1931 film by Archie Mayo
Have you ever wondered what it might be like to have your own Automated Teller Machine (ATM)? Very few people know that the ATM business can be profitable. The opportunity for investment in this asset class can provide strong cash flow returns. It's a great source of passive income through depreciation. No wonder Coach Mark Haruguchi invested in not just one but 48 ATMs. But like every investment, you have to make sure you understand what the business is all about. First, you have to understand your Investor DNA to know what type of investments will work best for you. Listen to today's round table to find out if the ATM business model is for you. -- Want to go even deeper into the conversation? Join our IBC Inner Circle Group membership and gain access to our live podcast recordings, interactive Hot Seat guests on the topics, and exclusive Q&A sessions with other members and our coaches. Join here:https://wwws.link/inner-circle-sign-up ( https://wwws.link/inner-circle-sign-up) Start Your Journey to Financial Freedom: https://go.wealthwithoutwallstreet.com/passport (https://go.wealthwithoutwallstreet.com/passport)
Army veteran Marcus Flowers is running against Marjorie Taylor Greene as a Democrat in Georgia's 14th district and tells Molly Jong-Fast why he chose to run against the MAGA maniac and the reason death threats from QAnoners don't scare him. Plus, David Drucker, senior political correspondent at Vanity Fair and author of the forthcoming book In Trump's Shadow, reveals dirt on Tom Cotton (that makes him look good?) and the author of The Cruelty is the Point, Adam Serwer, answers an important question: Would Ron DeSantis be a crappier president than Trump?If you haven't heard, every single week The New Abnormal does a special bonus episode for Beast Inside, the Daily Beast's membership program. where Sometimes we interview Senators like Cory Booker or the folks who explain our world in media like Jim Acosta or Soledad O'Brien. Sometimes we just have fun and talk to our favorite comedians and actors like Busy Phillips or Billy Eichner and sometimes its just discussing the fuckery. You can get all of our episodes in your favorite podcast app of choice by becoming a Beast Inside member where you'll support The Beast's fearless journalism. Plus! You'll also get full access to podcasts and articles. To become a member head to newabnormal.thedailybeast.com See acast.com/privacy for privacy and opt-out information.
Going live to discuss my bullish thesis on Coinbase stock and why I think the company could be worth $1T in the long-term, and has significant potential to reinven the global financial system. I bought some shares today (sold my Square stock). Going live to document the journey and explain my thinking. Remember, nothing in this show is financial advice.
Did you know that 3 out of 4 women in the U.S. have access to legal cannabis? Yet buying weed can still be intimidating. In case you don't have a friend you can bring with you to a dispensary, Monica Lo is the California based chef, photographer & creator of cannabis food blog Sousweed, shares her story to help you feel more comfortable. Hosted by Ellen Lee Scanlon Sign up for our newsletter at dothepot.com Follow us: IG: @dothepot FB: @dothepot Pinterest: @dothepot LinkedIn: How to Do the Pot Twitter: @dothepot --- Send in a voice message: https://anchor.fm/htdtp/message
What if we told you 25 out of the 26 cities and counties that received at least $1 million from Zuckerberg's $420 million donation to the Center for Tech and Civic Life, were won by Biden in 2020? A new report from The Federalist confirms what we've been saying on this show for a long time, that Zuckerberg's hyper partisan election rigging scheme of private grants in public elections had a likely consequential impact on the 2020 election in key swing states and counties. How did this funding model change the way certain counties did elections in 2020? Can we affirmatively determine that it caused a change in the results? Charlie has the analysis for you and then, finally, Charlie documents the blockbuster reporting from DailyMail that Joe Biden and Hunter Biden shared a bank account which could embroil Joe Biden in Hunter Biden's FBI investigation. Support the show: http://www.charliekirk.com/support See omnystudio.com/listener for privacy information.
