40 Burst results for "Denver"
The Dan Bongino Show
Scott Presler: Registering Voters Will Make Biden a One-Term President
"Better than the government ever could and so I just started traveling the country and we organized cleanups in Atlanta, Austin, Baltimore, Chicago, Denver, Duquesne, Detroit, Houston, Colosso, Los Angeles, Miami, Milwaukee, Nashville, Portland, Pittsburgh, but more importantly Dan weaving in voter registration into this my work although it was helping to clean up the cities was only a band -aid if we want to make long lasting change it means registering voters and so I started turning my cleanup efforts into voter events registration what better way to decide who our city council members are and school board members and mayors and state representatives and so now what I'm asking as we go into this November and beyond is guys look for ripe opportunities to register voters at your churches at your synagogues address pro shop at a movie theater during sound of freedom at Jason Aldean concerts at gun shows we have so many a myriad of opportunities to register conservatives to vote and then we get them out to vote this november and beyond we
Evening News with Art Sanders
Fresh "Denver" from Evening News with Art Sanders
"14 after the hour. Update on that storm that kept a lot of the East Coast indoors over weekend. the Here's acuweather .com meteorologist Carl Babinski. Ophelia did its dirty work over the weekend, tropical the storm producing wind gusts of nearly 80 miles per hour in the coastal Carolinas. The storm brought beach erosion, rough surf, and some torrential rain that exceeded six inches in parts of the Carolinas and in southeastern Virginia. What's left of Ophelia, a small area of low pressure this morning, is moving across the Mid -Atlantic region and will be heading out to sea today, but still, there will be some rain in places like New York, New Jersey, and southern New England, as well as winds gusting the near 30 miles per hour. It'll be a raw chilly day with highs in these places, mostly in the lower and middle 60s. Elsewhere in the east, it's relatively quiet, but a nearly stationary front draped over south Florida will generate a few additional heavy thunderstorms. It'll be partly sunny across much of the Carolinas and Georgia, with highs mostly in the mid 80s. Recently, some heavy gusty thunderstorms have occurred in northern and central Texas. Even Sunday evening, were there some severe thunderstorm watches out for the greater Dallas -Fort Worth metroplex. Today, central parts of the Lone Star State still will see a few strong thunderstorms. Highs will range from the 70s in northern parts of the Lone Star State to the 90s in the south. Across the Midwest, an upper air disturbance will generate a few showers today in Michigan and Illinois. Most of the during the next 24 will hours will bring rain to western parts of Washington and Oregon today. Also, wind gusts of up to 40 miles per hour along Oregon's coast, temperatures there mostly in the 60s, will be dry across much of California. And that's the weather across America. Today in Denver, sunny and warm, high 84, partly sunny in Cincinnati, high 78. That's the nation's weather. I'm Accuweather .com meteorologist Carl Budinski. It's now 16 past. I'm John Trout. America in the morning continues. Six people were killed in a train crossing in Florida. Correspondent Clayton Neville has details. Authorities in Hillsborough County, Florida, near Tampa, say the train was moving about 55 miles per hour on Saturday in Plant City when the conductor tried to slow down but couldn't stop the train before it hit a Cadillac Escalade with six people, including three children inside this SUV that looks like a
Animal Radio
A highlight from 1242. Turning Your Pet Into A Social Media Influencer. Wise Words From An Expert.
"Celebrating the connection with our pets, this is Animal Radio, featuring your dream team, veterinarian, Dr. Debbie White and groomer, Joey Vellani. And here are your hosts, Hal Abrams and Judy Francis. If you're like Judy, you spend a lot of time online, social media, going through videos. You'll spend like an hour a day maybe just watching. I just get down a rabbit hole, you watch one and then another one pops up, oh, I got to see that. And it's like, oh, look at this one. And they're all animal or pet related. Is that mostly it? Yeah, I won't watch. I don't know if I'm not interested in the other ones. Yeah, sure. Sure. Yeah. So in your life, who would you say is the biggest social media influencer for you? What animal do you maybe even follow? You know what? I'm not a follower. In fact, no. And I like watching both cat and dog videos. So I don't really hone in on a certain animal and like follow that particular animal. I'm kind of like, I watch them all. Have you ever seen, I'm going to hold up a picture here. Have you ever seen this animal here? This is, this is Loki. I hadn't seen Loki. Again, I don't follow any certain animals if I happen to come across a video, but I don't, I don't, I, yeah. He's beautiful. Loki is, what kind of dog is Loki? He's like some kind of a Malamute wolf hybrid. Like a wolf. I'm not quite sure. He's a big dog. This particular picture that I'm holding up to the microphone is Loki and his guardian, Kelly. They're sitting in a hammock. You may have seen this picture. It's a picture that he just casually posted on his Instagram page. And then, uh, the people over at Bored Panda saw it, wanted to do an interview with him. Buzzfeed picked it up. Eventually he realized that his dog was becoming extremely popular online. And he decided after about a year after this picture went out to quit his job and focus on promoting his animal online to become a social media sensation. We're going to find out how he's doing on that and whether or not we should quit our jobs to become ladybugs. Yeah. Well, she has a Facebook page. It's not very popular. Maybe she needs to post more. Well, I just, you know, everybody go to her Facebook page and like her right now. So we're going to talk to this Kelly Lund coming up here. He's the guardian of Loki and we're going to find out what his secret is to becoming a viral sensation. Also on the show today. And in this hour, we're going to talk to Fiona Gilbert. Fiona, do you need to get that? I'm expecting a call from my pharmacist. Can we, can you just make sure? Cause I'm, I have to pick something up and I'm just waiting for them to call and say it's ready. So can you just check that? Thank you. Coming up this hour, Fiona Gilbert will be joining us. She has MS unfortunately, and she has a service dog to help her with her MS. What kind of dog is that there? It's a pit bull. It is a, it is a pit bull. Surprise, surprise. Well now how can that be? I mean a pit bull service dog? Is there such a thing as a pit bull service dog? Why not? Well, I guess not. Why not? I do know that Delta or American Airlines just banned service animals that happened to be pit bulls. I do know that in Denver it is illegal to have a pit bull. That's just wrong. That is wrong. I bet Fiona has a bone to pick with Delta Airlines. I'm guessing that. Or her dog does. Okay, we're going to find out about her service dog, her pit bull coming up here on Animal Radio. Lori, what are you working on for this hour? You were just a minute ago Hal talking about social media and Loki and everything. Well, I have for you a new list from Forbes. They did, I love this word influencers because I had never really heard of it before. I just thought, you're famous on social media. If you're famous on social media, you're an influencer. So Forbes had this edition where they had the top 10 people influencers, the top 10 chef influencers and on and on with everything. And they did a list on pets. So pets on social media. So I will tell you the most famous pets or influencers on social media. When Forbes is involved, there must be money involved. Of course. Okay. That list on the way. First year calls. Let's go to Wanda. Hi Wanda. Hi. How are you doing? Very good. I have the whole dream team here to answer your questions. What's going on with your pets? Okay. I have Dachshund miniature pincher mix. She's having skin problems. I switched vets like four times and they always said that it's yeast, airborne yeast. And they give her shots and she goes okay for two weeks. But then they give her prednisone. That makes her eat a lot. She still eating and she still have the yeast and she still have the smell. Okay. Yeah. I don't know what to do. So has she had any money in the beds? Okay. And have we used any medicine that specifically geared towards the yeast, either by a pill form or by a shampoo or a topical form? Well, they give me Mariset. Okay. And I have to bathe her every other day, but sometimes I can tell you the truth. I don't have time and it's cold and she gets very cold. I'll give her a bath every other day. Okay. And is that it or are they using any pills for that other than the prednisone? No. They give me Apoquel. Apoquel, she still eating and then the doctor say I will then give her Benadryl. Okay. So I'm going to kind of make some interpretations of what you've said and what I think may be the direction that your veterinarian is going here. So if your pet has yeast on the skin, the important thing to know about that is that yeast is generally not the primary problem. It's a secondary problem. So there's usually something else that's making that skin barrier unhealthy where the yeast can really grow and proliferate. So if they're using things like prednisone and Apoquel, it sounds like they're suspicious that she has an underlying allergy. So those medicines are geared towards the allergy. But the sad thing is if we use that and don't address infection and treat it with the medications for those conditions, we're really not going to get anywhere. So we're going to think that, you know, the medicine isn't working for allergies when we're really just not treating a bacterial infection or say a yeast infection that could be present. So what my consideration, and I'd ask you to talk to your veterinarian if this seems fair and like a direction that they would agree with, is that if we have yeast in the skin and it's chronic, especially if it creates some of the different symptoms I see with yeast, and I should mention those, yeast in the skin will often cause a really stinky foot odor. It smells like old man foot. I have to wash my bed and everything every day. Yeah. So it's a real strong smell. The dogs will often have kind of a greasy feel to them in those areas. And in some cases when it's present for chronic long -term periods of time, we'll actually get a thickening of the skin and it'll become kind of darkly pigmented and what almost I describe as elephantinized. So it kind of becomes like elephant skin. She had that in her tail, but then I gave her and gave and went away. Okay. So yeah, so that definitely, if those kinds of things are going on, then yeast is very suspicious. We usually confirm that by taking a sample from the skin and looking and you know, yeast show up pretty easy on an impression smear. So the thing I would ask you to talk to your veterinarian about is, can we use something systemic for her, for this yeast? And that might mean a couple different possible medicines, but they basically all fall under the category of an antifungal medicine, such as ketoconazole or itraconazole, or even one called terbenafene. Any of those are used with yeast infections, whether it be in the ears or say in the skin. So that would be something, and it does take a long period of time. We might get some improvement after maybe a week or two, but many times this is something that we have to treat for many weeks to months. So that would be something where, you know, I would definitely talk to them about that. The other thing is, you know, definitely the maliceb that you're using is certainly an appropriate one if we're suspicious of yeast, but there can be even some other things that we can use topically as well, as far as different types of mousses or sprays that we can use that contain either say chlorhexidine, which is a type of an antiseptic, or miconazole, which is an anti -yeast topical. So those can be things that we can add into the regimen. But I think the good thing in your situation is there is some things that I can suggest for you to try, and the big thing is sticking with it, because it really does take, I had just like a bald, kind of darkly skinned, very little hair. It only had hair on the tip of its tail and around its head, and it took four months of yeast therapy that we treated, and it finally got most of its hair back. It never did get all of it back, because it was so scarred, but it can really be very rewarding. You just kind of have to trek through it. So yeah, with her, she's black. When people see her and they tell me, why are you taking it? Because her top hair of her body is black, shiny, so pretty. It's just under the legs, on her stomach, at her four paws, and under the tail. You know, they don't have it, she doesn't have it anyplace else. And I bathe her, I bathe her, she's my baby. Yeah, well, and yeast is horribly itchy. Any human knows that. So it's a miserable thing. So definitely, and even some other kind of anti -itch remedies, you know, that we can use. I am using a lot of the canine atopic dermatitis immunoglobulin called CADI, and that helps a lot just to kind of stop the itch, to give pets relief while we're dealing with all the other things. Yes, I don't want to bite. I know that the steroids, they're going to hurt her a long time. And I say, what I'm giving to her is she's not going to be improving. That's why I hear you every morning. And I say on Sundays, and I say, I'm going to call because maybe I can go to the vet with some knowledge and say, hey, give me the yeast infection medication, take her away from the prednisone. Absolutely. And that makes it harder. The prednisone definitely makes it harder for her to fight these infections. So if we use it sparingly, just to kind of help relieve it, and then yeah, get her off that. I agree totally. So she needs to go to the vet and ask for something systematic. Is that right? Systemic. Systemic. A systemic and a yeast medicine. Yes, a yeast medicine. I will do that. Hopefully we can get her some good help and I wish you guys the best. Let us know how things turn out and hopefully we'll get her feeling and looking better and smelling better too. Thanks Wanda. Well, this portion of Animal Radio is underwritten by Fear Free Happy Homes. Don't forget you can get your fix of Animal Radio anytime you want with the Animal Radio app for iPhone and Android. Download it now. It's made possible by Fear Free Happy Homes. Helping your pets live their happiest, healthiest, fullest lives at home, at the vet, and everywhere in between. Visit them at fearfreehappyhomes .com. And thanks, Fear Free, for underwriting Animal Radio.
WTOP 24 Hour News
Fresh update on "denver" discussed on WTOP 24 Hour News
"G slivka says over the past four years maryland ropta has trained 1300 health first aiders there's a world of people out there that understand and want to help you get better the gains brian w t l p news and as part of our continuing coverage of people making a difference in our community to find out more go to w t o p dot com sports at twenty five and fifty five powered by red river technology decisions aren't black and white think red Dave Preston that several hours of my life that i want back you know usually when one doesn't get a chance to sing the comic commander song everyone's happy but now and it's because they don't score a touchdown commanders get blasted by buffalo thirty seven to three quarterback sam howell throwing four interceptions gotta be better you know there's a lot of things you know obviously it starts with me and and i gotta take better care of the football do a better job just you know lead my offense obviously a lot a lot of then things go right today and it and it starts with me wtops george wallace will join john and john this morning at nine fifteen to go over the gory details so uh... brace yourselves burgundy a gold battle unbeaten philadelphia in week play four they in monday night football against tampa bay tonight ravens fall in overtime to indianapolis twenty two to nineteen dallas upset by arizona twenty eight to sixteen miami broke the universe in a seventy to twenty win over denver
Simply Bitcoin
A highlight from BREAKING: Bitcoin Ban Gathers Momentum in the US | EP 827
"It's all going to zero against Bitcoin, it's going up for everyone, you're against Bitcoin, you're against freedom. Yo, welcome to Simply Bitcoin Live, we're your number one source for the peaceful Bitcoin revolution, core breaking news, culture, and matic warfare. We will be your guide through the separation of money and state. We got a lot of comments starting off basically saying click bait title ugh, someone else said FUD, no, not at all, not at all, especially if you guys, Denver Hoddle said FUD, no, not at all. If you guys have been tuned into this channel, we've been like surgically covering all the moves by the Biden administration, the moves by the anti -Bitcoin senator, Senator Elizabeth Warren, and yet they don't like Bitcoin, they don't want it to succeed. Bitcoin succeeding would mean that they would lose their privilege of being able to create money for free that everyone else has to work for. I think the worst thing that Bitcoiners could do is think that Bitcoin's going to win by default, right? This is an adoption race, this is about getting the people around you to understand and to wake up to the fact that it's not left versus right. It is green, the party of green versus the party of orange, the party of state currency, the party of central bank digital currencies, the party of inflation, the party of nihilism, the party of slavery versus the party of Bitcoin versus the party of orange versus the party of freedom, Bitcoin, prosperity, opportunity, optimism. So, yeah, it's not BS at all. And today we're going to cover the fact that Senator Elizabeth Warren's bill, so -called the Digital Assets Anti -Money Laundering Act, got nine new sponsors. This is a bipartisan bill. This is a Republican and Democrat bill that's being pushed in Congress, in the Senate specifically, that Pierre Richard would literally, literally said this is not simply Bitcoin or Nico's wording. He literally tweeted, if this bill passed, if this bill would pass, this bill would ban Bitcoin mining in the United States. And I would even make the case that the bill would basically ban Bitcoin in the United States. And that's exactly what the bill was designed to do. Make no mistake. So, yeah, you can like, you know, push it aside and say this is FUD, you know, this is you know, this is this is bullshit. This is a clickbait title. This is the separation of money and state. Take it seriously. There's a lot of vested interest that it's not convenient for them if Bitcoin wins. They want you under a central bank digital currency. They want to control what you think and what you say and what you do. And one of the most effective mechanisms to do that is by controlling money. If you control the money, you control the incentive structure. That's exactly what the whole social credit system is all about. Right in China. So, you know, if you talk against the state, you know, they take a percentage of your money right out of your paycheck. They don't allow you to travel. They don't allow you to sign your kids up to certain schools. That is a forcing function. And that is no longer theoretical. This has happened in the West already. I feel like people have just forgotten about the Canadian truckers protest. They literally froze people's bank accounts because they were protesting the government because of the lockdowns.
WTOP 24 Hour News
Fresh update on "denver" discussed on WTOP 24 Hour News
"At home by the Buffalo Bills 37 to 3. Tough sledding for quarterback Sam Howe. First loss as a starter in the NFL. Second year quarterback throws four interceptions. He was sacked nine times. It wasn't pretty but it was a learning experience according to Sam. Yeah it was tough especially when you get in a situation where you're down. You know they have the advantage as far as the pass rush goes I but mean I just got to do I got to do a better job and I think we can do we can do some things better and try to limit the sacks. But yeah it's definitely some way we need to clean up. Commanders now two and one. Visit Philadelphia next week. The Eagles in action on Monday night taking Tampa on Bay. Dallas was upset by Arizona 28 -16. Miami puts up 70 points. Beats Denver by 50. 70 -20 just the fourth time in NFL history. A team has scored 70. Baltimore loses to the Colts 22 -19 in overtime. It was the last home game of the season for the Nationals. Lose to Atlanta 8 -5. Lane Thomas home where it stole a base joins the 2020 club. Earlier as of part the doubleheader Nats did beat Atlanta 3 -2. Nats finished the season 34 -47 at home with five games left in the regular season. Orioles beat the Guardians 5 -1. Hockey is back preseason. Caps losing a shootout to Buffalo 4 -3. I'm Frank Hanrahan WTLB Sports. Coming up the writers strike comes to an end 4 -26. As veterans we're no strangers to helping others. That's what we were taught. Service before self. But we do have one question for the veterans listening. When was the last time you reached out for help? If you or someone you know needs resources whether it's for stress, finances, employment, or mental health, don't wait. Reach out. Find more information at va .gov slash reach. That's va .gov slash reach. Brought to you
Evangelism on SermonAudio
A highlight from Saved by Grace - Ed Nelson Biography
"Well, greetings everyone. I'm here today with Emily Nelson, a 2016 BJU graduate, somebody I very much want you to meet. She has some exciting things to tell you and I pray that you will hang on with us for just a little while, maybe eight or ten minutes, and be blessed by what Emily has to say. She has written a biography of her grandfather, Dr. Ed Nelson, a graduate of BJU. I've known Dr. Nelson since I was really young. He's a few years older than I am, so you can imagine how ancient he really is, but you'd never know it. He's as energetic as he was when I first knew him. I've never met a man so restless for the cause of Christ and the gospel than Dr. Ed Nelson. Emily, thank you for taking your time to be with us. Thank you for having me. I want a quick question to get into this. Why should anybody want to read about your grandfather, Ed Nelson? Well, I'm biased for sure because it's my grandfather, but he really has had a remarkable life, and it's a life full of the miraculous, a life full of just believing God and expecting him to work. And I know as I helped him write this book, it was a real challenge to my own faith just to believe God at his word and to expect him to work. My grandfather, who loved your grandfather very much, as did my dad and as do I, my grandfather said, every great man at some point comes under the dominating influence of some great truth. What would you say is that dominant truth that gripped your grandfather when he was young and that kind of drove him through his life of ministry? I'd say it was probably this. I am a sinner, and I have a great savior, and I want to do everything I possibly can to further his kingdom because of what he's done for me. That's very well put, and I think it absolutely describes what propelled him through life. He was always in motion. I've never met him when he was not just like a meteor crossing the sky. His energy was remarkable. I've been with him on some long mission trips, and no moss ever grew under his feet. The title of the book is A Sinner Saved by Grace, so that was a good description. Tell me about the time, the point in life, when he became a grace -saved sinner. What was he doing at the time? What influence did God bring into his life that got his attention and brought him to Christ? Well, he grew up on a farm in Windsor, Colorado, which is a little bit north of Denver. He had aspirations of being a great farmer just like his dad was. When he was 17 years old, he was in a farming accident. They were a very moral family, and his dad would take them to church every Sunday, but it was not a Bible preaching church. When he was in that accident, the doctors said he wouldn't make it through the night. He prayed and said, God, if there even is a God, I want you to hear my prayer, and I want you to save my life. If you do, if I live, then I'll get a Bible and I'll read it. Well, he made it. Spoiler alert. He made it, but he did get a Bible, but he didn't understand it until about four years later, your grandfather, actually, Dr. Bob Sr., was preaching at the First Baptist Church in Fort Collins, and his mailman came by and invited him to the revival meetings. He didn't really want to go, but out of respect for the mailman and his testimony, he was like, fine, I'll go. So he went that first night, and your grandfather preached and said that he was a sinner and that he deserved to die. It made him so angry that he found that he would never go back. Well, the next day on the tractor out on the field, he was like, I wonder what he's going to preach about that would make me mad again. And so he went back, and that happened four nights. And on the fourth night, he was like, you know what? What this man is saying is true, and it's not, I haven't been angry at him. I've been angry at God because I know that this is truth. And so he surrendered his life, and he came to know the Lord that evening. And I asked him when I was writing the book with him, I said, Grandpa, what were you saved from? And he was like, I was saved from my own goodness, because he was such a good moral person. He was saved from his own goodness, and he said that he knew deep down inside that there were things that he would think or say or look at that were not godly. And nobody else knew it, but that's what he was saved from. From that point in time, his life changed forever. The self -righteous sinner may be the hardest sinner to open his heart to the Lord.
