Capital Club

Karl Rogers is the Chief Investment Officer of Elkstone Private. Previously to Elkstone, Karl was a Managing Partner with Athlon Family Office, Head of US Power Trading with RISQ, Managing Director of ACE Capital Investments, a hedge fund manager, and a proprietary commodity trader.In this episode, Karl and I will talk about the rise of alternative investments in the family office space. We will also talk about the overall growth of family offices and how the space is playing out across Europe. Karl will also share how family offices are getting more and more sophisticated and his thoughts on diversification and inflation. Join us and listen in![00:01 – 06:54] Opening SegmentWelcoming Karl to the showKarl shares his backgroundHe talks about Elkstone PrivateKarl’s definition of a family office[06:55 – 12:35] Family Office: Difference from GPs and Global GrowthDecision-making differences between family offices and GPsWhy it's easier to get complimentary return streams across multiple asset classesHow family offices are growing across Europe[12:36 – 29:17] How Family Offices Are Getting More and More SophisticatedKarl talks about their venture clubInvestor benefitsHaving international investorsThe advantage of being in a multi-family officeWhy more investments are moving towards alternativesWhat they look for investment vehiclesHow family offices will continue to grow in the following years[29:18 – 36:25] Diversification and InflationDiversification for family officesHow liquid trend following can be an alternative to fixed incomeKarl’s thoughts on inflation[36:26 – 41:58] Closing SegmentKarl on the best investment ideas todayHow you can connect with KarlClosing wordsTweetable Quotes“We believe that more and more allocation and investment is going to move towards alternatives because of the opportunity set there and the outlook – the medium to long term outlook in the traditional equity markets and the fixed income markets.” - Karl Rogers“Saying you're invested or have 10 million in hedge funds, or 20 million in hedge funds, at a high level doesn't actually mean very much. What matters is the strategies and the markets that those hedge funds are operating in.” - Karl Rogers------------------------------------------------------------------------------------------Connect with Karl:krogers@elkstoneprivate.comwww.elkstonepartners.comConnect with me:LinkedInLIKE, SUBSCRIBE, AND LEAVE US  A REVIEW on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on. Thank you for tuning in and Stay Tuned for the Next Episode COMING SOON! Hosted on Acast. See acast.com/privacy for more information.

Jonny Price is the VP of Fundraising at Wefunder, the leading equity crowdfunding platform in the US. Before joining Wefunder in early 2018, Jonny founded and led the U.S. team at Kiva.org. Jonny lives in Nashville with his wife Ali, and three children Felicity, Carlyle, and Margot.In this episode, Jonny talks about how regulation crowdfunding changes capital raising and how it can be advantageous for both founders and investors around the country. Jonny talks about the two aspects of the SEC Regulation D that regulation crowdfunding changes. He also talks about the services offered by Wefunder and what sets the company apart from other similar groups. Listen in![00:01 – 07:00] Opening SegmentWelcoming Jonny to the showJonny shares his backgroundIntroducing Wefunder[07:01 – 20:52] Regulation Crowdfunding with WefunderWhat is regulation crowdfunding?The two aspects of SEC Regulation D that it changesHow investors can benefit from regulation crowdfundingHow Wefunder plays in the regulation crowdfunding spaceWhat sets them apart from other similar groupsHow regulation crowdfunding helps in customer engagementHow they helped Mercury Bank raise capital[20:53 – 38:19] A Look at What’s Ahead for Regulation CrowdfundingWhat the future looks like for regulation crowdfunding and WefunderCompanies that have worked with WefunderHow real estate fits in the regulation crowdfunding spaceJonny on the future of democratization of access to alternativesThe challenges for Wefunder moving forward[38:20 – 42:08] Closing SegmentHow you can learn more about WefunderConnect with Jonny!Closing wordsTweetable Quotes“Regulation crowdfunding changes those two aspects of Regulation D. Firstly, startup founders can now raise capital from unaccredited investors as well as accredited investors.  And then secondly, you can publicly promote the investment opportunity on social media... In those two ways, regulation crowdfunding, we think, is making it a lot easier for founders to raise capital.” - Jonny Price“The only people that get to benefit from Uber’s IPO and Airbnb’s IPO are accredited investors, and so much wealth has been created by startups. So the idea that we should share that explosive wealth creation around more broadly feels to me like a good thing.” - Jonny Price------------------------------------------------------------------------------------------Connect with Jonny and Wefunder:wefunder.comtwitter.com/wefundertwitter.com/jonnycpricejonny@wefunder.comConnect with me:LinkedInLIKE, SUBSCRIBE, AND LEAVE US  A REVIEW on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on. Thank you for tuning in and Stay Tuned for the Next Episode COMING SOON! Hosted on Acast. See acast.com/privacy for more information.