Excited to share with you two high yield dividend stocks I just bought and one that I definitely will not be buying. We also discussed why I like Ethereum and a whole bunch of other nonsense that crossed my mind. Cheers! How I became a dividend growth investor - https://youtu.be/lWZ77eo4Zpk "The Bridge" Dividend Growth Portfolio - https://www.digrin.com/portfolio/5111-the-bridge/ This is not financial advice and my opinion may have changed based on new information after the recording of this episode. #Verizon #Dividends #Ethereum
Reformer Ferrell Fellows joins the Reformers Collective podcast with Becky Hennesy to discuss how she has a goal to take dominion over parts of the Dallas (Texas) area one neighborhood block at a time. While "taking dominion" is not a new concept among many in Charismatic believer circle, it's HOW she's doing it that grabbed Becky's attention. With a family business background in real estate and now a trained professional herself, Ferrell heard God tell her one day to start buying up houses in tough neighborhoods. Drug houses. Trap houses. Sex trafficking houses.That's literally and physically "taking dominion" over places where spiritual darkness has sunk its deadly claws in the lives of people for decades in the inner city. This episode unpacks how Ferrell is using her gifts and leverage as a businesswoman to spark true transformation and reformation in her home city of Dallas. The Reformers Collective podcast is part of the expanding Charisma Podcast Network (CPN). Click here to visit the CPN main page. While at CPN, look for additional Reformers Collective resources such as Becky's blog articles on the topic of reformation.The clarion call is simple for the entire Reformers Collective movement. Becky says "it's time to bring godly solutions to earthly problems!" That single sentence is the fuel that drives her passion to see reformation in her generation and beyond.Becky and her growing network of reformers is hosting the first annual Reformers Collective Conference Oct 18-19 at Trinity Church in Cedar Hill, Texas. Click here for details and registration information.
This is a show that dives deep into life- changing biblical truths, with a focus to help facilitate change. I am dedicated to bring forth consistent content that allows God to take the helm. " Not my will, but yours be done" Church locator : https://www.upci.org Home church website: http://www.pentecostalsofdeland.com/
In today's episode of Discount Property Investor Podcast, David Dodge and Mike Slane did a walkthrough of a property they just bought without using their own money. It's a 3-bedroom 1-bathroom with a little carport house. Check this episode if you're planning to buy a rental property.
In this episode I will share with you the three basic requirements all businesses need to master to be successful... You will learn how to protect the investment in your new agency by building relationships with your new clients. Learn why your new clients should be the foundation of your agency.Here are the links to the podcast episodes discussed in this episode...Don't Be Too Busy To Be Successful - Control Your DayBe Successful On Purpose - Have GoalsBeing Unique Can Make You Competitive When Your Price Isn'tHelp Your CSR Be IrreplaceableIf You'd like to discuss this or any other topic don't hesitate to set a one-on-one phone appointment. Let's Get it on the calendar ... https://calendly.com/yourtimeyourgoalsyouridentity
ADI update.Charlie Munger bought more Alibaba.Why I bought Prosus and Naspers.Value stocks versus wonderful businesses.Warren Buffett 1950s impression.How I plan to decide when to sell Ring Energy.Pineapple personality.Resources:10 Ways To Become A Better Value Investor - https://afterdinnerinvestor.com/10-ways-to-become-a-better-value-investor/ Charlie Munger's Firm Doubled Down on Its Alibaba Investment - https://www.barrons.com/articles/charlie-munger-alibaba-stock-51633627243First Look at Tencent and a Lazy Tencent Stock Valuation - https://youtu.be/mW1v98cz_I0Naspers Has a $100 Billion Headache - https://www.wsj.com/articles/naspers-has-a-100-billion-headache-11618738200Prosus net asset value - https://www.prosus.com/news/net-asset-value/More ADI:Blog - https://afterdinnerinvestor.com/Newsletter - https://afterdinnerinvestor.substack.com/YouTube - https://www.youtube.com/channel/UCI4soDcgEYnJhhrsT0MqIDg
The Ramsey Call of the Day is a quick, daily dose of advice on life and money in under ten minutes. Hear from experts like Dave Ramsey, Ken Coleman, Rachel Cruze, Christy Wright, Dr. John Delony, and George Kamel. Part of the Ramsey Network. Delivered to you five days a week.