The Bill Simmons Podcast
Fresh update on "denver" discussed on The Bill Simmons Podcast
"I was researching them, because when we talk about the torture teams, we always talk about like the Lions and the Vikings and the Browns and the Bills. In the last 25 years, the Bears have won three playoff games. Like how long can you ride the 85 Bears thing? There's people who are 40 who don't remember the 85 Super Bowl at this point. Their last seven coaches were Eber Flus, Matt Nagy, John Fox, Mark Trestman, Lovey Smith, who's the best of the bunch by far, Dick Jaron, and Dave Wanstad. These are their last seven coaches. Like doesn't that make you feel better about the Cowboys? Yeah, it does. The best quarterback was Jay Cutler for a year. Their biggest rival is the Packers, and they never ever beat them, right? That's the other thing. And got mocked by the Packers quarterback year after year. And the Justin Fields is just, he's not the answer. I don't know what, they were gonna get smoked anyway. But when you lose 41 to 10, you expect the losing quarterback to have 400 yards passing. He had 99 yards passing. He had 11 completions. No one else played quarterback. Yeah, he can't even do garbage time yards. Yeah, right. Yeah, I don't understand what goes on there. Yeah, and they're the cursed franchise. I thought it was the Colts. I was like, oh, they have the new A-hole owner. They had a lot of off-season stuff, right? No, it's the Bears. Now it's their coach. Now it's their 0-3. Didn't they have $100,000 worth of equipment stolen this week? Like every week there's a crazy story with them. Well, and then they got Michael Parson stolen. That's right, that's right. Yeah, they could have taken, when did they take Fields, 11? They trade up for him? I can't remember. But that was in the Michael Parson. And Patrick Holmes will always remind them that they passed on him, right? So, of course, this was gonna be a 31-point blowout that we should have just jumped on. So, silver linings for the Bears. I can't help you. You wanna do cross-offs right now? Because I have Chicago and Denver as our first two absolute cross-offs. Do we wanna wait? Because they play each other. Nah, they're both fun. They're two cross-offs. Denver lost by, Denver gave off 70 points today. And then I was watching the overtime show with Terry Bradshaw, the Fox show. And he's like, they'd been probably on too long. I don't think Terry should be on live TV for more than maybe 20 minutes at a time. But it was like the 30-minute mark. And he starts going this whole thing about, this is not the quarterback, Sean Payton. Sean Payton doesn't have his quarterback yet. It's like, how is this Russell Wilson's fault? They gave up 70 points. They gave up 10 touchdowns. They gave up 11 touchdowns. Did he mean cornerback? Did he mean corner? Yeah, that's bad. Yeah, and I think there's a collective exhale when Terry gets through the halftime highlights. But I love him, God bless him. But yeah, I don't know what to do about that. All right, I'll cross both of those off. Yeah, I mean, Denver's my best bet. It has to be the worst in the league, not to mention the Wilson part. Hey, maybe we've seen this happen sometimes with the coaches that come back and they don't have it anymore. Remember when Joe Gibbs came back that time? It's like, oh, Joe Gibbs is back. It's like, eh, okay. Like you had Landry, he just didn't have his fastball anymore for what, four years there? It would be like right now, it would be like if Brady retired and the Patriots went 500 for the next four years. You're getting there, yeah. Oh, shit, that was a bad example.
Evangelism on SermonAudio
A highlight from Session 20 Evangelism
"Let's see, I was into the preparation for this class really heavy the last three weeks. On Friday, a week ago last Friday, I said, boy now this day's got to count. And I got up at 4 .30 and had devotions and was in my study at 5 .30 and I was in my study at home and the doorbell rang and there stood a weeping lady and her husband had beaten her up during the night and I was shocked. I didn't dream there was anything wrong in that home. I mean she was beaten up and so my Friday was gone and I said this is the day I got to make count and that's the way it is in the ministry and I'm not telling you guys anything. You know what I'm talking about and so I'm not doing it now, often I have, right now at this time I'm not doing it. I usually get up on Monday morning, in Denver I'd get up on Monday morning at 4 o 'clock and draw up my schedule for the week, what I was going to do every half hour during the week and plan it out. I always found the week was too short to get everything done but when I did that I'd outline then it and I'd wonder how long that outline was going to be. By 9 o 'clock in the morning it was blown out the window.
WTOP 24 Hour News
Fresh update on "denver" discussed on WTOP 24 Hour News
"Monday night taking on Tampa Bay. Dallas was upset by Arizona 28 816. Miami puts up 70 points beats Denver by 50. 70 -20 just the fourth time in NFL history a team has scored 70. Baltimore loses to the Colts 22 19 in overtime. It was the last home game of the season for the Nationals lose to Atlanta 8 -5. Lane Thomas home where it stole a base joins the 2020 club. Earlier as part of the doubleheader Nats did beat Atlanta 3 -2. Nats finished the season 34 and 47 at home with five games left in the regular season. Orioles beat the Guardians 5 -1. hockey is back preseason. Caps losing a shootout to Buffalo 4 -3. Frank Handrahan WTLB The Riders strike in Hollywood has reached a tentative deal. We'll have that as a music world prepares for a year of celebrations in honor of hip -hop's 50th anniversary. Local entertainment lawyer leader Rosario Richardson of Shulman Rogers offers insights about how this truly American music genre and culture has evolved with the digital age in the early days looping where they would would take a portion of the old recording and loop it over and over again and create a musical bed for the long. That practice led to the irrelevance of studios. Studios are studio. you don't need a studio to make commercial quality music anymore you can do it all digitally and now we have AI and we have no idea where AI is going to take particularly with hip hop. I know there's people out there experimenting now a lot of the success of hip hop or the development of hip hop live side by side with this digital revolution
Ultraflex Football
A highlight from 41: 2023 Predictions!
"Welcome to the Ultra Flex Football Podcast where we have fun with our friends while we talk about football and any anything else we wanna talk about. We're here for season two. I don't know if we're officially calling it season two but this is our second season of talking about NFL football. So, we're back. With me as always is Rob Green. What's up? And Ryan Wheeler. Howdy, howdy. Season two episode one is what it's officially gonna be titled and Tony, I told you not to talk so close to the mic, man. You like, blew out my eardrums there at the beginning but I just get excited. I know. You're so excited. You get excited so easily. We were talking about that before we like, actually started recording but anywho, uh so, we do that thing where we have an album and we split up the songs in the album and we try to get the song titles into the show as discreetly as possible. Sometimes not as discreet as we'd like to think we are but we're gonna give you our titles that way you know what to listen for. See how many you can catch. Just a little game within our show. My song titles, the album first of all is called Down to Earth by Jimmy Buffet. Rest in peace, Jimmy Buffet. It's his first album. Down to Earth. The songs that I have to get in are The Christian, LSD, The Missionary, and A Mile High in Denver. Rob, what do you got? Alright, I have the captain and the kid, Captain America, Ain't He a Genius, and Turnabout. Alright, and Sir Anthony. I've got There's Nothing Soft about Hard Times, I Can't Be Your Hero Today, and Truck Stop Salvation. So, we'll see if we can get all of those in. Uh most of the episode today is gonna be football. It's uh we we were doing some things during the off season to help pass time. Uh you know, Ultra Flex After Dark and having some fun with games and things like that but football season is here. Uh we're gonna be doing football talk here in a second where we're gonna pick our division of winners. We're gonna pick our Super Bowl, MVP, and then we're gonna pick week one games and then we'll have one game at the end. So, uh football, football, football. So, let's get it started with football talk. Just that really amps you up, doesn't it? Golly, that was good. It puts me in the football mood. It just, it feels like we're kind of, you know, whimsical, a little bit of uh goofy when we talk. So, I thought that was a good one for football, our football talk. Let's, let's start with, in my opinion, the less competitive conference which would be the NFC. Uh maybe you guys think differently. Um but let's go with NFC West. We'll skim over this if we all agree pretty quickly. Uh I'll go first. This one and then we'll just kinda alternate uh as we jump divisions but uh for me, the NFC West is the 49ers winning this division. Um I think they're the best team in the NFC. Any chance we can like we go NFC West that includes the that way for people that don't necessarily have the NFC West on the top of their head you're just gonna see that includes like the 49ers, Seahawks, Cardinals, uh Rams. Yeah, you just you just did it. Yeah, we can do it. Okay. Nailed it. Yeah. So, 49ers, Seahawks, uh Cardinals, Rams. For me, Cardinals, Rams are both gonna be pretty not so great. Comes out of the Seahawks and 49ers and I just think the 49ers are a better roster. Brian? Oh, it's next. Um I'm gonna go with the 49ers. I just think top to bottom, the roster is the best. Rob? Yeah, I agree but I wanna be different. So, give me the Seahawks. We hated on him last year. We picked him to be like what? One and sixteen I think cuz we thought they were terrible. Gino Smith's gonna continue his uh career turnaround, turn about. I don't know if I can use that here. And uh. And he's gonna lead them to a division title. Alright. They have the offensive weapons to do it though. They definitely have the offensive weapons. Maybe Brock Purdy isn't as good as he looked at the end of last year. We'll see. He doesn't have to be. They have Sam Darnold as the backup. I don't think that's why he doesn't have to be good but anyway. Yeah. I think he has enough weapons and Kyle Shanahan around him that will make him. Exactly it. Make him look good. Uh Ryan, I'll let you go first this time. We're talking about the NFC North. So, we got the Lions, the Packers, the Bears, and the Vikings. Who do you have winning that? The NFC North, I have the Packers taking that division. It kinda just feels like a crapshoot division honestly. I mean, I don't really feel good about my pick. I don't feel about picking any, good about picking any of those teams. So, I just want Jordan Love to be good because he's got an awesome name and quite honestly, that's that's how I came up with my answer. So, I was like, got the guy that has love in his name. I'm pretty sure from looking at this division, the odds are the closest bunch of four out of all the the division. Makes sense. So, it kind of is the most wide open division, I think. Who do you have? Yeah, who do you have picking, Rob? You know, our team last year was the Lions. So, I'm gonna I'm gonna bring that over to this year. Let's go with the Lions too. I don't even know the last time they won the division. Nineties probably. Early 90s, mid 90s. If they did then. I just don't know either. I think we'll find out pretty early AKA we're filming this on a Monday before the season starts. So, we'll find out in 3 days whether or not they'll be a pretty good team again which they have enough talent on the offense to put up points. It'll just. Yeah, what are we thinking like 60 points in that first game here with the Lions and Chiefs? It's gonna be a high score game. Probably, yeah. Yeah, no Chris Jones for the Chiefs and then the Lions don't really have much of anybody on defense. Um that means that yeah, they did what they took that linebacker. I can't think of his name right now. Um. The guy that everybody won the bills. Jack Campbell. Jack Campbell. Yeah. Yeah. Um but I agree. I have power on offense to be the best team in that division but I wouldn't would I be shocked if the Vikings or the Packers or even the Bears for that matter were to win it. Probably not. So, I'll go with the Lions. Uh the NFC East another compelling division. Got three and a half maybe. I don't know about Washington. Good teams. Um which the Cowboys, the Eagles, uh the commanders, and the Giants. Rob, who do you have winning the NFC East? Yeah, I like the Eagles. I think they're the best team in the NFC and I think they showed that last year. I think they'll do that again this year. Jalen Hurts continues his uh breakout. I won't say an MVP season but he could have another MVP caliber season like he did last year. Yeah, mine's gonna be the Eagles as well. I think their roster. While the Cowboys and Giants are gonna probably both win nine, ten games. I think the Eagles are just good enough to win eleven or twelve games and and win that division. So, Ryan, what about you? Yeah, I'm gonna be different and go uh Cowboys um not because I wanna be different but because I actually think the Cowboys are I think they have a better defense and I think their offense maybe not as good but I think they have a good offense and uh quite honestly, both these teams have pretty cake schedules. Um the Rob and I were talking about it earlier. Um sorry, we left you out of this conversation, Tony but the uh the Cowboys or I'm sorry, the the Eagles first was like seven games are the Patriots, Vikings, Buccaneers, Commanders, Rams, Jets, Dolphins, and then commanders again. It's like it's not that difficult. It could be six and one, seven and all. Yeah. And then the Cowboys was very similar. Like last year. So, it kinda feels like whoever wins this division is probably gonna win it with twelve. Twelve wins. Somewhere around there. Eleven, twelve. So, I just, I'm just gonna go Cowboys on that. That's gonna be a lot of my points in the AFC uh which we'll talk about in a second uh which is how hard all of their schedules are but uh last division um the NFC side is the NFC South. Could be the worst division in football. Uh we got the Saints, the Bucks, the Falcons, and the Panthers.
Dennis Prager Podcasts
A highlight from Back to ASU
"We get it. You're busy. You don't have time to waste on the mainstream media. That's why Salem News Channel is here. We have hosts worth watching, actually discussing the topics that matter. Andrew Wilkow, the next D 'Souza, Brandon Tatum, and more. Open debate and free speech you won't find anywhere else. We're not like the other guys. We're Salem News Channel. Watch any time on any screen for free 24 -7 at snc .tv and on local now channel 525. Hello, everybody. Dennis Prager here. Thank you, Julie Hartman, for sitting in for me. I feel good hands. Needless to say, I was in Denver for the day. I was lucky that I was spoke for my radio station. One of my favorites, the Denver station. 96 degrees in Denver. By the time the evening comes, Colorado, or at least Denver, I assume Colorado generally, gets cool at night, unlike Arizona, let's say, where the only difference is no sun. It stays quite hot, as it does in Texas and other places as well. I am returning to Arizona State University on September 27th. So, that's 27 days from now with Charlie Kirk. You may recall a big controversy. The white nationalists as the professors, these lowlifes, these fools, these intellectual midgets, these liars. 37 professors. I've offered to go and debate any of them anywhere, to have them even come on my show. Of course not. Among their many awful traits is cowardice. People don't realize, because we're so used to it, we're inured to left -wingers hurling epithets of the worst variety. I mean, calling me a white nationalist, which is essentially a Nazi, a practicing committed Jew. I mean, calling anybody that, unless they are one. But they do that, because that is all the left has. Its entire weaponry is smear. That's it. Smear and lies. So, it's been announced that we're returning to Arizona State University, Charlie Kirk and I. So, listen to what some of the professors have to say. Michael Osling, a Barrett honors faculty professor. Wow. It sounds so distinguished. Honors faculty professor. You think of a person committed to intellectual honesty and truth and dialogue. I mean, isn't that what comes up when you think of honors professor? This time around, Prager and Kirk will not be speaking in my name or the name of the college to which I belong, said Michael Osling, a Barrett honors faculty professor in an email. This lessens my responsibility to speak up against them, but not my responsibility to stand in solidarity with the people that this group of trolls so delights in bullying and vilifying. Did you see that quote? You know what he's talking about? I assume he's talking about people trolling him, concerned he's trolling him. Oh, oh, oh. So, we're not trolls. He's being trolled. Yeah. So delight, wait. So, it does not, okay, I didn't understand that part. It does not lessen my responsibility to stand in solidarity people with the that this group of trolls so delights in bullying and vilifying. The trolls are people who have vilified him? Well, no, you see, that's what's not clear. Oh, you didn't say it was clear. Okay, I can't charge you with that. That's true. So, I thought I'm a troll who delights in bullying and vilifying. I'm not. Okay. Since the first Health, Wealth, and Happiness seminar, many of the Barrett faculty who signed the petition to distance themselves from the event have been put on Kirk's professor watch list. It sounds like you're on a list to be assassinated. I mean, it's a watch list. That's all it is. Beware, these are left -wing, radical, anti -intellectual liars. That's what it generally means to be on Charlie Kirk's professor watch list. If you send your child to this university, beware that this faculty member could not care less about truth, craps on this country, et cetera, et cetera. So, the left -wing professor should be allowed to say anything, no matter how irresponsible. And we're not allowed to say, gee, that's irresponsible. And parents and students, be aware that this professor is incompetent and is morally challenged, to put it as kindly as I can. In the months since the uproar surrounding the initial Health, Wealth, and Happiness event, said Alex Young, a Barrett Honors faculty professor in an email, since the uproar, well, didn't he create the uproar? Okay. Just want to make sure that I haven't entered the Twilight Zone. Surrounding the initial Health, Wealth, and Happiness event, it has been made abundantly clear that Dennis Prager and Charlie Kirk are attempting to use ASU as a stage upon which to promote their broader anti -inclusive and anti -intellectual agenda. May I say that it is obvious I run rings intellectually around people like Alex Young, whoever the hell he is. And I prove it because he would never appear on the same stage with me to debate. Okay. So why don't you, you know, I'm pretty prominent. Wouldn't you gain a tremendous following and tremendous gratitude from your fellow left -wingers if you simply demolished me intellectually? Why don't you try that, Alex Young? Because you know you're lying. That's why. You know that there's nothing anti -intellectual about us, but there is something profoundly anti -intellectual about you. That's why we're going back to Arizona State University. It's about the most interesting. Yeah, Health, Wealth, and Happiness. That's really bad stuff, isn't it? That's true. Charlie Kirk, when we were there last time, devoted his entire half hour to speaking about the benefits of keeping the Sabbath one day a week, shutting off his phone and social media. He's a Christian who's does it from Friday night to Saturday night. I don't even try to contact him. Not that I'm particularly contactable either. People know that. So it's a quiet phone on the Sabbath for me. That's what he did. There's one of the 37 signatories to begging people not to come to our talk. Does one of them even know what we talked about? The state of the professoriate is so low in the United States as to be worthy of weeping. And these Barrett Honors Fellows at ASU are just examples of that. They're no worse because you can't get worse. But there's certainly no better. One of the many, many revelations of the last few years for me has been the sheep -like quality that is built into most human beings. I've always heard, we've always been told the famous Japanese saying, the nail that sticks out should be hammered in. In other words, don't stick out. You'll pay a price for not marching with the herd. And so much of my life, I thought it was a Japanese or perhaps Asian characteristic, but it's a human characteristic. These are sheep, these left -wing professors. They're the people who teach your children to the extent that they teach. What else did I learn? I should write an article, what I've learned in the last four years or confirmed, either learned or had confirmed, the weakness of the conscience. This Alex Young goes to bed with a clear conscience. I have lied about two individuals, utterly lied and smeared, and I feel great about myself. So much for the power of the conscience. 1 -8 Prager, 776. this I trust man. That's why I mentioned him by name. Nick's been in this industry over 42 years, and he's proud of providing transparency and fair pricing to build trusted relationships. If you're interested in buying or selling, call Nick Grovitch and his team at AmFed, Coin and Bullion, 800 -221 -7694. Americanfederal .com. Americanfederal .com.
