Podcasts about 38k

In this episode, I'm speaking with Amy Salmon of Accevo Accounting — who started her firm just nine months ago and has already crossed six figures in revenue. We dive deep into:

In this episode, Ron Apke is joined by guest Logan P., a sales manager and MBA student who jumped into land investing after a game-changing dinner conversation.Initially skeptical, Logan saw his friend Landon's seven-figure success and knew he had to give it a shot. With minimal real estate experience, he and his wife dove in—and the results have been incredible.Logan shares how his first mailer landed four deals, including a subdivide that turned a $38K purchase into nearly $95K in sales—with one parcel still left to sell. He breaks down his process to get this amazing deal, from marketing and negotiations to securing funding.With $140K in profit already in his pipeline and a goal of $500K in 2025, Logan reveals his strategy for scaling and doing more subdivides.The episode wraps up with key advice, the mindset for success, and Logan's dream of financial and time freedom. Don't miss this inspiring story!================================ WANT TO GET STARTED?⁠⁠https://landinvestingonline.com/starter-guide-phone/⁠⁠================================SOCIALRon's Instagram

Join my Facebook group, Tax Strategies for Real Estate Investors, and become part of a community with 11,500+ high-level real estate investors►Join here: ⁠https://www.facebook.com/groups/taxstrategyforinvestors⁠In this episode, I sit down with Matt Stillman, a seasoned real estate investor and entrepreneur, to discuss his journey from financial struggle to building a thriving real estate portfolio. Matt shares how he went from earning $38K per year to making six figures in just six months, only to lose his job and use that setback as fuel to become a self-made real estate investor. We dive deep into mindset shifts, portfolio optimization, and the tough lessons he learned along the way. If you're looking to break free from financial limitations and scale your investments, this episode is packed with actionable insights.Timestamps:00:00:00 – Intro00:01:19 – Matt's journey from struggle to success00:04:06 – How a mentor changed Matt's financial mindset00:05:38 – Scaling from 1 to 51 properties00:09:13 – Getting fired & the wake-up call to entrepreneurship00:12:47 – The power shift: Making $50K on your own vs. $250K as a W200:17:00 – How Matt optimizes his portfolio for maximum returns00:21:59 – When to sell vs. hold real estate investments00:28:26 – The cost of bad investments & lessons learned00:35:30 – Why mindset is the key to scaling your business00:42:56 – Breaking free from financial programmingInterested in working with me? Apply here:► https://taxstrategy365.com/apply?el=podcastLet's connect!► Instagram: https://www.instagram.com/ryanbakkecpa/► LinkedIn: https://www.linkedin.com/in/learnlikeacpa/► Twitter: https://x.com/RyanBakkeCPA► Facebook: https://www.facebook.com/ryanbakkecpa► TikTok: https://www.tiktok.com/@ryanbakkecpa⁠*None of this is meant to be specific investment advice, it's for entertainment purposes only.

Donald Trump har inntatt det Hvite Hus og er snart to uker på vei i sin andre presidentperiode. Som ventet har det allerede medført en god del støy, men også flere konkrete handlinger. Samtidig er mye fremdeles uklart knyttet til hva Trump faktisk vil gjøre med ulike områder som tariffer, immigrasjon og sikkerhetspolitikk.Hva nå? I denne episoden har Marius Brun Haugen med seg tidligere diplomat Kåre Aas, aksjestrateg Paul Harper og investeringsstrateg Lars-Erik Aas for en oppdatering.Kapitler:Velkommen: 00:00 – 02:30Status Trump: 02:32 – 11:30Immigrasjonsspørsmålet: 11:32 – 14:30Tariffer: 14:32 – 18:55Norge og Trump: 18:57 – 27:50Geopolitikk: 27:57 – 35:25Harper om Trump, aksjer og en svipptur innom Grønland: 35:27 – 42:24Lars-Erik om Trump og porteføljesammensetting: 42:25 – 43:38Kåre om Norge bør være optimistisk heller enn pessimistisk knyttet til amerikanske relasjoner: 43:39 – 44:49Episoden ble spilt inn torsdag 30. januar 2025Produsent: Kim-André Farago, DNB Wealth Management Hosted on Acast. See acast.com/privacy for more information.

It’s time for our weekly Call It Now segment to see if Wyman & Bob can predict the future of the Seahawks final Week 18 matchup against the rams. // Take Two: Seahawks have released their Friday injury report - Abe Lucas and Josh Jobe are out, Byron Murphy II is questionable. Seahawks rookie Byron Murphy II was slapped with a $38K tab at the annual Seahawks rookie dinner. // Seahawks Offensive Lineman Michael Jerrell joins the show to talk about the upcoming final game of the season, how his season has gone and a look to what’s to come next season. // Seahawks QB Geno Smith spoke to the media yesterday and talked about the team’s mindset going into the final game of the season. He explained that coach Macdonald will be playing the starters and encouraging guys to reach their milestones and financial incentives. 

Although Bitcoin is pushing higher and higher, all eyes were on US spot Bitcoin ETFs, which saw eye-watering numbers. BlackRock posted $1.1B in inflows yesterday, with all 11 ETFs bringing in $1.34B — a number that surprised even the most seasoned ETF analysts. After a Bitcoin rundown, we go through a complete overview of Ethereum as it stands, why it is currently thriving and perhaps even hinting at a "monster rally." Then we will look at an uncomfortable emerging trend as yet another prominent crypto figure is kidnapped.Further reading:BTC price sets fresh all-time high near $77K amid 'long squeeze' fearsBTC investors pour $1.1B into BlackRock ETF as Bitcoin marks another highEthereum set for a ‘monster rally' as price nears $2.9KEthereum deploys nearly $500M to ecosystem projects in 2022–23: ReportEthereum fees poised for rebound amid L2, blob uptickEthereum holder turns $38K into $30M after 8 yearsWonderFi CEO kidnapped and forced to pay $1M ransom: ReportRise'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.

Sameer Al-Sakran is CEO of Metabase, the open-source analytics and business intelligence platform. Their open source project, also called metabase, has over 38K stars on GitHub. Metabase has raised $51M from investors including NEA, Insight and Expa. In this episode, we dig into the company's 10 year journey, what it means to have a "developer friendly analytics platform", eliminating the friction with BI by making Metabase super fast to get started with, keeping the product simple, juggling short-term execution with their long-term vision & more!

In this episode, we're joined by founder and owner of BSC (Belong To A Stronger Crowd) Rhys Jenkins who has been an FMA client since March 2022. Rhys talks with Charlie, exploring how he opened his small group personal training gym in Bicester with a focus on client transformations and community spirit. BSC and its brand has grown and developed alongside Rhys and his skills as a gym owner and manager. Rhys outlines the importance of lead reactivations and proper delegation to your team of staff. Find out what Rhys changed in his marketing and sales strategies in order for BSC to double its conversion rate, boost its monthly revenue to £38K, and increase its member prices. Watch this episode to find out how Rhys transformed his gym. Key Highlights: -How Rhys transformed his gym space and branding -Price increases and how to minimise impact on client drop off -Ex-client reactivation and the importance of warm leads -Balancing the importance of front-end sales against client fulfilment -How the client journey, the onboarding experience, and staff quality is vital to retention  -Managing delegation and finances as a business owner    To find out how Fitness Marketing Agency can help your Fitness Business, book a demo call using the link below: https://fitnessmarketing.agency/high-growth    Connect with Fitness Marketing Agency on Instagram: https://www.instagram.com/fitnessmarketingagency/    Connect with BSC https://www.instagram.com/bsc_hq/ Connect with Rhys https://www.instagram.com/bsc_rj/

Have you ever flown business or first class? Want to fly premium cabins more often without dishing out a lot of cash? Dave Grossman has spent over 15 years traveling the world in first class using points and miles, saving tens of thousands of dollars. He breaks down the differences between points, miles, and cashback, and explains why transferable points offer the ultimate flexibility.  Dave also shares insights on how to exponentially earn more rewards to afford business and first-class tickets, the best times to book these flights, and the importance of being flexible with dates and locations. If you're looking for more advanced travel hacking strategies beyond opening new credit cards and using shopping and dining portals, this episode is packed with valuable tips and strategies to elevate your travel experiences using points and miles. Can't get enough points and miles, tips, and money saving strategies? Find all my travel-hacking episodes neatly organized in a Spotify playlist below. 

Welcome to a new episode of Get Creative! In this episode, we're joined by Jeff Smith as they talk about their success in creative real estate investing. Join us to listen to how they turned a challenging deal into a $38K payday. They share their strategies for navigating competitive markets, building trust with sellers, and easily closing deals.    Highlights: "You are there to listen for the symptoms so you can diagnose the disease and then prescribe the right medicine." "If I could show you a way to write you a check and get this done with full certainty, are you open to something a little different?" "The power of the sub two community is that my stories are your stories, and our collective experience can be leveraged for your success."   Timestamps:  01:15 - Finding the Deal 03:29 - Diagnosing Seller Needs 05:00 - Engaging All Decision Makers 07:16 - Presenting Creative Offers 10:00 - Handling Seller Objections 13:09 - Closing the Deal 17:10 - Benefits of Creative Financing 21:04 - Partnering with Community Members 24:29 - Lessons Learned and Advice ► Join The Subto Community & Learn Creative Finance Directly from Pace:  https://paceapproves.com/subto-gc ► Want to Become a Private Money Lender? Join Us For The Upcoming LIVE Training this Saturday to Learn How to Lend Money on Real Estate Deals: http://joingatortribe.com/yt   ► Join Our Free Facebook Group to Connect with Pace and his Students: https://paceapproves.com/freefb-yt   ► Become a Top Tier Transaction Coordinator and Make Money Doing The Paperwork For Real Estate Transactions: https://paceapproves.com/tttc-gc   ► Listen To Pace and His Students Share Insider Secrets To Real Estate Investor Success: https://getcreativepodcast.com/   PLUG IN & SUBSCRIBE Instagram: https://www.instagram.com/pacemorby/ TikTok: https://www.tiktok.com/@pacemorby

In this episode, Anna, Janet and Devan interview Liz Koch, DPT and founder of The Ride Life a program for women to build strength and confidence on and off the bike.  Liz is also a Level I PIMBIA Coach and her Facebook community has over 38K women.  Liz took her own physical challenges she experienced herself and created a strength and training program in 2018.       Learn more about Liz's Mountain Bike Strength and Training Programs for Women:IG: @the.ride.life.mtb.ladiesWebsite: https://www.theridelife.comOur shout out goes to The Prouty, northern New England's largest family-friendly fundraising event combining cycling, walking, rowing, golf and more to raise funds and awareness for life-saving research and critical patient and family support services at Dartmouth Cancer Center.  This year for the first time ever, we have a Mountain Bike route at The Prouty on Saturday, July 13. Enjoy 18 miles of fun climbs and thrilling downhills at Oak Hill. Our Mountain Bike will start and finish at Richmond Middle School and our route is designed for intermediate riders. This event will be capped at 200 bikers with a staggered start as we pilot this new event.https://getinvolved.dartmouth-hitchcock.org/site/TR/FriendsConditional/General-FNCCC?fr_id=2050&pg=entryAs a reminder, our episodes are live on the 3rd Tuesday of the Month, our next episode will air on June 18th. Check out our website: GLOW MTBFollow us on Instagram: @glow_mtbJoin our Facebook Group: GLOW MTBSend us an Email: mtbglow@gmail.com Thank you for listening to the GLOW MTB Podcast! We are the Glorious Ladies on Wheels are here to share stories, tips and tricks all about mountain biking and keeping you informed of what is happening in our incredible community. GLOW is located in the Upper Valley of VT/NH and your hosts for the Podcast are Anna, Janet and Juli. Kickstands Up!

Culture Shock Intro 00:00:00Vintage Culture, Maverick Sabre & Tom Breu - Weak 00:00:41anamē - Bermondsey Bender (ANUQRAM Remix) 00:06:18Sultan + Shepard - En 00:08:38Kölsch - I Talk To Water with Perry Farrell (CamelPhat Remix) 00:14:34CamelPhat - Running Man 00:17:40Oliver Koletzki, Andhim - Branka 00:21:06YOTTO - Just Over (Franky Wah Remix) 00:24:24Odd Mob & OMNOM & HYPERBEAM - All Day, All Night 00:27:00ARTBAT & Another Life - In Your Arms 00:29:48Magnus - Poison 00:32:51Dark Heart & Be No Rain - Visions 00:38:41Low Steppa & Tony Romera - Dance To The Music 00:41:59Rebūke ft. Ella Balinska - Digital Dream 00:45:02Gorgon City ft. BbyAfricka - Biggest Regret 00:49:02Dean Walker, Savage & SHē - Saint Tropez 00:52:51Dimitri Vegas x Chapter & Verse x Goodboys - Good For You 00:56:39

Episode 13 - Run to Wu:   Number 13 may be unlucky for some but for episode 13 we were lucky enough to bag a very special guest in the form of Will Fu AKA The Wu.   Andy and Brett chat to Will to find out about how he got into running, his sub 3 hour attempt trilogy at Manchester next week, Amsterdam marathon putting him on his ass with cramp at 38K, race nutrition and electrolytes, his training block so far, foot issues and the cause, Chesterfield 10K and the legend of Barry's Videos, running whilst being a new dad, Valencia marathon, his plans for Manchester, why he doesn't run marathon pace in his long runs, London moving the Good For Age goalposts, final taper week coming up, carb loading and he answer the hot question: Is Altrincham hill really a hill? Then we finish off with BEOTPQ featuring The Wu before we say Mumbai bye bye!   Questions of the pod: What film would you rent from Barry's Videos? How are you planning to carb load for your upcoming race?   Do you have a question for the pod? If so, comment on the YouTube video, send us a message on Instagram or email it to runningtheredlinepod@gmail.com   As runners, we all challenge ourselves in ways we never thought possible. Pushing the boundaries of what we're capable of to smash through targets and set ourselves new bigger and better ones.   This awesome hobby we share gives us one thing in common and it brings us together as a community. Whether you're working towards completing your first Parkrun, or you're a veteran of the sport who's run 100 ultra marathons, we all know the feeling of reaching that maxed out effort and our own Red Line.   Welcome to our podcast where your hosts Brett Elesmore and Andy Maguire discuss the struggles, the successes and everything in-between on our running journeys as we all work towards the next time we're Running The Red Line...

Netflix reports earnings after the close today as investors await details on subscriber and revenue growth. Main Street Research's James Demmert tees up the results. Plus, the Dow has closed at a record high for the third time this year, topping 38K for the first time ever. Horizon Investments' Scott Ladner explains. And, the latest wave of earnings is set to be the key driver for the markets. Capital Wealth Planning's Kevin Simpson discusses.

It was a rough day in crypto yesterday as Grayscale sold off another $600 million of Bitcoin, but now we know why. Armed with that information, there are far more positives than people might realize. Speaking of positives, Mt. Gox creditors may finally see some repayments, and we have three bull market narratives for 2024 you may not have heard of!Further reading:Bitcoin price falls to 6-week low under $40K — Nancy LubaleBTC price analysis sees $38K next if Bitcoin fails to rally bulls — William SubergMt. Gox confirms creditors' Bitcoin addresses for repayment: Report — Helen PartzUS lawmakers press Meta over crypto and blockchain plans — Jesse Coghlan3 bull market narratives for 2024 that you haven't heard about yet — Lugui TillierSo, 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.

US equity markets extended their recent rally, with both the Dow and S&P500 recording fresh record highs - Dow added +138-points or +0.36% to 38,001.81, settling above >38K for the first time. Including the overnight session, it has been 25 trading days since the last 1,000-point milestone for the Dow, which is the shortest time between milestones since the period between 33,000 and 34,000, according to Dow Jones Market Data.

US equity markets extended their recent rally, with both the Dow and S&P500 recording fresh record highs - Dow added +138-points or +0.36% to 38,001.81, settling above >38K for the first time. Including the overnight session, it has been 25 trading days since the last 1,000-point milestone for the Dow, which is the shortest time between milestones since the period between 33,000 and 34,000, according to Dow Jones Market Data.

QLD's best MM's hopeful Astapor will face his acid test against Storm Boy and Co this weekend at Eagle Farm. Chinchilla owner Rodney Hay says he feels blessed to have secured the Tassort colt for $38K.

Andrew M Jones PhD DSc is Professor of Applied Physiology in the Department of Sport and Health Sciences at the University of Exeter. He's internationally recognized for his research in the control of, and limitations to, skeletal muscle oxidative metabolism; causes of exercise intolerance in health and disease; respiratory physiology, particularly the kinetics of pulmonary gas exchange and ventilation during and following exercise; and sports performance physiology and nutrition, particularly in relation to endurance athletics. Prof Jones has authored more than 350 original research and review articles (>38K citations) and is co-Editor of three books. He is a Fellow of the American College of Sports Medicine, the British Association of Sport and Exercise Sciences, the European College of Sport Science, and the Physiological Society. Jones is Editor-in-Chief of Medicine & Science in Sports & Exercise and serves on the Editorial Board of six other international journals in sports medicine and exercise science. Prof Jones has acted as a consultant to a number of governing bodies of sport or commercial companies including UK Athletics, the English Institute of Sport, Gatorade Sports Science Institute and Nike Inc. He's been an advisor and consultant to the Breaking 2 and INEOS projects with Eluid Kipchoge and professional endurance athletes including Paula Radcliff. Professor Jones gives his understanding of the evidence of the performance effect of the so called “super shoes” and whether they explain the recent pro marathon runner excess performance and if so, by how much. Amateur marathon runners may find interesting our exchange about the Boston Marathon and how it is getting harder to get into, and what amateur marathoners must do to enhance performance in order to qualify and get into the Boston Marathon today. Professor Jones gives his perspective on the popularized notion that when it comes to marathon training “volume is king” and if not, what would be the alternative. We talk about distance runners that are getting older, and how Professor Jones recommends changing training, if at all, for those looking to remain competitive. Finally, we talk about science and evidence-based nutrition protocol throughout the training cycle and pre-race and race nutrition. About Andrew Jones https://sshs.exeter.ac.uk/staff/profile/index.php?web_id=Andrew_Jones Twitter/X https://twitter.com/AndyBeetroot Find Us:Facebook: https://Facebook.com/EventHorizon.TvTwitter: https://twitter.com/EventHorizonTvInstagram: https://instagram.com/eventhorizon.tvYouTube: https://youtube.com/c/EventHorizonTvSupport Us:https://Patreon.com/Endurancehttps://paypal.me/EnduranceExperience

In honor of “Marginal Funding Week” for 2023 Giving Season on the EA Forum, I'd like to tell you what Rethink Priorities (RP) would do with funding beyond what we currently expect to raise from our major funders, and to emphasize that RP currently has a significant funding gap even after taking these major funders into account.A personal appealHi. I know it's traditional in EA to stick to the facts and avoid emotional content, but I can't help but interject and say that this fundraising appeal is a bit different. It is personal to me. It's not just a list of things that we could take or leave, it's a fight for RP to survive the way I want it to as an organization that is intellectually independent and serves the EA community.To be blunt, our funding situation is not where we want it to be. 2023 has been a [...] ---Outline:(07:00) General(07:03) $1K - $10K per research work to allow us to publish our backlog of research(11:29) Worldview Investigations(11:33) $200K to do cause prioritization research and build on the cross-cause model(14:27) $500K to do more worldview cause exploration(14:58) Surveys and Data Analysis(15:02) $60K to run the next EA Survey(16:01) $40K-100K to more rigorously understand branding for EA and existential risk(17:56) $25K-$100K to more rigorously understand EA's growth trajectory(18:53) $40K to more rigorously understand branding for AI risk outreach(19:35) $50K to more rigorously understand why people drop out of EA(20:03) Animal welfare(21:17) $250K to create a review of interventions to reduce the consumption of animal products(22:10) $38K to create a Farmed Animals Impact Tracker(23:09) $60K to understand interventions that would address crustacean welfare(23:39) $50K for development and implementation of an insect farming welfare ask(24:32) $100K to develop a database of possible near-term interventions for wild animals(25:15) $75K to do a theory of change status report for the animal advocacy movement(26:13) $300K to develop a better system similar to QALYs/DALYs but for animals(27:18) Global Health and Development(27:22) $405K to pilot our Value of Research model(29:21) AI Governance(29:25) $15K to write up learnings from spending a year attempting longtermist incubation(30:07) $114K to train an additional AI policy researcher(31:05) Included with your donation: talent pipelines and field building(33:45) Conclusion(36:19) Acknowledgements--- First published: November 21st, 2023 Source: https://forum.effectivealtruism.org/posts/cMcEBSNiy4meDrmuE/rethink-priorities-needs-your-support-here-s-what-we-d-do --- Narrated by TYPE III AUDIO.

