Podcasts about atms

Washington State loses a taxpayer every 30 minutes to Republican states - and by the time you finish watching this video, another freedom-loving American will have packed up and said 'see ya later' to progressive paradise. We're diving deep into the shocking migration data that has woke politicians scrambling for excuses while their constituents vote with their feet.From Seattle's new socialist mayor needing to explain basic economics to applauding crowds, to Governor Ferguson's eye-watering $9.4 billion tax hike, we're watching the progressive playbook destroy communities in real time. Meanwhile, Florida, Texas, and North Carolina are rolling out the red carpet every few minutes for refugees from blue state misery.Is this just about taxes, or are Americans finally fed up with defunded police, rampant homelessness, and virtue-signaling politicians who treat taxpayers like ATMs? What will it take for Washington to hit rock bottom at #51?Smash that like button if you're tired of watching common sense get taxed out of existence, and don't forget to subscribe for more brutal reality checks our leaders don't want you to see!

We started off this week by paying tribute to the activist, actress, and author, Margaretta D'Arcy, who passed away last Sunday.   Tributes were paid from right across the political spectrum, and we also heard from some key people involved in activism, political representatives, and people from the Arts as well. We started off by hearing from Joe Coughlan who knew her from Woodquay.   ​The City Council budget was also passed this week, with one businessman very disillusioned by the 3% increase in commercial rates and by increases to parking charges in the city. Brendan Holland, owner of Holland's shop in town, said that it is unthinkable to consider a commercial rates increase, and the fact that a 13% increase was even in the conversation is beggars belief.   ​Cash is very much King. We heard about the Access to Cash legislation which has come into force. We debated this with Independent Ireland Deputy Michael Fitzmaurice. He weighed up the pros and cons of this legislation, adding that there is a lot of work to do in terms of getting access to ATMs in smaller villages.   ​The maroon and white rejoiced as a €3 billion funding investment in infrastructure was allocated for Galway this week. Whether it isthe City Ring Road getting a billion, also the Western Rail Corridor and Bus Connects it was a significant investment in the NDP. Other projects being earmarked for progression, included the Claregalway Bypass and the Athenry Inner Relief Road.   We discussed that on the programme with a number of relevant stakeholders, including the Galway Commuter Coalition, one of the householders of the Ring Road route who have been left in limbo for the past 15 years, and representative of Western Rail Corridor Group, Councillor Peter Feeney.

