Podcasts about 330k

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!---

According to a global Surfshark's study, governmental requests for content removal climbed to nearly 330k, with an annual average growth rate of 34% since 2020. Starting at over 44,000 requests in 2020, this number surpassed 100,000 by 2023, indicating that the volume of requests has more than doubled. "Government requests to remove content from Google shed light on the legal rules that govern online access to information. These requests often focus on political content or criticism of government actions. To justify such restrictions, governments typically cite laws related to defamation, privacy and security, or copyright. Google reviews each request carefully to determine if the content breaks any laws or violates its policies before deciding how to proceed," says Emilija Kucinskaite, Senior Researcher at Surfshark. Top countries by Google content removal requests Since 2020, nearly 330k requests have been submitted, originating from almost 150 countries, with an annual average growth rate of 34%. In this decade, 3 countries have accounted for around 80% of the total content removal requests. Russia accounts for 64% of the total, with over 211,000 requests (almost 130 per day). South Korea is second, with 10% of requests, totaling nearly 33,000 requests or approximately 20 per day. India follows with 5%, translating to almost 16,000 requests or around 9 per day. Among the top 15 with the highest number of Google removal requests are also Taiwan, Turkey, Brazil, Bangladesh, France, Pakistan, the United States, Australia, Germany, Vietnam, the United Kingdom, and Indonesia. Notably, of all countries or regions not in this list (about 90% of all countries) submitted fewer than one request per day on average. Courts and government agencies may request to remove content from Google products and services - from Blogger and Google Translate to Gmail. However, this decade, the majority of requests have been directed towards YouTube, which accounts for 54% of requests. Web Search is in second place accounting for 31% of requests. Together, these two platforms account for 85% of the received content removal requests. Global insights: why do governments ask for content removal? Each request is categorised by reason, with over 20 different grounds for requesting content removal from Google products or services. This decade, the three most common reasons have been National Security, with over 96,000 requests; Copyright, with nearly 71,000 requests; and Privacy and Security, with more than 37,000 requests. Together, these three reasons account for over 60% of content removal requests globally. Privacy and Security requests primarily focus on Web Search, YouTube, and Google Images; Defamation-related requests are mainly directed at YouTube, Web Search, and Local Reviews; Fraud-related requests predominantly target Google Ads, YouTube, and Web Search. See more stories here.

Watch The X22 Report On Video No videos found Click On Picture To See Larger Picture Biden decides he doesn't need the people anymore so he withdraws his student loan forgiveness plan, the election is over. Rand Paul shows the people how the government wastes their money. Trump is going to reverse the [CB]. The [DS] is now threatening Elon Musk. Trump says he will use the death penalty for those who rape, murder etc. Rule of law returning to the US. Trump and the patriots are going to remove the fourth branch of the government, the [DS] time is at and end. When the operation begins Trump will be safe aboard AF-1.   (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); Economy BREAKING: Joe Biden Leaves Millions of Borrowers in Lurch, Abruptly Withdraws His Student Loan Forgiveness Plans  Joe Biden abruptly withdrew two of his major student loan forgiveness plans on Monday. Biden used the student loan forgiveness plans to buy votes and now that he lost the 2024 election, he has abandoned his plan and left millions of borrowers in lurch. Joe Biden unilaterally announced a massive forgiveness of student loans last August to buy the Gen Z-Millennial vote in the 2022 midterms. The Trump Transition team is working to immediately rescind Biden's student loan forgiveness plan. Source: thegatewaypundit.com https://twitter.com/EricLDaugh/status/1871218711664918975   "Bearded Ladies Cabaret" for a climate change-focused ice skates show - $365K for circuses in city parks - $32.5K for "breakdancing" - $330K for censoring conservative media - $720K for conservation of ducks in Mexico @RandPaul is going to get major backup from DOGE in just a few weeks. https://twitter.com/BitcoinMagazine/status/1871420542357794981   Trump proposes eliminating the income tax. Here's what experts think. Experts cast doubt on whether the lost revenue could be replaced with tariffs. Political/Rights https://twitter.com/America1stLegal/status/1871255394171199828 https://twitter.com/libsoftiktok/status/1871480324385013778    A Good Start: 'Dozens' of Tren de Aragua Illegal Immigrant Gang Members Arrested in Colorado, New York   On Monday, as an early Christmas present to the American people, we see that ICE has carried out operations in Colorado and New York that have resulted in the arrest of "dozens" of Tren de Aragua goblins. U.S. authorities arrested dozens of members of the Venezuelan prison gang Tren de Aragua during recent operations in two major American cities. Immigration and Customs Enforcement said 16 suspected gang members were nabbed Tuesday in Aurora, Colorado, after the criminals were linked to a home invasion and kidnapping at an apartment building that Tren de Aragua had taken over. That came less than two weeks after federal agents handcuffed 22 suspected gangsters in New York City during raids in Brooklyn and the Bronx. Source: redstate.com  Geopolitical/Police State https://twitter.com/MikeBenzCyber/status/1871066971804180913 War https://twitter.com/xOxPhanteraxOx/status/1871294945669353852   TPS for Syria Extended and Redesignated for 18 Months; Certain EADs Automatically Extended Through March 31, 2025 South Korea Warns North Korea Against Sending More Troops, Drones, Missiles to Russia South Korea's Joint Chiefs of Staff (JCS) warned  that North Korea is preparing to send more troops, drones, and missiles to Russia to support its war against Ukraine. North Korean dictator Kim Jong-un is particularly eager to send more “suicide drones” to his ally,

#568 - In dieser Episode sprechen Tim und Tina Molin über die Vorteile einer Community, den Lawineneffekt und wie Tina durch humorvolle Reels mehr Follower gewann. Sie erläutern die Wichtigkeit von Hooks und B-Rolls für erfolgreiche Videos und teilen Einblicke in Tinas Reise von der Journalistin zur Lustcoach. Erfahre, wie Tinas Reels bis zu 330.000 Aufrufe erreichten und welche Strategien dahinterstecken. Hol dir wertvolle Tipps für deine Social-Media-Präsenz! Hier findest du Tina im Netz: https://tinamolin.de/ Hier findest du Tina auf Instagram: https://www.instagram.com/tina.molin/ Hier findest du Tinas Intimitäts-Guide: https://tinamolin.de/intimitaets-guide/ Hier findest du Tinas 1:1-Coaching: https://tinamolin.de/work-with-me/ Highlights:  "Ein unerwarteter Nebeneffekt von Communitys ist die Erhöhung der Sichtbarkeit und die Entstehung neuer Gelegenheiten, wie Podcast-Einladungen."  "Reels sind keine Raketenwissenschaft – finde deinen Schlüssel und leg los!"  "Mit Humor und Leichtigkeit lassen sich selbst schwierige Themen erfolgreich vermitteln." Timestamps: 00:00 – Einführung und Begrüßung von Tina Molin 01:45 – Vorteile und Wirkung von Communitys 07:32 – Erfolgreiche Reels: Tipps und Strategien 13:10 – Unterhaltung und Authentizität in Social Media 19:03 – Bedeutung von Hooks und B-Rolls 25:50 – Tinas Werdegang und Coaching-Erfahrungen 31:22 – Herausforderungen und Erkenntnisse der Reels-Challenge Connect: → Tritt meinem Newsletter bei und erhalte 3 E-Mails pro Woche, die deine Conversions erhöhen: https://www.timgelhausen.de/newsletter/ → Folge mir auf Instagram für Einblicke in mein Business: https://www.instagram.com/timgelhausende/

This episode is brought to you by OM SYSTEM, and their Black Friday pricing is here! There are incredible savings on OM SYSTEM gear that you won't want to miss. OM SYSTEM has nearly every lens on sale, right now, with discounts up to $700 off! It's the ideal opportunity to expand your kit, upgrade to the lenses you've had your eye on, or purchase a holiday gift for a loved one.  Whether you're looking for a new camera or the right lens for your next adventure, check out OM SYSTEM's Black Friday deals. Head over to explore.omsystem.com/petapixel to see all the savings. Offers end December 8. Tamron's holday savings are live! Save up to $200 on select lenses including versatile all-in-one zoom lenses for flexibility in various shooting scenarios, fast aperture zoom lenses for excellent low-light performance and beautiful bokeh, ultra-telephoto zoom lenses for far-reaching shots with exceptional clarity, prime lenses offering sharp detail and superior image quality, and fast wide-angle zoom lenses for dynamic landscapes and architecture shots. Tamron's lenses offer high-quality and fast performance that are designed to elevate your photography experience. Shop now and save at tamron-americas.com. This week on The PetaPixel Podcast there is a lot to discuss, with Fujifilm announcing it will make a new cinema camera next year, Final Cut Pro getting its first version change in 13 years, Sony bowing out of making drones, and more! Support Chris and Jordan directly with a PetaPixel Membership! Check out PetaPixel Merch: store.petapixel.com/ We use Riverside to record The PetaPixel Podcast in our online recording studio. Every week, the trio go over comments on YouTube and here on PetaPixel, but if you'd like to send a message for them to hear, you can do so through SpeakPipe. In This Episode 00:00 - Intro (Chris finished his new studio!) 06:11 - Fujifilm is developing a dedicated GFX cinema camera called the GFX Eterna 11:35 - Apple Moves to Final Cut Pro 11, updates iPad app and Final Cut Camera, too 26:26 - Hasselblad announced a new 75mm f/3.4 P lens 28:18 - Sony's Airpeak has been discontinued 29:10 - Why did the Airpeak fail? 33:44 - The FlashBack "non-disposable digital disposable camera" got a $330K investment on Shark Tank 37:29 - Benro's Theta self-leveling tripod Kickstarter is nearly two years delayed 42:11 - What is the state of photobooks in 2024? With Mixbook CEO and Co-Founder Andrew Laffoon 1:20:34 - What have you been up to? 1:22:20 - Never read the comments 1:33:40 - Feel good story of the week

Meet our special guest, Marcus Norman, a serial entrepreneur who dedicates his time, energy, and passion to multiple ventures.   Marcus hails from the beautiful Caribbean island of St. Croix (pronounced "Saint Croix"). He also served in the United States Navy for eight years, where he developed his skills and matured into manhood.   Today, Marcus is the CEO of a real estate investment firm and property management company based in Virginia.   His firm focuses on delivering higher returns for investors, board members, and market partners through both traditional and alternative markets, both domestically and internationally.   Currently, Marcus manages $330K in assets in the rapidly growing 757 area.   In addition to his business ventures, Marcus is the host of Gentleman Style Podcast.a show aimed at uplifting and encouraging men and women around the world.   Learn More Here: https://www.gentlemanstylepodcast.com/   Want to be a guest on WITneSSes? Send Elisha Arowojobe a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/elishaarowojobe  

This week's Espresso covers news from Bucksapp, Realize, Moffin, and more!Outline of this episode:[00:27] – Bucksapp lands $1M in pre-seed[00:43] – Realize secures $300K from Investidores.vc[00:55] – Moffin raises $2.1M seed round[01:16] – Perhaps raises $1.7M pre-seed round[01:29] – Bits raises $330K to enhance AI use[01:43] – Eden raises $10M led by Sierra Ventures.[01:53] – Avra raised $2M in a round led by MAYA Capital[02:08] – Overview of Cali's entrepreneurial ecosystem[02:20] – Latamlist Roundup July 1st - July 15thResources & people mentioned:Startups: Bucksapp, Realize, Moffin, Perhaps, Bits, EdenVCs: iThink VC, BuenTrip Ventures, Investidores.vc, Accion Venture Lab,  Chile Ventures, Bessemer Venture Partners, Quintal, Levain Ventures, Sierra Ventures

It's a legal-heavy episode today, but first, Bitcoin has rejected the $60,000 price level once again, pushing the Crypto Fear & Greed Index into “extreme fear” for the first time since January 2023. Nevertheless, with 90% odds of a September interest rate cut by the US Federal Reserve and stocks and gold reacting accordingly, it could be just a matter of time until BTC is back on the ascent. On the legal side of crypto, a US Supreme Court ruling could be a “game changer” for crypto, the SEC has dropped its action against Paxos and the Binance USD token, and Coinbase demands to see Gary Gensler's private messages.Further reading:Bitcoin index falls to ‘extreme fear' as BTC fails twice to breach $60KGerman gov't Bitcoin wallet drops to 5,800 BTC after major saleBitcoin price struggles as investors expect Fed interest rate cuts — Why?Bitcoin price will hit $330K this bull cycle — AnalystSupreme Court ruling ‘changes the game' for US crypto firmsSEC will not pursue enforcement action against PaxosJudge has ‘strong views' about Coinbase inquiry into Gensler's private msgsSo, grab yourself a coffee, and let's get into it!Rise'n'Crypto is brought to you by Cointelegraph and is hosted and produced by Robert Baggs. You can follow Robert on Twitter and LinkedIn. Cointelegraph's Twitter: @CointelegraphCointelegraph's website: cointelegraph.comThe views, thoughts and opinions expressed in this podcast are its participants' alone and do not necessarily reflect or represent the views and opinions of Cointelegraph. This podcast (and any related content) is for entertainment purposes only and does not constitute financial advice, nor should it be taken as such. Everyone must do their own research and make their own decisions. The podcast's participants may or may not own any of the assets mentioned.

You may be overcomplicating your launches…While in the midst of a health scare juggling appointments, surgeries, and literally being unable to speak for periods of time, list-building expert and business matchmaker Linda Sidhu still pulled off a $330K launch.She didn't use any of the traditional methods during her launch to promote her offer, like ads, webinars, social media posts, or email blasts. All of her new buyers were referred by her network of clients, peers, and mentors.Linda is a testament to why community is the greatest lifeline for your business, and in this case study, she details exactly how she supercharged word of mouth sales to enroll 98 members for a $3500 offer.View the transcript for this episode at: https://otter.ai/u/CebrhCr66Sp3Ih3Tr-QyppCDbBk?utm_source=copy_urlConnect with Linda:QUIZ: What's Your Visibility It-Factor? https://www.lindasidhu.com/quizMagic Match Workshop: https://www.lindasidhu.com/magicmatchInstagram: https://www.instagram.com/iamlindasidhu/ Facebook Group (Super Connected): https://www.facebook.com/groups/813848232379718 Links mentioned in the episode:Linda's quiz case study episode: https://link.chtbl.com/9i_s2XIRHear more about her Mixermind: https://link.chtbl.com/xbfR6x4VVeronica Romney's Open House strategy: https://link.chtbl.com/rvhMPSCoIconic business leaders all have their own unique genius. Take this quick 10 question quiz to uncover your specific CEO style advantage: https://ellenyin.com/quizIf you enjoyed today's episode, please:Post a screenshot & key takeaway on your IG story and tag me @missellenyin & @cubicletoceo so we can repost you.Leave a positive review or rating at www.ratethispodcast.com/cubicletoceoSubscribe for new episodes every Monday.Join our C-Suite membership to get bonus episodes! Check out everything our members get at https://ellenyin.com/csuite

Miguel Armaza interviews Alberto Dalmasso, CEO & Co-Founder of Satispay, the largest fintech in Italy and one largest fintechs in Europe. Founded in 2013, Satispay has 4 million consumers and 330,000 merchants active on the platform. Started as a payments network, they've now evolved to a wider financial services ecosystem and super-app. Satispay has raised $500 million from Block, Greyhound, Addition, Coatue, Banca Sella, Endeavor, and many more.We discuss:Strategies and key metrics on building one of the largest payment networks in Europe, bypassing Visa and MastercardBalancing aggressive growth and a culture of efficiencyLearning through small mistakesEvolving into a wider super-app for consumersLeadership lessons on handling pressureSpreading confidence instead of fear… lots more!Want more podcast episodes? Join me and follow Fintech Leaders today on Apple, Spotify, or your favorite podcast app for weekly conversations with today's global leaders that will dominate the 21st century in fintech, business, and beyond.Do you prefer a written summary? Check out the Fintech Leaders newsletter and join 65,000+ readers and listeners worldwide!Miguel Armaza is Co-Founder and General Partner of Gilgamesh Ventures, a seed-stage investment fund focused on fintech in the Americas. He also hosts and writes the Fintech Leaders podcast and newsletter.Miguel on LinkedIn: https://bit.ly/3nKha4ZMiguel on Twitter: https://bit.ly/2Jb5oBcFintech Leaders Newsletter: bit.ly/3jWIp

Parade of Techniques: 1. A backyard “staging” technique from one of our students for this time of year. 2. One of our students is using a “bot” (BirdDogBot) to get listings. Ask the Experts: 1. One of our students who is working For Sale By Owners (FSBOs) found one that's listed at 373K. He did the comps and it should be between 320K and 330K. It's vacant and the seller lives in Tennessee. He called the seller who is willing to talk to him. However, he just wants a phone conversation. He's going to get him access to the house, let him walk through it, and then, “Call me from the house”. “So what do I do?”. 2. I'm committing to a neighborhood geographical farm. And I want it to pay off as quickly as possible. I don't know what to do. What's your advice?