The Podcast On Podcasting
A highlight from Ep367: Sales Is Not A Dirty Word - Aleasha Bahr
"The first thing that we'll do is get you a high quality setup so that you sound and look amazing and people will have an intimate experience when they are listening to you. That's one of the benefits of a podcast is that it feels very personal and like the person is talking to you. Most hosts never achieve the results they hoped for. They're falling short on listenership and monetization, meaning their message isn't being heard and their show ends up costing them money. This podcast was created to help you grow your listenership and make money while you're at it. Get ready to take notes. Here's your host, Adam Adams. Hey, podcaster. It's your host, Adam Adams. And we are hanging out with Alicia Barr. And we were just having a little conversation that it's Barr, not bear. Alicia Barr. And we're going to be talking a little bit about sales through your podcast. So if you're listening and you're now's a really good time to tune in, because we want to talk about some ways that you can get around that. Some ways that you can feel really good about selling and helping and serving your listener. And with none other than the host of sales is not a dirty word. Sales is not a dirty word. Her podcast, the link to Alicia's podcast is in the show notes. So go it out. It's something that I would say most of the listeners of this podcast, which includes you, you probably ought to be a little bit more focused on that sales aspect and reversing your mind to make sure that you're doing it in the right way. And so another cool thing, Alicia and I are both in the Denver area. Alicia, what part are you in? Yeah, I'm on the west side. Wheat Ridge. Okay. I'm a little bit farther west up the mountain, Indian Hills. So close to red rocks. Yeah. I want to move out there just because we do have a view from our house of the mountains. Cause we were like, we don't want to move somewhere that looks like we could be anywhere. Like we want to feel like we're in the mountains, but now we're like, I want to feel even more like I'm in the mountains, which is where you are. How close are you to do you do any hiking or yeah, not biking. Where do you go? Definitely hiking. Well, I just went to Mount Evans sick over the weekend. Yeah. Did you hike the whole thing? No, I wasn't that cool. Although I am planning on doing a 14 or which for anyone listening, people in Colorado are obsessed with summiting 14 years. It's just a really high altitude. So the air is so thin at the top. I think that's why there's bragging rights around it. So I'm going to go to the grays. I think we're going to do gray and Tories. I'm a little upset though, because they said I have to wake up at four. I'm like, are you sure about that? Like really makes me want to say hard pass, but if that's the only option you do it for the view, right? I'm doing it for the view. No, you do it for the social media likes that's the only reason who would put yourself through all that effort for a view. Have you seen that video where it's like, this sucks so bad. It's somebody hiking and he's like, this is terrible. I hate it so much. So hard, so hard, so hard. And he gets up to the top and he's like, sees this gorgeous view of the mountains. And he's like, I love hiking.
Mint | Where Crypto Meets Creators
A highlight from Why The Web3 Creator Economy Needs Coinbase's Base Protocol ft. Jesse Pollak
"Welcome to Mint. I'm your host, Adam Levy, and in this series, I'll be showcasing stories from the top creative entrepreneurs, collectors, investors, and founders pushing the boundaries of what's possible across the Web3 Creator economy. In today's episode, I'm joined by Jesse Pollock, contributor number one in the force behind base protocol at Coinbase. Together, we delve deep into how base is positioning itself in the Web3 Creator landscape. From foundational insights to its broader vision, we've got a packed discussion ahead. So stay with us. This conversation is one for the books. We're back with another episode with me today. I have Jesse Pollock, the one and only man, brains behind base contributor number one. What's going on, Jesse? Thank you for being on. Hey, Adam. Thanks for having me. Super excited to be here. I'm super excited to have you. We initially met in person. I think it was in Denver at like the music NFT party. And somebody I think it was Keely from Mellors PR intro to us. And then the rest is history. Yeah, I think we hit it off pretty pretty nicely that night. What do you remember from that evening specifically? Yeah, so I was you know, this was East Denver. This was the week after we launched base. So we launched base on like Thursday, and then the whole next week with East Denver. And this was the end of my trip. So the next morning, I was waking up and flying back to DC. And Coop had invited me Coop of Coop Records and all of those things. He said, Hey, come to this music thing. And I was like, Oh, man, this is like a music like this is so what I want to do. And it's at like 11pm after a really long week. And I'm so excited. So tired. So I went and I went by myself, because like, I don't know why I ended up going by myself, I went by myself. And I got there, I started listening to the music and it was, you know, filling up crowded. But my energy was just like, really dying. I was like, I don't know if I can do this. And so I was sitting down on this bench. And this, this woman sat down next to me. And we started a conversation. And we started talking about what I did and base. And she was like, Oh, you're saying you're here by yourself. You don't know anyone, let me go, like find some people for you to get to know. And led that to her bringing over Adam. And Adam was like, Oh, wow, excited to meet you. Like, let me go find some more people for you to know. And then Adam basically spent like, I think, like 20 minutes just walking me around the bed just being like, meet this person, meet this person, meet this person. And it went from me being like, literally leaving, because I was just so exhausted to feeling so much energy and so much like, welcome energy in being there. So I don't know, I felt so grateful to be to be to have gotten to meet you and connect there and that you took the time to like connect with a bunch of other people who now of course, like we're already collaborating with on a bunch of different things. So love it. I love it. I shout out to Keeley for making that intro. I really enjoyed like running around. We love Keeley, shout out Keeley. I was running around the event, like smearing my chest against people's backs is trying to like make my way through the crowd, just just to make these intros. And it was fun. It was a good time. And I remember we had a conversation where like, Jesse, we have to run an episode on the podcast capture your vision and your story on how you sort of imagine the creator economy unfolding on base. So that's exactly what I want to do today. But I think a good place to start, which I do start with everybody is a quick, brief intro. Specifically, Jesse, who are you, man? What does the world need to know about you? And more specifically, how did you get your start into crypto? Yeah, I'm Jesse. Like Adam said, I create a base, kind of leading all those efforts. Bases layer to Ethereum blockchain that's being incubated out inside of Coinbase, with the goal of making it really easy for developers to build, and for consumers to use these new applications that are being built on chain, including things for creators, like minting NFTs that can give you more connection, more revenue, more value from your fan base. So that's, that's what I do. Today, my story to crypto is, it's, you know, it's been a while, I've been working kind of in and around crypto for more than a decade now, at this point, I started a company in 2012, called Clef, that built kind of identity and security software for crypto businesses, primarily. So like Bitfinex and Bitmex and other exchanges were customers of ours, did that for five years, that business didn't work. And so kind of at the beginning of 2017, went through the acquire process, and ended up at Coinbase through that. And then the last six years have been kind of helping grow Coinbase from what was a 70 person company when I joined to now I think like a 3500 person company. I led all of our consumer facing team. So Coinbase, Coinbase Pro, Coinbase wallet on the engineering team for on the engineering side for four and a half years. And then for the last two years, I've been trying to figure out how do we bring Coinbase more on chain? Basically, like, how do we get Coinbase to really embrace all these incredibly powerful new crypto tools that are emerging? And it kind of out of those explorations and work get base. And here I am. So you were around employee number 70 at Coinbase all the way to 3500? Yeah, yeah. So Coinbase is interesting because it was started in 2012. But then it went through two bull bear markets before I joined in 2017. And to which point we went through another one. And so the company had like grown and then shrunk and then grown and then shrunk like twice before. And so in the like raw employee count, I'm sure it's a higher number. Like there are more than 70 people who worked at Coinbase before I joined. But when I joined, it was about 70 people and the engineering team was about 20 people or so. I just joined as an engineer. And then pretty quickly, they were like, you've managed people before. Like, why don't you take on managing a team and thus began a journey from managing like three people, which was my first time ever managing engineers to managing like teams that I think had something like 200 people in them by the time I was done with that role in kind of the middle 2021. What's Wow. Coinbase energy like at 70 people versus 3500 people? If you could sort of like give an example, how would you explain it? Well, I think there's a lot that's the same. Like this is one of the things, this is why I'm still at Coinbase after six plus years is that there's a lot of commonality. I think that's because Brian, our CEO, A is still our CEO, like he founded the company and he's still here 11 years later running the company. And so I think that's created kind of like a cultural continuity. But then B, I think he did a really good job just like identifying early on that in order to make us successful, we needed to like identify what are those cultural tenets about like who we are and how we work that like everyone's going to stick to. And those have been consistent. So the ones that really stand out to me that like I think about all the time are positive energy. Like this is just like there's no whining at Coinbase. It's like you bring positive energy to whatever the hard challenges that you're solving and anything less than that is going to be like not accepted. And that very much aligned with kind of my ethos of just like optimism. Like we can do this, we can always do this, even when it gets hard, we can do this. So that's a big one. And then I'd say another really big one is this is this idea of kind of efficient execution, which is just like, we find ways to make it so we can get 80 % of the value for 20 % of the work. Like how do we ship something quickly that delivers value to our customers, rather than kind of like getting in the weeds and trying to be like, Oh, this thing has to be absolutely perfect in order for us to get out into the wild. And, you know, I think, especially on that one, it's been interesting to see at the company that it's been so consistent, and it's a huge strength. And also there's places where it can be like a challenge for us to manage. Like, for instance, like with that mindset, I think we're really, really good at shipping things. But then it can be harder for us to build like the like, really, really, like manicured experiences, like to get that, like incredibly high product quality. And so that's, I think that's a muscle that we're we're building. So I'd say those things, things like positive energy and efficient execution, those have been really consistent. I'd say the thing that shifted is just like a 70 person company, you know, everyone. And so you want to get something done, you just like go ask the person you walk over to their desk. I think at the like 3500 person company, it's, it's a beast. And I get the benefit of like, I've known, I've been here for so long, I know people, so I can still kind of do that thing where I walk over to people, you know, on the internet, because we're all fully remote now. But even with my knowledge, it still requires so much just like thoughtfulness, basically, about how do we get everyone headed in the same direction. And this has really been my work for the last two years. It's like, how do we get everyone headed in the direction of, you know, making our business be a crypto native on chain business, which requires us transforming from being a kind of like web to business with a little bit of crypto that was created in 2012.
The MMQB NFL Podcast
A highlight from Trey Lance's NFL Future
"Hey this is Paris. I downloaded all my favorite things into my new Roblox experience. It's called Sliving. It's got everything I love. Discovering, shopping, collecting, partying with my friends. Do you slay? Do you live? Do you sliv? You can join me. Join me. Join me. Join. Come sliv it up with me on Friday, August 25th. Get on the dance floor as I spin at the hottest party on Roblox. I can't wait for you to see it. Now you're Sliving. Slivingland on Roblox. Loves it. I'm Dr. Sanjay Gupta, CNN's chief medical correspondent, and this is Chasing Life. People measure age in all kinds of ways. Most of us start with the number of years, but as I've started to discover on this season of the podcast, that doesn't really tell the whole story. I guess there's no denying that our bodies do go through some changes, but aging is not linear. Listen to Chasing Life on the iHeartRadio app. With so many streaming devices out there today, what sets Roku apart? Roku players are made for one thing, to get you the entertainment you want quick and easy. That means a simple home screen with your favorites front and center, channels like iHeartRadio that launch in a snap, and curated selections of TV for when you only sort of know what to watch. Not to mention all the free TV you can stream, including over 300 free live channels on the Roku channel. Find the perfect Roku player for you today at roku .com. Happy streaming! Welcome to the MMQB podcast. I am Matt Verteram, joined by Gilberto Manzano here. It is Thursday, August 24th, and that means we only have one week of preseason football up. We're all thankful for that. Gil, have you finished up your training camp tour? Are you done now, or you still got a few more you gotta hit? Yeah, no, I'm done, and when you said the date, Matt, I actually forgot what date it is today, so that tells me we're two weeks away from the real football season, so I am done with training camp. I don't know about you, Matt, but after like the fifth or sixth stop, I was over it. I saw enough, you know, kind of somewhat real football. I did check out a couple scrimmages, which felt like a little bit of real football, but before that I was like, I'm over the traveling. Let's just get to the Chiefs and the Lions for that. There's a night opener. Yeah, man, I went to eight camps. I saw nine teams because the Lions and the Giants had joined practice when I was up in Allen Park. The day that I woke up in Kansas City, I actually didn't know what city I was in when I woke up. I had like a two -second, I don't know if panic's the same. So, I'm done. I finished on Tuesday. I went up to Green Bay for the last one, which was kind of more of an add -on at the end. I had gone up there for OTAs to do a feature on Jordan Love, and I wanted to go back up there and visit with Matt Lafleur, and it was worth the six -hour round trip. It was a long, long bit of traveling one day, but we made it happen. How many camps did you get to over the course of the summer? I got to, I want to say eight, and I had like you with the extra one with the Saints. The Saints came to Southern California for joint scrimmage with the Chargers, so technically nine teams, but the way I think I did it was, I think it was five states. I drove to Las Vegas and Arizona, and then I flew to San Jose, Seattle, and Denver, and going from Seattle to Denver, that's the one I felt. But yeah, man, I primarily got the West Coast teams. I got, you know, eight teams. The ones that were easy was the ones in my backyard in LA, the Cowboys, the Chargers, and the Rams, but you know, after the, I got on the plane. You know, at one point I started thinking, I don't know how you did it, Matt, because you were driving everything. Me driving to Las Vegas and Arizona, that was too much. I couldn't do any more car rides after that. Yeah, I didn't fly for any of them. I'm based outside of Chicago. You're based in Los Angeles, so you, your teams are more sprawling for you. I mean, you're not driving to Seattle from LA. For me, the longest drive I had was Kansas City, which was like six and a half hours each way. So I did, I did make that happen. But luckily, like Chicago to Indy's not bad. Indy to Cincinnati's a couple hours. You know, it wasn't, wasn't too bad. Look, we're going to get into Trey Lance. We're going to get into, there was an injury at Broncos camp earlier today before us recording with Jerry Jeudy, with what appears to be a hamstring injury. We'll talk about that a little bit. But I, I want to ask you, so the eight teams you saw, or the eight practices you was the most impressive? And was there a team that stood out to you, either good or bad, that you were kind of surprised by? Yeah, it's a tough question, man, because I was thinking that because I got, I got a good balance of really bad teams from Arizona. I saw our guy, Connor Orr, had him at one and 16 for the, for his win -loss record, a story that came out today. So they, they, they looked like they're going to be really bad. And it was tough for me to figure out who's who on that roster. So I got that. And then I got all the really good teams, like the 49ers, you know, I'm high on the Seahawks, you know, that from our doing our, our midsummer prediction, by the way, that was tough. We had to pick our Super Bowl teams in what, like April or May we're going to do it again. And I'm so happy about that, but the Seahawks look good. I like the Cowboys a lot, but every year it's the same thing. Like they get far and they don't get past the second round. So I can't commit to them. Same thing with the Chargers. They just don't go far. Like they're really hyped to have a lot of good players. So I keep going back to the 49ers because they've shown to me to at least get to the Super Bowl, or at least make it to the NFC title game. And then Brock Purdie being healthy. That to me was all I needed to see to say, you know what? I like the Seahawks, but I'm going to leave that bandwagon and go to the 49ers. Do you believe in Purdie? I mean, look, obviously you believe in him enough that you're, you're, you're high in the Niners, but you know, they'll roll with Purdie, which we knew they would, if he was healthy. Lance is the third string guy. And I know you wrote a piece on trail, Lance, we can get to him in a little bit here. The roster's stacked. I don't think anybody questions that. I mean, they have all pros literally in almost every single meeting room. They, they, they have guys everywhere. They have a very good head coach in Kyle Shanahan, but they've been a team that they haven't found their quarterback or at least they haven't proven to have found their quarterback yet. They went to Jimmy Garoppolo. Garoppolo, of course, now with the Raiders, who you saw as well during your tour.
