What does it mean to “be the bank”—and how is artificial intelligence changing mortgage-note investing?

Fred Moskowitz joins Dr. Wayne Pernell on One Sharp Sword to explain how his career in computer engineering and technology leadership led him into alternative investing. Fred breaks down mortgage notes, the difference between active investing and passive note funds, and the factors investors should understand, including risk tolerance, minimum investment requirements, liquidity, and time horizon.

You’ll also hear how Fred uses AI to speed due diligence, cash-flow modeling, forecasting, research, and the review of large loan pools. Just as important, he explains why AI output must be tested, manually verified, and kept under human oversight.

This episode is about more than investing. It is a practical conversation about adapting to fast-changing technology while protecting trust, accountability, and human connection. The core leadership lesson: use better tools, but keep relationships at the center.

• How mortgage-note investing differs from owning rental property
• When active or passive note investing may fit different time commitments
• Why liquidity and investment horizon matter
• Where AI adds speed—and where people must retain judgment
• How engineering-style testing can reveal faulty assumptions or outputs
• Why being a good human remains a competitive leadership advantage

Connect with Fred: FredMoskowitz.com • GiftFromFred.com

Book: The Little Green Book of Note Investing

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Fred Moskowitz's LinkedIn Page: linkedin.com/in/thefredmoskowitz

Every interaction leaves a mark.

When people walk away from an interaction with you, do they feel more capable—or less?

Dr. Wayne Pernell sits down with leadership educator and author Doug Crandall to explore the central idea behind Doug’s book, Building or Diminishing: almost every interaction either strengthens another person’s capacity or quietly diminishes it.

Drawing on nearly three decades of leadership development experience, including teaching at West Point and developing corporate executives, Doug reveals how expectations, trust, dignity, and presence shape the people we lead.

In this episode, you’ll learn:

• Why there may be no neutral interaction
  • How the Pygmalion Effect influences performance
  • Why leaders should assume positive intent
  • The difference between being kind and merely being nice
  • How to challenge people without diminishing them
  • The four leadership archetypes: Builder, Driver, Cheerleader, and Belittler
  • Why trust makes difficult feedback more powerful
  • How quickly a leader can reshape someone’s confidence
  • Why a phone on the table can weaken human connection
  • The question every leader should ask: “What does this person need to hear?”
  • Why reflection—not experience alone—creates growth

Doug also shares a formative lesson from fellow West Point instructor Everett Spain, who challenged him to “never meet a bad cadet.” That shift in expectations transformed how Doug taught, coached, and led.

The conversation offers a practical challenge for leaders, parents, coaches, educators, and anyone whose words affect others:

Am I building—or diminishing?

ABOUT DOUG CRANDALL

Doug Crandall is a West Point graduate, former West Point faculty member, Stanford MBA, leadership educator, and Head of Teaching at The Referent Group. He has designed leadership-development experiences for thousands of leaders and is the author and co-author of multiple leadership books, including Building or Diminishing.

CONNECT WITH DOUG

BuildingOrDiminishing.com
Doug Crandall on LinkedIn: linkedin.com/in/doug-crandall-585a4

ABOUT THE SHOW

One Sharp Sword, hosted by Dr. Wayne Pernell, cuts through to what matters most in leadership, personal growth, relationships, and high performance.

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Award-winning director, author, speaker mentor, and entrepreneur Tricia Brouk returns to One Sharp Sword for a powerful conversation about ambition, presence, service, and wise leadership.

Tricia takes Dr. Wayne Pernell from her childhood on a Missouri farm to a global dance career that included performing with Mikhail Baryshnikov. She shares how appearing in Antigone shortly after 9/11 transformed her understanding of art as service—and why influential communicators must show up prepared to care for their audience.

They explore why speakers should share from the scar rather than the wound, the difference between having emotion and becoming emotional, and how Tricia's STILL method—Stop, Tune In, Intuit, Listen, and Learn—helps leaders respond from wisdom instead of ego.

Tricia also discusses Being Smart Is Stupid, The Wise Leopard, the upcoming film Dog Years, and the leadership lesson at the heart of her relationship with Wayne: work with people who make you better.

Connect with Tricia, explore her books, and learn about her workshops: https://triciabrouk.com/

Pease enjoy Tricia’s free programs at www.TriciaBrouk.com/workshops

🎥 Watch the full episode now on my YouTube channel: https://youtu.be/jca6BPENyE0

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#OneSharpSword #WaynePernell #TriciaBrouk #Leadership #DreamBig #PersonalGrowth #LeadershipDevelopment #SuccessMindset #WomenInLeadership #Purpose

Tricia Brouk 's LinkedIn Page: linkedin.com/in/triciabrouk