I Buy My Own Sunshine

You’re listening to the Hurdy Gurdy Travel Podcast. I’m your host, Justin Vacula, here to help you travel the world at next to no cost with credit card points, miles, benefits, and rewards. Make money, save money, and take advantage of great deals! 

Thanks for joining me for today’s episode, a discussion with Riley of the website CardCenter.cc where you can buy and sell gift cards. We talk about gift card reselling and how points and miles enthusiasts can resell gift cards to accelerate credit card spending to make money and build points balances. This episode was recorded in early October of 2024.

Before today’s episode, some quick announcements. Early bird ticket sales for Zorkfest 2025, a miles, points, and gambling event, are now live at zorkfest.travelzork.com. I spoke at the successful Zorkfest 2024 event and hope to see you at Zorkfest 2025 in Las Vegas. 

I’m also looking forward to other events in 2025 and had a successful 2024 speaking at events with Award Travel 101, Frequent Traveler University, and both Chicago Seminars events. If you’re an event organizer and would like to have me speak at your 2025 event, please contact me.

Visit meetup.com/phillymilesandpoints to RSVP for the monthly Greater Philadelphia Travel: Credit, Miles, and Points meetups I host in Willow Grove, Pennsylvania. The next meetups are on November 17th and December 15th, 2024. Find a link in the show notes.

For more content between podcast episodes, follow Hurdy Gurdy Travel Podcast on Facebook and X, formerly known as Twitter. Follow Justin Vacula on Instagram.

Search Hurdy Gurdy Travel on SubscribeStar.com to financially support my efforts starting at the $5/month tip jar level.

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Gift Card Reselling With Riley Of CardCenter.cc

🎤 PODCAST
• 1-Husband's Hidden Life 2-Career Failure ~ 1-My husband's excessive spending is a mystery 2-My husband won't abandon his money-losing career.
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🎤 PODCAST 1-Husband's excessive spending is mystery 2-Husband won't abandon money-losing career

Join me, Kelly Brothers, on a flavorful journey as I sit down with renowned chef Patrick Mulvaney, who shares his captivating story from a traditional Irish upbringing in New York to becoming a celebrated restaurateur in Sacramento. Listen in as Patrick recounts how his college experiences sparked a passion for cooking, leading him to an apprenticeship in Ireland and eventually returning to America as a skilled cook. Discover how Patrick's love for the Sacramento farming community and its year-round growing season inspired him to establish Mulvaney's Building and Loan, a restaurant dedicated to celebrating local farms and farmers.

Experience the richness of Sacramento's agricultural landscape through Patrick's eyes as we explore the city's unique culinary scene. Hear about the amazing quality and proximity of fresh produce that often leaves chefs and visitors in awe. Patrick shares delightful anecdotes, including a memorable dinner with 300 mayors, showcasing Sacramento's bounty. This conversation sheds light on the evolving perception of Sacramento as a culinary hub and Patrick's role in connecting local farmers with the community, emphasizing the importance of supporting the agricultural talents that make Sacramento special.

Finally, we explore the nuances of the restaurant industry and the importance of mental health support within it. Patrick provides insights into the balance between culinary passion and financial oversight, highlighting the mentorship and community spirit that foster new talent. Celebrate the communal spirit of the industry with stories of collaboration, shared success, and the legacy of guidance among peers. This episode promises to be an enriching experience, offering a glimpse into the heart of Sacramento's culinary world and the vision of a chef committed to making a difference.
To learn more about Mulvaney's or to make a reservation, you can visit the website:https://mulvaneysbl.com/

For more information on what we provide at CAPTRUST visit www.captrust.com.
You can contact me, Kelly Brothers, through the show at: bisifipodcast@gmail.com
To reach me at CAPTRUST visit www.captrust.com/locations/sacramento-ca/

Chapter Summaries:

(00:10) Chef Patrick Mulvaney and B&L Restaurant
Renowned chef Patrick Mulvaney shares his journey from traditional Irish upbringing to owning a celebrated restaurant in Sacramento, emphasizing his commitment to local farms and community impact.