LinksTwitterShow PartnerThis episode is presented by FTX. Trade on an awesome mobile interface fee-free, and still get all the great portfolio tracking features you know and love: https://uponly.tv/ftxShow NotesIntroduction– Path has never had a job– Ledger: “You basically went from being a child, to retired”– Ledge wants to bring Teen Executive back on to teach him a lesson– Path bought Bitcoin on the run up in 2013 around $100– Went to $250 then dropped to $50 in 3 days– Largest red candle ever? 80%?2014 Alt Coins– Feathercoin, BlackCoin– Ledger bought BlackCoin in 2017 lmao– BlackCoin was the best pump cause it ripped like 10x, then WhiteCoin pumped right after– Do not hold something longer than the 1st pumpPath's Convictions– Had a lot of ETH back in the day but sold early– Then built a large position in the 2019 bear market– Path: “High fees are bullish”– For Ethereum, you're paying for the security– A lot of volume will shift to layer 2 in the coming yearsZcash– Path was high conviction ZEC early on– It has really been down only since then– Zooko (Zcash creator) mentioned in the white paper– Military very interested in Zk-SNARKs– for 60 IQ newbs, Zk-SNARK = Zero-Knowledge Succinct Non-Interactive Argument of KnowledgeTezos– Path fudded Tezos a bit for NFTs back in May– The founder quote-tweeted him and got pissed– Path: “Tezos as an investment isn't great really”– Path: “Tezos is definitely the second best chain for NFTs after ETH”– Chat: “How can you say Tezos is the second best NFT chain when Solana exists?”– Path: “Tezos has actual art!” he likes the artNFTs– CryptoKitties took off 2017 peaks– Rare Pepes were even before that– CryptoPunks prob still a great buy– Axie Infinity is paying people more than minimum wage in their countries– Path: “Axie Infinity is only the first one of these metaverse games”– Path: “Save your money and wait for the big collections to come along”– Path: “Eventually all artists will come to NFTs, even if they hate it now”– 1/1s have performed very well– MekaVerse is the biggest NFT drop maybe ever, comes out in 45 minNFD– Path fractionalized the fiesty DOGE picture– Now has a market cap of 8,700 ETH ($31M) – that's a very profitable day– PleasrDAO fractionalized the original DOGE picture– Bought for $4M, now worth $250M– Cobie: “Why is dog money a thing at all?”– It shows that memes have real valuePath soothingly talking and Ledger casually charting in the backgroundCobie: “It's pretty cool how Sam is the richest person under 30 and he just replies to your DMs and tweets”Trading– Cobie: “Do you still trade or are you just a collectooor?”– Path: “I've been trading still, mostly NFTs”– Still likes Bitcoin, longer ETH– ETH will go sideways before $4k, then in a month or two you lever up on a dip and watch it rip– Bitcoin probably runs first, then others after– Path: “ETH chart looks good… going to $20k easy”– Path: “This is the supercycle I don't think these bleed out anymore”Urbit– Been in development since 2002– Your ID is locked to a planet or star– You can buy planets, stars, and galaxies– It's all about decentralizing everything and not being at the mercy of Microsoft or Apple or anything– Path: “It's a great idea, it's a really interesting idea”– Path: “This is the next big thing after NFTs and metaverse and stuff, you guys will be on this in like 5 years”Asset Name TopsBitcoin – $250kEthereum – $80kSolana – $500Cardano – $20Chainlink – $400Zcash – $5000LUNA – isn't that a stablecoin?AAVE – $1000BNB – $2000FTT – $300TSLA – $0GME – $1000UK Gas Prices – ???Floor Punk – 300-400 ETHXTZ – $50XRP – $3Other Chat Questions– The land produces Axies and Axies themselves are yield generating so its like a double– AVAX is good but you're getting dumped on by funds– Honoraries are given to be sold– OpenSea will likely do a tokenFINAL ALPHA– Path: “Just be yourself”– Cobie: “What about if you suck?”– Path: “Get better”Notes by KevinMusic by GiovanniPickle
Open. Why Are Women Always Cold. Dodgers vs. Giants Wager. A.D.D. News. Oops I Stole It. A.D.D. News. Wactkivism: Pen Shortage. Klein's Meal Schedule. Biggest Thing You Paid For In Cash. A.D.D. News. Rude Feud: What Not To Say About Someone's Halloween Costume. Lezbihonest. Circumcision Caller. See omnystudio.com/listener for privacy information.
