Podcasts about 5million

Attorney General William Tong discusses the 5Million dollar preliminary settlement that was reached with Stone Academy and its owners.

Huddie's verified Kinfo: https://bit.ly/49X7aO8 Mike Huddie is a verified millionaire trader who specializes in systematic trading with small-cap stocks. From a door-to-to salesman to a millionaire trader, Mike Huddie is sharing his trading criteria and how he achieves consistency over 9 years of trading using data and backtesting. - Intro to Huddie - Systematic Trader Mike Huddie - Mike Huddie's Trading Style - Data Tracking Process - Transition to Systematic Trading - Systematic Sizing Strategy - Explaining Futures Trading for Stock Trader - Trade Selection: Finding The Right Market to Trade - Entry and Exit Strategies - Managing Short-Selling Fees & Costs - Year-To-Date Trading Performance - Investing Strategies ------------- ✅My REAL Social Accounts: IG: https://www.instagram.com/humbledtrader/ TikTok: https://www.tiktok.com/@humbledtrader Twitter: https://twitter.com/HumbledTrader18 FB: https://www.facebook.com/HumbledTrader My stock scanner Stox: https://stox.io/?utm_source=youtube&utm_medium=video&utm_campaign=ht_main -------------- Get My FREE Weekly Stock Picks & Trading Journal: https://bit.ly/3VVYBgB Day Trade with Humbled Trader Community: https://bit.ly/3VXV9Ch -------------- DISCLAIMER: I am not a financial adviser nor a CPA. These videos are for educational and entertainment purposes only. Investing of any kind involves risk. While it is possible to minimize risk, your investments are solely your responsibility. You must conduct your own research. I am sharing my opinion with no guarantee of investment gains or losses.

Dr JL, GP shares his career journey, and investing journey. •BPT background to currently working General Practice •humble beginnings to now passive income •Rich Dad Poor Dad, Barefoot investor, How to Create an income for life (Margaret Lomas) •property portfolio 2.5M •property spruiker story (what red flags to look out for) •first investment property bought for $330k in Adelaide •managed funds and index funds, and shares (in lead up to GFC) •owner occupied property •mining share (Lynas rollercoaster) •latest Perth purchases (rent return from $330 to $570/wk) (Dr Dan): In other news: I've been receiving few property related questions lately, keep sending them in and I will do a Q+A session.Music Credit: Bass Nation.Send in your questions to: passiveincomedoctors[AT]gmail.com

Woohoo it's Halloween Geoffs! In this week's episode Spencer is telling us the ghoulishly good story of Bessie Brown, next Madison is serving up everything you need for a good ole victorian halloween! We've got an obituary that you've allllll been waiting for, and one for a spooky gal we adore! We've also got some dumb.ass.criminalllllllls! Buy our book: prh.com/obitchuaryGet your Merch: wonderyshop.com/obitchuaryCome see us live on tour: obitchuarypodcast.comJoin our Patreon: Patreon.com/cultliterNew episodes come out every Thursday for free, with 1-week early access for Wondery+ subscribers.Follow along online: @obitchuarypod on Twitter & Instagram @obitchuarypodcast on TikTokCheck out Spencer's other podcast Cult Liter wherever you're listening!Write to us: obitpod@gmail.comSpencer Henry & Madison ReyesPO Box 18149 Long Beach, CA 90807Sources:https://www.newspapers.com/image/649545123/?article=e5e17223-514f-46a3-9893-0145aece5740&terms=%22dracula%22https://civilwartalk.com/threads/victorian-costumes-halloween-anyone.151038/https://gaslampfoundation.org/victorian-halloween-traditions-now-thats-scary/https://www.worldwidewords.org/weirdwords/ww-nut1.htmhttps://www.friendsofdalnavert.ca/blog/2021/10/26/victorian-halloween-love-poetry-and-stingy-jackhttp://vermontdeadline.blogspot.com/2013/10/superstitions-apples-and-mirrors.htmlhttps://www.atlasobscura.com/articles/what-is-dumb-cakehttps://www.iskullhalloween.com/victorianhalloween.htmlhttps://www.mentalfloss.com/article/650543/victorian-halloween-traditionshttps://www.mimimatthews.com/2015/10/18/a-victorian-halloween-party/https://www.newspapers.com/image/72066316/?match=1&terms=%22queen%20victoria%20halloween%22https://www.legacy.com/us/obituaries/timesunion-albany/name/edward-shatraw-obituary?id=6328838https://www.dailymail.co.uk/yourmoney/class-action-lawsuits/article-12910285/Hersheys-hit-5MILLION-lawsuit-Florida-woman-misleadng-Reeses-Halloween-candy-packs-showed-treats-Jack-o-Lantern-faces-did-not.htmlhttps://www.wrmf.com/florida-woman-steals-all-the-candy-on-halloween/https://www.newspapers.com/image/33885335/?match=1&terms=%22married%20to%20the%20ghost%22See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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Cher's gender-switch son Chaz Bono is shacking up in a new $2.5 million mansion with his fiancee, former child star Shara Blue Mathes, in anticipation of their wedding. Chaz, 55, was born Chastity Bono to parents Cher, 78, and her then-husband and singing partner, the late Sonny Bono – but began transitioning from female to male in 2008. Chaz and Shara – who costarred with Jason Bateman in the 1984 comedy show It's Your Move – are eager to get the marriage show on the road, sources said. The couple has had some theatrics of their own – Shara, a divorced mother of one, is a former drug addict, and Chaz has come clean about his past prescription drug problems.Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Trey Wasser, CEO and Director of Dryden Gold Corp (TSX.V: DRY) (OTC: DRYGF), joins me for an exploration update at Gold Rock Camp, Sherridon, and Hyndman areas across their Dryden Gold District, in Northwestern Ontario, Canada.      We start off discussing the recent drill results from their Phase 5 drill program at the Elora area of the Gold Rock Camp Project,  reporting 30.72 g/t gold over 5.70 meters, including its highest-ever value of 313.00 g/t over 0.55 meters from hole KW-24-017.  This was also the deepest hole the company has drill to date with the best results, which points to significant potential at depth in these mineralized shoots. This Phase 5 exploration program consisted of nine drill holes totaling 1,598 meters focused on the depth expansion at Elora and Big Master 1 gold systems and infill drilling at Big Master 2.  Trey describes some of ongoing work and targets tested at both Big Master 1 and 2, and how this whole area is very similar to the Red Lake area geologically.    Next we widened the scope to discuss 2 other key areas of exploration focus on their land package, with surveys and field work vectoring on future drill targets at both the Sherridon and Hyndman areas of the Project.    Trey also outlined the recent financing that was increased three times due to unprecedented demand from institutions and high net worth investors, showing they have access to capital in an environment challenging to many junior resource companies, and have the budget to keep the drills turning.  We also reviewed that this $5Million of capital raised, gives them the funds to make their final payment to Alamos Gold next year, to own the property 100%.     If you have any questions for Trey regarding Dryden Gold, then please email me at Shad@kereport.com.   Click here to follow the latest news from Dryden Gold