Keith tells how much he paid for his first property and how he traded up for more and larger properties.  He highlights the benefits of owning real estate, noting that 63% of the median American's net worth is in home equity and retirement accounts, while the top 1% has 45% in private business and real estate.  He also shares his personal journey and emphasizes using other people's money to grow assets. Discover why outdated rent control policies harm housing supply and affordability.  Learn innovative ways to turn your property's unused spaces into effortless cash flow with today's best peer-to-peer platforms.  Sign up at GREletter.com to grow your means, and join a thriving community passionate about breaking free from financial limits! Resources: These platforms let property owners creatively monetize underutilized spaces. Neighbor.com – Rent out your garage, basement, driveway, or unused space. Swimply.com  – Rent out your swimming pool by the hour. StoreAtMyHouse.com  – Rent out your attic, closet, or other home storage spaces. SniffSpot.com  – Rent out your backyard as a private dog park. PureStorage.co  – Rent out extra storage space such as garages or sheds. PeerSpace.com  – Rent out your space (home, backyard, loft, warehouse, etc.) for events, meetings, or photoshoots. Episode Page: GetRichEducation.com/581 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, talking about how I personally built and grew wealth myself with real numbers and real properties, what a rent freeze actually means to you, and how you could be losing income by not creatively generating more rent from properties that you already own. I'll talk about exactly how today on Get Rich Education.   Speaker 1  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:12   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:29   Welcome to GRE from Stonehenge, England to Stone Mountain, Georgia and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education. I visited Stonehenge and made, by the way, today I'm back for another incomprehensibly slack jawed performance here, still a shaved mammal too. Status hasn't changed. And remain profligate and unrepentant about the whole thing. You probably know it by now that if you're listening here and you want to learn and do things the same way that everyone else does things, then you are squarely in the wrong place. I really mean it more on that later. But you know, Wall Street doesn't scorn real estate because it's risky. They dislike it because it doesn't scale the way that they need it to private real estate can get messy, operational, illiquid. Every real estate deal is different. Every market has its own physics. You can't package it into a fund with a push button deploy strategy. And that's precisely the point. The modern financial system rewards frictionless products that trade constantly and generate fees instead building real, durable wealth has never been frictionless. Here's what the wealth distribution actually shows for the median American. 63% of net worth is in home equity and retirement accounts. For the top 10% that tier, 25% is in real estate and private business ownership. But for the top 1% that highest tier, 45% combined is in private business equity and real estate. So as you approach the top 1% it's more skewed toward owning a business and directly owning real estate. Wall Street, they only offer derivative exposure to real estate through mega funds and REITs. But exposure isn't ownership. Your best risk adjusted returns live in the deals that are too small and too messy for institutions to touch, and that's where your yield lives. The control, the opportunity, the world's enduring fortunes weren't built just by buying exposure. They were built by owning things, land companies, assets that require some sweat to get them going. The next decade favors owners over allocators, the stuff that pays you perpetual dividends. So the irony is that the very things Wall Street avoids the messy hands on part of real estate. Oh, well, that's what makes it such a powerful wealth builder. And see, even, as we somewhat found out last week when we talked about AI property management here on the show, you can't fully automate relationships or construction or management, but that friction is exactly where the margin lives. What makes real estate frustrating for institutions is exactly what makes it valuable for operators and long term owners like you and I. It's the nuance, the inefficiency and the need to actually. Know something about a market, rather than just model it. Wealth that lasts comes from assets that you can influence, not just monitor, and that is the difference between you having mere exposure and true ownership. You can't outsource legacy, the messy path of ownership is often where meaning in real freedom is found. You've got to tend to the garden somewhat, whether your properties are professionally managed or self managed, but some people get overwhelmed if they're asked for a log in and a password, even we all know that feeling somewhat well, then they stay metaphorically logged out of success. Think about how easy remotely managing your real estate portfolio is today. Sheesh 200 years ago. There was no anesthesia. We had smallpox, brutal physical labor, no electricity today. What if a website tells you that you've got to reset your password? Oh my gosh, is the deal often just overwhelming? Can you imagine the effort now, two weeks ago, I mentioned to you that I went back and visited the first piece of real estate that I ever owned, that seminal blue fourplex. But did I ever tell you how I grew that seed into a massive real estate portfolio, and how you can do it by following GRE principles? Let me take you through the early steps here so you can see how you can get something similar going. Of course, your path will look different, but this is going to spawn a lot of ideas for you. I think you already know about my 10k to 11k down payment into that first ever fourplex as the FHA three and a half percent down. Owner occupied, but I didn't buy another piece of real estate for over three years, because real estate just was not that driving thing in my life yet. So I lived in one of those really modest four Plex units longer than I had to three plus years after that, I moved out to a pretty modest, still single family home five miles away, that I had just bought. And since I vacated one of the four Plex units in order to do that. Now, I had four rent incomes instead of three. But here is really the pivot point with what happened next. Now, what would most people do? They might hold on to that four Plex, keep self managing it, and when they could, perhaps aggressively, make principal payments, getting the building paid off before its organic 30 year amortization period. And then what else would they do once it was paid off? Say that would take them 12 years, which would entail a lot of sacrifice, like working overtime at their job and skipping vacations. Oh, they think something like, Oh, now the cash flow is really going to pour in with his paid off fourplex? Yeah, it sure would increase a lot, but after 12 years of toil and sacrifice cashflow off of one fourplex still wouldn't even let you quit your job. Staying small doesn't work, plus you live below your means for a really long time that is sweat and time that you're never going to relinquish. You started working for money. Rather than letting other people's money take over and work for you, it is right there waiting to do that for you. So instead of that path, what I did is when equity ran up in that first fourplex building. Its value increased from 295, to 425, in three and a third years, I did exactly the opposite. I borrowed the maximum out of that first fourplex building, 90% CLTV, and used those tax free funds. Yeah, tax free funds, when you do that to both spend money, well on vacations and make a 10% down payment on a second fourplex building that costs 530k now I'm still living in the single family home while I've got the two fourplex buildings, both with 90% loans on them, still cashflowing A little so eight rent incomes, more debt than I ever had, 10 to one leverage on two fourplexes, and this was all less than five years from the time that I bought the first fourplex. And yes, it probably took some password resets in there. Then next I learned that investing in only one Metro, which is what I had done to that point, that's actually pretty risky, because all eight of my rent incomes, plus my own primary residence, were exposed to the whims fortunes and misfortunes of only one economy. This was in 2012 now, so I started buying turnkey single family. Rentals in other economies that make sense. Investor advantage places is what you've got to look for, Florida, Texas, Ohio, Alabama, Tennessee. My first turnkey was bought in the Dallas Fort Worth metro. I know I've told you that before, all right, but how was I buying more even though I was still working a day job in a cubicle for the D, o, t. Well, it wasn't from my job, because that job is working for money. What it was is borrow tax free and grow, borrow tax free and grow, borrow tax free and grow. By then, enough equity had accumulated in the first two fourplexes that I traded, one for an eight Plex and the other for an 11 Plex. Now we're getting up to $3,500 of monthly cashflow at this point, which is probably 5k plus per month in inflation adjusted terms. And the 8plex cost 760k and the 11 Plex cost 850k back then, and I still remember that that was a big day for me back then, those buildings closed on either the same day or on consecutive days. I forget. Well, that was 1.6 million in purchases. Maybe that's two to two and a half million in today's dollars. And see that is sure more than what one paid off fourplex would have given me on that old slow track, yet I had all of this faster than waiting 12 years to aggressively pay off one fourplex. And you know, some could say back at that time, they would look at that situation from the outside and say, Keith, where did you get the money to make 20% down payments on that 1.6 million worth of real estate, that is 320k cash? Did you save up all the money? No, I didn't. I didn't have the ability to save that much money at my job. Did you use your existing properties like ATMs, raiding one property to buy another. Yeah, that's exactly what I did. That is the use of other people's money that is wiser than spending my time away from loved ones by selling my time for dollars that I'm never going to get back. And by the way, I have always been the sole owner of properties. No partners here. Now, at this point, I've got dozens of running units spread across multiple states, all professionally managed. And by the way, eight doors is the most that I've ever self managed, because I got professional management involved after that. Oh, there are a ton of lessons in there about what I just told you, many of them, which I've sprinkled through more than 500 episodes now, but now that I told you where I came from, do you know the lesson that I want to leave you with here on this one, for the most part, it's that I'm not even using my own money to do this now, I did add some of my own money for down payments. Sure, by far the minority portion, primarily and centrally. I keep leveraging the bank's money, and they make the down payment for me on the next property. Borrow tax free and grow, borrow tax free and grow, borrow tax free and grow. Yes, the pace of you doing this is going to fluctuate over time, but that is the playbook that I just gave you right there. Now I've done it in cycles that feel slower because appreciation is lower, but interest rates tend to be lower during those times. And I keep doing it in cycles that move faster because appreciation is higher and interest rates tend to be higher during those times. I've done it when lending was loose, like pre Dodd Frank, and I've done it when lending was tight and inflationary. Times supercharged this whole thing. Sooner than later, you would rather get $5 million worth of real estate out there under your belt, all floating up with inflation and appreciation, not just $1 million worth, $1 million worth, that's more like sticking with one fourplex and trying to pay it off. Anything worth doing, anything in your life is worth doing. Well, look, other people's money is still available to me and to you. So using my own money back when I was an employee, I mean, that's exactly when I would have had to trade more of my finite time for dollars and see, that's what the masses do, and that's precisely what keeps them as the mediocre masses. I really mean it. Now, I wanted to make things real for you with that soliloquy.   Keith Weinhold  14:47   Later today, I'll discuss the GRE principles. Did that formative story spawn? A few weeks ago, it made substantial news inside and outside the real estate world that Zohran Mamdani was elected to be the next New York City Mayor. His first day on the job will be the first of the coming year. And actually, it's easy for you to remember how New York City mayoral terms work, because it is the same as the President of the United States. Each term lasts four years, and they can serve up to two consecutive terms eight years. Let's you and I listen into the audio from this short video clip together. This Mamdani campaign spot ran back before election day, but it tells you what he stands for and where he's coming from with regard to rent. In a slightly corny way, the ad shows various tenants popping their heads out of apartment windows and such, saying like, Hey, wait, what? You're going to freeze my rent?   Speaker 2  15:50   I'm Assemblyman Zohran Mamdani, and I'm running for mayor to freeze the rent for every rent stabilized tenant.   Unknown Speaker  15:57   Wait, you're gonna freeze my rent?   Speaker 3  15:59   Yes, did I hear rent freeze?   Speaker 4  16:02   Yes, this guy's gonna freeze the rent. No. Pike none. This guy's gonna freeze the   Unknown Speaker  16:09   rent. It's true.   Dani-Lynn Robison  16:12   As your next mayor, I will freeze your rent paid for by Zoran for NYC.   Speaker 5  16:17   The banner at the end of the ad reads, Zoran for an affordable New York City. Oh, yeah, slogans like that are so catchy for anything. All right, he says he's going to freeze the rent for every rent stabilized tenant. And rent control and rent stabilization, they mean very similar things, ceilings on the rent. I'm soon going to tell you what I think about that, and I've got more on Mamdani shortly, but it's not going to be political This is not that kind of show. This is an investing show. I think that even our foreign listeners know how big and influential New York City is. It's not the political capital, but it is the capital of so many things in the United States, it's America's largest city by far, eight and a half million just in the city proper, 20 million in the metro. And New York's growing in sheer number of people. The Metro gained more population than any other city, almost a quarter million people added just last year, even if you doubled the population of the second largest city, LA, New York City would still be larger. All right. Well, how did we get here? A quick story of New York City rent control is that in 1918 New York City passed its first flavor of rent control, and that was the first US city to do so that didn't solve the problem. So in 1943 Congress passed the emergency price control act, and its name implied a temporary patch during World War Two. But even after it expired, and even after the war ended, New York State chose to make it basically permanent in 1950 that didn't solve the problem. So in 1962 New York state passed a law allowing cities to enact expanded rent control if they declared a, quote, housing emergency. Well, New York City did, and that housing emergency has essentially continued unresolved. Still, what they consider an emergency condition persists today, yeah, all these decades later. I mean, really a what, 60 to 70 year long emergency condition that didn't solve the problem. So in 1969 new york city passed what they called rent stabilization. It's really just a new flavor of rent control, and this greatly expanded the number of properties that were subject to these rent regulations. And about half of New York City's apartments are subject to that law that didn't solve the problem. So more expansion and more tweaks of regulating the rent were made in the decades that followed. You had notable ones in 1997 2003 2011 in 2015 but none of them solved the problem. So in 2019 New York expanded rent stabilization to include what they call vacancy control. Now what that means is rent caps are now applied to new renters, not just those existing tenants renewing a lease, and it also granted more tenant protections that didn't solve the problem. So in 2024 New York State passed what they call good cause eviction. That is a third expansion of rent regulation in these tenant protections. This time, they just gave it a slick name, kind of apropos of Madison Avenue's famed market. Marketing prowess. I suppose that didn't solve the problem. And by the way, rent caps came in below not only the rate of inflation, but also below household income growth almost every year over the last decade, and in some years, no increase was allowed at all. That is a rent freeze. But that didn't work either. And meanwhile, New York's public housing agency has 80 billion in deferred maintenance needs, and it's running a $200 million plus operating deficit. So government run housing that hasn't worked either. All right? Well, that brings us to 2025 where New York City is electing a mayor who campaign on freezing the rents and expanding public housing. So New York City now has, for over a century, chosen to expand and rebrand these ideas that just haven't worked, and yet they keep coming back for more and yeah, what exactly is the word for doubling and tripling and quadrupling down on ideas that have proven not to work? Is that word stupidity? Hmm, so throughout that history that I just brought you from 1918 whenever I say that didn't work, what do I mean by that? And here's the big takeaway for you. What I mean is that rent control hasn't worked in New York City because it discourages landlords from maintaining rental housing, and certainly from building new rental housing. So what that does is that it shrinks the supply over time When demand exceeds supply, you know what happens to price? And in Manhattan, just the studio apartment now averages $4,150 and the average rent citywide, that's Manhattan, Brooklyn, Queens, the Bronx and Staten Island, which does include some rough areas in this average rent is $3,560 so as a result, what really happens here is that rent control helps a few lucky tenants while driving up rents and then worsening the shortages for everyone else. So what is the solution here? It is simple. Actually do less. I mean, isn't it great when you can solve a problem in your life by actually doing less? Yeah, drop the regulations against building and drop all forms of rent control, that way we'll have more building, and with higher supply, natural price discovery could take place. So he says he's going to freeze the rent for every rent stabilized tenant. And you can start to understand why we don't discuss investing in New York City Housing very much on GRE what we do. We talk about it as a model of what not to do. The good news is that I don't have any evidence of rent control spreading into the investor advantage areas that we talk about here, like the southeast and the south central part of the United States and the Midwest. But here's the thing, just ask yourself this question, what if there was a force imposed on you by popular vote that froze your income. Okay, I'm talking about no matter what you do from work you're a software engineer, a doctor, a nurse, a paralegal, a carpenter. Would you think that was really unjust if your profession were singled out, and then voters said, hey, no more raises for you. We don't care if there's inflation, we don't care if you're getting better at your job. We don't care if you have rising expenses. We're going to put a cap on your income. How would you like that? Well, look, in New York City, they're voting for landlord's income to be frozen. They are singling out one profession, and these are really important people. These are the housing providers. So by the way, I've heard two people describe New York City mayor elect Zohran mandami. Is a good looking man? Is he good looking? I had to go look again. When people said this, I guess he's not bad looking. And hey, despite being a heterosexual male, I can say that some guys are good looking. I just never thought that with him.   Speaker 5  24:32   Now, do you have one friend kind of have that type of friend who always just seems to know what's happening in the housing market? Well, that person could be you. There is a way to do that. Boom, it's easy, and you're going to sound smart without reading a single boring, fed report. I don't sell courses. I don't wear sunglasses indoors, and I definitely don't tell you. To flip houses on Tiktok. I just talk here, and I send you a smart, short real estate newsletter. That's it. This is smart stuff that you can brag about at boring dinner parties, and you've got a lot of those coming up here at the holidays. It is free. I write our letter myself, and I'd love to have you as a reader, sign up at greletter.com it's quick and easy. Your future wealth will thank you for it. See what I did there. It takes less than three minutes to read, and it is super informative. GREletter.com Again, that's greletter.com, I've got more straight ahead.    Keith Weinhold  25:45   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why? Fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly again. 1-937-795-8989   Keith Weinhold  26:57   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Dani-Lynn Robison  27:30   this is freedom family investments, co founder day. Lynn Robinson, listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  27:37   welcome back to get reciprocation. I'm your host. Keith Weinhold, earlier this year, I talked to you about new ways where you can generate more income from the properties that you already own, and doing that through peer to peer leasing platforms, I got feedback from you that you loved it when I talked about it on that episode. Well, I've got more of them to tell you about today. This is exciting. Is there money sitting right under your nose and you haven't even collected it yet? And sometimes this happens in the world. This has nothing to do with finding Uranus, but it is similar to how they just discovered a new moon of Uranus, even though it's only six miles wide. Yes, that's something that scientists recently discovered, yes, much like this new small moon of Uranus that was really always there, but just discovered, metaphorically, this is what we're talking about with your real estate here now. This is a lot like how Airbnb rattled the hotel world about 15 years ago. These platforms let you rent out space and amenities that you already own but barely use. Neighbor.com, is the first one. I'm not going to say.com every time, because most of them are that way, and they've got a mobile app of the same name, all right, neighbor that's like Airbnb for your garage or your basement or even that creepy crawl space that you never go into. So instead of letting junk collect dust, you rent out your unused space to people who need that storage, meaning then that their clutter pays your mortgage. So customers request space and then you approve it. That's how it works. In fact, we have a woman here on staff at get rich education that easily made about 1000 bucks personally on neighbor, she rented out a parking space in her driveway. She rented that space to a college student that needed a place to park her car while she went back home for the summer. You can easily do that too. Then there. Swimply, S, W, I, M, P, L, Y, rent out your pool by the hour. Yes, your pool is no longer just for cannonballs, awkward barbecues and tanning sessions that you regret, although not typically, I've read about how some people have made passive income streams of $15,000 per month this way. I mean, gosh, did Marco Polo just get turned into a side hustle? Or what that is, swimply. Then there is store@myhouse.com Do you have an empty closet or an attic? You can turn that into a treasure vault for stranger stuff, and you can get paid while their clutter hides in your home instead of their home. So think of it as maybe some pretty passive income, only dustier, and who even lives there in your attic right now? Anyway, a bunch of raccoons. They're not paying your rent again. That is called store at my house. Sniff spot. It turns your backyard into a private dog park. Yeah, local pet owners can book your yard by the hour to let their pups run and sniff and play. You provide the grass. They bring the zoomies, and you pocket the cash that is sniff spot, Pure Storage. That one is a.co when people need storage, you swoop in like a friendly capitalist neighbor with your extra space. So you rent out your garage or a shed, or, say, even a corner of your basement, and you watch empty become income, you are basically running a mini Self Storage empire without the neon sign. I mean, sheesh, you are kind of like Jeff Bezos with cobwebs here. Okay. Again, that is purestorage.co, then there's peer space. Now I've used this one before, personally, and so has someone else here on staff on GRE she actually told me about it. What I did is I paid for a few hours as a renter, not the landlord on peerspace. In fact, I rented this space this past summer to give an in person real estate presentation where I covered real estate pays five ways and the inflation triple crown and all of that with peer space, you rent out your space for events, okay, so your home or your backyard or loft or some funky warehouse, you rent that out by the hour, and those events could be film shoots or workshops or parties or other events. That's what peer space is for. I mean, that could be a cool backdrop for an influencer or a film crew that has a pretty big budget. Renters come to you with alacrity. They will come to you because they can often save 50% or more versus using more traditional avenues. There, in fact, even public storage, like that's the company name Public Storage. They're the nation's largest self storage space operator. They even use neighbor.com to help lease out their leftover inventory. And so do some REITs that have extra space at their office or retail or apartment properties. They use neighbor.com as well. All right, so that's my roundup of more peer to peer leasing platforms, a few more of them than I told you about earlier this year, and the types of listings you can get creative. People are getting creative. They are monetizing everything from empty barns to vacant strip mall storefronts to church parking lots. I mean, consider how often church parking lots are empty. They're empty almost every day except Sunday. So get creative and think about space that's not being used. One thing to look out for, though, is that your HOA might try to crush your entrepreneurial spirit here. So keep that in mind. Just look around. Do you own any underutilized space or asset that you can rent out. Well, chances are there's already a peer to peer rental platform for it. And when you visit any of these platforms that I told you about, I mean, you're probably already going to see people offering space in your neighborhood. You'll be surprised.    Keith Weinhold  34:39   And this is not some unproven fad. Turo really took off about 10 years ago when they realized that most Americans' cars just sit idle, more than 95% of their time in their driveway or in their garage. Well, at that point, everyday people started to lease out their cars. Cars on Truro. So the bottom line here is that if you own most any real estate, then you've got options, and you can often make the rules peer to peer. Leasing platforms add new income streams to your life, and if you read my Don't quit your Daydream letter, you'll remember that I wrote about those resources and gave you their links and everything. See, that's the type of material that I put in the letter sometimes and again. You can get it at gre letter.com It shows you how to build wealth, much like I've been talking about on the show today. This is vital, because the conventional consumer finance world, you know, they just don't tell you about things like this. For example, did you ever wonder why economists aren't rich like maybe you would think that they would be Well, it's because schools and universities, they don't really teach you how to make money so someone can have an advanced degree, a Master's, or even a doctorate. That degree will be in finance or in economics, but they're still broke, or they're still trapped by their job, because the only way they know how to make money is by having a job. There's nothing wrong with having a job, but that's the only thing they know. They never learn how to earn and multiply money like with what I've been discussing today. Economists make between 70k and 180k per year in America today, you know, school taught both us and them the theory of money, how it's counted, how it's tracked, and how it flows through the system, but it really didn't teach them how to build a little diverter device on that flow to earn it or create it or leverage it to build freedom for themselves. And that is why this show is here. That's not a knock on economists. Economists are brilliant people, and some of the best known ones are guests on the show here with us. At times, we don't just want to live in a world of models and charts, though, when you build real world wealth with mortgages and markets and moves that don't always fit inside a formula, and certainly not a conventional one that you grew up with. So when you hear the experts talk about where the economy's heading, sure listen to them. I listen to them, but be sure to apply that to your own balance sheet, because you don't build wealth in theory, you build it in real life.    Keith Weinhold  37:44   Then how do you get a good deal? Build a relationship with a GRE investment coach like Naresh. Here you can do that on just 130 minute call with him, and then when the deal that you want becomes available, he'll let you know. By the time you find something on the internet, it's going to be too late, because that means a lot of people have already passed on that deal. If it's already out there publicly, like I said earlier, if you want to learn and do things the same way that everyone else does, then you are squarely in the wrong place. I really mean it. And why would that be? In fact, what does everyone else have? Not enough money at the end of the month, a budget where they constantly have to make sacrifices to meet it, because they think that is the way and they live below their means instead of grow their means. The underlying philosophy here at GRE is, don't live below your means. Grow your means. In fact, we have a T shirt with Grow Your means on it and our logo on it in our merch shop. That's why GRE has a tree in the logo. Grow your means. Instead of shrinking your lifestyle to fit your income, it's about expanding your income to fit your ambition, so don't cut your dreams to match your paycheck. Grow your paycheck to match your dreams. This really reflects the abundance mindset behind get rich education, that wealth isn't built by pinching pennies, but by creating more cash flow and assets and income streams in practical terms, like with what I talked about, about growing my own portfolio back at the beginning of today's show, this means buying cash flowing real estate that's growing your means leveraging good debt that's growing your means using inflation to advantage, that's growing your means investing in yourself or in new ventures. That's growing your means it's the mindset opposite of budget, harder. It is earn smarter at its core, grow your means. What that means is expand your capabilities in. Not just your comfort zone. Use creativity and leverage to multiply your results. View financial growth as a positive, proactive act, not a greedy one, because you're going to serve others with good housing and maintain it. This all encourages abundance over austerity, and it's the same idea behind the tagline financially free beats debt free.    Keith Weinhold  40:27   Thanksgiving is coming up this week, and I'll tell you something. Luckily, American ingenuity improved since the Pilgrims left England, traveled to a totally new continent, and called it New England. Fortunately, we have become more innovative since then, you are about to have more topics for conversation with family at the holidays. And note that Gen Z, ages 13 to 28 they are more likely to talk money today than they did previously. They are kind of the share everything on social generation. Tell relatives about your real estate investing, or at least some of the ideas you have. Tell them, perhaps something that they would be surprised to hear, that you learned on this show, like mortgage rates are, in fact, historically low today, actually, or something like that. And at Thanksgiving or Christmas, please tell a friend about the show. GRE is the work of my life, and that would mean the world to me. If you like listening every week, tell a friend about the show. Now use the Share button on your podcatcher if this show helps you see money or real estate differently. On Apple podcasts, touch the three dots and then the Share button. On Spotify, I think you can just hit the Share icon, the little rectangle with the arrow, and post it to your social feed or social story. That's how more people learn how to build real wealth like we do here at GRE and even better, Don't hoard the good stuff. If you learn something here, engage in the nicest kind of wealth redistribution. Tap the Share button right now and text this episode to one friend who'd appreciate it. Until next week, I'm your host, Keith Weinhold, have a happy Thanksgiving, and don't quit your Daydream.   Speaker 6  42:29   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  42:57   The preceding program was brought to you by your home for wealth building get richeducation.com

