36 Burst results for "Mindy"
Fresh "Mindy" from WTOP 24 Hour News
"Performance now through October 9th. Information at Kennedy Center dot org, bob and Lil WTO traffic. Storm team four's Mike Jennifer. The remnants of Ian will affect our weather for the next several days. It's a good deal of cloud coverage tonight lows will be in the mid up of 40 suburbs loaded to be a 50s closer into the district. Cloudy and brazier on Friday. We'll see rain rolling in from the south and southeast and the afternoon. Highs mid to upper 60s. Randy and breezy on Saturday rank if you have time Mindy before new. High zone to mid 60s, rainy and breezy on Sunday and once again the rink would be heavy at times with a high level mid 60s, more showers on Monday, breezy, high speed up for 60s. I'm storm team Forrest Mike Steiner. 64 at fort belvoir now, 66 in foggy bottom and the same in Silver Spring, look for lows tonight, mid 50s near D.C. and upper 40s in the suburbs. Now Ian spent much of the afternoon hours in the late morning hours as a tropical storm no longer. It's a hurricane again. Eyeing Georgia and the Carolinas after pummeling Florida, the devastation is unbelievable. We've got the latest in a special report straight ahead. WTO proudly hosts a small business September series presented by eagle bank. Throughout the month
The Truth Behind the Cancellation of 'AJ After Hours'
"Turns out Mindy Herman was scared should have talked shows more than we knew because of that because of the tragedy of the Magic Johnson show. Magic was just bad on TV. It took him years to learn how to talk on TV. He wasn't ready then as a result, it all fell back on many of the blowback hit her hard. So she was petrified of talk shows, but she would never say that to our face. And I knew that things were bad because right before the talk show aired the advertising budget was cut in half. One minute on being in every magazine and newspaper in America, I'm on buses in Los Angeles by face, mildly faced with AJ after hours. I'm everywhere. The last two weeks before the show, I'm nowhere to be found. And the show was gonna run at midnight, then I went to one 30, then 2 o'clock in the morning. Who the fuck's up? The shelves from milkmen and vampires. Who's gonna watch your show with that hour, right? As my father would say, whores and milk men are up at that hour. So I was, I was doomed. It was doomed, right? And that cancellation when I finally got the word, I'm at the hotel. I've told you this story before and gave me for a minute. At the time, my assistant was my girlfriend and she was with me the whole way. And as we're getting ready for the 5th taping, Chris Rock was on that night, some good guess. She gets a phone call. Oh, it's John. John riber. Hold on. John says don't come downtown. It wouldn't mean don't come down. I'm going to tape the show. No, John says there's no shelter tonight. I go, happy to not be a shell tonight. Chris Rock's here. We're doing a show. No. So I got on the phone, John tells me, and he was crushed. It wasn't his call, but he said, we're not going to pull the show. Mindy wants to pull
Why Mindy Kaling's South Asian Velma Won't Hit Home
"Mindy Kaling. The actress who won't tell us who the father of her baby is, but we all know it's a former costar. B. J. Novak, she has created a Scooby-Doo animated spin off velma for HBO Max and she's making velma a South Asian brown skin girl. And she doesn't give a shit. Who doesn't like the idea? She said, if a dog can solve crimes and thelma can be brown. Hopefully you'll notice my velma is South Asian, she said, and the people freak out, I just don't care. You know what make you freak out? Mindy, your purple gums. I don't like your purple gums. That make me a bad guy? Just being honest. Well, good. I'm glad you don't care because not many people are going to care for your show. Velma, which will be animated and for adults. HBO Max is going to expand their adult animated programming. Velma tells the origin story of velma dinkley. Not really a name for a South Asian, but whatever. Velma dinkley, the unsung and underappreciated brains of the Scooby-Doo mystery ink Yang. And after the animated show was announced, Twitter blew up with openly racist complaints about caving new project and some people pointed out how making velma into a studious Asian nerd also plays into stereotypes. Listen, this is the thing. I hate that it has to be a race thing. I really do. I just, I don't like them changing characters from what they are in the first place and have been for decades, to me it's very off putting. You can't make a new character. There's Popeye have to be Latino going down the road. What are we doing?
Tropical Storm Mindy Forms in Gulf Near Florida Panhandle
"Hi Mike Crossey a reporting tropical storm Mindy has formed in the Gulf of Mexico near the Florida panhandle forecasters have issued a tropical storm warning for part of the Florida panhandle for tropical storm Mindy Mindy developed into a tropical storm Wednesday in the northeast Gulf of Mexico the national hurricane center says Mindy could cause as much as six inches of rainfall across the Florida panhandle and portions of southern Georgia and South Carolina through Thursday morning scattered flash urban and small stream floods are possible hi Mike Rossio
Hurricane Ida Hits Louisiana
"mindy" Discussed on Mindy Diamond on Independence: A Podcast for Financial Advisors Considering Change
"To invest in myself in the structure. Let's talk about that for a second. I think that term compounding effect is an important one so one of the trends we've written about a lot and spoken about and seeing is that advisors are coming to independence much sooner than they might have that one school of thought is. You've got such a long runway. Monetize now jumped from one traditional firm to another take some significant chips off the table and then nine or ten years from now. You're still young enough to go independent. That really is what we saw for a very long time. But lately for advisors that are confident in their growth and really all about the fiduciary model of being able to really definitively say. I'm doing what's in the best interest of clients they are going to independent sooner and looking at this compounding effect of being a business owner over time and what it means is as you say to forgo what would have been six figured deferred comp seven figure transition bonus so talk to me about that that has to come with some anxiety. Some was there any crisis of faith about the growth. And did i make a bad decision. And some sense of boy. What that seven-figure transition package could mean for me. If you had asked me that two years ago shore there was some moments of am. I doing the right thing. I am my moron by passing up this. What potentially once in a lifetime opportunity but since the transition mindy not for a moment not for a second. I felt the growth. That we've been serious that are close to i two years of business plus when i see as the potential going forward will eclipse that moment in time point in time windfall in this kind of ties into the advice that we give clients. There is an element of. Hey if you reduce your expenses and broaden the gap between what you're bringing into your household increased savings rate you can hit that work optional lifestyles sooner that compounding effect but you make sacrifices today for what is going to help you achieve your potential goal in the other element i would actually add onto. That midi is risk management in structure and the wirehouse. I always felt that. Have one guy or gal of me. Didn't like the way that i approach. Amer interacted with them or to business or interact with clients. That was risky my career. And i think we're seeing examples of that now as an independent is an true owner. My good business. I'd have to have.
"mindy" Discussed on Mindy Diamond on Independence: A Podcast for Financial Advisors Considering Change
"If i asked you one final piece of advice for an already established. Ria so a competitor but a smaller competitor so someone managing more of practice than a business. Enterprise say managing a billion in assets. That wants wants to grow and wants to scale as you have. What would your one piece of advice be. I would say that you don't let fear preclude you from really giving serious consideration to the options that are available to you go into it with an open mind set and And do your due diligence. It's very easy for those of us who were successful within wire houses and elsewhere to say you know what a making a good living. If it ain't broke. Don't fix it. Why should i let the powers of inertia continue to carry me forward. And if we had done that we would have missed out on the opportunity of a lifetime and depending again everybody's a little bit different and not gonna fault. Anybody if they let the powers of inertia carry them forward. But if you're like us and you want to be an impact player and you wanna create something. That's really special. Why not take a look. Why not consider the options. I love that the truth is that there is nothing wrong with someone that is content running a lifestyle practice. There isn't one way to run a business. Not everybody has their design. Set on building an enterprise but i think to your point that if you have dreams sit down with a giant white piece of paper somewhere and sketch it out and determine how much of a delta there is between where you are and where you want to get to and what you're willing to do about it absolutely. There are no value judgements. That are being made here and everybody has a different pathway. Everybody has different goals. Different priorities. different objectives. All i can say is that for those of you who are giving even a slice bit of consideration to this. Do yourself a favor to your due. Diligence consider the options. And you might just have the opportunity to do the greatest thing you've ever dodd. Carry can't thank you enough for your time your words of wisdom generosity and most of all lens into your extraordinary success. It's really quite exciting. And ken hit wait to hear. More congrats on all the amazing things. You're doing thank you mindy. It's been an absolute pleasure again. Thank you for including me in your program today pleasure. Jerry story is an incredible one. Both relevant and relatable though what resonated most was his closing advice don't let fear preclude you from exploring your options while it's easy to allow a nurse should guide you doing so can mean you'll miss out on the opportunity of a lifetime. I thank you for listening. And i encourage you to visit our website. Diamond dash consultants dot com and click on the tools and resources link for valuable content. You'll also find a link to subscribe for regular updates to the series and if you're not a recipient of our weekly email perspectives for advisors. Click on the articles linked to browse recent topics. These written pieces are an ideal way to stay informed about what's going on. In the wealth management space without expanding. The energy that full on exploration requires feel free to email. Or call me. If you have specific questions. I can be reached by sell at nine seven three four seven six eight five seven eight or by email at him. Diamond at diamond dash consultants dot com. Please note that all requests are handled with complete discretion and confidentiality and again. If you enjoyed this episode feel free to share it with a colleague who might benefit from its content. And if you're listening on the apple podcasts. At i'd be grateful if you gave it a rating in a review that will let other advisors no. It's show where third time to listen to. This is mindy diamond on independence..