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

This week I sit down with Michael Ungaro, the CEO of San Pedro Fish Market, and one of the stars of Kings of Fi$h launching on Amazon Prime. San Pedro Fish Market is the largest family restaurant serving 2.5Million people each year and known for the World Famous Shrimp Tray. Now on their fourth generation this legacy restaurant this legacy restaurant empire garners Guinness World Record's,Top Seafood Honors, and 2nd most visited seaside attraction only to SeaWorld, and sells as much beer as Dodger Stadium. Under Michael's leadership, San Pedro Fish Market has been recognized as one of the Top 10 most instagrammed restaurants in the USA with double digit sales growth since 2008 (excluding 2020) and is on track to top $40 million for 2022. Opened concepts in the neighboring cities of Rolling Hills Estates, Harbor City and on Alamitos Bay, Long Beach. And even created a line of retail products including ready to cook meals, spices and sauces based on the World Famous Shrimp Trays available in their restaurants. Exclusive Partners Want to learn more about Marqii? Check them out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and instantly level up your digital presence. Hate paying sales tax? Let DAVO do it for you, so you can pay on time, and sleep at night. Try ⁠⁠⁠⁠⁠⁠⁠⁠DAVO⁠⁠⁠⁠⁠⁠⁠⁠ for FREE! Connect with Closed Monday Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@closedmondaypodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Email: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠kyle@four-turns.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Special Offers Take a screenshot of you listening to the show, and tag @closedmondaypodcast, and I'll send you a FREE Closed Monday t-shirt. Subscribe & Share If you found value in this episode, please subscribe and share it with your friends and network. Your support helps us bring you more actionable insights every week! --- Send in a voice message: https://podcasters.spotify.com/pod/show/closedmondayshow/message

Let us know if you enjoyed this episodeIn this episode, we dive into the details of a $7.5 million acquisition deal involving a renowned American brand of vacuum cleaners and blowers. We also discussed the brand's reputation, market presence, and available financial figures. This was one of those episodes where they all agreed to buy this business together and you shouldn't miss it. Thanks to this week's sponsor:CloudBookkeeping offers adaptable solutions to businesses that want to focus on growth with a “client service first” approach. They offer a full suite of accounting services, including sophisticated reporting, QuickBooks software solutions, and full-service payroll options.Show Notes: 00:00 Intro03:27 A Vacuum Cleaner & Blowers Deals05:29 Analyzing this deal10:33 What we like about this business18:00 We found this business22:14 How the business makes money23:15 Should we buy this deal? 26:18 The downside of this business?28:13 Final thoughts and details Advertise with us by clicking here Do you love Acquanon and want to see our smiling faces? Subscribe to our Youtube channel. Do you enjoy our content? Rate our show! Follow us on Twitter @acquanon Learnings about small business acquisitions and operations. For inquiries or suggestions, email us at contact@acquanon.com

Let us know if you enjoyed this episodeIn this episode, we dive into the details of a $7.5 million acquisition deal involving a renowned American brand of vacuum cleaners and blowers. We also discussed the brand's reputation, market presence, and available financial figures. This was one of those episodes where they all agreed to buy this business together and you shouldn't miss it. Thanks to this week's sponsor:CloudBookkeeping offers adaptable solutions to businesses that want to focus on growth with a “client service first” approach. They offer a full suite of accounting services, including sophisticated reporting, QuickBooks software solutions, and full-service payroll options.Show Notes: 00:00 Intro03:27 A Vacuum Cleaner & Blowers Deals05:29 Analyzing this deal10:33 What we like about this business18:00 We found this business22:14 How the business makes money23:15 Should we buy this deal? 26:18 The downside of this business?28:13 Final thoughts and details Advertise with us by clicking here Do you love Acquanon and want to see our smiling faces? Subscribe to our Youtube channel. Do you enjoy our content? Rate our show! Follow us on Twitter @acquanon Learnings about small business acquisitions and operations. For inquiries or suggestions, email us at contact@acquanon.com

In this jam-packed episode of our sports roundup, we dive headfirst into a whirlwind of updates and analyses that every sports fan needs to hear. We kick things off with a look at Purdy's latest financial win—turns out, getting paid can come in many forms, kind of. Then, we shift gears to the heated debate around Michigan's QB star, JJ. Is he destined to be a top 5 pick in the draft? Speaking of drafts, we take a deep dive into the intriguing history of QB draft picks and their Super Bowl starts—did you know thirteen of the 67 quarterbacks who've started a Super Bowl were top draft picks? But it's not all football here. We're also talking NCAAW and the powerhouse that is Clark. Dominating the court, she's now faced with a life-changing decision: jump into the WNBA or take Ice Cube's jaw-dropping $5M offer? And if Clark and Reese both land in the WNBA, could we be witnessing the rise of a rivalry as iconic as Bird vs. Magic? The matchups are getting intense as we look ahead to Uconn vs. Iowa and NC State vs. South Carolina. With talents like Paige Bueckers lighting up the court, these games are anyone's guess. And speaking of talent, Reese opens up about the impact of social media on her mental health, sparking a much-needed conversation on the pressures young athletes face in balancing love for the game with public scrutiny. So, who's going to clinch victory in these nail-biting matchups, and what will Clark decide? Tune in for our take on these burning questions and more, as we dissect what these developments mean for the future of sports.

