Podcasts about 190k

On today's Wholesale Hotline Podcast (Wholesaling Inc Edition), Brent is joined by Micah Nichols who breaks down how a Joe Home Buyer franchise in Kentucky made $250K from just six deals using a simple direct mail strategy—offering 90% of ARV to reel in seller leads. Show notes -- in this episode we'll cover: Micah and Brent discuss why direct mail is dominating over cold calls—and how answering calls live with the right tone can be the difference between closing and losing a deal. Deep dive into Micah's data service providing the probate and inherited property leads used by top investors in the Rhino Tribe. The mindset shift investors need: Stop trying to convince sellers. Instead, discover those who already want a cash-as-is offer and align with their goals. Why high-quality, low-volume leads lead to massive profit spreads—with examples of $50K+ wholesale fees and a $190K multifamily buy appraising at $390K -- all the details inside the episode. Please give us a rating and let us know how we are doing! ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ ☎️ Welcome to Wholesale Hotline & TTP Breakout

In this episode, we welcome Stefani Robinson. Stefani is a 6x Emmy-nominated Writer/Producer, who has worked on shows including “Atlanta,” “Fargo,” “What We Do in the Shadows” and “Adults”. In our chat, she shares her upbringing, early inspirations, pathway into television, and experiences working on a variety of hit shows. She also provides a healthy dose of inspiration and advice for up-and-coming creators. “The Making Of” is presented by AJA:Commercial shoots require speed and precision, which is why Dubai-based freelance editor Nikolay Ivanov depends on AJA's Io 4K Plus for fast, reliable I/O for on set editorial. Find out how he uses the technology alongside other creative tools to collaborate with stakeholders and deliver cuts while the camera is still rolling. Read the Story HereVimeo L.A. Event:A night of inspiring Vimeo Staff Picks + live filmmaker commentary!Join the Vimeo curation team as they screen recent Staff Picked films with live, unscripted commentary from some of the best creators on Vimeo.6:30pm Doors7:30-9pm Films + commentary 9-11pm Reception - complimentary drinks + bites!RSVP required.Screening + reception are free to attend! Register hereThunderbolt 5 Speed. Ultra Portable Storage.The OWC Envoy Pro Ultra the first portable SSD to harness the power of Thunderbolt 5, delivering real-world speeds over 6000MB/s in a rugged, pocket-sized design. With up to 4TB of capacity and next-gen bandwidth, it's built for high-res video, VFX, and demanding post-production workflows—anytime, anywhere. Lightweight, bus-powered, and blazing fast, it redefines what portable storage can do.Explore it hereNew Solutions from Videoguys:Now through June 30, 2025, get more value when you buy an Atomos monitor-recorder from Videoguys.com! Purchase a Ninja or Ninja Ultra and receive a FREE qualified 240GB SSD. Upgrade to a Shogun Classic, Shogun Ultra, or Sumo 19SE and get a FREE qualified 480GB SSD. To claim your free drive, simply buy from Videoguys.com and complete the mail-in rebate directly through Atomos.With five big reasons to go Atomos—record direct from the sensor, enable a direct-to-edit workflow, capture longer sessions, access pro monitoring tools, and share your shoot—this is the perfect time to upgrade. Act fast, this offer ends June 30, 2025! Call Videoguys at 800-323-2325 to find the right Atomos monitor-recorder for your workflow. Browse hereCheck out the ZEISS Otus ML:Now on sale, the Otus ML 1.4/50mm photography lens from ZEISS is the new generation of high-quality optics for your photographic art. Find it at your favorite photo retailer! Explore it hereFeatured Film Festival: The 14th Evolution Mallorca International Film Festival (EMIFF) celebrates its eighth consecutive year on MovieMaker Magazine's prestigious “50 Film Festivals Worth the Entry Fee” list for 2025. Set in beautiful Palma de Mallorca, EMIFF stands out for its vibrant international community and commitment to bridging cultures through film. This year, the festival proudly presents its unique 4th annual Cinematography Focus, dedicated to honoring the art and craft of cinematography with special screenings, panels, and masterclasses. With its filmmaker-friendly atmosphere, stunning Mediterranean backdrop, and dedication to innovation and diversity, EMIFF is a must-enter festival for storytellers seeking inspiration, connection, and industry recognition. Learn more hereLast Submission Deadlines: July 6th and August 6th, 2025.Festival Dates: October 21st - 29th, 2025.Podcast Rewind:June 2025 - Ep. 85…“The Making Of” is created by Michael Valinsky.Promote your products or services to 190K filmmakers, broadcast production pros, and content creators reading this newsletter… email us at mvalinsky@me.com Get full access to The Making Of at themakingof.substack.com/subscribe

In this episode, we welcome Toby Oliver, ACS. Toby is an award-winning cinematographer of projects including Get Out, Insidious: The Last Key, M3GAN 2.0, “Apple Cider Vinegar” and “Dead to Me.” In our chat, he shares about his early days, education, and his collaboration with Jordan Peele on Get Out. He also dives deep into his latest TV series — and offers many insights for up-and-coming filmmakers today. “The Making Of” is presented by AJA:Commercial shoots require speed and precision, which is why Dubai-based freelance editor Nikolay Ivanov depends on AJA's Io 4K Plus for fast, reliable I/O for on set editorial. Find out how he uses the technology alongside other creative tools to collaborate with stakeholders and deliver cuts while the camera is still rolling. Read the Story HereThunderbolt 5 Speed. Ultra Portable Storage.The OWC Envoy Pro Ultra the first portable SSD to harness the power of Thunderbolt 5, delivering real-world speeds over 6000MB/s in a rugged, pocket-sized design. With up to 4TB of capacity and next-gen bandwidth, it's built for high-res video, VFX, and demanding post-production workflows—anytime, anywhere. Lightweight, bus-powered, and blazing fast, it redefines what portable storage can do.Explore it hereScreamfest Horror Film Festival: The 25th annual Screamfest Horror Film Festival call for entries deadlines are approaching! Screenplay submission deadline is June 15th. Winning screenplay receives $1,000 cash prize, software and more. Deadlines for new genre feature films and shorts are regular 7/15, final 8/1 and extended final 8/15. For more information visit screamfestla.com New Solutions from Videoguys:Now through June 30, 2025, get more value when you buy an Atomos monitor-recorder from Videoguys.com! Purchase a Ninja or Ninja Ultra and receive a FREE qualified 240GB SSD. Upgrade to a Shogun Classic, Shogun Ultra, or Sumo 19SE and get a FREE qualified 480GB SSD. To claim your free drive, simply buy from Videoguys.com and complete the mail-in rebate directly through Atomos.With five big reasons to go Atomos—record direct from the sensor, enable a direct-to-edit workflow, capture longer sessions, access pro monitoring tools, and share your shoot—this is the perfect time to upgrade. Act fast, this offer ends June 30, 2025! Call Videoguys at 800-323-2325 to find the right Atomos monitor-recorder for your workflow. Browse hereFeatured Book Release:The Director's Guide to Everything is the ultimate road map for mastering the craft. More than just a guide — it's a masterclass in how to turn your vision into reality. The Director's Guide delivers a comprehensive, no-nonsense education in the art and science of directing — with practical knowledge drawn from decades of experience in the trenches of motion picture production. www.adakinpress.comPre-orders only for now. Shipping July 1st.One-Lens 360 Plates. Seamless by Design.IgelkottPlates.com offers the only plug-and-play driving and environment plates made specifically for virtual production. No stitching, no setup fuss—just clean, calibrated material designed to drop into any pipeline with zero surprises. Built for real-time workflows and in-camera results.Learn more hereCheck out the ZEISS Otus ML:Now on sale, the Otus ML 1.4/50mm photography lens from ZEISS is the new generation of high-quality optics for your photographic art. Find it at your favorite photo retailer! Explore it herePodcast Rewind:June 2025 - Ep. 84…“The Making Of” is created by Michael Valinsky.Promote your products or services to 190K filmmakers, broadcast production pros, and content creators reading this newsletter… email us at mvalinsky@me.com Get full access to The Making Of at themakingof.substack.com/subscribe

This week Francis is joined by award winning financial reporter, Phil Rosen. Last year Phil left his role as Senior Markets Reporter at Business Insider to pursue his independent newsletter-first media company, Opening Bell Daily. His flagship newsletter Opening Bell Daily, now has over 190k subscribers within its first year of operation. Opening Bell Daily: https://www.openingbelldailynews.com Phil's X: https://x.com/philrosenn 00:00 Introducing Phil Rosen and Opening Bell Daily 02:00 Building the foundation of a successful writer 05:27 Independent journalism's rise over established media 13:49 Navigating the business side of journalism 18:22 The freedom of building a new business model 21:40 Phil's ambitions to NOT scale the business 24:32 The death of objectivity in journalism 30:48 The untapped market for valuable growth 33:40 Overcoming the fear of posting video 39:30 Paywalls: The necessary evils of the media business 44:36 Advice for aspiring writers and creators

Spurs Chat: Discussing all Things Tottenham Hotspur: Hosted by Chris Cowlin: The Daily Tottenham/Spurs Podcast Hosted on Acast. See acast.com/privacy for more information.

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Amanda Cruise and Ash Patel interview Jason Adams, owner and president of Signal Ventures, who shares his extensive experience in real estate development, particularly in self-storage and light industrial properties. Jason discusses the current state of the self-storage market, the intricacies of ground-up development, financial insights, and marketing strategies for stabilization. He also delves into adaptive reuse projects and the potential of existing facilities, while reflecting on his past experiences and future plans in the real estate sector.   Sponsors: Altra Running

Should we be paying for TDs to keep fit?Leinster House have put up a posting for a personal trainer, needed for the next 4 years, to keep TDs and Senators in shape. And, the wage is around €190,000.Joining Andrea to discuss if this is necessary is Senator Mary Seery Kearney, Clinical Psychotherapist, Stephanie Regan, Green Party TD Steven Matthews and more.

On Monday evening, the "White Dudes for Harris" initiative raised over $4 million, drawing more than 190,000 participants and 150,000 new group members. Organized by Democratic activists unaffiliated with Harris' campaign, the call featured celebrities like Jeff Bridges, Mark Hamill, Bradley Whitford, Josh Gad, Joseph Gordon-Levitt, Paul Scheer, Lance Bass, and Josh Groban. LinkedIn co-founder Reid Hoffman and filmmaker J.J. Abrams each pledged to match $50,000 in donations. This event is part of a broader demographic-focused mobilization for Harris, following President Biden's withdrawal and endorsement, which saw 40,000 people join a "Win With Black Women" call. Learn more about your ad choices. Visit megaphone.fm/adchoices

The American Democracy Minute Radio Report & Podcast for July 29, 2024When Voter Registration Purges Cross the Line from Standard Practice to SuppressionWhen citizens move or die, voter registration lists need to be updated as part of routine list hygiene.  But when lists are aggressively purged, particularly close to an election, it crosses the line into voter suppression.To view the whole script of today's report, please go to our website.Today's LinksArticles & Resources:Brennan Center for Justice - Explainer: Voter PurgesVoting Rights Lab - New Laws Risk Purging Eligible Voters in Advance of This Year's ElectionsAtlanta News First - More than 190K names removed from Georgia voter roll ahead of 2024 electionWyoFile - Wyoming voids 28% of its voter registrations in mandatory purgeOhio Capital Journal - Ohio's voter purge “disproportionately targets voters of color”, civil rights organizations sayAssociated Press - In Georgia, conservatives seek to have voters removed from rolls without official challengesDayton Now - Groups criticize Ohio Secretary of State LaRose for making over 158,000 voters inactiveEssence - Black People Are Getting Removed From Voter Rolls And More Purges Could Be On The WayCheck Your Voter Registration U.S. Election Assistance Commission – Register And Vote in Your State USA Vote Foundation – Registration, Eligibility, State Election Office Links Vote.Gov – Register to Vote in Your State Vote.Org – Check Your Registration to Vote Groups Taking Action:Ohio Organizing Collaborative Please follow us on Facebook and Twitter and SHARE!  Find all of our reports at AmericanDemocracyMinute.orgWant ADM sent to your email?  Sign up here!Are you a radio station?  Find our broadcast files at Pacifica Radio Network's Audioport and PRX#Democracy  #DemocracyNews #VoterSuppression #VoterRegistrationPurge  

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I'm joined by Jonathan Courtney, Co-Founder and CEO of AJ&Smart, a Digital Product Design agency, to give our insights into the strategies and tactics driving a viral AI-powered Dating Advice app to $190,000 in monthly revenue. We also explore the power of anti-trends and how to leverage them to build a startup. Don't miss out on this must-watch episode!

MindsFest Tickets: https://tickets.vulcanpresents.com/e/... Promo code AJW for 20% OffIn this video I discuss a situation out of Atlanta Georgia where squatters are so entitled to a man's property they refused to accept a rent free offer to live thereWebsite: https://www.actualjusticewarrior.com/https://linktr.ee/ActualJusticeOdysee: https://odysee.com/@actualjusticewarr...Rumble: https://rumble.com/ActualJusticeWarriorInstagram NEW:   / actualjustice  Twitch:   / actualjusticewarrior  Utreon: https://utreon.com/c/ActualJusticeWar...2nd Channel:    / ajw2dreamscometrue  TeeSpring Store: https://teespring.com/stores/actualju...New Store: https://actualjusticewarrior.myspread...Gettr: https://gettr.com/user/iamsean90Parler: https://parler.com/profile/Actualjust...https://www.minds.com/actualjusticewa...Support me on Patreon:   / seanfitzgerald  Paypal: https://www.paypal.me/Iamsean90Venmo: https://venmo.com/iamsean90Support me on Subscribe Star: https://www.subscribestar.com/seanfit...Gab: https://gab.com/Iamsean90Twitter   / iamsean90   Backup Twitter   / ajwsean  Bitchute: https://www.bitchute.com/actualjustic...Discord:   / discord  3rd:    / dudemonkeyhq  Get Storable Food: https://www.preparewithajw.comGet Pocketnet: https://pocketnet.app/actualjusticewa...Podcast Links:Spotify: https://open.spotify.com/show/1o0q86A...Apple: https://podcasts.apple.com/us/podcast...Google Podcast: https://podcasts.google.com/feed/aHR0...Sources: Local News Segment:    • Squatter sues Atlanta property owner ...  #Squatters #Atlanta #IamSean90FAIR USE NOTICEThis video may contain copyrighted material; the use of which has not been specifically authorized by the copyright owner. We are making such material available for the purposes of criticism, comment, review and news reporting which constitute the 'fair use' of any such copyrighted material as provided for in section 107 of the US Copyright Law. Not withstanding the provisions of sections 106 and 106A, the fair use of a copyrighted work for purposes such as criticism, comment, review and news reporting is not an infringement of copyright.