The Bitboy Crypto Podcast
A highlight from $BEN To $.01! (Big Update)
"Move your to a DeFi wallet. A DeFi wallet would be a Coinbase wallet, not a Coinbase exchange, a trust wallet. Oh, my God. I saw these thumbnails from this guy. Here's his channel. Here's his channel. I'll blow his channel real quick. I'm subscribed. I've been subscribed the whole time. I didn't just subscribe just now. But he does a lot of cool videos, and he's been a big supporter of BenCoin. And so we want to bring him. He's going to be coming on regularly a few times a week, talking about BenCoin. So, beliefs, if you've already subscribed to the channel now, you got millions of subscribers. Let's talk about BenCoin. What do you got today for our BenCoin update? What you got? Alright. So, there was an AMA yesterday. The AMA was held in the chat. And in that chat, the liquidity is basically unlocking on September 16th, so it's going to be a lot of movement, a lot of action before you move to September 16. Then we're going to have liquidity unlocked, and then shortly after that, we're going to have the v2 launch. When that v2 launches, that's going to be a... Look, that's a giant catalyst for anybody. And we can't talk price action, but we can mention price action. I think it's going to be a very big catalyst for the project overall. Then you have less... I want to say there's less than 100 million, billion, trillion tokens. I think that the supply is going to be down just a little bit less than what people had originally expected. I know a lot of people had some wild ideas about how much the tokens supply, and I believe that... I would think that a penny, a dime, a dollar, whatever number we go with, I hope you guys are kind of putting it in that range. So, when we get to 10 billion market cap, every token is worth a dollar or something like that. Hint, hint on the supply for people who are looking. And the most important thing is you got a little time to get ready. We're looking at something that would make a penny very possible. That's what I'm saying. Really more on the penny than the dollar range. Yeah. Yeah. Yeah. That would be a nice one because that's one of those things, the motivating factor for a lot of people who are getting into tokens. They want to see a value. And the large token supply, that was a trick of mean coins, and this is not a mean coin. So, let's move on from that to a lower token supply. The important thing for everybody is know that it move your Bencoins to a DeFi wallet. DeFi wallet would be a Coinbase wallet, not a Coinbase exchange, a trust wallet. Do we have a sponsor here that I'm supposed to promote here? MetaMask? Today, the show is brought to everybody by ClearSell and Proactiv due to the zit on my forehead, but you can't move your, but you cannot, you can move ClearSell to Ben. I need that, but you can't move Bencoin to ClearSell. Thank you. No. Yeah, and I think that zit identifies as pus and filled. Yeah, that's true. That's why our guy, Bleeze. This guy's funny. This guy has made me laugh more times on this show than Tim has ever made me laugh. Well, it's because Tim's always trying to maintain a very serious show, and that's why everybody hates Tim, but everybody loves Bleeze. Yeah, Tim, you suck. Yeah, Tim sucks. Yeah, sorry. Sorry, Tim. Gosh. Bleeze and I are actually joined together, and we're going to overthrow you, Tim. That's what we're going to do. It's a race. It's a race at this point. It's a race. It's a race. So, now, now, Bleeze, what is going on? Do you have anything for the chart to talk about? Do you know how to pull the chart up on here on, do you have, you know how to share the screen on here? Yeah. Okay, perfect. Got it. Share it with you. And I keep mine simple. I don't do that Frankie Candles crazy stuff. Yeah, no, I don't either. Where I have all kinds of different levels. It's pretty simple the way this chart works and the way it works right now. So you can basically see that, I mean, you're trading and we're on an hourly chart, by the way. Not the most reliable, but it is what we're tracking it with. And I mean, you can see where this descending channel, the descending channel has been going on for a long period of time. There will be a breakout and my expectations, I just deleted it, but I think 45 and maybe 54 are going to be the next big levels that we can possibly bounce off of right in this little range right here. If we get something, there's going to be a motivating factor that's going to come at some point. Otherwise, I think we just kind of range through here, hopefully continue to use this level as a modicum of support. But then, there will be a big move. And then when we get to V2, which again, less than, I mean, it really looks like it's less than a month away. I can't give anything away because I don't know like everybody else, but I think that when that reversal comes, when that V2 opens up, I think we're going to see a massive sort of run. So I think in the meantime, this is the perfect opportunity for anybody to kind of accumulate right in the inch here between 3000 and wherever it drops. I mean, this is one of those moments where I think Ben and I the other day were arguing on Twitter about whether it's going to go to a billion or a 10 billion market cap. So there's very big expectations and there are very big ideas about what is going to happen with Bencoin. Be everywhere now. Expect that this is going to be at the forefront of mass adoption. There's a lot of different resources that can't be talked about until this launch happens. Guys, I'm always right. That's my logo. That's my slogan. So just believe me, I'm always right. And get ready for a moonshot. I think this is really going to have something in it, something in the tank that's going to take us off to a new level. So if you haven't already, make sure you subscribe to me. Of course, obviously. But, yeah, we're going to be killing it pretty soon. So I think if you haven't already, at least go look at the charts. Go check it out. Maybe we should post a contract link or something like that in the description of the video. And let's see what happens here. But I believe we're going to have something happen. Absolutely. Well, thank you so much for joining us, guys. Make sure to go check him out. He's going to be coming on a couple or a few times a week. Going forward. So this is our Bencoin guy. Now, who can you learn more about Bencoin from than anybody else? It's obviously me. But also beliefs. But also beliefs. So, yeah. Yeah, exactly. So you guys make sure you follow me because this is our guy. I mean, look, a lot of YouTubers, they talked about Bencoin in the beginning. They kind of retreated from it. Very few people have actually seen the vision. I believe they've seen the vision. And he knows where we're going. And it's an exciting place. So thanks for joining us. And we'll have you back on next week. I'm going to be gone for the next two days, of course. And we'll get that set up. Enjoy Denver. And we'll talk to you again soon. Alright. Thanks. See you. Bye. I like that guy.
The Café Bitcoin Podcast
A highlight from Bitcoin Mining Update with Adam Denver, Anthony Power, BlockBain, and Nuclear Bitcoiner - August 21st, 2023
"Hello, and welcome to the Cafe Bitcoin Podcast brought to you by Swan Bitcoin, the best way to buy and learn about Bitcoin. I'm your host, Alex Danson, and we're excited to announce that we're bringing the Cafe Bitcoin Conversations Twitter Spaces to you on this show, the Cafe Bitcoin Podcast, Monday through Friday every week. Join us as we speak to guests like Michael Saylor, Len Alden, Corey Clifston, Greg Foss, Tomer Strohle, and many others in the Bitcoin space. Also, be sure to hit that subscribe button. Make sure you get notifications when we launch a new episode. You can join us live on Twitter Spaces Monday through Friday, starting at 7 a .m. Pacific and 10 a .m. Eastern every morning to become part of the conversation yourself. Thanks again. We look forward to bringing you the best Bitcoin content daily here on the Cafe Bitcoin Podcast. Good morning, Sam. What's up, man? Thank you for for hosting. While Alex is away, I know it kind of caught you by surprise this morning, but how was how was your week? Were you in New York? I saw you at PubKey last last I heard. Yeah, yeah, so I got in back to St. Louis yesterday from New York. I had a good trip to PubKey. PubKey is great. Like if anyone is in New York, I want to check it out. I mean, it's just like a good dive bar, Bitcoin themed, great folks that run that place. There was a cool meetup that I was at. Alex Gladstein talk, gave a little talk. I shot at Swan Signal episode with Jimmy Song and Anita Pausch upstairs above PubKey, and that was a great episode. So you can check that out. We really focused on emerging markets and for human rights and kind of education in those countries that really need the most. So Anita works a lot in Zimbabwe. Jimmy has been traveling the world recently with his family. So there's a lot of interesting insights in there. So, yeah, it's been a good good couple of days. Happy to be here. Yeah, I went to PubKey once I met Brekky and John up there and it was cool. I wore a stack chain shirt and hoping that that would kind of have some people ask me what it was, but no one did. But it was a good time. I bought a big orange hoodie, which I'm excited to to wear in the wintertime. So good, good times. Did you go to the just just PubKey or did they have a actual like bit devs up in New York at that time, too? No bit devs, I did go to the Wolf facilities. Which was insane, that place is so nice and such a cool accelerator that they're building there. You know, Ross Stevens and crew, Kelly Brewster, Alex Betsing gave a talk there, too. And they're gracious enough to invite me over there and to check out the facilities and stuff. So, I mean, it's really cool talking to those teams that are part of the Wolf pack, the second cohort of builders in that accelerator, kind of talking with them to see what they're building. Shout out to all those guys. They're coming up on their last about they got like 10 days left until the pitch day. So it's the end of their eight week program and they're just building really cool stuff. I mean, it was very inspiring to be around them in that facility. I mean, it's just gorgeous. It's in like the 64th floor. It's got these crazy views. And I mean, it made me want to pick up programming just so I could be a part of that program. It was so cool. So that was probably the highlight of the trip was going to the Wolf facilities. It was pretty phenomenal.
The Bitboy Crypto Podcast
A highlight from MASSIVE ADA FUD Will Cardano Survive?
"Yeah, I love me some Ada, but dude is like a bit like Calculon from Futurama with the dramatic pause. No, this is gas. I'm burpee. Burpee here, folks. That's all. 2 ,900 % price increase if history repeats itself. I think they're talking about going from what, like $0 .02 to $3, I think. Okay, so talking about, yeah, when they trade between $0 .10 and $0 .02 days for $665 before seeing basically a 3 ,000 % price surge. I don't think we're going to get a 3 ,000 % price surge, though. I think we might get, I think we get a 10x from here for, I don't want to say for sure, but you know, I think we get above $3 for Cardano. Chat, tell me your Cardano top prediction. I think we've talked about it before. You're coming in at what, $7 or so? Well, at $7 this year, so at $7, it would have to hit, I'm pulling it up right now, so it'd have to hit a $250 billion market cap as the market sits right now. Yeah, and it'd be a little bit more tokens released. There are inflation rates, 4 -ish, 5 -ish percent. And around $250 billion is where Ethereum sits right now. So it's not really out of the question for Cardano to, you know, 24x, in my opinion, from right now. It kind of looks the same as what it did last cycle. It sat flat. A lot of people thought it was gone when it was sitting at $0 .02 and it had previously hit $1 .20, you know, and then it came back and ripped face off. It hit a new higher high. So I mean, it's nothing that I'm going to be missing in the next bull market. And that's one of the ones that's on kind of my list of what I might be aping into. It's just a matter of if we're going to hit that $25 spot or not on Bitcoin. But Cardano and then a litany of other... $7 .32, $8 .76, $4 .50, $7 -10, $10, $10, $3, $4 .69, lucky number seven. Okay, $0 .22. Someone's going the wrong direction. And $280 billion market cap. All right. But there's a little bit of also bullish news here with Cardano, part of the firm. There have been back to back weeks with over $67 billion in Cardano transaction volume. This is the highest level since September of 2021. Anytime I see a metric that is measured in some sort of not round number like $67 billion, it makes me think of when you're watching Sports Center and they're like this national league pitcher, when he pitches on a Tuesday and it's raining and they're west of the Mississippi and his opponent's name starts with the letter M, he has a $5 and you're like, what's even real at this point? Like, are we just crafting narratives? And so, you know, if you move it to $68 billion, probably different. I don't know why they didn't choose $69 billion or $60 billion or $70 billion. And so, you know, although it's pretty good, we haven't seen volume like this in years, September 21. So let's talk about Chucky though. Chucky, he likes to Falcon. He likes to go in deep sea excursions for meteorites. And I think he's going to be a rare Evo. Shout out to the rare Evo team. We're going to, it used to be rare Bloom. We're going to be at rare Evo. We're going to do a live ATB episode. I know Ben's going to shoot some content out there from, we're going to be out at the podcast booth. So yeah, shout out to all the people in Denver. I'm going to Meow Wolf and Casa Bonita. Oh, you are going to Casa. What'd you get the lottery? Did you, did they accept you into the lottery? So that's no longer a thing. That was like, just what they did, like a limited open and then they they've reopened since. Okay. And so that was for the limited time. Okay. All right, Charles, they're actually about to like open up for lunch and stuff or yeah, they're expanding Casa Bonita. I've never been. It's amazing. I'm looking forward to it. Everything that it's, we did rewatch the South Park episode. It was pretty funny. All right. Charles Hoskinson reacts to criticism. Cardano is here to stay. Let's see, as it happens, he addressed the attacks on Cardano, particularly the proclamations of its death or relevance or failure by the venture capital coins, crypto media, or the maxi crowd telling them Cardano is here to stay in his ex post shared yesterday.
The Bad Crypto Podcast
A highlight from Legally Pay Less in Crypto Taxes!
"Would you like to get paid to listen to this podcast grab the fountain app for free and get all our badness But earn some sweet Satoshi's download for free now at fountain FM Imagine paying only four percent taxes to the government for your business income and now imagine paying zero Capital gains taxes for all of your crypto gains. Well, I don't imagine it. I'd live it Legally, sir. Lord Travis is super busy today so you've got me and my guest Davin Michaels here to discuss how the tax situation that I mentioned is real life and How you can surround yourself with high performers that may help set you up for a very profitable Future by joining us on the high seas. Yarr sound exciting Ahoy, matey come along with us on this ride for episode number 693 of the bad crypto podcast Welcome to the bad crypto podcast Sir Lord Joel come here with you Travis Is getting ready to do some globe trotting and he's got a lot of stuff to do. He's very busy right now And so I'm rolling solo today, but not truly because I've got a guest with me he's an old friend and We're just gonna jump right into the interview because there's two things that I want you to walk away with as you listen number one how to pay less Taxes legally and not just crypto taxes, but any type of gains taxes on your stock portfolio taxes on your precious metals gains crypto and more and I want to invite you to come along with us on a vacation on the high seas. You're gonna love this Let's listen in As You know Sir Lord Travis and myself have been living in Puerto Rico now for over two years It's it's been really interesting met a ton of incredible people, but one of the gentlemen who is Responsible for me being here is an old friend. His name is Davin Michaels Davin's an entrepreneur he's a crypto guy and He was on episode number 382 of this podcast a little more than three years ago But you might not know it because he was on the same show as dr. Ron Paul Dr. Paul, of course was the headliner and then there was like oh also Davin and I wanted to give him the spotlight today because we've got a lot of really interesting things to talk about Davin Michaels welcome back to the Republic of bad cryptopia, sir Mr. Joel calm my dear friend of almost 15 years. It's great to be here with you Mika No, I think it might be longer than that. I think it might be too if we had met around 2007 it's it's 16 years. Yeah. Yeah, we just taken it your way for me. I'm sorry about that We just celebrated the 15th year of one to three employee. I was shooting a commemorative video for our employees So that's 15 years there Wow And for those of you watching the video version on YouTube rumble or Odyssey that is a real background Davin lives really a big stones throw away from me right on the harbor here in Palma still Mar and It's a beautiful day. It's a hot day But you know, what's mind -boggling to me is here We are closer than the rest of the states to the equator and they've been having a worse heat wave Then we've been having yeah, not too bad here. Not too bad. Nice breeze Beautiful paradise all year long. Yeah So for those of you that really want to go deep on the Puerto Rico connection and the tax benefits I recommend you go back to the episode. We recorded three years ago. It's bad co dot in 382 we'll have that in the show notes for this particular episode as well But I want to touch on it Devon before we get into some other things today Including we're gonna be talking about so you guys want to stay tuned for this an interesting opportunity To go on a cruise with us in April. That's a little teaser for you let's let's start out with the overarching benefits of why Americans are moving to Puerto Rico Yeah, absolutely so Puerto Rico is a territory and if you are a u .s Citizen and you jump through the legal hoops and you make Puerto Rico your legal home In other words, you live here at least half the year then you essentially pay almost no tax So we pay four percent federal income tax We pay zero percent capital gains We pay zero percent in dividends and it is truly a game -changer a dear friend of both yours and mine and neighbor of So many years John Lee Dumas who is an unbelievably successful podcaster JLD always says I work 4 % of the year for the federal government and 96 % of the rest of the year for myself. He said he works the first couple of weeks of the year for the government then that's it and That's that's a big game -changer. So we lived in LA where we were paying I don't know between You know corporate and federal and state and I think I was paying about 63 % in taxes and it was just absolutely ridiculous And so we first moved to Vegas got rid of the state tax and then eventually moved here and got rid of most of it But there's so many more benefits, too So for example, one of the greatest benefits is is deal flow and you were talking about that a few minutes ago The amazing people you meet here because you got to be a mover and shaker to do this You know, you you have a tax situation, right? You need to save money. You're doing well in addition to that To pick up and move to a territory You have to be a pioneer which you are such a pioneer and you you and I both have that pioneering spirit as does Everybody over here. And then what happens is you have to spend at least a half a year in paradise. It just sucks Right. I mean look at this. It's just so hard, you know, so it's gorgeous here all year long There's great food great people and the actual people who live in Puerto Rico actual Puerto Ricans Are some of the loveliest people in in the world. They will just give the shirt off their back for you They are so nice. So wonderful and I'll give you an example You just walk down the street and people are saying good day to you. Good day. Good day Good day. Well, we leave we travel and and people aren't speaking to us like saying like greeting us on the street We're like gosh, you know you get used to this, right and then we greet people and they look at us like we're crazy But there's also a lot more benefits than just tax benefits. So so the way all this works is Puerto Rico is a territory. They have their own tax authority and it's not the IRS It's hacienda. And so if you're a bona fide resident of Puerto Rico, that's who you're paying your taxes to you're letting the IRS Know what you're up to but you're paying hacienda And there's all these other programs that are available to they used to be a whole bunch of different acts They've now put them under an umbrella called act 60 when Joel and I got into this It was called act 2022 and we were just two of those acts but now act 60 brings them all together and Just to give you some examples of some of these acts I have a car that is a plug -in hybrid It only gets 19 miles on a charge. Okay, it's just it's just a token thing But because it has a plug I was able to import it here tax -free and save 30 % in taxes There's an entertainment tax here. My cousin Danny was just here shooting a Pilot for Amazon. She got a 40 % tax break of which you can you know cash in that tax break at 97 and 19 to 99 cents on the dollar so it's essentially cash back There is a hospitality credit if you have like an Airbnb that has at least I think it's seven or eight beds and baths You get 40 % back over four years Many of you who might live in the u .s. Might be familiar with Opportunity zones where you get amazing tax benefits Well, 98 % of this entire island is an opportunity zone and this list just goes on and on I learn about all these new incentives all every day and I don't know all of them But in a few minutes, we're gonna talk about one way that I'm gonna both you and I are gonna learn all about them And by the way, Joel My guess is you don't know about all of them either. No, I don't I know, you know act 60 That's that's what I'm here on and it's you know, what you say is so true I came for the tax breaks. Yeah, and I did have friends already. I knew you and I knew JLT and Had visited in fact I think that we you're recording the last time you were on the show was when I first visited you In February 2020 the episode came out the the following month and we were going to move Yeah that May and then kovat hit and everything became more complicated and we put it off for another year But I'm really glad that I pulled the trigger when I did I came for the tax breaks But I'm staying for the community I have never in my life and I'm approaching 60 ever nor in a community like this of high performers of creative people of good hearted people and you have everything in where we live in Palma del Mar from Thousandaires to billionaires and from hanging out with people you wouldn't know the difference of who you're hanging out with Because it seems like the egos are largely checked at the gate and people were all here kind of for the same reasons Yeah, it's a yeah for sure. Sorry to interrupt. It's but yeah, it's like kind of a flip -flop and t -shirt community, right? So how are you gonna be flexing? You know what I mean? So it's nice. It's nice people do check their egos at the door I think for the most part there's all of these Groups that were in and signal and what's happened. There's always something going on You know, I've become a pickleball enthusiast since I've moved here. Erin is a big golf Enthusiast and you know, we we live on the golf course So holes five and six of the palms course are right behind our condo And the beach is right outside the door. And so it's just there's always something to do We're going somewhere tonight. Are you are you joining us tonight? What's going on tonight? I don't know Okay Yeah, check check with your social director. I'll check with mine. Yeah, but Like you said I've never experienced anything like it except on like television, right? These little you know, these TV shows that take place in this little small town Everybody knows each other and they're all like best homies, but I've never experienced in real life until moving to Puerto Rico I think part of it is you know when you're in the city like we came from Denver To somebody's orchestrate calendar with yours in multiple couples calendars to get together. It's a big deal It's an event here. There's so many people and so many friendly people that it's like hey, what are you doing for dinner tonight? Hey, we're having you know karaoke at our place this weekend we're going to the beach club on Sunday and and people just continue to get together to the point where We have now had to since we've been here vacations with Groups people of from here So we basically just pack up Puerto Rico and we put it on a cruise ship and take it on the road and we'll talk A little bit more about that here soon. By the way, are you going to Rustin's a rip your float party tomorrow? Yes, I am But we have another party simultaneously, so we're gonna be jumping back and forth So Let's you know, we kind of hit on the governmental programs the things that are available here And we'll try and find a website for you guys that has all of the different acts so that you can take a look at Those let's talk a little bit about some of the the services on the island and the things that people are working on Yeah, so what's interesting is well, okay. So let me start with my own personal experience. So I always I Felt that when we came here we were gonna approach this as we are a guest in this Territory and and so I don't you know, try to push my opinions or agenda on anybody and My goal was to make this place a better place than when I got here Right to make a difference and make an impact and I like I kind of an impact jump junkie so I really like that and a lot of people are doing the same thing here and You know, you could you could actually come here and say I'm not gonna do any of that I don't want to have any impact I'm just gonna do my time and so on and so forth and you would still impact the economy because you'd hire a ton of people to help you with a bunch of different stuff and you put a lot of money into the economy and so I'm involved in a lot of projects here One of my favorites is I am a member of PMPR partnership for modern Puerto Rico which is the think tank that was created by Alberto backo who's the former secretary of commerce to Puerto Rico and He actually if you came in on our program act of 2022 several years ago He would have signed the decree because it was he and his regime if you will that that that ushered in act 2022 And it has had such a huge impact on the on this island So many things are happening I'll give you an example in this enclave that we all live in There has not been new development here in two decades in 20 years because it was overbuilt in the heyday prior to 2008 Now there's new construction here And people are benefiting one of the things that is included in the act 60 program not in my decree But in the current decree is that you have to buy a property within two years You can come here you can rent a place.