What did you accidentally buy while drunk? Join Intern John, Riley, and Rose as we learn about John's drunk bidding on a gold cigar and also talk about how digital fashion is already expensive! Why is John getting a +1 for Lyric's birthday party, but didn't for Riley's wedding? Plus an all NEW War Of The Roses and YOUR Ventsday calls! All that and more on Your Morning Show for today!Make sure to also keep up to date with ALL of our podcasts we do below that have new episodes every week:The Thought ShowerReally RileyLet's Get WeirdCrisis on Infinite PodcastsBlake & Erick Podcast
Did you know that 3 out of 4 women in the U.S. have access to legal cannabis? Yet buying weed can still be intimidating. In case you don't have a friend you can bring with you to a dispensary, Danielle Simone Brand is the Colorado-based author of the book Weed Mom: The Canna-Curious Woman's Guide to Healthier Relaxation, Happier Parenting, and Chilling The F Out, shares her story to help you feel more comfortable. Hosted by Ellen Lee Scanlon Sign up for our newsletter at dothepot.com Follow us: IG: @dothepot FB: @dothepot Pinterest: @dothepot LinkedIn: How to Do the Pot Twitter: @dothepot --- Send in a voice message: https://anchor.fm/htdtp/message
It's listener questions time! On this episode, Ryan, Taylor, Graham, and Joe gather around their respective microphones to answer your lovely inquiries. You can find the full list of questions that we discussed down below: 1) Is playing for your club more or less valued than playing for your country? 2) Why hasn't someone bought FC Barcelona? 3) Who are some players whose off-field actions make it challenging to root for them on the field? 4) If nutmegging the goalkeeper with a shot counted as two goals, how would it change soccer? 5) What are the most important factors for FIFA to consider when evaluating potential 2026 World Cup host cities? 6) Will Sydney Leroux ever play for the USA again? Sponsors! BetterHelp! Unload stressors and get some unbiased feedback with BetterHelp. Head to betterhelp.com/TSS to get 10% off your first month! American Giant! Get 15% off your new favorite tees at american-giant.com/TSS! Wealthfront! To get your first $5,000 managed for FREE, for life, go to wealthfront.com/TSS! MyFitnessPal! Start your Premium Membership right now at tss.myfitnesspal.com and use code TSS to get a one-month premium membership for free! Indochino! Get $50 off any purchase of $399 or more by using code TSS at Indochino.com, Canva! Right now, you can get a free 45-day extended trial when go to Canva.me/SOCCER! Learn more about your ad choices. Visit megaphone.fm/adchoices
✅ If you want a step-by-step guide on investing out-of-state to find cheap rental properties, check out our course Remote Rental Riches! https://courses.digitalnomadquest.com/p/remote-rental-riches In this episode we are going over our latest project. It is a moldy house we are buying for $125,000 and we are already seeing complications! We are documenting the process and seeing how it's going to go as we renovate this. Let us know in the comments if you think this will fail or not haha. -----------------------------
