All right, let's see You know, it's interesting even though this thing turns It doesn't let me Set it right What's up? What's up? What's up everybody? Welcome. Welcome. Welcome. Welcome. Happy Wednesday hump day Make sure you drop in there where you're from What's your business? What's your industry? Hold on. We got somebody who went live already Let me see I'm doing good. How are you? Yeah Finally got to go on to your To your page. Oh Nice. Nice. Nice. Welcome. How are you? Yeah, where are you calling from? We're in Fayetteville, North Carolina. Fayetteville. Okay. Okay. What industry you in? What industry? Oh So my wife is in the military. So but we started up a Sanitation business, okay Nice Congratulations. Thank you. Yeah. So tell me tell me about the sanitation business you're starting. So basically it's It's more it's can control Of course the COVID, you know, but it controls a lot of other viruses is just okay Like disinfect it. Yes. Okay. Okay. It's it's so It's it's so different. It's not any kind of other chemical It's not coring or anything so basically to put it in a shorter term Like you can get actually water from a river and put in a low and lower dosage into the water So it would be drinkable it'll kill all that bacteria Nice. The water has within less than Then five minutes Okay. All right, so we go in we actually go and we spray in and it lasts for seven days Well, you know bacteria and viruses it takes time to grow, you know, right? But with the product You can get and to maintain the high traffic areas And not have to use that bleach where it can affect people's lungs their You know they in breathing and everything else, okay, okay, okay Yeah, so we're caught. We're named East Coast bio Sanitation, okay So you can see in hey Jake and you have a Here we go. So and then I'll see you a link so you can go on to our website Someone someone just said that you there's a FA source of sawed out for this kind of stuff that you're doing That's a what? Someone just said in a text on the message that there's a source of saw for your type of services that you're offering right now for the FA Yeah, so this is Eric. This is Jay Um So Eric so he helps a lot of people get what? government contracts and stuff like that and so he usually puts on a Like a video chain of people they're upcoming business. What do you want to do? He can probably help us guide us solicitation out for what we're doing because it's kind of niche then we find out where that's a good block They have one look look if you look at the chat someone Is texting right now there's a solicitation out for the FAA for a cleaning solution for 7000 workspaces Yeah, right there right there My people work listen my people go to work Absolutely My people we we are I tell people we're like Starbucks. Okay, like you know, you're gonna get high quality service When you come to us, right? So jr. Say he can email it to you He's put his his text in there You can also email Maria And we could connect you to the FAA one that uh, but they have out now so, yeah, I can um Do you want me to speak out my email or just go ahead and type it in? um, whichever Listen, this is Whatever you feel comfortable or Maria can drop her email in there and you can you can um send it or you can DM us afterwards However, you want to do it look Maria just put her email on there jr. Put his email on there. Take us snap a Capture of the phone and then have it for later Oh, okay. Got it. I see what you're saying. Yeah This is what you came on for right? Yeah, absolutely. That's what you came for Okay, okay, so let me see how we Can get uh, well actually first let's do this.  It's funny when you're not working on your own form. Oh, yeah What'd you say are you still in town coolston? Yeah, I am Not many people know that I'm sorry Confirm Is jl at ecbio decon.com your auto correct. It's killing me We'll get it here just to say that's okay. Don't worry. Listen. You can always message us afterwards and we could connect you but um Like I said, look, we're looking at the stuff every day. So we Again, I'm teaching people training everyone how to look up these opportunities And so, you know, we have people looking at what's out there what's available every single day Gotcha, um, and and that's you know, that's Ultimately what we're doing. So uh Yeah, but So keep going so tell us about the disinfecting solution and tell us like where where where are you using it now and where are you working with it now? Yes, well Actually it's compared to the traditional, um Uh floor rocks or that's how the heavy set hours is not as strong. So it's still hospital greens So unlike some of the traditions of where they they're using wipes right now Within the day or on a few hours really in this space our product actually lasts for a week Okay, so when you um when you run a Sensation, you know, it's good for a week. So you only have to do quality touch-ups for as people come in and out Because right from like, you know, you could sanitize the face But if somebody comes from outside and bring any other germs in we can leave at the spray bottle so that you have that Continuity while you wait for the following week. So I guess every single day um Is it is I I I hear what you're saying. Is it already been approved? Like by the FDA EPA registers sanitation and disinfectants Okay, okay. Good. Okay. Well, like I said, um You know there as as we showed you on the screen. There's a couple things that they're looking for now That's already out where they're looking for this type of disinfectant. So um The the sources sought that he's referring to what that is it's not a bid um, and what happens is you respond with your solution And then before they even put out a bid They can actually call you in to try your solution to see Right before they put out a formal bid and if they like it it works They may they may only send bids to the people who respond it to that So that's one of the ways that we get contracts. Um, without being publicly bid is we respond to the market research So you want to get in on the market research phase where they're asking for these types of solutions Like jr. Suggested in the chat Respond with all your paperwork all your credentials and everything like that Uh, and then You know, they'll definitely consider you for your solution if it if it works if it doesn't again if it does everything you say Correct. Yeah, right. So that's on you. That's your part to do right again. It's just make sure it does everything you say And we did um our own research prior to even uh beginning this like uh, I did a lot of the um The strategic analysis and um On on the on the business and the um information side of the house Okay, so the I'm also got ocean certified and we have sds information on Um on the materials everything that that's you okay because you know, they're gonna ask for all this stuff and ask for Everything So and that was the part exactly why because I realized well eventually this question is gonna come up But if we already have our ducks in a row and they ask for it We're not scrambling to go get it like no it's part of the packet already, right? I should put put together not just our flyer, but all that Information in there until they need it when they ask for it. It's one stop shop So it's kind of like, uh, okay. No, they're gonna ask you for all of your testing and all of the stuff. So, um But I would again Make sure you get that connection Make sure you get that information and definitely because Not only that he may Because I know jr. Is real hungry He's he you know, he may like send you some more stuff as well And we're typing in right now our website Yeah, type. Yeah, send him your type in your email for him to have Yeah, I did that already. Okay. Okay. Good. Okay. Okay. Okay Yeah, no, that's good. I like listen they are looking for solutions Got it and and and I can tell you this if you can test it And show that it works Right. We have people already in the cleaning industry that are part of the group Okay So but again, you've got to test it make sure it works make sure it gets approval, you know all that kind of stuff Uh, but if you can do that then I mean we have people that are cleaning high-rise buildings and things like that so, um You'll you know, it'll like if again if it works and it does everything we say Again, I can't you know, I can't make that statement because a lot of people come to me with products and offerings and new software and stuff and I always just say hey Again, whatever the government scrutiny is whatever they're asking you for If if it if it does all the past all those tests Then they'll use it everywhere Okay, yeah, someone just asked they say are you a janitorial service company not a janitorial service When they code it because then they nobody's ever done this. That's why it's coding goals. Uh, like in the n i cs codes so Yes, we'll follow the codes for janitorial because they didn't have us there is no sanitization one So what I was talking with the team was like what we could do is a strategic partnership with those that are really janitorial That right sanitization portion of it because otherwise we're doing um Going to realm that that's over the What we anticipated because everything that we calculated was for the um, Sanctizations not the janitorial and that's a lot more extensive. So we were like, well if we should um strategically partner with a janitorial Um services and do our portion of it now. We're just augmenting that Right, right, right, right, right. No, that makes sense. That makes sense Yeah, and we actually have a the north american industry classification systems, um code, but they still Okay, okay All right. Well, like I said, I mean there's definitely um There's stuff out here and um You know, like I said, I think the one that he's sending you is a great first start Absolutely because it's out now. It's something now like right now today. It's not like in the future. It's something out now Um, someone just put in there disinfectant a code 9289 Yeah, because I was different But just write it down anyways and take it and see what I mean