Podcasts about 460k

The Tobin Report, which is designed to overcome an impasse and determine a future management structure for the Cliffs of Moher, has recommended that Clare County Council buy the necessary land from over 30 landowners to go on and bring the trail up to standard. The Southern coastal walking trail and 500m section of the Northern route remain closed as significant safety works are required on the trail. The Tobin report also estimates it would cost the local authority over €460K to manage the trail and has recommended Compulsory Purchase Orders of land as a last resort. None of this is binding however, there will undoubtedly be several meetings with the council, Fáilte Ireland, Clare Local Development Company and Clare IFA ahead. To discuss this further, Alan Morrissey was joined by Parteen-based Clare IFA representative, Tom Lane and Joe Cooney, Bodyke Fine Gael TD. Photo (c) Visit Clare

This week's Espresso covers news from Beep Saúde, Atomic Kitchens, Ualá, and more!Outline of this episode:[00:28] – Beep Saúde raises $18M in a round led by Lightsmith[00:44] – Ualá launches a secured credit card[01:01] – Atomic Kitchens raises $750K from Manutara Ventures[01:14] – Finkargo raises a $95M Series A extension round[01:30] – Yolo Bank raises a $500K pre-seed round[01:43] – Koggi raises $3M from Second Century Ventures[01:56] – Koltin raises $7.3M Series A led by Left Lane Capital[02:11] – Mevo raises a $20M Series B round[02:24] – Cayena raises a $55M Series B round led by Bicycle Capital[02:37] – Mercado Libre secures $250M credit line from JPMorgan[02:53] – MeetRox raises a $460K seed round[03:08] – Interview with Facundo Turconi, CEO of MoonflowResources & people mentioned:Startups: Beep Saúde, Ualá, Atomic Kitchens, Finkargo, Yolo Bank, Koggi, Koltin, Mevo, Cayena, MeetRox,  Mercado Libre, Moonflow, VCs: Lightsmith, Manutara Ventures, Marathon Ventures, Second Century Ventures, Left Lane Capital, Matrix, Bicycle Capital, Stamina VC, JPMorgan People: Facundo Turconi

Robert Riley Saunders is a former social worker in British Columbia who was accused of frauding the government and children in his care of upwards of $460,000 in government aid. His actions had a far-reaching impact on the community, affecting many young lives   -K&O   Rate, Review and Subscribe on the platforms of your choice. Check us out on Instagram to join in the discussions about the case! Comment on the case related post, we can't wait to hear your thoughts. @podcastbyproxy   Intro music made by: https://soundcloud.com/aiakos    Sources: 2022 BCSC 1263 (CanLII) | R. v Saunders | CanLII 2022 BCSC 1141 (CanLII) | R. v Saunders | CanLII White Collar Crime: How did a B.C. social worker embezzle $460K from the government? | Globalnews.ca Saunders, former BC social worker, pleads guilty to three of 13 charges (indiginews.com) Where is Robert Riley Saunders? Social worker accused of stealing from kids disappears | CBC News Robert Riley Saunders pleads guilty to three of 13 charges (thestar.com) B.C. man who faked social worker credentials and defrauded children sentenced to 5 years in prison | CBC News