Badri Malynur is a Co-Founder and VP at Avestor Inc.(avestorinc.com), a real estate investment technology platform that allows investors to build custom real estate portfolios. Badri has extensive investment experience spanning a large variety of assets including real estate, stocks, bonds, cryptocurrencies, commodities, options, and angel investing.  He has co-founded two start-ups and has extensive management experience leading large teams at a Fortune 500 company. He has an MBA in Marketing & Finance and a Masters in Computer Science.In this episode, Badri talks about how you, as an investor, can create your custom real estate portfolio with Avestor Inc.’s investment technology platform. He shares the step-by-step process on how to do this, as well as some benefits the platform can provide investors and sponsors alike. Join us and listen in![00:01 – 05:59] Opening SegmentWelcoming Badri to the showBadri shares his backgroundRedefining how funds work in the industry[06:00 – 19:54] Building a Customized Real Estate Portfolio with AvestorHow Badri’s company helps investors build custom portfoliosThe step-by-step processWorking with sponsorsLowering the barrier to entry for investorsWhat the investors like about their platformHow the cash flow is handledOther investor benefitsHaving a single K-1Fees for investors[19:55 – 36:57] Looking Into the Sponsor SideThe two ways a sponsor can work with AvestorWhat they look at when getting sponsorsCreating a customizable feeder fundValue propositionsHow the platform is adaptable to your business modelOther sponsor benefits[36:58 – 38:54] Closing SegmentHow you can connect with Badri and Avestor Inc.Final thoughtsTweetable Quotes“What [the investors] like is not just the smaller amounts, they like the fact that it’s pre-curated, they like the fact it's all in one platform, they like the fact it's one single K-1, and they like the fact that they can pick and choose.” - Badri Malynur“A feeder fund is great, but if the users don't have the ability to choose what they want to feed into and it's a blind fund where they have to invest in everything, people don't want to do that. They still want the ability to pick and choose within the feeder fund.” - Badri Malynur------------------------------------------------------------------------------------------Connect with Badri:Web:  www.avestorinc.com Email: badri@avestorinc.comLinkedIn: linkedin.com/in/badri-sukumar-malynur503-860-8374Connect with me:LinkedInLIKE, SUBSCRIBE, AND LEAVE US  A REVIEW on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on. Thank you for tuning in and Stay Tuned for the Next Episode COMING SOON! Hosted on Acast. See acast.com/privacy for more information.

Keith Black has over thirty years of financial market experience, serving approximately half of that time as an academic and half as a trader and consultant to institutional investors. He currently serves as Managing Director of Content Strategy for the CAIA Association. He has contributed to the CFA Digest and has published in The Journal of Wealth Management, The Journal of Trading, The Journal of Investing, and The Journal of Alternative Investments, among others. He is the author of the book “Managing a Hedge Fund,” as well as co-author of the second, third, and fourth editions of the CAIA Level I and Level II curriculum. Dr. Black was named to the Institutional Investor magazine’s list of “Rising Stars of Hedge Funds” in 2010.In this episode, Keith talks about cryptocurrency and digital assets. He breaks down what cryptocurrency is and what value Bitcoin and other tokens like Ethereum brings to the table. Keith also shares his thoughts on cryptocurrency’s volatility and what investors should know before getting into the digital asset space. Join us and listen in![00:01 – 02:17] Opening SegmentWelcoming Keith to the showKeith shares his backgroundGrowing up the trading areaEducating the world about alternative investments[02:18 – 16:33] Breaking Down Cryptocurrency and Digital AssetsWhat is an alternative asset?Keith on alternative investments becoming more mainstreamCryptocurrency and digital assetsDecentralizationDistributed ledgersThe key innovation of BitcoinBitcoin vs. other tokensWhy a vast majority of digital tokens are worthlessWhy you have to look at the