"mindy" Discussed on Watch What Happens Live with Andy Cohen
"Of you. Raj wants to see the picture cheese. You know you're thirty nine years ago. I love that. What's your question so since we never got to see tatler getting fired on the show on projects dow why what is your sit down with her really lay and can you finally tell us what she did to betray. Ooh out of flashback questions today. The answer is i wish that i could tell you okay but i actually can't tell you correct. It's a league goal. More or less wasn't good right but it that way and she was very test. Honest okay there you go. Thanks virtual fans that's amazing mindy clarisa. 'em said the oceans eight cast was so iconic. I need to know what riana was like on site. She is cool. As i think she would be in real life and did she smell amazing okay. She smelled amazing. She was quiet really yes she was like a very quiet super chill and just like sweet and she would do this thing which is such a baller move like if you just mentioned like oh i. I love fendi. You would just go to your trailer and there'd be like all this lingerie for you or makeup or really cool shoes or something like that. Yeah she's like the opposite of me just like quiet in classes awesome. Peyton w rachel what was going. Through your mind the infamous night jennifer lawrence fell at the oscars which i thought about if the dress was. Okay you famously. Styled her that on christian dior yeah she actually was interesting because she was so breathtaking and actually it was so like it was so jennifer to do that fall. Because you know she's very like self deprecating whatever they would it would it almost seems right like in a way and she felt so beautifully that like the rest was just like cascading down the stairs and diamonds down her back and like she wasn't hurt so you like oh my god. She looks amazing race. Full beautiful fall seen in fashion in hollywood. I thought it was really beautiful. And she really handled. So wow show. Never have. I ever follows the misadventures of a high schooler. Both my guests are navigating a world. They can feel a lot like middle school hollywood. So it's time for an industry edition of never have i ever. I'm gonna read off a if you've done it your drink okay. Never have i ever forgotten to return outfit. I borrowed from designer. You're.
"mindy" Discussed on Watch What Happens Live with Andy Cohen
"No idea. Census booby do right or confirmed last summer. That velma is a lesbian. Will that be the case in the new show you. There'll be a lot of modern twists. Rest and i think people will be excited about the the way that we're purchasing culture very good. Let's take questions from the virtual vans. Here's bradley sandy from missouri. for mindy. kaeling. What's your question. I'm andy hi rachel. Hi andy mindy. Were you surprised. At how much attention you got a few weeks ago when you were a diamond ring on your ring finger and did anyone from your personal. I think that you are engaged and not telling them. I was really surprised. Because i went to dinner and would like italian restaurant and i. I'm doing it again. I'm doing and i love. That ring will because i just think i don't know i think it's like sad tyranny. That like if you can't wear anything on this ring finger if you're not married like i'll put my rings on my ring finger to f. off everybody thought and they thought it was married and then it was. Of course i'm not. I'm not but i think it was. I thought i'm just doing it. Yes okay good. So am i here. Suzanne phan majors for rachel zohreh. Hey suzanne rachel. I was your camp counselor. Sleep away camp at. Yeah you remember. Remember crying every single day. No i actually have a picture.
"mindy" Discussed on Watch What Happens Live with Andy Cohen
"Is not a horror story right. This is any good woman knows that yoga pants or the perfect piece of clothing ever been invented. Okay Rachel or you're going to cosign on that okay. This is saying. I'm so happy to see both of you. I mean this really means that life is getting back to normal because you both actually flew to new york again shows. You have on the air right now. Yes you're doing god's work. I have an excuse to leave my home. Nice well mindy not only. Are you lending your voice to the new series monsters at work. But you famously played against one of the biggest work monsters. There was michael scott. Although he was very he was very innocent. But i have questions for you. About bad behavior you've seen in the workplace that would never earn a dundee. What's the scariest day job. You had while trying to make it big scary job. I think being a babysitter. Yes young and now you're kind of a babysitter at this. Like i was about to say i'm not a kid person. There's like we. I have yes. I can't take that without naming names the most monstrous meltdown. You've ever witnessed from a fellow actor onset. Have you seen an actor. Like overturn a crafty table or anything like that. I have seen this. I've seen an actor an actor. He ready on set and then another act. This is an actress. Another actress comes out and because the other actress says better lighting. We shut.
Cross-Cultural Casting: Noteworthy for Hollywood, but Not Exactly New
"About unconventional casting choices in film and TV. Mindy Kaling playing Velma and Scooby Doo spinoff Black Jamaican actress Jodie Turner Smith playing the doomed wife of Henry, the eighth and the British miniseries and Berlin. My dear sister No holds a loose tongue in her head. So does this sort of diverse casting violate some unspoken rule about realism critic Bob Mondello takes a long view, he says. Cross cultural Casting has always raised eyebrows, even though it's as old as casting itself in the fifth century BC When the Greek playwright escalates, needed a defense attorney for his leading man in the tragedy, the Oresteia he picked the God Apollo choice You do not make if you're worried about verisimilitude in casting. Live theater has always assumed the audience can make imaginative leaps. Whether it's depicting warrior kings who rant my kingdom for a horse or founding fathers who rap. I am not throwing away my shot. Hamilton, of course, is a special case. Just like my country. I'm young, scrappy and hungry, and I'm Shot. It's a Broadway musical, famous not just for putting hip hop in the mouths of Thomas Jefferson and George Washington but for matching black and brown faces to those historic white characters. Every time I write a piece of theater, I'm trying to get us on the board Latino composer lyricist Lin Manuel Miranda, speaking with fresh air's Terry Gross, black and Brown artist. This is a story of America, then told by America Now it's our country to with inclusion as Hamilton's calling card, diverse audiences made it a worldwide phenomenon, an outcome that seems natural. In retrospect, but that flew in the face of decades of theater practice in 1986. When the stage union actors equity convened the first national symposium on nontraditional casting. It noted that more than 90% of actors hired in the U. S were white and presented scenes designed to help theatre makers consider other possibilities. In Tennessee Williams's
Nutrient Timing to Balance Female Hormones with Dr. Mindy Pelz
"Let's talk about like in a typical twenty eight day cycle. You know and you can give kind of bullet points with that. Looks like when we should be timing out. Maybe low carb kito kind of style. Dieting fasting and then when we need it sir implementing more of these higher carb foods or feasting and applying some of those principles. Yes it's such a great conversation. I feel like. I don't know if you're having this experience. The more i talk about women's hormones and how to time their lifestyle to the hormones at coming go women are like. Oh my god that makes so much sense. Why was i not taught this at thirteen. And it's really. It's a massively missing conversation and women's health. So i came up with something what i call the fasting circle and actually just putting it in another book that were. We'll see when that one comes out but it's finished and i'm teaching the principal on my academy and the idea is that you look at the different days of your monthly cycle. You look at the hormones that are being produced you look the organs that are producing them and then you adapt. You're eating and you're fasting to it. You can even adapt your exercise to it and it looks something like this so on day one day ten you are trying to make estrogen. That is bottom. Line your body's building estrogen up. Now what's really interesting. is that hormones. Pulse they're not like they turn on and turn off like they pulse and as you get closer today ten they polls even more so you're building estrogen and you need your brain to be healthy. You need the hypothalamus. Pituitary to be healthy. And you need to be insulin sensitive. So in that time go kito do your three day. Water fast stimulated Jesus you can clean out the hypothalamus and the pituitary but focus on insulin sensitivity. Then as you move into day eleven day one is the first day of menstruation. So basically like the pointy start mass. You know there might be some men that are listening. That are not familiar with that. I know before. I got into Into the stuff in death. I was like what what is the twenty eight day cycle. Stay one is the first day of menstruation. Right when you start menstruating. You're saying go low car. you know. Intermittent fasting maybe even an extended or partial fast in that period of time. That's really good idea. And you know what's really weird is if you talk to a lot of women they'll say. Oh my god that makes so much sense. I actually don't wanna eat once my period starts it's like when you go back to the intelligence of the body. It's already been giving you clues your whole life. You just have have been taught by society to do something
How to Make Space Snacks
"We're going to be turning regular snacks into space snacks nex. Let's get going starving only had to eat. Today was an apple a stack of pancakes three raw onions. Aac granola bars and a lot of five alarm chili cameras for this activity. You'll need to grab some snacks. Finger foods like dry cereal or fruit and veggie slices are gonna work best for this now a your snack into a scene from space for example i took different pieces of fruit and use them to make a model of the solar system. See you've got gotta blueberry mercury a great for venus. Ah raspberry from mars and so on and so forth also used pomegranate seeds to give. Your kiwi saturn's rings exactly. Wanna make your own space neck you know. i do. Let me have my blueprints year. Luke grab ranch. Why do you have so many tools here. Mendis a hammer a screwdriver. Reggie hammy that welding torch. Welding been nito. Mindy is that a inexact. Full-scale model of the mars rover perseverance. Made entirely out of beef jerky and yoga. Get let's get you to mars.