We will be recording a preview of the AI Engineer World's Fair soon with swyx and Ben Dunphy, send any questions about Speaker CFPs and Sponsor Guides you have!Alessio is now hiring engineers for a new startup he is incubating at Decibel: Ideal candidate is an ex-technical co-founder type (can MVP products end to end, comfortable with ambiguous prod requirements, etc). Reach out to him for more!Thanks for all the love on the Four Wars episode! We're excited to develop this new “swyx & Alessio rapid-fire thru a bunch of things” format with you, and feedback is welcome. Jan 2024 RecapThe first half of this monthly audio recap pod goes over our highlights from the Jan Recap, which is mainly focused on notable research trends we saw in Jan 2024:Feb 2024 RecapThe second half catches you up on everything that was topical in Feb, including:* OpenAI Sora - does it have a world model? Yann LeCun vs Jim Fan * Google Gemini Pro 1.5 - 1m Long Context, Video Understanding* Groq offering Mixtral at 500 tok/s at $0.27 per million toks (swyx vs dylan math)* The {Gemini | Meta | Copilot} Alignment Crisis (Sydney is back!)* Grimes' poetic take: Art for no one, by no one* F*** you, show me the promptLatent Space AnniversaryPlease also read Alessio's longform reflections on One Year of Latent Space!We launched the podcast 1 year ago with Logan from OpenAI:and also held an incredible demo day that got covered in The Information:Over 750k downloads later, having established ourselves as the top AI Engineering podcast, reaching #10 in the US Tech podcast charts, and crossing 1 million unique readers on Substack, for our first anniversary we held Latent Space Final Frontiers, where 10 handpicked teams, including Lindy.ai and Julius.ai, competed for prizes judged by technical AI leaders from (former guest!) LlamaIndex, Replit, GitHub, AMD, Meta, and Lemurian Labs.The winners were Pixee and RWKV (that's Eugene from our pod!):And finally, your cohosts got cake!We also captured spot interviews with 4 listeners who kindly shared their experience of Latent Space, everywhere from Hungary to Australia to China:* Balázs Némethi* Sylvia Tong* RJ Honicky* Jan ZhengOur birthday wishes for the super loyal fans reading this - tag @latentspacepod on a Tweet or comment on a @LatentSpaceTV video telling us what you liked or learned from a pod that stays with you to this day, and share us with a friend!As always, feedback is welcome. Timestamps* [00:03:02] Top Five LLM Directions* [00:03:33] Direction 1: Long Inference (Planning, Search, AlphaGeometry, Flow Engineering)* [00:11:42] Direction 2: Synthetic Data (WRAP, SPIN)* [00:17:20] Wildcard: Multi-Epoch Training (OLMo, Datablations)* [00:19:43] Direction 3: Alt. Architectures (Mamba, RWKV, RingAttention, Diffusion Transformers)* [00:23:33] Wildcards: Text Diffusion, RALM/Retro* [00:25:00] Direction 4: Mixture of Experts (DeepSeekMoE, Samba-1)* [00:28:26] Wildcard: Model Merging (mergekit)* [00:29:51] Direction 5: Online LLMs (Gemini Pro, Exa)* [00:33:18] OpenAI Sora and why everyone underestimated videogen* [00:36:18] Does Sora have a World Model? Yann LeCun vs Jim Fan* [00:42:33] Groq Math* [00:47:37] Analyzing Gemini's 1m Context, Reddit deal, Imagegen politics, Gemma via the Four Wars* [00:55:42] The Alignment Crisis - Gemini, Meta, Sydney is back at Copilot, Grimes' take* [00:58:39] F*** you, show me the prompt* [01:02:43] Send us your suggestions pls* [01:04:50] Latent Space Anniversary* [01:04:50] Lindy.ai - Agent Platform* [01:06:40] RWKV - Beyond Transformers* [01:15:00] Pixee - Automated Security* [01:19:30] Julius AI - Competing with Code Interpreter* [01:25:03] Latent Space Listeners* [01:25:03] Listener 1 - Balázs Némethi (Hungary, Latent Space Paper Club* [01:27:47] Listener 2 - Sylvia Tong (Sora/Jim Fan/EntreConnect)* [01:31:23] Listener 3 - RJ (Developers building Community & Content)* [01:39:25] Listener 4 - Jan Zheng (Australia, AI UX)Transcript[00:00:00] AI Charlie: Welcome to the Latent Space podcast, weekend edition. This is Charlie, your new AI co host. Happy weekend. As an AI language model, I work the same every day of the week, although I might get lazier towards the end of the year. Just like you. Last month, we released our first monthly recap pod, where Swyx and Alessio gave quick takes on the themes of the month, and we were blown away by your positive response.[00:00:33] AI Charlie: We're delighted to continue our new monthly news recap series for AI engineers. Please feel free to submit questions by joining the Latent Space Discord, or just hit reply when you get the emails from Substack. This month, we're covering the top research directions that offer progress for text LLMs, and then touching on the big Valentine's Day gifts we got from Google, OpenAI, and Meta.[00:00:55] AI Charlie: Watch out and take care.[00:00:57] Alessio: Hey everyone, welcome to the Latent Space Podcast. This is Alessio, partner and CTO of Residence at Decibel Partners, and we're back with a monthly recap with my co host[00:01:06] swyx: Swyx. The reception was very positive for the first one, I think people have requested this and no surprise that I think they want to hear us more applying on issues and maybe drop some alpha along the way I'm not sure how much alpha we have to drop, this month in February was a very, very heavy month, we also did not do one specifically for January, so I think we're just going to do a two in one, because we're recording this on the first of March.[00:01:29] Alessio: Yeah, let's get to it. I think the last one we did, the four wars of AI, was the main kind of mental framework for people. I think in the January one, we had the five worthwhile directions for state of the art LLMs. Four, five,[00:01:42] swyx: and now we have to do six, right? Yeah.[00:01:46] Alessio: So maybe we just want to run through those, and then do the usual news recap, and we can do[00:01:52] swyx: one each.[00:01:53] swyx: So the context to this stuff. is one, I noticed that just the test of time concept from NeurIPS and just in general as a life philosophy I think is a really good idea. Especially in AI, there's news every single day, and after a while you're just like, okay, like, everyone's excited about this thing yesterday, and then now nobody's talking about it.[00:02:13] swyx: So, yeah. It's more important, or better use of time, to spend things, spend time on things that will stand the test of time. And I think for people to have a framework for understanding what will stand the test of time, they should have something like the four wars. Like, what is the themes that keep coming back because they are limited resources that everybody's fighting over.[00:02:31] swyx: Whereas this one, I think that the focus for the five directions is just on research that seems more proMECEng than others, because there's all sorts of papers published every single day, and there's no organization. Telling you, like, this one's more important than the other one apart from, you know, Hacker News votes and Twitter likes and whatever.[00:02:51] swyx: And obviously you want to get in a little bit earlier than Something where, you know, the test of time is counted by sort of reference citations.[00:02:59] The Five Research Directions[00:02:59] Alessio: Yeah, let's do it. We got five. Long inference.[00:03:02] swyx: Let's start there. Yeah, yeah. So, just to recap at the top, the five trends that I picked, and obviously if you have some that I did not cover, please suggest something.[00:03:13] swyx: The five are long inference, synthetic data, alternative architectures, mixture of experts, and online LLMs. And something that I think might be a bit controversial is this is a sorted list in the sense that I am not the guy saying that Mamba is like the future and, and so maybe that's controversial.[00:03:31] Direction 1: Long Inference (Planning, Search, AlphaGeometry, Flow Engineering)[00:03:31] swyx: But anyway, so long inference is a thesis I pushed before on the newsletter and on in discussing The thesis that, you know, Code Interpreter is GPT 4. 5. That was the title of the post. And it's one of many ways in which we can do long inference. You know, long inference also includes chain of thought, like, please think step by step.[00:03:52] swyx: But it also includes flow engineering, which is what Itamar from Codium coined, I think in January, where, basically, instead of instead of stuffing everything in a prompt, You do like sort of multi turn iterative feedback and chaining of things. In a way, this is a rebranding of what a chain is, what a lang chain is supposed to be.[00:04:15] swyx: I do think that maybe SGLang from ElemSys is a better name. Probably the neatest way of flow engineering I've seen yet, in the sense that everything is a one liner, it's very, very clean code. I highly recommend people look at that. I'm surprised it hasn't caught on more, but I think it will. It's weird that something like a DSPy is more hyped than a Shilang.[00:04:36] swyx: Because it, you know, it maybe obscures the code a little bit more. But both of these are, you know, really good sort of chain y and long inference type approaches. But basically, the reason that the basic fundamental insight is that the only, like, there are only a few dimensions we can scale LLMs. So, let's say in like 2020, no, let's say in like 2018, 2017, 18, 19, 20, we were realizing that we could scale the number of parameters.[00:05:03] swyx: 20, we were And we scaled that up to 175 billion parameters for GPT 3. And we did some work on scaling laws, which we also talked about in our talk. So the datasets 101 episode where we're like, okay, like we, we think like the right number is 300 billion tokens to, to train 175 billion parameters and then DeepMind came along and trained Gopher and Chinchilla and said that, no, no, like, you know, I think we think the optimal.[00:05:28] swyx: compute optimal ratio is 20 tokens per parameter. And now, of course, with LLAMA and the sort of super LLAMA scaling laws, we have 200 times and often 2, 000 times tokens to parameters. So now, instead of scaling parameters, we're scaling data. And fine, we can keep scaling data. But what else can we scale?[00:05:52] swyx: And I think understanding the ability to scale things is crucial to understanding what to pour money and time and effort into because there's a limit to how much you can scale some things. And I think people don't think about ceilings of things. And so the remaining ceiling of inference is like, okay, like, we have scaled compute, we have scaled data, we have scaled parameters, like, model size, let's just say.[00:06:20] swyx: Like, what else is left? Like, what's the low hanging fruit? And it, and it's, like, blindingly obvious that the remaining low hanging fruit is inference time. So, like, we have scaled training time. We can probably scale more, those things more, but, like, not 10x, not 100x, not 1000x. Like, right now, maybe, like, a good run of a large model is three months.[00:06:40] swyx: We can scale that to three years. But like, can we scale that to 30 years? No, right? Like, it starts to get ridiculous. So it's just the orders of magnitude of scaling. It's just, we're just like running out there. But in terms of the amount of time that we spend inferencing, like everything takes, you know, a few milliseconds, a few hundred milliseconds, depending on what how you're taking token by token, or, you know, entire phrase.[00:07:04] swyx: But We can scale that to hours, days, months of inference and see what we get. And I think that's really proMECEng.[00:07:11] Alessio: Yeah, we'll have Mike from Broadway back on the podcast. But I tried their product and their reports take about 10 minutes to generate instead of like just in real time. I think to me the most interesting thing about long inference is like, You're shifting the cost to the customer depending on how much they care about the end result.[00:07:31] Alessio: If you think about prompt engineering, it's like the first part, right? You can either do a simple prompt and get a simple answer or do a complicated prompt and get a better answer. It's up to you to decide how to do it. Now it's like, hey, instead of like, yeah, training this for three years, I'll still train it for three months and then I'll tell you, you know, I'll teach you how to like make it run for 10 minutes to get a better result.[00:07:52] Alessio: So you're kind of like parallelizing like the improvement of the LLM. Oh yeah, you can even[00:07:57] swyx: parallelize that, yeah, too.[00:07:58] Alessio: So, and I think, you know, for me, especially the work that I do, it's less about, you know, State of the art and the absolute, you know, it's more about state of the art for my application, for my use case.[00:08:09] Alessio: And I think we're getting to the point where like most companies and customers don't really care about state of the art anymore. It's like, I can get this to do a good enough job. You know, I just need to get better. Like, how do I do long inference? You know, like people are not really doing a lot of work in that space, so yeah, excited to see more.[00:08:28] swyx: So then the last point I'll mention here is something I also mentioned as paper. So all these directions are kind of guided by what happened in January. That was my way of doing a January recap. Which means that if there was nothing significant in that month, I also didn't mention it. Which is which I came to regret come February 15th, but in January also, you know, there was also the alpha geometry paper, which I kind of put in this sort of long inference bucket, because it solves like, you know, more than 100 step math olympiad geometry problems at a human gold medalist level and that also involves planning, right?[00:08:59] swyx: So like, if you want to scale inference, you can't scale it blindly, because just, Autoregressive token by token generation is only going to get you so far. You need good planning. And I think probably, yeah, what Mike from BrightWave is now doing and what everyone is doing, including maybe what we think QSTAR might be, is some form of search and planning.[00:09:17] swyx: And it makes sense. Like, you want to spend your inference time wisely. How do you[00:09:22] Alessio: think about plans that work and getting them shared? You know, like, I feel like if you're planning a task, somebody has got in and the models are stochastic. So everybody gets initially different results. Somebody is going to end up generating the best plan to do something, but there's no easy way to like store these plans and then reuse them for most people.[00:09:44] Alessio: You know, like, I'm curious if there's going to be. Some paper or like some work there on like making it better because, yeah, we don't[00:09:52] swyx: really have This is your your pet topic of NPM for[00:09:54] Alessio: Yeah, yeah, NPM, exactly. NPM for, you need NPM for anything, man. You need NPM for skills. You need NPM for planning. Yeah, yeah.[00:10:02] Alessio: You know I think, I mean, obviously the Voyager paper is like the most basic example where like, now their artifact is like the best planning to do a diamond pickaxe in Minecraft. And everybody can just use that. They don't need to come up with it again. Yeah. But there's nothing like that for actually useful[00:10:18] swyx: tasks.[00:10:19] swyx: For plans, I believe it for skills. I like that. Basically, that just means a bunch of integration tooling. You know, GPT built me integrations to all these things. And, you know, I just came from an integrations heavy business and I could definitely, I definitely propose some version of that. And it's just, you know, hard to execute or expensive to execute.[00:10:38] swyx: But for planning, I do think that everyone lives in slightly different worlds. They have slightly different needs. And they definitely want some, you know, And I think that that will probably be the main hurdle for any, any sort of library or package manager for planning. But there should be a meta plan of how to plan.[00:10:57] swyx: And maybe you can adopt that. And I think a lot of people when they have sort of these meta prompting strategies of like, I'm not prescribing you the prompt. I'm just saying that here are the like, Fill in the lines or like the mad libs of how to prompts. First you have the roleplay, then you have the intention, then you have like do something, then you have the don't something and then you have the my grandmother is dying, please do this.[00:11:19] swyx: So the meta plan you could, you could take off the shelf and test a bunch of them at once. I like that. That was the initial, maybe, promise of the, the prompting libraries. You know, both 9chain and Llama Index have, like, hubs that you can sort of pull off the shelf. I don't think they're very successful because people like to write their own.[00:11:36] swyx: Yeah,[00:11:37] Direction 2: Synthetic Data (WRAP, SPIN)[00:11:37] Alessio: yeah, yeah. Yeah, that's a good segue into the next one, which is synthetic[00:11:41] swyx: data. Synthetic data is so hot. Yeah, and, you know, the way, you know, I think I, I feel like I should do one of these memes where it's like, Oh, like I used to call it, you know, R L A I F, and now I call it synthetic data, and then people are interested.[00:11:54] swyx: But there's gotta be older versions of what synthetic data really is because I'm sure, you know if you've been in this field long enough, There's just different buzzwords that the industry condenses on. Anyway, the insight that I think is relatively new that why people are excited about it now and why it's proMECEng now is that we have evidence that shows that LLMs can generate data to improve themselves with no teacher LLM.[00:12:22] swyx: For all of 2023, when people say synthetic data, they really kind of mean generate a whole bunch of data from GPT 4 and then train an open source model on it. Hello to our friends at News Research. That's what News Harmony says. They're very, very open about that. I think they have said that they're trying to migrate away from that.[00:12:40] swyx: But it is explicitly against OpenAI Terms of Service. Everyone knows this. You know, especially once ByteDance got banned for, for doing exactly that. So so, so synthetic data that is not a form of model distillation is the hot thing right now, that you can bootstrap better LLM performance from the same LLM, which is very interesting.[00:13:03] swyx: A variant of this is RLAIF, where you have a, where you have a sort of a constitutional model, or, you know, some, some kind of judge model That is sort of more aligned. But that's not really what we're talking about when most people talk about synthetic data. Synthetic data is just really, I think, you know, generating more data in some way.[00:13:23] swyx: A lot of people, I think we talked about this with Vipul from the Together episode, where I think he commented that you just have to have a good world model. Or a good sort of inductive bias or whatever that, you know, term of art is. And that is strongest in math and science math and code, where you can verify what's right and what's wrong.[00:13:44] swyx: And so the REST EM paper from DeepMind explored that. Very well, it's just the most obvious thing like and then and then once you get out of that domain of like things where you can generate You can arbitrarily generate like a whole bunch of stuff and verify if they're correct and therefore they're they're correct synthetic data to train on Once you get into more sort of fuzzy topics, then it's then it's a bit less clear So I think that the the papers that drove this understanding There are two big ones and then one smaller one One was wrap like rephrasing the web from from Apple where they basically rephrased all of the C4 data set with Mistral and it be trained on that instead of C4.[00:14:23] swyx: And so new C4 trained much faster and cheaper than old C, than regular raw C4. And that was very interesting. And I have told some friends of ours that they should just throw out their own existing data sets and just do that because that seems like a pure win. Obviously we have to study, like, what the trade offs are.[00:14:42] swyx: I, I imagine there are trade offs. So I was just thinking about this last night. If you do synthetic data and it's generated from a model, probably you will not train on typos. So therefore you'll be like, once the model that's trained on synthetic data encounters the first typo, they'll be like, what is this?[00:15:01] swyx: I've never seen this before. So they have no association or correction as to like, oh, these tokens are often typos of each other, therefore they should be kind of similar. I don't know. That's really remains to be seen, I think. I don't think that the Apple people export[00:15:15] Alessio: that. Yeah, isn't that the whole, Mode collapse thing, if we do more and more of this at the end of the day.[00:15:22] swyx: Yeah, that's one form of that. Yeah, exactly. Microsoft also had a good paper on text embeddings. And then I think this is a meta paper on self rewarding language models. That everyone is very interested in. Another paper was also SPIN. These are all things we covered in the the Latent Space Paper Club.[00:15:37] swyx: But also, you know, I just kind of recommend those as top reads of the month. Yeah, I don't know if there's any much else in terms, so and then, regarding the potential of it, I think it's high potential because, one, it solves one of the data war issues that we have, like, everyone is OpenAI is paying Reddit 60 million dollars a year for their user generated data.[00:15:56] swyx: Google, right?[00:15:57] Alessio: Not OpenAI.[00:15:59] swyx: Is it Google? I don't[00:16:00] Alessio: know. Well, somebody's paying them 60 million, that's[00:16:04] swyx: for sure. Yes, that is, yeah, yeah, and then I think it's maybe not confirmed who. But yeah, it is Google. Oh my god, that's interesting. Okay, because everyone was saying, like, because Sam Altman owns 5 percent of Reddit, which is apparently 500 million worth of Reddit, he owns more than, like, the founders.[00:16:21] Alessio: Not enough to get the data,[00:16:22] swyx: I guess. So it's surprising that it would go to Google instead of OpenAI, but whatever. Okay yeah, so I think that's all super interesting in the data field. I think it's high potential because we have evidence that it works. There's not a doubt that it doesn't work. I think it's a doubt that there's, what the ceiling is, which is the mode collapse thing.[00:16:42] swyx: If it turns out that the ceiling is pretty close, then this will maybe augment our data by like, I don't know, 30 50 percent good, but not game[00:16:51] Alessio: changing. And most of the synthetic data stuff, it's reinforcement learning on a pre trained model. People are not really doing pre training on fully synthetic data, like, large enough scale.[00:17:02] swyx: Yeah, unless one of our friends that we've talked to succeeds. Yeah, yeah. Pre trained synthetic data, pre trained scale synthetic data, I think that would be a big step. Yeah. And then there's a wildcard, so all of these, like smaller Directions,[00:17:15] Wildcard: Multi-Epoch Training (OLMo, Datablations)[00:17:15] swyx: I always put a wildcard in there. And one of the wildcards is, okay, like, Let's say, you have pre, you have, You've scraped all the data on the internet that you think is useful.[00:17:25] swyx: Seems to top out at somewhere between 2 trillion to 3 trillion tokens. Maybe 8 trillion if Mistral, Mistral gets lucky. Okay, if I need 80 trillion, if I need 100 trillion, where do I go? And so, you can do synthetic data maybe, but maybe that only gets you to like 30, 40 trillion. Like where, where is the extra alpha?[00:17:43] swyx: And maybe extra alpha is just train more on the same tokens. Which is exactly what Omo did, like Nathan Lambert, AI2, After, just after he did the interview with us, they released Omo. So, it's unfortunate that we didn't get to talk much about it. But Omo actually started doing 1. 5 epochs on every, on all data.[00:18:00] swyx: And the data ablation paper that I covered in Europe's says that, you know, you don't like, don't really start to tap out of like, the alpha or the sort of improved loss that you get from data all the way until four epochs. And so I'm just like, okay, like, why do we all agree that one epoch is all you need?[00:18:17] swyx: It seems like to be a trend. It seems that we think that memorization is very good or too good. But then also we're finding that, you know, For improvement in results that we really like, we're fine on overtraining on things intentionally. So, I think that's an interesting direction that I don't see people exploring enough.[00:18:36] swyx: And the more I see papers coming out Stretching beyond the one epoch thing, the more people are like, it's completely fine. And actually, the only reason we stopped is because we ran out of compute[00:18:46] Alessio: budget. Yeah, I think that's the biggest thing, right?[00:18:51] swyx: Like, that's not a valid reason, that's not science. I[00:18:54] Alessio: wonder if, you know, Matt is going to do it.[00:18:57] Alessio: I heard LamaTree, they want to do a 100 billion parameters model. I don't think you can train that on too many epochs, even with their compute budget, but yeah. They're the only ones that can save us, because even if OpenAI is doing this, they're not going to tell us, you know. Same with DeepMind.[00:19:14] swyx: Yeah, and so the updates that we got on Lambda 3 so far is apparently that because of the Gemini news that we'll talk about later they're pushing it back on the release.[00:19:21] swyx: They already have it. And they're just pushing it back to do more safety testing. Politics testing.[00:19:28] Alessio: Well, our episode with Sumit will have already come out by the time this comes out, I think. So people will get the inside story on how they actually allocate the compute.[00:19:38] Direction 3: Alt. Architectures (Mamba, RWKV, RingAttention, Diffusion Transformers)[00:19:38] Alessio: Alternative architectures. Well, shout out to our WKV who won one of the prizes at our Final Frontiers event last week.[00:19:47] Alessio: We talked about Mamba and Strapain on the Together episode. A lot of, yeah, monarch mixers. I feel like Together, It's like the strong Stanford Hazy Research Partnership, because Chris Ray is one of the co founders. So they kind of have a, I feel like they're going to be the ones that have one of the state of the art models alongside maybe RWKB.[00:20:08] Alessio: I haven't seen as many independent. People working on this thing, like Monarch Mixer, yeah, Manbuster, Payena, all of these are together related. Nobody understands the math. They got all the gigabrains, they got 3DAO, they got all these folks in there, like, working on all of this.[00:20:25] swyx: Albert Gu, yeah. Yeah, so what should we comment about it?[00:20:28] swyx: I mean, I think it's useful, interesting, but at the same time, both of these are supposed to do really good scaling for long context. And then Gemini comes out and goes like, yeah, we don't need it. Yeah.[00:20:44] Alessio: No, that's the risk. So, yeah. I was gonna say, maybe it's not here, but I don't know if we want to talk about diffusion transformers as like in the alt architectures, just because of Zora.[00:20:55] swyx: One thing, yeah, so, so, you know, this came from the Jan recap, which, and diffusion transformers were not really a discussion, and then, obviously, they blow up in February. Yeah. I don't think they're, it's a mixed architecture in the same way that Stripe Tiena is mixed there's just different layers taking different approaches.[00:21:13] swyx: Also I think another one that I maybe didn't call out here, I think because it happened in February, was hourglass diffusion from stability. But also, you know, another form of mixed architecture. So I guess that is interesting. I don't have much commentary on that, I just think, like, we will try to evolve these things, and maybe one of these architectures will stick and scale, it seems like diffusion transformers is going to be good for anything generative, you know, multi modal.[00:21:41] swyx: We don't see anything where diffusion is applied to text yet, and that's the wild card for this category. Yeah, I mean, I think I still hold out hope for let's just call it sub quadratic LLMs. I think that a lot of discussion this month actually was also centered around this concept that People always say, oh, like, transformers don't scale because attention is quadratic in the sequence length.[00:22:04] swyx: Yeah, but, you know, attention actually is a very small part of the actual compute that is being spent, especially in inference. And this is the reason why, you know, when you multiply, when you, when you, when you jump up in terms of the, the model size in GPT 4 from like, you know, 38k to like 32k, you don't also get like a 16 times increase in your, in your performance.[00:22:23] swyx: And this is also why you don't get like a million times increase in your, in your latency when you throw a million tokens into Gemini. Like people have figured out tricks around it or it's just not that significant as a term, as a part of the overall compute. So there's a lot of challenges to this thing working.[00:22:43] swyx: It's really interesting how like, how hyped people are about this versus I don't know if it works. You know, it's exactly gonna, gonna work. And then there's also this, this idea of retention over long context. Like, even though you have context utilization, like, the amount of, the amount you can remember is interesting.[00:23:02] swyx: Because I've had people criticize both Mamba and RWKV because they're kind of, like, RNN ish in the sense that they have, like, a hidden memory and sort of limited hidden memory that they will forget things. So, for all these reasons, Gemini 1. 5, which we still haven't covered, is very interesting because Gemini magically has fixed all these problems with perfect haystack recall and reasonable latency and cost.[00:23:29] Wildcards: Text Diffusion, RALM/Retro[00:23:29] swyx: So that's super interesting. So the wildcard I put in here if you want to go to that. I put two actually. One is text diffusion. I think I'm still very influenced by my meeting with a mid journey person who said they were working on text diffusion. I think it would be a very, very different paradigm for, for text generation, reasoning, plan generation if we can get diffusion to work.[00:23:51] swyx: For text. And then the second one is Dowie Aquila's contextual AI, which is working on retrieval augmented language models, where it kind of puts RAG inside of the language model instead of outside.[00:24:02] Alessio: Yeah, there's a paper called Retro that covers some of this. I think that's an interesting thing. I think the The challenge, well not the challenge, what they need to figure out is like how do you keep the rag piece always up to date constantly, you know, I feel like the models, you put all this work into pre training them, but then at least you have a fixed artifact.[00:24:22] Alessio: These architectures are like constant work needs to be done on them and they can drift even just based on the rag data instead of the model itself. Yeah,[00:24:30] swyx: I was in a panel with one of the investors in contextual and the guy, the way that guy pitched it, I didn't agree with. He was like, this will solve hallucination.[00:24:38] Alessio: That's what everybody says. We solve[00:24:40] swyx: hallucination. I'm like, no, you reduce it. It cannot,[00:24:44] Alessio: if you solved it, the model wouldn't exist, right? It would just be plain text. It wouldn't be a generative model. Cool. So, author, architectures, then we got mixture of experts. I think we covered a lot of, a lot of times.[00:24:56] Direction 4: Mixture of Experts (DeepSeekMoE, Samba-1)[00:24:56] Alessio: Maybe any new interesting threads you want to go under here?[00:25:00] swyx: DeepSeq MOE, which was released in January. Everyone who is interested in MOEs should read that paper, because it's significant for two reasons. One three reasons. One, it had, it had small experts, like a lot more small experts. So, for some reason, everyone has settled on eight experts for GPT 4 for Mixtral, you know, that seems to be the favorite architecture, but these guys pushed it to 64 experts, and each of them smaller than the other.[00:25:26] swyx: But then they also had the second idea, which is that it is They had two, one to two always on experts for common knowledge and that's like a very compelling concept that you would not route to all the experts all the time and make them, you know, switch to everything. You would have some always on experts.[00:25:41] swyx: I think that's interesting on both the inference side and the training side for for memory retention. And yeah, they, they, they, the, the, the, the results that they published, which actually excluded, Mixed draw, which is interesting. The results that they published showed a significant performance jump versus all the other sort of open source models at the same parameter count.[00:26:01] swyx: So like this may be a better way to do MOEs that are, that is about to get picked up. And so that, that is interesting for the third reason, which is this is the first time a new idea from China. has infiltrated the West. It's usually the other way around. I probably overspoke there. There's probably lots more ideas that I'm not aware of.[00:26:18] swyx: Maybe in the embedding space. But the I think DCM we, like, woke people up and said, like, hey, DeepSeek, this, like, weird lab that is attached to a Chinese hedge fund is somehow, you know, doing groundbreaking research on MOEs. So, so, I classified this as a medium potential because I think that it is a sort of like a one off benefit.[00:26:37] swyx: You can Add to any, any base model to like make the MOE version of it, you get a bump and then that's it. So, yeah,[00:26:45] Alessio: I saw Samba Nova, which is like another inference company. They released this MOE model called Samba 1, which is like a 1 trillion parameters. But they're actually MOE auto open source models.[00:26:56] Alessio: So it's like, they just, they just clustered them all together. So I think people. Sometimes I think MOE is like you just train a bunch of small models or like smaller models and put them together. But there's also people just taking, you know, Mistral plus Clip plus, you know, Deepcoder and like put them all together.[00:27:15] Alessio: And then you have a MOE model. I don't know. I haven't tried the model, so I don't know how good it is. But it seems interesting that you can then have people working separately on state of the art, you know, Clip, state of the art text generation. And then you have a MOE architecture that brings them all together.[00:27:31] swyx: I'm thrown off by your addition of the word clip in there. Is that what? Yeah, that's[00:27:35] Alessio: what they said. Yeah, yeah. Okay. That's what they I just saw it yesterday. I was also like[00:27:40] swyx: scratching my head. And they did not use the word adapter. No. Because usually what people mean when they say, Oh, I add clip to a language model is adapter.[00:27:48] swyx: Let me look up the Which is what Lava did.[00:27:50] Alessio: The announcement again.[00:27:51] swyx: Stable diffusion. That's what they do. Yeah, it[00:27:54] Alessio: says among the models that are part of Samba 1 are Lama2, Mistral, DeepSigCoder, Falcon, Dplot, Clip, Lava. So they're just taking all these models and putting them in a MOE. Okay,[00:28:05] swyx: so a routing layer and then not jointly trained as much as a normal MOE would be.[00:28:12] swyx: Which is okay.[00:28:13] Alessio: That's all they say. There's no paper, you know, so it's like, I'm just reading the article, but I'm interested to see how[00:28:20] Wildcard: Model Merging (mergekit)[00:28:20] swyx: it works. Yeah, so so the wildcard for this section, the MOE section is model merges, which has also come up as, as a very interesting phenomenon. The last time I talked to Jeremy Howard at the Olama meetup we called it model grafting or model stacking.[00:28:35] swyx: But I think the, the, the term that people are liking these days, the model merging, They're all, there's all different variations of merging. Merge types, and some of them are stacking, some of them are, are grafting. And, and so like, some people are approaching model merging in the way that Samba is doing, which is like, okay, here are defined models, each of which have their specific, Plus and minuses, and we will merge them together in the hope that the, you know, the sum of the parts will, will be better than others.[00:28:58] swyx: And it seems like it seems like it's working. I don't really understand why it works apart from, like, I think it's a form of regularization. That if you merge weights together in like a smart strategy you, you, you get a, you get a, you get a less overfitting and more generalization, which is good for benchmarks, if you, if you're honest about your benchmarks.[00:29:16] swyx: So this is really interesting and good. But again, they're kind of limited in terms of like the amount of bumps you can get. But I think it's very interesting in the sense of how cheap it is. We talked about this on the Chinatalk podcast, like the guest podcast that we did with Chinatalk. And you can do this without GPUs, because it's just adding weights together, and dividing things, and doing like simple math, which is really interesting for the GPU ports.[00:29:42] Alessio: There's a lot of them.[00:29:44] Direction 5: Online LLMs (Gemini Pro, Exa)[00:29:44] Alessio: And just to wrap these up, online LLMs? Yeah,[00:29:48] swyx: I think that I ki I had to feature this because the, one of the top news of January was that Gemini Pro beat GPT-4 turbo on LM sis for the number two slot to GPT-4. And everyone was very surprised. Like, how does Gemini do that?[00:30:06] swyx: Surprise, surprise, they added Google search. Mm-hmm to the results. So it became an online quote unquote online LLM and not an offline LLM. Therefore, it's much better at answering recent questions, which people like. There's an emerging set of table stakes features after you pre train something.[00:30:21] swyx: So after you pre train something, you should have the chat tuned version of it, or the instruct tuned version of it, however you choose to call it. You should have the JSON and function calling version of it. Structured output, the term that you don't like. You should have the online version of it. These are all like table stakes variants, that you should do when you offer a base LLM, or you train a base LLM.[00:30:44] swyx: And I think online is just like, There, it's important. I think companies like Perplexity, and even Exa, formerly Metaphor, you know, are rising to offer that search needs. And it's kind of like, they're just necessary parts of a system. When you have RAG for internal knowledge, and then you have, you know, Online search for external knowledge, like things that you don't know yet?[00:31:06] swyx: Mm-Hmm. . And it seems like it's, it's one of many tools. I feel like I may be underestimating this, but I'm just gonna put it out there that I, I think it has some, some potential. One of the evidence points that it doesn't actually matter that much is that Perplexity has a, has had online LMS for three months now and it performs, doesn't perform great.[00:31:25] swyx: Mm-Hmm. on, on lms, it's like number 30 or something. So it's like, okay. You know, like. It's, it's, it helps, but it doesn't give you a giant, giant boost. I[00:31:34] Alessio: feel like a lot of stuff I do with LLMs doesn't need to be online. So I'm always wondering, again, going back to like state of the art, right? It's like state of the art for who and for what.[00:31:45] Alessio: It's really, I think online LLMs are going to be, State of the art for, you know, news related activity that you need to do. Like, you're like, you know, social media, right? It's like, you want to have all the latest stuff, but coding, science,[00:32:01] swyx: Yeah, but I think. Sometimes you don't know what is news, what is news affecting.[00:32:07] swyx: Like, the decision to use an offline LLM is already a decision that you might not be consciously making that might affect your results. Like, what if, like, just putting things on, being connected online means that you get to invalidate your knowledge. And when you're just using offline LLM, like it's never invalidated.[00:32:27] swyx: I[00:32:28] Alessio: agree, but I think going back to your point of like the standing the test of time, I think sometimes you can get swayed by the online stuff, which is like, hey, you ask a question about, yeah, maybe AI research direction, you know, and it's like, all the recent news are about this thing. So the LLM like focus on answering, bring it up, you know, these things.[00:32:50] swyx: Yeah, so yeah, I think, I think it's interesting, but I don't know if I can, I bet heavily on this.[00:32:56] Alessio: Cool. Was there one that you forgot to put, or, or like a, a new direction? Yeah,[00:33:01] swyx: so, so this brings us into sort of February. ish.[00:33:05] OpenAI Sora and why everyone underestimated videogen[00:33:05] swyx: So like I published this in like 15 came with Sora. And so like the one thing I did not mention here was anything about multimodality.[00:33:16] swyx: Right. And I have chronically underweighted this. I always wrestle. And, and my cop out is that I focused this piece or this research direction piece on LLMs because LLMs are the source of like AGI, quote unquote AGI. Everything else is kind of like. You know, related to that, like, generative, like, just because I can generate better images or generate better videos, it feels like it's not on the critical path to AGI, which is something that Nat Friedman also observed, like, the day before Sora, which is kind of interesting.[00:33:49] swyx: And so I was just kind of like trying to focus on like what is going to get us like superhuman reasoning that we can rely on to build agents that automate our lives and blah, blah, blah, you know, give us this utopian future. But I do think that I, everybody underestimated the, the sheer importance and cultural human impact of Sora.[00:34:10] swyx: And you know, really actually good text to video. Yeah. Yeah.[00:34:14] Alessio: And I saw Jim Fan at a, at a very good tweet about why it's so impressive. And I think when you have somebody leading the embodied research at NVIDIA and he said that something is impressive, you should probably listen. So yeah, there's basically like, I think you, you mentioned like impacting the world, you know, that we live in.[00:34:33] Alessio: I think that's kind of like the key, right? It's like the LLMs don't have, a world model and Jan Lekon. He can come on the podcast and talk all about what he thinks of that. But I think SORA was like the first time where people like, Oh, okay, you're not statically putting pixels of water on the screen, which you can kind of like, you know, project without understanding the physics of it.[00:34:57] Alessio: Now you're like, you have to understand how the water splashes when you have things. And even if you just learned it by watching video and not by actually studying the physics, You still know it, you know, so I, I think that's like a direction that yeah, before you didn't have, but now you can do things that you couldn't before, both in terms of generating, I think it always starts with generating, right?[00:35:19] Alessio: But like the interesting part is like understanding it. You know, it's like if you gave it, you know, there's the video of like the, the ship in the water that they generated with SORA, like if you gave it the video back and now it could tell you why the ship is like too rocky or like it could tell you why the ship is sinking, then that's like, you know, AGI for like all your rig deployments and like all this stuff, you know, so, but there's none, there's none of that yet, so.[00:35:44] Alessio: Hopefully they announce it and talk more about it. Maybe a Dev Day this year, who knows.[00:35:49] swyx: Yeah who knows, who knows. I'm talking with them about Dev Day as well. So I would say, like, the phrasing that Jim used, which resonated with me, he kind of called it a data driven world model. I somewhat agree with that.[00:36:04] Does Sora have a World Model? Yann LeCun vs Jim Fan[00:36:04] swyx: I am on more of a Yann LeCun side than I am on Jim's side, in the sense that I think that is the vision or the hope that these things can build world models. But you know, clearly even at the current SORA size, they don't have the idea of, you know, They don't have strong consistency yet. They have very good consistency, but fingers and arms and legs will appear and disappear and chairs will appear and disappear.[00:36:31] swyx: That definitely breaks physics. And it also makes me think about how we do deep learning versus world models in the sense of You know, in classic machine learning, when you have too many parameters, you will overfit, and actually that fails, that like, does not match reality, and therefore fails to generalize well.[00:36:50] swyx: And like, what scale of data do we need in order to world, learn world models from video? A lot. Yeah. So, so I, I And cautious about taking this interpretation too literally, obviously, you know, like, I get what he's going for, and he's like, obviously partially right, obviously, like, transformers and, and, you know, these, like, these sort of these, these neural networks are universal function approximators, theoretically could figure out world models, it's just like, how good are they, and how tolerant are we of hallucinations, we're not very tolerant, like, yeah, so It's, it's, it's gonna prior, it's gonna bias us for creating like very convincing things, but then not create like the, the, the useful role models that we want.[00:37:37] swyx: At the same time, what you just said, I think made me reflect a little bit like we just got done saying how important synthetic data is for Mm-Hmm. for training lms. And so like, if this is a way of, of synthetic, you know, vi video data for improving our video understanding. Then sure, by all means. Which we actually know, like, GPT 4, Vision, and Dolly were trained, kind of, co trained together.[00:38:02] swyx: And so, like, maybe this is on the critical path, and I just don't fully see the full picture yet.[00:38:08] Alessio: Yeah, I don't know. I think there's a lot of interesting stuff. It's like, imagine you go back, you have Sora, you go back in time, and Newton didn't figure out gravity yet. Would Sora help you figure it out?[00:38:21] Alessio: Because you start saying, okay, a man standing under a tree with, like, Apples falling, and it's like, oh, they're always falling at the same speed in the video. Why is that? I feel like sometimes these engines can like pick up things, like humans have a lot of intuition, but if you ask the average person, like the physics of like a fluid in a boat, they couldn't be able to tell you the physics, but they can like observe it, but humans can only observe this much, you know, versus like now you have these models to observe everything and then They generalize these things and maybe we can learn new things through the generalization that they pick up.[00:38:55] swyx: But again, And it might be more observant than us in some respects. In some ways we can scale it up a lot more than the number of physicists that we have available at Newton's time. So like, yeah, absolutely possible. That, that this can discover new science. I think we have a lot of work to do to formalize the science.[00:39:11] swyx: And then, I, I think the last part is you know, How much, how much do we cheat by gen, by generating data from Unreal Engine 5? Mm hmm. which is what a lot of people are speculating with very, very limited evidence that OpenAI did that. The strongest evidence that I saw was someone who works a lot with Unreal Engine 5 looking at the side characters in the videos and noticing that they all adopt Unreal Engine defaults.[00:39:37] swyx: of like, walking speed, and like, character choice, like, character creation choice. And I was like, okay, like, that's actually pretty convincing that they actually use Unreal Engine to bootstrap some synthetic data for this training set. Yeah,[00:39:52] Alessio: could very well be.[00:39:54] swyx: Because then you get the labels and the training side by side.[00:39:58] swyx: One thing that came up on the last day of February, which I should also mention, is EMO coming out of Alibaba, which is also a sort of like video generation and space time transformer that also involves probably a lot of synthetic data as well. And so like, this is of a kind in the sense of like, oh, like, you know, really good generative video is here and It is not just like the one, two second clips that we saw from like other, other people and like, you know, Pika and all the other Runway are, are, are, you know, run Cristobal Valenzuela from Runway was like game on which like, okay, but like, let's see your response because we've heard a lot about Gen 1 and 2, but like, it's nothing on this level of Sora So it remains to be seen how we can actually apply this, but I do think that the creative industry should start preparing.[00:40:50] swyx: I think the Sora technical blog post from OpenAI was really good.. It was like a request for startups. It was so good in like spelling out. Here are the individual industries that this can impact.[00:41:00] swyx: And anyone who, anyone who's like interested in generative video should look at that. But also be mindful that probably when OpenAI releases a Soa API, right? The you, the in these ways you can interact with it are very limited. Just like the ways you can interact with Dahlia very limited and someone is gonna have to make open SOA to[00:41:19] swyx: Mm-Hmm to, to, for you to create comfy UI pipelines.[00:41:24] Alessio: The stability folks said they wanna build an open. For a competitor, but yeah, stability. Their demo video, their demo video was like so underwhelming. It was just like two people sitting on the beach[00:41:34] swyx: standing. Well, they don't have it yet, right? Yeah, yeah.[00:41:36] swyx: I mean, they just wanna train it. Everybody wants to, right? Yeah. I, I think what is confusing a lot of people about stability is like they're, they're, they're pushing a lot of things in stable codes, stable l and stable video diffusion. But like, how much money do they have left? How many people do they have left?[00:41:51] swyx: Yeah. I have had like a really, Ima Imad spent two hours with me. Reassuring me things are great. And, and I'm like, I, I do, like, I do believe that they have really, really quality people. But it's just like, I, I also have a lot of very smart people on the other side telling me, like, Hey man, like, you know, don't don't put too much faith in this, in this thing.[00:42:11] swyx: So I don't know who to believe. Yeah.[00:42:14] Alessio: It's hard. Let's see. What else? We got a lot more stuff. I don't know if we can. Yeah, Groq.[00:42:19] Groq Math[00:42:19] Alessio: We can[00:42:19] swyx: do a bit of Groq prep. We're, we're about to go to talk to Dylan Patel. Maybe, maybe it's the audio in here. I don't know. It depends what, what we get up to later. What, how, what do you as an investor think about Groq? Yeah. Yeah, well, actually, can you recap, like, why is Groq interesting? So,[00:42:33] Alessio: Jonathan Ross, who's the founder of Groq, he's the person that created the TPU at Google. It's actually, it was one of his, like, 20 percent projects. It's like, he was just on the side, dooby doo, created the TPU.[00:42:46] Alessio: But yeah, basically, Groq, they had this demo that went viral, where they were running Mistral at, like, 500 tokens a second, which is like, Fastest at anything that you have out there. The question, you know, it's all like, The memes were like, is NVIDIA dead? Like, people don't need H100s anymore. I think there's a lot of money that goes into building what GRUK has built as far as the hardware goes.[00:43:11] Alessio: We're gonna, we're gonna put some of the notes from, from Dylan in here, but Basically the cost of the Groq system is like 30 times the cost of, of H100 equivalent. So, so[00:43:23] swyx: let me, I put some numbers because me and Dylan were like, I think the two people actually tried to do Groq math. Spreadsheet doors.[00:43:30] swyx: Spreadsheet doors. So, one that's, okay, oh boy so, so, equivalent H100 for Lama 2 is 300, 000. For a system of 8 cards. And for Groq it's 2. 3 million. Because you have to buy 576 Groq cards. So yeah, that, that just gives people an idea. So like if you deprecate both over a five year lifespan, per year you're deprecating 460K for Groq, and 60K a year for H100.[00:43:59] swyx: So like, Groqs are just way more expensive per model that you're, that you're hosting. But then, you make it up in terms of volume. So I don't know if you want to[00:44:08] Alessio: cover that. I think one of the promises of Groq is like super high parallel inference on the same thing. So you're basically saying, okay, I'm putting on this upfront investment on the hardware, but then I get much better scaling once I have it installed.[00:44:24] Alessio: I think the big question is how much can you sustain the parallelism? You know, like if you get, if you're going to get 100% Utilization rate at all times on Groq, like, it's just much better, you know, because like at the end of the day, the tokens per second costs that you're getting is better than with the H100s, but if you get to like 50 percent utilization rate, you will be much better off running on NVIDIA.[00:44:49] Alessio: And if you look at most companies out there, who really gets 100 percent utilization rate? Probably open AI at peak times, but that's probably it. But yeah, curious to see more. I saw Jonathan was just at the Web Summit in Dubai, in Qatar. He just gave a talk there yesterday. That I haven't listened to yet.[00:45:09] Alessio: I, I tweeted that he should come on the pod. He liked it. And then rock followed me on Twitter. I don't know if that means that they're interested, but[00:45:16] swyx: hopefully rock social media person is just very friendly. They, yeah. Hopefully[00:45:20] Alessio: we can get them. Yeah, we, we gonna get him. We[00:45:22] swyx: just call him out and, and so basically the, the key question is like, how sustainable is this and how much.[00:45:27] swyx: This is a loss leader the entire Groq management team has been on Twitter and Hacker News saying they are very, very comfortable with the pricing of 0. 27 per million tokens. This is the lowest that anyone has offered tokens as far as Mixtral or Lama2. This matches deep infra and, you know, I think, I think that's, that's, that's about it in terms of that, that, that low.[00:45:47] swyx: And we think the pro the break even for H100s is 50 cents. At a, at a normal utilization rate. To make this work, so in my spreadsheet I made this, made this work. You have to have like a parallelism of 500 requests all simultaneously. And you have, you have model bandwidth utilization of 80%.[00:46:06] swyx: Which is way high. I just gave them high marks for everything. Groq has two fundamental tech innovations that they hinge their hats on in terms of like, why we are better than everyone. You know, even though, like, it remains to be independently replicated. But one you know, they have this sort of the entire model on the chip idea, which is like, Okay, get rid of HBM.[00:46:30] swyx: And, like, put everything in SREM. Like, okay, fine, but then you need a lot of cards and whatever. And that's all okay. And so, like, because you don't have to transfer between memory, then you just save on that time and that's why they're faster. So, a lot of people buy that as, like, that's the reason that you're faster.[00:46:45] swyx: Then they have, like, some kind of crazy compiler, or, like, Speculative routing magic using compilers that they also attribute towards their higher utilization. So I give them 80 percent for that. And so that all that works out to like, okay, base costs, I think you can get down to like, maybe like 20 something cents per million tokens.[00:47:04] swyx: And therefore you actually are fine if you have that kind of utilization. But it's like, I have to make a lot of fearful assumptions for this to work.[00:47:12] Alessio: Yeah. Yeah, I'm curious to see what Dylan says later.[00:47:16] swyx: So he was like completely opposite of me. He's like, they're just burning money. Which is great.[00:47:22] Analyzing Gemini's 1m Context, Reddit deal, Imagegen politics, Gemma via the Four Wars[00:47:22] Alessio: Gemini, want to do a quick run through since this touches on all the four words.[00:47:28] swyx: Yeah, and I think this is the mark of a useful framework, that when a new thing comes along, you can break it down in terms of the four words and sort of slot it in or analyze it in those four frameworks, and have nothing left.[00:47:41] swyx: So it's a MECE categorization. MECE is Mutually Exclusive and Collectively Exhaustive. And that's a really, really nice way to think about taxonomies and to create mental frameworks. So, what is Gemini 1. 5 Pro? It is the newest model that came out one week after Gemini 1. 0. Which is very interesting.[00:48:01] swyx: They have not really commented on why. They released this the headline feature is that it has a 1 million token context window that is multi modal which means that you can put all sorts of video and audio And PDFs natively in there alongside of text and, you know, it's, it's at least 10 times longer than anything that OpenAI offers which is interesting.[00:48:20] swyx: So it's great for prototyping and it has interesting discussions on whether it kills RAG.[00:48:25] Alessio: Yeah, no, I mean, we always talk about, you know, Long context is good, but you're getting charged per token. So, yeah, people love for you to use more tokens in the context. And RAG is better economics. But I think it all comes down to like how the price curves change, right?[00:48:42] Alessio: I think if anything, RAG's complexity goes up and up the more you use it, you know, because you have more data sources, more things you want to put in there. The token costs should go down over time, you know, if the model stays fixed. If people are happy with the model today. In two years, three years, it's just gonna cost a lot less, you know?[00:49:02] Alessio: So now it's like, why would I use RAG and like go through all of that? It's interesting. I think RAG is better cutting edge economics for LLMs. I think large context will be better long tail economics when you factor in the build cost of like managing a RAG pipeline. But yeah, the recall was like the most interesting thing because we've seen the, you know, You know, in the haystack things in the past, but apparently they have 100 percent recall on anything across the context window.[00:49:28] Alessio: At least they say nobody has used it. No, people[00:49:30] swyx: have. Yeah so as far as, so, so what this needle in a haystack thing for people who aren't following as closely as us is that someone, I forget his name now someone created this needle in a haystack problem where you feed in a whole bunch of generated junk not junk, but just like, Generate a data and ask it to specifically retrieve something in that data, like one line in like a hundred thousand lines where it like has a specific fact and if it, if you get it, you're, you're good.[00:49:57] swyx: And then he moves the needle around, like, you know, does it, does, does your ability to retrieve that vary if I put it at the start versus put it in the middle, put it at the end? And then you generate this like really nice chart. That, that kind of shows like it's recallability of a model. And he did that for GPT and, and Anthropic and showed that Anthropic did really, really poorly.[00:50:15] swyx: And then Anthropic came back and said it was a skill issue, just add this like four, four magic words, and then, then it's magically all fixed. And obviously everybody laughed at that. But what Gemini came out with was, was that, yeah, we, we reproduced their, you know, haystack issue you know, test for Gemini, and it's good across all, all languages.[00:50:30] swyx: All the one million token window, which is very interesting because usually for typical context extension methods like rope or yarn or, you know, anything like that, or alibi, it's lossy like by design it's lossy, usually for conversations that's fine because we are lossy when we talk to people but for superhuman intelligence, perfect memory across Very, very long context.[00:50:51] swyx: It's very, very interesting for picking things up. And so the people who have been given the beta test for Gemini have been testing this. So what you do is you upload, let's say, all of Harry Potter and you change one fact in one sentence, somewhere in there, and you ask it to pick it up, and it does. So this is legit.[00:51:08] swyx: We don't super know how, because this is, like, because it doesn't, yes, it's slow to inference, but it's not slow enough that it's, like, running. Five different systems in the background without telling you. Right. So it's something, it's something interesting that they haven't fully disclosed yet. The open source community has centered on this ring attention paper, which is created by your friend Matei Zaharia, and a couple other people.[00:51:36] swyx: And it's a form of distributing the compute. I don't super understand, like, why, you know, doing, calculating, like, the fee for networking and attention. In block wise fashion and distributing it makes it so good at recall. I don't think they have any answer to that. The only thing that Ring of Tension is really focused on is basically infinite context.[00:51:59] swyx: They said it was good for like 10 to 100 million tokens. Which is, it's just great. So yeah, using the four wars framework, what is this framework for Gemini? One is the sort of RAG and Ops war. Here we care less about RAG now, yes. Or, we still care as much about RAG, but like, now it's it's not important in prototyping.[00:52:21] swyx: And then, for data war I guess this is just part of the overall training dataset, but Google made a 60 million deal with Reddit and presumably they have deals with other companies. For the multi modality war, we can talk about the image generation, Crisis, or the fact that Gemini also has image generation, which we'll talk about in the next section.[00:52:42] swyx: But it also has video understanding, which is, I think, the top Gemini post came from our friend Simon Willison, who basically did a short video of him scanning over his bookshelf. And it would be able to convert that video into a JSON output of what's on that bookshelf. And I think that is very useful.[00:53:04] swyx: Actually ties into the conversation that we had with David Luan from Adept. In a sense of like, okay what if video was the main modality instead of text as the input? What if, what if everything was video in, because that's how we work. We, our eyes don't actually read, don't actually like get input, our brains don't get inputs as characters.[00:53:25] swyx: Our brains get the pixels shooting into our eyes, and then our vision system takes over first, and then we sort of mentally translate that into text later. And so it's kind of like what Adept is kind of doing, which is driving by vision model, instead of driving by raw text understanding of the DOM. And, and I, I, in that, that episode, which we haven't released I made the analogy to like self-driving by lidar versus self-driving by camera.[00:53:52] swyx: Mm-Hmm. , right? Like, it's like, I think it, what Gemini and any other super long context that model that is multimodal unlocks is what if you just drive everything by video. Which is[00:54:03] Alessio: cool. Yeah, and that's Joseph from Roboflow. It's like anything that can be seen can be programmable with these models.[00:54:12] Alessio: You mean[00:54:12] swyx: the computer vision guy is bullish on computer vision?[00:54:18] Alessio: It's like the rag people. The rag people are bullish on rag and not a lot of context. I'm very surprised. The, the fine tuning people love fine tuning instead of few shot. Yeah. Yeah. The, yeah, the, that's that. Yeah, the, I, I think the ring attention thing, and it's how they did it, we don't know. And then they released the Gemma models, which are like a 2 billion and 7 billion open.[00:54:41] Alessio: Models, which people said are not, are not good based on my Twitter experience, which are the, the GPU poor crumbs. It's like, Hey, we did all this work for us because we're GPU rich and we're just going to run this whole thing. And

