Podcasts about assessing risk

When your corporate job feels "secure" until it suddenly isn't, real estate can become the Plan B that turns into your best move…  In this episode of the #DoorGrowShow, DoorGrow founder Jason Hull sits down with John Casmon (multifamily syndicator, host of Multifamily Insights, and co-creator of the Midwest Real Estate Networking Summit) to break down how corporate professionals can transition into multifamily investing without becoming a stressed-out landlord. They dive into how John went from corporate bankruptcies to building a multifamily portfolio, what passive investors actually need to know before putting money into a deal, and why trust + clear expectations matter just as much as the numbers.  Jason and John also unpack what this means for property managers: how to align with investor goals, why the best operators project calm control (even in chaos), where syndicators hang out, and how PMs can position themselves to win more multifamily doors.    You'll Learn (00:00) Transforming Property Management: An Introduction  (00:59) John Casmon's Entrepreneurial Journey  (02:56) Transitioning to Multifamily Investing  (04:33) Understanding Investor Types and Property Management  (05:48) The Role of Property Managers  (07:49) Investor Control vs. Trust in Management  (09:33) Challenges in Property Management  (11:17) Aligning Goals with Property Managers  (14:19) The Real Product of Property Management  (17:14) Managing Investor Expectations  (19:50) Syndication: A New Avenue for Property Managers  (23:44) Legal Considerations in Syndication  (26:41) Calmness in Chaos: The Key to Success  (31:40) Partnering with Syndications  (33:54 The Role of Property Management in Syndication  (38:29) Finding Syndicators and Building Relationships  (42:24) Understanding Passive Investment in Syndication  (47:45) Identifying Your Investment Goals  (51:54) Assessing Risk in Real Estate Investments  (55:15) Choosing the Right Market for Investment  (01:00:12) The Three C's of Raising Capital Quotables "The first C is confidence. Confidence comes from preparation." "The investment itself, we got to go out there and execute. But that investor psyche is a completely different game."  "It is not your job to hope. Your job is to analyze the information in front of you and make an informed decision." Resources DoorGrow and Scale Mastermind DoorGrow Academy DoorGrow on YouTube DoorGrowClub DoorGrowLive Transcript Jason Hull (00:01) All right, five, four, three, two, one. All right, I'm Jason Hull, the founder and CEO of DoorGrow, the world's leading and most comprehensive coaching and consulting firm for long-term residential property management entrepreneurs. And for over a decade and a half, we have brought innovative strategies and optimization to the property management industry. 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. Now let's get into the show. So my guest today, I'm hanging out here with John Casman, a multifamily syndicator, host of the multifamily insights podcast and the co-creator of the Midwest real estate networking summit. And in today's episode, John's going to break down how corporate professionals can transition.   into multifamily investing, how to find the best markets, how to raise capital effectively, and what separates successful operators from everyone else. John, welcome to the DoorGrowth Show.   John Casmon (01:10) Yeah, Jason, thank you for having me. I'm really excited to be here. Love the intro, your intro, not my intro, ⁓ but excited to be here and share as much as we can on our journey to help all of your listeners reach their goals.   Jason Hull (01:22) Cool. So John, ⁓ it's great to have you. I would love for people to hear about your entrepreneurial journey. How did you get to where you are now? And then we can get into your business.   John Casmon (01:34) Well, the short answer is bankruptcy, right? I worked for a couple of different companies that went through bankruptcy and that really made me consider my other options. You know, I was at General Motors back in 2007, 2008, 2009 when we went through bankruptcy and I was there and I watched what that did to a lot of my peers. I one day in particular when we were going to have a lot of layoffs, I went to work as late as I could. But when I got there, I had a red message, a little red dial on your phone.   for anybody who's worked in corporate and remember voicemails. So I had a red dot on my phone, picked it up, pushed the play button and my heart skipped a beat because I thought maybe I was getting to the can, right? And it was actually a colleague of mine who sat kind of kitty corner in front of me and he had been let go. He, you know, was diabetic. He didn't know I was going to pay for his medication. He just was venting in his voicemail. And I just remember feeling empathy for him, but also   a sense of I just never wanted to be in that situation. So it made me really start to think about Plan B. Eventually I moved to Chicago, realized real estate was going to be that path and learned everything I could about investing. So it kind of took me down that pathway to say, you know what, I need a Plan B because no matter what you do, when you work in corporate America, you do not control your future. You know, there's politics, there's policy, there's a lot of different things involved that you do not control.   And sometimes it does just come down to someone not liking you for whatever reason, or they think you're a threat. And I didn't want to spend the rest of my career navigating those issues. So I figured I had to take more into my own hands.   Jason Hull (03:16) got it. And so you start taking things in your own hands and what was the result?   John Casmon (03:20) Yes. So we landed on multifamily investing, started with small multifamily. My first investment was a two unit building. We house hacked it, which is a common popular phrase now. But back then it wasn't quite as common. But we lived upstairs. We rented out the first floor unit and it worked great. You know, it worked so great that we went to refinance and we had created enough equity in that first investment to pull out a six figure line of credit and go out and buy another property. So.   Jason Hull (03:45) Nice.   John Casmon (03:47) That really got the ball rolling. bought a three unit building, we bought an eight unit building, and at this time I'm still working in advertising, still working in corporate America, and I enjoyed what I was doing, and I just had my second child, but the agency I was working for also went through bankruptcy right at this time. We had expanded, we were growing, and we had kind of combined with a few other agencies and kind of became this little conglomerate, and it just eroded just as quickly as it grew.   I remember again, just sitting there and I've got some real estate. I've got a little bit of cashflow, but not enough to pay all my bills. New baby. And I just realized this real estate thing is working, but the exact strategy I'm employing doesn't allow me to insulate myself from these economic changes and shifts. So I had to change my strategy and that led me to syndication. Since then, we've acquired over $150 million worth of apartments.   We've partnered with busy professionals to buy these properties and give them some passive income. And that's what we've been doing ever since.   Jason Hull (04:50) Got it. So your area of genius really is helping these people that were similar to you, they're in the corporate environment transition into being an investor in real estate.   John Casmon (05:01) Yeah, exactly. And I would say too, it doesn't have to be you're going to quit your job and do this full time. And in fact, most people don't, you know, but most people do want a little bit more control over their life. You want a little bit more flexibility. You want to earn and start building up, you know, your net worth. You want to have a little bit more liquidity. You have to look at your investments to say, what should you be doing? I think most people know that their 401k, their, you know, company issued life insurance.   probably not enough to really get you on the fast track to retirement. So what else could you do? Certainly you can invest in the stock market. Lots of folks do that. But real estate is a proven vehicle. The challenge is, I don't know anyone who really wants to be a landlord, right? ⁓ Certainly you want the benefits of real estate investing, but very few of us want to get those 2 a.m. phone calls. So the shortcut there is, ⁓ hire a property manager. Great solution. But now you have to be able to manage   property managers, right, which is this whole other business. And if you don't have enough scale, then it's hard to get that person really focused on your business. So we offer an alternative, right? You get all the benefits of real estate investing, all the ownership perks without any of the headaches of being the landlord yourself. So it really is a great marriage of being in real estate without having to do the heavy lifting yourself.   Jason Hull (06:15) Okay.   Okay, so ⁓ the target audience of this show are property managers. So if they're not gonna use property managers, then what's the alternative? How does this work?   John Casmon (06:29) Well,   first of all, what we do is not always for that individual. So I think that's the key, right? You've got to understand who you are from a psychological standpoint. So when it comes to investors, there's two types of investors. One wants control, right? They're not willing to be passive. And some people think they want to be passive until they're in a passive situation and then they're calling and they want to know why you did this and why you did that and how come you did do that. That's not a passive investor. And that's fun.   Jason Hull (06:45) Yeah.   Yeah, they're anxious. Yeah. Yeah.   John Casmon (06:58) And   if that's you, you should be active, right? And you should work with a property manager, but you also want to work with the property manager who is going to be right for you, right? Because sometimes that is not how they operate. So you want to understand that. And that's a process to understand who you are as an investor, what kind of investment strategy fits you and what's going to be right there. When it comes to property managers, though, I think there are a couple of things. And as a matter of fact, we just left out of meeting with   property management company yesterday. They have 2000 units. We talked about some other services that we offer. And one of things that stood out to me was just understanding some of the challenges that property managers face. And one of them is property managers are really in a position to think like everyone. They're supposed to think like an investor. They're supposed to understand maintenance and kind of the construction arm enough to understand what needs to happen at a property. But they are really little CEOs, right? Because for   Our stuff, the large apartment stuff, those are typically million dollar annual revenue businesses. And this person is in charge of that asset of that business. They are making the day to day decisions. They are the face for the residents, aka the customers of that business. They are the face and their experience with that individual is how they view that business. So it really is an important role. And if you're working with property managers, it's really important to understand how to find the right people.   to connect with them and have them represent your business, your brand, company in the right light.   Jason Hull (08:30) So now you left an open loop that I want to close. So you said there's two types of investors, those that want control and maybe should go find a property manager, you said. And then what's the other type?   John Casmon (08:34) Yeah.   The other type is those who don't want control and they trust someone else to handle that. And for them, there are a couple of different ways of investing. One is investing passively with a group like ours. The other is turnkey investing where again, you hire a property manager, but you really entrust them to manage the property. The only thing I would say for either one of those groups, myself included, is you want to trust but verify. Okay. You've got to do a lot of your due diligence upfront. You want to understand how they operate. You want to talk to   some of their other clients, some of their other investors, because you need to get a really good sense of what to expect. And a lot of people are great at selling themselves upfront, right? I can tell you everything you want to hear upfront. You want to know what is it like once you sign the paperwork? How often are we going to talk? How frequently am I going to get updates? And at what point am I able to weigh in and make decisions? Because if, if you are someone who wants to be more active or be heard, or you've got thoughts and opinions,   Jason Hull (09:18) yeah.   John Casmon (09:35) You want to make sure you have a voice in your investment. Otherwise you may get really disappointed or you may bring on someone who has a different perspective of what that relationship looks like and that never is going to work out.   Jason Hull (09:47) Yeah, there's a big challenge in the industry and that's that most property management companies suck. so most investors that have dealt with property management to some degree are they have some scar tissue, they've been burned a little bit. They've a lot of property managers that started their businesses that come to me for help to grow their business. They started because they were investor and they couldn't find anyone else to manage the property good enough. And that's why they started their business, but it can be a difficult business to run. so none of them start their business saying, I want to suck.   But that's kind of the default unless they get some really good support or figure some things out through a lot of trial and error. And so that's where DoorGrow comes in. We help them with that. But one of the things I coach my clients on a lot is that they need to shift into being daddy over these rental properties. They need to like tell the owner, hey, you need to trust me. And they need to be able to have a really effective business so that they can lean into that trust.   because a lot of people are anxious. They'll come to them with concerns, but generally if a property manager is good, they're much better at this investing stuff than most investors. And they're much better at coordinating maintenance. They're much better at handling leasing. And so when an owner tries to micromanage a property manager, it kind of doesn't make sense to hire somebody to manage your asset just so you can manage them to do the job. And so I think the secret is finding a really good property manager that you can   let go of control because you can trust them. And but yes, you need to verify that they can do the job that you need them to do. And so a good property manager will take ownership of it and they'll take control and they will, they'll display a lot of certainty and confidence in how they communicate and they won't allow you to micromanage them is what I've seen. So.   John Casmon (11:37) Yeah, Jason, and I'll add to it. There's a two way street there. And I think it's easy for people to say, ⁓ most property managers suck or they're not good or whatever. And listen, there's certainly a lot of challenges there. A lot of folks who are not living up to par to the standards. But I will go back to this. We ask property managers to do the work of generally like a CEO. Right. I mean, again, they're managing million dollar businesses in many cases, yet they don't have that training. They don't have that experience. They don't have the ability to navigate.   all of these various things. So part of what owners and investors need to also understand is that you play the role of asset manager. And that means giving clear direction of what success looks like so that that property manager has a framework to make decisions. It's not to micromanage those decisions, but to help them understand how their decisions impact the greater good. And part of that is like, again, just sitting down with annual goals. What are revenue goals? What are our goals on?   Occupancy, what are our goals on in a lot? And this may seem simple, but I promise you a lot of folks don't do this. And if you don't do that, then that property manager is going to default to, for instance, I'll give you a great example. I've got a property manager. She's awesome rock star. But she always gets nervous when occupancy is not at like 96 or 97 percent of this property. So she is, you she starts apologizing profusely and all I did this or done that and like.   Jason Hull (12:58) Yeah.   John Casmon (13:04) Occupancy is one of our KPIs for sure. It's important, but that is not the KPI. I am focused on my net operating income. And if we're going to push rents, the impact of that is you're going to have higher vacancy and she is not comfortable with that. And that's probably because she's used to working with owners who want that thing fully rented and they are comfortable having 100 % occupancy.   Jason Hull (13:13) Yeah.   Hmm.   Yeah.   John Casmon (13:33) if they're leaving 50 bucks, 75 bucks, whatever it is of rent on the table. And that's the part where you've got to really align with your vision versus their vision, because what they have in the back of their mind may not completely align with what you have. Or they have residents in their face who are coming into the office. They want something fixed. They want it done quickly. They want it done right. They want it done yesterday.   Jason Hull (13:49) Right.   .   John Casmon (13:59) So they've got that pressure of this person in their face. So they may go out there and spend the money or authorize the money to get spent. And maybe they're not picking the most cost effective measure. So you have that. And I'll give you one third one. A lot of times when you run into the flip side of that is maybe occupancy is low. They say, hey, we need to increase our marketing spend, right? We got to increase our marketing budget. know, ox is down to 88 or 90%. We got to spend more money. And we're not necessarily.   really zeroing in on what the specific issue or challenge is at that property. So for an owner, your job as an asset manager is to partner with them and to help them see what the options are, help them work through with some of those challenges and solutions are and partner with them to find success. It's not to micromanage them and tell them what to do, but it's really to understand the situation better and give them that perspective.   Jason Hull (14:49) Yeah, that makes a lot of sense. think, you know, one of the things I've seen is that I've noticed a lot of property managers, they make the mistake of thinking that the goal or the product that people want to buy from them is property management. But investors don't wake up in the morning and go, man, I'm so excited to get property management today. The thing that they want. And so the way I describe it to them as they say, property management is like the flight to Hawaii. It's not Hawaii.   and you're trying to sell the flight. That's not the exciting part. You need to figure out what the investor wants, what their goal is. Where do they want to go? What's Hawaii for them, right? What's paradise? And then how do we optimize for that? And how do we help them create a path for that? Because the actual product that a property manager is selling is not what they do. It's not property management. The actual product is them. It's them and their values and their belief system and how they create trust and the team they build and the system and mechanism they build around them.   That's the actual product the property manager is selling. so a lot of property managers make that mistake. They sit there and talk to you about maintenance coordination and leasing and inspections. And meanwhile, you're just wondering as an investor, can I even trust this person? Like do our values align? Yeah. So I don't know what your thoughts are on that, but.   John Casmon (16:11) I think you're spot on, right? Because, I mean, ultimately, as an investor, you are only as good as the team you can build. And that property manager is in charge of the day-to-day aspects of the business. especially when you, you know, I've heard horror stories of folks who have done like turnkey investing, right? Where the property manager, someone owns it, they buy it, they fix it up, and then they rent it back to...   an investor. And I've heard horror stories where that property was not being well managed. And that's the fear. If you're not in that marketing, you can't come and see it. So if you got an out of town investor, you really are trusting that property manager. So that is the most important thing, right? Everything else are tactical, daily situational things that can change. But it comes down to do I have the right people, people that I can trust, people who are going to make the right decision based on the information they have.   because they may not know what I know or maybe something shifted and changed where they would have made a different decision. We can't, you know, ache on that. It really comes down to are they doing their best? Are they making good decisions? If they're not making good decisions, is it because they didn't have the correct information, which again, could fall back on you as the investor to say, hey, are they aware of what your goals are? Are they aware of maybe this situation, these tools, these resources, whatever it is? And that's on you to sit and collaborate.   But trust is absolutely paramount because at end of the day, the thing that I think most of us are concerned with is who we partner with. And there's a great book I'm reading right now. And it gets into decision making and the fear of decision making for most of us and why deals stall. Why didn't you hire somebody? Why didn't you, you know, go with the vendor or go with the contractor or with the company? And the biggest thing is we are scared of making the wrong choice. All of us in decision and no action.   Jason Hull (17:43) Absolutely.   John Casmon (18:04) is better than the wrong action for many people because they once they take action. Well, now they're blaming themselves because you didn't pick the right person. Why did you hire that guy? You should have like now this starts to go on in their head versus doing nothing. Well, at least it's you know, it's not going to get worse, you know, it will in lot of cases get worse. So for a lot of people, that is the scariest thing. So if you can take that fear off the table as far as being the right person or being someone who is trustworthy.   Jason Hull (18:07) Right, yeah.   John Casmon (18:32) everything else gets easier. So if you can do that, that's, you know, the best thing you can do as an investor or as a property manager.   Jason Hull (18:38) Yeah, I agree. think one of things that I talk about a lot is that clarity has to come before action because if you don't have clarity and you start taking a bunch of action, doing stuff, every action you take is a little bit wrong. Sometimes it's a lot wrong. so, yeah, we need to get that clarity first before we start ⁓ making moves. And you talked about, I love the example of your property manager that is trying to   optimize maybe for the wrong thing. They're like, want to optimize to the, making sure their vacancy is super low. But that might not be the goal. That's not the primary goal. The goal is money, you know, and there's a really good book is by Elihu Goldratt. It's a good book for operations people, but it's called The Goal. And spoiler alert, the guy's trying to figure out the goal through this whole book, the story and it's money. That's the secret. The goal is the of the business, should be making making money.   And what happens in this book is that people are over optimizing individual pieces in this flow at this warehouse. And it's actually not helping to make money. It's causing more constraint. And so if we over optimize at one stage, it actually creates waste, bloat, inventory, additional work for the next stage. And so sometimes the best thing certain departments can do is slow down and do less in order to get the outcome to be maximized outcome.   And there's some really great examples in that that I think are really powerful. But I think the if you're optimizing for the wrong thing, then you're not making it effective. So you want to make sure you're optimizing for the right thing. Otherwise. ensues. You get mad at somebody, but nobody understood what the goal was. And so I think, yeah, getting a greed upon set of criteria of what what the outcome is and asking the property manager, can you help me achieve this?   And they know, they know if they know what the problem is, usually they can, they know how to help you get whatever goal that you have. And they know whether your goal is probably realistic or not, because they've helped probably a lot of people do this similarly. And so, but yeah, I think it's very important. Make sure you know, where's Hawaii and maybe property management is the vehicle. Now you had mentioned like, I'm really curious about this idea of, you know, maybe creating syndications.   Some property managers are now starting to think, maybe I should create a syndication. What's your criteria for, what's a good syndication and what are some of the, I'd be really curious to get into if some of the property managers listening were wanting to do kind of a little bit of what you do, how they might be able to get started in that. Like what are the beginning steps to make sure they don't make the mistakes you probably already figured out in the beginning?   John Casmon (21:27) Well, I think the first thing is, you really want to get into it? Right. Because for a lot of people, you got to understand it's a different business. Now you're not talking about real estate investing. You're not talking about property management. You're really talking more about, you know, investment management. You're talking about bringing on private investors who are looking for a return. That is communication skills. That's building up a network and a database of   Jason Hull (21:35) Mm-hmm.   Right, returns.   John Casmon (21:54) prospective investors, it's understanding the return projections that they're looking for. And it's really kind of managing the investor expectations, not necessarily the investment. And to give you a great example here, I had a deal where the investment went great, but it was slightly lower than what we initially projected. And I had an investor who was upset.   Jason Hull (22:07) Yeah.   Yeah.   John Casmon (22:23) about that. And we had communicated all throughout the entire process where things sat and he wasn't too upset, but he still made it a point to let me know, hey, well, this is less than what you initially thought. And that's challenging because the market shifts, right? Anybody who's bought properties in 2022 and beyond knows the market has shifted drastically over the last three or four years. So those projections made in a 2021-22 environment   Have a hard time standing up in a 25 26 environment We still make good money on that deals double-digit returns for investors ⁓ But you know there was that that was that feedback I got from one of the investors conversely We just exited deal a couple months ago, and we completely exceeded our return projections You know we delivered on a almost a 2.7 equity multiple Hit all you know mid 20s on the IRR completely unheard of stuff in this environment   And I have one investor call me and say, hey, John, I just checked my account. Is this right? And I'm like, yeah, it's it's right, man. He's like, my gosh, you guys killed it, man. my. Like, this is amazing. And it's great to hear. But again, that is separate from the investment. Right. Happy to manage the investor expectations and concerns. But that was an up and down investment where we had, you know, a moment where we actually had to put some of our general partner capital into the deal to keep it going.   Jason Hull (23:27) Yeah.   Yeah.   John Casmon (23:48) We have floating rate debt. had to refinance out of that. And we had to kind of rush to do that before rates started to go crazy. We had moments where our construction or renovation costs were much higher than we anticipated. So there are a lot of things that we had to navigate. And I think what happens for a lot of operators, a lot of people who get into syndication, they know the real estate and want to do the real estate, but they do not understand the perspective of the investor. And when you don't communicate to investors on a frequent basis and a clear, transparent nature,   Jason Hull (24:19) Yeah. Yeah.   John Casmon (24:19) They fill in the blanks and   the first concern every investor has and they won't say it. Most of time they don't say it, but I promise you they're thinking it after they make that investment. my gosh, did I make a mistake? Am I going to lose money? Is this person going to run off? Is this going to be some sort of fraudulent thing? Is this deal going to fail? These are all that we're wired like that. This is caveman stuff, right? We're wired to protect ourselves.   Jason Hull (24:36) Hmm.   Right.   John Casmon (24:45) And when you make an investment, and by the way, our investments are typically $50,000 and up, right? So these are not small investments. So when you make that investment, people start to second guess that decision. So my job when it comes to this side of the business is to keep them grounded that, hey, you've done your research, you've made an informed decision, you've picked a good partner, we've done this before. ⁓   Jason Hull (24:50) Yeah. Right.   John Casmon (25:13) And it's really to make sure that they feel comfortable with that decision. It has nothing to do with the investment, right? The investment itself, we got to go out there and execute. But that investor psyche is a completely different game. So first thing I would tell any of your property managers when they get into this business is understand, do you actually like people? Do you want to manage investors? Are you comfortable managing people's money? ⁓ And then beyond that, you have to do it the legal way. There are a lot of regulations around accepting capital from other people.   Jason Hull (25:31) you   John Casmon (25:42) So you can do it as a joint venture. The more common way of doing it, the more accepted way of doing this is by doing a formal syndication, which requires you to file SEC documentations. ⁓ know, there's regulation D and regulation A and there's some couple others, but typically it's going to be reg D 506 B or 506 C filing, which basically is the the structure that allows you to offer ⁓ passive investment opportunity or a security to investors. So again, for some people,   It's overwhelming. they're like, nope, never mind. But for some people, they love it. They want to get into it and they can learn more about that process.   Jason Hull (26:19) Got it. Yeah. I think I love your idea that it's more about managing expectations rather than the investments. And I think, I think that's good advice for all the property managers listing. This is something we spend a lot of time coaching clients on because they think their job is to manage properties. But really, if they're not strong in managing expectations and managing the relationship, it's 10 times to 100 times harder to manage the properties.   their operational costs go through the roof because owners are getting anxious. They're asking more questions. They're getting all these interruptions and calls, tenants, owners constantly. And if they had just managed the relationship and expectations and set strong boundaries at the outset, everybody would feel calmer. And I think really for business owners, I think the thing that really stood out to me that I've been focused on, and this is I've done some personal coaching and this is just nervous system regulation.   