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As property managers you likely know a little bit about mortgages. But do you know about non-QM loan strategies and how your clients and investors can utilize them? In this episode of the #DoorGrowShow, property management growth experts Jason and Sarah Hull sit down with Matt from Nexa Mortgage to talk about using non-QM strategies to unlock your portfolio's potential. You'll Learn [05:46] QM loans VS non-QM loans [16:14] Why Jason and Sarah went with non-QM [22:07] Which one should you choose? [26:46] Why should property managers know this? [32:23] What about long-term rentals Tweetables “If you have a great manager, it makes sense to get as many properties as you possibly can, knowing that they are in good hands and they are being taken care of because all you're doing is printing money.” “If you have a way that you can help your investor clients get what they want, which is more deals, it's a win.” “If you are a property manager, you should also be an investor in real estate.” “It's great to manage properties and let's do that and build wealth ourselves.” Resources DoorGrow and Scale Mastermind DoorGrow Academy DoorGrow on YouTube DoorGrowClub DoorGrowLive TalkRoute Referral Link Transcript [00:00:00] Sarah: He said, "I am not joking. I had to submit over 100 documents to the company in order to just see if I'm qualified to get this additional loan. And he's like, I just feel like there has to be an easier way." And there is, but sometimes people don't know about that.   [00:00:20] Jason: Welcome DoorGrow property managers to the DoorGrow show. If you are a property management entrepreneur that wants to add doors, make a difference, increase revenue, help others, impact lives, and you are interested in growing in business and life, and you're open to doing things a bit differently, then you are a DoorGrow property manager. [00:00:39] DoorGrow property managers love the opportunities, daily variety, unique challenges, and freedom that property management brings. Many in real estate think you're crazy for doing it. You think they're crazy for not because you realize that property management is the ultimate high trust gateway to real estate deals, relationships, and residual income. At DoorGrow we are on a mission to transform property management business owners and their businesses. We want to transform the industry, eliminate the BS, build awareness, change perception, expand the market, and help the best property management entrepreneurs win. We're your hosts, property management, growth experts, Jason and Sarah Hull, the CEO and COO of DoorGrow. Now let's get into the show.  [00:01:23] All right. And today we're hanging out with Matt Dean of Nexa Mortgage, and we're going to have an interesting conversation about financing and loans and I don't know, and some other stuff, but Matt welcome to the show.  [00:01:36] Matthew: Good morning. [00:01:37] Good morning. Thanks for having me.  [00:01:38] Jason: It's good to have you. So give us a little bit of background of how you got into the whole real estate industry and give people a little bit of background on you.  [00:01:49] Matthew: Sure. So, after I graduated from college, which I went to college in Missouri, I ended up moving to Austin, Texas, and one of the first jobs I got was with a commercial finance company and that landed me in Lakeway, which is where I reside now, and have been for over 15 years. But the commercial finance company that I worked with was was a fairly new company that came in from California. The owners Had a mortgage background and had gotten into this commercial finance division. [00:02:15] They had sold off a couple of mortgage companies opened up this division and Lakeway. They were also land developers and commercial finance guys. So they saw a lot of opportunity out here and opened up this company. So anyway, I got in on the ground floor. They were relocating the company here and had a couple year run with that. [00:02:31] And then in early 2000, the .Com kind of came in and blew up that whole industry. So what we were doing was commercial finance, equipment finance really, and at the time it was a lot of computer equipment and I was working with a lot of Dell sales reps that were taking over some of their overflow that Dell didn't want to finance. [00:02:49] So, when all that happened, and it blew up the owners who had the mortgage background really saw that "hey, we're going to see a refinance run here. The market's going to crash rates are going to come down. There's going to be a run." And so they immediately just flip. They had a mortgage company here, but it wasn't early. It was dormant. Yeah. And they flipped it open and and just started building that company out. And so that's ultimately how I got into the mortgage business. And, right after that, we had this really big refinance run. We grew that company very quickly to about 35 employees where we were doing 300 to 400 loans a month with a fairly small company. [00:03:27] And that just, jump straight in and learn the business. And so then in about 2007 ish, 2006 ish, I really got exposed to the investment world, so to speak. I got partnered up with a real estate brokerage here in Austin that focused on investment properties and primarily what they were focusing on was duplexes. [00:03:47] And so that year in 2006, I believe it closed 152 duplex transactions, and it was mainly California investors coming into Austin. And it really just changed my whole perspective of the mortgage industry as opposed to first time buyers or veterans, which I enjoy working with all those folks, but the commercial or the investment world, it's a different animal in that it's less emotion and more about business. And so I really just gravitated more to working with investors, started buying properties myself managed a few properties myself and then, evolved from there. But I worked with that same group and Lakeway for about 12 years and then moved around a couple of places and work for a builder and and a couple other companies. [00:04:29] But anyway, that's how I got in it, got started.  [00:04:31] Jason: Yeah, so you've seen it from a few different angles than the whole real estate investment industry, sounds like. [00:04:37] Matthew: Yeah, I've been through a few of these cycles of ups and downs. Obviously the refinance run early on was, really interesting, but a lot of good, easy money on the table, so to speak, but then we had the crash, which was a very difficult time for a couple of years, although, Austin weathered that storm pretty well relative to a lot of other areas of the country. [00:04:56] So, even though our volumes were down, our real estate didn't see as big of an equity loss and the job market here in Austin's always been really strong. So, it pulled us back out of it fairly quickly. We're in a situation now where rates are high and property values have gone up. [00:05:11] And it's a challenge for some folks here to purchase. A lot of folks are just priced out of the market and can't afford it. And property taxes aren't helping that situation.  [00:05:19] Jason: Yeah,  [00:05:20] Sarah: It's so pricey here. So pricey.  [00:05:22] Matthew: But we're starting to see a little bit of pull back on the values and the houses. It's a little bit more of a buyer's market now, but it still needs to come down a little bit, I think in my opinion, it's to balance the market again.  [00:05:34] Jason: Interesting. So the topic today is unlock your portfolio potential, non QM strategies for real estate investors. And for those that don't know what QM is, which I don't. So educate me. What's QM?  [00:05:47] Sarah: So I handled all of this stuff and Jason got to the closing table and he's like, "I'm an owner in the LLC, right?"  [00:05:54] Matthew: It's like, yeah, I barely talked to you along the way, but anyway, yeah, so let's talk a little bit about QM and how that all started. So, after the real estate crash in the 2006, 2007, eight ish area the CFPB was formed a consumer finance protection bureau, which took over the regulation with the mortgage industry. [00:06:12] It took them a few years, but in 2014 they implemented what was called TRID, which you may have heard that word, but it was where we got rid of the good faith estimate and integrated the new loan estimate and closing disclosure took over. And at that same point in time, the regulations came out and then classified conventional loans or reclassified them as qualified mortgages. [00:06:35] What that means really is the CFPB was trying to put protections in place to protect consumers and also strengthen guidelines to make sure that people or buyers had the ability to repay. So what that really meant was additional restrictions on ability to repay, debt ratio requirements, reserve assets, et cetera. [00:06:55] So, if you do a conventional loan, which is Fannie, Freddie. Those are considered qualified mortgages. They have additional protections in that you're maxed at the amount of fees you can charge a buyer. The APR has to be within guidelines within a maximum. So all those things are really for consumer protection, right? [00:07:14] At the same time, what caused the market crash before was what subprime mortgages. And so at the time, subprime mortgages initially had a place in the market. They really were good for investors because investors were putting money down, they had good credit typically, and they had reserve assets. [00:07:35] When the market shifted, and they started using subprime loans to qualify buyers for primary residences that really had no business buying homes is where it got in trouble. So after QM was announced or came out with CFPB, then they also had non QM loans. What that means is any loan that falls outside of the qualified mortgage guidelines, for whatever reason, can still be funded or it would fall within non QM. [00:07:59] Non QM just meant if you're a lender who does those type of loans, you're now required to hold additional reserve assets in your bank or your mortgage company per loan to cover for the potential higher risk and default.  [00:08:12] Jason: Okay.  [00:08:13] Matthew: And it took a few years from 2014. The market started to come out with products in 2015. [00:08:18] The industry was really not sure how to handle it. A lot of banks didn't want to even dive into it. And then it started to evolve. And "okay, there's a big market here." So now it's one of the fastest growing segments of the market and banks have realize or figured out how to meet the ability to repay guidelines with alternative methods, right? [00:08:41] So you don't have to have W2s and tax returns and pay stubs, which a conventional QM loan would require. Now, they look at different factor, like, 12 months business bank statements. I can look at a CPA prepared profit and loss statement, I can look at just the rent income on the property and that's what's classified or called DSCR. [00:09:03] And then also it's asset based loans where we just look at the asset and we turn the asset into a revenue stream. So that's really how non QM started and really what it is. It's just an alternative way of qualifying the mortgages that falls outside of the Fannie Freddie conventional type of loans. [00:09:21] Jason: Got it.  [00:09:21] Sarah: So what does that mean for investors? Because we have some investors that listen to us and we have some property managers who work with investors. So what would that mean for an investor that is looking to get into more investment properties?  [00:09:39] Matthew: Yeah, absolutely. So, the challenge that a lot of investors run into is a lot of them are self employed and a lot of them start accumulating property. [00:09:48] So if they fall into either one of those categories, either they're self employed. Or they've accumulated a lot of properties or both, right? The challenge becomes with qualified mortgages is from an income perspective, right? So good CPAs are going to try and shelter income for self employed borrowers and for investors by showing, minimal profits or minimal or losses on their properties. [00:10:11] And so, as investors start to accumulate more properties, it becomes more challenging to qualify for conventional loans, because for every property on a conventional loan, Fannie and Freddie want additional reserve assets. So that means you start getting 6 properties, you need assets for each one of those properties on top of down payment funds for the purchase property and the reserves on that property. [00:10:33] So, from two perspectives, either an income perspective, where we have a challenge again, a self employed borrower shows losses on his tax returns for the last 5 years by design, because he doesn't want to pay taxes, or we've got multiple properties also showing losses when I'm looking at income on a conventional loan basis, I have to use the income from the tax return. [00:10:52] So losses can be a problem. Also, the reserve requirements, so, taking into those two scenarios, you've got a self employed borrower that, let's say they, they have gross revenue of half a million dollars, but they're showing losses of, 50-60-70,000 dollars. We're just looking at 12 months bank statements in that case, which gives us gross revenue and then we back out of a factor of say, 25 to 30 percent for taxes and we use that as revenue or income to qualify. If we have an investor that, let's say, not necessarily self employed they have multiple rental properties that are basically just, showing losses and now their income is diminished to where they can't qualify. [00:11:32] Then we have the debt service coverage ratio programs. Like, we utilize with your property where we're looking at just the rent on the property. Right? So the rent the market rent or the short term rental just needs to cover the principal interest, taxes, insurance and fees. And so those are 2 products that we use and that's really how, I would say it helps investors in those scenarios. [00:11:54] The other products that we could look at are P& L products meaning that ACPA provides a P& L statement, and then we can use that income, or if they have significant assets just in investment funds and whatnot, we can turn that into a revenue stream. But the bottom line is it just eliminates the need for W 2s, tax returns, or pay stubs, and we look at other alternative income sources to qualify. [00:12:18] Sarah: It's funny. I was actually on Instagram the last week, I think. And there's this guy, he has a very large account and I can't remember his name. And he's very big on investing in real estate. And he said, "guys, like, I just need some help. I like I'm going through this whole process and you jumped through 10, 000 hoops." and he said, "I am not joking. I had to submit over 100 documents to the company in order to just see if I'm qualified to get this additional loan. And he's like, I just feel like there has to be an easier way." And there is, but sometimes people don't know about that. I still talk to investors and property managers and they don't know. [00:13:02] They're like, "I'm just too conventional. That's like what you do. That's like the normal thing that we're all trained and used to doing." So just knowing that there are other options that don't require all of these crazy hoops to jump through and all of this documentation and lots of red tape and underwriting. [00:13:22] It's not that it's eliminated. It's just that it's a lot easier of a process and especially if you're a savvy investor that takes a loss on your taxes, just because your tax return shows a loss, it doesn't actually mean that you're losing money, right? So there's a big difference there. So that plays a big part too. [00:13:43] Matthew: Yeah, there are investors. Sorry. I didn't mean to jump in there, but there are definitely investors that lean on that from a documentation standpoint. Right? They've been down this road. They have multiple properties and more properties, you have the more documentation you need to provide to try and qualify for those conventional loans and it just becomes more and more challenging. [00:14:00] And, even more so if you have a loan officer on the front end of that's trying to originate a loan, that isn't really versed in investment properties and doesn't know how to underwrite the tax returns, they can get in trouble. They look, "oh, I got good credit. I've got down payments." But when you try and pull together tax returns and the income from multiple properties and business losses and this and that, it becomes very complex. And it's honestly, a lot of loan officers don't even know how to look at that correctly. And so they just throw the file up. It goes to underwriting. And then 2 weeks later, they've got a problem. But I just closed a deal actually yesterday and it was ended up going non QM short term rental. And the gentleman is great credit owns his own businesses, owns multiple properties and schools here, but the documentation, because he owns, like, 8 companies and probably 7 or 8 rental properties, and he had a partner in this particular property that, It became so complicated with trying to pull some of that stuff together and also with the partner who wasn't necessarily as strong as him where it just made sense for us to go short term rental and move on. [00:15:07] And that's what we did. So we just made it easy. He was happy that he didn't have to continue to jump through all those hoops. And we were able to get the property done and close in about two and a half weeks.  [00:15:17] Jason: You said it made sense to go short term rental. You meant to go non QM. Is that what you meant? [00:15:21] Matthew: To go non QM. Yeah. We went short term rental income, which is non QM to qualify the income on the property. This happens to be a short term rental down on the Comal River and it's got great income. It just he had a private money loan on it when he purchased it needed to refinance the note was coming due and he just has a very complex financial situation. [00:15:43] And he got involved with a partner on this property that also created some challenges with that particular situation and just made it a lot easier to use him and go non QM short term rental income only and just get it done.  [00:15:54] Jason: So, would that be a DSCR loan going on the short term rental income? [00:15:59] Or is that different?  [00:15:59] Matthew: Yes, it is technically a DSCR loan, which means debt service coverage ratio. And this is what we utilize with your property as well, by the way. we're looking at either long term rents.  [00:16:10] Jason: We should tell that story, by the way, everyone listening has no clue. [00:16:13] Sarah: I know, right?  [00:16:14] Jason: Why don't we have Sarah explain like why we went this route, how we ended up talking with Matt and like how this all worked out.  [00:16:21] Sarah: Okay, let's do that. So, Jason, oddly proudly, he's like, "I've never owned a rental property and I've never managed a rental property. And I do this now." And I said, "this is nothing to be proud of. Like you're 46, you should own things. You should have assets." So like I, on the other hand, like I had, in my twenties, I started investing in real estate. So, Jason and I for a while have been saying like, "when are we going to get one together?" [00:16:48] Because we didn't have one yet and he never had one.  [00:16:51] Then also our circumstances in life have changed a little bit. And we thought " we need an additional property at this point." And we were in a unique situation where right now in Austin, I'll just start by saying long term rental is hard to make it make sense financially. [00:17:10] You're probably not going to cashflow.  [00:17:13] Jason: Yeah.  [00:17:13] Sarah: Not right now. Anyway, it's just, it's really hard because prices are high. And interest rates are also high. This is where we are. So we couldn't have possibly done a long term rental anyway, because we needed the property to have some personal use on it. [00:17:28] And we decided, "Hey, let's also use it for some of our DoorGrow events." Because every time that we do an event, We pay somebody else.  [00:17:37] So let's pay ourselves through that. So for that reason, it only can really be used as a short term rental property. So we decided, "Hey, there's these kind of three components." [00:17:48] And I'm really big on asset protection, meaning I need the property to be owned and deeded and financed in an LLC. So originally I was working with another agent. We've worked with him before on our primary home. He's a really great agent. I had asked him about, "can we fund it in the name of an LLC?" [00:18:09] And he said, "no you can't do that. It doesn't really work that way." And it seemed like he was just trying to talk us out of it. I even talked with that he typically uses and that we used on our, Home that we live in. And he said, "Oh no, yeah, we don't do properties in the LLC. It'll be in your name. And then after closing, we could do a quick claim and then like change the deed and put the deed in the LLC name." And I said, "okay, what about the mortgage?" And he said, "no. The mortgage stays in your name." And I said, "I'm out." Like that is where I'm out. You're piercing the veil. [00:18:44] All of my personal assets would now be exposed and on the line. And that completely defeats the purpose of having an LLC. And he was like, yeah, we just don't do that. I really don't think that's going to be a problem. So I said, "okay, do you know anybody now he's been in this business for like 20 or 30 years?" [00:19:02] "Do you know anybody that can do that?" And he said, "Oh, not really." So that was time to start looking for somebody else because I know that it can be done. I've done it in Pennsylvania. So there's no way that Texas can't do this. Texas is far ahead of Pennsylvania in a lot of different ways.  [00:19:19] Jason: So we found another agent. [00:19:20] Sarah: So we found another agent who then referred us to Matt and he said, "Hey, I know a guy. He's really great. And I'm pretty sure he can do what you need." So I said, "great. What's his information?" I had a conversation with Matt and he's like, "Oh, well, yeah, we can do that." And I said, "so you can put the loan in the LLC. Not my name, the LLC. He said yeah, we can do that." Like it was easy. So it can be done. Sometimes you just have to look around a little bit. So that was how our deal was structured. So we went non QM and we ended up doing, since it is a short term rental, we went DSCR so that the rents would cover essentially your PITI. [00:20:00] And this is how we made our deal work. So we closed PITI. [00:20:06] Jason: PITI for the listeners is...  [00:20:07] Sarah: principal interest taxes insurance. [00:20:11] Matthew: Yeah, so, I know that was how our conversation started was, " can we do this in the LLC?" And we walked through that and the pros and cons a little bit, I think, and that's one thing that conventional QM loans don't really not really, they don't allow that. You cannot fund in an LLC. [00:20:25] Now, what happens is a lot of people like you were advised, "hey, fund it in your name, slip it to the LLC later." That can cause some problems because Fannie Mae does have due on sale clauses in their loan documents. So, technically, if there's an ownership change, that note can be called due. Typically, you can just flip it back into your name and stop that process, but it becomes a cat and mouse game back and forth if you have a servicer that's trying to, exercise that for some reason, it doesn't happen very often. It's not a very high risk, but it's definitely something you need to be aware of. On the non QM side, the lenders want these, or most of them prefer them to be funded into LLCs because non QM as a whole is considered business purpose lending. [00:21:11] It falls outside of the consumer protection, finance protection Bureau oversight. So, it's considered or classified more of like a commercial loan. And so most of them require, or want you to fund into an LLC. There are some that will do them in their personal names. It's interesting. They follow more of a conventional loan program, which I'm not really sure I understand, because they issue a closing disclosure and they look at loan estimates, even though it's considered a non loan. So they just handle a little bit differently. Those companies will allow you to do it in your name and some of them are doing a lot of those companies are also doing primary residences under a non QM basis. So bank statement products for somebody who may be self employed also trying to buy a primary residence. That's where I see it more. Most of the the LLC stuff is for investors and those lenders are going to. Really prefer or require it to be in an LLC. [00:22:07] Jason: Got it. Okay, cool. So what should investors know in order to make the decision as to which way they should go? Like, how do you make the deciding factor? Like, what are some of the things that kind of weigh into this?  [00:22:20] Matthew: Yeah, I think really it's a conversation initially of can they qualify for a conventional loan? Do they understand what non QM loans have to offer? A lot of investors aren't familiar with the details of non QM loans, how they work, how they can help them. So it's really an education conversation of, what options we may have available. Right? I would always start with the conventional loans typically and, see if we can qualify. If you can go that route and you're putting 25 percent down you're going to get a little bit better interest rates. And then you don't have some of the other key factors that come with non QM loans. So most non QM loans do have some sort of prepayment penalty because they're selling these to a secondary hedge fund investor that wants a minimum return. So, in most cases, you're going to have a prepayment penalty in a conventional loan. Stay out of point. A QM loan legally cannot have a prepayment penalty. [00:23:14] So there's a big difference there. But as far as qualifying them, it's a really, like I said, an education and a conversation about what their profile looks like. Right? They self employed. Do they own multiple properties? Are they showing losses or profits on those properties? And then, really documenting that, 9 times out of 10, what I'm told on a verbal conversation doesn't match what I get on the documentation that way. [00:23:38] "Oh, my business makes this," but they're talking about gross revenue, not net income. They're talking about gross rent amounts, not the net income they're showing on their tax returns. So it needs to go the next level. But that initial conversation may determine quite quickly that, hey, we need to go non for what reason or, because they want to fund it in an LLC, because the property is really a short term rental, but it doesn't but they don't have any history of short term rental management. [00:24:07] And let's talk just a little bit about, how you look at the short term rental. I know that's what we were talking a little bit about before we talked about your loan, right? So there's 2 ways to look at that short term rental and it's either from well, the rental income short term or long term can either come from an appraiser. [00:24:23] Or from a software program that some lenders are now using. So a lot of lenders will lean on a typical, appraisal to an appraiser to come up with whatever that market rent may be. And like, like, you said, it's difficult to cash flow properties in Austin or in Texas. On long term rents simply because the property taxes have escalated and now with higher interest rates. [00:24:48] So a lot of times, the short term rental is really from a lending perspective an easier way to qualify the property for 1. But we do have the ability to look at it from two different perspectives and this is what we utilized on your loan. So I'll just talk about a little bit. So I have a couple lenders that will look at the short term rental from a software perspective. [00:25:05] Right? So in your case. When we had the discussion, it was really a matter of, yeah, "I really want to put 20 percent down. I don't want to put additional money down. That would be more important to me than a little bit higher interest rate. Right?" And so, when we look at different lenders that may be leaning on an appraisal. [00:25:21] I don't know what that number is for 2 weeks and me personally I feel like appraisers, especially in the short term rental market. Are a little bit lazy and sometimes they just don't have the data. So what happens is I submitted to the lender based on an 80 percent loan to value. And then all of a sudden, my short term rental income comes back low or lower than what we may have expected. [00:25:42] And now that's requiring you to put an additional 5 percent down to meet their guidelines of a debt service coverage ratio less than one or go no ratio, right? We still have an option, but the option is going to require you to put a little bit more money down. And so. Again, we have two ways to look at it either an appraisals given us that number or with some investors. [00:26:00] And this is why I like working with some of those in that case. Like I said, your most important factor is 20 percent down. so I took it to a lender that gave me that short term rental number within 48 hours. They ran it through their system. They gave it to me immediately and said, "this is where we should be." As soon as we submitted the loan to underwriting within 2 days, we had an approval and this was confirmed short term rental amount. We didn't have to wait on the appraiser and it didn't matter what the appraiser's opinion was. They already confirmed what we were going to use, which confirmed that I could get your loan approved with just 20 percent down. So, that's a preferred method in a lot of ways, especially if we're trying to keep that 20 percent down number. [00:26:38] If we have somebody that's putting 25-30 percent down, then it's. A little bit less relevant and we can, decide what option might be best for them at that point.  [00:26:46] Jason: Got it. So why should property managers who are constantly wanting to do more deals, help more investors, why should they have somebody like Matt in their back pocket? [00:26:57] Sarah: Oh, that's such a good question. Well, I want to think of it kind of twofold. One, I feel like if you are a property manager, you should also be an investor in real estate. Real estate agents just by having access to the MLS. No, that's not where all deals come from. I know that, but just by having access to the MLS and the connections that you have as a real estate agent and property manager, there's no chance that you don't come across amazing deals all the time. [00:27:23] There's no chance. So capitalize on that.  [00:27:26] You should also be an investor yourself. It's great to manage properties and let's do that and build wealth ourselves. Yeah. So that's number one. But number two is if you're like, "well, I like, I don't know, I'm unsure, or maybe I have one property or two properties and I don't know if I'm ready to continue to build a portfolio." [00:27:46] Or you're like, "Hey, I have X many properties and I'm happy right here. I don't want any more." I don't know why, but maybe you are. So if that's the case and you have investor clients that very likely would love to get into more deals themselves. And it would be great for you because now if you have an investor and they manage five doors, but that same investor can now manage 10, 20, 38. [00:28:11] That's fantastic because now your business is growing. So if you have a way that you can help your investor clients get what they want, which is more deals, it's a win because yes, the savvy investors, they're always looking for more deals. Jason's hooked now. He said to me, we closed and he was like, "how do we do another one? like, how do we do another one?" He's like, "how fast can we do another one? Like Sarah, is it possible if we do like one property a year," right? And he did. Yeah, he did. There's a lot of investors like that because once you get it. Once you really get to see all of the benefits and just how freaking beautiful it is to be a real estate investor and make money and get all of the tax benefits that you don't get in almost any other sector. [00:28:54] It's amazing. So why would you not want more of that? So if you're a property manager, it would make so much sense for you to just be able to educate your investor clients. "Hey, have you ever thought of picking up more properties?" The answer probably is going to be "yes," especially if you're doing a great job for them as a property manager. [00:29:14] Because that's a tricky part is, "well, I could buy a bunch of properties, but who's going to manage them?" If you have a great manager, it makes sense to get as many properties as you possibly can, knowing that they are in good hands and they are being taken care of because all you're doing is printing money. [00:29:30] So if you want to grow your portfolio by adding additional deals to the clients that you already have. It's like so simple, right? Why would we not do that? So having options. that not everybody knows about. It's fantastic.  [00:29:47] Jason: So in short, this just gives them a lot more options to work with because investors want to invest, and they may think, "Oh, well, I've only got this much down or I can only do a conventional, I can only do it this way. I need to meet certain criteria" or "I've just declared all these losses."  [00:30:04] Sarah: "Like I have too much debt." Maybe their like debt to income is a little maxed out because we're, keeping up with the Joneses. This is so normal, right? So that and Matt's laughing. He sees it all the time. [00:30:15] I bet he's like, "Oh, we went a little too high on that one." [00:30:18] there's good debt and bad debt though as well, right?  [00:30:21] Correct. However, if you own five properties or six properties or seven properties, every additional property that you have that is leveraged, meaning that you have a mortgage on it, that's counting against you and your debt to income ratio. [00:30:35] Jason: Right. So it gets harder and harder using conventional to get into more property.  [00:30:40] Sarah: Unless you're the Fed and you can just print money.  [00:30:42] Jason: Well, I don't know if they're buying  [00:30:44] Matthew: a lot of money.  [00:30:44] But you bring up a good point and just to clarify when we do a debt service coverage ratio program, I'm not looking at any of your debt. [00:30:52] I'm not looking at a debt ratio calculation at all. And if you own multiple properties, I'm not even looking at any of those other properties for any sort of rent, income, verification, mortgage, anything. This one is a business, right? Correct. It's it. Well, it's just debt service coverage on that subject property, right? [00:31:10] Does the rent cover the note? And do we have enough money for down payment and reserves on that property alone? We don't look at reserves for those additional properties like you would a conventional. So you got five properties. I don't care about reserves on those. I'm only looking at the subject property. [00:31:24] So, yes, debt to income is a big factor and I think, if we're talking to property management companies, it's really just an education or a knowledge of what potentially could be out there. Right? Like you said, they have opportunities to buy all the time. I would think that the savvy property manager is going to scoop those up if they can, but are they aware of these programs? [00:31:44] Or do they think that? "Oh, my debt to income is too high or I have losses on my tax returns that I'm going to have trouble qualifying." And then you also have your network of investors that you manage those properties for that potentially are looking for additional doors, but they're not aware of these programs in some cases. [00:32:00] So, yeah, it's just a matter of, I think, education and just getting the information out there. So that some of these people know what options are available.  [00:32:09] Jason: Well, it sounds like it shifts the conversation from, "can we?" Yeah. Maybe it's a no, in their thought, in their mind to "how can we?" Like, there's other creative ways that things could be done instead of saying, "Oh, it's gotta be this one way we've always done it. That's the only way." So, what about for long term rentals? Which like some of the investors listening and a lot of our clients listening may not do a short term.  [00:32:32] Sarah: You can still do a non QM on a long term, especially in Austin. Now, other markets, you might find a cashflow. Like I have a cashflow property in Pennsylvania. [00:32:40] It's a rare gem guys, but in Austin, it's hard to get something to cashflow, especially right now.  [00:32:47] Matthew: Okay, so there's two ways to look at it again. There's, or I guess, multiple ways to look at it. Not just two, but bank statements if I'm looking at it. So, if they're self employed, and they have a business that we can lean on the bank statements, right? [00:32:59] That's my income qualifier and no longer care about that negative potential cash flow on the property in the rent. Right? So that's one way. If I'm doing debt service coverage and I'm looking at long term rental, I have a client that wants to long term rented. They're not going to be comfortable stating short term rental on the application. [00:33:17] They really have no desire to do that. Then I have to look at the short term rent. Now, what that's typically going to end up, at least in Austin, what's typically going to end up happening is that property is going to have a problem cash flowing at 20 percent down or 80 percent equity. Right? So what happens is it now pushes us to. [00:33:34] A bigger down payment, a larger down payment, 25 percent 30%. And then we have the options with those lower loan values to do either no ratio or lower debt coverage ratio loan programs. Right? So. If it falls below 100%, meaning 100 percent rent coverage with PITI coverage which principal interest taxes, insurance and HOA fees all come into that play. But let's just say it's a little bit short. I've got a PITI of 2000 dollars of my rent's 1800. well, the lender is going to do one or two things. Are you going to say, "well, we need more down to get that to 100%." Or "we're going to reclassify it as a higher risk and we'll do, some of them will go down to 75 percent debt coverage, but it's a little bit higher rate." [00:34:18] Or "we have to go to a little bit larger down payment and go no ratio, right?" No ratio means we just eliminate that altogether. And it's typically 30 percent down. So, we have options to look at but it is definitely a little bit harder if we're looking at long term rents simply because it's harder to cash flows at 20%, unless again, unless we have larger down payments or larger equity positions, for refinances to soak. [00:34:42] A lot of these let's talk about that too, you have some of your property management clients that may want to purchase more properties where they could extract equity out of these homes to use to purchase more property. So there's a lot of the refinance going on with those properties to under a non QM basis, because they again, they can't qualify for a full doc for whatever reasons. [00:35:03] Right? But there are options to pull cash out under a non QM basis and utilize those funds to reinvest.  [00:35:09] Jason: Got it. So say they've got five, 10 properties, it's getting really difficult for them to qualify for a QM loan. They could maybe pull some equity out of their existing properties, do like a cash out refi, and then use that money to fund a bigger down payment to do a non QM scenario. [00:35:28] Matthew: Absolutely. Absolutely. The challenge right now in the market with refinances in general is a lot of these people have really good rates on those properties. And so they don't necessarily want to refinance and lose that low rate understandably. Right? So. In other states, you have a the ability to do HELOCs or he loans, which are second liens, Texas, it's a little bit limited. [00:35:47] There's not as many products available, especially on the investment side. There are ways to extract some of that equity and reposition it to be reinvested in other investment opportunities. And I will say that we do have the ability to do the same type of loans on small commercial properties. [00:36:04] Like, up to I've got one lender that kind of specializes in that small commercial that goes up to 24 units. So, between 5 and 24 unit apartment buildings, we're also looking at a non QM type debt service coverage loan, which is what commercial loans look at in general anyway. Commercial loans are based on cash flow, right? [00:36:23] It's all debt service coverage based on that. But in that small apartment complex arena, you've got a lot of these kind of more residential lenders that are focusing and specializing in it. Because it's a piece of the market that's left out, right? Your commercial lenders don't want to touch something that's a few 100, 000 dollars. They have minimums of 5Million dollars, 3Million dollars. And so you have these smaller properties that are great investments in some cases that also have challenges getting loans, not because of the property, but because of the size of the loan.  [00:36:55] Jason: It's just not big enough for him. [00:36:56] So Matt what areas do you cover personally? And then how do people find somebody like you, how did they find somebody like you? Like, this was a challenge we had to ask around what do people look for to find somebody that can help them with some more creative options?  [00:37:11] Matthew: That's a good question. I wish more people would know how to find me. So maybe you can help me with that. But yeah, it's just, it's interesting. There's a lot of loan officers that just don't, I guess maybe they're scared of the non QM space. They don't understand it. They're scared of change, so to speak, and so they just go, "I've never done that. And I don't know anything about it and they don't want to learn about it." it's the fastest growing segment of the market right now. Fannie Mae is pushing a lot of the paper towards non QM from a risk perspective. They want to get away from it. They're making investment rates in terms unattractive, so to speak, so they're offloading it that way. But, I think it's really through the real estate agents is probably the best way to get in touch with somebody like me, if they're familiar with it. But what's interesting is even your agent from McLean that I work a lot with Brett. [00:38:00] He wasn't 100 percent versed in these products either. So. Fortunately, he got me, right?  [00:38:05] Sarah: Yeah. Thank you, Brett.  [00:38:07] Matthew: But, yeah, as far as if you have somebody that's questions, I'm always available to potentially educate people in regards to these programs. As far as where I do business, I'm legally licensed in Texas and Arizona, meaning national mortgage licensing, which is the, the CFPB license. [00:38:22] Now, with non QM loans about 35 states don't require you to have a license within that state. So I can do non QM debt service coverage all these type of loans that we talked about in about 34 different states. Just with my national license and because they consider a business purpose use, it's classified as a commercial loan in those states, and they don't have these overbearing laws like California does or Nevada. So there are some states that it's difficult unless you want to jump through a bunch of hoops to do it. And unless there's enough volume, there hasn't made sense for me to do it. [00:38:55] I just focus on the ones that I can, which is a big piece of the country and we can help folks in those 30 some states, 34 states, whatever it is.  [00:39:03] Jason: So there's maybe 15, 16 states that you can't cover.  [00:39:06] Matthew: It's the New York the Pacific Northwest and California, most of the middle of the country around Texas we can do. [00:39:14] I know you, you referred me to somebody in Utah the other day, they happen to be a state that requires licensing, but their licensing is pretty reasonable. So, if there was an opportunity or a reason, for some volume to come out of there, I could get licensed fairly quickly. [00:39:28] And some of these states, because I already hold a national license within them. I passed the test for that, which means you just have to take the state piece of that exam to then get licensed. Be able to do loans there, which is fairly simple. And as long as you're not in New York or California or somebody that has these crazy laws,  [00:39:44] Sarah: What's to invest there anyway, come on, like squatters and all this, like? [00:39:48] Matthew: I know, right? [00:39:49] I don't know how everybody does loans in New York. I hear it takes 90 days to close a loan.  [00:39:54] Jason: There's plenty of investors in those markets. I'm sure people listening. All right. Cool. Well, Matt, it's been great having you here on the DoorGrow show. Appreciate you being our guest. How can people find you or get in touch with you? [00:40:06] If they're wanting to reach out and find out if they're one of those 34 states.  [00:40:10] Matthew: Well, my number if you want my phone number is 512 415 6142. You can Google Nexa my name. I think if you Google my name and Nexa mortgage that come up quite a bit on the Google nexahomelending.Com is my personal website. [00:40:27] That's probably the two best ways to reach out to me just text or email and I'm more than happy to help you in any way that I can.  [00:40:34] Jason: Perfect. Well, it sounds like this is at least a key or just a tool or an idea that every property manager listening should probably have in their back pocket. [00:40:44] You should have some sort of connection to a more creative lender than you may have currently. And so, connect with Matt or maybe, I don't know, start Googling non QM lenders in your market. I don't know, but find somebody or ask around to some real estate agents, but see if you can get somebody that can help with getting some of these deals because investors, they have money, they have equity and, but they're not doing deals and they want to probably do more deals and they just need somebody creative enough to help them find some solutions or interesting ways to make it happen. [00:41:13] So, all right. Well, again, Matt, thanks for being on the show. Appreciate you.  [00:41:17] Matthew: My pleasure. Thank you very much for having me.  [00:41:19] Jason: All right. Well, everybody, if you are interested in growing your business, your property management business, reach out to us, you can check us out at doorgrow.Com. And until next time, everybody to our mutual growth. Bye everyone.  [00:41:30] Matthew: Great. Thank you. Talk to you guys soon. Bye. [00:41:32] Jason: you just listened to the #DoorGrowShow. We are building a community of the savviest property management entrepreneurs on the planet in the DoorGrowClub. Join your fellow DoorGrow Hackers at doorgrowclub.com. Listen, everyone is doing the same stuff. SEO, PPC, pay-per-lead content, social direct mail, and they still struggle to grow!  [00:41:59] At DoorGrow, we solve your biggest challenge: getting deals and growing your business. Find out more at doorgrow.com. Find any show notes or links from today's episode on our blog doorgrow.com, and to get notified of future events and news subscribe to our newsletter at doorgrow.com/subscribe. Until next time, take what you learn and start DoorGrow Hacking your business and your life.

