the end of the day even if you have a marketing campaign it's the people that are running the marketing campaign. So that is it for today and don't forget to check out the growth accelerator. This is the live event that Neil do three times a year mazing spots amazing people amazing speakers and and you can apply at marketing school. I O slash live. That's before we go. Don't forget to rate review and subscribe. Help US grow. And we'll see you tomorrow. We appreciate you joining us for this session of Marketing School. Be Sure to rate review and subscribe to the show and visit marketing school dot. Io for more resources based on today's topic as well as access to more episodes that will help you find true marketing success. That's marketing school dot. Io until next time class has dismissed.
GSMC Bible Study Podcast Episode 152: All Saints Sunday Part 1
"It's cutting into your exercise time. It stabbing you in the back nine and it's attacking your peace of mind. It's pain and it's getting in between you in the life if you want to live CD medic target your pain at its source. It's fast acting relief with active OTC ingredients plus the added benefits of THC free hemp oil. Get get back to your life with CBD medic available online and that CBS these statements have not been evaluated by the FDA. This product is not intended to diagnose treat cure or prevent any disease golden state media concepts bring you the Bible study. podcast reflect in journey the Bible as together. We studied God's Word and be Inspired Bible study made fun and informative for all ages. It's the golden state media concepts Bible. Study Thirty PODCASTS Hello and welcome to the GMC. See Bible Study podcast brought to you by the GMC podcast network. I am your host. Sarah and I am happy to be with you here on this all saints Sunday it. It is All Saints Day when when we observe All Saints Day in the Church allstate is actually on November first. So you get Halloween on December thirty first and then All Saints Day on November first and for those of us who are Lutheran. We not only get Halloween but we get reformation. So last Sunday for us was reformation nations Sunday when we celebrate the time that Martin Luther nailed the ninety five theses his ninety five theses to the door of the church and Vittenberg and started a debate. an argument Quite heated argument with the Pope and ended up splitting off from the Catholic Church and forming coming a new church which he did not want to be called Lutheran but it was and it is But that was less than they and this Sunday we observe All Saints Day a day when and we celebrate and remember the lives of the saints in our lives those who have gone before us those who have died especially in the last year but he can remember number anyone in your life who has died in for me. That is definitely the the people that I remember on All Saints Day or my grandparents and I and I have two aunts. Two of my father's sisters have died and miss them all terribly. I especially miss will miss my aunt's especially miss all of them I should I should. I'd say My my grandparents loy miss having the living grandparents and I am happy that I had them for as long as they. You did But I of course always wished that I could have had them longer my maternal grandfather. My GRANDPA Harry died. I when I was in junior high school and then my paternal old grandfather my grandfather John Kramp John died when I was in Twenty when I was in college and then my grandmother my maternal grandmother grandma. Sylvia Leah died shortly before I left for when I moved to California for the second time for my second call and my grandmother my my last last remaining grandparents my grandma Mary. My Dad's mom died while I was in that second call so The my grandmother's died relatively close together and have memories of course of all of them and I could just. I could tell you a million stories my GRANDPA Jerry. Very of course died I so I have fewer memories of him but so many he was he was so gruff and grumbly and he was. I think different with US grandkids that he was with my mom and her siblings but he cute oil grown. If you'd give them a hug he'd he'd grow and like like you're just squeezing the stuffing out of Iraq. So grumpy about getting a hug but he would always you know he he. He never turned thugs down and he would. He would definitely have been upset if we hadn't give him him. Those squeezy. Hugs my favorite thing about my GRANDPA. Though was that this is terrible. He would We all had to be up and dressed on Christmas morning. Mum No jam. Nobody has an art family for opening Christmas presents. We would spend every Christmas at my mom's parents house and Everybody but he had to be up and dressed before we could open presents and so of course we kids were chomping at the but to open presents and as soon as we'd all get downstairs I get into the living room. My grandfather would stand up and go to the bathroom with a book. I don't even think he had to go to the bathroom. He just every year did it to torture us so we'd have to wait longer and he probably wasn't in there that long but it always felt like it was hours. and Oh why why would he do that. guess he was teaching us. Patients thinks cranberry and my grandpa John was just. He loved his grandchildren so much. Maybe maybe in ways that weren't always helpful for the other adults in our lives. Were drying to you. Know Give us rules and guidelines and boundaries. Because my grandpa John just he loved us. I mean I I have a picture of me smuggling with him and I am way too big to be sitting on my grandpas lap. I don't even fit it and I don't care if he was around now and I didn't think I would squash him. I would sit in his lap. Still an snuggle. He always had a change purse and he would give us money and mm-hmm whenever we saw him he always was just he would spoil us. He would give us what we whatever we wanted. which sounds terrible from parenting standpoint but oh he just he loved us so much and My Dad's mom was grumpy. I I guess She loves US IN A DIFFERENT WAY and I think she she. She loved US and she took care of us and she she just loved us in a very different way from a from her husband from my grandpa John. That was my grandma Mary and In the there's my grandma Sylvia who who as I said died right before I left for my second call so she was alive to be at my ordination But Not Alive to be at my wedding. I'm glad I got out of her for at least one but I really wish all of my grandparents could have met my husband and I think when I think about All Saints Day and My own faith than I think of my grim Mary them excuse me with my grandma Sylvia the most because well first off when she died let me tell. Oh you that when the pastor asked us about memories and stories about Are Mom and our grandma. All the stories. We came up with revolt. Around food. My the Kremlin was Norwegian. And she loved us through food. She Fed us very well and a lot and I think if it would have been socially acceptable the bullshit of served as dessert for breakfast because we got deserted every meals every meal. If I would go after my grandfather died I will. Even before he died. I would go and spend a couple a couple of weeks with them in the summer but after he died she would make lunch and she would make like four chicken breasts and expect me three of them because they were just going to sit in the refrigerator. It'd be like grandma. I can't eat three chicken breast. I can't even need to All of our stories revolved around food. But for me she was just a solid pillar of faith. It wasn't something that we talked about because we were. We are Scandinavian. Avian Lutherans and If you're from a family like that you probably didn't talk about your faith growing up either. It was just a given. If we went to grandma's as we knew we were going to church we went to Christmas Eve service and we always spent as I said Christmas with them and If I went to stay with her or we went to stay with her over a weekend we knew would involve church and Her Church was both familiar to me and sort of exotic to me. Because you know we. We went there whenever we were in her at her house. But it was still different from. My Church was bigger than my home. Church and Different the you know just just differences so it was. It was both familiar and kind of As I said exotic and special and she just modeled faith for me when I think about a good solid woman of faith. I think of my grandmother and I don't mean solid in the physical way I just mean solid and she always attended. She was a member of the quilters. Group Yeah just very very very solid solid in my my Lutheran Scandinavian grandma kind of way I can emulate her even a little bit then. I think I'll be doing okay She was always involved. She would talk about her church in her church friends and we go and visit and yeah very fond memories of that church even though I haven't been there in well since her funeral so twelve years. Now wow no not twelve years. That can't be right now. Eight years ears but still long enough We stopped when she got older We stopped having Christmas at her house and started having it at our house and she do we would bring her to our house for Christmas and it just was never quite the same. I always loved The traditions that we had at her house going to Christmas Christmas Eve Service and I always felt so late. Although I think it was probably like seven or eight o'clock not late at all I miss that I miss her. And I miss my grandparents I missed my my aunties to my dad has three sister and three sisters. Sadly two of them have passed and and One set of twins. He'd win so twin so one. Half of that set of twins has died. I always think of all of them on All Saints Day and there are many many other people. Pull that I think of on All Saints Day Who are the people that you think of when you think of first off the people that you love in your life who have died But who also do you think of. In terms of your life of faith who comes to mind as as examples I could could name many many more. I mean I had at a professor in seminary who Sadly died while I was on internship who I was in awe of of him the entire time he was just amazing and wonderful and he gave me the most incredible gift of encouragement. Before I went on an internship so I I hold him up as one one of my saints Dr Robert Smith Just amazing and I learned so much from him and I have so many wonderful memories of him but so many other people. So who are those people for you. Who are the saints in your lives? We are going to take our first break of the podcast but when we come back we will be doing what we normally do which is talking about the texts xts and since this is the first part up sewed we're talking about the ultimate tech's assigned for this Sunday so stay tuned you're listening to the GMC Bible Study podcast and I will be right back. Hey there podcast fans. Are you looking for a new true crime. podcast checkout gangster house the new podcast from imperative heard of entertainment gangster house has everything hospital hitman. FBI Informant our prison escape a van explosion and so much more. I'm Jason Hoke creator of Gangster House and producer podcast megahits Atlanta Monster broken heart and monster. The Zodiac killer. Listen to gangster house right now on your favorite podcast player. It's cutting into your exercise time. It stabbing you in the back nine and it's attacking your peace of mind. It's pain lane and it's getting in between you in life you want to live CD medic targets. Your pain added source. It's fast acting relief with active OTC ingredients plus the added benefits of THC free soil. Get back to your life with CBD medic available online and CBS. These statements have not been evaluated by the FDA this product is not intended to diagnose no street cure or prevent any disease always on the go. But the Davis will be without. Your Hollywood fits golden state media concepts under ten podcast. Take care of that Jordan and Keith is entertainment tonight access Hollywood. I'm Jordan guy laughing. That's key Yankee not all inclusive look of pop culture Welcome back to the GMC. Bible Study podcast on this all saints Sunday Sunday. As I mentioned before the break we will turn our attention to the texts assigned the Old Testament texts assigned for this week and the first of those Old Testament texts comes is to us from the Book of Isaiah Chapter Twenty Five verses six through nine those versus are as follows on this mountain. The Lord of hosts will make for all peoples a food of rich a feast of rich food a feast of well aged wines of rich food filled with marrow of well aged wines strained trained clear and he will destroy on this mountain. The shroud that is cast over all the peoples the sheet that is spread over all nations. He will swallow up. Death forever are then the Lord will wipe away the tears from all faces and the disgrace of his people. He will take away from all the Earth for the Lord has spoken it will be set on that day a low. This is our God. We have waited for him so that he might save us. This is the Lord for whom we have waited let us be glad and rejoice in his salvation relation so that again is Isaiah Chapter Twenty five verses six through nine and it's pretty easy to see why this is assign for All Saints Sunday. Am We have the promises that are given There is the on this mountain. The Lord of hosts will make for a feast. Make a fee for people's Feast of rich foods and well age winds but then The Lord will also destroy the shroud that has cast asked over all peoples and of course a shroud is something that is used for For bodies for coffins CETERA. So this is talking about death the the the shadows casserole people's sheet that has spread over all nations. God will swallow up death forever. We are giving we are given The promises that God makes with us that we will Be With God forever. And so then of course God will wipe away the tears from all Oh faces and this is the Lord for whom we have waited let us be glad and rejoice in the salvation that we are being offered by these by these promises says that God makes by the Covenant that God makes us. This is an amazing gift that we're given and we remember not only the saints in our lives who've gone before arrest but we remember the promises that have been given to us as children of God and the promises that have been given to those saints as Children of God. Whenever I do a funeral final service I always not always depends on the person but usually it's A person who had been baptized. If if not then I don't usually talk about this. But if the person who's been baptized than talk about the the Baptism of promises in the Covenant that the Covenant that has been made with us when we are brought into the family of God as children of God through the Covenant of Baptism through the sacrament of baptism and and how baptism and Christ's death and resurrection are so closely tied together because in our baptism we are baptized into were baptized into a death. Light Christ's and a lifelike Christ's and we are baptized into the promises of the resurrection. which is something that we remember on this All Saints Day when we remember the people who have gone before us we are comforted by the fact that we they have been given given these same promises that they have been given the covenant brought to a given to all of us but given to them as well by God Do WanNa look a little bit of commentary for this text and this commentary comes to us from Michael Ruffin who is the editor of connections smiling. Hell was pelvis publishing in Macon Georgia and he says that. Of course all saints Sunday is a day you to remember those who have died it is difficult to do so without remembering that we are going to die too. And that's not something that we talked about. Yet I mean maybe sort roundabout Lee as you remember the covenant of God's promises but it's true you know we we face our own mortality when we think about those who've gone before us So he he says that it's it's about remembering those who have died it's about facing our own mortality All Saints Sunday. He says offers an opportunity to proclaim the hope. We have in God as we face the reality of being mortal Oh people living in a broken and dangerous world and he says that Isaiah Twenty five six through nine helps us to do just that so he He says that our passage occurs within is h Isaiah Chapter Twenty four through twenty seven which is a distinct unit within the book of Isaiah because of its intense hence interest in the future and a supposed affinity with apocalyptic writings this section. It's often called the little apocalypse of Isaiah that's a bit of a tongue. Twister the little apocalypse of Isaiah more recent scholarship downplays the apocalyptic nature of these chapters. But there is no denying their interest in God's future working out out of God's purposes but in anticipating a Glorious Future Isaiah Twenty five chapter versus sixty nine acknowledged difficult and challenging present for its original channel readers whether this passage These three chapters whole originates with Isaiah of Jerusalem or with exotic or post celek writers and editors as he says seems most likely it acknowledges that the people being addressed experienced death of course they do as we all do do. The text may have in mind the deadly experiences of warfare and exile that Israel and Judah have encountered but the fact that the passage addresses all peoples leads us to consider the universal experience of death. You know and then he goes on to say that. All Peoples Die All nations even are subject to death. This is not an experience that anyone can evade or escape so he then chain Changes perspectives doctors. From what is to what will be and says that this passage further develops a theme. That's I addressed in Isaiah to one in the days to come the mountain. The Lord's House she'll be established as the highest of the mountains and shall be raised above the hills. All the nations shall stream to it. Now we read that God is going to bring about the promised. Wonderful Future on this mountain which is Mount Zion and the glorious future will include not only Israel but all nations. This future will feature a communal celebration and God will provide a bountiful feast that all nations will gather together to enjoy Oy the divisions and conflicts that take away so much joy from life will be gone as all nations fellowship with each other and with God God's great the future will include full provisions and complete community and this future will also feature life without death. Isn't that amazing. This this this feast that we're being shown this future. Promise a life without death when all all people are brought together when all our as one and that is not something that we experience in the world today right we we are not as one. We have conflicts with our neighbors with our family with other other people with Other countries are so much conflict in the world world and yet we are given this promise that one day this feast will happen. God's kingdom will be reality right now we just have this vision of God's kingdom and it's a beautiful wonderful vision and sometimes we see that vision the in breaking of God's kingdom in our world all that sometimes we ourselves can affect some of that vision in the world around us but we have that to look forward or to to give us hope to give us hope that not only those who have gone before us Are At that feast but that we will be at that feast that we will be. We have been given these promises and we have that future to look forward to so you get this really beautiful picture. And maybe you've seen artwork that depicts the this this heavenly feast One of my favorites is from John August Swanson and it depicts not only people at the feast but animals of all kind and he he he uses such beautiful brilliant colors. There's so much movement in his in his paintings and there's just so much going on in this in this artwork of this feast where not only all peoples and all nations but all God's creatures are brought together for this amazing feast and That just that gives me hope even though the world around me sometimes makes me not so hopeful. Time to take our second break of the podcast when we come back. We'll be finishing up by looking at the song assigned for this week. So stay tuned you're listening to the GS MC Bible Study podcast and I'll be right back. It's cutting getting into your exercise time. It stabbing you in the back nine and it's attacking your peace of mind. It's pain and it's getting in between you in the life you want to live CD medic target your pain at its source. It's fast acting relief with active OTC ingredients plus the added benefits of THC free hemp oil. Get back to your life with CBD medic available online at CVS. These statements have not been evaluated by the FDA this product is not intended to diagnose treat cure or prevent any disease. It's cutting into your exercise time. It stabbing you in the back nine and it's attacking your peace of mind. It's pain and it's getting in between you the life you want to live CD medic targets your pain at its source. It's fast acting relief with active OTC ingredients plus the added benefits of THC free hemp oil. Oil Get back to your life with CB medic available online and at CVS. These statements have not been evaluated by the FDA this product is not intended to diagnose treat cure or prevent any disease. He's tired of searching the vast jungle of podcasts. Now listen close and here this out. There's a podcast hard cast network that covers just about everything that you've been searching the golden state media concepts podcast narrower is here nothing less than the podcast blitz with endless hours of podcast covered from news sports music fashion looking entertainment fantasy football and so much more so stop located around and go straight out to the golden state media concepts podcast network guaranteed to fill that podcast is the whatever it may be visit. Www Dot M. C. podcast dot com. Follow us on facebook and twitter and download us on itunes soundcloud and Google play Welcome back to the GMC Bible Study podcast before the break we were talking about the first Old Testament texts assigned for this week. which came? I'm from Isaiah. And now we would moving on to the Psalm assigned for this all saints Sunday that Psalm. This week excuse me comes to us from Psalm. Twenty four the the Psalm in its entirety and those verses are as follows the earth is the Lords and all that is in it the world and those who live in it for he is founded on the seas and established it on the rivers who shall ascend the hill the Lord and who shall stand in his holy place those who have clean hands and pure hearts who did not lift up their souls to what is false and who do not swear deceitfully. They will receive blessing from the Lord and vindication from the God of their salvation. Such the company of those who seek him who seek the face of the God of Jacob. Lift up your head Oh gates and be lifted up. Oh ancient doors that the king of glory may come in who is the king of glory. The Lord Strong and mighty the Lord Mighty in battle lift up your heads or gates and be lifted up. Oh ancient doors. That the king of Glory Remai- come in who is the king of glory. The Lord of hosts he is the King of glory that is Psalm. Twenty four are and we definitely pack that a little bit. I think we have the the first part. The Earth is the Lord's and all that it's in it The world and those who live at live in it that that's pretty easy to understand For God has founded on the season established on their rivers God of course has created in the world and all that is in it and so the Earth is God's all it is in the earth on the Earth is God's the world and those who live in it and then it asks the question of who shall ascend the hill of the Lord and then moves on into some other directions so I do want to look at some commentary because yeah The Psalm is not quite as clear cut as maybe we would like it to be so the commentator for the section in is mark thrown fight. He was the Elva be level professor of Old Testament at Luther Seminary in Saint Paul Minnesota and he says Psalm Psalm. Twenty four is notoriously difficult to interpret. Thank you professor thrown fight. Because I was feeling very dumb as when I read through this I think and I don't know what's going on here. So well virtually everyone sees that falls into three parts which are versus one and two versus three through six and versus seven through ten their disparate nature renders most attempts to explain their interrelationship conjectural. At best and speculative worse pieces well here goes yes. I do appreciate a sense of humor in a commentary I hope you do as well. He says by far the most common approach to psalm. Twenty four sees it as a liturgy that sketches the return of the Ark of the Lord this rate return may be identified with an actual battle. David's kids bringing the ARC to Jerusalem which you can read about in Second Samuel Chapter Six verses thirteen through nineteen or Chronicle Chat I chronicles Chapter Fifteen twenty five through sixteen? I three it could be Solomon's completion of the temple constructed in I kings and chronic second. Chronicles five it could be part of the pre exotic Feast of Tabernacles or the Post Exotic Babylon Ian Festival marking the advent of the New Year since Israel did bring the Ark into battle and enjoyed military success as result one assumes it would also have been brought back and that its return would likely have been uncelebrated remember this is the Ark of the Covenant Not The one in Indiana Jones but Yeah so the creation and divine kingship. Our constituents who've of other ancient near eastern professionals and these are clearly present in verses one through two and seven through ten and the Holy Mountain in the sanctuary appear in verse three for six uses of capillary found in pilgrimage texts versus seven through ten mentioned glue. God's Glory Lori five times and many passages locate God's glory in the Holy of holies in the Jerusalem temple or in the tabernacle that preceded it in addition each of these three sections is assigned its own setting versus one through to as pilgrims approached Jerusalem verses three through six of the city's gates and versus seven through ten at the actual ceremony. So you're getting some idea a little bit more of a picture as to what's going on here may break it down a little bit look. At those sections From those contexts of the setting as pilgrims pilgrims who have arrived at the city's gates and then the actual ceremony or liturgy or celebration itself. So he says obviously much of this reconstruction is conjectural presuming a number number of rituals and ceremonies of which we have no record especially versus three through six usually construed as a test for admission to the temple but the quality's oldies addressed by this test or moral while admittance to the temple was denied only for physical reasons. Recent work on the song he says provides a measure of encouragement originally for this reading. First of all there is a growing consensus that Psalm. Twenty four is an entrance liturgy due to its placement in a series of psalms displaying a concentric trick structure second. He says investigation into the religious culture of the ancient Near East has provided several examples in which statutes or or idols. Were let out of the temple only to be returned to the temple later in what may be described as cultish parades. So if the art can be construed as representing God's presence without breaking the force of the First Commandments prohibition against idols or graven images we have backdrop for the obscure Mini Literature Liturgy yes so anyway versus one through to celebrate God as creator of all of course versus three these through six make clear that only those who seek God can enter the temple As indicated by the hill of the Lord and his holy place but the seeking is a matter of the will heart refers to what we would call the mind so matters of the heart in Hebrew have nothing to do with the will I'm sorry have have to do with the will not feelings or emotions so similarly the adjectives pure and clean belong to the spirit of the sphere of ritual in our way. The of thinking in the Selma sculpture are matters of morality and suggests that the proper qualifications would be concerned with integrity and honor. Those who gain admittance are showered Howard with blessing vindication and salvation and then versus seven through ten depict God's parallel entry So presence to sorry excuse me Into the presence of God as Creator and Redeemer The worshipper enters a receives seve's the blessing vindication and salvation that he seeks so he says in this context of All Saints The the text provides or proclaims victory of God not least the victory over evil and death. That is ours in Christ Jesus so as we await wait his triumphal return we can take heart that our loved ones lie safely in his care and I think that last part is the most helpful at least for me in describing driving this text so you can look at this text from a little allergic standpoint. It's he you know often when you read psalms they're the easiest. I understand of the of the text that we read not this week this week. It's I don't want to say convoluted that's not quite the right word. But uh-huh definitely difficult to wade through and and get to that but I appreciate the description of Liturgy Energy and trying to put it in more of a context and then But the victory of God at the end you know th the the worshiper the pilgrim And after doing the pilgrimage and reaching the place of God's dwelling and gaining admission admittance by passing by bypassing the the test whatever that may be then as it receives the blessing the vindication of salvation that is the victory of God and make sense in the context of All Saints. I think we're going to wrap things up for this episode. I WanNa thank you for joining me. I hope that you take some time today. Day and this week to think about the saints in your life think about those loved ones who have gone before and also think about the saints The saints in faith. Who are the people even people? You didn't know saints who have Inspired you in your lives of faith. Who are those people? And how did they inspire. You hope you'll join me again on Wednesday when we will be looking at the second Set of texts the New Testament texts assigned for this week. In the meantime have a wonderful rest of your weekend and An an amazing beginning to your week. In the meantime please do remember that you are a beautiful and beloved child of God thank you. You've been listening to the Golden Golden State media concepts Bible. Study podcast part of the Golden state media concepts podcast network. You can find this show and others like it eh. WWW DOT JESUS MC podcast dot com download. Our podcast on itunes stitcher soundcloud and Google play and just type in Jesus Mc to find all the shows from the golden state media concepts podcast network from movies to music from sports arts entertainment and even weird news you can also follow us on twitter and on facebook. Thank you and we hope you have enjoyed today's program. 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Even When College Is Free, It Can Be Hard For Adults To Stay In School
"Support for NPR and the following message come from Dulles International Airport with the highest on time takeoff percentage of any airport on the east coast. I a d means I'm already departing more at fly Dulles dot com slash fast. We're going to stay in Tennessee. Now, where if you are older than twenty five, and you don't have a college degree. You can now go to community college for free more than thirteen thousand adults enrolled in the program last fall that exceeded the expectations of state officials. Now, the question is whether waving their tuition will be enough to keep these students in school, Emily sign. A reports from member station W P L N Nath videos, are not what Jim Baker used to watch on his Friday evenings say that to a bag through ten five is a factor of ten. But now he says he's actually enjoying this is great. You know? Learn stuff that. Not saying they didn't teach it. I'm just saying that I didn't pick up on. Jim is sixty six and a school custodian go into college wasn't on his radar until his son-in-law signed up for Tennessee reconnect free tuition at community. College guaranteed. So Jim's wife, Kim bear started looking into enrolling advance tier state community college too. And then we saw the AllState head some like meet and greet sore, you know, informational sessions came recruited their daughter to come with. And Jim said, well, I'll take a long sure we'll go get dinner bit by that long. I wanted to go back to school. And that is how came Jim their daughter anther son-in-law all ended up rolling in community college for free with no two ish in taking the plunge seemed remarkably easy doing the schoolwork though was not for the bears. It's meant staying up late after Kim's twelve or fourteen hour days as a paralegal, and we had to get in the routine, we had to understand that you come home from work, you grab a sandwich, and you sit down and do the work, and that's really that and pizza, and I'm really tired of pizza came in. Jim kept each other on track. But further daughter and son-in-law the commitment was overwhelming. He traveled often for work. She was home schooling their children by mid semester. They had both dropped out staying in college. As an adult is notoriously difficult in Tennessee among those who start community college less than one in three will get a degree. They're having this wonderful opportunity to come back to school, but life is different as an adult. Amy Hoffman works with adult students that volunteer state community college where the bear started school. Her rule is park guidance counselor parts sympathetic listener, she was hired to help support adults in the Tennessee recap program whenever we can make a connection with them. And they feel like we relate. Then they know that, hey, these are people who are really going to hopefully, help me get through this. Help me reach my goals, getting rid of tuition payments, seems to be helping some schools are already seeing an increase in retention rates under the program, but there are still plenty of additional stressors for. Colts. They have not been in possibly in the learning atmosphere for ten years. Eight years, maybe twenty the technology is different everything is so different. Plus their textbooks to pay for and childcare to navigate balancing school, the family and work. What is the difference between the students who make it in the students who don't they may have moments of feeling overwhelmed by it all and want to give up, but they somehow choose not to that's been true of Thirty-one-year-old Megan Roberts, at least this time around she first gave college try four years ago. Then her special needs child got sick. And she dropped out fast forward a few years. And I seriously was at work one day. And I just looked up in everyone around me was really stressed. Everybody around me looked pretty miserable. And I decided, yeah, I'm gonna go back to college. This time Roberts came back with renewed determination and decided to focus on studying her passion history. And arkie algae. She also got hired as a student ambassador giving tours and working events for the school in exchange. Allstate pays all her expenses, including textbooks that's been a game changer and even still she's gotten shingles pneumonia, she even broker finger. I mean every semester his head something insane. But she feels more supported this time. And she's been able to tap into her own internal drive that grit. She's now a few months away from graduating the question for Tennessee reconnect is how many other adults will be so lucky for NPR news. I'm only signer in Nashville.