If you can, and John, seem like you're pretty chill and pretty calm and I'm sure the investor feel safe with you, which is why you've had success. If you are a person that is anxious and you're running around like a chicken with your head cut off, you're going to have, you're going to struggle in leading anybody, especially in relationships to your spouse and like everybody else. so having a calm, regulated nervous system allows your investors.   to entrain to your nervous system and to feel safer and to calm down. And that's not something you can pretend or you can just fake. You have to be that and they can sense and they can feel that it'll come across in your tone and in your body language and how you communicate. But if you can make sure that you're in that space and that you're able to regulate your own system, you're able to stay calm when other people are coming at you.   and other people are angry and other people are emotionally heightened. And you recognize this isn't really you. It's just that's them. And you can maintain that calm. You will be able to create a lot more safety. And that's really what people want to buy. Most people out there, their primary basic need is safety and security. Most people. That's why they aren't entrepreneurs. That's why they don't go start jobs. That's why they aren't like you and me. And if you're a property management business owner listening to this,   Most people are not like you. They want safety and security. That's why they get a property manager. They want peace of mind. And so, and I'm sure investors in a syndication, they also want some peace of mind because this is a big chunk of change.   John Casmon (28:55) They do. And I will say to most of the property managers I come across thrive in chaos. Right. They're used to stuff getting thrown at them. Right. And when you talk to them and get to know them, you learn very quickly. They like it. They do. They like the fact that they don't know what the day is going to bring. It could be a. Yeah, yeah. Could be a tenant coming with some crazy issue. It could be something from it's never boring and they thrive in it. However.   Jason Hull (29:00) Yeah.   Yeah.   They like the variety and unique challenges that property management brings, for sure.   It's never boring.   John Casmon (29:25) What happens then if you if they're going to look to work with investors and particularly raise capital and kind of do their own syndications, they have to understand that while they may thrive in chaos and uncertainty, most other people want organization. You want everything you said right. You want to have the calmness. You are looking for a captain to steer the ship. And for that part of the personality, they're going to have to tap into a different side of it to demonstrate how they handle chaos.   Jason Hull (29:37) Hmm.   Yeah.   Yeah.   John Casmon (29:54) not that they are chaotic. And I think what happens a lot of times when you're working with property managers is that they don't project that level of control. It just feels like they're reacting. So part of it is that, and they're really, really good ones. The ones who make it to that next level who are the regional managers and get those promotions, well, that's what they do. They manage the chaos and they manage up. They do a great job of telling the owners,   Jason Hull (30:06) Yeah.   Mm.   John Casmon (30:23) the leadership, whoever they need to talk to, they're telling them, hey, here's how here's our process. Here's how we're managing the situation. Here's what's going on. Here's what we're into. Hey, we had a water main burst here. Here's we bought. call three companies. We've got three quotes, but it's calm, right? It can be the worst. I'll give you a real example, right? At a fire, one of my properties and I was going to meet a property manager and I just happened to have a meeting with her that day at the property. She called me.   I was literally about to get in the car. She called me and said, Hey, I just want to let you know we've got a fire going on at the property. I'm not sure if you still want to meet. You're happy to come. We already have, you know, the fire department's here. They're they're putting the fire out right now. We already have another company that's coming in. They're going to walk through the damages once this is kind of settled. And I've already talked to the residents. Residents are good. We've got them hotels for the evening. We've checked with insurance. This is covered in your policy. So they're good to go. So you're happy to come down and talk and all of that if you want to.   Or we can let things settle down and maybe we can meet next week. This is a fire, right? This is like a scary situation. She called me.   Jason Hull (31:26) Right. A literal fire. Yeah. And there's plenty of fires   in managing properties. The literal ones.   John Casmon (31:33) Her calmness, she was so calm. Not only was   she calm, she had handled 90 % of it, right? It was the stuff you could handle in the moment. She handled it. So was like, hey, I don't think it makes sense for me to because I'm probably just going to add more anxiety to the situation at this point, right? It seems like you've got it under control. Why don't we let things settle, literally let the dust settle? And then once it's there, I'll come down. We can assess the damages, figure out what else needs to happen, what other next steps need to take place, right?   Jason Hull (31:41) Yeah? huh.   question. Yeah.   John Casmon (32:03) but had it handled like a rock star. Now, a lot of other folks would have saw the flames, called immediately, my God, there's a fire. ⁓ my God, what are we gonna do? So now you freaking out, everyone's freaking out, no one's controlling the situation, right? So now everyone's mind is just spinning and going. it does really take, kind of go back to where we started the conversation, that mindset of someone who was the boss, who was leading.   Jason Hull (32:05) Yeah, I love that.   Yeah. Freaking out. Yeah.   Hmm. Yeah.   John Casmon (32:32) who is going to take charge, even though it's not their property, they're going to take charge. Here's what needs to happen next. Maybe you have an emergency response plan already put in place, but you have these things already scheduled and ready to go. So when they happen, you're not shocked. You're not surprised. You're not asking questions that maybe you should have figured out upfront. And that's what a great property manager does. And if you convey that to owners, you're going to stand out above and beyond your competition because most people cannot convey that level of control, the level of   planning and the level of expertise that it takes to truly and effectively manage properties from the front, being proactive as opposed to just reacting to whatever the issue of the day is.   Jason Hull (33:13) Got it, okay. So ⁓ I'm reading, I just read, well, I didn't just read. I read in the past a really great book called Extreme Ownership. Really good book. Yeah, phenomenal book. ⁓ I'm going through their newer book, which I think is even better, called The Dichotomy of Leadership. leadership is what we're talking about right now, is that that,   John Casmon (33:23) Yeah, I think I got it like right here. It is right there.   Absolutely.   Jason Hull (33:38) creates a huge impact and there's a lot of misunderstandings of what leadership is, like it's control or it's being aggressive or, but yeah, it's really that calm presence of letting people know I've got it. Like we can take care of this. We've got a plan and staying regulated and calm. So I love that. ⁓ have a, so another question I have is how can the property managers listen to this? How could they maybe target or partner   with, if possible, syndications like you, like people that are doing what you're doing. Is there a chance that they could be a resource or do most syndications just in-house and do, they are a property management business?   John Casmon (34:19) No, no, most ⁓ most that I know work with third party manager companies. So I would say first and foremost, if you and syndications, I mean, it sounds like a big, huge, fancy word. But I mean, honestly, anytime you work with passive investors is technically a syndication. So it really comes down to figuring out who is looking for third party management and whether or not it's technically a syndication or not is really irrelevant. You want someone who is going to be managing or owning the property.   Jason Hull (34:24) Okay.   Yeah.   John Casmon (34:49) They want third party, but you have to understand their plan, going back to understanding the goals, right? Most syndications are looking to sell in a three to seven year timeframe, typically five to seven years. Most buy and hold owners have not decided or have not identified their exit strategy. So that's probably the biggest difference is when you have, let's just call it an individual investor or maybe it's a   Jason Hull (35:01) Okay.   Right.   John Casmon (35:17) a family or whatever that's buying and they want a third party manager, they don't know the exit. They haven't predetermined that they're going to sell in five years. So they are buying and holding it. And that goes back to the the I think the separation of understanding the objective, because for that person, having a full property is great. It means they're maximizing the revenue potential today. When you are syndicating.   most syndicators already assume 5 % vacancy. That's that's in everyone's underwriting. So you being at 100, they won't even give you credit banks don't even give you credit for it. So all of these things are already assumed. So for us to be above that is actually a miss, because it means we're not being as aggressive on the rent. So just understanding the mindset of a syndicator, which is they are looking to sell typically they're looking to double their money over a five or six year period. So how can you create value?   And that's something most property managers don't fully understand. But I would sit and I would talk to that syndicator. And if you want to be a syndicator or partners, not just be a third party vendor, but you actually want a partner, which we have seen a lot of folks look to do. You want to figure out how you can bring value to the table, because now we are aligning your interest with that syndicators interest. And now you've got a great partnership.   because every syndicator is going to need property management and they're going to need construction management to drive value. So if they can bring those people in as partners, that's a great opportunity for you. And if you're a property manager, you may have phenomenal relationships. You may already have contractor or the vendor partners that you trust in that marketplace. And if you could then take that and get a slice of the equity, that makes you very valuable for both sides.   Jason Hull (37:08) Do syndications, do they also need investors in capital or do most of them have that, are they really good at that? Okay.   John Casmon (37:15) Absolutely. Yeah. Yeah. Yeah.   mean, I mean, syndication at its core really just comes down to the need of capital. If someone had the capital themselves, they would probably just buy it directly and not go through the process of syndication. Because the syndication is literally just raising the money from passive investors. And in that scenario, again, being able to manage that, manage the communication, ⁓ that's really what a syndication truly is.   Jason Hull (37:42) So a really good property management partner could bring property management, some of the construction elements and investors and capital to the table. So it could be a nice little.   John Casmon (37:51) That would be amazing.   I'll be honest, man. That's because I don't want your listeners sitting here like, oh, I don't have one of those. I don't know if I've ever met one that had all of those. If you do have all of them, yes, you should consider syndicating yourself because you got all the pieces to the puzzle. Typically, what happens is a property manager has the property managers. I'll give you a great example. I got a 54 unit down in North Carolina. OK, so I came in as a key principal. I've got a.   Jason Hull (38:03) Okay.   Okay.   John Casmon (38:20) to my coaching clients. It's his property that he found. He asked me to come help him with the loan, which I did. One of the members, one of the partners is the property manager. So that's kind of their role to the table is they're managing the property. That's what they kind of came on. They had a couple of relationships, but their main role is the asset and property management side of it. So that's a great way to come to the table. But. Just like anything else in business.   Jason Hull (38:33) Mm-hmm.   John Casmon (38:49) It's very hard to find someone who checks every single box. I mean, that's like finding the marketer who's a CMO, who's also the CFO, who's also the COO, who's also the chief of human resource. very like no one, people don't really have like top notch excellent skills at every single one of those, right? Like you might be great at business, great at sales, great at marketing. You're probably terrible at finance, right? Like you just, you just forget to do your expense report type person, right? So it's hard to find someone who's   checks all those boxes. And I think typically when comes to property management, you want someone who's great with people, can resolve issues, but also has to be somewhat, you know, sufficient when it comes to the numbers, tracking all the data, tracking all the, you know, the rent roll, the leases, the income and expense statements, things like that. So usually they're not going to do every single box. But again, if you can find someone or that's where partnerships make sense.   Jason Hull (39:24) Mm-hmm.   John Casmon (39:43) If you've got that awesome. And again, I'm not saying a company doesn't have that. I'm just saying a single individual doesn't, which is why it's great to partner. If you can find someone who maybe brings a set of skills that you don't have, whether they're joining you in your property management business or they're partnering up where you're bringing your property management skills to the table with their investing or their networking skills, that makes for a good partnership.   Jason Hull (39:43) Mm-hmm.   Yeah, I got it. Well, we've got several clients, you know, all over the U S that are really good at property management. They're really good at handling the maintenance stuff and they obviously have a pool of investors as clients and, and, know, and they know that they can't do everything. So we coach them in making sure that they would do time studies. They figure out which, what their purpose is. We start to align them towards more fulfillment, more freedom, more contribution and more support in their business.   John Casmon (40:32) Yeah.   Jason Hull (40:38) And they start to build the right team. So they're getting operators, they're getting BDMs, they're getting the things they're not like strong in. And so we just make healthier businesses. So for those of maybe my clients listening that have healthy property management companies. And, but they don't want to do syndication. They're just like, man, that's a whole nother business. If I stay in my lane, I can grow that faster. How do they find syndicates? Like, how do they find people like you? Cause you've got a lot of properties connected to you.   and they would probably love to chat with somebody like you. Where do you syndicate people hang out? What's the title? Who runs a syndicate? What are they called? Do they have a specific title?   John Casmon (41:15) You   Yeah.   Yeah, great. Great question. Multifamily syndicator is is kind of the name just syndicator. We're all over. So I've got a podcast called Multifamily Insights. I interview like minded individuals. I've been doing that for a long time. We've done our seven hundred and seventy plus episode. So lots of people, lots of syndicators there. Definitely conferences. So if you look up any multifamily conference in your city.   Jason Hull (41:25) Okay.   Nice.   Okay.   John Casmon (41:46) meetups, lot of meetups in different cities as well. Those are great places to find syndicators. I think the biggest thing though is this.   Figure out who your avatar is. Because while we're talking about syndicators, ultimately, if you want to scale your property management business, I presume you're trying to scale with folks who are looking for third party management and the best option for that. OK, and let me back up. had one of the guests out of a podcast some years back, ⁓ Ashley Wilson. Love Ashley. As you said, something really changed when I thought about the business.   And she said the best way to find any vendor, any vendor is to figure out who relies on that vendor next and ask them for referral. So if you think about it, if you want a great drywall person, ask a painter. A painter is going to know who's great at drywall because they're going to know who makes their job easy and they can come in and just start painting versus a drywall guy who maybe doesn't, you know, you know.   Jason Hull (42:38) I like it.   John Casmon (42:55) mud the drywall properly or doesn't sand it down. So they got to do all this extra work before they start their process. Right. So a painter is going to know a great drywall guy. And in this case, it's really hard on ⁓ the property manager because you guys are the ones who do the work. But if you are looking for syndicators, OK, well syndicators, person who buys the deal. Well, who sells the deal? A broker. Find brokers. Go to a broker, commercial multifamily broker and ask them, hey,   Jason Hull (43:01) I love this.   Yeah.   John Casmon (43:25) Do you know some groups or you have properties that you're going to list? Here are the kind of deals we want to do now on the flip side of that. You got to be good at your job, right? You got to sell yourself and share what you do. So if you've got a great track record, a great resume, showcase that, bring that broker through and let them know, hey, we're looking to scale our property management business here. Here are the kind of assets that we want to manage. If you come across any of these that you're going to list, would you mind keeping our main name out there or referring us or giving us introductions to any of those buyers?   Jason Hull (43:53) Yeah.   John Casmon (43:54) so that we can throw our hat in the running to manage these properties. That's a phenomenal way to do that. And it allows you to shine and expand your relationships in your core networks and in your core markets.   Jason Hull (44:06) Brilliant. think I love the, I love Ashley's idea that you shared, you know, the drywall. Yeah. The painters, like they don't want to be painting over a crappy drywall. They're like, this is a mess. Like this doesn't even look good in my job. Now I'm going to look bad. Yeah. So the brokers know who maybe those best syndicators are. And so they could just go to the brokers and say, Hey, who's, who's doing deals like this? Who who's got things going on? Like who could you connect me with?   And I avoid maybe.   John Casmon (44:36) And on top of that, keep in mind, too, like what   are the times when? Yeah, but think about to like when is a property hiring or bringing on a new property manager? Right. So it's either a current owners firing the existing property manager or the property is being sold. Right. So, I mean, if you can get in during that transition phase, that's going to help you tremendously. And if even if they're firing their existing property manager, you can think through, OK, how do I?   Jason Hull (44:51) Yeah. Yeah.   John Casmon (45:06) work myself and get my name out there. And a lot of times, again, you're going to ask, right? You're going to ask other investors. If I were going through that process, I'm going to call my buddies into space, right? And say, hey, man, having a hard time, my current PM is not working out or we're not hitting our objectives, looking at some other options. Do you have any experience with these guys? What do you know about these guys? Or do you have anybody you could recommend? It's word of mouth, right? So that's what's going to start happening as well. So you kind of have to get out there and network and let folks know who you are, what you do. But you want to be someone who   people can say, yeah, these guys are amazing. You know, they, they only had an eight unit, but they crushed my eight unit for me. I'm sure they kill your 25 unit or your 50 unit. And you've got to start building that rapport and building your reputation in your market.   Jason Hull (45:44) Yeah.   Nice. This is good advice, my friend. So, cool. For those that maybe are investors listening to this show, ⁓ I'd love to hear a little bit about what you do, how you do run your syndication, and how they can ⁓ make things more passive, if that's what they're looking   John Casmon (46:08) Yeah, man. So there are lots of different ways to get in. If you are looking to be more passive, ⁓ high level, here's how it works. OK, so first and foremost, me and my team would go out. We look for the deals. We focus on a really tight radius. So we're in Cincinnati. We like Cincinnati, Columbus, Louisville, Kentucky. Really a two hour radius of the Cincinnati market is where we focus. And right now we actually think there's more opportunities locally. So we're really honed in on Cincinnati right now. But we focus on that once we find a deal.   We reach out to folks in our network. So we have folks in our investor list. ⁓ Once they're on our list, we kind of have a quick vetting process and then we can share opportunities with them. Once they see that opportunity, they get a chance to review it. We like to have a webinar where we answer any questions about the deal. I think for new investors, it's a great way to learn because we have a lot of experienced investors who ask very intelligent, thoughtful questions that   Many first time investors probably would not even think of. And that's a great way to learn, right? And ultimately when it comes to this space, it's really about education. know, it's educating yourself, understanding how you think about risk, how you mitigate risk in your investment choices. And those webinars are a great chance for you to learn about that the first time. Once you've done that, you can go ahead and fill out our official paperwork with our SEC documents.   Jason Hull (47:30) Mm-hmm.   John Casmon (47:30) And then   once you're through there, you can make the investment. But the first thing is just to get on our list, you can have access to the deals. And before you do that, we've actually put together a guide that can help people because I found that when I have these calls, people don't ask great questions. Sometimes they do. But I want to make sure that you are informed and well educated because this is a big investment. You know, this is not a 599 thing. And if it doesn't work out, OK, well, I just wasted six bucks. No.   Jason Hull (47:54) .   John Casmon (47:59) We're asking you to make a pretty large investment, whether it's with us or with others. If that's what you're looking to do, I want to make sure you're well informed. So we put together a guide. It's seven questions you must ask before investing in apartments. You can get that on our website. It's casmancapital.com slash seven questions, but it gets into questions around the market itself, the operating team, what you should be looking for, the deal. What is the story of this property? What's the business plan? And it helps you identify different levels of risk because the reality is   Anything can work, but you want to mitigate risk as much as possible, particularly when you're a passive investor, because you are basically saying, I'm trusting these people to find the right deal and execute. And you want to make sure that you are finding and identifying the right individuals who have a proven track record doing the thing that they are asking to do. When I hear about people losing money in real estate. At least 50, if not 70 % of the time.   Jason Hull (48:35) Hmm.   John Casmon (48:57) It is someone doing something for the first time. It is the first time in the market, first time doing this kind of deal, first time doing this kind of business plan. And. I can't tell you how frustrating it is because it's a big red flag, and it's not to say they can't do it and can't have success. But if it's your first time, I want to see how you're mitigating that right. You want to partner with someone who does have the experience you want. Like there are lot of things that you can do to put the odds in your favor. And when you're a passive investor.   Jason Hull (48:59) Mm, yeah.   John Casmon (49:26) It is not your job to hope. Your job is to analyze the information in front of you and make an informed decision. So this guide can help you do that.   Jason Hull (49:34) Yeah, love it. I'm going to run a quick word from our sponsor real quick. Our sponsor for this episode is Vendero. And many of you tell me that property management maintenance is probably the least enjoyable part of being a property manager and definitely the most time consuming. But what if you could cut that workload by up to 85 percent? That's exactly what Vendero has achieved. So they leverage cutting edge AI technology to handle nearly all your maintenance tasks from initiating work orders.   Troubleshooting, coordinating with vendors and reporting. This AI doesn't just automate, it becomes your ideal employee. Learning your preferences, executing tasks flawlessly and never needing a day off and never quitting. This frees you up to focus on the critical tasks that really move the needle for your business, whether that's refining operations, expanding your portfolio or even just taking a well-deserved break. Don't let maintenance drag you down. Step up your property management game with Vendero. Visit vendero.ai slash door grow today and make this the last maintenance hire you'll ever need.   All right, so John, this is super helpful. love you've got your list. ⁓ You got your webinar, you've got your guide. I would recommend property managers listening to this. If they're curious about the world of syndication, that they start getting into your stuff and seeing how an expert like you is doing this and maybe even get involved in some of the deals with you or something might be a good idea. And they can kind of get a feel for how this works. And then maybe they'll say, I don't want to do what John does.   And I'll just find people that do, but they'll at least understand how they could partner with people like that. then, or they may decide, you know what? John's clever, but I'm clever too. I might be able to figure out how to do this too. And maybe they'll do it too. And, but I think there's a solid opportunity for property managers that want to be in the multifamily space and do multifamily management to find third party people that are doing these syndication deals. They need good property managers and property managers want more doors and they want to grow.   And if you don't, because your business sucks and it's uncomfortable, then reach out to me. I'll help you out. We'll get you dialed in. But ⁓ John, what else would you say to the investors that are maybe they're familiar with this and they've done some real estate investing and they've worked with some syndications ⁓ and they get on your list to do the webinar. What would you say to them next?   John Casmon (51:56) Yeah, I think the biggest thing is understand what you're looking for. You know, I think one of the biggest challenges for investors is when you can't pull the trigger, it's typically because you haven't figured out what you're solving for. Are you looking for passive income? So you're just looking for a cash flow? Are you looking for long term wealth appreciation? Are you looking for tax benefits and to reduce kind of your tax liability? Do just want to diversify? Maybe you got feel like you have too much in a stock market, just like we put something somewhere else. So.   Figure out what you're actually solving for. Understand your risk tolerance, you know, because every deal is different. In our case, we do value add B class deals. That's a fancy way of just saying we like properties that already making money that are solid, solid tenant based. Think of when I say B class, I'm thinking of all stuff that was built maybe 30 years ago, maybe 40, maybe 20 years ago. Stuff that.   your teachers, your firefighters, your police officers, places where they might rent. So desirable locations, not luxury, not super high end, not, you know, super courts, everything. ⁓ But, you know, places that you would want your kid, your kid was in college, places you would be fine with your kid living, right? So you're thinking about that stuff. That's, you know, I don't say affordable stuff. That's not crazy price. So that's kind of what we focus on.   Jason Hull (53:15) So would   that be like, is that how you find the best markets then?   John Casmon (53:21) That's part of it. That's our strategy. There are different strategies that people utilize. I have found for us that is a sweet spot where we can take those kind of assets, modernize them and create value for potential renters. Some people like to focus only on they call it core plus right where they're buying newer stuff, stuff built five years ago or three years ago. And maybe it was, you know, leased up and they're just going to go in and hold it longer. You'll find other ways to add more money through amenities.   Jason Hull (53:35) Okay.   John Casmon (53:50) So some people do that strategy. Some people like older properties where they're buying more distressed or much older properties and are trying to fully renovate them and bring them up. There are strategies out there, something like new construction, stuff that doesn't exist. They want to build from the ground up. So it really comes down to you. Every investing strategy has a different level of risk. This has nothing to with real estate, right? This is investing in general. you're buying, you know, know, value stocks versus growth stocks versus Internet, it's the same stuff, right?   So you just have to figure out your level of risk. We like value at B-class multifamily deals. Once you understand your level of risk and balance that with your return expectations or projections, that's when you can figure out which investments actually make sense. You know, I have some folks who they like to invest in what we call trophy assets. And...   They may not know that right away, but when you send them a couple of deals and they look at the property like, ⁓ it's okay. They want something. They want something they can brag about. They want to drive you by like, see that building over there? That's me. And if that's fine, if that's what you want, understand what comes with that, right? That's going to be a lower term, right? Because these are, there's not much value to create, right? You've got a brand new property. It's A class, rents are $2,500. There's not a whole lot you can do there. And because of that,   Jason Hull (54:49) Yeah, they don't want to show that off. Look what I'm connecting.   OK, right.   Thank   Yeah.   John Casmon (55:13) There's not as much risk. So you're going to get less return because there's less risk. That's fun. Some people want to maximize their return, right? Hey, I don't need this money. I want to let it ride for 20 years. So they might want to do new construction or they might want to do a deep discount, highly distressed vacant property that needs, you know, $50,000 per unit to renovate it and turn around because the upside is there. So it just depends on that investor and your level of risk. Right. And most of us fall somewhere in the middle.   Jason Hull (55:27) Thank   John Casmon (55:43) which is kind of our strategy. figure out your level of risk tolerance, what you're looking for. And sometimes you don't know until you start looking at a Because you might think you're a cashflow person until I show you what cash flows. And you're like, oh, no, I don't want to be in that de