"mindy" Discussed on TalkRadio 630 KHOW
"That that's really that's what you should do. We can't make the insurance company pay more than this guy's coverage. No, but they might. I mean, it's such a little man. They might I would put up. Listen, I would raise hell, Mindy and say you're going to sue the other guy. You're gonna sue him. Did you add a curiosity? Was there any injuries? Mindy. Were there any injuries? No. Okay, no. That's good. Yeah, because it's like I was right. What she used many. I gotta ask you something. You sound so bummed out over kind of our answer. What do you thinking? What were you thinking? We would say. Oh, no, I'm not bummed out your answer. I was just bummed out because I thought maybe if I wrote them and said You know you I think if you sent that risk in, you can write him. I think if you sent that recede into the other person's insurance company, and there's no extras or anything on there, I think they probably would reimburse you and you may say something like this, Mindy, although You got to be really Let me put it to you this way. This is what I would do, I would say, you know something? I was really nice about this whole thing. I didn't even go to a personal injury attorney and I was thinking about it. I just want what? I just want my rental reimbursed before I start looking for legal counsel. Nothing wrong with that. And you know what? You watch You watch how fast you get that check. You watch. Let radio advertising keep your business top of mind with customers all.
'Friends' Reunion Reveals First Teaser Trailer, Guest Stars and Release Date
"Found out what we know about the friends. Rina special Here's got a trailer yesterday. That was kind of like the first real trailer for it Seems like we've been waiting 18 years. For this thing that happened. It's finally hitting HBO Max on the 27th of this month, so that's two weeks from yesterday. In addition to the main cast, the show is loaded with guest stars, including Justin Beaver Lady Gaga. BTS and other A listers that are stopping by for appear in the show include Reese Witherspoon, Tom Selleck, Elliott Gould, Christina Pickles, She played up Monica and Ross is Mom and Dad. Cindy Crawford. James Corden Kit Harington, Mindy Kalen Walls to be a part of it, and so will Maggie Wheeler. Who is Maggie Wheeler, this lady? Yeah, Jess from the original of human friends fan, you know exactly who that is. And
Explaining the F-35s Cost and Programmatic Issues
"We are here to talk a bit about the f thirty five fighter jet. The f thirty five gets a lot of our time and attention because it was supposed to be the cornerstone of the us. Air force's fighter fleet and because it was going to really equip the fleets of our allies. And it still will but it's costing the nation a lot of money in it looks like it will continue to do so in the future Last week there was a pretty fiery hearing over on the house. Side of the us congress Lawmakers are really as fired up about the cost of the thirty five as they used to get about the navy's littoral combat ship and several leading lawmakers. Say they only plan to fully fund the air force's request for f thirty five this year so lee. How is that a change in. why are they making it. What was really the tone of those hearings that you went to last week The democratic lawmakers in particular chairman donald norcross. He's the subcommittee chairman for tactical air and land forces from new jersey and democratic member. John gear mindy from california. Were both really angry. In previous years the congress has put in additional f thirty five aircraft over the budget request. But this year. They said that they're are going to stop that. In germany said if anybody suggests a up there will be one hell of a fight. And i don't propose to lose. It is how he characterized it. And that is a stark contrast in previous years when everybody was so supportive like help being with quantity increases to help with the production ramp of the
The Mysterious Case of the Missing Salmon
"Curious incident of the missing. Seven is the kind of case that comes across your desk once in a blue moon. Hundreds innocent fish healthy one minute then spell of rain band gone for twenty years. They've been trying to crack the case but the trail went cold. And if it wasn't for that amateur detective that waltzed into my office that morning might have never found the killer com in mining detective. No that's not tech death. Nope that's not is either good morning. Detective sorry detective. Mindy -tective guy bras. Have you had a chance to look at the morning paper yet. Seen this scene what right here. Local pigeon becomes first bird to complete ironman triathlon extent. Sorry sorry mysterious. Salmon killer strikes again go for almost twenty years mysterious and elusive killer has stock the salmon near puget sound after an ambitious project reintroduced coho salmon to the region up to ninety percent of died off in some of the creeks and streams in the area. Huge it sound. you say that's in washington state. Isn't it detective right. You are detective mindy. It says that these mysterious die-offs occurred directly after it rains right in seattle. I've heard it all.
"mindy" Discussed on "You're In Charge: Conversation that Spark Change" with Glenn Pasch
"It's a really great listen. I listen to a bunch of episodes. This week, just love the way you handle that conversation. Also, she is a marketing and brand strategist and as she told me earlier, she is now a digital creator. So we're going to dive into that. So thank you very much Mindy for joining me today. Thank you so much for having me. I'm excited to be here. It's fun to be on the other side of things for a change. I know it's interesting when I sit in the other side. I say, oh, I don't have to worry about this, but I want before I ask you the first question because I want to jump right in. I do want to thank you. So for anybody else who's out there thinking of interviewing Mindy all you had to do is listen to the first episode of her podcast. She gives you all the history. She gives you everything. So you don't have to dive too much into research. I appreciate that. So we will unpack your journey because I'm fascinated with that. But one of the things I want to jump right in and ask you is, what attracted me to your story is, here we are in the middle of the pandemic. And you consciously made a choice to leave your full-time career to move towards more freelance or feeling more in control of what you were doing as they said we'll chat about your journey. But I wanted to ask you the people who are listening and can be listening to this. If they find themselves in that position. Either of their own choosing like you did or in many cases they were downsized or they were furloughed and now they're out there trying to figure out their way. What piece of advice would you give or maybe a couple pieces of advice? If you are thinking that or you find yourself in that situation, how do you move forward?.
Tiffany Aliche's Financial Components to Become 'Financially Whole'
"Alita welcome back to the bigger pockets of any podcast. Always so excited to talk to you. I love that you guys have me back. Thank you so much mindy. Thank you scott. I love being. I feel like i'm a regular now shooters. I think you're our normal three-time guest. Oh which is nice Okay so tiffany. You are a master of all things money and finance but where your budget needs to story. Starts you worry financial disaster. You had a lot of shame over your situation. And that caused you to withdraw from friends and basically from life. What would you say to thirty year. Old tiffany going through all of this financial horrible mess and two others listening who are feeling ashamed of the financial situation there. In how do you get you to stop feeling bad about a mistake that you've made so i'll say get you linda and explain what that means. Emitted in alsace. Shame is a liar. So the way i was able to go from like this secretive. Shame when it came to my money. Was that my best friend linda. Who'd been trying to reach me for months. After i lost my job after i lost all my money after i scanned into thirty five thousand dollars in credit card debt after i couldn't afford my mortgage and had to move back home at thirty so i was at the bottom of the bottom. I remember literally looking at the ceiling from my middle school bed saying you had more money at sixteen. They do thirty like in total. I'm talking about retirement. Savings pennies in my purse like is this was like shame on top of same so linda called me after trying to get me on the phone for some months and was gonna pretend like everything was okay. That was busy But you know your best friend knows you best.