value and functionality of a digital asset[16:34 – 28:02] Cryptocurrency’s VolatilityCryptocurrency as a medium of exchangeVolatility in the crypto marketStable coinsAn exchange vs. a walletThe value of cryptocurrency and digital assetsComparing it to the stock marketWhy are cryptocurrencies so volatile?The role of social mediaBitcoin’s limited supply[28:03 – 48:15] What You Should Know Before Investing in CryptoWhat investors should know before getting into cryptoUnderstanding the risksMathematical drivers of how risky your portfolio is going to beHow you can access these tokensLiquidity in cryptocurrencyCryptocurrency and inflationOn regulations[48:16 – 51:58] Closing SegmentKeith on the gold standardHow you can connect with KeithFinal thoughtsTweetable Quotes“Just like you have a stock market with different industries, with the large-cap stocks and the small-cap stocks, the digital asset world is the same thing. So you have to look at ‘What is the value or the utility of this good or service?’” - Keith Black“In this decentralized world, the code is the law and your assets are the assets. If you can show a specific balance in your Bitcoin or  Ethereum, you do have access to cash, even when a centralized counterparty like a traditional bank might not give you liquidity there.” - Keith Black------------------------------------------------------------------------------------------Connect with Keith: https://www.linkedin.com/in/keith-black-phd-cfa-caia-fdp-8b16344/Connect with me:LinkedInLIKE, SUBSCRIBE, AND LEAVE US  A REVIEW on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on. Thank you for tuning in and Stay Tuned for the Next Episode COMING SOON! Hosted on Acast. See acast.com/privacy for more information.

Investments come second in family offices. Today’s guest, Thomas Kim, talks about why in this episode. Tom is the President and CIO of The Agnew Company, where he's responsible for the overall leadership of the company and its broadly diversified investment portfolio. Tom holds a B.S. in Chemical Engineering from Cornell University and a Ph.D. from The University of Chicago.In this episode, Tom talks about why a family office is more than just the investments. He dives deeper into the element of purposefulness in a family office and why this component is often missed. Tom also talks about cultures in a family office and why it’s important to know whether something is a passion project or not. Listen in![00:01 – 07:05] Opening SegmentWelcoming Tom to the showTom shares his backgroundGetting into alternative investmentsHis background in commercial real estateEarning his Ph.D[07:06 – 20:17] Why Investment Comes Second in a Family OfficeTom’s definition of a family officeWorking in a family office vs. working in Wall StreetWhere family offices are in the current financial ecosystemThe element of purposefulness in a family office[20:18 – 35:54] A Closer Look at Cultures in a Family OfficeTom talks about cultures in a family officeCultural differences in various family office developmental stagesFact patterns Tom has seen in sustainable familiesWhy it’s important to be clear about whether something is a passion project or not[35:55 – 42:29] Closing SegmentThe evolution of real estate in terms of family officesClosing wordsTweetable Quotes“That purposefulness of the family office – once you say, ‘I want an office, I want to somewhat more responsibly structure how my capital and my wealth is being managed and do it not just for me, but for my partner, my wife, my children, their children, their children's children.’ – it's a more social and more symbolic gesture to what it means to be part of that family and your responsibility to society at large. I think that element is sometimes missed.” - Thomas Kim “Whatever you do, no matter how big or small you are, one of the due diligence questions should be is, ‘Is this a passion project or not?’” - Thomas Kim------------------------------------------------------------------------------------------Connect with Tom: TheAgnewCompany.comConnect with me:LinkedInLIKE, SUBSCRIBE, AND LEAVE US  A REVIEW on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on. Thank you for tuning in and Stay Tuned for the Next Episode COMING SOON! Hosted on Acast. See acast.com/privacy for more information.

