Do You Ever Wonder...The Hallmark Abstract Service Podcast

Michael Haltman
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The Do You Ever Wonder podcast from Hallmark Abstract Service was created for one purpose...To explore topics that our listeners want to learn more about! To achieve this we invite expert guests to discuss their specific areas of expertise with our host, Hallmark Abstract Service CEO Mike Haltman. We are always looking for input from listeners about what they would like to hear about and learn about. We have spoken with 1-800-Flowers founder Jim McCann, Heroes To Heroes Foundation founder Judy Elias, ’The Everyday Entrepreneur’ Rob Basso, Ellen Leikind of Poker Divas, women's financial literacy crusader Cary Carbonaro, and so many more. We explore subjects ranging from health and nutrition, real estate, personal finance, entrepreneurship, business, career, science, philanthropy, and of course issues we all face in life!Episodes can also be heard at Padverb here: https://en.padverb.com/hallmark1

  1. How A CRE Sponsor Raises Millions From Commercial Real Estate Investors They’ve Never Met!

    FEB 22

    How A CRE Sponsor Raises Millions From Commercial Real Estate Investors They’ve Never Met!

    Need Hundreds Of Accredited Investors For A CRE Project? Meet Adam Gower! Adam speaks with Do You Ever Wonder host Mike Haltman about integrating AI across the entire real estate lifecycle of a deal. Through GowerCrowd, Adam takes sponsors from sourcing and underwriting to operations, capital formation, and exit. And through Know-Like-Trust-Invest he will bring hundreds of accredited investors to the opportunity. In Adam’s view, traditional fundraising techniques are obsolete! If you need 60–70% financing? Call a mortgage broker. If you need 500 accredited investors and want to cast the widest net possible? Call Adam Gower! In this episode of Do You Ever Wonder, Dr. Gower explains how CRE sponsors raise capital at scale using the Know–Like–Trust–Invest framework and why traditional fundraising is rapidly becoming obsolete. If you’re a sponsor, syndicator, or investor, or if you need to raise capital, this conversation may change how you think about trust, credibility, and conversion. _____________________________________________ How do you raise capital from commercial real estate investors you’ve never met? If you need a loan for 60-70% of your financing, you call a mortgage broker! But, if you need 500 accredited investors, most, if not all, who you've never met, you call Adam Gower at GowerCrowd.com! In this episode of the Do You Ever Wonder Podcast, I sit down with Dr. Adam Gower, a commercial real estate veteran, educator, and one of the foremost authorities on digital capital formation. With over $1.5 billion in CRE transactions, a Ph.D. in banking history & risk mitigation, and decades spanning development, distressed assets, and fintech innovation, Dr. Gower explains how the rules of investor relationships have fundamentally changed. We dive into: • The Know–Like–Trust–Invest framework • How sponsors build credibility at scale • Why traditional “country club” fundraising is fading • The role of AI in commercial real estate • The coming CRE refinancing/maturity wall • Common mistakes sponsors make when raising capital online If you are a: • Commercial real estate investor • Syndicator • Sponsor • Developer • Capital raiser • CRE professional …this conversation will reshape how you think about investor psychology, marketing, trust-building, and conversion. Dr. Gower also shares insights from: • Institutional investing • Distressed debt cycles • The post-JOBS Act landscape • AI-driven CRE workflows Watch the full episode now and let us know your thoughts. If you enjoy deep-dive conversations on real estate, finance, markets, risk, and strategy, be sure to: - Subscribe to the channel - Like the video - Share with a fellow investor ___________________________________________________ Please subscribe to Do You Ever Wonder using the two links below, and don't be shy about sharing the podcast with your friends. Subscribe to Do You Ever Wonder on YouTube here: https://www.youtube.com/@DoYouEverWonder943/videos Subscribe on your favorite streaming platform here: https://www.buzzsprout.com/1862986  _______________________________________________ Hallmark Abstract Service

    45 min
  2. Was the 2008 Housing and Financial Crisis Misdiagnosed?

    FEB 9

    Was the 2008 Housing and Financial Crisis Misdiagnosed?