Bankless
A highlight from DeSci: How Blockchains are Powering Science 3.0 | Zuzalu #7
"Welcome to Bankless, where we explore the frontier of internet money and internet finance. And today, on this episode of our Zuzalu series, we are exploring some new frontiers. New frontiers and new technologies, all of which are poised to completely revolutionize the world and change everything about the operating system that society is currently running on. Bankless Nation, today we are exploring the frontier of DCI, or Decentralized Science. What is DCI? DCI is a really good question because I legitimately had no idea going into Zuzalu. But it became clear that DCI is a great connector of many of the technologies presented here at Zuzalu. DCI is how synthetic biology and longevity have to do with Ethereum. DCI is what is putting Ethereum at the center of these things. The fundamental argument for DCI is that the old ways of doing science is bad. And for the same reasons why the old way of doing money and doing finance is bad, DCI looks at the incumbent system of producing science and sees friction and corruption and antiquation and toxic tradition. DCI wants to use blockchain technology to improve the systems and institutions of science. The mechanisms of how science can use a blockchain is a very big conversation. And the answers are more than a few. But the conversation that you're about to hear with Boris and Mikey will download you on the DCI landscape here. But this isn't just about improving the ways that we do science. This isn't just about, hey, we found a new way to do science better and faster. DCI presents a zero to one step function change in the form factor of scientific progress itself. You know how Uniswap and Aveg and ERC20 tokens are just open APIs of financial tools. DCI wants to do very similar things for its scientific data. What would happen if we made our scientific data as open and as free as a contract call? What if scientific data was as modular and open as the internet itself? But blockchain tech doesn't just provide new solutions for scientific data specifically. DCI is also marked by an emergence of DAOs, all following a decently similar form factor of capital allocation, financing clinical trials in hopes of investing in a breakout new treatment, servicing the long tail of un -serviced patients, which also sounds a lot like banking the unbanked, and a bunch of other similar puzzle pieces that are all trying to go after certain specific use cases in the world of science. So this first episode in this two interview series is with Boris Dyakov and Mikey Fisher, both who are pioneers in the DCI space and helped me have one of the most enjoyable and easy conversations that I had at Zuzalu. And after listening to this conversation, you'll understand exactly what DCI is getting at and whether or not you want to proceed into the second conversation with Alok Taieh, whose project ViBio illustrates a specific example of the overall archetype of DCI DAO that are art there, trying to use blockchain tech to coordinate and accelerate scientific progress. So, Bankless Nation, are you ready to explore the frontier of scientific progress? By the way, at Zuzalu, all of the traditional scientific researchers that were there all realized that the existence of DCI implies the existence of TradSci, which was a meme that stuck pretty damn fast. So all right, let's go and learn about DCI with Boris and Mikey, followed by DCI DAOs with Alok. But first, I want to talk about some of these fantastic sponsors that make the show possible. Extra thanks to Kraken, our preferred exchange for crypto in 2023. 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Whether your character class is a DeFi degen, airdrop hunter, or healed seeker, the arbitrum colosseum is where a ton of the action is going to be. So whether you're on arbitrum 1 for DeFi and NFTs or arbitrum Nova for web 3 gaming or a new frontier on arbitrum using an arbitrum orbit chain, there are so many opportunities to sink your teeth into. But as we know, the Ethereum roll -up centric roadmap produces all kinds of layer 2s. And Mantle is one of the newest layer 2s on the scene with some of the newest technology that Ethereum layer 2s has to offer in the year 2023. Mantle is built using the OP stack, but uses Eigenlayers data availability solution instead of the expensive Ethereum layer 1, reducing gas fees by 80 % compared to other layer 2s. With billions of dollars standing by from Bitdow to invest in Mantle, make sure you stay ahead of the game by building and growing your on -chain footprint on Mantle. 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And so, if we're truly entering a bull market phase in crypto, which we totally are, then tokens are going to start flying all over the place. So if you're an organization looking to grow with token incentives, then look no further than Toku. If you want to distribute tokens to your employees, team members, or for payroll, Toku can help you comply with labor laws, tax obligations, and reporting for whatever country you employ someone. Crypto is entering its regulated era, and Toku can help you achieve your token incentive award goals with compliance. So thank you to all the sponsors that support Bankless, and all the podcast editors, newsletter writers, and operations managers who make the Bankless organization the best that we can be. We truly appreciate your support, and for all the listeners out there who listen to the mountains of content that we churn out each week, especially this one right here. So let's go on to the show. Bankless Nation, we are here at Zuzalu, and I got two people on the podcast with me today. Right to my right, we got Mikey. What's up, Mikey? How's it going? How's it going? And then further down to my right, we got Boris. What's up, Boris? Hello, David. Pleasure to be here. So I've heard the name DeSci a number of times. It had some exposure at East Denver. I've seen it on Twitter, but I haven't really figured it out. But DeSci seems to be the thing that really is pinning a lot of these various conversations at Zuzalu together. That's why the synthetic biology people are talking to the crypto people, right? That's why the longevity people are talking to the crypto people. That's kind of my basal level understanding. But beyond that, I don't know what DeSci really is or how to explain this movement to the Bankless Nation. So I'm hoping you guys can help us guide all of the listeners down that rabbit hole. You guys want to do that? Very excited, too. Yeah, happy to. But first, a little bit more about you guys. Mikey, tell us a little bit about yourself and your background. Yeah. So I just finished my PhD. I was at Stanford. Congrats. I was studying computer science and natural language processing.
DerrickTalk
A highlight from "Tory Lanez Gets 10 Years ..Wayne Brady Comes Out As Pansexual..Ciara & Russell Having 3rd Child....
"Welcome to another edition of Convo Over Cigars. This is the weekly recap. Let's talk about what happened this week. The big trending news stories. Rapper Tory Lanez was sentenced to 10 years in prison. This was on Tuesday in Los Angeles County Superior Court for the shooting of Meg Thee Stallion. This was back in 2020. Last December, Tory Lanez was found guilty of shooting Megan in party at the home of celebrity Kylie Jenner. Lanez spoke for several minutes at Tuesday's sentencing. He described the victim as his friend, someone I still care about dearly to this day regardless of her feelings about him. He talked about bonding with Meg Thee Stallion over the loss of their mothers. Meg Thee Stallion did not appear in court for the sentencing, but she did issue a written statement saying for once the defendant must be forced to face the full consequences of his heinous actions and face justice. When the shooting occurred, Meg and Lanez left the party along with a friend of hers and his bodyguard. The artist got into an argument in the car. Tory began shooting at her feet when she got out of the vehicle. She was hospitalized and Wayne Brady is opening up about his sexuality revealing to people that he is actually pansexual. The Let's Make a Deal host said that he initially couldn't settle on a label for his sexuality. Nothing that bisexuality could truly describe how he felt. Well basically he was saying that being bisexual that term did not truly describe how he felt. The 51 year old says he's bisexual with an open mind. To be clear pansexual is defined as being attracted to a person regardless of their sex or gender. So Wayne Brady to me has come out as gay. He's basically a gay man who says that he's pansexual. If you are attracted to both males and females technically you're bisexual. So just to be clear but good for him living his truth. I don't have anything to say about that. I think Wayne Brady is a talented guy. I like watching his shows that he hosts. I think he's a very gregarious very charismatic host but you know living his truth and that's what we're Superstar vocalist Sierra has announced that her and Denver Broncos hubby Russell Wilson are expecting their third child together and their fourth child all together. So this will be their third child together and their fourth child all together. The couple shared the exciting news via a video announcement on Instagram filmed by the NFL star on the couple's anniversary trip to Japan last month. The baby on the way joins three -year -old son I think his name is Nguyen and the daughter her name is Sienna Princess. She's six. Sierra is also mom to future Zaire. He is nine who she shares with the rapper Future. Now Neo is addressing comments that he made about gender identity and allowing children to interview released on August the 5th 2023. Neo initially raised eyebrows during an interview over the weekend with Gloria Velez on Vlad TV in which he said he was you know he had no issue with the LGBTQ community but he questioned gender identity. I just personally come from an era where a man was a man and a woman was a woman and that you know that's just how I rock there were just two genders you know and that's how it was now you can identify as a goldfish this is what he said if you feel like it I don't care that ain't my business it becomes my business when you try to make me play the game with you. Neo who has seven kids also spoke out about what he has seen as a change in regards to how parents raise their kids. I feel like parents have almost forgotten what the role of the parent is it's like okay if your little boy comes to you and says daddy I want to be a girl and you just let him rock with that he's five he said if you let this five -year -old decide to eat candy all day he's gonna do just that when did it become a good idea to let a five -year -old or six -year -old or even a twelve -year -old make a life -changing decision for themselves he cannot drive a car yet but he can decide his sex.
The Bill Simmons Podcast
A highlight from Part 1: USAs World Cup Collapse, Basebrawls, Jets Optimism, Life in The G-League and The OC 20 Years Later | with Gabe York and Zoe Simmons
"Coming up, an unexpected two -part podcast cameo from me. It's next. We're also brought to you by the Ringer Podcast Network, where we turned over Sean Fennesey and Amanda Dobbins' big picture feed to Brian Raftery. It's a narrative podcast called, Do We Get to Win This Time? How Hollywood Made the Vietnam War. You can find it on the big picture starting on Tuesday. And it is an idea I'm really excited about because it came from a class that I did as a senior in college in 1992. Me and my friend Horgs talked a movies professor into doing a special Vietnam War movies class where we watched basically every Vietnam War movie that had been made up to 1992 and then tried to write a big picture term paper about it. And the thing that was really fascinating about that class and something that stuck with me was just that whole concept of Hollywood reinventing the entire Vietnam experience under the premise of, Did We Get to Win This Time? So we got Brian involved and he turned the idea into an awesome, awesome podcast. I even went and dug up the term paper that I wrote 31 years ago. I thought it was gonna be horrendous. It wasn't bad. I was kind of proud of myself, retroactively 31 years later. Anyway, Do We Get to Win This Time? How Hollywood Made the Vietnam War. It is gonna be in the big picture podcast starting on Tuesday. So that's one piece of business. Second, new rewatchables on Monday night. It is the 300th movie that we've done. It's a special one. We're doing National Lampoon's Vacation. It was time. Meet Chris Ryan, Van Lathan. Yeah, and Van was pushing for it because we wanted to do Christmas Vacation during the holidays and you can't do Christmas Vacation. If we do National Lampoon's Vacation, super fun. Can't wait for you to listen to it. And we'll be running the video at some point on the YouTube channel, youtube .com slash Bill Simmons, where we put up a whole bunch of rewatchables podcasts in case you missed it. Boogie Nights is up there now. Goodfellas, Independence Day, just a slew of them. So if you're bored and you wanna throw on some rewatchables and watch us make fun of each other, there you go. Last but not least, I don't wanna say this is the most important, but it's certainly the thing I spent the most time on. Our documentary that we did about the G League with Religion of Sports and Ringer Films, we combined, and it is premiering on Tuesday, August 8th. It is called Destination NBA, A G League Odyssey. It's really good. We immersed ourselves into the G League season. We followed Scoot Henderson, Gabe York, Ryan Terrell, Mason Jones, and Denzel Valentine. And the big question was, what is this world like? What's it like to be in the G League? And I am really proud of where we landed with it. And we even have, much later in this podcast, Gabe York is gonna come on. He's one of the five that we followed, and he's gonna tell us what it's like as you're holding on to your dream in your late 20s. We try not to spoil the doc too much with Gabe, but I really liked him. He's probably the guy that jumps out of the doc in the most sympathetic way. So look forward for you to watch it. It is prime video, Tuesday, August 8th, Destination NBA. A G League Odyssey. You love basketball, just watch it, it's good. So there you go. This is gonna be part one of a two -part podcast. Gabe is coming up later. My daughter Zoe Simmons is coming up later because we did a whole bunch of OC stuff on the Prestige TV podcast. I was even on two of the episodes. But I ended up watching season one of the OC. And my daughter was watching with us and loved the show. And she was born a year and a half after it premiered. So me and her broke down season one from the perspective of what is it like when somebody 18 watches the OC, a show that is now two decades old. The anniversary was actually August 6th. And what she liked, what she didn't like, what people aren't doing anymore for her kind of audience. And we just dove into it. So that is much later. First, coming out of the gate, I'm gonna open a six -pack because we have a lot to discuss over the past three weeks, all the stuff I missed. So that's gonna be part one. And then part two, which is gonna go up later on Sunday night, me and Rossello doing this evergreen idea that we've always wanted to do. And this seemed like the perfect time because nothing's happening in basketball. So that's gonna be part two later tonight. Part one coming up. First, our friends from ProJax. What's up? All right, I'm taping this. It is Sunday afternoon Pacific time. And I'm gonna open a six -pack. There's a bunch of stories in sports and culture that happened over the last three weeks. I was just writing stuff down, things that would have been fun for podcast segments. I was just like, man, I wish I could have given my thoughts on that. Just gonna rip through them. So I have six and then maybe a couple bonus ones at the end. The first one, the biggest one, was the US women's soccer team, which lost today in penalty kicks to Sweden, scored zero goals in the last two games, scored one goal in the last three games, and that was off a corner kick. You could feel from the beginning that something was off with this team. It was all the ways. You knew in a checklist of what are the red flags? There were just red flags galore. And the only person who was really calling it out in time over and over again was Carli Lloyd, who was doing the Fox studio show. And she was the one person in the horror movie who knows the house is haunted. And everyone's like, shut up. You're not being patriotic. You just wish you were still on the team. She was right. She was right from the get -go. This team, you could see it before the Vietnam game when it was like, look at the new Nike suits. Look at these new suits. And they're all like styling as they head into the locker room. And they're running commercials. And every player has a commercial. There's players who've never done anything of that commercials. And the vibe was just off. They only beat Vietnam three -nothing in a bracket where goal differential was gonna be super -duper important. And that was a huge red flag. And we did the usual thing that we've been doing since 2019, 2015 of, oh, well, they almost scored a bunch of times. Oh, well, if that had gone in or some bad luck. There was just an arrogance to this team. Like they were carrying themselves like the defending champs, the same way like the Denver Nuggets would go into next NBA season. Like we're the champs. I was like, yeah, you are the champs because the season just happened. The World Cup happened four years ago. Everyone's four years older or wasn't on the team. And you could see they wanted to build the team instead of around the identity of, here are these new up and coming awesome stars that are gonna be in your life. They were really latching on to Alex Morgan and Megan Rapinoe. Alex Morgan's 34, Megan Rapinoe's 37. I think one of the differences between the discourse with women's sports and men's sports is that in men's sports, we grasp for angles. And if somebody is disappointing in some way, we really go nuts. Like think of how James Harden's been treated over the last 12 years. So he's one of the 35 best players ever and has taken just an incredible amount of shit. Oh my God, the playoffs, look at his game log. Oh, he choked again. Alex Morgan, who scored twice in her first two games in the World Cup in 2011, she scored once in 2015 in seven games. She scored six times in 2019, five against Thailand in a game that was 13 to nothing, one in the other six, and then scored nothing in the four games this time around. If you take away that Thailand game, she has scored two goals in the last 17 World Cup games. This is the striker. This is the one who's supposed to be the most dangerous player in the field, who's supposed to produce goals. And she hasn't produced goals since the mid 2010s on the national level. And yet it's Alex Morgan. She was supposed to be the next one. We got to keep propping her up and pretending she's a superstar. She's not a superstar. She's really honestly never been a superstar. She certainly hasn't been as impactful as somebody like Abby Wambach was. So you have the team built around her. She's got to play. They play her the entire game, game two, the entire game, game three. She plays like 95 minutes in this game today, and they don't score goals. And the announcers just won't talk about it. It's like being on an AYSO team that your kid's on, and the coach is playing somebody at striker, and everyone's like, why don't they play Sally at striker instead of the coach's daughter? It's like, oh, you know, the coach's daughter. She's got to play there. So you have that, and then you have Rapinoe, who's 37 years old, who's just, unfortunately, great career, legendary, true legend, huge big time player. And when you hit your late 30s in soccer, it's a wrap. She looked like Yudana Rapinoe, not big Rapinoe, and comes out for the last 25 minutes of this game and can't do anything, and then misses the penalty kick. That's the thing. If you're beholden to past performance, you can't expect to succeed in the moment. And I did feel like, what were this team's strengths? Speed. They had Sophia Smith, who really was bad the last three games on the left wing. Like, she just, she couldn't even connect passes. Trinity Rodman, who's a beast. Lynn Williams, who's super fast and athletic and had some really nice moments the last two games. And then Alyssa Thompson, who's the prodigy, who's the, you know, potential tiger or LeBron of this team. 18 years old, best high school player I've ever had. They won't even throw her out there. But this was not a team that could connect passes. They weren't, like, especially creative. The coaching was just bizarre, and we'll never see that guy again. But it was like, the one thing they did have was speed, especially the forwards, and they just threw that away. And Alex, you know, couldn't do anything. So now they're out. It's the most disappointing finish of the last 25 years for the women's team. And it reminds me in a lot of ways that 2004 Olympic basketball team that we had, the USA team. And I tweeted this, I think after the second game, because that was a team that was between eras, like this one was, where all the best players on that 2014, the ones in their primes, weren't that good, except for Duncan. And Duncan was completely banged up. He'd played so many NBA games the last couple of years. I think his knee was hurt. But, you know, it was Iverson and Marbury. The talent, it just was a between eras. And you had guys on the bench, like LeBron and Carmelo and Wade, who were four years away. Kobe wasn't on the team. And it just felt generationally, like we caught that team in the wrong time. The style was wrong. And we learned all these lessons and we moved on. 2008, we win. There's a documentary about it. But this team felt like it was between eras. The Alex Morgan, Rapinoe era, which was basically done. And then you have this era coming up with Rodman and Sophia Smith and Alyssa. And, you know, it's just four years from now, we'll probably be fine. But they need to re -imagine this. And I think if you're gonna learn any lesson from this, it doesn't matter what happened four years ago. It's the World Cup. It matters what's happening now. So that's one thing. Second thing. So Jaylen Brown gets this huge contract, $304 million. Some people seem surprised that it was that much money. Chris Ryan even took a shot at it when we did our library watchables. Hurt my feelings a tiny bit. Mainly because I didn't really have a comeback. Rosella did something on his podcast about how this actually makes sense. This amount of money, when you think of how the salary cap has climbed just since 2015, and it's gonna keep climbing. And there's this world you can go into where you think about just how much everything is gonna cost in the NBA four or five years from now, that Jaylen Brown at $70 million isn't actually gonna be that intimidating. The same way we feel about Tobias Harris for $40 million now, or Klay Thompson, $40 million now. Yeah, you don't really wanna pay $40 million for Klay Thompson, but you can survive it. And I think that's gonna be where the Celtics land with Jaylen. Here's why they had to do it. They're the favorites on FanDuel right now. They're plus 470. The thing that made them the most special and has made them the most special for the last five, six years is the Jaylen Brown -Jason Tatum combo. They've been incredibly successful. The team itself has made five conference finals in the last seven years. They came super close to making the finals last year. I have now gone into the what if zone with that Celtics team where what if Tatum doesn't hurt his ankle on the first play? Do we beat Miami? They were close is the point. And when you're that close, you can't fuck around. This is not Bradley Beal resigning with Washington for 50 million a year when everybody knows you can't get past the eight seed with Bradley Beal. This is different. You're trying to win a title. You're trying to keep all your optionality open. The thing that's a little scary about it, nobody seems to totally know if he wants to be in Boston. This is something we've discussed on this pod. It's been floating out there. The fact that he wasn't happy about landing in the Kevin Durant trade