My Favorite Analyst
"At the nineteen fifty-five rose bowl goodyear began providing stunning aerial coverage of college football forever changing the way the game is experienced in recognition it's significant contribution the goodyear blimp is being inducted into the College Football Hall of fame as an honorary member it's the first non player or coach to ever be inducted els is David Pollack no one can touch the man who thinks sugar is Satan David Pollick is the best college football but college football podcast with Herbie and pollick now aims so many backstories I know you're going to have a blast for the next twenty four hours in that entire environment but you know one that you guys are GonNa talk about while you're there's also some of the says Palmer and Galloway can't forget about Acho and Mora but let me tell you my favorite analyst who lives next to a farm and talks right by the bears doing what they did on the road boise state crushed us both and so did Missouri we talked about them twice the podcast so far and those weeks Friday's podcasts go to be fed tastic was they play football and and I was laying the points eight and a half points you had Michigan and you're taking the points and here's the thing that first half way yeah then let's just just answer the question and guys also you know when you're talking to your girlfriend sometimes it's okay to just say whatever you want and it may not be what you feel but you just say week we split you SMU Iot temple we are not going to talk about that game you had Oklahoma state I had Baylor and how that that was fantastic games and let's get to our games here and let's start with Wisconsin at Ohio state a game that should have been I if they played a week earlier it would have been like okay who you got this whatever you want we're at that stage right now in our relationship so here we go okay herbstreet great you know so is Dez and Velma Sanchez the other way out of all your breakdowns of all the Games that's the best I've ever heard I mean that's the best yeah I got to the heart of the whole story right to run the big ten bragging rights but the way things have shaped out obviously with this coming off that lost the Illinois are we both lockstep here that it's going to be Ohio state's offense are who you are as a man and I'm ready realize and then just go ahead America's listening by wayside bed here because I had Penn state it is when you when you have your girls out there you gotTa make sure you let them know you're partners out there on the road with this show twice a week how do you feel about me as an too much for this entire Wisconsin team yeah and and you know we were talking about Wisconsin's defense a week ago and before the Illinois game and talking about how dominant I think Chris or Anzac Bond I think those are guys that can make it harder still from what we've seen from anybody who's played Ohio state and Reggie list I know if I had the button if I was the producer that'd be pushing the standing ovation but you just nailed it I mean that was that was perfect setting the world on fire Sean Clifford Toe to toe with Justin field than those guys that were talking about one of those is not there yet one of those make it more of a game that initially but the problem is man speed and Dobbins in fields playmaking ability that I just don't think they can contain what forth here before we get to pick I I want to know how do you view Penn state I mean undefeated here is there gap after what you watch too who obviously they got trevor and when you're talking about the dynamic teams like Jalen hurts in Oklahoma like those are the teams that Lsu has Joe Burrows go listen game days in South Dakota for that FCS battle number one North Dakota state at number three South Dakota state really great rivalry game when you go on the other side Wisconsin doesn't have Jack cones look good and his running ability by the way we'll be key in this game but can the offensive line protect was and then it wasn't so just some of the elements that they did it is going to carry over really well some of the elements of success for Illinois is going to carry out but I tell you what they've got a playmaker but Ohio State has three or four you know and that just this offense we we talked about it going in and I told you Clifford has a little bit of he's things you said all the build up and giving Wisconsin a little bit of love in their offense I think Ohio's they wins pretty big I think they win by double digits here and always I gotta I gotTa say some Nice things about you is that what I gotta just be honest just you know what it's it's really good and relationships to be honest and to tell you a lot of time Jason Safety that this physical number two that comes down the box and plays well I think I think Jim Leonard will have a plan in have a plan to slow down Ohio state and they lose your yeah your lips are moving but I'm just ready to here we had a bad I mean I'm I'm ready for you to own up to WHO's here's your host Kevin the Gandhi Friday means one thing to Pala can be here all the podcasts makes picks only two games separated US last by the way you're a Ronnie bell completion away from going overtime and losing the game outright rose your Ronnie Bell catches that and I think Michigan wins can they stay in good situations I don't I don't think they can I think we're gonNA see Ohio state pull away and win this game pretty big yeah I'm with you after all concerns in the in the Michigan game and I told you I'd concerns going into it with their with their secondary and their ability to cover in the back end consistently so I think there are notch below those top tier teams but listen they don't have to apologize for that and if they keep getting the ball to K. J. Hamblur and they keep playing great defense they'll be in every game but this week they've had they've not been six and a half points but they're on the road and I wouldn't touch that game not at all and Tony I gotTa tell you I I kinda what Penn state to win just for one reason I want the show takes us to the next game in the big ten and that's Penn State of Michigan State and it's going to be just it always is I it's just a you know behind the shed fight back and to November ninth but we're both going Penn state here we'll be back in a minute as we continue to roll through the week nine slate of first a word from at and T. and we'll be nuts. I like Morgan as a quarterback efficiency wise he's pretty good sixteen touchdowns and three picks what we'll talk about that as we get closer the other and so I think there's separation I think Penn State's defense is really good in the front seven they can call anybody issues but you saw the secondary have five states a really good defense I can't put them in that category because if again let's look at the top teams in the country Kevin and when Alabama's healthy they got on Saturday is that gap closer to the highway when we think I don't think offensively I don't think they're in the same stratosphere as Ohio State and Estate Yeah College football is great unless of course it's just okay like when students decide to paint their chests with different letters to spell some word and then they stand together to get them. AM on Saturdays in the fall is inevitable mayhem happens on the field off the field and in the polls mayhem lives on the wind in the rain mytton Sean Clifford handling a Minnesota team we're both teams coming undefeated whether whether PJ FLEX team's going to be ready I who knows I just think that that environment for something just okay is not okay whether it's college football fans or your wireless network you WanNa Watch the Best College football just like you want doing the but come on people you should know how to spell wildcats or bulldogs the purpose is to have a word jumble in the student section to keep your mind sharp down against Minnesota on on November knife I want those teams be undefeated at Minnesota because I want to learn a little bit more about Penn State here in that environment he's still he's still developing he still growing as a passer and I think you saw that in the ball game where they had two hundred eighty three yards Kevin at home against Michigan Michigan's a good defensive etc.. Get better protected for mayhem with allstate contact your local allstate agent today now back to the show Texas at Tcu now the potential for mayhem during the playoff race is rampant underdogs trap games unexpected weather etc etc plot and outside it at home and away. You can't stop mayhem from happening but you can get better protected from it with allstate on the foot of an Eric kick and during a trap game you'll find mayhem in the parking lot during tailgates charcoal that's not totally out and and Michigan state defense they're susceptible I think more on the back end in the front seven and you can can penn state take advantage I think it's a close game yeah. They're favored against Michigan State Homey they've struggled it's Michigan state I think they lost four the last five I think yeah silver for the in again go with at and T. America's best network don't settle for Typos on people's chests and don't settle for anything less than the best wireless earn football through a window a flat tire a loss side view mirror etc you get the point allstate protects you for mayhem in the parking ATV but their spelling the word wrong or they lined up in the wrong order sure not everybody's an English major and I get it we can all win the national spelling out of it has to do with injury they're banged up like creole yes and that's absolutely that's that's a big part of it but Texas I don't feel good about going into any game if I'm article this game because I cannot believe at Allston the fight that the less miles was giving four Texas defense because they put a forty good and yes now you like those are not real good and so it's just it's going to be a mixed bag it's going to be the old school big twelve teams harbaugh is career Michigan how do you view a game like this for horrible I mean it's a it's a big game but you know Kepala likes some hyperbole definitely likes it doesn't step up and play better but I'll take Sammy etlinger yeah he's the one thing that we know no matter what right that we can guarantee and it's not nate Stanley it Sam I saw signs of life when we talked about it on Wednesday I mean I I think I saw signs of life from Michigan that I haven't seen in a while and so I think it's a big game for Michigan but to me it's just about being work get the best college football and get at and T. best that work based on Gw one score September twenty nine thousand nine hundred because Tapei against Iowa let's get to the Michigan conversation as they host Notre Dame Paul Finebaum recently said this is the biggest game for Jimmy via outscore them a lot of times and their defense is going to have to get some proud about him and get better and hopefully you can continue to get guys back fifty five thousand guys injured last year the one thing I could depend on was defense every single week etlinger was was growing and getting better and you could see his confidence grow throughout the season but the defense you're like okay those imperative you lose close games so be it but when you get stomped out by Wisconsin you deserve to be talked about and I don't like how harbaugh blame the refs after the game it was really really bad and I listen I thought after last week I thought they lost a Penn state look bad again I'm like what what's what's the deal like what the heck are you going to do but depend on nate Stanley's versus Michigan's I was like really you can depend on nate Stanley's what have you watched that she makes you think you can offensive still finding themselves and goes through spurts where they're very very very one dimensional and that might be good enough to beat Texas if they're always do that and and I and I I get it but who else are you gonNa get it Michigan is my question like who if you went to the Brady hoke air and the rich Rod Georgia environment they will handle this Michigan Environment I'm so I'm going with the fighting Irish even though Michigan's laying the points as of right now by one which I feel just because Ian Book is the One quarterback in this game where I'm like I I'm comfortable here I think Brian Kelly we'll have some some designs and I think after handling the Hollick because I was actually before this podcast started before we talked on Wednesday I was GonNa Take Michigan but I'm GonNa pull pollick and I'm GonNa Take Notre Dame and goodyear is celebrating this honor by reminding you to look forward and make sure you're prepared for the road ahead discover more at goodyear dot com goodyear more driven no it's just I don't think if I'm Texas I'm ever feeling great about the matchup Texas is lane one on the road at Tcu so you got I will take Texas and a reason to gripe you talking about Oh my Lord have mercy that's the way was unbelievable unbelievable the whole offsides whatever I digress but I think I think Michigan found itself a little bit and remember Brian Kelly aiming good on the road against ranked teams and it's a struggle if I wouldn't have broke this down for you so eloquently on Wednesday a Notre Dame I will take Michigan I think Michigan offense is more is more believable now and I know the anger that's the guaranteed poor nate I'd say it'd take a knock on nape oh boy man I thought he was he was the one thing I could I could Lee uncomfortable with because everybody's taking on the other thing I serve as always knows something when this is crazy man it's like Miami general fence is going to be good I think they're a better team at home than they are on the road I e Iowa a couple weeks ago and he picked Iowa and so she can wolverines I'm GonNa pull pinged we just move on okay we'll just sure later Michigan's Michigan Michigan's Backfield I mean they're they're front defensive line was in that backfield all drives me nuts I think I think he's off base by the way you want you want to blame the rest go talk go look it will must champ for God's Sakes Oh you WanNa talk about take Sam Etlinger I mean you showed last week that it might be Kansas whatever I know what I'm getting for Allen Gary to season and he can run any can throw he's a dual threat guy. TCU I have but it is okay I get you but they're bad there's no week that they're safe any any week with that defense I mean listen eight point so they were winning at different parts of this game Texas had to put up fifty points against that have you been watching Texas defense all year but I'm just GonNa do apologize for for our purposes here as we discuss making these bets so all right I'm going with that by the way you mentioned who would they replace harbor on the Thursday lies on there is no way in Haiti's the way Miami has looked they should be the favorite they win by thirteen just like we don't know finding you to look forward and make sure you're prepared for the road ahead discover more at goodyear dot com goodyear more driven nobody in college football that is going to be able to do it I'm with you we're we're lockstep here hang on for justice second we're GONNA hit on Oregon Washington state what needs to happen can't slow them down who the heck can I mean it's just if if Auburn can't make it hard on Lsu and Joe Borough enforce more stops than than I don't know that there's further with goodyear discovered tires made to rise above the rest learn more at goodyear dot com goodyear more driven. I WANNA pick a game st when the Goodyear Blimp rises above a stadium it inspires players to reach higher and rise to the challenge of the game's biggest moments now it's your turn for the PAC twelve to get back into the College Football playoff conversation but first let's hear from our sponsor goodyear sometimes for inspiration you just have to look up but bob stoops at USC okay I'll be listening to that I I'd love to see how that plays out all right let's continue our picks Auburn at Lsu for more than sixty years the goodyear blimp has fueled greatness on the Gridiron by providing aerial coverage of some of the most legendary moments in college football his right hire matt rule now goes to Penn state he goes to his without question yes that makes that makes the connection to me a little I wanna see now this Auburn defense because when you look at this Auburn defense it's so good it's so good at every level can they slow now because if task for Lsu and man I feel like they've been the most battle-tested team in college football though and they they've passed every test so far defensively I still WanNa see more I would really like is Matt rule from Baylor yes that's the one guy that I think that if you still want to have your roots because he's a big ten guy let's not forget it depends state he understands the physicality but I also think it's fresh juice he will be a really good recruiter but I don't know if Matt rule is going to be in the college game in the next two years it's a night game PAC twelve after dark on ESPN organs favored by two touchdowns but the reason why I want to bring this up is I was really impressed here and I know you're going to be like wow we picked his game I I WANNA pick the game here because of conversation all right and that is Oregon hosting Washington State Am and pass rush has to continue to grow and get better but I I really the biggest thing I want to see what this matchup Todd Grantham had his swing at this offense and failed all right take it if you go USC and the US jobs opens I think James Franklin is locked for that I think I think the ducks and what they did in the second half against Washington and when you look at the way things are being played out in the PAC twelve north and it looks like it's all secure for for Oregon here if you want because here's what you could see happening and I'm going to go ahead and lay this out because my small brain you know thinks about stupid things like this when I'm at home at eight o'clock on Monday night but a little bit different I think you'll see they would do themselves well to hire James Franklin I wouldn't touch urban Meyer just because of the past and they've already had a past and about the freshman after going to the swamp a few weeks ago who you got I got the same as you I mean it's just hard to it's hard to bet against Lsu and this is another huge I think that guy's GonNa go in the nfl he has aspirations about the NFL and that that's never been a hidden secret here so okay Domino Games that environment death valley over bringing that defense I'm kind of curious to see how bone knicks responds in the environment that seems to be a theme here we're talking PAC twelve with Oregon's chances as well as UTA the messy question did you think when you watch that game did you feel that Oregon was was the better team potentially in to the conversation if we have one loss teams multiple one loss teams in the playoff how do you view the you can make a case and I know you've you've you doug that graven you bury them a long time ago you could make a case here with Oregon getting a chance and stuff like when you left Florida that stuff and then Ohio state their stuff in USC's already had their stuff recently that I don't know that's something you WanNa you WanNa do I think Bob stoops the another name you'd here at USC tube that is actually a fantastic name You got me intrigued here because I'm with you I think Franklin would be perfect there at USC good the plays where sometimes I'm like Oh my goodness this guy's the next version of Blaine Gabbert he does nothing to inspire me he looks like an NFL quarterback but he you know and listen urban Meyer I know he's a winner and he's a great coach but he every job is always comes with something you know what I'm saying like great I'm not knocking the guy but I'm just saying that there's always been time Oregon was Auburn and they came back and won I felt like Washington was I felt like they were dominating the game I felt like they were in complete control and doesn't make those plays where you're like we need a guy who's a franchise guy to make a play and then the second half he made a couple of throws and I'm like all right Herbert Uh what I felt in the second half was this is the Justice Herbert I've been waiting for this is the Oregon defense that I knew we could count on does that make sense if it felt like that for the majority of the game and again you say you can depend on Oregon's defense they gave up thirty one to Washington hadn't been that great offensively let's not forget is the Oregon defense is the one thing we know we can see them we didn't see them in the first half and then the second half they were they were awesome that second half and Herbert was really his for Oregon's running back if you got that one down pat yet to me the difference was the second half was that Oregon just physically dominated and physically ran the football we're going to pound away at you and we're going to be extremely tough and extremely physical when they play good defense I just I'm not I'm not going to sit there and tell you like that's what stood out to me and listened Oregon Oregon is going to be tested in two weeks at USC and I actually believe twenty eight of them came in the first half so the reports of the second half and listen to me the biggest difference in by the way got another name for you if you want to start getting ready for it is that I'm buying into Oregon and I think they're the best one loss team in the country I think they're they're really good I think Herbert had some good moments and I think playcalling wise they were they were phenomenal they were football and it was thirty three you want you wanna you WanNa give me the pronunciation for that by the way whenever he gets to it but it was me to me it was like all right we're going to run the Dagger Ah Arizona State and of course the civil war to end the season so they're still going to be tested but I'm just saying if this team makes it out the way they do won't win Utah that's a that's a grown man drive right there and that's that second half to me it felt like Auburn Auburn Oregon game over again except for this can you set it up perfectly I remember watching that play they rented a couple years ago to that success so I think they doubt up some great plays in played exceptionally well I just the at team at the end of the year that you went that's a really good football team by the way playing a true freshman week one that scores twenty seven points on you and takes the lead late lost auburn their best their best performance of the year like that that Washington Games their biggest win just because the you win in Seattle and how they did in the second half for that spot because again you're going to need a lot of help I mean we already talked about this only who you're gonNA put them in over now because Oklahoma looking like a lock up in either because honestly I've I've talked about this conversation with Oregon a couple of times and previously we we've expanded about eight seconds because you're like no there unpack twelve at least we didn't extending conversation where we could see some things down the road and it's still see by the way clemson looking like they're going to be there Alabama or LS Alabama LSU looking like they're gonNA be there Ohio state looking like they're going to be there there's a lot of ground to make up I we'll see him against Utah in the in the championship game there's there's not a lot left to be desired but Washington's a three loss team is that is that is that their best window is closed you know I mean I think Auburn is going to be a lot better at the end of the year than they were at the beginning of the year this certainly is not the season where you can afford to to stumble here because help and they would eat auburn to to be some of that held by the way they need to Auburn to to beat Alabama they need Auburn beat Georgia they need they need a lot of help from Auburn to be successful completely different team in the coliseum than when they are on the road and we've seen that you could take a look at the numbers where they just perform better but they still got Arizona the three and a half points and you're like Whoa what is this what is going on and who knows what to expect from UCLA. I I have no idea from chips team because the minute Alan up some great downplay the screen on fourth down was absolutely amazing especially against main coverage when you send the guy in motion in orbit motion and the guy runs across the formation good stuff here and you know we're going to wrap it up because I think the I had Arizona State of the UCLA and the reason why I brought that up is because the line is I'm not I'm not all in yet okay I'm not drinking the green powerade yet all right I'm not I'm not there yet with you you know they'll we're making progress and I'm not a victim of the and then Utah so I mean you got a couple of teams that you can you can you can look better and continue to grow and and and be a team that that is inconsideration for that element like I don't look at the Oregon Washington game and all of a sudden start changing my I watched the Oregon cow game like I saw that against a good I saw that the way the way it's so top heavy with at least five teams that you can make a case hey they're gonNA go undefeated they're going to go into I mean like but I'm not a prisoner of the Oregon Stanford game by the way I mean that was that was ugly bro that was not it was twenty one to six I think was the score it wasn't it wasn't pretty so I don't and if Penn State Beats Ohio state is is an undefeated team or a one loss team with that on their resume they're still ranked ahead of Oregon so there's still a they would need a ton I'm not and again we talk about their defense I want to see their defense and more to but Stanford's offenses is atrocious. We know that cows office is atrocious we know that I want to continue to see