With over 122 million active people on the platform every day, YouTube is the 2nd largest search engine on the internet. Our guest is an artist turned CEO who has built her makeup channel into the primary lead generator for her business.Harriet Hadfield, commonly known as Harry, is an A-list celebrity makeup artist, Youtuber, and business coach, empowering creative freelancers with the tools & strategies to dismantle the starving artist narrative by booking celebrity clients and global brands without needing an agent or relying on word of mouth.In today's case study, we examine how Harry drove $330K in revenue to her own offers this year directly from YouTube.Get the inside scoop on how to create content that speaks to multiple audiences, what takes someone from a casual viewer to paying customer, creative collaboration ideas to expand your reach on YouTube, and ways to double dip by turning one monetization opportunity into multiple income streams on YouTube.Whether you publish on YouTube or elsewhere, this episode will help you leverage long-form video content to sell more products & programs.View the transcript for this episode at: https://otter.ai/u/6YO_J1Op1kuiObDy7R4lVMhgCtQ?utm_source=copy_urlConnect with Harriet:Freelance with Freedom Podcast: https://www.harriethadfield.com/podcastCreate Consistent 10k Months as a Freelance MUA: https://harrymakesitup.kartra.com/page/evergreen-webinar-replayhttps://youtube.com/@HarryMakesItUpLink mentioned in this episode:Codie Sanchez's Episode: https://link.chtbl.com/wRD_R58HIconic business leaders all have their own unique genius. Take this quick 10 question quiz to uncover your specific CEO style advantage: https://ellenyin.com/quizIf you enjoyed today's episode, please:Leave a positive review or rating at www.ratethispodcast.com/cubicletoceoSign up for our text notifications at ellenyin.com/superfan so you can be the first to know when a new case study has dropped!Post a screenshot & key takeaway on your IG story and tag us @missellenyin & @cubicletoceo

Today's episode features George Kamel & Dr. John Delony. The Ramsey Show Highlights is a quick, daily dose of advice on life and money in under ten minutes. Hear from experts like Dave Ramsey, Ken Coleman, Rachel Cruze, Dr. John Delony, George Kamel & Jade Warshaw. Part of the Ramsey Network. Delivered to you seven days a week.

在2023凯乐石莫干山跑山赛前，我们得知Franco Colle即将来到中国，我们对他关注良久，并对他的职业生涯充满兴趣，好奇究竟是什么人才能将330公里的巨人之旅赛道纪录提升到66小时，这次非常幸运能够跟他展开对话，你能在本期节目中听到很多有趣的内容：- 越野跑开启竟是在毫无准备之下姐姐的邀请，但姐姐最后竟…- 他认为中国越野跑者有实力在顶级比赛拿到更好成绩，只是因为…- 如果有机会与中国跑者在中国越野赛中同台竞技，他的策略是…- 备战巨人之旅，关键在于…- 第四次拿下330巨人之旅冠军并打破赛道纪录，他在装备上的选择是…- 成为凯乐石国际精英运动员后，Franco又将要和凯乐石一起开启哪些新的合作和挑战…Franco对我们提问几乎完全敞开，更多有趣且有启发的内容请收听本期节目。2012年，还在痴迷滑雪登山的Franco Colle收到了来自姐姐的邀请，一起参加在家乡奥斯塔山谷举办的一场叫做巨人之旅的比赛，在完全没有准备好的情况之下，Franco接受了邀请，并站在了起跑线前。在意大利成长的少年，足球是最自然的选择，Franco同样如此，“如果没有越野跑，我可能会夏天踢足球，冬天滑雪登山。”他告诉我们，奥斯塔山谷的滑雪资源和山地资源异常丰富，拥有绝佳的基础设施和运动氛围。回溯Franco的人生，他做过的所有事情似乎都是在为他于2012年与越野跑相遇做着准备，足球培养出来的团队精神让他获益非浅，“越野跑并不是表面看上去的个人运动。”Franco对越野跑的理解与大家传统的印象颇有差异。在他看来，要想充分享受越野跑，并在成绩上有所精进，需要协调生活节奏以满足家人的需求，他举了个例子，如果在巨人之旅前一周，家人想要安排度假，这肯定是不行的，因为这既是对家人不负责，也是对比赛不负责。与赞助品牌团队的合作同样重要，双方并非拿钱与办事的单向关系，而是相互促进共生的协作体。当将团队意识落在比赛的场景中，则是跟后勤团队的紧密合作。正是足球运动的那段经历，Franco懂得了该如何在团队中工作。而滑雪登山的训练让他获得了强大的上坡和下坡能力，在回答如果参加今年的凯乐石莫干山跑山赛，会采用什么策略的问题时，Franco说自己会在平路积蓄体能，并在上下坡时建立优势，巨人之旅的路线几乎没有平路，动辄达千米的单次爬升让Franco能够完全发挥出滑雪登山时练就的上下坡能力。回到Franco第一次参加巨人之旅的过程，当他抵达位于100公里左右的CP点时，人们告诉他与前面的冠军只有三分钟的差距，鼓励他加紧追击。在匆匆离开CP点后，疲劳突然袭来，他竟然离开赛道，倒在一棵树下睡去。就在Franco睡着的时候，比赛的组委会和他的家人正为找不到他而着急，当年的比赛还未给选手配备GPS定位设备，直到他醒来继续比赛。继续比赛，Franco决定改变策略，他放慢速度，不再追逐冠军，最终以第五名的成绩完成比赛，并在意大利参赛选手中排在第一。在完全没有准备好的情况之下能够取得这样的成绩，Franco感觉找到了属于自己的运动。2013年，他选择继续参加巨人之旅，当年的冠军是来自西班牙的Iker Karrera，Franco回忆当时与他在比赛中的焦灼，最终落后其2小时，以72小时05分23秒的成绩完成比赛，获得季军。有了这次经历，Franco下定决心成为职业越野跑运动员。2014年，他在巨人之旅收获冠军。2023年，Franco第四次站上巨人之旅的最高领奖台，并创造66小时39分19秒的纪录。现在的他大部分时间依然住在Gressoney，一个位于奥斯塔山谷的小镇，每当他去商店，或者去工作时，人们总会以“你明年还会参加巨人之旅吗？”的问题跟他打招呼，巨人之旅改变了Franco的人生轨迹，同时也赋予他新的生命，从这个角度来讲，意大利人Franco是代表巨人之旅的符号。Franco说过自己的过往经历全都是在为他成为越野跑运动员在做准备，除了上面提到的足球和滑雪登山运动员之外，作为工程师接受的职业训练也在帮助他更好的训练和比赛。在面对复杂问题时，工程师的思维习惯首先是分拆目标，接着是制定规划，然后按部就班严格执行，最终抵达问题解决的终点，对他们来说任何问题都有解决方案，重要的是规划和执行。在分享如何备赛巨人之旅时，Franco完全展现出了工程师思维。他在冬季的大部分时间做滑雪登山训练，肌肉和关键会因此得到休息，这段时间还会保持每周一次的跑步训练，进行力量训练和稳定协调训练。冬天过后，开始真正的跑步训练，一般是先从20到30公里的短距离开始，同时还会做间歇训练，Franco强调间歇训练对提升速度的重要性。来到3、4月，他会逐渐增加训练量和强度。5月可能会参加一场比赛，例如今年他就在这段时间跑了场百公里的越野赛，6月继续增加训练量和强度，并在7月达到训练量的巅峰。巨人之旅前整个8月，Franco会将之视为休息调整月，训练量和强度逐渐减少，这是他尤其强调的经验，许多在准备巨人之旅的越野跑者都会犯这样的错，在8月继续保持高训练量，导致在比赛开始前疲惫不堪，无法发挥出最佳水平。Franco的工程师思维不仅贯穿在备赛过程，在比赛过程中同样有所体现，在今年的巨人之旅比赛中，他使用的跑鞋包括1双FUGA PRO 4和3双FUGA EX3，在前 50 公里使用FUGA PRO 4，因为速度快，技术难度不高。最初的50公里之后，Franco每50或100公里就会更换一次FUGA EX3，他在鞋子上分别贴1、2、3、4的标签，在需要更换跑鞋的CP点，直接跟后勤团队报出标签号码，迅速更换后继续出发。因为需要保持脚部干燥，他还会更换袜子和鞋子。一切都在掌控之中。工程师思维还包括测试的习惯，Franco在跟我们的对话中反复任何策略的改变都需要验证，这也是他将参加的比赛分为关键比赛和测试比赛的原因，前者需要竭尽全力完成并争取更好的成绩，后者则是为寻找自身的短板和漏洞。他在今年的3月份参加大加纳利岛越野赛的85公里组别，目的即是为测试FUGA EX3是否能够适应巨人之旅，两地的天气条件和路况有很大的相似性，结果是很符合他的需求，相较其他品牌的鞋子，这是一双缓冲性很好、重量很轻的鞋，他说FUGA EX3在巨人之旅中帮助最大的是抓地力，在技术路线上的表现非常出色。提到Franco与凯乐石如何结缘，还有一段足以让人津津乐道的故事。在2022年巨人之旅赛前一周，Franco在自己社交媒体账号的后台收到一封信件，那边询问他是否愿意在巨人之旅中尝试一个叫做凯乐石的品牌的越野跑鞋和背包。他经常能够接收到类似的信息，通常都会选择拒绝，因为已经有合作的品牌，这次他还是礼貌地拒绝了对方的建议。几个月后，一个朋友要在Franco所居住的附近的小镇开一家运动装备店，犹豫是否要引进一个品牌的跑鞋，因此提出请Franco帮忙测试，后者惊讶地发现竟是凯乐石，这是Franco第一次见到凯乐石的产品，一番体验之后，他给朋友的反馈是：“这是一双好鞋，值得引进。”凯乐石在意大利的工作人员再次联系到Franco，提出邀请他成为品牌赞助运动员，Franco当时有合作关系非常稳定的赞助商品牌，无法接受这样的提议，工作人员后来又告诉他品牌接下来的规划和即将启动的项目，Franco被打动，最终决定加入。在整个过程中，那位在隔壁小镇开运动装备店的朋友起到了关键作用。在成为凯乐石的在今年在巨人之旅之前，Franco在意大利做了FUGA训练营，看到自己的经验能够帮助更多的人在训练和比赛中少走弯路，他对此非常开心。这次来到中国，Franco能够感觉这里的越野跑发展还处在开始阶段，他认为自己的经验会变得更有价值。Franco还提到未来将参与到凯乐石的产品迭代研发中，以运动员的视角切入，提供更多的数据和亲身体验得来的需求反馈，创造出更加满足越野跑者需求的产品。“这对我来说是一个新的挑战。”Franco说，就像他当年接受姐姐的邀请参加巨人之旅一样，在一无所知的情况下走入越野跑的世界，结果是竟然发现这是他一生的终极追求，这次与一个刚刚知道不久的中国品牌达成合作，通往的是一个充满未知同时又是有无限可能的未来。Franco对此非常期待。

Join me as I welcome to the Kids Sleep Show, Elina Furman, Founder, Kahlmi, where we dive into the world of massage and the amazing benefits it can have for babies, child and for parents, as a new way to connect with our littles.  Elina Furman is a Certified Infant Massage Instructor with over 15 years in the baby products industry. She is deeply passionate about spreading awareness of the many science-backed benefits of infant/child massage and earned her infant massage certification after talking to many parents who were confused and bewildered about how to perform baby massage.  As a baby massage expert, she has conducted education for such brands as Lovevery, Legendairy Milk, Mama Glow, Finn & Emma among many others and has been featured in Fast Company, Forbes, Byrdie, Pop Sugar and many popular maternity podcasts. Her social media community is growing every day with 480K followers on TikTok and 330K on Instagram, and her book 101 Natural Baby Hacks is slated for release by BenBella Books in 2024. As the founder of Kahlmi, the 1st baby massage brand, she launched the first bonding and massage tool for babies/children called the “Theragun for Babies” featuring Acu-touch technology and vibration to help families connect, calm and comfort.  

In this episode, join us as we dive into the incredible journey of Anna Zheng, who shares her inspiring story of achieving over $330k in sales. Discover her strategies, insights, and the secrets behind her remarkable successSUBSCRIBE TO THE SALES SECRETS PODCASTITUNES ► https://itunes.apple.com/us/podcast/s...​SPOTIFY ► https://open.spotify.com/show/1BKYsQo...​YOUTUBE ► https://www.youtube.com/channel/UCVUh...​THIS EPISODE IS BROUGHT TO YOU BY SEAMLESS.AI - THE WORLD'S BEST SALES LEADSWEBSITE ► https://www.seamless.ai/LINKEDIN ► https://www.linkedin.com/company/seamlessai/JOIN FOR FREE TODAY ► https://login.seamless.ai/invite/podcastSHOW DESCRIPTIONBrandon Bornancin is a serial salesperson, entrepreneur and founder of Seamless.AI. Twice a week, Brandon interviews the world's top sales experts like Jill Konrath, Aaron Ross, John Barrows, Trish Bertuzzi, Mark Hunter, Anthony Iannarino and many more -- to uncover actionable strategies, playbooks, tips and insights you can use to generate more revenue and close more business. If you want to learn the most powerful sales secrets from the top sales experts in the world, Sales Secrets From The Top 1% is the place to find them.SALES SECRET FROM THE TOP 1%WEBSITE ► https://www.secretsalesbook.com/LINKEDIN ► https://www.linkedin.com/company/sales-secret-book/ABOUT BRANDONBrandon Bornancin is a serial salesperson (over $100M in sales deals), multi-million dollar sales tech entrepreneur, motivational sales speaker, international sales DJ (DJ NoQ5) and sales author who is obsessed with helping you maximize your sales success.Mr. Bornancin is currently the CEO & Founder at Seamless.ai delivering the world's best sales leads. Over 10,000+ companies use Seamless.ai to generate millions in sales at companies like Google, Amazon, Facebook, Slack, Dell, Oracle & many others.Mr. Bornancin is also the author of "Sales Secrets From The Top 1%" where the world's best sales experts share their secrets to sales success and author of “The Ultimate Guide To Overcoming Sales Objections.”FOLLOW BRANDONLINKEDIN ► https://www.linkedin.com/in/brandonbornancin/INSTAGRAM ► https://www.instagram.com/brandonbornancinofficial/FACEBOOK ► https://www.facebook.com/SeamlessAITWITTER ► https://twitter.com/BBornancin

Unlike other content creators and influencers, Arielle Raycene has the charisma and ability to not take herself too seriously and is known to charm everyone she meets. With nearly 330K followers on Instagram alone, Arielle has been focusing on her acting career over the past few years since the pandemic and was able to land her first off-Broadway show “Used: in early 2020. After a successful run and ultimately being closed due to the pandemic, Arielle has spent the last 2-3 years building her resume and making a name for herself as an actress. But Arielle is much more than just an actress. Hear about personal interest in creating "truth tools" on the internet to improve body positivity. Raised in Kansas City, Missouri, and coming from a background of participating in many sports including competitive cheerleading, and swimming, Arielle uses her platform to be a fierce advocate for body positivity, and self-love, after having the disease hit close to home with one of her family memebrs suffering from an eating disorder. As a result, Arielle wants to use her platform for positivity to empower everyone going through something similar When Arielle isn't busy in front of the camera or taking classes at the Groundlings, she loves to devote her time to philanthropic charities, including raising awareness for people suffering from eating disorders, and body dysmorphia, volunteering at homeless shelters, and raising funds and awareness for children and young adults seeking a higher education to better their lives.Become a supporter of this podcast: https://www.spreaker.com/podcast/success-made-to-last-legends--4302039/support.

Unlike other content creators and influencers, Arielle Raycene has the charisma and ability to not take herself too seriously and is known to charm everyone she meets. With nearly 330K followers on Instagram alone, Arielle has been focusing on her acting career over the past few years since the pandemic and was able to land her first off-Broadway show “Used: in early 2020. After a successful run and ultimately being closed due to the pandemic, Arielle has spent the last 2-3 years building her resume and making a name for herself as an actress.But Arielle is much more than just an actress. Hear about personal interest in creating "truth tools" on the internet to improve body positivity. Raised in Kansas City, Missouri, and coming from a background of participating in many sports including competitive cheerleading, and swimming, Arielle uses her platform to be a fierce advocate for body positivity, and self-love, after having the disease hit close to home with one of her family memebrs suffering from an eating disorder. As a result, Arielle wants to use her platform for positivity to empower everyone going through something similar When Arielle isn't busy in front of the camera or taking classes at the Groundlings, she loves to devote her time to philanthropic charities, including raising awareness for people suffering from eating disorders, and body dysmorphia, volunteering at homeless shelters, and raising funds and awareness for children and young adults seeking a higher education to better their lives.

In this episode Nick and Steven chat with David Smart about his sourcing, development and lettings businesses. David was on the show 2 years ago and has excelled since then. He shares the power of sourcing and how integral it is to a successful property business. Along with finding 330k of last minute investment from a social media post.Sourcing when starting out in property to leave working off-shore Systems and due diligence involved in sourcingSourcing over 50 properties in a year Importance of honesty and integrity for reputationCreating a lettings company and providing a full service to investors Making your own luck and utilising people and social media The main challenges in the current market Investors reaction to the 6% ADS riseFinding 330k of last minute investment from a social media postThe power of doing the viewing yourselfFollow David:Instagram: @david_smart_property**DISCLAIMER**Please do your own due diligence on any of our guests you may decide to do business with. We interview in good faith. However, we cannot be held responsible for any credibility issues that may arise.

