"Out of every 100 men, 10 of them should not be there. 80 are nothing but targets. Nine of them are real fighters and we are lucky to have them for they make the battle. Ah, but one, one is a warrior and he will bring the others back."

Back again like we never left, we have the founder of Arena Securities and co-host of our ongoing Value Investor Series, Aleck Arena, and if you are in to investing, conversations about investing, and the market as a whole then you have come to the right place. Aleck is here to give our listeners some new updates and feedback on what has been going on with Arena Securities and some of the investment opportunities Aleck has seen and taken over the past few months. Additionally, Aleck and Jay are getting into some of the specifics regarding time management and the amount of research and opportunity watching you should be doing before you get into any new investment and the strong gut and strong will and emotional stability and intelligence it takes to play this game the right way. We hope you enjoy this episode of The Culture Matters Podcast.

Disclaimer: The information contained in this episode is not personal financial product advice and has been prepared without taking into account the objectives, financial situation, or needs of any particular person. Culture Matters does not hold an Australian Financial Services License and is not authorised to provide general or personal financial product advice. Before making any investment decision, you should consult a licensed financial adviser. Past performance is not indicative of future performance.

"When you are finished changing, you are finished." - Benjamin Franklin

Everybody's favorite mortgage expert, leader of the Bill Mervin Mortgage Team, and frequent guest here on The Culture Matters Podcast Bill Mervin is back on the program again and we're looking forward to another fantastic round of conversation with the man himself. On today's episode, Bill and Jay are diving deep on a myriad of subjects, as they always do, and we aren't wasting any time getting into it. During this discussion, Bill and Jay are getting into the current trend of substantial mergers between lending servicing platforms and real estate, Bill's opinions on some of the best practices that business owners and leaders could be employing to succeed in tumultuous times, the different levels and plains of existence that "home" exists on, and even some thoughts on the current state of the United States and how it is affecting the housing market. This is truly a heady conversation and there are few people around we'd rather have such a talk with than Bill Mervin.

"Anyone who wants to learn the human psyche will learn next to nothing from experimental psychology He would be better advised to abandon exact science, put away his scholar's gown, bid farewell to his study, and wander with human heart throughout the world. There, in the horrors of prisons, lunatic asylums, in drab suburban hubs, brothels, and gambling halls; in the salons of the elegant, the stock exchanges, socialist meetings, churches, revivalist gatherings, and extactict sects; through love and through hate, through the experience of passion in every form in his own body, he would reap richer stores of knowledge than textbooks a foot thick could give him, and he will know how to doctor the sick with a real knowledge of the human soul." - Carl Gustav Jung

Musician, mortgage professional, host of the "Laugh, Lend, and Eat" podcast, and author of Falling Forward: Mishaps on the Road to Happiness and his a new book called Calm 30 Fobby Naghmi is back on the show today to discuss that new book and, if you've ever hear Fobby on the show before, you know it won't just stop there. During this discussion, Fobby and Jay discuss Fobby's motivation behind writing Calm 30 and what he hopes the readers will get out of it, learning to enjoy the space between the notes (or the funk between the beats), the inevitable conclusion that comes from people watching that we all want to feel connected or like we're part of a/the tribe, the power of meditation to allow you to shut out distraction and allow your mind to focus, and why music is the all-time greatest equalizer. Fobby is a truly unique soul and we are always grateful for his positive vibes and sparkling conversation. Keep an eye out for Calm 30 and we hope you enjoy this episode of The Culture Matters Podcast.