Professional Barrel Racer from Oeirichs, South Dakota. With more than 17 NFR qualifications under her belt, Lockhart has made barrel racing history multiple times since she began competing. And, over the past five years Lisa has been a very consistent competitor finishing top five in the World Standings every year. As competitive as she is inside the arena, Lockhart puts family first. Her husband Grady (a professional tie-down roper,) and their three children (Alyssa, Thane and Cade) are her biggest supporters, and she is theirs. Lockhart balances family and her rodeo career and feels blessed to be on this journey as a cowgirl. Won over $3 Million in career earnings 17X NFR Qualifer 3X NFR Average Champion 3X The American Rodeo Barrel Racing Champion       Along For The Ride® Symposium Jan 16,17,18 2025 Tickets & Room Information.    www.alongfortheride.pro

Temas Resources ("Temas" or the "Company") (CSE:TMAS - OTCQB:TMASF - FRA:26P0) is a critical minerals exploration company focused in Quebec at the La Banche Project. The La Banche Project is a titanium dioxide asset. The Company recently went though a reorganization and completed a 9:1 share consolidation. In February, then updated in March, the Company released a PEA on the Project that showed a NPV(8%) of C$6.6billion and an IRR of 60.8% (click here to read that news release). Currently the Company has a little over 16million shares outstanding and a market cap of between C$3-4million.   Kyler Hardy, Executive Chairman of Temas joins me to explain the titanium dioxide market in terms of uses, pricing model and major consumers of the metal. I have Kyler explain the reorganization over the past couple years and the strategy to move the La Blanche Project forward.   If you have any follow up questions for Kyler please email me at Fleck@kereport.com.   Click here to visit the Temas website to read over the Company's corporate presentation.

Nikolaus Suhr, the co-founder of Kasko, an insurance technology company founded in 2015,  offers "InsurTech as a Service"; it specializes in working with large insurers to design, distribute, and run digital insurance products for any distribution channel. Kasko has now raised $3 million since its 2015 inception.Where to find Nikolaus Suhr:• Website: KASKO• LinkedIn (5) Nikolaus Sühr | LinkedInWhere to find Hadi Radwan:• Newsletter: Principles Friday | Hadi Radwan | Substack• LinkedIn: Hadi Radwan | LinkedInIf you like our podcast, please don't forget to subscribe and support us on your favorite podcast players. We also would appreciate your feedback and rating to reach more people.We recently launched our new newsletter, Principles Friday, where I share one principle that can help you in your life or business, one thought-provoking question, and one call to action toward that principle. Please subscribe Here.It is Free and Short (2min).