They may be that might be a state code because it's too big to be a max code That looks like more like a state code I'll put that But I was at six is uh No, max codes aren't that big max codes are six digits. That one's too big. That's a seven digit code But take it out anyways, you never know. Um, maybe it's up. Yeah, I mean it doesn't help any research Any specific questions for me? No, I appreciate it so how after this, um We can stay in contact a little bit more The email that maria sent you is uh, the service at gulf con giants is my team Okay, so that's my people. So if you email them Then we you know, we all like we support The community and everybody Um, I don't do as much one on one with people. That's why I do these virtual because I'm just really busy trying to put together content You know like trying to train everyone so that uh, we could have Like help a lot of people at once. So Again, the people that are on here A lot of them are my students and the reason why they could suggest these things is because they've tuck in my training So, you know, and of course we have a course and all the kind of stuff that we you know that we sell but Uh, these are my students that have taken the training and they're learning how to do all this research And that's how they're able to when you said what you had they already knew about opportunities Because they've been studying and learning about this stuff But definitely if you have any concerns like let's say You don't know how to fill out the forms of the documents Email that email address service at gubcon giants and we have people that can help you Okay, and like I said, you can always DM me and the and the ig if anything Okay, got it. They're asking that someone just ask for your ig and your website.  We we dropped the website in there Put your ig in there so they can know what ig your ig Um, I don't have a question. What's uh, what is what's your ig the ig name? We don't have instagram We have facebook we have facebook But the one that you're talking from now, what's the one what's the name you're using now? Oh, oh, this is um Oh, what are we using right now This one Oh, put it in the chat type it in the comments. Oh, this is the facebook No, it's instagram. You're on instagram. Oh, instagram. Okay. Yes. It did cur and went into instagram Yeah, oh, I saw you come up. It gave me a message Of dove because like I liked your page, correct? Oh, so it told me when I came on So it told me when you came on On facebook because I didn't know because that's how I missed all of them because I didn't know that I had to like The page to get the notifications Exactly. Uh, okay. Well, just drop it in there for them to see whatever you want to drop in drop in there Some way for them to contact you your website Oh, okay because people are asking Hey, we're trying to promote you here Thank you. I appreciate it. Eric. Yeah, and then on the facebook page. You might want to drop in the facebook page as well All right, they have it someone said they see it they found it Okay, thank you. All right Hey, thanks for coming on Yeah, thank you. Uh-huh. Hey talk to you soon. Bye now All right, so we had um, that was a good first call Yeah, jr. They didn't they didn't know I mean look I think remember ig just started connecting to facebook and so a lot of people don't know um that kind of stuff so All right, what question is someone jr. Were you trying to go live? I saw some questions people asked let me Hold on. Let me go back and ask these questions real quick jr. Were you trying to go live? I saw you it said a request from you Thank you individuals Yeah, on my trucking hustle podcast. I'm glad you enjoyed. I love that intro by the way That was he did it like that was a really good job on that intro I love the intro Someone says what's the fastest way to get a certified? um The fastest way to get a certified there's no There's no fast way you just apply um Okay, all right Hold on On the 88 tip. Yeah, there's no fast way you just apply for a day Eric are you doing that? How are you guys? I hope everybody's doing well today. Yeah, we are we're doing well about yourself. You good? Not bad, uh, so You know, I'm coming up off of a a loss right now I tried to get a client for a source of salt that I thought was a slam dunk because when I looked in sam there was Only one person registered inside the hotel inside this next code rather It was a cool one. It was uh, it was for our hotels for temporary lodging. However And I was working with the hilton group, right? This is a hilton managed property. Yeah All the way at corporate. But anyway, I lost because they didn't want to do it because uh, they were they were just more comfortable going through Um Going through the prime because there's a prime who does this And the prime just usually just, you know last minutes pick somebody so they were comfortable doing that and that's okay, right? But that's crazy. Yeah, it was uh, it wasn't that much money It was uh, they were scared because of the per diem rate was lower than their market rate For the hotel in San Diego. If they're going to a prime, they're gonna get even lower than that I told him that uh, they were they were just very scared and I tried to you know I taught him all through the motions and everything how to do it um But you know, that's what it is. They uh, but you know what? um That's gonna serve you well.  Someone is sitting back questioning this and they're saying What was this? Wait a second. We had this guy call us about this. Yeah, and we went and went through Someone else we could have did ourselves directly Yeah, it doesn't even make that makes no sense That's funny. You say that because uh, then I went on my LinkedIn and I found uh, you know I found a higher contact to kind of just move back because uh, again This went all the way to corporate, right? Because this is a hilt managed property. So then I found somebody in my LinkedIn However, she was on maternity leave and she was actually the person You should have been talking to Well, yeah, they bypassed her because she was on maternity leave and she said and Nick And I found out I used to work with her in the same building in the military So she automatically we automatically had credibility and everything and this was um This is about I don't know about 20 million But it's it's okay, but I can tell you there So I'll give you a story to go come back to your story a buddy of mine Um, john is working down in miami. Oh, yeah john born. Yeah john. So he uh, he got He was talking to one of the uh facilities in miami And they talked about getting him seaman certified.  So he went on his LinkedIn connected with one of the executives exactly And because same thing like you said when he looked at the the list of seaman's reps in miami There's one guy way in Orlando and then the other guy doesn't even exist anymore. So he's like there's no reps here Like you don't have a local rep in miami and all of our metro rail systems and everything runs with seaman's electronics And they don't have a local rep. It's like wow It's crazy maintenance. Yeah and so When he reached up to the executive level They told him who we need to call in the corporation to get Certified it's a now guess what he's a seaman distributor. That's awesome, man So like don't i'm telling you you doing the right stuff like you just you just we're talking to the wrong person That's what I think. Yeah, I totally would happen You're talking to the wrong people. I'm telling you even with like Um, we're at one of these military bases Every time we finally get to the right people. They're so happy to meet me Like like you get me like when I was begging and screaming trying to get in Yeah, the people I was talking to you like no, you know, you got a bit of contact first You can't just get sole source work. We don't even know you you know, I'm like we do 20 million a year Why why do I need a bit of contact approved to you that we Look at what we do Here I'll drive you to one of our buildings. Yeah But when we get to the higher ups They're like, how can we didn't know about you guys? How can we didn't hear about you? I'm like All of these gatekeepers were standing away And so then they're pulling us aside and they're saying, you know Hey, we got a lot of work and we'll keep feeding you as long as you don't get greedy So I just think you were talking to a gatekeeper. Yeah, that's what it is Someone that didn't have You know, they're they they don't know they they're like again, you're in the military, right? So they follow instructions. They weren't decision-maker. They follow us like that security If they make a mistake, then they feel like it's there, you know, what? I'm not getting trouble for this guy. I don't know what That's all No, it's okay. But now I have one last question and this one's more so for the group So there's a source is sought in my area because I'm near san francisco and this source is thought is for janitorial And this is this is pretty massive. You have three buildings. That's in downtown san francisco However The person who is the incumbent on this contract is a day joint venture To me, I don't like that. I you know, I'd like to compete for every contract and this is their renewal contract I looked up. I have all the data from fps I'm just looking right now for You know, if anybody's in this group before I start the research because I I've been doing some other sources of research, you know, if anybody wants to That's a day wants to because it is a day set aside. We have a we have an a day company and I think san diego Okay, we have Lillani Lilani, okay. You see you probably seen us post about her before maria knows her Okay, I'm just looking out for if anybody but but she but she needs but I think you still need Yeah, it's a couple Oh Okay, perfect. All right, I'll go ahead and reach out to you guys But if anybody else in the call wanted to work on that, uh, let me know I'll drop my email and uh, You know, let's compete for this contract. Let's not let have these big companies. Just, uh, you know No, I agree. I agree. Okay. Maria's that she's a day and