rumors a couple years ago. And just in general, where the league is now, where as Woj called it, the transfer portal, where people get their contract first and then they decide what they want to do. And I think for the Celtics, they know they bought themselves a year with Jalen and they are still one of the favorites to win the title. And a lot of it's going to depend on health and Porzingis. You could also, I don't want to make the case, but you might be able to make the case that Brown had a fucked up hand last year. Cause he did. Cause he sliced his hand open. It was bleeding even during the Philly series. And maybe that was why his ball handling went sideways. Listen, you got to do the contract. It just breaks your brain. I remember a million years ago, Sports Illustrated and Inside Sports say every year they would have like a salary issue. And they would talk about these guys are making $1 million a year. And it seemed like so much money. And now where we're heading with the money, plus the NBA is the meteorites deal. The moment any of these guys becomes unhappy, what do you do? Because you're paying Jalen, let's say you're paying him 55 million a year. Plus he is the trade kicker, which the team has to pay. Right? So if he decides after a year, you know what? I'm tired of being the scapegoat. Everybody loves Jason. I'm like the middle brother of this team. I want my own team. I want to go to Houston or Atlanta. You got to trade me. What are the Celtics going to do? On top of who would want out, you don't have a lot of options and you turn into what the situation Portland's in with Deem. And then on top of it, it's so much money. It's impossible to get any sort of a fair trade for the guy. So they had to do it. And optionality the that comes out of it is frightening. I remember in the early 2000s, when the first time the contracts kind of went nuts and you would see that people get signing like six -year, $100 million deals, seven -year, $110 million deals. And the Celtics really, really stupidly traded for Vin Baker. One of the worst trades of the last 30 years for Boston Sports. A trade so bad, you knew it instantaneously. And I wrote a piece that you can probably find somewhere in the ESPN archives about it, where I compared it to the end of Thelma Louise when Harvey Keitel is running toward the cliff trying to stop the car from going off the cliff. That's how I thought about the Vin Baker trade when it happened. Then it happens and you just had this salary albatross. It's a salary cap league. And you're like, wow, we just threw away 20 % of our salary cap on this trade. There's going to be a couple of those that are just franchise killers. And whether that leads to them bringing back the amnesty clause, who knows? I wish, I've made this, I've had this idea before. I wish that they had a rule in there that if you drafted a guy, every year that he stays in the team, you get rewarded in some way from a salary cap luxury tax type thing, right? So Jaylen was 2016 draft, this would be his eighth year. Maybe like after the seventh year, because that's usually like the third contract. The guy stays in the team, maybe each year after that, he doesn't count for 2 % of the luxury tax, up to like 30%, something like that. The point is the Warriors should be rewarded for keeping Draymond and Klay and Curry from a tax standpoint, that they were that smart to draft those guys, keep those guys together. They should be incentivized, the players, to want to stay with them because there's some luxury tax stuff that the team gets. And the team should want to be incentivized to take care of those guys because it's also beneficial to them. I just wish they figured out some version of that rule. Anyway, Jaylen was always signing for $304 million. Talk to me in a year, I'll keep my fingers crossed. Next thing, I missed the running back pity party. This was crazy. The running backs all got together and they were really upset about how much money they made. And I don't know what to tell you. There's too many running backs and not enough running back spots. And I don't know if you're trying to build a responsible salary cap team in a collectively bargained era, why would you spend $30 million over two years on a running back unless the running back was awesome? Nobody even wants to spend more than $11 million on running back. So I knew that this was crazy when Damien Harris, who was on the Patriots, who I thought was really good. He's maybe not an elite running back, but a good running back, right? Somebody that if he had been on the Chiefs, he easily could have started for the Chiefs. And he signed with the Bills for like one year, 2 million. And when that happened, combined with Pacheco on the Chiefs' seventh round pick, they won the Super Bowl with him. It's just, this position's devalued. I work on this player, I've been actually working on it the last couple of weeks where I try to rank the players for blue chippers, red chippers, pink chippers, honorable mention, and have this whole point system. And so quarterbacks, Mahomes, who's the alpha of that position, he's worth 10 points. And you could even see this in the point spread. If Mahomes gets hurt, the Chiefs are 10 points, nine points, whatever, less than what they would be as a favorite. They'd switch to an underdog. And you go on down the line. Jalen Hurts, I had him as an eight. I had Joe Burrow as a nine. And you go on, you keep going down, and it's like, Geno Smith's probably a two. But then you look at some of the other positions and you have to value them the same way the salary cap values them and teams value them. Guards, they aren't worth that much. Running backs, sorry, they're not worth that much. My top running back was three points because ultimately running backs don't really matter that much. In the last like five, six years, I would say Derrick Henry was the only running back that you could definitively say, this guy almost won the Super Bowl. Like he was that good. Other than that, you know, it's plug and play, quarterbacks, it's receivers. It's much harder to find the number one receiver. Every team needs one. It's much more tangible if you don't have the number one receiver. And it's much easier to just kind of scrap together the running back position. And yet people went nuts about this. We ironically had this in the NBA with centers. You know, Vucevic, who's a really good offensive player, he signed for 60 million for three years, 20 million a year. And Jaylen Brown's going to make $52 million a year. Is Jaylen Brown two and a half times better than Vucevic? No, it's just, he plays a way more important position. You can only play one center at a time. You can patch together the center position. You could have like Isaiah Hartenstein for $8 million. You could, you know, get Robert Williams for 16. You don't need to spend what Phoenix did on Eaton where they're paying $8 and $30 million a year at center. And you don't really need to do that. You kind of feel obligated if you don't want to lose the asset. But I think the NBA is going to go this way eventually where unless it is Jokic or Embiid, the center or Bam Adebayo, it's a bonus. You could argue that was already an overpay. They gave him a huge extension. The Lakers just gave Anthony Davis $60 million a year as an extension. I would argue that's a little frightening. I feel like you could patch together the center position. What really matters in basketball is having the creator. And this was the argument five years ago with Luka versus Eaton for the number one pick. And I made this argument. It was like, go look at who wins the NBA title every year. It's always the people who have the creator. There's somebody who's on the perimeter of the ball in their hands. Even Jokic, who wins the title this year, he was a creator. He's not a typical center, right? He's basically their point guard on offense who could post up. So this happened in the NBA. Nobody went nuts. And this is happening in football. And is this where football is. If you want to make the most amount of money playing in the NFL, I don't know why you would be a running back. I would be a cornerback. I would be a wide receiver. I'd be an edge rusher. But if you're a running back, you know your shelf life's probably like five, six years. You know the money is not totally gonna be there. Now they're in this, like you have people like JK Dobbins, like, I might hold out. It's like, really? You didn't barely even play in the field. Barkley said he was gonna hold out. And then, you know, probably looked at it. And the money for Barkley is like 10, 11 million. That's unfortunately the market. So you can't fix this. They collectively bargained it. And until we get to the next CBA, I don't know how you fix it. I thought it was really weird. It felt like people had nothing to talk about. And it was like, ah, let's feel bad for running backs. All right, let's take a break. And then I'm gonna finish the rest of the six pack. All right, picking up on the six pack. We're gonna talk a little more football. I talked about the running back pity party. This is a different kind of party. The Jets optimism, which has just been stunning to me over the course of July. I have Jets fans in my life. These are people that usually have no hope and are very reminiscent of the pre -2004 Red Sox fans, just assuming the worst at all times. Why does God hate us? All that stuff. And now they have this crazy optimism based on the fact that they brought in Aaron Rodgers, who I did not think was very good last year, just throwing that out there. I wouldn't say he was bad, but for Rodgers, he was bad. I mean, we thought Rodgers was, he was the reigning MVP and we thought he was still one of the five or six most impactful players in the league. And I don't wanna read stats to you for the next six minutes, but deep balls, he was bad. Turnovers, he was bad. Leadership, he was bad. And the case for Rodgers coming back would be, well, he's gonna be rejuvenated. The Jets, New York City. This is his team. He got away from Green Bay. He's got Hackett back. I get it, but he's also at an age where we've really only seen Tom Brady succeed at a high, high level at the age that Rodgers is at. I was trying to figure it out. I have my QB ratings and I had, you know, the top tier is Mahomes and Burrow and Allen and Herbert and Hertz. Those have to be the top five. Then it drops off and it's Lamar Jackson and Lawrence. And then Rodgers, probably a hair underneath him with a chance to play himself up with those guys. But from what we saw last year, I'm not ready to put him there. So he's the 10th best quarterback in the league, probably. 10th or ninth best quarterback in the league, probably. Well, they have no offensive line. And I don't understand why people keep glossing over this where it's like, hey, Rodgers and Garrett Wilson, he's one of the best receivers in the league and Breece Hall's going to come back and the defense is really good. And it's like, yeah, the offensive line is terrible. Beckton and Dwayne Brown, sure tackles again. And then you have Robert Salah as the coach, who I cannot say I thought that Jets were crisply coached last year. Whatever he was doing with Zach Wilson was insane. No idea if that guy's even a decent coach. So I'm already worried about your offensive line, the age of your quarterback, and the competency of your coach. And that's before we get into the hard knocks curse, because for some reason they're doing hard knocks, the incredible Super Bowl hype already. And then we have the schedule, which is the AFC East has just got screwed by the schedules this year. The Jets, just for quarterbacks in 17 games, they got to play Josh Allen twice, they got to play Mahomes, Herbert, Hertz, Dak Prescott, and Deshaun Watson. And then they also have to play Miami twice. We'll see what we get out of two this year. And then a really good Pats defense. And then Denver, who knows, they might be rejuvenated. So Danny Dimes, they have to play him. It is a brutal schedule, so you have that. And then on top of everything else, you're the Jets. I was there with the Red Sox before 2004, and this is probably just as bad, where you just think the worst possible things can happen is all the time. You're not allowed to have optimism when you're Jets fans. You can be cautiously optimistic. There was an entire Curb Your Enthusiasm episode once, season 10, episode seven, about being a Jets fan. And it was called, I think, the ugly section. Nick Kroll was the maitre d'. And part of the episode was about, he would put these people in different sections of the restaurant, depending on how attractive they were. But there was this other plot, Larry's buddy who loved the Jets, kills himself. And Larry becomes convinced it was because of the Jets, that the Jets killed his friend. This was only a couple of years ago. So now they get Aaron Rodgers, and everything's good. And they're gonna win the Super Bowl. I don't see it, guys. I don't wanna step on my football stuff too much, but I'd be shocked. And Lombardi points out the defense that everybody's ready to compare to the 85 Bears. Lombardi said they had two turnovers over the last eight games last season. So that means something too. I am dubious, to say the least. If you're gonna tell me a tortured franchise actually turns it around this year, I want a tortured franchise that doesn't have expectations. Because the Lions are another one. Everybody's ready to put them in the Super Bowl or close. And the only case for them is just pretty explosive offense. They couldn't stop anybody last year. And the NFC is terrible. But that's another one where is that a fan base that should be super excited and have a ton of hype? The one that's kind of lurking that fits in this group is the Browns. Because the Browns are actually super talented. They're in a winnable division. Burroughs already hurt. And I think they're four to one to win the AFC North on FanDuel, something like that. Their over -under is, I think it climbed up.
NEXT-LEVEL RADIO
Real Estate Agent Ben Kappel Shares His Origin Story
"We have our new segments Ladies and on gents, welcome business, to the next podcast real estate, episode of Next Level Radio. We have our new segments on business, real estate, everything in between, but really being the dumbest person in the room and being able to pull the story out of people that have done much cooler things than we ever will. And so we want to introduce Ben Kappel, real estate agent here in town. And honestly it came from, I was having a beer at DePora's and just doing my research on agents and everything and your name came up. And so I wanted to interview somebody that walks the walk and talks to talk with what you're doing. And so I'll just have you introduce yourself quick, my friend. All right. Well, thanks for having me. My name is Ben Kappel. I'm a real estate agent out of infinity real estate group here in town and I'm also a real estate investor. I'm not surprised that you heard from me at DePora's. I frequent that place. It's pretty, pretty nice establishment we have here in Dickinson. So it is. But yeah, thanks again for bringing me on the show. No problem, man. No problem. We were just talking off air that I truly appreciate people that are in the real estate business that also walk the walk, talk the talk, are able to be in real estate and actually be an investor because it lends a great perspective to investors when they approach you. And so kind of go over your origin story. We were talking about it a little bit with your wife. Yeah, sure. Go over that origin story. All right. So yeah, I'm from the Dickinson area here. I kind of lucked out with our oil boom that we got. That kind of got me started in this business. You work in oil and gas and you're smart with your money and you invest wisely. And that's kind of how I how I started this off a little bit. But yeah, so I did that. I was lucky enough to get married from a girl from Denver. Got her to move up here. And she had a house. I had a house. And that really kind of kick started the the investing thing is she was like, oh, let's sell this house. Let's get rid of it. You know, the Denver market at that time, this was, you know, 10 years ago was booming. We were seeing double digit appreciation every year. And everybody was saying, well, that's not going to last. That's not going to last. So get rid of it. Get out. Get out. And no, I said, no, we're going to we're going to put some money in this place. We're going to fix it up. We're gonna put it on the rental market. And lo and behold, it's still doing great. Awesome. And that kind of kick started my journey a little bit. And then getting advice from other investors and things, too. I don't know. I'm sure you've read of Rich Dad, Poor Dad. Oh, yeah. Where you get the two different versions. And that's kind of my life, too, where I literally I'll get one person to say like, no, don't invest. I'll put it all in the savings account. Do this. Do this. And then my cousin who sells real estate in San Diego will give me the Rich Dad advice. Like, what do you what are you doing? Put your money into real estate. Like, it's it's a great investment. Do this. Here's the program. Here's what I do. It's worked for me. And they told me that, you know,
Denver Real Estate Investing Podcast
"denver" Discussed on Denver Real Estate Investing Podcast
"Dan. What up denver chris lopez steer and today. We're getting another deal analysis on a house back with an in low high so a cool property with some really cool exit strategies and ways to rent it out as well so my co host is lauren valentini lauren. Good morning how are you doing. Hey dan good to be here today. I am glad that'd be back in the studio so this is a deal that you worked on put together a couple of words. What was it you like. I love this month because it was a cash. Flowing highlands deal Well those are all the time out there which is really exciting to find a beautiful old vic taurean home all the hot spots where everybody wants to be that when we run the numbers you can be pretty impressed with the cash flow and and our our guests and investors property. Is brian alpern. Brian good morning. Glad to have you in here. Good morning chris. And i'm excited to really dive into these numbers. 'cause your background you've been underwriter you've been in private equity so you're going to have a really good handle the numbers. So i'm excited to dig in the spreadsheet with you and run these snakes. I know you did your due diligence some site the pick your brain so to sit up giving you on the background about who who you are. Brian sure thanks. Chris so i started my career in commercial. Banking had had touched dictionaries within lending but but did a lot of commercial real estate in california You know number of Large commercial real estate projects in san francisco and the bay area and then transitioned into private equity originally on the real estate side Doing historic rehabilitation around the country. So these are historic buildings that we would go in and renovate most recently have moved out a real estate into renewable energy and came out to denver to to build a renewable energy office out here but still still have a lot of interest in in real estate and so On the personal side of have been you know getting involved in denver. Great so you've got background and some really big projects. Which i'm sure there are similar to how stacking but probably lot differences as well. So why. how sacking..
Denver Real Estate Investing Podcast
"denver" Discussed on Denver Real Estate Investing Podcast
"A lot of damage to the property is usually pretty quiet. Just of exactly your target market so thirty five year old traveling nurses that worked out task. Perfect for us all right so One unit this is a primary residence down payment three percent right. Yeah so three percent conventional which is This is a unique program. Lorne tells a little from us. We're not to mention this throughout this branch. Because it's the financing is pretty cool on this so we were able to use the bank of america grant program this allows to separate grant programs so you get ten thousand dollars towards your your down payment that you never have to pay back. And then it's also seventy five hundred dollar grant that goes towards your closing fees and again you never have to pay that back Really it's just a income requirement. Save to make less than one one fifty a year which is most people and then the secondary loan is dependent on location so dependent upon how much income you make. It's on a scale of location where their poppy has to be. It needs to be in like a moderate income track or a lower income track so this property fell and the proper area for them. They get that secondary loan program. That was a good explanation. Very yeah it's a complex so all in all at seventeen thousand five hundred dollars. Free money that you get to use toilets here payment so three percent down mortgage insurance. What's the deal with more insurance on this. Then they also have a program that there is no property mortgage insurance. The rates are extremely competitive. Which you'll see when we put that in there and it's you know you keep asking yourself you know what's the catch you know. You're waiting for the other shoe to drop but we have quite a few clients that have used this. That are very numbers driven and eight compared conventional loan programs. I this and it's come out that you know no no pm..
Denver Real Estate Investing Podcast
"denver" Discussed on Denver Real Estate Investing Podcast
"Just like like man like i think the governor we should reach out to you and you know at that point. We had our first conversation with lauren. And you guys were saying we. We expressed our in our wants for a duplex. And all that. And you're like that bubble to find something like because like in california like lot of people that i buy undervalued properties in a higher price neighborhood. You know put some money into it and get a great return it after you've refinanced like the hct strategy works really well there but when he came here yeah. It's pretty tough to deal especially if you're trying to like conserve capital doing on a budget. It's tough so. Then you're you're a big proponent of like the room by room thing so I was totally open to that. It was definitely tough getting her couple. What was because usually the guys are much more receptive to it. Yeah so i was like you know throughout the like. Hey like you know this. This is the strategy of learning about the works. Really well here in denver out. I think so i was like no no way. No i'm done with roommates. Were done but then what was like hold on because he knows i'm a numbers person. He knows i can get it. And he just showed me the difference would take between your spreadsheet what our numbers look like an returns. Now's like okay. yeah. I can sacrifice that is an insane amount of returns. And it accelerates our goals even faster. So i like you know i was like three twos and stuff to just like living for easier to fix it up and then just ran out right afterwards and then i was also like you know messing with the whole like four bedroom five bedroom and then the opportunity of options like that was the thing that i wanted to like. Not just pick one house and a half to work one to buy bigger houses. Was you know a lot of them. Have basements all the time you can either like separate and two separate units or you could do room by room those option. So am i. I think that helps you a little bit. Doesn't have to be like every single room was rented out like we could just do one downstairs. You know keeps some privacy and you really start open up to it and you know when i saw the return i couldn't help myself way. Nubile townhomes and stuff which was awesome like. I am kind of a handy person. So i don't mind doing work on the house in like i do. Get some enjoyment out of it. So you know wasn't necessary to get a brand new builds for me. Because a lot of new builds best i could find was something that was breaking even and you know that worked for me but i was like you know the whole risk. Were risk. i award thing was like you know. It is a bigger risk to take on like an older house. You know that doesn more work but you know by the spreadsheet the reward is much much greater so and this is exactly you know part of the process set that we do here in our team does..