Reneilwe Morema reports on the recent scandal that took South Africa by Storm, involving The National Speaker Nosiviwe Mapisa-Nqakula who solicited R4,5Million hard cash from contractors and accepted wigs as a bribe during her tenure as Minister Of Defense. Reneilwe Morema counts down the countless corruption scandals the speaker was involved in over the years, but never faced the consequences. --- Send in a voice message: https://podcasters.spotify.com/pod/show/africandiasporanews/message Support this podcast: https://podcasters.spotify.com/pod/show/africandiasporanews/support

The purchase of 20 houses at a grossly inflated price of more than 11 million euro, that left the university with a 5 million deficit. To discuss this Niall Collins, Minister of State at the Department of Further and Higher Education.

Got an opinion? If you're listening on the iHeartRadio app, tap the red microphone icon to record & send us your thoughts. Don't have the app? Get it free here ---> https://news.iheart.com/apps/ Follow WGY on social media: instagram.com/wgyradio twitter.

Today's guests: Jason Simonds, Sports Card Specialist & Consignment Director - Heritage Auctions Alexandra Posadzki, Author - "Rogers v. Rogers: The Battle for Control Canada's Telecom Empire" Chris Gallaway, Executive Director - Friends of Medicare Learn more about your ad choices. Visit megaphone.fm/adchoices

Blake Morgan, CEO and Director of Western Star Resources (CSE: WSR), joins me for an introduction to this gold, silver, copper exploration company operating in British Columbia and the Yukon, in Canada.  This is a fairly new company that just started trading in February of last year, and has groundwork planned for 3 different 100% owned exploration properties and drilling planned for 1 and possibly 2 of the projects this year   Blake outlines the work that exploration team has planned for their flagship Western Star Property, following up on 8 mineral showings for  gold, silver, copper, and lead over a 6km mineralized trend southeast of the Revelstoke mining district in British Columbia.  After having the team hit the ground for more chip and channel samples, and then awaiting those assays, the plan is then to drill a grid of 30 holes to about 100 meters depth, for a 3,000 meter program to kick off in late April or early May. The drilling permits are already in hand.   Next we discussed the Mount Anderson Project in Bennett Lake, Yukon, and focused on gold, silver, zinc, and copper where a prior operator outlined very high grade mineralization and did an IP survey revealing 9 drill target areas.  The team at Western Star Resources is going to again do some of their own chip and channel samples to verify these showings, and then if the permits come back and the market cooperates, then they also plan on doing an initial drill program here later in the year after drilling the Western Star Property.   We also quickly reviewed the Toad River iron ore and copper project in B.C., and that there will only be limited ground work completed on it this year, looking toward optionality on this project with other larger companies.   Currently an $800,000 capital raise is underway, which will provide the funds to finish all the soil, chip, and channel sampling to further hone the exploration targets and get them drill ready at both projects. It is important to highlight the news from January 2nd, where the Company has secured a  $5Million institutional equity capital facility from Crescita Capital LLC.  This is the capital the Company will use and draw down and fund the majority of the exploration over a 3 year period, at their team's discretion, and in a better price environment.   Another point that Blake reviews is the tight share structure the company has with over 20% management stake, a 45% stakeholding by close shareholders, leaving only a 35% retail float available for trading.   If you have any questions for Blake regarding Western Star Resources, then please email me at Shad@kereport.com.   Click here to learn more about Western Star Resources.

In this episode, John shares his strategy for scaling your home service business to reach the $5 million mark. Picture this: an exceptional team, a steady lead flow, and a business rhythm that just clicks. John gets straight to the point, offering practical advice like keeping a close eye on personal spending to reinvest in your business. But hitting the $5 million mark is more than just a number or making money. It's a reflection of your company's growth and the real impact it's making. Stick around as John talks about the strategies to reach this goal and why it's worth aiming for.Episode Host:John Wilson: @wilsoncompaniesSpecial thanks to our sponsor: Service Scalers: Looking to scale your home service business? Service Scalers is a digital marketing agency that drives success in PPC and LSA. Discover more growth strategies by visiting Service Scalers.Check out Owned and Operated Weekly Insights: a newsletter where John discusses topics ranging from recruiting and marketing to the growth of your home service business. Subscribe to the newsletter here.John Wilson is hosting a workshop in March! Join us March 19th-21st for the Breaking $5 Million Workshop! It's specifically crafted to help you take your home service business to the next level. Seats are limited and tickets are selling fast. You can check out the agenda and get all the details right here!Contact us:Youtube: @OwnedandOperatedPodcastX: @ownedoperatedcowww.ownedandoperated.cominfo@ownedandoperated.com

CECE REACTS Talks Going Viral on Youtube Doing over 5 Million Views a Month CECE REACTS on Errol Spence vs Terrence Crawford CECE REACTS on The Devin Haney WIN #cecereacts #story #bosstalk101 Subscribe Boss Talk 101:    / @bosstalk101   ► LISTEN LIVE: ► SUBSCRIBE PATREON:  / bosstalkpodcast101   ► CATCH UP on What You Missed: https://bosstalkpodcast101.com ► FOLLOW Instagram: https://www.instagram.com/bosstalkpod... ► FOLLOW us on TikTok:  / wayupwithyee   ► FOLLOW us on Twitter:  / unique_fashions   ► LIKE us on Facebook:  / eceo.smith   You can listen to Boss Talk 101 w/ E CEO & Mz Jamica Weekdays from 10AM - 2PM or on tPatreon app anytime! Executive Producer: Chasity Swilley Producer: Stephanie Smith Video Manager: Dennis Cooper Content Manager: Shamariah Smith Public Relations: Tre' Smith Visit Our Website and Subscribe: https://bosstalkpodcast101.com Instagram: https://www.instagram.com/e_ceo_/?hl=en Apple Podcast: https://podcasts.apple.com/us/podcast... Spotify Podcast: https://open.spotify.com/show/0yD2UzY...  

