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River City Church

Pastor Brian Bohrer

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Grace and Mercy, Always! Teaching the keys to win at work, at home, and at life. Brian Bohrer is a minister of the Good News of our Lord Jesus Christ and lives in the St. Louis, Missouri area. Visit www.rivercity.us for more information! #myrivercity
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This three-part series, hosted by former Dayton Mayor Nan Whaley, shares the historical events that have shaped our community racially, socially and economically. Each segment highlights key moments in Dayton’s history from the 1700s to the early 2000s and features elders from our community as they retell their earliest memories of Dayton. Speakers included Kelly Bohrer, acting director of the ETHOS Center, School of Engineering; Leslie Picca, professor of sociology and Roesch Chair in the S ...
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Know Before You Owe with Jim Black brings you conversations with top voices in real estate, finance, and entrepreneurship. Each episode explores practical lessons, industry insights, and personal stories from leaders shaping the future of housing and business. Whether you’re an investor, agent, or entrepreneur, this podcast helps you stay informed, inspired, and ready to grow.
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Cutting through the hype, telling inspiring stories from people and organisations who are creating real change in the world with Blockchain and Exponential technologies. Listened to in 150+ countries worldwide. Hosted by: Anthony Day, Blockchain Leader at Midnight
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The Gab

Gaby Boddy

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Gaby Boddy(the Gab, gabyboddy.com, gabyboddycelebrate.com) chats with different friends and personalities on the unbelievable crazy things that happen in everyday life. How we get motivated and how we deal with difficult times. All different stories are rich in meaning and lessons to be learned.
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In this episode of Know Before You Owe, I break down the entire 203K renovation loan process so you can stop relying on rumors, myths, and that one uncle who “knows a guy.” I go through the limited 203K, the standard 203K, the HUD consultant process, and how I build a real scope of work instead of the classic “we’ll figure it out later” approach th…
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In this episode of Know Before You Owe, I sit down with Liz Kroft from Aviso Studios to talk about something shockingly misunderstood: building a real brand, not one of those “I made this on Canva in 4 minutes” masterpieces. Liz walks me through why consistency, cohesive visuals, story, and actual human personality matter more than whatever trendy …
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In this episode, I'm joined by home inspection expert Paige Bohrer, who spends every day inside the real trenches of Bay Area real estate. We walk through what a real inspection looks like, how long it should take, what surprises homeowners most, and why rainy days expose a home’s truth better than any other season.Paige breaks down everything you …
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In today’s episode of Know Before You Owe, I break down the shiny new distraction everyone’s talking about: 50-year mortgages. Yes, they lower your payment a little. No, they don’t help you build wealth. And yes, they quietly drain an extra $550,000 in interest if you keep them long term. I compare a 30-year loan vs a 50-year loan using real number…
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In this Know Before You Owe episode, I sit down with Vinnie and Anthony, the sharp minds behind Vonk Digital and Goalee, to talk about how local real estate agents and lenders can finally stop losing to big lead portals. We dig into how SEO, AI tools, and authentic content can make your business stand out online, even against companies with ad budg…
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Wallets are where the value is, where users transact, and where we can link intent and action. So why is everyone sleeping on Web3 wallets? Following a 'charmed' panel performance at Zebu Live, Mo and I reconnect to take you through the opportunities and challenges of engaging customers through Web3 wallets, and what's possible for brand and chains…
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Ever been spammed by 57 lenders the second you apply for one home loan? Yeah, thank trigger leads for that.This week, I talk with Brendan McKay, co-founder of the Broker Action Coalition (BAC) and mortgage expert with 20 years in the real estate lending industry. He shares how brokers are taking on big banks, reshaping mortgage laws, and giving hom…
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Reverse mortgages. Two words that make most people’s eyes twitch. But not today. In this episode of Know Before You Owe, I chat with Brad Brynes, one of the top experts at Finance of America, about how reverse mortgages can actually help seniors use their equity for freedom, retirement, and a better lifestyle.We cover everything from the silver tsu…