EP318 - Temu Deep Dive with Earnest Analytics  Episode Summary: In this episode, Jason "Retailgeek" Goldberg and Scot Wingo dive deep Temu, the online marketplace operated by the Chinese e-commerce company PDD Holdings, that has become the fastest growing retailer in history. Joining us on the episode is Michael Maloof is the Head of Marketing for Earnest Analytics. Earnest works with world-class data partners to acquires, anonymize, and productize insight about the entire U.S. Economy. They have posted numerous insights about Temu in the US this year: Feb 28: Temu's 2024 Super Bowl ad blitz failed to accelerate growth March 5: Temu is growing fastest among high income earners March 12: Almost half of Wish, AliExpress customers shop at Temu In this episode we cover who Temu is, how big they have become, who their customers are and what retailers they are likely impacting, their go to market strategy (and especially their marketing spend), the controversy around their use of the Global Postal Treaty, and some of their potential risks. We also explore where they could go next. If you're in the commerce space, you'll want to make sure you are up to speed on Temu. Don't forget to like our facebook page, and if you enjoyed this episode please write us a review on itunes. Episode 318 of the Jason & Scot show was recorded on Wednesday, March 13th, 2024. http://jasonandscot.com Join your hosts Jason "Retailgeek" Goldberg, Chief Commerce Strategy Officer at Publicis, and Scot Wingo, CEO of GetSpiffy and Co-Founder of ChannelAdvisor as they discuss the latest news and trends in the world of e-commerce and digital shopper marketing. Transcript Jason: [0:23] Welcome to the Jason and Scott show. This is episode 318 being recorded on Wednesday, March 13th, 2024. I'm your host, Jason “Retailgeek” Goldberg. And as usual, I'm here with your co-host, Scott Wingo. Scot: [0:39] Hey, Jason, and welcome back, Jason and Scott show listeners. Jason, one of the topics that is coming up a lot this year, we talked a lot at a lot in our recap and our preview is Temu. By many measures, people think they're one of the fastest growing e-commerce companies in history. If you watch the Super Bowl, I think they spent $8 trillion on ads there. So we want to do a deep dive into this and cover a number of topics. We want to talk about a little background around Temu. What's it mean for U.S. retailers? And, you know, it's a Chinese company. Does it even matter? If yes, why? Because Temu isn't public and they are a Chinese company, they don't really disclose any information. So we wanted to bring on a guest that is basically a Temu expert. So we looked around and we found Michael Maloof. He is the head of marketing at Ernest Analytics. Ernest works with world-class data partners to acquire, anonymize, and productize insights about the U.S. economy. They have posted lots of articles. This is how we found Michael. I think you know him as well from the trade show circuit. So he's going to help us do this deep dive into what's going on at Temu. Welcome to the show, Michael. Michael? Michael: [1:59] Yeah, thanks so much for having me on the show. Big fan of your annual predictions and the work you guys do. So I'm head of marketing at Earnest Analytics. We're the leading credit card retail pricing and healthcare claims data provider for investors and retailers. Before Earnest, I was actually a tech and telco analyst over at Goldman. The two credit card data sets we work with now, Orion and Vela, are probably the most pertinent to my conversations about the consumer economy and certainly this conversation today about TMU. They sourced respectively from a large account aggregator, like a budgeting app, and part of a POS system in the US. And Ernest essentially takes these massive and messy data sets, normalizes structures, and then puts them onto our platform so everyone from portfolio managers to marketers can see this third-party data. For example, you'd see market share, competitive benchmarking, customer behavior, revenue predictions, and macro trends for thousands of companies, including TMU. Scot: [3:03] Awesome. Thanks, Michael. And then, so which sector did you cover when you were an analyst at Goldman Sachs? Michael: [3:08] Tech and telco. So anything in the tech space, we had a few marketplaces in there, telecom companies. It's been a while though. Ernest has been my home now for seven years. Scot: [3:20] Okay. Was this in the Anthony Noto era you were there? Michael: [3:23] This was in the vera rossi era she was my my lead where we recovered uh latin american tech and telco. Scot: [3:30] Very cool awesome yeah they did goldman did the channelizer ipo so i get to know the team there pretty well awesome well before we jump into the data which we're excited to kind of hear what you have to share here jason i know this has become a very hot topic in your world you you You spoke on it at NRF. In your day job, you're getting tons of questions about this. I think you're booked out solid with Tmoo briefings. So those people pay big money for it, and our listeners don't pay. Give us the free version of your backgrounder on Tmoo. Jason: [4:05] Yeah, thanks, Scott. And I'm sure we'll spice in some other tidbits as we go, but I'll try to give a concise bullet. it. Temu is a subsidiary of a company that used to be called Pinduoduo in China. It's now called PDD Holdings, which is infinitely easier to spell, by the way. And PDD Holdings is one of the largest e-commerce companies in China. On a market cap basis, they keep flip-flopping with Alibaba. So they're super competitive. They're way north of like $400 billion in GMV in China and had a really interesting trajectory, but a couple of years ago, they launched Tmoo into first UK and then US, now 49 other markets as a new retail concept. And so a couple of things I'd want folks to know before we dive in with Michael, first of all, the name is a loose English acronym for team up price down. So I always pronounce Tmoo as in team. [5:08] There are multiple pronunciations out there, even from Tmoo employees. So I'm not sure there's an official pronunciation. In the United States, they launched in September of 2022. So they're about 18 months old now. And most folks were not familiar with them until, a surprise, three months after launching, they bought a Super Bowl ad. So they became familiar to millions of Americans with the Shop Like a Billionaire ad that ran in the Super Bowl in 2023. And then as Scott alluded to, they bought five ads in the Super Bowl this year. So they haven't disclosed what they paid. A normal 30-second spot in the Super Bowl costs about $7 million. They ran four ads during the Super Bowl and one during the postgame. So estimates are in the kind of $20 to $30 million that they spent just on that ad. There's a bunch of estimates for how big they are in the U.S. I'm eager to hear what Michael thinks, but his old rivals at Morgan Stanley have them at about $16 billion in GMV in the U.S. But more interesting, Morgan Stanley estimates they're going to be $32 billion by 2030. So you think about a retail company that launched in September of 2022, and then in the first year, business sold $16 billion worth of stuff. That's the fastest growing retailer of all times. We do know from other sources that they get more traffic every year than Target. [6:36] They've been the most downloaded shopping apps on the Android and Apple app stores since they were born. So they've kind of owned the top of that list. And a couple other little interesting things. They are a marketplace. They have invented a model they call next generation manufacturing. So they're a marketplace. It's all three-piece sellers that are selling goods on Temu. But unlike traditional Western-based marketplaces, Temu does a lot more of the work, of listing the products and fulfilling the products for the factory. So they may, if you're a factory, they say the only thing you need is a cellular internet connection, and they provide you all the infrastructure to become a successful seller on Temu. There's somewhere between 80 and 100,000 Chinese factories that are currently sellers on the marketplace. And then one big innovation is this week, they're turning on the ability for U.S. Marketplace sellers to sell and fulfill their goods from the U.S. as well. So one interesting question about a marketplace is, are they competing for sellers with Amazon and Walmart? And now they're bringing that fight to American soil. So that, I feel like, is enough to get us started. There's certainly an interesting company that's worth following. [7:52] The way I originally discovered Earnest is through this show. One of our most popular guests, Dan McCarthy, has been on a few times talking about his his CLV methodologies. And our listeners have really enjoyed his his commentary. He has partnered with Earnest Data several times to do some really interesting analytics. And you guys at Earnest have published a couple of those as thought leadership. And so that's how I first met you. And then, Michael, I noticed you published like three articles on Temu this year. Michael: [8:22] That's right. Right. Teamio has been one of the top client asked for themes. It's definitely something we're seeing a lot in the press. We work a lot with those thought leaders as well. And that's something that we're getting a lot of questions on from everyone from business to fashion to Dan McCarthy. So glad to answer any questions there. We are kind of in a unique spot, kind of have the dashboard on the consumer economy, if you will. Basically what's going on within the last few days we can see everything from customer acquisition they have to their gross market merchandise value. Scot: [8:56] Got it let's let's start at the basics and let's pretend you know so i see Temu and you know it looks like they've got and you know one of my theories is it feels a lot like wish.com so it's really kind of cheap stuff slower ship going to what i would call value-oriented and consumers, you know, in your data, what, what kind of customer are, is buying this and then how fast do you think they are really growing? Michael: [9:22] Yeah, let me answer the second one first. Timmy's growing very quickly. Like you said, from late 2022 onwards, our data is showing double digit month to month growth, which is just explosive, right as it became a household name. In the first three months, for context, it had roughly as many weekly active users in the US as the largest fast fashion brand, Shein, and within 10 months had surpassed Shein in sales. And it had taken Shein years to get to that point. So really, a much shorter timeline. For an idea of size, about 18% of US households have shopped at TeamView since its launch. And in terms of GMV, in February, we saw about 1% of Amazon's US GMV. If you look at that, if you just break that out over the whole year, I believe in 2023, their net sales were something like over $500 billion. You're looking at around $50 billion in gross merchandise value moving through the service. But nevertheless, it's kind of not made really meaningful inroads with the largest online brands. I mean, it's still 1% in a good month. And that's actually decelerated since 2023. In fact, February of 2023 had fewer sales than January, despite the really heavy advertising spend you mentioned. [10:47] So yeah, there's some signs that the growth is kind of changing there. Mainly that retention is increasing even while this like... [11:01] New customer acquisition-based sales growth model is slowing down. TeamU's average customer lifetime value tracks higher than Walmart. And we're seeing customers becoming much more loyal. So that's an interesting kind of plus for them while sales in total are kind of hitting a lull. But yeah, let's talk about who those customers are too. It's definitely been one of the more interesting finds from our data. Despite the really low price points and that kind of gamified discount system, TeamView's US customer base skews middle to high income, actually. Sales among customers earning that over $190K, which is obviously very high up there, they're the fastest growing income bracket. And that's from May to January, May of 23 to January 24. So those sales to customers earning under $55K, like less than the median U.S. household income, that's actually the slowest growing. So today, about 44% of TeamU sales come from earners making over $130K. Not only do high-income earners account for the largest share, they're outgrowing. We just think that TeamU resonates mostly with customers with more disposable income. income, people who can afford to take a gamble on an item that might not work out. [12:27] You buy a floor mat for $5, it doesn't work. A middle high income person might just say, hey, it was $5 wasted, but the poor people don't always look at that. They're looking for a little bit more bang for their buck, can't afford that type of gamble. Yeah, it's interesting. Scot: [12:46] Cool and then you've you know you mentioned that they're you know basically their ltv is going up do you have any insight into why are they getting better at like maybe predictive analytics or recommendation engine or you know they see jason bought some gadget and then they they know he's now a gadget geek and they kind of start targeting do you have any insight into what's driving that that bump in LTV? Michael: [13:09] That's a good question. So I don't really have much insight into that. I try not to get out over my skis in terms of the data that I have available to me. We're looking at retention. We're looking for what's called a smile. Dan McCarthy talks about it all the time, which is over time as a company starts to bring back more customers that stopped stopped spending with them. And that's been pretty rare to see in e-commerce history. That's something they've managed to do. How they're doing that, I'm not totally sure. So it's definitely going to be the key for them to continue growing as new customer growth slows down, though. Scot: [13:52] Yeah. Jason, do you know? Jason: [13:54] Yeah. Well, so I don't know. I just want to point out that while Michael is wisely trying to not get over his skis, I live over my skis. So I'll tumble down the ski slope once again. One of the things I maybe should have said up front or maybe apparent to a lot of people is T-Moves marketing spend isn't just that Super Bowl ad. They're spending a fortune on digital ads and almost certainly losing a lot of money on every sale. So there's a Wall Street Journal article that came out this week that said that Temu or PDD overall spent over $2 billion with Facebook and was Facebook's largest advertiser. They're also Google's largest advertiser in the U.S. And so they're buying a lot of customers. And the the Wall Street Journal estimates that they're losing $6 on every sale. They're spending so much on customer acquisition. And so in that first year, they're doing a ton of marketing. There's a ton of people that never heard of Temu. They're acquiring those customers. They're getting that first order. [14:54] And, you know, a mini version of this is what Wish did until they ran out of money. But though it doesn't seem like there was a lot of evidence that Wish ever got traction, right? Like they didn't get those repeat orders. And what I think we're seeing And what I've seen in some of the data that Michael shared with us is that Temu very much is growing that LTV, getting repeat orders, even as the flood of digital marketing they're spending is sort of losing some efficacy as the law of large numbers kick in. And then I would also say Pinduoduo in China and now Temu in the U.S. Is very well known for their gamification. So they have lots of clever gamification mechanics on their websites, group buying, contests, gifts, one-time deals that are all like very carefully crafted to entice you to make an incremental purchase and to make an unplanned purchase. So I think all of those things appear to be working and then they hit you on social media with, you know, a huge spend, you know, right when you're, you're doom scrolling and expressing some, some purchase intent through your clicks. Scot: [16:08] Very cool. How about you, Michael, you mentioned this, this, this slowdown, which is exactly opposite of what I would have thought given the Superbowl ads. What do you, does the data show you anything there? Is it? Normal or like what what's going on. Michael: [16:23] Yeah i mean i don't know i don't know what would be normal for this company that's still up hundreds of percent a year but when i'm looking at at month over month growth which is the kind of the best way i can think to to look at it it is pretty remarkable there was some sort of a step change in august of last year where it went from growing double double digits each month to growing just single digits or down. The holidays, December actually was smaller than November in terms of their sales. And January was smaller still, makes sense. But February, also very challenged in terms of sales. I'm wondering if they're in a sort of spiral in terms of the new customer's first time kind of buying frenzy is over, or if this is a shift towards very purposely trying to get people in the door and they're just actually tapping brakes a bit on advertising spending. I'm not totally sure what this signals just yet. Scot: [17:35] Got it. Okay. Jason: [17:36] Is it safe to say that there's no clear evidence that spending $30 million million dollars on the Super Bowl had a super observable impact on their sales. Michael: [17:46] Okay. Yeah. So the Super Bowl. Let's talk about that. The million dollar question or $30 million question, I guess. The answer is probably not. There are a lot of ways to measure advertising effectiveness, as you guys know better than most. Brand awareness and net promoter score. But yeah, for a young company like this facing slowing new customer growth, I'd imagine they're looking to move the needle with each of these like big marketing events and the data just suggests that their multiple ads on February 11th had no meaningful boost in sales actually TeamU saw a noticeable deceleration in sales growth following the event actually kind of, like sales were significantly slower in the next few days. So unless they're measuring this on a much longer timeline, I don't think this investment was worth it. I think they would be better just plowing dollars into digital, wherever that is. Jason: [18:42] Yeah, it's super interesting. You know, obviously for listeners that don't know, my salary gets paid by those Super Bowl ads. I work for a big ad agency for which I'm very grateful. But the lot of controversy around our water cooler the day after the show. That was a spin that you rarely see. And in one metric, it clearly had an impact. There was a lot more discussion about Temu than any other company on social media the day after the Super Bowl. So the Super Bowl ads triggered awareness and conversation. I think they were the second behind Verizon, which had Beyonce, right? And so there was a lot of talk on social media. It was not all positive. There was a lot of discussion on social media, but people that hated the team who had the first time they saw it because it was sort of by Super Bowl standards, not a very high production animated ad. I think they made it in-house and they, you know, ran it with much greater repetition than audiences are used to. So it generated a lot of conversation that didn't necessarily translate to sales, at least that we can measure in the short term. And so that that's going to be interesting long term case study about what what these kind of, you know, splashy big reach audiences can and can't can't do. Right. Michael: [20:00] You know, I don't, again, skis and getting over them. It just seems like the outcome for them at this point should be a little further down the funnel. And I don't see how advertising spend like that will marginally get someone, persuade someone to buy a team you that wasn't already going to. It seems, yeah, it was a lot and there was no really movement in our data, either in new signups or in sales. I think there's some other research out that downloads are trending downwards or slowing down as well. We don't have that data, but I was reading elsewhere. So I think, Scott, this is maybe more to your 2024 prediction that people are realizing this is wish and slowing. and becoming less enamored or falling out of it. Jason: [20:52] No, no, no, no. Scott's predictions cannot be right. Scot: [20:55] Wait, if I hear that, you're pre-anointing that I'm right. Is that you're here in March, you're saying I was right with my prediction. Man, I'm good. Michael: [21:04] I didn't want to pick a side here, but I think people might be falling out of love with it, although it's not because it's not wish, it's because they're out wishing wish. We can talk to it a little bit. But I think people just realize Teamio is managing to disrupt Wish. And we can talk to the brands that it's disrupting. That's just one of many. It's got higher retention, bigger scale than Wish. But it does have the same limits as Wish and that this deep discount model doesn't have the big household brands that people want when they're making those everyday purchases that are slightly bigger, like the Tides and Cloroxes or the recognizable alternatives. There are just some things you don't want to replace and you don't want to gamble on. I don't think anyone wants to spend a dollar on detergent and see what happens. It's just going to be tough for them to scale at some point. I think the question we should be asking is if they've reached that point yet. I'm not sure. The sales growth slowing suggests they could have. But in the meantime, they are actually taking a wrecking ball to several other brands. So just because total sales is slowing doesn't mean the disruptive effect is slowing. Scot: [22:22] Yeah, let's go, Jason. Jason: [22:51] Because Temu is buying so many ads and driving the price on all those auctions up. So don't know if it's moving the needle on consumer impact or not, but it for sure is having an impact on their competitors, at least in that regard. Michael: [23:04] So you're saying maybe their goal is to just suck all the oxygen out of the room? Jason: [23:08] I'm saying that's potentially an unintended positive benefit. Mm-hmm. Scot: [23:15] Yeah, and you've teed us up there. Who is, is it retailers or is it more brands? Who's getting impacted by this? And kind of embedded in this question is, do you have an idea of the categories? Like if we looked at that pie of the 50 billion GMV, is it largely electronics? Is it apparel? Like what are the big wedges inside of there? Michael: [23:35] Yeah, well, so the great part about transaction data, it's really good at looking at brand disruption, or I should say retail disruption by brand. Not great at looking at the categories. You know, I don't see what an individual breakout of a credit card receipt is. I'm just seeing where people are spending. So I think that's the question I'm more equipped to answer. In terms of impact, some of the folks you think of when you think of mass market and discount retailers like Five Below and Walmart, the ones that you immediately want to ask if they're being disrupted, they seem like they'd have the most overlap. They've been pretty untouched, actually. Part of its overlap, only 19% of Walmart and Amazon's customers have even tried TeamU. And that's about the same as the total percent of US households that have tried it. substantially the whole country has made a purchase at Walmart and Amazon. So they're just not as at risk, maybe on the margins. But what we're seeing, I guess, next step up with some risk is the dollar stores. Dollar General, they share about a quarter of their customers with TeamU. And if you look at Dollar General's customers spending at TeamU, it's up over 800% year to year from January 23 to 24. Obviously, a super small base and flat. at Dollar General itself. [24:54] And then those TeamU customers who aren't, or those Dollar General customers who aren't TeamU customers, they're spending slightly up at Dollar General. It suggests that there's some impact. Again, not the biggest that we've seen. So I'd say like dollar stores kind of marginally. [25:10] This is not as supported by data, but just putting the data point together that the TeamU customers are spending less and TeamU customers are richer, you could come to the conclusion that Dollar General role is losing out on richer customers looking for deals a little bit. Maybe they're popping in for something they really don't want to spend a lot of money on, like a party, something like that. That's where the sales that they're losing is. Which actually kind of takes us to the last and biggest impact. Wish and AliExpress, as well as all those hobby lobby party supplies, like Oriental Trading. So I'll start with Wish. Their customers are just fleeing. I think there's no better way to say it. 50% less spend on Wish in January 2024 than January 2023, and over 680% increase at TeamU. That's just astounding. The Wish customer, once they try I, TeamU, they're done. It's game over. It's similar for AliExpress. And I think that what TeamU has really done early on, we need to think of them less as like an Amazon killer, and more as a brand that just came in to consolidate the existing demand for this deep discount online spending that these two, AliExpress and Wish kind of got off the ground in the US. [26:35] In terms of the hobby space, Oriental Trading, Hobby Lobby, Party City, they all experienced double-digit declines year-on-year in February among the customers who also shopped at TMU. And these brands, they're catering to occasional and discount merchandise. I think they're really going to struggle adapting to TMU. It's like I said, the person who doesn't mind throwing away $5, $10, $15 on party supplies if they don't work out. But it's a one-time thing anyway. way you know it's it's things that they're somewhat disposable items to these customers and very interchangeable got. Scot: [27:12] It i noticed you didn't mention amazon on that list is there is it there been an amazon impact or has it been. Michael: [27:18] That's great good catch pretty negligible just just like walmart they're just brands on those platforms at this point that you can't find at at these places i think when i say on the margins that's what i mean there could be hey, I need this small thing for my kitchen that I could get for $1 or get for $3. And that might be the sale they lose out on, but they're doing a better job of being one-stop shops. And I think with what we've seen, it doesn't seem like the business model is set to take on Amazon yet. Scot: [27:57] Got it. Yeah. Jason: [28:00] You know, a couple of things that come to mind. A, I think the dollar store thing is super interesting because historically dollar stores haven't sold very much online. Like, and, and, you know, usually their excuse is that, that super low price point discounted items don't work online. Right. And I, I think like in some ways I look at Temu and I say, they're actually the digital dollar store that did figure it out. Now. [28:25] It remains to be seen whether they can make money doing it in the long run. But it doesn't surprise me that those are some of the categories that are being disproportionately impacted. And I think you really hit something interesting on some of these everyday essential retailers that sell the brands that consumers are looking for and trust. [28:46] That, to me, feels like a different shopping occasion than the shopping occasion I think Timo is winning. Branding there's this whole new trend on all the social media platforms called dupes and you know people think of like knockoffs and forgeries where you you try to pretend you're a brand that you're not but dupes is a something different dupes is this is a very similar product to a name brand product but it it overtly is not the name brand product and it's a way better value and they're now these big cohorts of consumers that talk about their dupes and brag about their dupe finds and, you know, proudly make these, these dupe decisions. And it feels like those are the kind of things where, where Teemu's playing really well, where, you know, you're into, you know, crafting and you've, you know, there's some expensive machine, a cricket machine for cutting vinyl. And you say, oh man, I found a dupe on Teemu for 20 bucks, right? Like those Those feel like the kinds of occasions they're winning when you're willing to trade down for that no-name product and take a gamble versus when you know you want the Tide dishwasher soap. Michael: [29:58] I think that's a great point. They're taking advantage of the trading down phenomenon in general right now that a lot of brands are seeing, a lot of retailers are seeing. This is the perfect spot. I'll just go ahead and see if Temu has it. Maybe they will, maybe they won't. Scot: [30:15] Cool. One topic, and this is kind of a jump ball for you guys, is the, you know, I read a lot about this shipping model, and this was always Wish's kind of secret sauce is there's this, there's this like loophole in the postal code where if you send this something small, you know, it doesn't have any tariffs, number one. And then number two, there's like this really cheap postal rate, or I can't remember if China subsidizes it or it's free or we subsidize it, but there's some, there's kind of like double loopholes. There's a tariff one and a shipping one. And I've seen some noise lately about people wanting to kind of shut this down. Do you guys, either of you more expert on that than I am and have an opinion on if it's going to be sustainable or not? Jason: [30:57] I could certainly jump in there. So what you're talking about is there's this thing called the Global Postal Treaty. And it's a prearranged agreement between like 95 countries, 94 countries for how they'll deliver each other's mail. When you try to ship a letter from the U.S. to Germany, the U.S. Post Office is going to hand it to the German Post, and they need to know in advance how much the German Post is going to charge the U.S. Post Office to deliver that so that the U.S. Post Office can charge a rate in advance to you to deliver those things. So this global postal treaty is super valuable, and it makes it possible to cost effectively and, you know, with predictable rates, mail stuff all across the world. [31:41] Unfortunately, there's a couple of problems with it. There was the developed nations agreed that for less economically developed nations, they would have a preferred rate. So they would charge even less to deliver. The U.S. post office would charge less to deliver mail from a developing economy than they would from an established economy. And until recently, China was characterized as a developing economy, which is probably not accurate. And then the Postal Treaty specifies a dollar limit that it only is in effect for packages under a certain value. And so this is called the de minimis clause of the Postal Treaty. In the United States, the threshold is $800. So when Temu ships something to a consumer in the U.S. that costs under $800, they get a predetermined rate from the U.S. Post office, which is often cheaper than the rate to mail something from one part of the U.S. to the other. And Scott, per your point, there is no tariffs charged on that item and there is no import inspection on that item. So, you know, normally when we, you know, if a U.S. Retailer imports a container of goods from China, there's all kinds of inspections to make sure that the factory in China met labor standards and, you know, met environmental standards, and then they pay tariffs on all that. [33:08] The team who hands one package to the U.S. post office, they they get to bypass all that, which, you know, is, of course, controversial. No one wants to get rid of the Global Postal Treaty or even de minimis. But what they're saying is that the U.S.'s 800 hour threshold is probably way too high. Like China's threshold for reciprocation is something like forty dollars or something. So you could you could put a big dent in Temu if you just lowered the the threshold. And so there's There's, you know, noise in Congress about trying to change that limit. I would say that, you know, it is an unfair advantage in many ways, and U.S. Companies are certainly right to complain about that. [33:51] I would say that Temu is different than Wish. Wish took advantage of this cause. Temu takes advantage of it way more effectively, right? So Wish sold, you know, was a marketplace, and they had a factory sell something to an American consumer. And then it was up to the factory to get it to the American consumer. So the factory had to have their own postal account. And then they, you know, had to trigger this postal treaty. And there was no shipping confirmation. And often Wish products took a very long time to ship and a very long time to arrive. As part of this next-gen manufacturing model that Temu has, they do all that for the seller. And it uses Temu's postal account. And they expedite all of these things. Most of these goods get air freighted to the U.S. and put into the U.S. postal system. So while Wish items would have averaged three or four weeks delivery time. [34:46] Temu normally averages like five to seven days, and they almost always outperform their shipping promises. And in fact, they even have a guarantee. They give you $5 back if the package arrives late. So, you know, part of the reason that I don't think they're just purely Wish 2.0 is they actually do have a better, more reliable shipping experience than Wish. And they actually more effectively take advantage of this postal loophole than Wish ever did. Scot: [35:18] Yeah. And Wish took the proceeds of their IPO and built out some fulfillment centers. And they almost did their own version of that Amazon dragon boat or whatever that was called. Has T-Mood signaled they're going to do something like that where they have, you know, even more? Jason: [35:32] Yeah, they already have in some. So they're in 49 countries now. So they do have D.C. fulfillment centers in some of those countries. They've actually talked about opening a fulfillment center in Mexico for delivering goods in the western U.S. And so so they are talking about that. But then this other big thing is starting this week that a U.S. Seller could list their goods that, you know, the goods are already in a warehouse in the U.S. that US seller could list their goods on Temu and then deliver those goods from a US fulfillment center. So that's a potential way to get much faster delivery times for Temu. And we've already seen some badging. Temu has items with a rapid ship badge that are guaranteed for two-day delivery. So it does seem like Temu recognizes that over time, their fulfillment model is going to have to be more nuanced than just the the individual parcels uh coming one at a time but but you know that still seems like the the sort of biggest foundation of how they're delivering all these goods got. Michael: [36:36] It um the minimus though i can't imagine that much they would change would really have an impact we're seeing average ticket prices at 38 last month for for timmy like are they thinking thinking of reducing it by that much or. Jason: [36:52] So, I mean, a just talking about way over our skis, like my, my political acumen is very poor, but yeah, I don't think Congress is gonna do anything. I think like at most they'll have a, a hearing and try to look like tough guys talking about how unfair it is and how they're gonna try to protect the American businessman and the American consumer. And then when push comes to shove, they won't, they won't do anything, which is my, my cynical nature. But you're right. Right. Nobody's talking about dropping the de minimis low enough to to, you know, really trigger the bulk of these these Temu shipments. So it's it's more likely if they made a change, it would be a gesture, not like, you know, some some game changing thing. Now, you know, there's another big Chinese company out there, ByteDance, which is TikTok. And like there there is a bill going through Congress right now to ban TikTok. And so, you know, if something like that were to happen with, with a PDD or Temu, you know, that, that would of course, you know, be a, a big threat of a disruption. Scot: [37:54] Yep. And then on that example you gave, Jason, of a U.S. seller in a fulfillment center, is that Temu's fulfillment center or the seller's fulfillment center? Jason: [38:04] The seller's fulfillment center. So potentially what would be one of the ironies of this is, of course, as Amazon has expanded their fulfillment services, you could be an Amazon seller, be using FBA, and sell something on Temu and have Amazon fulfill it for you. Scot: [38:20] Yeah, Wish did something like this. What we found was the U.S. Seller struggled to get things in the price point that consumer wanted, right? It's like it's such this low quality stuff that almost has to be offshore for even to the manufacturer. Jason: [38:36] Yeah, I think you are 100 percent right there. I don't think they're going to like we don't know what the uptake is going to be on these U.S. Sellers. It's an interesting talking point, but it doesn't seem like there's going to be a bunch of U.S. Sellers that are going to likely participate in this like low price dupes demand that they have today. Now, what would be interesting, Pinduoduo, I mentioned, which is a huge, huge entity in China. Pinduoduo started with this same stuff. They started with really inexpensive marketplace goods. And as Pinduoduo got bigger and more established and won the hearts and minds of Chinese consumers, they moved up market. They started selling brand name stuff. They started selling higher quality stuff. And today they're a hybrid seller. PennDuoDuo in China sells their own goods in addition to marketplace items, which I've never seen before. Usually it always goes the other way. And so there's at least a premise that like maybe the U.S. sellers don't like add to the current assortment, but maybe the U.S. Sellers help Temu round out their assortment with some higher price point, you know, more recognizable goods for the U.S. consumer that helps them win more wallet share. Scot: [39:49] Interesting. Cool. We're running up against time. Do you guys have any other topics you want to hit before we call it a show? Michael: [39:58] No, I think it's fair. You know, I already mentioned one of your predictions. I should talk about the other one. Just to pick on Jason for a second. I don't think we'll make it to the 75% of target USC comm this year for Temu, Jason. Sorry. It's like a stretch. Scot: [40:17] Man. How do we get Michael on the show more? Like, I'm really enjoying this. This was a really good guess. Jason: [40:24] I feel like you're calling the winner of the Super Bowl in the first quarter, man. Come on. Michael: [40:27] Okay, well, I'll just put it this way. At 18% of the US households, three months into the year, it seems unlikely at their current growth that they get there. My view basically though, writing this, is that they've done a great job in the first year of attracting folks with a lot of disposable income to buy things that they likely wouldn't have bought anywhere else, like party supplies, household goods. It's maybe a different model than they they have in China. The challenge for them now, you guys both definitely identified this, that it's basically to convince people to switch everyday spending from Amazon and Walmart on those bigger items. And they don't have the assortment right now for that. And that's what you're mentioning. They need to either move up market or figure out what that assortment looks like. But that's going to be a bigger hurdle. They're reaching critical mass. They just have some decisions to make internally at this point. Jason: [41:17] Yeah. Well, in general, I feel like that is going to be a great place to leave it for this show because we have run out of our allotted time. But Michael, we really appreciated your insight. We'll certainly have you back. I know your view of the U.S. economy is useful for a whole bunch of topics that come up frequently on the show. But as always, if listeners enjoyed this episode, I hope you will jump on iTunes and leave us that five-star review. Scot: [41:46] Thanks, Michael. And this has been really good for Jason's ego. So I feel like you've knocked him down a couple of pegs. I appreciate that. And then if folks want to read more about your writing or connect with you, is LinkedIn the best place or are you more active on TikTok? Where can people find you? Yeah. Michael: [42:04] Michael Maloof on LinkedIn. I'm always posting a lot of Ernest data on there. And then also on our company blog, ErnestAnalytics.com. Go to the Insights blog and subscribe. Jason: [42:17] Yep. And I will put links to both the team new articles you guys published and your LinkedIn in the show notes. Michael: [42:23] Thank you. Jason: [42:24] Until next time, happy commercing!