If you want the breakdown of how I hit $80-100k/m profit w/ 2 offers, 1 funnel, no sales calls and in 4 hours a day… Check it out here: https://youtu.be/l8A345R5q2o   Connect With Me On Other Platforms: Instagram: https://instagram.com/danbolton_/ Facebook: https://facebook.com/danboltonnz/

Would you take $3Million but never use any Chinese products again? Need a new BraveHeart Sword? Turns out HomeDepot has you covered. January is Divorce Month!! And legal things we don't know enough about. Some people would rather make less and be happier?? (We call BS) NFL Championship Weekend, Daddy De Niro and Naked Taylor!

Roger Rosmus, Founder, CEO, & Director of Goliath Resources (TSX.V: GOT) (OTCQB: GOTRF), joins us to review the next batch of 99 gold drill assay results from the balance of last year's exploration work at the Surebet Zone, Bonanza Shear Zone, and Golden Gate Zone at the Golddigger Property located in the Golden Triangle, British Columbia.  We reviewed how this made the most sense to just put out all the remaining data from all the drilling that came in from last years program, rather than trickle it out, so that investors could get a sense of the size, scale, and volume of mineralization from the three zones, and higher overall average grades in the Bonanza Shear and Surebet Zones.   Headline drill hole #GD-23-113 intersected the Bonanza Shear and assayed 10.94 gpt AuEq (10.80 gpt Au and 6.24 gpt Ag) over 9.70 meters, including 17.63 gpt AuEq (17.42 gpt Au and 9.51 gpt Ag) over 6.00 meters and 34.85 gpt AuEq (34.47 gpt Au and 17.48 gpt Ag) over 3.00 meters.   Some other drill holes highlighted in the recent press release from January 9th:   Drill hole# GD-23-220 intersected the Surebet Zone and assayed 13.24 gpt AuEq (10.05 gpt Au and 154.71 gpt Ag) over 5.10 meters, including 21.74 gpt AuEq (16.51 gpt Au and 253.41 gpt Ag) over 3.10 meters. Drill hole# GD-23-221 intersected the Surebet Zone and assayed 7.91 gpt AuEq (7.44 gpt Au and 22.40 gpt Ag) over 7.15 meters within 4.43 gpt AuEq (4.16 gpt Au and 12.87 gpt Ag) over 13.00 meters.   Next we reviewed that there are still assays pending at the lab to return back from the exploration work done up north at the Cambrian Ice Fields, where the exploration team did some channel cuts and sampling program to release to the market.   This area along with many other prospective regional targets shows the potential for a number of regional exploration targets to follow up on across their large land package.   We wrapped up reviewing the $3Million capital raise announced on December 21st, where Rob McEwen increased his ownership in the Company by doubling his position to more than 5% on a partially diluted basis. Additionally, Crescat Capital LLC, Goliath's largest shareholder, and a strategic institutional shareholder also purchased units to maintain their 18.4% partially diluted and 9.9% partially diluted ownership, respectively. These add-on investments demonstrate that Goliath continues to receive the ongoing financial support of strategic investors recognized globally for mining and specializing in precious metals.   If you have any questions for Roger about Goliath Resources, then please email us at either Fleck@kereport.com or Shad@kereport.com.   In full disclosure, Shad is a shareholder of Goliath Resources at the time of this recording.   Click here to be taken to the Goliath Resources news section.

Lils Takes on University Dilemmas from Fancying your lecturer, Making friends at uni, Boyfriends using porn, cheating and worse all on the Talk Twenties Podcast. We chat through your dilemmas and questions about the juiciest topics and give advice like the big sister you need. Gaby is joined by Lily Draycott or mainly known as Lilstakes on TikTok to her 1.3Million followers posting her thoughts and feelings online (and she is very funny). Email the team at info@talktwenties.com - we love hearing your stories! Listen and follow Talk Twenties on all platforms:  https://linktr.ee/talktwenties

Mike Burke, Director and Vice President of Corporate Development at Sitka Gold (CSE:SIG - OTCQB:SITKF - FRE:1RF) ("Sitka" or the "Company") joins me to introduce this gold exploration company focused on the RC Gold Project in the Yukon and the Alpha Project in Nevada. Earlier this year the Company released a maiden Resource Estimate at the RC Project that totaled 1.34 million ounces of gold in the inferred category. The Company recently completed a summer drill program at the RC Project and has a drill program on going at the Alpha project.    Mike provides an overview of the RC Project and the Tombstone Gold Belt in the Yukon. He recaps the maiden Resource Estimate and this year's drill program. 2 holes are still to be released. We then move to the Alpha Project and the main target being drilled currently. I have Mike provide an overview of the management team and key shareholders as well as outline the upcoming news.   If you have any follow up questions for Mike or would like any additional information on the Projects we discussed please email me at Fleck@kereport.com.      Click here to visit the Sitka website and read over the Company's corporate presentation.  

Life and business do not exist separate from one another - and as a result, our relationships are commonly impacted by our businesses as well. This week, I am joined by my friend and mentor Megan Yelaney, and her husband Mike Bayen, for a conversation on navigating challenges in partnership throughout the journey of entrepreneurship. This episodes provides a fully transparent look at their struggles and separation, and how they worked through their relationship with finances, work, and control to come together stronger than ever.   Megan Yelaney is a business mentor, podcaster, and speaker whose passion truly lies in helping online coaches build, brand, and market their online business by unearthing and monetizing what makes them most memorable, buyable, and obsessable. She has built three businesses in the last 11 years, the latest to over $3Million in revenue. Meg is also a wife, soon to be twin boy mom, fur mom to her mini goldendoodle Luna and romantic fantasy book addict. She truly hopes to help as many women as possible build wealth for themselves & their families in a way that lights them up every single day. Meg and her husband Mike recently started the Meg and Mike Do Marriage Podcast sharing their relationship experiences as entrepreneurs.     In this episode, we cover… Meg & Mike's full story - what led to their separation, and how they made changes to come back together Navigating finances in a marriage when business is involved The importance of work-life boundaries How marriage meetings can support effective communication What 50/50 can actually look like in a relationship The danger of getting all your satisfaction and fulfillment from you business   Quotes "My business - and how I operated it - really affected our marriage."   "My biggest satisfaction isn't from my business anymore. Which is so huge - that is a huge difference. Like, yes, it gives me so much joy and I feel so much fulfillment from it, but I just wanna be lazy with Mike and Luna and hang out and do nothing more than I wanna do any work."   Links & Resources Mentioned in this Episode Laptop Lifestyle Co Links: Website Instagram Tik Tok YouTube Channel   Other Links Mentioned: Meg's Instagam Meg's Website Meg & Mike's TikTok Meg's Podcast Meg & Mike's Podcast

Effie Bateman and Clancy Overall give you the biggest headline of the day from the Betoota Advocate newsroom. Betoota on Instagram Betoota on TikTok Produced by DM PodcastsSee omnystudio.com/listener for privacy information.

The same plot of land Nancy's dad bought for 700 shillings twenty years ago would cost over 200 million shillings today. The cost of land increased by 285,714 fold!His salary then was 7,000 shillings. Today that same position would earn 3Million shillings. Salary increased by 429 fold.This means the increase in land value is 664 times the salary increase.Put another way, the salary increase is 0.15% of the land value increase.Resource:HODL UP, the Bitcoin mining tabletop game, is available at freemarketkids.com.Please email questions/comments to Tali@OrangeHatter.com.Mentioned in this episode:Free Market Kids ShortGet your HODL UP ("The best bitcoin game ever!") at www.freemarketkids.com.

Welcome to Restoration Domination, the podcast where we bring you all the latest news, trends, and insights from the world of restoration. In this exciting episode, our host Rico Garcia Jr is joined by special guest Rocky Hensley, with a surprise appearance by Coral Martin. In this episode, Rico, Rocky, and Coral emphasize the importance of focusing on tangible results and profitability rather than solely relying on opinions or hearsay. They discuss how success in restoration is measured by real-world outcomes and sustainable financial growth.  Coral talks about how her 1-Tom-Plumber franchise has brought in $1,175,000 in revenue in her plumbing business and over $3Million in her restoration company in under a year of opening her doors.  Rocky puts his money where his mouth is and presents a challenge to anyone who doubts her income claims and offers anyone who can show she is lying a free franchise if they qualify but if they can prove she is telling the truth and she really has made that much, they'd have to pay double to open up their own franchiseBiggest Takeaways: 1. People May have opinions but proof is in the Profits2. Success is in going right to the source of money3. Plumbing & Restoration are a match made in heavenFind our Guest:Linkedin: bit.ly/43jhj2xInstagram: bit.ly/3JJjiq9FB: https://www.facebook.com/rocky.hensley.5Website: https://www.1tomplumber.com/Company Phone # 1-866-758-6237Facebook: https://www.facebook.com/1tomplumberglobalInstagram: bit.ly/3pE1AxtLinkedin: bit.ly/44z6EllYouTube: https://www.youtube.com/@1-Tom-PlumberRocky's Email: rocky@icon911.comPrevious Episodes- https://www.restorationdomination.com/ep-078-kameron-and-rocky-hensley- https://www.restorationdomination.com/ep-044-1-tom-plumberSponsors:Wylander is the leading recruiting company for the Disaster restoration industry. They have placed over 1000 candidates and have worked in all 50 states and Canada. Get back to doing what you know best and leave the recruiting up to Wylander.  bit.ly/3zjC7KNWith the Actionable Xactimate Profile get notified when you have made estimating mistakes and fix them before you spend weeks going back and forth with the adjuster. Get notified that you may have left out specific line items that you should have been using in your  scope! The Actionable Profile is a no-brainer for anyone looking to upgrade their Xactimate estimating workflow. Get a free demo today at bit.ly/3JU5icpOne Claim Solution helps restorers process their insurance invoices, and work with adjusters to achieve a fair outcome that gets the restorer paid quickly and fairly. Let us carry the load of collecting from insurance carriers so you can focus on what matters most - your business. Learn More! bit.ly/40MlovnDid you know that 80% of businesses are unsellable? Let Restoration Brokers of America work with you to ensure you maximize the value of your business when you decide it's time for a change. Visit sellmyrestorationbusiness.com for more information. You've worked hard to build it, let RBA work hard to sell it.

Discover 3 hidden gem running backs for 2023 Fantasy Football! Win $3 million with these late round running back picks! Boost your team's success with our expert analysis! Underdog: https://play.underdogfantasy.com/pc-MPMt8V8qHq

Discover 3 hidden gem running backs for 2023 Fantasy Football! Win $3 million with these late round running back picks! Boost your team's success with our expert analysis! Underdog: https://play.underdogfantasy.com/pc-MPMt8V8qHq

Discover 3 hidden gem running backs for 2023 Fantasy Football! Win $3 million with these late round running back picks! Boost your team's success with our expert analysis! Underdog: https://play.underdogfantasy.com/pc-MPMt8V8qHq

We welcome Luke Rotvold once again as he makes his third appearance on the show. And today, his business partner Jake Landis tags along… Together, these two are known as the Viking Boys. Luke is the undisputed king of cold calling, having generated an impressive $3 million in revenue while just casually playing video games on their couch! Their success doesn't stop there; after discovering the ins and outs of wholesaling, they've ventured into exciting new projects like rentals, flips, and Airbnb. If you want to dominate the wholesaling business and have tons of fun while at it, this is your episode! To be the top player in your market by following the same tried and true program that helped the Viking Boys experience massive success, check out Brent's TTP Training Program today!----------Show notes:(1:25) Beginning of today's episode.(3:05) The core element of every business is being proactive.(5:49) It's possible! You can still make money while just playing video games on your couch.(9:19) On building their team and finding the right people.(10:56) Explaining the process they undergo when finding discounted deals.(19:43) From faith to fact: how to lock up deals like a machine.(21:41) The Viking boys break down one of their best cold calling deals.(29:39) Don't go out and spend your money, reinvest it!----------Resources:Who Not How by Dan Sullivan and Benjamin HardyThe Viking Boys Youtube ChannelListSourcePodioLuke on InstagramJake on InstagramTo speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community are endless, what are you waiting for?

It's ‘Turn The Tables' Summer here on The Influencer Podcast, so that means YOU get to hear the tables turned on ME… in the BEST interviews I've been on over the past year or two! Today you'll hear me interviewed by Allison on the You Do Woo Podcast.   This conversation gets deep and I share some of the ways I held myself back, broke through the scarcity mindset, and realized that I can get what I want (and share how you can too!).   If you struggle with feelings of not being enough, this is the episode for you!   Ways I can support you right now: [FREE] Want to grow your following, monetize your content, and land paid brand deals? Click here to get access to my new, free 3-part training!   [APPLY] READY FOR VISIBILITY GROWTH & SCALING? apply for my intimate mastermind focused on scaling your business, building a credible brand, and owning a new level of visibility and authority. CLICK HERE TO APPLY.   [ORDER] my book or Audible, Get What You Want: How to Go From Unseen to Unstoppable so you can leverage the power of your own influence.