How fast can you close a business deal? Considering the paperwork and negotiation involved in traditional business transactions, it can take weeks or even months. But the world is rapidly changing, and international businesses are moving faster than ever before. Business deals can now happen through a mobile device or a computer and more companies are turning to cryptocurrency as an alternative payment solution. In today's episode, Sharran will walk us through the fastest business acquisition he has done. Listen to how he and his business partner, https://highstatus.com/bio-page1608335026401 (Jason Capital), bought a business in 37 minutes and generated revenue minutes after completing the transaction. DM https://www.instagram.com/sharransrivatsaa/ (Sharran on Instagram) if you want to utilize Crypto to invest in their funds and deals! “I'm really good at investing in companies and buying assets because I've lost a lot of money doing it, so I know all the ways you shouldn't do it.” - Sharran Srivatsaa Timestamps: 00:00 The downside of doing traditional business deals 03:20 This is what makes Sharran really good at buying assets 04:10 The partnership between Jason Capital and Sharran 06:35 What can you accomplish in 5 minutes 07:10 Conversation around Price and Terms (including settlement via Crypto) 09:59 Involving a mutual 3rd party broker to finalize the deal 13:37 How the 37-minute process looks like 15:46 Earning revenue within minutes from acquiring the business 16:32 The importance of trust when entering into business transactions Resources: - https://sharran.com/4weekmba/ (Grab Sharran's 4-Week MBA for Free) Connect with Sharran: - https://www.sharran.com/ (Website) - https://www.linkedin.com/in/sharran/ (LinkedIn) - https://www.facebook.com/likesharran (Facebook) - https://www.instagram.com/sharransrivatsaa/ (Instagram)
Moorit, a new crochet magazine and the Garter Squish obsession are the topics this week. Plus, the Two Ewes are back at their respective homes and we talk about how it is going now that we are back to our “real lives”. Subscribe on Apple Podcasts or Subscribe on Android or Subscribe on Google Podcasts We still have a 3 Green Sisters coupon code EWES2 for 15% off. Marsha's Projects Atlas (Ravelry link) by Jared Flood using Navia Tradition. The pattern is also available at his website. No movement on this project. Nanny Meier's Tea Cozy by Amelia Carlsen. I am using Cascade 220 Heather in Red Wine Heather (9489) and green Irelande (2429). Bought shorter straight needles because mine were too long and kept hitting the arms of my chair. Bought needles at Seattle Recreative located in the Greenwood neighborhood that sells used crafting materials. I need to borrow Brian's teapot to know when to start decreasing for the top of the tea cozy. Garter Squish Blanket by Stephen West. Lots to report here! I am knitting with the third of nine balls of the background gradient and the seventh contrasting color. This blanket is so addictive! I needed to dye about 600 more yards of yarn of the contrasting color so bought 3 skeins of Cascade 220. I dyed them yesterday afternoon and I think the colors are gorgeous. Kelly's Projects Dark Green Forest by Christina Korber-Reith. I'm making progress on the second sleeve. Faye's Flower Blanket, made with the Persian Tile Blanket pattern by Jane Crowfoot is almost done. I have an October 6 deadline for the birthday girl! I have triangles to crochet onto the edges and then the border. New Crochet Magazine Moorit Magazine has launched! Crochet along to celebrate Alyson's great adventure! (Alyson of Keep Calm and Carry Yarn podcast) Winter Weave Along Starts October 15 and goes through the end of March. Three Green Sisters are offering Fiber Adventurers a coupon code EWES2 for 15% off until the end of the year. They also make custom loom totes, spinning wheel carriers and spindle and heddle bags, along with one of a kind styles. Take a look at what Suzanne and other 3 Green Sisters are offering in their 3 Green Sisters Etsy shop.