Please check out my other podcastshttps://scottharrisgroupservices.com/links/Business Funding Needshttps://bit.ly/scottHarrisgetfundingnowCredit Solutionshttps://www.prosperityfn.com/?referral-id=EJA965Support the show

ICT trader Jadecapfx meets Raja banks after thier exhanges on the Words Of Rizdom podcast about SMC $800k in prop firm payouts, Kyle has more than proven himself as a great forex day trader

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

American Red Cross is saying there is a blood shortage, so they are asking people to donate blood please. Sports betting in MD generated 2.5Million in the month of August. The Powerball Jackpot is climbing, its not 550million and next drawing is Wednesday. Make sure to also keep up to date with ALL our podcasts we do below that have new episodes every week:The Thought ShowerLet's Get WeirdCrisis on Infinite Podcasts

Ryan interviews Greg Rich, CEO of Vivantio, a SaaS company providing service management solutions. Greg started working in customer service at age 13 in his family's business and co-founded Vivantio in the early 2000s to fill a gap in the market for cloud-based service management software. Greg talks about keeping up with rapid advancements in AI and using it to improve customer experiences. He shares how Vivantio scaled from nothing to $5 million in ARR through channel partnerships, expanding to the large U.S. market, and focusing on customer education. Greg discusses the challenges of scaling marketing and sales as Vivantio transitions to a high-growth organization. Tune in to hear Greg's unique origin story and his vision to reach $20 million ARR in the next few years. Join 2,500+ readers getting weekly practical guidance to scale themselves and their companies using Artificial Intelligence and Revenue Cheat Codes.   Explore becoming Superhuman here: https://superhumanrevenue.beehiiv.com/ KEY TAKEAWAYS Greg Identified an untapped market for cloud-based service management SaaS in the early 2000s. He leveraged partnerships to fill the sales gap without significant cost early on. Greg was also creative in using low-cost marketing and pay-per-click to grow. Vivantio focuses messaging on educating customers about service optimization, education is key and Greg's customer service background has enabled him to create and foster a customer-centric culture. Vivantio expanded to the U.S. in 2011, and now 50% of revenue comes from the U.S. market. Greg has developed tech to leverage customer data and AI to provide industry benchmarking as well as predictive analysis. The biggest challenge when transitioning to high growth is scaling marketing and sales. BEST MOMENTS “One of the first things we did was realize that Russ and I weren't sales and marketing people...how do we fill that gap without the money to pay people?" "We leveraged our relationship with partners who were able to fill that gap we didn't have." "Now 50 per cent of our customers are in the U.S." "My biggest challenge is go-to-market - how do we scale, reach more people, get our message across succinctly?" Ryan Staley Founder and CEO Whale Boss ryan@whalesellingsystem.com www.ryanstaley.io  EPISODE RESOURCES www.vivantio.comSaas, Saas growth, Scale, Business Growth, B2b Saas, Saas Sales, Enterprise Saas, Business growth strategy, founder, ceo: https://www.whalesellingsystem.com/closingsecretsThis show was brought to you by Progressive Media

would you let your wife be with other men? would you let your husband be it other women? $5 Million cash or $1 per step for a full year?

Fake Or Real Recalls - Surviving Post Prime DayWebsite: http://www.battle4freedom.comNetwork: https://www.mojo50.comStreaming: https://www.rumble.com/c/Battle4FreedomStreaming LIVE on RUMBLE @ https://rumble.com/v2zrhtc-fake-or-real-recalls-surviving-post-prime-day.htmlhttps://www.dailymail.co.uk/news/article-12294035/Kamala-Harris-says-artificial-intelligence-kind-fancy-thing.htmlEh-I? Kamala Harris' latest 'word salad' gaffe sees VP attempt to explain artificial intelligence - with VERY confusing resultshttps://www.dailymail.co.uk/health/article-12288567/FDA-issues-recall-surgical-tools-Johnson-Johnson-KILL-patients.htmlFDA issues its 'most serious' type of recall over surgical tools made by Johnson and Johnson that could KILL patients - and dozens across the country have already suffered burnshttps://www.dailymail.co.uk/news/article-12289403/Colorado-hairdresser-denies-deceptively-editing-Poolside-Karens-rant-Mexicans.htmlColorado hairdresser denies deceptively-editing 'Poolside Karen's' rant about 'low class Mexicans' and calls for her to be EVICTED from luxury $6,500-a-month complex where both women livehttps://www.dailymail.co.uk/news/article-12289845/Suzi-Doughertys-photo-son-Caspar-rejected-photography-competition-thought-AI.htmlMum's astonishment as iPhone photo of her 18-year-old son taken at a museum is rejected by a photography competition because judges thought it was faked by AI: Here's the REAL storyhttps://www.dailymail.co.uk/news/article-12290903/Furious-Georgia-Democrat-Mesha-Mainor-flips-REPUBLICAN-party-turned-her.htmlBlack Democrat flips to become a REPUBLICAN: Furious Georgia State Rep. defects and tears into former party for 'embracing left-wing radicalism and lawlessness' and putting 'interests' of migrants 'over Americans'https://www.dailymail.co.uk/health/article-12286943/Dozens-patients-Ozempic-feel-suicidal-EU-regulators-flag-potential-depression-risk.htmlEXCLUSIVE: Is Ozempic causing a wave of suicidal Americans? FDA has received 60 reports of side effect and drug's maker Novo Nordisk says it's taking issue 'very seriously' — amid fears for 5MILLION people in the US taking slimming shot

On today's show, Nick Ferrari speaks to comedian & author Ben Elton to discuss his new documentary. MP Helen Whately joins live to discuss the roll out of the government's lung cancer screening programme, and AC Matt Twist reveals how many police hours have been spent dealing with the Just Stop Oil protests. All of this and more on this episode of the Nick Ferrari Whole Show Podcast.