"This is meet the writers. I'm Georgina Godwin the show today was recorded at the monocle winter weekend at Schloss Elmo in the Bavarian Alps one of the key speakers at the event was a Swiss German writer, who's also the editor of defray talk, which was named as European newspaper of the year two thousand eighteen a man who's were we liked so much. We had translated from German to English and serialized under the title last newspaper reader in our seasonal paper. Because welcome to meet the writers Mikhail you'll wonderful piece the last newspaper read, it was translated from German to English. It was read aloud for Bruyas on this station, who's also serialized in publication. And so it's fantastic too. Heavy here, particularly because you are the editor of the European newspaper of the year two thousand eighteen it's cooled dirt Freitag. That's true. But now to speak about my book, isn't it? But we start we start at that point. Where we're in fact, you are a newspaper editor, and you have written about a newspaper reader and you start the book by describing the ideal newspaper reader who is that person? This person is me. But it's also a guy called Thomas. Ben hunt who used to be famous author in Austria. And there was one scene who made me thinking about a my book Thomas banner was an stick reader of the Notre title, which is a term newspaper, and he wanted to read an article about piece of music bay more sat he wanted to read the critic of that piece, which was given an inside spoke. So he was looking for and set you call it not should item in his village, but he couldn't find and then took a car with another guy, and they went on and on driving through the whole western part of AllState couldn't find enter Ted. He even went to Switzerland to find one. He didn't say if you found one at least, but he met more than three hundred kilometers to search Notre tied, and that's for me, some kind of ideal newspaper reader not the reader itself, but the passion Coleman addicts spend medic-. Yes, of course, it's like some drug addict. And I wanted to write a book about this kind of passionate or addict and north in the perspective of publisher part of a rear and not even reading newspaper because sometimes the best newspaper reading is not reading a newspaper. You say at some point in the book is just about having access to that paper about content is not about reading newspaper from the beginning to the end sometimes about where do we read newspaper. That's very important. Of course, you read a newspaper in coffees Thomas panel, for example, was very famous to read the newspaper in old coffees of Yana, but also very lived in moon and the only went to cafes who would have not should item. Otherwise, you wouldn't go there and such on other places like the bathroom, for example, which is very important phone newspaper. Also say that in the bathroom, you'll likely to have a periodical. That's right. Read my book. Periodical stereo. I love the way you say actually, we don't really read periodical particularly Sunday supplements. They just sit in your bathroom, and they sit next to the Lourdes. Nobody actually ever looks at them. Only the bathroom. We can't talk about this without talking, of course about the digital age. And how that influences things you talk about you, quote is if there's something I really like rushed my laptop my posted on Facebook, which is such a wonderful kind of juxtaposition of the to the content of the print, and then the method of getting it on the internet, then as you say has kind of become the grand narrative of the world. Note if the world on one side on the other side of the internet is not good for us readers because it's immaterial. I can't make stories about the internet. I can't bring stories into the internet. Yes. But make stores or so when I bring piece of newspaper in posted on Instagram and more Facebook, then bring some kind of real world into the internet. Did it yesterday piece of the effort at because the effort was correcting a mistake. And he made a little note about correcting mistake was very funny. Explain that. No. But a lot of people liked that. So there's a big need of having some kind of materialism, even in the internet. If the information we need is on the internet. Anyway, why read papers what's the point? Because all the information in the internet. I would say if you have all information and interest need one Lincoln another link and the third Lincoln afford link. And so on we have it all here. It's all present. So you need a world in which information is not just present and the newspaper kind of all information it's impossible and newspaper will have maybe sometimes complete. You can't say that people a newspaper is not for give you information. It is for reading and really means something completely different than getting information. It means for example, you discover something you didn't think about it and good newspapers are Kotik Frankfurt arguments. If they to for mated, in my opinion, a big tragedy that the news. Purpose who still exist are very formatted and wary you can't explore monopolists in exception. But most dailies on like this talking about dailies. I wonder if the daily papers disappearing because a day is no longer how we regulate offload information. They will disappear and it's good to because. Okay. It as a day, but it's not a measure for information. And it's not the measure for reading, and I talked about in my book about when you read or you think you will read later, that's the principal and later can means end of today. But it often means weekend Sunday, not Saturday Saturday you start but mostly Sunday. But you haven't time even on Sunday and Sunday comes you have too much to read next and so on and so on that's reading and you talk about that in the context of being unholiday as well that that actually yesterday's. Newspaper is the best proof that somewhere else? Yes, exactly. I thought that was very some kind of Preuss Jian. Fannie when I noticed that. It's no problem that the Ceuta title is not from the day. But from yesterday, it's good like this. Because it shows you somewhere else. It's not available. Yes. Yes. Yes. And in terms of saving up, those periodical and your Sunday papers and all the rest as you say you keep the one Sunday, then it's the next week then it's the next week. So you went on a trip with somebody with an extraordinary New Yorker habit. Really strange. He gave me a big shoot case because they would go by train, I guess by car, so you can take with you car. And I did. So it was very big though, so many clothes with you. It's too much didn't open, of course, was curious. But it didn't. And I gave him the big suitcase. He opened it was full of New York. And I said. What's happening? No now, I have time to read. But actually, he didn't he did sometimes re may be one article or so, but. We're all guilty of it. I want. Yes, you forgive to complex because they the newspaper says you have to be read and the big mountain of newspapers or the mess in your room newspaper here newspaper essays, you are guilty because you don't read point out that a change of mind can occur by reading newspaper, and in fact, that the mindset of an entire generation can change what would be an example of that. Maybe not reading a newspaper, but reading newspapers can can change a whole generation Denver to bake times. For newspapers to one time is before second World War in between the wars. Maybe it's different in in England, but interminably also in Switzerland ever, so many newspapers part of intellectual discourse was part of public sphere was so much into the new ideas that I sort, of course, without newspapers, they wouldn't be such a life intellectual life and also the movement of nineteen sixty eight so just too big periods. And in this sense. I mean can change your mind. Not not that you read one article or must change my life. No, one can give you a good feeling or an idea or something like this. But being Rita can make someone a reader. Yes reader is a way of existence. In the press, and people aren't always kind about what they say referring to journalists. And in fact, you write the era of newspapers created a rather Julius breed of people. What do you mean by that? Doc wrote in his novel is usual impacted we want to be part of the power for tat. He will sell your grandmother. And he won't be also when pe- both that part of the power and part of intellectual world, but in not in a good mixture most some bit of this type this type is going through not to the history of traditionalism in channel. But what we call in Germany for tone for tongue means culture, cultural journalism, they have education, they have knowledge, but only half knowledge have education because it doesn't matter. They want to repeat part of the power part of intellectual world, but they don't write like a writer. They don't go to the mountains and write a book in two years, and they wanted now they wanted now that's very important. This feeling of I wanted now, and that was part of modernism, but not the good part. He writes about the process of writing. But not about the person reading. No, no, never never. There's not one reader in his compare to. There's not one reader even know Arias, the only readers are the journalist reading the critics of the other turn A-List, but not to learn. But to look at it wrong, just staying with literature modern literature. You right isn't conceivable without the newspaper. What do you mean by that? Most of the riders I concerned with vir- newspaper, readers passion. Not only Thomas parent also paid hun-chool, you wouldn't believe because he always said, no, no, no, no, no, no newspaper is this kind of modernism. I his cracked before then had a conversation with him. And he confessed that he also was an addict to newspaper that means he got his subjects out of the newspaper. Not. But not only days he had this kind of pseudo style he noticed and then he said, I must finish reading newspaper. It destroys my style. And if you go to literal history, for example, of course, Termine radicalled Hanish from class who was connected with Berlin police chief to get police information and turned and quickly into stories and out of the story cement his place. So. Patrick. But when if you go to choice, for example, he made the style out of the newspaper if you. Neil in Ulises, not only it's a story of newspaper because the guy wants to give a net to the newspaper and the whole story is getting from home to the newspaper, but it's also in his form newspaper. He took about a newspaper. We'll do anything not to insult it's faithful readers. But of course, on the other hand, it has to attract new readers, and that's very difficult urine editor, obviously, this is something that you deal with all of the time. If you have to compromise every day we are paradox. They say I want my world in the newspaper, but on the other hand say, no, I don't want my world. I wanted to to you. You surprise me you give me out of meanings. But if you do other meanings that means they're not in a good mood getting aggressive, but getting aggressive means in the early days writing a letter nowadays. It means you go online, but this is productive because it fixes the relation between reader and newspaper. So you live in this paradox. But surely also means that the paper is working. The very active reading the fact that you need to engage in that way is important. It's important, but it's a big difference between the old newspaper reader who is engaged and Hugh made up his mind, maybe he writes down the newspaper and fills the lines in between, but he couldn't get in touch immediately with public sphere. And for me. That's good. That's good. Because today, you can go immediate public fair and. Again, not having it all just in. The moment means I must try to letter. I must go to the post office. It won't be printed the same day maybe in one week and so on and so on that makes an person. Think that newspapers have confidence in their readers. Don't have don't have. But it's the newspaper editors sometimes have. Sometimes I've not owner stoned have at people don't have different bat. The tendency is clear. The reader some kind of child you can't trust him. He's bit stupid and so on and so on. People seem to think that about local newspapers, there's some disdain for them. They're think about. I mean, of course, there these people exist, there are people who are stupid, but not all and even stupid people notice, Ben, you think that they are still you understand my favorite. I saw it. And I started the behavior of my parents reading the locals that immediately noticed when an article makes things too simple. Talking about local newspapers, you make the fantastic point that it takes a lot more bravery to be a local journalist rather than international. Of course, you have to offend people living next to you sitting in next to the major etcetera etcetera too small world, which is more world. And you don't get the big prices. And you don't get all. But for your work. I mean in terms of we have a lot still alive. I don't know decision in England. But in in terms of still a lot of local papers and a lot of people trying to do their work means there's this candle. I will write about it. No matter who wants to win. I wonder it's kind of going back to what you're talking about about the internet. What a local papers for because you don't need it. Now to know what time the shop opens when the funeral is is it about a more visceral emotional tie of of course, I mean to peek in turnovers newspaper some kind of German world. Hi, matt. I don't know the English word. It's not how much it's a place where you live or you feel at home cetera et cetera. But not a real place. It's a high mart in the newspaper and a newspaper, which is a local newspaper is a newspaper about time as a newspaper, so it doubles. And that's very important. And I guess if people don't get that feeling in the newspaper that get elsewhere in the internet, you get a lot of groups just posting pictures about their high and so on and so on, but a newspaper is more of that the newspaper is not only posting picture of this great environment. But it's the story the story that makes the high Matt as really your life. That's what Thomas penatta also because he he participated at his local newspaper as a letter writer, and this part of this high feeling too if I don't agree. I write a letter so because by because it's my heimat so. Redick driven content is part of what sets newspapers apart from each other. But you point out that actually with press agencies newspapers becoming aside from Rita content. Exclusives, but becoming quite homogenized. Yes, call it melancholy or tragedy. I don't know. Of course. Yes. I mean, it's a sentimental book admit they are still these newspapers who are different still newspapers, I like exist, so at least to him about the ideal newspaper Rita, but you also seem to be quite fascinated with people he might not appear to be newspaper readers, and I really want you to tell us that story of Joe Stromer. It's part of everyday social logical behavior that you want to know what kind of guy is this just because he was some kind of close or he read some newspaper. Clubs everyone best the same close to count newspaper. If you look to your mobile, you can't so chose trauma. I was a fan of him as a kid because he was a punk rock because he played with the clash, and I didn't think of him as a newspaper reader, but as a man making good music. Maybe the lyrics are a bit simple, but Sandinistas brilliant, open to man, etc. Many many many years later sometimes is into body Dan with the mescaline was or what I called. I lost him a bit out of my mind. But then hurt that he died, and I read somewhere that he died if a newspaper, and I wonder which newspaper this was and it was the observer. Story. But I love that you then go back to the observer look at the day he died. See what was in the paper. I mean, that's quite extraordinary level of detail. Isn't it just you can track back to almost what he was thinking on his deathbed even thought about article multi Redmond the harder came? Zeroed in on the thing. He probably was reading. I forget what that was. Maybe it was an article about the singer of. Divers a an interview with him in removed to Paris. And he said, oh, I know. I'm completely different. I don't need any more this kind of rock and roll life and this Emma, happy, man. And I thought maybe died in this moment when I read that. Tribes corker is a happy, man. Maybe. Just before we go we are recording this with these incredible snowy mountains in front of us was sitting on really sunny Taras outside Schloss alma. We've been at the monocle winter weekender is the first time we've done something. Like this. You one of the featured speakers just tell us what this experience was. For me. It was brilliant. I go home if a lot of ideas, but they don't have anything to do with newspaper. I'm new ideas about food connecting people in in difficult situation, saying what is no good. But a try to change it. I want to go now home and go into pop and talk to people because the brilliant and simplest idea was just talking here. And of course, newspapers no talking is reading. Because it was such a pleasure for me to talk to you. Thank you so much. Linked to meet the rightist. Thanks, the production team of judgment, John and Christine Evans. You can download this show and previous episodes are website or up from soundcloud, mixed cloud, or I tunes. I'm Georgina Godwin. Thank you Phyllis. Nick.
Inside the High-Stakes Race to Cure the Coronavirus
"Social distancing slows the spread of corona virus. So stay a minimum of six feet away from others and stay home if you can more info at Corona Virus Dot Gov. Let's all do our part because we're all Hashtag alone together brought to you by the Ad Council inside the race to create vaccines and treatments for the corona virus. There's really no precedent for this researchers trying to move faster than ever before plus why global stocks are rallying the idea of guessing those lockdowns over getting back to some form of slightly more normal economic activities. Very much on people's minds. It's Tuesday April seventh. I'm Mark Garrison with the Wall Street Journal and this is what's news. Primary voters in Wisconsin head to the polls today though only after a twisty court battle over whether to postpone because of the pandemic. The state's governor ordered the election rescheduled to June ninth. But the Wisconsin Supreme Court ruled against him also the. Us Supreme Court ruled against Democrats who want to extend absentee balloting. Both courts have conservative. Majorities Wisconsin Governor. Tony Evers is a Democrat president trump and former vice president. Joe Biden spoke by phone yesterday about the government's response to the pandemic. Both sides agreed not to say much about the short call and said it was a fairly nice chat. President trump was among world leaders sending best wishes to British prime minister. Boris Johnson after his Cova nineteen symptoms. Got Worse. We're very saddened to hear that. He was taken into intensive care this afternoon. Little while ago and Americans are all praying for his recovery. It's been a really good friend who's been really something very special. Strong resolute doesn't quit. Doesn't give up talk to Anthony. Fauci says he's encouraged by what he's seeing has lockdown order spread. He said yesterday. There's a possibility there will be fewer than the one hundred thousand. American deaths forecasters predict it. There are around eleven thousand so far more fallout from the firing of us. Navy Aircraft Carrier Commander. Who wrote superiors asking for help with a corona virus outbreak on board acting Navy secretary? Thomas mody apologized for profane remarks over the loudspeakers of the USS Theodore Roosevelt. Mostly said he was sorry for the tone and did not think Captain Brett Crozier was naive or stupid but he did not take back the decision to remove him. The apology follows president trump describing. Modi's word choice as rough and saying he may get personally involved. President Trump says the government will bind. Nearly one hundred sixty seven million masks from three m. The president had criticized the company's manufacturing efforts of the CEO told us the company was doing everything possible to increase production which doubled in recent months coming up. Many investors are jumping back into the stock market global markets followed. Us stocks higher overnight. Asian shares largely closed up with European stocks. Opening higher markets columnist. Mike Byrd explains why some investors are now buying stocks. Globally are now quite a long way from the lows that was set in late. March when people are really really panicking about the economic impact of the various lockdown policies. Going in around the world. So you've seen quite a rally since then and it's mostly based on a sort of perception that things are improving you've seen in the real hot spot areas in Italy in New York Looks like Hey Sambas and deaths starting to peak starting to stole maybe even in some places starting to decline the idea of getting those lockdowns over getting back to some form of slightly more normal economic activities very much on people's minds and that's really what's leading stocks higher. It isn't a lot more complicated. The Knight you've also you see. Japanese stocks higher Chinese stocks higher. It's really sort of global rally based on not as slightly. That's risky outlook. Airbnb is raising a billion dollars from investors as it works through the hit to the global travel business from the Pandemic Journal. Tech reporter Parmi Olsen explains how the company faces a special challenge from the corona virus. This is a company that was built on the notion of sharing your assets with other people and yet now the world is being told not to go near other people or their things. We're supposed to self isolate so one. Venture capitalist recently told me that even after the virus it's possible that people might want to shift their spending back towards hotels instead of shared homes. Because they might feel just a little bit more assured that hotels have more stringent processes on things. Like cleaning and. Keeping the place hygienic again. We don't know how long the virus will be around for. After a short break we will go inside the relentless race to stop the corona virus. Happening now in labs filing taxes navigate taxis and with the Wall Street Journal's Your Money Twenty Twenty tax guide compiled by our trusted reporters and editors this e book covers. What the recent tax changes mean for you your company and the country. Wsj members can download now debbie plus dot com slash tax. Twenty twenty right now. Men and women in white coats around the world are doing everything they can to find vaccines and treatments. For the corona virus. There are more than one hundred forty efforts in progress inside universities. Drug companies and government labs. They're trying to do work. That can take months or years in a matter of weeks or days but the virus can move much faster journal Biotech reporter Joe Walker spoke with our Charlie Turner about the high stakes race to stop the Pandemic Joe. Give us a sense of the scope of the clinical response to the covert nineteen disease. Has there ever been anything like this before so I think you know in so many ways? There's really no precedent for this right as we all know as we're all living through it but I think in the past what you would see with eighteen or the first SARS outbreak H One n one. Another corona virus called. Moore's that you know you would see companies and and researchers who had experience within this disease area Start Research programs and then you know over time though those viruses tended to sort of recede or or die out of their own volition Sort of faster than anybody could could really come up with anything useful and so the research just started died out I think from what we can see now. It appears that it'll be different this time famous last words will give us a breakdown of the different ways that researchers are trying to attack the problem. Yes so okay so I is vaccines right. That's the thing that would be the best way. We want something where everybody can take it. And hopefully prevent all most of the population from getting the virus. To begin with. Then you have efforts to find treatments to clear the infection or clear the virus and people who already have it so in that breaks down to two right so the first is Repurposing drugs that are already invented already on the shelves or already on the market and trying to see if those can be useful here and then the other one is to invent new drugs from scratch taking what we know about this virus the way it's molecular makeup and so on and designing new drugs to treat it talk about where we are on various projects have any milestones been achieved. Look just with the caveat that anybody trying to predict when a drug will work come on the market. Is You know Speculating it's really hard to know at this point but on the drug front. There's a drug from Gilead. Sciences called Rim Desa Vir. Which showed you know at least some promising activity in animal studies and matador reports as well. We're expecting data from two Chinese studies this month. And so I think depending on what those look like you can see some movement there. I hesitate to say when that drug would get approved if it was successful in those trials. And that's the thing that's nearest term. And then we have some of these drugs that are being Invented from scratch and those are supposed to start clinical trials early summer at least one of them from Jenner on. What sort of timeline? Researchers giving you on having a new drug or vaccine on the market so the timelines usually here are six months to a year for drugs and then for vaccines maybe twelve to eighteen months to how something and those are really sort of best case scenarios. I think Wall Street Journal reporter Joe Walker. Thanks a lot. Thank you finally. Some American drivers are getting a surprise refunds from their car insurance company ALLSTATE and American family. Mutual insurance are returning hundreds of millions of dollars to their customers with Americans locked down in their homes. Car accidents have cratered so these companies decided to take the money they would have paid to settle claims and give it to customers. Allstate says miles driven have dropped as much as fifty percent since mid-march. We are here to answer your questions about the corona virus pandemic call three one five nine nine two eight two nine eight. Leave your question on our voicemail. We'll have our reporters and experts get you answers and that is what's news for this morning. We'll be back with another updated podcast this evening and we'll keep covering the pandemic and many other stories on wsj.com and our APP. I'm Mark Garrison with the Wall Street Journal. Thanks for listening.