Denver Real Estate Investing Podcast
"denver" Discussed on Denver Real Estate Investing Podcast
"Rents i'm sorry give you need. It makes up. I six two bed one bath and their six three bed. One bath properties so the current renter about one thousand fifty for the two beds about eleven fifty for the three bedrooms performer rents after the renovations about thirteen hundred and seventeen fifty so that would take it from an average monthly run about thirteen thousand current but eighteen thousand pro forma type a five thousand dollar swing right there in renting freezes so gross annual renter about one sixty currently or about two twenty in their pro forma and i got a bunch of rinse on here for garage storage utility reimbursement potential income. All that stuff it stays about the same as a lot to cover the podcast right here with all these other numbers but understand. We're comparing current to perform on a show that value add and how much money equity can in these properties so we go through all the underwriting hair for expenses. The current net operating income is about ninety three thousand dollars. That's the current rents mice occuren- expenses now once you have a up to rent it or up to market and it's operated more efficiently your net operating comes about one hundred forty six thousand dollars. So that's about a fifty thousand dollar swing right there. That's great from for two perspectives. Obviously she got more cash flow but then also the way property value that increases the value of the property single out there potentially and plus money in refinancing. Now if you go out here and buy the property with debt a few examples here because a lot of times you buy with commercial union interest only period so currently if you buy buy this property at interest only cash about thirty one thousand dollars year current expenses if it was principal interest near one you'd be a negative five thousand in cash flow so again.
Denver Real Estate Investing Podcast
"denver" Discussed on Denver Real Estate Investing Podcast
"So it's just another thing consider on here. So as investor need put down fifteen to twenty five percent as a house hacker the same zero five percent down options so this property overview. This is actually new billtown home that pressed in newbury purchased. I think back in september or so. It's near denver university. It's a three bedroom. Three point five bathroom layout and so all these new bill townhomes. Pretty cool The first garage Entryway and then bedroom with a second floor is kitchen. Living space living room third floor is like the basic to master bedroom's so every room has its own bathroom which rousey command more rent and help. If you're doing a room by room rentals well suppressed and got his for about five hundred sixty thousand dollars and then all of the same underwriting on here so as a twenty percent down landlord you'd be all in for about one hundred and nineteen as a house. Akra about forty three thousand dollars. Net a capri on this four point. Four percent the cash flow when you move out or as a landlord investors about five hundred five hundred dollars a year as a house. We've out about native thirteen dollars a year about native one hundred dollars a month so both of those are considered about a break even because we just have underwriting in here and to both of these do include a ten percent property management fee. Now let's talk about condos. Now condos are probably. The trickiest wind comes to financing for owner occupied house akers but they typically offer the highest cap rates as well the sweet spot for condos or three bedroom two bathroom places we buy majority and second areas like lakewood westminister and after that it's all over that but aurora is definitely the hot spot for condos. It's just a great rental market and a great price point as well and those kinds of need five thousand dollars or less of rent costs a lot of times. You know maybe a new furnace for some new windows or some handyman stuff very minimal so as a landlord just assume twenty five percent down. For thirty year fixed there are some weird underwriting rules railways that often can cause issues to make sure with a lender one like joe mazza knows. Hoa's because they help us win deals all the details but just assume a twenty five percent.
Denver Real Estate Investing Podcast
"denver" Discussed on Denver Real Estate Investing Podcast
"Bought by house hacker beginning of quarter four purchase price was four hundred eight two thousand dollars. Some will go through to sneers on here. A landlord investor at twenty percent down and a house accurate five percent down twenty percent down. You're in there for about ninety. Six thousand dollars as a hal sacher about twenty four thousand dollars your all in cost about one hundred thousand dollars for the landlord about thirty five thousand dollars for house. Hacker assuming p my was paid up front premiums for both at ten percent. Rents for both places should be about thirty to fifty month again. We're being realistic on here..
Denver Real Estate Investing Podcast
"denver" Discussed on Denver Real Estate Investing Podcast
"A property for a year and a lotta times out and convert to rental property now. I analyzed properties as a house aker. I'm looking at that assuming they've already moved out. I'm not gonna go into data about while they're living. There might have a roommate or truman's with roommates. That's not necessarily. That's not a long term investing. That's just reducing their living expenses at that moment and allows him to save for next property. So i will go through both of those and for most house. Hackers putting zero to five percent down. Va loan zero percent. Fha three and a half or conventional and five percent. So let's start with the tach single family residences. So i always like to clarify tach means. There's no attach wall says condo multi unit and not a town. Home is a house that does not touch. It's neighbor's homes. So if you think of all the house suburbs those are detached homes and these generally have the lowest cap rates a lot of times like you know like a low four. Hi four percent right now and that's assuming with a traditional rental lease now. There's two caveats here. We can get the cap rates up. One is by utilizing the room by room rental strategy. And that's where let's say. Buy a house most people now to one tenant so you know one family moving in there or you can run out to multiple people. We're not room one room to room through him for five and so on so our house akers do that mother living there and once they move out very few investors though do because. Here's why it's a lot more management work. We have not been able to find any good property. Managers actually managed room by room rentals. If you are wondering no one please call me. We'll become really. We'll become friends really fast this way because we live investors interested in this. The other thing is depending on what part of town. You're in a lot of the policies do not they have certain rules for how many unrelated people can together and so every town is different. And i'll go through a couple quick charts here because this is Something actually jeff white semi while ago from denver. Some denver commission or some denver. Study so right now. Denver in inglewood are at two unrelated adults living together so really harder at room by room that strategy. If you wanna stay within the rules some people do some people. Don't that's entirely up to you to understand the risks award ratio. Now people allow three boulder. Commerce city for collins littleton we ridge four aurora brain golden northglenn thornton west minister five or castle rock colorado springs languid longmont.
Denver Real Estate Investing Podcast
"denver" Discussed on Denver Real Estate Investing Podcast
"You have zero control or this and paying down the principal. The law control over that he can pay more down mortgage. But it doesn't make sense to put a lot extra towards your mortgage when you're barring costas three and a quarter now. The third way is to go out there and add value to properties so the common terms out of here are funding value add properties or the principal the by rehab rent refinance repeat strategy and. That's the term that bigger parkas made very popular last couple of years so a common a very common question is can i bur properties in denver. Right now i don't say no. But the best thing say is extremely extremely extremely hard to do and just comes down to market fundamentals. The burst roger works really well in opposite marking missions where we have a buyer's market right now in our sellers mark. Go back ten years ago. When a buyer's market that was a perfect time to burg. Because you go out there and find a bunch of properties with numbers would work on their. But now there's such low inventory you're not be able to go out there and find a great property with enough margin on their to go on there by rehab. It rented out and then refinance and pull out all majority or capital now. It's not impossible. People doing it for the people doing in the single family residences these. I called fresh leicester's they've got the been established for a while. They've got their marketing campaigns. They got crews got their acquisition people. Then go out. There make deals happen very quickly and be aggressive. But they've got a business they can read. And it's there fulltime operation to find those deals now for a part-time investor investor with the job family business or a new investor. It's very hard to find those deals. Now do talk to people like potential clients. Were found this amazing property. i'm burning. I'm doing something wrong with you numbers. I'm like oh. Well sometimes i tell us some don't depends on my mood. I'm like yeah. That's that's a crappy. Birlik those numbers don't work like you're missing all the stuff out there and for someone out there with very little experience and not that marketing ability go out there and find deals extremely hard to go out there and and find a proper you can burr in denver so i put burning single family homes as the hard strategy right now. In denver. I think flipping is easier than during right now. I'm doing neither of these actively myself. But i've talked to a lot of people and while flipping is still tough. You have more properties out there and make sense as a flip versus a bird because a burr yet margins that makes sense and still has to work as a rental property on the refi on takeout refined the back end. Where a flip. You've got the market raising your prices out there. So you know you don't need to worry about. Being a good rental properties have more products out there that make sense as a flip now to find burs or this is more commonly used as value. Add plays to five plus multifamily space..
Denver Real Estate Investing Podcast
"denver" Discussed on Denver Real Estate Investing Podcast
"Tell it everything is wide left for like not even. That long shouldn't have done that but at the same time. They taught me a big lesson. I loved and then one of the roommates wanted to do his laundry and so then he liked hold myself out of though drier and these are like my delegates like i don't like you like grabbing my my hanney's like no so i and like my basket is full of off and it's all join. It's just all in there and it was like. Oh my god been touched all my shit like they just look sorry if i cut. They just look through like we saw my got. No we have to know. And just like what's the big deal. It's a big deal for me. It's a big deal. I'm gonna people putting their hand closed whether it's wet or dry it doesn't matter like don't touch my stuff so we decided to resolve that issue. Calm down we decided to just days and it was still simple. I mean we just think about some things until it happens to you but we just decided. Okay let's have everybody pick a day or even two days if you don't have minute roommate's room and you can say okay. You have thursday. Friday saturday sunday or whatever you want and then if you don't make it one day then you can do the laundry the next day and never again have i had to deal issue. Fine dan version to no big deal. It's still talk to him instead. It's not a big deal. i didn't understand the obviously. Men's clothes are know way. Simpler not is nearly as Delicate you thinking now ever. Since we resolved created the days for laundry it's result perfect. Yeah ever finding solution Like everything you've been saying. Sue is is easy like just. It's everything's figure out you can figure out anything. It's just coming up with a simple solution. I mean we're all absolute and it's gonna pay off a small little tweak. Jeff would you say your answer would be the same as your most challenging guest experience way on that one of the people most challenging. It wasn't a roommate. I would say just a couple That door funhouse again going back to that. Basically when we did this she mentioned earlier. We did switch. We bought the rent byron people downstairs upstairs and we got rid of the people. They did not renew their lease as my first time. Not renewing a lease and it was a mess. It was basically At the time when they moved out probably fifteen people living in a three bedroom. Two bath lace Another seven eight kids something like that. The i know it's fair and just he can imagine how much damage can do to a place. Luckily they had a pretty high studio basel which had pretty much ninety five percent to cover destroyed a brand new carpet after two two and a half years. They destroyed at burn. Burn mark on fridge. Door jams The whole dora holes in walls for some reason stickers from the kids Triples hardwood floors throughout otherwise that carpet. All that the whole upstairs have been had to be replaced because of how bad was in that one room that the laundry daily news brand new it was completely replaced. That will entire. That's how bad it was so that that was my word points and right before he moved out all attended below the read by people usually more laid back. They complain to me. I got text message. Phone calls emails multiple. a last. Few months is more complaints about noise and dana. Dealings cussing at each other. Sometimes even picking fights like mccoll coster once you go down here and taught us so a student. I lay down nothing we could have done. Yeah that's kind of please. The adult and they did dry talk. Each other at least try but the tended above the The family they just didn't care unfortunately she just said let the kids run around. Shoes offer never listened to anybody now So that was my worst. Is that more complaints and that two and a half three month period before they moved out soon got all that properties all other tests to bind house on resolving by announced. Y'all search guys. There is a saying that the dom i hope need from the constant improvement of the kendall So sometimes you really just have to switch things completely but we decided to do. Because i said jeff okay if we get another family in there you're probably gonna deal with the same issues so we can't just say okay. This family is quieter than the last. Like it's gonna happen. Kids are going to be kids. We can't stop them spine. Like let them live their way plus all the pandemic was going on so kids. Were not in school so there was just noise. Twenty four seven. But we did. Let's just flip flop. It only rents valley downstairs and do room by room upstairs. Problem solve incense since we did that. Receive one complaints. I mean the rest. I broke people. The dogs really happy to be leaving within where they're at and it's worth down beautifully car situation. You can imagine with fifty eight adults. Whatever said plus the rent room people is like leaving cars out there so it after that now squeezed down to just basically four cars which is more normal for that neighborhood. it doesn't draw attention like you can imagine what i'd finding my posted ads on our basic marketplace at burnley neighbor china. Then saying thank.
Denver Real Estate Investing Podcast
"denver" Discussed on Denver Real Estate Investing Podcast
"Like where they grew up. Possibly but i'm not gonna stereotype any sorts of people on the podcast. Of course however i this all comes down expectations so guests that are normally staying in hotels. Were they have full service. Someone takes their bags. Somebody parks their car. Somebody brings their food up. Somebody cleans their dishes all of those things the different experience than being an airbnb in staying in someone's home and you know maybe everything isn't five star. You know maybe you have to jiggle. The handle any flushed the toilet things like that but So i knew at the very beginning that we were going to be hearing from this guest every day and it wasn't going to be a good thing i can just tell when he was walking in so ben grabs his bags and walking to the gay and he goes. Boom gay. doesn't watch all the way. And so okay it does you just have to give it a little push bench carrying all of his bags in so the gentlemen grabbed the game. Like okay you at that deal milwaukee on the back to the entrance. In making conversation he goes. Well it's a nice fence. How much did it cost okay. I don't really remember but anyway this right this way just kind of odd conversation and though we get inside and just kind of strange character but that's okay and he's oh this is nice loved him do it didn't hear anything and the next morning then left running errands or something like that. In the way our india's set up is kind of back corridor. We have a window where the their stairwell is which looks into our area. That's covered by a set of blinds. And so the just kind of our privacy. People aren't really hanging out in the corridor. It's not a big deal but anyway i'm sitting there eating my breakfast. Inner little breakfast napkin. He poses head through the blinds through the window. hayward and mike good morning did he did. He want calm thinking coming to so immediately that i made me a little upset. You know like respecting people's privacy. We're not gonna go into your area. Don't come into ours if you need something. Send us a message. Will respond right away or knock on. The door will respond right away. Gladly if you can't get a hold of us than bang on the door running. But so he's poking his head drouin stretching out the blinds and he says in. I said well he's out at the moment. Is there something. I can do to help you or help help you. Then he says yeah. There's just a lot of things wrong upstairs in Need to talk to him. I said well. Actually i'd be glad to help you. You know i'm actually the host. So what's going on. And he says well the times just unlivable and instead okay. Are you trying to sleep on a ton or trained. What are you trying to do. Whatever and he said. Oh i'm not sleeping on it. But i just can't sit on it it just it's not comfortable. It's unbelievable okay. But maybe there's a spring it's it's not the greatest time in hawaii world great. It's louis got a new mattress than its descend. We've never had a complaint. Okay we have one complaint before that. It wasn't the most comfortable to sleep on. Billy hadn't gone replacing it so at that. Okay let's legitimate. We'll see do something to make it more comfortable. We'll send him up later. Earn we'll take it. Is that okay and he was. Also you know. It's really unfortunate. There's a step that goes up to the bathroom while unfortunately let's structural can't really change that but we indicate enlisting that you'd have to climb stairs in order to get to the unit so puppy saw that you know hope the first twelve stairs weren't issue compared to the one step to the bathroom but not really something we can change you know so he just went down a laundry list as he's poking through my window which already a little bit about several last thing he complained about was a big so we have a kitchen table with the drought. Leave the safe-space. Most people come in it's couples or two people staying when there's two people staying we know how many guests are there but to turns out the drop. Believe push it up to the wall to give more space to chairs in the corner super simple to owls for pillows. Whatever so he knows a couple of staying there so we haven't set up in. He says you know you really should set this up as a formal dining room table pushed against the wall on those chairs. Just pull it out. It would look so much nicer. I don't know what you guys are doing. Or whatever and i said while walking do that you know. Make yourself at home you know. Just this laundry A weird complaints things that are easily adjustable. Blinds aren't clothed okay so anyways i was livid because he invaded my privacy. First of all in his Picking list but Such a break is there will be chattan little bit. We'll figure it out. stepped away and talked to bed in a nice said. You know what. I think should just minutes Time but we need to talk to him about his expectations in. I send messages that. Hey let's have a quick chat whenever you get a second. We'll figure out the food time and he came down. And i just said you know. Look you're in somebody's home. You have to respect our space. And i think we need to adjust our expectations. You know you're not. The risks were not charging ritz prices very affordable price. For what you're getting. It's reasonable and is you're not going to be comfortable here. We're glad to refund you for the rest of your stay. We want you to be happy and ono it slowly. Everybody's lovely everything's great. I just wanted you to know these things that he went through them again. Of course and so long story short. We went out bought news time that american furniture delivered installed were you when you went out and bought a new food town just for him. No we needed a new anyways. We just hadn't we hadn't gotten to it yet. It's a big purchase cheap right and he was going to be there for ten days. So i'm thinking okay. Thirty divided by ten is how many days of the mortgage that he's going to be paying for like maybe now's a good time to go get sutan. And maybe he's pleasantly surprised by the fact that we go out there and we brought by. John probably complain about something else but at least we did our best great. What was his response. 'cause this is amazing. Amazing customer service on your to do list have. Let's just go and get off to list and maybe shut this guy up. Yeah voting delivered it and installed it like dennis red carpet treatment like what was his reaction. Was it grateful. We didn't see them to wear but did send a message to his wife. His wife actually books so she court Corresponded to add. And i actually didn't see her much person so with ben person with the app and they weren't around so we install that we finished a grain. You've got a good deal of fine. We needed to buy it anyways. And so i sent her message that. Hey it's it's in there you know. Hopefully you guys are much more comfortable now. Yadda yadda and she said a message. That thank you it's lovely. We really appreciate it. So she was lovely and In we didn't hear much from him the rest of the same. They loved a great review. They let the nice a nice note in our guestbook He did follow up with ben on his way out and said you know it.
Denver Real Estate Investing Podcast
"denver" Discussed on Denver Real Estate Investing Podcast
"Chris lopez here and welcome back in the podcast episode where we are doing our our six how sacchi mastermind co host. Benign bar will confirm. That ben is this. Is this six or five. This is six right. this is number six all right. So we're we're lucky number. Six and bands got. I think a little different agenda today and so before we kind of jump into that and we turn over so we got our other co host. Jeff white with us jeff. How's it going stolen. Excellence happy to be here. It'd be nice to reverse the role here in navarre ladies takeover and access. Ask who okay. Well let's maybe even the script and we can just take ben's agenda throughout the window you bet no so. Actually it's going to be cool. Show we see lake up. so jeff fiance. How's it going. Slake that tastic operative you on the podcast. The and so we wanna you. And also allison's of ben's wife. How's it going great. Thanks for having me a corrigan. So we wanted to bring on just as much input from the ladies as possible from their perspective. How sacking. Because i think allison's acre tagline her bio great where she's a self what your former house addicts. How sacking skeptic that what you call yourself. Yes yes turned advocate. Yes now you guys just closed on your second place. I think what the last couple of days. Yep yep and the process of closing on there so wanted to kind of get your guys as here as well so we can get your. Yeah your input so ben takeaway man. What's the agenda awesome. Well i for those are are listening. And not watching the audio. We're actually recording this in our empty house. We just finished moving into house. Hack number two. But we're still waiting for internet. Get set up so that's why we're emphasizing and we're actually recording this through a now clean. How sack number one and on top of that super excited for this recording. I've been looking forward to it. Ever since we met evidence suggests sue lake analysis. All old town are vata and had a few years. And i know like i think if would've just recorded while we're having those beers that could that could have been a conversation of its own podcast of its own. But yeah i'm i'm super excited Actually when we're going to do a little something different We have some questions where i want to go over and just going to ask a couple of to alison. I'm going to ask a couple to salako and go from. There is going to be a good time. All right cheers..