(13:38) Sacramento's Agricultural Blessings and Connections
Patrick Mulvaney highlights Sacramento's agricultural richness and role in connecting farmers with the community.

(24:12) Supporting Restaurant Industry Mental Health
Choosing the right advisor and balancing passion and financial oversight in restaurant management, with a focus on mentorship and community support.

(38:54) Sacramento's Slow Food Festival Expansion
Chef Mulvaney shares Slow Food's origins and plans for Terra Madre Americas, promoting agritourism and cultural exchange in Sacramento.

(49:55) Fiduciary Duty and Pricing Transparency
Fiduciary responsibility prioritizes clients' best interests, avoiding high-commission products and promoting transparency in financial advising fees.

Episode 53: Patrick Mulvaney's Flavorful Evolution Celebrates Food, Community and Excellence.

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Podcast Summary

Topo Padilla, a remarkable figure with over four decades of experience in the bail bonds industry, joins me, Kelly Brothers, to share his deep insights and personal journey. From his family's pioneering efforts in Sacramento to his reflections on the ethical dilemmas and risks of the profession, Topo offers an engaging narrative that highlights the balance between upholding justice and supporting individuals in their most vulnerable moments. With a rich history spanning generations, the Padilla family has not only weathered the evolving landscape of bail bonds but has also shaped it, providing essential community support through innovative services and unwavering dedication.

As we navigate the shifting tides of California's criminal justice system, Topo addresses the profound impacts of Proposition 47 and the ongoing dialogues surrounding criminal justice reform. He brings into focus the urgent need for a more rehabilitative approach in corrections, advocating for better mental health and substance abuse support. Through his lens, we gain a nuanced understanding of the challenges and changes affecting the industry, from the restructuring of state prisons to the role of private facilities, all while stressing the importance of legislative changes aimed at reducing recidivism and genuinely improving inmate care.

Throughout our conversation, Topo underscores the importance of adaptability in the bail bonds business and shares his strategies for marketing his family-owned enterprise amidst a rapidly changing landscape. His insights on transitioning from traditional advertising to community engagement offer valuable lessons for those in niche industries. Recognizing the vital roles of stakeholders like judges, bailiffs, and law enforcement, Topo expresses gratitude for the collective efforts of those navigating the justice process, highlighting how every contribution shapes the lives of those awaiting their day in court. Join us for an enlightening discussion that offers a fresh perspective on the intricacies of the bail bonds industry and its critical role in our justice system.

To learn more about Greg Padilla Bail Bonds, visit https://www.padillabailbonds.com/

For more information on what we provide at CAPTRUST visit www.captrust.com.
You can contact me, Kelly Brothers, through the show at: bisifipodcast@gmail.com
To reach me at CAPTRUST visit www.captrust.com/locations/sacramento-ca/

Chapter Summaries
(00:00) Understanding the Bail Bonds Industry
Topo Padilla explains the fundamentals of bail bonds, including indemnitors and regulatory oversight, and his passion for the industry's role in the criminal justice system.

(07:10) Generations of Family Bail Bondsmen
Padilla family's legacy in bail bond industry, upholding rights while ensuring court appearances, and generational continuity.

(13:32) Bail Bonds Industry Challenges and Changes
Topo Padilla shares insights on fugitive recovery, tools of the trade, and challenges faced by bail agents in an evolving legal landscape.

(26:29) Reforming the Criminal Justice System
Proposition 47's impact on substance abuse and mental health, efforts to repeal, and need for rehabilitation in California's correctional system.

(33:34) Issues in Criminal Justice Reform
California's prison system shifts to county jails, discussing rehabilitation, privatized prisons, and marketing strategies for a family-owned bail bond business.

(47:04) Recognizing the Role of Bail Bondsmen
Topo Padilla shares gratitude and experiences in criminal justice system, highlighting roles of judges, prosecutors, and law enforcement.

Episode 54: Balancing Justice and the Evolution of the Bail Bonds Industry With Topo Padilla.