Data-driven analytics is one of the best ways to achieve efficiency in the real estate market. This is what Stefan Tsvetkov will talk about in this episode. Stefan is a former financial engineer (Columbia MSFE) managing ~ $90 billion derivatives portfolio jointly with colleagues. He's a multifamily investor across several strategies and a real estate analytics speaker, having published his own metrics in the field. He's also a managing Partner at Pepela Capital, a real estate investment firm, Founder of Envvy Analytics, an investor-geared real estate analytics system, and Organizer of the Finance Meets Real Estate webinar series.In this episode, Stefan talks about how data-driven analytics can boost efficiency in the market and why it’s becoming more important in today’s modern world. Stefan will also share his real estate investing strategies and his thoughts on the current opportunities in the real estate market. Join us and listen in![00:01 – 02:24] Opening SegmentWelcoming Stefan to the showStefan shares his backgroundFinancial engineering[02:25 – 18:07] How Data-Driven Analytics Can Boost Efficiency in the MarketStefan’s thoughts on the current market efficiencyHe talks about commercial real estateWhy it’s easier to realize outside gains in real estate vs. other spacesBeing data-driven in real estateHow data-driven analytics fill inefficiencies in the marketThe benefits of machine learning[18:08 – 31:24] Real Estate Investment StrategiesIncome side strategyCondominium conversion strategyOther residential arbitrage strategiesOn purchasing propertiesThe opportunities Stefan is seeing in the current market[31:25 – 43:56] Closing SegmentPrice appreciations in different markets in the USHow you can connect with StefanClosing wordsTweetable Quotes“If you're not looking at the data, you don't have intuition and you don't know what's going on.” - Stefan Tsvetkov“A commercial multifamily investor can say, ‘You can just direct mail to all, there are just about 100 buildings or 50 buildings, right ?’ That's true, but once you do it this data-driven way, you have more intelligence. You can also be more market diverse.” - Stefan Tsvetkov------------------------------------------------------------------------------------------Connect with Stefan on LinkedIn and his YouTube Channel!Check out Envvy Analytics: https://www.envvyanalytics.com/Connect with me:LinkedInLIKE, SUBSCRIBE, AND LEAVE US  A REVIEW on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on. Thank you for tuning in and Stay Tuned for the Next Episode COMING SOON! Hosted on Acast. See acast.com/privacy for more information.

Welcome back to the Colloquium! As many have recognized, trading volumes have continued to expand as a new army of social media-enabled day traders push stocks to record highs and have turned companies into market sensations. To dive deeper into what’s fueling the momentum in meme stocks today, industry experts Madhur Sarda, Ryan Payne, Jeff Kilburg, and Dave Maney joined me for a roundtable discussion. In this episode, the panel will discuss the rise of meme stocks and how investors have made massive profits through them during the pandemic. We will also talk about SEC and FINRA’s recent regulation moves and how they can affect the future of meme stocks and decentralized finance. Join us and listen in![00:01 – 05:17] Opening SegmentWelcoming today’s guestsEach of the guests shares his background[05:18 – 28:50] Meme Stocks: Definition, Profits, and RegulationsWhat are meme stocks?Its emergence during the pandemicThe impact of RedditOn regulationsSEC and FINRA’s recent movesHow small investors have made profits through meme stocksGameStop gainsRobinhoodWhy meme stocks are historic in terms of fundamentalsWhy diversification and understanding your assets are still key long-term[28:51 – 42:07] Meme Stocks’ Impact on the Financial Services WorldWhat meme stocks mean for financial services in generalHow meme stocks have changed the way companies please investorsHow regulators can impact the future of meme stocks and cryptocurrencyAre meme stocks here to stay?[42:08 – 47:46] Closing SegmentThe democratization of access to assetsHuman nature repeats itselfClosing words from our guestsTweetable Quotes“What's important now is that we are going to continue to see volatility, we're going to see dislocation in the market, and that's a great trading opportunity. You have to be careful, you have to use stops, but from a true trader’s perspective, this is historic… I know we have stark moments every couple, 5, 6, 7 years, but this really is historic when you actually look at the nuts and bolts in the fundamentals of the stocks the way they're trading.” - Jeff Kilburg“If I'm thinking about just winners and losers in the financial services business, it's not who's paying attention to or driving their train based off of meme stocks or what the folks on Reddit are saying, but who is somehow gathering and channeling all that information to use it as a powerful force.” - Dave ManeyResources Mentioned:Devil Take the Hindmost: A History of Financial Speculation------------------------------------------------------------------------------------------Connect with me:LinkedInLIKE, SUBSCRIBE, AND LEAVE US  A REVIEW on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on. Thank you for tuning in and Stay Tuned for the Next Episode COMING SOON! Hosted on Acast. See acast.com/privacy for more information.