janitorial. All right Johnny, what's up, brother? All right, two good calls two good calls today All right, what else what else? Um Yes, we do deals here. We do deals. By the way, everybody that's on here, right use this as Like I'm telling you use it like we're at a conference like we're at a convention Put your industry put your city where you're from Let's connect, right? It does us no good to get on here and make this a one-way Communication Hey, put your city where you're from what city you're in and what industry in Chop that in here. So that way we can all start connecting Um, that's the best way to utilize this time that you're here on IG I was literally Uh, I was watching on netflix about like I forgot what the name of it is Uh, it's it's it's that program on how Facebook and google like they make us addicted to our phones with the notifications all this stuff But we can use it for good. We don't have to just use it for garbage, right? I mean, obviously if you're on here watching me you're serious and you really want to to grow your business in a photo arena And so for that reason, this is how we do it Every time we're on here drop your industry Not your company not i'm not really concerned about your company I just want to your industry because your industry we can Connect and then other people see what industry you're in they'll see where you're at And then we can start like making connections and then you'll know who else is in your industry Um, and you'll know Who else is in your industry and you'll also know Right like where they're located at and then you can start talking about working together. Oh, maria. Just put in our commitment last longer community I really believe that the biggest part of What's going to happen with gulf con giants is just the community itself and seeing how How You know, it comes together and we work together. That's really going to make a difference. Uh, my man trucking with us for life says Is bid sing a thousand dollars a year? um Something like I don't I don't know what we pay for bid sing. I'm not really sure Uh, but that sounds about right a thousand bucks a year sounds about right for bid sing Sounds about right, but I mean if you need if you need bid sing um Maria like if that's the issue for you we have bid sing so we could you know Like if you want us to put some codes in or something talk to maria. Maybe we can let you use our bid sing I don't care. Thank you. I'm glad nick that our community drew you to it He said thank you for the 15 minutes this morning guitar, what's up, brother? All good. How you been?  You know what? I'm gonna I'm gonna say this I I like y'all young brothers because y'all gonna make it happen Y'all you and jr like y'all are the the new jotties like we had another Y'all the new jotties right like y'all stay in my Y'all y'all follow me on IG y'all stay in our times Wait y'all look when people do that that's how you make it Because you're you're looking you're curious you're asking questions You're learning you're attempting stuff, right?  I just joined the course a while ago Still going through it and everything And I had asked this question in the group, but I wanted to ask you just because I know you you're pretty busy Starting off if you don't so first off, I'm coming in And I don't really want to be a Gov con contractor.  Just want to come in as a consultant. All right Um starting off if I since I don't really have a specific niche or anything like that. Yeah What do you recommend on it either finding one or where to kind of start? Um, I I always tell people Um It's so funny. I really this is this the question that people ask all the time I figure I talk to in fact um I was speaking with someone today Christina and I told her and I said look I can't talk to people for on the phone one-on-ones because these questions get asked Keep repeating myself over and over and over again. So this is a great question because hopefully Other people will hear it and then you know, like I can answer it one time when you're starting off. Remember this Okay We are going to be doing primarily business development. What I do is business development. Okay I am not meeting with the government and I don't I'm not the technical expert Okay, the people that you're talking to the government are not the technical When you're doing bd You're not speaking to the government's technical experts Does that make sense? Yeah, okay. So what I mean by that is Regardless of the industry construction it professional services You're not going to be speaking on behalf of that specific technical aspect of it Yeah, I'm going to be speaking on the uh, government contracting side of things right It correct. So your job would be to learn which is what you're doing the government contracting side You're going to learn The the rules you're going to learn who you should be talking to what you should be saying Right that kind of stuff. So you're going to be learning The right people to call And what to say And then you're going to be the ones helping set up the meetings and facilitate those interactions So that when it's time to talk to technical you bring your team To the government's team that talks to technical jargon but Up until that time Nothing you're doing is technical if you just heard what jr said He found a source of shot right for janitorial. He's looking for a company to match with janitorial company He doesn't say he has the expertise on any of that stuff True. No, no. Yeah, that's right so You don't have to have that expertise and and the whole point of the story is that meaning It doesn't matter the industry When you're coming as a consultant it matters the best company that you can work with So so the best person that you can partner up with who has all of the things That you need to help you be successful to help them be successful meaning this They have uh, people on your team that can support proposal writing Because we're going to have to do that they're going to need people on your team that know how to estimate the job Because you're gonna have to do that Right They're gonna have people in a team That are willing to make the commitment to meet with the government agents because you're gonna have to do that And in the course, I have a list like a checklist of things that you want them to be responsible for And so you'll see that in the consultant agreement We have already made the notes. Trust me. I'm going through it. I show you my screen right now No, I don't worry. I believe you. I believe you But I believe you so in the consulting agreement. We say Like they have to agree to certain things as well because oh god for you to be successful Like if you set up a meeting with a government agent and they don't make time to go to the meeting waste time waste effort Right, so you have to say to them.  You can only you can sell your company And what you you know what you have your experience and your past performance blah blah blah blah blah all that stuff Gotcha. All right. So another question with that mindset Let's look at okay the best possible company Okay, let's not look at industry Again for consultant. Let's look at the best possible company that you have access to that can check those boxes Okay, you're gonna ask something else. Go ahead. I'm sorry.  No, no, no, no, you're good. Um, so with that in mind um Do I who want to stick with? companies that Stay in the same state as me and also contracts that are in the same state as me Or does it does that not really matter? Of course, I would want to find like, you know A client that would be able to travel to wherever the job might be Um, it you don't have to work starting off You don't have to you don't have to work with clients that are in the same state. My my client is in Rhode Island I'm in florida Remember everything now is virtual True, but I do I do recall you saying in the course that You still want to be able to when you set up a meeting you still want to be able to go there in person To build that relationship. Yeah, when we do meetings to the agencies we go in person Okay, so when we meet with a girl and again, I fly up to meet with them Um, you know, I like I like I was just in Rhode Island last week two weeks ago Whatever, whatever. I think you know last week Whatever, I think last week or two weeks ago. I was up in Rhode Island the entire week. So it's not um You know, I was up there for a week. I met what everybody I met with the team We talked, you know, we went around we looked at some of our projects and all that kind of stuff but My last couple of meetings with the government have all been Like zoom meetings Okay, even tomorrow we have a uh a zoom um industry day of zoom So really nowadays, I don't You know, I don't even know if the government will allow you to have one-on-one meetings face-to-face right now I got so that doesn't matter to me. Um I'm not that that's that to me is not Okay, so don't limit yourself to where you would find a client and also don't limit yourself to where you would even Find a project for that. No because because the client, right? and again, let's go back to making the client a priority the The client is going to tell you the area that they cover Gotcha, okay. They're going to be the ones to set that that parameter not you Okay, and and and really And again, you know, I was telling someone today the same thing is Really what you want to do is if you had your pick of the litter Uh, I would pick the one that had the most revenue the most past performance Right the one that had the biggest team Okay, and that was the most capable of actually Doing the stuff that the government asked for so I would Say for example, right, uh go back to my video when we talk about IDVs So like I would come I would pre qualify anyone I decide to do business with and make sure like let's say Uh Whatever, let's say it I will now Um, or no, let's let's talk about what jr. Just mentioned the janitorial stuff, right? So let's say he's looking at this janitorial project for whatever three buildings Some millions of dollars. I would make sure like let's say if I was working with a janitorial company Can they meet these requirements? If they can't meet them You don't want to be you don't want to represent them Makes sense. Yeah, like you said you you want you want to work with the best you want to work with the best you can't What are you gonna what are you gonna do have them go on get 50 000 on contracts? No, I see what you mean that I'm being honest with you like if you're gonna spend your time and effort don't do that I got you the reason why I even Because I remember in the course um, and I'm happy actually put it There's actually a part where you kind of show people how to make you know Their first couple thousand dollars, right? I put that. Yeah, because of maria did that. Yeah, earn your first 5k. Thank you maria I did it because of maria because because maria said eric. You got to come back down to earth Maria brings me back down to earth. I'm like on mars somewhere maria. Shout out to maria for real then Shout out to maria. She's the goat, right? She brings me back to earth.  