Grana, Glamour & Vibe ft. LIL GD

Curiosity strikes: How does a beer truck driver become a successful attorney and an NBA liaison? Join me, Kelly Brothers, as I sit down with Paul Bossenmaier, whose journey from the driver's seat to the courtroom offers a fascinating story of career evolution and post-retirement fulfillment. Beyond his legal prowess, Paul brings a unique perspective shaped by years of basketball officiating, proving that passions outside your main career can enhance professional life in unexpected ways.

Through heartfelt anecdotes, Paul shares how nonverbal communication plays a pivotal role in fostering relationships on and off the basketball court. His transition from attorney to NBA liaison and playground monitor showcases a retirement filled with purpose and joy. We hear how Paul’s active engagement in new roles allows him to maintain connections with younger generations, all while enjoying the newfound freedom that comes with financial security.

Explore the art of crafting a purposeful retirement plan with Paul, uncovering how his second act keeps him vibrant and inspired. From inspiring his daughter to follow in his officiating footsteps to sharing valuable retirement planning advice, Paul's story offers a blueprint for anyone seeking a fulfilling life after a long career. Whether you're planning for retirement or simply looking for inspiration, this episode reveals how staying active and maintaining purpose can lead to a rewarding post-career life.

For more information on what we provide at CAPTRUST visit www.captrust.com.
You can contact me, Kelly Brothers, through the show at: bisifipodcast@gmail.com
To reach me at CAPTRUST visit www.captrust.com/locations/sacramento-ca/

CHAPTER SUMMARIES
(00:00) Paul Bossenmaier's Retirement Success
Paul Bossenmaier's unique career path includes driving a beer truck, practicing law, and officiating basketball games.

(19:20) Communication and Retirement Success
Nonverbal communication in NBA extends beyond verbal interactions, including informal reconciliations and post-retirement activities.

(28:19) Retirement, Financial Freedom, and Purpose
Paul's unique role as playground monitor and NBA liaison, his nickname strategy, and reflections on retirement and purpose.

(35:25) Creating a Purposeful Retirement Plan
Paul's journey from NBA liaison to inspiring his daughter to pursue refereeing, and the importance of a fulfilling second act.

Episode 55: Paul Bossenmaier Shares His Purpose in Redefining Retirement.

What better time to present an encore episode like this than end of year when families are together and can address some of the serious elements that need family input. Not to mention, end of year tax concerns as well!  This is a noteworthy episode for those items that can easily be dismissed. Hope you find the timing helpful.

Imagine inheriting the family vacation home only to find you can't afford the liabilities that come with the gift. That's just one of the critical topics we 'll dissect with Mike Genovese, a financial mastermind from CapTrust, illuminating the shadowy corners of estate planning. Together, we navigate the intricacies of California's Prop 19 and delve into the mechanisms of a Qualified Personal Residence Trust, offering a roadmap for transferring cherished assets to the next generation. Mike then bestows vital wisdom on managing estate and income taxes, the strategic use of spousal exemptions, and the nuanced balance between capital gains and preserving legacy wealth through stock portfolios.

Get your notepad out as we confront the convoluted world of estate planning within the realms of second marriages—a situation that many individuals face. Our episode unravels the complexities of ensuring financial security for a new partner while honoring the legacy intent for children from previous relationships. Mike shares his expertise on bypass trusts, the role of trustees, and the use of specific type trusts for larger estates. The emphasis can't be minimizd for the necessity of crystal-clear communication and precise documentation to smooth the path through the intricate dynamics of blended families.

Wrapping up the episode, the attention turns to business owners pondering their exit strategy, with a deep dive into the advantages of Employee Stock Ownership Plans (ESOPs). For the entrepreneurial spirit looking to reward loyal employees and ensure the longevity of their life's work, our discussion on ESOPs reveals a tax-efficient method of business succession. Mike and I dissect the financial mechanics, regulatory intricacies, and the tangential benefits of selling a company to those who know it best—the employees. This episode is as much a masterclass; as it is a tutorial for navigating the financial implications of life's transitions.