In today's episode, Abby is joined by @taycrums (on Tiktok) to talk about adjusting to post-grad life, balancing a 9-5 with being a content creator, amassing 330k+ on Tiktok, and of course, how she stays committed to the infamous 3:30am morning routine. Be sure to leave a review and follow @inbloompodcast on Instagram! Follow Taylor on Tiktok Follow Taylor on Instagram Follow Abby on Instagram

From: https://thebusinessengineer.org/profileFor the first time, in twenty years, Google was threatened at the point, of summoning up Page and Brin back to the company, to figure out an AI strategy which moves along, launching over 20 AI-based products within the Google's ecosystem. These might go from simple product enhancements to search, voice and productivity. Up to the launch of a ChatGPT-like product, anytime in 2023, called Sparrow, which might be an AI-based search assistant, that might be more grounded, factual and able to cite sources.Google AI strategy. In the meantime, the launch of ChatGPT seems to have awaken the AI tech giant. As Google has led the way in AI, being the first company, which in 2018, announced the transition of Google, to become an AI-first company. This week Google published its manifesto for AI. And it also published a research into the AI. Let me though tell you the most important part of it. Google explained that it's working on multimodality (generative models able to handle anything, from text, images, audio, video and more). Multimodality, if achieved, can be what would enable Google to get back on track, to the race of AI!In the meantime, it seems that OpenAI is already moving forward with a premium version of ChatPGT! It seems that OpenAI is moving forward with a very simple pricing structure (for now) where the premium version of the product might be priced at $42 per month. To understand how this fits into the OpenAI business model, read this!​This week, Satya Nadella announced how OpenAI's products are getting integrated within all of Microsoft's business model! To understand how the whole thing is playing out read the OpenAI/Microsoft partnership structure here. ​AI and new job skills: The most exciting aspect to me, of this AI revolution resides in the fact that this current paradigm, is getting achieved through a new architecture, called transformer-based and scale. Indeed, once this new paradigm has been tested, the remaining part of it (beyond a few new minor techniques) was the result of scale! In the last six years, by using more data, in the pre-training phase, more parameters, and by training these models with better data, or for longer, we achieved incredible outcomes! For how long, and what scale can still do, on the current paradigm is very hard to say, but we'll see. In the meantime, the AI industry is already creating new types of jobs that didn't exist before. One example? Prompt engineering; and don't get fooled, as this isn't necessarily a technical role (indeed it requires minimum coding experience for now), it's a type of job, that is more closer to product development, than programming. In fact, my main argument is that, since coding might get - in part, commoditized - via new AI coding assistants, what will matter will be the intersection of technology, product, and distribution, to enable network effects into AI products. How much does a prompt engineer make? According to a job posting this week, it seems anywhere between $250-330K per year!​Are we in an AI Hype Cycle? Yes, we are! I'm aware that we're going through a massive Hype Cycle for AI. Indeed, we'll see what AI will be able to achieve, and what will be its major limitations, as we go along. In the meantime, as business people, it's critical to draw the lines, between being skeptic (understanding limitations, drawback and dangers of AI) vs. being cynic (look at it as if it's all hype, without removing the noise and take the signal in).New conversational search engines are springing up like mushrooms. A first nice release was that of Perplexity AI, a conversational search engine, ChatGPT-like, which though is able to provide sources and references as it generates content on the fly, based on the journey of each user!

Carson Vincent Heady was born in Cape Girardeau, MO, graduated from Southeast Missouri State University and moved to St. Louis in 2001. He has served in sales and leadership across Microsoft, AT&T, Verizon and T-Mobile.   Carson is the best-selling author of the Birth of a Salesman series, the first book of which was published by World Audience Inc. in 2010. He released The Salesman Against the World in 2014, A Salesman Forever in 2016 and Salesman on Fire in 2020. He is also featured in Scott Ingram's B2B Sales Mentors: 20 Stories from 20 Top 1% Sales Professionals.   Carson is a 7-time CEO/President's Club winner across 5 roles at AT&T and Microsoft and National Verizon Rockstar winner. He has been recognized as a top social seller at Microsoft and is consistently ranked in the top 25 sales gurus in the world on Rise Global. He is included among the Top 50 sales authors on LinkedIn.   With over 330K social followers, Carson has also been interviewed on over 30 sales and leadership podcasts, by such luminaries as Jeffrey & Jennifer Gitomer, Jeb Blount, Brandon Bornancin, Sam Dunning, Larry Levine, Darrell Amy, Scott Ingram, Thierry van Herwijnen, Jim Brown, Sam Jacobs, Luigi Prestinenzi, Donald Kelly, Marylou Tyler, George Leith, Pat Helmer, Eric Nelson, Ron Tunick, Jeff Arthur, Mary Ann Samedi, Jean Oursler, Andre Harrell, Marlene Chism, Bill Crespo, Matt Tanguay, Josh Wheeler and Chad Bostick. He has also co-hosted the Smart Biz Show on EG Marketing Radio.   His articles have appeared in several noteworthy publications such as SalesGravy, Smash! Sales, Salesopedia and the Baylor Sports Department S3 Report.   Carson lives in St. Louis, MO, with his wife Amy and daughters Madison, Sidonia and Charlotte.  

Cory & Amanda were swamped with credit card debt, taking on cost after cost simply to keep their heads above water. The rat race was simply swallowing them up, and they needed a way out. By being at the right place at the right time and playing it smart, they were able to do just […]

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The McInerney Report 11-03-22 330k votes were shifted from Dr. Oz to Fetterman, 36k were shifted from Lake to Hobbs The Two Mikes were joined about an hour ago by Lt. General Thomas McInerney (ret'd), who presented a brief report on last night's election results. General McInerney said the election was a repeat of 2020 with widespread vote manipulation by the Democrats and their Chinese paymasters. The general pointed especially to Pennsylvania and Arizona, reporting that 330 thousand votes were shifted from Dr. Oz to Fetterman, and in Arizona about 36,000 were shifted from Kari Lake to Hobbs. This kind of thing, he said, occurred across the country. General McInerney recommended that all losing Republican candidates who believe they were the victims of cheating should ask for an audit and not a recount. A recount merely counts the paper ballots and that includes the ones that were illicitly moved. An audit, on the other hand, examines the computers and voting machines that were programmed to do the switching and which will retain an electronic history of the event. Sponsors CARES Act Stimulus (COVID-19) Employee Retention Tax Credits (ERC): https://www.jornscpa.com/snap/?refid=11454757 Cambridge Credit: https://www.cambridge-credit.org/twomikes/ My Pillow: https://www.mypillow.com/twomikes EMP Shield: https://www.empshield.com/?coupon=twomikes Our Gold Guy: https://www.ourgoldguy.com www.TwoMikes.us

Hour 1 -- the Pierce County pet alligator story, VP Kamala Harris's weird energy and speaking style about electric school buses in Seattle, some good news and bad news about federal taxpayer money for electric school buses, Democratic US Senate candidate can't give specifics for his plan to reduce 4-year university/college tuition, KVI's Lars Larson updates the latest economic/political twist in the WA 3rd District Congressional campaign involving the Democratic candidate. Hour 2 -- Democratic candidates in tight races aren't inviting Pres. Biden to campaign with them, the pathetic hypocrisy of hack TV co-host Jay Behar exemplified in two audio clips just 24 hours apart, Friday Harbor high school student diagnosed with 5lb tumor after in-game injury from awkward tackle, the Congressional Hispanic Caucus won't allow a Republican Latina to join, "bizarre" is not a strong enough word to describe this story about a 'pet' alligator found inside a shipping container in Lakebay WA, a neighbor woman next to the alligator 'owner' sums up what we're all thinking right now, a new story about "white supremacy in math" in public schools, Hour 3 -- multi-state drug bust (17 people arrested, 1000lbs of meth, 330K fentanyl pills, oh, and 43 guns) involving Mexican cartel includes several locations in Puget Sound including a home in Kent and RVs in Seattle, Carlson conclusion: the "biggest obstacle to safer streets, safer neighborhoods" is WA State Sen. Manka Dhingra, GUEST: State Sen. candidate, Ryika Hooshangi (45th Legislative District in Redmond area) is challenging incumbent Sen. Dhingra, how extreme Dhingra's policies are, "real solutions to our problems", Hooshangi cites the police pursuit reform law passed by Dhingra, over 900 drivers according to WSP don't stop for troopers on highways (i.e. this doesn't even count city police or county sheriff attempted stops), Hooshangi cites her 3 priorities for her campaign, Dhingra supported SB 5464 reducing in-class learning by 1 day a week, the only place Dhingra fits in WA politics would be the left wing of the Seattle City Council.

Phantom Electric Ghost Interviews Marcus Norman Biography I consider myself a Serial entrepreneur with a multitude of businesses that I invest my time, energy and heart into. I am hailing all the way from the Caribbean, a small island called St. Croix (Pronounced Saint Croix). Additionally, I served 8 years in the United States Navy where I honed and sharpened my skills at a young age while growing into manhood. A CEO of a Real Estate Investment firm and Property Management company based in Virginia. Started an investment firm that seeks to achieve higher returns for its investors, board members and market partners threw traditional markets and alternative markets foreign and domestic. Located primary in the 757 area and growing. Currently manages $330K in assets under management. I am also a Podcast Host of a show called Gentleman Style Podcast. A show dedicated to the upliftment, encouragement of our men and woman across the globe. We are bringing fresh VIBES

Forget everything you've heard about running a successful campaign. No matter who you are, where you are, or what you do for a living, you can do a successful campaign as long as you check some of the boxes that we talk about in today's podcast! One thing we really hope you'll take away from this show is that this is possible. We are so privileged to have creator Joon Sang Lee speak about how he and his partner attracted over £330k from more than 1500 backers on Kickstarter for their game-changing product, Abacus Series. In this episode of the Crowdfunding Demystified podcast, you're going to discover: How have different marketing tools like Discord helped them build such an engaged community? What is the best way to gauge interest and get people in? And does Joon really wish someone had told him in the beginning?   Sponsor:  Fulfillrite: Kickstarter and crowdfunding reward fulfillment services. They come highly recommended! Download their free shipping and fulfillment checklist.

A new kind of farming could soon be having an impact on the rural landscape - paddocks of solar panels instead of cattle or crops. A UK based company has just been given approval to install about 330,000 energy producing panels on a farm in Waikato. At the same time there has been a huge spike in enquiries from companies wanting to 'grow' more sustainable electricity generation throughout the country - but not everyone's impressed. Sally Wenley reports.

Ready to be schooled in the latest & greatest manifestation hacks, techniques and step-by-step processes? We're breaking it ALL down on today's podcast with Lindsay Rose, The Quantum Blonde! Lindsay is the Queen of manifestation how-tos, and she's certainly earned her title. With over 330K followers on TikTok, Lindsay shares the secrets of manifesting, the law of vibration, metaphysics and more in her easy-to-digest, entertaining yet brilliant and often profound videos. Some of the tips/tricks/techniques you'll learn about today: Lindsay's story of turning her life around when she discovered the LOA The Vacuum Effect & why you need to MAKE SPACE for the things you want to call in The “Magic Box” technique to turning any desire into reality The 2 Cup Method to Manifesting The nature of reality & Law of Vibration Metaphysics, quantum physics… …and so much more! If you love this episode and want to share on IG, take a screenshot and be sure to tag Julia & Lindsay! --------------------------------------------------------------------------------------------------- Connect w/ Lindsay: Instagram: @the.quantum.blonde TikTok: @thequantumblonde Website: thequantumblonde.com ---------------------------- Connect with Julia: Email: julia@dreamyourlifenow.com IG: @dreamyourlifenow Website: www.dreamyourlifenow.com Looking to start or scale your business? Want to incorporate proven business strategy with manifestation techniques & practices that WORK? Work with Julia 1:1 (schedule your clarity call today!) --> HERE

INTRODUCTION:I consider myself a Serial entrepreneur with a multitude of businesses that I invest my time, energy and heart into. I am hailing all the way from the Caribbean, a small island called St. Croix (Pronounced Saint Croix). Additionally, I served 8 years in the United States Navy where I honed and sharpened my skills at a young age while growing into manhood.A CEO a Real Estate Investment firm and Property Management company based in Virginia. Started an investment firm that seeks to achieve higher returns for its investors, board members and market partners threw traditional markets and alternative markets foreign and domestic. Located primary in the 757 area and growing. Currently manages $330K in assets under management.I am also. Podcast Host of a show called Gentleman Style Podcast. A show dedicated to the upliftment, encouragement of our men and woman across the globe. We are bringing fresh VIBES

Want to learn how to make passive income? In this segment, Marcus Norman shares some relevant passive income ideas to survive any recession. Definitely needed to diversify your wealth in order to create financial freedom. See video here - https://youtu.be/vuJq9XscJD8 WHO IS MARCUS? A Serial entrepreneur with a multitude of businesses that I invest my time, energy, and heart into. I am hailing all the way from the Caribbean, a small island called St. Croix (Pronounced Saint Croix). Additionally, I served 8 years in the United States Navy where I honed and sharpened my skills at a young age while growing into manhood. A CEO a Real Estate Investment firm and Property Management company based in Virginia. Started an investment firm that seeks to achieve higher returns for its investors, board members and market partners threw traditional markets and alternative markets foreign and domestic. Located primary in the 757 area and growing. Currently manages $330K in assets under management. I am also. Podcast Host of a show called Gentleman Style Podcast. A show dedicated to the upliftment, encouragement of our men and woman across the globe. We are bringing fresh VIBES

BTS will unsurprisingly score a new #1 this week, as the group's anthology release “Proof” will comfortably reign as America's top-performing album. According to Hits Daily Double, the album should generate 275-300K in total first week US units. Hits estimates that nearly 90% of the activity will come from traditional album sales, implying a figure in the 230-270K range. Should the projections hold, “Proof” would debut with the year's second-biggest sales total (after Harry Styles' “Harry's House” at 330K) and one of the top unit totals (after “Harry's House” at over 521K, and in the same range as Kendrick Lamar's “Mr. Morale & The Big Steppers,” 295K, and Bad Bunny's “Un Verano Sin Ti,” 274K) With time BTS has become one of the most popular K-Pop band in the world. The Army has only made sure the love for them spreads wide and more. This new feat for them is the example of their mass popularity. The anthology album had sold a total of 2.15 million copies as of 11 p.m. Friday, just 10 hours after it became available in the market, according to Hanteo Chart, a South Korean music chart, news agency Yonhap reported. source: https://www.koimoi.com/hollywood-news/bts-craze-is-unparalleled-their-new-album-proof-sells-over-2-million-copies-in-just-a-day/ https://headlineplanet.com/home/2022/06/11/bts-proof-projected-for-1-with-275-300k-total-us-units-big-sales-total/ --- Support this podcast: https://anchor.fm/masseffect/support

330K social media followers & counting…far too often we shy away from putting ourselves out there for fear of what others might think. In today's episode, I chat with Kristy Campbell  about how practice, showing up and just doing it, “makes perfect” & creates an epic brand with a cult following in the process. Full show notes at: https://socialsoul.com.au/podcast/ I'D LOVE US TO CONNECT: • Download my FREE e-book: The Ultimate Guide to Building a 6 Figure Business through Instagram www.socialsoul.com.au/ultimateguide • Instagram: @socialsoulmedia (https://www.instagram.com/socialsoulmedia/) • Facebook: /socialsoulmedia (https://www.facebook.com/socialsoulmedia/) • Website: socialsoul.com.au

Last time Nils Vinje was with us, he'd generated over $100,000 revenue in just nine months. That's become $330K since, and he's back to tell how.

It's pretty safe to say most people know the more money you make each year the more the banks should lend you, but how much does the way you spend your money affect how much you can borrow?   Quite a lot actually, and we mean A LOT...   Just to be clear we're not referring to people that make $100k each year and blow it all at the casino, obviously the banks aren't going to lend you much, if anything, in that situation.   This episode is all about household expenses that can be pretty normal and easy to overlook, but have a massive effect on how much you're able to borrow and possibly invest into property.   To explain how this works we've got expert mortgage broker Chris Bates on board to walk us through two hypothetical scenarios ( couple Jayden and Jenny ) and (Single Sean) Chris will help open up how removing each of the 4 most common expenses from Sean and Jayden & Jenny's budgets can not only make them more desirable in the eyes of the bank, but also drastically change the amount of money our hypothetical people can borrow and invest.   This episode will change the way you look at simple expenses forever!   Chat in more detail with Chris and his team: https://www.wealthful.com.au/   Join Todd Sloan each week, to pick the brains of a different industry leader to bring you the best property content in the country.   Want more help understanding how to buy property faster and for less? Get your copy of Todd Sloan's book today: Booktopia: https://www.booktopia.com.au/australia-s-home-buying-guide-todd-sloan/book/9780648980490.html?source=pla&zsrc=go-nz-allstock&gclid=Cj0KCQjwnJaKBhDgARIsAHmvz6f55Kw-l0pKCn0DMNj0TND2qN863sQQR56p98sXAjOUgBQSpwDDQ0waAtLsEALw_wcB Dymocks: https://www.dymocks.com.au/book/australias-home-buying-guide-by-todd-sloan-9780648980490?gclid=Cj0KCQjwnJaKBhDgARIsAHmvz6etuq25nQ2CSirN8z-UHAIshbp5MxeuD7ECMvs5Oghg2Pab34Fyl0QaAuQhEALw_wcB   YouTube Pizza & Property: https://www.youtube.com/channel/UCgXX6ibW7WEFbWkf-jslDvQ?view_as=subscriber Facebook Pizza & Property: https://www.facebook.com/Pizza-and-Property-2111096335696398/?modal=admin_todo_tour ASK YOUR LISTENER QUESTION BY VISITING THE WEBSITE BELOW  Website:  https://www.pizzaandproperty.com/ Disclaimer: All discussions are general in nature and should never be considered financial advice, please seek your own professional financial advice. The content displayed on the website, podcast and blog is the intellectual property of the Pizza and Property. You may not reuse, republish, or reprint such content without our written consent.