In this episode, Aaron discusses the recurring mantra of questioning established methods and practices: "Why do I do it this way?" He reflects on how often we fall into the habit of following outdated or inefficient processes without considering their necessity or impact. He also highlights the importance of embracing change and adaptability. He emphasizes that asking this question can lead to increased efficiency, productivity, and overall success by challenging obsolete practices. Lastly, Aaron encourages people to consider if there is a better, more efficient way of doing things. HIGHLIGHTS: ● The questioning established routines ● Habits are often followed without thought, leading to outdated methods ● Asking, "Why do I do it this way?" can identify unnecessary tasks ● Adapting and changing methods is important for efficiency ● Self-reflection can lead to streamlined processes ● Continuous optimization leads to greater success ● Embracing change for better outcomes SOCIAL MEDIA: ✅Subscribe to Aaron's Channel: https://www.youtube.com/channel/UC2SL5iGQlGaTEbvsqpG_oIA *Get notified whenever Aaron goes post! ✅Follow Aaron Clippinger and The AC Method on Instagram: https://www.instagram.com/theacmethod/ TIME STAMPS ● 00:00: Prelude ● 00:14: Question: Why do it this way? ● 01:12: Organize projects with color-coding ● 02:12: Organization gone wrong: 38K lost ● 03:05: Organize digitally and replace the filing cabinet ● 04:29: Explore why we do things ● 05:23: Obsolete manners: bad manners ● 06:24: Tracking projects with a ledger book ● 07:17: Blindly following an obsolete process ● 08:28: Wasted time, wrong process, no AP ● 09:57: "Question archaic processes, move forward." ● 10:39: END Learn more about your ad choices. Visit megaphone.fm/adchoices

Todd Ogasawara and Jon Westfall are joined by Jack Cook for this podcast. They discuss: Meta Threads finally has a web UI Notion AI Foundry tech magazines (Macworld, PCWorld, Tech Advisor, and TechHive archive as knowledge source for an AI chatbot Python =PY() coming to Excel Wordpress 100-year $38K domain/site Fried chicken (???)

Quentin de Quelen is Co-Founder & CEO of Meilisearch, the open source search engine platform. The Meilisearch project has 38K stars on GitHub and allows companies to quickly create amazing search experiences with features that work out-of-the-box. Meilisearch has raised $22M from investors including Felicis and CRV. In this episode, we dig into the massive TAM for search, working with the Rust community, what an amazing developer experience means for a search product, Meilisearch's roadmap (hint: it involves LLMs and AI-enabled search), Quentin's journey from developer to company leader, the company's focus on diversity & much more!

saas.unbound is a podcast for and about founders who are working on scaling inspiring products that people love brought to you by https://saas.group/ . I'm your host Anna Nadeina, Head of Growth for saas.group. In this episode #22, we are talking with David Heinemeier Hansson, co-founder of @basecamp (https://37signals.com/), the business that makes Basecamp, Hey.com, and many other awesome products. David shares his vision for cloud expenses and the possibilities to change the situation. They've been moving all their products off the cloud recently and could lower their cloud expenses from a staggering $38K per month to save another $7M in the next 3 years. Subscribe to our channel to be the first to see the interviews that we publish twice a week - https://www.youtube.com/@saas-group/Stay up to date: LinkedIn - https://www.linkedin.com/company/14790796Twitter - https://twitter.com/SaaS_group Website - https://saas.group/

How To Get $6.6M Out Of One Salesperson. One facet of our businesses that will undoubtedly look wildly different in 10 years is in-home selling. How we sell leads into closed deals hasn't changed much and is ripe for major disruption. Think about it… Get lead ➡️ Call lead ➡️ Call lead again cuz they didn't pick up ➡️ Qualify lead over the phone ➡️ Schedule appointment ➡️ Do appointment ➡️ Close deal ~40% of the time ➡️ Follow up with the rest until you're blue in the face. This way of going about it leaves a few things to be desired. For one, there's very little time spent actually selling. The drive there. The drive back. The time spent measuring or building a scope. Oh, and don't forget about the four outbound calls you had to make to reach them in the first place. Rising costs in fuel make this format increasingly burdensome too. And then there are changing buyer preferences to consider: Baby boomers may welcome us for a cup of coffee and a two-hour chit-chat in the backyard, but are millennials looking for that level of personal touch when they need work done? Doubt it. My personal take? In-home selling is ripe for disruption and is about to evolve in ways that will blow your mind. Brad Baker and Devon Crowell of Artisan Roofing are at the forefront of this progression. Using marketing automation, clever email nurtures, EagleView reports, and a VA in the Philippines, they drove 6.6 Million in sales out of one salesperson in one of the worst markets (economically speaking) in the country. BTW, they did this all in a city of only 116,000 where the average income is 38K. Oh, and the kicker...zero time lost in the car driving from appointment to appointment. This conversation highlights the story of a roofing company. But the overall thought process and implementation will have parallels and learnings for any contractor. The lingo might be different, and the tools might vary, but mark my words, this is the way it's going, no matter your industry niche. To hear how these two are pioneering a brand new way of selling, watch this episode. Highlights -How Artisan roofing hit 6.6 M in sales with 1 salesperson selling small residential jobs -Where Artisan roofing borrowed from other industries to design their sales system to be hyper-efficient -How it's possible to provide a very personal experience in an 'automated' sales process -The changing landscape of sales in 2023 and what it means for contractors in the next 10 years To learn more about Breakthrough Academy, click here: https://trybta.com/YTEP96 To Download A Visual Representation Of The Artisan's Sales Process, click here: https://trybta.com/YTDLEP96 To get in touch with Brad & Devon you can email: marketing@artisanroofing.ca Watch the episode on PCA Overdrive PCA Overdrive is free for members. Not a member? Try our 7-day free trial. Download the app on the Apple Store or Google Play. Become a PCA member Contact BTA: https://pca.so/btapcace

This week on the More Money Podcast, Clarissa Moore from Clarissa Explains Money joins me on the show to talk about debt, credit scores, and the importance of mental health. Clarissa is such an inspiration in the personal finance space and a great example that personal finance is for everyone and anyone can learn how to get better with their money. Clarissa is a money coach and money expert. After paying off over $38K in credit card debt in 16 months and increasing her credit score, she founded Clarissa Explains Money, LLC to help narrow the gender gap in financial literacy. Clarissa's mission is to help women make, manage, and multiply their money so they can live their best life without going broke. In this episode, Clarissa shares the challenges she faced as a single mom of two and climbing her way out of credit card debt. She also shares the importance of talking about money and how it affects our mental health. It was such a pleasure to chat with Clarissa I know you'll love listening to this episode. For full episode show notes visit: https://jessicamoorhouse.com/359

To learn more about Breakthrough Academy, click here: https://trybta.com/PCEP96 To Download A Visual Representation Of Artisan's Sales Process, click here: https://drive.google.com/file/d/1lkfp3NXG6r0QjFNu_5ts6qY_B8pUYatM/view?usp=share_link To get in touch with Brad & Devon you can email: marketing@artisanroofing.ca One facet of our businesses' that will undoubtedly look wildly different in 10 years is in-home selling.   How we sell leads into closed deals hasn't changed much and is ripe for major disruption.  Think about it…   Get lead > Call lead > Call lead again cuz they didn't pick up > Qualify lead over the phone > Schedule appointment > Do appointment > Close deal ~40% of the time > Follow up with the rest until you're blue in the face. This way of going about it leaves a few things to be desired.  For one, there's very little time spent actually selling.  The drive there.  The drive back.  The time spent measuring or building a scope.  Oh, and don't forget about the four outbound calls you had to make to reach them in the first place.  Rising costs in fuel make this format increasingly burdensome too.   And then there are changing buyer preferences to consider:  Baby boomers may welcome us for a cup of coffee and a two-hour chit-chat in the backyard, but are millennials looking for that level of personal touch when they need work done?  Doubt it. My personal take?  In-home selling is ripe for disruption and is about to evolve in ways that will blow your mind. Brad Baker and Devon Crowell of Artisan Roofing are at the forefront of this progression.   Using marketing automations, clever email nurtures, EagleView reports, and a VA in the Philippines, they drove 6.6 Million in sales out of one salesperson in one of the worst markets (economically speaking) in the country.  BTW, they did this all in a city of only 116,000 where the average income is 38K. Oh, and the kicker….zero time lost in the car driving from appointment to appointment. This conversation highlights the story of a roofing company. But the overall thought process and implementation will have parallels and learnings for any contractor. The lingo might be different, and the tools might vary, but mark my words, this is the way it's going, no matter your industry niche. To hear how these two are pioneering a brand new way of selling, listen to this episode. Highlights: How Artisan roofing hit 6.6 M in sales with 1 salesperson selling small residential jobs Where Artisan roofing borrowed from other industries to design their sales system to be hyper efficient How it's possible to provide a very personal experience in an 'automated' sales process The changing landscape of sales in 2023 and what it means for contractors in the next 10 years See omnystudio.com/listener for privacy information.

To learn more about Breakthrough Academy, click here: https://trybta.com/PCEP96 To Download A Visual Representation Of Artisan's Sales Process, click here: https://drive.google.com/file/d/1lkfp3NXG6r0QjFNu_5ts6qY_B8pUYatM/view?usp=share_link To get in touch with Brad & Devon you can email: marketing@artisanroofing.ca One facet of our businesses' that will undoubtedly look wildly different in 10 years is in-home selling.   How we sell leads into closed deals hasn't changed much and is ripe for major disruption.  Think about it…   Get lead > Call lead > Call lead again cuz they didn't pick up > Qualify lead over the phone > Schedule appointment > Do appointment > Close deal ~40% of the time > Follow up with the rest until you're blue in the face. This way of going about it leaves a few things to be desired.  For one, there's very little time spent actually selling.  The drive there.  The drive back.  The time spent measuring or building a scope.  Oh, and don't forget about the four outbound calls you had to make to reach them in the first place.  Rising costs in fuel make this format increasingly burdensome too.   And then there are changing buyer preferences to consider:  Baby boomers may welcome us for a cup of coffee and a two-hour chit-chat in the backyard, but are millennials looking for that level of personal touch when they need work done?  Doubt it. My personal take?  In-home selling is ripe for disruption and is about to evolve in ways that will blow your mind. Brad Baker and Devon Crowell of Artisan Roofing are at the forefront of this progression.   Using marketing automations, clever email nurtures, EagleView reports, and a VA in the Philippines, they drove 6.6 Million in sales out of one salesperson in one of the worst markets (economically speaking) in the country.  BTW, they did this all in a city of only 116,000 where the average income is 38K. Oh, and the kicker….zero time lost in the car driving from appointment to appointment. This conversation highlights the story of a roofing company. But the overall thought process and implementation will have parallels and learnings for any contractor. The lingo might be different, and the tools might vary, but mark my words, this is the way it's going, no matter your industry niche. To hear how these two are pioneering a brand new way of selling, listen to this episode. Highlights: How Artisan roofing hit 6.6 M in sales with 1 salesperson selling small residential jobs Where Artisan roofing borrowed from other industries to design their sales system to be hyper efficient How it's possible to provide a very personal experience in an 'automated' sales process The changing landscape of sales in 2023 and what it means for contractors in the next 10 years See omnystudio.com/listener for privacy information.

The range of emotions on display Tuesday at the Crypt was extensive.On the one hand, LeBron James accomplished something truly remarkable, passing Lakers (and NBA) legend Kareem Abdul-Jabbar to become the NBA's all-time leader in points scored. It came late in the third quarter, with a turnaround jumper over Oklahoma City forward Kenrich Williams. For James, it was the culmination of 20 years' worth of incredibly consistent performance. 27 points a game for two decades, on top of all the assists, the winning and more. One doesn't just stumble into 38K+ points.He was surrounded by family, by friends, and by basically everyone he considered a key part of his journey as a player and a person, and seemed genuinely moved by the moment and the achievement, even while knowing that the record would be his, barring some type of catastrophic happening. For all his talent, particularly given LeBron's background, none of this was a given.Kareem, for his part, looked pleased, and the moment gave people a reason to stop and remember how good he was, as well.But the Lakers lost the game, and it was a costly one. The team looked discombobulated, not quite sure how to handle LeBron's chase and still play the game. But while you might expect that to hurt them offensively, that wasn't the issue. The Lakers simply couldn't get any stops. They scored 66 points in the first half, and finished it down by 10. Anthony Davis felt oddly detached throughout the game, and picked a really bad time to be very unproductive. Darvin Ham's dedication to ineffective lineups continued. Russell Westbrook had some awful turnovers, and as a team the Lakers gave the ball up 20 times.This one hurt, and the Lakers are running out of time to set things right.HOSTS: Andy and Brian KamenetzkySEGMENT 1: LeBron James passes Kareem Abdul-Jabbar to become the NBA's all-time leading scorer.SEGMENT 2: Looking back on how LeBron got here, and what he's accomplished.SEGMENT 3: The Lakers lost a really important game, never really threatened to win, and Anthony Davis was a no-show.Support Us By Supporting Our Sponsors!Built BarBuilt Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKEDON15,” and you'll get 15% off your next order.PrizePicksFirst time users can receive a 100% instant deposit match up to $100 with promo code LOCKEDON. That's PrizePicks.com – promo code; LOCKEDONLinkedInLinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONNBARocket MoneyStop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to RocketMoney.com/LOCKEDONNBA.FanDuelMake Every Moment More. Place your first FIVE DOLLAR bet to get ONE HUNDRED AND FIFTY DOLLARS in Free Bets – win or lose! Visit Fanduel.com/LockedOn today to get startedFANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN) Learn more about your ad choices. Visit podcastchoices.com/adchoices

The range of emotions on display Tuesday at the Crypt was extensive. On the one hand, LeBron James accomplished something truly remarkable, passing Lakers (and NBA) legend Kareem Abdul-Jabbar to become the NBA's all-time leader in points scored. It came late in the third quarter, with a turnaround jumper over Oklahoma City forward Kenrich Williams. For James, it was the culmination of 20 years' worth of incredibly consistent performance. 27 points a game for two decades, on top of all the assists, the winning and more. One doesn't just stumble into 38K+ points. He was surrounded by family, by friends, and by basically everyone he considered a key part of his journey as a player and a person, and seemed genuinely moved by the moment and the achievement, even while knowing that the record would be his, barring some type of catastrophic happening. For all his talent, particularly given LeBron's background, none of this was a given. Kareem, for his part, looked pleased, and the moment gave people a reason to stop and remember how good he was, as well. But the Lakers lost the game, and it was a costly one. The team looked discombobulated, not quite sure how to handle LeBron's chase and still play the game. But while you might expect that to hurt them offensively, that wasn't the issue. The Lakers simply couldn't get any stops. They scored 66 points in the first half, and finished it down by 10. Anthony Davis felt oddly detached throughout the game, and picked a really bad time to be very unproductive. Darvin Ham's dedication to ineffective lineups continued. Russell Westbrook had some awful turnovers, and as a team the Lakers gave the ball up 20 times. This one hurt, and the Lakers are running out of time to set things right. HOSTS: Andy and Brian Kamenetzky SEGMENT 1: LeBron James passes Kareem Abdul-Jabbar to become the NBA's all-time leading scorer. SEGMENT 2: Looking back on how LeBron got here, and what he's accomplished. SEGMENT 3: The Lakers lost a really important game, never really threatened to win, and Anthony Davis was a no-show. Support Us By Supporting Our Sponsors! Built Bar Built Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKEDON15,” and you'll get 15% off your next order. PrizePicks First time users can receive a 100% instant deposit match up to $100 with promo code LOCKEDON. That's PrizePicks.com – promo code; LOCKEDON LinkedIn LinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONNBA Rocket Money Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to RocketMoney.com/LOCKEDONNBA. FanDuel Make Every Moment More. Place your first FIVE DOLLAR bet to get ONE HUNDRED AND FIFTY DOLLARS in Free Bets – win or lose! Visit Fanduel.com/LockedOn today to get started FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN) Learn more about your ad choices. Visit podcastchoices.com/adchoices

The Chevrolet Bolt is a great electric vehicle with some 250 miles of range at a starting price of $26,600. The slightly larger EUV model can now be had in Redline trim. Is it just stripes and wheels or does it add some bolt to the Bolt? Tom Voelk checks out a fully loaded Premier Redline in Silver Flare Metallic that retails for less than $38K before any state or federal tax incentives. And that's equipped with the true handsfree Super Cruise system. There is that pokey DC fast charge rate though…

The Real Ms. Lacy the Spiritual Realtor, Abundance Coach, and Manifestation Advisor has dedicated her life to supporting and coaching single mothers who lack the support they need to create balance in being a mom and living out their best life. She's channeled a unique framework that teaches women how to transform their shadow work and healing into a life of abundance in all forms mentally, physically, and spiritually. In this episode, we chat about: 5 steps to buying a home Ideas on how to increase income The mental programs that might be keeping you stuck How Lacy manifested $38K ...and more! You can connect with Lacy in the following ways: Website: https://dreamtimelinegarden.com/ Instagram: https://www.instagram.com/therealmslacy/ Resources: NACA: https://www.naca.com/ Mint: https://mint.intuit.com/ True Bill: https://www.rocketmoney.com/ Hiatus: https://www.hiatusapp.com/ Bill Bot: https://billbot.app/

In this episode, we discuss Walker Howard's decision. Does it make sense? We also talk about the new linebacker addition from Oregon State, Omar Speights. The Lady Tigers are #3 team for the first time since '06. LeBron hits 38K. All this and more.

All things considered, the Lakers played a pretty good game Sunday. LeBron James, who crossed the 38K threshold for career points, was excellent (35/8/10/1/1 on 15-24 shooting). Russell Westbrook was (for the most part) good until the last 14 seconds. (More on that in a minute.) The Lakers got contributions from Wenyen Gabriel, Troy Brown and more as they went toe-to-toe with one of the better teams in the Eastern Conference before losing 113-112.But that final possession was as bad as any possession can be. With 14 seconds remaining, the Westbrook rebounded a Joel Embiid miss, and pushed the ball up the court. Darvin Ham elected not to call timeout. Westbrook never gave up the ball, dribbling down the clock trying to break down Embiid. In the end, it was hard to tell if the thing Westbrook kinda sorta threw up near the bucket was a pass for Gabriel or a shot (Westbrook for his part focused more on the fact he thought he was fouled doing whatever it was he was doing).James never touched, or even threatened to touch, the basketball.And that, unquestionably, was the main topic of conversation following the game. There is a school of coaching philosophy that says it's better to let play continue than give coaches and opportunity to make substitutions, set a defense and so on. The Lakers, though, have been a horrible late game team, with bad execution, particularly in the context of open court play. So is it best to have these guys just free flow, especially as Westbrook finds himself one-on-one against one of the league's best defenders?Ham's choices are getting much more scrutiny these days, especially after he admitted he should have tried to get the ball out of Luka Doncic's hands before the Dallas star pushed Thursday's game into OT, a game the Lakers would eventually lose.LeBron was visibly frustrated after the game, off the floor and in the tunnel before Russ was even up off the ground on the final play, then giving short, curt answers to the media in the locker room. All of that, because he's LeBron, will be noted and discussed.Finally, when is AD coming back? He was on the floor doing some light work Sunday... but running or jumping.Support Us By Supporting Our Sponsors!Built BarBuilt Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKEDON15,” and you'll get 15% off your next order.BetOnlineBetOnline.net has you covered this season with more props, odds and lines than ever before. BetOnline – Where The Game Starts!PrizePicksFirst time users can receive a 100% instant deposit match up to $100 with promo code LOCKEDON. That's PrizePicks.com – promo code; LOCKEDONLinkedInLinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONNBARocket MoneyStop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to RocketMoney.com/LOCKEDONNBA. Learn more about your ad choices. Visit podcastchoices.com/adchoices