For more information on what we provide at Captrust visit www.captrust.com.
You can contact me, Kelly Brothers, through the show at: bisifipodcast@gmail.com
To reach me at Captrust visit www.captrust.com/locations/sacramento-ca/

Encore Episode:Your Family's Future; Preserving the Legacy with Mike Genovese

What if the economic downfall of your hometown sparked a journey that led you to revolutionize a city's future? Barry Broome, president and CEO of the Greater Sacramento Economic Council, shares his incredible story of transformation from the industrial heartland of Ohio to spearheading economic development in Sacramento. Growing up amidst the collapse of the manufacturing industry, Barry's early life in steel mills and unions shaped his unique outlook on economic revival, inspiring him to pursue higher education and, ultimately, a career dedicated to revitalizing regions like Sacramento.

Our conversation uncovers the importance of civic leadership in breathing new life into cities once on the brink of economic despair. Learn how Barry draws inspiration from the rejuvenation of places like Pittsburgh and Cleveland, and discover how his unexpected move to Sacramento opened up opportunities for innovation and strategic growth. With personal anecdotes and strategic insights, Barry illustrates how local leaders are transforming Sacramento into a burgeoning hub for science, technology, and the arts, fueled by significant investments and initiatives like the Growth Factory and Aggie Square.

Sacramento's vibrant cultural and economic evolution is at the forefront as we explore the city's growing reputation in sports, healthcare, and technological innovation. From the success of the Sacramento Kings to the potential of hosting a Major League Baseball team, Barry envisions West Sacramento as a viable option for expanding the city's sports franchises. As we wrap up the episode, Barry's passionate advocacy for Sacramento's future highlights the region's readiness to become a world-class destination for enterprise and community development. This insightful journey into the heart of Sacramento's transformation is as inspirational as it is informative.

For more information on what we provide at Captrust visit www.captrust.com.
You can contact me, Kelly Brothers, through the show at: bisifipodcast@gmail.com
To reach me at Captrust visit www.captrust.com/locations/sacramento-ca/

(00:00) Economic Development and Working Class Roots
Barry Broome's journey from working in steel mills to promoting economic development in Sacramento.

(10:03) Civic Leadership and Economic Development
Civic leadership and strategic planning drive economic revitalization in cities like Pittsburgh, Cleveland, and Detroit, while family and community influence relocation decisions.

(20:06) Sacramento's Economic Development Potential
Sacramento's potential as a science and engineering hub, revitalizing industries, initiatives like Growth Factory and Aggie Square, and investments in future technologies.

(31:43) Sacramento's Economic and Cultural Growth
Sacramento's growth is driven by major investments, healthcare developments, and sports, with potential for MLB expansion.

(39:33) Sacramento's Enterprise and Investment Growth
Sacramento's sports and entertainment scene is thriving, with the Golden 1 Center's success and potential relocation of the Athletics, highlighting community commitment and political will.

(48:12) Barry Broome's Vision for West Sacramento
West Sacramento's potential for securing a MLB team, emphasizing community support and revenue from TV rights, merchandising, and fan experiences.

Episode 55: Sacramento's Blueprint for Transformation with GSEC's Barry Broome.

산와주식회사 산와머니 -  三和 ﾌｧｲﾅﾝｽ (ビーンズ君) (2005年)

Tyga, last kings, last, kings, music, video, rap, hip, hop, Young, Money, Entertainment, Cash, Records, Music, TygaMusic, YMCMB, YoungMoney, TygaBest, BestofTyga, mixtape, tygatyga, tyga tyga, young money, tyga album, Rap Music, freestyle

TYGA- Super Hyphy FREESTYLE 2024

DJ JAME$ - Deep Pockets

Wrong KreW" is the anthem for anyone who knows they’re on the grind and doesn’t let fake people get in the way. It’s for those who stay true to themselves, no matter the struggle, no matter the doubters. From the corner store to the top, this track captures the essence of hustling hard, keeping it real, and never losing sight of the bigger picture. If you’re part of the real ones, this one's for you.