This week on episode 157 of The Walt Vault, we are talking about the 2011 live-action 20th Century Fox film We Bought A Zoo! We talk about Matt Damon and Scarlet Johannsen's odd chemistry, bad parenting, the practicality of owning and operating a zoo, lions, tigers, and bears oh my! Check out our BRAND NEW MERCH on Bonfire! Find the video version on YouTube! Follow us on social media and subscribe to the show on your favorite platform to hear us every 2 weeks! All our Links: https://linktr.ee/Thewaltvault Twitter: @thewaltvaultpod Instagram: @thewaltvaultpod Facebook: The Walt Vault Subscribe on: iTunes, Stitcher, Google Play, Youtube, Spotify, Anchor Our website is: thewaltvaultpod.com Email: email@example.com Become a Patron on Patreon and get access to our After Show for only $1 a month!! --- Send in a voice message: https://anchor.fm/thewaltvault/message Support this podcast: https://anchor.fm/thewaltvault/support
Concetta Caristo joins us to talk Byron Bay Facebook marketplace, Ben has a health scare and Hing finally buys an expensive spinning top. This ep is brought to you by our mates at Rode, check them out here www.rode.com Get bonus content on Patreon See acast.com/privacy for privacy and opt-out information.
Watch the video!https://youtu.be/GzS2v-AyhaUIn the News blog post for October 1, 2021:https://www.iphonejd.com/iphone_jd/2021/09/in-the-news597.htmlThe Cinematic ThirteenDo U Work with iWork?Quick Switch KeyboardsBONUS #1: Meshing around with Wi-FiBONUS #2: Warning-Be careful which iMessages you iDeleteBrett's Apple Watch Tip: Customize Your Workout ViewJeff's iOS 15 Tip: Drag and Drop Between Apps on the iPhoneJeff's iPhone 13 Pro Review: Better cameras, better screen, better battery lifeDavid Sparks: Testing the iPhone 13 Pro Cameras at DisneylandLeander Kahney: iPhone 13 Pro truly is the Goldilocks phoneJason Snell: iWork comes alive with Keynote live-video featuresJeff's Review: Logitech MX Keys -- full-size Bluetooth keyboard for computer, iPad, and iPhoneJeff's Review: eero Pro 3-pack -- blanket your home with fast Wi-FiJuli Clover: Warning: Be careful which iMessages you iDeleteBrett's Apple Watch Tip: Customize the Workout View on your Apple Watch. On your iPhone go to the Watch app - Workout - Workout View, then pick which workout you want to customize. Then you can select which items you want to view on your Apple Watch. For my “Outdoor Run” I like to see Duration, Heart Rate, Current Pace, and Distance. When I'm in “Hiking” I like to see Current Elevation and Elevation Gain. Bonus: when you're in workout view, you can turn the Digital Crown to “highlight” one of these metrics with a color which makes it easier to see. Jeff's iOS 15 Tip: Drag and Drop between apps on an iPhone - works with photos, URLs, documents (e.g. from a list in the Dropbox app), etc. Here's a video demonstration from Marcos Alonso, a human interface designer at Apple: https://twitter.com/malonso/status/1439999537133678593 Brett Burney from http://www.appsinlaw.com Jeff Richardson from http://www.iphonejd.com
Did you know that 3 out of 4 women in the U.S. have access to legal cannabis? Yet buying weed can still be intimidating. In case you don't have a friend you can bring with you to a dispensary, Stacy Zeal, the CEO of maryzeal.com and the host of the High on Self-Care Podcast, shares her story to help you feel more comfortable. Hosted by Ellen Lee Scanlon Sign up for our newsletter at dothepot.com Follow us: IG: @dothepot FB: @dothepot Pinterest: @dothepot LinkedIn: How to Do the Pot Twitter: @dothepot --- Send in a voice message: https://anchor.fm/htdtp/message
The crew continues on their safari adventure to find Kettle's Mandalore hideout. Transcript Not Yet Available Content Warnings Sexual suggestions and scenarios Drug and alcohol use Strong Language Violence, injury, death Music Credits Dusty by Crowander is licensed under a Attribution-NonCommercial 4.0 International License. https://freemusicarchive.org/music/crowander/acoustic-miniband-acoustic-minimals/dusty Dirt Road Traveler by Jason Shaw on AudionautiX is released under Creative Commons Attribution 4.0 International License https://audionautix.com/Music/DirtRoadTraveler Western Streets by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4617-western-streets License: https://filmmusic.io/standard-license Deadly Roulette by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/3625-deadly-roulette License: https://filmmusic.io/standard-license Woke up this Morning (TP 53) by Till Paradiso is licensed under a Attribution-NonCommercial-ShareAlike 4.0 International License. Hyperfun by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/3891-hyperfun License: https://filmmusic.io/standard-license Stalking Prey by Jason Shaw on AudionautiX is released under Creative Commons Attribution 4.0 International License Audionautix.com Intense Suspense by Jason Shaw on AudionautiX is released under Creative Commons Attribution 4.0 International License Audionautix.com