Adam Sommer gives and Opening Statement connecting the "Death Tax" to "School Choice" Rachel Parker and Sean Diller join Adam for a Talkin' Politics session, covering:True Or False (6-7):Normcore Republicans Will Change The Trajectory of 2022 midterms? In Missouri - multiple candidates rejected for being just the absolute worstGOP rejected filing fees from Rep. Derges - the fake sure doctor and https://www.ky3.com/2022/02/23/missouri-gop-rejects-filing-fee-indicted-state-rep-tricia-derges/?utm_source=twitter&utm_medium=Social&utm_campaign=snd&utm_content=kytvGOP rejected filing fees from Steve West https://www.8newsnow.com/news/missouri-gop-rejects-filing-fee-of-candidate-who-once-said-hitler-was-right/https://twitter.com/Adam_Sommer85/status/1500193806989340672?s=20&t=3M1Ifcr_52sF6fBZqhG3pgNational scene more of the same? Yeah…No…(3min) Vicky's twitter suspension for attacking trans people - Buy or Sell (7-9) People still remember literally ANYTHING about the State of the union as of when this show comes out, Monday the 7th - less than a week laterPolicy v. Political theaterBoebert shows her assMost salient and clear message was the US resolve against RussiaThe Big One (16-18) - 34 Senate Seats are up for election in 2022 Useful link you can hover the state and it gives you information on the seat and it's 2016 and 2020 margins https://ballotpedia.org/United_States_Senate_elections,_2022#Seats_up_for_electionSome races are obvious and easy to predict, no reason to spend lots of time wondering if Rand Paul will be reelected in Kentucky or if Mike Lee will be reelected in Utah - feel pretty comfy saying Alex Padilla will be reelected in CaliforniaCook political report has 5 of those as toss upshttps://www.cookpolitical.com/ratings/senate-race-ratingsPenn R - OpenWisc R- Ron JohnsonArizona D - KellyNevada D - Cortez MastoGeorgia D - Warnock 4 seats are in the leaning columnFlorida R - RubioOhio - openNorth Carolina - openNew Hampshire D - HassanReal Clear Politics has a broader map including Missouri as a “leans R” seat and wit 7 in the toss up and 5 more in the leaning - 3 more potentialshttps://www.realclearpolitics.com/epolls/2022/senate/elections-map.htmlSabatos Cyrstal Ball - my favorite of the Crystal Ballhttps://centerforpolitics.org/crystalball/2022-senate/Penn - Georgia - Arizona - Nevada - that's it for toss upsOther seats in the Midwest no one is talking about but us: Kansas - Held by incumbent Jerry Moran Oklahoma IowaPenn R - Open - 12 Democrats - 16 Republicans - including Dr. Mehmet Oz - whose campaign slogan is ‘scrubs on, masks off!'Conor Lamb - D - $4MM raised, $3MM cash, $0 debtDr. Oz - R - $5.8MM raised, $1MM cash, $5MM debt - my understanding is he loaned 5 million dollars of his own money to his campaignDavid Xu Redneck - R - $1,700 raised, all from David except $50 - $1200 cash, no debtCarla Sands - R - $4MM raised, 3.6 was hers, $1.5MM cashEric Orts - D - $244,000 raised, $1700 cash, no debtCraig Snyder - $38KVal Arkoosh - D - $2.8MM raised, $1.2 cash, $500K loanDr. Kevin Baumlin - D - $600K raisedSharif Street - D - $400K raisedMalcolm Pac - D - $1.5MM raised, $285K cash, no debt Jeff Bartos - R - $3.3MM raised, $2.4 cash, $1.2 loans John Fetterman - D - $11.9MM raised, $5.3 cash, no debtKathy Barnett - R - $1.2MM raised, $565K cash, $158K debt Americans for Parnell - $2MM raised, $330K cash, $73K debtCitizens for Josh Mandel - $2MM raised, $6MM cash, no debt https://heartlandpod.com/Twitter: @TheHeartlandPOD

Adam Sommer gives and Opening Statement connecting the "Death Tax" to "School Choice" Rachel Parker and Sean Diller join Adam for a Talkin' Politics session, covering:True Or False (6-7):Normcore Republicans Will Change The Trajectory of 2022 midterms? In Missouri - multiple candidates rejected for being just the absolute worstGOP rejected filing fees from Rep. Derges - the fake sure doctor and https://www.ky3.com/2022/02/23/missouri-gop-rejects-filing-fee-indicted-state-rep-tricia-derges/?utm_source=twitter&utm_medium=Social&utm_campaign=snd&utm_content=kytvGOP rejected filing fees from Steve West https://www.8newsnow.com/news/missouri-gop-rejects-filing-fee-of-candidate-who-once-said-hitler-was-right/https://twitter.com/Adam_Sommer85/status/1500193806989340672?s=20&t=3M1Ifcr_52sF6fBZqhG3pgNational scene more of the same? Yeah…No…(3min) Vicky's twitter suspension for attacking trans people - Buy or Sell (7-9) People still remember literally ANYTHING about the State of the union as of when this show comes out, Monday the 7th - less than a week laterPolicy v. Political theaterBoebert shows her assMost salient and clear message was the US resolve against RussiaThe Big One (16-18) - 34 Senate Seats are up for election in 2022 Useful link you can hover the state and it gives you information on the seat and it's 2016 and 2020 margins https://ballotpedia.org/United_States_Senate_elections,_2022#Seats_up_for_electionSome races are obvious and easy to predict, no reason to spend lots of time wondering if Rand Paul will be reelected in Kentucky or if Mike Lee will be reelected in Utah - feel pretty comfy saying Alex Padilla will be reelected in CaliforniaCook political report has 5 of those as toss upshttps://www.cookpolitical.com/ratings/senate-race-ratingsPenn R - OpenWisc R- Ron JohnsonArizona D - KellyNevada D - Cortez MastoGeorgia D - Warnock 4 seats are in the leaning columnFlorida R - RubioOhio - openNorth Carolina - openNew Hampshire D - HassanReal Clear Politics has a broader map including Missouri as a “leans R” seat and wit 7 in the toss up and 5 more in the leaning - 3 more potentialshttps://www.realclearpolitics.com/epolls/2022/senate/elections-map.htmlSabatos Cyrstal Ball - my favorite of the Crystal Ballhttps://centerforpolitics.org/crystalball/2022-senate/Penn - Georgia - Arizona - Nevada - that's it for toss upsOther seats in the Midwest no one is talking about but us: Kansas - Held by incumbent Jerry Moran Oklahoma IowaPenn R - Open - 12 Democrats - 16 Republicans - including Dr. Mehmet Oz - whose campaign slogan is ‘scrubs on, masks off!'Conor Lamb - D - $4MM raised, $3MM cash, $0 debtDr. Oz - R - $5.8MM raised, $1MM cash, $5MM debt - my understanding is he loaned 5 million dollars of his own money to his campaignDavid Xu Redneck - R - $1,700 raised, all from David except $50 - $1200 cash, no debtCarla Sands - R - $4MM raised, 3.6 was hers, $1.5MM cashEric Orts - D - $244,000 raised, $1700 cash, no debtCraig Snyder - $38KVal Arkoosh - D - $2.8MM raised, $1.2 cash, $500K loanDr. Kevin Baumlin - D - $600K raisedSharif Street - D - $400K raisedMalcolm Pac - D - $1.5MM raised, $285K cash, no debt Jeff Bartos - R - $3.3MM raised, $2.4 cash, $1.2 loans John Fetterman - D - $11.9MM raised, $5.3 cash, no debtKathy Barnett - R - $1.2MM raised, $565K cash, $158K debt Americans for Parnell - $2MM raised, $330K cash, $73K debtCitizens for Josh Mandel - $2MM raised, $6MM cash, no debt https://heartlandpod.com/Twitter: @TheHeartlandPOD"Change The Conversation"

My Brother and I Jah-Malie Douglas break down and discuss some of our favorite ways to invest our finances with some traditional and non traditional investment and saving vehicles. We even talk Credit Repair. Tune in This is a unique episode of this podcast because today we will be discussing how to learn to invest in different ideas to earn a passive income. This is unique because my brother and I myself will be the guest and host today. We share the knowledge about personal finance and our experience in the field of learn to invest for a passive income. We both have a plethora of experience and smarty action for building your personal finance. We will also brief about some of the apps and products that one should use to manage his/her personal finance to build a passive income. Some background on your hosts Jah-malie Douglas: I'm a married father of 3, two girls (both teens/tweens), and my stepson is 22. I work as a service technician for a big industrial equipment rental company. I did 4 years enlisted in the navy. I was stationed on the USS John F Kennedy, a retired aircraft carrier out of Mayport, Florida. I have bounced around the country from Alaska to El Paso with my wife that is at 19 years in the army since I got out. We're currently back in Ft. Benning where we bought our very first home back in 2008 and first Real Estate Land deal in 2020.   Marcus Norman: I consider myself a Serial entrepreneur with a multitude of businesses that I invest my time, energy, and heart into. I am hailing all the way from the Caribbean, a small island called St. Croix (Pronounced Saint Croix). Additionally, I served 8 years in the United States Navy where I honed and sharpened my skills at a young age while growing into manhood. A CEO of a Real Estate Investment firm and Property Management company based in Virginia. Started an investment firm that seeks to achieve higher returns for its investors, board members, and market partners through traditional markets and alternative markets foreign and domestic. Located primarily in the 757 area and growing. Currently manages $330K in assets under management. I am also. Podcast Host of a show called Gentleman Style Podcast. A show dedicated to the upliftment, encouragement of our men and woman across the globe. We are bringing fresh VIBES

Andrew Taylor sits down with Keith Laferriere, who came from making $330K a year with a construction company and was introduced to Family First Life through a friend in January 2021. He had zero life insurance experience but worked hard and has since written $40K per month for the last 3 months. He even issued over $50K in August. He is excited to be a part of FFL Extraordinary as he works to build an agency of his own.Keith also overcame drug addiction and has since been clean for 14 years! His courageous story of determination and willpower is beyond inspiring.

Your weekly source for locksport news and sometimes interviews. Full show notes, including links, can be found at http://www.thelocksportscast.com  In this week’s episode: Bosnian Bill Retires Safe Cracking on Netflix? Blackbag reviews Little Black Book of Lockpicking Washington's safe-cracking star Copying the uncopyable stealth key Is BEST A = Schlage D? Conan Tries To Get A Fan To Teach Him How To Pick Locks An Anti Angle Grinder Bike Lock Speedlocks Tournament update Two more black belts Meetups The ShellCon LPV schedule Sales Giveaways And more Announcements: Newpodcastapps.com Corrections: News: Book review: Little Black Book of Lockpicking « Toool's Blackbag Army of Thieves gets global Netflix release date When it comes to cracking safes, this Camas man is a star Safecracker: A Chronicle of the Coolest Job in the World  Community News: [1365] Goodbye to BosnianBill… Fish Picks Copying the uncopyable stealth key - mixed results: lockpicking Picking Brummie's Corbin Videos: The BEST Secret PJ Didn't Even Know...Do You?? Why Is There No Schlage "D" Keyway? [#SchlageWeek Day 4] Conan Tries To Get A Fan To Teach Him How To Pick Locks Meetups: https://shellcon.io/ https://saintcon.org/ https://www.locksmiths.co.uk/mla-expo/ https://lock.camp/  Products: Hiplok D1000: Anti Angle Grinder Bike Lock by Hiplok Team — Kickstarter  This Material Is Nearly Uncuttable  LPU Karate Belts: beltranking - lockpicking (reddit.com)  Mentorship Monday 3: The Belt System  2: Breaking Rules and Getting the Belt  All About The Lockpicking Belt Rankings System  Speedlocks: Speedlocks.org  Locksmith Story: Strange Lock Story: Criminals: WANTED: Suspect stole $16,000 worth of car keys from Memphis locksmith Police arrest 4 in connection with theft of high-end vehicles worth $330K Sales: https://www.thinkpeterson.com/ 20% off $50 or more code L8770022R https://www.3dlocksport.com/ 10% off. CODE: LSCAST10 https://makolocks.com/ 15% off with code BUYMAKO Unknown exp https://uklockpickers.co.uk/ 10% off with code GIFT Giveaways and Contests: CLK Supplies  Introducing #Lockboss Free Giveaway! Do you work with Locks & Keys or do Locksmithing?  The Lock Sportscast  https://www.thelocksportscast.com/p/paclock-a-month-giveaway/ Executive Producer:  Founding Executive Producers: m3ddl3r Panda-Frog Michael Gilchrist Starrylock WilliamsBrain  Dave 2BDCy4D Pat from Uncensored Tactical  PHpicker  threeraccoonsinacoat  Chirael Associate Executive Producers: Patty--cakes DoctorHogmaster Clayton Howard (Kewltune) Co-Producers: m0g Jon Lock Ratyoke MrPickur CrankyLockPicker RealTaiter JHPpicking Chief Content Producer: I fisk Content Producers: Chirael GilliGainz Good Guy @BandEAtoZ Holly Jeff and things Jeff moss JimyLongs Joshua Gonzalez Lowel Forbes maxval Michael Gilchrist Panda-Frog Tony Virelli Special thanks to: Contact Information: Email: podcast@thelocksportscast.com Twitter https://twitter.com/charlescurrent  Reddit: currentc57 on r/locksport Discord: Lockpickers United as Current, Extraordinary League of Pickers as Current, The Lock Sportscast as Current Join the Discord at http://discord.thelocksportscast.com Donate: http://paypal.thelocksportscast.com https://patreon.com/thelocksportscast Lock Sportscast Clips The Lock Sportscast on Odysee My Monthly Giveaway Rules: I’m giving away one of my custom PacLock 100A padlocks or a gift card every month.  To be entered, you must: 1.Provide me with locksport or locksport community news that I can use on my weekly podcast. -Submit your news via one of the following: +Email: podcast@thelocksportscast.com +Reddit: currentc57 on r/locksport +Discord: You can find me on the following servers as “Current” ~Lockpickers United  ~Extraordinary League of Pickers  ~CBC -You will receive 1 entry for each news item I use in the podcast that month. 2.Share the podcast on social media -Make sure I know about it by tagging me and/or emailing me a screenshot or other proof. The winner will be drawn and announced the following month. The winner will have 1 week to contact me to claim the prize. I will pay for shipping within the U.S. If you live outside the U.S., you can still enter, but must pay to ship if you win. I reserve the right to change these rules as I need to during the course of the year. I reserve the right to disqualify anyone for any reason. My decisions are final. This giveaway is a thank you to the subscribers that watch my videos, listen to my podcast, and help me produce it. YouTube, Fireside.fm, PacLock and other entities are in no way partners to this contest, and all applicants agree to release them from any and all liability related to this contest. Personal data collected as a part of this contest will be used only for the purposes of this contest and will not be released to third parties. Any entries that violate YouTube's community guidelines will be disqualified: http://www.youtube.com/t/community_guidelines 

(0:40) - We have been in a bull market for quite some time now, and yet many investors have serious fears and remain bearish. Why is there so much negativity towards this market?(15:59) - Weekly jobless claims came in at 310K vs. expectations of around 330K. After reaching a new pandemic low, should we expect to see this downward trend continue?(27:05) - The White House has unveiled a plan to drastically reduce the cost of prescription drug prices, but based on history, the Biden Administration is heading down a dead end.(33:55) - The U.S. has pledged $562 billion towards ramping up solar power over the next 30 years. The goal is to have 45% of all electricity in the country come from solar power.

Former Corporate Communications Specialist Sally Prosser now has a TikTok channel with 330K followers and closing on 4 million likes. We talk about… Is Covid Making Some Journalists Walk Away Introverts or Extroverts. Who are The Best Video Presenters Professional Content Does Work on TikTok Get Your Motives Clear When Making TikTok Videos How Many Seconds To Grab Attention on TikTok Use TikTok Videos as a Tool To Refine Your Message What Are the Perfect First Words For TikTok Videos Why Perfection Doesn't Work on TikTok Dealing With Haters On TikTok Videos Being a Journalist Toughens You Up For TikTok Videos Can a Large Organisation Make TikTok Videos Authenticity is Non-Negotiable on Videos How To Feel Comfortable In Front of a Video Camera Why Making Corporate Videos Can Feel Wrong How To Get People to Act Naturally On Videos What Are the Right or Wrong Things To Say On Video You Don't Have To Extroverted To Be Good On Camera What works on TikTok? What doesn't work on TikTok? You can connect with Sally at her website https://www.sallyprosser.com.au/ on TikTok https://www.tiktok.com/@sallyprosservoice and on Linkedin https://www.linkedin.com/in/sally-prosser/

Carson Heady, our guest of the episode, is best-selling author "Birth of a Salesman" series, consistently ranked in Top 20 Sales Gurus in the world. Ranked in the Top 50 Sales Authors on LinkedIn. 330K social followers, Top Microsoft Social Seller, #1 in 9 senior leadership and sales roles across 4 companies including Microsoft and AT&T. 8-time CEO/Platinum Club/Gold Club/President's Club Winner. Radio Host. Marketer of events and webinars. Director at Microsoft. Gallup StrengthsFinder Top 5: Strategic, Achiever, Competition, Maximizer, Input. Published author: “Birth of a Salesman” (World Audience Inc. 2010), "The Salesman Against the World" (2014), "A Salesman Forever" (2016) and "Salesman on Fire" (2020). Extensive experience in operations & regional sales leadership, strategic planning, motivational management, budget preparation, training & development, recruiting, interviewing, staffing, hiring, crafting policies & procedures, written & oral communications, presentations, public motivational speaking, P&L, advertising & marketing. Top-performer with track record of consistently exceeding goals in leading departments/divisions as well as individual performance. Extensive call center, retail multi-unit, B2B leadership and direct sales experience leading 1st, 2nd and 3rd line management. Recognized for starting and leading $50+ million annual operation. AT&T President's Club (top 5% of performers) all 6 years eligible. Microsoft Gold Club Winner. 3 years as top performer in role. Well-versed in optimizing social media campaigns through LinkedIn, Twitter, Facebook & YouTube. Yahoo and Google AdWord certified. 300K Twitter followers (#5 in St. Louis), 21K LinkedIn, 2.5K YouTube. Published in numerous sales publications, served as radio host and have been interviewed on radio, podcast and TV.