THE WRONG KREW

Step into the depths of the concrete jungle with "On Cocaine"—a brutal, unflinching look at the game that never sleeps. Sage the Genius paints a portrait of a life where loyalty is bought, love is fleeting, and every dollar earned comes at the cost of your soul. This ain’t the Hollywood version of the streets. It’s the raw, uncut truth of a hustler’s life—power, pain, and the price of ambition all wrapped up in one.

From the high-rise penthouses to the grimy alleyways, "On Cocaine" is a tale of the grind that never quits. The song pulls no punches as it chronicles the rise of a king who’s married to the hustle, trapped between the allure of fast money and the cold reality of the streets. It’s about choices that eat you up from the inside out—chasing dreams in a world where love and loyalty get lost in the hustle.

Sage’s storytelling cuts like a blade, revealing the true cost of ambition and the dangerous duality of the game. Money flows, but so does the blood of those who choose the life. Every line is a reminder of the price you pay when the streets own your soul. For the hustlers, the goons, the real ones who’ve been there, "On Cocaine" is your anthem. A reflection of the world that keeps spinning on chaos, but never stops moving. It’s the cold truth you can’t deny, the hustle you can’t escape.

ON COCAINE

The West Coast ain’t just a place, it’s a vibe, a life, and "Loco Motion on Tha Beat" is the soundtrack for every G ridin’ through it. Subs rattlin’, bass pumpin’, cruisin’ low with a mission in sight. Sage the Genius brings that real street heat — no fakes, no fluff. Every bar cuts deep, just like the streets that raised us. From the parties to the corner blocks, this one’s for the hustlers who got game and keep it movin’. Ain’t no sleepin’, ain’t no stoppin'. It’s all gas, no brakes. Ride with us or get ran over. This is West Coast livin' at its finest. #LocoMotionOnThaBeat #SageTheGenius #WestCoast

LOCO MOTION ON THA BEAT

"All Real Ones" is for the ones who grind till the wheels fall off, who take the pain and flip it into power. Ain't no pretending here—this is the truth, the hustle, and the struggle all wrapped up in one. From the gutter to the grind, it’s about surviving the game without folding under pressure. You can talk that big talk, but only the real ones know how to walk it. Ain’t no room for the weak, no time for fake friends. We don’t chase the spotlight; we create our own. When you’ve been through the lows and fought your way out, that’s when you know who the real ones are. Stay in your lane, block out the hate, and keep pushing. Only the strong survive, and the real ones rise.

ALL REAL ONES

Welcome to TMG KING MUSIC, where the power of music and emotions come together.
We are dedicated to taking our hip-hop and rap to new heights.
This channel is not just for entertainment; it's a journey to present real-life struggles, successes, and inspiring stories through the medium of music.

Here, you can find:
🎤 Outstanding rap and hip-hop tracks
🎶 Emotional and energetic music
🤝 Collaborations with new artists and innovative experiments
🌍 Efforts to bring Nepali music to the international stage

TMG KING MUSIC is here to provide you with musical entertainment.
My name is Dorje Syangtan. 🙏🙏 Please support me ❤️❤️❤️
Subscribe and join us on this journey. Here, music is not just to be heard but felt.

Dr. Kenner's The Rational Basis of Happiness ® Talk Show
Free Phone Advice Over 20 Years Public Service From Psychologist Dr. Ellen Kenner. Call Her On Any Personal Issue 877-375-3663 calls recorded for podcast

Travel the world at next to no cost with credit card rewards!

At various points in his 30-year broadcast career, Kelly Brothers has anchored the No. 1 evening newscast in Sacramento on KCRA 3 and the No. 1 morning news show on News 93.1 KFBK. He is currently a Principal and Advisor at CAPTRUST, based in Sacramento.  For the program, Kelly serves up some of the most succulent stories from our region about people, places and things that impact the community and your financial well being. I'm sure there will even be a few tasty surprises here and there, when the recipe is right. The goal is to have you learn, think, even laugh a little bit, all calorie free. Hopefully you'll enjoy what he's delivering right to your kitchen table or dining room or... will you be eating in your car, wherever you choose to listen.

New tracks tagged #Money,