4.6.20 PPP slow roll-out; Stimulus check updates; Companies helping people; Creating a will right now
"It's my pleasure to welcome here to the Clark Howard. Show where it's all about you and that wallet of yours and I wanted to tell you in the rush people's wallets prone virus. We're getting increasingly agitated Questions and upset people posting Clark Dot com slash. Ask and I understand. I mean this is clearly as situation that snuck up on us and eight so many people's wallets alive and my pledge to you is. I'm going to do the best. I can each day answering your questions and as I can relieving some of the anxiety you feel. I want to talk about that more later in this show but I wanted to start with something. That is good news out of nowhere right because a lot of this has been out of nowhere auto. Insurers are making money hand over fist because people aren't driving like normal. You may wonder how much driving is down around. The country as people are under various forms of shelter in place in most of the United States. I think and forty two of the fifty states and driving down about forty percent so I'm surprised some places in the country. It's down a lot more than that surprised. It's not overall down more than forty but the reality is was so far fewer vehicles on the road. The accident rates have collapsed so auto. Insurers are voluntarily in some cases before being ordered by state regulators to refined a portion of people's auto insurance premiums of the bigs allstate was first and then you're going to see a number of smaller players do so the first that I heard of in the country is one that's big in the Midwest called American family and they are giving people fifty dollars back per car you ensure with them allstate is giving people fifteen percent of the premium dollars collected for March for April May and others are gonNA come up with their own formulas. But you're going to see money show up. A number of different ways could be direct deposit back in your account could be a check back to you could be a credit towards future premiums but auto insurers or doing a really smart thing now being there to help while their insureds really need it and it's going to give people a positive feeling towards their auto insurers so one bit of good news is. I go into two pieces of very difficult news. They payroll protection plan. That started Friday and then starts later this week for people who are self employed independent contractors the payroll protection plan is off to a very very very rough start. The banks particularly the big ones have been very hostile to this program and uncooperative. Today smaller community banks have been very interested in helping people but are overwhelmed by the number of people applying so the as I said an expression last week I said the cavalry hadn't even mounted its horses yet. They're on their horses now and they're coming over the hill but they're not quite there to save your wallet and it is going to happen. Roughly is not going to be a smooth process at all. And it's GONNA require persistence on your part is a business owner get payroll protection plan. Money there is a new much clearer much more comprehensive guide at SBA DOT GOV that went. Live over the weekend where you'll be able to see the particulars of each program. But what happens? Is You file an application with the Banker Credit Union. That you fine. That is willing to work with you. And you file that application that takes about six to eight minutes to fill out very very very streamlined simplified application. Then you go into a queue with the bank or Credit Union when they will at some point respond back to you and say okay. These are the supporting documents we need. This is the proof we need of your payroll various aspects of your money that they will need from you. You know what you've spent for different things in two thousand nineteen in particular and they'll let you know what documentation they want. The documentation itself is very streamlined. And for those. Who use the big payroll services? The payroll services themselves are getting deluged with requests for documentation from the people they do payroll processing for and so the payroll services are putting up special portals where you can go get the exact documentation that you need for an application for the payroll. Protection plan is an example the second biggest payroll provider. Paychecks sent out an email today to the people who process payroll through paychecks saying that they now had all the data available for you and I says to assist with the reports that all of our businesses need to successfully and accurately apply for the SBA loan. Paychecks created a direct report and FLEX. That's their database for people use paychecks for payroll. They will include everything. You need to apply so on Friday. We obviously had chaos with people applying for this and here on Monday. We already have pivot where organizations that can support your business or helping you with that documentation. You're going to need once you're time comes up in the queue for your bank or Credit Union. They you're hoping to process your application. The good news once your application processes money should be available within twelve to seventy two hours for your business remember. The amount of money you can for is two and a half times your monthly payroll based on a formula affair. Pretty simple formula for you to be able to do so now. Let's move to the other big Roadblock in place for people to get money and that is unemployment compensation the unemployment compensation that Congress passed two weeks ago is kind of in suspended animation states are still waiting for final instructions from the US Department of Labor to implement the new rules temporary. Cova nineteen rules for unemployment. Which is where you get four months of six hundred dollars a week in overlay compensation on top of what you're eligible for from your state. Then your state rules are overridden is well for who is eligible for unemployment compensation from the State and so for pretty much the first time ever people who are non traditional forms of work is independent contractors. Self-important GIG workers are eligible for the six hundred dollars. Plus typically Mo- states it will be a reduced amount of unemployment in addition unemployment will go on an additional thirteen weeks. So you hear me say will will will because the state can't can't can't right now process. The number of people. Applying people need money now. Unfortunately it's not coming now. It's going to take a while for the ten twenty million people. Whatever number is thirty million who because stats can't keep up with how many people suddenly found themselves unemployed? It's GonNa take a while for all those people to go through the state unemployment process funnel for the money to start flowing. The money is retroactive once. The state gets you processed. The problem is what do you do for money today? Then I'm going to stop there and go to your questions again that you post for me at Clark Dot com slash. Ask Kim you got I I up I is Eric. Eric says that he's a physician for a large company. And due to their decreased work volume. He says that nearly everything right now. all outpatient care not related to the pandemic has completely stopped so due to the decrease work volume. They've had salaries cut. They've had bonuses delayed and he knows that other companies are laying people off so he feels fortunate but he's had to work much longer hours in Kovic Environment and he moved out of his own home to try to protect his family and not bring coded into their house so he did. That is at his own personal expense and now he's just found out that his wife's hours are being cut so he basically wants to know when you work for a very large company like his. Is there any help? That's on the way so the only potential help and and I'm really sorry about the disruption in your family's life both have you you and your wife suffering you not being able to be with your family right now. I mean that's a lot all at once. In just the last couple of weeks you may be under the new revised rules for unemployment. Even though you're still employed because you've suffered a pay cut you may depending on the final regulations from the US Department of Labor be eligible for partial unemployment compensation. While you're still working is unusual situation a law passed by. Congress looked into this as one of the elements that they want the US Department of Labor to address and so we have to await the regulations to know. If they're actually will be compensation for you because of the pay reduction you have suffered your wife being laid off. If that's how this plays out she will be eligible for unemployment compensation both the six hundred dollars a week. Federal overlay plus. What she'd be eligible for under her state guidelines. Joel Clark micro-mini says a while ago you mentioned series is savings bonds. Are those still a good idea. And how would someone go about purchasing those so if you go to savings bonds Dot Gov you can buy series is and it's a bit of a guess right now on whether series is a good decision you can buy five thousand dollars worth and the reason people are gravitating to series is. Is You get a base rate of interest? Plus the rate of inflation and the economy. There are a small number of economist but a significant enough number. Who believed that? The amount of money that the federal government is printing essentially to deal with this stem various stimulus. Laws will lead to a wave of inflation if they are right being in series. Ii savings bonds will turn out to be a very smart decision if they turn out to be wrong. And we don't have any meaningful inflation going forward. No HARM NO FOUL. You can sell. The series is savings bonds. After you've held them for a year and say I well that didn't really work out and you go on from there with how you would put money aside in savings but I think that it is a reasonable strategy to us right now if you do worry. That inflation is part of the picture going forward. I own some series I bonds. I bought forever ago and I'm keeping them the full thirty years as one part of the puzzle for me and how I deal with the potential for inflation that so far has not been any meaningful threat at all but some point could be support for today's episode comes from Progressive Insurance. Here's a fun fact. Progressive customers qualify for an average of six discounts when they sign up for progressive auto insurance discounts for things like enrolling automatic payments ensuring more than one car going paperless and of course being a safe driver plus customers who bundle their auto with home or add. Renter's insurance save an average of twelve percent on their auto insurance. There are so many ways to save when you switch and wants your customer with progressive you get unmatched claim service with twenty four seven support online or by phone. It's no wonder why more than twenty million drivers trust progressive and why they've recently climbed the third largest auto insurer in the country get a quote online at Progressive Dot Com in as little as five minutes and see how much you could be saving auto insurance from Progressive Casualty Insurance Company and affiliates home and Renter's insurance not available in all states provided and service by affiliated and third party insurers discounts vary and are not available in all states and situations. So we continue to take your questions that you post for me at Clark Dot com slash ask. Kim is up with the question. That's right this is from Andy. What advice do you give surrounding alimony? The cash flow through my business is between twenty and twenty five percent of normal nonetheless. I haven't alimony obligation that is bound legally. What is the conventional wisdom for this effort to not engage in a in a legal battle in the future? That is a great question. Part depends on your relationship with your ex spouse. If you're on generally decent terms with your spouse contact your ex POWs and say. Here's the situation. I like so many other. People had my income devastated. Can we have a temporary reduction that we agree to in the alimony? That's the easiest path of least resistance in a situation where people are not hostile each other. Who were formerly married? In a case where that's going to be a no go. Then the normal procedures you have to petition the court for a reduction in the amount of alimony that you're paying because of a great change in your income. I this is. This is a complicated and difficult process. That varies by state is divorce laws and how alimony and child support work vary by state. And if you're if you can afford to make the phone call you call the lawyer who handled your divorce lay out for him or her the circumstance that the great reduction your income and ask what legal options may be available to you but all of that is much more difficult than if you have a civil relationship with your former spouse and you can talk with your former spouse. That's the best path and possible best way to hit the point of least resistance getting at least a temporary reduction. And what you have to pay Joe Clark. Alley rights inches auto lenders offering payment deferrals with no late fees other than accruing interest. Should I take this offer and if I do? Will it affect my credit score? So it's up to the lender if it's going to affect your credit score what I've been advising. Is that if you do receive an accommodation on the existing loan like an auto loan. The you need to see either at the lenders website or it needs to be best on an chat where they say no. We're not going to report US delinquent to the Credit Bureau. You need that in writing somewhere so that you have the ability later if they do report you delinquent to use that as documentation with the credit bureaus to try to get the negative remarks removed from your credit but without any assurance of that yes the lender could report. You is delinquent even though you did what they agreed to with. You glad you're with us here on the Clark Howard. Show where it's all about you and that Walla Yours is. We continue to answer your questions. You try to make sure you got enough money to get by moving forward. Clark Dot Com and Clark deals dot com or helping you stretch every dollar right now and dollars. People want their twelve hundred dollars that Congress promised for the stimulus but there are a number of people who were not in line to receive that money because you made too little money in two thousand nineteen and twenty eighteen to file tax return in either of those years which is key to you getting the twelve hundred dollar check so over the weekend the US Treasury reached a deal with turbo tax where you can go to turbo tax dot com and you got hunt around because it wasn't easy to find it on turbo tax but you go to turbo tax and you file a free return put in one dollar of income for a year. You know if you had no income. He had to report put in one dollar they will loaded and take that information. Loaded in the IRS system. Then you're registered and that's how someone who would be below the radar will get the twelve hundred dollars stimulus check. So if you're a social security recipient you don't have to do this. There was a work around figured out for that on Thursday. But if you don't receive social security and you have not historically had to file a return and you want to make sure you got the twelve hundred dollars this is how you it again. You GO TO TURBO TAX DOT COM and put in the search box stimulus check. I guess would be the best thing I it took me. I found it three different ways searching around but they all required more work than they should have and you fill out the brief brief brief form takes just a couple of minutes maybe three minutes and then you'll be in the IRS system to get your money speaking of getting your money if the IRS has direct deposit information on you the money will start showing up later in the month of April on the other hand if the IRS has the male check. Who's just a briefing for members of Congress were the? Irs said? The checks would take all summer into early fall to mail checks to everybody which is certainly not the intent. Congress had for the program speaking of summer and early fall. I'm seeing more and more fear from people that the economy is going into a dark hole. And it's GonNa last forever and I want to tell you that that is not the case. It's not how this is gonNA play. You can see something that that is so confusing. If you're sitting there you've suddenly become unemployed. You're worried how you'RE GONNA pay rent mortgage by food and all the rest. Why Oh why is the stock market going up? Because the stock market is a forward looking indicator and investors believe that even though the current effect of Corona virus is hideous economic activity down roughly somewhere around thirty percent massive unemployment rate now that the effects of Corona virus on the economy being hideous will be relatively short lipped and this is based on a number of suppositions. And I want to tell you what those are first that the shelter in place going on much of the country is reducing the number of people being exposed and being infected by corona virus. What has been talked about for weeks is flattening the curb and that seems to be happening so that is really important but the second phase and their shelter in place only works if we get the second phase right and that is you read. What economists say and you read what Public Health experts say. We must we must come up with organized testing regimen so that people are tested who might be positive. People are tested. Who May in? Fact HAVE ANTIBODIES. That people are in fact put in a position. We know what we're facing. And once we come to assist them with thorough testing then it becomes much easier once we crush this initial wave of corona virus with the frightful loss of life or suffering. But once we crush this the economy comes out of hibernation. It doesn't come roaring back because think about the things that people are going to have to regain confidence to do going to sporting events going to concerts potentially going out to eat and sit down in a restaurant. Travelling by air going on a cruise a going to conventions a lot of activities then involve a great number of people in close proximity to each other. That's going to await US having a credible path of treatment but that path of treatment is not years away. It is measured in months away. And then we're at a point where we have disease management and that's when the economy can resume not the strength that it had leading into corona virus but at least resume to steadily start coming back to life in a way that we eliminate this massive wave of unemployment. So In Shock. Therapy right now but shock. Therapy only is effective. If we have a protocol moving forward for testing isolation of those tests positive and treatment priorities generally divided depending on whose modeling you have. The most faith in dividing people into four categories are people into five categories based on a positive diagnosis corona virus and then what level of symptoms? They're having we get that part right and the economy can resume functioning rather than being a sleep and Kim. What do you have for me right now? The question this is these are questions people posting at Clark Dot com slash. Ask Right on before I get to Christopher's question one thing. That continually comes in You mentioned what turbo tax is. Doing people are still saying that they are hearing that. This stimulus is going to come out of their twenty twenty taxes. And I know you've said that's not true. It's not true. And one of the things about twenty twenty taxes is that not only will this not be a taxable event. The twelve hundred per person. And if you meet the right. Criteria five hundred dollars per child update sixteen. Is that if you in? Two Thousand Eight hundred twenty end up this year with an income collapse where you would not have been eligible for the stimulus based on your twenty nineteen or twenty eighteen tax. Return that you then will retroactively. Get this money later when it would have really helped in the minute. But you'll still get the money later right on. Thank you for saying that out loud again. All right this is from Christopher Clark. Thank you so much for all you do. Especially in this turbulent time. I was wondering what your opinion is of the fate of the US Postal Service. I've been reading stories that because of Corona virus it could shut down by June. Is this realistic? The postal service was broke before corona virus and in order for the postal service. Which is not. It's a it's a Frankenstein in that. It's not truly a private organization and no longer truly a traditional federal function. But Congress dictates Wyatt operates. Congress is going to be forced in the fourth stimulus. Bill whenever that comes about to provide funding necessary for the postal service to continue deliveries and I hope springs eternal from me. I know it's unpopular with people but I hope that's also the time which we scale back the number of days that physical mail is delivered to people because the way people communicate today six day a week mail delivery is no longer necessary and we would probably be fine with alternating three day. Delivery depending on your address Monday Wednesday Friday or Tuesday Thursday Saturday. And that's one of the reforms that should come out of any bailout of the postal service. Joe Clark Ashley Road. And she says I've seen the information about BP offering fifty cents a gallon discount to first responders healthcare workers during the corona virus pandemic. My husband is a firefighter so I told him about this and he went to get his code for the discount but requiring verification through this website which requires all of our personal information including his full social security number. I read your article regarding social security numbers and I tried to use a dummy number and it didn't work. Yeah dummy number won't work for this so you have to decide. Is the trade off worth it? Is it worth it for you? And by the way for I go on I just want to express my gratitude to all the businesses that are stepping forward in a very tough time and helping out first responders and medical personnel. Because these people are putting their lives on line on the front line and having some kind of direct monetary appreciation is nice so having said that you have to decide. Is it worth it to breach your personal information in this way to receive the fifty cents a gallon? And I'll let you make your own call on that. I always talk about the possibility of your personal information coming back to harm you. When you put it somewhere versus the absolute certainty that by giving that information you save money. This is one of those things. And you've got to make that fifty cent a gallon call. And before I go to you Kim with another question one to say I did not end the statement. I just made mean to ignore people that are working in grocery stores pharmacies in the General Merchandise retailers and Warehouse Clubs people working in warehouses people working in logistics. There are so many people that are making sure that we can still eat that. We still have the supplies we need and they are also putting themselves at risk by doing those jobs. Kim One hundred per cent. All right this is from Casey. Casey says given these times at Miss Cova nineteen pandemic of what a regular people to do regarding rental payments. There are many people like myself who were laid off. Due to the virus can landlords and apartment complexes evict folks whose backs are against the wall? First of all this is Extremely difficult circumstance for both landlords and for tenants lot of rentals that we rent we rent from small landlords not from big impersonal private equity firms or big real estate investment trusts. Everybody's getting crushed by this landlords. Have as a general rule not been very accommodating to people Some have been downright cold with communications. They've sent to tenants in many jurisdictions around the state the country. You cannot be addicted right now. It doesn't mean that when Krona viruses over you can't be evicted but right now you can't be a huge number of landlords also regardless of where you live in the country have loans backed by certain federal agencies those federal agencies have said that the landlords are prohibited from doing evictions. It doesn't mean they can't come after you for the money doesn't mean that later. Once the corona virus emergency lifts of victory at that time but what I'm recommending to any Tenet is communicate to your landlord early. Tell your landlord. You cannot pay right now and wait for the landlords response even if the landlord says you know life's terrible and then you die kind of response. You know a cold calculating Kind of response. The reality is they may be bluffing. Because odds favor that you live in a state or local jurisdiction. Where even if you can't pay you cannot be evicted when I'm recommending. Is You do whatever search engine use. Google duck duck go paying whatever search engine us go in and put in a search on addictions corona virus. And then your local city county or state or try a search under each and see. What's posted about prohibitions against evictions? Right now Joel Clark. Billy said I'm being laid off due to the Kobe. Nineteen pandemic and I was looking into early distribution of an old employer provided Plan a retirement plan that was vanguard but when I called to ask about the waiver of the ten percent penalty. They said that this plan was not included in that but every article. I've read says something. The lines of temporary waiver of ten percent four of ten percent penalty for qualified retirement plans. So what exactly is it qualified? Retirement plan a in this case a qualified retirement plan first of all. I'm sorry about your financial circumstances but a qualified retirement plan is I have read is 401k an IRA and four three B. That other plans were not stated in the statute and more information may come out about that at a later time. But that's the limit of the plans that I've seen that qualify for a waiver of a ten percent penalty and Joe. I asked this individual post again. Exactly what kind of qualified retirement plan that he had and looked to see. If there's information specifically about that type you have a question for me right now about your wallet. Please go to Clark Dot com slash ask and producers Kevin Joe or asking your questions right now rather than you being on the show with me and Kim. Who Do you have a question from? This is from a gentleman also named Clark and Clark says we don't need. We don't need the government's twenty. Four hundred dollar bailout. I'd rather go to someone who needs it. What do we do give it to another individual? Since it's tax free money give it to somebody else. You know who really needs it in your family or your neighborhood or a friend. Give it to a charity that you trust. Give it to one of the big national charities if you don't have a specific charity that you have faith in so simply if it's money you don't need in your solid on your feet. Make that money useful in some way where you know. There's going to be a direct benefit for someone who is suffering from the fallout of Corona virus. So however that would work in your life. That's what I would do with it. The podcast normally would end here. But because of the unusual circumstances wherein we have additional content that we recorded earlier today that I'd like you to have access to and this will continue day by day as long as the events warrant. There are so many people stepping up to the plate. Who were doing what they can to help their customers. With the difficulties that people are facing financially because corona virus and I want to. I mentioned meant mobile. Am I N T mobile a lot of our listeners? Us men mobile which is a very very low cost cell phone company and they are offering all their customers unlimited data through mid may usually with meant you get these really cheap plans but it's metered data where you get you choose. How much data you're GONNA buy and you get only that amount per monthly cycle and now to help people particularly think about people who don't have a home Internet connection. They got kids. You GOTTA DO HOMEWORK. You might have do work work. And having access unlimited data is very valuable and something that they didn't have to do but they did and at and T. and cricket both have done an imitation temporarily of the new T. Mobile fifteen dollar month rate plan. Where for fifteen a month? You Got Unlimited talk unlimited text in two gigabytes of data month two gigabytes is pretty tight cap but with a lot of people do have home. Internet connection and are sheltering employees using very little sailor. Data lowering yourself to fifteen a month and staying within the two GIG. Cap is a fantastic way for you to save money and then comcast with six Finnity for people who comcast says. He's really ugly. Data caps on your home Internet connection and you have to pay a surcharge to be exempted from the massive surcharges. Massive fees. For going over your data and comcast is giving refunds to people since all customers right now have unlimited data without the ugly overage junk fees. And so they didn't have to but they're giving people money back each month. Who were paying the surcharge. In addition another piece of good news. Compliments of David Lazarus at the Los Angeles Times new report that Robo calls are significantly down because so much of the world is in shelter in place the crooks involved with doing robo calls can't get to work to make their robocalls so of all things to be a positive effect. That one is really weird but we sure will take it and the Robo callers are clever. They're like Locus and they will figure their way back into trying to steal money from you and be very why wary answering any phone call. That is not from someone you recognize to avoid the scourge of the Robo callers. And here's something else I wanted to talk about today. I told you last week that people were looking to buy life insurance in numbers that hadn't been seen in forever and I've had a number of questions from people about buying Life Insurance. Some insurers afraid to write life insurance right now but most issuing policies as normal and that's about people suddenly fearing their mortality so the other thing that people are trying to do right now in numbers that are unprecedented is get a will done and there are so many people with young children in the house or maybe you got money. But you've not gotten around to do a will 'cause somehow you decided you were immortal and now suddenly you realize them. Maybe I'm not immortal. So how do you do a will when maybe lawyers are not available to help you right now or maybe you have a simple situation and you don't feel like you can afford to hire oil? Well let me tell you who would not have. Simple situation blended families with minor children. That's not going to be a simple situation. If you own your own business. That would not be a simple situation if you have adult children. Who Don't get along and you've got money. That's not a simple situation. Those are all cases where clearly you would want to have a lawyer. Prepare a will for you this case a warrior would be doing so with you. Virtually meeting with you instead of meeting with you in person but I also want you to know that if you have a situation that would be one that you would more simple. You can buy a comprehensive kit right now from no low in L. O. DOT COM and the kids are available at thirty percent off right now. Promo Code you have to use his no low twenty Noel. Oh twenty the comprehensive kit. They offer is eighty nine bucks and you download it to a windows or Mac. Chromebook users are out on this but it allows you to do not just your will but a healthcare directive durable power for your finances documents for the person you name is your executor. You can say what you want your final arrangements to be. There's document for that. You can do Ladders in it. That would go to your kids or your spouse sir significant other if you want to. It's a very very comprehensive. Kid also has a section for you to organize your financial records so that you're able to put that together. The thing is called thing it's called will maker and trust twenty twenty. Now let me give you a word of caution. This gives you the ability in the software to set up your own trust arrangements but trust arrangements are very complicated documents and doing one self help is not something that I would recommend you. I can't I'm not oil. You're back in. Imagine any lawyer would say oh. Yeah juice draw. Your own. Trust wouldn't do that. But for all these other things. It would be a good way for you to provide protection for your family with any well program though if you get in and you don't know what you're doing you don't understand it. Stop and hire a lawyer. You're listening to the Clark Howard show. Thanks for joining us today. The Clark Howard show is produced by Kim. Droves JOE WARS GUARD DEBRA REESE AND GEM errors and remember twenty four hours a day where there to serve you at Clark Dot Com and Clark deals dot com.