On today's episode, Ashley sits down with Claudia Fabian, a beauty industry veteran with over three decades of experience. Claudia shares her journey from makeup artist and esthetician to becoming a celebrated Instagram beauty influencer, amassing over 190K followers. She discusses her decision to embrace her natural grey hair and use her platform to champion age positivity and glamour at any age. With candid stories from her illustrious career and her mission to shift the beauty industry's narrative around aging, Claudia challenges ageism and encourages a focus on skin health over anti-aging. Listen as Claudia, who has worked in high-profile salons and spas and held executive positions with major skincare brands, offers a fresh perspective on embracing beauty at every stage of life. Follow her transformative beauty insights and join the movement towards a more inclusive and age-positive beauty industry. What to expect & resources: how to foster inclusivity insights on the impact of language in marketing and client communication.strategies for developing strong relationships with clients.insights from working on the vendor side.balancing what clients want with professional advice.the importance of keeping products in stock. Educational Resources:Lift & Sculpt Facial Massage Self-Paced Course by Alex Pentecost: Visit hereRock Your Retail Self-Paced Course by Ageless Ashley: Visit herethe importance of positive energy flow between client and aesthetician.listening to your intuition during client sessions.advice against blindly following industry trends.tips for creating an appealing service menu.highlighting great brand partners exclusive to aestheticians, like DMK & Circadia.recommendations for a smaller, more discerning service menu.staying inspired through community involvement.moving away from the term "medical grade".Social MediaLydia Sarfati's Instagram: @Lydia.sarfatiDiscussion on skincare brands and their ethos.Mention of Ultraceuticals / peel, @thebeautydebut, pro-aging. Resources on Menopause from Claudia:Instagram: @Whatthemenopause, @MenopauseMattersBooks: "The Natural Menopause Method" by Karen Newby, "The Menopause Manifesto" by Dr. Jen Gunter, "The Menopause Guidebook" by The North American Menopause Society, "Breaking the Age Code" by Becca Levy.This episode offers a wealth of knowledge on maintaining professionalism and personal growth in the aesthetics field, focusing on client cGOLDEN EXPERIENCE GUIDE Superpower Your Solo Practice 2024 MastermindCreate Your Signature Products Book Private 1:1 Virtual Mentorship with Ashley Get CryoPeptide & Glewy for Licensed ProfessionalsBook Private 1:1 Virtual Mentorship with Josh