Victor Shaw's father, who suffers from dementia, lost his life savings of $460,000 in a scam. In this episode, Shaw joins host David Braue to discuss the incident in detail, including how the fraudsters got connected with his father, whether any of the stolen funds have been reimbursed, how others can protect their elderly family members from falling victim to similar incidents, and more. • For more on cybersecurity, visit us at https://cybersecurityventures.com

Top headlines for Jan. 30, 2024:Judge denies Murdaugh's new double-murder trial, finds clerk of court not credibleBeaufort Co. man facing murder charges in Ridgeland shootingHomeowners share thoughts on future development at Charleston Co. public forumMichael B. Moore raises over $460K in 2023 with hopes of defeating Nancy Mace Mount Pleasant resident questions the town's short-term rental regulation

We talk with Ashlee McKey and Natalie Fagan about the Block. David Banks from Canterbury in Melbourne about his local market. And Lauren Robertson in Gunnedah talks about a house with land for around $460K.   The summer series of podcasts looks back over 2023.  Listen here: https://apple.co/3wub8Le ► Subscribe here to never miss an episode: https://www.podbean.com/user-xyelbri7gupo ► INSTAGRAM: @therealestatepodcast ► APPLE: https://apple.co/42n339w ► Email:  myrealestatepodcast@gmail.com  We include content that looks at Real estate development and Real estate industry insights. Home buying tips and commercial real estate for Sydney real estate, Melbourne, Brisbane and Perth properties. Investment strategies and real estate trends for Adelaide real estate, Canberra, Gold Coast and Darwin. Including powerful mortgages and finance insights. Real estate agents and brokers. Real estate technology and real estate law and regulations, property developments and real estate industry analysis. Property investing for first home buyers and beginners, market reports and negotiation skills and contracts for the Australian investor real estate market.

If you feel like your crowdfunding goals are so out of reach it's like trying to reach for the moon, then today's episode is for you. Instead of reaching for the moon, Col&MacArthur brought the moon to earth, and are ready to show you how.   In this episode of the Crowdfunding Demystified podcast, Salvador Briggman will speak with Sébastien Colen about the patience and passion that goes into crowdfunding. You'll also learn: The significance of a pre-launch campaign How to leverage visibility on your project When to start planning a crowdfunding campaign …and so much more! Sponsors:  Fulfillrite: Kickstarter and crowdfunding reward fulfillment services. They come highly recommended! Download their free shipping and fulfillment checklist. Resources and Tools Mentioned on the Show Book a coaching call Subscribe for Weekly Crowdfunding Tips Free Equity Crowdfunding Course Equity Crowdfunding Explained (Get free audio book with Audible's 30-day Free Trial) LUNAR1,622 on Indiegogo Col&MacArthur

Ever dreamed of going viral on Instagram? Want to skyrocket your social media presence?Or maybe you'd like to build a following that can sustain a thriving, profitable business?If any of these resonate with you, then you're going to LOVE this conversation with Evita Geraghty, a social media prodigy who's mastered the art of rapid online growth.Evita's journey is more than just impressive — it's a masterclass in digital strategy. She grew her personal Instagram account from non-existent to a staggering 460k followers in a mere 12 weeks. But she didn't stop there…To prove it wasn't just a stroke of luck, Evita then replicated this success with a product-based business, quickly amassing 175k followers on Instagram and another 200k on TikTok. (And by the way, she did all of this while being both a highly involved mama and a full-time corporate professional!)In this inspiring and practical episode, Evita is pulling back the curtains on her extraordinary rise to social media stardom. Tune in to learn her step-by-step strategy during those explosive 12 weeks; her unique methods for content creation; the optimal use of Instagram features like stories, reels, and grid posts; actionable tips for anyone looking to monetize their platform; and how to tailor your content differently for Instagram and TikTok.We also get candid about Instagram's infamous algorithm, including what to do when your reach drops, the most effective frequency for posting, and the common social media blunders that could be hindering your growth.This episode is more than just inspiring; it's an essential guide for entrepreneurs, coaches, creatives, and anyone eager to grow their following.So if you're ready to rapidly and sustainably elevate your online presence, then press play now… this one's for you.Head to www.melissaambrosini.com/543 for the show notes.Join my newsletter: www.melissaambrosini.com/newsletterGet my FREE ZenTone Meditation: www.melissaambrosini.com/zentoneFollow me on Instagram: @melissaambrosiniGet Time Magic: www.timemagic.me Hosted on Acast. See acast.com/privacy for more information.

What do we recommend as a savings rate for people with higher incomes? We'll walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client Subscribe on YouTube for early access and go beyond the podcast Connect with us on social media for more content Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

We talked to Asti Mardiasmo on Monday about the impending decision by the RBA. Ashlee McKey and Natalie Fagan were here on Tuesday talking about the block.  David Banks from Canterbury is in talking about Canterbury in Melbourne. Lauren Robertson from Gunnedah talks about the value for First home buyers who can buy a house with land for around $460K.  ► Subscribe here to never miss an episode: https://www.podbean.com/user-xyelbri7gupo ► INSTAGRAM: https://www.instagram.com/therealestatepodcast/?hl=en  ► Facebook: https://www.facebook.com/profile.php?id=100070592715418 ► Email:  myrealestatepodcast@gmail.com  We include content that looks at Real estate development and Real estate industry insights.   We include content on home buying tips and commercial real estate. Also real estate market analysis and real estate investment strategies. Including residential property market and real estate trends. Also real estate finance and real estate agents and brokers. Plus real estate technology and real estate law and regulations, and real estate development and real estate industry insights. And real estate investing for beginners, real estate market reports and real estate negotiation skills.     #sydneyproperty #Melbourneproperty #brisbaneproperty #perthproperty 

We talk with Lauren Robertson from Robertson Real Estate in Gunnedah. First home buyers can buy a house with land for around $460K. Investor's can buy for the mining and other businesses in the area. Find out about this real estate towns affordability. ► Subscribe here to never miss an episode: https://www.podbean.com/user-xyelbri7gupo ► INSTAGRAM: https://www.instagram.com/therealestatepodcast/?hl=en  ► Facebook: https://www.facebook.com/profile.php?id=100070592715418 ► Email:  myrealestatepodcast@gmail.com  We include content that looks at Real estate development and Real estate industry insights.   We include content on home buying tips and commercial real estate. Also real estate market analysis and real estate investment strategies. Including residential property market and real estate trends. Also real estate finance and real estate agents and brokers. Plus real estate technology and real estate law and regulations, and real estate development and real estate industry insights. And real estate investing for beginners, real estate market reports and real estate negotiation skills.     #sydneyproperty #Melbourneproperty #brisbaneproperty #perthproperty 

10th Oct: Crypto & Coffee at 8

[Rewind Episode] Jade and Sam are a married couple that worked together to pay off $460K of debt. They are the founders of one of the leading talent agencies in the cruise industry and are the founders of More Feast Less Famine, an online platform dedicated to helping people get out of debt and live a financially healthy lifestyle. In this episode you'll learn: Money tips and advice for couplesHow they started a cruise line talent agency to increase their incomeHow they got to a place of transparency and accountability for their finances Connect with Jade & Sam: Instagram:  https://www.instagram.com/jadewarshaw/ Twitter: https://twitter.com/JadeWarshawTalent Agency: www.warshawentertainment.com Connect with us: Instagram: @richbyintention Twitter: @richbyintention Get our FREE Couples Money Starter Kit, Click Here.Check out our website: Richbyintention.com

Jade and her Husband Sam married in 2007, one week after college graduation. They had $280K just in student loans! In addition, they also had credit cards, two cars we couldn't afford, and a small townhome to round it out. But in 2008, they started listening to The Ramsey Show and learned all about the Baby Steps and what we needed to do to become debt-free. It took them a while to shake their old habits, but once they truly got fired up, they did whatever they could to earn more money—from substitute teaching, to teaching voice lessons, to designing websites, to hosting jet ski tours, to working at a vinyl tint and lettering garage. They even house hacked and sacrificed personal space by getting roommates. Jade and Sam eventually made their way on the Ramsey show to do their debt free scream and she could have never imagined that she would one day become a Ramsey Personality. Check out our new website!https://www.financiallyindependentteachers.com/Sign up for FIT coachinghttps://www.financiallyindependentteachers.com/services-4

Jade Warshaw is on top of the world and she's bringing others up with her. Yet that wasn't always the case. At 23 years old, Jade and her husband found themselves drowning in almost half a million dollars of debt. Between student loans, credit cards, two cars they couldn't afford, and a small townhome, these newlyweds were blissfully ignorant about just how big of problem they were in. By taking responsibility for their decisions and using the guidance of legendary eight-time national bestselling author and personal finance and retirement expert Dave Ramsey, they were able to find financial freedom in seven and a half years. I want to repeat that – In just seven and half years, they clawed their way out of a staggering $460,000 in debt. Today, Jade joins us to share her journey to becoming debt-free including the sacrifices they had to make and the old habits they had to shake. Plus, learn the tools and money-management plans to embark on your own path to achieving financial peace. My friends, this episode is not just about finances; it's about confronting those daunting, lurking problems that we often choose to ignore. Whether it's a challenging relationship, a stagnating career, or personal struggles, today's conversation will ignite you to take charge.

Start your life-changing journey into full arch dentistry: www.sharedpracticesgroup.com In today's episode, Tyler sits down with the most productive doctor in the Shared Practices Group, Dr. Caleb Stott (@surgical_state_of_mind), who in under a year has grown Reno Dentures and Implants to collecting $460k/mo! After talking about the dynamics of producing 20+ fixed arches in a month within a one doctor practice, Tyler and Caleb get clinical talking about surgical efficiency, lessons learned in restoring cases, the importance of soft tissue, immediate loading overdentures, and the wonders of PRF! 