Driving Less? Your Car Insurance Company May Want to Pay You Back
"With centro online from Pitney bowes you can quickly and easily print postage stamps and shipping labels even when working remotely experience a savings in your shipping costs with a free trial of central online when you visit. Pba DOT com slash B W daily from wondering. I'm David Brown. And this is business wars daily on this Wednesday April Eighth. Now is this happened to you. Friend of my producers recently left the house to drive somewhere a so-called essential trip to the store but when he tried to start car he discovered. His battery was dead because he hadn't driven in two and a half weeks under stay at home orders. We're all driving far less than we did. In the old days you know less than a month ago and aside from the occasional dead battery driving less has had significant benefits namely far fewer accidents that translates to many fewer auto insurance claims a financial boon to the auto insurers if not to body shops. But that's another story according to allstate. Ceo Tom Wilson. Since mid-march we've been driving thirty five to fifty percent less than normal. The dreaded rush hour is a thing of the past at least temporarily. We're even hitting fewer deer in rural areas according to the Wall Street Journal. Allstate's Wilson says the change has been sudden inconsistent across the country even in states without shelter in place orders state-by-state. He said boom it dropped. The company didn't report. How many accident claims it's received since we've all been staying at home but Wisconsin based American family. Mutual Insurance says since March eleventh. It's received twenty to forty percent fewer claims than it did last year at the same time. As a result on Monday allstate announced that it plans to give its customers refunds worth fifteen percent of their premiums in April and May for a total payout of six hundred million dollars. According to The New York Times it's also expanding its insurance to cover drivers who are now using their personal vehicles to make deliveries of food medicine and other essentials American family also promised refunds of about fifty dollars per vehicle. That's a total of two hundred million to come from American family which operates in nineteen states. The friendly gesture is a public relations boon for both companies according to New York Times reporter Ron Lieber but note as well but it's also one way to head off future bad publicity. If insurers don't refund at least some of these unused premium dollars the windfalls to their bottom lines will look terrible to millions of consumers who are ill unable to work or unemployed. Lieber says the refunds are also not entirely their own ideas on March eighteenth two consumer groups wrote to State Insurance Commissioners demanding that they direct insurance to give money back to their customers the Consumer Federation of America or CFA and the Center for Economic Justice. Together call for commissioners to demand that insurers refund premiums in a letter they noted that for millions of Americans affected by social distancing measures quoting here the annual mileage on which their premium is based has suddenly and dramatically become incorrect. They added. That relief was urgent. Not just to help victims of the corona virus economy but to make sure that insurance companies aren't getting excessive windfalls but so far only two insurance commissioners in Alaska in Pennsylvania have taken any action. Cfa's Robert J hunter used to serve as Texas's Insurance Commissioner. He believes that under Cova conditions. Many if not all of us are overpaying for our car insurance this week he took commissioners across the country to task stating that he was quote shocked at the silence from commissioners from other states with greater drops in driving and higher unemployment regardless of government. Action some other insurance companies are likely to follow their rivals leads. The New York Times asked nine companies about refunds state farm progressive and. Usaa all said that they're exploring refund options and expect to have some plans to announce soon others including liberty mutual nationwide and travelers made no such promises. Geico farmers and Chubb didn't ANSWER The Times questions. The refund plans leave observers not to mention insurance shoppers with few big questions. First of all. Are they enough so far? Allstate an American families say they don't know because they're making decisions using only a week or two's worth of data second will America's collective shelter in place culture be a financial boost for big. Insurers depends in part on what else they ensure for instance allstate's car insurance profits will increase Yahoo Finance says but it's life insurance business could take a hit and auto insurance that also cover. Your home could also be hurt already. Accidents under our own. Roofs are rising predictable. Then there are other variables with less traffic. People are driving faster the New York Times reports that means that while there are fewer car crashes. The ones that do occur could be worse. Finally allstate says that they can't predict what will happen when stay at home orders. End will be continue to work from home at least part of the time. No one's really sure just yet. Which means what for the average driver. If you're not covered by allstate or American family. You could call your State Insurance Commissioner and urged them to take action if you are so inclined. That's what the consumer groups would like to do or you could ask your own insurance company to give you a break which you just may get not that you don't have enough to do what with teaching the kids working from home applying for stimulus under job on him but at least there will be a little reward to make it worth your while for wondering this is business wars daily as we continue to cover the financial effects of this crisis. We want to hear from you when it comes to business. What's bugging you or even making you send us a message be wd at wondering Dot Com. I'm David Brown. We'll see you tomorrow working remotely with San Pro online from Pitney. Bowes you can easily print postage stamps and shipping labels. It couldn't be more convenient especially when you're trying to avoid unnecessary trips to the office for as low as four dollars ninety nine cents. A month you'll get access to special discounts and save up to forty percent off. Usps priority mail plus for being a listener of business wars daily. You'll receive a free thirty day trial to get started and a free ten pounds scale to make sure you never overpay with central online. You can calculate exact postage online print labels from your PC scheduled package pickups in track shipments from departure to arrival. You'll also save up to five cents on every letter and up to forty percents off. Us Priority Mail go to PB DOT COM SLASH VW daily to access this special offer for a free thirty day. Trial plus a free ten pounds scale to get you started. That's P dot com slash B W daily to experience a savings in your shipping costs with a free trial of Semipro online from Pitney Bowes.
Episode 10 - Access Affordable Financial Services with Tony Brevard
"Walking as we've got nothing to lose we're all in the time is ours. And we're changing amazed. Surprised transformed with no compromise. This is the game changing podcast where people deserve to win. Where magic moments shape our destiny and where insights from the world's greatest performers in business sports and personal development. Bring you to the edge and change your game. We welcome your host anisa akron guys. Here we are today Podcast with tony brevard and more importantly than his name is how he's here to help us what he's done and i'll share with you guys you guys know. I am a serial person and owned an allstate agency for twenty years than man. When i got into the business. There was no tony around to help me so it was every nickel and dime that i could scratch together to get in to experience. My dreams my hopes my wishes and stuff and counted on the support of everybody else sharing their nickels and dimes. And since with me to succeed tony man. The world has definitely changed Twenty years ago where that's base started now where i'm sitting here talking to you and you help. People dreams come true. Every single day asset relates to owning a business and getting them capital for the business is growing and scaling the business and eat equally all the way through the process to selling it. So tony welcome. Welcome i'm excited to have you here and Unabridged those. Please just share a little bit about yourself. We can talk business all day long. I i like to share those game. Changing how we can help people. But let's talk a little bit about you and share your story so that they know listen all right. Well i i'm going to say my name my last name. The right way is brard and we are like dislike the county in florida and the city north carolina. Somebody who was me money i think. But we'll work on that later. But i am a fifty two year old escaped banker from south carolina. Originally i grew up on in the country in a small town called camden south carolina which is horse country is the oldest inland town in south carolina. So we have lots of. I grew up riding riding horses and that kind of stuff. Because that's what they do there But also grew up on a pig farm. So i'm so hard work. My my father is is is my hero and he was an. He's still alive but he's he's retired but he was a A man with with a a a very hard work ethic And it passed onto me. He he was a schoolteacher. He taught commercial food service and learn how to cook from his uncles. Who were fry cooks back in the in the old days my father was born in nineteen forty three. So you have to remember back then. The folks that that looked like me didn't have equal opportunities in the south and so his uncle's north and they would they half of them. Were were fry cooks and half of them were carpenters and he learned from them both things. He talked commercial food service and while he was teaching commercial food service he would actually build houses on the side and end up leaving leaving the food in stroud together and beta a very substantial construction company before he before he retired and i followed him along the way so before i was a banker i also had my commercial contracts licensed when i was nineteen years old and i used to build strip malls on the side allows becoming a banker and my parents. Now yeah so stuff so we owned two restaurants together my parents and my and my family and just different things so the the the key for me is just perseverance and nothing beats hard work. Think the the harder you work. The luckier you get. And i think that that there's something to be said about really pushing for your dreams and visions song. I'm big on that and and that's why you know my hashtag on my things are i am money glue. I know how to find it. I know how to help people take to it if you work hard enough and follow what i'd tell you to do. You'll be successful so we do that. And and the other piece that we say is dreaming color. My dad always believed that. But when i would tell him when i was little boy i wanted to be before i went off to college and and the track and field and football and all that kind of stuff our small. I am small. And i didn't know that could accomplish certain things and he would say. What do you want to be. And i would say well i wanna you know. Be an all american in track. Whatever but you know. I'm small whenever he would just push me and get up in the morning. Five o'clock morning go work out before school. And all these things. And i became an all american but he would always say at that moment. He said don't just dream dreaming color. Don't just tell me what your dream is. Put stuff into it so when people tell me what the dream is i dream in color andrea black and white. Tell me exactly what it should be. Because you can't dream it. It can't happen but you're giving vision for reason so if you have the vision is because you can accomplish it. God won't give you something. Let you see something you can't do. So so that's a little background of me. Sorry aloun yes taking you so so much. I agree dreaming in color. Means you're truly seeing it right the Bill the dream. And if you have the thought you know let's can follow it through and and dream at end to reality right dreamworks. Not more about that goes together. And what i heard is that your dad is your your your hero and how he was always there for you. Crews that's what leaders do they walk. Besides you not always in front of you sometimes there behind you supporting you and you know. I heard you know him. Not being afraid of working. Hard i also equally heard intelligence in there about how to work hard because there are people who work hard every single day without the wherewithal to change some of those behaviors to get a different outcome and he continued to improve step by stat. Because that's what he did to. You is the minute you started to dream it. He continued to help you paint it right right. And that's exactly what he did in his life. He wept from building houses to helping you build a blueprint to live your life right so i. I can't wait to meet him. Where's dad camden. He's in camden mom. My mom is my mom is amazing as well. So i'm actually mama's boy but dad drives hard work but my mom is there too and they've been married for Gosh fifty seven years And they they live in the same house. I grew up in and they travel down to charleston a lot and go get on the beach and relax and and do what seventy eight year olds was supposed to be doing though living by enjoying every single day at this point. Ns well deserved right that. There's an everybody doesn't have to live life. Exactly the same and what i equally heard is why you are so magical. Now is not only. Do you understand the lending from a technical standpoint from an intellectual standpoint you have been on both sides you have been on the side of the building you've been on the side of the getting the commercial contracts. You've been on the side of owning multiple different companies. So you've been on the. I need money to build a company up to scallon company and knowing how to go in. Get it or where to find it. Now you've become that resource for the others of where to find it so that they don't just dream about their mission and vision and what they're building they actually have the someone like you on their team to make it become a reality. So let's talk about that. But yeah i think that You know your. Your life culminates over and over again and if i look back on it as you talk just now you made me think about it acronym remember just first time wanting to think entrepreneurially in oh in eighth grade going on job sites from my dad picking up bricks and moving up from one space another one where i know what i was doing in the hot carolina sunshine and and also you know flashing forward to when things turned sideways for the company for a little while and you got to figure out how to get the. The product team finished construction project. And i mean people telling you that. Your credit is no good because whatever's happening economy. You're trying to keep things going. So i've been able to see things from from all angles from from when someone does really well. And when someone gets caught in a tailspin and something goes sideways or whatever so when you when you try to finally create whatever the company is going to be it it comes from your point of real life experiences that comes from the heart comes from the soul. You can't let your your desire for utopia drive you to do something that doesn't make any sense necessarily but i think that you could always need to be pushing the envelope because there's always a better way to do it and i can't stand when someone does something in they say well. This is the way we've already done it. That would make it okay. It makes you always did it. Make it right so you have to have the ability and the and the lack of fear to tell from one. We're gonna do this different. Let's try it this way. And if you say what's enough confidence in have enough thought behind the model people come with you. And that's what we've done in these that we have now so we got in so that that banks have decided to let us drive the process on things so we do because we came a competence and thirty years of banking experience. But you know which that make you right. Banker makes you but you stuck around for thirty years. So i know plenty of why such a wise wise wise statement that you just said any equally said a mouthful there. You're talking about working with banks who they're six human needs working with banks. Their number one dj shuman need as a bank as a business center is certainty. You're number one. Human need as i hear it constantly is growth and so your responsibility to be able to get them to move. I as to mirror and match them to say. Hey i've done it and you have for thirty years but you equally have proven along the way. There's a way to grow and still make money into better. So now they've opened the door for you to expand and be of service to more because now that trust isn't the the trust is there the respect. Is there the foundation is there and you've been able to take certainty model and give them just enough variety which is another need to go. Wow it actually doesn't hurt and it feels good and we can work with it and so kudos Thank you but i think that that. That's a product of of who a person is at their core and by that i mean in my taste. I liked to believe that. I am very good person. I like to believe that. I truly care about the outcomes of what happened. Not just to the people get money to our how people get money four but to the banks that put money out there. I don't. I don't do anything just to make a profit. I do things because it's the right thing. And so when i look at someone they come to us. Whatever that dream might be. That's your dream. I cannot take your dream for granted i have. I have had my dream taken for granted before. I had a single string taken for granted i've seen people put in. Financial products are put in business opportunities. That were no good for them. They will never make it and the person wanted to get it done. So i can make quick money and move on and so our basis for everything we do is based off of a pure clean spirit and and truly one person to be successful at what they do and knowing this right thing for them to do you know. I don't do everything right. And i've got i've got. Everybody has their own little sack of demon so they deal with whatever but that that when comes to when it comes to this and when it comes to what i want the world to see as a legacy for what. We tried to leave here. I want them to be able to save ad. Capital nucleus and any companies within. That model tried to make better and easier for people to accomplish what they wanted to accomplish. And they didn't prove that because you. You aren't trying to make it better. You are and already have gone. You've it better already hence why were sitting here and talking because as you know to be on my podcast you have to gain the industry. You gam change the industry as relates to. Let's just take insurance as that as one piece of your model right now. You have been a game changer. To helping fulfill those dreams. When i got into the industry with allstate there was no sba loan because they didn't understand the model. So as i said man thank goodness at the time. I had to come up. Only twenty thousand dollars at tells you yeah. It was twenty years ago and now to even get started in the industry have to have a hundred thousand dollars is a scratch agency owner and that brought it. And here's we have been to that product and there you go a man that's the game changer. Right the minute allstate change their game. Tony changed the game. He was playing with allstate to continue those fill. Those wishes hopes desires and dreams so that century story about that. This this this is an and i mean this from the bottom of my heart I am here because allstate allowed me to make that product like literally. if weren't for allstate. Allow me make those product. We wouldn't even be having this conversation so the deal was this. I was working for a bank here locally Say names on here on the show honey. transparency is my game show. Yeah yes there sir. I'm not going to spare great bank. So but i was working for a bank called atlantic capital bank and quite even more honestly. I was able to create this product because they let it capital bank. Let me do some other things prior. So when i got back in banking after having a business failed with the with the great recession that had lasted for about a decade. That was a church sinning business. I went back in banking with wells fargo bank and did some business development for them on the east coast. Didn't want to do that anymore. Story a lot of national stuff prior anyways trying to get back to local app had a friend of mine from college. A gentleman named jim shebek. Who at the time was was running some things in south carolina for them Jam told me. Hey man if you could ever work with awesome create some products we can get you in the door and you can do a ton of stuff and he told me that prior a few times in any event i kept trying to with wells fargo wells act like they wanted to do it but they could never get their head around it because the deals weren't big enough for whatever winterland capital bank. A gentleman named juan lago. Who is a really cool Cuban gentleman who was a maverick like me. But you're much. I'm a maverick. Why we're setting here was about to retire. So i was in his last album his in his last two years of banking and i told him i had this idea about financing allstate insurance. Abc's because jam told me about it and one says what we've never seen anything like that before but let's try it so we just tried some basic stuff with some small acquisitions and then some refinance. We put them in the system wants. Let's do these less than to the to the sba. I make sure that what you said is true. And it's going to be okay senator. Spa came back approved with no changes. And we're often running long and short of it is did that for a year and a half with them and we grew so much. I needed them to give me an assistant like i was doing. I was probably doing. I don't know. Tanner twelve bills a month by myself. And out in in the banking world part of the deal is if i close the deal for you got exit. Come see you to south on the airplane. Literally every few days to seattle la but back to atlanta come home change clothes new york and that gets old and so i asked him for an assistant and they'd said no. I said okay. So i got on the plane and i flew to chicago and at the time. There's a gentleman at allstate named bill golf. I'm giving all these names because they know bill is so. Yeah yeah. I called bill. Nye said i've got this concept. Come up i wanna see you and your executives and this is really important and i get to chicago and bills got the room filled with people i never would have seen before all these super high exacts in your in your former allstate world and i commit to tell them that i want to leave. Atlanta kaplan start this firm. And i am going to get these banks to back me with. Sba loans but to do that. I know what it is that you guys need to have. What is there anything that you guys need. That hasn't been done yet. He said we need someone that can do this. One hundred thousand dollar product for working capital. And i asked him to tell me more explained it. I drew it up in the room. Call when banco phrase and said. I want to try this deal. They said yes. And i said to him i can do this for you. All of the country and he said. How many can you do at a time. And i was like. I don't know i'm new. I'm starting this company like right now. Thirteen and long short it is. They figured it would have on eleven hundred new agents a year. Something like that. Which was far more than i thought they would say so. You have to be careful. She asked for when you talk to big engine like allstate because she get what she s for in short though flew back home Resigned from the bank. You had one small bank locally called carver state bank which is a minority owned bank savannah. Georgia that our first step along that way and it grew and grew and we got two point. We're doing a couple of hundred of those a year and then shifted into much larger transactions asset at all that to say that The hundred thousand dollar product to your point which was the lifeblood of what allstate was based on at the time we made the model for them and probably saved some some folks because it but but but certainly very appreciative of allstate or even allow us to do it and we tried and and there's some tonsils wet and going as well as we wanted to build and some of the folks will call and say fixed these certain things and they wouldn't fire us they would give us a chance to build it so they they grew with us and because of that we've become very lean machine and i'm very thankful to to build off and others so bill if you're listening i really appreciate you want. Are you so you know. Best that beginning at. I did not know this until we came on today. Right that just tells you how many parallels i start. I was on the national advisory board and stuff when we were coming up with the instead of twenty thousand dollars like when i started in the business yet have a hundred thousand dollars and then fried of one person and me i had to have three teams out these agents. Get all these new hires. And how do you help them. Write a blueprint financially. You know for for not just financially but for marketing and for i mean everything that goes inside of the business in it's the parallels are the universe always knows what i think but it's a certain level of the game and there's only a excellent players Yeah in that area. You know what i mean. There's there's only seven people on the planet knows everybody well the and that's just it right and it's not that we don't want more people in our circle it's most people It takes a lot of grit. Everybody can go with you. Everybody go with you and you know. I do try very hard though to make sure that that we bring as many people along as we can It's a wonderful ride. It's fun ride. But i think that you have to be realistic. About people skill sets some people. Don't really even want to be a part of that. Some people are built to be soldiers and somerville to be generals and we have the discussion all time between my family. And i this you have to recognize where people are the one thing that we tried to do in that same model whether it's talking to us as a group inside of our company are talking to the people that our client base is. We try to make sure that that we let them understand that. This is a team effort. You know and so. When when. I'm doing a deal with you. It's not for me to do the dealing go away. I mean these folks both have done deals with twenty years ago or it's best of friends one of my best friends just literally. Just sit me at a texas now. He owns like twenty days restaurants and some other stuff and he's always looking for and went to do because of a friendship. We made twenty years ago when he came out of his office. He kicked out of his office and told me he do business with me. And so some of my best friends are. That's how our relationship started out. You know what so. Beautiful is at that moment. Everybody was as transparent as possible and it was real and somehow in the real news is the rawness which makes real connections happen cry. So why did he kick you out of his office for so i never been got in so what happened. Was i was living in south carolina. His his name is donald thompson. Don donald thompson is really great entrepreneur. But he is Let me rewind for seconds. That makes sense what i'm about to say in my first part of my life when i work for. Ncnb bank back in nineteen ninety I went to work for mr huma call. Who was the ceo at got to work for him. Starting in nineteen ninety five of ninety five to ninety nine. They had a division there that was called. At this point it became bank. Bank of america. Bank america bank of america. It was a division call. Professional african american banking. And mr mccall decided he wanted to cater to a fluent atkin americans around the country specifically because banks generally never say that they never say black or african american they would just say bank and and as much as people want to believe things leveled out they haven't and so there are situations where you have these. These black guys were captains of industry. Who were still boost wrappings. Because banks weren't talking to but they were buildings gargantuan companies like with duct tape and plywood But in that process was able to make these people who would be like the. There's a magazine called black enterprise in has like it's the e one hundred which is like the fortune five hundred but for african americans and so doing that during that four year period admit literally every black. Ceo in the country of anything. We're talking about like personally. And so we would have these conferences an advance and we bring him down and we would. We would go to hilton head and rent houses together. And and and You're living with these people. We got to the heritage golf tournament. And give your your living room. And macy able sloan or you know john john so if somebody's if in your house in their pajamas and you're playing spades night drinking bourbon and it tells you about how the bags started in one thousand nine twenty five off of whatever if it was insanely. That's what bound. Yeah an increase bill. So much in you because you've got so much early twenty twenty five years old. You know running a national division. Now's the youngest exact in bank of america but that being said don l. At the time was on the list of african american hotel owners he was the largest african. American owner of fairfield inns in the country at the time he was also a first round draft. Pick at the baltimore. Colts back in the day went to school at chapel hill so he went to the other carolina because i'm from south carolina be carolina but we despite all of that but anyway so like the. I like him already. 'cause i like anybody that has to do with the colds because i liked him win. Baltimore became the indianapolis area run from. We're we're good. I like him already. But he's he's the old baltimore colt but what donnell did was don l. back in that day. 