The Guy Who Did Everything Wrong But Still Figured it Out with David Pere
"Paret welcome to the bigger pockets. Money podcasts. I i talk to you today. Thanks for having me on the show. Mindy scott always a pleasure. Yeah we it's always a pleasure for scott and you're just for being on the show that was that was like a comma scott calm like always a pleasure for both of you. Okay okay probably a bad use of commas. I'm big fan of the comma. Anyway david paret is a career marine corps officer and heat. I learned about the term fire from our very own got trenched and brandon turner some schmuck who hosts another one of our podcast for bigger pockets and he learned about it in the most five way. Possible on a hike in hawaii. Why were you in hawaii david. I was stationed out there. Okay okay so. I was there for business business. Let's do some air quotes around that business although as ceo. I guess it's really convenient to go out to talk to brandon hop on clay instead of just hopping on zoom. Anyway david paret. Where does your journey with money. Begin first off for those listening. I have to correct you. I listed i am. I am not fancy and i actually say that with a badge of honor because i think that actually makes for anyone listening to this who's military that actually makes this way more Powerful because. I'm just an enlisted schmuck. So everyone thank you for correcting me. Please germany correct me. I really wanna try learning all of this military suffered. I'm just wrong all the time so sorry about that. Are you an enlisted officer or just Just an enlisted marine. He's an enlisted marine. Okay now tell us your money story. Are you on board with us using the term semper fi to describe your journey absolutely. That's an accurate statement or disrespectful to the phrase semper fi. No no it's motto. It means always faithful. So oh okay. Tell somebody already david. My money story starts off in all those same places that most service members do terrible right. I joined the marine corps in two thousand and eight. I had super frugal parents. Who did all the right things. Even to envelope budgeting. They taught me all the things you're supposed to do. Bought the off brand stuff to save money. And then i joined the marine corps. It was my first real salary. I went to japan. And i was like. Oh my god. I got money and i blew it on everything i went to a on even went on a deployment tax exempt pay. I came home with seventeen thousand dollars. And i bought a truck a rifles and tattoos a bunch of alcohol and probably took some people out on dates and have nothing to show for any of so. I did Terrible things you know by the time i was. I would have been two thousand thirteen to fourteen. When i i mean i probably had an a negative net worth and somebody handed me the book. Rich dad poor dad because they were trying to get me into Amway ride in helped me sell stuff on the side. And i remember telling the guy like no joke i was just like i don't read like you know like i'm a marine. We don't read books which is not entirely true but And he pulled a cd like out of his pocket and was like wow. I've got a cd. And i know you drive a lot on recruiting duty. So plug this in. And listen to it and i listened to it originally with the intent of like well. He called my bluff final. I'll listen to the stupid book. And then within three months. I had bought a duplex and things just started. Roll like i. I listened to that book i like. Oh wow this is cool. I downloaded audible. Listen to a couple other purple library books and then i was googling. Every time i didn't understand they just go to google. And then i stumbled upon bigger pockets and then the book on rental property investing in the book on no and low money down and then like right in the same timeframe someone got really drunk and parked on top of my harley and so they totalled my harley but they didn't want to he owned a car dealership so he didn't want he didn't wanted on insurance so he just paid me cash and then i took it to the viewership and they paid me for it and so i basically got the original price. I'd put into this bike at the same time. Like looking for a duplex and use an fha loan bought a duplex lived in one half rented the other half and then things just kind of scaled from there. So at this point. You're sitting there. And you're just becoming aware of wealth-building concept in general and it doesn't two thousand fourteen. You have basically no wealthier debt at all at that point. Yes so i guess. By the time. I read this book. It was actually probably october of two thousand fifteen. I had a little bit of debt. I mean maybe maybe a few thousand in credit card debt in an auto loan. But i didn't have. I probably didn't have a thousand dollars in the checking account so i only had you know i probably only had like a negative three or four thousand five thousand dollars net worth so. It wasn't like terrible but it was definitely nothing to show for it at all. But you were contributing to your tsp right a little bit. I had done the minimum like eight to ten percent. But what i had done. And this is the There's there's different funds right. When i first joined your money went into the fund which is government backed securities which is in perspective. I've been putting eight to ten percent. Mit because someone told me to. But between two thousand eight and two thousand fifteen. I left it in a fund that essentially earned two. Maybe three percent interest never lost money but it earned two percent interest while the rest of the stock market was earning twenty thirty percent returns coming out of the two thousand and eight recession and i just ate it so i could have way more money in their if i just know where to put it or what more money in. So it wasn't until two thousand fifteen that i really cranked up and started putting twenty thirty Last year sixty percent at one point in my in my thrift savings plan. Okay so this was not a meaningful part of your position at the time when this all started right now i probably had five grand. Dsp ray how much cash did you have at the time as well. If i hadn't totalled my or had my harley totaled basically none. I was pretty much living paycheck to paycheck. How does a harley jump. Start one's cash position. I i don't really. I don't have a perspective on. This is a motorcycle worth eight. Grand is it worth fifteen twenty. Twenty-five i i have no clue. No no no not that much. I probably got probably like eighty five hundred out of totaling. It wasn't super expensive harley and it was a few years old i've probably got about eighty five hundred but i was living missouri which is super affordable and then i was able to use the fha loans. I got into this house for like four grant. I think it was thirty. Eight hundred bucks. So you're stationed in missouri and you buy a duplex and can you walk us through kind of how the housing allowance and all that kind of stuff works for those who are not familiar with military benefits just so we can get a a total picture of your position at this. Starting point. pleasant fifteen yeah. I i think in springfield. My housing allowance was like eight hundred and fifty dollars a month and the housing allowances tax exempt. So it's you don't pay any taxes but actually counts as a little bit more As far as debt to income goes towards your lender. I think it's like one point two five times. Whatever your housing allowance cost when you go to buy. But at the time i was living in an apartment and there's like five fifty a month for a two bed one bath apartment and my lease was coming up on and do so. I was able to get into this place. I bought the duplex for eighty. One thousand my mortgage was six fifteen and there was attended one side for four seventy five Market rent was like five fifty. So i was like okay. Well this could. this could work nothing else. I'm going to be paying one hundred and whatever that math is one hundred forty dollars a month out of pocket for the mortgage as opposed to the five fifty. I was paying on rent. And i probably should've used the. Va loan on that but nobody knows anything about the va. Loan and the lender actually told me not to because he told me quote unquote you can only use it once which is wrong air so much confusion around the va loan. I hope that somebody someday we'll sit down with a really great lender and talk all about the. Va loan and if they have already it would be awesome to link to that in the show notes because the va loan is only applicable to who service members veterans Some federal employees but generally just service members and veterans. Okay so that's not necessarily all of our audience. But i think it's really important to note that you can use it more than once you can use it a lot more than once. You can use it as many times as you want. There's some stipulations there. Because you have to renew the eligibility and after two or three times it gets kind of kind of convoluted but you can the first time you can use it. There's no limit on it anymore. So you can go and buy. There's a guy. I don't wanna knock on wood right now. There's a guy under contract on a triplex for one point. Six million dollars in the bay area right now that we're we're helping and he's going to basically move into this thing zero down and he's high income earner out of the military veteran and in the medical field so he's got a good day but he's gonna pay zero down get like two and a quarter two and a half percent interest on this thing and his tenants are essentially going to pay the mortgage and then he's going to be on the hook for maintenance repairs.
How $1.9 trillion COVID-19 relief bill aims to help Black and socially disadvantaged farmers
"And so let's start with stimulus. Were you surprised that the nearly two million earned nearly two trillion covert relief fund went through? Was kind of split right down party lines. I followed it, Um There was so much to that Bill Mindy. I mean so much to that bill and I see the good that's in it. I see the fat that's in it. How about I put it that way? I think the one thing that's there's several things that just stand out to mount. Me, too. Me. No. Yes, you're getting at $1400 check. But it's also been estimated that each American kids as well will pay $5800 per person. So, yeah, you're getting 1400. But you're having to pay 5800. And then I don't get it covered Relief bill in my baby taxes. It'll be through tax so I'll pay 5800 additional. I thought I was going to credit you are going to have to end up paying. $5800 in taxes have money's got to come from somewhere and then the thing that bothers me, too, is the farmers. Then there's the farmers of color and it's it's listed as African American farmers. Um, socially disadvantaged. Black, Hispanic native Americans and Asian Americans. All get $5 billion if they are socially disadvantaged. But if you're white farmer, you don't get anything. How is that fair? I don't understand how that is fair. So Think. Do you know a lot about the minority business, the MBA program through the state or through the cities that give an additional look to businesses who are owned by minorities. And remember, we have the women's The WB that started here A few months ago, We talked about it on the show because I was involved in that. I think it's the opportunity to give advantage to an underserved or underrepresented populations in an industry that's that's gonna be how I would explain that to you when it comes to business, So I'm taking it that for the farmers, it's probably the same thing. But I don't know. Yeah, I don't know either, but just doesn't seem right. How you don't include all farmers. If it's if you're socially disadvantaged, whether you're white, Black Asian, it shouldn't matter, right? Your color shouldn't matter. Isn't that racist? So I would say that are all farmers disadvantage right now are are all farmers dealing with economic disadvantage? You know what effects farmers more than anything, the weather true, and that's out of their control, So I'm sure it's some point. You know, that's a disadvantage for every farmer. It
How Your First Time Home Buying Decision Affects Long-Term Wealth With Scott And Mindy
"Scott trag- mini jensen. Welcome back to the bigger pockets. Podcast each of you former guest house here on the show. Now your Your guest which is pretty exciting. What's up guys. How's it going. Thanks for having us. I'm super excited to be back. I haven't seen you in one hundred years so i know it actually has been a while Kobe put a delay to my regular trips to denver but didn't stop. David greene hair from travel in the world and hanging out in mexico. What's up david. What's going on guys. Yeah i'm in kabul san lucas. It's my first time here. It's pretty awesome. Yeah sometimes you gotta take a vacation from maui. I guess right. I don't like to myself on the back. It's been very hard. I think. I just realized for the first half my life that when people say they're going to kabo and kabul san lucas set the same thing. Is that true. I think i've never realized that was the same thing to different cities. But i just put that two and two together that that was the same thing. I'm going to new york versus. New york. city apparently shortened nickname. Anyway rather than talking about my intelligence or lack thereof. Let's get into the scott mindy you guys last few years so for those who do not know you. I want to start with this one. Scott obviously you know everyone knows scott tranche. Everyone knows me jensen but for those who don't who are you. What's your real estate strategy. Ben and then. I wanna move into talking about the market a little bit. But let's start with that. We'll start with mindy ladies first. Mindy who are you and What what are you doing. My name's mindy jonathan. I do a lot in real estate. I am primarily a flipper. Which means i buy a house that is very unattractive. I move into it. I live in it as my primary residence fixing it up. So i live in a construction zone for two years and then sell it and make massive tax free cash when i sell it. I'm also a real estate agent in colorado. And i am the community manager for big pockets and the co host of the bigger pockets. Money podcast with me as always is my illustrious co host scott trench. Thanks wendy for the eliminating ensure there. I'm scott trench from the ceo of bigger pockets. I'm an investor here in denver colorado. I've got Eight units about one point six one point seven million in assets within that portfolio and the last couple of years have been a little quiet for me on the acquisition front and my personal portfolio. I have been spending more of that time. Investing in syndications and last year. I really set up property. Management rehabbed and Tackled a bit of maintenance that i had been deferring guests on this show. And i've been differing on a couple of my properties and took care that this year. And so i was able to reset them. Do a big refinance take a lot of cash out nine back into acquisition mode looking for that next deal. Awesome guys well speaking of next deal. It's been a crazy last year. Obviously with the real estate market covid doing some crazy things and things that i don't think any of us really necessarily expected i shouldn't i. Was you know worry that we're going to see a crash or something happened and all of a sudden instead it's just like somebody shot him on steroids into the real estate market the last six months. Why do you think real estate has gotten so competitive. And i don't even call hot as the best word i can use for it. Real real. The real markets gotten hot almost everywhere in the country. Why is that. And then i'll ask. Where do you think it's headed but let's start with that one mindy. Why do you think it's gotten so crazy lately. I think there are a bunch of actors of course cove it. I think a lot of people who were considering selling but maybe didn't have to sell has decided that i'm not gonna have random people traipsing through my house bringing their covid into my house and then i catch it and maybe die so i think there's a shortage of sales just based on the market are the pandemic itself. I think there are ridiculously low. Interest rate why. No they're low interest rates that are fueling people. Ooh i can upgrade to a better house and we didn't have anybody building houses from two thousand eight to two thousand and twelve thirteen fourteen. I mean in my area. They're just starting to do these massive builds again and it takes time and there's people that are still moving here but there's nothing to buy so prices just keep going up. I just sold a house on friday for more money than i thought was ever possible here in the story over and over. Scott what do you think. Yeah i would agree. I think the the first biggest lever is going to be interest rates. The payment matters more than the price to most homebuyers and frankly most landlords like all that fifty percent rule your expenses are not magically changing. You know in those two in those types of things based on interest rates so if your interest rate if your your payment goes down you can afford to buy. You can pay more for the same property and get achieve the same or greater cash flow so i think that interest rates are the number one biggest lever and then the second one is going to be the stimulus and just the in injection of cash and liquid into the economy. In general. I think that last year a lot of people weren't spending as much money as they nip term typically what at least those who would be potential competitors of yours when buying homes and rental properties and so people are now in a position to buy with liquidity and low interest rates. I think fundamentally the that's what's driving it. And then i also think diminish point the other factors are all many of them are also fueling this. There's been an exodus from apartments to single family homes red single-family rents have gone up apartment. Rents have fallen over the last year. Single family housing prices have exploded by more. I think it was like single family. Rents went up by three four percent and prices went up eight nine percent over the year. I think that's that's showing a fuel in demand from apartments to single family homes as rentals but an even greater preference to buy. I think fueled by that interest rate shift so other things. Lack of housing starts continued population. Growth and then Inflation in expectation of inflation. In general are all you know fuelling real estate right now. Who knows how long that will continue but hasn't been a bad year for those who held real estate going into twenty twenty.