Uh, yeah a little bit. I was I had to go to work. So like I was there and I wasn't there All right, so let me let me just I'll just I'll just let me just Show you how that worked out. So because maria got those smaller contracts um, we were able to well or she was able to Parlay that into uh, another contract small contracts with another one of our students Okay, and then when another student Got a potential sole source contract They use maria's little jobs as past performance to give them the credibility they need to get that other sole source Oh, wow, that's awesome. So it it it became like people benefited from it Okay, I see so it did so it it did work out Um, so it was so it did end up being a good thing and that's why like I do have a video Uh, where I did say to someone I think she's still on here American elevators Where I said listen Okay, I know that I always talk big numbers, but no 30 40 000 contracts are not bad You know, we we're gonna be proud of every contract that we get so I had I retracted it. I don't want people to think that uh, 30 000 contract is a bad thing No, I'd said so I do have a video where I said that Okay, no, yeah, that's true But my my thing is I just like the um, I like your ambition I like the mindset of instead of if you're gonna go to consultant route Why start off small when you can start off big because you do have a student in the course that you did an interview Where I yeah, her first her first contract was worth 50 million her first. Yeah, her first client wanted 50 million contracts, right? Exactly.  Oh, you're about me. Yeah, exactly Yeah, you're by me. You're out in Naples. Yeah. Yep. South West Florida Naples, man. We have uh, Okay, this is what I would do. All right. This is Maria's jewel All right, we're gonna call it. We're gonna call it. We're gonna call us the Maria game plan right, awesome, so Um, and jody did it and it worked really well So he found so it's the same thing that jr is doing which is You find a kind you find an opportunity coming up And then you use that to find a consultant client because now when you call someone to represent them, you said, hey, we have a $5 million, 10 million opportunity on the table I would love to represent you as a as a your business development person to help put together all of the paperwork and everything to get you qualified for this opportunity People don't get calls like that every day That's true That's what you have to do no We did by the way Maria and I did that a month ago There was a big contract coming up for nasa for uh, a cape canaveral right down the street from us Right, okay, and we call maria called or email 10 a days And she got four callbacks. We had two or three meetings and we ended up getting Someone just like that and we're working with the guy today. In fact, maria's country. She just picked up with what that a day We met last month So we've already sold sorts of that guy with it a month. Okay Awesome. All right. I think I was I think you just answered the question. I was gonna say, um, how would you find out how much Uh an opportunity is worth though. No, if you It's published a lot of times are published Okay, because I figure like what I feel turned as so sour Go listen Look at soul source. Look. I mean look at sources Look at sources thoughts and r5 because no one is looking at that.  Just like what jr said. No one is looking at this stuff Make sure like that No one has an array dog. I can show you Like I pulled one down today Okay Hold on. Matter of fact, I might I might just walk y'all over here. I pulled one down the day my partner and Uh, we had one come out For the navy where I'm working at in fact, let's say she's not on here. She doesn't usually get on ig but she sent it to me, uh, it's for the rhodialin area 240 million dollars right and I'm already the prime gc on that base Like my 11 million dollars in context.  So we're responding We have another guy that's part of our team. That's responding. So it's gonna make two of us responding that we know each other That's what's the Okay Okay, I wrote it down. Look at uh, sole source and uh rfis Source of sought source of sought. Oh source of sought. Sorry about that. Yeah, source of sought. So look at source of sought and rfis Listen, but that's what you're going to use to take to your new potential client Okay, go back and listen what jerry just said. He just said he's in san france Three buildings sanitizing Look at that No, we'll do but again see he's looking at places that are close to him. So that's why I just want to know Listen, look at stuff at tando and aglenair for space Oh, yeah, I know I've seen some uh on the east coast in uh brawler You have um What's the place in alabama where they're doing us? um alabama Huntsville. I wasn't there. Yeah All rockets have come out of Huntsville. They're putting stuff out of Huntsville every day And but tando is huge My guy just picked up 10 million over at tando before the fiscal year ended and sole source I got you again. I'm not saying um I'm afraid to leave this state of florida because I don't mind traveling. Of course, you know, i'm still young what not Um, I don't mind going out to west coast where they're being nevada No, you don't have to go that far. That there's no reason. I'm just saying just in case Okay, yeah, but you don't have to go that far. No, you don't have to go that far. You don't have to go that far Stay here. Stay right. I mean listen tando when I uh, we went to a conference earlier this year beginning of the year and we literally They said Because of all the the hurricanes last several years Tando air force base agri-air force base They had so much work That the army corps of engineers had to have five different army corps of engineers To give out the amount of work because one group could not handle Putting together the amount of proposals and requests and solicitations to handle all the work that were given out Wow, that's awesome. So they divided the work between five different army corps of engineers Locations for the stuff here in florida and the panhandle Okay, you don't have to go nowhere Matter of fact, I look I'ma throw maria under the bus maria went to dc maria went to dc Hooked up one of our podcast guests and another guy and he told her he could give her millions of dollars of work at tando lair force base maria He told her he could give her the work Construction so it's out there. It's out there. It's out there Okay, it's out there. There's a lot of stuff coming out a lot of stuff coming out. So awesome. All right All right, um, you got it man. Thank you again. All right. Be good. Thanks for coming on Anytime. All right later All right, so Missy tarver You continue from last night No, actually, I got a new thing. Yeah, you know, I'm always working and networking and stuff like that. So, um I do have a call scheduled with that guy with the contract in, uh, washington For friday So yes, so we can talk on friday and you know, I fill them out and you know Get more information about that particular project project and then I decide whether I'm gonna let him know that Hey, I'm gonna be available next year depending on the start date and the hours, etc Now what happened today is kind of funny. I was on a zoom call Another zoom call. I have zoom calls almost every day Um and this uh, I was answering a question that somebody asked in it was a business related, um Call and she inboxed me and she's like, what does a gulf con consultant do? So I say, you know after this zoom, give me a call because he's about to finish up And he has another one at seven and so she we talked a bit. Guess what? She's into trucking and I remember you opened that facebook page for trucking Facebook page for trucking Yes, but she doesn't have trucks. She does the equipment and et cetera all Uh, the fuel are the servicing part. Yes, and she I know right and guess what? Yes. She has four years past performance already have state and local contracts and so I started talking to her about You know the federal with what I do which I specialize in federal not so much local and state So she had another one to get on that seven and I was preparing for yours Um, so we talked some more and her capability statement is already online So I'm gonna pull it up tonight. She said the only thing she needs to add is we bank and Um, there was a change in one of the statuses, but I was like, okay So do you have any set set aside as she said yes, uh, me and her and her husband are veterans But it's a woman on the business and hers. You know, she has majority ownership. So she is a woman on service this able You know veteran, so yeah, I'm kind of tired. It's been long So um, so we said we we're gonna talk some more because we both had zoom calls to get on that Seven and you know, she was like, oh, can you pass me your information? So I can pass it to our women's group because she's in Atlanta, too She's in Kennesaw, which is north of Atlanta and I was like, well, wow So I'm dressed up, you know, uh Little kind of card little postcard thing that she can print off and Well, I'll print them off for and we'll probably meet up And so she can take it to her group and have something in physical format and stuff Um, but the question that I have for you, okay, she's servicing So my first thought was when I saw her tagline Was one girl one truck because you know, I was on that call where she's she's now becoming a brokerage So I was like, okay, she might need somebody and you know, I'm all about, you know, pass on information Does me no good, you know, just being in my mind So I'm gonna talk to her later on tonight. We already talked a little bit before Um, if she's still up or either at the latest tomorrow before my call with her again As one but she says she her ideal Mostly they deal with companies with a hundred trucks or more I was like, oh, okay. I gotta go a little bigger. Yeah, I know, right? So I said I gotta go a little bigger I know, right?  