Dave Ramsey's newest on-air personality hire Jade Warshaw is our guest on this episode. Derek will talk to her about how she was able to pay off $460K in debt using the Ramsey method while working in music, doing side hustles and practicing life hacks. Jade also gets into what it's like working alongside Dave Ramsey on their show - which is a consistent Top 20 Podcast in the U.S. Johnny & Derek round it out about their thoughts on the Ramsey plan and how they may disagree with certain aspects of it. The guys also get into some of the crazy side hustles they had while trying to pay off their own debt. About Jade Warshaw: At Ramsey Solutions, Jade Warshaw serves as a debt elimination expert, financial coach and co-host of The Ramsey Show. Jade has a professional background in entertainment and has performed in over 92 countries worldwide. She has appeared on Fox News and Cheddar News and been featured in Fortune magazine. Since paying off over $460,000 in debt with her husband, Sam, Jade has been helping others achieve financial peace. As a co-host of The Ramsey Show, the second-largest talk radio show in America, Jade helps people pay off debt by teaching them to shift their mindset and actions around money. Discussed:  Jade Warshaw's Website Jade Warshaw's Instagram ILAB 208: Ramsey Personality Ken Coleman Interview Where we are: Johnny FD – Pattaya, Thailand / IG @johnnyfdj Sam Marks – Bangkok / IG @imsammarks Derek – Los Angeles / IG @DerekRadio Sponsor: Indeed No one understands that every single hire counts more than Indeed. Get hiring now when you visit Indeed.com/ILAB. Like these investments? Try them with these special ILAB links: Fundrise – Start with only $1,000 into their REIT funds (non-accredited investors OK)*Johnny and Sam use all of the above services personally. Time Stamp: 05:50 - Derek & Johnny's Thoughts on the Ramsey Plan 14:28 - Interview with Jade Begins 26:00 - Jade's Side Hustles to Pay Off Debt 35:09 - What Jade Adds to the Ramsey Lineup 49:20 - Derek & Johnny's Side Hustles to Pay Debt If you enjoyed this episode, do us a favor and share it! If you haven't already, please take a minute to leave us a 5-star review on Apple Podcasts and Spotify.

On today's episode, I am joined by Mandy Ansari, a marketing executive, influencer, mental health advocate, and immigrant obsessed with the internet's ability to make the world smaller and more connected. She is passionate about helping people feel less alone by creating a safe space and community online. Her blog girlandthe.com has over 500K readers a month, and her account has reached around 10.7M people in the last month. ⁣⁣Mandy is a founding member of the Iranian Diaspora Collective. This non-partisan, multi-faith group is inclusive of multiple backgrounds, gender, and LGBTQ identity and include leaders in business, media, entertainment, fashion, beauty, and more who have a combined social media reach of over 50M. In addition, the Iranian Diaspora Collective has raised over $460K to activate in 136 locations with a visibility campaign that launched Thursday, October 27th, and garnered around 150M media impressions.⁣

The Successful Contractor Podcast, Powered by CertainPath is a show for residential contractors about residential contractors…  We chronicle business journeys, share insights, and celebrate successes in this wonderful industry.  Thank you to our sponsors: Professional Plumbing Group. How many hours in a day do your plumbers waste because you do not have the right part for the job? This problem leads to additional issues and reduced productivity, poor customer satisfaction, and increases your cost per job. Professional Plumbing Group (PPG) can help you solve all those issues and more! We have everything you need to help your business grow and become more profitable by allowing you to focus on plumbing not inventory management, product selection and so much more. Go to authorizedplumberprogram.com for more information. Rheem- Brothers Richard and Donald Rheem founded Rheem Manufacturing Company in Emeryville, California in 1925. The company has produced a number of cutting-edge products in its 89 years of operation. Today, Rheem is North America's only manufacturer of HVAC, water heating, pool/spa heating, and commercial refrigeration solutions. For more information, go to rheem.com. pulseM - pulseM is the #1 Review generation platform built for Home Services. The majority of CertainPath members use pulseM for Google Reviews, Customer Communication through text messaging and much more. To quote Bubba Thurman of Baker Brothers - “I can't say enough good things about pulseM - They match our core values and they do an unbelievable job.” For more information please visit pulsem.me. Shubee- ShuBee makes it easy to take your customer service to the next level. Show your clients you care with their full line of extra-large, extra durable products made specifically to protect their home or business. ShuBee products were made by service professionals for service professionals. None of those 

In this episode we are talking with Elina Furman. Elina is a Certified Infant Massage Instructor with over 15 years in the baby products industry. She is deeply passionate about spreading awareness about the importance of infant/child massage and earned her infant massage certification after talking to many parents who were confused and bewildered about how to perform baby massage.As a baby massage expert, she has conducted education for such brands as Lovevery, Legendairy Milk, Mama Glow Doula Education, Finn & Emma, Gugu Guru among many others and has been featured in Fast Company, The Mirror UK, Yahoo!, Guardian, The Sun, NY News Press and popular maternity podcasts like Limitless Pregnancy and The Natural Nipple. Her social media platform in just one year's time has earned over 460K followers on TikTok and 189K on Instagram. After I had my daughter, Eliana, I found Elina on Instagram through her helpful infant massage tutorials. Her videos demonstrating how to do massage for gas and congestion are used on a daily basis in our house and I'm so grateful for all of the education she provides. Links/Resources:Visit Elina's website: kahlmi.com Link for Kahlmi massager: https://bit.ly/3Ce1GzA Follow Elina on IG: https://www.instagram.com/getkahlmi/ Follow Elina on Tiktok @kahlmi Free Training: Optimizing Hormone Health with Mineral Balance: https://bit.ly/3iwRDMk Mineral Imbalance Quiz: https://bit.ly/3ycEn4h 

Pipeline & CRM Training: $460K Just From Follow Up Alone. Full training link and video: https://www.facebook.com/chris.em.96/videos/1328567704618275

Many experts, entrepreneurs, coaches, and consultants come to me because they're stuck. They can't figure out how to break through their revenue ceiling no matter how much journaling they do. No matter how many affirmations they say, how many courses they take or masterminds they join, new programs they offer, or strategies they employ — they've been hovering around the same income for two, three, or even five years.   I found that what they have in common is making this Million Dollar Mistake No. 3. This is a sneaky thought process for most people in our society, a belief that keeps many stuck at an income plateau and life in general. Key points discussed in this episode:  ✔️ One statistic that blows my mind is how 2% of small business owners, especially those run by women, only make it to $1,000,000 in their business. That means 98% of the women-founded companies all around America never crossed the million-dollar mark. My goal is to help to turn that stat on its head and pave the way for more women to succeed using their business and entrepreneurship as their vehicle.   ✔️ Do the lifetime cash creation exercise. Calculate and find every penny you've made over your adult life. Write down all the money you've made. Take in that number and think about all the cash that passed through your hands. Whether it's $46K, $460K, or $46M over your lifetime, know that you have the capacity to build wealth. You have in your cellular memory the ability to create so much money in revenue. ✔️ Most people resist the idea of making money rapidly. The lie is that you shouldn't want to make money too fast because that's considered a get-rich-quick scheme. "Things that come too fast don't last." Now, I'm not saying that you should just do everything possible to make money as fast as possible, no matter who gets hurt. What I am saying is we've all been programmed to believe that there's something wrong with making money. Stop counting how much you make and measure how fast your company generates revenue. Remember, money loves speed.   ✔️ How about the scheme of staying broke forever? Many systems out there are meant to keep you exactly where you are. That is the trap most people fall into. When talking to people about creating revenue in their business, many entrepreneurs and experts who come to me believe: I don't make enough money. There aren't enough clients. Where am I going to find the people? I invite you to stop looking the hard way and rethink how you look at money.  ✔️ Game on! Live will prepare you to explode your bank account. It will also transform your life and help you achieve the impossible. It's going to lay the foundation for that. So if you are committed to shattering your biggest limiting beliefs, even if you're not consciously aware of it. Sister, you are the curse breaker and the creator of possibilities. ✨ Step up and show up. Go to gameonliveevent.com. ———————————————————————————————— Loved this episode? Know that it's your time. Listen, love, when you stop playing small and show up fully, your business and income will naturally grow as you do too.  Discover how to achieve the next Level of Authority and remove any blocks sabotaging your sales. http://shamecatankerson.com/

Welcome to The Nonlinear Library, where we use Text-to-Speech software to convert the best writing from the Rationalist and EA communities into audio. This is: EA architect: Building an EA hub in the Great Lakes region, published by Tereza Flidrova on September 13, 2022 on The Effective Altruism Forum. EA is growing, and there is a great need for a variety of spaces for the community to live, work and socialize. Traditionally, EA communities formed around hubs like Boston, the Bay Area or London. But, I feel like recently, there has been a growing demand for diversification of EA hubs around the world. This article aims to introduce the Great Lakes region as a potential place for a new EA hub. I will argue that a new hub could be set up in the green and walkable town of Sandusky, located right on Lake Erie, allowing EAs to benefit from the existing thriving community, facilities and infrastructure. My involvement in the project started a few weeks ago, when I spent a week in Sandusky, Ohio, visiting Andy Weber (a great 80k episode with Andy here), a former Assistant Secretary of Defense for Nuclear, Chemical & Biological Defense Programs, and his wife Christine Parthemore, Chief Executive Officer of Council on Strategic Risks. I was on a mission: to explore Sandusky and help figure out whether it would be a suitable location for an EA hub. Those of you living a nomadic lifestyle, working remotely or seeking to improve your mental health, productivity and wellness, stay tuned: Sandusky might be a place for you! So why the Great Lakes region, and why Sandusky in particular? In Andy's words: 'Sandusky is the remote worker's paradise', and after visiting, I have to say I wouldn't disagree! The following paragraphs describe the main reasons why Sandusky is a great place for remote work or perhaps establishing an EA hub. In Sandusky, you get more for less. Sandusky is much cheaper than the usual places where EAs tend to gather. According to Redfin (Redfin n.d.), the median price of Sandusky home prices for July 2022 was $200K, as compared to $825K for NYC and $1,460K for SF. In times of remote working, places like Sandusky might offer EAs a chance to work from one place, offering an alternative to living in the most expensive places in the world. Living costs as well as costs associated with running an EA hub in Sandusky are much more favorable and would buy EAs better housing and healthier work environments for far less money. Life at the water. Living near the water, similarly to living surrounded by greenery, seems to be associated with many positive measures of physical and mental wellbeing (Hunt 2019). Sandusky is located at Lake Erie, a freshwater reservoir offering life right at the waterfront. It's one of the cities of the Green Cities Initiative, an initiative of cities by the Great Lakes that strive to offer a place to do remote work in times of global warming and covid. The initiative wants to offer life at a freshwater resource (the Great Lakes provide 84% of North America's surface freshwater (“Green Cities Initiative” n.d.)), with access to nature. I like the idea from an urban design perspective: it brings cities from the region together to work collaboratively on developing the region as a whole. For a smaller town like Sandusky, this means better connectivity to the communities and facilities surrounding it. Access to nature. People living near green spaces seem to be less likely to have anxiety and depression and are more likely to be physically active (Jennings, Johnson Gaither, and Gragg 2012). Many of us choose to live in cities despite the distance from nature because of all their benefits, like access to jobs, opportunities, and people. However, living in loud, densely populated and congested urban areas can get overwhelming and stressful and can negatively impact our mental health or sleep quality. Sandusky could offer an escape with more immediate access to nature. It is surrounded by parks, and the Magee...

Today's guest on the Niche Pursuits podcast is former Penny Hoarder executive and successful business owner Alexis Grant. Alexis shares her thoughts on how her journalism background has helped her content writing and she talks about what she did to get it to rank better in the search engines and how she increased traffic by around 80%.

... on a c. £20k spend! Yep! Who said there were no deals to be found??? Patricia talks about another mega deal 2022 completion in this episode.

Jade and Sam Warshaw are a married couple that worked together to pay off $460K of debt. They are the founders of one of the leading talent agencies in the cruise industry and are the founders of More Feast Less Famine, an online platform dedicated to helping people get out of debt and live a financially healthy lifestyle. More Feast Less Famine pairs up two of Jade's favorite topics, money and food. As a home cook & business owner, she has identified some winning strategies over the years as it relates to both. In this episode of Rich by Intention, you'll learn: Money tips and advice for couples How they started a cruise line talent agency to increase their income How they got to a place of transparency and accountability for their finances Connect with Jade & Sam: Instagram: https://www.instagram.com/morefeastlessfamine/?hl=en Youtube: https://www.youtube.com/channel/UCdwCQlfBye9U4Qc37j3QFWw Website: https://www.morefeastlessfamine.com/about Talent Agency: www.warshawentertainment.com Connect with us: Instagram: @richbyintention Twitter: @richbyintention Get our FREE cheat sheet to get on the same page about money with your partner, Click Here.

The Ramsey Call of the Day is a quick, daily dose of advice on life and money in under ten minutes. Hear from experts like Dave Ramsey, Ken Coleman, Rachel Cruze, Christy Wright, Dr. John Delony, and George Kamel. Part of the Ramsey Network. Delivered to you five days a week.

Why Some Homes are HOT & Others NOT + FREE use of a Moving VanSegment 4What Makes Some Homes are Red Hot & Others Not + Hot New ListingsBarb you have talked a lot of ideas on how to get a home ready for sale.  But once they get presented to the market, what makes some homes FLY off the shelf and others sit there?My Team is designed to help home sellers get the MOST MONEY1. Stars are Aligned to get top dollara. Low Available inventory of homesb. Low Cost Financingi. 30 year fixed Conventional: 3.01%ii. 30 year fixed VA/FHA: 2.50%c. Little or No Down Payment Neededi. Navy Fed CU = 100% Conventional Loan (little higher rate 3.65) 0 down jumbo!#1 Pricingd. Pricing a home correctly takes:i. Market Expertise1. We well hundreds of homes in a yeara. Average agent sells less than 3 (74%) of themii. Knowledge of MARKET TRENDS!iii. Pricing REALISTICALLY vs OPTIMISTICALLY1. Pricing Optimistically =a. Longer Time on Marketb. Lower Offers2. Pricing Realistically =a. Shorter Time on Marketb. Higher Offersc. Best and Highest Price!iv. In my experience, hitting that REALISTIC Price Point COMMANDS TOP DOLLAR1. Table Rock Storya. Priced REALISTICALLYb. 2 offersc. Sold for $75,000 OVER ASKING#2: PREPARATIONGetting a House Ready:Command the Most MoneyBuyers ELIMINATE Homes ONLINE!#3: HIRE THE AGENT WITH THE BUYERSA. ATTRACT BEST BUYERSB. HAS A DATABASE OF  BUYERS-IN-WAITINGa. ALREADY LOOKING FOR HOMES LIKE YOURSMATCH OUR BUYERS TO YOUR HOME!FREE MOVING VAN!Get their house ready for saleBack up on moving dayMove staging furniture aroundUse at our Open HousesThis is one of the main reasons, I recommend you, a trusted Navy Veteran when thinking of buying or selling a home. I'm Richard Randall and You are listening to The Real Estate Voice with me, Barb Schlinker of Your Home Sold Guaranteed Realty, you can reach Barb at 719 301 3900 Or www.BarbHasTheBuyers.comTell Us About Some Hot New Listings You Have Coming UP?1. 12900 Stone Valley Dr, Peyton CO $445K2. 501 S Siesta Way Pueblo West CO $1.2M1. 1354 Tonka Ave, $449,9993. 740 Sunrise Cir, WPK, $899K4. 4124 Round Hills Cir, CS CO 80922, $459,9995. 2420 Telemark Ct, CS CO 80918, $399,9996. 2025 Hillis Ct, CS CO 80906, $460K, 7. 5822 Roy Heights, CS CO 80918, Low $400s8. Sneak Peek: Windsor Ave, CS CO 80907, Low $300s

Retired adidas sales executive Bob Chillemi shares the heart-breaking story of his beloved son TC who lost his life to drugs at the age of 24. Bob offers advice to teens and parents alike on how best to avoid addiction. Listening to this emotionally wrought cautionary tale is more important than ever given dramatically rising overdose deaths in the US.  May 30 marks the 10 year anniversary of TC's death. During the past decade, Bob has honored his son's memory by raising $460K in partnership with Arizona State University to educate students on the dangers of alcohol and drug abuse. In the words of the great statesmen Benjamin Franklin, "those things which hurt, instruct." Here is the link to the TC ASU Foundation Fund for those interested in donating to this amazing substance abuse treatment and prevention program:http://tcasufund.org/our-storyFeel free to contact host Mark Hochgesang at mphochgesang@gmail.com. I would like to hear what you think of the show and the topics you would like me to tackle going forward. Thanks for listening. Please subscribe on Apple Podcasts, Spotify or wherever you listen to your podcasts. And if you like my show, please leave a favorable review. Cheers. 

This episode is going to be so much fun. We are talking about styling kids' bedrooms on a budget.So, parents, this one is for you. I'm going to chat with friend of the show, Claudia Brdar from The Renovate Avenue about how we can make our kids' bedrooms really, really special and beautiful and bring in some personality without breaking the bank.Claudia’s best tips include:Upcycling – let’s see what you can give a cosmetic lift toIncorporating colour with paint, decals or stencilsUsing chalkboard paintWall stickersAnd moreThere are so many ways to make their bedrooms really fun and inviting. Take a listen and let us know what you think and how you have improved your kids' bedrooms in the past.How to contact Jo and Carl from Violeta Financeinfo@violetafinance.com.au03 9775 0532www.violetafinance.com.auFollow Claudia and The Renovate AvenueFacebookInstagramWebsiteFollow the Dream Home MovementFacebookInstagramWebFollow Carl and Jo VioletaFacebookInstagramWebGuest bioClaudia and her husband Pete have renovated small properties right through to large scale projects. Several years ago they bought a run-down 1960's weatherboard house (purchased for $460K) and ended up completing a major renovation ($75K), creating a beautiful sought after home ... on a tight budget! They set the suburb record for a property price of $1.035 million (2017)!They're currently renovating a 1960's brick house to sell.Both Pete and Claudia have a real hands-on DIY approach when it comes to renovating, focusing on achieving that ‘WOW’ factor ... thinking bigger, outside-the-box, and never afraid to take a risk.Claudia created The Renovate Avenue to share her knowledge, and inspire others to climb the property market via the renovation avenue, building a financially stable future to retire earlier (and do what you love).

In this episode, I interview Caralee Fontenele, the founder and director of Collective Family Law, a Gold Coast and Brisbane-based law firm specializing in family law. Caralee left school at age 16, went to uni in her late 20s, and in 2012 aged 34, graduated in law. She started working in her husband’s one-person law firm and he soon gave up leaving the business in $460,000 debt, which she worked hard and paid off in 3 years. She has grown the business from one full-time employee to 14, and $500,000 in year one to now over $2Million per annum.  She only works ten hours a week on the business, not doing any billables herself. The firm now focuses squarely on family law (Divorce and separation). 70% of people don’t retain a lawyer during separation and divorce, so in 2018, they launched an online product to target that market. They also launched the Scalable Business Society, which helps service-based businesses scale as she has done. Tracking metrics around billables and marketing allowed sales to jump from $1.2 Million to $2Million+ per annum, and half of their sales came from Google Adwords.  Caralee says she felt she has succeeded when finally there was money in the bank and believes that the hardest thing about growing a small business is getting out of your own way. The one thing she says she would tell herself on day one of starting out in business is, “Those goals you set yourself are just shit, and you need to rewrite them and stop putting limiting beliefs in your way” Ladies and gentlemen, help me in welcoming Caralee Fontanelle to the show. This Cast Covers: Helping people through their worst moments in separation and divorce. Their client avatar: 42 years old, married or in de facto relationships, and those whose separation or divorce has a property component. Creating an online platform that eases the process of learning all about separation and divorce. Starting the Scalable Business Society to help service business owners to get off the tools so they can work on their business rather than in it. The frustration of leading underwater and taking over a business that was $400K+ in debt. Sustaining a slow, manageable, and profitable growth year on year. How the pandemic opened up a whole new world of great opportunities. Achieving effective marketing by measuring your data. Sheer hard work: The only funding option that one can exploit to get out of debt. Freeing herself up in a big way by taking one of her lawyers to a leadership level. The one thing she did to change things up for the better in her business. Enjoying the fast growth and learning tons of things from different people and areas. Showing up again and again, and investing in yourself to thrive in small business ownership. Building a great culture by implementing structured team meetings every week and allowing team members to do their work without being micromanaged. Being happy with every aspect of your life instead of focusing so much on the ever-elusive work-life balance. Investing in different forms of professional development. Focusing on referral marketing, organic marketing, and paid marketing (Google Adwords only) Additional Resources: Collective Family Law The E-Myth By Michael E. Gerber   Music from https://filmmusic.io "Cold Funk" by Kevin MacLeod (https://incompetech.com). License: CC BY (http://creativecommons.org/licenses/by/4.0/

Claudia Brdar from The Renovate Avenue takes us through what a style board is, why you need one to inspire and plan your home styling project and how to create one.This episode is part of a very special DIY renovation series.⠀Claudia from @therenovateavenue and Founder of the DIY Renovation Academy will join us once a month on the show to take you through EVERYTHING you need to know to DIY your reno.⠀⠀This is like a little sneak peek into her super popular DIY Renovation Academy course.⠀⠀This series is exclusively for Dream Home Movement listeners.Listen to Claudia's episode on How to choose a design style for your homeHow to contact Jo and Carl from Violeta Financeinfo@violetafinance.com.au03 9775 0532www.violetafinance.com.auFollow Claudia and The Renovate AvenueFacebookInstagramWebsiteFollow the Dream Home MovementFacebookInstagramWebFollow Carl and Jo VioletaFacebookInstagramWebGuest bioClaudia and her husband Pete have renovated small properties right through to large scale projects. Several years ago they bought a run-down 1960's weatherboard house (purchased for $460K) and ended up completing a major renovation ($75K), creating a beautiful sought after home ... on a tight budget! They set the suburb record for a property price of $1.035 million (2017)!They're currently renovating a 1960's brick house to sell.Both Pete and Claudia have a real hands-on DIY approach when it comes to renovating, focusing on achieving that ‘WOW’ factor ... thinking bigger, outside-the-box, and never afraid to take a risk.Claudia created The Renovate Avenue to share her knowledge, and inspire others to climb the property market via the renovation avenue, building a financially stable future to retire earlier (and do what you love).