'cause i'm fifty two so danielle sixty five so he. He's tenure ten twelve years older than me but back in that day football players didn't make enough money to actually just not like today where they'd make millions. I mean he he did really well but you still had to have a side hustle. But what he did back then was in off he will go to work for. He will golf. Balls rather with ray kroc and with mr hilton literally. You guys tell tell the listeners. If they don't know who ray crock is. Who is donald people. Are i know that you the founder of mcdonald's and the founder the hilton corporation paris. Hilton's daddy hilton's daddy and the man who started mcdonalds and those guys are best friends. And so don l. they liked don l. and he will go play golf with them but also he will go to work in the hotels and he go to work in mcdonalds like he. Will larry go. The kitchen and donal is a big. He's six five heels defense advance big do and he would be the big do with a bunch of money in the back of the kitchen but these guys making three dollars an hour like just doing a job but so thing he was when he retired was by. Mcdonald's started by mcdonald's restaurants. Mr crowd gave him access to some mcdonald's he started those built quite a few of them. Sold them and insane Fairfield inns sold those and so on flash forward at that ninety five. He's still had probably probably eight or nine of them left fair feelings but he's doing other stuff but i was coming to visit with him to try to get his business and got in the car and drove over here and me and my wife. We got into the car. And we're driving over we're gonna have spent a weekend in atlanta and got halfway here and ran into traffic jam. What's the latest like an hour. I keep going. This is that we had cell phones than but it's expensive back then. We didn't call people was like a dollar a minute you know and i was like well before the end of the minute like sprint. Used to say anything under a minute you get for free or like gonna go forty nine seconds right literally so but check this out so let me we. We get to the exit where we're supposed to see him. And i look at my watch realize what time it is. I wanna make sure. I'm close enough to be here at the certain time. Get there get to the exit. Call his office. Not say the corner running behind had a traffic jam blah blah. His daughter was his office manager and she said he will not see you. And i said why won't you see me. It's just because you're late. And i said but i had traffic jam. Said that's not his problem and he will not see you have a good day holiday. The phone and i literally sat there in that moment are said to myself. You will never called me late to anything again. And i will show you that. I'm the best banker you've never met. And he had seen me a couple times events but he never seen as a banker. And so i didn't say anything else. We went ahead our weekend like up. I'm going to enjoy my time so we wouldn't had our weekend went back to to charlotte at that time. And the meats. Now we didn't meet blah blah went through all that i kept calling kept calling and eventually got his business and he liked the perseverance and he said you know part of that is is people quit when they run into obstacles. Typically but i'm a graduate and we don't quit about anything so It taught me a lot about about how to do things and how to have to manage life and how to how to do it the right way and and so thankfully he was able to to show me that lesson without even knowing it and actually we talked about this. He and i and our families had had lunch together two weeks ago and he didn't know that story until i told him that. Just now i came. I'm who i am. Part of. Who i am because you told me i couldn't see you. And he was fascinated by that that he had laid it on me. I'm a beekeeper. Last what he even given me But it's been during their valuable to me. you know. i love the adb. We don't learn from textbooks right. He learned from stories in life and we have no idea the impact we have on another the best thing we can do is just honor our value set which is what he did. He honored his value set which had violated because of him honoring that you stepped up. Your values sets exactly exactly what we stand for. We fall for everything. We've heard right exactly. It is not a game. It's really interesting when you when you have these conversations with all these spokes whether be a donald thompson whether it be any just joe blow on the street. The reality of it is that you're right. It does antea value set and part of my value said that grows with that is still increasing. The knowledge base that people have you know being being a. I take pride in being a black man from south carolina. Who's done well in peniche in finance. Because i know what my grandparents went through an and and my grandparents and you know to be real my great great grandparents. I wouldn't know because they are from africa and they were separated from us. So you know what i mean so so you have these the the reality of life and and you know that your that your ancestors have been pushing for you to do well to share knowledge and share this love and i don't want be a never want be known as a black banker. I won't be on the banker to be black but also take pride in making sure. I do share with with people who look like me what this could look like in that they can do it too. Not the banking side because the bank of such. Don't do that let me show you how bad business out of the now. That's the maverick in you says. Listen now no no to that. I'm sorry let me just stop. you know. Don't do that so you know what you in this world of financial services and you see it all the time to assault all time when you had your state you have these people who are your clients. And they're making a gazillion dollars and their dominance boxer rocks. And you're like and they will listen and it pisses you like what the hell is wrong with you right. You wish you could beat an adult. Sometimes maybe what the well. How'd you get this money. How you keep those money they can the way you do but it does tell you things that you can go back and tell people who are younger than us and be able to say. Listen if i knew this thirty years ago albie doing this thing right here and and you know that's what i tell my my daughter. My daughter is my direct operations and my son does stuff with us till he seventeen but he but he does things on the side with us. He's a fulltime swimmer. Basically haskell. But but he works with us too. But i try to instill in my kids and my nieces nephews family cousins. Whatever that you really can't be what you want to be. But here's how you do it and how to do it without spinning. You know a gazillion dollars. I can still help you get rich and thirty s before us. So you know it's it's it's a it's a part of that you try to pass down and then you do include those lessons about you know getting there on time and don't want to say you're going to do now giving people chances like bill gave me and everything gets passed. It may get past a different way but but those values to your point definitely get stuck inside of you and you and you figure out what you to do. And that's that's what the the nucleus is all about is is it's a it's a big think engine and as ideals popout. They become companies. Anytime i if. I'm somewhere or if my family somewhere and i'd tell them you know if you see a process done somewhere and you look at it and you walk you can walk away from that going out l. Let's let's say you go to grocery store and you and you shop and you pick up some lettuce and you go to the cashier and you go to check out the lettuce and for whatever reason it takes longer than it should or the lettuce cost more initially because it's got to of wrap on whatever it is you get home you get to the car and go. Why didn't they just whatever whatever that whatever is that's a product because you thought it someone else started to you can't say why didn't they do whatever you got at least say if i did it i would do it this way. And whatever that new this way is it you can get with the right people find. Find the the post like you in this world who know people can help people draft forward alba sudden for neural. And you've helped change the world because you didn't put up with something that was shouldn't happen in the first place so we ask the nucleus. What people do that dumping companies like that. With like our tech one factory collaboration with alkyl every product of the cetera or with our with our own model seventy funding are the mount exchange. Whatever there's got to be easier ways to do things and if you if you believe it then go do it at least try it and they think some of the yeah. Yeah you're game changer. Hence why we're here right while but what you do to try to you. Make sure the people that are that are that are invested in you. Are that want to contribute to your world know that they're partners in my in my world. We are company. It don't founded it. But if our i don't have i never had an employee in my life. I got teammates. I have never said employees. All those subordinate ever have made. I build a family together my values for family. There's you know a business is no different than a home and if you can run your home well with all the parts coming into your kids graduating out while because they're doing well because you were good at leading them the potentially you can do well running a business if your house is running. Well you probably should be working for someone else's business right if you're mismanaging. Your finances probably shouldn't be managing company's finances right. It means very blunt man. Sometimes this is how it works right but but the other part of that though that goes with that that far with with the money side is. What's what's the role the carpenters house. The crappiest house in town because there were does the house was nice out. So i i will tell you that there. There are many things. I wish i had invested in a done differently but i was so focused on making sure everyone else. There's right so part of part of the blessing of knowing you is. I can kick some some of those things as well through some things that you're not do together but but but the reality is when you're focused on making sure that everyone used serve gets your best product. You often let your own needs. Go on on none undone you know but but as you care so much about what you present to someone else so totally agree. I'm in better shape now. Because i don't work out. I work out at a gym just for me. I don't work at the gym from others. That work out at the gym right totally. I was in the worship of my life when i was training people. 'cause i lived there at work there. I breathed did everything with you know. And let's talk about our partnership. Let's talk about why we're here. We're talking about that. I'm agencies scall- and sell her agencies so they need capital to build their their baby up bigger or equally they're getting a big payout and now they wished to have this wealth retention because they you know some of them are selling your agencies at thirty five years old and getting ten million dollars or in some of them. It's their legacy that they've lived with forever and it's the one time they get paid and they gotta make it last for the rest of their lifetime and we're talking about. How do we try that into bigger. And better right for them right. So that's how we part. What is man capitalizing. On the fact that your skillset in my skill set cross pollinating allows us to be of better service to the brian front of us. It allows us to say please. We've got another opportunity to share with you. That can make this even better for you. And that's hence why we're here well and part of the beauty of that too until your point. Yeah and i talk about one of our companies today. Mom the main company that that ties us together is seven eight funding group. Www dot seven eight dot funding dot com. I think you know plug it again. Because he fumbled on it the first day right. Ww dot seven seven a. like apple funding f. u. n. d. i n. g. dot com and we are the sba loan source where the outsource sba division for about twenty two community banks at this point. Climbing our main client base includes insurance services primarily like allstate armor some independence and then we do other stuff in the restaurant world etcetera but allstate is is our big baby. Interestingly enough though as a result of of covid and and other things the world has has spent a long and how things are happening. And by that i mean the folks that are that are in the corporate side of of these firms of allstate's farmers etc are coming out and buying large agencies. Also because of the way they changed the way the the compensation model works for some the agencies some of those older age selling. Because they don't want to go sell you know they they might hit golf balls and now a sudden the cop is built around you making new business cop model for everybody not some changes the cop motto for everybody and there were some as in every company thinks changes and there were some challenges with that and that will draw some people in and have some people move out and that's what but for us it's great because what that made us also do is figure out how to keep reminding the bigger products so now you have the shift from the hundred thousand dollar product to every deals now. Two million three million five million much larger transactions becomes. How do i help this person who has been a field sales leader for fifteen years by an agency for five million bucks and not lose their shirt trying to you know drain their reserves to get to it so our models is different in a few ways in that example weight number one we found a way to make sure that bring the tiniest to the table possible which is typically about five percent of the total project cost and then we also make sure that we give them enough working capital in that model to replace what they put in animation. They have one hundred thousand dollars to fit the allstate pieces wealth And so we do that on top of that though we don't do a cap on multiples where some of our competitors may say willing to do the set two point three times. Whatever we're a cash slow lender so up. The cash flow makes sense will do the deal. You know what. I mean so. It might have been three times more than three times. I don't know but whatever it is that the castle makes sense. We're doing it. And that's a lot more deals like that. We also count the broker business as as actual business whereas some post on account allstate business. So whatever in their models so are we. We definitely as charlie murphy say they spell show. I'm a habitual lines stepper. That's why we love. I flex every line. I bend it a little bit little for a jagged but my appreciate it. I won't do anything illegal at all ever but what i will do. Make sure that if the rules they can happen. And it makes sense of what you're doing acting explained to my based way to make it work for you and and we found. I wish that. I know that. I mean i honestly it happens away supposed to happen. I don't know that it would have worked out well back in. I'm not sure that banks would would have accepted then but now because we hearing five and a quarter on mine i bet five and a quarter on my because right. My book of business was intact. My retention. was there my. I was inner circle every single year. For seven i was seventeen years agent inner circle for fifteen therefore i had multiple buyers so i was able to ask for a big or multiple by harry the loan so the agency owner the x. agency owner is carrying still some of that loan. But i was cool with it. Because i knew the manager's son ex vice president on that's actually going into my center because he worked intimately in my agency so that he's doing time if i didn't have to carry it well. I liked that. Have that option. Yeah and unfortunately it doesn't work for everybody like that and so we try to make it where they do carry something very small maybe five percent of the of the note. Maybe but but in general we don't we don't have we don't have to deal with that very often so it works out works out well in our model and again for the for the buyers that works out really well because although they put money in we make sure they have enough money to to fit the model that they need to have one hundred thousand whatever took to be able to run the business optimally and so that that's again a part of what seventy funding does we just. We just tried to to make it better. Where france without competitors we don't. We don't have a bad reputation with them. Where a better business bureau. All that kind of stuff we. We're trying to do it right. But but the key to it is if you have all these folks coming out now buying these larger agencies number two how long they worked everybody's reserves. I'll look like they want to look so they may have the experience and they have enough to put the by percent down. They don't have several hundred thousand million but sitting in a four one k. S does not. How the real world looks and so you have to make a profit that fits that and so we did that in. It's made all the difference and so the sellers like yourself would be pleased because you don't held a big giant note in our model in our client's happy and and no prepayment penalty. They can do it. And the a great this benefits of play together so long. Basically you can help anyone. That's either a getting ready to be in the insurance arena or not just that. But we're kind of talking about that now. The ready to open an allstate agency reformers agency to use those as examples. And they can come. You are be. They are buying agencies so those individuals can come to you and still tap in on as partnering. You know i dealing with and working with all of these independent agency owners that at this point we'll need working capital to either a grow their agency or when they sell it right to work at. That's how many art nerd as i'm taking care of them fully from that aspect through that process to so definitely got so many means of taking and playing together with people so that we all went together or i agree. I think the beauty of this piece to than you have. No you made this the segment about me. And i appreciate it but the reality is this a large this really bad. You what you've been able to to give me thoughts on That you and i will be updating bear. Short order is not just when someone sales and they have this life event. And i will definitely make sure they understand things that you can help them do on your side Which are phenomenal by the way but also when someone is planning to buy when someone is planning to sell like there's so many phases where we can help them and touch them. Because i don't want someone to have a giant capital gains tax. They don't have to have it or i don't want someone to to pull money from the wrong place to their agency. They don't need to so we catch people early enough in these different phases. We can do that. I didn't have that option before met you app. Don't couple feel very comfortable with what you suggest. Yeah that it's important. I mean this. I'm a appreciate being on the podcast. But i i think the reality is. I wouldn't want to the podcast. That bills will someone who wouldn't providing something that i thought was going to be good for the clients either so i. I'd certainly embraced. What what you brought up to me when we when we first started talking. And as i've done more into i really liked it and i i just think that there's so many different ways to help people save money and maximize their return on the money that they get from these transactions as well so it yeah from experienced guys. I sold my agency. I two hundred third. Sorry we cut out there. Tony say it one more time for me. Just make certain. Eric i didn't. I didn't always listen to you. Just now go ahead okay. Yeah what i was gonna say. Is i sold my agency without some of the knowledge that i have now because of that knowledge. I'm paying for it so that people don't have the same experience that i did of capital gain taxes of to are over two hundred thirty five thousand dollars right. You don't have to have that experience. Because i i have knowledge and shared with you what we can do. Even if they're starting to think about selling your agency how let's protect them even before they fully finished with you so that a have this layer of protection not that we don't wanna pay the government but we only want to pay them. What's due to them. I've already taxed us on what we've done. Now they're taxing us also on our efforts of what we've built right and therefore if we have opportunities presented to us that gives us layers of protection. Then let's give that knowledge back everything we have has been gifted to us and our responsibilities to be a present and give it back to another as advice so if if experience something as you said with the grocery store analogy and i now using my analogy of selling my agency and knowing now a better way of doing it that's a product that's literally to be instead of a product. It's a service at. Yeah exactly it's it's it's it's an easy in but people simply just have to know about it before they could do anything about it and that's why it's so great for us to partner together because it was simply taking what you were doing and as you said us being mavericks we just constantly are fine tuning the processes and fine tuning and fine tuning. That's what makes us new age cutting edge and resilient and youthful at all at the same time and that's why people know when they play with us. We have solutions because we are so relevant. We are so maverick about it. We aren't going. I'm sorry we have nothing because what we used to do doesn't work for you anymore. Even though you're asking for my help now right. I love that love. It love it. So let's talk about something else guys. I'm gonna pimp out something it's called. He's got something. It's man needs to be up for new year's eve but i don't know it will be called alka delivery alcatel now alcohol delivering okay out co livery. I got it spell. Carly can't speak correctly to a mouthful. this is a free at. It's an app that literally you go in and you can order your alcohol and have it delivered to you at your home for the best price in your neighborhood. Or i don't know it's like ninety nine cents for the app or something. I don't forget note but if you want to go under and further to get the best price 'cause you drink more than i do. I don't know it's like four bucks a month anyway. Talk to this. Because i i'm pimping out because listen. We all know drink alcohol. We all also equally on a more serious note. No that we shouldn't drink and drive with alcohol and we also know that. I don't wanna go get the outcome bring to me if someone can just bring it to me and i can already be drinking at my house and just be more drunk when it gets there or maybe you get you. Get the gist of it. As let's talk about that because man we all drink and if we're gonna drink let's talk about how we can get it to us. It's the uber of alcohol versus the goodra cars. To be honest and literally. That's what it is it is it is the alcohol it brings into your house. You you said it. Maybe say it. This is a collaboration. We did with with tech one factory based here in atlanta a bunch of georgia tech guys but there are also the guy who helped build a basis for uber quite frankly and and we bought their company a while ago as part of one of our collaborations and this is one of the apps that they had and we liked it and we are concept the hand we took it and ran with it and built it up and here we are but alka livery is is really relevant now in this whole khurana world. No one goes out of house anymore and it has a few different modules. Were to your point if there's something right in your neighborhood there's no charge to that. Went as as you get out further if you want get get the best price. Say within five miles. Then it's going to be a little monthly charge and so on and so on but there's no upcharging the liquor there's a delivery charge much like you'd have instacart but low cheaper than that but the same theory of that if you're getting groceries and it allows you to to find the best price on your toes or whatever in your city and if there ever any specials that are going on around town and we know from your from your history of the company like you might be looking at all day but all of a sudden the pop up. No say hey. She buys tito's once a week. So bam bam especial at the stewardess five bucks for a half the whatever now the sudden every every little bit you put in your monthly membership pays for itself because you've found this price and stock up and do what you want to do it. It is very easy efficient. You say your membership is more than practically free insurance agencies to be called practical injury. Yours is actually free if they drink alcohol because you are guaranteed memberships five dollars or ten dollars a month guaranteed that you're going to save them that much because you know it's like not the best price the coupon you're gonna have the best price in town and now nope you can't go out and drink anywhere anyway. So at least why not have the call delivered to your house why it works on both sides so the beauty of it is it works well for the person who like me i. He does not drink feels a lot but some things like i mean. It's it's healthy seals out. The from erica's fatal. But you know for folks who there may be liquor store that is five miles away from you that you never knew of. Because you don't go that part of town. Traffic's too much for you or whatever that has the best prices ever you would never found it without this app and you still don't have to go there. They'll bring it to you so you still cove it free when you get when the alcohol comes to your house. The person who ordered it has to be the one to pick it up and they we have a proprietary piece in our app. That looks at either passport. Are the driver's license up there. Visiting from another country and passports sat around in matches up to make sure that they're over twenty one and if it doesn't click they can't get their liquor so we won't have any any minors drinking It just makes it easy and efficient at liquor stores for you. Yeah that's got through the liquor stores. Keep going no you read my mind. Yeah so for liquor. Stores is great. Because now the sudden if i have like my son goes to school down airport on the south side of town which is maybe ten miles from me but i know for a fact that there are several liquor stores with over there with some good products that never just pop into just 'cause i don't go on anymore because my son drives himself in this example that liquor store if they're in the system now all of a sudden folks like me if i if i have the premium membership i'm paying four ninety nine a month and i'm getting a ten twelve mile radius in that model now can get the liquor i wanna get from that same store but that store wins because now got a client from ten miles away. They wouldn't have had any other way and because they have this thing in a certain price. Run a special on the app and say today's special. Where every friday. We're gonna take two dollars off a bottle of whatever now a sudden they got this whole new stock pile of clients coming in who never would drive to the south side of town draft. Whatever part of town because traffic in atlanta blows and amazon alcohol. But you're over of it. Yeah i mean you really are. You're finding the best price. you're kidding. Guardless of weird is you're servicing all not exclusive your inclusive for aaron including. Then it's a win for the people drinking alcohol. The people selling the alcohol distributors every body. Because everybody's winning in this model and and drink anyway while and because we're not upcharging on that we're not a lucrative distributorships. We're just we're just like you said amazon and uber. Meet liquor stores here. That's alkyl that's exactly what you are. I sit you were just telling me. I'm like oh i just heard them and i can see now. It's so when. Are you going to get this finished tony so that we have to this right l. Just tease us with it. Now it's actually. It's actually i'll never teach you. It's actually finished and it's probably going to be Right at new years. I'm not sure we'll have it out before new year. Where it'd be functional enough for the mic sense for you Because liquor stores kinda get signed up etc thin. Really go with it. But we'll probably be going pretty hard liquor stores by mid january so the by in the first quarter we've got a nice base of stores in there and a nice base of members and nash. It'll be national in. Its scope so we'll come back and visit. We'll have a repeat of this in in january or february to make certain that yeah it'd be awesome run it and what we'll do it in your group will give them like a free. Ninety days are free hundred and eighty days or something. Let them start the process and make sure they really like it. And i love hearing that. But then you'll know how much alcohol my family and me drink and britain more. you know. Actually i think a lot of alcohol but yeah i i drink tito's like you. That's pretty much it. That's why i called you. The other day aid is your app. Have this thing on it. And that's what's good about it too for people like me. I don't know where to find alcohol. I work out more than i drink. I drink more water than i drink anything else so for someone like me. When i'm looking for a special gift is damn scotch for someone. I said how i can. Just go on to your app and there it is versus me on. I don't know what do you aware to go or how to find it or i'm not an expert alcohol and quite frankly no matter where you order from. Get it within thirty minutes so you know even if you have bad traffic in atlanta it would. It'd be within an hour. You had to go down again it so if you know you got a party tonight ordering now it'll be here you know four o'clock and how many people are running to costco or wherever else very last minute to get the alcohol. That was missing or something or something. Now you don't jack planning your party and allow us to be of service to you. There's no variant attached ninety nine cents a month or whatever. If you just want an honest they'll be there'll be enough special popping up on this system throughout the year that more than pay for your membership. You're not driving. You're not dealing with drinking