All things considered, the Lakers played a pretty good game Sunday. LeBron James, who crossed the 38K threshold for career points, was excellent (35/8/10/1/1 on 15-24 shooting). Russell Westbrook was (for the most part) good until the last 14 seconds. (More on that in a minute.) The Lakers got contributions from Wenyen Gabriel, Troy Brown and more as they went toe-to-toe with one of the better teams in the Eastern Conference before losing 113-112. But that final possession was as bad as any possession can be. With 14 seconds remaining, the Westbrook rebounded a Joel Embiid miss, and pushed the ball up the court. Darvin Ham elected not to call timeout. Westbrook never gave up the ball, dribbling down the clock trying to break down Embiid. In the end, it was hard to tell if the thing Westbrook kinda sorta threw up near the bucket was a pass for Gabriel or a shot (Westbrook for his part focused more on the fact he thought he was fouled doing whatever it was he was doing). James never touched, or even threatened to touch, the basketball. And that, unquestionably, was the main topic of conversation following the game. There is a school of coaching philosophy that says it's better to let play continue than give coaches and opportunity to make substitutions, set a defense and so on. The Lakers, though, have been a horrible late game team, with bad execution, particularly in the context of open court play. So is it best to have these guys just free flow, especially as Westbrook finds himself one-on-one against one of the league's best defenders? Ham's choices are getting much more scrutiny these days, especially after he admitted he should have tried to get the ball out of Luka Doncic's hands before the Dallas star pushed Thursday's game into OT, a game the Lakers would eventually lose. LeBron was visibly frustrated after the game, off the floor and in the tunnel before Russ was even up off the ground on the final play, then giving short, curt answers to the media in the locker room. All of that, because he's LeBron, will be noted and discussed. Finally, when is AD coming back? He was on the floor doing some light work Sunday... but running or jumping. Support Us By Supporting Our Sponsors! Built Bar Built Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKEDON15,” and you'll get 15% off your next order. BetOnline BetOnline.net has you covered this season with more props, odds and lines than ever before. BetOnline – Where The Game Starts! PrizePicks First time users can receive a 100% instant deposit match up to $100 with promo code LOCKEDON. That's PrizePicks.com – promo code; LOCKEDON LinkedIn LinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONNBA Rocket Money Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to RocketMoney.com/LOCKEDONNBA. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Erin and Rico discuss what a partner needs to contribute in the relationship if they make less than 38K a year.Support the show

Erin and Rico discuss what a partner needs to contribute in the relationship if they make less than 38K a year.Support the show

Connect The World EP055 | Adem Bilican | Relai.app | Switzerland "Edward and Stef talk with Adem Bilican, Co-founder and CTO of Relai.app, an intuitive Swiss made Bitcoin-only app for selling and buying Bitcoin! The Relai app comes with a non-custodial bitcoin wallet and gives users total control over their bitcoin savings. They talk about why building easy to use apps for an onramp and offramp are super important to grow the adoption of Bitcoin and Lightning even further! Adem shares all the features of Relai, like instant SEPA, additional payment methods and Relai Premium and services for institutional clients. Want to know more about how they reached 140K app downloads and 38K active users, only after two years on the market? Sit back and enjoy the show!”- Jonī Kyasshu

After an amazing season of directing races, we took off for Cappadocia, Turkey to participate in one of the most scenic races we have ever experienced. Salmon Ultra Trail Cappadocia features distances of 119K, 63K and 38K in the recognizable region of fairy chimneys and hot air balloons. Our 38K was full of oohs and ahhs around every corner, we might has well turned off our Garmins as time was our least concern. Listen in as we cover every aspect of the race from registration to post race meal.   Check out GottaRunRacing website here: gottarunracing.com Check out our YouTube Channel at youtube/@gottarunracing Check out GRR Facebook here: https://www.facebook.com/gottarunracing/ Check out GRR Instagram here: https://www.instagram.com/gottarunracing/ Check out GRR Twitter here: https://twitter.com/gottarun_racing Check out GRR Pinterest here: https://www.pinterest.ca/gottarunracing/ Support us on Patreon here : https://www.patreon.com/gottarunracing  

Samantha McKenna is the industry's go-to source for sales leadership. With over 38K followers on LinkedIn, Samantha is the founder of #SamSales, a consulting service that helps sales and marketing teams win.Sam shares her playbook for being a sales leader worth following and breaks down the pillars of world-class leadership. Consider this your crash course in building successful sales and marketing teams.

CEO and co-founder of Tyler New Media, Lamar Tyler, stops by Money Making Conversations Master Class to discuss his companies purpose and brings Earvin "Magic" Johnson to Atlanta through his brand Traffic Sales and Profit to encourage entrepreneurs in the African American Community to move beyond just side hustle mentality to build enterprises allowing us to grow scale and exit!More About Lamar TylerLamar Tyler is the CEO and co-founder of Tyler New Media - one of the fastest-growing private companies in America recognized by Inc. magazine on its annual Inc. 5000 list (2021). The parent company of celebrated digital brands like Traffic Sales and Profit (TSP) - America's premier learning community for purpose-driven African American businesses and entrepreneurs; and BlackAndMarriedWithKids.com - the largest independent African American marriage and parenting site on the web; Lamar helps to guide families and entrepreneurs to discover their true purpose and legacy. Fed up with the pervasive, negative and distorted images of the African American community, Lamar and his wife Ronnie Tyler created their platform to change narratives and curate brands that celebrate, honor, support and nurture Black families and businesses.More on Traffic Sales and ProfitsTraffic Sales & Profit (TSP) is the premier community for African American businesses and entrepreneurs. With a network of over 38K members from all over the U.S. and various countries, TSP focuses on innovative online technology and provides fundamental learning, surefire systems, and growth strategies that help businesses generate profit with ease in the shortest amount of time, regardless of audience size or start-up budget. Offering coaching and consulting services for people all over the world, TSP teaches in different niches and markets, including everything from brick-and-mortar stores to e-commerce brands to service and product-based businesses. TSP is also home of the exclusive, innovative mastermind business cohort that collectively generated over $49M in revenue during the 2020 COVID-19 pandemic. For more information, log on to www.TrafficSalesAndProfit.com.Support the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Today's guest has been selling online since the 80s!! He's seen some things work for a short time and then fizzle out, and he's tried many models as he'll share, but he says, "The best thing about the ProvenAmazonCourse.com course is that if you try it, it will work." Get this - he's selling about $38K per month at a 24% net margin, but he only works a few minutes per day (always less than an hour). You'll hear many great insights for new sellers and experienced sellers alike today. Here's yet another Amazon REPLENS success story! Today's guest: Ed Newman   You'll hear him talk about using "TA" (Tactical Arbitrage) as a tool that has helped him build his process. We have BRAND NEW TA training coming along with Online Arbitrage (aka "OA" or "online sourcing") training at ProvenAmazonCourse.com/OASimplified - Available now!   Watch this episode on our YouTube channel: https://youtu.be/QffXvIO1DYg     Show note LINKS:   Our upcoming LIVE EVENT is happening August 12-14th 2022 in Louisville, KY! Join 100s of your fellow listeners to this program live and in person! You'll hear from many of the top success story guests on this podcast including students and coaches who share their stories PROVEN strategies of Amazon and ecommerce success ! Tickets and event details found at: https://TheProvenConference.com     Leigha's story - she's the student mentioned today (who is now a coach on our team) who sold $500K last year and is on track to sell $1MM this year in 2022 as a "one mom show" who never sees or touches her inventory! Leigha's episode is #431 of this podcast. She's also one of the trainers on our upcoming OA training that includes Tactical Arbitrage training! Details: ProvenAmazonCourse.com/OAsimplified   Proven Amazon Course - https://ProvenAmazonCourse.com - Are you ready to be successful selling on Amazon? It's time to get instant access to the most widely used, most up to date, most creative and industry leading course in the "Learn to sell on Amazon" space. You'll find hundreds of recent success stories in our Free Facebook group from Amazon sellers using all manner of creative strategies from our ridiculously inexpensive yet powerful course!   ProvenReplensVA.com -  We find, train and assign a VA (Virtual Assistant) to work ONLY for you as a "Replen Hunting" specialist! Visit this website to learn more!    Keepa - https://get.keepa.com/ede41 -The service we use to help interpret all of the selling data. Keepa is discussed in depth on episode 369 at https://silentjim.com/podcast   Tactical Arbitrage: Some advanced strategies people are using to find replens using TA. Once you understand how to find replens and what they look like, TA can be a powerful add-on to your business! Get Tactical Arbitrage with a 10 day trial offer here:  https://jimc.biz/TA   Want some free training on the REPLEN selling model for Amazon? Would you like to watch a 20 minute demonstration of the REPLENS model? Here's a link to a video in our private (free) facebook group (join the group to view the video): https://www.facebook.com/groups/mysilentteam/posts/4744071185708954/   Here's a similar video on youtube if you don't use Facebook: https://youtu.be/b90bInL2yW8   JimCockrumCoaching.com - Get a free session with a business consultant on our team at 1-800-994-1792 / 1-801-693-1688 or TEXT US at 385-284-7701 (US & Canada only for Text)     SilentJim.com/updates - get an alert on your smartphone each time we have a new podcast episode!

Seth is just 32 years old and has a net worth of 1.1M. Of the 1.1M, nearly 800K is in single family real estate; he has six rentals, four of which are paid off. Seth discusses his financial goals which includes passive income of 80K (currently 38K). He also talks about leverage and how he prefers to have paid for real estate over more real estate with leverage. Seth details what motivates him, including the desire to never experience financial hardship.

With the Governor's proposal to increase teacher salaries, Districts are considering options for implementation of a salary schedule that will make sense for them, now and in the future.  School leader and financial expert Carol Embree joins Emily and Duane to discuss the financial and legal issues associated with putting a salary schedule with a $38K minimum teacher's salary into place.   Powerpoint companion for this episode regarding 38K Teachers' Salary Schedulehttps://docs.google.com/presentation/d/1UHKvXCBRy5scfj2XBxJ-9yMqdb6LpMHd6XF1BQg09co/edit?usp=sharingCarol Embree's contact informationrelatableresourcellc@gmail.com 

Secrets to trading success revealed! - 4C Trading. How to find the right Swings? Most of the time, prices of any negotiable value fluctuate within a certain range. On the stock market, it is often said that the market varies up to 80% of the time. To look for potential trading opportunities, one approach is to first look at your charts in one of the longest periods, for example the daily period or the 4-hour period. Once you have identified a promising position, move to a shorter period, such as the one-hour period, to look for specific entry opportunities. In general, there are three important factors to consider when looking for an entry as a swing trader:1- Fluctuations should occur in the same general direction as the trend that is emerging in the highest time frames. 2- If you exchange cryptos, look for momentum in pairs that share similar characteristics to the one you exchange. For example, if you are considering exchanging a privacy crypto like Dash, the idea is to see how other coins like Monero or Zcash do. 3- Carefully assess the trend. Is it getting stronger or weaker? A downward trend could mean that it is about to change direction, while an upward trend could mean the opposite. Another question is whether the volume of transactions still supports this trend? Upward trends with a gradual increase in volume are considered to be the most robust. As swing traders, we have to be aggressive when we detect good opportunities. You can't afford to miss out on good opportunities. Make sure you earn enough on your good trades to compensate for the inevitable losses that will result. Similarly, a swing trader must also know when to stay out of the market. It is just as important to recognize the conditions that keep you away as it is to be aggressive in the right conditions. Finally, remember the words of the legendary trader Jesse Livermore: “There is a time to go long, a time to go short, and a time to go fishing. ”ConclusionSometimes there is just no way to anticipate what lies ahead no matter how bullish the momentum may be. Take for instance, the recent dip that resulted since November 2021—after multiple rejections of attempting to break out of the $38K level, BTC is still not giving up! The route to $100K BTC is indeed paved with unforeseen challenges but certainly we will get there! In the meantime, Is there a better way to trade and still accumulate gains during such a crazy time in the crypto market? There most certainly is! The 4C Trading SMART Bots help you execute your trades automatically so you'll never have to monitor the market. These trading bots are programmed with advanced automated trading algorithms to help you maximize opportunities 24/7.. The five SMART Bots – BTC, ETH, LINK, BNB and SOL work relentlessly round the clock to help traders and investors accumulate gains stably over time. Check out their performance record (BTC, ETH, LINK) in the graph below that dates back from January 2019 to December 2021; based on a projection of $100K trading capital. Having said that, you don't need a huge trading capital to start with the SMART bots. Trade at your own pace – the amount that you are comfortable with! Sign up for the SMART Bots 14 days free trial and start trading your way to success today (with no experience needed)!

S&P500 at correction zone & Nasdaq heads to death cross | MarketTalk: What's up today? | Swissquote Market focus remains on Ukraine and Russia, as the US warns that Russia moving its army to the separatist regions in Donbas could mean a larger-scale invasion in the coming days. Russia is suffering from a first round of sanctions. The Nord Stream Pipeline project, which has been one of Putin's priorities, has been put to coma, and Britain announced some sanctions targeting the banks. Lavrov and Blinken will no longer meet on Thursday. More sanctions are expected in the coming days, but the measures that have been announced so far are not as heavy as feared. Market mood is not cheerful, but the softer-than-feared sanctions somewhat help lifting the mood. The risk appetite is limited, but capital leaves safe haven assets as gold and Japanese yen. Bitcoin is back above the $38K mark, but gains could be fragile as a further rise in geopolitical tensions could pull the price all the way down to the $30K level. The S&P500 stepped into the correction territory after losing 1% at yesterday's session, as Nasdaq fell to the lowest level since the beginning of the year. Although an improved sentiment regarding the Ukrainian tensions could lead to short term recovery, the US equity selloff is not only due to the Russian tensions. Most of the decline is explained by a quick hawkish shift in the Fed expectations and the prospects of tighter monetary policy remain in play. Elsewhere, the Reserve Bank of New Zealand hiked its official cash rate by 25 basis points to 1% a today's meeting and Volkswagen said it's planning an IPO for Porsche. Macy's and Home Depot fell after announcing their fourth quarter results, as inflation took a toll on profits, as Europe will confirm that inflation hit 5.1% in January.

Risk appetite was surprisingly strong into the US inflation data, expected to advance to another forty-year high at today's print, but futures are pointing to the south this morning, as the US inflation data is still a threat to the overall market mood, and could be a pivot moment for this week. There is a decent acceleration in the gold prices, as gold is now behaving positively in risk-on markets, and negatively in risk-off markets given that the rising yields hit appetite in gold as much as they hit appetite in equities. Therefore, if we see the markets changing direction and hit the south, again, we could well see gains in gold crumble and pull the price of an ounce back below the $1800 mark. On the earnings front, news are good. BP, Disney and Uber announced strong earnings. Elsewhere, gains in Bitcoin remained limited below the $38K mark. JP Morgan said that Bitcoin's fair value is about the $38K level, though the way they compete the fair value may not be … fair after all!

Automated TradingUnlike holding or hodling crypto which is a one-way traffic, trading allows you to make money from the crypto market in bear and bull trends. In short, you will not be crippled by the market trends. However, It is also true that trading is one of the hardest skills to master when it comes to making money and it requires time and effort but not impossible!For those who are willing to invest the right resources to trade their way to success, besides gains, trading actually rewards you with a high level of fulfillment and achievement that money cannot buy!If you do not have the time, knowledge or experience to trade, there is good news! You can either start by taking a trading course such as the one offered by 4C Learning or use a crypto trading tool to help you buy and sell, round the clock; such as the SMART Bots by 4C Trading.In trading, there are broadly two ways to do so: manual and automated trading. With manual trading, that is taking control into your own hands—you decide how and when to trade. With automated trading, you will be relying on trading bots that are programmed with trading algorithms to decide when to buy and sell based on a set of conditions that are pre-programmed. The latter is what the 4C SMART Bots do – simplify crypto trading through automated buying and selling to suit all levels of traders and investors. It should be used as a passive income tool to help you accumulate gains.Manual TradingAs we mentioned above, trading gives you the option to maximize profits from the crypto market regardless if it's a bull or bear trend. Take for example, the current state of the crypto market is seen as boring with BTC hovering around the $38K region for a while now. However, for the skilled traders and investors, there are pockets of opportunities in between these times and volatility is a good thing because where there is volatility, there is money to be made.If manual trading is what you are interested in, then for sure honing in on your technical analysis is a must! There is lots of research and studies to be done here. Alternatively, you can follow the 4C's Traders Trade Signals – manual crypto trading signals in the premium 4C-Trading Telegram Channel, Trade Room. Follow these signals posted in the Trade Room channel and manually execute your trades. This is a good start for the beginner to intermediate traders.The Traders Trade Signals are a free feature of all SMART Bots paid subscription packs. At 4C-Trading, our aim is to simplify crypto trading for people of all levels through a suite of tools to complement automated and manual crypto trading.There are two ways to access the crypto signals for free if you don't have a paid SMART Bots subscription. You can either sign up for the 14-day free trial at no cost or enter our social media contest and win 3 months of free SMART Bots subscription here.StakingNext option, you can choose to stake your crypto. How does it work, you may wonder? In a nutshell, it's quite simple, you just have to block funds (USDT, BTC, ETH or other) for a determined period of time and collect the interest. ETH 2.0 and ADA are good examples of the above.Take Ethereum Staking as an example – by locking an amount of ETH for a specific period of time, you'll be contributing to the security of the Ethereum blockchain and in return, earn network rewards.Can you make good profits from staking? The answer depends on how much you're investing and the time horizon you allocate to it.Is it safe? Just like every investment type, there is always a certain amount of risk involved. Having said that, with cold staking you can stake your crypto using a hardware wallet or another cold wallet. The advantage of this is that the funds are safe because the wallet is not connected to the internet. You need physical access to your wallet to manage the funds.

Automated TradingUnlike holding or hodling crypto which is a one-way traffic, trading allows you to make money from the crypto market in bear and bull trends. In short, you will not be crippled by the market trends. However, It is also true that trading is one of the hardest skills to master when it comes to making money and it requires time and effort but not impossible!For those who are willing to invest the right resources to trade their way to success, besides gains, trading actually rewards you with a high level of fulfillment and achievement that money cannot buy!If you do not have the time, knowledge or experience to trade, there is good news! You can either start by taking a trading course such as the one offered by 4C Learning or use a crypto trading tool to help you buy and sell, round the clock; such as the SMART Bots by 4C Trading.In trading, there are broadly two ways to do so: manual and automated trading. With manual trading, that is taking control into your own hands—you decide how and when to trade. With automated trading, you will be relying on trading bots that are programmed with trading algorithms to decide when to buy and sell based on a set of conditions that are pre-programmed. The latter is what the 4C SMART Bots do – simplify crypto trading through automated buying and selling to suit all levels of traders and investors. It should be used as a passive income tool to help you accumulate gains.Manual TradingAs we mentioned above, trading gives you the option to maximize profits from the crypto market regardless if it's a bull or bear trend. Take for example, the current state of the crypto market is seen as boring with BTC hovering around the $38K region for a while now. However, for the skilled traders and investors, there are pockets of opportunities in between these times and volatility is a good thing because where there is volatility, there is money to be made.If manual trading is what you are interested in, then for sure honing in on your technical analysis is a must! There is lots of research and studies to be done here. Alternatively, you can follow the 4C's Traders Trade Signals – manual crypto trading signals in the premium 4C-Trading Telegram Channel, Trade Room. Follow these signals posted in the Trade Room channel and manually execute your trades. This is a good start for the beginner to intermediate traders.The Traders Trade Signals are a free feature of all SMART Bots paid subscription packs. At 4C-Trading, our aim is to simplify crypto trading for people of all levels through a suite of tools to complement automated and manual crypto trading.There are two ways to access the crypto signals for free if you don't have a paid SMART Bots subscription. You can either sign up for the 14-day free trial at no cost or enter our social media contest and win 3 months of free SMART Bots subscription here.StakingNext option, you can choose to stake your crypto. How does it work, you may wonder? In a nutshell, it's quite simple, you just have to block funds (USDT, BTC, ETH or other) for a determined period of time and collect the interest. ETH 2.0 and ADA are good examples of the above.Take Ethereum Staking as an example – by locking an amount of ETH for a specific period of time, you'll be contributing to the security of the Ethereum blockchain and in return, earn network rewards.Can you make good profits from staking? The answer depends on how much you're investing and the time horizon you allocate to it.Is it safe? Just like every investment type, there is always a certain amount of risk involved. Having said that, with cold staking you can stake your crypto using a hardware wallet or another cold wallet. The advantage of this is that the funds are safe because the wallet is not connected to the internet. You need physical access to your wallet to manage the funds.