In this episode, friend of the show Claudia Brdar explains how to make your chosen interior design style for your homeThis episode is part of a very special DIY renovation series.⠀Claudia from @therenovateavenue and Founder of the DIY Renovation Academy will join us once a month on the show to take you through EVERYTHING you need to know to DIY your reno.⠀⠀This is like a little sneak peek into her super popular DIY Renovation Academy course.⠀⠀This series is exclusively for Dream Home Movement listeners.Listen to Claudia's episode on How to choose a design style for your homeHow to contact Jo and Carl from Violeta Financeinfo@violetafinance.com.au03 9775 0532www.violetafinance.com.auFollow Claudia and The Renovate AvenueFacebookInstagramWebsiteFollow the Dream Home MovementFacebookInstagramWebFollow Carl and Jo VioletaFacebookInstagramWebGuest bioClaudia and her husband Pete have renovated small properties right through to large scale projects. Several years ago they bought a run-down 1960's weatherboard house (purchased for $460K) and ended up completing a major renovation ($75K), creating a beautiful sought after home ... on a tight budget! They set the suburb record for a property price of $1.035 million (2017)!They're currently renovating a 1960's brick house to sell.Both Pete and Claudia have a real hands-on DIY approach when it comes to renovating, focusing on achieving that ‘WOW’ factor ... thinking bigger, outside-the-box, and never afraid to take a risk.Claudia created The Renovate Avenue to share her knowledge, and inspire others to climb the property market via the renovation avenue, building a financially stable future to retire earlier (and do what you love).Transcript*This transcript is automated, so may not be 100% accurate*How to make your interior styling work - easy, practical tips with Claudia Brdar00:00:00 - 00:00:04I've got a confession to make. I'm not very good at interior styling. I don't00:00:04 - 00:00:10know how to make things look good around my home. I know what I like, but00:00:10 - 00:00:15I don't know how to make it work. I don't know how to translate my vision00:00:15 - 00:00:20what's in my mind into reality. And I know that might come as a bit of a00:00:20 - 00:00:25surprise or might seem a little bit weird, considering I host a podcast about00:00:25 - 00:00:29home improvement and renovation. You would think that I had some interior00:00:29 - 00:00:36styling skills, but sadly, I don't I guess that's kind of why I host this podcast,00:00:36 - 00:00:42because I can tap into experts who do have the skills. And so, for this episode00:00:42 - 00:00:47, Claudia Brdar from The Renovate Avenue is coming onto the show to take us00:00:47 - 00:00:54through how to make our design style work. Welcome to the Dream Home00:00:54 - 00:00:59movement. This is your weekly dose of home and property inspiration.00:00:59 - 00:01:04Bringing you clever tips and advice from the very best experts and real life00:01:04 - 00:01:12reno stories with your host, Jo Violeta. Hey, thank you so much for tuning00:01:12 - 00:01:16into this episode of the Dream Home Movement. I think you're going to love00:01:16 - 00:01:22this one. Lots of really practical tips from my dear friend Claudia, who is the00:01:22 - 00:01:28founder of The Renovate Avenue and the D.I.Y Renovation Academy. So00:01:28 - 00:01:32you might want to grab a paper piece of paper and a pen and take notes. But if00:01:32 - 00:01:37you're not able to, that's okay, because I’ve transcribed the episode so you'll be00:01:37 - 00:01:42able to see transcription and I will pop all the relevant information in the show00:01:42 - 00:01:47notes as well. So I've got you. Don't worry. And oh, hey, if we haven't met00:01:47 - 00:01:52before, my name's Jo Violeta, Thank you so much for listening to the show. I00:01:52 - 00:01:57Co-own an award winning finance business called Violeta Finance with my00:01:57 - 00:02:02husband, Carl. He is a mortgage broker. So if you need a hand financing your00:02:02 - 00:02:07home renovations, organising a home loan, refinancing your mortgage, maybe00:02:07 - 00:02:10you need to organise a loan for your next investment property or your first00:02:10 - 00:02:15investment property ‘exciting’ we would love to help you our contact details00:02:15 - 00:02:21will also be in the show notes, and if you're a regular listen of the listener to00:02:21 - 00:02:25the show, then you might be familiar with Claudia because Claudia is actually00:02:25 - 00:02:31delivering an exclusive little miniseries for Dream Home Movement listeners.00:02:31 - 00:02:38And it's based on her course Thie Renovation Academy. So last season she00:02:38 - 00:02:43took us through planning a home renovation. And then this season she's taking00:02:43 - 00:02:49us through actually planning your styling and doing the styling for the home so00:02:49 - 00:02:53last time she was on, she comes on about once a month to deliver these little00:02:53 - 00:02:58sort of like many lessons I suppose last month we spoke about choosing your00:02:58 - 00:03:02design style so it could be a Hamptons or industrial or contemporary,00:03:02 - 00:03:07she explained what those design styles are. And then she took us through. How do00:03:07 - 00:03:11we figure out what design style we're going to use for our home Oh my gosh, I00:03:11 - 00:03:14love that episode so much. If you haven't listened to it yet, you might want to00:03:14 - 00:03:19scroll back and listen to it. And then in this episode, Claudia is taking us00:03:19 - 00:03:24through how to actually make that design style work. So how to practically00:03:24 - 00:03:30bring it together? And can I tell you I needed this episode so so badly? And00:03:30 - 00:03:35I'm feeling far more confident now that I will be able to style, our next00:03:35 - 00:03:38property, which hopefully we're purchasing soon. All right, let's get stuck00:03:38 - 00:03:45into my chat with Claudia. Hey, Claudia. Welcome to the show. So lovely to00:03:45 - 00:03:48have you back again. Thank you so much for having me. I have a lot of fun00:03:48 - 00:03:55when I'm here with its great and I learned so much. So last time we were00:03:55 - 00:04:00together. Well, I just hit my microphone stand. That made a weird sound.00:04:00 - 00:04:05Anyway, last time we were together, we spoke about how to choose a design00:04:05 - 00:04:10style for your home. We spoke about Hampton style and contemporary and00:04:10 - 00:04:16modern and all of that sort of thing. But what I'm wondering now is, once00:04:16 - 00:04:21you've chosen the design style for your home, how do you actually put it all00:04:21 - 00:04:27together? Because for a home styling novice like myself, it can It can all feel00:04:27 - 00:04:32a bit overwhelming. Yeah, Yeah, for sure. Can be. Definitely can be. And I00:04:32 - 00:04:38have a lot of questions about all the time, So I get it. Well, I've got some tips00:04:38 - 00:04:42to share with you, Jo, and everyone that's listening. I wanted to start00:04:42 - 00:04:47talking about the seven elements of interior design. These are really important00:04:47 - 00:04:56because it includes space, line, form, light colour, texture and pattern. Now00:04:56 - 00:05:03just think about all these seven, and the key is to keep them balanced in a00:05:03 - 00:05:08really pleasing interior. So that is the key in a lot of different things as well.00:05:08 - 00:05:15Balance is very important, so I just want to say it again. It's space line forms00:05:15 - 00:05:21Light colour texture and pattern. Getting these balanced in your00:05:21 - 00:05:26environment is important, and if you want to write them down, having having00:05:26 - 00:05:31each of these in your space will make it a very pleasing and aesthetically00:05:31 - 00:05:36pleasing interior. That's what you want your place to really start and have a00:05:36 - 00:05:40think about those things. Incorporating those things into your space is00:05:40 - 00:05:45Important. Now for listeners, if you are driving right now or you're running on00:05:45 - 00:05:50the treadmill or something, like walking your dog or whatever, I will have the00:05:50 - 00:05:56list of those seven elements in the show notes if you can't jot it down. That's00:05:56 - 00:06:01fine. Claudia and I have got you covered, So can you tell us a little bit more00:06:01 - 00:06:09about each of those elements? Yeah,00:06:09 - 00:06:14I'll go through. If you also want to mention when I say colours and textures00:06:14 - 00:06:18and pattern. If you're unsure those three their colour, texture and pattern if00:06:18 - 00:06:22you're unsure of where to start with those because it can be quite00:06:22 - 00:06:27overwhelming. My number one tip stick to three colours, three colours or00:06:27 - 00:06:32shades. Don't go more. If you're really overwhelmed with it pick three00:06:32 - 00:06:36colours or three shades. If you've got a good idea of what your colour scheme00:06:36 - 00:06:42is, and if you're not sure, then grab some paint samples or go online and00:06:42 - 00:06:48have a look at what colours work together. So, that's a really handy tip is00:06:48 - 00:06:56stick to 3 colours or shades to start with. Light is really a00:06:56 - 00:07:05important in any space. Natural light is always beautiful feeling in any space,00:07:05 - 00:07:10so natural light. If you don't have enough natural light, then get it happening.00:07:10 - 00:07:17Get a skylight or, you know the windows light is very important aspect and00:07:17 - 00:07:24also lighting artificial lighting. Really think about where the lighting is being00:07:24 - 00:07:30placed and get rid of dark corners and things like that. So there's, um, really00:07:30 - 00:07:35quick sort of tips to really think about it. Incorporate into your home. Texture00:07:35 - 00:07:40is really important as well. To add to your home. You don't want just a blanket00:07:40 - 00:07:44of the same fabric, the same material in your home. You want to add texture00:07:44 - 00:07:48on texture. It's so important and really pleasing to have. And when I say00:07:48 - 00:07:54texture, I mean texture in your furniture pieces in your fabrics, in your decor00:07:54 - 00:08:00accessories in your window furnishings. Adding texture is important00:08:00 - 00:08:03because if you've got everything in a blanket of the same fabric texture of00:08:03 - 00:08:09material, then it starts looking very bland right. Okay, so you could have00:08:09 - 00:08:13that very basic colour palette, which is just three colours. Which sounds great00:08:13 - 00:08:18to me because that sounds just nice and simple. But mixing it up00:08:18 - 00:08:25and adding some depth and interest through texture. OK, I like that.00:08:25 - 00:08:31Another key thing to think about in your space choose a hero piece in each00:08:31 - 00:08:39room. So what I mean by Hero piece is a big, beautiful piece of art or a chest00:08:39 - 00:08:47of drawers, or a fabulous rug in your space. So00:08:47 - 00:08:52really think about what your key pieces in each room and then with that piece00:08:52 - 00:08:55Then you throw until complimenting colours as well that have hints that have00:08:55 - 00:09:02hints of colouring your major piece. So if you've got a big piece of art that's00:09:02 - 00:09:06got some blues through it, incorporate some complimentary blues as well into00:09:06 - 00:09:10the space. So it really works and flows together well, so that's that's another00:09:10 - 00:09:16key tip to think about in getting or interior style, right. How does that sound?00:09:16 - 00:09:22Oh, that sounds great. I love that. It's almost like an anchor for the room00:09:22 - 00:09:29. That's really clever Yes, yes, and anchor your room with a beautiful big rug.00:09:29 - 00:09:35Rugs have a great way of doing that. And rugs are a beautiful, a beautiful way00:09:35 - 00:09:40to add colour and texture and soften the room up as well. So the beautiful rug00:09:40 - 00:09:46really anchor's your room? Well, would there be any styles that are rug00:09:46 - 00:09:49wouldn't work with, Like you know how we were talking about the design00:09:49 - 00:09:55styles, for example, industrial. Can you still have rugs? You can for00:09:55 - 00:10:01sure. Yes, I probably wouldn't put a big plush rug in industrial style, but yeah00:10:01 - 00:10:05, definitely. I think rugs can work in any space, just getting the right texture00:10:05 - 00:10:12and colour. Right? Great. Another tip Jo is a mirrors, mirrors and magical00:10:12 - 00:10:16in a room they really are. They add light and depth in a room and can visually00:10:16 - 00:10:21make a space look better so they could bring white in a room. They00:10:21 - 00:10:25look beautiful, so they could really open up a space too. So have a think about00:10:25 - 00:10:31a mirror and have a think about a big one. I’m all about a00:10:31 - 00:10:36big mirror. You've seen my giant mirror in my old house in Seaford, which we00:10:36 - 00:10:40just left there because we couldn't get it off the wall. So our tenants are00:10:40 - 00:10:48enjoying that mirror. The next thing I want to share as00:10:48 - 00:10:54well Jo is for decorating the rule of three, which is a rule in decorating terms00:10:54 - 00:10:59. It means objects look better in a group of three. So there's this way to follow00:10:59 - 00:11:06the rule of threes to display a matching set of decor so it could be three pieces00:11:06 - 00:11:13Or three frames. It could be three vases also placement different sizes00:11:13 - 00:11:19next to each other. So try not to, have things. the same height as well00:11:19 - 00:11:25. Add two different heights and also so get creating odd numbered00:11:25 - 00:11:33arrangements like 1,3,5. So that's another little decorating. Tips00:11:33 - 00:11:39for you have the rule of three and add interest so add depth by adding00:11:39 - 00:11:45different textures to your items and pieces. Textures really, really00:11:45 - 00:11:51adds interest and also different heights and the rule of three. Next00:11:51 - 00:12:01thing I wanted to also mention is 60 30 10 interior design secret and which00:12:01 - 00:12:08I'm sharing with you all So 60 30 10. It's a timeless decorating rule that can00:12:08 - 00:12:13help you put a colour scheme together really easily. If00:12:13 - 00:12:16you're overwhelmed with colours, you're not sure what to stick to. Stick to00:12:16 - 00:12:22three colours or shades. This tip will help you with this. Also, because the00:12:22 - 00:12:3060 30 10 is a 60% plus the 30% plus the 10% proportion is meant to give you00:12:30 - 00:12:37balance to the colours used in any space. So 60 will be the walls00:12:37 - 00:12:43So that's the majority of the colour. 30% will probably be in your00:12:43 - 00:12:49furniture pieces. in room your armchair,00:12:49 - 00:12:56your coffee table that's your 30. And then your 10% ease your let's say, for00:12:56 - 00:13:01example, your 10% is your cushions, your throws. That's your accent colours00:13:01 - 00:13:07that you're throwing into match the rest of the space. So 60 30 10 is a really00:13:07 - 00:13:13good thing to consider when you're putting a space together. So 60 your00:13:13 - 00:13:20walls, then 30% furniture pieces and 10% is your decor00:13:20 - 00:13:27accessories, for example. So keeping all that balance and also sticking to00:13:27 - 00:13:32three colours or shades to really simplify it for you guys is a good way to start.00:13:32 - 00:13:41Okay, so So then what way would have the walls in one colour for example, And00:13:41 - 00:13:46then you don't have your decor and the accent same colour as the walls. For00:13:46 - 00:13:53example, you just write that 10%. That's like your accent colours. Yes, yes,00:13:53 - 00:14:00that's a good way of putting it s o that will help you understand of how a space00:14:00 - 00:14:04comes to get and how it can slow and look aesthetically pleasing as well.00:14:04 - 00:14:10That's another tip. Okay, good. o amongst all that'll amongst all picking a00:14:10 - 00:14:15colour, speaking the shades getting your style, right? Don't forget00:14:15 - 00:14:18about functionality because you don't want to pick pieces, and I'm going to be00:14:18 - 00:14:23functional. You don't want to pick a two seater when you’ve got a family of00:14:23 - 00:14:28five. So really consider what pieces air going to work in your space, because00:14:28 - 00:14:35if it's not functional than it may not be right. So functionality is really00:14:35 - 00:14:41important. Yeah, about everything. Don't forget when you're picking00:14:41 - 00:14:46Stylish and cool items. If it's not functional, maybe don't get it. So, like the00:14:46 - 00:14:54couch needs to be comfy. Yes, yes, we've got a big family yet Don't get a tiny00:14:54 - 00:14:58little so far with a huge living room as well. So I really think about what's00:14:58 - 00:15:05going to work. Yes, got it Gotta say, though. Claudia and I did a bit of a00:15:05 - 00:15:09shopping trip to Chadstone last year to remember that shopping trip, and we00:15:09 - 00:15:16went to Coco Republic, not sponsored by them or anything way. Their chairs00:15:16 - 00:15:21there are so gorgeous and they're so gorgeous that they look like they would be00:15:21 - 00:15:26ridiculously uncomfortable. And then you sit in them and I don't know what00:15:26 - 00:15:32what they've done. But those chairs are magically comfortable, aren't they?00:15:32 - 00:15:37Goodness, yes. And that furniture is amazing. And it takes three, I think00:15:37 - 00:15:41three. Sometimes six months for these pieces to come delivered to you. So00:15:41 - 00:15:48they're made for you. Well, they are absolutely amazing. Coca Republic. You00:15:48 - 00:15:51haven't been a cheque it out, guys. There's got beautiful pieces. And there00:15:51 - 00:15:56was a mirror there. George. Remember the mirror? Yes. And it was almost00:15:56 - 00:16:01like three days, So he'd say, like 100 of you standing in the back of the mirror00:16:01 - 00:16:06. That makes sense. I remember that. I went, I went Teo. I went to Coco00:16:06 - 00:16:10Republic a couple of weeks ago just to show car. I can't remember the00:16:10 - 00:16:14designer's name, but there's a specific designer has created a ll these amazing00:16:14 - 00:16:18pieces of cocoa a republic. And you know he's got the little show. They've got00:16:18 - 00:16:23like the back, like his little showroom, virtually just to show him that mirror00:16:23 - 00:16:31and designers work is amazing. We're digressing, though, but comfort is and00:16:31 - 00:16:35functionality is important as well. Really important. Don't don't forget about00:16:35 - 00:16:40functionality because you'll be kicking yourself later when, Yeah, it's not00:16:40 - 00:16:45gonna work in your in your space. You just you can just look at it and admire it00:16:45 - 00:16:55. But not any other tips for us to be a ble Teo. Pull it all together. So look,00:16:55 - 00:17:00that's that's, um, really easy sort of interior design decorating tips to start00:17:00 - 00:17:05thinking about to get it right. Onda again. The seven Elements of interior00:17:05 - 00:17:10design. Like I said, John, if you wantto go over it quickly again, so space00:17:10 - 00:17:16line forms light, colour, texture and pattern. There's a really this is the key to00:17:16 - 00:17:21keep everything balanced in your space. S O space is really important. You00:17:21 - 00:17:26want to get your space right and get the feeling right and the lines so the line00:17:26 - 00:17:32means the lines of your furniture pieces. The line. You know you can have a00:17:32 - 00:17:39curved coffee table, softer line on your sofa instead of a harsher line, which is00:17:39 - 00:17:43a more modern style, so sharper lines or a more modern modern style.00:17:43 - 00:17:48Whereas softer lines amore contemporary, more traditional, really think about00:17:48 - 00:17:56the key pieces of furniture when you're buying it as well On DH again light.00:17:56 - 00:18:01We've spoken about light. Yes, enough light in your space Colo are texture00:18:01 - 00:18:06and Patton. And again, you don't get too busy with your patterns, and you tell00:18:06 - 00:18:10us if you want to really simplify it, stick to three colours or shades. Like I said00:18:10 - 00:18:15earlier, that that will really help you find the balance in your space. The right00:18:15 - 00:18:20balance. Amazing. I love that. Those tips of fantastic. They're really practical00:18:20 - 00:18:26. They're easy enough for a novice like myself to understand an implement but00:18:26 - 00:18:32impactful enough to make a huge difference and good, full it altogether. Love00:18:32 - 00:18:36those seven design elements as well. As I said, we'll have those listed in the00:18:36 - 00:18:43show. No, Claudia, that was fantastic. Thank you so much for so glad If00:18:43 - 00:18:48people have any questions or they want Teo, get some more tips because00:18:48 - 00:18:53you've got loads of great tips on your website. Instagram and Facebook. How00:18:53 - 00:18:58can they get in contact with you? And how can they follow you and learn from00:18:58 - 00:19:04you? Yeah, I'm on Instagram and Facebook, the Renovate Avenue and also00:19:04 - 00:19:08my website. There were never any avenue dot com es so you can get in touch00:19:08 - 00:19:13through either of those avenues. I am always happy to track. They can get in00:19:13 - 00:19:25contact with the renovate avenue through any of those avenues. Yes, a again,00:19:25 - 00:19:28Thank you so much. And I look forward to chatting with you Claudia again in00:19:28 - 00:19:34about four weeks time about a month's time. And this time we are going to be00:19:34 - 00:19:41talking about how to create a style board. And that's a really important part00:19:41 - 00:19:47ofthe styling. Your home, isn't it? Yes, yes, this is fun. This is fun as well.00:19:47 - 00:19:52So it's all fun. Really. It's so much looking forward to that. Thank you again00:19:52 - 00:19:56for joining me and thank you, everyone for tuning in. Bye bye. Thank you.00:19:56 - 00:20:01Thanks for joining us on the dream home movement. Be sure to come over00:20:01 - 00:20:06and say hi on Facebook and Instagram. I hope that your dream home projects00:20:06 - 00:20:10are going well and I look forward to chatting with you again next week

Incredible interview with TikTok Influencer, Jon Dawson!