Today's blockchain and cryptocurrency news Bitcoin is up .5% at $43,049 Eth is up .5% at $2,370 Binance Coin, is up slightly at $302 Glif raises $4.5M in seed MicroStrategy now hodls 190k BTC Whales make moves in LINK holdings Craig Wright trial continues. Learn more about your ad choices. Visit megaphone.fm/adchoices

A woman recently asked me: 'Judy, how was YOUR first year as a coach? Did you do well? Did you hit 6 figures?' She was a bit taken aback when I told her that I made over $190K in that year 1 of coaching. (And I realized I had never spoken about that before....duhhhh, how did I miss THAT?!??) In this episode I share the details on HOW I had a multi 6-figure year my very FIRST year coaching. PLUS I talk specifically about how I signed 10 clients within weeks of launching my very first business back in 2003 (as an interior decorator with ZERO formal training...just a love for design and a passion to serve) I pray that this real 'stream of consciousness' recitation of the early years in business inspires you.   And serves as further confirmation that your success IS inevitable, in Christ! Lead with your heart. Keep your eyes ever-focused on Christ. Embrace your identity in Him. If you're serious about making 2024 YOUR best year in business, schedule a complimentary Breakthrough Strategy Session with Judy.... >> not yet at $100K? https://www.judyweber.co/apply  >> already at 6/multi 6 figures ready to scale? https://www.judyweber.co/getstarted  ______________________________________ Committed to Making Your 1st $100K? Join the Joyful 6 Figures Accelerator: https://www.judyweber.co/accelerator Ready to Scale from 6 to 7 Figures? Join the Joyful Scaling Mastermind Wait List: https://www.judyweber.co/mastermind

This week, we are talking about storytelling in film. Our guest today is Kent Lamm, an independent filmmaker, producer, writer, and director at Standard Story Company. Kent's YouTube channel, Standard Story Company, has 190K subscribers and provides tips on writing, directing, shooting, editing, freelancing, and more. His work has screened at 7 Academy award qualifying film festivals and won awards at the New York Television Festival. He also created a course that teaches aspiring filmmakers how to write and shoot a short film in a month. Learn more about the Online Optimism podcast at https://www.onlineoptimism.com/podcast/

In this episode, I talk to Michael Girdley, an incredibly successful entrepreneur, content creator and investor. His holding company is worth over $100M in revenue, including companies that span different industries like fireworks, software, school, real estate, staffing, and more.Michael's built his X account to over 190K followers and his newsletter to over 20K readers. Most impressively, perhaps, he's enabled the creation of over 1,000 new tech jobs in the San Antonio area through his entrepreneurial and leadership ventures.Today, we talk about how to build a brand with a mediocre skillset, the growth curve of a content creator, and why you should be charging higher prices for your products.TIMESTAMPS --0:00 Intro0:57 Mac vs PC Debate2:38 College vs. Self-Education7:38 The Value of Self-Reliance in Success10:30 Building Brand With Mediocre Skills16:04 The Evolution of Twitter19:57 Networking and Building Relationships Online22:25 Audio as a Medium25:27 Charging Higher Prices28:40 Learning and Growth through Content Creation31:49 Choosing The Right Ideas To Work On34:09 Sleep & Time Management37:07 Michael's Final ThoughtsConnect w/ Michael ⇩

James and Steve (Mac84) discuss eBay finds: 1982 Macintosh publications binder, Mac SE balloon, and Microsoft Office 98 advertising cube. Steve talks about his trip to the System Source computer museum/swap meet, and he has an update on Before Macintosh: The Apple Lisa. News includes the $190K sale of a sealed original iPhone, and an auction for Apple branded sneakers. Join our Facebook page, follow us on Twitter, watch us on YouTube, and visit us at RetroMacCast.

Welcome back to your one-stop shop for all things tech! Brace yourselves for a rollercoaster ride through the ever-evolving landscape of digital innovation. First up, we'll marvel at the astounding price tag fetched by a first-generation iPhone! Unearthed from the depths of tech history, this gem of a device has hit a jaw-dropping benchmark and reaffirmed the awe-inspiring power of nostalgia. Is this the dawn of a new era for collectors' items? Let's dive in! Next, we'll delve into Apple's latest artificial intelligence venture as they gear up to launch their own version of ChatGPT. How will this reshape the world of AI and machine learning? And how does it stack up against its competitors? We'll break it down. Hold onto your seats as we touch upon Netflix's controversial decision to axe their cheapest subscription tier. What does this mean for the average consumer, and how will it impact the streaming giant's loyal customer base? The answers might surprise you. We're then on to unmask the future of smartphone photography with the iPhone 16 Pro's innovative periscope lenses. Will this change the game for mobile photography? Get the scoop on this ground-breaking feature right here. And finally, we'll journey to the heart of Apple's development labs, where testing has begun on the groundbreaking M3 Chips. What could this mean for the next generation of Macs and other Apple devices? Join us as we speculate on the possibilities. So sit back, grab a snack, and let's get started on this mind-bending journey through the latest and greatest in tech news! Don't forget to hit that subscribe button and ring the bell for more updates on all things tech. We can't wait to share this adventure with you.

Stupid News Extra 7-19-2023 …Someone spent $190K for that?

► Big thanks to Jawa for sponsoring today's video! Go to https://bit.ly/UFDJuly23 to make your upcoming GPU upgrade cheaper by selling your old one directly to Jawa! ► Check out today's hottest tech deals here: https://www.ufd.deals/ https://howl.me/ckbhNrQFFat https://geni.us/8AMGFy https://howl.me/ckbhRyolV7q 0:00 - Intro 00:23 - Corsair Buys Drop: https://bit.ly/474pG5s 01:29 - Sponsor 02:01 - Replaceable Handheld Batteries: https://bit.ly/46QnluF 02:54 - Overclocked Super Game Boy: https://bit.ly/43CHDVS 03:57 - UFD Deals: https://www.ufd.deals/ https://howl.me/ckbhNrQFFat https://geni.us/8AMGFy https://howl.me/ckbhRyolV7q 04:55 - 4GB iPhone for $190K: https://bit.ly/46PjgH3 06:50 - Fastest Carrier in the US: https://bit.ly/3XX4l9F 08:13 - When Is Apple Dropping Intel Macs: https://bit.ly/3rx1U1E 09:28 - Amazon Driver Videos Leaking Online: https://bit.ly/46SVAS3 11:32 - Baldur's Gate PC Specs: https://bit.ly/3PWR3s1 12:44 - RX 7800 Benchmarks: https://bit.ly/44KWhLx https://bit.ly/3rvApWj ► Follow me on Twitch - http://www.twitch.tv/ufdisciple ► Join Our Discord: https://discord.gg/GduJmEM ► Support Us on Floatplane: https://www.floatplane.com/channel/ufdtech ► Support Us on Patreon: https://www.patreon.com/UFDTech ► Twitter - http://www.twitter.com/ufdisciple ► Facebook - http://www.facebook.com/ufdtech ► Instagram - http://www.instagram.com/ufd_tech ► Reddit - https://www.reddit.com/r/UFDTech/ Presenter: Brett Sticklemonster Videographer: Brett Sticklemonster Editor: Catlin Stevenson Thumbnail Designer: Reece Hill

HEY AMERICA TIME TO GET UP YOUR COUCH AND MAKE SOME NOISE! MAKE SOME FREE PHONE CALLS CALL DOJ 202-514-2000 TELL THEM DO YOUR F JOB! TO PROTECT US YOU TOOK AN OATH! READ THE CONSTITUTION! 14TH AMENDMENT CLEARLY SAYS NO INSURRECTIONISTS LIKE #TRAITORTRUMP MAY HOLD OFFICE!!!! SO REMOVE HIM NOW AND DISQUALIFY HIM NOW!!!! The Mara lardo docs case is no different than that of #texeira the young military guy who shared national defence secrets with his gamer buddies just to impress them!! Traitor Trump ACTED NO DIFFERENTLY; & treated our entire defence secrets as his own personal LIBRARY!! With zero security anybody on the premises could have helped themselves!! and he was showing these documents with strangers as they came in the door