 On this episode of The Scoop, Sky Mavis Games Co-Founder and Growth Lead Jeff ‘Jiho' Zirlin joined Frank Chaparro at the 2021 Mainnet Conference to discuss their game Axie Infinity. Chaparro and Zirlin cover Axie's recent growth in popularity, kicking off the ‘Play-To-Earn' trend in gaming, and how Axie Infinity players in the Philippines and other emerging economies are playing the game to supplement their incomes. To be sure, the project's concentration in the Philippines speaks to how much work the project has ahead of it in making it truly global. Zirlin told Chaparro that Axie's user base has grown from some 38K active users in April to around 1.7 Million active users in August. Interest in the project has since waned given a wider rout in the gaming NFT market, down roughly 45% as per data from The Block, with a weekly volume has decline of about $220M from peak to around $130M. But even Zirlin admitted that interest can wane as quickly as it has built up: "So the cool thing about NFT games or even crypto in general is like we have these very powerful feedback loops that cause over decades or over years, huge network effects. But any positive feedback loop that creates a negative creates a network effect can also run in reverse." Like the emerging markets Axie is popular in, Zirlin noted that the game also shows characteristics of an emerging market economy where "you have hot inflows of money and then also withdrawals." Zirlin announced on The Scoop that Axie is creating their own DEX for the game. Instead of moving funds to wallets and then to an exchange to convert cryptocurrency, players will be able to convert their funds directly to the currency of their choosing through the DEX. "We're also working on an in-house decentralized exchange or a Dex which will be native to our Ethereum-side chain called Ronin." Zirlin said, adding, "I think we really saw the future of the gaming industry and rightly, we've kind of seen the emergence of this metaverse emerging market worker." Axie Infinity recently completed a $7.6 million funding round that included among its investors billionaire entrepreneur Mark Cuban. Episode 61 of Season 3 of The Scoop was recorded at the 2021 Mainnet Conference with The Block's Frank Chaparro and Jeff Zirlin, Co-Founder & Growth Lead at Sky Mavis. Listen below, and subscribe to The Scoop on Apple, Spotify, Google Podcasts, Stitcher or wherever you listen to podcasts. Email feedback and revision requests to podcast@theblockcrypto.com. This episode is brought to you by our sponsors Bakkt, Kraken, and Exodus Bakkt® unlocks the $1.2+ trillion of digital assets that is currently held in cryptocurrencies, rewards and loyalty points, gaming assets and merchant stored value. We began in 2018 with the vision to bring trust and transparency to digital assets. Through the Bakkt Warehouse and Bakkt Bitcoin Futures and Options contracts, we serve institutional clients in an end-to-end regulated market with true price transparency. For consumers, Bakkt aggregates digital assets to enable instant liquidity and to empower users to trade, transfer and pay however they want. Visit Bakkt.com for more information About Kraken Whether you're an experienced crypto trader or just starting out, Kraken has the tools to help you achieve financial freedom. With 50+ cryptocurrencies to choose from, industry-leading security and a wide variety of features to suit any investing strategy, Kraken puts the power in your hands to buy, sell and trade digital assets. Visit Kraken.com to get started today. About Exodus Exodus is leading the world out of traditional finance by building beautiful and user-friendly crypto products. Forget having to learn the nuances of different cryptocurrencies. Exodus is designed for everyone and hides the complex details behind a beautiful and intuitive interface.   Buy and sell one cryptocurrency for another from the comfort of your wallet, in seconds. Funds remain under your full control.

Oh la la!  I'm back & bringing the heat from a red hot July!  Come learn my biggest takeaways & surprises from a $38K month in July.  Plus...a special announcement!   Find & Follow Cassie MacKenzie online here: FB:  @xocassiemackenzie Awaken your Abundant Soul in Cassie's FB community:  The Abundant Soul Social Club IG: @xocassiemackenzie Clubhouse: @cassiemackenzie Pinterest: @xocassiemackenzie Interested in learning more about NLP? Get certified here:  Transform Destiny - where Cassie became an NLP Practitioner, tell them Cassie sent you!

4:00 PM to 4:10 PM *The Top 4 at 4* 4:10 PM to 4:15 PM Four Factors of Resilience: how Jesus’ teaching speaks today ... GUEST Sheridan Voysey ... is a writer, speaker and broadcaster with a keen interest in what makes life deeply worthwhile ... He has written 7 books and is a presenter of “Pause for Thought” on BBC Radio 2’s “Zoe Ball Breakfast Show” 4:25 PM to 4:35 PM *11 July events not to miss in Pgh (NextPgh) ... + ... 9 best mini-golf courses in the Pgh region** 4:35 PM to 4:50 PM Juneteenth & the 4th of July ... GUEST Dr Todd Allen ... Vice-President for Diversity Affairs and Professor of Communication, Messiah University ... Founder of the Common Ground Project, a nonprofit dedicated to teaching the history of the Civil Rights Movement, and lecturer on commemorative practices/public memory related to the Civil Rights Movement 4:50 PM to 5:00 PM **Teen heading to the military raised $38K cutting off his Afro (WashPo)** 5:00 PM to 5:10 PM **NPR denounces the Decl of Independence on the 4th of July (Twitter)** 5:10 PM to 5:25 PM The Next Big Picture in Bioethics ... GUEST Dr Charlie Camosy ... Professor of theological and social ethics at Fordham University ... He is the author of 5 books, including, most recently, "Resisting Throwaway Culture: How a consistent Life Ethic can unite a Fractured People"... He is the father of 4 children, 3 of whom were adopted from the Philippines 5:25 PM to 5:35 PM **Does this make Sense? ** 5:35 PM to 5:50 PM When you coming Back? Post-COVID and the empty pews at your church ... GUEST Rev Kurt Bjorklund ... Senior Pastor, Orchard Hill Church 5:50 PM to 6:00 PM **On their 75th anniversary the Carters celebrate a record- setting love story (WashPo)** See omnystudio.com/listener for privacy information.

4:00 PM to 4:10 PM *The Top 4 at 4* 4:10 PM to 4:15 PM Four Factors of Resilience: how Jesus’ teaching speaks today ... GUEST Sheridan Voysey ... is a writer, speaker and broadcaster with a keen interest in what makes life deeply worthwhile ... He has written 7 books and is a presenter of “Pause for Thought” on BBC Radio 2’s “Zoe Ball Breakfast Show” 4:25 PM to 4:35 PM *11 July events not to miss in Pgh (NextPgh) ... + ... 9 best mini-golf courses in the Pgh region** 4:35 PM to 4:50 PM Juneteenth & the 4th of July ... GUEST Dr Todd Allen ... Vice-President for Diversity Affairs and Professor of Communication, Messiah University ... Founder of the Common Ground Project, a nonprofit dedicated to teaching the history of the Civil Rights Movement, and lecturer on commemorative practices/public memory related to the Civil Rights Movement 4:50 PM to 5:00 PM **Teen heading to the military raised $38K cutting off his Afro (WashPo)** 5:00 PM to 5:10 PM **NPR denounces the Decl of Independence on the 4th of July (Twitter)** 5:10 PM to 5:25 PM The Next Big Picture in Bioethics ... GUEST Dr Charlie Camosy ... Professor of theological and social ethics at Fordham University ... He is the author of 5 books, including, most recently, "Resisting Throwaway Culture: How a consistent Life Ethic can unite a Fractured People"... He is the father of 4 children, 3 of whom were adopted from the Philippines 5:25 PM to 5:35 PM **Does this make Sense? ** 5:35 PM to 5:50 PM When you coming Back? Post-COVID and the empty pews at your church ... GUEST Rev Kurt Bjorklund ... Senior Pastor, Orchard Hill Church 5:50 PM to 6:00 PM **On their 75th anniversary the Carters celebrate a record- setting love story (WashPo)** See omnystudio.com/listener for privacy information.

Katelynn already issued paid $38K in the second week of June! She's crushing the industry as a single mother. How does she do it? Where will she end by week 4?

With BTC lounging around $38K and a look at how banks could be big players in Ethereum's next incarnation, CoinDesk's Market Daily is back with the latest news roundup.Add Markets Daily to your Alexa Flash Briefing here.This episode is sponsored by hellointerpop.io, Unique One Network and elliptic.co.Today's Stories:Biden to Sign Bill Making Juneteenth a Holiday in Thursday Event World Bank Denies El Salvador's Request for Technical Assistance on Bitcoin Race for a Global Tax Revolution Faces Hurdles in Final StretchBitcoin Hashrate at 6.5-Month Low as China Cracks Down. Cristiano Ronaldo snub wipes billions off Coca-Cola's market value China's Campaign to Control Commodities Goes Into OverdriveUK Regulator Finds 2.3 Million Adults Now Hold CryptoFederal Reserve Officials Raise 2021 Core Inflation ProjectionPanama to Present Crypto-Related Bill in JulyBanks Edge Closer to Ethereum 2.0 Staking - CoinDesk -InterPop is redefining the future of NFTs and fandom. Learn more at interpop.io. -Unique One Network is an interoperable Platform for DeFi enabled NFT Marketplaces, in a variety of sectors, built on Polkadot Parity Substrate. Unique One Network's crosschain NFT hub facilitates transfers between a variety of blockchains and ecosystems, unleashing the power of NFTs with myriad innovative capabilities. Find out more at Unique One Network.-Elliptic works with the world's leading crypto businesses and financial institutions just like yours, to understand, manage, and act on crypto exposure risk.With Elliptic you can grow with confidence. Visit Elliptic.co for all your crypto compliance and AML monitoring needs.

Summary: The need for women in power; Will Bitcoin reach $38K support level?; CDC approves return to cruising.

Before Johnny Dang would be seen hanging out and making custom ice for the biggest names in entertainment including Kanye West, Jay Z, Beyonce, Nicki Minaj, Lil Wayne, Cardi B and more. Before The King of Bling would clock in over 1.5 Million followers on Instagram, over 200K on YouTube, over 38K on Twitter. Not bad for a guy who came to America from Vietnam with little more than the clothes on his back and even then, he still didn't even know what hip hop was.

If you’re looking for a tonic to the ceaseless flow of (mostly) disturbing news on any number of fronts, than this week’s Alpha Trader podcast is for you. Host Aaron Task is joined by J.C. Parets, market technician nonpareil and chief market strategist at All Star Charts (co-host Stephen Alpher is out this week) .  His eye always on the price charts and never on the news flow, Parets remains bullish on stocks. To those who say the bull market needs a break, Parets would say there’s already been one, noting leading names like Apple, Microsoft, Amazon, Google, Facebook, and Alibaba are flattish-to-down (in some cases significantly down) since early September - that’s more than four months of lame performance. If you ask him for a price targets, Parets will say 38K, or nearly 25% upside on the Dow (DJI), and 4.5K, or about 20% upside on the S&P 500 (SP500). New information rolls in every day, however, and Parets won’t be afraid to change his opinion if the facts change. For now, he’s keeping his eye on the above-mentioned names, and is looking for those stocks to move to new highs to confirm his bullish case. And what might turn Parets bearish? Price signals of course … Treasury bonds outperforming stocks, a strong relative bid in consumer staples, widening credit spreads, a rollover in the aussie/yen currency cross, a deterioration in market breadth. At the moment, just the opposite of every single one of these bearish omens is happening, so Parets sees little reason not to stay long equities. Want another signal? Take a look at Deutsche Bank (DB). It’s been hitting new 52-week highs. If the world (and the S&P 500) is really about to fall apart, would this most risky and sclerotic of banks be breaking out to the upside? Hardly, says Parets. Turning to bitcoin (BTC-USD), Parets remains bullish, with $46K as his upside target. On the downside, he sees $30K as key support, and a sustained break below that level would be a sign of worse to come. As always, though, Parets is just looking at the charts, and isn’t treating bitcoin analysis any differently from that of stocks. He warns that once one begins buying into the religion status of bitcoin, they can no longer think rationally about the trade. Learn more about your ad choices. Visit megaphone.fm/adchoices

Everyone talks about this hot real estate market, do you think ?Real estate is a local game based on the economy.It’s strong because of the growth of this city and the ease of obtaining financing:Space Force – also bring in Defense contractors, NASA, etc15,000 + HIGH PAYING JOBSAmazon1,700 + JOBSDemand for Extremely HighBuilders cannot build homes fast enough – Buyers must wait 9 – 12 months to buildInterest rates are at record low levels = lower house paymentsBuyers can get ZERO down FinancingIt’s the perfect situation to get in the game!A large majority of Americans do not save enough to retire. Becoming a Homeowner Will Automatically Increase Your WealthAccording to Andrew Carnegie “Ninety percent of all millionaires become so through owning real estate.”You do NOT have to be wealthy to buy a homeYou do NOT need a down Payment to Buy a HomeIf you would like to find out more about how to buy a home zero down, in any price range, visit: BarbHasTheBuyers.com or call us at 719 301 3900. We have never seen homes appreciate this much in 1 year – 17.5%While that is a big surge…theAverage appreciation going back to 1985 is about 6%Here is a chart that shows a mere 3% appreciation over 30 years =If you bought a home for $550,000 it would be worth $1,335,000 in 30 years.So if our values are double that… ...it means that same investment would be worth over $2,500,000 in 30 years, just for making a house payment.By the way, a payment with the rates this low and only 10% down would be about $2200 per month – the same amount or less than you would pay to rent a nice home in the area now..You are listening to the Real Estate Voice with myself Barb Schlinker of Your Home Sold Guaranteed Realty, if you are interested in selling or buying call Barb at 719 301 3900 We are talking Barb about amazing rise in values in Real Estate market - even during the Pandemic, Barb, What are some more affordable options in the real estate market today?We talked about the payment for a $550K house being $2200 with 10% downCheck out the payment on a $417K house with ZERO DownIts not much different about $300 per month.That is because the interest rates are at record lowsThese low rates may not continueThis is why NOW is the best time to buy a home!Even an Average Appreciation in this market since 1985 – even with the Mortgage Meltdown crisis is 6.0%Increase in sales by 25%Right now the annual appreciation for homes is over 17%However if you average the past 5 years it is more like 12%If you bought a home for $400,000 this yearIn 1 year that same home is worth $448,000!There is nothing more thrilling to me to help home sellers put a lot of money in their pockets when they sell their homes!HERE IS WHY...If you are thinking of making a move, give us a call at 719 301 3900Richard….Less than 1 Month Of Inventory in All Price Ranges up to $1,000,000As of today:553 Single Family Homes on the Market1668 1 year ago during the same timeThat means:Buyers: Financing Must Be Ready Enough to Convince a Seller you can close on time:a. Lender Pre APPROVAL not Pre Qualificationb. Some Cash Reserves for Appraisal Guarantees:i. Buyers should be willing to pay CASH if appraisal comes in lower than contract price!c. Recently I had two homes which the appraiser valued the home $20K and $38K below the sales pricei. In BOTH cases, I negotiated for the Buyer to make up the difference NOT the seller!ii. Those buyers realized that the appraiser’s opinion was NOT going to sway them from buying that home at the price they promised the seller!d. If you would like to find out how I get home sellers top dollar for their homes, give us a call at 719 301 3900.

HAVE A QUESTION? GET ANSWERS.EMAIL US: ASKPETE@PETETHEPLANNER.COMToday we are digging all the way into the mailbag! Pete and Damian respond to listener questions about credit card debt, 529 accounts, and talk financial stability!Don't forget! HEY MONEY is your new secret weapon for advice in your personal finances.No time to listen? BUMMER. Here's some of what happened:Show Notes:Mailbag Question 1:“I recently took a job after being downsized in January, making about $20K less. I accumulated about $38K in credit card debt. Some of the interest monthly is about as high as the payment itself. Should I take a loan against my 401(k) to pay off the high-balance ones and keep paying the lower balance ones? Or should I do so to pay off all the loans?“Damian: Let's think about not taking the easier way out. Can we make the numbers work within the income you have? If it's doable, it's a much better option than taking a 401(k) loan out.Pete: The 401(k) loan should be our last possible option; even if that includes some major lifestyle and systemic changes. If what led to the $38K debt hasn't stopped, taking a loan from your future is the worst possible thing to do.Mailbag Question 2:“My son is 7 now. I'm exploring 529 accounts. What is an optimal amount to save every month if he goes to a private college? Is it okay to split my savings across multiple 529 accounts? Any other savings vehicles you can suggest?“Damian: That money will grow tax-free, when it comes out for a qualified purpose, It comes out tax-free. That's a beautiful thing. Seek the double or triple tax-advantaged tools.Pete: There are at least two tax advantages to 529 accounts. For example, here in Indiana, there is a state tax credit. In Florida, there is not, however. There could be several options, but talk to an expert first, as age, vehicle type, and other factors could be at play. Click PLAY below for the full show! And while you're here, don't forget to check out Hey Money!

Fayth Koga was born in Chicago, raised in Los Angeles, and a Chicagoan since 1995.  Having worked as a tech consultant, with a focus on Operations and Finance, for the past two decades she left that world after the start-up she was working for was acquired in 2015. Fayth took that opportunity to step away from consulting altogether and take an indefinite period of time off to decide, in her words,  what “she wanted to be when she grew up”.  As a lover of music, photography and art, over the years she’s written about all of them for the NBC Chicago Street Team Online and for Tribune Media.  She founded Chicago’s first Instagram community, I G ers Chicago in 2011, which she currently runs along with 3 of her friends who joined her  in 2014.  The community which has over 34K followers, host meet-ups to bring photographers together at different locations throughout the city.  Fayth has been taking photographs since childhood, so nstagram naturally became her  favorite social media platform. Although she claims she is not an influencer, her own following under the moniker of “Relaxocat” has a community of almost 38K followers.

Today's episode features the lovely @HealthCoachKait. Kait is a certified health coach based in Australia who focuses on using a nutrient-dense, ketogenic way of eating to help clients reach their health, weight loss and fitness goals. She focuses on breaking the carb dependency cycle and burning fat as the main energy source. Kait has an incredible YouTube Channel with over 38K subscribers at https://www.youtube.com/healthcoachkait.Kait also has a Keto to Carnivore Program. If you'd like to learn more about that, you can do so here! Today's show is brought to you by Beautycounter. Beautycounter is an amazing company that sells super high-quality personal care products & make-up. They ban over 1,800 ingredients from their products, are EXTREMELY transparent with their ingredient selection process, and are constantly screening their ingredients for purity and safety.For all of my listeners who purchase over $100 in products by May 4, 2020, I will mail you samples of some of my favorite products! THANK YOU for listening, liking, subscribing, reviewing and sharing the show!

Hey you all I decided to do a quick layout on my emotional vs Toxic Trauma. Remember you can follow me on all my platforms instagram: @38K.Niecey twitter: @NieceyReign Snapchat: Nieceyinterlude

You know when you're on a sales call and your prospect starts laying out their objections - and you're worried that responding to them will sound argumentative (and will cause you to lose the sale)? We've all been there. But it's time to debunk that myth once and for all with today's guest, Paloma Lev. Paloma Lev is a sales trainer who's known for helping Coaches, Consultants, Experts & Influencers Sell with Badass Confidence. With 9+ years of teaching the art of persuasion, she uses her signature system The Conviction Method to she's helped her clients close deals between 3-38K and wants to help YOU close your BIGGEST high ticket client yet, transforming you from Scared As Hell to Sales Call Genius. You can join her free Facebook Group, Sell Anything w/ Badass Confidence: High Ticket Sales Secrets!

Comment je suis passée de 38K de CA en 2018, à +140K en 2019 ? Comment mon entreprise est passé à un autre niveau. Pour rejoindre les impératrices

If you like the idea of building a meaningful business that affords you both steady income and personal fulfillment, but you have yet to uncover your WHY, Raj Jana suggests that you start with gratitude. Cultivate an appreciation for the person you’ve become and the experiences that have shaped you. And you may find that some of your rock bottoms are really a source of power—and purpose. Raj is the purpose-driven entrepreneur behind JavaPresse Coffee Company, a lifestyle brand designed to transform ordinary coffee rituals into extraordinary daily experiences. He is also the creator of Stay Grounded Media, a podcast and education platform that helps aspiring life enthusiasts experience more fulfillment and success. Raj’s work has been featured in Buzzfeed, Huffington Post and Entrepreneur Magazine, and his companies donated more than $38K to the Make-A-Wish Foundation last year. On this episode, Raj joins Emerald explain how the death of his mentor inspired him to stop waiting to be happy and thrive NOW. He discusses Yanik Silver’s idea of aligning your heart with your business, sharing how extreme self-reflection changed his mission for JavaPresse—and facilitated 800% growth in the process. Listen in to understand how Raj is supporting a shift in consciousness through coffee and learn how to leverage the power of appreciation to uncover your WHY. What You Will Learn How the death of Raj’s mentor inspired his current work How The 4-Hour Workweek motivated Raj’s side hustle Yanik Silver’s insight on aligning your heart + business Raj’s shift from pushed by fear to pulled by purpose How Raj’s gratitude practice helps him connect with source How Raj defines currency as an exchange of energy How Raj is supporting a shift in consciousness with coffee The biggest challenge Raj faces in staying grounded Connect with Raj Jana Stay Grounded Stay Grounded Podcast Stay Grounded in Business Inc. Column Connect with Emerald GreenForest Creative Age Consulting Group Emerald’s Website Emerald on LinkedIn Emerald on Twitter Emerald on Instagram Email: listeners@menonpurposepodcast.com Leave Us A Message On Our listener line:   540-402-0043 x3333 Resources The 4-Hour Workweek: Escape 9-5, Live Anywhere, and Join the New Rich by Timothy Ferriss Yanik Silver Evolved Enterprise: How to Re-think, Re-imagine, and Re-invent Your Business by Yanik Silver Carlos Castaneda Wickedly Smart Women Podcast This episode is sponsored by the Creative Age Consulting Group. Men - Is it time NOW for you to make your mark? Visit timetomakeyourmark.com to apply for an invitation-only consultation.  