Few know that Eric Clapton's Song Tears in Heaven was written after his son fell from a New York Window. After his son's death, Eric Clapton's grief put him into a deep depression. While mourning Conor's loss, he received a chilling letter in the mail. His son had written the letter just a week or so before his death. It read: "I want to see you again". Spooked by the handwriting and the words, Eric retreated further into a reclusive state. It was in that state of mind that he wrote the song Tears in Heaven which went on to sell more than 3Million copies alone. In Today's Roots Music History Documentary, we dig up the roots that grew the song Tears in Heaven and I tell you the FULL story behind Eric Clapton and this top selling song. #RootsMusicHistoryDocumentary #music #history #documentary #ericclapton #classicrock #musicindustry #tearsinheaven

#TwitterSpaces #ElonMusk #SocialAudioThis week Suze and Madalyn talk about Elon's latest impromptu Twitter Space. The Chief Twit spoke to BBC journalist James Clayton live on Spaces but how many people were listening? While the live stats showed millions had tuned in, the stat counter later plummeted from those heights. We also talk about Clubhouse switch Clubs to Houses, Discord introducing a soundboard for Nitro subscribers and Substack.Links mentioned during the show...Elon gives a 10-minute heads up he'll be speaking on Spaces https://twitter.com/elonmusk/status/1645989936284442624BBC interview with Elon Spacehttps://twitter.com/Twitter/status/1645992677727666176Using creator studio to promote a Space https://twitter.com/spacesdashboard/status/1646075864717598722Bots or a glitch as stats on the Elon Space keep risinghttps://twitter.com/morqon/status/1645994323157057538 https://twitter.com/chrismessina/status/1646018090793316355 https://twitter.com/t3dotgg/status/1646008750623588356The killer question…https://twitter.com/TechTalksGlobal/status/1646008359693307906What's next for Spaces Elon?https://twitter.com/TitterDaily/status/1646018483933663232Could Spaces interaction be coming to desktop? https://twitter.com/MadalynSklar/status/1646199227159027712The switch from Clubs to Houses begins on Clubhouse https://twitter.com/audiomentor/status/1645833344293142540Meta updates audio encoding to sort levels across uploaded content https://twitter.com/MattNavarra/status/1646110648118521857Discord Nitro adds a soundboardhttps://twitter.com/audiomentor/status/1644442518598066182Sign up for Suze's Substack at stoprewindplay.substack.comLast week we spoke about Spotify sunsetting Spotify Live. Check out that episode here https://www.spreaker.com/episode/53471616All Things Audio with Madalyn and Suze is recorded LIVE on Twitter Spaces. Madalyn Sklar and Suze Cooper host All Things Audio on Twitter Spaces every Wednesday at 3pm EST / 8pm BST. After the podcast is recorded we open the mic and speak to people in the Space about the week's hot topics. Join us Wednesdays on Twitter Spaces to be part of the conversation. Follow @BigTentSocial and @MadalynSklar and follow the hashtag #AllThingsAudio.

Megan Yelaney is a business mentor, podcaster, and speaker whose passion truly lies in helping women build businesses that allows them to thrive in their marriages as much as their bank. She is an expert at unique framework development, something that makes her clients stand out to their niche by being their 100% authentic self. She's built three different businesses in the last 10 years, the latest to over $3Million in sales. Meg is a also a wife, fur mom to her mini goldendoodle Luna, actress and singer, and die hard Harry Potter fan. She truly hopes to help as many women as possible build wealth for themselves & their families in a way that lights them up every single day. MEMORABLE MOMENTS“Do not pivot before you're ready because it might not be easier on the other side. I see a lot of people do this in coaching.”“Using social media for your business will increase your confidence. Whether it's organic or paid advertisement...you want your audience to stop the scroll. There's a strategic way to be your unique self.”“There's a three pronged approach to coaching. The first is your unique way of teaching. Secondly, and the most fun, is your personality. The last piece is your unique experience within your niche. Lean into your unique ways.” “Choose to share what you want while knowing you don't owe anyone anything. I'm a big believer in instilling trust with your audience.”“Confidence means showing up as your true authentic self unapologetically and feeling safe in your body and mind. This is so important in business.” Connect with Megan:⭐ Mastering Sales Through Storytelling 3-Day FREE Challenge: https://meganyelaney.com/free-april-challenge⭐ The #PrettyAwkward Entrepreneur Podcast: https://meganyelaney.com/podcast⭐ Connect on Instagram:  @meganyelaney⭐ Website - www.meganyelaney.com Connect with Allison:⭐ Connect on Instagram @allisonwalsh⭐ JOIN OUR FREE COMMUNITY: https://www.facebook.com/groups/shebelievedshecouldcommunity⭐ Check out book recommendations from the show here⭐ Download your free 90 day planner here

Kiran Vangaveti is the founder and CEO of BluSapphire, a SaaS provider for Cyber Security. Kiran joins Ryan to talk about how he bootstrapped his way from 0 to $3million ARR, building on his 24 years of experience working in several fortune 100 companies. He talks about the founding principles of creating BluSapphire and the steps they took to build a capital-efficient company using an open-source model.  KEY TAKEAWAYS BluSapphire have seen an ROI of over 400% and has a current ARR of 3 million with an aim of increasing it to 200% over the next two years Before recently raising capital, BluSapphire mostly relied on word of mouth for its strategy but now they are slowly starting to build communities and channelling this way instead; establishing themselves as thought leaders. There is a lot of time wastage in cyber security. Triaging can take hours if not days, the concept behind BluDiamond is to fix this particular problem for cyber security companies in a variety of different technological ways. BluDiamond keeps its system as open-sourced as possible, which is unusual in the commercial space. This decision came from Kiran's enterprise background, to allow people to work with their tools effectively. One of the founding principles of BluDiamond was to raise a capital-efficient company. Technology is great but you have to know how to operate a business, and one of the highly effective ways to do that, is to bootstrap. In the beginning, BluDiamond took on a few clients, enough to sustain them, then once their product went live they purely focused on product-driven services. BEST MOMENTS “We're looking at security as a service” “Our aim is to establish ourselves as thought leaders in the space” “The idea is to keep it as flexible as possible” “We always believed in trading in the black, being capital efficient” Do You Want The Closing Secrets That Helped Close Over $125 Million in New Business for Free?"  Grab them HERE: https://www.whalesellingsystem.com/closingsecrets Ryan Staley Founder and CEO Whale Boss 312-848-7443 ryan@whalesellingsystem.com www.ryanstaley.io  EPISODE RESOURCES https://www.linkedin.com/in/kiranvangaveti/ ABOUT THE SHOW How do you grow like a VC-backed company without taking on investors? Do you want to create a lifestyle business, a performance business or an empire? How do you scale to an exit without losing your freedom?Join the host Ryan Staley every Monday and Wednesday for conversations with the brightest and best Founders, CEO and Entrepreneurs to crack the code on repeatable revenue growth, leadership, lifestyle freedom and mindset.This show has featured Startup and Billion Dollar Founders, Best Selling Authors, and the World's Top Sales and Marketing Experts like Terry Jones (Founder of Travelocity and Chairman of Kayak), Andrew Gazdecki (Founder of Micro Acquire), Harpal Sambhi (Founder of Magical with a previous exit to Linkedin) and many more. This is where Scaling and Sales are made simple in 25 minutes or less.Saas, Saas growth, Scale, Business Growth, B2b Saas, Saas Sales, Enterprise Saas, Business growth strategy, founder, ceo: https://www.whalesellingsystem.com/closingsecretsSee omnystudio.com/listener for privacy information.

Join Alchemy to get access to all of my courses + monthly hot seatsConnect with Julie on IG: https://www.instagram.com/julssolomon/Join Julie's Visibility Challenge Here: https://juliesolomon.net/challengeJulie's Website: https://juliesolomon.net/about-julie/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Today's episode features a live interview I did with my good friend Meg Yelaney. In this episode we unpack: What authenticity looks and feels like in your business How to own your uniqueness in business Megan Yelaney is a business mentor, podcaster, and speaker whose passion truly lies in helping women build businesses that allows them to thrive in their marriages as much as their bank. She has built three successful businesses in the last 10 years, the latest to over $3Million in sales. She is an expert as unique framework development, something that makes her clients stand out to their niche by being their 100% authentic self. Meg is a also a wife, fur mom to her mini goldendoodle Luna, actress and singer, and die hard Harry Potter fan. She truly hopes to help as many women as possible build wealth for themselves & their families in a way that lights them up every single day. CONNECT WITH MEG: Instagram: @meganyelaney Listen to the #PrettyAwkward Entrepreneur Podcast here: https://www.meganyelaney.com/podcast Join her FREE Signature Framework Workshop (so you can stand out in a saturated market): https://meganyelaney.com/free-framework-workshop WORK WITH TAYLOR: https://www.alignedandambitious.co/linkinbio

The PCP reunion, live in LA! Nate came to town this week and actually joined Jordan and Stacy in-person! We're diving into our dive bar party (a Valley dream come true!), plus the drama and lawsuits behind Brooklyn Beckham and Nicola Peltz' $3Million nightmare wedding, Jackie Siegel's “Queen of Versailles” coming to Broadway, and Paris Hilton's Y2K tribute with Kathy, Faye Resnick and Kris Jenner.See omnystudio.com/listener for privacy information.

In this episode I am talking about the latest news and rumor stories that caught my eye this past week. You can find the show notes here. https://liamphotographypodcast.com/episodes/episode-317-good-hobby-natgeos-pictures-of-the-year-3million-in-photos-493 Remember I now have my own discount code for all Platypod branded products at http://www.platypod.com using my code LD20 you can save 20% off on ALL individual Platypod branded products EXCLUDING Bundles, which are already discounted and Square Jellyfish or Lume Cube branded items. Also be sure to join the Liam Photography Podcast Facebook Group https://www.facebook.com/groups/liamphotographypodcast/ You can reach the show by call or text @ 470-294-8191 to leave a comment or request a topic or guest for the show. Additionally you can email the show @ liam@liamphotographypodcast.com and find the show notes at http://www.liamphotographypodcast.com. You can find my work @ https://www.liamphotography.net and follow me on Instagram, Facebook and Twitter @liamphotoatl. If you like abandoned buildings and history, you can find my project @ http://www.forgottenpiecesofgeorgia.com. and http://www.forgottenpiecesofpennsylvania.com. Please also stop by my Youtube channels Liam Photography Forgotten Pieces of Georgia Project Forgotten Pieces of Pennsylvania Project

Hour 1 - Because of YOU we were able to raise 1.3 million dollars for the Children's Hospital in Colorado! What kind of snacks should you bring to a Super Bowl party? Rhianna is all set to perform for her halftime performance! 

The Gentlemen of Crypto EP - 1047 Business Inquiries: krbe@krbecrypto.com Today's episode was sponsored by: https://www.icointechnology.com ********************************** Connect with us online at the following places: KRBE Digital Assets Group

https://www.GoodMorningGwinnett.com Of the three allocations that Warnock and his office secured, GCPS got the overwhelming majority of the funding. The district will receive $5.3 million in federal funding while Brighten Academy will receive $102,465 and The Museum School of Avondale Estates will receive $79,695.Warnock's office said the funds will be used to provide students and school staff with laptop and tablet computers as well as WiFi hotspots, modems, routers and other broadband connectivity purchases. The resources are intended to help ensure students have equal opportunities to learn.SOURCE: www.GwinnettDailyPost.com Curt Yeomans___________________________________________To Support This Show Please Shop With The Vendors Belowhttps://www.PillowEnvy.cohttp://www.fiverr.com/s2/4af8dc5344https://amzn.to/3AAmujfhttps://www.youtube.com/@TalkBusinessWithAudrey/featured?sub_confirmation=1https://try.printify.com/7kkf2lqejzvlhttps://www.youtube.com/watch?v=hNTx9bRpHss?sub_confirmation=1Thank You.

Using Conscious Capitalism philosophy and unconventional marketing approaches, David Valentine, CEO & Founder of Avadel Agency, was able to rapidly grow his 7 businesses by investing money into his people. David's businesses  have generated over a billion dollars collectively for over 1000 clients, including major brands and fortune 100 companies, and positioned him to be able to invest $3Million into companies this year alone.  David is a great example of Compassionate Capitalism and Conscious Capitalism all blended into ONE.  He joins Karen on The Compassionate Capitalist Show to share his perspective on growing businesses and generating massive revenue that you can bank. Key Take Aways: 1.  Why investing in your employees leads to massive revenue 2.  Why businesses should prioritize excellent marketing to become 'visible' to their target customers 3.  What is David's BIG BOLD goal and why you should have one too David is making his educational video series "7 Modules to Revolutionize Your Sales Approach" free to the listeners of this podcast.   Visit http://davevalentine.co for access. To learn more about Avadel Agency and their Outrageous Offer visit: https://avadel.agency/ Karen Rands, is the leader of the Compassionate Capitalist Movement™ and author of the best selling financial investment primer: Inside Secrets to Angel Investing.  She is an authority on creating wealth through investing and building successful businesses that can scale and exit rich.  Visit http://Kugarand.com to learn how to hire her firm to identify the red flags of deal before you invest or try to raise capital. Please Subscribe on your podcast player of choice: https://linktr.ee/compassionatecapitalist Watch on youtube https://youtu.be/iJADfnhWSc4

Philippe Cloutier, President and CEO of Cartier Resources (TSX.V:ECR - OTC:ECRFF) joins us to highlight the updated Resource Estimate at the now consolidated Chimo Mine Project, in Quebec. This resource is the first time the newly acquired East Cadillac Property has been combined with the Company's Chimo Mine Project. The current resource is now 7,128,000 tonnes at an average grade of 3.14 g/t Au for a total of 720,000 ounces of gold in the Indicated category and 18,475,000 tonnes at an average grade of 2.75 g/t Au for a total of 1,633,000 ounces of gold in the Inferred category.   We have Philippe outline the overall resource and explain what contributed to the slightly larger than expected resource. We then look ahead to the exploration plans that are still focused on expanding this resource. We discuss how the upcoming drilling will still be focused outside the current resource rather than on infill drilling.      If you have any follow up questions for Philippe please email us at either Fleck@kereport.com or Shad@kereport.com.