Families who share assets must successfully navigate the joining of their emotional and financial lives. In this episode, Bryn Monahan (and Relative Solutions) focuses on the questions that emerge from these shared risks and opportunities and in a calm and neutral manner, help families navigate these complexities. Bryn talks about the recent growth of family offices and what you should remember when attending conferences about family offices. Also, Bryn talks about how you can get family members more involved in a family office and how you can improve communication within the family. She also shares her definition of a NextGen and her thoughts on when partners should have prenup conversations. Join us and listen in![00:01 – 03:11] Opening SegmentWelcoming Bryn to the showBryn shares her backgroundThe service Relative Solutions provides[03:12 – 13:50] Family Offices: Recent Growth and Attending ConferencesBryn’s definition of a family officeGenerational wealthSustainability of wealth over timeWhat drives family offices’ growth in recent yearsWorking with family officesWhat you can learn from attending conferencesWhy you have to take what you're hearing with a grain of saltEvery family is different[13:51 – 34:13] NextGen, Prenups, and Improving CommunicationWhat is a NextGen?NextGen vs. Rising GenGetting young people interested and involved within a family officeThinking about the family unit as a wholeFamily philanthropyHaving a young person visit the family businessDeveloping leadershipThe wrong way is to just do nothingOnboarding nonlineals, outlaws, significant others, and spousesWhen should you have the prenup conversation?How to improve communication in a family[34:14 – 38:58] Closing SegmentBryn talks about SEFOF (Southeastern Family Office Forum)How you can connect with BrynClosing wordsTweetable Quotes“There's so much value with conferences, but I'm suggesting that you take what you're hearing with a grain of salt. And that grain of salt being ‘My family is different from the family I'm hearing about.’... The ideas are valuable, but you need to take that to your family and figure out how to rearrange the ideas you've heard to make it work for your family.” - Bryn Monahan“It's important that the spouse understands and feels comfortable with the familyness of the family. Again, it all comes back to the family. How can you make a new person incoming into the family feel comfortable with the family? If you can do that well, I think you're all set, no matter what your decisions are around the access a spouse has otherwise to the financial information.” - Bryn Monahan“If the only meaning of the money is the money, it's very hard to have a cohesive family infrastructure, be it an operating company or a financial family office. There has to be more to it.” - Brian Adams------------------------------------------------------------------------------------------Connect with Bryn via her email and LinkedIn!Check out Relative Solutions on their website: www.relative-solutions.comConnect with me:LinkedInLIKE, SUBSCRIBE, AND LEAVE US  A REVIEW on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on. Thank you for tuning in and Stay Tuned for the Next Episode COMING SOON! Hosted on Acast. See acast.com/privacy for more information.

Welcome back to the Colloquium Podcast! In this episode, I welcome Leonora Zilkha Williamson, Tom Levinson, and Elizabeth Kieff! Tom Levinson and Elizabeth Kieff are a husband and wife team and founders and principals of LK Advisors. Elizabeth is also a psychiatrist, coach, and avid sailor. Tom also helps lead a family-owned investment advisory firm (and is working to improve his 3-pointer). Leonora Zilkha Williamson coaches families in business. With a 25+ year career that includes time at JP Morgan, BCG, and Estee Lauder, Williamson is now an International Coach Federation Professional Certified Coach with a focus on family business leaders and the governance, family, and operational systems that support them. In her spare time. she teaches  Negotiation and ESG to undergrads at Vanderbilt University. She serves on the board of her family's company, Sabre Yachts.In this episode, our guests talk about what makes business families successful and how they, as advisors, can make important conversations about the transition of wealth less uncomfortable, more fun, and creative.  