0:00 Intro 0:07 ATM hack 2:30 Salad 3:29 Game night 6:57 Drugged 8:03 Sparkle 9:51 Allergy 11:22 Not fired 12:11 Late fees 14:28 Debt Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textToday, Alaska state house Representative Zack Fields published an op-ed in the Alaska Current called: “Look at the Criminals who Donald Trump is pardoning.” The article explores pardons related to cryptocurrency. In Anchorage we have at least 3 crypto ATMs where folks can deposit cash and purchase crypto or sell crypto and withdraw cash.Cryptocurrencies are essentially digital money. From the very start, crypto has been an attractive investment for drug dealers. This is for several reasons: 1. Its pseudo-anonymity – cryptocurrency wallets are identified by a string of numbers and letters, not names. 2. Their decentralization – crypto transactions don't rely on banks and those transactions can be performed without receipts – this reduces oversight from traditional financial institutions and law enforcement. 3. Large scale International transfers are much faster than through traditional banks. This enables criminal enterprises, like drug cartels, to move huge sums of money anywhere in the world almost immediately. 4. Cryptocurrencies like Bitcoin are the primary mode of payment for dark web market places where folks can purchase hacked personal information, drugs, and other illegal goods. Alaska Congressman Nick Begich is a big fan of Bitcoin. And according to reporting by Liz Ruskin at Alaska Public media he's made a lot of money from it, turning a small investment into an asset now worth around $760,000. he's the  sponsor of a bill in congress that would make the United States a crypto owner. Begich's Bitcoin bill is similar to an executive order President Donald Trump signed in March, creating a “Strategic Bitcoin Reserve.” Begich has described it as a place to store wealth that would be similar to the U.S. gold reserves.The Trump family created a crypto business in 2024 called World Liberty Financial. In April of this year, President Trump ordered the disbanding of a Department of Justice crypto crime investigations team. In May, Binance, the largest cryptoexchange in the world, invested $2 billion in the Trump crypto enterprise. And just 3 weeks ago, Trump pardoned Changeng Zhao the founder of Binance who was serving a sentence after pleading guilty to money laundering charges – his company has laundered huge sums of money for Hamas and Al-Quaeda.

Cambridge Dictionary’s 2025 word of the year? Parasocial. People are now having parasocial relationships not just with celebrities, but with AI. Donate to our 15th Annual PastaThon for Caterina’s Club at www.KFIAM640.com/pastathon! No more secrets, it’s the big reveal: The Epstein Files are coming out! Wannabe homebuyers under the age of 40 are getting completely hosed, with 85 trillion in wealth in the hands of Boomers. Elon Musk holds 1% of all Gen X wealth. In 1975, the nationwide average for a home was $42,000. Mortgage rates are now so high that Gen Z and some Millennials can’t afford to buy a starter home. Boomers are holding most of the housing equity. There’s a new online dating scam that uses bitcoin ATMs in which you insert your own money to buy bitcoin. Some people have lost their life savings due to this scam.See omnystudio.com/listener for privacy information.

In space, nobody can hear you commit bank fraud. This was the case for an astronaut and her estranged wife and we want to know...are there ATMs in outer space? And if you spot a thing that shouldn't be, send it in to janesays@civicmedia.us and we might use it on the show! So join us Monday through Friday at 11:52 a.m. for “This Shouldn't Be A Thing!” or search for it on Spotify, Apple or wherever you get your podcasts.  And thanks for listening!

Buc-ee's is the top U.S. quick-service restaurant in a Dunnhumby retailer preference index. SNAP recipients will need to reapply for eligibility to cut fraud and waste. And Royal Farms is partnering with Bitstop to offer cryptocurrency ATMs in its convenience stores.

$15 Billion crypto seizures, SouthEast Asia scam compounds with thousands of victims and the life savings of hard working professionals being wiped out by transnational criminal organizations. In this episode, Andrew Fierman (Head of National Security Intelligence, Chainalysis) and Erin West (Founder, Operation Shamrock), don't hold back in sharing the nuances of pig butchering, national security and everything to do with crypto sanctions and victim support.  Erin describes the comprehensive scam strategies and shares her perspective as she travels the world and investigates steps away from some of the biggest scam compounds the industry has ever seen. Andrew emphasizes the enormous scale of financial operations linked to illicit activities, evidenced by the staggering figures tied to entities like Huione and Prince Group and the importance of cross-sector collaboration and proactive regulatory measures in mitigating these threats. Through real-life anecdotes and expert analysis, the episode provides listeners with a deeper understanding of the complexities and ongoing efforts to combat transnational organized scam networks. Minute-by-minute episode breakdown 2 | Introduction: Crypto Natsec and Pig Butchering 4 | Erin's Background in High Tech Crime 8 | Understanding Pig Butchering Scams 15 | Global Collaboration Against Organized Crime 18 | Gift Cards as a Money Laundering Tool 22 | Southeast Asia Scam Compounds 27 | Chen Zhi and Prince Group's Sanction Analysis 30 | Practical Advice on How Anyone Can Combat Pig Butchering 33 | Closing Thoughts and Resources   Related resources Check out more resources provided by Chainalysis that perfectly complement this episode of the Public Key. Website: Operation Shamrock: Educate. Mobilize. Disrupt: Stopping Scams Together Podcast: Stolen: A Podcast with Erin West Article: The Pig Butchering Lifecycle: Organized criminals use a highly scripted process and human trafficking to get as much money as they can from individual victims. Article: How scammers use crypto ATMs to launder millions from victims Blog: DOJ Seizes $15 Billion in Bitcoin as U.S. and U.K. Target Massive Southeast Asian Crypto Scam Network Blog: Five Key Takeaways from MSMT's Report on North Korean Cyber Operations YouTube: Chainalysis YouTube page Twitter: Chainalysis Twitter: Building trust in blockchain Speakers on today's episode Andrew Fierman (Head of National Security Intelligence, Chainalysis) Erin West (Founder, Operation Shamrock) This website may contain links to third-party sites that are not under the control of Chainalysis, Inc. or its affiliates (collectively “Chainalysis”). Access to such information does not imply association with, endorsement of, approval of, or recommendation by Chainalysis of the site or its operators, and Chainalysis is not responsible for the products, services, or other content hosted therein. Our podcasts are for informational purposes only, and are not intended to provide legal, tax, financial, or investment advice. Listeners should consult their own advisors before making these types of decisions. Chainalysis has no responsibility or liability for any decision made or any other acts or omissions in connection with your use of this material. Chainalysis does not guarantee or warrant the accuracy, completeness, timeliness, suitability or validity of the information in any particular podcast and will not be responsible for any claim attributable to errors, omissions, or other inaccuracies of any part of such material.  Unless stated otherwise, reference to any specific product or entity does not constitute an endorsement or recommendation by Chainalysis. The views expressed by guests are their own and their appearance on the program does not imply an endorsement of them or any entity they represent. Views and opinions expressed by Chainalysis employees are those of the employees and do not necessarily reflect the views of the company. 

We want to hear from you! Please complete our survey: 2025 ABC News Daily Audience SurveyYou may have noticed a crypto ATM in the corner of a shopping centre or in a convenience store. There are thousands of them, tapping into investor's interest around booming markets for bitcoin and other cryptocurrencies.But increasingly crypto ATMs are being used by criminals to launder money and to scam Australians out of millions of dollars.Today, business reporter Rhiana Whitson on why feeding cash into a crypto ATM can be so risky and why there's so little regulation of the market. Featured: Rhiana Whitson, ABC business reporter

Jana always tries to do the right thing, so when she receives a call from the sheriff's office stating that she missed jury duty, she panics. She thinks back to studying for her American citizenship exam and learning how important it is to respond to a jury summons. She doesn't remember receiving a notice, but the officer knows all her personal information and says she will have to pay a $9,000 bond or face arrest. Jana spends the next several hours driving from the bank to various crypto ATMs, trying desperately to meet the payment demands. When Jana discovers that it's a scam and calls 911, she learns that seven other people in her county were victimized the same day.

She left home to do some shopping and came home a hero! The mom of three was in a mall parking lot when she saw a cop chasing someone. The female suspect... Then jumped into a getaway car and sped off. And she would have gotten away ... But the mom actually told the cop to hop in... And they went off in hot pursuit. And the battle begins! New York City's newly elected democratic socialist mayor going straight for the president moments after winning. It was the biggest voter turnout in the city since 1969. And Zohran Mamdani wasted no time sending a message directly to the president.  Plus, they look like regular bank ATMs, but they actually convert cash into Bitcoin. But authorities say savvy scammers have found a way to misuse them to swindle seniors out of their life savings. And we all wish our dogs could live forever... But Tom Brady is getting some heat today after revealing his new pooch is a clone of the dog he lost two years ago.    To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Programming note: This is a mid-week programming interruption so everyone can pre-game for The Expo. We're sliding these Wednesday/Thursday drops in, and Sports Cards Live resumes on Friday. There will be no episodes next week on Wednesday/Thursday/Friday. Part 2 dives into on-floor tactics, vendor best practices, and the week's community events. We talk why price tags on the front of the card convert, how payment actually works in Canada (cash is king, e-transfer is common; PayPal/credit accepted by many), and simple fraud prevention (check ID, be mindful of stolen cards/tap limits). We also cover which Expo days deliver what, a quick autograph stage update (one guest shifts off due to scheduling), and how to prep: comfy shoes, anti-fatigue mats, and a big refillable water bottle. Plus: where to find ultra high-end vintage hockey on the floor and our exact spot. Highlights Dealer tips that help buyers buy: price tags on the front, be present, keep conversations easy Payments 101 (Canada): cash, Interac e-Transfer, many vendors with Square/Stripe/Clover; ATMs on site get refilled Fraud prevention: verify ID on larger credit transactions; be cautious with tap limits Days & pace: why Thursday/Friday are prime hunting; how Saturday/Sunday feel different for deals and mobility Autograph stage update: one signer off due to schedule; others still on deck What's on display: ultra high-end vintage hockey in a major vintage booth; our own showcases priced, binders unpriced but deals are happening Events week at a glance: Wed: pre-show trade night (near Yorkdale) Thu: industry meet-up with giveaways/appies (minutes from the venue) Fri: VIP appreciation inside the building, a stand-up comedy show nearby, and a community rip party Sat: Mint Inc. trade night (proceeds to Mackenzie Health Foundation for mental health) Fun extras: eBay's on-site gaming zone; big-booth raffles and activations; giveaway for a Matthew Knies game-used signed stick Collector talk: when buying without COMPs actually works; IP autos vs. game-used signatures; why in-person hobby time beats pure screen time Find us: Booth 1707—come say hi, flip through the binders, bring your trade box, and let's make some deals. Subscribe/follow so you catch this mid-week pair before showtime. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this conversation, Aidan Larkin sits down with Rich Lebel, Director of the Transaction Record Analysis Center (TRAC), to unpack the strategies law enforcement uses to stay ahead of digital money laundering and crypto-enabled fraud. They examine sophisticated laundering schemes, the rise of crypto ATM fraud, and the challenges of cross-border investigations, highlighting why collaboration, training, and accountability are essential for effective asset recovery. Timestamps00:00 – Introduction and Background 03:00 – The Birth, Mission, and Growth of TRAC 08:57 – Data Collection and Its Implications 11:57 – The Rise of Crypto ATMs and Fraud 17:57 – Law Enforcement Challenges and Future Directions 33:05 – Regulating Bitcoin ATMs and Crypto Transactions 41:46 – International Cooperation and Training for Law Enforcement About our Guest Rich Lebel leads the Transaction Record Analysis Center (TRAC), using global money transfer data to support law enforcement in tackling money laundering, crypto-related fraud, and other financial crimes. With over 20 years in complex criminal investigations, he provides training, analytical insight, and champions international cooperation in asset recovery. Key Takeaways Origins of TRAC: TRAC was established following a settlement with Western Union, creating a centralised resource for law enforcement to access transactional data. Role of Data Analysis: Analysing transactional data helps law enforcement identify crime patterns, trace funds, and anticipate emerging threats. Evolving Money Laundering Tactics: The rise of crypto ATMs and digital assets has changed how criminals move and layer illicit funds, requiring new investigative approaches. Challenges with Crypto ATMs: Crypto ATMs are frequently used for fraudulent activities, yet regulatory oversight in the US remains limited. Importance of Data Sharing: Collaboration and data sharing between agencies are critical for effective investigations and adapting to rapidly changing criminal tactics. Training and Awareness for Law Enforcement: Continuous training and awareness are essential for law enforcement to tackle new technologies and sophisticated money laundering methods. Adapting to Criminal Innovation: Criminals are evolving quickly to evade detection, making proactive strategies and technology adoption vital for asset recovery efforts. Resources Mentioned Webinar: The Hard Truth About Asset Seizure Crypto Training on Asset Reality's Academy TRAC on the Wall Street Journal Tornado Cash Case Miles Johnson on Seize & Desist Stay Connected Dive deeper into the world of asset recovery by subscribing to Seize & Desist. Disclaimer Our podcasts are for informational purposes only. They are not intended to provide legal, tax, financial, and/or investment advice. Listeners must consult their own advisors before making decisions on the topics discussed. Asset Reality has no responsibility or liability for any decision made or any other acts or omissions in connection with your use of this material. The views expressed by guests are their own and their appearance on the program does not imply an endorsement of them or any entity they represent. Views and opinions expressed by Asset Reality employees are those of the employees and do not necessarily reflect the views of the company. Asset Reality does not guarantee or warrant the accuracy, completeness, timeliness, suitability or validity of the information in any particular podcast and will not be responsible for any claim attributable to errors, omissions, or other inaccuracies of any part of such material. Unless stated otherwise, reference to any specific product or entity does not constitute an endorsement or recommendation by Asset Reality.