Denver Real Estate Investing Podcast
"denver" Discussed on Denver Real Estate Investing Podcast
"That's great pretty amazing. So yeah this is just a great deal. We wanted to cover because the numbers are phenomenal. It's a low price. Point is unique loan program. And i mean the barking dishes were a couple months ago. They write tough back then. Tough now but you've got the deal got in at the right time. A couple of things. I did want to mention is that he did us. Down payment assistance On this so that does need to be paid back if he wants to use the property as a rental so his plan is to do that over the course of the next year to eighteen months while he's saving money because he's renting out his spare bedroom he's going to have enough saved up to toe hopefully be able pay that back grief And then the other thing is just looking at this key was paying. I think nine hundred or a thousand bucks a month in rent and his mortgage now is a little bit higher than that about twelve hundred with all in and so again renting out a room. He's already decreased what he was paying in rent. Buy almost half. So is this plan to do this. And then once it's been on paid off and saved up go out there and repeated again exactly i mean that's i mean that's good for him and this is i mean these numbers they work so if you guys want to get creative out there we on the market stuff but you're able still go out there and get good deals done. That makes sense in the big picture of your investment profile and also just you know what we have going right now in the denver market as well any final thoughts just that house hacking is creatively. We're looking for deals and everywhere we ran so it's not always the five bedroom house that you are renting out every room that you can do it with a two bedroom condo great stacey thanks so much thanks chris..
Denver Real Estate Investing Podcast
"denver" Discussed on Denver Real Estate Investing Podcast
"Hey so now. I have amory sunday with legacy property management on and it's bad i think three months embry so we're gonna go back and kind of catch up on some. You know how rental payments have been the last couple of months. We're just coming out of this crazy freeze. We had mid february. We'll talk about the updates on there and plus you're very active on the legislature front legislative front as well so we'll get some updates of that but let's start off with just how your portfolio and how your investors portfolios them performing the last two or three months and you are predominantly like the tat single family homes and you've had some amazing rink collections. But that was three months ago. He's still hundred percent still hundred percent. Wow i got great tenants We're we are kind of deciding maybe not to take the lower condos i i don't wanna say they're lower end but lower price points Just so that. I don't have to deal with Some of the new legislation. That's been put into place now but yeah we are still one hundred percent in tenants are cooperating communicating. There's plenty of money and plenty of resources for these tenants. So there's really no reason For them not to cooperate in getting their rented. And i remember. I mean so i think a lot of times you have. A lot of them are good positions where they can just work remotely for their job and beyond that. If you had many that use like a pop programmer these other programs help. Help pay for rent her background. I only had one That that utilized pop and actually the owner applied for the pop in the tenant cooperated a shame because we leave to lead sources. This literally is a source where the government has money that will give them wrench and they think we're lying. Even the attorneys will say they like we are in an eviction. Here's a place where you can get money free and it will go on your record and they just think no that can't be true. Yes so It's unfortunate that the pop- program while there There is potential legislation to make it quote unquote better because there was an approval of additional funds to add money and at thanksgiving for tennis. That are struggling But right now if an owner applies for the top programme the tenants have to sign off. They have to agree to that. They have to do with. Cd's affidavit and that's where the tenants think that there's a game there's a catch and so some of the one owner that didn't she waited six months for her money which is ridiculous so i've reported that it into the legislative body on capitol hill. And so i have seen some drafts of it. Getting modified or changed reworked. So it's not like that. All right. And i wanna ask more questions out in the minute but the kind of circum backgrounds. Obviously you have strong rent collection only one ten and had to utilize the rent assistance. Which is great just in general. Just as far as like a leasing activity upping rants. What's kind of just to feel. You're you're having across your portfolio now. The last couple months moving into moving into Early margie yeah. It's getting into busy time for sure. We have not stopped leasing. We just had phenomenal lease month for february again Still single family homes are what are in demand. People are still moving here. People are still moving despite covid so we can't keep a house on the market for more than thirty days. They they go up and they're least within within thirty and some of them are moved in within that forty five day. It's amazing to me The condos still sit every bit of ninety days. There's not a. There's not a demand for a condo. it's not a good investment. In my opinion what part of town are these condescend for. Ninety days is that like that on the highlands ranch parker and denver now downtown condo. That's been on for ninety okay downtown. Nah we also had. Several instantaneous not really highlands ranch we don't have any condos in highlands ranch but yeah i mean they're suburbia 's definitely sit. It's you might have a little bit higher chance at wrenching in downtown but during covid downtown was shut. Shut now so nobody was renting out there. Either but it's just a struggle. That's not what's moving into denver families. I'm sarah. Because i mean definitely we now myself investors stuff and like aurora more. The you know the classic class b stuff and those that fortunately for us seeing those long turnaround times. But i think that's kind of the you know just that different mark about surprise for that long of the parts of town. Yeah you also read into a hut is very aggressive in aurora so they are subsidizing housing much more aggressively in aurora especially so It you're not subsidized housing approved. You could very likely get subsidized housing approved or get on their list So there's more susceptibility there Yeah been great. It's been still. We are very active in leasing. We are still bringing on properties houses. you know Yeah it's it's it's amazing to me how many Owners and the owners learn you know about what the legislation is or what they don't do wanna get involved with with their rentals. We get calls for that. So you know okay and something. You'd mentioned right before we hit record on amery was that You know we're recording us on tuesday. After he had that like crazy cold front that came through the drop to the negatives and you said you had five house of perp with Frozen pies hypes what happened. How can you know other investors. Hopefully help avoid that. So i sent a whole new protocol to all my tenants over the weekend actually yesterday so the plumbers are running around like with their heads. Heads cut off. Probably the same as h fat guys are thankfully. I have no heated out. But i do have. I have had two houses without hot water and three houses with frozen pipes. And it's just this. Long duration of frigid temperatures that frozen. Now couple of my tenants did all the right things was there was nothing we could do. But they opened up their cabinet doors on for the sinks to get heat in there. Some of them had blow dryers going. I mean just to keep but the big thing is we tell them you know let it drip late. Turn the water on and let it drip sleep with it like that when it's this cold any external pipes On the external walls are susceptible to freezing and the plummer said. I'm not surprised the big thing now is when it defrosts. Hopefully we don't have a crack pipe which one we just got the call it. It was cracked that we do have remediation headed.
Denver Real Estate Investing Podcast
"denver" Discussed on Denver Real Estate Investing Podcast
"Plan. They weren't welcome back to are not quite so monthly update with property managers around town. I think i missed the last two months in december and january. Maybe three months based on the face. Elliot's making that me right now. Just things that really busy and that was one of the things i love dude. I'm just takes coordination. But we're back. Dude am i i guess. Ter- ellie and devon raimondo era would property management guys. Glad to be back on the show. Thank you for evidence. Yes so it's been two maybe three months now since we chatted. So which is he no feel like an attorney with cova going on but give us a rundown. You really sense. You know thanksgiving christmas time frame house. The marketing going hauser rental payments bank going. not going. what's what's the lowdown I'll take the first piece of this like november december. We were typical normal. We had our outliers. You know the pressure was on with the tenants in the media that we were gonna get lifted. We could start ambitions of december. We did process move actions and they went through. The courts are longtime like you know people that were painted all directly your mouth out of the property. Though in january we did times in december. And then you know they always put an automatic stay around the holidays anyways even pre okay so we came into january. We have a new president and on january first it was lifted that we can start a victim so everybody started running and getting a vixen done and stuff like that and then we got an automatic. Stay again until the end of september. So our quarterbacks unique but we did get through quite a few. What we're seeing here at arrowhead is the minute. We objective possession. One or two things happen. They come and they fight us and all forums that say they recovered related or they don't show up in the latest. Move out so that's been a blessing but january was a very very rough month. It's probably the response of sina. Sixteen years hersher January historically always a tough month people spend too much money on christmas and then they come back and figure out. They had to pay rent january first and they're like oh my god. I don't have rant guide. There's programs out to start helping the owners But january february. I can't see there's been a different lift. People started filed taxes and movements coming in. You know there's some hope but delinquency has been rough. It's it's artists ever seen him. I think we're seeing what we have been talking about at last. I dunno know eight months or so. People are catching up to people balances bigger and they seem campaigh. Thank god we have cop. Yeah not not. Pop back out or the other day. He's like your registry me and pot. I go nope odd. That might be good thing for some time student right because we have type person running that now because it literally as a time job you mean you mean a fulltime staff just coordinating. A helping tenants get through. Get the pop payments. Yes because it's like you have to register the company and then you have to register. The employees mean the ten after study owner. And then you know. She's trying to track down owners to get the paperwork in trying to track down sentence so it's been a very unique. I really think it was going to be this many man hours but it's obviously worth it But in now we're seeing more and more people on the program like even if they're carried one month i'm like let's just submit them and be done because the eviction piece is still pretty tough. The only way you're really getting people out is expired leases. And so don't renew your ten. It's not being obviously we don't anyways it's It's crazy but then again on the flip side where red properties like hotcakes. Oh this math. In this science a property management right now is baffling. So what i mean so i mean some some mixed signals here just as far as you know some some good stuff and some not so good stuff so what's the takeaway for investors on here. I mean like set some expectations. I see like real estate prices going up interest rates. You very cheap. A lot of people still go out there invest he no it makes sense from like the long-term fundamentals. But i'll see there's some some richer rental payment issues. What if someone's buying a rental now in quarter one this year. What would you advise. Him helps set their expectations and be you know emotionally and financially prepared for maybe some you know worst case scenario. I think i'll start out devon finish up on this. I think that's the craziest part that's baffling. Some is that january. Historically was the worst we've ever had even through the whole. Kobe seen rate so when kobe came in areas like you gotta financially prepare and we never had to be like we held on right. People were still paying rent. We gave assistance the research funding and there was stuff. So i never seen a huge delinquency. We carried a bigger delinquency. But nothing like. Oh my god right so when it closed the books in january and they want to jump off the cliff and go. Oh my god you know this is the worst thing ever but on the bright side of this is seriously and i will still firmly one hundred percent stick to this might turn properties new properties. And what anybody turn. It is when a tenant moves out and we have to remark it it. If it's price right it's clean. It's gone where running prices we rented. One of our homes in highlands ranch little one bedroom condo and like twenty four hours and i have four applicants on it and i raised at two hundred and fifty dollars from the previous tenet. So is it still a great time. Invest yes i say one hundred percent. Yes yes yes. I think that the inflated rental piece.
Denver Real Estate Investing Podcast
"denver" Discussed on Denver Real Estate Investing Podcast
"Seven point <Speech_Male> eight percent of <Speech_Male> all. Us single <Speech_Male> family and <Speech_Male> condo sales in twenty <Speech_Male> twenty <Speech_Male> the average <Speech_Male> home ownership <Speech_Male> tenure rose to <Speech_Male> an all time high <Speech_Male> of eight point three <Speech_Male> three years. <Speech_Male> Both <Speech_Male> of these records <Speech_Male> worsen <Speech_Male> with our inventory <Speech_Male> change again. <Speech_Male> This is kind of goes <Speech_Male> goes with everything else <Speech_Male> are saying <Speech_Male> on another note here. <Speech_Male> This is for <Speech_Male> specifically for <Speech_Male> the denver metro <Speech_Male> market in december. <Speech_Male> Twenty <Speech_Male> ten so <Speech_Male> about <Speech_Male> eleven years ago now. <Speech_Male> <Speech_Male> Denver closed on <Speech_Male> one thousand <Speech_Male> thirty. Two <Speech_Male> distressed homes <Speech_Male> that represented <Speech_Male> thirty six <Speech_Male> percent of all closings <Speech_Male> this <Speech_Male> past december. <Speech_Male> So december <Speech_Male> twenty twenty <Speech_Male> we all <Speech_Male> enclosed on <Speech_Male> eleven <Speech_Male> distressed properties <Speech_Male> eleven nazon <Speech_Male> one <Speech_Male> which represents <Speech_Male> point two percent <Speech_Male> of all closings <Speech_Male> of those eleven <Speech_Male> five or bank <Speech_Male> owned three <Speech_Male> were foreclosures <Speech_Male> and three <Speech_Male> were short <Speech_Male> sales <Speech_Male> so as <Speech_Male> moratoriums on <Speech_Male> foreclosures begin <Speech_Male> to expire. We <Speech_Male> expect distress <Speech_Male> sales to increase <Speech_Male> but nothing <Speech_Male> dramatic and nowhere <Speech_Male> near the levels <Speech_Male> of twenty ten. <Speech_Male> Now in <Speech_Male> pre previous <Speech_Male> podcast. I did <Speech_Male> a really good <Speech_Male> interview with joe massey. <Speech_Male> On some data <Speech_Male> he extrapolated <Speech_Male> from the national <Speech_Male> level and one across <Speech_Male> the colorado <Speech_Male> <Speech_Male> colorado <Speech_Male> portfolio. <Speech_Male> So check back to that <Speech_Male> for all the more details <Speech_Male> but this is a line <Speech_Male> with what we've been seeing for <Speech_Male> the last handful of months <Speech_Male> so again don't <Speech_Male> hold your breath out there <Speech_Male> for distressed properties. <Speech_Male> All right i'm gonna <Speech_Male> keep this podcast <Speech_Male> short and sweet. <Speech_Male> Oh actually before. <Speech_Male> I wrap it up one more <Speech_Male> thing. I know the last <Speech_Male> the two months <Speech_Male> maybe three months now <Speech_Male> i have not <Speech_Male> published the property <Speech_Male> manager updates. <Speech_Male> So <Speech_Male> that's on <Speech_Male> me. <Speech_Male> Just been <Speech_Male> really really <Speech_Male> busy with all <Speech_Male> sorts of other stuff and <Speech_Male> now one of the things <Speech_Male> that just <Speech_Male> cannot fit in the schedule <Speech_Male> because they take a lot of <Speech_Male> coordination a of time <Speech_Male> to all the property <Speech_Male> managers. And if you. <Speech_Male> I do have <Speech_Male> at the time recording this <Speech_Male> the following <Speech_Male> week. I'm recording <Speech_Male> <Speech_Male> recording with three or <Speech_Male> four property managers <Speech_Male> to start getting you <Speech_Male> more data <Speech_Male> from property managers <Speech_Male> on what they're seeing <Speech_Male> in the trenches <Speech_Male> so see that for an episode or two after this one comes out have a great one.
Denver Real Estate Investing Podcast
"denver" Discussed on Denver Real Estate Investing Podcast
"Hey rotten crisslow pass here today. We're gonna talk about the denver. Markets data for january twenty twenty one saw. Go through the mls stats. That came out for january just a couple of days ago. Plus i'm gonna give you some updates on distressed sales and the numbers are actually seeing hit the market now because about what ten months ago has when forbearance started so i'll update on that so starting off with the numbers from high level overview. Not much change. We are still an extremely low inventory so in january twenty one we had about. We had two thousand three hundred and sixteen active listings at the end. The months single family property so homes condos and townhomes so that is off fifty three percent from january at twenty twenty which was just blow five thousand properties now the december. We're about twenty five forty at the end the month so about a nine percent drop off from last month so from a year ago obviously fifty three percents a huge number. That's small drop off from the september. That's pretty normal seasonality stuff so nothing much to talk about new listings. We actually had about forty two hundred come online in january last january we had about forty eight fifty so about thirteen percent less listings and we saw a year ago which is kind of to be expected with all the other items we've talked about. Let's talk about the average closed price. Because in january twenty the average closed price was four. Seventy five four hundred seventy five thousand dollars in january twenty one. We're at five hundred fifty thousand. That's a seventy five thousand dollar increase from last year or just over close to sixteen percent increase now. The medium price point from last january january went from four twenty about four fifty seven. This january again keep in mind. We're seeing really high average numbers in terms of price because we're still selling a lot of higher end more expensive properties and we still have you know low inventory for the five hundred thousand sub properties. So we're seeing big price increases just because we have no inventory out there. The other data all kinds of fits in the line with what we've talked about in the past Again with e close price to list price. So this is when an agent or an agent seller list of property they listed for example at five hundred thousand dollars and fit sells for five ten. It'll sell for a higher percent than list price. It's the cells below five hundred thousand. It'll be a lower percent. We're still seeing higher numbers here. The close price to list price in january twenty twenty.
Denver Real Estate Investing Podcast
"denver" Discussed on Denver Real Estate Investing Podcast
"Own properties in suburban areas which are being less impacted by missed rent payments again. This fits from what we've heard from our property managers last year that the suburbs and really the tach single family homes are having the best collection compared to other asset classes. Another parts of town so going back to another part in this survey or this article. I should say about the survey. I'm marie this nationally. Only fifty four percent. Landlords reported collecting the full rent last month. While on colorado seventy seven percent of landlords received a full rent payment several large states were below the us average including new york only thirty two percent of foreign collected illinois at thirty nine percent and california forty eight percent so you know good news for colorado landlords and also colorado renters that you know we're seeing more and payments a lot around the country. I'll see everyone likes. See that number higher. So what do we do with this data that. We've all known that it's going to be it's going to be a choppy twenty twenty and at least the first half and i'm expecting most of two thousand and twenty one to be choppy as well when it comes to rent payments and a lot of times in december january is the hardest time for rent collections to just looking at. You know historically data. That's when we see a lotta times a lot of not being to pay so you know this kind of aligns with you know what what we're seeing right now in terms of just year end stuff that's going to be lower than normal but this is still not. The sky is falling. But as i've talked about be prepared for higher vacancy be prepared for more flat rents and just be prepared to tap into cash reserves. Which hopefully you're keeping on hand if need be right around the end of i guess the first week of january i had a tenant who had to move out of four plex in west minister. He just. I can't remember the issues either. Lost jobbers hours and then come back. But he communicate with us. Or you know what the property manager and he's tulsa situation and there just wasn't a good solution so we you know. He ended his lease early and basically said hey. If you if you can move out you leave the you know the play the property clean you know no issues. Here's security deposit back with us. Get it rentable to move on. We'll try to make the best situation. And that's what happened so not not ideal but he moved out early. January by about mid january at a new tenant. Sign the lease. They moved in february first. So that was a month vacancy right there. No loss rent from the previous tenant. So you know not ideal but also not worse case scenario either so there are definitely situations like that and as i mentioned some previous podcast there are programs out there and there seems to be more programs you know from some of the government spending out there as well were they can help tenants catch up on back rent. I've had property managers. Tell me about this. I've had various clients and investor colleagues ford me emails as well where they've had tenants not pay rent for six months or nine months and they've helped him figure out these programs in gotten checks for eight thousand ten thousand twelve thousand dollars to catch the tenant backup to rent which is obviously good for the tenant because they don't want to be homeless are expected. It's also very good. The landlord because they can pay their mortgage and pay their bills. So if you are an unfortunate situation like that where you have tenants Not able pay the rent..