She got friends that didn't get paid and or had late payments had a bad experience And you know, I want to step in that so I know so I So she said I'm gonna worry about that because they're doing great Her words exactly is that actually we're doing pretty good You know with the local contracts and they think because she has multiple ones when she would name out the company and some State yeah, but government services. No, let's say the people, you know about that I know I wasn't listening to that A lot of people are they make like they heard a story and yeah It's somebody were like if you go back and go research the story that Exactly people they didn't pay y'all to go to pay them people Exactly and I'm thinking that because when I mentioned I said, well, let me tell you a couple of things why I specialized in federal contracts Then I started speaking to her about, you know, the pay cycle that that doesn't normally happen There must have been some oddity like when the government shut down or whatever But that normally doesn't happen because you got services like FEMA. I remember one girl one truck um It's a story about FEMA and they can FEMA the military Things like that do d they don't stop because government Check down I'm responding to a deal with FEMA right now to provide modular homes for FEMA. So You see and I'm I'm working with FEMA. I want to work with FEMA And they sent me to Puerto Rico. I'm going to Puerto Rico Exactly and I told her I say and she said and she had to get off for a minute because she got a call from her business development Worker so she has her own business development partnership But the fact that she because I've been in sales. So, you know for about 10 years So I I can read some of the signs But she she said, you know, I'm gonna give you a call tomorrow because the other zone was about to come on And when she was saying what she You know, like what she's actually looking for I was like, okay Yeah, you know, I can accommodate that if you need if you're into more of a fleet So you can get the first servicing and the contracts because you're not ready to establish that she's more of a Sub than a prime. No, but that's fine. That's no wrong. Yeah, exactly She's not good idea large Uh prime contractors that have a fleet of trucks that need exactly So that's what my thought was and I was like, okay And but she was so receptive and everything I was like, okay, you know, definitely gotta get her a call Best, you know tomorrow if she don't call me first and the fact that she offered to put my services to her group Because she said I she never know.  We just had We put in a facebook group last week oil and fuel delivery for the flight lines Because my man hector does fuel distribution But he doesn't do it to flight lines. Someone put that in our facebook group last week. Don't look it up I'm gonna make it up right now. So I'm de trucking the trucking one trucking one. Okay. Yeah I'll go there tonight this past week. Yeah, I just said Hector doesn't do that. He does fuel distribution, but like he doesn't do it to the yeah line stuff Yeah, she already because she says she has liquids and fuels and oil contracts with the state and I was like Well, y'all And and you know, if I offered to be her and you know outside this and development Person and because I was telling her the different ways a consultant can go They can you know, all those parameters like that and she's like, oh, okay Oh, wow, okay. And so she but she's never been that um federal world So I told her, you know, it's way more money and more guaranteed pay and more opportunity for multi-year And she was like, oh, yeah, she loved that And so, you know, yeah, I know right so we got a call tomorrow get together.  I have a potential person that you know, maybe they can message and see and pull it down and see where it's at and then send it over to her Let her look at it and see if it's something that she would be interested in and even if it's past due At least you see what's out there to see like, okay, exactly. Is this something that she qualified for? You're eligible for and then you're gonna wait which direction of steering and moving forward Now I did send her because you know used to be in sales. So, you know, just as a test I pulled down women in trucking and they have a whole website and all that and I sent that to her and sending She couldn't see it on her sale, but she could see it on email and she's like, oh, well, thank you so much How they have a conference coming up. Okay. Okay. Yeah, I'm all into everything But you know, that's what I wanted to make sure since how she's not really applying But I knew she would be, you know into servicing and but I have to go up in my fleet network Oh, could you hey, hey, um D. Will can you send me your information to my Instagram? It's missy tovah probably not but that was before I was married. So So, you see the picture is actually when I was in Afghanistan at one of the smaller falls I used to travel to different falls. So that's how I made a big network to with I was an assessor a vulnerability assessor So that's where that picture. I really need to change it. I can't forget about it. But um, and and one girl one child I'll send you um The information as well, even though she won't bigger but see you got a brokerage now So, you know, never know Go go to the facebook group grab. Yeah, I am tonight for that fuel. Yeah to her right away because it may be Maybe it's still open. I'm hoping and if it's not there's like last week. Yeah Because he didn't he doesn't do it even if it's close, you know, even if it's close, you know, uh, So much out there. Yeah, it's so much out there and I need to talk to her about how far she's willing to go Um, just, you know, so I could have an idea of how far I can search So, yeah, so we'll see what happens with this one. I mean she has everything I was like On the phone. I was like, yeah About the training program. I know. Oh, yeah, I am because he was looking for more trainers as well And we were supposed to talk about that he wanted more trainers, which I thought was perfect for my company because You know, I could get other people Because I have, uh, Renona in our group. She does HR training Okay, good. Yeah. She does HR training for for veterans Uh, she's good. She she led. Oh really? Yeah. Oh, she led up to the HR department, huh? Where's she she's in florida with you? No, she's in dc. She's in dc. Oh good and she's up there. Okay She's in dc area. She did. Yeah. She led a whole team of HR training like, um, I think like 20 some people staff Okay Okay, yeah, that was sent in this week All right, be good. Good calls tonight


Hello everyone, welcome back to another iOS 17 tutorial. This is a quick one. I want to show you how to enable and how to use this cool line here that tells you if your videos and your photos are straight. If your background of the horizon is basically at the correct point, you'll see here that when I have it off on a rakish angle like this, it doesn't even show up. But when I start to move it, you'll see it's got a little bit of a white line there. And then when I get it to straight, it goes yellow. And it tells me I'm good to go. So how did I enable this? Very easy to do. Also I want to quickly show you here that if I scroll to photo, it also works here as well. So you'll know if your photos and your videos are basically straight or level. So here we go. How did I enable? Simple.  When you open up Settings, scroll down a little bit. And at the bottom for me, this could be somewhere else for you, but I'm going to go click on Camera. And when I click on Camera, I get a few options. But if you scroll down under Composition, you're going to see Grid and Level. So I put Level on.  But if you want grid as well, which gives you a little bit more functionality and a little bit better judgment in terms of how straight your images and your photos are and your videos part of me, that is literally all there is to it. That's how you enable it in iOS 17. Thanks for watching.


The land consolidation requires well organized teamwork, professionalism and dedication to the work process from all team members, continuous direct contact with the farmers and landowners, and transparency and honesty with all participants in the process. However, I would say that the termination is a main characteristic for realization of such a complex process.


This study found that a dietary improvement program can be effective in treating major depressive episodes. The program involved seven individual nutrition consultation sessions with a clinical dietitian over a period of 12 weeks. The control group received a social support protocol with the same visit schedule and length. The dietary support group showed significant improvements in depression symptoms compared to the control group, as measured by the Montgomery aspect depression rating scale, MADRS. Remission, defined as a MADRS score below 10, was achieved for 32.3% of participants in the dietary support group and 8% of participants in the control group. This suggests that dietary improvement may be an effective and accessible treatment strategy for managing major depressive episodes. This article was authored by Felice N. Jaca, Adriano Neal, Rochelle Opie and others.