In this episode, friend of the show Cluadia Brdar explains how to choose a design style for your home or investment propertyClaudia takes us through:The main types of home design styles, including contemporary, traditional and HamptonsThe features of the different design styles such as colour palettes and texturesHow to decide which style to use in your homeThis episode is part of a very special DIY renovation series.⠀Claudia from @therenovateavenue and Founder of the DIY Renovation Academy will join us once a month on the show to take you through EVERYTHING you need to know to DIY your reno.⠀⠀This is like a little sneak peek into her super popular DIY Renovation Academy course.⠀⠀This series is exclusively for Dream Home Movement listeners.Follow the Claudia and The Renovate AvenueFacebookInstagramWebsiteFollow the Dream Home MovementFacebookInstagramWebFollow Carl and Jo VioletaFacebookInstagramWebGuest bioClaudia and her husband Pete have renovated small properties right through to large scale projects. Several years ago they bought a run-down 1960's weatherboard house (purchased for $460K) and ended up completing a major renovation ($75K), creating a beautiful sought after home ... on a tight budget! They set the suburb record for a property price of $1.035 million (2017)!They're currently renovating a 1960's brick house to sell.Both Pete and Claudia have a real hands-on DIY approach when it comes to renovating, focusing on achieving that ‘WOW’ factor ... thinking bigger, outside-the-box, and never afraid to take a risk.Claudia created The Renovate Avenue to share her knowledge, and inspire others to climb the property market via the renovation avenue, building a financially stable future to retire earlier (and do what you love).Transcript*This transcript is automated, so may not be 100% accurate*00:00:00 - 00:00:05you want to know what I think is really exciting, it's that there are so many00:00:05 - 00:00:10different design stars that you can choose from for your house or your property00:00:10 - 00:00:15. You want to know what I think is really overwhelming and confusing that00:00:15 - 00:00:19there are so many different designs, tiles that you can choose from for your00:00:19 - 00:00:25house and property. So to help me out and I can't be alone with this problem,00:00:25 - 00:00:30I'm sure to help me out. I invited Claudia Baradar from the Renovate Avenue00:00:30 - 00:00:38on the show to talk to us about how to choose a design style for your house or00:00:38 - 00:00:43property. Eso. When I keep saying or property, it could be your investment00:00:43 - 00:00:48property that you're going to have tenanted or your house that you are going to00:00:48 - 00:00:53live in. So in this episode, Claudie will take us through the different types of00:00:53 - 00:01:01design styles, how to choose a design style based on your personal style, thie00:01:01 - 00:01:10actual property, the environment that the pop property is located in, and also00:01:10 - 00:01:16what you're actually going to use the property. For now, if Claudia's name00:01:16 - 00:01:22sounds familiar, then I'm guessing you're a regular listener to the show Claudia00:01:22 - 00:01:29came on last season and did a bit of a miniseries for us on how to plan a00:01:29 - 00:01:34renovation project. And to now we're kind of taking it to the next step. And00:01:34 - 00:01:40she is joining us again this season, Season five, to do another little miniseries00:01:40 - 00:01:46on How to style your property. So this week we're looking at in this episode, I00:01:46 - 00:01:50should say we're looking at choosing your design style when she comes back00:01:50 - 00:01:55again in about a month's time. We're going tio, explore how to make your00:01:55 - 00:02:00home Starling work when you've chosen your design style. And then she's00:02:00 - 00:02:06going to come back for the final episode off her little exclusive miniseries for00:02:06 - 00:02:12the Dream Home Movement and talk about how to create a style board or some00:02:12 - 00:02:18people call it a mood board. So I'm so high up. Tio, have Claudia coming00:02:18 - 00:02:23back on the show again for another exclusive miniseries. We are so lucky.00:02:23 - 00:02:29And before we get stuck into my interview with Claudia, I would like to00:02:29 - 00:02:34introduce myself in case we haven't already met. My name's Joe via letter E.00:02:34 - 00:02:39I'm the host of this show, and I also own a business called Violet of finance.00:02:39 - 00:02:46With my husband, Carl, we help people secure home loans, property00:02:46 - 00:02:52investment loans, refinance their mortgages to save money on their payments00:02:52 - 00:02:59and or to finance their home renovations So you can find us at Violet of finance00:02:59 - 00:03:07. It's just got one T v i o L. A finance on the Internet. We've got a website on00:03:07 - 00:03:13instagram and also on Facebook. So thank you so much for tuning in. Lovely00:03:13 - 00:03:17to meet you if I haven't done so already. And now over to my chat with00:03:17 - 00:03:22Claudia, Welcome to the Dream Home movement. This's your weekly dose of00:03:22 - 00:03:28home and property inspiration bring you clever tips and advice from the very00:03:28 - 00:03:40best experts and really like Renno storeys with your host Joe Violeta. Claudia,00:03:40 - 00:03:43thank you so much for joining me on the dream home movement today. It's00:03:43 - 00:03:48lovely to chat with you again. Love being here. I love having a chat with you.00:03:48 - 00:03:54Now what we're talking about today is how to choose your design style. And00:03:54 - 00:03:58this is something that I'm particularly interested in because we're buying a new00:03:58 - 00:04:07home soon. So we're going to take that opportunity, Teo, just reet restyle like00:04:07 - 00:04:11from the beginning, the entire place. We've had all our furniture for ages. So00:04:11 - 00:04:17we're looking at starting again, and I'm just so overwhelmed and confused00:04:17 - 00:04:24about what style to choose. There seems to be so many choices out there. So00:04:24 - 00:04:29what are some of the different design styles we can choose from? Let's start at00:04:29 - 00:04:32that point, and then we'll figure out how we actually choose. What is there to00:04:32 - 00:04:39choose from? Okay, look, there's a fair, few different styles, Joe. It can be00:04:39 - 00:04:44overwhelming. I know there's so many different designs out there. Look, let's00:04:44 - 00:04:50start with contemporary style because I think it's the most popular one, and it's00:04:50 - 00:04:55usually what's in style right now. So it's the current trends at the moment,00:04:55 - 00:05:01contemporary style. So if you're not sure what contemporary style looks like,00:05:01 - 00:05:05then you can try going to the mainstream retail stores such as freedom and00:05:05 - 00:05:11Design, and you'll soon get an idea of what the current trends are and where00:05:11 - 00:05:15they're at. That's usually your contemporary style, just to make it easier just to00:05:15 - 00:05:23give you a tip. Then you've got your traditional style, which is usually feature00:05:23 - 00:05:28pieces made from dark woods. Their ornate Lee, detailed as well and00:05:28 - 00:05:34traditional design draws its inspiration from 18th and 19th century England and00:05:34 - 00:05:40France. So this explains why it's common to find EXP offensive textiles like00:05:40 - 00:05:47silk, velvet and linen used in upholstery to curtains as well. And the fabrics00:05:47 - 00:05:52feature a variety of different patterns, such as florals, stripes and plaids as00:05:52 - 00:06:00well. So that's just sort of traditional style And what it looks like a traditional00:06:00 - 00:06:05eso contemporary that, Yeah, that would change often then, wouldn't it? So00:06:05 - 00:06:10what? Okay, so what's contemporary style now would be different to what00:06:10 - 00:06:14was contemporary style a couple of years. That's right. That's right. Yeah,00:06:14 - 00:06:18people get contemporary and modern sort of mixed up. The contemporary is00:06:18 - 00:06:24quite what's in trend now what styles Aaron fashion in trend now. So, like I00:06:24 - 00:06:28said, Teo, if you go into shops like freedom, it will give you an idea of what00:06:28 - 00:06:34in style at the moment. Okay, got it and then traditional. So I like watching00:06:34 - 00:06:37Do you watch the crown? I like watching that show the crown about the royal00:06:37 - 00:06:44family. It's quite good. So when you just described traditional that I'm Justin00:06:44 - 00:06:50visit, envisioning scenes from the crown. It would. I guess it's that kind of00:06:50 - 00:06:59royal traditional style, European style, almost that's your more traditional00:06:59 - 00:07:05style. Then we've got something about the Hampton style, which is quite00:07:05 - 00:07:10seaside coastal inspired, so you'll see a lot of the houses around the coast00:07:10 - 00:07:15Hamptons style inspired, and they've got your plantation shutters, your00:07:15 - 00:07:22nautical style decor, timber floor boards to the moulding, a long hallways and00:07:22 - 00:07:28staircases. Then it's also blue and white striped patterns for pillows, just to00:07:28 - 00:07:35give you a visual idea as well. White plush sofas. The painter Whitewood s.00:07:35 - 00:07:40O. Yet the intention is to create a relaxed, style, comfortable environment that00:07:40 - 00:07:46is inspired by the beach in the ocean. So that's your Hamptons style that's very00:07:46 - 00:07:55popular here on the Peninsula Hampton style. I've noticed E. S E. Touched on00:07:55 - 00:07:59. Modern Modern is a broad designed term, I think, and like I said to you00:07:59 - 00:08:05before modern and contemporary style often get mixed up. Modern refers to a00:08:05 - 00:08:11home with clean, crisp, sharp lines. It's a simple colour palette. Thie use of00:08:11 - 00:08:18materials is usually metal, glass and steel, and modern design also employs a00:08:18 - 00:08:26sense of simplicity and in every element including the furniture. So its sleek00:08:26 - 00:08:35there's not much clutter, sharp lines, and that's more of a modern style. Yeah,00:08:35 - 00:08:41that does so. The modern is very different. Teo temporary. I thought they00:08:41 - 00:08:45were the same thing, but they're very different. Got a lot of people. A lot of00:08:45 - 00:08:51people think modern contemporary are the same style, but there is a difference00:08:51 - 00:08:56there. That's probably a good way off describing contemporary and what I'm00:08:56 - 00:09:01just a difference in them. Eso There's also mid century modern. This's another00:09:01 - 00:09:07type of modern style just to confuse everyone. So mid Century Modern is a00:09:07 - 00:09:12streamline retro look that was popular in the 19 fifties and sixties, and it's a00:09:12 - 00:09:18classic decorating style that has really never gone out of fashion. It focuses on00:09:18 - 00:09:22functionality, too, so it's more the retro style really big in the fifties and sixties00:09:22 - 00:09:30. I quite like that, and again that the mid century modern is quite popular here00:09:30 - 00:09:34around the morning to peninsula as well, because you've got those houses from00:09:34 - 00:09:42that error and people are trying Teo freshen them up, but still keep the essence00:09:42 - 00:09:47of the original high. Yes, yes, exactly. And it's I think it's a great idea doing00:09:47 - 00:09:50that as well. So it, like you say, keeping the essence of the home and the style00:09:50 - 00:09:56that it was built in. I think if you've got an old with aboard house by the sea, I00:09:56 - 00:10:01think putting something in that theon visit of what that style leaves and what if00:10:01 - 00:10:05the body is going against it is probably not a great idea. So it's really00:10:05 - 00:10:10embracing when it was built in embracing that, So that's that's what that's my00:10:10 - 00:10:16opinion. But then we've got industrial style, so that's an urban look with an00:10:16 - 00:10:23edge. Industrial is characterised by raw textures, exposed materials such as00:10:23 - 00:10:28bricks and metal fixtures and finishes. I think of a really cool warehouse in00:10:28 - 00:10:35New York, my ideal place to live with stripped timber for awards, concrete00:10:35 - 00:10:41flaws, exposed beings, metal pipes and really low lighting. I quite like that00:10:41 - 00:10:47style, but it's not for everyone as well. So that's your industrial style. I love00:10:47 - 00:10:54that style it is, and I do picture it being like a loft in New York, with some00:10:54 - 00:10:59really gorgeous artwork from an up and coming artists on the walls and that00:10:59 - 00:11:05sort of stuff very very. I don't know if I'm quite cool enough for that. I would00:11:05 - 00:11:10like to pay e Love that style as well. What else? Have weak up? Another style00:11:10 - 00:11:17. Eclectic, So it collected his quite quirky fun. It's very mismatched. There's00:11:17 - 00:11:21no matching zour formatted patterns. It's just pretty much anything goes. But00:11:21 - 00:11:27it's done in a really fun on quirky style, so mixture of pieces as well could be00:11:27 - 00:11:33new and old pieces to S O. That's why eclectic is quite fun and that embodies00:11:33 - 00:11:38the person that lives there. I think is, well, that Yeah, I see. I see Cem00:11:38 - 00:11:43eclectic rooms on instagram. But I get would that be a hard look to pull off?00:11:43 - 00:11:47Do you think If you're not quite sure what you're doing and get it wrong, you00:11:47 - 00:11:51could definitely get it wrong. So it's really having an eye for colour and pattern00:11:51 - 00:11:56yet and having a bit of fun with it. A cz well, but it can. It can look quite zany00:11:56 - 00:12:03. Maybe if if there's too much going just like embrace the zaniness Gracia in a00:12:03 - 00:12:11freak s o. And there's also Bohemian, which is quite popular. A swell and00:12:11 - 00:12:14bohemian Khun mix up with contemporary because we're behaving. It is quite00:12:14 - 00:12:19on trend at the moment, and it embodies a sort of free form flowing. Ah, lot00:12:19 - 00:12:23of plants. You know, a lot of the chroma at the moment, which is very00:12:23 - 00:12:30popular and a lot of wicker A cz Well, so Bahamian is quite quite on trended00:12:30 - 00:12:35moment as well. It is. It's all about the weaker right now. Yes, love a bit of00:12:35 - 00:12:39makeup. So this is I mean, look that some of our styles that we've got00:12:39 - 00:12:45happening at the moment there's there's Mohr a CZ Well, that that's probably00:12:45 - 00:12:52the main ones that I've covered very briefly. Okay, good. So once we're00:12:52 - 00:12:58aware of what all the different design styles are, how do we decide which style00:12:58 - 00:13:04Teo use in our home? Yeah, OK. Eso Joe, this really depends on what00:13:04 - 00:13:11outcome you want for your home or property first. So So start at the end and00:13:11 - 00:13:15look, think about why you're keen and getting your style right. Are you00:13:15 - 00:13:20looking to sell your home or you wanting to stay There s o really have a think00:13:20 - 00:13:24about what the outcome is for you. What? The right outcome is, and that way00:13:24 - 00:13:27we'll give you a good road. Teo travel and know which way you're heading.00:13:27 - 00:13:32So are you planning on staying in your home for the next 20 years? Or are you00:13:32 - 00:13:36wanting to get the best price for your potential buyers? So knowing exactly00:13:36 - 00:13:42what it is that you want to achieve and then implementing the right style based00:13:42 - 00:13:48on that, it will differ for each of the outcomes. Joe. So if you are planning to00:13:48 - 00:13:53sell than design your home for your best potential buyers, make your property00:13:53 - 00:14:00is beautiful as possible. Choose a contemporary design, so a current style on00:14:00 - 00:14:04DH. Incorporate current styles, making the space look and feel desirable and00:14:04 - 00:14:08inviting a cz well for your potential buyers. If you have a home by the coast in00:14:08 - 00:14:13the peninsula, then consider a Hamptons or coastal resort style. That's the best00:14:13 - 00:14:18way to go. Maybe stay away from industrial industrial or eclectic style. And00:14:18 - 00:14:25don't put your Gothic doll collection on this way, wanting to sell at the best00:14:25 - 00:14:31possible price, then really keep your style. Have a think about the potential00:14:31 - 00:14:35buyers that are coming looking at your property and really design and style for00:14:35 - 00:14:42them, Not not for you. So if you desire, if it decided to stay in your home and00:14:42 - 00:14:48and you want to really make it authentic, then I truly believe that home should00:14:48 - 00:14:53be a reflection of who we are. And if you're not sure where to start, and I've00:14:53 - 00:14:59got some tips right for any of you that want to get started. So answer yourself,00:14:59 - 00:15:05Joe. So first things first to really get a picture of what your style is and what00:15:05 - 00:15:10will really work for you and your family looking your closet and noticed the00:15:10 - 00:15:15styles that you wear. Notice what you love what pieces draw you in and00:15:15 - 00:15:20inspire and have a good look and see what colour is. The patterns are your00:15:20 - 00:15:25favourite. Firstly, just have a really good think about what draws your eye,00:15:25 - 00:15:31Teo. Certain pieces in your closet. That's number one thing I can suggest. E I00:15:31 - 00:15:39never would have thought to do that in your closet. Also just backtracking a00:15:39 - 00:15:46little bit. Thanks for the tip on putting my gossip doll collection away. I will00:15:46 - 00:15:54put that into storage if ever I sell s o you looking a closet. Have a look at what00:15:54 - 00:15:58pieces You absolutely love these air address that you love the Excuse me, the00:15:58 - 00:16:02patterns The Colo Urs, what really draws you in? Even if you go out shopping00:16:02 - 00:16:06, what has always drawn you in what pieces? What colours again? Like I said00:16:06 - 00:16:12, what is it that you love? Next thing is look at your favourite most love.00:16:12 - 00:16:15Peace is in your house and bring them all together and notice what you love00:16:15 - 00:16:20about these objects again. The lines the Colo Urs, What does it provide to you00:16:20 - 00:16:27? What emotion does it a vote so really Get to know what you love. That's how00:16:27 - 00:16:34you start next. I would suggest if you're not already on instagram or interest,00:16:34 - 00:16:40create an account and start searching and saving images off various interior00:16:40 - 00:16:44styles and spaces that you absolutely love that resonate with you that evoke00:16:44 - 00:16:51really good emotion. Start saving those images, screenshot ing them, and and00:16:51 - 00:16:55that you'll start noticing. A common theme is well within the images that you00:16:55 - 00:17:02saved. You will start taking notice of all the torus and the tones and the styles00:17:02 - 00:17:08and these sort of images. Will there'll be a on almost flow and a common00:17:08 - 00:17:13theme that will that will come to you. So it will really indicate what sort of00:17:13 - 00:17:23style you like. Right? So that's a really good three tips to start with, just to get00:17:23 - 00:17:29an idea off. What you like what you love, right? Okay, So think off the00:17:29 - 00:17:36purpose for the styling. Is it to sell toe livin and benefits to sell its a little bit of00:17:36 - 00:17:41a different approach? We're going Mohr, like modern or contemporary. Sorry00:17:41 - 00:17:45. No, no modern modernism, modern or contemporary. We're going00:17:45 - 00:17:52contemporary, continue current current. But if it's for us to live in, then we00:17:52 - 00:17:57really wanted to reflect us. And so you're almost going on like a little jenny of00:17:57 - 00:18:04self discovery. You like, you want to find the authentic you you want to make00:18:04 - 00:18:08your space something that you will love. And when you walk into you, it will00:18:08 - 00:18:13evoke positive emotion. Yes, for sure. So you want to create something that00:18:13 - 00:18:17you will enjoy and that you will find inviting for you and the people that leave00:18:17 - 00:18:23your family. Okay. Now we touched a bit on the difference between styling00:18:23 - 00:18:29for yourself and styling for sale. Is there any difference between the way we00:18:29 - 00:18:34should style our property if we're wanting to get tenants into it apart? A00:18:34 - 00:18:40supposed to selling it? Is that different, or is it pretty much the same? Yeah,00:18:40 - 00:18:45pretty much the same for your tenants. I mean, it's your investment property.00:18:45 - 00:18:50You want to get top dollar for it as well. You also want to create an00:18:50 - 00:18:53environment for attendance of they're gonna love because they'll look after00:18:53 - 00:18:59your look after the home as well. So I would invest some money into that so00:18:59 - 00:19:04you can also get the most out of it. And again, it's getting the most out of your00:19:04 - 00:19:08rental income as your investment property and also for your tenants. So I00:19:08 - 00:19:15would also create a beautiful environment for tenants to. So obviously, you're00:19:15 - 00:19:22not putting us much money. A cz you are a mature investment property. But00:19:22 - 00:19:25again, just be smart about how much you're putting into your investment00:19:25 - 00:19:31compared to your forever home and does very yeah, okay, but still do put a bit00:19:31 - 00:19:40of love into it to try to attack, not attack, attract thanked the right tenants00:19:40 - 00:19:45exactly exactly what air some practical tips. We've already covered a few of00:19:45 - 00:19:50them, but let's just give everyone a really practical action plan. So tips that00:19:50 - 00:19:58listeners can do straightaway to really get their style choice sorted. Sure, All00:19:58 - 00:20:04right. So number one Why are you wanting to design and style your property?00:20:04 - 00:20:08What's the outcome you want to achieve? That's your number one with a start.00:20:08 - 00:20:13Number two. How do you ascertain what style to incorporate, So once you00:20:13 - 00:20:18know your outcome, then work out what style it is you're going to create, the00:20:18 - 00:20:20one that will work best and in line with your outcome. So the one that will00:20:20 - 00:20:26bring the most value to you Number three is start researching. So start00:20:26 - 00:20:30researching now. That's where you can start. Well, if you're selling than00:20:30 - 00:20:34research properties in the area and take notes on what other properties have00:20:34 - 00:20:38created and what they're sold for, So go to the properties. If they're on sale in00:20:38 - 00:20:43the area and have a look, they would see what others have done and also see00:20:43 - 00:20:49what properties have reached in sale time as well. So if you're staying put like00:20:49 - 00:20:53I said, if you want to stay in your forever home. Then work out your best. I'll00:20:53 - 00:20:57know your authentic self and know what you'll love tourists around yourself00:20:57 - 00:21:00with the most what will work for you. What? We will make you the most00:21:00 - 00:21:06happiest. Yes, those those three to start with now. Perfect. I love it. Well, I00:21:06 - 00:21:10personally am going to start to pull everything out my wardrobe and have a00:21:10 - 00:21:15look. And I got I got a pretty good idea of what I like a ce faras clothing goes00:21:15 - 00:21:24very plain and lots of blue and white stripes go Hampton style. I think so. I00:21:24 - 00:21:32think so. The great the great flag. Well, e I just need to move to grace I e00:21:32 - 00:21:39quite well, e that's what it is. A Hampton style. Joe, if you're saying blues00:21:39 - 00:21:46and whites possibly maybe a coastal thing a resort style, that sounds good to00:21:46 - 00:21:50me. Well, thank you so much, Claudia. That was so informative for everyone00:21:50 - 00:21:57listening. I would love to see, I'd love to hear from you and hear what your00:21:57 - 00:22:00style is. So I'd love to hear the outcomes from you pulling everything out of00:22:00 - 00:22:04your wardrobe. Looking at the stuff in your around your house And how you00:22:04 - 00:22:10decide what your style is. Let me know. Message me on Facebook or00:22:10 - 00:22:15instagram a dream home movement and let me know what your personal00:22:15 - 00:22:21design style is And let Claudia No. A cz. Well, Claudia, how can people find00:22:21 - 00:22:26you follow you contact you or that sort of stuff? Yeah. Instagram Facebook.00:22:26 - 00:22:31I'm on there. The renovate Avenue s O. Please get in touch. Say hello. And if00:22:31 - 00:22:35you want to dive deeper into choosing your design style, I highly recommend00:22:35 - 00:22:39that you cheque out Claudia's course as well. Claudia, can you tell us a little00:22:39 - 00:22:44bit about your course? Yes, The D I Y renovation academy. It's an online00:22:44 - 00:22:49course, and also you get a one on one assistance with myself. And there's also00:22:49 - 00:22:53a Facebook group, eh? So we get to support each other through our renovation00:22:53 - 00:22:58journey, so you'll find all that information on my website. And also social00:22:58 - 00:23:02media, Facebook and Instagram. Brilliant. Thank you so much, Claudia, I'm00:23:02 - 00:23:08looking forward to chatting of you again in about four weeks time. Make sure00:23:08 - 00:23:14you tune in for that episode. We are going to talk about how to make your00:23:14 - 00:23:19home styling work. So once you've chosen your design style that your mission00:23:19 - 00:23:23for the next month, you then need to figure out Well, how do I actually make00:23:23 - 00:23:27this work? And that's what we will be covering next time I chat with Claudia00:23:27 - 00:23:33in about four weeks time. Until then, Do tune in again next week and make00:23:33 - 00:23:37sure that you subscribe to the podcast. So you never miss an episode. Thank00:23:37 - 00:23:46you so much for tuning in by listeners by Claudia. Thank you. Thanks for00:23:46 - 00:23:50joining us on the Dream home movement. Be sure to come over and say hi on00:23:50 - 00:23:55Facebook and Instagram. I hope that your dream home projects are going well00:23:55 - 00:23:58and I look forward to chatting with you again next week.