Are You Smarter Than A Toilet?
"Okay ready to go. How are we getting their guy. That is used scared me god. Did you hear getting the gang back together. We're like harry run and her miami. Obviously harry sorry. Dennis really love for you to come but for taking guy roz yellow bananas scooter. And you know. It's only got seating for two people vote and a giant pigeon. Aw plus we need you here to spy on the neighborhood and watch out for danger. I guess yeah. We promised bring back a souvenir. Dierk many yoga. I think we have a little problem. Why what's going on. Well i kick it the banana scooter to start. It seems like the battery might dead. Maybe the banana is overweight. You know according to popular fruit and veg mechanics magazine. Overripe produce is the number one problem with perishable transportation. Know what happened to have your rollerblades handy do you. Oh boy. Do i know almost reggie got to ride gadfly dennis. Thank you still got. Tripling is the banana scooter. All the way down to the convention center. No problem indie rollerblades. Four oh come on you to hand you reggie. The entrance is right over there. What what what what i wear. Welcome to the bathroom showcase. Are you considering bathroom remodel. Yes i am looking to build a bear tuba lazy river in my bath. Tab and my buddy guy over here is tired of pooping in the kitchen sink. Mendy danny house. Well actually. It's a solar powered energy efficient. Modular in oversized debbie doll dream. Well i think that it's just super and i believe we've got some lovely compact laboratory options that you are going to a door. Come with me right this way but what what what what look at this of this place mindy now over here to the left you'll see be during the latest in portal body technology. Oh i think you mean florida party right. Yeah as in portable potties not poor tongue or tau you see traditional porta potties. Need to be transported to a location but but let me guess portal. Transport i bingo. Oh it's like the rollerblades of toilets now that something. I can get my behind behind once properly tested. These portal policies will be able to transport poopers through time and space past or future time. Travelling toilet signed me up. I want to see inside. Oh please don't go in their bodies bigger than your new house guy. Rise please sir. The portals are highly unstable. They have access to urine and feces from all of human history. Do i just flush myself to another car. What no sir please. it's just a prototype with. It's still in beta testing.
Super Bowl helps 'shine a light' on human trafficking
"And we wanted to tackle an issue that you're not gonna hear a lot about when you turn on your TV tonight, and who knew we had such a celebrity living right here in the state of Ohio when it comes to fighting. Human trafficking doctor. Marlene Carson is a member of the United States Advisory Council on human Trafficking. She had that term for two years personally appointed by the Trump administration. Dr Carson. Thank you so much for joining us. If anyone knows the realities of human trafficking it is you. Mindy. Thank you so much. I really appreciate you even hosting this show today is very important. Thank you. Yeah, we knew it was a time to talk about it, Marlene and And, you know, I'm familiar with rehabs hideaway, which you also founded. The list of what you've done in this area is really impressive. I just kind of want to start out with today and it is Super Bowl Sunday, and this is a day traditionally where we would see an uptick in activity in the city where the Super Bowl was happening of human trafficking, Correct. That's correct. That's very true. Why is that? Well, any time you have, unfortunately, And I'm not making this a blanket statement, But any time you have a bunch of men, money, sports alcohol Is the criteria. Traffickers Look for that. So traffickers bring women and girls victim from around the country to monopolize the monetize. These games
Biden's COVID plan: GOP senators ask president to negotiate
"End Senator Rob Portman is criticizing the Biden administration's coronavirus relief proposal. The Ohio Republican tells CNN state of the Union. Much of what the administration has put forward has nothing to do with providing relief to Americans in the interest of the bite administration not to do what Democrats on the hill are planning to do, which is on Tuesday. Sonos start to go down the road of a process that will jam Republicans and really jam the country. Portman is among a group of Republican senators to sign a letter to bite and requesting a meeting with Biden on covert 19 relief. Portman says senators believe more targeted direct payments are needed. He also added that the group's plan would cost less than Biden's proposal, which is just under $2
Russian opposition leader Alexey Navalny detained after flying back to Moscow
"Navalny, The Russian opposition leader who was poisoned with a nerve agent last summer, has returned to Russia for the first time The Valley detained shortly after landing at an airport in Moscow. Russian police detained Alexei Navalny at passport control shortly after he landed back in Moscow for the first time since he was poisoned with a nerve agent last summer. Opposition leader flew from Germany where he's being recuperating. Hundreds of his supporters and journalists had gathered to see his arrival, but the flight was rerouted by authorities at the last minute to a different airport. Russia's prison service has said it's arresting Navalny for allegedly violating the terms of a suspended sentence from 2014. It said he now will be held until the court rules whether to convert that sentence into real prison time.
"mindy" Discussed on Mindy Diamond on Independence: A Podcast for Financial Advisors Considering Change
"That's really what we do this for. Love it guys. Thank you so much i mean. You're only a year and change in and so. I hope that you'll agree to come back as you move through evoke and do more acquisitions and continue to grow and not the cover off the baugh. We appreciate your support of the industry. Really you've been done a great job in a great spokesperson so we really appreciate it for sure thank you. David shared insights into building an independent firm. Not once but twice as well as being on both sides of the table and they still have a good runway ahead of them to blaze new trails. They shared many lessons for advisors in these two episodes. But there's one in particular that stands above them off and it's always doing what's best for the client. I thank you for listening. And i encourage you to visit our website. Diamond dash consultants dot com and click on the tools and resources link for valuable content. You'll also find a link to subscribe for regular updates to the series and if you're not a recipient of our weekly email perspectives for advisors. Click on the blog linked to browse recent articles. These written pieces are an ideal way to stay informed about what's going on in the wealth management space without expending the energy that full-on exploration requires feel free to email or. Call me if you have specific questions. I can be reached at nine. Eight eight seven nine one zero zero two or sell at nine seven three four seven six eight five seven eight or by email. At 'em diamond at diamond dash consultants dot com. Please note that all requests are handled with complete discretion and confidentiality and again. If you enjoyed this episode feel free to share it with a colleague who might benefit from its content and a special thanks to adviser hub dot com for sharing this podcast with their viewers and subscribers. This is mindy diamond on independence..