Support the show! http://patreon.com/magicmics  Visit our sponsor: http://www.coolstuffinc.com/  Check out the twitch channel: http://twitch.tv/magicmics  Visit our subreddit: http://www.reddit.com/r/magicmics  Follow us on Twitter: http://twitter.com/magicmicscast  Like us on Facebook: http://facebook.com/magicmics    Co-Sponsors:  http://www.cardhoarder.com/  http://www.alteredsleeves.com/ (use code MAGICMICS )  http://www.cubeks.com/ https://www.manatraders.com/ (use code MAGICMICS )   AirDate - 6/7/23 First Pick   Bounties for the One of One Ring: Cassius Marsh's $150K: https://twitter.com/KingCash_7191/status/1664034883470258177 MysteryMTG's $190K: https://www.reddit.com/r/mtgfinance/comments/13xmmpq/190000_for_the_one_ring/ Cassius Marsh Ups to $500K: https://twitter.com/KingCash_7191/status/1665798441438523393 Dave & Adam's $1M: https://twitter.com/dacardworld/status/1666467986541015047?s=20   2FA MTGO: https://twitter.com/MagicOnline/status/1663572326623920134 https://www.mtgo.com/news/mtgo-2fa-53023   Twitch's New Branded Content Guidelines: https://twitter.com/zachbussey/status/1666111039736258561 https://twitter.com/Twitch/status/1666183149343354881 https://twitter.com/Twitch/status/1666559226184093696 Martin Jůza Asks About cEDH PT: https://twitter.com/MartinJuza/status/1666085509301669892   Splash Damage GIVEAWAY & THANKS https://streamlabs.com/dashboard#/subscribers

In this podcast episode, we delve into the story behind Clash of the Craniums, an anatomy trivia revolution that has taken the PT student community by storm. Our guest, Matt Condo, associate professor at Western Kentucky University, and podcast host Jimmy McKay, share their journey of merging ideas to create an engaging and fun way for students to study for the National Physical Therapy Exam (NPTE).Episode TakeawaysWhere did Clash of the Craniums come from?With over 190K downloads, illustrates the impact of engaging and interactive learning toolsAccess to FREE learning The process of publishing researchThe future of NPTE preparation Parting Shot“Research is not as hard as everyone thinks it is. You can do research.” - Matt CondoArticle: “Podcasting as an Innovative Tool for the National Physical Therapy Exam Preparation” through the Medical Science EducatorCheck out Clash of the Craniums on our Youtube Channel Connect with Matt!TwitterPT Pintcast is brewed by:ATI Physical TherapyGood PTs know that it's important to stay up to date on what's happening in the physical therapy profession. With Best Practices developed from over 2.5 million care episodes, the team at ATI Physical Therapy is doing their part to make sure their clinicians are practicing at the top of their game. Paired with their continuing education, professional development opportunities and vibrant clinic culture, ATI is working hard to ensure all clinicians are not only driving the PT industry forward but also going home happier. Check out www.ATIPT.com for more information. Jackson TherapyProviding awesome adventures in patient care for physical therapists who care about where they're going! Look no further than JacksonTherapy.comMW TherapyAn EMR is to a Physical Therapist as a Hammer is to a Carpenter. You deserve to LOVE USING IT!It's time for something better. It's time for something customizable. That's where MWTherapy comes in, take a demo of their amazing EMR now at MWTherapy.com where switching your EMR is easy!PhysiotecImprove patient outcomes. Improve clinic revenue. Get started with Remote Therapeutic Monitoring with Physiotec.ca. Brooks Rehabilitation Institute of Higher Learning The Brooks Institute of Higher Learning is a world class organization on the cutting edge of evidence-informed practice and professional development for rehabilitation professionals. Learn more at BrooksIHL.org. FIRST ROUND Owens Recovery ScienceYour single course for clinicians who want certification in Personalized Blood Flow Restriction Rehabilitation Training and the equipment YOU Need to apply it properly In your clinical practice. Find out where you can get certified NEXT at www.owensrecoveryscience.com. PARTING SHOTThe Academy of Orthopaedic Physical TherapyThe leaders in orthopedic PT are the academy OF orthopedic PT, orthoPT.org now with Current concepts of Orthopedic PT 5th edition.

Here's what is happening in the markets today, Friday, June 2 Debt ceiling bill passes Senate, eliminating default risk  Lululemon (LULU) and MongoDB (MDB) surge on strong results and forecast respectively  Today's Jobs Report: Economists predict 190K jobs added in May vs. 253K in April  Nasdaq & S&P 500 poised to finish with gains,  6th winning week for Nasdaq   Dow lower for week  PLUS: How we trade these markets and our current positions This wraps up today's stock market news. If you enjoyed the "Stock Market Today" episode, make sure to subscribe to this podcast.  And for more stock market news,  visit our YouTube Channel: https://youtube.com/rockwelltrading2008 #todaysstockmarket #stockmarkettoday #stockmarket

Kathleen opens the show drinking a Destin Ale from Destin Brewery. She reviews her weekend on the Florida Panhandle, doing a sold-out show in Niceville and meeting her new possum friend “Roman” backstage. She had shrimp and fresh fish at LuLu's in Destin and took a beach walk before a massive storm rolled in. QUEEN NEWS: Kathleen officially introduces new queens Taylor Swift, whom she inducts for “the Children” Termites and because of her amazing philanthropic work, as well as “pocket” Anita Baker (because she's simply AWESOME) to the Court. She reports that Tanya Tucker and Stevie Nicks are still supporting their respective summer tours, and Cher has broken up with her boyfriend. “GOOD BAD FOOD”: In her quest for delicious not-so-nutritious food, Kathleen samples French's Potato Sticks, Heath Riles Garlic Jalapeno Rub, and Original Small Batch Hot Sauce from the Sealey Sauce Company in Mobile AL. UPDATES: Kathleen gives updates on Coachella, Ralphie the Demon Dog is excelling with his new owner, and the “Cocaine Cat” is recovering at the Cincinnati Zoo. “HOLY SHIT THEY FOUND IT”: Kathleen is amazed to read about the discovery of the largest Viking treasure hoard in Denmark in 50 years, and archaeologists uncover the first known sculptures of human figures linked to the myth of Atlantis. FRONT PAGE PUB NEWS: Kathleen shares articles on how to apply for compensation in the Facebook privacy settlement, theories that the Titanic may have been cursed before it set sail, an extinct lion has been spotted in a National Park in Chad, climate change protesters smear paint on a sculpture at the National Gallery, a Scottish island is offered for $190K, $15M in gold is stolen in a Toronto Airport heist, and we learn everything about opossums. NONE OF YOUR BUSINESS: In business news, Kathleen reports that Target is rolling out a new perk for loyal shoppers, and Big Lots and The Container Store are taking Bed Bath & Beyond coupons. WHAT TO WATCH THIS WEEK: Kathleen recommends watching “Vikings Valhalla” on Netflix, and her new stand-up Special “Hunting Bigfoot” on Prime Video.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In Part 1 of my interview with Joel Lalgee, he breaks down how he has grown his LinkedIn following to over 190K followers in just a few years. Not only has he built a huge following on LinkedIn, but he's done the same on TikTok and Twitter. Now he gets paid to produce content. If that's something you aspire to, you're gonna want to give this a listen.Follow Winding Road Careers: Website: https://www.windingroadcareers.com/ Instagram: https://www.instagram.com/windingroadcareers/ Linkedin: https://www.linkedin.com/company/winding-road-careers/ Twitter: https://twitter.com/thewindingrd Facebook: https://www.facebook.com/windingroadcareers

Get Debt Free: https://bit.ly/3w4Rx4n Subscribe: https://www.youtube.com/channel/UCxQT5W5soXUo1kkDWH1R_zg?sub_confirmation=1 http://4dmbox.com #news #money #personalfinance --- Send in a voice message: https://podcasters.spotify.com/pod/show/4dmboxcom/message Support this podcast: https://podcasters.spotify.com/pod/show/4dmboxcom/support

US equities ended down in Thursday trading, reversing off the morning's strength. There's still a lot of moving pieces around some of the big themes, including whether the positioning tailwind that has been a key driver of early 2023 strength may be running out of momentum. Initial jobless claims rose to 196K for the most recent week, off the prior 183K and ahead of the 190K consensus.

Last night, we came BACK onto Twitter Spaces to chat what's current with our community. LG, TheReelPhilD, Quad, Dumbo, Christian from Evaluate, and Jack Wyldes from Shot Talkin' talk the issues of the day such as the Giannis sale on Sorare, the current leadership on FLOW, the launch of Doodles, and a changing of the guard on UFC Strike.

Last Week: · NFP 517K vs 190K forecast. · Unemployment 3.5%-->3.4% · Wage data came in as forecast at 0.3% m/m. · PMI non-manufacturing data is strongly back above 50. · Fed raises rated by 25bps on Wed. · Hawkish but more relaxed. · Powell talked about the disinflation process. · Did not validate December projections. · Offered little push back against the market. · Opened the door to potential pivot (in case of overshoot). · Following NFP, terminal rate is pushed back one month, and markets sees 5.25%. · Employment coming back into focus: will unemployment increase. · ECB: raised by 50bps and committed to another 50bps in March in statement. · Intentions are to hike passed March. · President Lagarde acknowledged more balanced risks to inflation outlook. · ECB likely more hawkish than Fed. · BoE: No surprises but unclear guidance. · Softened communication but didn't signal pause. · Comment – may be at the turning point but not necessarily done. This week: · Powell: moderated discussion Economic Club of Washington (Tuesday). · RBA cash rate: 25bps after recent inflation surprise? · Williams (NY Fed president) interview with Nick Timiraos on Wed. · UK GDP on Fri. · China/US relations are strained after US shoots down “spy” balloon. · Tech Earnings: BP, Disney. Last week Meta, Amazon, Alphabet, Apple.

Guest - Tom Amenta   Headline - Economy Expands in Q-4 2022   1) Gross Domestic Product expands by 2.9% in Q-4.  First time unemployment claims fall below 190K.   1A) For the full year 2022, growth was 2.1%   2) Democrats at he White House are mad at Chevron for distributing profits to shareholders with Dividends and stock buy backs   3) Russia fumes as the west sends tanks to Ukraine.  Russia fires missiles at civilian targets and kills 11   4) Representatives Schiff and Swalwell removed from Intelligence committee as McCarthy promised   4A) Schiff announces he is running for Senate in CA. Rep. Katie Porter previously announced.   5) In Memphis, the city is on edge as a release of the police video is pending.  A man was stopped for traffic violation, tried to evade police. Pursuit took place, suspect was taken to hospital and died 3 days later.  All parties involved are black - The victim, the 5 cops and the police chief. Police chief says excessive force used by cops. District Attorney charging all five with second degree murder and additional charges   6) Trump reinstated on Facebook and Instagram.  Does anyone care?

For this week's Lending Leaders, Jim Paolino talks with Jordan Nutter, a loan originator with NFM Lending and a TikTok influencer with over 190K followers. They talk all things TikTok and being a mortgage lender with a huge social media following.

THE Football YouTuber, presenter and pundit James Allcott, has a series all about "dream teams" in his 190K-subscriber strong YouTube channel. So we decided to draft him into the show to help us pick ours! In his Dream Teams series, he brings in guests who pick a team of players who aren't necessarily the best, but the ones that resonate with them or have inspired them, or created fond memories for them. With that in mind, in this episode, Fergal, George, Harry, and Ali picked their Dream XI, and Jim has the final say on who of them makes it to the Official, James Allcott Selected and Approved Dream XI. -- The James Lawrence Allcott YouTube Channel JAFP on Apple Podcasts

Parade of Techniques: 1. Whatever you do, make sure you have a living will! A Parade of Techniques from someone who was on his way to a hospital for a routine procedure had a heart attack, ended up having open-heart surgery, and was out of business for some time. 2. You told us that no one wants to listen to voicemails. So when I prospect, and someone does not answer, last week for the first time ever, instead of leaving a voicemail, I left a text. Here's what happened: a. My 18 conversations came a lot quicker b. I think they saw it and got my message versus leaving a voicemail Ask the Experts: 1. I have set my goal for the second half of this year and I went through all my numbers from the first half, and realized that 18 conversations not going to be enough. I need to 32 a week. So how do I do that? What do I have to do?  2. A student of Mary's had two properties listed at 200K. Both of them sold. The buyer proposed 190K. That's what they agreed to. Then there were inspections. Both properties had inspection problems… Both buyers came back after the inspection and said, “170K.” The first seller said, “I'll take 180K.” So 190K, 170K, settled on 180K. Everyone got it. So our realtor went to the second seller and said, “This just happened. The seller countered back at 180K. That's what I recommend we do.” But, it didn't work. Lost the buyer. So the house goes back on the market and there have only been 2 showings in 30 days at 190K. What do I do now? Join this mastermind of agents from all over the country. Teams are forming now for a new semester: floydwickman.com/r-squared-coaching

Joining Joseph Valente this week is Mr. Paul Selman, former owner of PRS Plumbing Solutions, which recently sold for a whopping 6 Figure sum.  Paul came to the Trade Mastermind 2 years ago with a respectable business turning over £190K per year. By the time of the sale, Paul's company had scaled massively, employing numerous staff and reaching a 7 Figure turnover of £1.2 million.  How did he do it?  This episode reveals how you can get off the tools and fast-track your way from Tradesperson to Businessperson.   Book a Strategy Call: https://go.oncehub.com/ttg-freestrategysession www.trademastermind.co.uk    Instagram - https://www.instagram.com/trademastermind TikTok - https://vm.tiktok.com/ZM8KLs5q4/ Facebook Community - https://www.facebook.com/groups/tradecoaching/  Twitter - https://twitter.com/TradeCoaching  LinkedIn - https://linkedin.com/trademastermind