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You can track your pizza but not your house sale? That’s the problem, and James Dwiggins, CEO and co-founder of NextHome, is here to fix it. On this episode of Know Before You Owe, I talk with James about Rays, the platform bringing real transparency to real estate. Think of it as a “pizza tracker” for your transactions, one that shows clients exac…
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What do you get when you mix farmland, a family with 40 years of real estate experience, and a housing shortage the size of Kenosha County? Apparently, 705 new homes. In this episode of Know Before You Owe, Jim Black chats with Sanjay Kuttemperoor, the man helping turn Pleasant Prairie, Wisconsin, into the Midwest’s hottest new zip code. They talk …
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Many complain about the state of usability and user experience (UX) in Web3, and how it's hindering widespread adoption. But Michael argues, we've already solved these issues TODAY... Sequence has a fascinating history, from early days of Web3 Gaming to a modern, EVM-compatible, multi-chain dApp toolkit which is making life easier for builders and …
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In this episode of Know Before You Owe, Jim Black sits down with Matt Coles to demystify what it takes to go from mortgage broker to banker, and why warehouse lines and AI-backed decision-making are key to scaling in today’s environment. They also explore how to prepare now for the next market cycle in 2026, how smaller lenders are outpacing big in…
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I sat down with AK Lalani from Rollout to talk about why your shiny tools don’t talk to each other, and how his universal API fixes it without you selling your soul (or budget) to engineers. Think of this as therapy for anyone who’s ever asked, “Why can’t this app just work with that one already?” From real estate CRMs to mortgage platforms and eve…
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In this episode, I chat with Sanjay Kuttemperoor from Steadworth about how his platform helps buyers get into homes faster without being crushed by the traditional down payment. We talk through how shared equity works, the risks, the math, and why this is a big deal for first-time buyers and beyond. If you’ve been stuck renting or thinking homeowne…
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The institutions are coming! And they're currently driving the next wave of investment and growth in Web3. But what are they looking for in 2025, and how has the go-to-market offering changed for VCs as the industry matures? Mathias and CV VC have been one of the leading institutions driving forward Web3 adoption, first in Crypto Valley and today a…
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On today's episode of Know Before You Know, we're joined by Bill Sperry, the most renowned voice in real estate. With years of experience working with hundreds of thousands of agents, Bill has witnessed the industry grow from the early days of the internet to AI-based business models. We discuss why relationships will continue to trump leads, how t…
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In this quick and insightful episode of Know Before You Owe, Jim Black sits down with Grant Marple to talk about why title insurance fees are misunderstood, often overpriced, and completely within the buyer’s control. They unpack what’s actually covered by title insurance, why mechanics liens are more common than people think, and how you can use t…
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Are you ready to take control of your financial future and prepare for homeownership with confidence? In this episode of Know Before You Oh, Jim sits down with Brian View of Key Steps to break down how technology and trusted guidance can help first-time buyers and seasoned homeowners alike make smarter financial choices. Brian explains how Key Step…
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People with crypto are ready to pay. This is a call to action for businesses from the travel industry to real estate, from Forex to iGaming. There are 600 Million+ people holding cryptocurrency of some kind, and with EU crypto regulation MiCA comes fully into force, the Genius Bill and stable coin sentiment escalating in the USA; it’s only a matter…
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Cosmos has contributed a LOT to the Web3 space, and is going through a significant revival. It's time to dig deeper into this OG Blockchain ecosystem that has contributed so much to interoperability and cross-chain apps. If you're in Web3, you've probably heard of Cosmos. You've probably heard of Osmosis, and if you're vaguely technical you've prob…