Corina Layton (@corina_907 & @corina_907) is registered dental hygienist TikTok star with over 2.5Million followers. She looks to use her degree to continue educating the general public and other dental professionals; sharing tips and tricks on having an overall healthy mouth and body.   We discuss everything from growing a TikTok following, the best tips for healthy teeth and her obsession with golf.   Fill out the quick form here: https://forms.gle/AH1tusHRXkC3N5yM6 and be in with the chance of winning an Amazon Gift card   Get your 2-month free trial of my Inner Circle here https://bit.ly/InnerCircle2MTrial   Join the FREE Facebook group for The Michael Brian Show at https://www.facebook.com/groups/themichaelbrianshow   Follow Mike on Facebook Instagram & Twitter

“This episode is sponsored by BetterHelp. Give online therapy a try at betterhelp.com/sawthis and get on your way to being your best self.”

When MYPillow CEO Mike Lindell promoted false election conspiracy theories in 2020 and urged the public to “PROVE HIM WRONG” there was one man who knew he could do it... software engineer Robert Zeidman.  Lindell claimed he had data that proved China interfered in the 2020 presidential election, but Robert Zeidman had a strong hunch he was wrong.  He entered Lindell's “Prove Mike Wrong Challenge,” where Lindell was offering up $5Million to anyone who could debunk his claims. The arbitrator agreed that Zeidman's data proved without a doubt that Lindell's claims were nothing more than “fake news”.  Today, we interview truth seeker, Robert Zeidman, to hear all the details on how his quest for the facts landed him a financial windfall. BUT – will he ever really get that money? Listen to the episode to find out!  Zeidman's story has been all over the headlines recently, as reported by the Times, the Post, NPR, NBC, CNBC, CBS, and literally EVERYWHERE... but nobody is bringing you this story quite like Rachel Uchitel can!  You DO NOT want to miss this episode!  --- --- --- ⁠⁠⁠⁠Miss Understood with Rachel Uchitel⁠⁠⁠⁠ Executive Producer: ⁠⁠⁠⁠Kelli Brink⁠⁠⁠⁠ Please like, share, subscribe, and give us a 5-star review! Do you have show ideas, media requests or sponsorship opportunities? Email the show at: ⁠⁠infomissunderstoodpodcast@gmail.com⁠⁠ ⁠⁠⁠⁠Watch every episode on YouTube!⁠⁠⁠⁠ @missunderstoodpodcast ⁠⁠⁠⁠Listen on Apple Podcasts!⁠⁠⁠⁠ ⁠⁠⁠⁠Follow Rachel on Instagram!⁠⁠⁠⁠ @RachelUchitelNYC

Xali Gold is an enviable sweet spot amongst its peers as they succeed in their organic growth strategy. Xali is now receiving income from 2 different projects. This is a rarity for micro-cap exploration companies and it speaks to the strength of management sticking to the plan. Generating. Cash Flow. Revenue generation marks a fundamental change for any company and very few achieve this type of growth, and almost none of them are junior exploration companies. None of them are Xali. Xali Gold has assembled a Western Mexico project portfolio of exploitable gold assets, and in doing so developed a strategy for organic growth, creating a revenue stream from 2 separate projects. They announced the plan, now they are delivering on it. Xali signed a Binding Letter of Intent with Minera Cinco Reales S.A. de C.V. for a profit sharing agreement on the SDA Plant in Nayarit, Western Mexico. Partnering with a local Mexican mining group provides both the investment and expertise to make the SDA Plant fully operational, as well as the initial gold and silver bearing material to process. This is a win win for all parties involved and could generate around ~100k a year. In time this adds up substantially and being non dilutive only strengthens Xali's plans for the future. Xali is putting their assets to work developing cash flow to advance the flagship El Oro Hard Rock Project. Two opportunities for profit sharing to develop El Oro, a prolific high-grade gold-silver epithermal vein system. By acquiring gold and silver projects in western Mexico with near term revenue and exploration potential, Xali is positioning itself to fund it's own growth and chart its own development, free from the expense and dilution of raising capital. They are very much on track to achieve this as they have also received income from the El Oro Tailing's Reprocessing project. Optioned to Sun River Gold, the agreement calls for advanced NPI ( Net Profit Interest ) payments of US$15,000 per month upon commercial production. Until that is achieved Xali receives 50K$ a month, then retaining the first 1.5Million from the "NPI". The Mexico Mine Tailings contain an Inferred Resource* of 1,267,400 Tonnes grading 2.94 Au g/t, 75.12 Ag g/t containing 119,900 ounces of gold and 3,061,200 ounces of silver. The strategy behind all this is due to El Oro. There is tremendous exploration discovery potential. It was one of Mexico's highest grade historic gold and silver producers. It has already demonstrated 8 million Gold Equivalent ounces mined, or 6.4 million ounces of gold and 74 million ounces of silver from just 2 of the known veins on the property. There is ample evidence of more veins and mineralization that has not been exploited, 31 other exploration targets have been identified and management believes they have a " stacked system ", which is a fancy way of saying mineralization on top of mineralization; potentially making future economics very compelling. This is especially true if its organically derived revenue funding this exploration, a non dilutive event that only strengthens Xali's growth potential for a major discovery. If proven it will elevate Xali into a completely different type of company. Sit back and enjoy this great interview with CEO Joanne Freeze as she walks us through the strategy and potential upside of exploiting El Oro Gold project with further high grade discoveries.