In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the integration of private equity and alternative assets into 401k plans. They explore the performance of endowments, the nature of private equity and private debt, and the associated risks. The conversation emphasizes the importance of understanding these investment options, the role of 401k plans in holding illiquid assets, and the need for informed decision-making to avoid chasing returns without proper knowledge. Check out our website:  beerandmoney.net Find us on YouTube: https://www.youtube.com/@beerandmoney Subscribe to our newsletter: https://www.quantifiedfinancial.com/subscribe-now Check out our Instagram: https://www.instagram.com/ryanburklofinance?igsh=ZTJzN3Jnajd5M2Mw For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo   #privateequity #alternativeassets #401kplans #investmentstrategies #riskassessment #endowments #financialplanning #liquidity #retirementsavings #diversification   Takeaways Private equity and alternative assets are becoming more accessible in 401k plans. Endowments manage large portfolios with a focus on long-term returns. Private equity includes investments in privately held companies and debt. Investing in private equity carries significant risks, including illiquidity. 401k plans may provide a suitable structure for holding alternative assets. Investors should be cautious of chasing returns without understanding the risks. Individual financial situations must be assessed uniquely when considering investments. Understanding the underlying assets in alternative investments is crucial. Diversification can be beneficial, but it must be approached with caution. Consulting with a financial advisor is recommended when exploring alternative investments. Chapters 00:00 Introduction to Private Equity in 401k Plans 01:30 Understanding Endowments and Their Returns 04:23 Exploring Alternative Investments 05:31 Defining Private Equity and Private Debt 07:32 Assessing Risk in Private Equity Investments 10:34 The Role of 401k in Holding Alternative Assets 11:15 Concerns About Illiquidity and Misunderstanding Investments 14:33 Wrapping Up: Key Takeaways and Final Thoughts  

Today I'm joined by Law to discuss his journey starting from $5k in crypto during the 2022 crypto bear market. He ran up his bankroll doing RFV (risk free value) trades, buying tokens at a discount to the treasury and taking an activist approach to redeem it for profit. Despite his success, Law claims that he rarely takes month-over-month drawdowns and argues why his approach is superior to those who gamble on perps/memecoins.Law provides an interesting take on how there are many ways to profit in crypto, and what it takes to find edge in crypto. Guest's Twitter: https://x.com/0xlawlolLaw's Journey: https://x.com/0xlawlol/status/1852023510517899379Join the Humble Farmer Army: https://whop.com/humble-farmer-armyFree Newsletter: https://hfaresearch.substack.com/New Channel: https://www.youtube.com/@FarmerTaikiTaiki's Twitter: https://twitter.com/TaikiMaeda2HFA Research Twitter: https://twitter.com/HFAresearchPODCASTS:Crypto Market Wizards: https://www.youtube.com/playlist?list=PL6bwqqJO_txgGQySGK5-HSuTPp0LjeGqASteady Lads: https://www.youtube.com/@0xSteadyLadsTimestamps0:00 How Law Got Started In Crypto4:50 $300k to $2M on $AERO10:33 Other Onchain Plays15:26 Airdrop Farming Plays19:49 Dropping Out Of School24:29 Do you Have To Take On Risk To Make Money?27:18 Advice to Younger Self29:00 Law's Research Process31:58 Other Big Wins 32:59 Whitehat Hacks36:38 Assessing Risk in DeFi39:52 How Law Approaches Crypto44:16 Farmers Make Markets Efficient45:53 Don't Gamble & Other Rules47:39 RFV trades on DATs50:05 How Law Views Markets and Cycles54:15 Advice On Making It58:05 Polymarket Trades & Airdrop Farming1:03:11 Wrap UpMY VALUES:QUALITY OVER QUANTITYA lot of content creators are incentivized to pump out content for ad revenue. Taiki has never run YouTube ads on his channel because he believes in creating quality content, not monetizing your eyeballs via ads.On top of not running any YouTube ads, Taiki has never participated in a paid promotion, a channel sponsorship, or even a DEX/CEX ref-link.PREMIUM RESEARCHHFAResearch offers a Premium subscription. This is not meant to be a "copy trading" service or a “pump and dump” signal group. Taiki publishes two premium videos and an AMA livestream every week. Think of Taiki as your personal research analyst that keeps you on top of the markets so you can focus on what you do best. You also gain access to a private discord with the largest premium DeFi community. There, Taiki also gives frequent updates as well as real-time analysis on current events in crypto.