(0:40) - The ADP released their jobs report this morning, which revealed 330K private sector jobs added in July vs. expectations of 653K. Barry and Paul run through the report and discuss why these numbers should be taken with a grain of salt.(12:06) - Spirit and American airlines are canceling numerous flights for the third straight day due to a number of factors. On a related note, how badly will airlines be hurt if business travel takes a long time to return?(22:23) - Estate planning attorney Todd Lutsky of Cushing & Dolan joined the show for another edition of "Ask Todd".

Solo Agent Terri Chase sold 36 homes last year by repeat and referrals from her friends, family, and past clients that brought in 330k in GCI.  She shares who is on her “list”, her annual marketing plan, and sample marketing. Terri is with HomeSmart in Prescott Arizona who sold a total of 65 homes last […]

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Photo: No known restrictions on publication.CBS Eye on the World with John BatchelorCBS Audio Network@Batchelorshow#SmallBusinessAmerica; Lots of small business, not enough workers. @GeneMarks  @GeneMarks @Guardian @PhillyInquirerADP: small businesses added 330K new jobshttps://adpemploymentreport.com/Nearly Half of Small Businesses Unable to Fill Job Openings https://www.nfib.com/foundations/research-center/monthly-reports/jobs-report/ Warehouses Look to Robots to Fill Labor Gaps, Speed Deliverieshttps://www.wsj.com/articles/warehouses-look-to-robots-to-fill-labor-gaps-speed-deliveries-11621878163?mod=mhpUber and Lyft rides are pricier due to a lack of drivers (and the waits are longer, too)https://www.engadget.com/uber-lyft-surge-pricing-lack-of-drivers-035835230.html?guccounter=1Why This Summer's Supply Chain and Labor Issues Are Bad News…For Republicans(attached - it's pubbing on The Hill later today)ISM Services: May All-Time Highhttps://www.advisorperspectives.com/dshort/updates/2021/06/03/ism-services-may-all-time-highPeople age 55+ make up 21% of the U.S. population, but own a disproportionately high 50.9% of U.S. small businesses, according to new survey data from 3,000 entrepreneurs published by SCORE, mentors to America's small businesses.https://www.prnewswire.com/news-releases/older-entrepreneurs-own-half-of-us-small-businesses-bootstrap-with-personal-savings-credit-cards-and-retirement-funds-301305324.html .

With us today is a special guest, Marcus Norman, the host of GentleMan Style Podcast and CEO of a real estate investment firm and Property Management company based in Virginia. Marcus started an investment firm that seeks to achieve higher returns for its investors, board members, and market partners through traditional markets and alternative markets foreign and domestic. Located primarily in the 757 area code and growing. Currently manages $330K in assets under management. Check out this episode to learn more about: What banks do? How to figure out your financial goals? What type of investor are you? Active or Passive? How much should you have in cash reserves (how to figure this out)? Connect with Marcus Norman: https://www.youtube.com/channel/UC6WEsw7y8V_OpSCndGMKC1g https://podcasts.apple.com/us/podcast/gentleman-style-podcast-god-family-finance-self/id1205759620 marcus@gentlemanstylepodcast.com To learn more about applying the Bank On Yourself ® strategy to meet your financial goals, visit finassetprotection.com Schedule a free 15-minute call with us here: https://calendly.com/financialservicesins

She robbed a bank but bounced back & launched in 700 stores with $300k in funding. I first met Chantel when she applied to the Get Sh!t Done Accelerator. I was blown away by her. I'll joke and tell her she's like the real-life Set if Off without all of the drama but what she's accomplished is SOOO much bigger. Chantel's story resonated strongly with me because my grandmother spent her entire career ensuring Black Youth stayed out of prison and for those who did go, ensured they had opportunities when they got out. The Black community is so often criminalized by the media without acknowledging the systems that backs us into a corner and tries to keep us there. Chantel didn't just rob a bank, she defied a system that was created to keep us stuck. On this Queen of the week, Chantel, a Queen in the Get Sh!t Done Tribe, will walk you through… How she moved to New York with just a prototype and $150 then launched in stores like Walmart, Target, etc. How she moved through doubt from people who defined her by her past. What doesn't work when you are trying to gain traction. How she was able to reframe her mistake to become a thriving entrepreneur. And more.. Here's how you can support Chantel: She's raising $100,000 on Fund Black Founders. Become a backer and share campaign https://www.fundblackfounders.com/rhymeantics Subscribe & Rate Now. #getsshitdonepodcast Learn More About the Get Sh!t Done: shegetsshitdone.com Have feedback, a show topic you want us to cover, or just want to say hi: tribe@shegetsshitdone.com

This doctor knew from the beginning she wanted to go for PSLF and worked the system accordingly. Put in the effort to understand this program and it will work for you. She had $330K in federal student loans forgiven. We discuss the mistakes she made and the lessons she learned in this episode to help those of you on this ten year journey to find success at the end. As you are working toward loan forgiveness make sure you are using the correct retirement accounts https://www.whitecoatinvestor.com/roth-vs-traditional-pslf/. If you still have private student loans at a high rate, we recommend checking out Student Loan refinancing with Splash Financial. Refinancing with Splash can save you a lot of money with rates at historic lows. Splash also offers special refinancing to residents and fellows AND a cash bonus for eligible White Coat listeners. Go to splashfinancial.com/whitecoat today to see how much you can save. The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs for specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor channel is for you! Subscribe Here: https://www.whitecoatinvestor.com/youtube Be a Guest on The Milestones to Millionaire Podcast: https://www.whitecoatinvestor.com/milestones Main Website: https://www.whitecoatinvestor.com Student Loan Advice: https://studentloanadvice.com Facebook: https://www.facebook.com/thewhitecoatinvestor Twitter: https://twitter.com/WCInvestor Instagram: https://www.instagram.com/thewhitecoatinvestor Subreddit: https://www.reddit.com/r/whitecoatinvestor Online Courses: https://whitecoatinvestor.teachable.com Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter

Are you a non traditional med student and think you’ll never be free of those loans? Think again. This psychiatrist finished training at 50 years old and had her loans paid off 3.5 years later. She took the WCI advice to live like a resident to heart. She sees debt as a great evil that keeps people down and is now so relieved to have it gone. See this advice for how to live like a resident https://www.whitecoatinvestor.com/live-like-a-resident/ This episode was brought to you by Laurel Road. At Laurel Road, we’ve always been committed to serving the financial needs of doctors, and we’re taking that commitment to the next level with a special announcement today on National Doctors' Day. For more information on this exciting initiative for doctors, please visit www.LaurelRoad.com. Laurel Road is a brand of KeyBank N.A. Member FDIC and Equal Housing Lender. NMLS # 399797

Carson Heady is the Best-Selling Author "Birth of a Salesman" series, consistently ranked in Top 20 Sales Gurus in the world. Ranked in the Top 50 Sales Authors on LinkedIn. 330K social followers, Top Microsoft Social Seller, #1 in 9 senior leadership and sales roles across 4 companies including Microsoft and AT&T. 7-time CEO/Gold Club/President's Club Winner. Radio Host. Podcast Guest. Marketer of events and webinars.You can learn more and connect with Carson Heady on LinkedIn at https://www.linkedin.com/in/carsonvheady/. You can also get a copy of his books below on Amazon or Barnes and Noble.Books:Birth of A SalesmanThe Salesman Against the WorldA Salesman ForeverSalesman on FireIf you’re listening to the Sales Hustle podcast, please subscribe, share, and we’re listening for your feedback. If you are a sales professional looking to take your sales career to the next level, please visit us at https://salescast.co/ and set a time with Collin and co-founder Chris.Join Our Sales Motivational SMS list by texting Hustle at 424-378-6966. Please make sure to rate and review the show on Apple.

Silver Fern Farms has been fined more than $330,000 over an ammonia leak at its Hawera plant that was potentially lethal to its staff, emergency services personnel and nearby residents. The February 2020 leak is also being described as likely the worst single-point freshwater pollution event - in terms of fish killed - in New Zealand history. Our Taranaki Whanganui reporter Robin Martin was in the Environment Court at Hawera for the sentencing.

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29 If you watch some of those home improvement shows you might be tempted to think that flipping houses is easy and profitable and you’d be half right half the time.The truth is flipping a house isnever easy and it’s only profitable if you manage to do it right. Today, Kingdom Advisors President Rob West has a list of reasons a house flip can go wrong just in case you’re tempted to try it. Then it’s your calls at 800-525-7000. Theoverall reason people lose money on flips is a lack of understanding of all the reasons that can go wrong. The first one isminimizing the potential to lose money. House flipping is a form of real estate investing and a high risk one at that. You see people making 10 or even 20-percent profit on TV with a flip. Even if you intend to do a lot of the work yourself a flip is still expensive and especially now with our current home building boom. Material prices are up.Then there’s the holding part of the process. One thing thatis real on those TV shows is the scramble to get the rehab completed and on the market. That’s because, unless you bought with cash, you’re paying closing costs and an extra mortgage payment every month you hold the property. The only way you can avoid that time/money pressure is if youlive in the house while you’re doing the rehab. That way you’re only making one mortgage payment. There’s one more thing related to money that can go wrong with a house flip, and that’s a higher tax bill.Since it’s probably not your primary residence, you’ll have to pay capital gains on that profit. You’ll have to pay taxes at the short term capital gains rates, which, unlike a typical long term rate of 15-percent you’ll probably end up paying 22, 24, or even 32-percent in taxes. You may plan on having professional contractors come in for things like electrical and plumbing, but that still leaves a lot of work. Flipping houses generally requires long days of hard manual labor. Then there’s the emotional toll. A lot of stress comes with flipping a house, and it can cause strain in a marriage, especially if one spouse had doubts going in. There’s a high probability of I wish we hadn’ts and I told you so’s. Some people do make money flipping houses. They tend to be knowledgeable about the local real estate market, often they have a realtor’s license, and they’re good at estimating time and costs for all aspects of a project,and they have considerable construction skills. Here are a couple of questions we answered from our callers on today’s program: My husband and I are completely debt free except for our farm. We have a 401K with 330K and another pension and social security., He is 10 years out from retirement. Would it be wise to withdraw money and pay off our farm? I withdrew 100K from my 401K when I changed jobs. I invested it in the stock market and it is doing well. Should I roll it back into a 401K or leave it where it is? I am 59 years old and am a nurse with a desk job. I have a lot of medical issues because of this. I would like to get a different job that enables me to move around. How will this play into my benefits for retirement? Ask your questions at (800) 525-7000 or email them toQuestions@MoneyWise.org. Visit our website atMoneyWise.orgwhere you can connect with a MoneyWise Coach, purchase books, and even download free, helpful resources like the MoneyWise app. Like and Follow us on Facebook atMoneyWise Mediafor videos and the very latest discussion!Remember that it’s your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.

Dave and Chuck the Freak talk about horrible TV shows significant others force us to watch, hackers that got into a city’s water supply, some details on the streaker from the SuperBowl, a new Britney Spears documentary has caused backlash towards Diane Sawyer, the viral Gorilla Glue Girl is planning to sue, dentists can tell that you perform oral on men, people who have started a dirty side hustle during the pandemic, somewhere more than a dozen human feet in shoes have washed on shore, a Thai fisherman that found a rare orange pearl worth $330K, a driver that slid off a freeway entrance ramp and survived falling 70 feet, your grandparents are getting dirty with sex toys this Valentine’s Day, and more!

Sandy Lin started her first business, Wrooof, at 19 with a love of dogs, a passion for hard work, and a dream to live life on her terms. Ever since, she has been determined to help other young people do the same. In May 2020, she hopped on TikTok to share her entrepreneurial journey, business knowledge, and marketing tips, and she gained an amazing community of 330K followers on the platform. Currently, Sandy is building an E-learning platform for young entrepreneurs to learn everything about business from experts, connect with like-minded entrepreneurs, and grow together in a safe environment. Sandy joins the show to discuss utilizing TikTok for your business and personal brand, effective social media marketing, challenges millennials are facing professionally, and advice to entrepreneurs starting their first business.  

Taxpayers have had to stump up more than $330,000 on a legal dispute sparked by Parliament's Speaker Trevor Mallard falsely accusing a staffer of rape. Both the National and ACT parties say it's time for Mr Mallard to step down - saying he's no longer fit for the job. Here's RNZ deputy political editor Craig McCulloch.

Here’s our sneak peak of this week's Red Card segment. Have you been given an initial estimate and received a completely different number shortly after? We dive into a real life scenario with a doctor that is interested in a 3,000 sf space. The doctor received a preliminary estimate of $330K, however, once the drawings were completed, the actual price came out to $480K. We share how we would handle the scenario and our expert recommendation to avoid a similar situation.

Tom has a net worth of 800K. He was the oldest of 13 children and now has eight kids of his own; his wife does not work outside the home. He is 39 years old, has two rental properties (single family homes worth 330K and 530K) and about 220K in retirement accounts. He currently lives overseas in Japan and shares how he was able to successfully save and invest while having a large family and living on a single income. Email us at - millionairesunveiled@gmail.com Website - www.millionairesunveiled.com Twitter - @Mill_Unveiled

$330,000 in 14 months is not what you think. In this episode, I share the real reason why this has become my new normal. It's not marketing, sales, or niching. It's standards. Tune in, and let me explain Links: Email janelle@janellelara.com

Segment 3The Quest for Main Level Living and How to Find Those HomesWhat is defined as main level living and how to home buyers find them?●What is fun about working with buyers is that they all have different wants and needs in a home.●Lately, I have noticed with my clientele that there is a growing demand for people to move into a home that has few if any stairs and more easy-care homes with main level living.●People entering into the retirement years typically want main level living but enough space to entertain family or grandkids.●Main level living is defined as: ○Few if any stairs○1, preferably 2 bedrooms on the main level○Laundry on the main level and○Homes that do not require a ton of maintenance○Some have basements, some do not○Some the HOA takes care of the yard, exterior snow removal, trash removal, some do not.○Some are attached to other homes called “Paired Patio Homes”. Those are homes attached by 1 wall, typically the garage wall.What Can a Home Buyer Expect to Pay for a Home with Main Level Living?1. Ranch style SFA home: Range from $330K - $440 and up!2. Typically in the low $400s, you can find about 1500 on main and same in the basement, newer and very nice homes. Some are Brand New. Classic has New Development in Indigo Ranch that has smaller homes that run about 1500 SF with 2 car garage for about $375K all upgraded!You are listening to the Real Estate Voice with myself Barb Schlinker of Your Home Sold Guaranteed Realty, you can reach me at 719 301 3900 We are talking about the Finding Homes that Have Main Level Living, are these homes ready now?Most of the new construction homes will not be ready for 3-6 months. But that gives you time to get your home sold.●Here is the Catch 22●If you HAVE to sell your home BEFORE you buy, most builders require that your home be under contract when the home is started to get framed.●What I find is many of the people looking to downsize are NOT in that situation.○They can buy their new home FIRST○Then sell their home at their leisure.○In this hot market that is a good situation●No one likes to have to move into storage and then into a home, but sometimes, it’s the best way to get what you want.●There are many apartments out there that offer short term rentals. This gives you more options and a less stressful moving experience.●We have stagers that can help guide you on what to store away, how to repurpose things you will not need in your new home, and what to do an what not to do to get your home ready for sale.●Also, if you think you are moving later in the year and want to talk to us about getting your house ready to sell. We can do that as well as take photos of the outside and yard while it's green and in full bloom to make it look great for when you do go on the market. Curb appeal is a big draw for buyers. You are listening to the Real Estate Voice with Barb Schlinker of Your Home Sold Guaranteed Realty, if you are thinking of making a move Barb at 719 301 3900 or visit BarbHasTheBuyers.comWhen we come back we will be discussing: Why CURB APPEAL is SO IMPORTANT, YOUR Upcoming Webinar on How to Sell a Home and Some Hot New Listings Coming up!