"So one of the things he did was he wanted to take a year off from the business and travel the world with his family while his kids were still young and so he methodically went through a multi-year. Wage. Or he put the people in place he put the systems in place. He had a strong Co oh he wanted to make sure that I had someone who was responsible for getting clients. Someone who was responsible for keeping clients and he worked through that whole process so that at some point he got there and he said, you know, I'm ready to go and off he went and was gone for a year and when he got back the business was dramatically bigger than he left. I know that's drink. It's good story. It can't happen. It's not easy. Don't get me wrong. It's not easy at all. But it is possible to do something like that. But it again comes back to the people which was the first point I talked about. Yep. Okay. So let some shows a lot we can say about people but let's move on to the second Point. Yeah. The second point I would say is something that I don't think most people really talk about faith. I think it's critical and it's this idea of having a philosophy and what I mean by that is to do I would say some serious self-examination and really dead. I understand. What is your driving force? What is it that animates how you do what you do? How you think about business? How you think about life? And this is I'm not talking about mission and vision statements rather more of a I would say like an overarching philosophy that encompasses everything that you've come to believe over your lifetime of experience and it's it's similar to what some of the best sports coaches do off. They have a philosophy about how they run their team. So having that philosophy helps create the culture. So it's really it's like, you know, it's get your combination of thoughts and beliefs and values and instincts and actions and you know, it really underpins what drives you you know, the why and how of what you do and so often times when I'm working with my coaching clients, I take them through an exercise to really help them clarify that philosophy and I've identified Ford parts in terms of the exercise that I go through and the first part is when I call your truth and so this is really trying to get at but what do you really believe wage? And it's a simple question and the question is what I know to be true is and then they answer and then the second part is because so what I know to be true is discipline is the way to succeed because it's worked in my life. You know, I'm just giving you that as an example, but then I asked them to do that 15 times to answer that question 15 times to really get at the heart of what their truth is. So that's really part one part two is a values clarification exercise. We don't really need to go into detail on that. I think everyone understands the importance of having a valve system the third piece there is but a call your non-negotiables. So these are things that you're like, I'm not compromising on this and it could be things like when you work with me or when I do my work I'm all about preparation. I'm not going to compromise on being prepared. So just like this podcast you and I are doing Mindy it's been phenomenal in terms of your level of preparation. To prepare me for the conversation that we're having right now and I think it's fantastic. And so that could be a non-negotiable. And then this final piece I call your rallying cry. This is sort of a a short statement that encapsulates how you think and it's just it becomes a metaphor that you can turn to when things are tough and you think here's my rallying cry. This is what's going to get me through a period of time right now. So that's an exercise so that I think is super helpful this idea of having a guiding philosophy that you use for business and life. Yeah. Well, I love that I you know, I call it everyone's true north but I love the exercise the questions you ask to get at it. Okay. How about number three number three? This is something that actually I first heard from Joe Duran and in other folks have talked about this as well. Enjoy mentioned this on a podcast that I did with him and number of years ago. He said that one of the big keys to his success and he's one of the few folks who have built to wage. Multi billion-dollar advisory firms and he saw the first one I think for about seventy-five million and then his second one. He sold for reported 750 million a 10 x so to Goldman Sachs less. Absolutely. Yeah. Yeah. And so he said one of his keys was to find a big wave that you can ride and in his case. He said he rode to waves the first wave that he rode with his former company was this shift from a commission business to a fee-based business and that's essentially that that was the same way that that I was riding back and securities American the nineteen-nineties as we were helping advisor shift from the Collision to the fee based assets that are management and then the second wave that he said he rode was this shift from basically money management to financial guidance or to financial planning and that was obviously what they can feed their United capital and so he said one of his keys was spot the ways and one of the ways he said to do that was just really put yourself in the shoes of the consumer and see the problem from their perspective. What's the problem and then are you the person who can solve it and do you have the resources to actually solve that love it smart and number for 4 I would say is you need to have a repeatable system that generates a steady flow of new clients. Now that sounds obvious which it is but it's really hard and I think that's the tricky part for most advisors is how do I have this system that generates a consistent flow of new clients. So let me give you a couple examples here of folks that have done it that I think everyone's going to be familiar with your so one is Rick at home. And as I look at what Rick has done is he's essentially become a media company. He's got about ten best selling books. I think there's more than a million of those books in print he's a guy public television show. He has a podcast is a radio show. He does seminars. They do online advertising. I mean, he's basically everywhere and he is an educator and he's really built wage. Company on his back in the rest of his team about educating people and he's doing that through multiple forms of media. So that's been his ticket to creating a steady stream of new clients. I think another example would be Ken Fischer. So Fishers built Fisher Investments, I think they have over a hundred billion in assets under management. And and as I look at what they've done their it looks like they've really done three things one is massive marketing. You can't go online to any investment website and not see an ad for Fisher Investments a second thing. They did was they had a specific focus on investment management. They really hang hung their hand and hang their hat on this idea of being an investment manager who for the most part is going to be using individual equities for their investment management. And then third is they have a very strong sales and service oriented culture with high team member accountability..
"mindy" Discussed on When I'm High
"It's more <Speech_Female> it's always <Speech_Female> sort of music is <Speech_Female> always been sort of more <Speech_Female> for me. Anyway <Speech_Female> the way I tend <Speech_Female> to play and so <Speech_Female> it's more of like a soothing <Speech_Female> thing or like <Speech_Female> I was working <Speech_Female> on this particular <Speech_Female> chord progression, <Speech_Female> or <Silence> <Speech_Female> I'm in a mode <Speech_Female> right now where I'm teaching <Speech_Female> myself <Speech_Female> something and I want <Speech_Female> to keep practicing <Speech_Female> it and it's sort of <Speech_Female> a second-hand <Speech_Female> response <Speech_Male> if that makes sense. <Speech_Female> <Speech_Female> Yeah. <Speech_Male> Yeah. I don't know. <SpeakerChange> <Speech_Male> Well, let's <Speech_Male> talk a little bit more <Speech_Male> about music <Speech_Male> off because <Speech_Male> assuming <Speech_Male> that you like to <Speech_Male> listen to music as <Speech_Male> well in addition to play <Speech_Male> it. How <Speech_Male> does your experience <Speech_Male> of listening to <Speech_Male> music change <SpeakerChange> when you <Speech_Female> get high? <Speech_Female> I definitely get more <Speech_Female> excited and more enthusiastic. <Speech_Female> Mystic <Speech_Female> I think when I'm <Speech_Female> high probably <Speech_Female> to the annoyance <Speech_Female> of other people around <Speech_Female> me sometimes <Speech_Female> but I <Silence> do <Speech_Female> just <Speech_Female> like the moments <Speech_Female> in in certain songs <Speech_Female> say <Speech_Female> that really excite <Speech_Female> me when I'm <Speech_Female> sober when I'm high <Speech_Female> kind of get heightened <Speech_Female> <Speech_Female> and I just <Speech_Female> <SpeakerChange> sometimes <Speech_Female> like nerdout <Speech_Female> out over <Speech_Female> certain <Speech_Female> <SpeakerChange> sections <Speech_Female> or certain pieces <Speech_Female> or whatever. <Speech_Female> So I guess my my <Speech_Female> <Speech_Female> again like my <Speech_Female> level of <Speech_Female> Joy over all <Silence> that I <Speech_Female> get <Speech_Female> like the amount of joy <Speech_Female> that I get from <Speech_Female> what I'm listening to <Speech_Female> gets heightened <Speech_Female> wage when I'm <Speech_Male> high I <SpeakerChange> notice <Speech_Male> and then <Speech_Male> unlike a <Speech_Male> like a mental sense. <Speech_Male> Are you <Speech_Male> listening to the music <Speech_Male> in a different way? <Speech_Male> Do you listen to the <Speech_Male> lyrics and a different <Speech_Male> way or <SpeakerChange> have you noticed <Speech_Male> I've <Speech_Female> noticed <Speech_Female> honestly like <Speech_Female> specifically I <Speech_Female> think it's just one big <Speech_Female> package <Speech_Female> for me. <Speech_Female> I'll notice like musically <Speech_Female> stuff. But <Speech_Female> then lyrically as <Speech_Female> well so it <Speech_Male> kind of <SpeakerChange> goes both ways <Speech_Male> <Speech_Male> dead. In general, <Speech_Male> it sounds like you're just <Speech_Male> you're just <SpeakerChange> happier <Speech_Female> about the music that you're <Speech_Female> listening. Yeah. <Speech_Female> Yeah in general. <Speech_Male> Yeah, <Speech_Male> and that <SpeakerChange> is not <Speech_Female> a bad thing. <Speech_Female> No, I <Speech_Female> I agree. I <Speech_Female> I enjoy <Speech_Female> life. I don't know. Yeah, <Speech_Male> <Speech_Male> I <Speech_Male> think you sort of touched on this <Speech_Male> before but what about <Speech_Male> your memory <SpeakerChange> when you get <Speech_Female> high? <Speech_Female> <Silence> Well, <Speech_Female> I do have short <Speech_Female> term memory loss <Speech_Female> it well it's hard cuz <Speech_Female> I came on bringing issues <Speech_Female> and <Speech_Female> like, you <Speech_Female> know, your your short-term <Speech_Female> memory pot <Speech_Female> issues, but <Speech_Female> <Speech_Female> other people <Speech_Female> would probably say otherwise, <Speech_Female> but I know <Speech_Female> that like I <Speech_Female> my memory <Silence> loss <Speech_Female> in general kind <Speech_Female> of is what it is <Speech_Female> and I <Speech_Female> I don't really notice <Speech_Female> when I'm in the moment <Speech_Female> and I'm high <Speech_Female> in the moment. <SpeakerChange> I don't <Speech_Female> notice much of a difference <Speech_Female> <Speech_Female> from what I'm sober <Speech_Female> <Speech_Female> if that's something that <Speech_Female> I'm kind of <Speech_Female> iffy on memory <Speech_Female> wise. Anyway, <Speech_Female> hm. <Speech_Female> I might <Speech_Female> obviously have <Speech_Female> short-term memory <Speech_Female> issues like <Speech_Female> while I'm high a little <Silence> bit more <SpeakerChange> <Speech_Female> so when I'm sober but <Speech_Female> <Speech_Female> I'm thinking of trying <Speech_Female> cuz you're right. I never <Speech_Female> pay attention in this stuff <Speech_Female> why my necessarily <Speech_Female> so now I'm <Speech_Female> trying to think about it <Speech_Female> and I'm like, huh? <Speech_Female> I don't know actually, <Speech_Female> <Speech_Female> but yeah, I <Speech_Female> <Speech_Female> I'm able to lose <Speech_Female> track a lot <Speech_Female> easier <Speech_Female> of a train of thought when <Speech_Female> I'm high obviously, <Speech_Female> but okay <Speech_Male> then when <SpeakerChange> sober <Speech_Male> yeah, yeah. <Speech_Male> Yeah. I think <Speech_Male> that's pretty standard. <Speech_Male> So basically <Speech_Male> the you've got <Speech_Male> some memory issues <Speech_Male> anyway, but <Speech_Male> they might <Speech_Male> be a little bit heightened <Speech_Female> when you get high. Yeah. <Speech_Male> Yeah. <SpeakerChange> <Speech_Male> So we're going to end part <Speech_Male> <Advertisement> one of Mindy's <Speech_Music_Male> <Advertisement>