On this episode of NOON Will Berry, a flight paramedic with over 15 years of experience, shares stories from rural rescue to whitewater chaos, airport emergencies to gang violence—each shaped by grit, humility, and resilience. From drowning calls that changed his path to launching his own podcast and becoming a flight paramedic. Will brings sharp insight and hard-earned wisdom to the mic. You'll laugh, you'll learn, and you might hold your breath a few times.Podcast: ⁠https://open.spotify.com/show/1vAokfqG5aifoRBKk9MAUh?si=T8DipSBCQzWfOeiBW3h-Vw⁠FB Page: https://m.facebook.com/groups/nineoneonenonsense/?ref=shareInstagram: ⁠https://www.instagram.com/911nonsense/⁠X: ⁠https://twitter.com/911Nonsense⁠Bonfire Merch: https://www.bonfire.com/store/nine-one-one-nonsense/?utm_source=copy_link&utm_medium=store_page_share&utm_campaign=nine-one-one-nonsense&utm_content=defaultContent Warning: This episode contains discussions about death, including graphic and potentially triggering details. Listener discretion is advised. The episode also covers sensitive topics and may not be suitable for all audiences. If you or someone you know is struggling with suicidal thoughts or mental health issues, please seek help immediately. You can contact the Suicide & Crisis Lifeline by dialing 988 from anywhere in the U.S. #911Podcast #ParamedicLife #FirstResponderStories #EMSFamily #EmergencyCalls #SavingLives #BehindTheSiren #FirstResponderLife #911nonsense #ParamedicPodcast #PodcastLaunch #PodcastLife #PodcastCommunity #TrueStoryPodcast #NewPodcastAlert #PodcastAddict #PodcastEpisode #PodcastPromotion #PodcastHost #PodcastRecommendations #RealLifeHeroes #EmergencyServices #TrueStories #BehindTheScenes #LifeOnTheLine #AdrenalineRush #HumanStories #OnTheJob #EverydayHeroes #TrueLife

In this solo episode of the Everyday Business Problems podcast, Dave Crysler unpacks the importance of risk assessment exercises, and why they're often overlooked until it's too late. From lightning strikes and power outages to theft and server failures, Dave shares real-world stories that highlight just how vulnerable businesses can be without a disaster recovery and continuity plan. You'll learn a simple, repeatable process for identifying risks, prioritizing responses, and creating systems that help your business bounce back quickly when the unexpected hits. What You'll Discover: Why most businesses underestimate the likelihood and impact of disruptive events. A 3-part framework for conducting risk assessments: identify, assess impact, and evaluate likelihood. Examples of internal and external threats, from employee theft to natural disasters. How to evaluate operational, customer, and data vulnerabilities across your organization. Real-world stories of backup failures and business disruptions caused by missing recovery plans. Why testing and reviewing your disaster plan regularly is just as important as having one.

In this episode I take a look at some of the latest announcements from Microsoft Build as well as recent changes to the Microsoft 365 home page. As expected Build gave us lots of new and enhanced capabilities coming to services like Copilot Studio and provide a raft of enhanced ways to better use AI across tenant information. There are still plenty of security updates to be across so listen along for all the details. Brought to you by www.ciaopspatron.com Resources @directorcia Join my shared channel CIAOPS merch store Become a CIAOPS Patron CIAOPS Blog CIAOPS Brief CIAOPSLabs Support CIAOPS Build 2025 Book of news Microsoft Build Introducing Microsoft 365 Copilot Tuning Multi-agent orchestration, maker controls, and more: Microsoft Copilot Studio announcements at Microsoft Build 2025 The Microsoft 365 Copilot app: Built for the new way of working What's new in Microsoft 365 Copilot | May 2025 Automating Phishing Email Triage with Microsoft Security Copilot Defending against evolving identity attack techniques What's new in Microsoft Intune: May 2025 Monitoring & Assessing Risk with Microsoft Entra ID Protection Discover how automatic attack disruption protects critical assets while ensuring business continuity Access chats while sharing your screen in Teams meetings New Russia-affiliated actor Void Blizzard targets critical sectors for espionage

In this episode, Ben Irving delves into return on capital (ROC), risk and technology, why it can be difficult for boards to see what's under the hood, and how boards can attract younger directors. Plus, insights of entrepreneurship from a young age, and what it means to drive initiatives that benefit the wider community. Hosted on Acast. See acast.com/privacy for more information.

When it comes to enrichment, we often think we need fancy tools, expensive toys, or complicated activities—but what if the best enrichment was sitting in your recycling bin? In this episode of Enrichment for the Real World, Emily Strong (she/they) shares how you can use everyday household items—yes, even your trash—to bring joy, engagement, and behavioral diversity into your pet's life.You'll learn why pets might ignore new enrichment items at first (hint: it's not personal!), how to safely experiment with new objects, and why a little patience and creativity go a long way. Emily offers practical tips for encouraging interaction, assessing risk, and making adjustments as needed, all while sharing real-life examples of budget enrichment in action. Whether you're just getting started or looking to spice things up, this episode reminds us to be curious, flexible, and open to futzing around and finding out.TLDL (Too Long, Didn't Listen): 3 Key TakeawaysIt's all about the nuggets of wisdom. Here are the quick hits from this episode that will leave listeners feeling empowered and inspired.

Stalking is disturbingly common, yet often misunderstood by wider society. Professor Troy McEwan from the Swinburne University of Technology is a forensic psychologist specialising in understanding, assessing, and treating stalking behaviour. In this episode with former Crime Insiders Forensics host, Kathryn Fox, hear about the 5 different types of stalkers, and gain insights into their problematic behaviours. If you or someone you know is experiencing, or at risk of experiencing, domestic, family or sexual violence, call 1800RESPECT on 1800 737 732, text 0458 737 732 or visit 1800RESPECT.org.au for online chat and video call services.See omnystudio.com/listener for privacy information.

Hey note investors! In today's episode, we're tackling a question that comes up all the time: Performing vs. Non-Performing Notes - which one is right for you? Scott Carson dives deep into the pros and cons of each, sharing his insights and experiences to help you make an informed decision for your investment strategy. Key Topics Covered:What are Performing Notes? Understand the definition of a performing note and why seasoning is crucial.Pros of Performing Notes: Learn about the advantages of steady income and a more passive investment approach.Where to Find Performing Notes: Explore platforms and sellers of performing notes, and why big banks aren't your best bet.Non-Performing Notes: A Deeper Dive: Discover why non-performing notes offer bigger discounts but require more work.Working with Borrowers: Why it's crucial to work with borrowers in default to maximize returns and avoid foreclosure.Re-Performing Notes: The Best of Both Worlds? Find out what re-performing notes are and the returns you can expect.Assessing Risk in Re-Performing Notes: Due diligence checklist to know to help mitigate some common tax errors.Investment Goals: Aligning investments with personal life goals, whether it is to create passive income or make some additional revenue.Financing your Notes: Understanding financing and knowing if it is right for you to finance your notes versus using cash.Actionable Takeaways:Understand your risk appetite and desired level of involvement.Factor in your financing strategy and required returns for investors.Identify potential opportunities for non-performing assets to become re-performing.Whether you're drawn to the steady income of performing notes or the potential for higher returns with non-performing assets, this video will give you the insights you need to choose the right path for your note investing journey.Watch the original VIDEO HERE!Links & Resources:Book a call with Scott Carson: HTTP://talkwithscottcarson.comNote Weekend (Free Monthly Class): HTTP://noteweekend.comThree-Day Workshop: HTTP://notebuyingfordummies.comMore Info: weclosenotes.comSubscribe for more note investing tips and strategies!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes PinterestSign up for the next FREE Note Weekend Class HERE!

Simple, flexible scent games that help your dog thrive—and give you a well-earned breather.If you've ever needed your dog to do something enriching without needing your full attention, or wanted to build your relationship through fun, sniffy games, this episode is your new best friend.In this week's episode of Enrichment for the Real World, Allie Bender and Emily Strong unpack the magic of scent work—and how it supports your dog's physical, mental, and emotional well-being and makes your life easier too. We're talking about games like “find it,” scatter feeding, and what we call the “anywhere but here” protocol, with tips for tailoring them to your specific household setup (no matter how chaotic it may be).You'll hear why scent work is more than just a fun activity—it can be used to teach your dog independence, encourage relaxation, and even build trust in tricky situations. Whether you need something that works behind a baby gate, away from food-stealing pets, or hands-free while you hop on a Zoom call, there's something here for you.TLDL (Too Long, Didn't Listen): 3 Key TakeawaysScent work is ridiculously adaptable.Whether you need to keep dogs separated, avoid food on the floor, or work behind a barrier, there's a nose game for that.Teaching “set it and forget it” is a game-changer.It takes effort up-front, but the payoff? A dog who can self-entertain while still engaging in healthy enrichment. Gold.“Find it” is the duct tape of dog training.This go-to cue can give you a pause button, channel your dog's energy, and lay the foundation for more complex games.Links & Resources from the Episode

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This episode of the podcast features chapters 4 and 5 of Dancing the Tightrope. If you haven't listened to the first 3 chapters, I suggest listening to those first. It will help make sense of what's coming in these next few chapters. When I listened back to Chapter 3, where I read the sidebar blog “Where's My Choice Here?”, it was somewhat stunning to me that many of the threads that I pulled together for Dancing the Tightrope started well before the accident that lays the foundation for the book. I was already onto the themes of dealing with fear, adrenaline, pressure and uncertainty. In some ways, I had been bumping up against the glass ceiling of my beliefs; the pivotal fall from the horse offer me a way to shatter those beliefs if I chose to open myself up to seeing things in a new way. What's standing out for me in this process of creating an audio version of the book are the pivotal moments, where a seemingly innocuous choice created huge change. The small choice to go trail riding could have just as easily been the choice to give up horseback riding for good. The small choice to call Bruce could have just as easily been something I never got around to doing.  The choice to go back for a second visit to Bruce was both a mystery and a big damn deal. In the world of the way I had done things up to this point, that second visit would not have happened. Yet it did -  in this new world I was discovering. Chapter 4 talks about our second visit to Camden to understand what this somewhat strange approach to life, horses and learning to live in nature's world was all about. Chapter 5 shows you where I began to use what I was learning – somewhat naively at the time. In fact, reading it back now sometimes feels like I'm reading someone else's story. In Chapter 5, I'm still deciding if I should ever get back on a horse – something that's difficult to grasp, given that I'm riding all the time these days. Think about a decision you've made that now seems so obvious – or a decision you are grappling with that may someday become obvious. Maybe these chapters will help you sort through the risks and rewards with an improving mindset.

In this episode of "Your Retirement Highway," Kyle R. Jones takes the helm solo, as his business partner Matthew P. Allgaier enjoys some time off with his family. The episode begins with an update on some severe weather that recently affected Kyle's area in Western Clinton County, Illinois. Despite the property damage and power outages caused by the strong winds, Kyle is thankful that no fatalities were reported. He empathizes with the storm's impact on his community and reflects on the powerful forces of nature.Moving into the core of the show, Kyle shifts focus to investment strategies amid current market conditions. He advises listeners to review their risk tolerance, especially in the wake of recent market volatility. He discusses the potential consequences of buying the dip strategies and the importance of being prepared for both bullish and bearish market movements. Emphasizing the unpredictability of economic conditions, Kyle encourages investors to maintain a well-balanced portfolio aligned with their risk tolerance and long-term goals.

We're asked all the time about enrichment that isn't related to food. Well, here we are, folks! Today's episode is all about the safety category of enrichment. We'll discuss how to perform a risk assessment for your pet's enrichment strategy. You can find the full episode show notes here.  

Cognitive Load Multipliers are quantitative factors used to assess and measure the impact of various stressors on human performance, particularly in high-risk industries such as pharmaceutical manufacturing, healthcare, and aviation. These multipliers help identify conditions that increase cognitive burden, such as task complexity, time pressure, fatigue, interruptions, and environmental distractions, which can significantly raise the likelihood of human error. By applying cognitive load multipliers, organizations can systematically evaluate and mitigate risks, optimize workflows, and enhance overall reliability. Understanding these multipliers allows for the development of targeted strategies, such as improving procedural clarity, minimizing multitasking, and designing error-resistant systems to ensure compliance and operational efficiency.To learn more, visit:https://humanerrorsolutions.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/ginette-collazo/

PODCAST SUPPORT:   Patreon: https://www.patreon.com/bryanair or become a YouTube Member YouTube: https://www.youtube.com/channel/UC5RqMLv9MwP-aHLKL1t1Uqg/join   In this episode, we delve into the recent cyber attack on the South African Weather Service that disrupted essential services including aviation and marine operations. The BAP crew discusses the contingency challenges and the aviation industry's reaction to this crisis. Additionally, there's a focus on personal resilience, South African aviation, and a shout-out to Drikus's big weekend fight. The episode also touches on managing financial risks using the aviation risk equation, insights on the burgeoning future of Riyadh Air, and an exciting tip on a new mobile service provider: Melon Mobile.   00:00 Welcome to the worlds premier aviation podcast 00:11 Cyber Attack on South African Weather Service 00:24 Impact on Aviation and Marine Operations 00:59 Community Reactions and Workarounds 01:29 Aviation Stories and Pilot Experiences 02:04 Discussion on South African Issues 05:36 Ransomware and Cybersecurity 07:21 Pilot Incapacitation Incident 09:34 FlySafe Air Updates 15:43 Riyadh Air Expansion Plans 17:50 Aviation Motivation and Risk Management 22:58 Assessing Risk in Aviation 24:25 Applying Risk Management to Everyday Life 24:43 Financial Risk and Personal Crisis 27:59 Learning About Finances 29:08 The Journey of Financial Education 31:50 Understanding Financial Terminology 36:38 Listener Comments and Feedback 38:06 Upcoming Events and Final Thoughts   Connect

In this episode of Power Producers Podcast, David Carothers is joined by Ryan Smith, founder of RLS Consulting, to discuss the evolving world of cybersecurity and how insurance professionals can better navigate this complex space. Drawing on Ryan's extensive experience, they delve into actionable strategies for producers to engage clients on cyber risk, overcome objections, and build meaningful solutions that go beyond the policy. Key Points: The Intersection of Cybersecurity and Insurance Ryan highlights how cybersecurity and cyber liability are complementary solutions addressing the same problem: mitigating and transferring cyber risk. Understanding both perspectives helps producers connect the dots and provide more value to clients. Education Over Fear The conversation emphasizes the importance of educating clients about their cyber risks without resorting to fear-based selling. Producers are encouraged to focus on business impacts rather than technical vulnerabilities, fostering a consultative approach. Assessing Risk and Incident Preparedness Ryan shares insights on helping clients assess their cyber risks and prepare for incidents. He stresses the importance of asking key questions about incident response plans, compliance requirements, and the company's readiness for cyber threats. Shifting Client Mindsets The discussion tackles common objections, such as overconfidence in IT departments or the belief that “it won't happen to us.” Ryan suggests producers approach these scenarios with empathy and education, aligning solutions with clients' business priorities. Valuable Resources for Producers Ryan points to trusted industry reports, such as Verizon's Data Breach Investigations Report and IBM's Cost of a Data Breach Report, as tools to support client conversations and reinforce the importance of proactive cyber risk management. Connect with: David Carothers LinkedIn Ryan L. Smith LinkedIn Kyle Houck LinkedIn Visit Websites: Power Producer Base Camp RLS Consulting Killing Commercial Crushing Content Power Producers Podcast Policytee The Dirty 130 The Extra 2 Minutes