Guests today are Ted & Scott (K&H Home Solutions) and Cory (Merchants First)!Joyce's husband reconciled with his Father one month before his death but the will did not get changed, Kyel's wife went to a mental health facility (for depression) and they did not give her "meds" for 48 hours, Emagene's daughter was visiting at their senior home assistance apartment and her dog (and her) got in a confrontation with another dog and owner and now the apartment complex says she cannot come there anymore, Cameron was in a car accident 3 years ago and was put on a "Flight for Life" and now owes $38K, Jeff gave a contractor $23K for his basement to be finished and contractor quit working and he has subs coming after him, this and much more.

James: Hey audience, this is James Kandasamy from Achieve Wealth Podcast. Achieve Wealth Podcast, talks to and interviews, a lot of commercial real estate operators and focusing on a lot of our discussion about value-add real estate investing. Today, I have Neal Bower. Neal Bower is from Grow Capitas Commercial Real Estate Investment Company. He negotiates [00:32unintelligible] and acquires commercial real estate properties across the US. He has almost 400 investors right now. A total portfolio size of 1800 units, in which, like around 1400 is multifamily and another 400 student housing. And I would like to welcome, Neal. Hey, Neal, welcome to the show. Neal: Thanks for having me on the show. James. Very excited to be here. James: Good. So, Neil, he has been on a lot of podcasts and you know, a lot of discussion goes around the data collection and experiments that you do in your asset management and in terms of your operation and just finding the right cities, right? [01:14unintelligible] and also operation leasing. So there's a lot of data that's being collected. Right. So we can go to that in a short while. My question to you, Neal, in the first place, why did you start collecting all this data? Neal: Well, I started collecting the data because I screwed up big time. So I started my real estate career in reverse. I mean, most people will start with a single family rental, right? I was a technologist and I got a chance to actually build campuses from scratch. My boss, you know, helped me. He was the CEO of the company, I was the chief operations officer. This was a technology education company and we were growing so much that we decided we were not going to rent offices from somebody, we would build our own campuses. And so that project of building that campus was insanely complicated because, I mean, I hadn't even built a single-family home. Here I am, building a 27,000 square foot campus that's mixed use. It's got classrooms, administrative areas, and restrooms and I had to learn everything from, you know, egress and fire codes. And you know, doors that lock when there's a fire and you know, ceiling heights, air conditioning, cooling, heating, and 500 other things related to that. So it was a trial by fire. I learned very quickly and did that in 2006 and so 2003 then again in 2006 and got very confident about real estate. I think in my mind, I got overconfident and so I went and bought 10 single family homes in California, I timed them correctly due to no credit of my own. It was just, you know, 2008, 2009 and got crazy confidence. I thought I knew it all. I mean that the fact was I knew nothing and I didn't understand that. And so I went to Chicago and bought 10 triplexes and I screwed up really big time. I made massive mistakes. None of those 10 properties really ever made any money and I realized just how little I knew and I start because of that disaster, which basically was a million and a half that got tied up for five years with no returns in the middle of one of the greatest, you know, gain markets of all time, I realized that I needed to learn more. So I started collecting data about why those units never made any money. And what it came down to is that I was spending too much time looking at the rents and looking at the units themselves and not spending enough time looking at the area quality. The quality of the tenant base, the demographics of the area, the income levels, job road levels, the population growth. All of these demographics are mega factors that affect every single thing that we do. And they affect them in a way that's very difficult for us to ascertain. It's almost like you're being carried along on a boat that's going somewhere at 50 miles an hour, but you cannot see outside the boat, right? That is a situation that is the reality of what is happening. And so I started doing a lot of research and data collection. And the more I collected data, the more I realize how powerful it was if I could go beyond data collection to doing data analysis and applying the analysis from one city to another, applying these analyses from one neighborhood to another, from one state to another. And the more I did it, the better I got at it. And so I decided to do more and more and more of it. And that's how my journey started. James: Yeah. I think demographic analysis has been missed by a lot of gurus out there who are teaching real estate investing, especially even on the multifamily side, right? People are just looking at numbers right now and I think commercial real estate consists of two things and what is the user and the space, right? So and we are missing out the demographic side of it, which shows that the demand and I think that's what you're talking about in terms of demographic and also what is the submarket demand, right? What is changing over there? How is the crime rate, who is staying there, what is the renter profile, right? What's the percentage of renters versus owners? It's just not many people know how to analyze that and that's a very important factor. Neal: They don't even look at it. I mean, keep in mind a neighborhood that has 30% homeowners and 70% renters is very different. Both good and bad from one that has 70% homeowners, 30% renters, right? So these things matter so much that if you ignore them, then if you think that you're in control, that is an illusion. That is an absolute illusion because those things are really driving either your profit or your lack thereof. That's really what's driving things, right? And so one example is, I mean, I teach a course, it's called Real Focus. It's about the power of demographics and how to apply them to create profit. And I teach it Live to about 4,000 people a year. And I teach it online, to another 4,000 people so there are about 8,000 people that take that course. And one of the examples that I like to give people is this, one of the most common statements, in fact, it might be the most common statement of all in real estate is that real estate is local, right? So you hear that all the time, real estate is local. Well, actually real estate is not local. James, real estate is hyper-local. So one of the cities that I use in my examples when I'm doing demographics labs for students is I talk about Columbus, Ohio. Columbus is a good city to invest in, right? So doing really well, population growth, job growth, income growth, all kinds of good things are happening there. So in Columbus, there is a small neighborhood that has an average median household income of $183,000 right? That is not an A that is like an A++. So you couldn't really go much higher than that unless you're in the San Francisco Bay area, you couldn't get much higher than 183,000, no. Well, the point is that 500 yards away from this neighborhood is another neighborhood where the median household income is not 183,000 it's not even 18,000, it's 6,000. 500 yards between the richest neighborhood in Columbus, I think it's the second richest actually, and the poorest neighborhood in Columbus, that's how hyperlocal real estate is. And if you don't understand how much that impacts you, obviously in this $6,000 income area, that's a condemned area, no one there pays any rent. Everyone lives there for free in abandoned buildings to this underneath $83,000 area where there's absolutely no cash flow, right? Because the income levels there are very high, there's really nothing available for sale. Everything's taken, everyone there is rich, you know, single family homes that you know, probably are like 1 million bucks. The differences there are staggering. And that 500 yards shows you how much you're missing if you don't understand how demographics drive everything. James: So I mean, I definitely agree with you because I've seen deals in the hottest market in the country and people just talk about the city, right? But they don't talk about the submarket itself or the particular location, right? So how would you go about defining the boundaries of where you want to define the demand for a specific deal? Neal: You know, that's a very interesting question and what you're really talking about is, you know, where does the neighborhood stop? Where does the neighborhood end? So you could say something like half a mile from me is a Whole Foods and next to it is a Starbucks, therefore I'm in the best area. But the reality of the situation is half a mile is also a very long distance. It's a very short distance and it's a very long distance. Remember 183,000 to 6,000, right? That was half a mile. So what really could be the case? Is that right where that Whole Foods is, a hundred yards beyond that, there's a street, maybe it's a railway line, maybe it's a freeway, maybe it's just a regular street and everything beyond that is a different neighborhood, right? Different quality of neighborhood. So you can't really compare this neighborhood to the Whole Foods and Starbucks side. And maybe, just maybe that neighborhood is only half a mile wide and right where your property is, that street actually is another neighborhood, even lower class. So it's very common for people to say half a mile from me is Whole Foods. But actually, they are not in the Whole Foods neighborhood. They're not even in the neighborhood next to Whole Foods, which is lower grade, they're in a third lower neighborhood themselves, like two grades lower now. And that's what everyone has to figure out if you're looking to do syndications or if you're looking to invest in projects. How do you figure these things out there? There are many ways to figure them out, to figure out where neighborhoods start and where neighborhoods end. I use paid tools, so we'll talk about those and I'll also give you some free tools. Neighborhood Scout is the best neighborhood tool I've seen. I've seen many of them, but neighborhoodscout.com allows me to do two things. It allows me to basically plug in an address so it could be a 200 unit property, I plug in the address, I basically take, pull out a report and it shows me the neighborhood and it also shows me the micro-neighborhood. Now there's a difference between those two, right? The neighborhood itself is very powerful because it'll tell, you know, income levels, crime levels, you know, degree-granting levels, is it walkable? It'll tell you an insanely large amount of extremely useful and immediately actionable information. But the micro-neighborhood part is even more powerful. So you'll see a map and on the map, you'll see the neighborhood, right? You can clearly see what roads are part of this neighborhood, where does the neighborhood start, where does it end? Does it go all the way to that Starbucks, does it not go all the way? But then, inside of that map, you'll see a yellow dotted line, which will show you a micro-neighborhood, and the property that you just plugged in, the address is always inside that yellow. And what neighborhood scout is trying to tell you is, okay, the greater neighborhood, maybe it's a mile by a mile, right? That's the typical size for a neighborhood. You know, one mile by one mile is this, and then your property is part of a micro-neighborhood inside of that. And how does it figure that out? What it does is, it looks at your property, let's say it's a single family home and it looks at the home opposite it and says, are these comparable? Okay, yes, they are. Then it goes another block, are these comparable? Yes. Are these comparable? Yes. Are these comparable? No. This is a completely different kind of unit. So it says, okay, those units are really not inside your micro-neighborhood. Something changes there. Something's different. Maybe they're really ghetto or maybe they're really brand new. And so the neighborhood quality changes right at this line. So that dotted yellow line is very important to me because the moment I see that dotted yellow line, I put it on one of my monitors and on the second monitor, I bring up Google and I go switch into street view and I drive around the edges of that yellow dotted line because I'm driving around the outside edges of the neighborhood that I'm investing in. So that gives me a feeling about that neighborhood. And then I'd drive the insights of the neighborhood, it's a micro-neighborhood, so you can on Google, I can basically drive it in about 15-20 minutes. It gives me a really good idea of what's going on in that neighborhood. Obviously, boots on the ground are better, I get that. But at this point, I've just received this property and I want to make a decision on whether I even want to, you know, spend any time on the property and this gives me that information. And Neighborhood Scout is very inexpensive. I think you can even get like Neighborhood Scout for 39 bucks a month and you get 10 reports out of that. So essentially for $4, less than a cup of coffee at Starbucks, you're going to learn an astonishing amount about this neighborhood. James: But I mean, end of the day, we want to get rent comps and so let's say the property they're looking at is within that yellow dotted line but there's not a rent comp and now you have to go out of that yellow dotted line, you would you look at your rent comp, how would you compare the rent comp that point of time? Because it's two different demographics. Neal: It definitely is, right? So there's an art and a science to the rent comps. Some of your rent comps will be inside the dotted line so there'll be good and some of them will be outside the dotted line. I think it's still useful because it's telling you where's your micro-neighborhood and where's your neighborhood? But normally you'll find that the vast majority of the time, the comps from the broker are not inside the yellow line and they're not inside the neighborhood. James: They are in one-mile circle radius. Neal: Exactly. And so people are like, well this is only a mile away; are you kidding me? I mean, in San Jose we have areas where the average home value is $1 million and half a mile away, the average home value is $400,000 right? And those are bad areas like really high crime areas. So everything can change in a mile. And I think what this neighborhood scout does is it allows you to basically firstly figure out if you should even be using that rent comp, right? So it might only be three-quarters of a mile away but Neighborhoods Scout shows you that your neighborhood, your property, the one that you're looking at, is actually just at the end of that neighborhood. So that neighborhood is ending right next to your property and then this is three-quarters of a mile away in a completely different sort of neighborhoods so you shouldn't go in that direction looking at rent comps. But another rent comp that the broker provides, it may not be in the neighborhood, but it's on the edge of that neighborhood, it's still only three-quarters of a mile away. But that one makes more sense because your neighborhood ends right next to that comp. So that comp from the broker actually makes more sense. I'm not saying that every comp from a broker is fictional, that's not true. A lot of brokers work hard on the comps. All I'm telling you is that out of five comps that a broker will give you, truly two or three are your neighborhood's comps. And this tool will show you which ones to pick. And then there's going to be a couple that are going to be, geographically speaking, still be in that one-mile radius, but they have nothing to do with your neighborhood and that this tool will allow you to basically ignore them. And then on top of that, obviously there's rent comp tools, there's you know, tools like Rentometer and a number of others. That four a five or 10 you know, dollar report. There's another one, for the moment, you know, also starts with the word rent. There are these tools where you paid $14. I remember paying $14 for this report, rent something and it gives me a report that is specifically about a single family and multifamily rents, right? Nothing to do with anything else, not demographics, simply about rents. And it gives me all kinds of rent criteria, you know, it gives me occupancy levels. Now I'm paying another 14 bucks and I've got rental information for my area, right? It's not giving me comps, it's basically explaining the per square foot rent. It's explaining how many units in my neighborhoods are one bed, two bed, three bed, those sorts of things so that I understand what the unit mix in that area is and if it's a good unit mix. So now I've spent $18 but I've gotten a huge amount of information. And what I find is people are unwilling to spend these $18 right? And syndicators are unwilling to spend these $18 and here's my message to you, right? As a syndicator, you only make money if your clients make money because they usually have a pref, right? So they're going to make money first and then you have to make money. You realize that on a 300 unit property if it does well, you can make $1 million or even 2 million and if it does really, really poorly, you make $0 million so you're paid less than the janitor that cleans that property. And it might be that the only difference and I know this is best case scenario, but it might be that the only difference between that 2 million bucks and not even making the janitor's salary, it might be those $18. Because you forgot that part. You look at everything else in the property and you fell in love with it and it had a beautiful pool and it had a beautiful clubhouse and it had a beautiful this and a beautiful that but you forgot to look at the demographics. Because one of the things I can tell you is some of the worst properties have the best looking clubhouses, right? So don't look at a damn clubhouse because they made it that good looking because they want to sell the fricking property to you and get out. James: Yeah, yeah, yeah. I mean demographic analysis and in some markets like what we're discussing right now, it's very, very micro. And how do you really decide the deal has an upside in terms of rent, that's why we look for in a value-add deal. Unless you're not buying value-add deal, you just want cash flow. Neal: Well, I think more and more of those deals, I mean more and more of the value adds are becoming cashflow. I mean, let's be honest here, James, nobody that I know of, no syndicator that I know of is able to drive up rents as much today as they were two years ago and certainly not as much as they were four years ago. So I think that true value add is becoming less and less available. Even the deals that are a full value add where we say, okay, we're upgrading 80% of the units, I get that, that technically speaking, if you're upgrading 80% of the units, that's a full value add. But I would challenge whether 80% of those units would receive $150-200 rent bumps. Some will, some won't. I mean the market is changing, the environment is changing. There's only a certain number of people in that neighborhood that can afford to pay that higher rent. And as you rehab more and more and more of the properties in that neighborhood, it becomes more and more and more difficult to achieve those rent bumps. So I think more and more people are doing light value add. At least that's where I'm seeing the industry moving to. James: Oh No. Even myself, I moved from deep value add two years ago to lighter. I mean, I still do value add, but it's no more the deep value add I used to do and just because I'm doing more agency loan nowadays, no more bridge loans19:47inaudible] Neal: I think that's really wise because we have to be cognizant of where we are in the cycle. And so I think you're doing the right approach because a lot of these deeper value add projects, there's another name for them and that is they're higher risk. James: And you also pay a premium for it, right? Neal: Yeah. Yep. Absolutely. James: Nowadays, the sellers and brokers, you know, you're basically overbidding the price up and you're basically taking the value away by paying more. Neal: Unfortunately that's the case. I mean, our company right now has three rules. Number one, everyone is overpaying. Number two, everything we buy, we've overpaid. And number three, if you don't find new ways of adding value to the property after we buy it, we weren't at our performance. These are our three fundamental rules today in everything that we do. And none of these rules existed two years ago. James: Got it. So coming back to the submarket analysis because I think you have talked about a lot of CT level analysis in lots of other podcasts so I don't want to repeat that again here. Coming to sub-market analysis, so let's say you're trying to prospect a market, right? So let's say I know you like Boise, Idaho, right? That's the top market that is. So let's say now you have Boise, Idaho, how do you go about prospecting within this city, right? How do you look at whether the deal, because the cap rate in the southern part of the city may be different in a certain part of the city, right? So how do you go about prospecting or do you just get the deal and start going? Neal: The true answer is that you know, several years ago I didn't have the kind of broker and partner operator relationships that I have today. My initial approach was to use a tool like city-data. I use a number of different tools, but neighborhood scout is my favorite, neighborhood level tool, city data, plus local market monitor, plus housing alerts, these three are my favorite city level tools. And then, of course, there's Costar. Costar is not just a demographics tool, obviously. Costar has a huge number of other benefits. The biggest benefit of Costar is supply. It understands incoming supply in the market, which as far as I know, no other demographic tools understand. Simply because Costar has these 50 Prius cars that drive around 50 US Metros on a daily basis trying to figure out all new construction that's going on and totaling it up and trying to figure out if demand is in excess of supply. And in many great neighborhoods, really good neighborhoods, demand is often not in excess of supply.That's because the neighborhood is so great that people are building 3000 units in a two-mile radius of you, which means that everything might be hunky dory now, but two years from now you'll be in trouble. So I don't have a cheap answer to give you when it comes to neighborhoods supply levels, really, Costar is the best option to look at supply and make sure that you don't end up in a market where you'll have 3000 brand new units, you know, delivering and they'll have, you know, two months off as concessions and basically tank your rents for a year. So that's my feedback on supply. Now away from supply, looking at demographic trends, you can do that analysis on a tool called city-data.com. So when I look at city-data, there's a map on city-data so you plug in the city. So it could be Houston, could be Columbus, could be whatever city you're in; it works better on midsize and large-sized cities. Doesn't work well on like a really teeny tiny city like Saint George. You're not going to get as much value out of that too. So let's say you're in Houston, right? So go look at, you know, scroll down, you'll see this very nice blue colored map of Houston and you notice something very unique. This is something I haven't seen in any free tools. That map of Houston is already broken up into bits. And you'll notice that some of the bits are really tiny, like half a mile by half a mile and some of the bits are big, two miles by two miles, three miles by three miles. And what city data is telling you is that that tiny little bit, everything inside that resembled everything else inside there, but that big one that's next to it, the two mile by two mile, once again, the same principle applied, everything inside of that two mile radius resembled everything else. That's why some of these neighborhoods are tiny, some are mid-size, some are large size. So what you're really looking at in that map are the neighborhoods in that particular city. Right? And if you click on any one of those little tiles, a box will pop up and that box will give you information specifically about that neighborhood. And there are five metrics in that box that I like to use. Now keep in mind if you pay for neighborhood scout for that particular address, you'll see more information than this, but obviously you're paying for that. If you want something for free here it is. That box, the first thing we want to see in that box is the income level in that micro-neighborhood, remember it might be like 400 yards by 400 yards. You want the income level, the median household income level in that neighborhood, you want it to be above $40,000, 38 is still okay in some of the Midwest states, but what I find is when you're down to 35 it doesn't matter where in the US you are, you're going to have delinquency trouble. So the median household income of 38,000 is the minimum acceptable level for multifamily projects. Obviously, this number has to be higher if you happen to be in San Francisco, it has to be higher if you're in New York. So I'm going to basically say the rule doesn't, that 38K number is really for markets that cashflow, right? So Texas markets, Florida markets, you know, maybe not Miami, but the rest of the Florida markets, that cashflow, maybe not central Austin. So understand what I mean by cashflowing markets. Here's what you'll see at 38K; when that number, the median household income in that box, when it starts going below 38 K, your delinquency levels start rising. And the true killer of profit is not occupancy. The true killer of profit is churn. And churn is tied to delinquency. Delinquent tenants, some of them do care about their credit, and so they just simply move out. They just leave a key and move out and they basically say, yep, you know, I'm going to skip and let's see if this guy's going to chase me. Because they know 90% of the time, it's not worth your while to chase them and try and get that money. You just move on. You rent out your unit, you move on with your life. And these skips and the delinquency connected with them, the repainting, the time that it takes, the marketing costs, the effort, the people time, kills your profit. And what I found is by the time you dropped from $38,000 in median household income to 30, the property and the project, for the most part, has become viable. I do not know of any syndicators that can make a profit in a neighborhood that is under $30,000. I've made that mistake myself. I haven't been able to make money. So to me, that first number that is an absolute is, go into a neighborhood that has the income to support what you are trying to do. Keep in mind, you're trying to raise rents, right? So even 38 is kind of borderline, right? I tend to basically use 40,000 as my minimum number. I have properties that are at 42 44 46; if you're in the fifties you're doing really well. If you're in the 60s then your property is getting closer to a 'B' and by the time it hits $70,000, you are in a 'B' area. So a 'C' area, one of the definitions, my favorite definition of 'C' area is 40 to 70,000 income, right? And a 'D' area is $30,000 and below. So 'C' minus is 40 to 30. And obviously, these are metrics I made up myself. You could successfully come to me and argue, no. In my area a C minus is not 40 to 30, it's 35 to 25 I'll just say, okay, that's fine. These are rules of thumbs that appear to work in the vast majority of the United States that people are investing. It may not work in your area, no argument, but I think that within the bounds of them being rules of thumbs, they do work really well because they allow me to understand the quality of an area. James: Got it. Neal: There are states that have lower delinquency. Utah for example, for cultural reasons, you can go a little bit lower than that simply because 10% of their income is going to the church, right? Everybody in Utah, very religious people, they contribute 10% of the church, which means that when they do get in trouble the church helps them out, right? So many times in Utah you can have lower delinquency even in markets that are under 35K. So that's a cultural issue, a cultural benefit that they have, but it doesn't necessarily apply to most parts of the US. So that's the first thing that comes up in that box. Remember, we're in city-data, we're looking at the blue map. We're looking at the tiles and we're clicking on them in a black box comes up. Well, the first thing there was income. The second thing that comes up on that box is the poverty level, right? It's very much tied back to the income. And poverty level, you want to be below 15% as much as possible. If you can be below 10%, you're going to do really well, but 15% I think is acceptable. And if you don't mind taking more risk, if you're in a noose indicator and you really need to get going, then maybe 20, but I can tell you if that number is 30, you can't make money. It doesn't matter how high the rents are. It doesn't matter how many units have been bumped up by the previous guy and they have $200 in rent bumps and 300 and all that wonderful stuff, it doesn't matter. At 30% poverty levels, you cannot get 12 consecutive months of rent from your tenants. James: So do recommend, I mean, I know that's the job of the active sponsor when they find deals, right? So even the passive investors should go and look at deals... Neal: Why not? Everything I told you, if you, you know, take this podcast and it's going to be on James' website, you can go to Florida or whenever the heck you feel like. Right? So it shouldn't take you as a passive investor more than 10 minutes, the rule still applies. And keep in mind that a lot of class 'C's are going to be borderline on this so don't expect that good syndicators are really buying properties at 5% poverty levels. 