    Was the 2008 Housing Crisis Misdiagnosed? Kevin Erdmann on Supply, Policy, and the Myths We Still Believe You don’t have to agree with every conclusion—but you do need to understand the argument. What if the biggest mistake of the 2008 financial crisis wasn’t reckless lending or mass overbuilding—but a fundamental misdiagnosis of the problem itself? In this episode, we speak with Kevin Erdmann, senior scholar at the Mercatus Center and author of Shut Out, whose research challenges the mainstream narrative of the Great Financial Crisis. ___________________________________________________ Subscribe to Do You Ever Wonder for deep, non-consensus conversations on housing, real estate, policy, capital markets, and much more! Like, comment, and share if this episode challenges your assumptions. ____________________________________________________ Erdmann argues that the U.S. did not suffer from a nationwide housing oversupply in the 2000s. Instead, America entered the crisis with too few homes in the places people most wanted to live—and policymakers responded to the crash by tightening credit and regulation in ways that deepened the downturn and locked in today’s housing shortages. This is a calm, data-driven conversation—not a hot take—about how housing supply, migration, zoning, and financial policy interacted in ways we still misunderstand. Topics discussed: Why Erdmann believes the U.S. never had a classic national housing bubble The difference between “closed-access” cities (NYC, SF, LA) and “contagion” cities (Phoenix, Florida markets) How migration and regional price signals distorted national narratives Why post-2008 credit tightening and regulation worsened the recession What policymakers got wrong about housing risk and financial stability How zoning laws and NIMBYism turned housing scarcity into a long-term crisis Whether today’s housing market resembles 2006–2007—or something entirely different Who bore the real costs of housing shortages—and who benefited What investors, homebuyers, and policymakers are still misunderstanding today Why this matters now With housing affordability stretched, supply constrained, and rates reshaping demand, Erdmann’s framework offers a critical lens for understanding: Why prices remain high Why building hasn’t kept up with demand Why repeating old policy assumptions could make today’s crisis worse You don’t have to agree with every conclusion—but you do need to understand the argument. Subscribe to Do You Ever Wonder for deep, non-consensus conversations on housing, real estate, policy, capital markets, and much more! Like, comment, and share if this episode challenges your assumptions. ___________________________________________________ Please subscribe to Do You Ever Wonder using the two links below, and don't be shy about sharing the podcast with your friends. Subscribe to Do You Ever Wonder on YouTube here:    / @doyoueverwonder943  Subscribe on your favorite streaming platform here: https://www.buzzsprout.com/1862986  _______________________________________________ Hallmark Abstract Service...You Buy Real Estate, We Protect It! Questions about the podcast, NY title insurance, or the real estate transaction process?  Let us know at (646) 741-6101 or at info@hallmar

    36 min
  3. Failing Relationships...Is It You, or Your Attachment Style? Katarina Polonska Breaks It Down

    11/25/2025

    Failing Relationships...Is It You, or Your Attachment Style? Katarina Polonska Breaks It Down