In this episode, my guest is Dr. Ethan Kross, Ph.D., professor of psychology at the University of Michigan, director of the Emotion & Self-Control Laboratory, and author of the bestselling book Chatter. We discuss the purpose of the inner voice in your head and its impact on emotional well-being and motivation. We also explore practical tools to manage negative internal chatter and eliminate intrusive thoughts. Topics include how music, exercise, mental distancing techniques, and expressive writing can help rescript your inner dialogue to be self-encouraging and effective in creating outward behavioral changes. Dr. Kross explains why venting to others is self-defeating and offers better alternatives. Throughout the episode, he provides research-supported, actionable protocols to help you shift your internal dialogue and accompanying emotional state, fostering greater happiness and resilience. Access the full show notes for this episode at hubermanlab.com. Pre-order Andrew's new book, Protocols: protocolsbook.com Thank you to our sponsors AG1: https://drinkag1.com/huberman ExpressVPN: https://expressvpn.com/huberman Eight Sleep: https://eightsleep.com/huberman Joovv: https://joovv.com/huberman Function: https://functionhealth.com/huberman Timestamps 00:00:00 Dr. Ethan Kross 00:02:45 Sponsors: ExpressVPN & Eight Sleep 00:05:38 Inner Voice & Benefits 00:10:33 Music & Emotions 00:15:09 Shifting Emotions, Emotional Congruency, Facial Expressions 00:20:25 Resistance to Shifting Emotion; Tool: Invisible Support, Affectionate Touch 00:27:16 Tool: Expressive Writing; Sensory Shifters 00:30:41 Sponsors: AG1 & Joovv 00:33:27 Inner Voice Benefits, Thinking vs. Writing, Tool: Journaling 00:44:01 Decision Making, Individualization; Tool: Exercise 00:50:24 “Chatter,” Trauma, Depression, Anxiety 00:54:37 Sponsor: Function 00:56:25 Tool: Combating Chatter, Mental Distancing; Distraction & Social Media 01:04:30 Tools: 2 AM Chatter Strategy, Mental Time Travel; Venting 01:13:41 Time, Chatter & Flow 01:18:01 Focusing on Present, Mental Time Travel 01:22:49 Texting, Social Media, Sharing Emotions 01:28:31 AI & Individualized Tools for Emotional Regulation 01:33:07 Imaginary Friend, Developing Inner Voice; Negative Emotions 01:40:20 Tool: Nature & Cognitive Restoration; Awe; Screens, Modifying Spaces 01:49:34 Cities vs. Nature, Organizing Space & Compensatory Control 01:56:00 Emotional Regulation & Shifters, Screens 02:01:19 Historical Approaches to Manage Emotions; Motivation & Mental Tools 02:10:12 Mechanical & Behavioral Interventions, Emotional Regulation 02:15:52 Tool: Stop Intrusive Voices; Anxiety 02:21:55 Assessing Risk & Consequence; Flow & Cognitive Engagement 02:31:02 “Cognitive Velocity”; Resetting 02:36:43 Transition States, Tool: Goal Pursuit & WOOP 02:43:59 Attention, Emotional Flexibility; Avoidance 02:54:15 Emotional Contagion 03:00:22 Validating Emotions, Wisdom; Shift Book 03:06:59 Zero-Cost Support, YouTube, Spotify & Apple Follow & Reviews, Sponsors, YouTube Feedback, Protocols Book, Social Media, Neural Network Newsletter Disclaimer & Disclosures

We’re not great at assessing risk, especially using ratios and percentages, but as Art Markman, Bob Duke, and Rebecca McInroy ask in this episode of Two Guys on Your Head, does it matter? The post Assessing Risk appeared first on KUT & KUTX Studios -- Podcasts.

This episode is about understanding risk Each week, Jeffrey will be sharing his knowledge on Service Delivery (Mondays) and Service Management (Thursdays). Jeffrey is the founder of Service Management Leadership, an IT consulting firm specializing in Service Management, Asset Management, CIO Advisory, and Business Continuity services.  The firm's website is www.servicemanagement.us.   Jeffrey has been in the industry for 30 years and brings a practical perspective to the discussions. He is an accomplished author with seven acclaimed books in the subject area and a popular YouTube channel with approximately 1,500 videos on various topics.  Also, please follow the Service Management Leadership LinkedIn page.

Dealerships having loaner vehicles connected with their service departments isn't new since they have been valuable to boost customer retention and satisfaction. But potential risk when offering these loaners has grown significantly in recent times. Steve Levine, an owner and chief legal and compliance officer of Ignite Consulting Partners, explained what's been happening in this episode of the Auto Remarketing Podcast.

Slappin' Glass sits down this week with the Co-Founder of the Mission Critical Team Institute, Dr. Preston Cline! In this highly entertaining conversation with one of the world's best leaders when it comes to working with teams in high pressure situations the trio dive into Dr. Cline's thoughts on managing uncertainty, assessing risk, and discuss humor as a leader and being "robust" during the always fun "Start, Sub, or Sit?!"To join coaches and championship winning staffs from the NBA to High School from over 60 different countries taking advantage of an SG Plus membership, visit HERE!

This content has been developed for healthcare professionals only. Patients who seek health information should consult with their physician or relevant patient advocacy groups.For the full presentation, downloadable Practice Aids, slides, and complete CME/MOC/NCPD/CPE/AAPA/IPCE information, and to apply for credit, please visit us at PeerView.com/BZV865. CME/MOC/NCPD/CPE/AAPA/IPCE credit will be available until August 29, 2025.Critically Focusing Decision-Making and Communication Strategies to Reduce Recurrence in High-Risk HR+, HER2- EBC: Modeling Best Practices for Assessing Risk, Selecting Patients for Adjuvant CDK4/6i Therapy, and Fostering Treatment Adherence/Persistence In support of improving patient care, this activity has been planned and implemented by PVI, PeerView Institute for Medical Education, and Living Beyond Breast Cancer. PVI, PeerView Institute for Medical Education, is jointly accredited by the Accreditation Council for Continuing Medical Education (ACCME), the Accreditation Council for Pharmacy Education (ACPE), and the American Nurses Credentialing Center (ANCC), to provide continuing education for the healthcare team.SupportThis activity is supported by an educational grant from Lilly.

This content has been developed for healthcare professionals only. Patients who seek health information should consult with their physician or relevant patient advocacy groups.For the full presentation, downloadable Practice Aids, slides, and complete CME/MOC/NCPD/CPE/AAPA/IPCE information, and to apply for credit, please visit us at PeerView.com/BZV865. CME/MOC/NCPD/CPE/AAPA/IPCE credit will be available until August 29, 2025.Critically Focusing Decision-Making and Communication Strategies to Reduce Recurrence in High-Risk HR+, HER2- EBC: Modeling Best Practices for Assessing Risk, Selecting Patients for Adjuvant CDK4/6i Therapy, and Fostering Treatment Adherence/Persistence In support of improving patient care, this activity has been planned and implemented by PVI, PeerView Institute for Medical Education, and Living Beyond Breast Cancer. PVI, PeerView Institute for Medical Education, is jointly accredited by the Accreditation Council for Continuing Medical Education (ACCME), the Accreditation Council for Pharmacy Education (ACPE), and the American Nurses Credentialing Center (ANCC), to provide continuing education for the healthcare team.SupportThis activity is supported by an educational grant from Lilly.

This content has been developed for healthcare professionals only. Patients who seek health information should consult with their physician or relevant patient advocacy groups.For the full presentation, downloadable Practice Aids, slides, and complete CME/MOC/NCPD/CPE/AAPA/IPCE information, and to apply for credit, please visit us at PeerView.com/BZV865. CME/MOC/NCPD/CPE/AAPA/IPCE credit will be available until August 29, 2025.Critically Focusing Decision-Making and Communication Strategies to Reduce Recurrence in High-Risk HR+, HER2- EBC: Modeling Best Practices for Assessing Risk, Selecting Patients for Adjuvant CDK4/6i Therapy, and Fostering Treatment Adherence/Persistence In support of improving patient care, this activity has been planned and implemented by PVI, PeerView Institute for Medical Education, and Living Beyond Breast Cancer. PVI, PeerView Institute for Medical Education, is jointly accredited by the Accreditation Council for Continuing Medical Education (ACCME), the Accreditation Council for Pharmacy Education (ACPE), and the American Nurses Credentialing Center (ANCC), to provide continuing education for the healthcare team.SupportThis activity is supported by an educational grant from Lilly.

This content has been developed for healthcare professionals only. Patients who seek health information should consult with their physician or relevant patient advocacy groups.For the full presentation, downloadable Practice Aids, slides, and complete CME/MOC/NCPD/CPE/AAPA/IPCE information, and to apply for credit, please visit us at PeerView.com/BZV865. CME/MOC/NCPD/CPE/AAPA/IPCE credit will be available until August 29, 2025.Critically Focusing Decision-Making and Communication Strategies to Reduce Recurrence in High-Risk HR+, HER2- EBC: Modeling Best Practices for Assessing Risk, Selecting Patients for Adjuvant CDK4/6i Therapy, and Fostering Treatment Adherence/Persistence In support of improving patient care, this activity has been planned and implemented by PVI, PeerView Institute for Medical Education, and Living Beyond Breast Cancer. PVI, PeerView Institute for Medical Education, is jointly accredited by the Accreditation Council for Continuing Medical Education (ACCME), the Accreditation Council for Pharmacy Education (ACPE), and the American Nurses Credentialing Center (ANCC), to provide continuing education for the healthcare team.SupportThis activity is supported by an educational grant from Lilly.

This content has been developed for healthcare professionals only. Patients who seek health information should consult with their physician or relevant patient advocacy groups.For the full presentation, downloadable Practice Aids, slides, and complete CME/MOC/NCPD/CPE/AAPA/IPCE information, and to apply for credit, please visit us at PeerView.com/BZV865. CME/MOC/NCPD/CPE/AAPA/IPCE credit will be available until August 29, 2025.Critically Focusing Decision-Making and Communication Strategies to Reduce Recurrence in High-Risk HR+, HER2- EBC: Modeling Best Practices for Assessing Risk, Selecting Patients for Adjuvant CDK4/6i Therapy, and Fostering Treatment Adherence/Persistence In support of improving patient care, this activity has been planned and implemented by PVI, PeerView Institute for Medical Education, and Living Beyond Breast Cancer. PVI, PeerView Institute for Medical Education, is jointly accredited by the Accreditation Council for Continuing Medical Education (ACCME), the Accreditation Council for Pharmacy Education (ACPE), and the American Nurses Credentialing Center (ANCC), to provide continuing education for the healthcare team.SupportThis activity is supported by an educational grant from Lilly.

This content has been developed for healthcare professionals only. Patients who seek health information should consult with their physician or relevant patient advocacy groups.For the full presentation, downloadable Practice Aids, slides, and complete CME/MOC/NCPD/CPE/AAPA/IPCE information, and to apply for credit, please visit us at PeerView.com/BZV865. CME/MOC/NCPD/CPE/AAPA/IPCE credit will be available until August 29, 2025.Critically Focusing Decision-Making and Communication Strategies to Reduce Recurrence in High-Risk HR+, HER2- EBC: Modeling Best Practices for Assessing Risk, Selecting Patients for Adjuvant CDK4/6i Therapy, and Fostering Treatment Adherence/Persistence In support of improving patient care, this activity has been planned and implemented by PVI, PeerView Institute for Medical Education, and Living Beyond Breast Cancer. PVI, PeerView Institute for Medical Education, is jointly accredited by the Accreditation Council for Continuing Medical Education (ACCME), the Accreditation Council for Pharmacy Education (ACPE), and the American Nurses Credentialing Center (ANCC), to provide continuing education for the healthcare team.SupportThis activity is supported by an educational grant from Lilly.

Does the construction industry need more attorneys, or do we simply need contractors to better understand the construction contract process? Josh Levy, CEO of Document Crunch and an attorney, believes it's all about understanding the process rather than hiring more lawyers. He offers deep insights into how they are helping project teams navigate the complex area of construction contracts.Many individuals are passionate about improving the construction industry through their expertise. In this episode, you will feel Josh's immense passion for making the industry safer and better through risk assessment and the negotiation process of construction contracts. Think it sounds dull? Trust me, this episode is anything but! Josh openly admits he's not a tech guy, even though Document Crunch is a leading AI company. For them, technology is secondary to solving contract compliance issues in the construction industry. We MUST reduce risk through proper assessment, understand proper negotiations, and educate project teams on contract obligations. How can the project team be supported? Let's dive into Dave and Steve's conversation with Josh Levy to find out how Crunching Contracts is the Intersection of AI and Assessing Risk. 

Forensic psychotherapy is psychotherapy with people who have committed criminal offences. In this episode I talk with clinical psychologist and psychoanalyst Dr Stephen Blumenthal who is registered with the British Psychoanalytic Council and has over thirty years experience in treating people. Stephen started his professional life as a clinical psychologist in a secure unit with offenders. Stephen has also written a couple of books on forensic psychotherapy, the latest of which is called Assessing Risk, a Relationship Approach.I was in conversation with Stephen in Series 7, talking about shame, which would make a good companion listen to this one.In this episode we talk about what forensic psychotherapy is, what it can tell us about the person committing the crimes, as well as society in general and why talking groups, such as the one Stephen presides over, can radically diminish re-offending. All crime has a meaning. This would make a particularly interesting listen to those who are fascinated by true crime podcasts.If you'd like to support us you can leave a one off donation here: https://supporter.acast.com/conversations-with-annalisa-barbieriIf you'd like to listen to this episode, past or future ones, ad free then consider becoming a patron on Patreon, from just £3 a month. You also get early access to episodes. For £5 a month you get them as soon as they are produced.Produced by Hester Cant. Art work by Lo Cole. Music by Toby Dunham.IG: @annalisabarbieriLinks to further work: linktr.ee/annalisabarbieriSupport this show http://supporter.acast.com/conversations-with-annalisa-barbieri. Hosted on Acast. See acast.com/privacy for more information.