5% is not a good deal; at 5%, that's a class A area. And your syndicators not going to make you any money, so there's no problem with it being borderline. You just don't want it to be too far from these numbers that I'm giving. James: Correct. Correct. So let's say you get a deal today on the neighborhood that meets all your criteria, right? Poverty level, household income and all that, so how would you go about underwriting that deal? What's the first thing that you will look at? Neal: Well, I look at the numbers, the same demographics numbers to determine what my delinquency numbers are going to be. Because I find that I can raise a property's occupancy so there are certain levers that I have that are typical syndicator doesn't have. Syndicators don't have marketing teams, right? Syndicators basically have a property manager. That property manager might be good at marketing or bad at marketing. They're typically bad but they're never excellent, right? So we basically decided early on that that extra value add that we have to add in that no one else is adding in, is marketing. And by marketing, I don't mean investor marketing, I mean tenant marketing. So for every property that we have, we're actually adding more leads on top of what the property manager is generating. For some properties, it's 30% more than they're generating; in other properties, it's three times more than they're generating. So they're generating a thousand leads a year, we're generating 3000 leads a year and giving those leads to them. So I can basically move occupancy numbers up, you know, and I'm very confident about those. So I go back to delinquency. So I look at the delinquency of that particular area. Obviously, Costar gives you delinquency numbers, so that's very good, useful information to have for that particular neighborhood. The other thing that I like to do is, and this is not always available, is you can get bank statements from friendly sellers. Not every seller gives it to you, but some do. And one of the nice things about the bank statements is that some property managers, previous property managers have basically put all the money in like in one check. But most of them actually put the money in like every few days. So they collect the checks and then they go to the bank every day or every other day and they put the checks in. So to understand what the quality of the tenant basis and what they're capable of absorbing in terms of rent hikes, simply look at the checks to see how much of the money is coming in in the first five days, how much of it is coming in the next five days, how much of it is coming in the five days after that? Then the five days after that, then the five days after that. They might be saying that my delinquency rate is 2% but what if their delinquency rate was 25% on the 15th of the month? Well, that area, that kind of area where you still have 25 30% of the rent hasn't come in on the 15th, you have to be careful about not being over bullish on how much you can really raise the rents. There's a limit in that market, right? It may not be $200, it might be $120 that you can raise. And accordingly, you want to also cut down on your rehab budget. Because your rehab budget can be 6,000, it can be 8,000 give me 12,000 but in an area where you know, overall income levels are low, let's say 38,000, and you can see that 20 30% of their tenants don't even pay until the 15th, I'm not sure there's any benefit to doing a $12,000 per unit rehab. I'm not even sure you want to do an $8,000 per unit rehab. I think six or four might be better. Rehabbing does have benefits. The velocity at which your lease increases tenants, like the newer units, but beyond a certain level, it's not that they don't like the units, of course, they love it, they're just not able to pay for it. And when you don't want to end up in a situation where the tenants, all of your new tenants that have come in, those are the guys that are becoming delinquent because really their capability was to get $850 a month units, but they're all in the thousand dollar upgraded units. And so now, all of your upgraded units are the ones that have very high delinquency so when I'm underwriting, those are the sort of things I'm looking at. James: Got it. Got it. Yeah, it's very interesting to see delinquency and you say Costar has the delinquency data? Neal: Costar has neighborhood level delinquency data. Yeah, some market levels. So you can basically go in. That very long report, that's like 86 pages, it has averaged delinquency for a particular market. I'm not sure how they get it. No, I have no idea. But what's nice is they also have expense data, right? So they have expense data. Obviously, you talk to property managers about expense data as well but Costar gives you, you know, kind of the average expense for the submarket, the average payroll for that particular submarket. I find that people trying to beat the average payroll by 20%, it's wishful thinking. James: Yeah. How do you differentiate delinquency between the property management's skill versus real delinquency for the area? Because it could be just the property managers are not doing a good job, right? Neal: I think so. So one of the services that we provide on in properties that have higher delinquency, sometimes we have operating partners that don't want to do it but most of the time we do it is we make my staff, our staff, not the property management staff, will make delinquency calls on the sixth or seven. So we don't do it all the time, we don't want to do it. But let's say the property has consistent delinquency problems, consistent; one of the ways to figure out the answer to your question is, is this a tenant problem? Is this a PM problem? Hire somebody, give them a script, have them call every tenant that is not showing as having paid by the sixth of the month, make three phone calls, actually make two phone calls and two text messages on the sixth and the seventh. Repeat the process on the 10th and the 11th. If you do that for three straight months and your delinquency is still high, it's not a property manager problem. James: Well, you find that out after the fact, after you bought the property. Is there any way to find before you buy? Neal: Well, other than the demographics information I gave you? No, not really because the truth is that it could still be a tenant-based problem. But it could be that the previous owner was self-managing the property and let a bunch of deadbeats that should not have been in there. That in my mind is a management issue but not a property manager issue and that's also an opportunity. You bought this property because you think rents can be at 1100 with low delinquency. Right now, they're at 900 with high delinquency. Maybe the guy just let in a bunch of deadbeats so you can ask for credit reports of the last 25 people that have been put in, what was the actual credit report? Some owners will give it to you, some won't. If they're not giving it to you, you have to question yourself why that is the case? Was he just basically trying to just fill up the property? And, in that case, it's not such a bad thing. You just have to know that when you go in, you're going to have a lot of evictions to deal with. But in that case, it's not a tenant base problem. It's not a property management problem. It's a previous owner problem and you are going to benefit once you churn through all those bad tenants, you're going to have four years of good tenants in your property so you can still hit your performer. You just need more maintenance budget, you need more operating budget and you need your investors to be a little bit more patients because your first 12 months are going to be very rocky. James: Yeah, absolutely. I'm sure you've seen a lot of financials when you're underwriting a deal, right? So is there any dirty secrets by sellers that you have found from the financials or when you walk the unit and see, aah, they are tweaking these numbers here to make the property more appealing to the buyer? Neal: I mean, everybody has their own stories about these financials, right? So the one that I find that is fairly common is that you're going into a property, you want to be able to tell during your due diligence, don't do this during their contract negotiation. But during your due diligence, you basically call them and say, hey, we'd like to talk to a bunch of your tenants. And you randomly, always pick a bunch of tenants to talk with and make sure that there's nothing shady about their rent. So you have a tenant that's at $900 and everybody else is at 800, let's pick that tenant and let's talk with him. Let's make sure that there isn't some side deal where that tenant actually is paying 900 bucks and is being reimbursed $200 in cash. James: Has that happened? Neal: that has happened; not in a 250 unit type property, but in a 70/80 unit property. Basically, what had happened was all the new tenants that had started in the last four months, were all receiving cash back, right? I think there were 12 tenants and between them, $2,400 a month of artificial rents were created, which is $2,400 a month is $30,000 a year, $30,000 a year at six cap is basically $480,000. So that $480,000 for the seller was created by him negotiating direct deals with those 10 people and giving them $200 kickbacks. So his cost was 2,400 a month for three months and his profit was 500. James: Wow. I never heard that. That's really sneaky. Neal: Very sneaky. But you think about how much of an incentive that guy has to do it, right? Technically it's not illegal, by the way. James: It's not illegal? Neal: It's not illegal. He has to disclose it to you that there's a side arrangement, but you can't actually send somebody to jail for this. I mean, you can't sue them and win, in my opinion. James: You can't say it's a fraud? Neal: I think you can. I think that that's going to be fought over in court. In my mind, it's something that you should basically, in due diligence, if you look at higher numbers, make sure you talk with those tenants. It doesn't take that much time; during due diligence, you're at the property for multiple days. Right? Why not have conversations with four or five people and make sure everything's above board. Say, hey, we were looking to buy this property and just checking your rental contract and it shows $900 a month, is that correct? And if there's anything shady, that guy is not going to fall on his sword for the previous seller. James: Yeah. I mean, I've done all the due diligence for my properties. I never talked to the tenants. Do they allow to talk to the tenants when you are doing? Neal: Usually they do. I mean, obviously, they won't allow you to talk to a hundred tenants, but if you randomly pick three or four, they do. It's just not something that people ask for commonly, but there's no reason for them to have an objection. So that's one that I've seen commonly. The other one that I've seen commonly is that everything that you're looking at is actually coming out of the property management software, not from the bank statements. So you look at the property management software and it says $111,000 in monthly rents. But when you look in the bank, it's just 88. So what they're doing is basically they're not allocating for bad debt properly. And they're saying, oh, I'm sorry, this the way that our property management, Blah Blah Blah Blah Blah software works. What they're trying to basically say is, Oh, I'm sorry you caught us, but we're going to try and explain it away as some idiosyncrasy of the way our property management software works. But you know, yeah, we didn't actually make 111 that month, we only made 88,000. So I think reconciling bank statements to what the property management software says, is very useful. They may not be trying to screw you over or anything so the difference may not be 88 to 111; it might be 88 to 91 but it still shows delinquency in that property. James: So have you had any of these cases and you backed out of the contract? Neal: Yeah, I have. James: Okay. It's also tricky nowadays, in the hot market nowadays because people are paying day 1, hot money. Neal: It's very difficult. That's what scares me a lot. I mean, you pay hard money and then you find something where they've tricked you. The only way to get that money back is to sue them. James: Correct. Because people are paying like in a hot market... Neal: Even $200,000. I mean, it's ridiculous. I mean, that tells me that something is wrong. In my mind, there is no conceivable reason why anyone should pay $200,000 hard on day one. This is all frenzy that has been created by brokers and it's a sign of an unbalanced market. There is no reason why that should ever happen. James: Yeah. Yeah. I mean they do have something called early access agreement where you can go and see the rent roll and all that, but you can do a thorough due diligence. Some sellers allow it, but nowadays, even that nowadays they don't allow. Neal: Well, in my mind, James, I mean, if that is their intent, why don't they just say, okay, well we'll go hard on day five. When people want you to go hard on day one, there's no way to tell if they are doing it because they are unethical or simply because they weren't, you know, somebody who has enough skin in the game and enough confidence in his ability to close. The majority of the time, the reason is perfectly legitimate that they want you to close and so they want you to go hard on day one but I don't think that that's the reason 100% of the time or anywhere close to 100% of the time. James: Awesome. Yeah. It's a bit scary when you do day one hot money. So coming back to value-add, I presume all the deals that you're doing is value-add deals, is that right? Not a deep value-add or not completely. Neal: I have some deep value-adds but a lot of them are, you know, standard $6,500 type value-adds. James: So what is the most valuable value-adds that you see? Neal: Oh, it's easy. The single most valuable value-add are USB ports. One in the kitchen and one in the bedroom. So of all value adds, nothing comes close to that. James: Really, especially just because everybody needs a USB. Neal: Because everybody that comes in comments on it, right? So everybody that comes in comments on it and this is one of those universal things where men and women comment on it equally. And the better value add is, you know, these days, the wall plates, right? You get the wall plates with a two USB ports, correct? So if you wanted to really wow people, the new USB Dash C standard, pay $4 extra for one that has two standard USB ports, but the one in the middle is that new USB Dash C. So I think those are incredible, incredible value adds; they give you a hundred X return. James: Awesome. Awesome answer. That's absolutely helpful. So now let's go to a bit more personal side of questions, right? So why do you do what you do? Neal: The truth is I fell into it, right? So this hasn't been a conscious thing. I did technology. I started doing real estate because I was paying 50% in tax. So basically tax avoidance was the primary reason why I fell into real estate. But I think the bigger thing was that on the technology side, when I had W2 income, you know, many years I made more money than I made in real estate but I always felt nervous. It's like when you have $150,000 salary, you're always nervous about your position. Like, I always have to perform, I can never have a bad year, right? Because they might start thinking, well, we could hire two guys for 175 k each and get rid of this guy, Neil. So there was always that nervousness about not being in control of my destiny. And I don't feel that now. It doesn't matter if I have a bad year and I only make a hundred grand, but I still have control of my destiny and always make it up next year. So to me, I think it was less about ownership and more of our control over my destiny. James: Okay. But you will keep on buying deals? I mean, is that what your plan is? I mean, where do you want to stop? So what drives you to bite the next deal Neal: In my mind, what drives me is that I still feel like I'm creating value in each additional project. I'm finding some way to make those projects work. I'm contributing and I'm making investors happy and also, you know, increasing my own net worth. Will I keep doing it? No. I think that truth be told, I mean, I admire people like JC Castille who just love it so much. He says, Neil, I'm going to be doing this for 30 years. And I said, if I know one thing for sure, I mean you're very sure about what you just said JC, I met him recently. I know for sure I won't be doing this in 30 years and I know for sure I may not even be doing it in 10 years. I mean, to me, I think that life is an evolution and I don't mind telling my investors, look, I'm going to do this for five to 10 years and then I'd like to do something else because my career is very diverse. I've done solar education. I've done basically businesses around nursing. I've done high technology; like three different kinds of high technology, staffing, consulting, education services. I've even been a primary investor in a gas station. I'm an entrepreneur and what that means is at some point, I want to create the systems and processes so other people who are smarter than me can continue running the business forward. And so my most coveted title is not founder and it's not CEO, it is chairman. And so the longterm goal is that at some point, I want to switch to doing that. But I would not hesitate to shut down the business if I didn't feel I was adding value. This business only survives when it adds value if it doesn't add value, making it or forcing it to survive makes it a parasite. James: So when you say add value means, add value to your personal life? Neal: Add value to my investors. So by default, I don't say add value to my personal life because if I add value to my investors, the adding value to my personal is automatic. It happens by default, right? So to me, the only kind of add value that we should be looking at is adding value to our investors. And if it doesn't add value, we'll do something else. It doesn't mean I'll go out of real estate. You know, one of the things is I'm a very unusual syndicator in that half of my projects are new construction. And the project that I'm coming out with this week is called The Grid. It's a $30 million student housing project, new construction. And so why? Because as the market shifts and Class C properties become so expensive that everyone's buying six cap on actual or five and a half cap on actual, then in the back of my mind, I'm going, well, you know, I can make a brand new class A for seven cap. I know it's risky during construction, but let's say I get through the construction phase, isn't it less risky? Because at this point, you know, maybe it's not seven cap, maybe six and a half cap, but don't I have a six and a half cap, Class A building? What's the worst that could happen? Do we have a recession after dropped rents? So what? It's still a seven cap building and it's a brand new. That part of it is not going to change if I can't raise my rents. So I look at that and I go, you know, there's this whole business of buying Class C's at five and a half cap is scaring me. James: Yeah. I was talking to a broker the other day. He was trying to get me to buy a 1960s product at six cap. He says Austin is good now. Then I say what about the B class 1980s? Oh, it's like five and a half cap rate here. I'd rather buy the five and a half cap than buy the six cap; doesn't make sense, right? Neal: I agree with you. And honestly, you should not be, you know, between a B and a C, if there's a half gap difference always, by the B. James: Yeah. Yeah, exactly. So is there anything that you do in your daily life that you think has contributed to your effectiveness in becoming very successful? Neal: I think structure. I'm a robot that has some human, characteristics and I like being a robot. I am extremely structured, absolutely structured, all the time and I feel that it's difficult for people to tie themselves to structure. That's a very hard thing to do because we feel like we are losing something about ourselves. We feel like we're losing a part of our humanity. What I have found is that it's actually the reverse. I'm very structured. I start my work, I work with an extremely high intensity and then I stop and when I stop, I completely stop. I have nothing to do with work because I make sure that every second of those 11 hours or 10 hours that I work really count. And to me, I think that that makes me have a significantly greater output than some other folks. James: Got It. Got It. Any advice for newbies who wants to start at multifamily? Neal: Yes. Right now be careful. Please understand that while there is no crash on the cards, I don't believe in all this nonsense about, you know, prices going down 20%. People say that they clearly don't understand macroeconomics, but you are buying at the peak. This may be a peak that is sustained for a significant amount of time, due to the fact that basically, it's very difficult for prices to come down because of macro reasons, but you certainly not going to see the kind of all ships rising effect that we have seen in the last five years. You're starting now, please do not apply the past to your present. This is a tough time. It's going to be very hard. If I was starting today in 2019, the 2013 version of me would advise the 2019 version, not to start. That's how frank I have to be. If you're starting that's fine, but I think you should be cautious and be aware of what kind of environment you're in. James: Got it. Got it. Well, Neil, thanks for coming to the show. Can you let the audience and listeners know how do get hold of you and how to find you? Neal: Sure. I think the best way is through education. I'm an educator, I connect with people through education. I have a portal called multifamilyyou.com. We have about 50 webinars that we do every year on multifamilyyou.com. We archive all of them. They're deep dive webinars. They're very different from podcasts because there's a lot of displayed content and tens of thousands of people attend those webinars each year. So that's probably the best way to connect with me. I don't mind people having my direct email address. My email is Neal, that's the Irish spelling, n e a l neal@multifamilyyou.com. So you connect with me. I also connect with people on Facebook. I think about 10,000 people connected with me on Facebook. And then multifamilyyou.com. If you want to learn more about demographics, I have a free course. It's at udemy.com/RealFocus. That course, I think right now has about a thousand people enrolled. So it usually has 1,000-1200 people enrolled at any given point in time. So that's also a completely free course. We don't believe in pitchers, if you're a presenter and would like to present our platform, approach us, but it has to be pitched free. James: Awesome, Neal. Thanks for coming and adding huge value to our audience and listeners, I'm sure everybody would have learned a ton of things today. Thank you. Neal: Thanks so much. Thanks for having me on the show. Bye, James.