"mindy" Discussed on When I'm High
"That psychoactive side as well, right, you know, how much of it is coming from that you know, cuz cuz pain is so mental anyway, right? It's interesting. Yeah, I don't know and I also the theory that my friend also change is that it takes like a shitload of CBD to really really helped which is why the THC he thinks kind of balances that and sort of works a little better if you have both so I I don't know I could have thought of my mind and just been biased but I swear that like having the balance of the two seems to work best for me at least. Yeah. I know that there's a lot of strains out there that are are one to watch even Edibles. You know, it's a 1-1. All right. Well, I'm sure that that sort of topic will come up again. But how do you think others would describe you well? Hi, has anybody actually just said that to you munchie Mindy is the name that I got for a while just like long ago before wage like any major health stuff popped up just because it's a fact it's something that I've tried to become a more aware of as I've gotten older just because like I have faith that realization of just because you're high doesn't necessarily mean that you really want a giant pizza right now because you might have just eaten before you smoked and you might just have the munchies whereas like that wasn't always like no know how wise but I feel like my mom seems to always know when I'm high even though she doesn't cuz she always says that my eyes look funny but to be fair, like usually by the time I'm talking to her I'm kind of tired and trying to battle like the overtaking of any sort of like exhaustion or dead. I guess I she probably won't hear this but like trying to keep up with what she's saying cuz it's probably later in the day. Yeah, sometimes anyway, you're tired or something. Absolutely, Yeah. Yeah, but other than that, no, not really. I don't think I think most people like kind of at least nickname wise I get even more giggly than I normally get. So yeah, I was born I lose track of trains of thought a lot more easily when I'm high, but I think everybody does so those are like the main character characteristics. I think. Yeah. Let's see that question. I like to ask it because I'm I'm it's kind of a weird question, but I guess I'm hoping someday that somebody will actually say oh, yeah, somebody actually did tell me what I was like when I was high and it was just so enlightening but nobody's ever said that so I'll just keep on asking the question. Gotcha. Yeah. I know enlightening moments. No, no, let's see. So when you first log You know taking that a bolt or vape a little bit. What are what are some of the first things that you start to feel either physically or mentally kind of that like creep of feeling happy or relaxed or better rolac of a better phrase I guess or word but I just start to notice that things if I had anxiety or any sort of depression or anything that was like at a level a certain level..
"mindy" Discussed on When I'm High
"But so those would always be like anything white Harmony ask is always I'm always on the hunt for but which does have a high-cbd count wage, but I it kind of varies I kind of rely on my dispensary for what they have gotten in and what they suggest and what they know about the different strains to kind of judging And I want to get depending on what I'm looking for. So it's kind of touch and go but I don't know if this is like scientifically true or not. But I have a friend who says that he thinks that the higher CBD strains really work better having THC involved. Like if it's all CBD that's doesn't seem to help he seems to think about which like white Harmony has a good like one to where it's like half CBD have THC and so I tend to gravitate towards those strains a lot more just because of wage. I know overall that like I will always have used for those it seems like but yeah, I kind of just depends did you ever get any strains that were exclusively CBD did you ever try them? I well I've had some whereas very low THC. Okay. Did they seem to help? I don't know. I don't know that they did as well. With pain it's so interesting because it's so hard to I mean, I'm sure that they did but when you're so used to having that psychoactive side as well, right, you know, how much of it is coming from that you know, cuz cuz pain is so mental anyway, right? It's interesting. Yeah, I don't know and I also the theory that my friend also change is that it takes like a shitload of CBD to really really helped which is why the THC he thinks kind of balances that and sort of works a little better if you have both so I I don't know I could have thought of my mind and just been biased but I swear that like having the balance of the two seems to work best for me at least. Yeah. I know that there's a lot of strains out there that are are one to watch even Edibles. You know, it's a 1-1. All right. Well, I'm sure that sort of topic will come up again. But how do you think others would describe you well? Hi, has anybody actually just said that to you munchie Mindy is the name that I.
"mindy" Discussed on When I'm High
"Hello everyone. Hello to all of you Stoners and potheads and we'd fix and whatever nickname you like to call yourself. Welcome to another episode of when I'm high. But you know as you probably know if you've been listening to this podcast, this is not about when I'm hi. This is about my my subjects there. You you heard her laughing my new subject. This week is Mindy Mindy is the host of a podcast which I am very involved with and I'm just going to let her go ahead and introduced herself and say what she does sure. I'm hi Spencer. I'm the co-host of the podcast horse talk horror game with a share and my my cohort who is also a cohort of sponsors and sponsors are fearless producer on that show. I'm also a medical school. Marijuana user and a breast cancer survivor who For Whom the medical marijuana process was fairly integral so glad to be here to talk about it..
"mindy" Discussed on WTVN
"You and your family. Here's Mindy Dreyer and Michaela Hunt with what matters on used radio 6 10 w TV END Perhaps today isn't the best day to hit the trails across Ohio and see all with this great state has to offer. But fall is one of the best times of the year and the Buckeye State, ma'am, a Claire in the director, Ohio traveling tourism is with us now and that you like all the seasons of the year where there's something a little special about fall, you agree. Simon in Michaela, I absolutely agree the fall. I mean everything from the wonderful food from all the harvest that are coming in to the beautiful leaves that they change its special time in Ohio. I mean, you even created a sub page on Ohio dot org's for all of these things, 100 things to do in Ohio this fall. Matt, what kind of variety is on this page? That's right. In Ohio, you can find it here and right now in Ohio, not argue, confined are popular 100 things to do in Ohio this fall. You know what? It's fun just to remind people even in this year, there's so many things. You can still do in our state on the list. You'll find the wonderful coffee shops across the high. Alright, you could get that pumpkin fights at a local place like Fox in the snow in Columbus, Ohio, where the coffee pot in Dark County. You also find those trails and hiking 75 state parks across the state of Ohio and the Ohio Department. Natural sources has created a passport that you can buy it any of the state park watches to give you information on all the state parks and you can check him off. As you go and visit him this year. So how much is a passport like that, then that I believe it's $10. That's great, which is basically like to take on. It's funny cause you're mentioning, you know, coffee shops before that, you know there's kind of the coffee trail in Columbus. Other cities have done things like that. I love that. We're doing that for parks. Now. That's an incredible thing to do during this time where we need to get outside and kind of keep our space from other people. It is and you'll find trails like that. Also in Ohio dot or what we're seeing is people want to go and do things locally, and if it's a drive thru type destination this year, it's become very popular, so they're seeing whether it's Wine trails there's coffee trails or the hiking trails as well being very popular in 2020. A lot of people want to go. They get their thrill this time of the year with Halloween in this month, Emily, our producer, It's her favorite holiday. She could celebrate Halloween every month of the year. But do you know if most of the big haunted houses are haunted attractions across the street? Are they open this year? This year. You have to think of things a little bit different and some R sum or not. We always going to remind people to be safe. And where the mask social distance when they go out, But I do have some alternative for Halloween here like miniature. Yeah. Go ahead. On 100 things to do list. You'll find our eerie encounters, including the different hotels across the state of Ohio Letter one dinner rumored to be haunted by that, and yet the bust in and and Grand villas, one that's known for Ghosts and also the Hilton Netherland Plaza in Cincinnati, Ohio. Rumor Daddy Lady goes out on calls and then the Stork Tudor Arms Hotel in Cleveland. Those are three of many hotels we have listed out or are some of these castles on here to Matt. I've heard so much about these places. My family really has to get in. Check these out. The other really castles in the state of Ohio and a few of them you can even spend the night one of those is Raven was castle. It looks truly like a traditional medieval castle down there near the Hocking Hills. Yeah, You can spend the night at some others you can visit or drive by, But there's over a dozen castles. People don't usually think about that night over dozen castles in the state of Iowa. No, I was going to say that you really don't think Let's go across the state and visit all the castles because you think of royalty. But if you look at the tradition of how these castles will build, we took our family.