In this video we are going to explain how the concept of associative cache is implemented. Let's first review very quickly the other alternative which is direct mapping in which the address that is sent by the microprocessor is divided into three fields. The first one tells me the offset within a block. The second one tells me the cache block in which it should be stored. And the third one is the tag, assuming this is the least significant address bit and this is the most significant address bit. So in direct mapping every address that comes out of the microprocessor is divided into these three fields. This is depending on the size of the block. This is depending on the size of the cache and this is the remaining set of bits. The cache is actually a memory which could be depicted like this with three fields and each entry in this memory has a tag which is telling us which block is actually being stored here, the block data and a valid bit telling us if this data is actually correct and corresponds to a true data from the main memory. So the main, the cache memory is divided into these three blocks or three columns. Now the special property for the direct mapping not for the associative mapping but for the direct mapping is that one memory block can only go to one cache block location. This is perhaps the most restrictive condition of this memory. So I pick any block in my memory and by looking at the address of that block it is only entitled to go to one single location of this memory and always to the same location. So with this type of mapping or with this type of policy there is one situation that could occur which is the following. Suppose we have this cache which is a direct map cache, let's call it DMC, direct map cache. I could have a few blocks here, let's suppose I have eight blocks and I could have certain blocks of this cache memory that are empty, these ones here are empty because the microprocessor is sending addresses that correspond to blocks that are stored in these other five locations. So addresses are repeatedly submitted or sent by the microprocessor in these five blocks, no address corresponding with any block that is suitable to be stored in these three positions is emitted and therefore three of them are wasted and are not being used. And the effect is that the hit rate on that cache can be improved. If you think carefully the restriction that one memory block can only be allocated in one specific cache block location means that even though my cache could be accommodating additional blocks, it cannot do that because of these restrictions, so these restrictions translate into a hit rate that can be improved. Now what happens if this restriction over here is lifted? In other words, we're not going to require that every memory block goes to only one possible cache block location, we're going to relax this condition and design a new cache which we call associative cache, which has a similar structure as the one we have described. In other words, still we have three columns and still the first column stores the tagged second column, the block data and the validity bit, so this is exactly the same as before, but now the restriction is lifted and therefore any memory block can go to any cache. What this means is that rather than having this distinction here in which we have the offset, the cache block number and the tag, now the memory address here needs to be divided into two fields which is the offset still, but now even the fact that any memory block can go to any position here, the remaining bits over here make the tag that goes to this column over here. So this is the address, zero to D minus one emitted by the microprocessor, now this type of memory does not impose this restriction we have seen here and therefore any memory block can go to any block in the cache provided that is allowed to be stored there. Now the problem comes, I mean this lifting this restriction is great, it seems to be fairly obvious and makes sense, however the problem appears on trying to search for an address. In other words, if I have my blocks organized like this, if I'm given an address by the microprocessor how do I know that I have the block data for that address? Now if we go back to our direct mapping, given this address I know exactly how to look for this data in precisely one single position of my cache because that position is given by this fill over here and the reason this searching is simplified is because taking the number from here, this number directly points to one single unit and the only thing I have to do is compare the two tags and see if it's okay. Whenever we go to the fully associative cache the fact that the block can be in any of this position means that now I have to take the memory address like we said before with the offset and the tag I cannot separate any bits for the block number because that restriction is lifted but now this tag has to be and this is the most important compared with all tags in the cache, this is the main difference between associative and direct mapping so given the fact that we lifted that restriction now a block in the cache can be anywhere now when we search for a specific address this tag now needs to be compared to all of them in parallel. Now what is the advantage? The advantage is we probably have a better hit rate. Let's go back to the example we described before in this situation which the processor is hitting or trying to access blocks that collide in five out of the eight positions when we take the same behavior to this associative cache these three slots instead of being kept empty they will be populated with previous data that is needed by the microprocessor therefore we can guarantee that lifting this restriction of memory blocks coming to a specific and fixed position on the cache we will maintain this memory completely full with relevant data so this is the advantage better hit rate this advantage this is more significantly more complex when we design this memory why because compared to this other one in which a read or a write operation by looking just at the cache block number I go straight to one single line and can do the operation here this memory needs to compare all the tags at once and maybe one of them returns the correct one saying yes it's me I'm in this position and I have a hit here so this is the tradeoff even though we get better hit rate the design of this hardware is much more complex because the read operation now requires in fact the word that is given here a look up okay so the search or the read operation always requires a look up and that look up is performed over the entire column


All right, whenever you're ready Let's take the big rice husk, I guess, any kind of waste. You just pull it over until it's all filled. Then you're up to somewhere at this point. And then you just have to observe it.  Ensure that you still cover, cover, until the whole process turns into black. That's what you call the biochar paste.


Personal Finance PowerPoint Presentation Permanent Life Insurance Prepare to get financially fit by practicing personal finance. Insurance is part of our long-term risk mitigation strategy where we follow the adage of measure twice, cut once, put in a formal process in place, look in something like set the goals, develop a plan to reach them, put the plan in action, review the results and repeat the process periodically. Most of this information can be found at Investopedia Permanent Life Insurance which you can find online. Take a look at the references, resources, continue your research from there. This by Julia Kagan updated May 25, 2022. In prior presentations we looked at insurance in general. We're now moving into the life insurance. We've talked about different kinds of life insurance. The major two categories you want to be keeping in mind being the term life insurance and then the permanent life insurance. The term life insurance being classical or pure life insurance where you'll often hear the adage of you should buy the term life insurance and then invest the difference because it's usually cheaper, which is usually a good line and it's one that I would follow or at least have to argue against. Meaning if I'm going to be purchasing something other than term life insurance I need to have a rationale other that will be able to argue against that rationale of I should just buy term and then invest the difference such as you might have different needs in terms of how long you're going to be basically needing the policy. You might have investment needs and investment strategies, retirement strategies, estate strategies which may be compounded or in addition to simply the pure life insurance that you might be purchasing. Okay, so let's stick into it. What is permanent life insurance? Permanent life insurance is an umbrella term for life insurance policies that do not expire.  When we get to the permanent life insurance, those are the items that don't expire. They're going to be permanent, but there's variance within different kinds of permanent life insurance. So the tree of thought process you're thinking of is term versus permanent. If you go into the permanent side of things, then you could start to think about different types of insurance plans under that tree, under that branch. The two primary types of permanent life insurance are whole life and universal life. And most permanent life insurance combines a death benefit with a savings portion. So whole life insurance offers coverage for the full lifetime of the insured and its savings can grow at a guaranteed rate. Universal life insurance also offers a savings element in addition to a death benefit, but it features different types of premium structures and earns based on market performance. Once you've picked the policy that's right for you, remember to research the firms you're considering thoroughly to insure you'll get the best life insurance available. So you want to think about what your plan is first, then look at the insurance companies that are going to be aligning to that plan, noting that if you're talking to salespeople or agents of an insurance company, they might be gearing you towards more complex plans if they're going to be making a commission from it, which may or may not be appropriate for you, but you want to make sure that you're doing your kind of your own research and then going into these plans and these negotiations with that research as your guide. Understanding permanent life insurance, unlike term life insurance, which promises the payment of a specified death benefit for a specified period of years, permanent life insurance lasts the lifetime of the insured, hence the name, unless non-payment of the premium causes the policy to lapse. So obviously if you don't pay the premiums, then you're going to have a problem with the life policy. Permanent life insurance premiums go toward both maintaining the policy's death benefit