Opening Monologue - Antonio Brown refuses to pay his Chef - Big Chef Steff ("The Sports Chef" Stefano Tedeschi from Pittsburgh) Joins Mark on air to discuss his lawsuit against Antonio Brown of $38K all resulting from a frozen fish head - Coast to Coast

Opening Monologue - Antonio Brown refuses to pay his Chef - Big Chef Steff ("The Sports Chef" Stefano Tedeschi from Pittsburgh) Joins Mark on air to discuss his lawsuit against Antonio Brown of $38K all resulting from a frozen fish head - Coast to Coast

Using a device called the Cryoskin (and in only 28 minutes per session) how does $38K in revenue the first month with no advertising sound? "It's already happened and the top distributor in the USA is doing approximately $65K per month," says Co-Founder Simon Mansell.  "It's hardware as a service," he continues. "The machine, training, and marketing are all free. One woman would come in, the next day 5 of her friends would follow." Listen now to more about this powerful revenue driver.  

Its time to get serious, the hits are flying and chips are being cashed in for cold hard transfers, the Take the Hit boys have activated their free hit chips & give all the information on who to sign and transfer in.Micks lead has been slashed to a meagre 26pts ahead of the trailing & in form Joff, with overall ranks of 19K & 38K.Mane gets a massive shout as Micks reckless abandon Triple captain pick of the week as he has basically transformed into Flash Gordon recently.We talk about the teams that have already left for the Bahama's & those to jump on while they can smell the blood.A poor mans Drogba is thrust into the lime light with a deal worth $41m.All this and so much more on this weeks instalment as well as all the league rankings and captains picks.

“There’s two ways we can look at the world. There’s a fixed mindset… and there’s a growth mindset… People who have a growth mindset are more likely to be successful.” The entrepreneurial world is very small, and, coincidentally, Bonnie Fahy and Kim worked together 5-6 years before this conversation. Bonnie was a balloon artist, who, after learning about SEO, became a consultant. At a conference party, she was amazed by the $38K+ bar bill they racked up in a couple hours — and didn’t even flinch over. She wanted to know how they managed to make the money to afford such bills. Listen to hear Bonnie and Kim dive deep into the topic of outsourcing! HIGHLIGHTS 3:30 A $38,000 bar bill 5:30 Changes 15:10 Building a team without bankrupting yourself 19:00 Diligently delegating to we can stay in our genius zone 30:15 Intrinsic fit factors 30:45 Interview projects 34:55 Kim’s hiring disqualification process 36:20 Bonnie’s hiring process You're invited to find the show notes, resources and transcription for this episode at https://thekimsutton.com/pp548

Guest Josh Ingram founded http://Caps4Cops.com and came on the podcast to talk about it. Josh is a former jail deputy and veteran of the US Army Infantry. Connect with Josh here: http://caps4cops.com https://www.facebook.com/caps4cops https://www.facebook.com/groups/467540183657343 Check out our Fanpage of police supports (Over 230K strong!) https://www.facebook.com/wesupportpolice Check out our community of police supporters here (over 38K strong!) https://www.facebook.com/groups/supportpolice Ray Dietrich, 20 year law enforcement vet and former Sheriff's Sergeant, gets real about today law enforcement (and just a bit of politics) Connect with Ray & the Thin Blue Line Show Here: https://clyxo.com/thinbluelineshow

025 | Marc Von Musser Tells Us Not to Be Afraid to Invest $38K in Yourself Marc Von Musser is the Director of Sales at Clients on Demand, the most effective online business coaching firm in the industry today. Training coaches, consultants and entrepreneurs to create their own 6-7 figure businesses. For the last 35+ years, Marc has been helping businesses large and small, massively increase their sales and eliminate cancellations. Marc considered himself to be a great salesperson from the start, excelling at selling candy bars and newspapers, but quickly realized that there was more to the game, than the old pushy sales techniques. Marc believed in investing in himself, and did not shy away from seminars that were putting him into debt. Through the process he found himself in $38K in debt and had to figure out a means to learn more without spending more money. Marc shares his story of negotiating his way into the trainings that ended up changing his sales tactics and his career. If you're an entrepreneur, remember it's all about the client. Stop selling them. Start serving them to their solution, to their dream and leave the high pressure sales at the door. Marc experienced NO after NO, but never let that deter him from making the next call, or knocking on the next door. Tune in as Marc shares his incredible journey from waiter, to high-powered, non-pressure salesman! Enjoy, thank you for listening and tuning into Success Unfiltered! To share your thoughts: Email The Pitch Queen @ hello@thepitchqueen.com Ask a question over at www.ThePitchQueen.com Share Success Unfiltered on Twitter, Facebook, Instagram, & LinkedIn To help the show out: Please leave an honest review on iTunes. Your ratings and reviews really help and I read each one. Subscribe to the show on iTunes. Special thanks goes out to Marc Von Musser for taking the time to chat with Michelle. Be sure to join us next week for a new episode! Here are a few key secrets we talked about in this episode: Michelle introduces Marc Von Musser. Marc shares how he got started in real estate when he was 21 years old and looked 15, by working with his boss who was a mentor for the number one sales trainer. Marc invested $38,000 in himself through buying sales training videos, that he later learned did not work, and why he doesn’t regret it at all. When was the last time you used flashcards to memorize something? Marc shares how he used this method to learn the sales techniques from his trainings. Marc shares a couple stories about hearing NO after NO when trying to have homeowners list their house under him. Even after investing $38K in sales trainings, Marc heard of a new training and KNEW he needed to be a part of it. He worked with the trainer and negotiated his way in. Marc immediately began implementing the new techniques he had learned and was able to secure a pretty major sale that others hadn’t been able to. Marc said that the typical theory is that you need to talk to 10 people to get 1 sale, but he was making 30 to 50 calls before getting even 1. What kept Marc going? The dream that if someone else could do it, so could he! “The sales process has evolved, buyers don't want to be sold to. They want to buy and that is a distinct difference.” ~ Marc Von Musser Marc shares an incredible story of being able to get a homeowner to list with him and then turn this mess of a house into a beauty and had it sell in a weekend. Marc shares how that same house and homeowner ended up leading Marc to a lawsuit. “If a client isn’t a good fit for you, try and direct them to someone who might be.” ~ Marc Von Musser Marc shares what he would tell his younger self. Connect with Marc: Facebook Twitter LinkedIn Clients on Demand Are you ready to help your clients get what they really want? The DREAM! Click right HERE to learn how you get to those emotional hot buttons that tells the client that you “get” them and shows them to the promise land! Music produced by Deejay-O www.iamdeejayo.com

Our business partner today is Freshbooks Questions: I'm a successful aerospace engineer – and I can't take it anymore.  Dan, I earn over $100,000 yearly and I hate my job! I owe nearly $300,000 in college debt and I want to be the person where my cup is overflowing which allows me to freely give to others.  Dan, if I get career coaching and still don't get a job I want you to pay for it. Good News More questions Cliff Feightner poem: Is the job that you work a true callingOr on your family's desires are you fallingIs your working locationYour true vocationOr does your passion continue to be stalling Quotation: “Both poverty and riches are the offspring of thought.” Napoleon Hill  Tweet This Show Notes: Episode – 11-10-17 Title: N/A Subtitle: N/A Summary: Finding the right path is not easy, it's often a struggle that most people have to deal with. The problem is that it sometimes takes years before you realize you're on the wrong path and if you accumulate debt (like student loans) along the way, it can become a costly journey. Dan encourages you to take heart! To learn from your initial job experiences and discern what is best for you and your family. The choice is yours, and Dan provides listeners with advice to make the BEST and most informed decision possible. Sponsored By: FreshBooks is offering a 30 day, unrestricted free trial to my listeners. To claim it, just go to https://www.freshbooks.com/48days Time Stamped Show Notes: 01:04 – Preview of Today's Show on “Stop paying for low return college degrees!” I'm a successful aerospace engineer – and I can't take it anymore Dan, I earn over $100,000 yearly and I hate my job! I owe nearly $300,000 in college debt and I want to be the person where my cup is overflowing which allows me to freely give to others Dan, if I get career coaching and still don't get a job I want you to pay for it Good News Success Stories “Both poverty and riches are the offspring of thought.” – Napoleon Hill [spp-timestamp time=”02:15 “]– Check out the Monday Mentorship call at The 48 Days Eagles 02:33 – A poem from Cliff Feightner Is the job that you work a true calling Or on your family's desires are you falling Is your working location Your true vocation Or does your passion continue to be stalling [spp-timestamp time=”03:33″] – FreshBooks is offering a 30 day, unrestricted, free trial to my listeners. To claim it, just go to https://www.freshbooks.com/48days [spp-timestamp time=”05:49″] – Brennon Jones loves cutting hair for the homeless 06:16 – Apart from the hair cut, he gives people food, clothing, and toiletries 06:33 – A stranger named Sean Johnson knew Brennon would have a hard time continuing throughout the winter, so he opened a new barber shop they can use [spp-timestamp time=”07:21 “]– A little girl writes to Google to ask for her dad's day off 07:57 – Her dad only gets Saturdays off and his birthday is on a Wednesday 08:08 – The senior manager wrote back that they're giving her dad the whole first week of July off for his birthday [spp-timestamp time=”08:53 “]– Taylor Swift finds a bullied teen online singing her songs 09:27 – The bullied teen started doing covers of Taylor's songs 09:38 – On November 1st, Taylor Swift liked his post and it progressed into an event of super fans gathering at her mansion in Rhode Island 10:39 – Dan shares about his neighbor whose siblings died unexpectedly and took the children as their own 11:30 – Rebecca says, I'm a successful aerospace engineer – and I can't take it anymore 13:34 – “You're on the right track” 13:41 – Dan is not assuming you'll have to leave your career in aerospace engineering 14:08 – Dan encourages you to explore your profession 14:37 – Working at an outdoors shop is doable, but it might NOT be necessary 15:09 – Look for “AND” solutions not “EITHER OR” 15:50 – Give yourself 90 days to explore the opportunities 16:08 – Allan says, Dan, I earn over $100,000 yearly and I hate my job! 17:07 – A lot of times, the primary value of the jobs we take in our earlier years is to discover what we DON'T want to do 17:25 – Be clear about your purpose and your why 18:06 – Get clear on what you're moving toward, not just what you're moving away from 18:25 – Dan shares Maslow's hierarchy of needs: Transcendence Self-Actualization Esteem Belonging Security Safety People tend to seek to fill the lower levels and then move up toward the top 19:30 – Stay at your job until you have a clear plan about what you're going to do next 20:02 – Address your needs in the lowest level first before moving up to address the next one 21:17 – Self-actualization comes from the quote, “What a man can be, he must be” 22:04 – Transcendence is the highest level of being, relating, and behaving 23:13 – Everybody looks for transcendence 24:35 – Aaron's note, I owe nearly $300,000 in college debt and I want to be the person where my cup is overflowing which allows me to freely give to others 26:59 – You have to stop accumulating school loans by discontinuing that second master's degree 27:27 – Get out of the military and start addressing this loan 28:06 – The Master's Degree in Theology is listed as #5 on the 8 degrees with the worst return on investment — military chaplains have an average income of $38K to $58K annually 29:05 – Your heart and head need to work together 29:34 – Dan shares a variety of examples of things you could do 32:16 – Dan was employable and could have gotten a position in the university, but he didn't because it wouldn't work for his family 33:27 – “We serve best from a full cup” 33:47 – “To keep doing great work, we can't be starving” 34:52 – Walking out of this situation is very possible with a strategic plan in place 35:33 – Loans are not easy to address 36:04 – As a farm kid, Dan grew up with the thinking that if he didn't have the money, he couldn't afford it 36:15 – Every step of the way, Dan funded his schooling with the work that he did 37:35 – Covering their expenses with the money they earned was the only option for Dan and his wife, Joanne 39:12 – Dan did work on a run-down house to make it a beautiful again in exchange for rent—they stayed there for two years [spp-timestamp time=”40:09 “]– To ask Dan a question for the podcast – AskDan or email at askdan@48Days.com 40:40 – Brian says, Dan, if I get career coaching and still don't get a job, I want you to pay for it 42:34 – Dan already responded back giving advice for how to go about looking for a job 43:12 – Brian proposes that Dan pay for his coaching 43:53 – Dan is not accepting the challenge 44:05 – “There's a built-in incentive for you to not get a job” 44:12 – IF you get a job, Dan will pay for the coaching—two wins for you 45:03 – Dan is still committed to the idea that your age is NOT the issue in your ability to find a job 46:51 – Be confident that you can do whatever you need to and make a 10-year plan 47:15 – Dan closes today's podcast 3 Key Points: Start looking for “AND” solutions to find the best ways to solve the problems that you have. Be aware of when it's time for change—your mind and heart have to work together. Student loans can be eliminated by being creative in finding ways to pay it off. Resources Mentioned: To ask Dan a question for the podcast – AskDan or email at askdan@48Days.com The 48 Days Eagles Apply now for membership. New members get a video from Dan and a free 48DaysEagles shirt! The podcast timestamps are now clickable. Just go to any 48 Days Podcast and click on the timestamp of your interest. You will instantly be taken to that portion of the audio podcast. FreshBooks is offering a 30 day, unrestricted free trial to my listeners. To claim it, just go to https://www.freshbooks.com/48days Our 48 Days Coaching Mastery Program: https://store.48days.com/products/coaching-mastery-program Amazon Merch Program provenamazoncourse.com/48days Credits: Show Notes provided by Mallard Creatives The post Stop paying for low return degrees! appeared first on Official Site Dan Miller.