and driving. You're not dealing with traffic if you're drinking you're not dealing with cost mark ups and your best prices and you get your time back want but another part about that too bottom line of that as well is you've kept a bunch of small businesses open because now those those stores are able to stay open regardless of what corona is going on whatever so it's it it works well on many levels. I'm excited for it clearly. It's an app that. Here's what i'll tell you most people drink. And therefore if you drink and when you're saying membership i wished to be clear to our listeners. Membership meeting ninety nine cents a month. There's not a hey twenty bucks nine cents. A member of ninth sensible mont for forget. I don't not mean that. does that gets you. You're the best deals possible for alcohol. Embrace versus you going to get it. You know sounds pretty. I like convenience. I'm all about fast and easy. Because i like to do so much. And that's what this is fast Superman pack agom advanced gone. Mike crazy right. And i'm just telling it's just it just made so much sense so these guys did a phenomenal job building it out. The tech one factory guys are amazing. The model is simple and easy and efficient and fits on your iphone. End on your on your droid so We'll we'll get you some samples of it in the next couple of weeks. You can start playing within yourself and then you can kind of tell people what it looks like will and to bring back to where we were about the sba exchange and you know you're seven eight funding. You have closed and i don't. I don't know your exact numbers. Roughly a hundred million dollars which how many there's one hundred dreams at least inside that right there. You've help people realized you know not the dollar the volume that you closed. It's the people that you've served and their family now living their dream versus working for someone else's dream so exactly. I mean it it it. It's been amazing How people have figured out what we do now. Seven funding as far as the client base. That we're that we're going up the country's you know five years old and now we're we're getting more people just kind of jump in and do whatever anybody might somebody to. My son is is heading off to swim. Meet today. way mayhem talking about but We we We now have. I mean heck by looking at our pipeline for the first quarter alone for just just the allstate side i to say it's like sixty five million but some that for the first quarter so there's a lot of dreams being fulfilled lots of folks being happy At i think will definitely prob for for twenty twenty one. I'm sure we'll be closer to probably won. Twenty one fifty on a bad day and on on the insurance at the the the the the the people that now have that tweet back in there. I that's what you're giving them. You're giving that embark back in their life. You're giving them that that. Hope in that prayer and that. Wow it's possible. That didn't this man. When i was in it when i started. I told you there was no. It was scrimping and scraping from everybody. I knew to get started. And you're saying listen. You don't have to borrow scripts great show you better way. Am we allow people to use gifts so if if grandma wanted to put one hundred thousand bucks. The she do that too. I mean we. We're very flexible. And how that how that looks. And i think that people need to understand that. It doesn't cost a gazillion dollars to to get your dream Until part of it's just educating people even if you're not doing a deal right now call us. We'll tell you how it could look at least complain out for next two or three years. What you wanna do how to save your money or whatever. It's roman built in a day. Let's just let's work our way through it will be good advocates for you. You'll never write me a check as you live. I'm free help so give us a call. It doesn't cost you anything ever to talk to us and we'll work the process with you. Explain it to you. You know people just need to be willing to. If you want your dream you've got to be vulnerable. You got to be willing to work for your dream dreams if you work exactly but just but you got also willing to tell people say you know it's going to be five percent down in that one hundred thousand bucks and you know you got fifty thousand bucks and you've got to go find it. Tell me about that. I can hit. Maybe tell you some thoughts and if you tell me at the same time listen. Two years ago. I had a string of bad luck and i had a foreclosure. Whatever say it you're not the first one won't be the last one and we can still get you rehabbed enough to get you need to be. But if you don't tell us we can't help you. And the worst thing is for you to think you gotta going towards the end and then some pop up the you should of told me about a month ago and then the bank's manager because the bank thinks you have a character issue because he had something where it really wasn't a hiding characters at all you embarrassed in this. Okay i can tell you. I've been broke a bunch of times one of my favorite stories ever as my wife and i when we first got married i was in charleston. A my first. Here's a banker and we spend too much money off my little twenty. Three thousand dollar salary fit. Listen this is where you know. Somebody's so so we do this thing and and we get last. I've got two days left. When they left get paid we go home. There's nothing in the refrigerator. And we literally had a dollar one dollar this israel and we drove to a windies around the corner and got a ninety nine cent burger and they waived the tax. So i could get the burger and i gave her the. We cut the bargain half an hour on dinner. And i said out never again. And she's like it is what it is good. You know we had fun whole month. And that's what happened but but teach about savings then teach them enough. I screwed up over time. But flashback on stuff like that in moments that could be embarrassing for people or you know you turn around and and you get thirty days late on a car payment because you spent too much on nelson you realize. Oh my god they don't take the payment anyway. Whatever and you're screwed and now you pay your your credit report has a dump thirty day late on it and you got explain why you say it spent too much money. You know whatever that is whatever. Your problem is situations feel free to tell us. There's we're not going broadcaster your life to the world number one but number two. What you think is a big issue. Probably isn't nearly as big as you think it is your nevertheless ended the first one. Do you want me to last one so and also feel free to come to us and let us let us help. Make dream come true. That's what we do. That's it with dream. More takes team working together. Were more powerful to actually really helped. Many many many more people's dream were right right. Andrew we you know have the ability to give people that life assurance not just insurance like you're talking about we do. This is what we're doing. Is something called. A life assurance assurance. Assure that flight back. Well you know what tony how about this. So that Any final thoughts he things you wish to share with people. Listening in wisden are not i mean. I think i probably talked to hold your heads enough today. But i think that if you have a dream go forward if you wanna talk to me about something totally different than the lending side and say. I had this idea about this product. How do i do it. I can lead in the right direction for that. Maybe as well but but again we don't. We don't charge for our services we're we're employees of these various banks etcetera alkalinity. You'll pay your subscription for but we don't charge for our our lending services And i never charged to bounce people's dreams ideas off of them so so reach out to us if you want And and if you have any examples of things you may want to do. I don't know how to get there. Been if i can't help you i can tell you can so you know we're always here was thankful for people like you in our world. Thank you and dreams work like we say when teams work and where their teams that will definitely go to work for. All of our cl- call him opportunities. Fan michael family members that allow us to work with them right. And i can't wait to play more together and i'm confident that Because we are now playing together. It not only. Is it game changing for us. We've had our partnership allows it to be game changing for the people we've already been surfacing on a much grander scale than what we've been able to do personally alone on by ourselves out when without players right and our our energies are are so in sync with each other yours and mine We'll do well for a lot of people but to your point us playing together. It's gonna be fun you know. Why one last thought is because it's our values that are intellectual said is there because while we have a well of wisdom that runs deep but beyond that it's our value that is there are heart set is there and are therefore we can build upon any intellectual set because we are constantly resetting that anyway that is a hardware reset that daily to get out the old so that it doesn't mean day there and clog we down so this just because all of those align allows us to be of greater service to many others that we par agree agree. I'm looking forward to it. This has been another episode of the game. Changing podcast with your host and lisa aker. If today's episode has you stirred up with a fire in your belly take action by subscribing and sharing this episode with a friend. And in the words of ron burn when we open our minds to the unlimited creative power we call forth condense and see and experience a whole new world. James the game.
Appreciation & Commitment - Daily Gratitude
"At farmers insurance. We know a roof can withstand ally. One exception being an airborne car seen it covered it click for more. We are. Underwritten by farmer's truck fire insurance exchanges and affiliates. Products available in every state capital. One knows life doesn't alert you about your credit card. Graham street in Brian in the khaki shorts your TNL energy, Bill when of sixty percent this month seems like you'd wanna know stand clear, the closing doors. So, you know, the Capital One assistant to catches things might look wrong like increases to a recurring Bill. Then sends an alert to your phone and help you fix it. Iino another way capital. One is watching out for your money when you're not gap a one. What's in your wallet? Capital dot com for details. Limitations apply. Let's take a deep breath in breath out. Today. I want this to explore how in my opinion appreciation and commitment go hand-in-hand when I'm thinking about the word commitment. I'm thinking about relationship commitment work commitment, committing to our passion or committing to something. We really believe in, when we are committed to something or to someone most of the time we have to make a decision to make that person or that particular thing priority and to choose it in spite of other things that you might choose. And when we are in the position of committing to something we can become really anxious and unsure, and that's because of the fear of missing out, it might also know it as full MO. And this means that we are afraid that there might be other option. That we can commit to that could be better for us one way or another. And that making a decision making a commitment could push them away. And I believe that this happens even though we have made the commitment, even though we might be committed to someone or committed to our work, or our passion, committing is the decision. We make each day and they need to do this, because there are all kinds of rights, shiny things that try to catch our attention that stimulators visually or through the other senses, and we might be tempted to think that those things are better attorney tiff to what we have right now to our current commitment. Think about the funding meme with the picture of a guy holding his girlfriend's hand and turning his head to look at the 'nother, I believe these kinds of situations actually lead to less happiness in our life, and less commitment. To less depth. We tend to look at the things that we don't have the things that are missing in our life, or that are just different. And when our focuses they're out there, we tend to forget, what we already have. In what the commitments, we are currently in provide for us. So that's why I think appreciation and commitment have a lot to do with each other. The more we appreciate the thing, or the person that we are committed to the more richness, the more depth. We will enjoy. And that's why each day, we must commit. And I think the best way in which we can commit is through our focus my focusing on what we appreciate about our commitments, instead of being sidetracked by all of the bright, shiny, things that want to catch our attention. So take this time right now to think about the things that you're committed to the people, you're committed to, and the remember you're y. Why are you committed to those things? Why are you committed to those people? What made you choose to commit and think about what you appreciate about your relationships, your work commitments and please take the time to do it now. Envy. Bacon crumbles on. On. I'll just go to Little Caesars little season. Big deep dish. Get a Little Caesars large Hon ready, Bing, deep, deep dish, pepperoni and bacon pizza, wrapped in over three and a half feet of bacon for just twelve bucks at participating locations, plus tax. Let's say you just bought a house. Bad news is your one step closer to becoming your parents. You'll probably mow the lawn and give anybody noticed you mow the lawn. Tell people to stay off the lawn. Compare it to your neighbor's lawn and complain about having to mow the lawn again. Good news is, it's easy to bundle home and auto through progressive, and save on your car insurance, which of course, we'll go right into the lawn. Progressive casualty insurance company affiliates and other insurers discount on and AllState or situations.
Episode 20: Will You Be My Friend?
"Hey everybody welcome to the podcast. It is really really close to christmas. i think we're about a week away right now We're just hanging out trying to get some orders out trying to get christmas ready for our families trying to enjoy the holidays and we wanted to talk today about something. That is funny and something that i am not very good at And we want to talk today about making mom friends so yeah so. We pulled in one of my favorite latch. Mama team members. Sarah who has been with us for a very long time. I think she's probably one of the crew and we're going to talk. She's very very good at the whole thing. So we're going to talk about how to build kind of your mom tribe And all that jazz. And i'm gonna lean on her a little bit and maybe learn her ways so thanks for listening. You're listening to latch mama. Podcast i'm your host melissa word business owner and tired of five. Join us each week as we talk about pregnancy nursing parenting and all things motherhood. Hi sarah. hey how are you. i'm all right. Thank you for coming out on this disgusting cold rainy virginia day. It's awful. I kind of wish it was snow but if it was snow it would have been an awful lot of snow. Kind of have stopped life and orders wouldn't have gotten now and the postal service wouldn't have come and it would have been kind of a nightmare. Unlatch mama land. I wouldn't be here now but well. I am glad that it is not snow. Then so tell us a little bit about yourself. So i'm a mom four kids. I have seven five three in. I guess almost an eighteen month old So yeah. My life is pretty hectic. I also work at latched. Momma doing social media. And i have a couple of other part time gigs. And i'm on the board at my children's preschool. Because i have enough on my plate. That sounds absolutely honestly miserable to me. But we'll get there and it has been. I'm not fred all right. So i feel like this kind of this topic came up. We talk about different podcast topics all the time. Latch mama a tough year. It's been lonely year for a lot of moms regardless of kind of what your friends structure was beforehand. But the thing that i really admire about. Sarah is that she has the ability to kind of be everything to any. Everybody like she'll check in on me. And i'll be like sarah. What why are you asking me. How i am and i'm like okay. Maybe that's what friends do like. Maybe i should do that as well to other people. Maybe i should find the bandwidth. But she's just really really good at making sure that she's taking care of others and building this tribe and stuff so we have her here today to have her talk a little bit about friends. You've a lot of them. I do like how many. I don't know have a lot of good friends to. I'm not saying that if you have a lot. None of them are good. I'm just saying right. But i feel like most people have like. They're like closest like you know circle that they're just more tight with And i feel like that circle for me is pretty big minus super small. Like i can like one hand small so okay. Let's start with like how you make friends. Let's let's get back to preschool like let's get back to like like how. How did your circle like. Do you still have friends from from high school or college or mom or my best friend in the whole wide world. we've been best friends since ninth or tenth grade. Okay and then. One of i guess. Two of my closest friends like they were both in my wedding. I've known one of them since second grade when we friends this is. This is my thing. Because i'm just thinking right now like the amount of hours in a day. There's only so many of them and my life's a little chaotic as is yours. Kids are very very similar ages Y so you're listing off these friends. Are we talking to them every week. Are we talking to them every month. Are we texting. Are we calling. Are we hanging out like how does the. How do the different rings work here. Okay so some friends. I definitely talk to on a daily basis or by text or phone others. It's like more like once a week and then some others. It's more like once every couple of weeks. Okay so let's talk about new friends. Okay this is where. I get nervous but go ahead. Why do you get nervous. I get really nervous meeting new people. I really do but you do really well but you make friends. I don't feel like i do. I feel like you should probably go run the other way but okay so all right talk to me about like the let the latest friend you've made it's really funny too. I'm gonna. i'm going on the spot really fast but like whenever we need like help it latch mama like we need like quick like order failing or whatever sarah is always the first one to be like oh so and so can do it and so can do it and i'm like who are these people like. How is your circles all bake like how like. So your friend nikki. For example works for us. Yeah how did nicky come into your life. College actually allstate allstate chorus in high school. We we were all state chorus and us and one of our other mutual friends who went to vcu with us as well. We were sitting three in a row at all state. Chorus all wound up at bbc. You all stayed in touch. Yeah she was my roommate for a year two. So she's just one of those people on your friends list. Why do you think it's hard like you have all these friends from high school and college and all that but you were just talking about. How like making friends now makes you wanna run or makes you feel uncomfortable. What do you think changes like. Why does it. Why does it change somewhere between that college and high school to kind of like the mom life world. I don't know with somebody like nikki. She doesn't have children yet. You know. But i've always been really real with her about like mom life stuff. Yeah and there's no judgment absolutely and we've been through so much in our relationship that it's just yeah we're going to be friends forever so i think that's kind of hit the nail on the head. I think in mom life when you become friends with another mom there so many decisions that are made on a daily basis mom in so many ways that others can judge you or pick apart the decisions you're making Use the example. We have a facebook group. That's different than our page and eventually wants. The facebook algorithms learned that it was a parenting group and then it was a mothering group. They all of a sudden us to have the people within the group post anonymously on their own because they recognized it as a judgmental space not our group in general but just parenthood in general which i thought was such an amazing kind of snapshot of what we're doing to parents especially moms right now and how do you make those friendships. Knowing that there is so much judgment out there you know so do you. I know we have some mutual. I would call them friends as well How do you navigate that space knowing that you know. They may not agree. Perhaps with some of the decisions that you're making you just hope that everybody's mature enough to continue. I mean i think certain things. If you have a discussion about it and disagree it's like you have to know your boundaries As a mom and like okay. That's not okay for me. And i would hope my friend wouldn't do that. Maybe but at the end of the day it's her kid men. Hopefully she knows what's best for them absolutely. I think you have to find a spot somewhere in parenting where i don't wanna say like i don't wanna swear but you know you just can't give any more fs like it's true the end of the day like you literally just have to be so confident and the things you care about and the things you choose not to hear about because i can tell you especially the more kids you have. You can't care about everything. There are certain things that you have to let go at the end of the day or during the day and you just kind of have to be confident in your decisions and then i think at that point. It makes friendship even easier. Because if you're not judging yourself you really don't let other people judge you as well and you find the right people and something that i've learned like the older i get. I'm like other people's opinion of me. Not my business. And i hope that people close to me have a good opinion of me but at the end of the day like whatever. It is what it is absolutely. I'm not going to go out of my way to change your opinion of me. Because i'm not going to sacrifice who. I am absolutely does that. Does that make it feel like you have a smaller circle. Like i mean i know that i i started this by saying oh i don't have any friends i mean i have friends like you're my friend like there are friends that i have but then i think when it comes down to like true trust who would be there in that like dark dark moment. If my life started falling apart. I mean like i know you would be there. There are people that i know would show up but at the end of the day like i really true. It's like my partner. You know like it's eric and it's my kids and that's where i end up at the end of that day. You know like it. It's it's interesting because there's so many things that can go right and go wrong and so many decisions that you could make throughout the day where some places that you have found friendship as a mom so My kids did romp and roll classes when they were smaller. And one of my really good mom friends. We met there and she was the first friend that we made like because of our kids like mutually like for them to so that was really cool. And she's like kind of one of my like ryder die friends and how again like no judgment between us like what so. Talk me through the first couple times. Did you go to rock and roll where you're like. Oh my gosh. I really hope she's here too and like was it like dating at the beginning Our kids our oldest kids went to classes together. And i had not seen her at our class. Before 'cause we went almost every day. And i guess the first time i saw her her daughter walked away from her something and she said okay by felicia and i was like okay. You're totally my people. We'd be friends and she's kind of like me like in the beginning. She doesn't say a whole lot. So i was like. Oh i don't know. But we wound up in the baby wearing facebook group richmond and you had an exchange numbers so i posted something and she commented and was like. Oh we miss seeing you. And i looked at her profile and i was like oh. It's her their heart's racing like yeah. Yeah so you became friends. So did you like schedule. Your first eight. She had posted on facebook. Like i want to go the gym. Can somebody watch my daughter. And i was like bring. Does she dropped her off and they watched frozen together and she went and did her workout and like we hung out for a little while after. But yeah just kind of like organically. It wasn't like forced you know but yeah she's got two kids like same age as as mine. So is there anything that you have found being friends with her that you all don't agree on or anything about a work through or is it just kind of a mutual respect kennison's stay one I think really a mutual respect kind of thing. We're really like minded about a lot of things and we're just really honest. People in general were not going to blow sunshine. Many ones you know what our friendship is. Just really easy like that. Have you run into any situations. Where like new moms can get really mean girly when it's more than one in a situation when there's like a group of them or group of moms You know you hear a lot about you. Know just catty. Pta meetings and and stuff like that like jimmy advice other than just be confident in who you are and yeah i mean. I haven't had that experience. Because i feel like when i've maybe gotten my friends together. I have a sense of like who will get along well with other people. And i just wouldn't put them in that position. If i thought something might not work out well but yeah. I think like what you said. Just kinda be true to yourself and not worry about it and if you don't become friends you don't become friends and there's somebody else out there for you. I don't know how. Okay so. I start like getting kinda shaky when i think about the fact that you have so many like. How do you maintain that many friendships like this many and at the end of the day. Sometimes i'm like oh have i touched base with so and so or hey. Look my best friend from college. We'll go for five weeks without talking to one another in. She'll call one day and then she'll call the next day and then maybe the third day i'll answer the phone and like make time to talk to her. Not because i don't adore her but because like literally. I have to shift mentally you know and i want to be there and i want to listen and i want to be engaged Do you feel like how do you manage all of that. So i think. I try to do a good job of being the one to reach out. And if somebody pops into my head if i can't reach out to them like in that moment just make a mental note like tech so and so like soon and just say oh i'm thinking about you. Hope all is well and just like touch base because it's a relationship like it can't be. I can't wait for them to reach out to me. So i i try to initiate that first. Step when i can. I haven't had the bandwidth to very much. And i feel awful about it. Well i mean. I feel like it's with right now. What advice would you give bombs. Who are struggling. Who are maybe at home with one or two kids pandemic and are trying to find some companionship and comfort and all that jazz. I don't know that's so hard right now because you can't exactly just meet up for a plate and you know you can't get a break and your time has probably occupied twenty four seven by your family and you know all the other glass balls that you have to keep in the air. I mean i think there are some. I mean not to toed our own facebook group but i feel like latch mama. Love is is a great one in the sense that there. It's very well moderated by sarah and by myself and by other people who you know. We shut shut judgmental stuff down pretty pretty quickly and i feel like it's it's been a good outlet especially during the for moms to come together to discuss things and hang out and people seem pretty social and they definitely are so i think social media great option zoom calls. Have you done these. Doom calls with your friends at all or yeah a lot of them. Do they work or are they. They do. I feel like the zoom fatigue is real by like one of my little friend circles with nikki like we've done it's us and to others and we've done like a handful since march just to lake touch based and like check in and sometimes i don't know we'll get on like eight thirty or nine and there have been sometimes. We're until like midnight like talking to each other. Yeah oh you're introverts kind of wonderful i am. I thought i was an introvert. And maybe i'm just not. I don't i don't think you are. I think he hang out with lindy. And i'm more and learn that you're definitely not an introvert introverted. Extrovert yeah that thing. Yeah can be extroverted. When i need to be laid content and stuff i'll be extroverted i mean sitting here i'm somewhat extroverted to the world but like no me sitting on a zoom call is probably come up with anybody in life that i would sit on zoom call with eight thirty at night until midnight so i'm impressed. I'm impressed by the friendships and the maintenance and you come through for people like you show up. I if you need a meal sarah would be like the first person that will show up like. She don't even need to ask her like you. Don't even need like one of those meal train things like sarah. Just here's you have a hard day and like just shows up. It's amazing it makes david so mad. Does it really for awhile. It did like why bringing all these people food and i was like dude. Shut up everybody brings us meals when we have a baby or whatever like put into the universe what you want to get out of it. You're good friends. It's awesome and i love it and it's to be celebrated and you know i think we we all need to be more like you and you know i think like you said you. You get what you give out in the universe and I dunno it's cool. So i think we all need to be just a little more extroverted like you said reach out. I know you're thinking. Have somebody reach out. And that's kinda how friendship start. And that's how they build and You know we all just did that. Then we would all have people at the end of the day long crazy rainy winter days. Thank you so much for being here. I'll come having me. Thanks for being a my life of being in. Everybody else's is to fame.