    What if the biggest relationship problems you’re struggling with… aren’t actually your fault? Today, we sit down with Oxford-educated Behavioral Scientist and High-Performance Relationship Coach, Katarina Polonska, to deep-dive into Attachment Theory and Relationship Styles. ----------------------------------------------- What if the biggest relationship problems you’re struggling with… aren’t actually your fault? This episode's guest, Katarina Polonska, is an Oxford-educated behavioral scientist and high-performance relationship coach whose life story is as powerful as the science she teaches. She went from calling off her wedding, battling an eating disorder, and rebuilding her identity from scratch… …to becoming one of the sharpest thinkers in the world on attachment theory, partner selection, and why high achievers struggle in love. In this episode, Katarina breaks down the real science behind attraction, emotional patterns, and why we keep choosing partners who hurt us. She reveals: ⭐ Why intelligent, successful people often repeat the same relationship mistakes ⭐ How early attachment styles shape every romantic decision ⭐ The behavioral “scripts” that sabotage dating and long-term love ⭐ How to stop overfunctioning, people-pleasing, and self-sacrificing in relationships ⭐ The biggest shift in modern male/female dynamics—and why it’s rewriting the rules ⭐ Why calling off her own engagement became her greatest act of emotional courage ⭐ The 3 micro-steps anyone can take to repair (or attract) a healthy relationship ⭐ The truth about dating apps and why so many feel emotionally exhausted Whether you’re single, dating, or decades into a relationship, Katarina’s insights are refreshingly blunt, deeply compassionate, and rooted in science—not clichés. If you’ve ever asked yourself: “Why do I keep choosing the wrong people?” “How do I break this cycle?” “How do I finally feel secure in love?” …this episode will change how you think about relationships forever. 👇 FULL conversation with Katarina Polonska now available. Watch to the end—her final message for anyone at an emotional crossroads is worth it. ___________________________________________________ Please subscribe to Do You Ever Wonder using the two links below, and don't be shy about sharing the podcast with your friends. Subscribe to Do You Ever Wonder on YouTube here: https://www.youtube.com/@DoYouEverWonder943  Subscribe on your favorite streaming platform here: https://www.buzzsprout.com/1862986  Do you have a great story to tell? Are you interested in appearing as a guest on the Do You Ever Wonder podcast? Let Mike Haltman know at mhaltman@hallmarkabstractllc.com. The Do You Ever Wonder podcast is brought to you by New York title insurance provider Hallmark Abstract Service and hosted by its CEO, Mike Haltman. _______________________________________________ Hallmark Abstract Service...You Buy Real Estate, We Protect It! Questions about the podcast, NY title insurance, or the RE transaction process?  Let Hallmark Abstract Service know at (646) 741-6101 or at info@hallmarkabstractllc.com. Katarina Polonska, Katarina Polonska, relationship coach, attachment theory, relationship psychology, why relationships fail, high achievers relationships, avoidant attachment, anxious attachment, dating psychology, behavioral science love, relationship advice, how to pick a partner, healthy relationships, why dating is hard, dating apps truth, relationship podcast, emotional healing, how to repair a relationship, secure attachment, self-improvement podcast, Do You Ever Wonder Podcast, Mike Haltman podcast, love and relationships, Oxford-educated relationship coach, breakup recovery

    33 min
  4. The Birthrate Bomb: What Happens When Humanity Stops Replacing Itself?

    11/11/2025

    The Birthrate Bomb: What Happens When Humanity Stops Replacing Itself?

    The Silent Crisis Changing Everything: US Fertility Rate {1.6} vs. Replacement Rate {2.1)! Do you ever wonder what happens when the world quietly slips below the point of population replacement?  It’s not a dystopian fantasy—it's the reality unfolding right now across the developed world. In this episode of Do You Ever Wonder, we tackle The Birthrate Bomb, an unprecedented demographic crisis with profound consequences for every facet of life.  Our guest is Elliot Daigneault, an entrepreneur who has closely studied the growing crisis. The numbers are stark: the required replacement rate is {2.1} children per woman, yet the United States fertility rate has plummeted to {1.6}.  This gap is creating aging societies, shrinking consumer bases, and an economic system built on perpetual growth facing an existential reckoning. Inside the Episode: Economic Collapse, Real Estate Chaos, & the Workforce Crisis We dive deep into the real-world consequences of this fertility rate collapse: Real Estate Market Disaster? What happens to housing demand and property values when there are fewer young people to buy homes? We explore how a declining workforce and aging demographics could permanently alter the real estate market.The Future of Business: How can businesses survive and thrive amidst crippling labor shortages? We analyze the impact on wages, automation, and the long-term viability of industries that rely on a growing talent pool.Economic Reckoning: Can our pension systems, Social Security, and national debt withstand a rapidly shrinking base of workers? We break down the threat to the overall economy and the end of predictable GDP growth.The Million-Dollar Question: Is Immigration the Solution? Can sustained immigration solve the demographic deficit and save our economy? Or does the answer require a completely new approach to family, work, and community life? Is the future one of innovation and adaptation… or quiet decline? Don't Miss a Moment! If this episode made you think, please hit the LIKE button! SUBSCRIBE to the Do You Ever Wonder channel for weekly deep dives into the questions that matter most. 🗣️ SHARE YOUR THOUGHTS: What do you think happens when humanity stops replacing itself?  Let us know in the comments below! ___________________________________________________ Please subscribe to Do You Ever Wonder using the two links below, and don't be shy about sharing the podcast with your friends. Subscribe to Do You Ever Wonder on YouTube here: https://www.youtube.com/@DoYouEverWonder943  Subscribe on your favorite streaming platform here: https://www.buzzsprout.com/1862986  Do you have a great story to tell? Are you interested in appearing as a guest on the Do You Ever Wonder podcast? Let Mike Haltman know at mhaltman@hallmarkabstractllc.com. The Do You Ever Wonder podcast is brought to you by New York title insurance provider Hallmark Abstract Service and hosted by its CEO, Mike Haltman. _______________________________________________ Hallmark Abstract Service...You Buy Real Estate, We Protect It! Questions about the podcast, NY title insurance, or the RE transaction process?  Let Hallmark Abstract Service know at (646) 741-6101 or at info@hallmarkabstractllc.com.