Vitaliy Gnezdilov is the co-founder of Raise Ready Systems, a capital-raising platform helping real estate operators attract six- and seven-figure checks through paid social campaigns. With a background in user experience design, Vitaliy blends creative branding with performance marketing to help sponsors scale beyond friends and family capital. He has raised over $40M alongside strategic partners and formerly worked at CrowdStreet to streamline investor acquisition and conversion at an enterprise level.     Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here.     Key Takeaways Social media can drive serious capital—but only if you build trust, credibility, and speed into your funnel. "Speed to lead" is the difference between a committed investor and a missed opportunity. Avoid pitching too early—use the first call to understand investor goals and qualify the fit. Human touchpoints (real calls, manual follow-up) outperform automation when raising large checks. Sophisticated investors do respond to ads—if you tailor your messaging and sales process to their needs.     Topics From UX Design to Real Estate Capital Vitaliy began his career in software and UX before partnering with a high school friend in advertising. Together, they leveraged design and paid traffic to raise capital in exchange for GP equity. Worked with sponsors across multifamily, mobile home parks, and ATMs—raising $40M+. Building Raise Ready Systems Created a framework to generate investor conversations using paid ads and optimized funnels. Emphasizes "speed to lead" and relationship-building, not just lead generation. Most clients aim to raise $1M/month per investor relations rep using his system. What Actually Works in Paid Campaigns 15–20 ad hooks are tested at launch; funnel must earn attention seconds at a time. Webinar funnels often fail due to lack of contextual awareness—must match platform behavior. Content and UX must be laser-targeted; the platform algorithm does the rest. Human Touch vs. Over-Automation Raise Ready added an appointment-setting team that calls leads within 5 minutes. Human contact builds credibility before handing leads to IR teams. Created diligence packets and follow-up sequences to support investor conversion. Common Mistakes Operators Make Lack of sales process is the biggest bottleneck—not lead volume. Founders often pitch too early; better to listen, qualify, and align investment opportunity. Raising from strangers is a different game than friends and family—adjust your approach.    

On today's episode, Dr. Mark Costes is joined once again by Troy Eckard, CEO of Eckard Enterprises, for a deep dive into how dentists can strategically manage the proceeds from selling their dental practices. With over $1.1 billion in assets under management and nearly four decades of experience in domestic oil and gas, Troy brings unmatched expertise in alternative asset investing.   This episode focuses on what to do when a large liquidity event—like a DSO buyout—leaves you with millions to allocate and big tax consequences to consider. Mark and Troy break down a hypothetical case study, walking through how to protect, grow, and optimize that capital with working interests, mineral rights, and class-A real estate. They also explore the dangers of common investment traps, like ATMs and conservation easements, and why tax strategy should start with worst-case scenarios. Whether you're looking to offset W-2 income, replace previous EBITDA, or simply avoid bad deals, this episode is packed with practical, no-nonsense advice for high-net-worth dental professionals. Be sure to check out the full episode from the Dentalpreneur Podcast! EPISODE RESOURCES https://eckardenterprises.com https://www.truedentalsuccess.com Dental Success Network Subscribe to The Dentalpreneur Podcast

  Where in the world am I? In San Diego, talking about Machu Picchu Are there any tips to help me avoid being cheated or robbed while traveling? Yes, you can take precautions like removing your expensive jewelry before traveling and not carrying expensive purses or shoes. Don't look like a target. Look like you belong, and try not to stand out from the usual crowd. Check reviews of any Airbnb or turo car rentals you book. Be careful not to walk alone in the dark at night, as much as possible. Think of the odds whenever you go out. Please put them in your favor, not a criminal. If you like today's Confidence Challenge, my book series dives deeper into safety and security while traveling solo—link in description""  See Book A for addressing this challenge. You can find it on our website​​ at https://www.5stepstosolotravel.com/ or on Amazon; it's a several-part series. Today's special destination is: Machu Picchu, Peru. I finally got there, after so many years of wanting to visit. And I had a great time. I hope the same goes for you. Peru is a wonderful place, but you do need to be prepared, and I was. I t'ss almost always a good time to book your ticket to Machu Picchu. So book it now if you are planning it. There is a daily cap of 5600 people. Once you get there, it will be too late to reserve a ticket. You could get lucky, so if you're in an emergency, you may be able to obtain one from a broker, but that will incur an additional cost. I was delaying the purchase for a few weeks, and I'm glad I booked my tour three months in advance. The tickets are not expensive, but it may be a challenge to afford them. I found a travel agency, but they wouldn't accept my credit card over the phone, and when I tried to set up a Western Union money transfer, it was a terrible experience. I'll share that in my mistakes later on. https://www.ticketmachupicchu.com/ticket-machu-picchu-2019/ Machu Picchu tips and insights on the travel for you. Step What to do Tips & costs 1. Tickets (book now!) Buy on Tuboleto.c ultura .pe – choose Circuit 2B (Classic Lower Terrace) for the iconic postcard view with moderate stairs. Cost 172 PEN ≈ US $45. Sales for 2025 opened on 19 Dec 2024; the daily cap is 5,600, so June slots sell out early. Peru RailEl País 2. Train 06:10 Inca Rail or 07:45 PeruRail Expedition from Ollantaytambo to Aguas Calientes; arrive 08:30‑09:30. Sit on the left‑hand side for Urubamba River views. Peru Rail 3. Bus up Buy a Consettur round-trip ticket (US$24) at the kiosk the night before; the first buses roll at 05:30, with a 25-minute ride. Ticket to Machu Picchu   4. Entry window Aim for the 09:00–10:00 slot (good light, less 6 am crowd, still before midday haze). Passport, ticket & small day pack only. My ticket was in the afternoon, and for that it was great. It was hazy that morning, I was told.         6. Optional short hike Huchuy Picchu add‑on (easy 1 km, 30‑40 min, extra 48 PEN) – great summit photo without the steep drop of Huayna Picchu. Ticket to Machu Picchu   7. Lunch & return Picnic outside the gate (no food inside), stamp passport, bus down, 16:20 train back to Cusco (arr. 20:30), or stay one more night at Aguas Calientes if you prefer a slower pace.   Packing checklist: passport, printed tickets, layers (for cool mornings/hot sun), rain shell, 1 L refillable bottle (no disposables), DEET, sunblock, walking poles with rubber tips, cash for snacks & toilets (2 soles). Quick Tips for a Smooth Trip Book everything online in advance, including flights, trains, Machu Picchu tickets, and buses, to avoid lines and secure cheaper fares. Cash is still king in small villages—carry small bills; ATMs are plentiful in Cusco. Solo safety basics: use registered taxis (Taxi Beat or Cabify apps), avoid isolated beach areas at night, and keep photocopies of your passport in separate bags. Enjoy Peru's vibrant coast, Andean culture, and the wonder of Machu Picchu—then you'll be perfectly primed for Brazil's beaches a few days later. ¡Buen viaje! Hard to use Western Union for a payment to my travel expert. Very challenging. It didn't happen; I brought it in person to Cusco. Paid by CC in person, but not to the travel agent. She had to find someone willing to accept the credit card payment in another shop. It was both a great deal and a great pain. The total cost was only $275.Here's a breakdown of my trip to Machu Picchu Machu Picchu: My One-Day Experience (start/finish in Cusco) Timeline & logistics 03:00 woke up; 03:30 ready; 04:00 pickup. Bus from Cusco → Ollantaytambo, then train to Aguas Calientes (Machu Picchu Pueblo)—you even shared the carriage with a few actors. Reached town around 08:30 in the rain; explored, then rented a bathing suit and towel and relaxed at the hot springs (20 soles entry; 5 soles suit; 5 soles towel). Met Eduardo, my English-speaking guide from Cusco (now living locally). I treated him to tea before we got started. Noon: lined up for Machu Picchu entry; private tour from ~12:00–16:30. You tipped 50 soles—he was excellent. The weather shifted from rain to cloudy to sunny, perfect for walking among the ruins. Stats: ~48 flights of stairs and 6.4 miles walked; lots of steps. Afterward, enjoy a massage (~$20), a chocolate bar, and plenty of water before heading back to Cusco at around 11 pm. It was a long, but so valued day. What I saw & felt The town is small: church (Virgen del Carmen, where I said prayers), district offices, train stations, and police clustered together. Wildlife moments: five llamas, including a 3-day-old nursing and another 3-month-old—adorable. The scenery felt grand and expansive—it reminded you of Yosemite for its scale, but with open, terraced mountains rather than dense trees. Photos turned out great. You loved the entire experience and happily checked off another of the Seven Wonders of the World. Language tidbit from your guide:"'ach'= old, 'icch'= mountain. You noticed so many other peaks around the citadel. What I learned….. The tour weaved together the Incas' worship, daily life, food, farming practices (especially corn/maize), and burial customs—you noted that mostly women's skeletons were found in the areas you discussed with your guide. Inca history (brief context): The Inca civilization flourished in the 15th–early 16th centuries across the Andes, constructing extraordinary stone architecture and terraced agriculture without the use of iron or the wheel. Machu Picchu itself sat hidden in the mountains for centuries, its location contributing to its preservation until its 20th-century reintroduction to global attention. The expansive mountain range around the site made it feel concealed and sacred, "hidden for centuries," much like the aura people describe with Angkor Wat (your comparison). Small moments that mattered Tea with Eduardo (my treat) set a relaxed rhythm for the afternoon, and since it was raining, it gave me a chance to dry out. Hot springs soak before the ruins helped counter the early start and altitude. I loved that I could rent a bathing suit for the morning. That was a first. The hot springs were soothing and an unexpected pleasure. Bring your suit if you remember. Private guiding made the history feel personal and clear. I thought I would be in a group, but this was a private tour. One-line takeaway A long, early start bloomed into a perfectly paced day—rain to sun, hot springs to high terraces—guided insight, baby llamas, countless stairs, and a deep, peaceful sense of awe among the Incas'""old mountain" Connect with Dr. Travelbest 5 Steps to Solo Travel website Dr. Mary Travelbest X Dr. Mary Travelbest Facebook Page Dr. Mary Travelbest Facebook Group Dr. Mary Travelbest Instagram Dr. Mary Travelbest Podcast Dr. Travelbest on TikTok Dr.Travelbest on YouTube In the news  

This week on The Fin, Lucy King and James Eyers on Australia’s crypto ATM boom, how they are being used for investment scams and why Australia is being targeted.This podcast is sponsored by Salesforce Further reading: ‘Devastated’: How I lost $500k in a crypto ATM scamMary, 85, is one of thousands of victims of Australia’s boom in crypto ATM’s, which suck in $275 million a year, and are the “getaway cars” for scammers. Consumers, banks urge outright ban on crypto ATMsHome Affairs Minister Tony Burke will give AUSTRAC powers to restrict the machines, but consumer groups say this won’t stop the danger to older Australians. Labor to crack down on crypto ATMs amid scam surgeNew powers will be handed to regulators to restrict the use of crypto ATMs, which have become a hub for scams and illegal money laundering.See omnystudio.com/listener for privacy information.

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featured  Amazon just announced one of its biggest layoffs in years—and AI is partly to blame. In this episode:Why 14,000 corporate jobs vanished (and it's not just AI)How “creative destruction” drives progress—and always hasWhat Obama got wrong about ATMs and automationWhy DEI and HR roles are first on the chopping blockThe one rule for job security in the AI era: make yourself indispensableTech doesn't end jobs—it transforms them. The question is, are you adapting fast enough?