Join us and listen in![00:01 – 08:11] Opening SegmentWelcoming today’s guestsLeonora, Tom, and Elizabeth share their backgroundsWhat LK Advisors provide[08:12 – 20:21] Fact Patterns That Made Families SuccessfulLooking at family systems through a three-part lensFamily in the family systemBusiness operations of the familyOwnership and governance structureThe power of core principlesDiscernment and communication toolsElizabeth on how the coaching mindset help work with familiesCreating fun but important conversations[20:22 – 35:31] Adding an Element of Fun and Creativity to Important ConversationsManaging energies associated with money during conversationsElizabeth on the things they do when interacting with familiesUnderstanding of what humans need across their life cycleDeveloping a curriculum that makes it funExamples of the games they play/organize[35:32 – 37:01] Closing SegmentHow you can connect with today’s guestsClosing wordsTweetable Quotes“We created LK advisors with a few bedrock truths in mind. One is that family can be wonderful and complicated. The second is that wealth can be a blessing and a burden. When you combine wealth and families, there's a great deal of possibilities. Also, too frequently and unfortunately, a great deal of pain and suffering.” - Tom Levinson“Structure is incredibly important,  but adding to it a deepening of discernment and real communication tools allows families to have a process that works.” - Elizabeth Kieff“Sometimes in life, we tend to overlook the things that are really important because we're focusing on the things that are urgent.” - Leonora Zilkha Williamson------------------------------------------------------------------------------------------Connect with Leonora on LinkedIn! Connect with Tom and Elizabeth via their website or email!Connect with me:LinkedInLIKE, SUBSCRIBE, AND LEAVE US  A REVIEW on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on. Thank you for tuning in and Stay Tuned for the Next Episode COMING SOON! Hosted on Acast. See acast.com/privacy for more information.

Welcome back to the Colloquium Podcast! In this episode, I welcome Alex Jahangir! Dr. Alex Jahangir is a professor of orthopedic surgery and medicine. He's an orthopedic trauma surgeon and director of the division of orthopedic trauma at Vanderbilt University Medical Center. Additionally, he is the Executive Medical Director of the Vanderbilt Trauma, Burn, and Emergency Surgery Patient Care Center. He is the current chair of the Metropolitan Board of Health of Nashville and was named chair of the Metropolitan Nashville Coronavirus Taskforce in March of 2020 by Mayor John Cooper. In this episode, we take a closer look at Dr. Alex’s experience of responding to the COVID-19 pandemic. He shares how the first 30 days of responding to the virus looked like. He also talks about the response from the state and the federal government and what he thinks he and his team could have done better. Dr. Alex also shares his thoughts on vaccination rollouts and anti-vaxxers. Join us and listen in![00:01 – 08:14] Opening SegmentWelcoming Alex to the showAlex shares his backgroundBeing an orthopedic trauma surgeonHe talks about his position in the National Board of HealthHelping the community in Nashville during the pandemic[08:15 – 18:59] What the first 30 days of Responding to the Pandemic Looked LikeHow his training as a trauma surgeon helped in dealing with a crisisBuilding a communications teamAlex on what they could have done betterHis thoughts on the response of the state and the federal government[19:00 – 32:45] On Vaccine RolloutsWhat the health department did rightPurchasing a lot of cold storage earlyPartnering with the state and pivotal organizationsHow Nashville is doing on vaccinationsAlex on the state distributing vaccines on a county levelAlex’s thoughts on the vaccines being politicizedHis thoughts on anti-vaxxers[32:46 – 36:36] Closing SegmentAlex on dealing with fatigueIs this something we just live with forever?How you can get more educated about the virus and vaccinesClosing wordsTweetable Quotes“It is fascinating to see what happens when you put out a lot of money and every resource and take out red tape, how the world can do great things. Vaccines have come out, [that’s] what happens when a bunch of people roll in the same direction and you take away bureaucracy.” -  Alex Jahangir“People listen to leaders. Whether that leader is is a president, or a governor, a pastor, leadership matters. I don't know why people feel that division is so fun and so important. I think there are a few people that really do it, and they know how to manipulate the system. If you asked me what lesson I've learned over the past 18 months, [it’s that] we need to re-engage in civility.” - Alex JahangirResources Mentioned:https://www.vaccines.gov/https://getvaccineanswers.org/https://covidactnow.org/------------------------------------------------------------------------------------------Connect with Alex on Instagram and Twitter!Connect with me:LinkedInLIKE, SUBSCRIBE, AND LEAVE US  A REVIEW on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on. Thank you for tuning in and Stay Tuned for the Next Episode COMING SOON! Hosted on Acast. See acast.com/privacy for more information.