Assessing Risk of Myelosuppression With PARP Inhibitors in Prostate Cancer: Karan Jatwani, MBBS by i3 Health

A listener sent in a question and a REAL LIFE dilemma she faced.She was presented an opportunity to take her studio out of her home… but it would require her taking a financial risk and investing in a commercial location.This is a different kind of episode… instead of Nate and I giving theoretical advice about expansion, scale, investment, and investing in a location…- - - - -Check out our free trainings and resources on school marketing, group lessons, and using AI in your music school:growyourmusicstudio.com/freeGet updates and FREE workshop invites from Nate and Daniel:growyourmusicstudio.com/7fmsIf the podcast has been helpful to you, leave a review here:growyourmusicstudio.com/7fmsReview*******SPONSOR - Piano Express from GroupLessons.comNow's the time of year to consider what programs you are going to be offering in your music studio this fall…And if you are looking for a program that will:Increase student retention…Increase the number of your beginners that become intermediate students…Help students go through their books faster (Proven! We did a study on this!)...Increase home practice time (Proven! We have years of data showing that this happens)And increase the profit in your studio (not just revenue)…… Then you need to head over to GroupLessons.com, sign up for a free demo, and we'll show you how hundreds of studios have easily started a new group program (sometimes in just a few weeks)... with little to no difficulty.You can even begin our owner training for free (download our shopping list, and look through our teacher guides and method).Click here for more information*******SPONSOR - Big Music GamesBig Music Games provides fun with a clear purpose. Ear training and music theory for students ages 4-14. Level up your student's ears & ignite their passion and motivation to practice with 15 levels of rhythm, melody, harmony and songwriting games. Join the tribe of teachers dedicated to improving the way the world educates the next generation of musicians. BigMusicGames.com/7FMS

Send us a Text Message.Are you constantly exhausted during the day no matter how much you sleep at night? If so, you may be one of the millions of people unknowingly suffering from sleep apnea. While it may seem like just bothersome snoring, this common disorder actually causes people to stop breathing repeatedly throughout the night, preventing them from getting quality sleep.   In this enlightening episode, sleep expert Dr. Dylan Petkis reveals shocking truths about the causes of sleep apnea, debunking the myth that it only affects overweight people. Going beyond just anatomy, he explains the role that breathing pattern disorders play and how inflammation can also be a key driver.   Dr. Petkis shares his integrative 6-step protocol to treat sleep apnea through resetting your natural breathing patterns. Listen in to understand what sleep apnea really is, determine if you are at risk even if not overweight, and gain actionable advice to start improving your sleep quality immediately.   Here's what you'll discover:  - Clear signs that you may have sleep apnea, even if not visibly overweight - The truth about what causes sleep apnea (it's not just obesity!)  - Natural solutions and exercises to begin improving your breathing issues tonight  - How you can treat sleep apnea without surgery or cumbersome CPAP machines  As Dr. Petkis reminds us, "With the breath work...you kind of have the tools you already need to get started and start really making improvements."   Your body has an incredible capacity to heal itself - it just needs a little support. Tune in now to equip yourself with the knowledge and techniques to finally get a restful night's sleep.Guest Links: https://petkusmd.com/homehttps://optimalcircadianhealth.com/https://www.facebook.com/OptimalCircadianHealth/https://www.instagram.com/petkusmdhttps://www.linkedin.com/in/dylan-petkus-86645978/https://www.tiktok.com/@optimal.circadian.healthChapter Markers00:00:26 The Power of Natural Solutions for Sleep Apnea00:03:32 Introducing Dr. Dylan Petkus00:23:45 Importance of Asking Understandable Questions00:24:41 Skepticism in Information Acceptance00:25:35 Challenges in Interpreting Research00:26:38 Public Distrust in Presented Information00:29:42 The Skepticism Around Polls and Research00:35:33 Understanding Sleep Apnea00:37:31 Clinical Definition of Sleep Apnea00:40:15 Understanding Breathing Patterns00:46:01 Prevalence of Sleep Apnea vs. Airway Narrowing00:46:54 Misconceptions about Sleep Apnea Causes00:49:54 Understanding Cellular Energy Production00:54:15 Prevalence of Sleep Apnea in Men01:00:25 Assessing Risk of Sleep Apnea01:02:32 Probability of CPAP Therapy for Sleep Apnea01:04:54 Factors for Improving Sleep01:08:42 Rectangle Breathing Technique for Better Sleep01:14:55 Measuring CO2 Tolerance with Controlled Pause01:17:21 Understanding Disordered Breathing and Sleep Apnea01:20:03 Natural Solutions for Sleep Apnea01:29:41 The Impact of Breath Work on Health01:30:11 Podcast Wrap-Up

So who was really behind the creation of BLISTER, how did the whole thing get started, and was it actually due to a misunderstanding over a couple of beers on the weekend of Independence Day, 2010? Today, Jonathan Ellsworth and Michael Clarke discuss all of the above, as well as giant tortoises, some keys to long-lasting friendships, and more. RELATED LINKS:Get Yourself Covered: BLISTER+TOPICS & TIMES:Michael's Role In Blister's Existence (and Tortoises) (3:18)White Room Skis (7:00)Michael's Skiing Background (10:08)Jonathan's Intro to Skiing (15:06)Forming Opinions on Skis (20:44)How Blister Started Reviewing Gear (25:46)Outsider's Perspective on the Ski Industry (31:29)What's Changed Since Blister Started? (38:12)What Would You Do Differently? (45:35)Longevity & Assessing Risk (52:48)Maintaining Long-Term Friendships (1:04:44)CHECK OUT OUR OTHER PODCASTS:Blister CinematicCRAFTED GEAR:30Bikes & Big IdeasOff The Couch Hosted on Acast. See acast.com/privacy for more information.

NTD Good Morning—3/21/20241. Blinken Meets With Saudi Leader, Israel Readies Rafah Attack2. More US Citizens Evacuated From Haiti3. Biden Cancels $5.8B in Student Loan Debt4. Hearing on Allegations of Biden Family Influence Peddling5. Panel on Forced Organ Harvesting by CCP6. Senate Considering Public Hearing on Tiktok7. AG James Urges Court to Make Trump Pay Full Bond8. Biden Outpaces Trump in Fundraising by Wide Margin9. Texas Border Law Blocked Again in Legal Whiplash10. Are There Merits and Flaws to Texas' Immigration Law?11. Bus Company Agrees to Stop Bussing Illegal Migrants to NYC12. Biden Announces $8.5B Investment in Chip Manufacturing13. 1 in 4 Americans Dislike Both Biden and Trump14. Assessing Risk, Prevention of AI-Powered Robocalls15. CA: New Bill to Address Anti-Semitism on Campus16. Fourth Officer Sentenced in Torture Case17. Police: Angela Chao Was Drunk When She Drove Into Pond18. Key Takeaways From the Fed's Rate Decision, Conference19. Hundreds of Cherry Trees to be Removed in DC20. Trump's Team: 'Fatal Defect' in Immunity Rejection Ruling21. Trash Grabbing Robot to Clean up Space Junk22. NASA Accepting Applications for Astronauts