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Animoca Brands are one of the few groups in Web3 that have successfully moved and pivoted with the evolution of Web3. And we're going to learn what it takes to read and succeed in such a tumultuous industry... Yat Siu is one of the busiest, most travelled leaders in Web3. Through deep engagement with founders, investors and innovators all around th…
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Looking for the 'killer app' for Blockchain? Payments much just be it! And Concordium have a master plan for mass adoption... Bitcoin was the first mass-adopted cryptocurrency, but as 'digital gold', it may not be practical for everyday payments. After all, you don't pay for groceries with your pension, right?... Stablecoins have shown that digital…
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Dr. Weijia Zhang is a renowned expert on interoperability, bridges, and is the Regional Head of China for the Enterprise Ethereum Alliance. So he knows a thing or two about what it takes to bring Web3 into production. Interoperability was supposed to be the great accelerator (ahead of privacy tech) for Web3 to really scale and connect apps and ecos…
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Time to pay attention when one of the world's largest Investment Managers leans into Crypto ETFs, Digital Assets and creates its own VC arm: VanEck Ventures. But what's their current outlook on the market and the technology? Juan Lopez, an experienced Web3 investor, is General Partner at VanEck Ventures (and formerly of Circle Ventures) and is look…
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Why aren't a billion people using Blockchains and Crypto everyday? We explore use cases, particularly payments, with Isha from Celo - an Ethereum L2 focused on 'real world adoption'... You wouldn't pay for coffee with your pension... So assuming that Bitcoin (cited by many as a 'digital gold') doesn't fit for everyday usage, what else can we use to…
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Why does the world need another Blockchain when we have Ethereum? This is the exact question Beniamin and the Elrond (now MultiversX) team pondered in 2017. And have been comprehensively answering ever since. 'First Generation' Blockchains like Bitcoin have managed to pass the test of time due to their simplicity. However smart contract chains have…
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Is this (finally) 'Mass Adoption'? TON may have finally cracked how to put Blockchain and Crypto into the hands of Billions, but how did they get there? And how do you build a blossoming community in the process? Jack Booth, Co-founder of TON Society, a grassroots movement supporting the TON Blockchain community, will share his insight and experien…
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We may be entering the 'end game' for Blockchain and Web3, with different chains being connected seamlessly. But what happens next in this interoperable, connected world? Supra have been working to provide Web3 with trusted data for 4-years, and now are moving to the next stage of their evolution: 'MultiVM'. On this podcast, Josh takes us through: …
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Don't we have enough Blockchains already? Short answer: No... And Azeem from Morph is going to explain why, in full HD!... Blockchains keep evolving, and Layer 2s present an opportunity to provide unique functionality, integrations and experiences for dApp builders. And Morph is a really interesting example of an L2 that is innovating beyond just t…
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Decentraland pioneered the crossover of Blockchain and the Metaverse, and now they're back with version 2.0. And they've been working on some important things along the way... I'm joined by Yemel Jardi, a Web3 veteran, developer, Executive Director of Decentraland, and occasional virtual 'celebrity'. We take a look back over the launch and growth o…
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Without Blockchain nodes, there would be no Blockchain. But not all nodes are created equal. And many chains are falsely claiming 'decentralisation'. Chris from BlockJoy is on a mission to enable better Blockchain infrastructure... The reality is that Web3 is still heavily dependent on the Cloud. But should users, developers and communities care: '…
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The ZK series continues with Hubert and vlayer: an exciting team looking to give back control and equitability of data using Blockchain technology... If you're not paying attention to zero-knowledge technology at this point in the evolution of the internet and decentralised applications, you should be. And it's refreshing to see that not all teams …
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Many (including myself) are hailing ZK as the technology that will finally enable mass adoption of Web3. But how? And what's missing today that ZK provides? Ken Timsit is a Web3 veteran and a strong advocate for ZK tech. He is MD of Cronos Labs and its Particle B ecosystem accelerator, and was previously CRO at Consensys. On this show, we're going …