If you want to turn your passion for music into something professional, Lauren's story is the perfect starting point. Lauren is a former scientist turned music school owner and online teacher. In this episode, she shares the secrets of her success, what makes her stand out, and what sets her apart. If you want to learn success principles for musicians and what it takes to grow your studio, this episode is a must-listen!   Lauren's transition from a scientist to a music school owner and online teacher. Things that Lauren did to achieve success despite the COVID pandemic. Actions that led to the massive growth of her brick & mortar music school. What made her stand out and blow up on YouTube. Lauren YouTube coaching for teachers who want to shift online. Advice for musicians around money. The intentions behind creating her free community. Lauren tells us more about her Beginner Guitar Course. The secrets behind her success in all the areas she dove into. The importance of having the right coaching and mentorship.   Guest Links Mentioned Lauren Bateman Guitar Website Lauren Bateman Instagram Full-Time Tubers Website   Resources Mentioned Free Guitar E-book Resources   Today's Guest As childhood cancer survivor, Lauren knows the importance of living in the moment. That's why she quit her cushy job as a cancer researcher to pursue a career in music. Since that pivotal moment in 2010, Lauren has opened multiple music schools in the Boston area as well as built a massive following online via her YouTube guitar lessons where she currently has over 190K subscribers. Lauren's teaching philosophy is to make sure that students always feel good about their decision to learn music. Now she is helping other teachers learn how to navigate YouTube and the online course market.   Click here to find out more about TopMusicGuitar Membership

In the latest PokerNews Podcast, Sarah Herring, Chad Holloway, and Jesse Fullen talk about cheating and murder in the poker world. Regarding the former, Alex Foxen shook the community by leveling cheating allegations against Ali Imsirovic, and for the latter, well a former poker pro is in hot water facing third-degree murder charges in Minnesota. They also talk about Phil Ivey and Jake Schindler victories at Super High Roller Bowl Europe, remember the Ante Up Poker Cast and All-American Dave, preview upcoming stops, and offer predictions for the $25K PokerGO Tour Heads-Up Showdown. Finally, Chad talks with crypto enthusiast Wesley Flan, who took up poker just four months ago but is already making headlines on Hustler Casino Live, including one session where he spun up his $10,000 starting stack up to $190,000 thanks in no small part to a set-over-set hand against Garrett Adelstein. Time Stamps *Time|Topic* 00:24 | Welcome to the show 00:45 | Teasing guest Wesley Flan from Hustler Casino Live  02:00 | Sponsor: Unibet 03:15 | Alex Foxen calls out Ali Imsirovic; alleges cheating 10:00 | Jesse's first bad movie analogy 13:40 | Jesse's second bad movie analogy 14:27 | Wade Woelfel charged w/ 3rd Degree Murder 21:40 | Wesley Flan fireworks on Hustler Casino Live 24:16 | Guest Wesley Flan joins the show 25:15 | Discovering poker 4 months ago at Oaks Poker Room 27:20 | Getting a chance to play on Hustler Casino Live 29:40 | Buying in for $10K and cashing out for $190K 30:30 | Flopping set-over-set against Garrett Adelstein 31:08 | Is High Stakes Poker on PokerGO next? 34:50 | Follow Wesley Flan at @CryptoApprenti1 37:42 | Jake Schindler wins Super High Roller Bowl Europe Main Event 38:33 | Phil Ivey tops points leaderboard for $25,000 prize 40:00 | All-American Dave closes food truck; won't be at 2022 WSOP 50:20 | Long-running Ante Up Poker Cast comes to an end 55:03 | WPT Global launches online operations 56:00 | The Lodge Championship Series coming up 57:33 | bestbet Jacksonville Spring Series running April 21-May 1 57:58 | MSPT Showdown Series upcoming at San Diego's Sycuan Casino 1:00:00 | $25K PokerGO Tour Heads-Up Showdown predictions

Insurance is the number one question we get when we tell people we are retiring.  Also, everything we're sharing on insurance is specifically relevant to those living in the United States.  Key considerations and thoughts on insurance during early retirement:Insurance is just a product you buy. It's not some special club only for people who work for established businesses. You put in more than you get out on average, which is how insurance companies make money.It's going to be more expensive than what you currently pay as part of a W2 job.  We now appreciate how much our employer has been paying all these years!  Either you're paying the expense, or your employer is.  Think of it as the cost of your freedom.  You can get frustrated and feel trapped because of it, or you can do your research, plan, and budget for it, choose the best options, and move on with your plans and dreams.  Just accept it.  You should budget for this and include it in your annual cost of living estimates in retirement.  You also need to budget for medical expenses in addition to the cost of insurance.Do your research and ask a lot of questions. Healthcare.gov outlines several roles that can help you; they have navigators, certified application counselors, and agents/brokers that can help you.  Remember, once you get insurance, there are many other ways to save on medical expenses.  We did a previous episode on creative ways to save on medical expenses.  There are several paths you can go for insurance:Cobra for up to 18 months.  Warning, it's expensive.  Your company HR person can share the rates with you for your company.  You're paying your portion of the cost and then also what your company has been subsiding for you all these years. Healthcare.gov / ACA plans.  This is what Maggie plans to use, so we'll share more on this later.  Private health insurance.  Yes, you can go directly to private insurance companies to buy insurance.  The big downside here is these don't allow you to qualify for marketplace subsidies.  Healthcare sharing ministries such as medi-share.  We're not experts on these, and we're not going down this path as we don't ideologically qualify.  Newer models like sidecar health.  The biggest negative is there is a max of what they cover for specific types of care, which they call a benefit amount (e.g., average joint replace the should cost this much, so that's the most we'll cover).  They cover you up to a certain amount, but you could be in trouble if you have something really expensive.  We feel comfortable covering the small stuff, but we want insurance for the big crazy stuff, and that's where SideCar health lacks, in our opinion, so it's not for us right now.  And it's new and doesn't have enough history for me to feel comfortable relying on it.  You could enter into some sort of part-time employment arrangement to get insurance.You could technically go without insurance.  It's no longer a legal requirement in the US.  We would never recommend this. If you're traveling full-time, other types of insurance like travel insurance medical coverage.  Some of these only work if you also have a traditional plan for it to sit on top of, so do your research and read the fine print!Move to another country and get resident status or qualify for medical coverage there.  We're not experts on this, but it's possible, though not easy, and there is a lot of content out there if you're curious about this path. What is Maggie's plan? We're putting our kids on our ex-spouse's plans.  That's a nice benefit we each have that will make the cost significantly lower.  We're NOT doing cobra.  It's too expensive and not worth the incremental cost to us.We're going to do a plan through healthcare.gov.  We'll do a high-deductible plan so we can participate in HSAs because HSAs are awesome!  There are many plan options on the healthcare.gov marketplace, so you'll want to spend some time comparing the different plans.  The site is straightforward to use, and you can put in your doctors and medicines and see which plans cover which things.  We will have to switch some doctors, but it's a tradeoff we're willing to make.  We'll augment it with travel insurance when traveling in the US or abroad.Specific offices and practices have plans for dental and visual, or you can just go without and pay cash as you need services.  We plan to sign-up for the dental plan at our existing dentist's office, and we'll pay cash for vision needs as we have them.   What is medical insurance going to cost us in early retirement?  All of these numbers are for two adults.  Current premiums through our employers: $201 a month, $2416 a year. Cobra would cost us: $1,251 per month; $15,018 per yearWithout subsidy healthcare.gov plans:  Range of options from $1,032 per month; $12,384 per year TO $1,993 per month; $23,916 per year.  That's a big range, $6K a year per person to $12K a year per person, but it shows you the range of options available.  We're not yet in our 60-day window, but we're likely going to land closer to the bottom end due to going with a high-deductible plan so we can do an HSA:  $1252 per month; $15,018 per year (Aetna CVS Bronze)With Subsidy, healthcare.gov plans: The $15K a year option noted above will cost us full-price if our annual salary is $190K or higher.  If our salary gets below $80K, we will be eligible for a subsidy of $11K+ a year, and our annual insurance cost will come down to $3,750 per year.  Top 3 takeaways:You need medical insurance, but there are various options and tradeoffs to consider.Budget for it and do your research in advance.Explore the subsidies as it makes the cost of insurance significantly more affordable for the average family or person. Then, plan strategically to leverage them.  Show References:friends on FIRE episode #128 | Creative ways to save on medical expensesfriends on FIRE episode #059 | The amazing tax benefits of FSAs, HSAs, and DCAsfriends on FIRE episode #062 | How to choose the right medical insurance at workLearn more about healthcare.govs plan categoriesShop Healthcare.gov plans + pricesArticle comparing private insurance vs. marketplace plansA Purple Life post - My medical insurance planWorld Nomads Travel InsuranceHealthcare sharing ministries John Oliver segment---Follow friends on FIRETwitterInstagramFacebookLinkedInLeave us a voicemail or text us: 404-981-3370eMail us at:  friendsonfiremm@gmail.comVisit our website: www.friendsonfire.org---Other LinksMaggie's Blog: Mostly Minimal LifeMike's Book: Your New Relationship with Money

Cité Radieuse change, évolue ! 60 épisodes sont déjà disponibles sur vos apps de podcast préférées, de quoi découvrir Marseille via le prisme de personnalités venant de tous horizons et me donner envie de continuer à tendre mon micro à ces ambassadrices et ambassadeurs de choc ! L'intro se réinvente donc vous ne retrouverez dans l'épisode du jour que quelques notes familières pour les plus fidèles ;) Aujourd'hui c'est la créatrice de contenu Doris Blanc Pin qui nous parle de son Marseille, de cette ville qu'elle incarne, qu'elle défend et sur laquelle elle pose un regard bienveillant. Les coulisses de son métier si particulier, la façon dont elle le voit évoluer dans les années à venir, ses projets à Ibiza, .. Doris s'est confiée avec la générosité et l'authenticité qui la caractérisent. Cet épisode est désormais le votre. Bonne écoute ! 

On today's episode, we hear from Yeve Sibanda - a Zimbabwean Black woman immigrant who worked in "Big Law" for many years. "Big Law" refers to firms on the AmLaw 200 List, and they tend to employ thousands of lawyers worldwide. One of the reasons law grads covet working at a Big Law firm is that the compensation packages are huge (the average starting salary is around 190K base for fresh law school graduates).  Yeve tells us how she broke into a Big Law firm a few years after graduating from American University with her J.D. and how she held onto her Big Law job for over 6 years - as a Black woman, immigrant, and mom. If you've ever been the "only person who looks like you" in a corporate space, this episode will surely resonate with you. ---- Want more of this podcast? Make sure to hit follow and tune in for new episode drops on Fridays! Ready to switch jobs? Check out my FREE 20-page guide to help get started on your career transition journey and I spill all of my ex-recruiter secrets.  Ready to get 1-1 career coaching? Sign up for a FREE chat with me to find out if coaching is for you!

Sean Dunn reveals how Groundwire is bringing 100K+ young people to Christ each year. And, in 2021, that number neared almost 200K. Here's the powerful way he is using social media to reach young people who are unchurched.

Keith Idec is a senior boxing writer/columnist for CBS' BoxingScene.com, & one of the current vice presidents for the Boxing Writers Association of America (BWAA). You can follow him on Twitter @IdecBoxing. Keep up with the show: Linktr.ee/TheLastRound 

“I'm going to be getting back in the ring shortly,” Thurman told The Athletic. “I'd be more than happy, more than willing, to step in the ring with Bud Crawford next summer. I'm willing to fight Crawford eight months from now, approximately. I would love to fight.”Thurman is coming off a loss of his WBA welterweight belt to Manny Pacquiao in 2019 but plans to return in January. If he is victorious, he could be an appealing option for Crawford next.Join this channel to get access to perks:https://www.youtube.com/channel/UCcKT39KR_e3ZliHe4cyC06A/joinOne Free Month of Dazn On TBV http://bit.ly/ThaBoxingVoicexDAZNhttps://www.patreon.com/ThaboxingvoiceBUY THA BOXING VOICE T-SHIRT HERE http://thaboxingvoice.com/storePLEASE SUPPORT!!! SUBSCRIBE, SHARE & LIKEPlease check out our Facebook page and hit the like button. https://www.facebook.com/Thaboxingvoiceradio GOOGLE PLUS https://plus.google.com/107960664507143008932/posts?tab=XXiWeb Sitehttp://thaboxingvoice.com/Radio show: http://www.blogtalkradio.com/thaboxingvoiceradioTwitter: @Thaboxingvoicehttps://twitter.com/thaboxingvoiceAudio only Podcast subscribe herehttps://itun.es/us/oY7JJ.cMUSIC CREDITCASH APP $Dolla Dibiase https://www.instagram.com/dolla_dibiase/?hl=en#TerenceCrawford #KeithThurman #CrawfordThurman

Brad Finn was raised with a strong work ethic that follows him to this day. He always knew he should be working hard, and that's exactly what he did. Brad worked throughout high school, college, and started multiple businesses in adulthood. While his work ethic was strong, his financial skills were lacking. When Brad went to college, he remembers using almost a third of his student loans on partying alone.Fast forward to his mid-thirties, Brad is waking up in a beautiful house, with two nice cars in the driveway, a great income, a new business, and a negative net worth. It wasn't until Brad allowed himself to look at the true number behind his net worth that he realized something needed to change. Fortunately, his wife had been slowly, but surely, trying to tell Brad that they had to make that change.The day Brad's first child was born, he and his wife were debt-free. This didn't come easy, especially since they were facing close to $190,000 in debt. They tracked their spending and realized they spent close to $20,000 in two months, solely on eating out. They dialed it in, worked side jobs to boost their savings rates, and rewarded themselves when they hit milestones. Now their net worth is growing fast, and they're locked in on investing.In This Episode We CoverCalculating how much you need in student loans and taking out that exact amountHow to continue your debt payoff journey without getting discouragedRewarding yourself for big milestones, even if it will set you back a small amountTalking to your partner about money and asking their opinion on strategies Raising your budget on things that matter while lowering it on things that don'tRetirement plans for government workers, like 403b and 457 plans Understanding that the long journey to financial freedom is worth itAnd So Much More!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Overtime Pay For Up To 190K Salary Earners Died In PA. Why Aren't More Workers Upset? by WSKG News