America seems to be more divided than ever before. But why is that? Is it because of leadership? or algorithms? or social media? In this episode of Founder Talk, I sit down with Mike Nellis, founder of Authentic and creator of the viral Substack Endless Urgency, to dig into how technology, money, and incentives are shaping modern politics — and what's really broken about the system. Mike shares his journey from working on the Obama campaign to raising over a billion dollars online through digital organizing and political fundraising.We don't just talk about politics. We challenge it. Mike believes algorithms and billionaires are driving division, but I push back on whether that's the full story. We get into how personal responsibility, leadership, and culture play a bigger role than most people want to admit.We also dive into why campaigns treat voters like ATMs, how Obama and Trump both understood timing and authenticity better than anyone, and what founders can learn from the most successful (and chaotic) campaigns in history.You'll learn: ✅ Why political fundraising feels broken — and what it reveals about business incentives ✅ The role algorithms play in shaping culture, and where accountability really belongs ✅ Why building trust beats chasing outrage in both politics and business ✅ How to lead through division, pressure, and public scrutiny ✅ What founders can learn from political campaigns about storytelling, timing, and convictionIf you've been searching “how social media shapes politics,” “why America feels divided,” or “the business of political fundraising,” this episode gives you the unfiltered truth — no spin, no talking points.Connect with Mike Guest LinkedIn: https://www.linkedin.com/in/mikenellis/Guest Website: https://endlessurgency.com/Want a behind-the-scenes look at how we run the show and the chance to ask upcoming guests your questions? Join the Founder Talk Club in WhatsApp.(it's free): https://chat.whatsapp.com/KDEgJWAH5liFCiWVIU8bIa If you are a B2B company that wants to build your own in-house content operation instead of outsourcing your content to a marketing agency, we may be a fit for you! Everything you see in our podcast and content is a result of a scrappy, nimble, internal content team along with an AI-powered content systems and process. Check out pricing and services here: ⁠https://impaxs.com⁠Timecodes00:00 Introduction to Mike Nellis01:09 Mike's Early Political Journey02:27 Building Authentic and Entrepreneurial Insights03:40 Challenges and Successes in Entrepreneurship06:20 Political Fundraising and Campaign Strategies09:05 The Role of Social Media in Politics20:08 The Impact of Algorithms and Media on Society28:34 Grievances and Lack of Leadership28:51 The Role of Social Media29:50 Incentive Structures and Citizenship32:17 Media and Characterization35:50 Political Landscape and Predictions49:12 Challenges Facing Young Men53:53 Entrepreneurial Journey and Misconceptions54:19 Discussion on US Debt and Economic Policies55:21 Good Debt vs. Bad Debt56:58 Entrepreneurial Challenges and Statistics58:20 Political Impressions and Humor01:03:38 Chicago's Crime and Safety Issues01:11:34 Political Landscape and Future Prospects01:14:25 Building a Media Company and Final Thoughts

Join the fx Medicine by BioCeuticals ambassadors, Emma Sutherland, Lisa Costa-Bir and Mick Alexander, hosted by Dr Adrian Lopresti, face-to-face, for an intimate discussion. Hosted by Dr Adrian Lopresti, clinical psychologist and researcher, this panel will explore the key elements of optimal brain health - going beyond theory into practical insights you can apply in clinic straight away. Our ambassadors bring decades of front-line experience and will share their top clinical pearls on brain health from multiple, integrative perspectives: - Lisa Costa-Bir (naturopath, nutritionist & women's health expert) explores movement as “brain medicine” to slow cognitive decline, while referring to Dr Helena Popovic's work on "Adventure prevents dementia". - Mick Alexander (integrative pharmacist & naturopath) breaks down the gut-brain and HPA axis plus overlooked medication nutrient depletions. - Emma Sutherland (naturopath & women's health expert) discusses hormones, “meno brain” and her top therapeutics. Enjoy the recording which our live audience described as "not only informative but joyful to watch", very insightful information backed by studies, gave real life examples", and "clinically relevant and practical". Don't miss out on our first ever live panel discussion. Held in collaboration with @ATMS. Covered in this episode (01:57) Key elements of optimal brain health: An overview of what makes a healthy brain? (Dr Adrian Lopresti) (10:30) Adventure prevents dementia: Practical strategies to add to you toolkit - novel activities, grip strength, tongue exercises to increase brain size (Lisa Costa-Bir) (35:00) Pharmaceutical drugs & the impact to the gut-brain axis: The significant impacts and potential therapies to maintain the gut-brain connection (Mick Alexander) (58:20) Hormones & brain function: Optimise women's brain health in perimenopause and menopause (Emma Sutherland) DISCLAIMER: The information provided on fx Medicine by BioCeuticals is for educational and informational purposes only. The information provided on this site is not, nor is it intended to be, a substitute for professional advice or care. Please seek the advice of a qualified health care professional in the event something you have read here raises questions or concerns regarding your health.

Today's blockchain and cryptocurrency news  Paxos mistakenly mints $300 trillion PYUSD Bitcoin whale selling and put demand intensify Kraken buys Small Exchange for $100 million to launch US derivatives trading platform Australia moves to target crypto ATMs under new AML powers BitMine adds $417 million worth of Ethereum ###Gemini Card Disclosure: The Gemini Credit Card is issued by WebBank. In order to qualify for the $200 crypto intro onus, you must spend $3,000 in your first 90 days. Terms Apply. Some exclusions apply to instant rewards in which rewards are deposited when the transaction posts. This content is not investment advice and trading crypto involves risk. For more details on rates, fees, and other cost information, see Rates & Fees. The Gemini Credit Card may not be used to make gambling-related purchases.  Learn more about your ad choices. Visit megaphone.fm/adchoices

New powers announced to combat terrorism financing and crime related to crypto ATMs; Australia's unemployment rate rises to 4.5 per cent; and in sport, tributes for Ariarne Titmus after she announces her immediate retirement from competitive swimming.

An ultimatum from Defense Secretary Hegseth to reporters: sign this pledge or lose access to the Pentagon. Find out which news organizations refused to sign and why. Plus, CNN investigates how scammers are stealing millions of dollars from victims using crypto ATMs and see how the companies who own those machines are fighting as they try to claw back what police seize in those transactions.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

Metro Detroit police departments have a warning the next time you're at the gas pump or ATM. Instances of thieves using skimmers to steal your credit card information are on the rise. WWJ's Chris Fillar and Jackie Paige have your Tuesday morning news. (Photo credit: Berkley Department of Public Safety)

BUY OUR MERCH HEREJoin the mail bag by leaving a voicemail at: 908-67-9999-3Our personal Instagrams:SoboChomikJimmyJordanWelcome back to The Garden State, the only NJ podcast that gives you all the news you need to know this week. Thanks for tuning in once again and for supporting the podcast. If you're enjoying the show, make sure to leave us a review! We love reading those!Follow us on all our socials to keep up to date with that and everything else happening. https://linktr.ee/thegardenstate

It's not easy installing and maintaining an ATM or ITM. It takes a large team to handle the installation, software configuration, security and many other factors. As a result, many financial institutions are outsourcing these tasks to other vendors who provide professional ATM services.In today's episode of the Bank Customer Experience podcast, Jeshua Buchanan, director of fintech solutions at Cook Solutions Group and Wade Fieber, director of strategic verticals at Cook Solutions Group joined Bradley Cooper, editor of ATM Marketplace, to discuss what professional services entail for banks.During the podcast, Fieber and Buchanan discussed how professional services can help with both initial and ongoing ATM services including:ITM deployment.Server migrations.Check-imaging solutions.Testing software and products.Fieber and Buchanan also spoke on how Cook Solutions Group provides ongoing marketing support for ATMs through its Professional Services Team, such as crafting digital signage content to be used on the machines.Check out the full conversation above.

Nebraska's capital city may soon have a new requirement for the owners of cryptocurrency ATMs. Lincoln Mayor Leirion Gaylor Baird announced Thursday she will be proposing an ordinance that would require crypto or Bitcoin ATM owners to post a sign warning users of scam risks associated with the machine. According to data from the Lincoln Police Department, the number of local fraud cases involving cryptocurrency has more than doubled since its categorization began in 2021.

U.S. President Donald Trump announced on social media that Israel and Hamas had agreed on the first phase of a ceasefire deal. Israeli hostages and Palestinian prisoners will be released and there will be an influx of humanitarian aid into the Gaza Strip. Israeli Prime Minister Benjamin Netanyahu said he would convene Israel's government on Thursday to approve the deal. The deal will lead to the end of the war that has devastated Gaza for two years.And: The American ambassador tells a conference in Toronto the U.S. has to be first when it comes to the auto sector. That's leaving the opposition and the industry asking — what about Canada? Trade was a hot topic in Question Period today, as Prime Minister Carney returned from Washington with no specific tariff relief, and news he offered to revisit Keystone XL — a project U.S. Donald Trump has campaigned on reviving.Also: They make it easy to convert cash into cryptocurrency. But police say crypto ATMs are too often used for something else — ripping you off. Federal authorities say the machines are the number one tool fraudsters are using to get your money.Plus: Former FBI director James Comey pleads not guilty as some accuse Trump of weaponizing the U.S. Department of Justice, VIA forks out millions for travel delays, French parliament in turmoil, and more.

Everyone's chasing the next flashy trend—crypto, dropshipping, shiny apps—but here's the truth: the entrepreneurs stacking real wealth aren't chasing hype. They're building boring businesses that print money on autopilot. In this episode of The Level Up Podcast w/ Paul Alex, we break down why industries like ATMs, credit card processing, laundromats, car washes, and vending machines quietly create financial freedom while everyone else is flexing for social media. You'll learn:

In big cities in China, ATMs are everywhere, and many of them can even take foreign cards now. Of course, it's very useful to actually know how to use these things, and learning the appropriate Chinese terms is a huge step in the right direction. Today's lesson covers the ATM basics, including checking balances and making a withdrawal. Episode link: https://www.chinesepod.com/1474

In this episode of Unblocked, I sit down with entrepreneur Kurt Karjalainen, owner of Premier Merchants Group, LLC. What started as a college side hustle with a single ATM has grown into a thriving business with more than 3,000 ATMs across 42 states.Kurt shares:How he spotted opportunity in a market others overlooked.Why being willing to start as a beginner matters more than being perfect.The sales mindset shift that took him from frustration to traction = “I want a yes or a no, but not a maybe.”His philosophy of time freedom and why it shaped every decision he made.The creative problem-solving that turned financial roadblocks into partnerships that fueled massive growth.If you've ever wrestled with fear of failure, indecision, or perfectionism, Kurt's story is proof that persistence, clarity, and a bias for action can create unimaginable results.If this episode resonated with you, please subscribe, leave a review, and share it with someone who needs to hear this. Links and Resources:Order my #1 New Release book In PursuitIf you love what you're hearing on the podcast, you've gotta check out my private coaching offers. Click HERE to learn more about one-on-one coaching with me!Get your complimentary copy of The Unblocked Journal to help bring awareness to perfectionist thinking and what it's creating in your life.Join My Do The Thing Community  Let's Connect:Follow me on Facebook & Instagram: @JessicaSmarroShare your thoughts and experiences with the hashtag #UnblockedPodcast and tag @jessicasmarro!Connect with Kurt: kurt@pmgcom.com Let's Get Unblocked! 

California's latest "innovative" taxation scheme is here – a per-mile road charge to replace declining gas tax revenue. Because nothing says progress like tracking every mile you drive while claiming it's for the environment! The state wants to charge 2.8 cents per mile, complete with transponder tracking or odometer photo submissions, all while gas prices remain the nation's highest at 59 cents per gallon. But here's the kicker: this regressive tax will hit working-class families hardest – the same people forced to live hours away from job centers because California's housing costs are insane. They're rushing toward an all-electric future by 2035 (15 million EVs, they claim) while two major refineries are closing, eliminating 17% of the state's gas supply. Government efficiency at its finest! Are Californians really buying into this "paving the way to the future" nonsense? How long before other states follow suit? The progressive agenda keeps getting more expensive – who's actually paying the price here? Like and subscribe if you're tired of politicians treating taxpayers like ATMs while virtue signaling their way to transportation dystopia.

Surviving Disasters Past – The 2003 Northeast Blackout

In this episode of the Fundraising Masterminds Podcast, we're talking about the 5 reasons your annual fundraising banquet is outdated — and how to fix it.Join us as we walk through the most common mistakes nonprofit leaders make when running traditional banquets. From mindset traps to rigidly following traditions, this episode breaks down why outdated fundraising models hold you back back and how the Perfect Vision Dinner can transform your results.Learn why doing things too cheap actually costs you more. Find out how your current donors feel like ATMs. See why getting the right people in the room matters more than numbers. And discover how selling tickets holds back five-figure giving. So whether you've been hosting annual banquets for decades or you're planning your first event right now, this episode will challenge how you think about fundraising dinners and give you a better way forward. Don't miss this chance to rethink your approach and set your ministry up for lasting success.Subscribe to our channel for more helpful nonprofit development strategies!ASK US A QUESTION:⁠⁠⁠⁠⁠⁠⁠https://www.speakpipe.com/fundraisingmasterminds⁠⁠⁠⁠⁠⁠⁠NEED HELP WITH YOUR NONPROFIT?Most nonprofits are under-funded. Even if you think your nonprofit is doing well, we've found you could be doing much better. However, most nonprofits don't have a clear development strategy that keeps them grounded. As a result, they "get creative" and "try new things" based on what is popular or trending, or they get comfortable with where they are at and don't realize the dangers they will be facing in just a few short years.The Perfect Vision Dinner Course is a 20-week "live video" course that addresses this problem head on. The course was developed by Jim Dempsey after 38+ years as a Senior Development Director at Cru. After Jim had personally done over 2,500 vision dinners in his lifetime and raised over $1 billion worldwide, Jim and Jason have partnered together to bring you Fundraising Masterminds. Our first course, The Perfect Vision Dinner is a time-tested proven formula that will introduce our development system and grow your nonprofit to its maximum potential.The course includes 20-hours of personalized development coaching from Jim Dempsey and Jason Galicinski and also includes a real-time community group where you have access to everyone attending the course and also our Masterminds throughout the course.The goal for this course is to fully equip you with a Biblical basis for Development so that you can Win, Keep and Lift new partners to higher levels of involvement with your nonprofit. → ⁠⁠⁠⁠⁠⁠⁠https://FundraisingMasterminds.net⁠⁠⁠⁠⁠⁠⁠FOLLOW US ON SOCIAL MEDIA:→ Instagram: ⁠⁠⁠⁠⁠⁠⁠https://instagram.com/fundraising.masterminds⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠→ Facebook: ⁠⁠⁠⁠⁠⁠⁠https://facebook.com/fundraising.masterminds⁠⁠⁠Episode Keywords:fundraising banquet, banquet, annual fundraising banquet, your annual fundraising banquet, your annual fundraising banquet is outdated, 5 reasons you annual fundraising banquet is outdated, nonprofit leader common mistakes, common mistakes of nonprofit leaders, traditional banquet, banquets, outdated fundraising, selling tickets, five-figure giving, fundraising dinners, nonprofit development, nonprofit development strategies, fundraising masterminds, jim dempsey, jason galicinski.