The FBB Podcast is BACK after a year! I've spent the last year scaling our gym chain -The TransformHub - to 20 locations. And now I'm back to share some of the insights and lessons we've learned on the way. Starting with the 4-Phase model to scale your fitness studio from ZERO to millions. This is the roadmap is WISH I had starting out! It will save you years of wasted effort and help you quickly get to the next stage of your growth, no matter where you are today. Leave a Review on iTunes and subscribe to the podcast if this helps you! And drop your feedback to me personally on my IG: https://www.instagram.com/justin_devonshire/ Talk soon Justin

As you start scaling, sometimes we find ourselves in a position where we've got a big team to manage, expenses growing rapidly, and less time than ever - I don't know about you, but that's not why I started my business. In today's episode, I want to share with you my story and all the mistakes, wins, and lessons I've learned from scaling to 7-figures so you can hopefully make scaling fun again.

Today on The Robby Starbuck Show: Mall of America kicks a man out for wearing a Jesus shirt, Court orders Holocaust survivor to get COVID VAX, San Fran proposes $5MILLION each in reparations for black residents, famous cardiologist calls for vax to be suspended, man in girls locker at YMCA, is it racist to be on time? and breaking down the cruelty of leftism. Watch the video version of our episodes on YouTube, Rumble, X and Facebook!Visit our website at RobbyStarbuck.com for additional information.Be sure to subscribe to the show in your podcast application to get notified of new episodes!Join a real healthcare service where the doctor comes to you! Our partner Claris Concierge health offers regular care, vitamin IV's and more in Nashville, Knoxville, Franklin and surrounding areas. If you want to break away from the insurance companies and get the care you deserve: Join today at RobbyVIP.com for 10% off your first service. If you live somewhere else sign up to be notified when Claris Concierge Health is available in your area at RobbyVIP.comSpecial Thank you to our sponsor Patriot Mobile. Visit PatriotMobile.com/starbuck and use code "STARBUCK" to get FREE ACTIVATION when you change your cell phone provider to this PATRIOT OWNED company. Stop giving your money to companies like Verizon who turn around and enrich the groups who seek to undermine our values! Make the switch today!Support the show by purchasing at mypillow.com and using promo code "STARBUCK" to receive 65% off your entire order!Support the show by purchasing at bravebooks.us and using promo code "STARBUCK" for 10% off your entire order!

Ronny Leber (@Ronny Leber) is a speaker and presenter that's entertained 5Million+ people around the world on TV, stages, boxing rings, and much more.   We discuss how to deliver your perfect speech and some trade secrets and truths about the media landscape.   Fill out the quick form here: https://forms.gle/AH1tusHRXkC3N5yM6 and be in with the chance of winning an Amazon Gift card   You can find out more about Ronny at www.ronnyleber.com and ronnyleber   Get your 2-month free trial of my Inner Circle here https://bit.ly/InnerCircle2MTrial   Join the FREE Facebook group for The Michael Brian Show at https://www.facebook.com/groups/themichaelbrianshow   Follow Mike on Facebook Instagram & Twitter

Episode 163 Welcome to a special episode of the MSP Marketing Podcast with me, Paul Green. This is THE show if you want to grow your MSP. This week's podcast is all about our special guest, Anne Tasker, who grew her MSP to £5m in revenue. She joins me to explain exactly how she did it and the lessons she learnt along the way. Anne founded Zenzero Solutions in 2001. During her 20+ years as Managing Director of Zenzero she took on multiple responsibilities as the business developed. Initially hands-on supporting customers, implementing innovative digital services. As the business grew her focus moved to: developing the core technical teams and SLT; developing the sales engine; and implementing commercial and risk controls. In 2021 having grown the business organically to £5.5m, she successfully obtained Private Equity funding to ensure the continued growth of the business. Anne is now a Non-Executive Director for the business which is allowing her to enjoy other interests (mainly sailing!). Connect with Anne on LinkedIn: https://uk.linkedin.com/in/anne-tasker-4072217 Extra show notes: Listen or watch every Tuesday on your favourite podcast platform, hosted by me, Paul Green, an MSP marketing expert: https://www.linkedin.com/in/paul-green-msp-marketing/ https://www.paulgreensmspmarketing.com/about/ Find out about my MSP Marketing Edge service: https://www.mspmarketingedge.com Subscribe to my YouTube channel: https://www.youtube.com/mspmarketing Subscribe to this podcast using your favourite podcast provider: https://www.audible.co.uk/pd/Paul-Greens-MSP-Marketing-Podcast-Podcast/B08JK38L4V https://podcasts.apple.com/gb/podcast/paul-greens-msp-marketing-podcast/id1485101351 https://www.stitcher.com/podcast/paul-greens-msp-marketing-podcast https://podcasts.google.com/feed/aHR0cHM6Ly93d3cucGF1bGdyZWVuc21zcG1hcmtldGluZy5jb20vZmVlZC9wb2RjYXN0?sa https://music.amazon.co.uk/podcasts/b03a9638-adf4-4491-93f1-569183e079d7/Paul-Greens-MSP-Marketing-Podcast https://open.spotify.com/show/1Hw52ScOg5WvGaBUkaOrI7 https://tunein.com/radio/Paul-Greens-MSP-Marketing-Podcast-p1264893/ https://blubrry.com/paulgreenmspmarketing/ https://deezer.com/show/1512622 Got a question from the

For our last episode of 2022, Sylvain looks back to the top food story of 2022 and the tradecraft of how the top 10 food story ranking comes together in a super-busy food year.  We also talk about the Russian fertilizer tariff and who paid when for the $ 34 million donation to Ukraine.Our special guest for this episode live from San Diego, California via Vancouver & Toronto, is Sam Zien, aka Sam the Cooking Guy, who shares his remarkable and inspiring journey to 3.5Million subscribers on YouTube, three restaurants and six cookbookshttps://www.youtube.com/@samthecookingguyOnce again, we are sponsoring the Canadian Grand Prix New Product Awards, presented by Retail Council of Canada on May 31, 2023.   The deadline for submissions is December 31, 2022 - one of the benefits is being interviewed for Canada's top food industry podcast - us!https://rccgrandprix.ca/And big news we are once again working with the great people at the SIAL Food Innovation show and will be the official podcast of the 2023 SIAL show this year here in Toronto from April 9 to 11thhttps://sialcanada.com/en/Our next episode will be on January 9https://www.dal.ca/sites/agri-food/research/top-10-food-stories-2022.html