What's a good conversion rate? One that's better than last month. But how did you get there? Nick Disabato has built a career on research-focused A/B testing. Over the past year, he's helped Shopify Plus store KeySmart achieve extraordinary success. He joins us today to discuss that journey and how you can improve your store 5% monthly with his approach to split testing. "Never forget: focusing on your customers brings you more customers. Are you focused on helping your customers, or are you focusing on what your coworkers want?" — Subscribe to The Unofficial Shopify Podcast on iTunes Subscribe to The Unofficial Shopify Podcast on Stitcher Subscribe to The Unofficial Shopify Podcast via RSS Join The Unofficial Shopify Podcast Facebook Group — Learn: How testing makes you money What makes a successful test Testing's impact on design Why testing defangs your internal debates Links: Draft The A/B Testing Manual nickd.org Visual Website Optimizer Hotjar Free Guide I want to send you a sample chapter of Ecommerce Bootcamp, free. Tell me where to send your sample at ecommerce-bootcamp.com Transcript Kurt: 00:06 Before we continue, I wanted to share a quick tip from our sponsor, Referral Candy. We'll find out what's working, then do more of that, so look at your top sales channels and then double down. It's the 80 20 rule and action. For many stores, word of mouth is a top channel, but how do you double down on the word of mouth? Check out Referral Candy - increase word of mouth sales by giving your store a refer a friend program. They're giving you guys 50 bucks to get started with it. Just go to Kurtelster.com/referralcandy to get started. Kurt: 00:37 Hello and welcome to this episode of the Unofficial Shopify Podcast. I'm your host, Kurt Elster, agency owner, Ethercycle, author of the Ecommerce Bootcamp, and a lot of other things. Find out more on Kurtelster.com. That's my podcast radio voice. At this point, I can't say Unofficial Shopify Podcast any other way. I apologize for that. Joining me today is a wonderful gentleman who, through a mastermind group that he started, has changed my life and a lot of inspiration to me and is also an quite the interesting character who's been on the show before. Please welcome Nick Disabato. Nick: 01:11 Hi there. How's it going? Really happy to be here. Kurt: 01:15 So Nick, the last time you were here, it was a good episode. I enjoyed it. I like talking to you, but for you, you had a great outcome from it. You landed your favorite client. Nick: 01:27 No offense to my other clients. All of my clients are really my favorite client. I landed a fantastic client. They are a lifestyle, everyday carry brand called Keysmart. If you go to getkeysmart.com - they are wonderful. It's essentially like a multifunction tool for your keys and it makes your keys a little bit more organized, has a few extra tools and all these other things. Just to talk about what I do for a living - I run A/b tests for e-commerce and SaaS businesses. Those in the audience who don't know what A/B tests are - you have a change, you want to vet the economic impact of it, you test it against the control and you determine what the actual lift is. You've come up with ideas through research, you end up making that a core part of your design process so that you're not making bad decisions that could potentially hurt your business and you're more carefully and scientifically vetting what could actually convert better. Keysmart's revenue has gone up. I forget the last calculation I had done. I think it's something like 75 percent as a direct result of my A/B testing over the past nine months. Nevermind the fact that they have also been growing significantly as a company. So that helps as a force multiplier, right? Like they're getting more traffic, they're getting more sales, and then people who come in are more likely to convert that last bit is because of my work. Kurt: 03:02 On Shopify Plus, they have a really cool custom theme. I've done a few few modifications to it for them. There's like a lot of brands you hear talked about on Shopify that are very popular and you don't hear Keysmart talked about that often, which I always find strange because it's a cool product, but it also is quantifiably one of the most successful stores on Shopify. Nick: 03:25 I even mentioned to Andy, who's one of the people there, that we should just say we have like thousands of happy customers. Then he said we have millions of happy customers. I'm like, great. Kurt: 03:37 I was talking to Andy, who has been on the show before to say, wow, your facebook campaigns and your marketing... Andy's the one who did this stuff and it's phenomenal. I've never seen anything this successful. And he said, yeah, we could scale it, but we can't ship fast enough. That's your problem?! Your bottleneck is because you literally can't get the product out the door quick enough. That's nuts. I've never heard anyone say that Nick: 04:05 That's a really good problem to have. I like when I can cause problems for my clients. Kurt: 04:13 That's what you did. How did that happen? What is the test you ran? How did you go about it? How did you know what tests to run? Cause I know with a/b testing, everyone thinks it'll help them pick the right button color. And it's not that at all. It's quite a bit more complicated than that. Nick: 04:32 Yeah, everybody wants to know where they should start with testing. When they ask me that, it's as if they want the one weird tip that causes the revenue to go up by 75 percent. That's not at all true. I'm so sorry. What I do is research what your customers are doing and then come up with informed guesses as to what these tests may be. Button colors generally don't work. Headlines work. If you have a clear idea of what kind of headline you should be writing, there is no such thing as just writing a headline for the sake of it being "more persuasive." So what I'm doing is going into Google Analytics and figuring out if mobile is converting dismally. OK, why? Well, the page time is taking really long time to load. Nick: 05:20 Well, that kind of sucks. Why is the page to taking a long time to load? Oh, you have a one megabyte product image on your page and you never bothered compressing it and it loads great on my comcast for business connection, but then I go into chrome and simulate a 3DG connection that's dropping occasionally and the page takes 38 seconds to load. You're not closing a sale. That was one example of research. What I did was go into one of the product pages and then extensively compress the product image and it ended up being like a 38K product image. It looked a little granular. Whatever. It's on your cell phone, you're on a train. You don't know what it actually looks like, and it's probably smaller than the actual product in person, but I ended up converting something like 11 percent higher because way more people were able to load the page effectively and make a purchasing decision. Nick: 06:17 They don't care how compressed your product image is or what CDN is serving it. That was the most basic mobile optimization thing. But I went in, said this isn't working, let's fix it. It's leaking money. That wasn't a headline, it wasn't a button color, it was something that should have probably happened at the beginning of this site being built out, but nobody caught it. So that's one thing. Another thing that I run is heat maps on your site. I determine where people are clicking, how long down the page people are scrolling, that sort of stuff. One thing that I find very frequently in Shopify is that they keep the same navigation on the same template from page to page. So you end up having like the full blown navigation and all these things all over every page of the site. And that includes your shopping cart and your checkout pages. Nick: 07:13 That sucks for a variety of reasons. This is a rare moment where I'm going to recommend something pretty fervently and say it will probably convert better. When I say probably, I mean it's likely to. Don't blame me if it doesn't. You have to test it, but try removing those links in your header navigation. When people get to the shopping cart page - Amazon does it, Ebay does it, and it works extremely well for keeping people focused on conversion. They're not just like, oh, shiny. And then go somewhere else when they're just about to pay you. The last thing people want to do at any point in the transaction is fill out a form, but you have to make them do it and you'll have to make them do it at the last step. So I strongly recommend doing that. Nick: 07:59 We have most importantly over the past nine months crafted a process and an internal culture around constantly checking our own beliefs around things. I think that's been the biggest outcome. We have a part time developer on staff right now who is constantly making changes to try and optimize stuff from a programming and technical debt perspective, which allow us to run tests considerably faster. Ideally, you always want a test to be running as much as humanly possible. You want there to be kind of consistent tempo around it so you want to be building the next test while a given test is running. So, we have a Trello board for vetting test ideas and researching them and we move things along on this Trello board and when we get to the point where we need to be building it, then I coordinate with the developer to build it. If you don't have a developer, one thing I would recommend installing as few plugins as humanly possible in your Shopify store, and I know that sounds so cringe worthy because plugins are a huge value add to Shopify, but they add a lot of code dependencies and craft that might actually bite you later on. I'm not saying this about Keysmart necessarily, but I have seen it enough. Kurt: 09:17 It's true of any store that installs into several plugins; even one could start adding these bizarre dependencies. And then to your earlier point about performance optimization, there are two things that generally cause those performance slowdowns. One is the giant image like you described. It's very common because people want their image to look the best. So they save it out in the highest possible size that causes these bloated load times. Plugins and Apps - each time you add one that starts adding code dependencies. You'll see sites that load jquery like four and five times because of these apps aren't paying attention to each other and you've installed something and installed it. But yeah, it's a little bit of a rabbit hole there. Nick: 09:56 Yeah, absolutely. So, you know, that's definitely something that can weigh down your site and keep you from being able to make changes and deploy. And it's so funny, it's this combination of like the full facebook move fast and break things mentality, but you're doing it in a way that isn't so fast. We need to research it. So you're making a lot of changes, but a lot of it is like almost infrastructural where you're figuring out, OK, well how am I creating a separate product so that I can make changes to that and shunt people there as a variant page. How can I create variations on Shopify's end using if/then logic. There's no in built framework for this. So you're running a test maybe on maybe one product page that has if/then logic, if you're particularly sophisticated, or you're just running two skews and hoping to God that the inventory works out. I've definitely encountered both of those situations. If you're in a position like Keysmart, you cannot afford to have two different skews and hope that the inventory works out for reasons you had just mentioned, Kurt, right? It can be really difficult there. Kurt: 11:10 So going back, you had mentioned heat maps. Two questions. What is good heat mapping software and what am I supposed to get out of heat mapping? Kurt: 11:24 I'm going to start with the second one first. You're supposed to understand where people are interacting with the page and where people aren't interacting with the page. Then you figure out how that squares up with your business goals. I've written a huge, huge, deep dive on heat maps recently that actually goes through a couple of example ones and then says, OK, well people aren't clicking on our primary call to action and why is that happening? Well this area is lighting up like a Christmas tree. Why are they going? And you just have to ask yourself, why are they going, how can I make them do something else? Because they're not going to be cajoled into actually doing the thing that you want. You have to investigate their motivations, right? Nick: 12:07 Why is the page persuading people to go to the things that I don't want them to go to? Then you start to come up with some speculations about it and you'd say, well, OK, well maybe they're not ready to buy. Maybe it's a high involvement product, maybe it's not our flagship product, but it's the cheapest product. Maybe a masthead - we've never bothered swapping out the masthead image. Maybe it's just the first place that people go after viewing a facebook ad. And so we haven't like actually segmented this sensibly enough. The thing you're trying to figure out about heat maps is like real world customer behavior, right? Good tools for it - for most of my Shopify clients, I already have heat maps that I get out of my a/b testing framework, which is visual website optimizer. Nick: 12:54 You could go to vwo.com. It's a little bit overkill if you're not actually running a/b tests yet. In that case, I would recommend hotjar.com. They're like $29 a month. It's just comically cheap and you get heat maps, scroll maps, you get to see people's cursor and finger as they go around the screen. It's amazing and always really compelling evidence for a client. Usually when you show heat maps to clients, they feel like they're staring directly into the matrix because they've never actually seen the real world behavior in that visual way before. They go a little feral over it, which is great. Right. But heat maps and Google analytics are only two of the things that I do. I also actually get paying customers on the phone and talk to them for an hour about why, what competitors they vetted in, why they chose to buy it at this point in time, what motivated them, whether they're using it now, and what their problems were beforehand. Nick: 14:03 I actually ran an annual survey for Keysmart in particular recently and it was asking about like other every day carry things. That's going to shape a lot of the other products that we're going to be putting out later. So there's a lot of like other strategic things that you can be doing; it's not just about vetting the impact of the design decisions, but you end up like drilling down to the business needs in a lot of ways and saying, OK, well what does this business stands for? Is it selling a bunch of this widget to people or is it providing a broader ecosystem around the thing that we care about? Neither bad answers, right? You just need to know what the answer is so you don't go down the wrong rabbit hole. Kurt: 14:39 This sounds a lot like a lot less like traditional a/b testing in more business and user research which are incredibly valuable things. But is it a/b testing? Nick: 14:59 Well I say it's research-driven a/b testing. A/b testing is a tool that you use in the service of optimization and it is usually the last step if you're getting a certain number of sales. If you're on Shopify Plus and you're listening to this, you probably get enough sales for a/b testing. If you get 500,000, that's probably the minimum, especially if you have one flagship product and all your traffic is going in there. You should not be stabbing in the dark on your design decisions. You should not be arguing internally about your design decisions and wheel spinning and then saying, well, a/b tests our way out of the hole. That is not a good strategy for making changes to your site. That is how you end up getting a 12.5 percent success rate on A/b tests industry wide. And that is true, right? But if you research stuff and just say people aren't clicking here; even something that basic ups the success rate to around 58-59% in Draft's case. That's tests that are generating revenue, not mailing list sign ups, not people are engaging with the page more. No, no, no. Screw those things. What matters is that you are increasing revenue, decreasing costs, or decreasing risks to the business. And in A/b testing, you're getting at least two of those things every single time. Nick: 16:32 You have to end up backing it up with research. It's absolutely essential. If people say, I want to cut the research and I just want you to run a/b tests for me, I'd probably nope out of the project. Kurt: 16:44 Knowing you, I can assure you that's what you would do at that point. You're just shooting in the dark. Nick: 16:55 Yeah, honestly I charge you. I have probably a moral obligation to not take the project at that point because I would take early five figures of your money, do a bunch of research via Marionette for you, not get good business results, and you would waste money on me. And then we would part ways and everyone would feel frustrated. And you would think that a/b testing writ large as a failure. My goal in my career is to make sure that people understand that design decisions have an economic impact. I'm doing a tremendously bad disservice to the cause of design if I would take a project that did not actually have research as a component for it. Kurt: 17:32 I don't have a good follow-up question. Kurt: 17:42 Give me a good next question. I've got nothing. Nick: 17:54 This is a big mindset thing. Like it's, it's something people are used to design decisions by debate, right? There used to be around ideas. Kurt: 18:06 You know, even getting hired as a designer, you go through this constant back and forth with clients and that's why you have to back up a lot of design decisions. Saying, I didn't just pick that because it looked pretty, here's the reasoning behind it. I've cited my sources. Even then you're going to get push-back. The person's going to say, well, my dog doesn't like blue. So you have to change those kinds of things. Nick: 18:28 Yeah. And I actually run into the study testing clients, like I've had one recently, a keysmart were lovely clients. They are insanely brilliant. They're a wonderful team and there is a forgivable foible at play here where we have the Trello board where we're suggesting different design decisions and all these things and we'll start batting it around. And in the critique process, most good designers, they have what's called the yes. No, yes. Other places called the Shit Sandwich. And uh, where you say, I love this idea, I think that we might need to change it in a little bit this way or what's your thinking on that? Or something like that. And then you end up with another yes. Like, uh, again, I think that this is really cool. I just wanted to know what's going on here. So that is classic critique, active listening technique, non-violent communication that allows people to not feel threatened or imposed upon when you're proposing something. Kurt: 19:20 Right. Um, which is great, right? Um, it's super useful and what they see is, that's a great idea. And they're like, great, I just shipped it and I'm like, well no, this is a board for testing ideas that have to be tested and researched and there's gotta be a process. And so I ended up having to like spell out, here's what happens when a t how, here's how test ideas get on fire, hose them on, here's what happens when they get on, they need to go through this process, not only to make me feel good about having this actually go the way we wanted to, but also to kind of expose it to the harsh light of day, right? Like we need to make sure that not only is it a good idea to us, but it's actually a revenue generating idea for the business. Kurt: 20:07 And that involves research that involves spending a little more time actually thinking about the ramifications of the decision that involves squaring it up against all the other decisions that we've put together in the past. Right? Like the more tests we run, the more likely it is we're going to continue coming up with decisions that don't work for us or that we've already tried. And some other form and we want to make sure we're not spinning our wheels on this. Um, so I had to go and sit down and say, you know, you want to do ab testing like you hired me. That seems obvious enough, but your still thinking in a way that is like the socratic inquiry design decisions that, that everybody does and I get why you do it. It's because you have like 10 years background in this industry and that's all you've known. Kurt: 20:57 And then I asked to come in and be the fun ruiner right? I'm really good at ruining people's fun. I'm really good at it. Um, and I don't like having to come in and be the fun ruiner I like it when people agree broadly with the concept of Ab testing and then figure out the execution behind it. Right? And there's a lot of like, psychological impact that too, you know, like when a test fails and you have to say, well we should keep testing. You don't look good politically by doing that as a consultant or as a worker or anything. If you're the champion of the project, you look terrible to your boss and the best clients are ones where we'll spend like three months planning a task and putting together this giant, ambitious reworking. It fails miserably and they're like, it's OK. Kurt: 21:47 I saved you from wasting more time on what would be a boondoggle of a project. But if you let, you know, if you get emotionally invested in it and you have people you know, fighting for, um, you know, they're, they're designed candidate for just to save face. It doesn't work. And that's where it split testing gives everyone this easy out. You know, when I argue with my children clear, like they just want an out, but they don't want to have to say, well, I was wrong. They'll always take the out if you give it to them. And I think that's um, as a tool for ending Itar internal debates, split testing is wonderful and you know, in your own language you say, well, it defines them. Kurt: 22:26 Yeah, absolutely. I mean, it, it, if you have a process for considering design decisions, defangs them. And it also removes what in Ux parlance, it's called the hippo or the highest paid person's opinion. I love it. I relish it. Nothing more than when the like high school marketing intern comes up with a testable design decision that bumps revenue by 15 percent. And I just know about the CEO is design decisions. It's like one of my favorite things. It's so satisfying. I'm like, you know John over here, I'm actually about 15 percent more revenue for the business and we're paying him barely minimum wage credit. Kurt: 23:07 No one wants. No one's gonna argue with it because who doesn't? If you're, if you're the business owner, if you're the employee, you're goal is roy in Split testing gives you this beautiful framework to do that. Right? Kurt: 23:21 Roi Is also measurable in decreasing costs. Right? And I can come in. The most classic example for Ab testing is like this was a disastrous thing and it lost 11 percent revenue and now we're not rolling it out to everyone. So we avoided a bullet, right? That's the most classic one. But I tell you, I've run shopify Ab tests that pair to back the number of skews that we were offering and ended up decreasing overall like cost of goods and cost of manufacturing by like 25, 30 percent because it turned out nobody gave a crap about all the ancillary products that we were offering and offering it in one color, one size actually worked better for us. Kurt: 24:04 You're eliminating, um, in many cases you're eliminating choice paralysis. People don't have to consider the thing they probably don't want. And even if it was like one in five, you still have a Pareto's principle, the 80 20 rule. And you're exploiting that by offering fewer products. People like storage often act like I'm crazy when I suggest that. I'm like, have you considered offering fewer products? Here are fewer options. So they're like, what? No more products means more money and it isn't the case. Not always. Kurt: 24:33 Yeah. And then you can cite a bunch of consumer research around it, but like shopify store owners have printers in general, they have a habit of like they made a successful product and now let's make it green. Or let's make it slightly larger or let's put Swarovski crystals on it or something, you know, and, and they, they get antsy because there's this constant process of reinvention and it might juice the numbers temporarily because you're getting a little bit more engagement from like collectors or something like that. And that could work in the long-term if you're a brand like field notes and you've released something new every three months and you can run out of it really quickly, but most storefronts probably don't have that luxury or they're probably not creating goods that are amenable to doing that. And so I would, you know, removing products is one of those things and that's one where it's like maybe we are settling intubate, but like what's the monetary upside? And I asked them to like, you know, we got rid of these products. That's great. Like what's the upside for you? It was like, oh, probably we just produced manufacturing expenses by 25 percent. I'm like, peel jaw off the floor. Like, are you kidding me? Like oh, OK, fine. Kurt: 25:52 Yeah. If I want to hire nick D, if I want to hire you to do my split testing, I know you actually run a business that's small by design. Um, so you can take out of the limited number of clients at any one time so I can hire you or, Kurt: 26:12 or you can. Um, so there are, there are a few ways to, uh, enlist my services. So the easiest thing that you can do right now, if you go to ab testing manual [inaudible], I, uh, I'm writing a book and creating a video course around everything that you need to know about Ab testing for your store. Right? There are three different packages. One of them is just the book. If you just want to know tactics about how to run an ab test and research it. Another is the video that talks about all the strategy, like the things that we were just talking about around, like dealing with disappointment around Ab tests, dealing with the psychological impact of it, the mindset shift needed in an organization. And then the third thing, which is obviously my favorite, is I come in and do a giant tear down of your site and you get the video course and everything else and it's like a hour long video tear down, like I actually go through on screencasts and pick everything apart and offer a ton of testable ideas. Kurt: 27:11 I also run heat maps and fine tune your google analytics install for you. So that's the deluxe wash if you want the really big package where I come in and run a b tests for you and dictate your strategy, um, that is probably going to be accepting new clients shortly before the holidays. Knock on wood. Um, I don't know when this episode runs, but um, I'm hoping to open up like one slot for a store owner probably end of November, ish. That might give us enough time to start ab testing and Ernest for the holidays. Um, it might get us enough time to get a plan going, but timeline depends heavily on like where your sites at and what you've gotten stalled, what your team looks like, that sort of thing. Um, but if you go to draft a dot and you, I spelled it all out, I'm probably your best option is grab a copy of the Ab testing manual, read through it, see if it makes sense as something that you should be doing for your business. You should really only be working on ab testing. You could work on optimization. Anyone can do that. Anyone can fix browser bugs or compress the images on their mobile pages. Um, but if you're running ab testing, you should probably have around 500 to 1000 transactions a month minimum. Ah, and that's not everyone who's listening to this, but it could be you someday. And maybe you'll think of me then. Kurt: 28:35 So what's, we're coming to the riverside together. Want to see if you have any closing thoughts. What's one thing you wish every shopify store owner would do? Kurt: 28:43 God, your biggest enemy is yourself. Most of the time when you think about the way that people are engaging with your product, you may be wrong and that is scary. You're the one who is the most informed about your product. Um, you think about it every day. It's your job, it's your life's work, um, but that's exactly why you shouldn't trust yourself on it, and the most important thing that you can do is listen to your customers and do what you can do, research it, whether or not you ab test anything after is that's up to you, but take the time to like run a survey. You can put together something on type form in 15 minutes and blasts it out to your mailing list and put it as a call out on your homepage for a week and then analyze what the impact is and it might teach you a lot. Kurt: 29:29 What do you think about including a link? If you made a survey like that, it's easy to use type form [inaudible]. There's no reason you shouldn't have the data you get out of those things is unbelievably valuable. What do you think about including that in the, uh, order confirmation and the receipt? Kurt: 29:42 The thing that I actually love doing kind of like life cycle emails too. So you get an order confirmation but, and actually deliver the product yet the order confirmation might be like jobs to be done type stuff like Clayton Christensen type questions. Like what led you to do this? What was the last thing you had an objection about before you went and purchased? Um, who else did you consider that sort of stuff. That's really great to get right at the height of purchase because it's also the height of enthusiasm. I love also sending a survey or sending a survey separately. Um, maybe like two or three months after they received the product. Like are you still using it? How did you enjoy it? Do you have any issues with it? Um, were there any problems with like assembly or something like that? Those are amazing. Amazing for figuring out. Kurt: 30:29 Not just like how to actually talk about it on your website and get revenue generating changes, but maybe even for like how would you help with onboarding on the product, right? Like how you help with maintenance of the product or something like that. Like is it a leather wallet? Is it prone to cracking? Great. Sell a bottle of needs, foot oil on your site and get people to condition their wallets, pushed that a lot in a little card that you ship with the product, that sort of stuff. Um, it's, you know, optimization effects every part of the business. Kurt: 31:00 Absolutely. Those are all great tips. Um, so what's one piece of information you'd like to correct about Ab testing? Kurt: 31:07 Um, it is not a sack of money button. It is a tool, it is not a panacea for your job and it is a tool and it is one part of optimization and you have to be considering things more holistically than just this headline converts better. Kurt: 31:24 Very good. And lastly, where can people go to learn more about you? Kurt: 31:28 Draft Dot n u a n as in Nick, U as in the letter u university that um, and uh, yeah, if you want to learn more about the AB testing manual, ab testing manual, [inaudible] is your best option there. Kurt: 31:45 Nick. Thank you. It's been my honor and pleasure. Kurt: 31:48 A total honor. Thank you so much for having me back on. Kurt: 31:50 So however this audio made it until find out more about an unofficial shopify podcast.com, and if you'd like to be notified whenever a new episode goes live, subscribe in Itunes, join our facebook group, unofficial shopify podcast insiders, or set up for my newsletter. Speaker 5: 32:05 I'll shoot you an email whenever we post a new episode. Thanks everybody and we'll be back in. Our program was produced today by Paul Reeder. The unofficial shopify podcast is distributed by either cycle, LLC will be back next week with more value bombs for shopify store owners. If you're looking for more high quality and actionable advice on learning the business of e commerce, join thousands of other shopify store owners on our totally free newsletter at ecommerce bootcamp. That's e-commerce hyphen bootcamp.

This episode was recorded on Wednesday.. Thanksgiving Eve!  Journal Update: Kicked Darius’ ass. Returned to Kindle Keep. Aimless Discussion: - Cognitive Dissonance in Games News: - Suggested by Chris from the Facebook Group: Eve Online Fountain War book ($150K Goal, $38K raised). Fountain war made every news outlet and $300K in virtual ships and cargo destroyed - Pornhub announced a drop in viewership due to Fallout 4 release -Valkyria: Azure Revolution Announced -Everquest (the original) releasing 22nd expansion. EQ2 releasing 12th. -Retro City Rampage sequel to be 16 bit -“Leon280698” updated Star Wars Republic Commando for modern pcs -Kotaku whining about being blacklisted by Ubisoft and Bethesda. Claiming that reporting details in a script leak is a public service. (Tycho has no sympathy, and neither do other podcasts)

Your words and your imagination are the tools that you will use to either create your wildest dreams or the nightmare of your poverty. Once you become conscious of the fact that the questions that you are asking yourself NOW are literally creating your reality you will find that what you want to experience while here on this planet is 100% up to you. My guest for today's episode is Mark Hoverson. Mark has created has created a business empire and his dream lifestyle by simply asking himself questions and taking action on the answers that were given to him. I first came across Mark on youtube maybe 5 or 6 years ago and since that time I've learned a lot from him about entrepreneurship, sales psychology and business leadership.  Mark comes from the humble beginnings of once living in a trailer home, qualifying for welfare and being in as much as $40,000 in credit card debt before he made a decision to turn it all around by following his passion. He's since made ten's of millions of dollars through his multiple online businesses over the last 8 years.  There were a bunch of different topics we could've tackled in this interview but instead of trying to force too much Q&A structure around the conversation I decided to just talk and see what came up and as I guessed would happen he wound up dropping a ton value.  Some things you'll learn in this interview; Why he was able to earn millions of dollars after being broke and living in a trailer home for 5 years The idea of genetic entrepreneurship Why basing decisions on logic can often be a mistake The power of asking yourself questions The one question that he continually asked himself that took him from making $38K per year to making over $38K per month The power of bringing ideas to completion How to use emotional outcomes to propel your success  Why story telling is critical in influence and leadership The 4 questions you should alwasy ask before creating content How to get your content to go viral Mark's #1 daily success habit How he would create success again if he lost everything  The power of having a big vision If you're a fan of psychology and persuasion then get ready to listen to one of the best direct response marketers in the world. Mark charges private clients as much as $100K for a private consult. He also doesn't do a lot of interviews so shout out to his partner Tyler and the whole team over at Hoverson Leadership for helping us put this one together.  Live Big, Dream Big   Show Links Minute With Mark Podcast

A one on one interview with one of the hottest rising social media stars Kaitie Cali. Kaitie has a large following on Instagram and Tumblr due in part to her beauty and 38K chest. We will discuss her rise to fame, how she deals with it and her plans for the future

Kyle Uebelhardt is the host for this edition which reports on the following news stories. Stakeholders Pick Sides In S.B. 863 Constitutional Litigation. U.C. Davis Cop Settles Controversial Comp Case for $38K. CDI Awards $32 Million in Grants to Combat Comp. Aptos Builder and Employees Guilty of Comp Fraud. Correctional Officer Arraigned on Comp Fraud Charges. Implaintium CEO Convicted of Spinal Implant Overcharges. Insurance Commissioner Approves WCIRB Regulatory Filing. 49ers' Construction Site Deaths Trigger Cal/OSHA Investigations. One Million Fake Xanax Pills Seized.

We start the show with a little BS-ing.Moving friends, the weather, class reunions and the like.A plea for the people of Pakistan.Dick Chaney's congestive heart failure.A display of Dan's computer prowess.Mail Bag:1) Some humor from Denny.2) Peter sends in an open letter to President Obama from Lou Pritchett.3) Pete sends in a couple: Bell, California: City of 38K pays city manager nearly $800K.Mexico is angry with Arizona.4) Mike's is on food for thought for doing the right thing.The Rest of the Show:1) Cemetery agrees to flag over Vet’s grave.2) Vietnam Veteran in Florida wins battle over display of U.S. flag.3) Court upholds expulsion of counseling student who opposes homosexuality.4) Memphis Christians fear discrimination if revision to anti-bias policy gets OK.