Today on the show we have Farzad Rashidi, Lead Innovator at Respona. In this episode, Farzad shares how Visme went from 0 to 3million in organic traffic, and how they took that strategy and turned it into a new product. We then discussed why organic and paid search traffic impact retention differently, and how customers that are actively searching to solve a problem have significantly higher retention.As usual, I'm excited to hear what you think of this episode, and if you have any feedback, I would love to hear from you. You can email me directly at Andrew@churn.fm. Don't forget to follow us on Twitter.

In this week's show, Shawn, Justin, and Andy cover some of the Tech you may find behind the Local and even National News. For many News Reporters, or Multimedia Journalist, they are a One Person Band. Many times, a Journalist/Reporter will be asked to go into the field to cover a story and they are the Reporter, Camera Operator and Engineer for the Segment. Shawn tells us that about 90% of the On Scene Reports are now done this way. Justin and Shawn talk about the different pieces of technology that make this possible. Another trend in News Reports has been Stringers and how the local new audience can provide video from the scene of a news story. Shawn and Justin tell us about stories they have done when working with TV News and one of the biggest was Shawn's from Mecosta County " He Didn't Make me Pass Out on the Floor" Segment which went viral and was featured on news stories across the country including Jimmy Kimmel. Justin shares his story of the Epic Fail Fox 5 News Jetpack video which hit over 3.3Million views on YouTube. A story has surfaced about Microsoft possibly including ads in the Launch Windows for Windows 11. The turns the focus to the business of Ad's and Click throughs. With so many ads, how can they be minimized. Justin tells us about how easy it is to create a PiHoles with a Raspberry Pi device although, right now they are in High Demand. Justin recommends Duck Duck Go as a search engine for those looking for privacy when searching online. A recent Ad campaign by them stresses the Privacy factor. Security with Passwords is discussed after Justin shares an Infographic from Hive Systems about creating the best password. The guys talk about Password Managers and which ones they like. With Justin's announcement of a new job in the tech world the guys talk about Education and Degrees and what is important to get a step into working in Tech. Where should one begin? Shawn shares the Website of the Web, https://www.hivesystems.io/password which can help guide you in creating a stronger password. Connect with Us on social media! Facebook @techtalkers YouTube - https://www.youtube.com/techtalkradio Twitter @TechtalkRadio Instagram techtalkradio Web: TechtalkRadio.Com Subscribe and Like on Spreaker! Spotify, YouTube, Audacy, iHeart and Apple Podcast

Lost Ark smokes Noah's personal best (1.3million!) by OurLifeInPixels

 What is up! Y'all this episode is something that defines this podcast and why I still do the show. You are not gonna want to miss this episode! New Episode every Monday Enjoy! Let me know what you think  Shoot me an email!  :)EMAIL TheBookofTheWeekPodcast@gmail.com Tweet me @jonkalian Flow me on clubhouse @JonthanPortukalian 

Tasha K promised to fight her $3 million court loss to Cardi B this week in a statement Wednesday that railed against “the machine” and “corporate interests,” while gassing up her own media company, Kanye has been making headlines for all the wrong reasons lately, Another Woman says she was Sexually Assaulted by Chris Brown and more…---------------------------------------------------------------------------Stay up to date with things check out my linktreeLinkTree: https://linktr.ee/TDGS TDGS Merch: https://teespring.com/stores/tdgs-merch Visit https://thederekdoll.com/

The Nigerian Guild of Editors has received $226, 889 from the United States of America through its embassy in Nigeria. The NGE's President, Mustapha Isah and the General Secretary, Iyobosa Uwugiaren, the professional body of editors, said the capacity building would include training programmes for editors and other senior journalists on Press Freedom/Democracy, as well as Town Hall meetings on media regulation framework. The body of all Nigerian editors expressed the belief that a responsive and professional media would have the spin-off effect of keeping the government on their toes, holding government accountable to the citizens, securing the confidence and support of the citizens and the international community and advancing the democratic growth and consolidation.

The Nigerian Guild of Editors has received $226, 889 from the United States of America through its embassy in Nigeria. The NGE's President, Mustapha Isah and the General Secretary, Iyobosa Uwugiaren, the professional body of editors, said the capacity building would include training programmes for editors and other senior journalists on Press Freedom/Democracy, as well as Town Hall meetings on media regulation framework. The body of all Nigerian editors expressed the belief that a responsive and professional media would have the spin-off effect of keeping the government on their toes, holding government accountable to the citizens, securing the confidence and support of the citizens and the international community and advancing the democratic growth and consolidation.

The Nigerian Guild of Editors has received $226, 889 from the United States of America through its embassy in Nigeria. The NGE's President, Mustapha Isah and the General Secretary, Iyobosa Uwugiaren, the professional body of editors, said the capacity building would include training programmes for editors and other senior journalists on Press Freedom/Democracy, as well as Town Hall meetings on media regulation framework. The body of all Nigerian editors expressed the belief that a responsive and professional media would have the spin-off effect of keeping the government on their toes, holding government accountable to the citizens, securing the confidence and support of the citizens and the international community and advancing the democratic growth and consolidation.

We always appreciate how Bill Maher is able to call out the stupidity that exists on both the left and the right. We discussed the $3 million settlement reached with the city of Loveland after a federal civil rights lawsuit was filed after officers violently arrested her in June 2020 On the 20th anniversary of the September 11th attacks. 20 years ago, 19 Al-Qaeda terrorists hijacked 4 airliners, three of which hit their targets: Tower 1 and Tower 2 of the World Trade Center as well as the Pentagon. It resulted in 2,997 deaths and 25,000 injuries - interviews of Condi Rice --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/nodekorum/support

Download I Chronicles 9-12 We are in the Nation Stream reading from the Holman Christian Standard Bible. 7streamsmethod.com | @7StreamsMethod | @serenatravis | #7Streams | Donate Commentary by Dr. Drake Travis God you are exciting, Your plans are exciting, your world is exciting, your future (with us in it) is exciting. Amen. 9 - This is the last chapter of successive genealogies. It covers the return from Exile in Babylon. And with these records being kept, this made it possible to return to Israel and they would know which people were to go back to which land. These nine chapters of genealogy walk us through the streams, via the names, of all the biblical history that has happened so far.  The generation to generation run down ties the national family together through time and this deeply authenticates the Hebrew story.  And no one is trying to kid anyone here - what is more enchanting? walking around a quaint city or sitting in a hotel room in that city while reading that same city's phonebook? duh! This first nine chapters of Chronicles has been a bit like reading the phonebook. It is the truth. It IS this same city but it doesn't inspire like some of the stories that teach and get us dreaming and praying while making our spirit soar to new heights!  So after reading the first part of Chronicles ... read the read of the Bible! :-) The next three chapters are dedicated to the process of David becoming King. The matching narrative is seen in II Samuel which begins at Saul's death. which in turn passed the kingdom to David. I.e. I Chron. 11-29 and the book of II Samuel are parallel stories with each having a distinctive focus.  I Chron. is a little more focused on the ritual of worship that was so vital to David. 10 - This is the tale of Saul's finale~  He was a base man; practically secular, though he had a spiritual calling (by default). His death is gory and pathetic as his sons are killed with him. The Bible is specific to state why he was taken out the way he was. "He was unfaithful...he did not keep God's Word, he resorted to witchcraft, he did not seek the Lord."  So God put him to death in a way that makes all of the future souls that have even a vague sense of observation to read of Saul and vow to not live like that apostate man. 11 - David is anointed king and he wastes no time in taking Jerusalem. One of the things that is easily missed is that it has been nearly 400 years since the Israelites came into this promised land. And after taking Jericho, had they stayed on track, they certainly would have been able to take Jerusalem within a generation or so. It was only 13 miles away! But 400 years had rolled by and Jerusalem was still occupied by a pagan people.  A brief review of Judges 2:7-13 gives a clear explanation as to why they got sidetracked for 300+ years. Ridiculous isn't it?  But David took Jerusalem and it is dedicated to God. David was dedicated to God and dedicated to the core of his soul. And God was with David. The man became unstoppable.  The takes of the valiant deeds of the men dedicated to him are impressive. They are the scenes of blockbuster movies. When God is in a movement, fear nor failure are matters that are not even pondered, much less experienced. 12 - This is a 'by the way' chapter that jumps back a bit and gives the story and numbers of people who jumped to David's side even before he was the full-fledged king with Saul out of the way.  It is a marvel to see the ground swell that arises around David; the gathering that surrounded him with aid and comfort and defense at all costs.  The skills, the speed of these men, their heart/soul dedication, the valiancy that they all have for DAvid's cause! Good heavens. The gathering at Hebron had to be a sight. Y'can almost hear David exclaim 3000+ years later, "aww, you should have been here!!"  This is just under 341,000 men hearts like lions, tough as leather, trained as Marines, ready to serve a God who is called a consuming fire and mighty in battle.  And they ate and drank and reveled in what God had brought on for three days! It says, "and there was joy in Israel!"  Forgive the modern-day insertion here but can you imagine the catering bill for well over 3Million meals for robust hungry soldiers who do NOT just pick and nibble, but scarf and eat and eat and eat?!

TPAIN SPEAKS FACTS ABOUT MUSIC Family thought he was a devil worshiper TINASHE & SNOH AALEGRA LIKED MY TWEETS DA BABY GIVES ME CLOSET WITH THE BLINDS TEASE Bringing out Tory lanes Slapping woman's phone out her hand AIDS ignorance Shooting 19 year old Filming children making fun of them He dissed Jojo Siwa Music industry now is all about drama and controversy TI JAZMINE SULLIVAN IS HERE TO STAY Side note why was Neyo so upset about Irreplaceable, he had a writing credit bitter man, the pain you must be in HARVEY WEINSTEIN He admitted to doing it Law enforcement on his side Misogynistic WOMEN The way the world views women Private documents Paying off women Richard Gear Men in power, GET RID OF IT The 90s Dr Dre is ordered to pay ex wife 3Million in SPOUSAL support until she's remarried She's a lawyer Non black And he probably cheated KANYE & LIL NAS X

On this episode we have a Serial Entrepreneur who has grown his net-worth to over 3Million. Has about 5 six figure businesses, with 2.7Million worth of Crypto and Stock Assets. He Discusses the issues faced n his entrepreneurial journey and how he dealt with them. He talks about his transition from a regular teenager to a Successful Entrepreneur. There is a bonus tip at the end of this episode where he suggests the best way to invest $1000 if you are starting out as an entrepreneur. So many more Million dollar gems were dropped in this episode, its up to you if you would want to pick them up. Check out his Instagram @ayehxncho Link to his Books, The Million Dollar Mindset: The Life Changing Power Of A Wealthy Mind: https://amzn.to/3hYEkSK 10 Keys to Financial Freedom: https://amzn.to/2TT6w1A Escaping from the 9-5 Trap: https://amzn.to/3hwHq1s Prestige University: https://beacons.page/ayehxncho

Cllrs Pio Smith, James Byrne, Joanna Byrne and Maeve Yore also locked horns over politicial pacts at local level See acast.com/privacy for privacy and opt-out information.

Edtech platform AdmitKard has announced its plan to future increase its plans to increase its talent pool by 100 percent.  Leading Direct to Consumer home appliance brand Candes has raised $3Million from various marquee family offices of Delhi. This includes the investment from Anuraag and Ruchirans Jaipuria along with Lotus group Joint MD, Nitin Passi, and Redcliffe's Dheeraj Jain. Kale Logistics has raised $ 5Million in series A round funding led by Inflexor Ventures in participation from its existing investors Eyewear retailer ClearDekho has announced its plan to open more than 200 stores and expand across 100+ cities by the end of this fiscal. Blue Ashva Capital has invested $ 4.5 Million in Greenjoules a Pune-based green energy technology through its Blue Ashva Sampada Fund. Urban Company announced the appointment of Amit Das as Vice President of Design & Research, and Rishabhdhwaj Singh as Vice President of Engineering respectively. Dhurina Ventures Private Limited, an e-Learning platform for state and regional competitive exams announced their expansion in Jammu & Kashmir.  That's it from today's news briefing headlines. And to access more interesting news articles and interviews log onto techgraph.co --- Send in a voice message: https://anchor.fm/techgraph/message

We got the chance to sit with Dave Wichard. Watch as he talks about the "Secrets of going from 0-$3MILLION IN 1 YEAR" and many more!

For this episode, we sit down with Cris Villar. Cris is the Co-Founder and VP of Customer Success at Landbot, a product that transforms your website into a Conversational Experience to increase engagement and conversion rates. I was amazed to learn that  Landbot was born out of a product bug...  ... A bug that skyrocketed conversions from 5% to 27%! It's easy to look at successful companies and think their success was linear and without serious setbacks.  The reality is that many companies have limited resources, pivot and get punched in the face… daily.  But the ones still standing get back up and keep going. Who knows, a product bug can lead to an incredible insight! Often times, the obstacle is the way.  That was certainly the case for Landbot. In this episode, you will learn: - How to leverage free platforms like Product Hunt to accelerate growth - The importance of positioning and how to approach it - Outbound sales mistakes and why “supporting is the new selling” - Why Landbot are dedicating 70% of their resources on activation and why you should be too- And the challenge of time management in the retention economy & advice to tackle it.