Lauren Fitzgerald is a board-certified anesthesiologist who chose to leave job security to pursue her true passion: help others change their health, fitness, and life. She discovered her true passion in 2011 when she started teaching a hip hop fitness class that would later be known as her own unique format called CLUB FITz which became known worldwide by her ever-growing YouTube channel that currently has almost 330K subscribers and >114M total views. Her calling to help empower others through exercise led to her becoming a health & fitness coach where she teaches others how to make HEALTHY a lifestyle that stays for a lifetime. Her unique combination of being a physician and a fitness professional help give her the tools to EMPOWER her clients and her team members unlike anyone else. You can find all of Lauren's social media outlets on her website https://www.laurenfitz.com/ Listen to her Podcast HERE And check out her stellar YouTube Channel HERE where you can get your dance fitness on! CONNECT WITH US: Let’s Start Health on Instagram Let’s Start Health Facebook Community Chelsea Haines on LinkedIn Contact Chelsea: www.ChelseaHainesCoaching.com --- Send in a voice message: https://anchor.fm/letsstarthealth/message

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It's HIGH PRESSURE OIL PUMP TIME! Ben has been working through some issues on his 1997 7.3 Powerstroke with 330K on the clock. It is time to ditch the stock high pressure oil pump in favor of a better performing DieselSite Adrenaline. If you're into OBS 7.3's, or have a high mileage 94-03 7.3, you are going to want to stay tuned for this episode, and more to come. LINK TO HPOP GEAR BOLT COVER: https://www.dieselpowerproducts.com/p-12348-driven-diesel-hpop-gear-access-cover-94-03-73l-ford-powerstroke.aspx ------------------------------------------- You can find all of our audio episodes on: iTunes: https://apple.co/2wQ6ZFW Google Play: http://bit.ly/32rVfFm Soundcloud: http://bit.ly/32z0rHp Spotify: https://spoti.fi/382h67t ------------------------------------------- Podcast Presented by Diesel Power Products: America's Diesel Superstore | www.dieselpowerproducts.com ------------------------------------------- NO SALESMEN. JUST ENTHUSIASTS. ------------------------------------------- Talk to an Expert: PH: 888-99-DIESEL (888-993-4373) EMAIL: sales@dieselpowerproducts.com

Shea Serrano became a writer when, as a teacher in need of some extra money, he did a Google search for jobs you can do from home. “I didn't have any journalism experience. I didn't know anybody. All I had was the computer and the internet, and I figured that shit out,” says Serrano, who's now a staff writer at The Ringer. Along the way, he wrote three New York Times bestsellers and has established himself as a perennial Twitter all-star (where, when he’s not firing off extremely funny tweets, he’s leveraging his 330K followers to do things like raise $134,000 dollars for Hurricane Harvey victims). In other words, in a world where careers and work are unpredictable and self-doubt is inescapable, Shea Serrano has some lessons on how to bet on yourself—and win big.  Follow: Shea Serrano — @SheaSerrano Clay Skipper — @SkipperClay

Shea Serrano became a writer when, as a teacher in need of some extra money, he did a Google search for jobs you can do from home. “I didn't have any journalism experience. I didn't know anybody. All I had was the computer and the internet, and I figured that shit out,” says Serrano, who's now a staff writer at The Ringer. Along the way, he wrote three New York Times bestsellers and has established himself as a perennial Twitter all-star (where, when he’s not firing off extremely funny tweets, he’s leveraging his 330K followers to do things like raise $134,000 dollars for Hurricane Harvey victims). In other words, in a world where careers and work are unpredictable and self-doubt is inescapable, Shea Serrano has some lessons on how to bet on yourself—and win big.  Follow: Shea Serrano — @SheaSerrano Clay Skipper — @SkipperClay

Do you ever stalk other jewelry designers on Instagram?   Yeah… I confess!   It was no wonder that after stalking this designer’s IG that I wanted to interview her. She’s a private jeweler and designer of all things sparkly, blingy and over the top gorgeous, Stephanie Gottlieb.   Lots of people say it’s hard to sell jewelry online, especially fine jewelry. Yet, Stephanie is legit CRUSHING IT!    She’s built a completely loyal fan base of online (and offline customers) and has learned to leverage online sales channels to grow her audience and keep the sales rolling in.   I mean she’s doing so well that she’s built an Instagram following of over 330K followers! Wanna know how she did it?

Amazon FBA product research is becoming more and more important especially as data in the Amazon ecosystem is becoming even more developed. Jon Tilley is the CEO and co-founder (with Adam Hudson) of ZonGuru an all-in-one software toolset to help Amazon sellers scale their business.  Background TACTICS FOR MARKET RESEARCH  Problem 1: Using keywords  and data to choose product niches And how to visualise it when you do Amazon FBA product research. As a private label seller, there are two factors in the product niche:  The data - 50% of the solution The more creative skill around differentiation. The data side The data is becoming more and more important especially as the Amazon ecosystem has developed Paid search Ranking algorithms getting more and more important The key areas Exact search volume from customers. In partnership with amazon, Zonguru gets access to exact search volume.  Actual $ from keywords - access to this data - for top 25 sellers  Money from keywords Understanding what keywords to target for your launch - there are many 1000 variations for Amazon FBA product research: Which produce the most revenue? Find out which is the most competitive? What keywords, therefore, to focus on? It's a combination of: Relationship with Amazon Revenue share and market share  Reverse engineering and testing it against the algorithm “Keywords on fire”  - type in a keyword phrase Reverse lookup against ASINs Data from Amazon Exact search volume competition The spread of market share Based on  Based on the Brand Analytics API which listings get the biggest click % In market A Top 3 are getting top 60% of clicks   In market B top 3 are getting only 20% of clicks Dollars from keywords  tool  Example Eg “Back brace for men” top 3 sellers 12% - $330K/mo “Posture corrector” - top 3 sellers 15% - $220k/mo How to define a market? Specific metric - niche score (“Rainbow niche score”) Demand Competition  Relative investment to launch Amount of net profit There are 20 metrics that go into that  The strategy is to go into a niche category - objective to rank on page 1.  How would you define “too competitive”? You could put in a phrase like “gardening tools” From a filtering perspective  Search volume filter out

“One of the really cool things about trail and ultrarunning in particular is people go so far into the unknown and I think that, as an element of humanity, doing something where there's a legitimate chance that you're going to utterly fail and get taken off by a helicopter—right, that's going to happen tomorrow, people are going to get flown out by helicopters—the fact that there's a sport that people can participate in that has these neat elements to it, I think it's good for everybody. It's obviously good for me because I'm in the sport, I'm in it professionally and I earn a living doing it, but I just think it's good for society to have those things that can really test you, so I just hope that the sport continues to maintain its edge, attract new people, be viable, and be fun to come out and do these types of events.” Really enjoyed sitting down with a coaching colleague of mine, Jason Koop, for this week's episode of the podcast. Koop is one of the most highly respected and successful coaches in ultrarunning. He's the head ultrarunning coach for Carmichael Training Systems, a company he's been working for since 2001. Koop ran collegiately at Texas A&M and he's coached athletes of all ages and ability levels over the course of his career, including some notable ones such as Western States champion Kaci Lickteig, Dylan Bowman, Dakota Jones, Stephanie Howe, and others. We caught up a couple weeks ago in Chamonix, France, where we were both supporting athletes during the UTMB festival of races, and a few days before he was about to set off for the Tor des Géants, a 330K trail race through Italy's Aosta Valley. (Ed. note: Koop finished 27th overall in 97 hours and 6 minutes.) We got into a lot of coaching nerdery in this one, including the path Koop has traveled to get where he is today, the importance of education, experience, and observation as it pertains to coaching, how his mentors and colleagues have made him a better coach, balancing volume and intensity in training, how he responds to criticisms of his employer and why he doesn't just start his own coaching company, the growth of the competitive side of ultrarunning in recent years, and much more. This episode is brought to you by Aftershokz. AfterShokz is the award-winning headphone brand, best known for its open-ear listening experience. Powered by patented, best-in-class bone conduction technology, Aftershokz headphones sit outside your ear so you can listen to your music and hear your surroundings. To learn more and save $50 on AfterShokz Endurance Bundles, visit tms.aftershokz.com and use the code TMS when you check out. Complete show notes: https://themorningshakeout.com/podcast-episode-77-with-jason-koop/ Sign up here to get the morning shakeout email newsletter delivered to your inbox every Tuesday morning: www.themorningshakeout.com/subscribe/ Support the morning shakeout on Patreon: www.patreon.com/themorningshakeout

Christian Rich is one of TikTok's largest influencers with well over 330K followers!He has 20.5K followers on Instagram as well!Christian makes hilarious videos with some of them reaching MILLIONS of views!"I enjoy making people laugh." - C. RichMore than just a famous TikToker... Christian is a musician, a golfer, and above all else, a Jesus follower! Find out MORE about his rise to fame on TikTok, his aspirations, and who Christian Rich really is by listening now!Connect with Christian here:Instagram - @not_christian_richTikTok - @notchristianrich…Subscribe!! Facebook - Your Story MattersInstagram - @YSMpodcast / @AustinWilliamsCTwitter - @AustinCWilliams

Imagine you are driving down the freeway and you see a bright orange Prius wrapped like a basketball with the name of some basketball coaching school on the side. It may sound corny, but today’s guest did just that as part of launching his version of the Opt Out Life. Our guest is Jordan Lawley. We’re on location at his training facility in Orange County, fresh off a session where Jordan schooled a few guys you’ve probably seen playing on TV. Because Jordan is now one of the NBA’s premier skills trainers, and runs a wildly successful basketball training empire that spans from his basecamp in OC and around the world, thanks to the power of YouTube and his nearly 330K instagram followers. Follow along as we go through Jordan’s rise through college and the pros, to getting started as a trainer and getting kicked out of gyms in far-out suburbs, to livestreaming his sessions with guys in the NBA. More at optoutlife.com/podcast/jordan-lawley Learn more and follow the hosts at optoutlife.com

Ever wonder how someone decides to aggressively attack a goal, like paying down your mortgage? Talaat McNeely and his spouse Tai decided to think HUGE thoughts when they set out to pay off their house in five years. They didn't know how they'd do it, but they set out anyway and took action, and ultimately accomplished their goal. Today Talaat will tell their family's fantastic story from start to finish. He'll share what they did well and also how they could have maybe paid the house off even faster. He'll share their feelings and emotions along the way that sometimes came near sabotaging their goal...and at other times that helped spur them on to victory. Plus, in our headlines segment, we'll detail a great list of questions you should ask a financial advisor. Do you have questions ready when you go in to see an advisor? We'll share some of our favorites before jumping over to our second headline: one California man learns ten million reasons why you shouldn't tell your roommates about hitting the jackpot... see where this is going? Yeah, it's a cautionary tale.  Later on we'll throw out the Haven Life Line to Colin, who wants to know our thoughts on target date funds. He's been dollar-cost averaging into a Vanguard target date retirement fund for the past 10 years. Should Colin change his investment strategy? What are out thoughts? We'll also get through TWO letters today. First, Shaun is a financial advisor and wants to know what type of data he should be presenting his clients. Next, will take on a letter from Christy, who writes in to address our answer to a letter asking about individual life insurance. And don't worry... we'll still take some time for Doug's trivia. Thanks to Masterworks for supporting Stacking Benjamins. Visit Masterworks.io and reserve your shares now. See disclaimer at Masterworks.io/disclaimer. Thanks to Omax Health for supporting Stacking Benjamins. Visit Tryomax.com/sb for you free box of Omax3 Ultra-Pure.

How does a vegan, homeschooling, bodybuilding mom of four get into the online world? And then see massive success with webinars? It may seem like a crazy story, but I can guarantee you that you will be completely enthralled and inspired with Kim Constable and her personal journey. Kim started her online adventure back in 2009 after she had had enough of the stress of running a business AND raising four kids. There was literally a day she just sank to her knees and started crying. She knew there had to be a better way to live (and make money!). On today’s ep Kim and I talk about how she finally found success online by tapping into a personal passion—vegan sculpting—then building a signature course and running webinars. Kim followed my coaching to a tee (in Kim’s words: “I’m a very good soldier”) even when it got frustrating or took longer than she had hoped. And that commitment paid off: In her first round of webinars for her Sculpted Vegan program she made $52,000. She also just had her first six-figure month—and there’s still so much more ahead for her! This type of success doesn’t happen overnight, nor does it come without a little time, energy, and investment. Kim has found the secret sauce, and she’s sharing it with us today. (And in case you don’t think you can manifest your dreams—Kim said years ago that she would be on this very podcast!) Click here to hear her story. This episode is brought to you by the Digital Course Academy—if you are looking to move beyond your service-based business (or, like Kim, you are burnt out on your current situation) and want to embrace a course-based model, you’ll want to enroll in the Academy, launching in January 2019. Sign up to be the first to know when the program goes live (and also grab a tasty course creation freebie!).

My guest today has seen his firm through some of the most explosive growth we’ve seen on the podcast. Kyle Moore is the founder of the fee-only financial planning firm Quarry Hill Advisors, and his path into and through the industry is as surprising as it is inspiring. In this episode, Kyle shares how he went from traveling the country as a professional golfer to working as a financial advisor at a firm that saw its partners split up just nine months after he joined. Listen in to hear how he got through his rocky start in the industry with a young child at home, why at one point he accepted a $25,000 salary, and what ultimately made him decide to leave what he calls “the best associate planner position in the country” to start his own firm. You can find show notes and more information by clicking here: http://www.xyplanningnetwork.com/163