Jay Howard is best known for being a property trader, who specialises in buying and selling at auctions.   He has 20 years of experience in property investing, auctions and trading properties. Deals that range from typical residential to mixed-use and commercial properties.   He is the Author of the Amazon #1 bestselling book, ‘Before the Hammer Falls." In 2013 he co-founded  Hammered- a business that makes it simple for anyone to buy or sell a property at auction.   In this episode:   We get an insight into Jay's backstory and how he became a successful property investor. How he went from being expelled from school to managing over £3billion worth of assets. He shares why to prefers property trading over holding long-term as a landlord. How he turned £1million into £5million in 18months... On one deal.  The fundamentals of trading deals and the importance of having the right metrics And much more   Enjoy!   ***************   GET IN CONTACT.   Email- raj@propertyinvesting2-0.com   Linkedin: https://www.linkedin.com/in/raj-chengadu-11381b69/   Now on Instagram: https://www.instagram.com/propertyinvesting2.0/?hl=en   BOOK YOUR 1-TO-1 FREE CALL WITH RAJ   - Hit a stumbling block on your property journey? - Have difficulty setting goals? - Need a strategy review?     Reach Out & Get in Contact https://calendly.com/propertyinvesting2-0/free-1-to-1-call    Guest: https://instagram.com/the.auction.insider?igshid=YmMyMTA2M2Y=     *Disclaimer* As always, the content in this episode is for informational and entertainment purposes only and are the views of the host and guests. This information is NOT financial advice. Please speak to a professional advisor and do your own due diligence when looking to invest in property and business.

Are you looking left and right while charting and wondering if your colleagues are earning more money than you? If you're in the know about the AAPA Salary Survey or you don't understand the world of salary and effective negotiation, you're not alone, we didn't really know either. There is so much goodness in that AAPA Salary Survey report (and in 2022 it's interactive!) So while the healthcare industry has lost it's mind with compensation and brand new baby nurses are being paid $30,000 sign on bonuses, learning about the physician associate gender wage gap is something you are going to want to do. The PA Gender Wage Gap. What's the first thing you think of when you hear that? Maybe you're thinking - well, I work part time or I have better boundaries than my male PA colleagues - but here's the thing - you are doing the same job! Maybe you are skeptical about the data but have a healthy curiosity to learn more. The AAPA Salary Survey revealed in 2018 that female PAs are making, on average are earning $11,500 less per year than their male-identifying colleagues. This means that for every $1.00 that male colleagues are making, female-identifying PAs are earning only $0.90. The mean male PA salary is nearly $12,000 per year more than the mean female PA salary! $11,500 invested in a solid index fund over the course of a 30 year career compounds to be 4.5Million dollars at the age of retirement. Holy moly! Get ready to get fired up about how much you are earning and feel inspired to create a plan for negotiation! Avoid the 5 Most Common Mistakes PAs Make When Asking for a Raise here. TAKE THE PA QUIZ https://www.tracybingaman.com/type SHOW NOTES https://www.tracybingaman.com/blog MEET TRACY https://www.tracybingaman.com/about 5 MISTAKES PAS MAKE https://www.tracybingaman.com/mistakes

Xali Gold is an enviable sweet spot for amongst it peers. They are just beginning to reap the rewards of their organic growth strategy through receipt of their first revenue. Xali Gold has assembled a Western Mexico project portfolio of exploitable gold assets, and in doing so developed a strategy for organic growth. It doesn't stop there either, Xali is generating revenue to develop its Flagship Gold Project El Oro, a prolific high-grade gold-silver epithermal vein system. By acquiring gold and silver projects in western Mexico with near term revenue and exploration potential, Xali is positioning itself to fund it's own growth and chart its own development, free from the expense and dilution of raising capital. They are very much on track to achieve this as they have received the first tranches from the El Oro Tailing's Reprocessing project. Optioned to Sun River Gold, the agreement calls for advanced NPI ( Net Profit Interest ) payments of US$15,000 per month upon commercial production. Until that is achieved Xali receives 50K$ a month, then retaining the first 1.5Million from the "NPI". The Mexico Mine Tailings contain an Inferred Resource* of 1,267,400 Tonnes grading 2.94 Au g/t, 75.12 Ag g/t containing 119,900 ounces of gold and 3,061,200 ounces of silver. The strategy behind all this is due to EL Oro. There is tremendous exploration discovery potential. It was one of Mexico's highest grade historic gold and silver producers. It has already demonstrated 8 million Gold Equivalent ounces mined, or 6.4 million ounces of gold and 74 million ounces of silver from just 2 of the known veins on the property. There is ample evidence of more veins and mineralization that has not been exploited, 31 other exploration targets have been identified and management believes they have a " stacked system ", which is a fancy way of saying mineralization on top of mineralization; potentially making future economics very compelling. If proven it will elevate Xali into a completely different type of company. Sit back and enjoy this great interview with CEO Joanne Freeze as she walks us through the strategy and potential upside of exploiting El Oro Gold project with further high grade discoveries.

Stephen Kinsella, Professor of Economics at the University of Limerick, and writer with The Currency

Jamie Comes is a Destin, Florida mama who's mastered using social media for a sales volume of over $2.5Million in her first 6 months in the industry! Jamie wanted to get straight past the “Hi, I'm a new agent” phase so she turned to social media to attract clients. Her social media skills have proven to be successful as she is already crushing it in her first 6 months as an agent!  