Why did history never tell you about the largest country in the world around the American revolution? How come no one talks about how we knew California was an island in the 16th century and then forgot 200 years later? Find out more here Support the show: conspiracyorjustacoincidence.com --- Support this podcast: https://anchor.fm/jackallen1/support

Rich Jones served with the 3rd Royal Tank Regiment. On his release from service he struggled to find meaning and belonging. After a series of events that were out of his control, Rich finds himself rubbing shoulders with the unpredictable characters that live within the criminal underworld. His exploits saw him head a £3million cocaine gang, his exit plan was scuppered leading to his eventual capture ending with a 15-year prison sentence. Rich went on to write the countries first rehabilitation programme for veterans while in jail and he continues to serve veterans through charity work as well as campaigning to raise awareness of veteran offenders suffering from PTSD and mental health issues. Rich has authored his first book “Charlie Four Kilo” NO CENSORSHIP HERE FOLKS! It's a motivational podcast - a funny podcast to listen to. If you are fans of the Joe Rogan Podcast or The James English Podcast or the Joey Diaz Podcast then you might well enjoy this NEW UK podcast. #richjones #charliefourkilo #chewthechatpodcast Enjoy this guys. LIKE SUBSCRIBE RATE REVIEW and tell a friend and our luck will never end. Thank you everyone x SHOW LINKS • Book Charlie Four Kilo • Rich Jones TikTok • The Bridge Charity • WeLikeToMoveIt Charity • 'Human Behaviour' Bjork - Spotify • Join The CTC Family - www.chewthechat.com • Find Out Whats Actually Happening in the Uk - UK COLUMN • Podbible - Podbible Magazine SHOW SPONSORS • Go Deep Flotation - 10% discount code (Chew) • Lincoln Cryo Lab - 10% discount code (Chew) • Anchor Podcast Hosts CHEW THE CHAT PODCAST • Chew The Chat on Web • Chew The Chat on YouTube • Chew The Chat on Instagram PRODUCTION • Aidan Turner inceres PRIVACY • For information regarding your data privacy please visit: Privacy

Before we begin - Click the following link to subscribe to the New Leaf Nutshell, breaking down the most controversial of motherhood topics and doing all the Googling, so you don't have to. This month, I'm debunking Sleep Training and exploring its murky waters, as we discover the secret (or lack thereof)... of getting your tiny terror to sleep --> https://newleafpodcast.substack.com/p/the-new-leaf-nutshell-should-i-sleep?r=aze8z&utm_campaign=post&utm_medium=web&utm_source=copy The incredible Susie Allison, aka the legendary Busy Toddler @busytoddler,  joins me on today's episode of new leaf.   Susies 1.3MILLION follower Instagram account of nearly free / zero charge creative, exploratory and innovative activities for taybies and toddlers alike is unbelievable testament to the service she is providing for so, so many women stuck at home staring at our phones or the clock, waiting for the time to tick by. It came as absolutely no surprise to me that her followership simply boomed in the pandemic, where so many women and their children were deprived of the typical plethora of activities that keep both ourselves and our babies sane.  The sheer creativity Susie puts into her ideas, her page and her site and the wonder that she clearly experiences from the inside out when talking about the magic of the toddler is absolutely extraordinary. I genuinely hung up the call feeling inspired, grateful and in awe of how wonderful this age that gets terrible press actually is.  We talk fertility, giant babies, birth, c-section 'shame' and the need for us to not rush childhood - and reframe how we care for our very special tiny people. Introducing... Susie.    

Robert Farrington is the founder of thecollegeinvestor.com which is one of the largest websites that focuses on personal finance & building wealth for millennials that averages over 3Million+ readers a month.   We talk about the keys to growing his blog to millions a month, the one thing that really moved the needle for his growth, and how to create quality content.   We also dive into what you can do with your money from less than £100 to invest all the way up to thousands!   Join the FREE community for The Ask Mike Show over at: https://www.facebook.com/groups/theaskmikeshow   You can find The College Investor on Facebook  YouTube   Twitter   Pintrest  &  Instagram 

Here's another dad who gets to be home thanks to his ecommerce business! Today's guest has been a member of our community for some time now. He was actually a guest of the show back in 2017 which was just after I had my total loss house fire from a lightning strike (a year I'll never forget!) Since that time, Eric has steadily grown his business and enjoys a flexible lifestyle working from home with a small team. He doesn't have an office or even own any warehouse space. He "rents" some space from a local warehouse that has excess space. His net take home (after all employees and other expenses) is about 10% of total sales, and he's expecting to do about $3million in sales in 2021. Today we talk about wholesale sourcing strategies, Eric's new interest in the replens model, the PPP model (PPP is "Proven Product Partnering" - the model where you get paid to help brands get onto amazon) and even some bundling. Today's guest: Eric Borgeson Listen on YouTube: https://youtu.be/YotmKrcXJ-E LINKS: https://ProvenAmazonCourse.com - the comprehensive course that contains all our Amazon training modules (including wholesale, PPP, Bundles and Replens as well as several others not listed below individually as well) https://ProvenBundlingCourse.com - our most recent Amazon bundle training https://ProvenAmazonCourse.com/replens - the REPLENS only module by itself https://ProvenProductPartnering.com - the Amazon selling model where you spend none of your own money but get paid to help other brands get onto Amazon and sell well https://ProvenWholesaleSourcing.com - This course teaches how to find and what to say to the wholesale companies https://JimCockrumCoaching.com- our coaching team. Free consult. Call us! https://SilentJim.com/updates - get smartphone alerts when we have a new episode Support@SilentSalesMachine.com - contact us if you have questions!

Today’s guest is so awesome, he’s been on the show twice! This is Luke Rotvold’s third time to grace the show. This time, he brought his business partner, Jake Landis with him. Together, they are known as the Viking Boys. Luke is hailed the #1 most productive cold caller and with good reason. In just a few years, he has generated over $3 million from cold calls alone (all while playing video games on their couch!). Since their business exploded dramatically, they’re now trying new ventures including rentals, flips, and Airbnbs. If you want to dominate the wholesaling business and have tons of fun while at it, this episode is for you! RESOURCES: Who Not How by Dan Sullivan and Benjamin Hardy The Viking Boys Youtube Channel TTP Cold Calling Training ListSource Podio Luke on Intagram Jake on Instagram

Managing Director of ENS Forensics, Steven David Powell has named Johannesburg Mayor Geoff Makhubo as one of the individuals who received irregular payments of up to R1.3million from EOH Africa through his service providing company named Molelwane Consulting in 2012. Powell says EOH AFRICA secured a number of payments from the City of Johannesburg without any work being delivered to the City. ENS' Forensics investigation found widespread irregularities amounting to about R1.2-billion in deals between EOH and various government departments

Today we're discussing the Dodgers' World Series championship, the millions of mail-in ballots that were not returned, the Democrat's chances at flipping Texas, Glenn Greenwald's resignation from The Intercept, the hackers that stole $2.3 million from the Wisconsin Republican Party, Trump's plans to eliminate the H-1B Visa lottery, Zeta's devastating effect on the Gulf Coast, Emily Ratajkowski's decision not to reveal the gender of her baby, the biggest IPO in world history, ByteDance's gadget education push, SpaceX's $99/month Starlink satellite internet service, Netflix's price raise and audio-only feature, Apple and Google's earnings, Apple's plans for making their own search engine, Ralph Lauren's sizeable drop, online beer sales soaring, a LIVE Winners, Losers, and Content Recommendations segment, and more. New Republic Warehouse Sale! Shop shoes for up to 50% off: shopnewrepublic.com Enter for a chance to win your own No Karen’s Allowed mat here: https://www.instagram.com/p/CG0KU3Bls3M/?igshid=6a47w1d5oafh Introducing the 2nd Annual Grand Running Club Virtual Race Series! Register for either the 5k, 10k or half marathon and you will receive the best race package EVER. This includes an exclusive Grand Running Club race hoodie, a $25 gift card to spend at grandrunningclub.com, discounts from all our favorite apparel & footwear brands, and a selection of sample products from our partners to help you pre & post run. You can run or walk the distance you sign up for, anywhere on Earth, anytime between December 5th and December 6th 2020. 2020 is almost over, leave your mark: https://virtualrace.grandrunningclub.com We Might Be Cancelled – Group Chat News It’s feels like we are in a 3rd world country. [1:44] LA, a city of champions. [10:52] The conspiracy surrounding Justin Turner. [15:21] Breaking down the polling numbers. [18:58] Group Chat loves Joe Rogan. [26:13] Glenn Greenwald is a hustler. [35:35] Politics Chat. [40:22] Louisiana gets it bad. [45:40] Pete Reads the Ads. [47:24] We might be canceled: The race/gender conversation. [50:15] Apple is smelling blood on the streets. [1:03:10] Earnings Chat. [1:07:04] Why you should pay attention to ANT. [1:10:53] TikTok making their push into hardware. [1:13:45] Buying into the Elon Musk brand. [1:16:45] What Netflix is doing to grow. [1:18:32] It isn't Ralph. [1:24:23] Online beer sales are through the roof! [1:27:42] Weekly Winners & Losers. [1:30:07] Hottest Content for the Weekend. [1:41:36] Group Chat Shout Outs. [1:47:13] Group Chat Announcements. [1:52:15] Related Links/Products Mentioned The Los Angeles Dodgers Win the World Series and Enter Covid-19 Chaos Millions of mail ballots have not been returned as window closes for USPS delivery Democrats Dream of Flipping Texas With Early Vote Exploding Barack Obama to Appear on LeBron James's 'The Shop' Glenn Greenwald Resigns From The Intercept After Editors Reportedly Refused To Publish Article Critical Of Joe Biden Joe Rogan Experience #1556 - Glenn Greenwald Hackers steal $2.3MILLION from the Wisconsin Republican Party that was going to be used for Trump's reelection campaign Trump Administration Proposes Eliminating H-1B Visa Lottery Zeta blasts Gulf Coast, leaving at least 3 dead and millions without power Emily Ratajkowski on Pregnancy and Why She Doesn’t Want to Reveal the Gender of Her Baby Apple Is Reportedly Creating Its Own Search Engine Amid Google’s Antitrust Woes The Big 4 tech companies — Amazon, Apple, Facebook, and Google — blew past Wall Street estimates in their latest-quarter earnings reports The Biggest IPO in World History Is Stoking an Investor Frenzy TikTok-parent ByteDance launches its first gadget in a big education push SpaceX prices Starlink satellite internet service at $99 per month, according to e-mail Netflix raises prices, stock leaps 5% Netflix is testing an audio-only feature that’s similar to podcasts Ralph Lauren Drops Most Since June on Long Road to Recovery Online Beer Sales Soar at Brewers of Budweiser, Miller Lite 3 Reasons Pinterest Stock Is Exploding Higher Again MemeWorld Melrose Area Residents Are Finding Cookies Distasteful Content Recommendations Anand – Watch the news! Dee - My Next Guest Needs No Introduction With David Letterman / The Queen's Gambit | Netflix Drama - Joe Rogan Experience #1555 - Alex Jones & Tim Dillon Connect with Group Chat! Watch The Pod #1 Newsletter In The World For The Gram Tweet With Us Exclusive Facebook Content

In this season finale, we hear a more personal story from Dr. Stephen Ziegler, a humanitarian and humorist who founded the Center for Effective Regulatory Policy and Safe Access (CERPSA). He announces a major new development and a personal journey involving pain, three million dollars, and a rowboat. 

Illuminati News Hour --- Send in a voice message: https://anchor.fm/illuminatiexposed/message

This week Frank Barry who is the COO/CMO at Tithe.ly shared with us some of the really interesting things that his team have done to help them scale their church giving platform to $3million+ in MRR - including calling every single signup. This is an extremely practical episode full of insightful takeaways - I hope you enjoy!

The Women in Tech with Ariana podcast is a weekly podcast that talks about the latest news in tech, showcasing guest, and sharing tangible resources to help women navigate the tech industry and entrepreneurship. Whether we are talking about funding opportunities for your startup, a conference you should attend, coding boot camps or a VC fund you should apply for, we want to provide you access to these tools and opportunities! Tune in to this episode to hear from Carolyn Yarina, CEO of Sisu Global and how she raised $3Million dollars for Sisu Global, a medical technology company, is making an impact on millions of lives around the world. Connect with Ariana: https://www.wallwaytech.com/ariana-waller Connect with Podcast: https://www.wallwaytech.com/podcast Connect with Carolyn here: https://www.wallwaytech.com/podcast-guests

"Find something you're passionate about, that you really believe in," that's the key to making your mark! John Marick is interviewed by David Cogan founder of Eliances and host of the Eliances Heroes show broadcast on am and fm network channels, internet radio, and online syndication. www.consumercelluer.com

"Find something you're passionate about, that you really believe in," that's the key to making your mark! John Marick is interviewed by David Cogan founder of Eliances and host of the Eliances Heroes show broadcast on am and fm network channels, internet radio, and online syndication. www.consumercelluer.com

If you change the way you look at things, the things you look at change.