Jordan Harris is a Car YouTuber/TikToker, Fish Tank Enthusiast, and current college student. He has grown a mass following of 190K followers on TikTok as well as 24K followers on Youtube with the goal of providing entertaining and educational content in regards to automobiles. Contact: IG: @jordanandharris, TikTok: @jordanandharrisFollow us on IG: https://www.instagram.com/thesocialeague/ Follow us on TikTok: https://www.tiktok.com/@thesocialeague?lang=enFollow us on LinkedIn: https://www.linkedin.com/in/alessandro-allaman-3378b8197/Subscribe on YouTube: https://youtube.com/playlist?list=PLE0cI_tdTbpi2B8Eeb5u1iVdCqK4ZydHoPODCAST INFO:Podcast website:https://thesocialeague.org/Apple Podcasts:https://podcasts.apple.com/us/podcast/the-social-league/id1539221823Spotify:https://open.spotify.com/episode/7qGUrPKaj0aT2KA4eV3iiK?si=0iVxMDU6T9658S2Qsx9W7QFull episodes playlist:https://youtube.com/playlist?list=PLE0cI_tdTbpi2B8Eeb5u1iVdCqK4ZydHoClips playlist:https://youtube.com/playlist?list=PLE0cI_tdTbphIK-5rfkwmholkUYPuoz8N

Dr. Ranjith Mahen is a health educator, chiropractor, and weight loss and clinic coach. He joins Ara to discuss being $190,000 in debt, opening his first practice with $10,000, the importance of mastering your energy, and overcoming self-doubt to pursue what you want.***To support the work we do to tell creator stories around the world, become a VIP fan - CLICK HERE!***Ep8 Timestamps00:15 - Introducing Dr. Ranjith Mahen01:36 - Ranjith recalls how he met Ara, contemplating dropping out of school after his mother's sudden passing04:13 - What does a chiropractor do and why should someone go to a chiropractor11:39 - Being $190,000 in debt with student loans13:13 - Ranjith speaks on how Ara's dad was a mentor to him and how a solid network helped him start his first practice with $10,00017:48 - Struggling with self-doubt and overcoming it19:26 - How to find a balance between work and life, and the importance of getting your energy right21:30 - Ranjith speaks on the health transformation he underwent during COVID, and how this is the first generation of children who won't outlive their parents25:44 - Purchasing his first commercial real estate property for the business, where Ranjith sees himself in the next 3-5 years28:32 - Books and stories that inspire Ranjith30:57 - His mom's passing has inspired him to help others, and recapping an example of how when you give more is given to you32:54 - Being Tamil a major part of Ranjith's identity34:29 - Being inspired by Tony Robbins and A. R. Rahman36:25 - Putting aside fear to build certainty38:26 - What Would You Choose42:35 - The Wrap UpConnect with Dr. Ranjith via Instagram - https://www.instagram.com/doctormahen/

Did you know that you can take $10K and turn it into $200K on a single real estate deal? This means that completing just one good deal could financially change your life forever. Kris Krohn is joined by his CEO Carson, who shares his emotional story regarding how his family made $190K on just one deal under Kris' guidance, and how he plans to do it over and over again.

Brooklyn Man Arrested In Connection With $190K Chanel Raid After Bragging On Social Media Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

François Majean (@Franmjn) & Jeddi Mees (@antinertia) présentent le 5ième épisode The Farmspot Podcast dans lequel ils discutent des business intéressants qu'ils découvrent. Dans cet épisode, on parle : 1. De l'histoire fabuleuse de Nicolas Green Outdoor 2. Du groupe Panini et de son évolution dans le futur 3. De Podia la plateforme qui permet de créer des cours de A à Z et du futur des "cohorts-based courses" 4. De Justin Jackson, le maker qui a créé un cours qui fait $190k/an 5. Des pour des et des contres d'acheter un SaaS en white-labelling et de ne s'occuper que de la distribution 6. De comment François a créé un DTC dans la food et est passé de 0 à 3,5k€ en 35 jours 7. Être explorateur pour Natgeo puis lancer son e-commerce de carte muir-way.com Si toi aussi tu cherches les meilleurs spot de farm sur internet, abonne-toi à notre newsletter sur www.farmspot.co et rejoins la communauté : https://team826127.typeform.com/to/wHJ8nbmF La discussion continue sur twitter Jeddi Mees (@antinertia) : https://twitter.com/antinertia François Majean (@Franmjn) : https://twitter.com/Franmjn Timestamps : 0:00 - Intro & Nicolas Green Outdoor 8:56 - L'empire Panini 21:11 - Podia, la plateforme pour faire son cours, & Justin Jackson, le créateur du cours "Marketing for developers" qui fait $190k/an 35:00 - Les SaaS en Whitelabelling 46:33 - Comment François a lancé un e-com DTC dans la food en 35 jours 56:05 - Être explorateur pour Natgeo puis lancer son e-commerce de carte muir-way.com

Once again, it's back to the basics with deal structuring 101. On this series we come up with 3 different offers for a condo. Jeff wanted to use this example because people always ask if you can use creative financing on condos and the answer of course is YES! Here are the details and the offers we came up with.... Condo 2bed 1.5 bath. 1000 sqft. Seller owes 30K and is asking 170K. Monthly payment is $410 with $140 HOA. This could rent for $1150/month and ARV is 190K. Option 1 7K down 170K PP. 163K financed at 2.5% simple interest for 4 years. Exit: Sell to an owner occupant for 200K at 5.5% interest with 20K down for 3 years. Option 2 10K down 180K Mirror Trust deed and note 410/m Piti. 7rs Plus 400 principle only. Sell 200K 20K down at 5.5% over 6yrs    Option 3 Subordinate 35K down 175K pp 140K trust deed second 525 pmt for 5yrs Sell for 200K 5.5% on seller finance 20K down.

Once again, it's back to the basics with deal structuring 101. On this series we come up with 3 different offers for a condo. Jeff wanted to use this example because people always ask if you can use creative financing on condos and the answer of course is YES! Here are the details and the offers we came up with.... Condo 2bed 1.5 bath. 1000 sqft. Seller owes 30K and is asking 170K. Monthly payment is $410 with $140 HOA. This could rent for $1150/month and ARV is 190K. Option 1 7K down 170K PP. 163K financed at 2.5% simple interest for 4 years. Exit: Sell to an owner occupant for 200K at 5.5% interest with 20K down for 3 years. Option 2 10K down 180K Mirror Trust deed and note 410/m Piti. 7rs Plus 400 principle only. Sell 200K 20K down at 5.5% over 6yrs

BBP 190: My $190,000 Launch and What I Learned YES babe, I'm spilling the tea on how we just had a $190K launch. During our recent Coaching Mentorship launch I really focused on how many students I want to receive in my program knowing that I can achieve it. Then, I sink into the vision of this program. So I came up with these 9 things that allow me to really sink into the vision of what I'm creating. Here they are: I planned ahead I served endlessly Be in the moment of the process Celebrate, CELEBRATE, CELEBRATE Be really intentional about coming into the launch process Don’t obsess over numbers Anchor into my beliefs Rely on your team Invest as if my launch is already successful before it even happens If this resonates with you be sure to tag me on Instagram @iambusinessbabe BUSINESS BABE PARTY SIGNUP: https:/www.businessbabe.com/party Is your energy, alignment and emotional state a priority for you in your business? Do you find yourself feeling burnt out, exhausted, overwhelmed or feeling pressure to show up in a certain way in your business? Maybe you’re getting burnt out by trying to do all the things.. OR feeling like you are in analysis paralysis in your business over consuming tons of content on strategy and marketing tactics. If you’re feeling any type of disconnection in your business, whether that be frustration or misalignment, I want to give you an incredible opportunity to shift your state, claim your excitement again and tap back into your power We are having a BUSINESS BABE PARTTY!! This is a free live coaching call to support you in your business where-ever you are right now babe. My goal and intention with the business babe party is to help you reclaim your power, your confidence and your clarity So that you can be do and have all the success of your dreams. We will also cover topics like Niche building, Audience growth strategies, And how to stand out in the online space! Because lets face it, it’s hard to feel like you’re talking to no one out there. The Business Babe Party is a live coaching call that takes place on August 26 at 7PM EST. You’ll get a recording link if you can’t make it live, and just by signing up you’ll get an invitation to enroll in some EPIC BONUSES for FREE! More details inside the party! This is a brand new celebration that only happens once a year so be sure to claim your spot! To sign up, come visit businessbabe.com/party

Once again, it's back to the basics with deal structuring 101. On this series we come up with 3 different offers for a condo. Jeff wanted to use this example because people always ask if you can use creative financing on condos and the answer of course is YES! Here is the details and the offers we came up with.... Condo 2bed 1.5 bath. 1000 sqft. Seller owes 30K and is asking 170K. Monthly payment is $410 with $140 HOA. This could rent for $1150/month and ARV is 190K. Option 1 7K down 170K PP. 163K financed at 2.5% simple interest for 4 years. Exit: Sell to an owner occupant for 200K at 5.5% interest with 20K down for 3 years.

$190K ………..That number means more than the 6 digits and the dollar sign at the beginning of it.That number represents POSSIBILITY.It represents DREAMS.It represents SOULFUL SUCCESS.And now, in July 2020, here I am. My business turned over $190K this financial year… my first financial year!That pipe dream I had? It's my reality and I want to share 11 of the most powerful lessons I learnt from the journey to this point.Let's connectIf you enjoy this episode and it inspired you in some way, I'd love to hear about it and know your biggest takeaway. Take a screenshot of you listening on your device, post it to your Instagram Stories and tag me @themanifestingmumsHaven't left a review yet? All you have to do is go to Apple Podcast and take 1 minute to leave an honest review and thanks for your support of this Podcast.Soulful Manifesting For Entrepreneurs Group (link: https://www.facebook.com/groups/307759333109895/)Instagram (link: https://www.instagram.com/themanifestingmums)See you again soon for for the next episodeGemmaxx

Pour ce nouvel épisode d'Agoyamam, j'ai eu le plaisir de recevoir une des figures les plus importantes de l'ASMR français : Roxane. Sa chaîne YouTube @RoxaneASMR compte aujourd'hui plus de 190K abonnés. A travers cet épisode, Roxane nous explique les origines, les bienfaits de cette méthode de relaxation, son travail en tant que productrice de contenu, et ses liens forts avec sa communauté.

The Genealogy Guys Learn site (https://genealogyguyslearn.com/) will be on sale for the entire month of April. Look for details and instructions on the Genealogy Guys Blog on March 30, and links to the blog will be placed on Facebook at The Genealogy Guys Podcast and The Genealogy Squad pages. This is your opportunity to get more written and video education at a bargain price, and new content is added every month. News You Can Use and Share MyHeritage introduced MyHeritage in ColorTM to colorize your black-and-white photos. MyHeritage has added 1.3 billion records of U.S. City Directories. MyHeritage has introduced fan charts as a way to display your family trees online. Geneanet, the leading genealogy website in Europe, has launched its DNA matching service. Ancestry announced the completion of a project to digitize and index 36 million of the U.S. WWII young men's draft cards. Ancestry has updated and improved its collection, New York, New York, Index to Birth Certificates, 1866-1909. Findmypast added 18 million new U.S. marriage records for Texas, 1937-2010. Findmypast added 36K new Wales Billion Graves records, Hampshire baptisms, marriages, and burials, and Surrey baptisms, marriages, and burials. Findmypast published more than 190K new records in partnership with the Galway County Council. They include Galway Poor Law Union Records, Galway county burials, and more records from the Waterford Poor Law Union Board of Guardians Minute Books. Church of England will begin a project, “Google Maps for Graves.” The Genealogy Squad Facebook group passed 30,000 members this week. Share the link with your friends so that they can join! FamilySearch has introduced the Explore Historical Images tool to search digital-image-only records. Drew recaps new record additions, updates, and indexes at FamilySearch. Use your library card to explore all the databases offered at their website. ProQuest has arranged for Ancestry Library Edition to be made available remotely from home. JSTOR is offering free registration. Be sure to use Google Books for public domain content. The Guys are featured in an article at Indie Podcast News at https://indiepodcastnews.com/2020/03/20/from-no-facebook-group-to-13000-plus/. Another article about The Guys will be published at the end of March in Podcast Magazine. DNA Segment with Blaine T. Bettinger Blaine and Drew discuss the use of DNA data for research at the 23andMe site. Cyndi Says Cyndi Ingle says that there is no such thing as a brick wall! She suggests: The brick wall is you - what you don't know, where you don't know to look, etc.  She encourages you to take advantage of: Genealogical education Read, read, read Books, magazines, guides, wikis Podcasts Webinars Seminars Conferences Institutes Our Listeners Talk to Us Tom wrote some time ago about the availability of facial recognition software for personal use. Rick Voight of Vivid-Pix tells us that this is a combination of Artificial Intelligence and Machine Learning. It's not available to individuals yet at any kind of reasonable price, but he believes “the ability and technology are on the horizon.”. Jenn wrote to ask how to research ancestors' patents. Mark wrote a follow-up to his sharing of the article about Mt. Vesuvius and survivors. Archaeologists in Italy are trying link remains they found in Pompeii in the 20th century to Pliny the Elder at https://www.haaretz.com/archaeology/.premium-remains-found-by-pompeii-really-are-pliny-the-elder-new-tests-indicate-1.8439072. Susan wrote a fascinating account about she discovered that she was donor-conceived. Marise is looking for information about marriage and naturalization records that were probably destroyed in the fire that was an aftermath of the 1906 San Francisco earthquake. Listeners, share whatever you can with us! Thank you to our Patreon supporters! You can also tell your friends or your society about our free podcasts, our blog, and Genealogy Guys Learn.

Guests today are Jeff Vik (Kimmer Transmission) & Al Oramas (Pro Auto)!Angel update, Chad has a 2005 Toyota and got a an oil change and was told he needed an engine mount and wants to make sure he is not getting scammed, Kevin has a diesel Silverado and gets a smell in the cab when it goes into "re-gen" mode, Eric is shopping for AirStream and is asking for suggestions for other motor homes, Frank is asking where to get a prebuy inspection for a tractor, Tom's daughter is married to an alcoholic and needs to get out of her marriage, Chris is asking if he needs "gas stabilization" for a vehicle that will be setting over the winter, Polly had a fence done with lots of issues, Jeremy has a 1998 Chevy Metro with 190K miles and needs transmission work, Donna gets a big water bill every year at the same time, this and much more.