What we would do if we won the lottery Last week, the Powerball winner got $1.4Billion. If Sal won the Powerball, he would've paid his parents' mortgage off and bought himself a house. The rest of us would buy all the toys and we would get all our closest friends to quit their jobs and work for us. 70% of all lottery winners lose all the money within 5 years. The thing with money is, the more you have, the more you spend. If you're not making money, you will run out, no matter how much you win. Sports News Some of these NFL suspensions make no sense. Deshaun Watson was suspended for 6 games, while Calvin Ridley was suspended for a year for betting on games when he wasn't even playing. The NFL also suspended the Dolphins owner $1.5Million for offering Tom Brady partial ownership to sign him. In other sports news, the Cardinals did not win Juan Soto. We're not too upset with this result. We're more impressed with Otani's talent, to be honest. He's like the next Babe Ruth.   Follow us: Instagram:        www.instagram.com/brofessionaldevelopment Facebook:         www.facebook.com/brofessionaldevelopment Twitter:            www.twitter.com/brofessionald   Listen to the Brofessional Development Podcast: Website:                       https://brofessionaldevelopment.com Apple Podcasts:            https://podcasts.apple.com/us/podcast/brofessional-development-podcast/id1525013123 Spotify:                         https://open.spotify.com/show/18Mm3zIWLUl3vdAj0zBYHj   Brofessional Development Podcast is hosted by St. Louis Business Owners Bobby Drummond, Brad Loyet, Dan Greiner, and Matt Kresko!

Man praised for taking his sick friend's virginity. GEICO pays woman $5million for getting an STD in her ex boyfriend's car. Michigan is making fake urine illegal. // Weird AF News is the only daily weird news podcast hosted by a comedian and recorded in a closet. Show your SUPPORT by joining the Weird AF News Patreon where you'll get bonus episodes and other weird af news stuff http://patreon.com/weirdafnews  - WATCH Weird AF News on Youtube - https://www.youtube.com/weirdafnews - check out the official website https://WeirdAFnews.com and FOLLOW host Jonesy at http://instagram.com/funnyjones or http://twitter.com/funnyjones or http://facebook.com/comedianjonesy or http://Jonesy.com

Lauren Riihimaki is a YouTuber who has over 8.5Million followers on YouTube channel LaurDIY and 21M+ followers over social media. She is also the host and executive producer of an HBO Max competition series called Craftopia. Prior to that Lauren won the YouTube Streamy Award in the "Lifestyle" category, and a Shorty Award in the "House & Home" Category. Lauren started her YouTube career in her first year of University in Toronto, Canada.  Check out our brand new YouTube Video Podcast!  https://www.SmartVenturePod.com IG/Twitter/FB @GraceGongGG LinkedIn:@GraceGong YouTube: https://bit.ly/gracegongyoutube Join the SVP fam with your host Grace Gong. In each episode, we are going to have conversations with some of the top investors, super star founders, as well as well known tech executives in the silicon valley. We will have a coffee chat with them to learn their ways of thinking and actionable tips on how to build or invest in a successful company. ===================== Brought to you by: https://link.blockfolio.com/9dzp/stwlap68 Use code: smartventure https://momentonft.com

I honestly think The Weeknd deserves the same amount as Kanye West for performing at coachella, just know since you have met that demand, once Kanye West agrees to another show; it will probably be double that amount! --- Support this podcast: https://anchor.fm/a100savage/support

“Stop talking about the environment, stop talking about emissions, people don't really care about carbon emissions, it's too intangible. Instead, marketing needs to focus on the benefits to people, aligned with people's existing decision making frameworks and what they care about. Time to sell net zero and climate action as a gain, rather than a loss.” In this episode, we hear more wise words from Adam Bastock, a passionate environmentalist who founded Small99 to provide practical and clear guidance to small businesses to learn how to take action to reduce their environmental footprint. Small businesses make up 96% of businesses in the UK - and approximately 75% of those are solo directors. That equates to over 4.5Million businesses that have a collective opportunity to drive significant impact when it comes to taking steps towards the UK's net zero targets. Of course, where to start and what to do are two key questions for small business navigating a landscape which is constantly evolving, with many confused around zero carbon, carbon neutral and net zero. If that's you - then Adam provides clarity and masses of practical insights, questions, starting points and examples of what can be done and the steps you need to focus on. Adam talks about the necessary mindset shift required to start thinking about carbon budgets, in much the same way we would about financial budgets. Considering the practicalities of how to address Scope 1 / 2 and the challenging Scope 3. Re-listening to this podcast to pull out key highlights to share here - there are just so many gems. My advice if you're a business keen to learn about where to start with measuring your impact and doing something about it - then tune in to what Adam has to share. You can find out more about Small99 - and tap into the practical resources Adam mentions in the podcast here: http://small99.co.uk/measure https://community.small99.co.uk/. Enjoy… Due to the COVID19 situation, our podcasts are currently being recorded purely via online conferencing platforms, we apologise for any minor sound quality issues.

How do I get replacement key fobs and key for cars. How can I get better brakes on my 1972 Classic Chevy Truck. 2012 Ford Taurus. How do I fix my wiring? 2004 Buick Century. How can I fix an Antifreeze leak? How do I repair my Rear View Mirror Compass and Temperature? A shortage of Auto Parts. 2008 Ford F150. How do I fix my Power Windows? How good is the new small 3.0 Duramax Engine.  2013 Ram 3500 Cummins Diesel. Why do I have no heat inside and engine overheating?

Fail fast. Fire fast. Quit fast. That's Ryan's approach towards learning. In school, his report card showed where his interests were. He did great in classes that really interested him but did REALLY bad in classes that didn't. He went to college but had a hard time maintaining motivation to show up to classes.Listen in as he tells Jonaed how he learned to become passionate about what he wanted to become, why he walked away from the company he saved $1.5 million and creating Lead Engines, an outbound automation tool that makes make prospecting easier. Want to get in touch and/or support Ryan?LinkedInCompany:Lead EnginesLinkedInYoutubeTwitterAPI Exchange Remember, you're the sponsors to our show. If you'd like to support our mission to end the stigma attached to not having a college degree, please share with a friend, drop us a review on Apple Podcast or subscribe to ourPatreon.Want to get in touch with NoDegree?Listen to more podcast episodes hereFollow and/or connect with Jonaed Iqbal on LinkedInFollow NoDegree on LinkedIn,  Facebook and InstagramRemember, no degree? No problem! Get started with your no-degree job search at nodegree.com.