    30 min
  5. Are They Actors Or Activists? Inside ‘Crowds On Demand’ and the Power of Influence!

    10/10/2025

    Are They Actors Or Activists? Inside ‘Crowds On Demand’ and the Power of Influence!

    SHOCKING: Was the Massive Counter-Protest Crowd Last Night Full of REAL Activists... or PAID ACTORS? That was a huge crowd, no doubt! They are passionate, loud, and full of energy, but are they paid actors? What really goes into creating buzz, influence, and public momentum? In this episode, Do You Ever Wonder goes inside the world of organized influence and explores how crowd dynamics shape perception and power. From corporate launches to advocacy movements, the art of influence management has become one of the most powerful tools in business and media. On this episode of the Do You Ever Wonder podcast, host Mike Haltman sits down with Adam Swart, CEO of Crowds on Demand, to discuss: • How organizations use events and crowds to amplify messages • The role of public relations, perception, and storytelling in modern activism • Ethical considerations of paid participation and advocacy • The evolving relationship between authentic engagement and strategic influence This isn’t about sides, Democrat vs. Republican — it’s about understanding how influence works in a connected world where attention is currency. Want to reach Adam? Visit the Crowds On Demand website here, https://crowdsondemand.com/contact-us, and leave him a note. Listen now and join the conversation about the intersection of business, media, and the power to shape opinion. Subscribe for more episodes on leadership, communication, and the unseen forces driving today’s biggest stories. ___________________________________________________ Please subscribe to Do You Ever Wonder using the two links below, and don't be shy about sharing the podcast with your friends. Subscribe to Do You Ever Wonder on YouTube here: https://www.youtube.com/@DoYouEverWonder943  Subscribe on your favorite streaming platform here: https://www.buzzsprout.com/1862986  Do you have a great story to tell? Are you interested in appearing as a guest on the Do You Ever Wonder podcast? Let Mike Haltman know at mhaltman@hallmarkabstractllc.com. The Do You Ever Wonder podcast is brought to you by New York title insurance provider Hallmark Abstract Service and hosted by its CEO, Mike Haltman. _______________________________________________ Hallmark Abstract Service...You Buy Real Estate, We Protect It! Questions about the podcast, NY title insurance, or the RE transaction process?  Let Hallmark Abstract Service know at (646) 741-6101 or at info@hallmarkabstractllc.com. Do You Ever Wonder, Crowds On Demand, Influence Marketing, Public Relations, Media Strategy, Event Management, Crowd Dynamics, Ethics In Business, Thought Leadership, Podcast, Communication, Modern Advocacy, Leadership

    38 min
  6. How Ron Koenigsberg Built Long Island’s Top CRE Brokerage, American Investment Properties... With A Brash New York-Style, And Big Results!

    09/29/2025

    How Ron Koenigsberg Built Long Island’s Top CRE Brokerage, American Investment Properties... With A Brash New York-Style, And Big Results!