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Are Blockchain & AI force multipliers or competitors? Will Blockchain 'unlock' AI adoption, or is the reality much less positive?... Arthur Breitman, Co-founder of Tezos, was working with AI and Self-Driving Cars long before he stepped into Blockchain. So he has an informed view, and a desire to see both technologies succeed, albeit without the hyp…
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MoonPay are one of the biggest names in Web3. And without 'ramps' and tools that connect to Web2, the decentralised internet will never reach full potential. 5-years and 20 million customers later, Ivan Soto-Wright has learned a lot, and has a lot to say about what it takes to onboard new and skeptical users to Web3. The UX has also come on a LONG …
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SpaceAI is a project that might just blow your mind! We've seen a range of DePIN projects capture the imagination, but not that have a full-stack offering that works both in Space and on Earth... DePIN projects typically offer one of compute, connectivity or storage. Few do all at once. And it's even less likely to find a project with literal space…
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Devon is one of the best Marketeers of the Web3 era. He'll share frameworks & strategies from his time at Ava Labs, Immutable & F/AS that can help any Web3 project grow. Do not miss this!... Marketing is everything from understanding the market, the competition, establishing digital and physical channels, finding your voice, amplifying your communi…
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What does it take to grow a global Blockchain ecosystem? Listen to the Gnosis story and you'll find out. There's more to it than you think... Successful ecosystems are more than simply the Blockchain. They're more than simply the technology. It's about bringing together core tech, developers, capital and users, all wrapped up with shared and aligne…
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Olta is one of the most experienced lawyers in Web3, and has been busy supporting Avalanche, Owl Explains and now Enclave Markets - an exchange targeting institutions that provides privacy through transacting over a secure enclave. From our show, recorded at Money 20/20, we also discuss the current state of regulation and recent enforcement actions…
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Zero-Knowledge (ZK) technology has gathered a huge following globally, but is still little-known and under-appreciated in Web3 circles. But it is showing huge value providing scalability and data protection for Web3 builders and users alike. Boasting an impressive CV, including the likes of PayPal, Diem, Libra and now Mina, Kurt Hemecker knows a th…
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Wallets are a critical interface for any user of Dapps and Web3 services. But the UX and functionality is often so complex or limited. Not for long... If you've been in Web3 for a while, chances are you've used Metamask once or twice. You're ok with having to manually add your random tokens, or get quoted astronomical gas fees from time to time. Bu…
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Web3 gaming is just getting started, but most people think it's just about the protocol or the tokens... What about the DATA? We get a fascinating insight into what game developers need to create decentralised gaming economies... The team at Helika have worked with top studios like Yuga Labs, Proof of Play, Animoca Brands and many more, and have se…
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Want to meet the man who's trying to integrate ALL the Blockchains? That's no mean feat. Jan-Jaap Jager is transforming Web3 and making it easier for anyone to build Dapps on one or many different chains... We've said this before, but Web3 will never reach 'mass adoption' if applications are hard to develop, and we don't provide tooling for develop…
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DePIN is a sector where Blockchain tech is having a major impact. We talk this, and Filecoin’s 6-year history with Porter Stowell. Decentralised Physical Infrastructure Networks: In short, the democratisation of compute, storage, communication and more. Optimising existing industrial-grade infrastructure and also allowing individuals to participate…
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Note: This episode contains at least 2 very important knowledge bombs about the importance of SaaS for Web3, and the art of dealmaking for chain partnerships! We've got more Blockchain infrastructure than we can possibly use... But is it USABLE? Tim from Venly will explain the importance of developer tools to make Web3 more accessible to everyone..…
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How many Layer 1 Blockchains do you know that are mission-driven to support sustainability? VeChain might be the only one… Not only that, they’re the only Blockchain whose whitepaper was co-authored by BCG. This is a serious team, with serious ambitions, and Sunny Lu joins us to answer YOUR questions. Many Blockchains will say they are ‘sustainable…
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