How to Create Money Flow For Your Business Now
"So, you can choose to say I'm discouraged and it means bopha button all these negative things you're spending. Or. You can say, well, I'm here because. I don't have breakthrough and receive a really incredible gift. From. My Higher? Self. From my soul. From God. From the divine from the sacred is with unleash. In my life inside of me the most. Sacred, deepest wisdom inside of me, and that is why. That is why I'm going through the experience of feeling discouraged right now. Ungrateful. Some. Great. So the question is how can retract the wealth new you deserve. Aby No this on a soul level. Intuitively. And, you WanNa create a massive impact in the world. How do you do this and serve your clients to the highest level? How do you break through and overcome your current situation in start manifesting the well that you know you deserve. Pillow. My name is Karina Stewart. I'm so wealth coach seven-figure entrepreneur running my spirit's conscious business, and I have dedicated my life to pack debating wealth and purpose. For spiritually conscious entrepreneurs. And on the activate your wealth show, I'll be your guide to show you exactly how to activate your well. Step into your purpose in a powerful way and make a profound difference in the world while doing it. Thanks for joining me. Morning you guys. Wow. So. Glad you're here and I'm really excited because there is so much fluid energy today. You know it's available for you. So you're not feeling we WANNA get you in. So, today's talk about how to create money low. Now, right now, I would like to have this right now. Of course you do. All right. So here's some things I want to by the end of this year. GonNa. Know How to do which is first of all had a shift yourself into the wealth frequency that you're wanting because it's really all about shifting. The first step is always going to be about shifting. So many times entrepreneurs and you know really anyone we'll say like I want to, you know thinking about, maybe I'll go do this list build or maybe I'll. You know do a five day challenge or create a facebook group or you know tactic strategies? All of these things aren't the hair just wanted to flow to. Okay. But it's not about a strategy, a tactic of business tool. That will come later, but the first step is shift shift shift shift. Right now. Think about the amount of money flow. You would like to be experiencing in your business in your life right now and. The fact that is not here means you haven't shifted yet to receive it. So I want you to take that in. Just I'm enrolling you in knowing that. This is the step that you need right now, which is shift. I. So you get to get yourself into the shift that's required. Breeder receive whatever the money flow than it is you're wanting. Now, the first thing you want to do is you wanNA raise your vibration. As. You WanNa get clear right now. Very likely. There's some sort of limited belief that's operating within you. Eliminate believe this operating within you around that goal that intention you have. They. So maybe it's you know if you want to create ten thousand dollars. By Friday. and. There is a story that you're making up about that. That is putting you in a believe, which is vibrational. Consciousness, right. Feeling, right. But it's a vibe ration-? There's a chart that I share typically rigid shows you the different levels of racial. Let's just talk about it. Let's say discouraged. Maybe you build discourage tired overwhelmed, right? All of these feelings carry a charge to it. In an order for you to manifest the money flow that you're winning right now, you WANNA shift. Feeling, state by Brations, what you're doing into new vibration into feeling. That in itself. Right. Believe me when I say this that in itself is the most powerful thing that you can do right now in this moment. To activate money flow. So now, you want to recognize what is the state of being the feeling that you want to get into. One of the things that I teach is money is gratitude. Money gratitude. And so getting yourself into the feeling of gratitude, the frequency of gratitude is going to. By far, the most powerful emotion you can be shifting into your right now is actually what I call it the top of the pyramid. In wealth consciousness for you to shift into gratitude. So you mean. While I'm really grateful. I. Feel discouraged right now. I'm really grateful that I haven't created the goal because that means I'm figuring it out. That means I'm opening the doorways to greater wisdom integrator knowing this is good news. So, there's a reframe right you wanNA create a new. Story, a new thread what people call a through line new through line about why you're experiencing what you're experiencing. There's at least two perspectives that you can look at it from a look at it from the perspective of. So you can choose to say, Oh, I'm scurry and it means both of about all these negative things in your spending. Or, you can say, well, I'm here because. Through and receive a really incredible gift. From My Higher Self. From my soul. From God. From the divine from the sacred would unleash. In my life inside of me the most. Sacred deepest wisdom inside of me, and that is why. That is why I'm going through the experience of feeling discouraged. Now, I'm grateful. I'm grateful. or it's a one of the things you can do is you know if it works for you to just start reading out while you're grateful to be where you are grateful about the opportunities that you need to step into. So. Writing out can help having a conversation with someone can help. I usually go into my heart's. We do this together right now and I shifted right there. Let's do. Let's go redo the ship. So close your eyes. And just drop into your heart reading in announcer your heart, and we're gonNA come into something that really started to speak to me yesterday, which was being an expanded heart consciousness and grounding into my expanded heart. As you breathe. Now, I want you to experience that there's a lungs inside your heart. Your heart is actually lung and as you breathe in and out your inflating those lungs out. And they come back in, it's agreed how and your ebbing and flowing. But each time you're actually stretching and expanding your heart energy. Until, you're sitting inside a very beautiful unified heart energy. This is the consciousness of love. It's the conscience harder, and this is where you can tap into gratitude. And as you get inside that space I, want you to feel what is like A. Juicy feeling of how you have saw much abundance already, how you're filled up with joy gratitude. It's all in there. If you just let yourself experience and receive it. and. Now when you seek them out the money flow that you WANNA create. Use, whatever example it is for you. Five, thousand, ten, thousand, whatever it is for you. What is the feeling that comes up? What is the emotion that comes forward? What does a story that you make up about APP? And now you get to make a decision, you get to choose a higher. Feeling a higher by bracing allstate. A new story. You're having the experience you're having, and that in itself is amazing. Right? Because it's means you're empowered. To, choose and shift and changer. Reality Right now you get to do nothing outside of you has control. Over your reality nothing. Just. The gratitude, and then you get to choose shift. How empowering is that I mean that just lifted me right up I. Choose I do. Gratitude less. Abundant. Now. Just like milk and Matt, swimming that, Nourish yourself in it breathing in and out I have this vision of milk. Today honey now milk. So it's like milk and honey, which is the Montana. The Mina. It's inside the hurry the honey in the heart, and that is your abundance. That is your soul dripping. Abundance into your being into your life into your business, opening the floodgates of flow. Just let that happen. As you breathe in and out nourishing feeling of gratitude. You're not focused on the goal. We're just focused on this. Feeling this shifter having just let yourself ride that. As you're floating on waves surfing the waves, maybe you're going down a gentle rafter along a river. Maybe that's your style whatever it is. Feel yourself in flow. Soaking in the Sun. Allowing yourself to receive. Now you're in a state of receiving and being receptive do. To the feeling. Ultimately. Transforms into the knowing. The knowing that it is already done the knowing of already having it. Then when you? Open your eyes. And here's what happens. Next after you've shifted, right. You go on with your day to go on with maybe you had things already on your agenda for the day and do those things. Now you. Open and receptive to these intuitive nudges new solutions that you didn't see before because they will drop it. They'll come in, maybe it'll just show up a new connection and opportunity someone books a call you and you get to make the offering feelings day that they wanna be around, you feel it to be with you. They know that that is what you are who they need in their life to get them to where they want to go. So following the flow now is the key and is the importance of the next step, but don't try too hard. Don't get into that space because then you'll get outta flow. All, right. Just be. We're in the being a beautiful place to be. Are you guys? Let me know how this goes for you. Let me know shift. You experienced what was the shift that happened for you. When we did that meditation, what was for you the experience of getting into money flow now? And what for you is the activation I'd love to know that what is the emotion that's coming through? That's shifting you out of where you were. Are you guys little? Rock it out? Let's crush this week. Let's go. You know close out. Strong. By experiencing the jury, a shifting, shifting shifting so that you can activate the wealth and then manifest into your life and it's your. You, guys. I'll see you on the next episode. Hey. Thank you again for spending your valuable time with me today. The next best step for you to take after listening to this episode is to get around other like minded individuals in a close knit community by joining I five day challenge, activate your wealth. You'll find it by heading over to my facebook group. Just go onto facebook and search for the new code under grew. Wants. You join the group. Say Hello and search inside the group for the activate your wealth type day challenge. I'll see you on the next episode of the activate your wealth show.
LIRS Extends Deadline for Taxpayers To File Annual Returns
"You're listening to the news this time when Africa Business Radio the League allstate Revenue Service has extended the deadline for filing of annual tax returns to June. Thirty Twenty Twenty this. According to agencies and continuous efforts to provide the much needed relief to taxpayers and mitigate the economic impacts of Kobe nineteen pandemic according to a statement signed on Tuesday by L. I. R. S. Head of corporate communications monsoon rats a Massa it said Anwar returns individuals both employees and self-employed persons. That way. Nisha lead you may the first twenty twenty cannot be fouled anytime on thirtieth of June Twenty Twenty and irs therefore urge taxpayers to take advantage of the new extension to file very tense taxpayers also advised to access the e X. Platforms for all tax administration matters including filing of annual returns generation of assessment and payments shuttle and payments of the liabilities for the comforts of their homes and offices and that was the news at this time and Africa Business Radio. You can't continue to this in life online at stopping. Ww ADULTS AFRICA BUSINESS RADIO DOT COM or via mobile APP. Thank you for listening.
Heather and Lindsay were "over served" on Halloween!! (by themselves...) Hear all about it on this HDW BONUS episode!!
"Thank you for listening to this podcast one production available on Apple podcasts and podcast this is heather dubrow world we've so much talk about about Halloween we just decided we had to sit down and talk plus strangely I think to message you that just because I would think that would be like overwhelming right we'll play with that I was actually just pondering it and then you called me we have to do a show a hot dog I'm Kinda mad that I didn't put on the hot dog I have it right here you can put it on I could take a picture Lynne's warning me day after Halloween Week I've heard for years that it is ooh awesome and I was like this is going to be awesome and then by like eleven packed it's perfect we went we went like nine to one oh my gosh that's I my foot down recently with the kids stuff and just said and I've talked about this but I an actual thanksgiving that's cool yeah well look would no one's around and you know get hurt Disney land yeah I love it I don't half of us don't eat Turkey by the way the our pickle pickle may might have love that we're not we went one year together maybe yeah we didn't I think we did I don't know on the circus circus and you're like all right now you gotta be over twenty one if you want to have any fun in Vegas check guess we never have a costume to the last minute that is true but it's not like us in life like we and then leave ourselves till the end I we really didn't feel Halloween and you know what cocoa said didn't really feel like it yeah so let me tell you what happened with my family he did nothing he's just stayed home nothing I just saw him he's like I did nothing I was over at next but that but would they wanna come who knows win grabbed a bite and then keep up that was it that's Katharina greeting and they went there and there were so excited but they came to my house and I was here with them and they gene they didn't want to Cook you decorate they were not interested they all took pillowcases but they weren't odd so they went to boy island they got like a snack they walked around defied so we couldn't find Terry's he's always the shark right and we couldn't find city loves because they okay well you're gonNA wear it once a year but you love those Polo shirts so just let's just now that I think about it was to take one of his old leather jackets and ah I couldn't remember I know it was a mildly irritated because that afternoon I had said to Terry on five and I said but if you need to work out and if you're working late you can meet me there I was so I said Oh because for write a book about relationships because we started getting irritated with each other can't a little snarky and Mike Nancy were on the show because they've been married almost forty is it but anyway so yeah I think I was getting irritated with him he was getting a little irritated I did let it all go but said him on the phone yesterday on Halloween I said I'd love from you I need like a lot of love from you right now and he's like okay you got it I promise all right where are you telling me at that point he's telling you it's not really a question he's telling me and then are you kidding me so he's doing all these things and finally he came home and he told me but I just told you I need love and if he had said he can't be home till five thirty that would have been fine but tonight after a few drinks which I'm not supposed to do and this is exactly one of the things love and then you relate and then you tell me you're on the phone with your producer for two hours you didn't you said I use that I need love I wasn't really specific about it he said are coming home at this time by the way text me running late yo there yeah I'll meet you that's fine whatever whatever you WanNa do fine just tell me so that I'm not waiting on you exactly and he was like Yep I totally get it that's fine whatever so we got over it but anyway let's talk about the fun stuff a busy like crazy couple of weeks we've talked about it people just ideas not thinking right after Halloween like when you've seen a bunch of costumes we need to pick it now have something and I go watch because via tether what's that she's a you didn't see awesome like no I love the concept of it so anyways I know what the movie's about and so I'm like Oh that's a cool costume you and I were trying to be lifeguards or something and then our costume went away actually cool and you know what I was such Zombie I was so tired and so over and I love the idea of the gold scissors cutting the tethers the whole thing was just the The whole thing and I took a picture and I thought it was funny that tether rhymes with heather right so I spelled she wore black clothes carried a microphone that had three rhinestones on it and manage a pump gas pump over and you can't go wrong with an inflatable pumpkin it's just so funny to me okay anyway so we got ourselves together and we came over to your house and I have to say it just it half way what I would want to just because you saw construction guys are leaving as things fattened it was good and by the way if you're following Lindsay's account a better construction the house looks stunning it makes like such a big Ima had it all yeah it makes a big impact it's beautiful I I mean I'll send you the most random things or this you know and you'll always help because it's and then you think you really don't like that helps you go to be whatever you just don't know or is like finally like light at the end of the tunnel like certain rooms are finishing and the girls were sleeping and by like I'd be Craig as patients but by like Ted for like the third like I have the last thing they here with big peak latte so someone one of the listeners go you know coastal impress the right now are sleeping unlike these air mattresses would not hear of David don't even finish the thought and then I asked her about the dogs have gotten choose I would hope so inch she's not making any they need a guarantee for sure guarantee they needed him blood houses gorgeous decorations are amazing. You've she's Lindsey everything's perfect you the fresh is Malibu farm yeah the fresh watermelon juice for the splash it was I mean perfect Terry was in such a good mood he was dancing having his almond flour great I love it so the almond flour Tortillas name-brand is the chips Siete assault almond flour chips are the ones that you like the like crunchy but salty ones they're just like super clean ingredients make kids like allstate saw Tam with a little bit of butter in the morning Ed very interesting I wonder for me I like everything that's like just why has almonds cleaner than corn well I feel like I feel like I know almonds I think they're higher fat so I'm wondering if there's more fat in that Tortilla Versus Tapia versus and Almond Flour Tortilla right is there is this is dumb question I am I worried about telling people things that I versus flower if you're at arrest or on right because you're ordering in a Mexican restaurant ours our tastes corn tortillas could look up a organic corn Tortilla now meal than bef- then like as well that's not what happened what happened was I back it must have been fifteen hundred galleries bags four hundred co host word Oreo cookies and walnuts top it was delicious it was like the best meal ever I never I didn't think to myself I wish I could eat that or I'm going to save that to the end left that want to eat that and you know what I mean Yeah interesting food for anyway your kids were so cute so Lindsay's three kids were all dressed as with like a hand towel one on each bomb and walking with her bum out don't fight it that he's like let's lose the walkers and I I gotTa tell you I put him in the wagon but they loved him the Pumpkin the inflatable Pumpkin had a walker but I guess I mean after two hours of treating he's probably like cool my God he's actually went right yeah you were getting him to say you're telling the story yes oh so heather was like not so heather was saying to Parker we gotta get more out of you right now than I wou I mean obviously he and he did it in two syllables just like you did and he was so proud it was so cute he's goes then it goes it's funny because after I posted a little thing about you know I've been taking this guy to speech therapy and turns no but people need to hear that because they don't they don't and it shouldn't be something that that you oh good he's my only kid that will do it great doesn't bother him yet will your kids do it no already just the drop or so I don't think he would drink says if he's willing to do I ric clever so let's walks out and she's gorgeous and has like the bars walks out with the same black outfit with a blonde wig at a sign that says no and then I just went to the mall and just picked out to rails Flan also mike he'll be fine with me and my sister didn't make sense we'll also in his defense terry was not wearing a costume not even the shark fin ain't he's like okay picture drive you're like no no no no no But I had brought with me the hot dog costume that cocoa rejected Tim last year the mind the Chanel yes it gives you like a theme like oh sweet she's pulling things out from the top of my closet I didn't even know I had so I I just started with fish and that sound like that's Halloween would wear it but I think I would like what do you think I take myself too seriously not at all you don't I trust over very proud without but but no you are a Oh yeah like for example I remember once on housewives we were in water hot things right and they were like filming and everything and we had just gone Abdelhak bonds we're and we're going on television I dunno it's like not comfortable so I thought and I put on the snorkel with a flippers on my feet and the whole thing and they were all jumping in their I I think that I don't know why I'm mad at myself that I didn't I think that in now but I think if you're not afraid of being goofy you would never do a Halloween costume where we weren't that's okay there's nothing wrong there's no judgment in that by learning about Wean go to Disneyland the day after Halloween ever know where for some reason has been waking up by the way we over served ourselves yes that's just my favorite way running and I and my eyelash glue is still removed eyelashes Al- whatever my makeshift costume was and I was like oh no is this really happening attract and get my our funny everybody up one time did you your kids honestly to be able to do what you do if I could get up in the morning that time you get four I would love that but my reality is I would be exhausted the couple of saying I feel great getting on the plane but I know I'm going to be on the plane so I'm GonNa have downtime also don't require that much sleep well because I forced myself not to I mean I hate I mean absolutely blinken will you reintroduce heating and use one in whatever if you found the it's cold in the room and hot under the blankie it so nice but yeah if you can work out before winding down by nine nine thirty ten ten o'clock asleep if you really I can't I just don't I like that like I could get sometimes you think Terry feels like daily exercise that's why they call it daily extra hey where it's like I mean I'm like I was just jamming on I mean I barely the minimal if I do something it's minimal very very minimal so but so terry would say daily exercise do some do something I I it's not in me and when you're traveling you do it some days some there's great and our kind of working out kind of thing but you're e move so much that you feel fine it's not like you're sitting at a desk I feel no there were a couple of times I wanted to I felt like running and to go out and like just kind of take run but for me to get into did my own yeah yeah in the gym I just get bored you're listening to Heather dubrow World Halloween was that it we need to like trick or treating while we did the desserts yeah I felt like it was fun I feel like the guys were really good sports probably as we were all we that that might be it may been two convenient for the refills yes really how could we not had an issue at one we parent in similar ways and you know there's a lot of parents out there because I know when my child comes up to me and says this is what happened at school today automatically assume that my kid is right and I don't automatically assume that my kid is wrong ah hi cocoa high we're recording we're going to be say hi to everyone at home you have fun on Halloween yeah anything you want tonight I am not a believer by the way in keeping the candy for a month find some love you do the same thing it's you wanna put on the earliest costume it I'm GonNa you will not see any way what I let me great that we can both just before that we didn't need your is mine being jerky what I see on one side and listen it's hard to because Stella and Presley and cocoa are tired whatever but it was so funny instead of being like we have a problem to each route we're GonNa go here here here and we're GonNa go home then Stella wanted to do somewhere else everyone okay great the problem so problem solved yeah and I feel like if parents aren't territorial and learning experience it could just be it's Halloween we're all out let's move day this is not the time to talk it out and work it out because they probably don't even know how they feel acute piles on the floor and tasted cocoa didn't taste very many but they were all it on the floor yes they separate their candy and then again on it and I go well let's bring it for the troops okay that's so much easier in always feel like I know I've said this a read always on a weekend is so much easier my sister's neighborhood by the way is ridiculous it's crazy so so so we do full size candy bars so they're on this table right when we get there like literally were there two minutes the project to put together a kid you're so good though you ran over because okay pretend this is no it's fine meanwhile so tonight is I'm taking the kids to dinner did ahead I told her the story fabulous so we're all regrouping friends or no friends no no I've got a mad at me because she didn't tell you this dirty to talk about this I don't know but she got because fair did it on a go well why can't you see it Saturday your free Saturday family is telling you you have to have dinner with US writing and I sent to everyone by the way no cell phones yes they will be good well we'll just see about that won't we oh it's so crazy and I hate saying great things about him because then it always turns but when the four of them I'm really proud of all them but you know they're teenagers cheers of Piper and it was really cute a little hand and south and I remember those days very very clearly the twins were like what two and a half when I was so many of them remember this so vividly it was such a sweet period of time and it's and then what you think or expect how you feel how they turn out what your reactions ah totally and it's just hard as they get harder and as they get