In this episode we tackle tennis, including the US Open and the future of Women's and Men's tennis. We check in on the MLB playoff picture, including the AL and NL Wild Card Races. We also recap week one of the NFL and lament the state of basketball in the FIBA World Cup. Corrections: - Bianca Andreescu's prize money is around $6M, with about half from the US Open - The Patriots won 33-3, not 35-3 - OBJ's watch is roughly $190K

Bill Belichick's shares his first thoughts on Antonio Brown, Odell Beckham Jr.'s $190K watch causes problems, and the extent of Derrius Guice's knee injury Learn more about your ad choices. Visit megaphone.fm/adchoices

This episode features a question from a caller whose torn between buying a $25K single family home to fix up and rent or going all out and purchasing a $190K

This episode features a question from a caller whose torn between buying a $25K single family home to fix up and rent or going all out and purchasing a $190K fourplex that is already occupied by four different tenants. One option is conservative while the other is way more aggressive. Kris Krohn shares his personal perspective on which property he’d invest in by analyzing some important factors like out-of-pocket costs, income potential, and ROI. You’l be surprised to learn why the debt-free option is not always the better option.

Hoy el Presidente del Senado, Thomas Rivera Schatz justificó el gallo de bronce en el capitolio. Pero si pensabas que iba a decir que él era el responsable, no. La Superintendencia del Capitolio es la responsable de ese gasto de $36 mil de fondos públicos. Si ellos decidieron, es cosa de ellos, le guste o no a la gente. Don Thomas, no olvidemos que el gallo lleva su nombre en la dedicatoria. ¿Por qué es importante machacar que se gastan $36K para un gallo de bronce, $190K para una plaza de creyentes y otras “menudencias”? Para que el pueblo sepa el verdadero nivel de prudencia tienen nuestros políticos. No para ambulancias, ni lanchas de Vieques, ni maestros, ni policías. Estamos en crisis. Pero sigue pasando lo de siempre. Los amigos del alma siempre trabajan. ¡Pobrecitos! ¿No? El mismo presidente del senado lo ha dicho literalmente en alguno de los programas de relaciones públicas donde suele visitar: Todos tienen derecho a trabajar. Y me imagino que eso es así aún cuando el resto del país se está comiendo la suela de la chancleta, y en una quiebra. No es solo transparencia. Es prudencia. Esta vaina de que esto es una pirámide, y la actitud “de facto” de que el dinero del pueblo es el botín para el que logre la mayor cantidad de votos en las elecciones se tiene que acabar. Aquí no se trata de si es Alejandro García Padilla, Jaime Perelló, Ricardo Rosselló o Rivera Schatz. Es que no importa partido, en el momento económico mas crítico de nuestra historia, mal gastan sin ser sensibles a las necesidades que por décadas nos aquejan. Hay una Junta de Control Fiscal que el Congreso impone. “Nos la imponen porque somos una colonia”. Lo único que me queda claro es que en la colonia de 2019 los políticos siguen comportándose como si fuéramos una república bananera. Todos. Todos... El justificar gastos superfluos del gobierno como dinero insignificante comparado con asuntos presupuestarios mayores, matemáticamente será correcto, jurídicamente será legal, pero espiritualmente es una inmoralidad. Lo más triste es ver cómo los programas de radio y TV siguen inundándose de gente que traen como “analistas” pero terminan haciendo relaciones públicas a los suyos, lavando caras cual si fueran indultos a sus inmoralidades. ¿Les darán propina por eso? Estamos en medio de una guerra retórica civil. El enemigo es toda tesis que trate de justificar el atropello institucionalizado contra el pueblo. Recuerda subscribirte al canal de YouTube.Com/WaloHD, darle like y follow a Facebook.Com/WaloHD, darle follow a Twitter.com/WaloHD, darle follow a Instagram.Com/WaloHD, e instalar en tu teléfono el @iHeartRadio App completamente gratis para que puedas escuchar el audio podcast de la #NaciónChancleta.

Reyes the Entrepreneur: a self made entrepreneur and full time YouTuber. In this interview we talk about his YouTube following, his next steps, and tips for entrepreneurs! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

In this session, learn about the new, seller-specific features in AWS Marketplace that make it easy for sellers to close transactions with over 190K active customers. Learn how to publish and update products as part of your feature release process with Self Service Listings. We review how you can target specific customers with special or customized pricing using Seller Private Offers and how you can accelerate your contract negotiations with the Enterprise Contract for AWS Marketplace. Lastly, we discuss how to combine these and other AWS Marketplace features to grow your business by reaching new buyers and converting perpetual licensed customers to a subscription model.

Lisa Konie (Senior Director of Legal Operations at Adobe Systems Incorporated) talks with Jason Barnwell (Assistant General Counsel of Legal Business, Operations, and Strategy at Microsoft Corporation) about the implications for corporate legal departments of outside counsel law firms moving to $190,000 per year base salaries for first year associate attorneys.

Artem Borodatyuk. He’s the founder of NetPeak Group and cofounder of Seed Fund WannaBiz. He’s focused on the development of B2B SaaS product companies. His first SaaS company was an all-in-one SEO platform for professionals called Serpstat.com, with 2000 customers and 100K users. Famous Five: Favorite Book? – From Third World to First What CEO do you follow? – Elon Musk Favorite online tool? — Google Spreadsheet How many hours of sleep do you get?— 7 If you could let your 20-year old self, know one thing, what would it be? – “Find some experienced entrepreneur and mentor”   Time Stamped Show Notes: 01:44 – Nathan introduces Artem to the show 02:23 – Serpstat was born as a cure to a search tool that was built by Netpeak 03:00 – Netpeak is the biggest SEO agency in Eastern Europe 03:20 – Netpeak currently has 300 projects in 4 markets 03:38 – Netpeak was founded in 2007 and was initially bootstrapped 03:43 – They haven’t raised funds for the agency side of Netpeak 04:27 – 2016 revenue of the agency side of Netpeak was $5-$15M 04:50 – Serpstat was initially created to be used by Netpeak itself 05:35 – In April 2015, Serpstat became independent 07:00 – In 2016, Serpstat received $250K of funding for 15% equity from Digital Future, a local VC fund 07:41 – Serpstat will almost hit their $1M ARR mark 07:58 – July 2017 MRR 08:26 – Igor Gor is Serpstat’s evangelist; he markets their product 08:45 – Team size is 52 in Serpstat with 20 in marketing 09:25 – ACG is $69 09:39 – Total number of customers is between 1000 to 2000 paid customers 10:36 – Serpstat can be paid in monthly payments or a one-time payment 12:03 – Serpstat loses 1-3% of their users monthly 12:40 – CAC 13:50 – LTV 14:20 – Serpstat spends $2K monthly on AdWords and $1K on Facebook Ads 15:04 – Serpstat is based in Ukraine 15:38 – Serstat plans to expand globally soon 16:02 – Gross margin is around 89% 17:23 – In July of 2016, monthly revenue was $20K 17:54 – 2016 revenue is almost $190K 19:30 – The Famous Five   3 Key Points: Create a product that can be used by your own company; that way you can attest to its usability and value. Europe offers different recurring payment plans than what is offered in the US. Take an offered fund as an opportunity to grow your company.   Resources Mentioned: Simplero – The easiest way to launch your own membership course like the big influencers do but at 1/10th the cost. The Top Inbox – The site Nathan uses to schedule emails to be sent later, set reminders in inbox, track opens, and follow-up with email sequences GetLatka - Database of all B2B SaaS companies who have been on my show including their revenue, CAC, churn, ARPU and more Klipfolio – Track your business performance across all departments for FREE Hotjar – Nathan uses Hotjar to track what you’re doing on this site. He gets a video of each user visit like where they clicked and scrolled to make the site a better experience Acuity Scheduling – Nathan uses Acuity to schedule his podcast interviews and appointments Host Gator– The site Nathan uses to buy his domain names and hosting for the cheapest price possible Audible– Nathan uses Audible when he’s driving from Austin to San Antonio (1.5-hour drive) to listen to audio books Show Notes provided by Mallard Creatives

Evan Leong. He’s the VP of Product at Devslopes, a learn-to-code platform focused on taking beginners to paid professionals to curated project-based videos. He’s always been involved with startups since 2015, when he took the leap from a corporate job to join the startup world full-time. Famous Five: Favorite Book? – Good to Great What CEO do you follow? – Jeff Bezos Favorite online tool? — Trello How many hours of sleep do you get?— 5 If you could let your 20-year old self, know one thing, what would it be? – Follow your instincts, follow your gut, and don’t let age stop you from what you want to do   Time Stamped Show Notes: 02:05 – Nathan introduces Evan to the show 02:31 – Devslopes is a learn-to-code platform for iOs, MacOS and TvOs 02:39 – A version for Windows will be available soon too 02:48 – Devslopes is similar to Treehouse 03:00 – Devslopes has been around for a year and a half 03:10 – Devslopes has just converted to SaaS 03:22 – They garnered 130 subscriptions just after the launch 03:33 – Average pay per customer is a little over $20 a month 04:05 – Devslopes was funded through Kickstarter and an investor 04:15 – They raised $190K in Kickstarter 04:35 – Devslopes’ CEO is a good salesperson and they had a strong community even before Kickstarter 05:04 – The Kickstarter campaign was blasted around 05:11 – The community size is around 10K 05:22 – Devslopes has raised an additional of $300K from Redfoo of LMFAO 05:42 – Devslopes was launched in March 2016 05:53 – First year revenue was $600K 06:04 – 2017 goal is to reach a million 06:39 – Devslopes has large courses that will take people more time to stick with them 06:48 – Devslopes is pumping out target topics which are 2-3 hour courses 07:13 – Team size is 8 07:48 – The CEO started in e-learning marketplaces 08:05 – By the time Devslopes started, the CEO already had 40K students on Udemy 08:33 – Devslopes gets students from affiliates too 09:12 – Devslopes want to fully dive into the learning experience 09:32 – They liked the idea of having everything in one program so they created the SaaS model 10:17 – Devslopes publishes to affiliates the content that the affiliates want to promote 10:26 – Udemy likes to promote 30-60 hour courses 10:43 – Devslopes is also on Skillshare, Learnability and Inkydeals 10:58 – 90% of the content goes to Udemy and the rest are spread out to the rest 11:08 – 90% of the revenue is from Udemy, too 11:30 – Devslopes is just starting to use Facebook ads which is their only paid marketing 12:05 – CAC 12:11 – Most of what Devslopes gets from Facebook ads is social presence but no paid leads yet 12:44 – The charge of Udemy fluctuates depending on how they promote their content 13:21 – Evan focuses on the product and handles the team 13:37 – Devslopes currently have 5K iOs downloads and a couple of thousand from Mac 15:30 – The Famous Five   3 Key Points: With the advancement in technology, more people are opting to learn from the comfort of their own home. Target your market so it will be easier for the company to adapt a new business model. Customers will stick with your product if it is of value to them.   Resources Mentioned: Simplero – The easiest way to launch your own membership course like the big influencers do but at 1/10th the cost. The Top Inbox – The site Nathan uses to schedule emails to be sent later, set reminders in inbox, track opens, and follow-up with email sequences GetLatka - Database of all B2B SaaS companies who have been on my show including their revenue, CAC, churn, ARPU and more Klipfolio – Track your business performance across all departments for FREE Hotjar – Nathan uses Hotjar to track what you’re doing on this site. He gets a video of each user visit like where they clicked and scrolled to make the site a better experience Acuity Scheduling – Nathan uses Acuity to schedule his podcast interviews and appointments Host Gator– The site Nathan uses to buy his domain names and hosting for the cheapest price possible Audible– Nathan uses Audible when he’s driving from Austin to San Antonio (1.5-hour drive) to listen to audio books Show Notes provided by Mallard Creatives

S13 E7 Week 6: Switzerland  On this episode, we're preparing for hometowns while discussing social media popularity & how it's possible for Dean to amass 190K+ followers on Instagram while Eric has 22K in comparison, Chris Harrison's diminishing role this season & whether the top 4 includes a true "dark-horse". There was also a lot to recap & chat about this week as well, including: the guys' feelings about Bryan, our love for Dean (who's opening-up amidst major pressure), Peter's feelings about his previous relationship, Eric overcoming extreme hardship, Adam's like partial like meltdown & Matt's emotional departure. Only 5 episodes remain this season...who else is ready for next week?! Shout-out Sudio! Support the podcast & check out Bachelor Glassware, an Amazon exclusive, these high-quality 15oz wine glasses were created with Bachelor Nation in mind. They're dishwasher-safe, made in the U.S.A. & available in 3 original designs: “Bachelor, Wine & I'm Fine”, “Here for The Right Reasons” & “Rosé Over Roses” …your favorite wine & yoga pants sold separately. On sale for E & G listeners @ amazon.com/bachelorglassware Follow & tag us on social media @eandgpodcast @geoffkeith & @iangulbransen Email us questions & feedback @ eandgpodcast@gmail.com Join our Bachelorette Fantasy League @ www.abc.com/bfl/bachelor_nation  Our featured sponsor this episode is Sudio, a new brand that offers premium headphones (including on-ear, in-ear & Bluetooth options). We've been using the Regent model (https://goo.gl/tg6v5o) these past few weeks & in terms of quality, style & overall value they're an A+. You can check them out on social media @sudiosweden & exclusive to E & G listeners we're happy to offer 15%-off when using promo code “EANDG” @ https://www.sudiosweden.com/us/    Listen to an Audible book for free! Thanks to our newest sponsor Audible (an Amazon company) we're excited to offer listeners 30 days of ad-free membership, plus a free audiobook that's yours to keep regardless of whether you continue your trial. You can choose from Chris Harrison's novel "The Perfect Letter" along with self-narrated tell-all books from Andi Dorfman & Courtney Robertson. Just be sure to use the following link when signing up @ http://www.audibletrial.com/eandg Save 15% on your Bachelor Wines order when using promo code “EANDG”, thanks to our friends @ http://bachelorwines.com Finally, be sure to use promo code "EANDG" to receive an exclusive discount on all merchandise, thanks to our awesome sponsors: 10%-off @ www.ClothingByOWL.com & 20%-off @ www.PuppiesMakeMeHappy.com

Today I’m really happy to have Toni Anderson back on the podcast. Now this is isn’t the first time I’ve had her on the show. Way back in episode39, we talked about how Toni manages to run a 6 figure blog, a conference, consult on the side and home school 7 kids. Now a lot has changed in the last year. For one thing, she decided to stop consulting and then reached out to me wanting to try opening an online store to replace the income from consulting. So she signed up for my Create A Profitable Online Store Course […] The post 111: How To Make 190K In Your First 7 Months Selling Jewelry Online With Toni Anderson appeared first on MyWifeQuitHerJob.com.