#163: Home equity is a terrible investment - it is unsafe, illiquid, has zero ROI, makes your foreclosure risk greater, and it can leave your assets exposed to lawsuits. Some have called today’s material shocking - a revelation. What you thought was black is white. What you thought was dark is light. Home equity can never go up in value, but might go down value. You must embrace mortgages. I collect mortgages every bit as much as I collect cash-flowing properties. I practice what I preach and only keep 15% equity in my primary residence, and minimum equity positions in investment properties. You would be better off burying money in your backyard than using it to pay down your mortgage. In the 1920s, a common clause in bank loan agreements stated that your loan could be called due at any time. That created fear which still resonates today. But it’s no longer true; banks won’t call your mortgage loan due anytime. 30-year vs. 15-year vs. interest-only mortgage loans are examined. Homes are not meant to store cash, they’re meant to house families. Holding too much equity in any one property can kill your wealth potential. If you want wealth, you need to consider dispersing your home equity among many income-producing properties across different geographies. Want more wealth? 1)    Grab my free E-book and Newsletter at: GetRichEducation.com/Book 2)    Actionable turnkey real estate investing opportunity: GREturnkey.com 3)    Read my new, best-selling paperback: getbook.at/7moneymyths Listen to this week’s show and learn: 01:37  Eliminating debt often postpones your financial freedom. 04:05  In the 1920s, a common clause in bank loan agreements stated that your loan could be called due at any time. That’s no longer true. 07:23  Paying off debt prevents you from accumulating assets. 08:48  Liquidity, safety, and rate of return are three reasons for keeping a high mortgage loan balance. 11:35  Why your foreclosure risk is greater if you have a high equity position. 16:33  Natural disasters. 19:56  Getting sued, asset protection. 21:40  The ROI from home equity is always zero. 26:15  Cash-out refinances and 1031 Tax-Deferred Exchanges. 28:12  Be your own banker. Create arbitrage. 29:00  30-year vs. 15-year fixed rate amortizing vs. interest-only loans. 30:42  Another example of home equity providing zero ROI and being unsafe. 33:04  Enjoy collecting mortgages. Equity transfers. 34:37  Those with less financial education want to pay off their properties. 36:55  Outsource lower use tasks. 38:56  Control. 40:04  Mortgage payments vs. housing payments. 42:27  A house is not an asset. 43:58  Act at RidgeLendingGroup.com for loans, GREturnkey.com for properties. Resources Mentioned: GREturnkey.com RidgeLendingGroup.com CorporateDirect.com GetRichEducation.com   Here. It. Is. Hey, Welcome to Episode 163 of Get Rich Education - the show that at this point has created more passive income and financial freedom for busy people like you than nearly any other show in the world. I’m Keith Weinhold. Your financial forecast is going to be looking sunnier than ever after today. I’ll tell you why. But you know what, your open mind might very well find the content in today’s show shocking. Some people have believed the same old antiquated thing for so long, that they figure that the notion that has been believed for so long MUST absolutely be true - merely because it’s been believed for a long time. Yes, just because you’ve believed something for a long time, doesn’t make it true. It’s sort of like - I think Yoda even said it - “You must unlearn what you have learned”. A lot of times you need to unlearn the old before you’ve made room for new ideas. Eliminating your debt can actually postpone your financial freedom. You need to form both the habits and the actions that produce income streams. Well, you can’t very well do that if you put your money toward retiring debt. Focusing too much on becoming debt-free means that your money is being sent away to retire. That’s why you can’t retire. You can’t retire - or be financially-free - because you’ve sent your money away to retire - rather than work for you. If you could invest in something that could never go up in value but could only go down in value, then how much of that invest would you want? Well, zero - right? We’re intelligent people that invest for the production of income, not speculate on a hope for capital gains. The investment that can never go up in value but can only go down in value is home equity - or even your rental property’s equity. In fact, I have the ability to pay off my home’s mortgage but I refuse to do so. I embrace mortgages. I don’t fear them. Many Americans believe these following statements to be true, but in reality they are myths and misconceptions: OK, here we go: Your home equity is a prudent investment. FALSE Extra principal payments on your mortgage saves you money. FALSE Mortgage interest should be eliminated as soon as possible. FALSE Substantial equity in your home enhances your net worth. FALSE Home Equity has a rate of return. FALSE THERE IS A REASON WHY SO MANY PEOPLE FEAR MORTGAGES, AND WHY YOU SHOULDN’T In order to discover how our great grandparents and our grandparents and even our parents and perhaps even you - got the idea that a mortgage is a bad thing and a necessary evil at best, we must go back in time to the Great Depression - and then we’re going to bring it up to the Present Day here... In the 1920s a common clause in loan agreements gave banks the right to demand full repayment of your mortgage loan at any time. Since this was like asking for the moon and the stars, no one really worried about it. Then, when the stock market crashed on October 29, 1929 millions of investors lost huge sums of money, much of it on margin. Back then, you could buy $10 of stock for a $1. Since the value of the stocks dropped, few investors wanted to sell, so they had to go to the bank and take out cash to cover their margin call. It didn’t take long for the banks to run out of cash - so they started calling loans due from good Americans who were faithfully making their mortgage payments every month. However, there wasn’t any demand to buy these homes, so prices continued to drop. To cover the margin calls, brokers were forced to sell stocks and once again there wasn’t a market for stocks so the prices kept dropping. Ultimately, the Great Depression saw the stock market fall more than 75% from its 1929 highs.  More than half the nation’s banks failed and millions of homeowners, unable to raise the cash they needed to payoff their loans, lost their homes. Out of this the American Mantra was born and it said this: “Always own your home outright. Never carry a mortgage.” The reasoning behind America’s new mantra was really quite simple: if the economy fell to pieces, at least you still had your home and the bank couldn’t take it away from you. Maybe you couldn’t put any food on the table or pay your bills, but at least your home was secure. Since the Great Depression laws have been introduced that make it illegal for banks to call your loan due. The bank can no longer call you up and say, “We’re running a little short on cash and need you to pay off your mortgage loan in the next thirty days.” That just can’t happen. Additionally, the Fed is now quick to infuse money into the system if there is a run on the banks, as we saw in 1987 and we sort of saw with Quantitative Easing later. Also, the FDIC was created to insure banks. Still, you can see how the fear of losing their home became instilled in the hearts and minds of the American people, and they quickly grew to fear their mortgage. In the 1950’s and 60’s families would throw mortgage burning parties to celebrate paying off their home. And so, because of this fear of their mortgage, for about 90 years now most people have overlooked the opportunities their mortgage provides to build financial security. SO THERE’S A REASON WHY PEOPLE HATE THEIR MORTGAGE AND WHY YOU SHOULDN’T Many people hate their mortgage because they know over the life of a 30 year loan, they will spend more in interest than the house cost them in the first place. To save money it becomes very tempting to make a bigger down payment, or to make extra monthly principal payments.  Unfortunately, saving money is not the same as making money. Or, put another way, paying off debt is not the same as accumulating assets. By tackling the mortgage pay-off first, and the investing goal second, many fail to consider the important role a mortgage plays in your effort toward financial freedom.  Every dollar we give the bank is a dollar we then...did not invest. While paying off the mortgage saves us interest, it denies us the opportunity to earn greater interest with that money.  Are you still doing something like this? “Hey Mr. Banker, here is an extra $100 principal payment. Don’t pay me any interest on it. If I need it back, I’ll pay you fees, borrow it back on your terms, and plus I’ll try to prove to you that I qualify again.”  Some people - a lot of people - still do that! That is fear, scarcity, and a lack of education rather than knowledge, abundance, and mastery. Money you give the bank is money you’ll never see again unless you refinance or sell that property - whether that property is your primary residence, or it’s one of your income properties. Why separate the equity from your home? Why would you want to have the equity removed from your home? There are actually three primary reasons: 1. LIQUIDITY 2. SAFETY 3. RATE OF RETURN - there are many more reasons too. But, let’s focus on those. HOW LIQUID IS IT? (Can I get my money back when I want it?) 2. HOW SAFE IS IT? (Is it guaranteed or insured?) 3. WHAT RATE OF RETURN CAN I EXPECT? Home equity fails all three tests of a prudent investment. Let’s examine each of these core elements in more detail to better understand why home equity fails the tests of a prudent investment, and, more importantly, why home-owners benefit by separating the equity from their home. So why SEPARATE EQUITY TO INCREASE LIQUIDITY? Well, what is one of the biggest secrets in real estate? It’s that your mortgage is really a loan against your income, moreso than a loan against the value of your house.  Without an income, in many cases you just can’t get a loan. If you suddenly experienced difficult financial times, would your rather have $50,000 of liquid cash to help you make your mortgage payment, or have an additional $50,000 of equity already trapped in your home? Almost every person who has ever lost their home to foreclosure would have been better off if they had their equity separated from their home in a liquid, safe, conservative side fund that could be used to make mortgage payments during their time of need. The importance of liquidity became all too clear when the stock market crashed in October of 1987, or March of 2000, or September of 2008. If someone had advised you to first sell your stocks and convert to cash, they would have been a hero. Or, if you had enough liquidity you could have weathered the storm. Those with other liquid assets were able to remain invested. They were rewarded as the market rebounded and recovered fully - sometimes pretty quickly. However, those without liquidity were forced to sell while the market was down, causing them to accept significant losses. “It’s better to have access to the equity or value of your home and not need it, than to need it and not be able to get at it.” Of course, I don’t advocate for people to have much exposure to stocks because that isn’t where the wealth is created. If you want to build wealth, keep your equity out of stocks, and maintain small equity positions in many income-producing properties. TO REDUCE THE RISK OF FORECLOSURE DURING UNFORESEEN SETBACKS, KEEP YOUR MORTGAGE BALANCE AS HIGH AS POSSIBLE Is your home really safe? Unfortunately, many home buyers have the misconception that paying down their mortgage quickly is the best method of reducing the risk of foreclosure on their homes. However, in reality, the exact opposite is true. As homeowners pay down their mortgage, they are unknowingly transferring the risk from the bank to themselves. When the mortgage balance is high, the bank carries the most risk. When the mortgage balance is low, the homeowner bears the risk.  With a low mortgage balance the bank is in a great position, as they stand to make a nice profit if you defaults. In addition to assuming unnecessary risk, many people who scrape up every bit of extra money they can to apply against principal often find themselves with no liquidity. When tough times come, they find themselves scrambling to make their mortgage payments. Alright, just imagine this scenario. Assume you’re a mortgage banker - you’re sitting in your plush leather chair in your corner office - and you’re looking at your loan portfolio as this mortgage banker that you are, and you have 100 loans that are delinquent. All of the loans are for homes valued at $600,000. OK, so you’ve got all hundred of these $600,000 homes - and your borrower payments have become delinquent on every one. Some of the loan balances are $300,000 and some are $500,000. Suddenly, there is a glut in the market and the homes are now worth $400,000. Which homes do you as the banker foreclose on FIRST? The ones owing the least amount of money, of course. After all, as a banker you’d make money taking back those homes, however you’d lose money trying to sell a home for $400,000 when you still would have been owed $500,000 on it if you just keep that in your portfolio. Banks have been known to call delinquent homeowners with high mortgage balances and offer assistance to those people - they’re not going to try to foreclose on them. In that case, as a mortgage banker in your plush leather chair, you’re going to get on the phone with your homeowner / borrower and you’re going to say, “We understand you are going through some tough times, is there anything we can do to help you? We really want you to be able to keep your home.” The last thing they want to do is take back a home that they will lose money reselling. Because that homeowner smartly kept their mortgage balance high. So you as an owner of your own home or owner of income property want to keep your mortgage balance high and your equity position low. If you fall ill or become incapacitated in a car accident and you’re not able to work, you want to be sure that your family is protected. Well, while you’re in a hospital bed - or worse - or you’re gone - the bank is going to foreclose on those homes that have a low mortgage loan balance first. Those with a high mortgage loan balance will get the workouts. More equity is more risk. So that’s why I wanted to put you in the position of YOU as the mortgage banker in your leather easy-chair. Don’t vilify the banks with being ruthless with foreclosing on those with high equity positions - because if you were given two equally difficult tasks, which would you do first?  If you had two wheelbarrows sitting in front of you, you had to push each one up a hill, and one wheelbarrow was empty and the other one had 100 pounds of concrete in it that you had to grunt and struggle to push up the hill - yet both tasks paid you the same, then which wheelbarrow are you going to push up the hill first? It’s the light, empty one.  You know, it’s interesting to note too, during the Great Depression, the Hilton chain of hotels was deeply affected by the stock market crash and Hilton couldn’t make their loan payments. You know what saved them from financial ruin? They were so leveraged, in other words they owed so much more on their property than it was worth, that the banks couldn’t afford to bother wasting their time foreclosing on it. The Hiltons understood the value of keeping high mortgage balances thereby keeping the risk on the banks. Closer to the present day here... Hurricane-ravaged homeowners in Florida, or New Orleans, or Houston would have been better off if they had removed a large portion of their equity and put it in other cash-flowing properties around the country - or they would have been better off even keeping it in a safe and liquid side fund, accessible in a time of need. Ask yourself, if you’re a California resident, and you own a million dollar home during an earthquake in California (and you didn’t have earthquake insurance like many don’t), would you rather have your equity trapped in your home, or would you rather have more of it in income-producing properties in the Midwest and South?  If it were trapped in the California home, your equity would be lost along with the house in the earthquake.  What about litigation? In the event of a widespread disaster where an insurance company could be at risk with making massive payouts to a ton of homeowners, that insurance company often has incentive to come up with reasons not to pay the insurance claim - or delay paying the claim - probably at a time where you and your family are displaced and you’re staying at a modest hotel while your life is in a shambles.  We saw this happen in national disasters recently. If your home is rendered uninhabitable in the event of a natural disaster and there’s a dispute about what exactly damaged your home -  You know, was it the hurricane’s wind or was it the storm surge or the wind that led to the storm surge or the hurricane’s rain that led to the flood - or - what can you make a claim for then? I mean, do you want to be in the scenario where you have to hire a lawyer to fight the insurance company? Especially at a time where you or your family are vulnerable and uprooted while you’re all staying at the Holiday Inn? Well, if you have a lot of skin in the game - a lot of equity - you’re going to be the one most likely to have to research what legal counsel is the best and then hire, pay for, and retain legal counsel against the insurance company. If you don’t have much skin in the game, and you’ve left the bank with the greater equity position, then the bank is going to have the incentive to want to hire the attorney. See, with every mortgage paydown that you make, you have increased the bank’s security in this property risk and you’ve decreased your own security and decreased your own peace of mind. More equity is more risk. See you thought it was the opposite. Previously you thought paying down a mortgage increased your feeling of security. Sometimes, you can get insurance to prevent risk of loss in the event of a hurricane, or an earthquake, or a fire, but see, even then, there’s no such thing as property equity insurance. The homeowners with the least financial education are more likely to get foreclosed upon first.  What if you’ve got a lot of equity in a property and you’re having a Cinco De Mayo party and a neighbor kid falls off your deck? Well, now the neighbor kids parents want to sue you. We live in a litigious society. When that neighbors plaintiff attorney sees that you don’t have much low-hanging fruit as equity to go after, the lawsuit might never even come your way in the first place.  A low equity position is an effective asset protection strategy. Make the bank share in the risk with you. Again, that’s really an example of making OTHER PEOPLE’S MONEY work for you - other people’s money - the bank’s the helping protect you.  My home - our primary residence - has a market value of between $450K-$470K, and my mortgage loan balance at this moment is almost exactly $400K. I’ve intentionally taken proactive measures to keep my mortgage balance high and my equity position low. That’s about 15% equity in my home there - something like that. I practice what I preach.  This limits my risk, it’s increased my liquidity so instead I can turn these equity dollars into down payments on more income property across the nation, and it increases my overall rate of return substantially. You’ve got to think about SEPARATING EQUITY TO INCREASE your RATE OF RETURN as well. Here’s a question for you. What do you think the rate of return from home equity was in Boston for the last 3 years? What about Seattle for the last one year? Be careful, this is a trick question.  The truth is, it doesn’t matter where you live or how fast the homes are appreciating, the return from home equity is always the same, it is ZERO.  We have a misconception that because our home appreciates, or our mortgage balance is going down, that the equity has a rate of return. That’s not true. Home equity has NO rate of return. Home values fluctuate due to market conditions, not due to the mortgage balance. Your home or income property’s value fluctuates on population growth, job growth, supply vs. demand and all kinds of other factors.  But the equity in the home has zero relation to the home’s value, it is in no way responsible for the home’s appreciation.  Therefore, home equity simply sits idle in the home. It does not earn any rate of return. Assume you have a home worth $100,000 which you own free and clear. Or if you have a $100,000 property with just $20,000 of equity in it, if the home appreciates 5%, you still own an asset worth $105,000 at the end of the year. Now you’ve got a 25% return on your skin-in-the-game because you’re leveraged - not just a 5% return. The market provides the return whether equity is in there or not. I actually cover this topic quite a bit in my first book, which was published earlier this year. Homeowners would actually be better off burying money in their backyards than paying down their mortgages, since money buried in the backyard is liquid (assuming you can find it), and its safe (assuming no one else finds it). However, neither one is earning a rate of return. It’s actually losing value due to inflation. I’ll be back with so much more. You’re listening to Get Rich Education. Alright...suppose you were offered an investment that could never go up in value, but might go down. How much of it would you want? Hopefully none. Yes, that investment is home equity. It has no rate of return, so it cannot go up in value, but it could go down in value if the real estate market declines or the homeowner experiences an uninsured loss like a natural disaster sort of calamity, or your own body or mind’s disability, or a foreclosure.  That’s why rather than paying down any mortgage, instead, once equity accumulates, I use cash-out refinances and 1031 Tax-Deferred Exchanges to invest that dollar in more cash-flowing property.  The return from equity is always zero so I want to reduce my equity exposure that I have in any one property. But borrowing equity out of a property incurs an interest rate expense. But as long as I beat that interest rate expense incurred with the return from that reinvested dollar, I’m dollars ahead.  ...and if I can borrow at say, a 5% interest rate, sheesh, I’ve talked a number of times on how investing into new, cash-flowing turnkey income property with long-term fixed interest rate debt pays you five ways at the same time such that rates of return of 30% per annum are actually common. This increases your velocity of money too - rather than letting your equity slowly cut too deep into any one property. Accelerating loan paydowns would cut my leverage ratio. We discussed that last week here on the Get Rich Education podcast. Let’s talk about THE COST OF NOT BORROWING (EMPLOYMENT COST VS. OPPORTUNITY COST) When homeowners separate equity to reposition it into more income property, or even a liquid, safe, side account, a mortgage payment is created on the portion that you’ve borrowed out. The mortgage payment is considered the Employment Cost. What many people don’t understand is when we leave equity trapped in our home, we incur the same cost, but we call it a lost Opportunity Cost. The money that’s parked in your home doing nothing could be put to work earning you something. So create arbitrage for yourself. Learn to...effectively be your own banker. By using the principles that banks and credit unions use, you can amass a fortune. A bank’s greatest assets are its liabilities. You can substantially enhance your net worth by optimizing the assets that you already have. By being your own banker you can make millions extra. It’s not necessary to have a large chunk of equity in your home to benefit from using your mortgage to create wealth. Many homeowners without a large equity balance have benefited by simply moving to a more strategic mortgage which allows them to pay less to their mortgage company each month, thereby enabling them to save or invest more each month. Even if you don’t have a high equity position, if you have a 15-year loan, you can increase your monthly cash flow by switching it into a 30-year fixed amortizing loan. I once made the same mistake. I once had a 15-year loan on my own home and changed it to a 30 once I understood this. Say the 15-year loan monthly payment is $700 more than the 30-year fixed amortizing payment - well wouldn’t I rather have that $700 either in liquidity or have the ability to put it into an income-producing investment? On an income property if you have a 15-year loan rather than a 30-year loan - the property probably won’t cash flow either. I actually favor interest-only loans the most. But they can still be hard to find these days. Interest-onlys got a bad name 10-20 years ago because some people took out those loans because not paying principal was the only way they could afford a property - a property that didn’t even generate income. I favor interest-onlys because rather than having my extra dollars go to principal, that goes right into my cash flow pocket instead. With income property, both inflation and tenants make my mortgage principal balances erode without me having to get involved with principal paydowns which is something that only corrodes my cash flow.  Let’s just look at another example, I gave one similar to this in my new book. If you’re in, say the U.S., or Canada or wherever and you own a $300K home, and just for ease of numbers your home appreciates 10% and goes up to $330K over some period of time, did it matter how much equity was in the home?  No. Again, either appreciation or loss in value has nothing to do with your skin-in-the-game - it has nothing to do with that equity inside the walls of your home, and everything to do with what’s happening outside the walls of your home… ...like demographic trends or the remaining availability of developable land in your geography, or a national tightening or easing of lending standards. That’s what affects market value. What if the value of your $300K home goes down to $200K in value? Well, then if you had $100K of property equity exposed, it’s all gone. So although the home fell in value 33%, your equity fell in value 100%. Now you understand why property equity is UNSAFE. So, #1, prevent equity from accumulating, and #2, spread it around into other properties in different geographies. When you do that, you’ve planted a small equity seed that has substantial room for growth in a new property. So, I think big-picture, rather than retiring mortgages, I’m acquiring mortgages and integrating them into my financial plan. Rather than fighting to get rid of mortgages, I’ve embraced them, brought them onto my side, and I don’t want them to go away. I use it as a tool.  You can think of your mortgage as a competitor, or as a collaborator. Life is a lot more harmonious and plentiful when you turn competitors into collaborators. I don’t just enjoy collecting properties, I enjoy collecting mortgages.  The way I’ve lived for a long time is that I don’t want to have my home or any income property paid off by the time I’m age 40, or 60, or 120. When I pull equity from one property and use it as a down payment toward another property, I haven’t actually lost any equity (though I might have a corner chipped off for closing costs or agent commissions), but rather than losing equity, I’ve just transferred equity. It’s still my equity. Now consider that when I pull equity from my home to put it into an income property, I typically incur a higher home mortgage payment than what I had previously.  But as long as the difference between the new home mortgage payment amount and the old payment amount is exceeded by the positive cash flow that I receive from the new rental property, I am dollars ahead on a monthly basis. ...plus I have all the other benefits of owning a real estate portfolio that’s greater in value.  I now have two properties to potentially appreciate in value rather than one. So before, rather than just having a $300K home, you might still have your $300K home, plus a $200K income property - for $500K of total property, plus greater tax benefits and monthly cash flow. You know, as I go through life, I find that those with less financial education say something like, “I can’t wait until I have this property paid off.”  Well, it’s sort of like when someone tells me they have a boatland of money saved at the bank at under 1% interest. I’m thinking, “OK, that’s good. I see potential there, now what are you going to do with it?”  Money earning nothing at the bank is actually better than home equity because it’s more liquid.  Understanding this stuff and putting it into practice is how I, as an investor, got ahead farther faster. Instead of learning about how to replace garage doors or how to clean a chimney in the most efficient way, learn about big picture forces like arbitrage. leverage, cash flow, inflation, and smart equity mgmt.  It’s going to get you ahead farther, faster. Outsource lower use tasks and replace them with higher-use tasks and you’ll be living better than you ever thought you could.  I think some people get content being their own landlord because they just don’t know what else they could do if they would only think big picture. So those people instead beat around in an old Ford F-150 managing their own properties. They rationalize that their life isn’t so bad compared to those without clean water in Ethiopia or Malawi. So they stay content trying to fix the furnace at the four-plex themselves.  Maybe they’re ordering a couple meatball subs on a lunch break and then listening to sportsradio in the afternoon. I mean, hey, if you’ve explored enough of the world to know of a different way of life and you still like the twenty-year-old Ford F-150 life where you’re managing your own property and storing canisters of touch-up paint where you’ve got al these lids labelled for the different rental units it goes with and it takes up 10% of your garage all that, then that’s fine. As an investor, you’ve got laborers standing by just waiting to work FOR you - these laborers have names like “Tenants” “Leverage” “Arbitrage” and “Inflation”. You need to know that there is a better, higher-use way to live. Outsource lower use tasks and replace them with higher-use tasks and you’ll be living better than you ever thought you could. Now, if someone would ask me if I would want more property equity than I’ve currently got - someone was just looking to “gift” some equity to me. Yeah, I’d take it, but I’d think of it as the ability to disperse and distribute seeds. Initiate that velocity and spread it into more properties. The thing is that you can’t just understand this stuff or it isn’t going to help you. You’ve got to do it. You must act. Mere knowledge doesn’t do you any good.  I’ve conscientiously decided that I’m going to be abundant. I’m going to go out and control more. There are a few limits here. You probably don’t want to lock up everything. It’s good to keep some liquidity on-hand. I’ve talked about how it’s a good idea to have 3-5% of your total real estate portfolio value in liquid funds as reserves.  Consider that if you get underwater on your primary residence, it might make it hard for you to move if you have to move.  If you already live where you truly want to live, why would you have to move - and why would you live anywhere other than where you want to live? You don’t follow money. You’ve made money - income streams - follow you.  Think about your control of a property too. You know, whether you have a 5% equity position in your property or a 60% equity position or a 100% equity position in your property, you still have the same right to tear down the fence at your home or paint your home or add a carport to a rental property that you own. Your equity position doesn’t affect your control at all. Less equity, same control. Less property equity also increases your tax deductions because mortgage interest is typically tax deductible. So, no one achieves financial freedom just by eliminating their debt.  This is a central tenet to the Get Rich Education paradigm: “Financially-Free Beats Debt-Free”.  Some people might just say, oh, eliminating the mortgage would just make me feel good. Well, consider what that good feeling is costing you. Once you’re educated, debt-free doesn’t feel so good. You’re actually taking steps away from being financially-free. Plus, if you eliminate a mortgage payment, consider that you STILL have a monthly housing payment. You’re still going to have to pay property taxes, property insurance, pay maintenance, pay repairs, utilities, maybe pay HOA dues.  So even complete elimination of a mortgage payment doesn’t nearly eliminate your HOUSING payment.  Even though I have the ability to pay off my home, that would be one of the most reckless and financially uneducated things that I could think of. I’d probably have to sell some income-producing property in order to make the payoff.  Some people say that they don’t want to pull equity from their primary residence because they say that their existing mortgage is at such a low interest rate - 5% or 4% or lower.  Well, oftentimes, you can keep that first loan in place - not touch it - not reset its amortization schedule - not disturb that rock-bottom interest rate...I get it...my primary residence has a 3.5% interest rate on a 30-year fixed-rate mortgage. And what you can do then is add a Home Equity Line Of Credit second mortgage onto the property so that you catalyze your velocity of money. Homes are meant to house you & your family. Not store cash.  When money talks, do you listen? Or do you revert to thinking about what your Dad thought - or what your Uncle thought - or revert to that Depression Era of thinking. You know, most all of these principles that I’ve talked about earlier here - these were even true when mortgage interest rates were 16 to 18% in the early 1980s. You can take ever great advantage of this “Financially-Free Beats Debt-Free” plan today when mortgage interest rates are comparatively anemic.  You’ve got to go against the beliefs of traditional, old-fashioned thinking.  What you thought was black is white. What you thought was dark is light. If you act, your financial forecast looks substantially sunnier than you though. You won’t be able to retire if you send your money away to retire locked up in a home’s walls. Now you’ll need to spend more of your life working.  The greatest-selling financial author of all-time, Robert Kiyosaki, who has been on the show with us here a couple times, of course - he famously said that a house - your primary residence - is not an asset. A house is not a financial asset.  It is a liability because it takes money out of your pocket every month. As asset puts money into your pocket every month.  So keep your skin-in-the-game in this liability - your home - to a minimum - and place that equity into assets - cash-flowing turnkey real estate in the best markets. Your home is less of a liability to you when the equity is intelligently managed. But importantly, you’ve got to act, rather than sit idle on this information. These are the kind of discussions that shape you and your family’s life - that open up time for yourself and passive income for yourself… ...that got your kid the new hockey pads so that he could play on the hockey team and you had time to go watch her or him. …that got you to Kauai when you and your family hiked that trail on the North Shore rather than deferring everything until some fictitious “someday”.  You’ve got to ACT.  You know the old Chinese proverb. Give a Man a Fish, and You Feed Him for a Day. Teach a Man To Fish, and You Feed Him for a Lifetime. Well, which one sounds better - teaching a man to fish or giving a man - or woman - a fish? It is doing BOTH. That’s the abundance mentality. So at Get Rich Education, we teach a man to fish. We also give a man a fish, Ridge Lending Group specializes in investment property loans. They’ve helped more people realize their dreams of financial freedom through real estate than any other mortgage lender in the country. So RidgeLendingGroup.com is in the Show Notes for you.  Well then where do you actually find the income properties in investor-advantaged markets with in-place property management so that you can intelligently reposition your home equity if you choose to?  We both teach a man to fish here at Get Rich Education and then we give a man a fish at GREturnkey.com - where there are - more than 10 markets that I’ve hand-selected myself - this is a lineup of markets and providers - many of whom I’ve invested in myself…  ...where you can download a report on a few investor-advantaged metros, read it at your leisure, and then that report also has the provider information so that you can follow up with them should you so choose. Often, it’s those markets in the Midwest and South.  GREturnkey is in the Show Notes as well. So it has just never been easier.  Thank you for being here, but again, you aren’t here for me, you are here for you. I will be back next week to help you build your wealth. Remember, home equity is a terrible investment, and financially-free beats debt-free. Don’t quit your day dream.