Hearing about risk is hard. Interpreting risk is even harder, but deciding which risks are comfortable for you is an essential part of birth!Meagan and Julie discuss how to tell the difference between relative and absolute risk, and what kind of conversations to have with your provider to help you better understand what the numbers mean. They also quote many stats and risk percentages around topics like blood transfusions, uterine rupture, eating during labor, epidurals, Pitocin, AROM, and episiotomies.  And if you don't feel comfortable with accepting a certain risk, that is OKAY. We support your birthing in the way that feels best to you!Risk of Uterine Rupture with Vaginal Birth after Cesarean in Twin GestationsJournal of Perinatal Education ArticleWhat are the chances of being struck by lightning?Needed WebsiteHow to VBAC: The Ultimate Prep Course for ParentsFull Transcript under Episode Details 02:52 Review of the Week06:08 Determining acceptable risk for you and your provider 08:00 Absolute versus relative risk15:21 More conversations need to happen25:29 Risk of blood transfusion in VBAC, second C-section, and third C-section30:37 Understanding the meaning of statistical significance 32:05 “The United States is intervention intensive” 36:27 Eating during labor and the risk of aspiration under anesthesia43:03 Epidurals, Pitocin, AROM, episiotomies, and C-section percentages44:43 The perspective of birth doulas and birth photographersMeagan: Hello, hello everybody. Guess who I have today? Julie!Julie: Hello. Meagan: Hello. It's so good to have you on today. Julie: Of course. It's always fun to be here. Meagan: It really is. It's so fun. When we sit and chat before, it just feels so comfortable like that is the norm still for me even though it has been a while, it just feels so normal and I love it. I miss you and I love you and I am so excited to be here with you today. You guys, we are going to talk a little bit about risk. We know that in the VBAC world, there's a lot of risk that comes up. I should say a lot of talk about risk that comes up whether it be is it safe to even have a VBAC? Is it safe to be induced? What are our real risks of uterine rupture? Is it safe to VBAC with an epidural or without an epidural? What about at home out of the hospital? Is that safe? I don't know. Let's talk about that today. Julie: Let's talk about it. Meagan: Let's talk about it. I think it's really important to note that no matter what— and we're going to talk about this for sure today, but no matter what, you have to take the risks that you are presented and that is given and still decide what's best for you. That risk doesn't mean that is what you have to or can't do. Right? So I think while you are listening, be mindful or kind of keep that in the back of your mind of, “Okay, I'm hearing. I'm learning.” Let's figure out what this really means and then let's figure out what's truly best for you and your baby.02:52 Review of the WeekI do have a Review of the Week so I want to hurry and read that, then Julie and I will dive into risk and assessing. Julie: Dun dun, we're ready. Meagan: We are ready. Okay, holy cow. This is a really long review, so—Julie: You can do it. Meagan: Thank you to Sara R-2019 on Apple Podcasts for leaving this review. I love how Julie was like, “You can do it,” because she knows that I get ahead of what I'm reading in my mind and then I can't read, so let's see how many times it takes to read this review. Julie: You've got this. Meagan: Okay. It says, “A balanced and positive perspective.” It says, “As a physician myself I think it is unusual to find balanced resources for patients that represent the medical facts but also the patient experience and correct for some of the inaccuracies in medicine. This podcast does an amazing job of striking this balance!“I had an emergency C-section with my daughter 2 years ago. Despite understanding that the CS was medically appropriate and my professional experience, I still found the whole experience to be mildly traumatic and disappointing. This podcast was the main resource I used to help prepare for my second child's birth and my plan to have a VBAC. I am now holding my new baby in my arms with so much pride, love, self-confidence, and trust because I had a smooth and successful VBAC.“I am thankful for this podcast which gave me ideas, confidence, strength, and a sense of community in what is otherwise a very isolating experience. I especially appreciate the variety of stories that are shared, including VBAC attempts that result in another C section so that we can all prepare ourselves for the different outcomes. No matter what happens we are strong women and have a welcome spot in this community, even when we may feel alone with our thoughts and fears. Thank you, Julie and Meagan!Julie: Aw, I love that. Meagan: Yes, that was phenomenal. Congratulations Sara R-2019. If you are still listening here, congratulations and we are so happy for you and thank you for your amazing review. 06:08 Determining acceptable risk for you and your providerMeagan: All right, Julie. Are you ready? Julie: Here we go. Here we go. Can I talk for a minute about something you mentioned before the review? You were talking about risk and how it's not a one-size-fits-all because we were talking about this before. We all know that the uterine rupture risk is anywhere between .2%-1% or whatever depending on the study and what you look at. The general consensus among the medical community is .5%-1% is kind of where we are sitting, right? Now, some people might look at that risk and be like, “Heck yeah. That's awesome. Let's do this,” especially when you look at a lower risk than that that it's a catastrophic rupture. Some people might look at those numbers and be like, “This feels safe. Let's go.” Some people might look at those numbers and be like, “This feels scary. I just want to schedule a C-section.” Meagan: No, thank you. Julie: And that's okay. It is okay. However you approach risk and however you look at it is okay. We're not here to try and sway anybody. Obviously, we're The VBAC Link, so we are going to be big advocates for VBAC access, right? But we're also advocates for having all of the information so you can make the best decision no matter what that looks like. But also, I think another very important part of that is finding a provider whose view of risk is similar to your view of risk so that you guys have a similar way to approach things because if you find a provider who thinks that 1% risk of VBAC is really scary, it's not going to go good for you if you think a 1% risk for a VBAC is acceptable. So yeah, I just want to lay that out there in the beginning. Meagan, you touched on it in the beginning, but I feel like provider choice in risk is really important there. Meagan: It is. Julie: For sure. 08:00 Absolute versus relative riskMeagan: It is and also, one of the things we wanted to talk a lot about is absolute risk versus relative. So many times when people, not even just the actual percentage or 1 out of 5 is shared, it's the way it's shared. The way the words are rolling off of the tongue and coming out can be shared in a scarier way so when we say 1 out of 5, you're like, “Okay, that's a very small number. I could easily be one of those 5's.” It's the way these providers sometimes say it.  A lot of the time, that's based on their own experience because now they are like, “Well, I am sharing this number, but I'm sharing a little extra behind the number because I've had the experience that was maybe poor or less ideal.” Does this make sense? Julie: Yeah. Meagan: Sometimes the way we say things makes that number seem even bigger or even worse or scarier. Julie: Right. It really comes down to absolute risk versus relative risk, right? Relative is your risk in relation to another thing that has risk. Absolute risk is the actual number. It's like 1 in 10. That is an absolute risk. You have a 1 in 100 chance of uterine rupture. That is an absolute risk. Your chance of uterine rupture doubles after three Cesareans. That's not true. That's not true. But that's a relative risk. I really like the example that I feel is really common for people to relate to is stillbirth after X amount of weeks. Evidence-Based–Meagan: That's a huge one. Julie: Yeah, it's a big one that gets thrown around all of the time and it sounds really scary when people say it. I love Evidence Based Birth. They have this whole article about due dates and risks associated with due dates and why due dates should really be adjusted and look at differently. They don't say that. They just present all of the data, but what I really like about that is they have a section here about stillbirth and they talk about absolute risk versus relative risk. I feel like that would be a great thing to start with. I'm just going to read it because it's so well-written. They said, “If someone said that the risk of having a stillbirth at 42 weeks compared to 41 weeks is 94% higher, then that sounds like a lot.” Your risk of stillbirth doubles at 42 weeks than if you were to just get induced at 41 weeks. Your baby is twice as likely to be stillborn if you go to 42 weeks. Meagan: Terrifying. Julie: Okay? 94% higher. That's almost double. That is scary. For me, I'd be like, “Uh, yeah. That is super scary.” Meagan: Done. Sign me up for induction. Julie: Right? Sign me up for induction. But when you consider the actual risks or the absolute risks, let's just talk about those numbers. 1.7 per 1,000 births if they are at 41 weeks. Stillbirth is 1.7 per 1000 births. At 42 weeks, it's 3.2 per 1000 so it's a .17% chance versus a .3% chance so you are still looking at really, really, really small numbers there. So yeah, it's true. 3.2 is almost double of 1.7 if you do the math. Sometimes math is hard so that's fine. We have to get out the calculator sometimes, but while it's true to say the risk of stillbirth almost doubles at 42 weeks, it could be kind of misleading if you're not looking at the actual numbers behind it. So I think that it's really important when we're talking about risks and the numbers and statistics to understand that there are different ways of measuring them and different ways of looking at them and different ways of how they're even calculated sometimes. So depending on how you look at them, you could even come up with different risks or different rates which can really sway your decision. We're not talking about a 5%-10% double which is still true. It's still double, but it's just a really small number. Now, I also want to do a plug-in for people who have been in that .3%. It might as well be 100%. I can't even imagine the trauma of having to have a loss like that. I can't. I have supported parents through that. I have documented families like that and documented their sweet babies for them. I can't imagine the pain that goes with that. But I also think it is very important to look at the actual numbers when you are making a decision. Now, maybe that .32% is too high for you and that's okay, but maybe it's not and that is a risk you are willing to accept. I feel like approaching it like that is so much better. If somebody ever says to you, “This risk of that is double” or whatever, I don't know. I'm just going to make up some random stuff here like, “If you drive in your car to school, you have a 1 in 10 chance of getting in a car crash but if you drive on a Wednesday, your risk doubles so now you have a 2 in 10 chance or 1 in 5 chance of getting in the car crash,” so maybe you would want to avoid driving to school on Wednesdays, but maybe you wouldn't. But if you say you're risk is higher of dying in a car crash if you go to school on Wednesdays, they would be like, “I'm not leaving the house on Wednesdays or ever.” I'm not leaving the house today because it's so dog-gone cold and I'm warm in my blanket. I don't know. I feel like looking at it like that. Actually, 1 in 10 is really high for getting in a car crash, but I don't know. I just feel like looking at that is really important for providers telling you, “Oh, your risk of uterine rupture doubles if we use Pitocin so I'm not going to use Pitocin.” Okay, we're looking at a small increase to an already small risk. We know that any type of artificial induction could lead to an increased risk of uterine rupture especially if it's mismanaged, but what we do know is that it's not– I don't want to say that because that might be wrong. When you are presented with the actual numbers, yes. It might double. I don't know what the actual numbers are, to be honest off the top of my head. I feel like maybe it doubles, but if you are already looking at a .2% to a .4% or a .5% to a 1% chance, what's the tradeoff there? What are your risks of just scheduling a repeat C-section instead of doing an induction? Is that worth it to you? What are the risks associated with repeat Cesareans? Are they bigger than that of using Pitocin to induce labor? What is that compared to the other one because there is another that is relative risk? The absolute risk is what the percentage is. I'm not even going to say the number. But if there's a risk of rupture using Pitocin relative to the risks that come with repeat Cesareans, those are risks that are relative to each other, so how does that compare? Because when we talk about it in just that singular form or that singular amount of risk without considering the other risks that might be associated with it because of the decisions we made from that risk– am I making sense here? Then you know, I don't know. I feel like there is just a lot more conversation to have sometimes when we are talking about risk. 15:21 More conversations need to happenMeagan: Yes. There are. There is a ton more conversation and that is what I feel like we don't see happening. There's a quick conversation. Studies show that 7 minutes are spent in our prenatal visits which is not a lot of time to really dive into the depths of risk that we are talking about when we say, “We can't induce you because Pitocin increases–”. This is another thing I've noticed is significantly. You have a serious–. Again, it comes down to the words we are using. Sometimes in these prenatal visits with our providers, we do not have the time to actually break down the numbers and we're just saying, “Well, you have a significantly higher risk with Pitocin of uterine rupture so we won't do that.” When we hear significantly, what do we do? We're like, “Ahh, that is big.” You know? Julie: Yeah. Meagan: We're just not having the conversation of risk enough and again, it's kind of being skewed sometimes by words and emotion. We were talking about this before. I remember we made a post– I don't know, probably a year and a half ago maybe. It seems like a while ago about the risk of complications in a repeat Cesarean meaning you have a C-section and then instead of going for a VBAC, you go for a repeat Cesarean which as you know, if you've been with us, is totally fine and respected here from The VBAC Link. A lot of the time, we don't talk– and when I say we, I mean the world. We don't talk about the actual risk of having a repeat Cesarean, right? Don't you feel like that, Julie? I don't know. As a doula, I feel like our clients who want to go for VBAC know a little bit more of the risk of having a VBAC, but they have not been discussed at all really with the risk surrounding a repeat Cesarean. We made a post talking about the risks of repeat Cesarean and I very vividly remember a lot of people coming at us with feeling that we were fearmongering.Julie: Or shaming. Meagan: Shaming, yep. A lot of people were feeling shamed or disrespected. People would say, “You claim to be CBAC supportive, but here you are making these really, really scary numbers.” Anyway, looking at that post and going into what we've talked about, in some of those posts, we did say things like, “You are going to have a 1 out of 10 chance of X, Y, Z,”Julie: Or twice as likely to need this. Twice as likely to need a blood transfusion or 5x more likely to have major complications. Things like that. Meagan: Yeah. We would say things like that. I remember specifically in regards to miscarriage. It's a very, very sensitive topic, but there are risks there. So a lot of people were triggered. In the beginning, we talked about the way providers say things and the way they put them out on paper and the absolute risk versus the relative and way they do that. We're guilty of that too. Right here at The VBAC Link, we were like, “This is the chance. These are the chances. You are 5x more likely to X, Y, Z.” So know that I don't want to make it sound like we are shaming anybody else for the different ways that they give the message of risk. Am I making sense? Julie: Yeah, and you know what? I feel like sometimes it's just about giving people the benefit of the doubt. We want to give providers the benefit of the doubt just because it's probably something that they've continuously heard and spoken and that's okay because we do it too sometimes. We go on that thing like, “Oh my gosh, maternal death.” I think the risk of maternal death is 10x higher in a C-section than it is in a VBAC which sounds really scary and makes me never ever want to have a C-section again, but when you look at that, it's .00001% to .0001% or whatever is 10x more. It is such a small level of risk, but it is higher. I feel like trying to look at both absolute and relative risk for any given thing together is really, really important. Yeah. Give people the benefit of the doubt. Give us the benefit of the doubt. We are in such an awful cultural climate right now where it's easy for people, especially on social media to jump on the attack train for anybody when we feel triggered or when we feel like people are being unjust to us or to other people and I hate that so stinking bad. Whenever I catch myself with those feelings, I try to take a step back and I've actually gotten pretty good at that, but it's so easy for us to get on that bandwagon of just railing against people who present information in certain ways or railing people without getting all of the information about that person.Before I go off too much on a soapbox in that direction, yeah. I feel like your provider when they are saying those things is probably not trying to coerce you into anything. Our providers, especially our hospital providers are incredibly overworked. They are incredibly stressed. Their time management skills have got to be off the charts because they are so overloaded with everything and they just don't have time to automatically sit down and explain things. But you know what I have found? Most of them, when you stop them and ask questions, they are more than happy to answer and explain. Sometimes, they are just repeating things they have heard all the time or that they have learned at some point or another without giving them a second glance. Do you know what? We all do that too. Me, Meagan, you listening right now. We all do that. We hear things. We regurgitate them. We hear things. We regurgitate them and we don't even think about questioning or challenging those things until somebody else brings it up to us to question or challenge those things. So, don't be afraid to ask your provider for more information or ask them what the real numbers are to those things. I have a really special place in my heart for our CBAC moms because there are lots of things that they are working through, so many emotional things, but I challenge not just people who have had a repeat Cesarean that was unwanted, but people just in all life, when something triggers you online, stop and explore that. Stop and question because that is probably an area of your life that you could use a little healing and work on. It could be a little bit of work. It could be a lot of work, but usually, when something triggers you, it's a challenge to look into it more because there is something that your body and mind have an unhealthy relationship with that needs to be addressed. Julie: Anyways, circling it back to risk. Meagan, take it away. Meagan: I just want to drop a shameless plug on our radical acceptance episodes that we did, so kind of piggybacking off of what she just said. We dive into that a little bit deeper in our radical acceptance episode. It really is so hard and like what she said, our heart goes out to moms that have a scheduled C-section that didn't want to schedule a C-section or felt like they were in a corner or felt like that was the best option, but not the option they wanted. There are so many feelings, but definitely go listen to radical acceptance part one and part two. 25:29 Risk of blood transfusion in VBAC, second C-section, and third C-sectionMeagan: I just want to quickly go down a couple of little risks. Blood transfusion– we have a 1.89% or 1 in 53 chance of a blood transfusion with a VBAC. To me, 1.89% is pretty low, to me, but it might not be to some. I don't know, Julie. How do you say the other? Okay, then blood transfusion in a repeat Cesarean is 1.65% in the second C-section. It's lower. So for vaginal birth, it's higher. I'm not good at math. Julie: No, vaginal birth, yeah. That's true. So 1 in 53 for VBAC versus a 1 in 65 for a repeat Cesarean. Yes, right. Meagan: For a third Cesarean, the chances of a blood transfusion go to 2.26%. Julie: Yes, so it's like 50% higher than if you have a VBAC for the third Cesarean, but it's slightly lower for the second C-section. See? I feel like we could have talked about this before, but I don't know if we say it often enough. When you are talking about overall risk for VBAC versus C-section, when you are looking at just the second birth, right? So first birth was a C-section, what are you going to do for your second birth? The risks overall are pretty similar for vaginal birth versus Cesarean. The overall total risk is pretty similar as far as your chances of having major complications and things like that. But when you get into three, four, five, six C-sections and vaginal births, that's when you really start to see significant changes in those risks. See? I used the word “significant” again, but we're going to talk about where the more C-sections you have, the higher your chances of having complications you have. The more vaginal births you have, your chances of complications actually go down. So when you are looking at if you want more than two kids, that might be something that you want to consider. If you are done with two kids, then that might be something that is not as big of a player in your choices. So yeah. Meagan: Yeah. Then there are things like twins. So when I was talking about it earlier, the word significantly, there was a systematic– I almost said something– systemic. Julie: Systemic review? Meagan: Yeah, see? I can't say it correctly. I can't. Published– oh, I'm trying to remember when it was published. We will get it in the show notes. It talks about the risk of uterine rupture with twins and it does say. It says “significantly higher in women with twin gestation”. That's kind of hard, I feel like because again, like we were saying, some reviews and studies and blogs and all of these things wouldn't say the word significantly. They may share a different one. I'm going to see if I can find the actual– maybe Julie can help me while I'm talking– study. Okay, it says three out of four studies in a group of zero cases of uterine rupture. Notably, the study with the largest patient population reported cases of uterine rupture in both groups and demonstrated a significantly greater risk of uterine rupture in the VBAC group. Meanwhile, the other three studies found no significant difference between rates of uterine rupture among groups 31-33. Nevertheless, the study shows that electing–”Okay, so I'm just going to say. It says, “Electing to have a PRCD reduces but does not eliminate the small risk of uterine rupture.” So what I'm reading here is that in some of them, it showed significantly greater, but then in 3 out of 4 reviews, and I don't even know actually how many people were in each of these reviews, but in 4 reviews, one had a greater risk and three didn't really show much of a difference, but we see that in the very beginning right here. “Uterine rupture is significantly higher in women with twins.” What do you think? If you are carrying twins and you see that, Julie, significantly higher enters into the vocabulary at all, what do you think?Julie: Well, I think I would want to schedule a C-section for my twins, probably. Meagan: Probably. 30:37 Understanding the meaning of statistical significance Julie: I want to just go off on a little tangent here for a second. I think it's really important when we are talking about studies that we know what statistically significant means because sometimes if you don't know much about digging into studies and things like that which I'm not going to go into too much right now– Meagan: It's difficult. Julie: It is difficult. It's really hard which is why I'm not going to go into it because I feel like we could have a whole hour-long podcast just for that. Statistically significant really just means that the difference or the increase or the change that they are looking into is not likely to be explained by chance or by random numbers which is why when you have a larger study, the results are more likely to be statistically significant because there is less room for error basically. A .1% increase can be just as statistically significant as a 300% increase because it just comes down to whether they are confident that it is a result that is not related to any chance or external environmental factors. I feel like it's really important to clarify that just because something is statistically significant doesn't mean that it's big, catastrophic, or a lot, it just means that it's not likely to be due to chance or anything random. 32:05 “The United States is intervention intensive.” Meagan: Yeah. I love that. Okay. There was one other thing I wanted to share. This was published in the Journal of Perinatal Education and it is a little more dated. It's been 10 years or so, but I just wanted to read it because it was really interesting to me. It doesn't even exactly go with risk and things, but it just talks about your chances which I guess, to me– do you know what I”m trying to say? Julie: They kind of go hand in hand. Meagan: To me, at least, they do. So when I read this, I was like, “Well, this is interesting.” I just wanted to drop it here and I think it's more just eye-opening. It says, “Maternity care in the United States is intervention intensive.” Now, if we didn't know this already, I don't know where I've been in the doula world for the last 10 years. Right? You guys, as doulas, obviously, we're not medical professionals, but as doulas, we see a lot of intervention and a lot of intervention that is completely unnecessary and a lot of intervention that leads to traumatic birth, unexpected or undesired outcomes and then they lead to other unnecessary interventions. It's the cascade. We talk about the domino effect or the cascade of interventions, but this is real so for them to type out, “Maternity care in the United States is intervention intensive–”Julie: You're like, “Yeah, where have you been?” Not you, but the writer. Meagan: Yeah, the writer. Yeah. It says, “The most recent national survey–” Now, again keep in mind it is 2024. This has been a minute since this was written. Julie: About 10+ years. Meagan: 10-12 years. Just keep that in mind. But it was interesting to me that even 10-12 years ago, this was where we were at because I feel like since I started as a doula, I've seen the interventions increase– the inductions, the unnecessary Cesareans increase a lot. Julie: Some of them, yeah. Yeah, especially inductions and Pitocin. Meagan: Not all of the time. I cannot tell you that in 10 out of 10 births that I attend, this is the case but through the years of me beginning doula work and what I have witnessed, it's increased. At least here in Utah, it seems that it has increased. It says, “The most recent national survey of women's pregnancy, birth, and postpartum experience reports that for women who gave birth in June 2011-2012,” so a little bit ago, “89% of women experienced electronic fetal monitoring.” Okay. Julie: That seems actually low to me for hospital births. Meagan: It does seem low because to me–Julie: I wonder if there had been a ton of stop and drops or something. Meagan: I don't know, but I agree. 89%. I feel like the second you get into the hospital, no matter VBAC or not, they want to monitor your baby. Julie: Strapped onto the monitor, yeah. Meagan: It says, “66% continuously.” So out of the 89%, it says 66% were continuously meaning they didn't do the intermittent every 30 minutes to an hour checking on baby for a quick 15 minutes to get another baseline, they just left that monitor on them which makes me wonder why. Usually, when a client of mine goes in and has that, they're like, “Oh, your baby had a weird decel so we are going to leave the monitor on longer,” and then they don't say anything. They just keep it on there. Maybe that's– I don't know. It says, “62% received intravenous fluids.” Julie: IV fluids. Meagan: Which to me, is also a lot. 36:27 Eating during labor and the risk of aspiration under anesthesiaMeagan: “79% experienced restrictions on eating.” 79%. You guys, we need to eat. We need to fuel our bodies. We are literally running a marathon times five in labor. We shouldn't be not eating, but 79% which doesn't surprise me, and “60% experienced restrictions on drinking in labor.” Why? Why are we being restricted from drinking and eating in labor unless we have other plans for how labor may go? Julie: That's exactly what it is. They're preparing you for an emergency Cesarean. That's what they're doing. That's exactly what restricting non-IV fluids is. It's not only that, but it is preparing you for the incredibly low risk of you having to go under general anesthesia, and then even people that go under general anesthesia have an incredibly low risk of aspirating and that is what it's coming down to. Don't even get me started on all of the flaws in all of the studies that went over aspiration during general anesthesia anyway because they are so significantly flawed that we are basing denying women energy and fuel during labor based on flawed studies that are incredibly outdated and on incredibly low risk during an incredibly already low risk. I mean, you probably don't want to down a cheeseburger while you're having a baby. I don't know. Maybe me. Just kidding. Even I didn't want a cheeseburger, but I wanted some little snacks, and some water to keep you hydrated. Yes. Oh my goodness. Let's please stop this. Sorry. Stepping off the soapbox. Meagan: You know, there is a provider here. I actually can't remember her name. It was way back in the beginning of my doula career and actually, it was in an area that is not one of my more common areas to serve. It was outside of my serving area. Anyway, we were at a birth and there was an induction. I remember being in there with her and the provider, an OB, walks in and is like, “Hey, how are you doing?” He was so friendly and kind and asked some questions like, “How are you feeling? What are you thinking about this?” Then she was getting ready to leave and she turned back and said, “Hey. I just thought about this. Have you eaten anything?” The mom was like, “No.” She was like, “Uh, you need to eat.” Julie: Yeah!Meagan: She had an epidural at this point. The mom was like, “Wait, what?” She was like, “You need to eat.” I literally remember my jaw falling, but had to keep my mouth up because I didn't want to look like I was weird. Anyway, I said, “That's something I've not usually heard from an OB especially after someone's had an epidural.” She was like, “Oh, I am very passionate about this.” She was like, “When I was finishing up school and graduating,” she had to write some big thing. Julie: Her dissertation probably. Meagan: Time capsule, I don't even remember what it was called. Some really, really big thing. She was like, “I specifically found passion about the lack of eating and drinking in labor.” She was like, “I did all of this stuff and what I found was you are more likely–” Here comes risk. “You are more likely to be struck in the head twice by lightning–” This is what she said. “Twice by lightning than you are to aspirate in a Cesarean after having an epidural.” Julie: I love this lady. Who is it? Meagan: I can't remember. I will have to text my client. Julie: Where was it? What hospital? Meagan: It was up in Davis County. Julie: Oh, interesting. Meagan: It was not an area for me. I said, “Whoa, really?” She said, “Yeah. You need to get that girl some food.” I was like, “Done. 100%.” Julie: More likely to get struck by lightning. Meagan: More likely to get struck by lightning twice in the head than you are to aspirate in a Cesarean after receiving an epidural. That stuck with me forever. Literally, here we are 10 years later. Julie: I love that because first of all–Meagan: I don't have documentation to prove that. She just said that. Julie: That is 100% relative risk. Aspirating during a C-section relative to getting struck by lightning twice. So that's cool. What are the numbers? I know that the numbers are super incredibly low and I feel like when you put in context like that, getting struck by lightning twice, I don't know anybody that's been struck by lightning once and who has been alive to tell about it. I know of a friend whose sister got struck by lightning and died when she was very young. I only know one person in my entire life who has been struck by lightning. Meagan: I just looked it up really quick. I don't even know if this is credible. I literally just looked it up really quickly. It says that the odds that one will be struck by lightning in the US during one's lifetime is 1 in 15,300. Julie: Wow. Meagan: Okay. Julie: So twice that is 1 in 30,000. That's a freaking low risk. Anyway, what I'm saying is that I love that OB first of all. I feel like from what I've read about aspiration under general anesthesia during a C-section seems right in line with those numbers and those chances because it's so rare, it's almost unheard of especially now with all of the technology that we have. It's fine because I'm not going to go on that soapbox. I love that. I love that analogy and that we're talking about that because 10 years from now or when our daughters are having babies, they're going to talk about how their poor moms couldn't eat when they were in labor because of the policies just like we talk about the twilight sleep and how our poor grandmas had to undergo twilight sleep when our moms were being born. I feel like that's just going to be one of those things where we will look back and be like, “What were we thinking?” 43:03 Epidurals, Pitocin, AROM, episiotomies, and C-section percentagesMeagan: Okay, I'm going to finish this off. It says, “67% of women who gave birth vaginally had an epidural during labor and 37% were given Pitocin to speed up their labors.” Sorry, but come on. That also may go to show, that we're going to do an epidural episode as well, that epidural maybe does really slow down labor. Maybe it really does impact the body's response to continuing labor in a natural way, so 31% of those people had to have help and assistance. It says, “20% of women had their membranes artificially ruptured,” which means they broke your bag of water artificially with the little whatever, breaking bag water hook thing versus it breaking spontaneously. Julie: Amniohook. Is it an amniohook? Meagan: Amniohook, yeah. “17% of women had an episiotomy.” I don't know. Julie: I feel like those numbers are probably lower now. Meagan: I think that's changed, yeah. “31% had a Cesarean.”Julie: That is right in line with the national average. Meagan: It is, still. “The high use of these interventions reflects a system-wide maternity care philosophy expecting trouble. There is an increasing body of research that suggests that the routine use of these interventions rather than decreasing the risk of trouble in labor and birth actually increases complications for both women and their babies.” 44:43 The perspective of birth doulas and birth photographersJulie: I believe it. Do you know what? Can I just get on another tangent here because I know that you all love my tangents? I really wish that somebody somewhere would do something and I don't know what that something is, to get the voices of birth doulas and birth photographers heard because this is why. Doulas and birth photographers– I've said this before. We see births in all of the places. We have a really, really unique point of view about birth in the United States because we attend births at home. We attend unassisted births. We attend births at home with unlicensed providers. We attend births at home and births at birth centers with licensed providers. We attend in-hospital births with midwives and we attend in-hospital births with OB/GYNs and some of us are lucky enough to attend out-of-hospital births with OB/GYNs because there are a handful of them floating around. We see birth in every single variety that it takes in the United States. I really wish that someone somewhere would do something to get those voices lifted and amplified because I feel like yes, a lot of that is going to be anecdotal, but I feel like the stories there have so much value with the state of our system in the relationship between home and hospital birth, how birth transfers happen when births need to be transported to hospitals, the mental health of the people giving birth, the providers and the care, and all of that. I feel like, like I said, somebody should do something to do something with all of that information that we all carry with us. I think it could provide so much value somewhere, right? I don't know what yet, but if anybody has an idea, message me. Find me on Instagram at @juliefrancombirth. Find me. Message me if you have any ideas. Maybe write a book or something. I don't know. Meagan: I've wanted to do an episode and title it “From a Doula's Perspective”. We could do that from a birth photographer and all that, but it's crazy. It's crazy. Julie: We see it all. Meagan: There was a birth just the other day with one of our sweet, dear clients where the provider was saying things that seemed scary even though the evidence of what was happening was really not scary, went into a scheduled induction, and the way they were handling it, I felt so guilty as a doula and I was like, “This is going to turn Cesarean. This is not good.” Sure enough, it did and it broke my heart because I was like, “None of that needed to happen,” but again, it goes to us deciding what's best for us. That mom had to decide what was best for her with the facts that we were giving, what the doctor was giving, and all of these things. Again, we don't judge anyone for the way they birth, but it's sometimes so hard to see people not get the birth they wanted or desired, or to have people literally doubt their ability because someone said something to them. Julie: Yeah. Meagan: You know–Julie: Yeah. I agree. It's just interesting. Anyways. Meagan: We are getting off our topic of risk, but risk is a hard conversation to have because there are different numbers. It can be presented differently and like I said, it can also have a tone to it that adds a whole other perspective. So know that if you are given a risk, it's okay to research that and question it and see if that really is the real risk and if that's the evidence-based information. We like to provide them here like we were saying earlier. We may be guilty and I hope you guys stick with us if we share some that might be a little jarring on both sides of the VBAC and C-section, but we love you. We're here for you. We understand risks are scary. They are also hard to break down and understand, but we are here for you. I love you guys and yeah. Anything else, Julie?Julie: No. I just want to say be kind to each other. Give each other the benefit of the doubt. Do everything you can to make the best decisions for you. Trust your intuition and find the right support team. We're all just trying to do our best– us at The VBAC Link, you as parents, providers as providers, and if you feel like you need to make a change, make it. Meagan: Make it. All right, okay everybody. We'll talk to you later. Julie: Bye!ClosingWould you like to be a guest on the podcast? Tell us about your experience at thevbaclink.com/share. For more information on all things VBAC including online and in-person VBAC classes, The VBAC Link blog, and Meagan's bio, head over to thevbaclink.com. Congratulations on starting your journey of learning and discovery with The VBAC Link.Support this podcast at — https://redcircle.com/the-vbac-link/donationsAdvertising Inquiries: https://redcircle.com/brands