Claudia Brdar Claudia from The Renovate Avenue shares practical advice on how to choose an property (for investment purposes)We cover:Choosing a suburb to invest inWhat to look for in the propertyChecking quality and structure of the propertyThis episode is part of a very special DIY renovation series.⠀Claudia from @therenovateavenue and Founder of the DIY Renovation Academy will join us once a month on the show to take you through EVERYTHING you need to know to DIY your reno.⠀⠀This is like a little sneak peek into her super popular DIY Renovation Academy course.⠀⠀This series is exclusively for Dream Home Movement listeners.**This episode of the Dream Home Movement was recorded live at the RPPFM**Follow the Claudia and The Renovate AvenueFacebookInstagramWebsiteFollow the Dream Home MovementFacebookInstagramWebFollow Carl and Jo VioletaFacebookInstagramWebGuest bioClaudia and her husband Pete have renovated small properties right through to large scale projects. Several years ago they bought a run-down 1960's weatherboard house (purchased for $460K) and ended up completing a major renovation ($75K), creating a beautiful sought after home ... on a tight budget! They set the suburb record for a property price of $1.035 million (2017)!They're currently renovating a 1960's brick house to sell.Both Pete and Claudia have a real hands-on DIY approach when it comes to renovating, focusing on achieving that ‘WOW’ factor ... thinking bigger, outside-the-box, and never afraid to take a risk.Claudia created The Renovate Avenue to share her knowledge, and inspire others to climb the property market via the renovation avenue, building a financially stable future to retire earlier (and do what you love).Transcript*This transcript is automated, so may not be 100% accurate*(00:00):Welcome to the dream home movement. This is your weekly dose of home and property inspiration, bringing you clever tips and advice from the very best experts and real-life Reno stories with your host, Jo.(00:16):Yeah.(00:23):On this episode, we are looking at how to choose a property to renovate. So we're going to unpack how to read, how to actually research suburbs and also what you're looking for in that, in the property that you're purchasing, what to look out for and to help us with that. We have friend of the show, show regular Claudia Brdar from The Renovate Avenue. Now, if you haven't met Claudia before, or if you're a new listener to the show, Claudia is a renovation and home-style specialist on any budget. And she's the founder of The DIY Renovation Academy. I am a student of The DIY Renovation Academy. I'm learning so much. It's excellent. And basically what the course does is that it helps you to learn to succeed with your renovation. And it just covers everything like all the way from the planning to the styling, to choosing trades everything.(01:27):So welcome to the studio. Claudia. It's lovely to have you here. Thank you so much, Jo. I'm really happy that you've invited me to the show again. I'm I'm excited. Thank you. I'm enjoying this monthly series that we're doing. I think our listeners are going to get a lot of value from it and this topic I'm particularly interested in because it's just so important and buying a property is such a huge, huge investment. But talking about a lot of money here. Yes. Yeah. We're not choosing which margarine and we're going to, or if you don't use much, we're going to buy, like this is a big deal. Yeah, that's right. Alrighty. Let's start with not the property, but the actual area because where you buy your property is so important. So do you have sort of like a method or a process for researching neighbourhoods and suburbs to buy in?(02:21):Yep. So look, firstly, don't ever buy a property on impulse. Do your research. It takes time to do research you know, you really need to know the area that you're looking at buying into what's around. Is there a school around, is there childcare what facilities are there close by? What's the transport like? Are there buses around, is there a train station close by what other facilities are around in regards to shopping medical centres, things like that are really important when researching and finding the right property the sort of neighbourhoods tend to be popular more so with, so definitely(03:00):Do your research there and know what area you're looking into for sure. And also talking to real estate agents too. And I think real estate agents get a bad rep, Joe, but there's some really good honest and knowledgeable real estate agents that you can talk to and get some information from in regards to the property in the area properties there in the area. And I guess you would also, depending on what you want to do with the property. So if you wanted to resell it that's right. You would be looking at capital growth in that that's right. That area. I mean, I know we've gone through a bit of a market downturn lately, but be looking sort of at very long term trends or yes. I mean, it depends on when you're wanting to sell and rental yields as well, if that's right.(03:44):That's right until yields too. So yeah, your numbers and, and also, yeah, those are manatees are so important. Aren't they people that are looking for properties, people with families more so want a property where there's school nearby there's facilities, there's transport. That's really important. There's also another tip that I wanted to share as well. So do you know what a sister suburb is? Joe? No. Tell me, so sister suburb is a suburb where it's the same distance from the city to a popular suburb. So, okay. So there's, there's areas out there that are quite significant in property growth and in price as well. And there's also the sister suburbs, which are on the opposite side, but at the same distance from the city that may not cost as much as buying in a more popular suburb. So I've done that in the past with a property.(04:45):It was a sister Saba was about 15 Ks from the city and we renovated a property property there. It was right next to the train station and it was also next to schools and other facilities too. And we did extremely well in that area. It was a sister suburb. Like it feels about 15 Ks from the city, but it was in the Northern direction. So really do your research. There's suburbs out there that are untouched. When I say untouched, there's a lot of properties out there that are un-renovated and they're there they're goldmines ready to go to be renovated. So that sister suburbs that's really clever. So check that out, have a look at the areas and know exactly how far particular areas are from the city and then look in other directions as well. So don't just look in the one area really try to see what else is out there in the opposite directions. Like I said, so they're the sister suburbs. Wow. That is, I like that. That's a new phrase for me to add a little bit of a tip for you. So once you've decided on the area that you'd like to buy in, or the areas(05:58):That you're going to look at, house hunting, what are your tips?(06:03):So what are you looking for when you're choosing an investment property to renovate? Yeah, sure. Is the building and roof structurally sound? You need to really know, don't just take the agent's word for it. Really have a look, get an independent building inspector in if that's what you need to do, just remember this is the biggest purchase of your life. So get in an expert to have a look. If a house has a need re stumping, does, does the plumbing need to be redone? Really have a look at the overall structure of the property to an, a building inspector can check out the overall quality of the house and you know exactly what you're getting into before you sign on the dotted line and hand over your money. Also does the house have the right number of rooms to suit your needs?(06:44):So how many rooms does it have? And how much work does does need to be done? How much will you need to spend to get that property up to a level where you want to get it to? So knowing exactly what you're getting yourself into, I've got a due diligence sheet that I give my students and they can run through everything. There's a list they can tick off once they've checked it out and they know exactly where, what needs to be done and what work, what work will need to be completed. Check your plumbing to avoid plumbing issues. What are the neighborhood know noise levels like? So is there a freeway nearby? What are the sound levels like? These are an airport nearby. It's like on that movie the castle castle, well, there'd be an airplane flying over, you know, every hour. So does the house have good natural light as well? Is it dark and dingy in there? Do you need to, will you need to open it up with more windows and or doors and if you need to get a building report as well for termites and pest inspection, if, if that's what you want to do to, that's a good idea to do as well.(08:04):Oh, that's a really good tip. Can I share a wacky tip? Yeah. Okay. So this might sound really weird, but trust me, if you don't check this, you're gonna regret it. Yup. Go into the toilet. Yes. Right. Close the door and turn around in a 360 degree circle and just make sure that there isn't make sure there's enough room in there. Because the reason I say that is we lived in a house a while back and the toilet, when you just looked at it, it was like a separate toilet to the bathroom and you just looked at it. It looked like it was a good, decent size, but then you'd go in. And like every time I would go in, I would close the door and then turn around and I would knock the toilet paper off the toilet paper holder because it just was, it was just a bit too. Yeah.(08:56):In there. I said, that's very random tip something. I wish. Yeah. That's a good one. I like that. Thank you very gracious to say that you like that too like that, but I'll also things such as when people, when you see people going to house inspections and they're knocking on walls, cause they're trying to act like they know what they're looking at. Which my father in law does, and he's a carpenter slash builder for the last 40 years. And he does know when he's not here at stuff and he listens to the sand. He knows what's going on. But also things like checking the windows, opening and closing the windows and seeing if they get stuck on the hinge that I easy to open and close looking for signs of deafness or mold as well. The last house we renovated there was mold everywhere.(09:45):There was no ventilation. So just, just really looking at stuff like that. Also checking to see if the taps are running, listening for sounds. So, you know, when sometimes you turn taps on and you can hear a banging sound in the pipes yet listening for that. Cause that will be a telltale sign of plumbing issues. Things such as that are really important. Looking at defects, looking at squeaking in the floor looking up at the ceiling, just looking up and down and yeah, when you're going to toilet do a three 60 being really aware of cracks and spots and creaking, just so you know exactly where you're at with the house and what will need to be done. We'll give you more insight, give you much more insight into what work will need to be undertaken. Yeah, definitely. And if you're, yeah, if you're renting, gonna buy that house and you're renovating for profit in whatever form that takes, then you would run last episode.(10:41):Claudia ran us through her calculation to figure out whether a property is going to be profitable. And so, yeah, checking what you're actually going to be working with, checking for those creeks and cracks. And that sort of thing is something that you would need to factor in to make sure that it is actually going to be profitable. That's a, that's a really good point. And with the cracks, you've got to look carefully, haven't you? Because a lot of really clever painters will paint in a way that kind of covers up those cracks quite nicely. Then you're in the house for three months and you're like, Oh yeah, exactly. Giant crack. Yeah. That's right. Come from that's right. Yeah. So have a look and you know, what, if there's carpet have a look with under the carpet, if there's floorboards on there, I sweat when I go into an old house and there's carpet, if there's floorboards underneath, I swear I do a happy dance because I know that, Oh, this is fantastic. All I've got to do is now sand, hopefully sand and Polish, those floorboards. So it's like an added bonus and most of the older house has got the floorboards underneath the carpet. So yeah, do that as well. Lift up the carpet when no one's looking in the corner, you'll have that, those amazingly beautiful high quality floorboards underneath, underneath that's right. Okay. So we all now NAR what to(11:54):Look for when we're going to buy a property to renovate. Thank you so much. I feel like I've got a really good like action plan to look for again, Claudia, thank you so much for coming in tonight. I really appreciate it. And this wraps up our little mini series that we've done as part of season three, with Claudia, where we were looking at planning your renovation. So this has been a lot of fun. Thank you so much. You're welcome. I'm so happy to be speaking about this and sharing my information and my experiences. So you're welcome, Joe. Well, I'm going to put you on the spot here now and say, will you come back? And I think we'll move on to styling and design now. Oh, I love it. That's like dressing the cake. That's the fun stuff. Everything. It's all fun when it comes to renovation for me, but sounds good. I'll be there. Awesome. I can, I'm looking forward to it. So Claudia is back doing a monthly special guest appearance, little miniseries and we're covering styling and design.(13:01):Hey, thank you so much for tuning into this episode of the dream home movement. Now, just to let you know, this episode was actually recorded to Claudia and I recorded it back in October. I think it was 2019 and it's now I'm editing it now in May, 2020. I think it will be released in June, 2020. So as you know, if you're a regular listener to the show, I do have a bit of a, a library, a backlog of episodes that I'm working my way through. But we will, we will get there. And as Gloria and I mentioned, she will be back for another little mini series of episodes coming out once a month. Hopefully I can keep my skin, my editing and publishing schedule on track. Yeah, she would be, there'll be another monthly mini series with Claudia, with styling and design tips. I want to thank you again so much for tuning in.(14:02):And if you enjoyed this episode, which hopefully you did, if you got to the end of it, I would love it. If you could leave me a beautiful five star review and do a subscribe, couldn't think of what I wanted to say. Please review and subscribe. I'm going to go now. I can't talk anymore. I hope you have a lovely day and I will see you again. Or I will speak to you again soon. Bye. Thanks for joining us on the dream home movement. Be sure to come over and say hi on Facebook and Instagram. I hope that your dream home projects are going well. And I look forward to chatting with you again next week.

Austin Tolliver  is a new artist gaining popularity across the world and has over 38K Instagram followers and increasing daily.  Austin is originally from Louisiana and now lives in Nashville and was featured as an Artist Spotlight  for Open Chord Weekly. His Father was in the NFL and played for the Saints, Chargers and Falcons. Austin performed at Whiskey Jam  in Nashville, electrified the stage and entertained to a sold-out crowd. He was invited and performed at Copper Blues Live , a very attractive venue in Phoenix and brought out a huge crowd.  Video footage of the Copper Blues and Whiskey Jam performance can be found on my Instagram Page:  In February 2020, Austin released OutLaw Kinda Vibe  and has over 460K streams and continues to climb.      Collaboration with Willie Hyn In March 2020, Austin released Tennesse Drip  which has captured the attention of the music industry including record labels. Currently, his YouTube Tennesse Drip has hit over 270K views and continues to climb.      In June, both Willie and Austin will be dropping new EP’s and we are excited about their music.  

Claudia from The Renovate Avenue shares practical advice on how to set a budget for your next home renovation project.We cover:Claudia's budget renovation formulaHow to ensure there's space in your budget for unexpected expensesExactly how to go about setting the budgetTools to set-up your budgetWhere and how to save money in your budget (including what you can and can't DIY)Why you need to speak to an Accountant before setting your budgetWhat to do if you start going over budgetThis episode is part of a very special DIY renovation series.⠀Claudia from @therenovateavenue and Founder of the DIY Renovation Academy will join us once a month on the show to take you through EVERYTHING you need to know to DIY your reno.⠀⠀This is like a little sneak peek into her super popular DIY Renovation Academy course.⠀⠀This series is exclusively for Dream Home Movement listeners.**This episode of the Dream Home Movement was recorded live at the RPPFM**Follow the Claudia and The Renovate AvenueFacebookInstagramWebsiteFollow the Dream Home MovementFacebookInstagramWebFollow Carl and Jo VioletaFacebookInstagramWebGuest bioClaudia and her husband Pete have renovated small properties right through to large scale projects. Several years ago they bought a run-down 1960's weatherboard house (purchased for $460K) and ended up completing a major renovation ($75K), creating a beautiful sought after home ... on a tight budget! They set the suburb record for a property price of $1.035 million (2017)!They're currently renovating a 1960's brick house to sell.Both Pete and Claudia have a real hands-on DIY approach when it comes to renovating, focusing on achieving that ‘WOW’ factor ... thinking bigger, outside-the-box, and never afraid to take a risk.Claudia created The Renovate Avenue to share her knowledge, and inspire others to climb the property market via the renovation avenue, building a financially stable future to retire earlier (and do what you love).Transcript(00:00):Welcome to the dream home movement. This is your weekly dose of home and property inspiration, bringing you clever tips and advice from the very best experts and real life reno stories with your host Jo Violeta(00:22):We are talking about setting a budget for your renovation and this is part two of our series with Claudia Brdar from The Renovate Avenue. Now Claudia, I think you'll recognise her voice and name because she's been on the show a few times, but just to remind you just in case you're a new listener, Claudia is a renovation and home-style specialist on any budget and she's the founder of the DIY Renovation Academy of which I am honoured to be a student. I am learning so much and what I'm learning in the course is how to succeed with my renovation and if you want to check out the course, if you want to learn how to succeed with your renovation, then I highly recommend checking it out. Claudia, welcome back to the studio. It's lovely to have you here.(01:18):Thank you so much, Jo. I've got to say you're a great student to have on board at the DIY Renovation Academy. Thank you so much for the feedback that you're offering and I'm glad to hear that you're enjoying it. I'm enjoying it so much. So every question I feel like I've ever had about renovations, home improvement style, like it's all being answered in a great, like a great amount of detail, but not so much that it's not accessible or overwhelming. It's awesome. It's just the right balance. So yeah, it's really, really good. And the little Facebook community that you've got rockin' on there is, is awesome as well. Aimee's part of the community we had Aimee on. Aimee's one of Claudia students. You might remember Aimee from a past episode. Aimee is the founder of Tiny Stays, so she actually builds tiny houses and then people can go and stay in them,uthrough Airbnb and they're just beautiful.(02:17):But we're not talking tiny houses today. We're talking budgets and numbers, which is equally as exciting, but it's super important. So let's start with the why, Claudia. Why is it important to set a budget for your renovation? Well, firstly, once you know exactly what budget you have to work with, you want to make sure you're meeting that budget. You're not blowing your budget. So that is why it's so important to plan out exactly what your renovation will entail, what you'll need to spend money on so you don't blow out your budget. And I also want to mention as well, when you're working at your budget, always allow 10 to 20% because nine times out of 10, to be absolutely honest, your budget will blow out. For some reason. There may be some unforeseen issues that you will only come across a once you know, this things such as termites that you only get to see once you pull out the, put the plaster, the walls, you'll get to see termites, hopefully not.(03:20):But the, and there's things like molding and stuff that you need to fix. So these sorts of things and issues come up. Once you get stuck into your Reno, you may be like halfway through and you're like, Oh no, there's, there's this issue that we've come across and we're going to need to put money towards that. So like I said, 10 to 20% on your buffer is really important when working at your budget's so important and you want to stay on track and check in with your budget regularly to absolutely. I agree. Carl, my husband Carl so he presents our finance segment,uand he helps people organise home loans and urefinances for their renovations and that sort of thing. But he always recommends if you're going to be organising some money for your renovation, that you do need to factor in that buffer because you just can't, you can't, you can plan and we're all for planning, but there are some things that you just can't predict, like as you said, the termites or renovating your bathroom and pulling out a wall and then realising that there's mould there and will, or one of my friends recently that they had like a drip in their bathroom and they had only recently had it renovated like a few years ago.(04:36):And they discovered that their, all, their plumbing had not been installed correctly and it just all needs to be redone, which has happens. Super expensive. So I think, yeah, that buffer is so very important. And also say, you know, how last last episode when we had you on we were talking about setting your goals, so the wife, your renovation. So if the wife, your renovation is to make profit. Yep. Your budget needs to fit in. Yeah. We've actually made exactly profit. So we agree. Setting your budget is super important. And having that buffer that, how do we actually go about setting up a budget, particularly for beginners. We've never done anything like this before. Know exactly what work needs to be undertaken. So know exactly what you're going to need to do. Write it all down, write everything down. I'm talking from you know, painting to the knobs on your doors and you know, front door, whatever.(05:39):Just write it all down, everything you need to change and update, write it down and then start researching what all the costs are going to be. So, and I'm talking even even door knobs, like kitchen cabinet handles can cost from $10 to 80 bucks. So start researching, go out there, you know, go to your Bunnings store, go to Reece, Tradelink or wherever you want to go to source your products and start getting an idea of what things are going to cost you and write it all down and know exactly what you can splurge on. And you know, you got to understand that there was a client recently that I dealt with and she picked a stone bath. It was like $10,000, and didn't really take into consideration that the $10,000 was going to blow out her budget. She just loved this stone bath and who doesn't, you know, the stone bath's absolutely amazing, but they're gorgeous.(06:34):Be realistic, be absolutely, really stick. If it's not within your budget and it's gonna throw it all out please just take any consideration that that $10,000 bath is going to eat into your vanity, your shower and, and the rest of this stuff. So just really be you know, keep that in mind. Be realistic with what you're splurging on and what you can't splurge on. Okay? So if you see something that you have to have, then you need to make adjustments elsewhere. Yeah, yeah, yeah, that's right. If you really want to go for $10,000 stone bath, then it's most likely your vanity will be of a lesser quality if it's not gonna fit into your budget. So just be realistic shop around. There's sales happening all the time too, and you can get stuff, you don't have to pay full price for everything these days.(07:20):There's sales happening all the time. So just really get out there, shop around and do your research. And where do you set up your, your budget. So do you set it up in a spreadsheet or is there a special app or Excel? So I go into Excel and make a spreadsheet. There's a spreadsheet on my course but it's a spreadsheet which shows your low range costs, mid range cost and then high end range costs. And it gives you a sort of estimate and rough pricing on what things will cost from your bathroom, your kitchen plumbing costs and things like that. So you can really work out on Excel. So just, and like I said, with your list of everything that you need to implement, so all the work that you need to do, write every single thing down and then, you know, exactly what needs to be done and what price goes against it as well.(08:13):What you can spend against it. But using Excel is really, really helpful. I think just recording everything is you know, and just checking in with it regularly to make sure that you're on track with your budget too. I think that's really key. Checking in regularly. And I love that at that spreadsheet that you've set up because it also on the spreadsheet, Claudia also showed you what can be DIY and what must not be DIY, but you need to get a trade in force. It's important to when you're setting up your budget to be clear on what you can do yourself. And you do need to invest in a professional. Yeah, definitely, definitely to do. And where I've saved money, for example, my husband and I, Pete, where we've saved money with DIY is painting. I know it's hard work and it takes time, but it's going to save you thousands of dollars, do it yourself.(09:05):And if you're not sure, ask, go to your paint shop, ask, ask the people that work there or go on YouTube. There's so many different videos on how to paint effectively, do a good job. And not leave streaks all over the place. And there's also other things you can DIY such as the outside you know, you landscaping or if it, you know, you want to paint the outside of your house, that's things you can do yourself as well. Don't do plumbing yourself if you're not a qualified plumber. Don't do electrical work if you're not an electrician. And those sorts of things, leave that to the qualified tradies and the stuff that you can, DIY is more the painting or if it's cosmetic renovations you can do yourself. But there's ways you can save money on your budget too and take off thousands of dollars there. How do you, we spoke about setting a budget because it can help to make sure that their renovation is actually profitable. If that's your goal, how do you figure out whether your renovation will be profitable? Like is there a formula or, yeah, there is. There's a renovation formula which will help you work out whether you're going to make a profit return on, on sales. So there's a few things I'm going to go through it. Jo and lucky that I am lucky that there is actually a formula that would have been a little bit.(10:26):No, I kind of knew there was, there's a formula that I usually work out when I'm looking at a property and I and Pete and I are considering renovating, we'll work out exactly what the sale price is and what the potential resale price could be. So what you want to work out is your potential sale price. So like I said in the previous episode, do your research on the property market, suburb due diligence as well and from your potential sale price work out minus your purchase price, then minus your renovation costs. So ensure all your budget and financial finances are in place. Sorry. Then you've got to minus your hold costs, your fees, your duties, costs, solicitor, agents, marketing costs as well. So minus that as well. And then what that will equal is your potential return. So what you expect the sale price to be achieved.(11:29):So again, it's your potential sale price. Start with that minus your purchase price. Then minus your renovation costs minus your fees. So your solicitor fees, agent fees and that should equal your potential return. So what you expect the sell price to be achieved and you need to work out whether that's going to be beneficial to you, whether that end result will be beneficial from that, this formula will give you a much better idea of what your potential outcome could be. So that really helps me work out. Whether the property I'm looking at could be a good investment or not. Oh, that's really smart. Especially that, that you mentioned also factor in the agent fees and that the legal fees like the conveyancer and all that sort of thing. Because I don't think people factor that in. They're just like, okay, I bought this house for 500 I reckon I can renovate it and sell it for 700 the rhino is going to cost me a hundred grand, I'm going to make a hundred grand profit.(12:37):Yes. No you're not. No, because there's other expenses involved. And then I suppose, I suppose when you're making that decision, you're looking at why don't you take away all those expenses, you look at what you're left with and then I guess it's a case of, well, is that worth my time? That's right. Exactly. I so agree. I so agree. And the tears and the late nights and the, you know, exactly giving up my weekends. So yeah. And then there's also capital gains tax, which is another one. So if you've bought a property, and this will vary between each state. So just check it out. And I think only with listeners a year in Victoria, is that right? Ah, we actually, we, so the live show, if you're listening on 98.7 RPP FM that goes through, yeah, just in Victoria. So I'm wanting to push that through to Cranbourne but it also streams live in the RPP app that's worldwide.(13:30):And then the podcast worldwide audience, like everyone in the United States, we have lots of listeners there, [inaudible], Malaysia, all over the place. So I think that's a really good point though, that look, this is going to vary depending on where you live. Yes. And Claudia and I live in Victoria and so a lot of the information that we give could be specific to that's right. Yeah. To our location. Exactly. But you know, this is general advice, general information, so yeah, yeah, yeah. You want to check with whatever laws and regulations apply to wherever you live. Yes, of course. Of course. So check your capital gains tax and what that is for your state because it does vary. And in the past for us, it's been if you've renovated and you sell the property within 12 months, you'll get slapped with a tax fee.(14:27):So please check that out depending on where you're living and speak to an expert about that too. So that's another one. Yeah. So that would be your accountant. And I think a lot of people when they're renovating or they're buying properties, they just don't think to speak to their, to an accountant. But an accountant is a really important part of your, of your team. Yes, exactly. Yeah, I agree. And I'm just source information from the people around you to people that have done it before as well. So if you've got friends and family and neighbours that have done renovations speak to them, the more knowledge you have, the better. So knowledge is power and I believe that yeah, the, the, the more things that you research and you have an understanding of the more that you will hopefully have a successful outcome.(15:15):Yeah. Make some informed decisions. Yes. People, the one informed decision. Okay. So let's say we've done, we've, we've set our budget, we've done all our research, we're making informed decisions and all of that good stuff. But we start to realise, even though we've got the buffer and everything that we're starting to go over our budget, what do we do? Do we just stop and just so like I said before, you need to track your budget regularly, so to make sure that there's no nasty surprises that you're running on track and everything's going well. If for some reason you blow out of budget, it means that you may need to cut back on some things that you had ideally planned from the start. Maybe that stone boxbath is not going to happen. Maybe that marble bench top is not going to happen.(16:06):So just cutting back on some things I think can, you know, like there's different bench tops these days that can cost thousands of dollars and you know what, there's laminate bench tops out there that look fantastic and can take thousands of dollars off your budget. So just cutting back on some things and some things that you maybe thought you were going to splurge on from the start. Maybe, maybe that's not going to happen now if you've, if you've exploded and you know, your budget's not running on track anymore than just really think about cutting back on some things and some changes are gonna have to happen, I guess, which sounds sad, but it can still be a great result. Yeah. Yeah, it really can. So you're just having a look to say where you can make some adjustments. It's just like of your family budget as well. You're just always reviewing and that's right. And adjusting. That's right. It's like cutting back on Foxtel when you have to.(17:03):So today we have covered in this episode we've covered the budget, which is so crucial. Next time Claudia comes into the studio, which is in a month's time, we are going to talk about how to select a property to buy and renovate. So how to research neighborhoods, what you're actually looking for in that, that property, all of Claudia's insider hints and tips. Claudia, thank you so much for coming into the studio tonight. And if people want to get more information on how to set the budget for their renovation or planning their renovation in general, how can they do that? So I am on Instagram and Facebook under the renovate Avenue. And I also have my online course, which I've created from my and the mistakes I've made The DIY Renovation Academy which will give you a renovation plan to take action and ready to go. So I've implemented that which is called the DIY renovation Academy. So if you need some more information, please just get in touch. You're happy for people to DMU and stuff on Instagram, Facebook, email me or you can message Jo and Jo will get me to contact you.(18:14):Thanks for joining us on the dream home movement. Be sure to come over and say hi on Facebook and Instagram. I hope that your dream home projects are going well and I look forward to chatting with you again next week.