Have you ever thought about running an event in space? Yeah… me neither—until today.In this episode, I sit down with Brody Lee, an entrepreneur who turned a near-death experience into a mission to change the world through human connection. From selling fake hall passes in high school to closing $20k at his very first (one-person!) event, Brody's journey is nothing short of wild.We dive into how events aren't just about selling from the stage—they're about curating transformational experiences that respect the real costs people pay to show up: their money, time, and relationships. Brody breaks down why treating your attendees like ATMs is a losing game, how he built (and walked away from) a $3.5M business, and why he's now aiming for a billion-dollar moonshot with events that could literally take us to the stars.If you've ever wondered how to create meaningful, profitable events—or if you just need a reminder of what's possible when you refuse to quit—this is an episode you'll want to grab a front-row seat for. What You'll Learn:How a life-changing wake-up call set Brody on the entrepreneurial pathThe surprising $20k lesson from his very first event (with one attendee)Why most events fail—and how to make yours unforgettableThe “conversion content” approach that inspires people to work with you (without pressure tactics)Why hugs matter more to your business than you thinkBrody's audacious plan to run a philanthropic event… in space Chapters00:00 Welcome & Space Conference Joke00:38 Brody's Wake-Up Call: Overdose to Clarity02:40 Starting His First Business After Tony Robbins Event05:01 The One-Person Event That Made $20K06:47 Lessons on Empty Rooms & Event Marketing07:49 From Apple to $1.3M in Year One08:55 Scaling, Burning Out & Walking Away from $3.5M11:15 Why Most Events Fail (and How to Fix Them)13:50 Respecting the True Cost of Attending Events15:43 Selling with Impact (Not Pressure)19:25 Tony Robbins as the Gold Standard of Events21:03 Why Virtual Can't Replace Hugs & Hallway Connections22:39 The Future of Events: AI, Impact & Revolution24:41 Project Orelis: A $10B Event in Space26:45 Brody's U.S. Bucket List & Travel Goals27:29 Wrap-Up & Call to Action

Israel has been blocking the flow of physical money into Gaza since the start of the war. So whatever paper cash was in Gaza before the war, that's all that's been circulating. It's falling apart from overuse. Two best friends, one in Gaza and one in Belgium, are now trying to get money in.But how do you get money into a bank account in Gaza? And how do you get that money out, in Gaza, when there are no functioning banks or ATMs? And almost no electricity. And spotty internet. And what is there to buy? How does money even work in Gaza right now? Subscribe to Planet Money+Listen free: Apple Podcasts, Spotify, the NPR app or anywhere you get podcasts.Facebook / Instagram / TikTok / Our weekly Newsletter.This episode was hosted by Sarah Gonzalez. It was produced by Sam Yellowhorse Kesler. It was edited by Marianne McCune, and fact-checked by Sierra Juarez. It was engineered by Cena Loffredo, Robert Rodriguez, and James Willetts. Alex Goldmark is Planet Money's executive producer. Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

There is no threat to Hawaii, but another major earthquake had Pacific tsunami officials on alert this morning. Hawaii Island Police are asking for help identifying a man wanted in connection with a series of unauthorized withdrawals at multiple ATMs in the Hilo area. And reaction is pouring in from the entertainment and political worlds after Jimmy Kimmel's abrupt suspension. See omnystudio.com/listener for privacy information.

ECD's Nina Vukovic and Lawdecoded's Ilija Rilakovic unpack Serbia's crypto regime: licensing under the Digital Assets and AML laws, Central Bank vs. SEC roles, how ECD runs exchange/wallet/ATMs, Travel Rule implementation, streamlined security-token issuance, and where Serbian rules diverge from MiCA with concrete tips for CASPs operating in or entering Serbia.

In this conversation, Charles Loescher shares his journey from being a police officer in New Orleans to becoming a successful real estate investor and entrepreneur. He discusses his diverse ventures, including commercial real estate, ATM businesses, and restaurants, emphasizing the importance of making money work for you. Charles offers valuable insights on balancing a full-time job with entrepreneurial pursuits and the significance of networking and negotiation in achieving success.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Should you date single moms? It's the question that divides the manosphere — and maybe your dating life.In this raw and honest episode, Faisal, Chuck, and Ari dive into one of modern dating's most controversial topics. No sugar-coating. No political correctness. Just three divorced dads sharing hard-earned wisdom about navigating the single parent dating world.In this episode, we explore:The brutal truth about why single moms might be "easier" to date (and why that's a trap)How Nice Guys become unwilling ATMs and unpaid babysittersWhen to introduce your kids — and the red flags that scream "run"Why choosing the path of least resistance destroys your dating confidenceThe difference between being a white knight rescuer vs. a conscious partnerHow single parenthood can reveal character — or expose major red flagsWhy some men should absolutely avoid dating single moms (and who they are)This isn't about shaming single mothers. It's about helping men make conscious choices instead of falling into Nice Guy traps that leave everyone miserable.Whether you're a single dad wondering about your own dating value, a man considering dating a single mom, or someone who's been burned by taking the "easy" path — this conversation will challenge everything you think you know about modern dating.The bottom line: There are no shortcuts to building real confidence and relationship skills. And the choices you make in dating reveal everything about the man you're becoming.Like. Comment. Subscribe. And share this with the man who needs to stop settling for scraps. Subscribe to the Nice Guy Show newsletter to get tips and insights on how to lead a high-value life:https://niceguyshow.com/Connect with Faisal Khokhar:https://masculine.co/https://instagram.com/coachfaisalkhttps://youtube.com/@coachfaisalkConnect with Chuck Chapman: https://chuckchapman.com/https://instagram.com/chuckchapman.ma/Connect with Dr. Ari Graff:https://drarigraff.com/https://draribgraff.com/register [divorce recovery program]https://youtube.com/@AriGraff

Hear about travel to Solomon Islands as the Amateur Traveler talks to Chris Shorrock from Travel Obscure about his adventurous trip in these remote Pacific islands. Why should you go to the Solomon Islands? Chris says, "There's lots of reasons. One of the reasons we didn't really focus on World War II history. One of my big reasons for going was it's an adventurous destination and I like an adventurous destination. There's not many people going on holiday to the Solomons, so that was one of the big appeals. But besides that amazing natural beauty: jungle-clad volcanic islands, turquoise oceans, and then below the surface of the ocean lots of sea creatures, coral reefs, very spectacular underwater environment." This is an adventurous loop through the Central Province: starting in Honiara, crossing to Savo Island for volcano hikes and megapode eggs, then finishing with shipwreck snorkeling at Roderick Bay before returning to Honiara. Flights: Most travelers arrive from Brisbane (easiest option). Other routes exist via Port Moresby (less reliable), Nadi, or Auckland (via Vanuatu). Practical tip: Honiara is the last place you'll find ATMs, pharmacies, or proper shops. Stock up on cash (Solomon dollars), insect repellent, sunscreen, snacks, and dry bags here.   Day 1 – Arrival in Honiara (Guadalcanal) ... https://amateurtraveler.com/solomon-islands/ Learn more about your ad choices. Visit megaphone.fm/adchoices

You may not realize it, but that bitcoin ATM at your corner store is probably bringing in some serious cash. Get the headlines that matter, right when they hit the wire: Join our Telegram group for market moving news on top Bitcoin equities like $MSTR, $MARA, $RIOT, $CLSK, and more:  https://t.me/blockspacenews Welcome back to The Mining Pod! Today, Brandon Mintz, CEO of Bitcoin Depot joins Colin to talk about building the largest Bitcoin ATM network in North America with 9,000+ machines. They discuss how the Bitcoin ATM business model works, why someone would buy bitcoin from an ATM rather than an exchange, why Bitcoin ATMs tend to have premiums, and what areas the company may explore for expansion. Subscribe to our newsletter!  **Notes:** • Bitcoin Depot has 9,000+ ATMs across 3 countries • Q2 revenue up 6% YoY to $172.1M • 15% of US transactions still use cash • 1,700 ATMs ready for deployment Timestamps: 00:00 Start 03:16 Founding Bitcoin Depot 05:58 The first BTC ATM? 07:14 Current revenue growth 09:52 Establishing an ATM location 11:54 Deciding ATM locations 16:01 Profit sharing w/ locations 17:33 Convincing locations 19:31 Are ATMs not price sensitive? 22:21 Operating expenses 23:26 ATM user profile 25:45 Price premium 28:59 Revenue valuation 31:46 Expansion 32:27 European market 32:59 Treasury strategy 35:20 Treasury company frothy market 36:57 Regulation changes

Get the headlines that matter, right when they hit the wire: Join our Telegram group for market moving news on top Bitcoin equities like $MSTR, $MARA, $RIOT, $CLSK, and more:  https://t.me/blockspacenews Welcome back to The Mining Pod! Today, Brandon Mintz, CEO of Bitcoin Depot joins Colin to talk about building the largest Bitcoin ATM network in North America with 9,000+ machines. They discuss how the Bitcoin ATM business model works, why someone would buy bitcoin from an ATM rather than an exchange, why Bitcoin ATMs tend to have premiums, and what areas the company may explore for expansion. Subscribe to our newsletter!  **Notes:** • Bitcoin Depot has 9,000+ ATMs across 3 countries • Q2 revenue up 6% YoY to $172.1M • 15% of US transactions still use cash • 1,700 ATMs ready for deployment Timestamps: 00::00 Start 03:16 Founding Bitcoin Depot 05:58 The first BTC ATM? 07:14 Current revenue growth 09:52 Establishing an ATM location 11:54 Deciding ATM locations 16:01 Profit sharing w/ locations 17:33 Convincing locations 19:31 Are ATMs not price sensitive? 22:21 Operating expenses 23:26 ATM user profile 25:45 Price premium 28:59 Revenue valuation 31:46 Expansion 32:27 European market 32:59 Treasury strategy 35:20 Treasury company frothy market 36:57 Regulation changes

BEING A PART OF SOMETHING BIGGER THAN OURSELVES I love the perspective of the first-time pilgrim. There is so much excitement and anticipation. Eagerness and nervousness. And such great questions! We could talk forever about what it means to walk the Camino de Santiago and what it takes to get ready. My guest today is Jill from California who is just about to board a plane to go walk the Camino Francés. We had a wonderful conversation, spanning such topics as pilgrim meals, planning your stages, when to take rest days, women's safety, and using ATMs to get cash. We also touched on the tender position of being one small person in a big world and how we can connect with others in a way that restores our hope and trust in humanity. Here is the book Jill mentions in this episode: The Way of the Heart, by Henri Noewen Join Jill in supporting the World Central Kitchen: https://donate.wck.org/fundraiser/6443097  HOW ARE YOUR 2025 GOALS COMING ALONG? I'd love to hear from you! You can write to me at nancy@thecaminoexperience.com  IS 2026 YOUR YEAR TO WALK THE CAMINO?  Let's get started together. Join me on the trail: https://thecaminoexperience.com/walk-with-me/    #youonthecamino #caminodesantiago #firsttimepilgrim #thecaminoexperience #caminopodcast

What does BlackRock's former crypto lead see in Ethereum that others still miss? Joseph Chalom joins Bankless to take us inside the IBIT/ETHA ramp, why BUIDL launched on Ethereum mainnet, and the simple—but powerful—framework he uses to value ETH as “high-octane money.” We break down staking inside ETFs, the tokenization roadmap from stablecoins to the S&P in your wallet, and the real mechanics of ETH treasury companies—mNAV premiums, ATMs, converts, and the transparency metrics that matter. Less hype, more architecture: if security, liquidity, and 24/7 settlement are the future, this is the bridge. ---