Risk assessment, setting an example of leadership for your employees, and looking to the future are all part of an agency owner's daily schedule. But how often do we take the time to slow down, take a breath, and reflect on what leadership means to us and our company, now and going forward? Matt Phillips thinks we don't do this as often as we should. He's here today to discuss why taking time to reflect and develop as leaders will help our agencies, why finding the truth amidst limiting beliefs will help us grow, and much more. This week, episode 208 of The Digital Agency Growth Podcast is about developing leadership skills, overcoming limiting beliefs, and assessing risk!Watch our latest video training, How to Take Charge of Your Agency's Future Revenue. During this training, you'll learn how we get qualified appointments every week using tasteful and highly targeted email outreach.In this episode of The Digital Agency Growth Podcast, Matt Phillips shares the importance of setting aside time to contemplate your leadership and actionable steps you can take right now to hire the best possible person in every scenario. As a leadership coach and host of The Matt Phillips Podcast, Matt Phillips helps sales leaders achieve pro-level performance by developing and harnessing their mental toughness. Having worked with companies including Western Union, Marsh, and Robert Half, Matt knows that the status quo of promoting rockstar salespeople to sales leaders often leaves the new leader with significant gaps in their own leadership philosophy, confidence, and resilience. By combining his background as a professional baseball player with his global experience in sales, operations, and accounting, Matt supports business leaders and teams as they break through the mental roadblocks that arise in their daily grind to help them realize their potential in their personal and professional lives.In this episode, Dan and Matt discuss the following:What mental resilience means in everyday practice for your business.Matt's four archetypes that give insight into how people think and work.The importance of asking tough questions to uncover the truth and overcome fear-based limitations.How carving out time for thoughtful reflection on leadership, even with a busy schedule, will positively impact your business.Thank you for listening! If you enjoyed this episode, please take a moment to follow, rate and review the podcast and tell me your key takeaways!Learn more about The Digitial Agency Growth Podcast at https://www.salesschema.com/podcast/ and our Video training at https://salesschema.com/relationships CONNECT WITH MATT PHILLIPS:WebsiteThe Matt Phillips PodcastLinkedInInstagramCONNECT WITH DAN ENGLANDER:LinkedInSales Schema

On today's episode we are talking about how playing it safe might be killing your company. John Miller is the Founder of Scribewise, a dynamic content marketing agency dedicated to aiding B2B firms and healthcare providers in achieving growth through thought leadership and demand generation. His team of writers, designers, and strategists excels in humanizing complex business conversations by crafting and disseminating compelling, audience-focused content. With a firm belief in courageous marketing, John advocates for breaking free from the mundane and injecting excitement into the business world. His passion extends to his book, a manifesto at PlayingItSafeSucks.com, aimed at inspiring marketers and companies to adopt a bold and impactful mindset.Episode Highlights:Courageous Marketing Manifesto: The book, "Playing It Safe Sucks, A Courageous Marketing Manifesto," challenges the prevailing mindset of playing it safe, emphasizing the importance of making companies stand out, build credibility, and trust. Assessing Risk and Timing: Delving into the concept of risk in marketing, the discussion highlights the importance of assessing the right time for bold marketing moves and the need for internal champions to push innovative ideas.B2B Marketing Focus: The conversation underscores the distinctive aspects of B2B marketing, emphasizing the longer consideration cycle and the need to build trust at scale rather than merely focusing on website traffic or SEO.Effective Communication within Organizations: Addressing the challenges of communicating courageous marketing ideas within organizations, the emphasis is on starting small with experiments, proving concepts, and gradually expanding initiatives. Internal champions and alignment with company culture are vital.Navigating Uncertain Times: The discussion challenges the "Playing It Safe" mentality during uncertain times, urging marketers not to give in to the temptation of playing small. It encourages finding ways to bring innovative ideas to market, even in the face of internal politics and red tape.John's Top 3 Takeaways for the Audience:1.     Be courageous in your marketing.2.     For B2B companies, let go of your obsession with website traffic and SEO.3.     Don't follow trends or follow the masses. Focus on figuring out your message and audience instead. How to Connect with John: Website: https://scribewise.com/LinkedIn: https://www.linkedin.com/in/johnmillerscribewise/

Download Chris's FREE E-Book on “How To Find Ultra High Net Worth Clients" from https://UHNWC.com/   Lowell Pratt (https://www.linkedin.com/in/lowell-pratt-cfa-53b89310/) joined the Burney Company in 1986, became a Portfolio Manager in 1992, was promoted to Director of Analysis in 1996 and became President in 2003. Lowell's passion is implementing improvements to Burney's quantitative analytical methods.  In this episode, Chris and Lowell discussed: 1. Creating Legacies 2. Seeing Opportunities in Market Downturns 3. Inflation and The Road to Recovery 4. Assessing Risk and Rewards of Alternatives LinkedIn: https://www.linkedin.com/in/lowell-pratt-cfa-53b89310/ Website: https://burneyadvisorservices.com/ Maximize your marketing, close more clients, and amplify your AUM by following us on:  Instagram:  https://instagram.com/ultrahighnetworthclients  TikTok: https://tiktok.com/ultrahighnetworthclients  YouTube: https://www.youtube.com/@uhnwc Facebook: https://www.facebook.com/UHNWCPodcast  Twitter: https://twitter.com/uhnwcpodcast  iTunes:  https://podcasts.apple.com/au/podcast/ultra-high-net-worth-clients-with-chris-brodhead/id1569041400 Spotify: https://open.spotify.com/show/4Guqegm2CVqkcEfMSLPEDr Website: https://uhnwc.com  Work with us: https://famousfounder.com  DISCLAIMER: This content is provided by Chris Brodhead for the general public and general information purposes only. This content is not considered to be an offer to buy or sell any securities or investments. Investing involves the risk of loss and an investor should be prepared to bear potential losses. Investment should only be made after thorough review with your investment advisor considering all factors including personal goals, needs and risk tolerance.

Caribou Honig is a partner at SemperViren Ventures, a VC firm that specializes in investing in workforce, healthcare, and financial technologies. In this episode, we discuss quitting jobs, taking risks, Insurance, and Venture capital in 2023. 0-1: Intro 1-5: Stupid Career Decisions 5-8: InsureTech 8-10: How will younger people become interested in insurance? 10-11: Opportunities at CapitalOne 11-13: Hierarchy of technology 13-16: Insurance API's 16-18: What Caribou Invests In 18-21: What do you look for in a founder? 21-23: Dilution in Venture Capital   23-27: Investing in companies in 2023 27-32: Should Venture Capital be democratized? 32-34: How to find business opportunities 34-35: InsureTech Niche 35-40: The math behind Insurance 40-42: Assessing Risk 43-47: Advice to college students

I love chess, and I love building businesses. Luckily, for me, the two are very similar. Here are some lessons that I've learned from playing chess that have helped me build my 8-figure business. Lesson 1: Control the Center.Lesson 2: Understanding Piece Value.Lesson 3: Proactive Piece Development.Lesson 4: Assessing Risk vs. Reward.Lesson 5: Thinking Several Moves Ahead.There's so much you can learn from this game that you can then take and apply to other areas of your life. So the next time you're feeling stuck, break out the ol' chess board and play a few games. You might find the answer on the board. LEAVE A REVIEW if you liked this episode!! Let's Connect On Social Media! youtube.com/anthonyvicino twitter.com/anthonyvicino instagram.com/theanthonyvicino https://anthonyvicino.com Join an exclusive community of peak performers at Beyond the Apex University learning how to build a business, invest in real estate, and develop hyperfocus. www.beyondtheapex.com Learn More About Investing With Anthony Invictus Capital: www.invictusmultifamily.com Multifamily Investing Made Simple Podcast Passive Investing Made Simple Book: www.thepassiveinvestingbook.com

Want to navigate oil and gas investments? Our talk with Steve Blackwell, CEO of InVito Energy Partners, offers key advice. He shares insights on assessing such investments, focusing on sponsors' and operators' backgrounds, team composition, and the ability to simplify complex evaluations and financial models. He also emphasizes the importance of low fees to ensure more of your capital is invested in assets.Investing in oil is risky, but Steve guides us on risk assessment, discussing how to gauge project failure likelihood and wildcatting. He values historical production data and considers infrastructure crucial when evaluating investments. He also explains best and worst-case scenarios, providing a thorough understanding of possible outcomes.Steve also explores oil and gas funds, tax considerations, and the potential for steady income from these investments. He explains fund evaluation, exit strategies, and the benefits of patience, like avoiding IDC recapture. We also delve into the advantages of oil and gas investments including tax deductions and long-term growth, and address intricate aspects of energy investments like the alternative minimum tax and intangible drilling cost deductions. Don't miss this episode full of essential advice! For more, email: sblackwell@invitoep.com 

MetaSpiritual Podcast-This episode continues our series entitled Why Facts Don't Change Our Minds and Beliefs Are so Hard to Change?, based on an article by by Imed Bouchrika, PhD. We explore two topics from the article: “Causality and the Ignorance Gap” and “Emotions and Assessing Risk.” The post 2023-25: Facts-Beliefs-Part 3; Absolute Word-Reflection first appeared on Metaphysical Romp 2 Podcast.

After a three-year pause, borrowers must resume their federal student loan payments in October. In this episode, the Equifax Risk Advisory group discusses how the financial industry can navigate the road ahead by assessing their risk and finding opportunity. In this episode:·      How the repayments will impact the financial industry·      Will the additional monthly payment cause delinquencies to rise in other loan products·      How clients can assess risk in their loan book·      Strategies for addressing risk  Resources: Fintech Solutions: Discover how our rich data, predictive analytics and cloud-native technologies can help fintechs successfully target and acquire more customers, mitigate fraud and make better business decisions. CreditForecast.com is a joint venture between Equifax and Moody's Analytics. Get actionable consumer credit, economic and demographic data, forecasts and analysis.  Register for Market Pulse webinars to get relevant economic and credit insights to help your business make more confident decisions. Learn more about our Market Pulse podcast, and contact us at marketpulsepodcast@equifax.com

In this episode about risk Sascha and I explore the varied ways we gage the danger of any given situation. We talk about mothers, swings, logs in the woods. We make note of the ways our sure and imminent death plays into our calculations and  how grateful we are for the hard, brave work past versions of ourselves have done in service of our current selves.Come join us on this friendly romp through risky landscapes!

Mark Parrett and Steven Manuel discuss the next in their Critical Skills of Money series: MULTIPLICATION. (This is the aspect of money management that people REALLY get JUICED about: how do we take money and turn it into MORE money?) Everybody gets amped at the idea, but multiplication is more about discipline than anything else. Being comfortable with taking some risk helps too. ALSO! If you're wondering how Mark's suits have been fitting him lately, this episode is for you! Abraham's Wallet exists to inspire and equip Biblical family leaders. Please partner with us in inspiring and equipping multi-gen families at https://abrahamswallet.com/donate/ About Abraham's Wallet: AW website: https://abrahamswallet.com/2017/11/27/what-is-abrahams-wallet/ Apple Podcasts: https://podcasts.apple.com/us/podcast/abrahams-wallet/id1462593706 Spotify: https://open.spotify.com/show/6xbcf3IhayaoKB4sTegPRw?si=4M-m7mwUR0GigEkgrf3aJA YouTube full episodes: https://www.youtube.com/@abrahamswallet Twitter: https://twitter.com/abrahamswallet Facebook: https://twitter.com/abrahamswallet Instagram: https://www.instagram.com/abrahamswallet This Week's Episode Rundown: 0:00 Mark's Soap and Suit 4:21 Critical Skills of Money Recap 7:14 MULTIPLICATION 10:30 Biblical Backgrounds 17:21 Multiplication In Action 19:05 The Power of Compound Interest 30:11 Stewarding The Master's Money 37:17 Why Should We Multiply? 43:08 I'm Going to Be A Multiplier, by Gum! 44:51 BONUS SKILL: Understanding Risk 53:30 Assessing Risk 59:07 Recap & Close

In this episode of The Event Safety Podcast, we welcome back ESA Board Member and ESA Canada Executive Director Janet Sellery for a conversation on assessing risk. Topics of discussion include organizing risks factors, benefits & shortcoming of various assessment models, prioritizing process over specific tools, and more. They also drop some info on several upcoming events and ESA's new student membership program. Check it out!Notes:Notes:Triangle: The Fire That Changed America (Book)The Checklist Manifesto (Book)ESA Canada

Three Tips to Keep People Out of Poverty. Female Role Models. Assessing Risk. Feminists Explode Over Leo's Latest Girlfriend.Follow Clay & Buck on YouTube: https://www.youtube.com/c/clayandbuckSee omnystudio.com/listener for privacy information.

Josh Phillips, Senior Director and Head of Safety & Asset Protection for Chipotle Mexican Grill sits down with TalkLP Host Amber Bradley to talk deviating career paths, the best way to truly be open-minded, and the BEST career advice he's ever received.  Josh also talks about the benefits of creating a real and authentic workplace...and WHY should that matter? Josh also opens up about the worst career advice he's ever received... AND all those solution providers that don't bother researching the business your pitching, don't bother calling Josh.  Great advice: do your research and try to know the problem before walking in the door. Plus, understand how your solution is going to scale in large environments (#preach, Josh)! Josh is speaking at the Restaurant Loss Prevention & Security Association (RLPSA) Annual Conference in Denver April 2- 5 about threat assessment and building a Risk & Threat Assessment Policy/Program. For more information on attending RLPSA check out it out here.