Carson Heady is a top performing outside sales leader, speaker and management consultant. He’s the author of the ‘Birth of a Salesman’ series, which details the art of sales - from interviewing through preparation, pitching, closing and advancing your career in sales. During his career, he has served at multiple levels of leadership at Microsoft, AT&T, Verizon and T-Mobile. In his role he’s overseeing partner relationships and leading strategic sales planning to grow revenue. He has a strong social media following of over 330K followers, has hosted the Smart Biz Show on EG Radio, and has been interviewed by a number of sales gurus including Jeffrey Gitomer and Jeb Blount.   Here are some of the topics covered in this episode:   Key skills you need to develop a successful career in Field Sales How to ask for a promotion How to approach your boss about career development opportunities How to set up your career plan How to know when it’s time to move on Tips for a successful job search   Listen to this episode on iTunes, Stitcher, Google Play or wherever you get your favorite podcast!   About the Guest: Carson entered the sales arena at age 22 and has found success at every level, from top-flight sales representative to a division leader over 200+ people. His devotion to the sales game occupied much of his time, but his desire to write never left his mind. Once Carson realized his great aptitude in the game of sales, he decided to write his first novel – “Birth of a Salesman” – which told the story of a young man who came into prominence in the sales arena and doubled as a self-help sales advice manual to guide anyone to the level of success he achieved.  He is a profound public speaker, superior corporate leader and, in addition to having letters featured in prominent magazines and local newspapers, he wrote his own bi-weekly column for his department. Carson lives in St. Louis, MO, with his 2-year old daughter.   Linkedin: https://www.linkedin.com/in/carsonvheady/ Blog & Books: https://carsonvheady.wordpress.com/ YouTube: http://www.youtube.com/user/cvheady007 Twitter: @cvheady007 Facebook: www.facebook.com/CARSONVHEADY.BIRTHOFASALESMAN

Today's Sponsor: Sean O'Neill at RBC Wealth Management Give us about ten minutes a day and we will give you all the local news, local sports, local weather, and local events you can handle.  Today...Maryland's Gubernatorial race looks to be very expensive, a $330K doll was sold here in Annapolis, the Bay is doing better, but advocates want to make sure the legislation keeps it up, Navy will play Army in Fenway Park, and Hamilton is coming to the Hippodrome! All that and more plus your local warming weather from DMV Weather. The Daily News Brief is sponsored by Sean O'Neill at RBC Wealth Management. Website: Sean O'Neill | RBC Wealth Management Facebook: Sean O'Neill | RBC Wealth Management Flash Briefing for Alexa. Yep, I finally brought the Daily News Brief to Alexa. Search for "Eye On Annapolis Daily News Brief" in your Alexa app and enable it--and be sure to drop us a rating! More info here.  The Eye On Annapolis Daily News Brief is produced every Monday through Friday and available on Apple Podcasts, Spotify,  Google Music, Stitcher Radio, tunein, IHeartRADIO, Amazon Echo,  YouTube, Facebook, Twitter, and of course at Eye On Annapolis. Our weather partner is DMV Weather based in Annapolis. Please download their APP so you can keep on top of the local weather scene! And for your local high school and college (well, and a little bit of pro) we have Kevin Chaney (@KChaneySports) a ShellBack Sports with all the news you can use! Please be sure to check out our weekly sister podcast, The Maryland Crabs!  

Michael Kies shares how the 10,000 hours to mastery theory holds agents back and how using a “just in time” learning approach, can help you get […] Episode 14: The active learning strategy that helped one agent add an extra $330k in 8 months is an article from Michael Kies who is Australia's leading real estate sales trainer. .

Episode 17 Big Mac, Space Eyes, Updates and Buckaroo Bonzai! Welcome to the CheapGeek Podcast! RECAP- LEAD IN-  A.Big Mac creator Jim Delligatti dies at 98 http://www.usatoday.com/story/money/business/2016/11/30/big-mac-creator-jim-delligatti-dies/94664154/  Why Spaceflight Ruins Your Eyesight http://gizmodo.com/why-spaceflight-ruins-your-eyesight-1789423059 Kevin Smith's Buckaroo Banzai TV Show Just Hit a Legal Snag (Updated) http://io9.gizmodo.com/kevin-smiths-buckaroo-banzai-tv-show-just-hit-a-legal-s-1789431043 Baby rescue goat's anxiety soothed by dressing in duck costume http://www.upi.com/Odd_News/2016/11/28/Baby-rescue-goats-anxiety-soothed-by-dressing-in-duck-costume/1121480355446/?spt=slh&or=8     FIRST COMMERCIAL- If you are now feeling guilty- you can buy your furry friend a mystery surprise box full of goodies. The perfect surprise gift for your beloved furry friends! Valued no less than $30 if bought separately. Bully Stick always included http://amzn.to/2ghS1OR WEIRD STUFF 1.Amusement Park In Japan Apologizes For Freezing Fish Into Ice Rink  http://www.huffingtonpost.com/entry/fish-ice-rink-japan_us_583c3dece4b01ba68ac52255?section=us_weird-news An Amusement Park That's Also a Giant Spa Is Obviously the Greatest Idea Ever http://sploid.gizmodo.com/an-amusement-park-thats-also-a-giant-spa-is-obviously-t-1789429176 3.Drunk drivers threatened with “Nickleback” should they get caught this holiday season driving under influence: http://www.cnn.com/2016/11/30/americas/police-canada-nickelback-dui-trnd/   New Mexico or Florida or Some other Weird Place: Calif. man busted with $330K in weed wrapped as Christmas presents http://www.upi.com/Odd_News/2016/11/25/Calif-man-busted-with-330K-in-weed-wrapped-as-Christmas-presents/5981480100012/?spt=sec&or=on       Mail thieves foiled by 'bait package' of dog droppings http://www.upi.com/Odd_News/2016/11/28/Mail-thieves-foiled-by-bait-package-of-dog-droppings/1851480346882/?spt=sec&or=on Florida man hiding in pond tells deputies their suspect 'went that way' http://www.upi.com/Odd_News/2016/11/28/Florida-man-hiding-in-pond-tells-deputies-their-suspect-went-that-way/8561480339839/?spt=sec&or=on   Bingeworthy BS- BS- Buckaroo Banzai Grand Tour on Amazon Prime Executioners from Shao Lin Money Worthy (Not BS)- Phone App BS - LetsTag on Android available on Google Play Latest SOCIAL MEDIA STUFF Over on Youtubes! TheOrdinaryHiker- Instagram:   CheapGeek1-  Under $20 LED Driving Lights, DRL and Cheap LED Light Bar! -Cheap Chinese LED- https://youtu.be/Zm2OrBxQnOA Join the CheapGeek Facebook Group- Join! Post stuff! Here's a link- https://www.facebook.com/groups/CheapGeekPage/   Instagram? www.instagram.com/cheapgeekpodcast www.instagram.com/theordinaryhiker Need to Contact Us? Email Info Greg@cheapgeek.net Omi@cheapgeek.net Want to comment about the show? podcast@cheapgeek.net Business Inquiries: cheapgeek@cheapgeek.net NEXT EPISODE TEASER OK THANKS BYE OUTRO MUSIC NEXT TIME   FREE TRIALS AND STUFF..

Ep139 James Marks of WhipLash joins Nathan. James Marks is the Co-Founder and CEO of Whiplash, a shipping department for e-commerce. He negotiated his first commercial lease when he was 17 and has been building companies ever since. YOUR $100: Remember to subscribe to the show on itunes then text the word "nathan" to 33444 to confirm that you've done it to enter to win $100 every Monday on the show. Do this now. Stop reading this and do it! Click here to join the top tribe and instantly learn how Nathan made his first $10k at 19 years old: http://nathanlatka.com/startertribelive 3 Key Points: Whiplash’s success is attributed to being flexible in order to suit their clients’ needs. There is a balance between profitability and growth that affects your company’s stability and direction. For those younger starting out, remember to enjoy the journey because the road is long. Episode Notes:  01:00 – Nathan’s introduction to today’s show 01:17 – James joins the show 01:20 – Whiplash is order fulfillment for e-commerce 01:59 – Shipping might seem like a simple industry but it’s surprisingly difficult 02:26 – 330K in revenue in October from carrier fees, handling fees and monthly storage fees 03:26 – About 600 dollars per client per month. 157 clients equate to roughly 100K per month 04:19 – Whiplash’s warehouses rely on an organizational app 05:41 – The company is currently hiring for the sales and engineering departments 06:07 – James attributes his company’s success to being flexible to customer needs 07:11 – James is more concerned about who is investing in his company than the amount of money they are investing 08:36 – Whiplash is content with slower growth if it means stability and being on track 09:02 – The company launched in 2010 as a part time endeavor – became full time in 2013 10:42 – How Whiplash’s development affected equity distribution among its three cofounders   12:30 – Follow James on twitter and check out his website below 13:48 – Famous Five Related: Want to learn how to go from $0-$10k/mo in revenue fast? Join Nathan live on the Starter Tribe Beta free workshop. Famous 5 Favorite Book?— Small Giants by Bo Burningham What CEO do you follow?— Richard Branson What is your favorite online tool?— Voodoo Pad Do you get 8 hours of sleep?— Yes If you could let your 20 year old self know one thing, what would it be?— It’s going to be a long road, enjoy the process.   Resources Mentioned: Growth Geeks – The way Nathan hires growth hackers on a per project basis for things like info graphics, blog posts, and other growth projects Whiplash – James Marks’ company. dynamidynamics – James’ twitter account Small Giants by Bo Burningham – One of James’ favorite books Voodoo Pad – James’ favorite online tool Richard Branson – CEO James follows. Want to learn how to go from $0-$10k/mo in revenue fast? Join Nathan live on the Starter Tribe Beta free workshop. Listen to The Top if you want to hear from the worlds TOP entrepreneurs on how much they sold last month, how they are selling it, and what they are selling - 7 days a week in 20 minute interviews! Join the Top Tribe at http://NathanLatka.com/TheTop The Top is FOR YOU if you are: A STUDENT who wants to become the CEO of a $10m company in under 24 months (episode #4) STUCK in the CORPORATE grind and looking to create a $10k/mo side business so you can quit (episode #7) An influencer or BLOGGER who wants to make $27k/mo in monthly RECURRING revenue to have the life you want and full CONTROL (episode #1) The Software as a Service (SaaS) entrepreneur who wants to grow to a $100m+ valuation (episode #14). Your host, Nathan Latka is a 25 year old software entrepreneur who has driven over $4.5 million in revenue and built a 25 person team as he dropped out of school, raised $2.5million from a Forbes Billionaire, and attracted over 10,000 paying customers from 160+ different countries.   Oprah gets 60 minutes or more to make her guests comfortable to then ask tough questions. Nathan does it all in less than 15 minutes in this daily podcast that's like an audio version of Pat Flynn's monthly income report. Join the Top Tribe at http://NathanLatka.com/TheTop