and allowing the policy to build a cash value. The policy owner can borrow funds against that cash value or in some instances withdraw cash from it outright to help them meet needs such as paying for a child's college education or covering medical expenses. So that cash component is kind of like, you could think of it kind of like an investment type of side of it which can have some benefits, but when you're thinking about that and using that as your rationale, you want to always be keeping the idea of, well, why don't I just buy the term which is cheaper and invest the difference? You need to have some rationale of why it is that you would not be doing that and buying more complex kind of things such as tax savings, estate planning, or you just want to have the life insurance for life instead of a term even though you could pick the term which could be fairly long term. So there is often a waiting period after purchasing a permanent life policy during which borrowing against the savings portion is not permitted. So basically if it's locked into this savings portion, then one of the issues with that is you can't usually take it out, but if you could borrow against it, that's kind of like taking it out. So that could give you some kind of security which you might not have that same capacity if you say invested somewhere else which would be the strategy, the baseline strategy, invest in term or buy term and then invest the difference because it would be cheaper if you invest the difference in a 401k plan or something like that, you might not have that same option of being able to kind of borrow against it and kind of almost similar to just taking the money out. So this allows sufficient cash to accumulate in the fund if the total unpaid interest on a loan plus the outstanding loan balance exceeds the amount of a policy's cash value, the insurance policy and all coverage will terminate. So permanent life insurance policies enjoy favorable tax treatment. So once again, the rationale for the term policy would be why don't I just buy the cheaper term policy and invest the difference? Why don't you get a tax benefit to it? Maybe that's one of the rationales. So the cash value growth is generally on a tax deferred basis. That's kind of similar to like a 401k plan or an IRA or something like that. You put the money in, you get a tax benefit or you don't have to pay taxes at that point in time. When you take the money out, then possibly being taxable at that point which means you deferred the taxes. You got to take the taxes later. So meaning that the policy holder pays no taxes on any earnings as long as certain premiums limits are adhered to, many can also be taken out of the policy without taxes because policy loans are usually not considered taxable income. So in other words, when you take the money out, like if you think about a 401k plan or you think about an IRA, when you take the money out, typically at retirement, at those cases you still have to pay taxes on it and you can't really take the money out early or you get taxed from it. But if you look at the insurance plan here, well, you can't really take the money out technically possibly if you take a loan against it. It's kind of like the same thing and if you take a loan against it using that cash value as collateral, that's not really income at that point. It's not really considered income even though you got the tax benefit when you put it in. And so you might not have a taxable event at that point because it's a loan. Generally withdrawals up to the total of the premiums paid can be taken without being taxed. Permanent life insurance versus term life insurance. Different people have different insurance needs at different periods of their lives. Term life insurance is popular for its lower premiums, but it usually will expire well before the end of the policy holder's life. So if you're looking at term, usually you're buying life insurance to cover people that are dependent upon you over a certain time frame. And the hope would basically be, well, I'm going to wait until these children are growing, it's just paid off or something like that. Once my debt is paid off, once people are no longer dependent upon me because they're old enough, which would be like 20 to 30 years for something, then possibly I don't need the life insurance at that point and possibly I have enough assets to be self-insured in the event that I die, meaning I have more assets than liabilities and possibly I can leave those assets to people, for example. While the aim is to have paid off most debt and other financial obligations by that time, while also occurring significant savings to make a large amount of life insurance unnecessary, some people may find that they prefer ongoing coverage and savings opportunities might want a new permanent policy. So you might say, well, I would rather have the permanent policy, even though I'm hoping that at retirement, once I'm like 60 or something like that, that I don't have people that are dependent on me in that way and hopefully have my debt paid off at that point in time and so on, because hopefully you're thinking that the life insurance is covering the people that are dependent upon you when possibly you have a family and you're taking out a loan and a mortgage and that kind of stuff in the middle of most people's lives. So for this reason, many term life policies offer the option to convert to permanent policies later, often without the need to take medical exams or otherwise qualify again. So you could get a term policy that has the capacity to convert if necessary, which could be an option to look into, then you kind of get the best of both worlds if your option is to say that you would like to have the insurance available to you at the end of the term if necessary. So such a feature might make the conversion appealing for someone with medical issues that could make a new policy prohibitively expensive or with chronic conditions requiring ongoing expenses drawn from the savings. So while the premiums for permanent life insurance are much more expensive than those for term coverage, those who would sign up for such policies have earned enough by that stage of life to afford them. With the added opportunity for savings, they can also use it as a tax favorable investment vehicle to cover the needs of lifelong dependence or the estate planning purposes. So estate planning obviously gets into more complex kind of scenarios with the estate planning.  If you're thinking about normal tax planning, then oftentimes you might be saying, hey, maybe it would be better for me to take the money that I was going to put into the life insurance and just by term and invest the difference in a 401k plan or in an IRA. But what if you've maxed out the IRA? If you've maxed out the IRA, then possibly you're looking for another place to get a tax incentive at that point in time. So that might be another kind of place or area where you'd be looking for and then you have those other kind of benefits which could be that you have that cash value that you possibly could borrow against in the event that you needed to which you might not have as much capacity to do if you had the money in like an IRA, 401k, 403b or something like that. Advantages and disadvantages of permanent life insurance. There are pros and cons to purchase permanent life insurance. If you can afford the higher premiums, the permanent life insurance allows you to provide a death benefit to your beneficiaries without a constraint of term life insurance. So obviously the term insurance is going to end at the end of the term. So and obviously if you're getting to like, it's like the life insurance is going to expire within one year and then obviously all your whole family probably conspires to kill you at that point in time so they can get the policy. So if you have the life insurance permanent then you don't have that timeframe where that happens. So but obviously the term life insurance ends at some point in time, it's a term. So the permanent life insurance policy allows you to invest in an account with a tax advantage which you can borrow from or use during the lifetime of the policy as well. The downside to purchase a permanent life insurance policy are the high costs of the premiums which is why you often hear the adage of why don't I buy term and invest the difference. That's what you need to argue against what kind of strategy are you aiming for with the permanent life insurance to not do that adage to not just buy pure life insurance and invest the difference. So the risk of not being able to afford to keep up the payments and spending down the cash policy so much that it eats into the death benefit. So what is permanent life policy, what is permanent policy life insurance? Permanent life insurance is life insurance policy that unlike term life doesn't expire until the death of the policy holder. So it usually comes with a cash value saving component. What are the four types of permanent life insurance?  What is better life insurance term or permanent? I'm expecting a yes or no answer here which is better both term and permanent life insurance can help you protect your loved one's family. That's not, that's an evasion of the, that's I want a yes or no. So the kind to buy should be the one you can afford to pay premiums on. So obviously you want to be able to afford it. Permanent lasts longer and has a cash value component but its premiums are usually much higher than term life insurance. Can you cash out permanent life insurance? Yes, you can cash out permanent life insurance either by borrowing against your policy withdraw money in your cash value or you can surrender the policy. So the cash value component of it is kind of like an investment side of it where you have in essence basically this investment component. That's why it's a little bit different than term which you would think is pure life insurance which you can't typically cash out because you're just buying life insurance for it. And remember this other added component of borrowing against it. I mean you might say if the government says you can't pull the money out because you put it under this umbrella and we gave you a tax benefit and you say well can I take a loan against it and use it as collateral? If you could do that well then you kind of know what the government does. The government didn't tap into the social security funds or anything like well they borrow it again isn't that the same, wait a second isn't that the same thing so that's kind of a work around type of thing. So if you do the latter you may be forced to pay fees and taxes on your withdrawal. So that's what the borrowings kind of work around for. How long does permanent life insurance last? If you pay the premiums on your policy and do not let the policy lapse or surrender it a permanent life insurance policy will last for your lifetime. That's hence the name.