    Selling Commercial Real Estate On Long Island? Ron Koenigsberg Was Born To Be Your Broker! What happens when accounting discipline collides with New York hustle?  Meet Ron Koenigsberg, CCIM — the brash NYC commercial real estate broker who built one of Long Island’s fastest-growing firms, American Investment Properties. What happens when accounting discipline collides with New York hustle? Meet Ron Koenigsberg, CCIM — the brash NYC commercial real estate broker who built one of Long Island’s fastest-growing firms, American Investment Properties. And Ron has achieved all of his success, battling along the way to overcome dyslexia! From his early days at Arthur Andersen to managing $360M in acquisitions for Chiyoda Life, Ron has mastered the numbers, the strategy, and the art of the deal. His journey includes: 🏆 2025 Broker of the Year – Long Island Business News 🏅 2022 Executive Circle Award – Long Island Business News 🏆 2022 Platinum Broker Award – CREXi 🏆 2017 Broker of the Year – Long Island Business News 🏆 2017 Build Real Estate & Property Awards 🎖 CCIM Designation — earned by only 6% of commercial brokers worldwide But titles only tell part of the story. Ron shares how childhood inspiration, grit, and a willingness to “get down on his hands and knees at 5 a.m. to measure a building” shaped his career. Today, he’s not only a CRE powerhouse but also a big believer in AI and ChatGPT, proving that even the most seasoned dealmakers embrace innovation. 👉 Regardless of whether you’re an investor, attorney, commercial real estate professional, CRE property owner, or simply in business wanting to learn how to grow your career, this episode is packed with insights on integrity, market growth, and what it really takes to succeed in the competitive NYC and Long Island real estate markets and beyond. Ron can be reached by phone at 516-393-2300, by email at ron@aiprops.com, or at his company website at https://aipcommercialrealestate.com/. Ron’s book, Power Broker: How to Succeed in Life and Business, can be found at Amazon here https://www.amazon.com/Power-Broker-Succeed-Life-Business/dp/B0CPVB8M5C 📌 Don’t forget to like, subscribe, and drop a comment with your biggest takeaway from Ron’s story! ___________________________________________________ Please subscribe to Do You Ever Wonder using the two links below, and don't be shy about sharing the podcast with your friends. Subscribe to Do You Ever Wonder on YouTube here: https://www.youtube.com/@DoYouEverWonder943  Subscribe on your favorite streaming platform here: https://www.buzzsprout.com/1862986  Do you have a great story to tell? Are you interested in appearing as a guest on the Do You Ever Wonder podcast? Let Mike Haltman know at mhaltman@hallmarkabstractllc.com. The Do You Ever Wonder podcast is brought to you by New York title insurance provider Hallmark Abstract Service and hosted by its CEO, Mike Haltman. _______________________________________________ Hallmark Abstract Service...You Buy Real Estate, We Protect It! Questions about the podcast, NY title insurance, or the RE transaction process?  Let Hallmark Abstract Service know at (646) 741-6101 or at info@hallmarkabstractllc.com. Long Island commercial real estate, Commercial Real Estate, NYC Real Estate, CRE, Long Island Real Estate, Real Estate Investing, ChatGPT, Do You Ever Wonder Podcast, Ron Koenigsburg, American Investment Properties

    38 min
  7. From Eastern Europe's Jewish Underground To NYC Real Estate And The Underworld: A Story of Survival, Business, And Family

    09/18/2025

    From Eastern Europe's Jewish Underground To NYC Real Estate And The Underworld: A Story of Survival, Business, And Family

    From Eastern Europe's Jewish Underground To NYC Real Estate And The Underworld: A Story of Survival, Business, And Family It's a personal story from Martin Hausvater that begs to be made into a movie or documentary! What happens when old-world survival meets the New York construction underworld? In this powerful video, we unpack Martin Hausvater's incredible memoir, 'Hausvater: From the Jewish Underground to NYC's Underworld' This is a multigenerational story of grit, risk, and resilience. We explore how family stories of survival and Jewish resistance in Eastern Europe fighting against antisemitism during the 1940s shaped later generations' approach to life and business in New York City. The video delves into the toughest challenges a family faced when first entering New York's construction world. You'll learn about the "gatekeepers and fixers" who controlled projects and how navigating informal rules was just as important as skill and hard work. Discover the moral and ethical dilemmas faced by the family, where "savvy" could often be mistaken for "crooked”.  We discuss the tension between assimilation into NYC's business culture and maintaining Jewish identity and ethics. The video explores how generational memory, from scarcity and trauma to resilience, influences business decisions even decades later. This is a raw look at how antisemitism and other challenges were navigated by one family. This story offers powerful lessons for today's entrepreneurs and anyone navigating industries dominated by informal networks. It's a raw and honest look at how one family built a legacy from a past of resistance and how transparency and modernization have changed the construction world. This is a must-watch for anyone interested in real estate, construction, Jewish history, and business ethics. Key Takeaways: • The connection between a Jewish resistance movement and the NYC construction world. • How three generations navigated ethical dilemmas in business. • Timeless lessons on survival and resilience for modern entrepreneurs. ___________________________________________________ Please subscribe to Do You Ever Wonder using the two links below, and don't be shy about sharing the podcast with your friends. Subscribe to Do You Ever Wonder on YouTube here:  https://www.youtube.com/@DoYouEverWonder943?sub_confirmation=1 Subscribe on your favorite streaming platform here: https://areyouwondering.buzzsprout.com/share Do you have a great story to tell? Are you interested in appearing as a guest on the Do You Ever Wonder podcast? Let Mike Haltman know at mhaltman@hallmarkabstractllc.com. The Do You Ever Wonder podcast is brought to you by New York title insurance provider Hallmark Abstract Service and hosted by its CEO, Mike Haltman. _______________________________________________ Hallmark Abstract Service...You Buy Real Estate, We Protect It! Questions about the podcast, NY title insurance, or the RE transaction process?  Let Hallmark Abstract Service know at (646) 741-6101 or at info@hallmarkabstractllc.com. #JewishUnderground #NYCUnderworld #Memoir #BusinessLessons #OrganizedCrime #JewishResistance #SurvivalStory #RealEstate #BusinessEthics #History #NYC #MartinHausvater #Antisemitism #OrganizedCrime