BOSSes, Anne Ganguzza is joined by Tom Dheere to tackle a topic many voice actors fear most: marketing. In this episode, they break down the essential difference between direct marketing (you go to them) and indirect marketing (they come to you). The hosts discuss how to make both strategies work for you, offering a powerful, actionable roadmap for building a sustainable voiceover business. 00:01 - Anne (Host) Hey boss listeners. Are you ready to turn your voiceover career goals into achievements? With my personalized coaching and demo production, I'm here to help you reach new milestones. You know you're already part of a boss community that strives for the very best. Let's elevate that. Your success is my next project. Find out more at anneganguzza.com.  00:25 - Speaker 2 (Announcement) It's time to take your business to the next level, the boss level. These are the premier business owner strategies and successes being utilized by the industry's top talent today. Rock your business like a boss a VO boss. Now let's welcome your host, Anne Ganguzza.  00:44 - Anne (Host) Hey everyone, welcome to the VO Boss podcast and the Real Boss series. I'm your host, Anne Ganguzza, and I'm here with Mr Tom Dheere. Hello, hello, hello, the Real Boss, Tom Dheere.  00:56 - Tom (Guest) Hi, I'm seeing the light ring in my glasses. I'm going to change. I want to change these.  01:01 - Anne (Host) Wait, I thought you said I'm seeing the light.  01:03 - Tom (Guest) I'm seeing the light. Well, yeah, no, but the light was seeing me and my glasses, so I'm switching over. I have, like different pairs of glasses for where I'm at.  01:11 - Anne (Host) No, really. So like these are better. I hear that. I hear that Yours are part of a marketing strategy.  01:18 - Tom (Guest) Mine are purely because my eyeballs are decomposing. I can hear them.  01:22 - Anne (Host) But me too, though, I need them as well, and I figure I might as well make them part of a marketing strategy. And speaking of marketing, yes. Great segue, isn't it? I think it's one of the most feared things for any voice actor is to actually think and do marketing, and so it's a great topic to talk about, because, I mean, we could talk like multiple podcasts about it, but let's talk about marketing Indirect marketing, direct marketing. They're both important.  01:49 - Tom (Guest) Yes, absolutely.  01:50 - Anne (Host) Let's distinguish the difference.  01:52 - Tom (Guest) Right, and this is the thing that when most people come into the voiceover industry, they think and their instinct is correct, so I need to market myself. What does that mean? For most people, it's slamming into social media sideways and talking about what they had for breakfast, or it most often means cold calls and cold emails. Now, you can clearly lump all of that stuff together into marketing, but there's a lot more to it. It's a lot more nuanced than that.  02:18 - Anne (Host) You say the word cold calls and I think people go cold. I know they do. They're like oh no cold calls now.  02:25 - Tom (Guest) So the way I talk about it is that there is direct marketing and then there is indirect marketing, also known as active marketing or passive marketing. So direct or active marketing is when you are seeking out specific potential clients and you are basically grabbing them by the lapels and saying, hey, you give me money to say stuff out loud.  02:48 - Anne (Host) Here I am. Hello, this is me.  02:50 - Tom (Guest) Hello, right Now that's a cold call, that is a cold email. There's also follow-up emails and getting your seven touches.  02:57 - Anne (Host) And that's direct, because it's direct contact with a potential client.  03:01 - Tom (Guest) Exactly. And then there is indirect marketing, which is where you're kind of like doing your thing over here in hopes that people or robots will notice you Right and come to you Right. So, for example, working on search engine optimization on your website, that's a form of indirect marketing or passive marketing, because if somebody's searching for you, hopefully your website or your content will rank higher on Google, bing, yahoo and they'll be like, hey, who's this person? And then they reach out to you Right.  03:30 - Anne (Host) Or they're seeing you on social media.  03:32 - Tom (Guest) Social media, exactly, is another perfect example of indirect marketing. So that's where you're kind of like demonstrating your value, your progress, your humanity as a voice actor and a person, in hopes that it will get voice seekers' attention and be engaged with your content and hopefully you'll stay top of mind for future projects.  03:50 - Anne (Host) An easy I would say an easy way of thinking about it is direct marketing. You go to them In direct marketing. They're coming to you.  03:58 - Tom (Guest) Exactly. Yeah, that's exactly right.  04:00 - Anne (Host) I think, equally terrifying for voice actors yes, yes, I think that it's great that we made the distinction now between the two.  04:09 - Speaker 2 (Announcement) And.  04:09 - Anne (Host) I think the one that really causes people probably the most terror is the direct marketing part of it, because they have to reach out to someone who is a complete stranger to them and that we are a complete stranger to them and they're a complete stranger to us. And so direct marketing, I think, requires, I think, a little more knowledge, so it makes it a little less scary.  04:29 - Tom (Guest) I think so too.  04:36 - Anne (Host) That's the way I see it, and what I try to explain to a lot of my students who talk about marketing and their fear of marketing is, of course, all the indirect methods, which they're probably much more apt to do, because they can create a blog, they can go on social media, they can create a video, they can do things like that, and that to them, I think, is more of a concrete path than oh my God, I got to go find someone. Who do I reach out to, what do I say and how does that work? And so I think the first distinction that I want to make with direct marketing is to make it less terrifying. Is that I want to make with direct marketing is to make it less terrifying is just an understanding that people have needs. How many times can I bring up the Chanel lipstick, right?  05:09 - Speaker 2 (Announcement) How many times it's a great example.  05:10 - Anne (Host) I just keep going back to it where here's the Chanel lipstick. It is part of my brand and I want to work with this company, chanel, and so ultimately, they don't know who I am. I mean, I kind of know who they are, but I don't know exactly who I should contact. And so when does Chanel have a need for voiceover? Right, when they have a campaign, right when they have a campaign and when maybe they have a voiceover and they want to replace that voice, and so it's very much based on need and when they need voiceover, a voiceover.  05:41 It's not that. Oh, I'm going to reach out and I never heard back and therefore that's a bad lead or it didn't work or I'm done. I failed. You cannot think that, guys, because it's all on a timely basis, so when I need a new lipstick, I'm not constantly searching for a new lipstick, but when I need one, then if an email comes my way or a social media ad comes my way talking about a new shade of red, I'll be like, oh, I need that, let me look into it.  06:10 And that's the same thing that, as a voice actor, you need to understand about direct marketing.  06:14 - Tom (Guest) Right, put it another way. And what are the client's pain points? How can you cure what ails them? How can you solve their problems? So I'm going to take your Chanel lipstick example and I'm going to continue it. So let's put it in voiceover terms Chanel wants to advertise that lipstick. So they want to make advertisements of some sort. It could be print, it could be digital, it could be TV, radio streaming or whatever. Right, chanel?  06:42 - Anne (Host) Look to me, Chanel. I talk about you all the time. I'm just saying In my podcast Please make Anne a compensated endorser for your lovely products.  06:51 - Tom (Guest) So Chanel usually would have to hire a marketing agency or an ad firm or something like that to come up with whatever. The concept would be. Okay, well, this is Chanel, it's this type of lipstick, we're targeting this type of audience, or they?  07:04 have it in-house or they have it in-house and they'll say, okay, well, our demographic is women of this particular age range.  07:19 Okay, so we need to make sure that the content and context of the advertisement is making sure that we're targeting that particular demographic.  07:22 It needs to appeal to them on a visual or an auditory level or some other combination of that. Maybe we need to get an influencer in here or a celebrity or something like that, but we still need a voice actor to do whatever the radio or streaming or TV is. So they come up with a concept, they write the script. Now they need to get a production company to turn this script into reality and then the production company now this is where they have choices. They can go to a casting director and a casting director and the casting director can then reach out to agents and managers to find the voice actors. They can post that casting notice on a casting site like a Voice 123 or a VO Planet or a Badalgo, or they can have their own roster of voice actors that every time a casting notice comes up, they go through their own list of voice actors. That every time a casting notice comes up, they go through their own list of voice actors and then send the casting notices out to the appropriate voice actors to collect auditions right.  08:12 - Anne (Host) Before you continue, I'm going to intercept and say all right, let's talk about how often do they need this right? That is something that is the big unknown right. How often are they needing a new campaign? And that is something that I think is the most ambiguous, maybe, to the voice actor, because we don't know we don't work for the company, we don't know how often they need these new ads. So what I don't want people to expect, and I think what a lot of people do expect, is like well, I reached out to them and they don't want me. Well, they don't have a need for you Yet. Yeah, and I don't think it's appropriate to think that any one company needs a voice actor 24-7.  08:48 - Tom (Guest) Unless you're Joseph Riano.  08:50 - Anne (Host) But that's a different genre, right. That's promo, that's a different genre, that's promo and that's actually a network right.  08:55 - Speaker 2 (Announcement) Right.  08:55 - Anne (Host) That, yeah, you're required to do these ads because things change all the time. Chanel lipstick how often are they coming up with new colors? How often are they coming up with new colors? There's seasons, right? How often are they coming up with new lipsticks? Right? That is not necessarily a daily. Companies don't come out with new products every single day, so therefore they may not have a need. So please keep that in mind, guys, because I think a lot of people get discouraged when they don't hear back. Marketing is the long haul. It's a marathon, not a sprint.  09:21 - Tom (Guest) Yeah, getting auditions from your agents and managers and getting auditions from online casting sites. Those are short term. There's an audition right now. You audition for it right now Because they've had a need Right. Using direct and indirect marketing strategies is a long-term investment in developing relationships with clients Big distinction. A lot of people argue oh, agents are better than this and this is better than that, and none of that is true.  09:46 All of it's extremely subjective, based on the genres of voiceover that you want to do and the marketing methods and comfort level that you have with technology and interpersonal stuff. Like some people will be like I'll make cold calls all day. I love doing it. And some people are like I'm terrified of talking to people. I will only post stuff on social media and I will only talk about in a very narrow way and all of that is fine. But to Anne's point. Well, first off, we're thinking about them a lot more than they're thinking about us.  10:13 - Anne (Host) Oh my God, yes, amen, amen. That is so very true, because we want to be hired by them.  10:19 - Tom (Guest) Right, of course, and to Anne's point, they don't need any voiceover for a product or service or brand at this moment in time, and when they do, it may not necessarily be you and a lot of the times they don't have any control over the product or service or brand and what the demands there are from the end client or the ad agency or the marketing firm or the campaign that dictates the quality and quantity of the demographics of the voice actors that they're needed for that particular campaign. Right, and with a campaign that dictates the quality and quantity of the demographics of the voice actors that they're needed for that particular campaign.  10:48 - Anne (Host) Right, and with a campaign, typically they want to have, like in any kind of a brand, consistency right. Typically, if there's a product and you're the voice of that product or that brand, it typically is something that will be recurring for a certain amount of time. It's not like today's ad is going to feature my voice and tomorrow it's going to feature somebody else's voice. They want to work in a little bit of consistency for that brand and that includes the voice. So understand that they're not having a need for a new voice actor every single time they're airing the ad or putting it out there on social media. That may be.  11:19 You are a voice for a campaign which runs for a certain length of time, which is why we base our rates especially when it's broadcast right on where it's being played and for how long Because we are a voice for that particular time, for that particular campaign. Now, if they want to extend that right, they will pay to extend that or they'll find a new voice if they're looking for that.  11:42 - Tom (Guest) Right, we love the rebuys where you narrate something and it's good for a certain period. I got that phone call two weeks ago. I did a social media ad and for a six month term, and they literally called me on the phone. They're like, hey, they want to do it again, bill us, yeah, and I just build them. And they're like, oh, and we have two more spots. That's the wonderful part.  11:59 - Anne (Host) But the thing is is like for that particular brand, right Voice actors. If you're going to reach out to that same company and say, hey, I'm a voice actor, hire me. Well, they've got Tom right For reasons within the campaign. If his voice is working and that's what they want, they're going to continue to have Tom. So don't take it personally, don't beat Tom up.  12:19 - Tom (Guest) Tom is like sorry not sorry, Sorry, not sorry Sorry not sorry, sorry, not sorry.  12:22 - Anne (Host) I think we just have sometimes a very narrow view of what it's like on the other side of the glass and to have that need and that desire to create a campaign with a voice, and so you have to be understanding of the way it works.  12:34 - Tom (Guest) Yeah, another point on that is that late last year a voice actor posted on Facebook an infographic that I want to say it was. An explainer video producer posted an infographic. They tracked the amount of hours that it takes to produce an explainer video, which obviously includes concept writing, storyboard, budget, legal department, music and all of that stuff, and the amount, the percentage that involved the voice actor, was 1.5%. Yeah, 1.5%. So often we as voice actors are an afterthought.  13:06 - Anne (Host) Yeah, we're the last part of the journey there.  13:08 - Tom (Guest) Yeah, and sometimes I'll just ask around the office, or their niece, who's a musical theater major, and they just give it to them and that's it.  13:15 - Anne (Host) But yes, obviously casting notices are posted everywhere all the time and it's so funny because I mean, when I'm doing oh, it's funny because I'm dabbling a little bit in fashion and when I'm creating videos, I mean my main thing is that I'm talking about the brand or I'm showcasing the brand, but a lot of times the videos don't even require the voice. Unless I'm directly talking about the brand, I can put music behind it. And it's funny because in my process of creating the video right for, let say, the brands that I'm working for the last thing I put in is the voice. It's the last thing I do, unless I'm doing a direct-to-camera like hey guys, this is an amazing product. Then it all happens together, right, and then the video editing happens and my voice is already there talking about it.  13:57 But a lot of times I'm not necessarily, or I'm doing a voiceover after the fact, and so, yeah, we become like the last part of the project, and so that's something to also be aware of. It's not that we're not important, we're very important, but you have to understand where in the chain of events that it happens. That's why people, when they cast, they want to cast typically like quickly, right, they want to find that voice and just put it into the video that's already been done, and then music and sound effects, because, again, like Tom you mentioned, we're typically the last part.  14:31 - Tom (Guest) Yeah, and from what I've noticed in my casting notices over the past decade or so is that the turnaround time for casting is usually about 48 hours, and then from the recording of it is probably another 48 hours. Sometimes it's even quicker than that. So usually that means if this project took six weeks or two months or whatever that means at most not. I'm not saying a week is spent on the voiceover, it's just that everything that needs to happen regarding the voiceover is probably a handful of hours within one week, and then that's it.  15:04 So the point is, bosses, is that if you are engaging in direct marketing strategies, like cold calls or emails, and you're doing your follow-up emails and reaching out on social media, like directly in sending the messages and stuff like that you have to manage your expectations. I was reading a study that since 2014, the return on cold calls and emails has dropped by 10% every year for the past 10 years. And guess what? 10% times 10 years equals 100%. So it doesn't mean they're not effective at all anymore. But now the expectation of them actually getting your email or answering your phone call and responding positively is between 1% and 3%. It is a very, very small percentage, which means also this is a numbers game.  15:49 - Anne (Host) Yeah, absolutely Absolutely, but it's not impossible.  15:52 - Tom (Guest) No, it's not impossible. You want to be smart about it.  15:55 - Anne (Host) Yeah, what I'm always telling people because I have a Boss Blast product and I know you also do a lot of educational courses on direct marketing. It's something that you need to understand. It's definitely a marathon, not a sprint, kind of a game, and the good thing about it is that once you do connect and once you're in front of the eyes of someone who has the power to hire you and award you the gig, typically you want to stay top of mind, and that's when you're talking about marketing. Staying top of mind is always a good thing. You're talking about marketing. Staying top of mind is always a good thing. That's when they'll call you and say, hey, we want to extend this for another 13 weeks or we want to extend this again. So once you hook them, hopefully you keep them, and that's where the challenge is.  16:36 You know auditions. You know there's a need already. You audition and they cast because they're at that stage in the project where that's what they need. Right, they need that voice. But when you're direct marketing and you're reaching out, they may not have that need right away. They might think about you and say, oh okay, I like that voice. I don't have a need for her right now, but maybe let me put her to the side and let's when another campaign comes up that I think she's good for and I get that all the time when I'm on a few different rosters They'll contact me directly and say, hey look, I think you'd be a perfect voice for this campaign. Can you send me an audition? And typically, boom, that's good because it's a cold lead that turned into a warm lead and that is nice because I didn't have to really do much effort because I'm on his radar.  17:18 So when you're direct marketing, tom, the other important thing to understand is not only how it works right and understand and the expectations. It is how do you know who to contact right? And how do you contact them without being spammed? Because, guess what? We all get spam every single day. I get phone calls still that I don't pick up the phone. I get emails that are scammers, that are just junk email I don't even bother to look at. I see the subject line and I'm like nope, so I'm not going to be spamming. In today's world where it is getting increasingly hard. How do you do it right? That's the question, that's the golden question, right? How do you do it? How do you get their attention?  17:55 - Tom (Guest) Well, I've learned a couple of just some just brief bullet pointy bits of advice is be concise, be brief, be professional, but be you as much as you can If you have a very formal subject line or a very prim and proper paragraph. Hi, my name is this, I do this, I do that, I can do this, and every sentence starts with the word I Delete Immediate turn off.  18:21 - Anne (Host) It's about how you can help the company.  18:23 - Tom (Guest) Yes, it's how you can bring value to their company. It's not about you Solve their pain point. Exactly, solve the pain point. What can you do for them? But don't make it I, I, I Make it about. You need this, you need this. Your problem is this your problem can be solved with my services as a voice actor, but at the same time, be you as much as you can be you, be as personable as you can. Funny goes a long way and showing that you know about them.  18:54 - Anne (Host) Yes, because it becomes like these are two strangers meeting in the night, right? So what makes that meeting more agreeable? Well, if I have done my homework, it's kind of like God the olden days, tom, when I used to go on interviews for like corporate jobs. Right, you wouldn't go into a corporate interview for a job and not know anything about the company that you're applying to.  19:15 Right, I mean that was the biggest no-no was no. You've got to understand what does the company make, what are the products that it makes and what is it that is attracting you to this company? So if you can offer some insight into their company and why it is that you feel it would be a beneficial partnership, then definitely reaching out with how you can solve their pain point and showing that you're interested in them and not just like I, I, I and I'm a great voice actor and listen to my talent. It's not about you at all. It's about how you can help them right to sell their product or to sell their brand.  19:48 - Tom (Guest) Yeah, your job is a problem solver. Yeah, don't treat them like a cash register and your email is a crowbar.  19:54 - Anne (Host) Oh, I like that, that visual.  19:57 - Tom (Guest) You know he's kind of like give me the money to say the things have you said that before?  20:00 - Anne (Host) Did you just grab that from there? That was great.  20:02 - Tom (Guest) I've said it in various permutations of that over the years. But yeah, yeah, I've also said we try to treat voice seekers like ATMs. Yeah, because we only see them as these machines that can give us money. Yeah, absolutely. These are people that have their own needs and challenges.  20:17 They are human beings that have their own struggles creative, logistical, financial, cultural struggles. And if voiceover is 1.5% of their thought processes in any given project, 5% of their thought processes in any given project, you want that 1.5% to be maybe the easiest and most entertaining, 1.5% to make everything a little bit easier.  20:38 - Anne (Host) Don't give them homework. That's what I always say. Don't give them homework, Don't make them try to research you. Don't give them homework. Just be there to let them know that you can help them and that you have a genuine interest in their company, in their product, in wanting to serve them and to help them, to make their jobs easier. Really, I think that's the point, and anybody that's worked in the corporate world knows that they want their job to be easier. They're working for someone, typically, and they have a lot on their plate. They don't want to be bogged down by, oh my God, a big, lengthy email that is going on and on and on and self-serving.  21:14 I know that when I get emails and I like to talk a lot. I think that's the problem, Tom. As voice actors, we like to talk right, and sometimes that transcribes right into our emails. I used to write these emails that were like paragraphs, paragraphs. Nobody has time for that and I would love to write paragraphs of an email and I would spend so much time.  21:32 I remember when I broke down what I did in my corporate job. I spent the majority of my time writing customer service emails and they were long emails and the funny thing is, I would get offended if people three quarters of the way down, if I put an important fact and then somebody wrote me back and then asked me a question about that fact, I'd be like how could you not have read that email? I spent so much time on it Because people don't have the capacity right to read a big, long, horribly boring email and also you are encroaching upon their time. I get so many emails a day, Tom, we've talked about this before. I have like a million some odd unread emails in my Gmail on purpose, because I want to see the marketing. I want to see the marketing that people are doing, and you just have to understand that you're taking up a part of their day, and so I think you need to like, deserve that.  22:18 And you need to prove that you're worthy of that 1.5% of their time. And so that means, if they don't want to hear from you again, if you've presented yourself in a way where they don't have a need for you, or maybe you I don't know, maybe you're all self-serving and they're like I don't need this they need to have a way to not get those emails from you ever, ever again. So there are legal ramifications of you reaching out to somebody unsolicited, typically in any direct marketing. That is the next thing that I want to bring up.  22:46 Tom, in any direct marketing you have to have permission to send an email. And if you don't necessarily have direct permission, you have to offer them a way to opt out of the emails that you send to them. And that includes, when you send that cold email, something at the bottom that says if you would like to unsubscribe to these emails, give them a way to opt out of that. And you also must provide and this is just good business measure you have to provide legally an address of your company on your emails. So when you send those emails out, you have to give them a way to opt out of the emails and you have to give them your business address.  23:23 - Tom (Guest) Absolutely, because you don't want the internet to give you the ban. Hammer if you're sending out hundreds or thousands of these emails at the same time. Manhammer if you're sending out hundreds or thousands of these emails at the same time. So I've heard recently that the era of spray and pray is over, but it's not just for all the marketing value pain points provide value stuff, but it's also because of the internet, as we as a people has just had it with all of these spammy carbon copy templaty desperate has just had it with all of these spammy carbon copy templaty. Desperate, aggressive, obnoxious, self-aggrandizing emails that we're getting over and over again, because we can't tell what's real and what's fake anymore when the phone rings or when an email comes in or when we see a social media post. So people are cracking down and being like we have no tolerance for this. I would rather send less emails that have more value than more emails that have more value than more emails that have value, and hope for the occasional hit.  24:13 - Anne (Host) And again, if you are sending out mass emails and that's a whole nother thing with direct marketing, not many people have the provision to send out thousands of emails at one time because most, unless you're paying for that service, which I do for the boss blast I pay for that service. I am able to send out lots of emails at a time. It's done through a server which doesn't do it all at once. And also the people that I'm sending it to have already opted in to me, marketing to them, and still, at the very least, I have to put. Here's a way to opt out and here's my business address and they only allow from my domain, the, and they only allow from my domain, the VO Boss domain. So anybody that buys a Boss Blast, you are actually getting a list that has already opted in to be marketed to and they have all the legal rights to opt out if they want.  24:58 Most people don't, because they've opted in for a reason, but it's something that I would say most voice actors can't afford because you typically pay by the contact. So my server, which is ActiveCampaign, I pay by the contact, so contact. So my server, which is ActiveCampaign, I pay by the contact. So I have a few hundred thousand contacts that I pay for in order to be able to send emails out to that, and that's not something necessarily that every voice actor has the budget to do, which is why I offered the Boss Blast.  25:22 And this isn't all just about the Boss Blast, but it's anytime you're talking about doing direct mail, quality over quantity unless you have the provision to send out quantity, which is something that I pay thousands of dollars for, and I also make sure I got all the legal ramifications for people to opt out if they need to. But you need to do the same thing on a smaller scale, and direct marketing, I feel, is one of the methods of marketing that needs to be implemented so that in combination with indirect marketing. And you've got to do it. Gosh Tom, how much percentage of your time would you say? I would say 80%, if not a little bit more when things are lean.  25:58 - Tom (Guest) Yeah, when things are slow I immediately go to market, absolutely. But when things are busy, I have learned also to keep doing my marketing. So there, aren't as many slow periods.  26:09 So, yes, direct marketing can and should be part of a balanced breakfast. That is, every voice actor. If you can get quality representation audition through your agents and managers, if you understand how to feed the algorithms of online casting sites, use them to keep the flow of auditions coming in. Direct marketing with thoughtful, value-driven emails. Indirect marketing with thoughtful, value-driven emails. Indirect marketing with thoughtful value-driven blog posts, blog entries and social media posts. You should be doing, ideally, some combination of all of these as often as you can to maximize your opportunities to get the voiceover auditions that you desire.  26:47 - Anne (Host) And always be cultivating your next client, even if you're super busy. I think that's the most important thing that I've learned over the many years that I've been in the business here is always be cultivating your next client, because your clients, even if you've had them for years and years and years, they're never guaranteed. And the best in the business will say the same. So good conversation, Tom. I think we could talk about marketing in 500 more episodes.  27:10 But I think this is a great start guys to understand that it is a necessary evil and it's not scary. It's really not scary. You need to embrace the challenge that is marketing and, again, I like to look at everything as a challenge. That's what gives me joy in my business and also one of the reasons why I did create the VL Boss Blast was because I didn't have a ton of time to do the indirect marketing, although I do that a lot too. So everybody needs a balanced breakfast of both indirect and direct marketing. And, tom, thank you again for always being such a golden nugget of wisdom in my podcast.  27:42 - Tom (Guest) Thank you, I love it.  27:44 - Anne (Host) I'm going to give a great big shout out to our sponsor, ipdtl. Yes, you too can be a boss, a real boss and find out more at IPDTLcom. You guys have an amazing week and we'll see you next time. Bye.  27:59 - Speaker 2 (Announcement) Join us next week for another edition of VO Boss with your host, Anne Ganguzza, and take your business to the next level. Sign up for our mailing list at vobosscom and receive exclusive content, industry revolutionizing tips and strategies and new ways to rock your business like a boss. Redistribution with permission. Coast to coast connectivity via IPDTL.   