"mindy" Discussed on Switch4Good
"People had a cook and eat well and loves eating. That's one of the problems in our country especially is we have this focus on I'm eating something I feel guilty about eating, and so I'll either Russia or I'll be standing or I won't just sit in saver and be satisfied. Foods addictive I know is addicted to it for fifty years dairies addictive. And you both were athletes and yet mindy is now saying that you know diet is eighty percent of your health and fitness fit for life. You know if you want to be fit for life, you have to eat well to you just can't have strong muscles while Mindy. Which? When she won the World Aerobic Championship in the National Robot Championship like a hundred years ago. You she ready. She weighs now and we now both workout less than we ever have. We're better. We're better physically flexibility. Anywhere both we both feel better redoing our twenties and thirties I. Just I created a couple of years ago program called fluids strength because I noticed that my flexibility was so much more profound than ever in my whole career and I'm fifty nine. And if if I can squat low and extend and reaching twist and pull without any any feelings of fatigue or or angst or anything, it's just it's it's all it's diet. It really is food I, and the other thing too is, I want people to work out because they enjoy moving and moving throughout the day. So we follow of attendance of the balloons people that live the longest pockets around the world, and they're not going to a gym and working out for now or and feeling like they have to. They're just moving throughout the day and Brazil I travel a lot speaking and we noticed different Pockets of of old people like Italy walking the streets and they never go to a twenty four hour fitness or a gold's gym. They just move and they move beautifully and there there over one hundred. So that's what we advocate. We advocate this balance of wellness.
"If you look at what's been going on deals or partnerships that are being put in place so we're they're out there. They're working quite well. We're not seeing too significant of an acid dropping. By the way I think if you look at where where the market is today at this exact time. Actually I'm sorry it's up Equities report over two percent. But you look to one year number mindy on the equity markets were flat so relative basis. These firms are doing very well And I I really feel like from what I've see with our Braun pipeline again. I have like for my seat. I could see across all eighteen partnerships in the west side and in the three or four service firms. I mean we've twenty five businesses in our ecosystem. I don't think people realize that you have that much going on In the Goes on a daily basis. Mindy Digress for a minute we cut over a thousand firms between our credit business equity business and are Serbs partnerships. We touch a lot of firms. A lot of operators tons of households directly indirectly. And what I can tell you. From that perspective. From that viewpoint the firms are doing well ones were invested in. We'RE NOT INVESTED IN WEALTH. Management is a great business to be in in. It's one of the things mindy that we would all agree outside of financial services if we take our hats off for a second look in from the outside wealth managers are needed for all different types of families and people. These businesses are going to survive and do well. They're gonNA grow off the back of this because they are an essential service to indeed. I couldn't agree with you more. You had a bird's eye view having been an early stage partner at dynasty financial partners and I guess one of the things I think about is that firms like dynasty who around a decade ago came on the scene to be really a major player in this ecosystem in from where I sit really enabling breakaway advisors to do it into do it well because before dynasty came along there were two major. Things that prevented would be breakaways. Wirehouse advisors or advisors that were employees brokerage firms. Going independent one was turnkey way to get there. The simplicity felt like too much of a heavy lift and to was access to capital these people that were walking away from uninvested for trump and the notion of moving without deal. Money was anathema. So what do you think? Dynasty success in the past decade says about the dialysis were of advisors who have and are continuing to break away from the wirehouse world. So I guess I'm shifting to the industry as a whole through and what do you think dynasties role was in? Fostering that growth. And what do you think it's GonNa look like going forward Oregon bias right. I was there on day. One and I had the good fortune to sitting next to Cheryl Penny in todd and had Swenson in that team watching everything come develop on the back of a Napkin and then on a whiteboard and then in the office that we releasing their in midtown. So the first thing I would tell you. Dynasties a pioneer in the independent space. You have to commend them day. I'm speaking outsider. They've really blazed path for people to open companies and to have confidence confidence. Is The key word here confidence around what it is they can do versus what it is. They're afraid of. I mean let's just cut to it. There was a lot of fear before firms like dynasty in the space around the unknown of what it really meant to be independent and businesses back in December. Two thousand ten and we were like it was yesterday at that point. I feel like there was an opening of transparency less dark corners more knowns which in turn create more confidence so so what that did is it helped catalyze further the movement of people running fully towards something. I think it helped in his help. More and more each year mindy with firms like dynasty with merchant other businesses in this face. It's helped advisors who want to build their own companies realize. This isn't about me running from a bank or a wirehouse. The bank is not bad. This is about me running towards my next endgame my future my legacy right might vision. That's where the businesses going today. And I think if you see where it is it's just getting stronger. Momentum is picking up. We hit little speed bumps or big potholes like this most recent one but all these companies mindy in. I'm not preaching. I'm just stating what I see. They're built to address. These firms are built to last. They're centered around people that run them in their centered around. The families rely on them and none of those things are going anywhere. Do you think if any are the biggest issues that the are a principles or a space will need to solve for now and into the future whether it be as a result of this covid crisis or anything else. I honestly don't know that the issues are changing much from this point forward including covert right. You've got the need to optimize return on time. You've got the need to ensure case in point today more than ever though that you are durable business. Sometimes that's capitol related sometimes. It's not cap related. Sometimes it's outside partner needed. Sometimes it's just internal you've got off the back of that the need for succession. It's unbelievable still to this day. I feel like too many people in this is this is actually a big issue. I feel like too many advisors don't plan for succession until it's too late or almost too late. So that's a big piece of the industry. The just seems to be talked about a lot but not put into practice a lot to me. That's not a problem but it's an issue that has to certainly get more attention than than growth is always one. The People WanNA talk about but unpacking. What growth means for principals for operators for advisors in these organizations? It's you want to grow do you grow. What's the best way to grow and at the end of the day? What's definition for your firm of responsible growth? How do you achieve responsible growth? It's not about how many you can do how many acquisitions you can make clients. You can onboard because the minute you make a mistake and you bring the wrong component into your home. Meaning your firm. It's very hard to take three more steps back to go back to where you were before you got. I think what I'm really trying to say India's as these firms grow really all the firms merch included we. Have we think everyday about what can be done to us? Way Ahead of what can be done for us in. Sometimes you defined by more what you don't do and who you don't work with clients you don't take on relatives. The ones that you do. And so being contrarian in that ways I think really important as these principles navigate business ownership on their own..
"A channel for pershing for more than a decade and done extraordinary things in his tenure there. How lucky for you. I guess is the best way to put it to get to learn from the master all these years. What would you say are the most impactful lessons he taught you rate? Mindy will I just echo that? I've been so fortunate to work Slow closely with mark Really over the last decade and he's been such a great mentor to me and friend and I've learned so many lessons for mark through the years I've got to ride sidecar with him on. So many meetings know internal meetings meetings with prospects meetings with teams that were contemplating new business model. And I've even walked through countless airports or conferences with mark in have people stock him along the way in. This is the way the conversation would go. You might not remember me. You consulted with US ten years ago and we completely changed our business model and it's changed my life so he really had an impact on the industry and and he'll continue to. I think a couple of the teachings that he's taught me are around leadership absolutely running the team Around business management. You know. Mark was a pioneer of really bringing business management to the RA marketplace around people management marks. Great people manager and a great delegator and he really depended upon his team and also business consulting and everything that we've come to know about you know kind of marks expertise but I'd say the number one thing I would take away is that you need to put people first and from day one. We were always partners. Mark Never introduced anybody on his team that that they worked for him. It was always. This is my colleague or my colleague Christina in that really allowed us to run the day to day he delegated very well and You know he was a big personality and we needed that big personality in credibility as we built out our custody business to this to this point but putting people I was the biggest lesson And he always said that The the most important employees is more important than the most important client in. That's not to diminish clients and this is the same for advisory businesses but in order to have an enduring business. You've gotTa Take Care of the people I in your business that they can then take care of the clients and that was a really important lesson that I'll never forget. Yeah and a good one but let me unpack some of the things I know. He's a spouse over the years so one of the first lessons he taught me was that alone is the cheapest form of financing and affirmed shouldn't sell equity unless there were good reasons to do so and I think that added time when there are so many investors in the space and every day principles of a firms are getting calls from would be investors asking them to sell a portion of equity whether it means they're they're sort of mid cycle of their business or they're just breaking away and they're considering do I go it alone or do I take on. An investor sell a portion of equity as a way of taking some chips off the table upfront. So what do you think about that? What's your stance on that? The first thing I would say I agree with mark and I think what he would say which I agree with two is every situation is different. There's definitely pros and cons of both debt and equity financing and again going back to what I already stated you know. Mark has been masterful at kind of bringing these business management concepts to this entrepreneurial or a very in that's embedded in in our firm now from the way that we think about things for our relationship management business consulting teams so yeah equity tends to be more expensive but there so many new sources of capital coming into the marketplace. This business is so revered right now. And that's why we're seeing all this outside capital come in with equity you give up control to shareholders in you give up profits to shareholders and in that's in perpetuity of time and. That's something that mark always talked about night and I definitely agree with when you do want equity stakeholders in your business lesson that I learned. Is You equity? Stake holders always have to buy in. You shouldn't use equity to just give away. To in recruiting situations. The equity stake holders have to have skin in the game. It's a great tool for succession. So mark is also the kind of the godfather of succession in this business. And that was an important lesson that I learned to that equity as part of an emerging partners ability to buy over time creates that succession plan and gives them skin in the game of the business. And if you are going to bring in outside capital they've gotta bring something to the table whether it's intellectual capital and network that you can't get to ability to drive growth etc us you've got to be really careful about that on the other side assay on the other.