This week we speak on the dems debate, pro gaming and glasses malones new song 2pac deserves 2 die. Oh hot girl / boy summer is over. --- Support this podcast: https://anchor.fm/ramonte-means/support

Covering plenty of gaming news in modern, retro and indie as well as nice list of new World Records for NES speedrunning. Some unique Kickstarters, Game Deals, and New Retro Games.Podcast can be watched LIVE every Sunday at 630-7PM EST at http://www.twitch.tv/old_world_gamer @1:57 SDK Reviews Bloodstained: Ritual of the Night@31:59 PS5 to Focus on "hardcore" consumer and Triple-A Titles@40:54 My Friend Pedro Moves 250K Copies in 1 Week@42:48 Google Stadia Games Will Not be Cheaper Than Console Games@48:23 Pokemon Masters Info@52:06 Zelda: Link's Awakening Needed Minimal Changes@57:45 Dr DisRespect Back, Twitch Fine with Law Breaking Streams@1:06:21 Blazing Chrome, Like Having a New Contra Game@1:08:32 Borderlands 3, Main Story Takes 35 Hours to Finish@1:13:15 NES Speedrun World Record Updates@1:20:20 OWG Explores Indie Games@1:39:08 Nintendo Thinking of Expanding Retro Library Beyond NES@1:42:22 Wind Waker Mod for Banjo-Kazooie, N64 Compatible@1:44:02 Clu Clu Land Joins Hamster's Arcade Archives Range on Switch@1:45:27 Play Your n64 on Modern Displays with Super 64 HDMI Adaptor@1:48:11 Mega Drive Mini JP, Collector's Edition Comes with 22 Tiny Carts@1:49:57 Sega Not Worried With Overwhelming Audience with Retro Content@1:51:30 Limited Run Games Releasing Physical NES and GB Star Wars Carts@1:53:58 Royal Hunt by Bimbarlade, New C64 Game, Why is He Nude?@1:57:50 Rade Blunner Ep. 2 by Iadvd, New ZX Spectrum Platformer, Needs More Gameplay@1:59:23 Dice Skater by Geir Straume and Sean Connolly, New Addictive C64 Game@2:02:02 Cruiser-X 79 by The New Dimension, New C64 Shmup@2:04:06 128GB PlayStation Classic Retro Console@2:06:25 Grelox by Sunteam, Beautiful Retro Game for PC, Free to Play!?!@2:08:35 Minit for C64 and SpectrumNext, Possible Physical Release@2:10:54 NEW C64 Full Size Release Coming December 2019@2:14:41 Create Dizzy Games for ZX Spectrum with Dizzy Scripting Engine v1.1.0@2:16:32 Bonus C64 Game Released with Mancave, Docster's Digger@2:19:02 Precinct 20: Dead Strange gets Release Date from Psytronik Software@2:22:23 Pokemon Sword & Shield Dev Understands Drama Over National Dex@2:24:49 Twitch Allows Subscriber-Only Streams, #OnlyAppreciateYour$$$@2:30:35 Doom TV Show by Dave & James Franco.... About the Making of the Game@2:32:01 Tetris Royale, Mobile Tetris 99-like Royale Game@2:34:42 Bill & Ted 3: Face the Music Cast More Original Movie Characters@2:35:24 Cyberpunk 2077's Install Size is 80GB on PS4, Minimum@2:37:35 New Ni No Kuni is in the Works, Level-5 Confirms@2:38:22 SGDQ Raises over $3Million @2:40:58 Blue Protocol, New PC Action-RPG by Bandai Namco@2:42:31 Gloomhaven gets Early Access Teaser Ahead of Launch@2:44:37 No Delivery, Procedural Horror RPG, Unsettling Demo@2:47:04 $80 HDMI Dongle to do Post-Processing for Your GPU?@2:52:18 Kickstarter: SkateBIRD@2:56:00 Kickstarter: AWAY@3:02:23 Kickstarter: Evan's Remains@3:07:05 Kickstarter: Orange Island@3:12:35 Closing, Shout Outs & Channel Host: PoisonCurls======================================================~~~Follow Me!~~~????????Twitch: http://www.twitch.tv/old_world_gamer ????????????????Twitch: http://www.twitch.tv/scottdevonkane ?????????Game Channel: http://www.youtube.com/c/oldworldgamer?Cooking Channel: http://www.youtube.com/user/stefanskitchen?Vlog Channel: http://www.youtube.com/user/thisisusnl????????Twitter: http://www.twitter.com/owgamer ????????????????Facebook: https://www.facebook.com/pages/Old-World-Gamer/335852309774703 ????????????????Steam: OWGamer????????????????Instagram: https://www.instagram.com/oldworldgamer/????????????????My Patreon: http://www.patreon.com/oldworldgamer ????????=====================================================Want to speed run? Check out http://www.speedrun.com I'm now a Humble Bundle Partner, feel free to purchase your games through my link and you can decide how much of your purchase goes toward my reviews and streams.https://www.humblebundle.com/?partner=OWGamer

Madhura is among the leading Youtubers in the food category and is known for making delicious recipes look simple for so many households, especially those who are bachelors. She is among the first youtubers who adopted regional language as the tool to reach out the regional demographics speaking marathi. With cumulative 3Million+ subscribers and a best-selling recipe book & Original Masala brand! This episode is a must-listen if you want to know how youtubing works and if you aspire to become a youtuber yourself.

Madhura is among the leading Youtubers in the food category and is known for making delicious recipes look simple for so many households, especially those who are bachelors. She is among the first youtubers who adopted regional language as the tool to reach out the regional demographics speaking marathi. With cumulative 3Million+ subscribers and a best-selling recipe book & Original Masala brand! This episode is a must-listen if you want to know how youtubing works and if you aspire to become a youtuber yourself.

He’s been called the most efficient man alive. Today I have the pleasure of speaking with Ari Meisel about doing less and achieving more. What we discussed: How Ari cured Crohn’s Disease How to replace yourself How to discover your peak time by tapping your phone The 3 circles formula to outsourcing Why you should embrace boredom … and MUCH MORE Interesting highlights: Ari was $3Million in debt at the age of 20 Ari sleeps only 5 and half hours and is at his peak performance Resources & Links: lessdoing.com (https://lessdoing.com) PodBooker.com (http://www.podbooker.com) The Daniel Gefen Show (https://www.danielgefen.com/show) The Self Help Addict (http://www.theselfhelpaddict.com) (My book) Gefen Media Group (http://www.GefenMediaGroup.com) (Sponsor)   Did you enjoy this episode? Then  please subscribe to my podcast on iTunes (https://itunes.apple.com/us/podcast/can-i-pick-your-brain-entrepreneur-business-podcast/id1076916148?mt=2) , so you can get automatic updates whenever another episode goes live (and you will be helping me get to #1 on iTunes!)

In this weeks episode we take it back to our roots and talk about Evan Carmichael and his Top10 Rules For Success. Evan has over 1.3Million subscribers via his Youtube Channel and has inspired millions all over the world with his Top10 Rules For Success video series. https://www.evancarmichael.com/ Success.com Passionate about safe self development

Andrew Bargh and Liam Bryce bring you analysis of all the latest news from Celtic. For information regarding your data privacy, visit acast.com/privacy

Danielle is the co-founder & CEO of Scrunch, a data-driven Influencer Marketing platform helping to connect brands, publishers and agencies to the right Influencers for their campaign.  Danielle has a background in fashion design, blogging and enterprise sales - but her heart really belongs to travel and coffee. 10 years ago she started the blog Brisbane Threads while pursuing a career in enterprise sales for Australia's largest telecommunications company. It was through this blog that the world of digital Influencers and their challenges would interest her so much that she threw-in a rising career to pursue the world of technology startups. 5 years later, Danielle has successfully raised over $3Million in capital, built a world-class team and launched a SaaS platform in Australia and the US. Next stop, Margaritas in Mexico.  You can find Danielle at scrunch.com This episode is brought to you by my book "So You Want to Start a Business; the 7 steps to create, start and grow your own business" To buy your copy head over to www.healthynumbers.com.au You can find full transcript click here

SUMMARY:   In this episode of DYB, Steve interviews Lisa Moon, Co-Owner of Paper Moon Painting based in San Antonio & Austin, Texas.   Owned and Operated by a Husband & Wife Team, Paper Moon's story begins humbly, running exclusively by subcontractors out of the Moon family's home.   Over the last six years, Paper Moon has grown to an award-winning $3Million+ company, providing a high-quality painting service that exclusively serves family homes in upper-class neighborhoods.   Enjoy this conversation as Lisa dives into her methods for acquiring leads, opening a satellite location in a new town, and maintaining a company culture as they grow.   --   WHAT YOU'LL LEARN:    -Lisa's methods for ringing up business immediately in a new location -Paper Moon's experience with opening a satellite location in a new city, and what they'd do differently -The importance of Culture in growing a painting company sustainably   --   QUOTES:    "We're a systems company that delivers painting projects." "Trust and Delegate." "Change takes time. Be patient and trust everything will be better in the end." "Culture eats strategy for breakfast." "In growth mode, you'll take almost any warm body. We have work, we need guys. But then we realized we want to keep the culture strong. We don't want C Players who will keep us down."   --   HIGHLIGHTS:    [1:59] How did Paper Moon get started? [10:05] What has Lisa's experience been hiring Hispanic workers? [20:58] What did Lisa learn from opening a satellite location, and what would she do differently? [32:36] What change made the biggest difference in Lisa's Business? [36:47] What part does culture play in Lisa's company?   --   LINKS & RESOURCES MENTIONED IN THIS EPISODE:    11 Interview Questions to Hire for Character   DYB System Chart   TSheets   You Can Book Me   Estimate Rocket   Work The System   The E-Myth Revisited - Michael Gerber   Good to Great   The 5 Dysfunctions of a Team   --    ADDITIONAL FREE RESOURCES:  Join DYB DYB System PDF EP01 9 Steps to Doubling Your Business Part 1 52 Blog Post Ideas PDF YouCanBookMe VIDEO Pre-qualifying Questions PDF Video Testimonial Checklist PDF 3 Steps To Get Leads From FB PDF 11 Interview Questions PDF 9 Ways To Get HOA Work PDF   Connect with Lisa on Facebook here Connect with Steve on Facebook here   Press and hold to visit the page Show Page Notes   Thank you very much for joining us today! If you received value, would you take a quick few seconds and leave us a review on iTunes, please?

So what were you listening to back in 2004?  Was it "Yeah" by Usher featuring Lil John and Ludacris? I loved that track. Was anybody listening to podcasts back then?  The podcast idea was just getting going with the WebTalk World Radio Show; the first nationally syndicated radio program in the world to start podcasting on Sept 15th,  2004.  Rob Greenlee is the former lead host and recent Podcasting Hall Of Fame inductee. Listen to Rob in episode 14 tell why he started podcasting, what he's up to now with Spreaker.com, why he doesn't drink orange juice anymore.    http://www.robgreenlee.com/ @robgreenlee rob@spreaker.com www.spreakerliveshow.com www.newmediashow.com 03:25s Rob’s Guiness’ World Record of biggest glass of orange juice. 06:30s Rob’s start in marketing and getting into website building 08:40s Building the first Florida Citrus website (1996) and freaking out the Florida State Government 12:10s Starting the Webtalk World Radio Show 17:00s Throwing stuff at the wall and seeing what worked with early digital marketing 20:12s Dave Winer, Adam Curry and the genesis of podcasting in Summer of 2004 24:30s Broadcast radio, digital streaming and public radio with 1.3Million listeners 28:03s How traditional radio and public radio look at podcasting 34:12s Podcasting as a creative endeavor and splintered audiences 38:00s Creating a full service podcasting platform at Spreaker 43:12s The coming wave of smart speakers and the value for podcasting 48:00s Rob’s take on security, privacy and data analytics for podcasting “I think you can benefit from learning from others in a huge way and podcasting is a perfect medium for that.” Enjoy this episode? Share it with friends! Click Subscribe in ITunes!

Touch Rugby is a fast moving free flowing minimal contact sport thriving throughout the world. Ex professional league player Sam Rico has brought the game to Qatar. With 20 teams already playing against eachother, Touch Rugby is really starting to take off in Qatar. They now just need Qatar Olympic Committee backing.  

Bruce Burtch has been called the “Father of Cause Marketing” for his innovative work helping for-profit and nonprofit organizations develop win-win partnerships that maximize their strategic marketing and fund development success. He is responsible for designing the most successful cause marketing campaign on emergency preparedness in the history of the country: a partnership between Pacific Gas & Electric and the American Red Cross that raised $1Million, generated $3Million in free publicity and trained 1Million people in emergency preparedness. He is the author of the book Win-Win For the Greater Good, the first comprehensive “how-to” book on the development of partnerships between nonprofit, for-profit, education and government sectors focused on the greater good.

  Click here for the RADIO LINKS Click here for People to People Fundraising.org  Click here to Promote your Service or Organization      He lectures around the world but now is here for you. From the latest in charity news, technology, fundraising and social networking, Ted Hart and his guests help you maneuver through this economic downturn in the charitable sector to greater levels of efficiency and fundraising success. PAGE 2 GUEST EXPERT Bruce Burtch, For over 30 years Bruce has helped for-profit and nonprofit organizations develop win-win partnerships which maximize their strategic marketing and fund development success. A nationally-recognized cause marketing expert, he designed the most successful campaign on emergency preparedness in the country through a partnership between Pacific Gas & Electric and the American Red Cross, raising over $1Million, garnering over $3Million in earned media, resulting in an unprecedented 1,000,000 people being trained.