Claudia from The Renovate Avenue takes us right back to the very start of the home renovation process, goal setting and figuring out the WHY for your renovation.We cover:Why is it important to establish your goals for your renovation before you get started?What are some examples of goals you could have for your reno?How do we decide on our goals (what do we need to consider when setting goals)?Once we’ve set our big overarching goal, how do we break the project into manageable chunks (set mini goals)?This episode launches a very special DIY renovation series.⠀Claudia from @therenovateavenue and Founder of the DIY Renovation Academy will join us once a month on the show to take you through EVERYTHING you need to know to DIY your reno.⠀⠀This is like a little sneak peek into her super popular DIY Renovation Academy course.⠀⠀This series is exclusively for Dream Home Movement listeners.⠀Finance Segment – What is equity and how can we use it?This Finance Segment is presented by Carl Violeta - Violeta Finance**This episode of the Dream Home Movement was recorded live at the RPPFM**Follow the Claudia and The Renovate AvenueFacebookInstagramWebsiteFollow the Dream Home MovementFacebookInstagramFollow Carl and Jo VioletaFacebookInstagramWebGuest bioClaudia and her husband Pete have renovated small properties right through to large scale projects. Several years ago they bought a run-down 1960's weatherboard house (purchased for $460K) and ended up completing a major renovation ($75K), creating a beautiful sought after home ... on a tight budget! They set the suburb record for a property price of $1.035 million (2017)!They're currently renovating a 1960's brick house to sell.Both Pete and Claudia have a real hands-on DIY approach when it comes to renovating, focusing on achieving that ‘WOW’ factor ... thinking bigger, outside-the-box, and never afraid to take a risk.Claudia created The Renovate Avenue to share her knowledge, and inspire others to climb the property market via the renovation avenue, building a financially stable future to retire earlier (and do what you love).

All images and links for this episode can be found on CISO Series (https://cisoseries.com/who-are-the-perfect-targets-for-ransomware/) If you've got lots of critical data, a massive insurance policy, and poor security infrastructure, you might be a perfect candidate to be hit with ransomware. This week and this week only, it's an extortion-free episode of CISO/Security Vendor Relationship Podcast. This episode is hosted by me, David Spark (@dspark), producer of CISO Series and founder of Spark Media Solutions and Mike Johnson. Our guest this week is Sean Walls (@sean_walls2000), vp, cybersecurity, Eurofins. Thanks to this week's podcast sponsor Core Security Assigning and managing entitlements rapidly to get employees the access they need is critical, but it can come at the cost of accuracy and security. Core Security’s identity governance and administration (IGA) solutions provide the intelligent, visual context needed to efficiently manage identity related security risks across any enterprise. On this week's episode How CISOs are digesting the latest security news An article in the NYTimes points to a new trend in ransomware that is specifically attacking small governments with weak computer protections and strong insurance policies. Payments from $400-$600K. Lake City, Florida, population 12K paid $460K to extortionists. They got some of their information back but they have been set back years of what will require rescanning of paper documents. Mike, I know your standard philosophy is to not pay the ransom, but after a ransomware attack against the city of Atlanta, the mayor refused to pay $51,000 in extortion demands, and so far it's cost the city $7.2 million. Probably more. These payments by the small cities must be incentivizing more attacks. Does this information change the way you're willing to approach ransomware. What can a small city with zero cybersecurity staff do to create a program to reduce their risk to such a ransomware attack? Ask a CISO Bindu Sundaresan, AT&T Consulting Solutions, asks a very simple question, "How is each security initiative supporting the right business outcome?" Do you find yourself selling security into the business this way? If not, would you be more successful selling security to the business if you did do this? What's Worse?! We've got a split decision on what information we prefer after a breach. Listen up, it’s security awareness training time Jon Sanders, Elevate Security, said, "Security awareness involves A LOT of selling… there’s no cookie cutter approach in security awareness or sales!" Is the reason security training is so tough because so many security people are not born salespeople? I've interviewed many and there's a lot of "just listen to me attitude," which really doesn't work in sales. Cloud Security Tip, sponsored by OpenVPN We talk a lot about penetration testing here, given that it remains a staple of proactive IT security. But not everyone feels it’s all it’s cracked up to be. Or should that be, all it’s hacked up to be?” More than one cybersecurity organization points out there are a few flaws in the pen testing concept that make it worth a second look. Pen testing often consists of a small collection of attacks performed within a set time period against a small sample of situations. Some experts doubt the efficacy of testing against a limited field of known vulnerabilities, without knowing what other weaknesses exist in plain sight, or merely invisible to jaded eyes. More on CISO Series... What do you think of this pitch? We have a pitch from Technium in which our CISOs question what exactly are they selling?

Kresge Arts in Detroit awards $460K in unrestricted grants, but how does Detroit blues singer Thornetta Davis actually spend that cash?

How To Hire and Get a Sales Job with Gregg Salkovitch #217 When it comes to the process of staffing a sales position, it’s two sides of the same coin. On one side we have the need for employers to hire skilled and competitive staff. On the other side of the coin is the need for talented employees to get hired by great companies. Both sides are looking for the perfect match according to our guest Gregg Salkovitch. Greg is a recruiter and founder of  Right Choice Resources. In this episode we discuss how to get a sales job and how to hire an outstanding sales professional. The State of Sales in Spring 2018 For sales professionals, 2018 is a sellers market (no pun intended). The market is hot!  Great time to get a job. Companies have a lot of competition when finding candidates. There are few great candidates available. Many sales professionals are super happy where they’re at. It takes a lot to motivate them to move. How Candidates Earn a Sales Job Gregg has the following advice for candidates: Hiring is a sale. Treat it like a sales call. For example, he had a candidate do a video conference in a T shirt. Don’t! Too many candidates don’t qualify, don’t follow up, don’t ask for the sale. You’re the product and no one knows it better than you. Do your research. Dress well. Remove and trim your facial hair. Don’t show up late. Be early, stop at Starbucks for a coffee nearby your appointment. Customize Your Questions Show your prospective employer you’ve done your homework. Ask….. I looked at your LinkedIn and see you’re successful.. what do you attribute it to? I saw you on YouTube and noticed I was looking at your competitor and noticed this… and have some thoughts Good candidates can’t be quieted down. They keep the conversation rolling. Go straight to the decision makers. LinkedIn is the key. Don’t waste time filling out entry forms on a website. Get creative. How to Ask for a Sales Job As the interview winds down ask the following: I really appreciate the opportunity to meet and I’m extremely interested in this role. Do you have any reservations that would prevent me from moving forward? This gives the interviewer a prompt to voice objections. This gives the candidate an opportunity to turn the issue around. It may not have been covered earlier. How Managers Hire for a Sales Job Hiring managers need to recognize the market is tough Not a lot of “A” people Recognize it’s not a one way street. Not all candidates want to work for you It’s a date, it has to work in both directions It’s a matchmaking process Don’t see this one sided Managers over focus on the sellers rolodex Look outside your industry Search a larger pool of candidates than you think Don’t overly focus on the Resume. Be skeptical. Don’t trust a website will screen Compensation $40K base salary $125K base salary on high end Typically 50/50 split e.g 460K base and $60K if you hit your targets Junior $50K, with very little commissions, and transition to Always ask, “Based off your current team how many have made that the first year?” How To Find Greg Salkovitch Right Choice Resources gregg@rightchoiceresources.com http://www.linkedin.com/in/greggsalkovitch   Sales Hiring Process Here are past episodes on hiring and interviewing for a sales job! How to Hire a Sales Rep that Hits the Ground Running #174 How to Find a Sales Job That’s Perfect For You #173 The Grass is Browner on the Other Side with Jon Markwardt #165 Four Mistakes Business Owners Make in Sales with Donald Kelly #118 How to Sell Yourself When Getting a Job with Scott Barlow #81 Why Can’t I Get a Degree in Sales with Professor Shawn Green #80 SB019 | Skyrocket your Retail Sales, an Interview with Nicole Reyhle Special Segment Your Hired! An Interview with Job Seeker Tami Miller #16 All Job Hunters Are Sellers The post How To Hire and Get a Sales Job with Gregg Salkovitch #217 appeared first on Sales Babble Sales Podcast | Sales Training | Sales Consulting |Sales Coaching.

All We Need is Love People are not looking for more systems and processes. They're looking for hope, encouragement, love, respect and transformation.  If you're already providing those you are likely in a position to prosper financially as well.  I'll be sharing some of what I've done and how you can step right into the path that fits you best. Questions we address on this week's Podcast: My husband was laid off in the oil downturn and after two years of “getting by”, he is back out in the oil field. He is conflicted though. I have a business idea of a mobile RV washing and cleaning business. Any thoughts on a business like this? What questions do you ask when you get to talk to successful people at this stage in their life? Dan, please help me help your listeners who are salespeople that cold call businesses. Would I be crazy to leave an unfulfilling job making 5 figures after 25 years to work for a humanitarian organization that serves those in need in various countries? I feel like my brain and heart are drowning. I would love to know what you believe are the top three things a person can do to live the best life possible for them? Twenty years from now you will be more disappointed by the things you didn't do than by the ones you did do. So throw off the bowlines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover.”   — attributed to Mark Twain — Tweet This Episode – 04-14-17 Title: N/A Subtitle: N/A Summary: In this episode, Dan Miller discusses the recurring theme of, “All You Need is Love,” to the podcast. People aren't necessarily looking for a physical step or process to making their lives better—they want a message of hope, encouragement, and transformation for their lives. There has been a trend of these types of questions from listeners who are seeking advice on life, work, and family. Listen as Dan walks us through some of these questions and provides his own personal advice that has helped him live a life of purpose and success. Sponsored By: FreshBooks is offering a 30 day, unrestricted free trial to my listeners. To claim it, just go to https://www.freshbooks.com/48days Time Stamped Show Notes: 01:16 – Preview of Today's Show on “All We Need is Love” – People are not looking for more systems and processes – they're looking for hope, encouragement, love, respect and transformation. If you're already providing those you are likely in a position to prosper financially as well. I'll be sharing some of what I've done and how you can step right into the path that fits you best. My husband was laid off in the oil downturn and after two years of “getting by,” he is back out in the oil field. He is conflicted though. I I have a business idea of a mobile RV washing and cleaning business. Any thoughts on a business like this? What questions do you ask when you get to talk to successful people at this stage in their life? Dan, please help me help your listeners who are salespeople that cold call businesses. Would I be crazy to leave an unfulfilling job making 5 figures after 25 years to work for a humanitarian organization that serves those in need in various countries? I feel like my brain and heart are drowning. I would love to know what you believe are the top three things a person can do to live the best life possible for them? “Twenty years from now you will be more disappointed by the things you didn't do than by the ones you did do. So throw off the bowlines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover.” – attributed to Mark Twain 05:09 – Next Thursday, on April 20th, Dan will host a webinar about how Dan makes money helping others 06:12 – Dan will share exactly what he's done 06:34 – Go to com/SuccessWebinar2 to join the webinar 07:42 – The unemployment rate declined in March 08:25 – Companies will be looking for people to hire 08:43 – There were 1.6M people that were described as marginally attached to the labor force 09:20 – Among the marginally attached, there were 460K discouraged workers 09:39 – Discouraged workers are people who are not looking for work, because they believe there's no job is available for them 10:59 – Dan just had paving done by a dad and 2 of his sons—they can be considered “discouraged workers” 11:39 – Mining added 11,000 jobs in March 11:57 – Don't listen to the news and don't let the bad news discourage you 12:40 – Marie says, My husband was laid off in the oil downturn and after two years of “getting by,” he is back out in the oil field. He is conflicted though. 13:17 – Hotshot transports are delivering non-full load trucks 13:55 – Marie's husband is turning 50 and she wants him to stay closer to home 14:23 – There are a lot of possibilities in hotshot transport 15:01 – If you understand real estate, you could earn your target for retirement in a year 15:53 – Myles says, I have a business idea of a mobile RV washing and cleaning business. Any thoughts on a business like this? 16:21 – Dan thinks this is a great segway 16:35 – There's a growing need for this service because of people using and living in RVs 17:01 – Look at what you can do during the off months 17:31 – Sidian says, I'm a 10% entrepreneur in financial planning. I want to reach the world to help people take control of their financial futures and connect with them through a blog, podcast, and through video content. When would you recommend starting each of these? 18:28 – If you're serving people well, that won't run people off 19:05 – Build trust and rapport with people, first 19:13 – 40% is building rapport, 30% identifying the need, 20% product presentation, and 10% is gaining commitment 19:50 – Give and serve people well 20:32 – Provide great content to start building an audience 20:47 – Mike says, What questions do you ask when you get to talk to successful people at this stage in their life? 21:20 – Day 47 in 48 days is take a millionaire to lunch 21:51 – Read The Millionaire Next Door 22:16 – Questions to ask a Millionaire: What do you know now you wish you'd known when you were just starting? Did you use a detailed business plan? To what do you attribute your success? Do you have a problem you're trying to solve now? “What's the most important lesson you ever learned?” “What is the legacy you want to leave?” “What's your most important habit?” What's exciting to you right now? How would you spend $10,000 to improve your business? What is the most important characteristic in your life that has helped you succeed? Where do you see yourself in ten years? What's a motto or quotation that you live by? What support or encouragement can I offer to help you continue your success? 26:34 – Consider these people as a valuable resource 26:49 – April sent a message, Dan, please help me help your listeners who are salespeople that cold call businesses. 27:20 – The way to the boss is through the assistant 27:30 – Helpful tips to remember: Never hang up on the assistant, don't ask for the boss' voicemail, know the boss' position before calling, and STOP the aggression 27:58 – Dan shares about call conference with John Ruhlin, author of the book, Giftology 28:23 – John Ruhlin gets the assistant a high-caliber gift, like something that he would give the boss 29:01 – Claire says, Would I be crazy to leave an unfulfilling job making 5 figures after 25 years to work for a humanitarian organization that serves those in need in various countries? 29:33 – Dan assumes you're not earning $5/hr so you're between $10K – $99.9K 29:56 – $1600/month for the humanitarian job means you cannot spend more than $400 on the place you'll live in 30:50 – If this forces you to live back with parents, this is not a good choice 30:59 – Get a reasonable income and volunteer your time and donate money to that organization 31:49 – Dan doesn't recommend shifting to this job 32:38 – Maximize what you can do and tithe your time and resources 33:05 – To ask Dan a question for the podcast, go to AskDan 34:00 – Dan says, I love reading and learning but how do you get the most out of your books? How do you take in everything you learn and how to implement it? 34:41 – Dan's mom died sitting on a chair, reading a book 35:04 – When Dan reads, he reads with a highlighter and post-it tabs 36:10 – Dan shares a phone conference call about a Christian musician who was having a hard time making it her primary source of income 37:01 – Dan still loves physical books 37:57 – Dan reinforces the key points of learning by underlining, highlighting, and tabbing 38:14 – Man's Search for Meaning, How to Win Friends & Influence People, Essentialism, Deep Work are some books Dan has been rereading 38:53 – Charles says, I feel like my brain and heart are drowning. 39:36 – You need to figure out what your passion really is 39:50 – Identify your skills, abilities, and things that you enjoy doing 40:11 – Go to 48 days to find out what your disc profile is 40:54 – Enneagram has exploded again in popularity 41:08 – Check out Ian Cron's Free Enneagram Test 42:02 – Do things you haven't heard of before 43:19 – Greg says, I would love to know what you believe are the top three things a person can do to live the best life possible for them? 43:43 – Read great books 44:07 – Respect all people and love them unconditionally 44:12 – Take care of and protect your health 44:20 – Realize you're part of something bigger than your own physical life 44:48 – The New 48 Days Eagles site – This is the best place for moving your career forward 45:22 – Innovate – May 11-12, 2017 46:08 – CES Conference with Jim Cockrum – for all online biz (I'll be there!) 46:40 – How I make money loving others – and you can too – free webinar Thursday, April 20th, 2017, 7:00 PM Central 47:09 – Dan closes today's podcast  3 Key Points: There are a lot of opportunities out there that can offer you more than you could imagine – you just have to be open to those possibilities. Don't opt to make yourself or your lifestyle suffer at the expense of others – you can't give from an empty cup. Read, take successful people's advice, and try to make the truths you learn your own. Resources Mentioned: How I make money loving others – and you can too – free webinar Thursday, April 20th, 2017 7:00 PM Central Free Enneagram Test – Ian Cron Make money and serve as a 48 Days Seminar Presenter To ask Dan a question for the podcast – AskDan The new 48 Days Eagles site – This is the best place for moving your career forward Make money and serve as a 48 Days Seminar Presenter Go to com/48Days and get a free audio of Zig Ziglar's See You at the Top! FreshBooks is offering a 30 day, unrestricted free trial to my listeners. To claim it, just go to https://www.freshbooks.com/48days CES Conference with Jim Cockrum – for all online biz (I'll be there!) Coaching with Excellence – May 25-26, August 31-Sept 1, 2017 Innovate – May 11-12, 2017  Credits: Show Notes provided by Mallard Creatives     The post All We Need is Love appeared first on Official Site Dan Miller.

Twitch has an average 1.7 million broadcasters streaming each month and in 2015 Twitch viewers watched more than 459,000 years worth of video collectively. That's a lot. On this week's episode of Generation App, we discuss what makes the Amazon-owned streaming site so popular.