Ever wake up Monday regretting how much you spent over the weekend? Today Clark re-examines the no spending trend through a needs-vs-wants traffic light lens as a smart way to think about spending.  Also today  - Travelers are being heavily targeted at ATMs & check outs. Clark shares an easy way to protect your wallet and identity when out & about - and why this is necessary now more than ever.  Mindful Spending: Segment 1 Ask Clark: Segment 2 ATM Pickpockets: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Should you buy it? If you answer 'yes' to these questions, probably not What Can I Safely Use for Peer-to-Peer Payments? Can I Use an Online Will Maker or Do I Need an Attorney? How To Create a Will Online  /  Wills & Funerals Archives How To Freeze and Unfreeze Your Credit With Experian, Equifax & TransUnion NYTimes: Help! A Pickpocket Used My A.T.M. Card, and Citi Won't Cover It. Unpack these cybersecurity tips for a stress-free vacation Why It's a Great Time To Get a Cheap Ticket to Europe How To Pack a Carry-On the Right Way Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Cisco reveals a phishing related data breach. SonicWall warns users to disable SSLVPN services after reports of ransomware gangs exploiting a likely zero-day.  Researchers uncover a stealthy Linux backdoor and new vulnerabilities in Nvidia's Triton Inference Server. A new malware campaign targets Microsoft 365 users with fake OneDrive emails. The U.S. Treasury warns of rising criminal activity involving cryptocurrency ATMs. Cloudflare accuses an AI startup of using stealthy methods to bypass restrictions on web scraping. A global infostealer campaign compromises over 4,000 victims across 62 countries. Marty Momdjian, General Manager of Ready1 by Semperis, tells us about Operation Blindspot, a tabletop exercise taking place this week at Black Hat. On this week's Threat Vector segment, host David Moulton speaks with ⁠Nigel Hedges⁠ from ⁠Sigma Healthcare⁠ about how CISOs can shift cybersecurity from a technical problem to a business priority. One hospital's data ends up in the snack aisle. Remember to leave us a 5-star rating and review in your favorite podcast app. Miss an episode? Sign-up for our daily intelligence roundup, Daily Briefing, and you'll never miss a beat. And be sure to follow CyberWire Daily on LinkedIn. CyberWire Guest We are joined by Marty Momdjian, General Manager of Ready1 by Semperis, who is talking about Operation Blindspot, a tabletop exercise simulating a cyberattack against a rural water utility based in Nevada taking place this week at Black Hat USA 2025. Threat Vector Segment On this week's Threat Vector segment, host David Moulton speaks with ⁠Nigel Hedges⁠, Executive General Manager of Cyber & Risk at ⁠Chemist Warehouse⁠ and ⁠Sigma Healthcare⁠. Nigel shares how CISOs can shift cybersecurity from a technical problem to a business priority. You can listen to the full discussion on Threat Vector here and catch new episodes every Thursday on your favorite podcast app. Selected Reading Cisco discloses data breach impacting Cisco.com user accounts (Bleeping Computer) SonicWall urges admins to disable SSLVPN amid rising attacks (Bleeping Computer) Antivirus vendors fail to spot persistent, nasty, stealthy Linux backdoor (The Register) Nvidia Triton Vulnerabilities Pose Big Risk to AI Models (SecurityWeek) Discord CDN Link Abused to Deliver RAT Disguised as OneDrive File (Hackread) Crypto ATMs fueling criminal activity, Treasury warns (The Record) AI company Perplexity is sneaking to get around blocks on crawlers, Cloudflare alleges (CyberScoop) Python-powered malware grabs 200K passwords, credit cards (The Register) Thai hospital fined 1.2 million baht for data breach via snack bags (DataBreaches.Net) Audience Survey Complete our annual audience survey before August 31. Want to hear your company in the show? You too can reach the most influential leaders and operators in the industry. Here's our media kit. Contact us at cyberwire@n2k.com to request more info. The CyberWire is a production of N2K Networks, your source for strategic workforce intelligence. © N2K Networks, Inc. Learn more about your ad choices. Visit megaphone.fm/adchoices