    44 min
  8. Inside the Democratic Party’s Identity Crisis | Madeline Summerville on Crime, Culture & Power

    08/25/2025

    Inside the Democratic Party’s Identity Crisis | Madeline Summerville on Crime, Culture & Power

    Does Political Commentary Always Have To Be A Pis-ing Contest? In this episode of Do You Ever Wonder, host Michael Haltman sits down with Madeline Summerville — an even-handed Democratic Party strategist, political communicator, and Jewish thought leader with a growing TikTok presence. Madeline is a welcome guest on CNN, MSNBC (MS Now) AND Newsmax and Fox because of her approach to political discourse. We dive into the future of the Democratic Party, the power of the far left, and the political cost of 80-20 cultural issues that divide voters. From crime and public safety messaging to the rise of antisemitism in progressive spaces, Madeline brings both insider strategy and personal perspective. 👉 Some of the topics we cover: Why Democrats struggle with crime messaging and media narrativesHow 80-20 cultural issues drive wedges within the partyThe influence of the far left vs. mainstream Democrats, including the surge of Zohran Mamdani in the NYC mayoral raceWhat Jewish Democrats are saying about the rise of antisemitism in politicsWhy messaging, storytelling, and framing matter more than policy in today’s media-driven environmentThis conversation is a must-listen for anyone interested in U.S. politics, Democratic strategy, antisemitism, United States culture, media influence, and the future of American elections. ___________________________________________________ Please subscribe to Do You Ever Wonder using the two links below, and don't be shy about sharing the podcast with your friends. Subscribe to Do You Ever Wonder on YouTube here:  https://www.youtube.com/@DoYouEverWonder943?sub_confirmation=1 Subscribe on your favorite streaming platform here: https://areyouwondering.buzzsprout.com/share Do you have a great story to tell? Are you interested in appearing as a guest on the Do You Ever Wonder podcast? Let Mike Haltman know at mhaltman@hallmarkabstractllc.com. The Do You Ever Wonder podcast is brought to you by New York title insurance provider Hallmark Abstract Service and hosted by its CEO, Mike Haltman. _______________________________________________ Hallmark Abstract Service...You Buy Real Estate, We Protect It! Questions about the podcast, NY title insurance, or the RE transaction process?  Let Hallmark Abstract Service know at (646) 741-6101 or at info@hallmarkabstractllc.com. #politics #politicalcommentary #madelinesummerville #politicalstrategy #democraticparty #antisemitism #zohranmamdani #farleft #media #FoxNews #MSNBC #Newsmax #CNN

    41 min
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The Do You Ever Wonder podcast from Hallmark Abstract Service was created for one purpose...To explore topics that our listeners want to learn more about! To achieve this we invite expert guests to discuss their specific areas of expertise with our host, Hallmark Abstract Service CEO Mike Haltman. We are always looking for input from listeners about what they would like to hear about and learn about. We have spoken with 1-800-Flowers founder Jim McCann, Heroes To Heroes Foundation founder Judy Elias, ’The Everyday Entrepreneur’ Rob Basso, Ellen Leikind of Poker Divas, women's financial literacy crusader Cary Carbonaro, and so many more. We explore subjects ranging from health and nutrition, real estate, personal finance, entrepreneurship, business, career, science, philanthropy, and of course issues we all face in life!Episodes can also be heard at Padverb here: https://en.padverb.com/hallmark1

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