If anything, you've been wanting to know all the time, we've got a question by our way, and I'll do my best to answer it. I actually wanted to know, did that actually affect you? Did it hurt the band at all?  It changed my life. If that's what you mean.  Yeah, you know, a couple thousand death threats and bomb scares and getting shot at a couple of times. It usually has a tendency to alter your outlook on life a little, you know? But also, I mean, we were exposed to extreme fame very early. And fame is kind of like this, if this table is a smorgasbord, it's like an evil genie stands down at the end of the smorgasbord and said, you can take anything you want. But if you take one thing, you take it all. You do not get to pick and choose. So, all the good stuff that you like in the smorgasbord, that's wonderful.   The one I don't think you can ever really go back to, at least I haven't been able to go back to. Yes, sir? Know that over the past few decades, music has kind of changed a little bit of people get exposure to bands and popularity and all that kind of stuff. What kind of advice would you give somebody that's really trying to make a name for themselves to come and do that kind of thing? Let me ask you, would you be one of those people? Yes.  You know, I was having this conversation just a couple of years ago. You know Rod Small with this? You know Rod Small with the manager he manages on Snire and Main. We were having this very conversation a couple of years ago.  I mean it's like, and if we don't know, I mean that doesn't mean that there's not ways to do it. You know, but the way, I mean we were part of the original mold. There was a guy named Emmett Birdigan and he was the president of Atlantic Records. He built or he largely built the model that we sold records by for 50 years. And when the record industry collapsed, you know, after the whole Napster thing, that model went away and hasn't really returned the way we knew it. That's not to say that something new won't take its place. I know that every time technology changes, it sinks and decimates one part of show business and then another one will rise up. Think about Vaudeville. Vaudeville was killed by silent movies and radio. And then when talkies came into being, they killed the silent movies. And then modern movies and TV as we know it, modern movies and TV as we know it now changed it all again. So every time some new technology comes along, it radically revolutionizes everything. And we're in the middle of another one of those right now. What the model is going to end up looking like?  So I wouldn't even try to go there and give you some advice that maybe wouldn't be useful at all. First of all, I want to say thank you for everything. I'm going to ask you to repeat the second half. What's the one side of your title that you say you're the most proud of? I mean, it was a labor of love. And it was the one I thought was probably the closest to being perfect. I wouldn't say that it is. But it's probably the closest one. And it's funny because over the years I learned appreciated in different ways that I didn't in the beginning.  I mean, I can remember where I was the first time I heard an album that really includes me. And that you remember where you were and the setting where you were and all those things. When you're the person that makes it, you never get that opportunity. You know, so for me to watch it change over the years. I'll give you an example. Operation Mind Crime has been compared to the idol a lot and vice versa over the years. When Mind Crime, I thought in the beginning Mind Crime was a better record. But over the years, and really it's only been probably the last two years, I would say. I don't think it's a better record. I think they're both really good. They're just different. They're apples and oranges. So like I said, my opinion of it is more over the years. It's still better. Well, like I said, all art is subjective. So depending on who you ask, you have 10 people here with 10 different opinions. First of all, my best friend, Stetsens, is love to you.  We were only there for an evening. So you don't really get the full treatment, I guess, as if you would have been there. They were recording for three, four days before we got there. And we had been on tour and we were late getting there and all that. So we only got there the evening of the last thing. So it wasn't like we were there for the whole project. But I would say this, that the guy that produced it was a guy named Ken Kraken. And he was Kenny Rogers' manager and stuff. He did the original We Are the World. And he had the same sign, because we were in the same studio that they did We Are the World. It was over at A&M. And he had the same sign on the front door for us that he had for the We Are the World. And it said, check your egos at the door. And it was funny because once we got in there, I don't think the sign was even necessary. Because everybody was looking at everybody else in there. And it was like the awesome respect that everyone had for everybody else. That, like you said, that sign was not needed at all. So for what it was, it was a fun experience. Do you ever keep it in the old props from the stages? Because I know it would be sure to detrain the lake, your original train of lake microphones in the UK. Bad Rock, but did you know that it's underneath? It says it's Paul Stanley's. It's an episode. Get him! So you do that stuff in the warehouse? What? So you have stuff like, you know, a store in the warehouse? Yeah, it's funny because this past summer we went through, we archived all the two inch masters. And while we were doing it, we decided to go into the storage lockers that we have. And just rip it all apart and see what was there. And we found stuff we had in some of the pages.  He says we'll do an auction next year and give people a chance to get some of this. Yeah, that's awesome. I've seen you perform The Crimson Isle in its entirety. Is there any other album that you're considering doing the same thing for? No, I don't think so. I think that's the one that people... I mean, we're going to do Part 7 tonight and even the little snippets that we're going to do this evening. It's a pretty good reaction. You know, we did it in Europe five, six years ago. And it's interesting because that record, it humbles me because I, every night, and I'm not joking, every night I look down at that audience, we get to the end of misconceptions and there's people crying out. And that's every night. And it's humbling for me because, you know, to write the lyrics enough to move people, to see them have that reaction, I don't take that lightly. Because when you're writing the lyrics, you always think, well, you know, probably eventually whatever I'm cooking up here right now is sooner or later somebody's going to be in the audience and Malcolm was back at me. It's always an interesting phenomenon when it happens to me, you know, and I see it because a lot of times I can remember exactly where I was when I wrote whatever line it might be that they're mouthing back to me. And I, you know, I have that juxtapose in my head of thinking, yeah, somebody's been a mouthless back at me and now they're mouthing back at me. And everything goes into slow motion when that happens. It's a very kind of surreal experience, but it's pretty cool. Okay, so for fans older like me, do you have any tips about to approach our 50s? What kept you going all the years? Fashion, you know, I've often said the greatest thing anybody can be blessed with is obsession.  The one thing I've learned though over the years is that balance is not just going to come in and sit down in your lap, you've got to grab it and force it with both hands because it will not just come in and do that. You have to make a conscious effort to really do it. And if you don't, you're going to look back. We were watching a special on Motown the other night and we were on the bus and somebody said if you had it, they were asking one of the guys that had run Motown, they said, if you had it to do over again, what would you do differently?  You lose track of the days and you can't remember, you know, I mean, we're halfway through with this U.S. tour right now. And in one way it feels like we've been out here three months and in another way it feels like we've been out here a week.  You know, it's like, I wish I could slow it down and enjoy it more. It's that, again, that's back to that duality that juxtaposed what I was talking about, you know, where you wish you could absorb it all with some punch. You have two quick questions about the Princeton Idol. Do you have any other songs that are sitting on the shelf that you didn't use yet? Like, you know, you may put it out later on. And number two, do you have that putting Princeton Idol like on Broadway, or like Off-Broadway, like who did the tummy? When we did the extended video for it, that was, that's all it was ever going to be. It's funny you ask about that. There was a song called Crazy in Paradise that did not make it on the record. We did re-idolize. I entertained it. It's a really good song. Really good. But it's a little more pop oriented. And it was about Jonathan's relationship with his girlfriend, who he was breaking up with, you know, or she was leaving him effectively. And the lyrics in it are really, really good. I hate to tease you with this, but it's never, it's never going to, there's no place for it because when you write a record like that, I had never done one. So I didn't know really how to do that. When you make a regular record, you just compile the songs, and you know, when you're done with them, you create a running order. You know, what order do you want these to be in? And you'd be surprised how fans labor over those running orders to get it where the pacing feels just right. Kind of like doing a live show. Well, when you do a story, you don't have that option, because the first song is the beginning of the story, the second song is the second part of the story, so forth down the line. When you get finished, if you don't like the running order, that's too bad. You know, you better like it. You have to build it as it goes. So to get the pacing of the record to feel right, you want to, like, we started out, obviously, with the overture on that. Then it goes to the invisible boy. You know, what's the pacing of those things feel like? So we really had to get the music in place first, then you start to lay the story in, because you can't do it backwards once it's finished. So that's all part of the learning curve that you go through when you've never done one of those before. And it's not like writing a story, because the story, yeah, you might come up with ideas that you think, well, I'll use this in the middle, and I'll use this idea in the end. But that's still a whole lot easier than doing music. Because, like I said, once that music is laid in place, it goes in stone. You can't fix it. Chris Holmes has just come back recently with Mean Man and Video and DVDs. Would you ever consider working with him again? He's doing what? He has a DVD out, videos. He's been touring Canada, Europe. Would you ever consider working with him again? Have you ever been in a bad relationship where a woman left you? Have you ever been in a bad relationship where that same woman left you two times? Oh, yeah.  But would you do it for a third time? I guess not. I don't think I would either.