Text me your stock market questions. Will try best to get back to them for you! https://financialeducationjeremy.com/text-jeremy Apply for my Private Stock Group with this link https://bit.ly/2W53U1NMy Website https://financialeducationjeremy.com/ Follow me on Instagram - https://www.instagram.com/financialeducationjeremy Link to join us in StockHub https://financialeducationjeremy.com/stock-hubThis is where you can chat for free with other investors in the stock market about stocks or things going on in the market. Enjoy! Happy Wednesday and welcome into the Financial Education Channel! Today has been a busy day for me in the stock market. Deciding what stocks to buy now has been crazy! I did buy stocks but I also bought options on certain stocks. So I was definitely buying stocks today and it might continue until tomorrow! So in this video, I will tell you about the stocks that I bought directly. I will also explain to you about the stock options I bought. I also will tell you my break even price on the options and what will happen if the stock price goes up more than my break even price. Hope you enjoy this video! I did have fun making this video because I did buy more stocks today! Smash the thumbs up button before you leave. Subscribe to the channel for my stock market related videos! Leave me a comment with stocks that you bought today. Also let me know what stocks to buy. Let me know if you think these options were a good idea or not. Financial EducationThis is a Jeremy Lefebvre ProductionCreated by Jeremy Lefebvre LMK if you know any stocks to buy now or stocks to watch!
The Ramsey Call of the Day is a quick, daily dose of advice on life and money in under ten minutes. Hear from experts like Dave Ramsey, Ken Coleman, Rachel Cruze, Christy Wright, Dr. John Delony, and George Kamel. Part of the Ramsey Network. Delivered to you five days a week.
Beyond grateful- we've officially closed on 40 acres and a home! Get ready to listen to me walk through the entire process of our most recent transaction of buying back the original 40 acres that were in my family for many generations. What was once my great grandparent's farm - is now back in the family with some luck and the courage to purchase it. We talk about how we made it happen, the financing, 30 yr mortgage, and much more. https://linktr.ee/TheLandPodcast https://linktr.ee/exodustrailcameras --- Send in a voice message: https://anchor.fm/the-land-podcast-hofer/message
Our most exciting episode yet - Host Isaac Smith interviews the buyer of his eCommerce business.Steven Pflaster shares why he chose to buy Isaac's drop shipping store. You'll learn what he looks for in businesses, and how he's growing the store beyond the level Isaac did.Steven and Isaac talk about the details and emotional side of the deal, and going through migration. They discuss how the business is performing now, and Steven's plans for the future.This is a surprisingly honest and transparent discussion of buying businesses, from both the buyer and seller's perspective.Listen now to hear the real story of buying a successful drop shipping store.Show notes can be found at:http://nextlevelecommerce.coWant to sell your eCommerce business? Ian Bond and his network of investors may be interested.Contact Ian - firstname.lastname@example.org
Hey kids! It's time for another exciting adventure with the Keepers Of The Fringe! What will the Keepers be discussing in this episode? Tune in to find out! Topics discussed in this episode include: Updates on The Witcher from Netflix. Updates on the upcoming Spawn movie from Todd Mcfarlane. Updates on the reboot of Night […]
Tune in now to hear about our home buying process. Becoming homeowners has been one of our biggest goals. We've worked so hard for this and I couldn't be more proud of us. This transaction was truly orchestrated by God. The way it so flawlessly fell into place, we have to give God all the glory. I can't wait for you guys to hear all the back story about how we did it. This is just the first of many so make sure you stay tuned!•
Do you want to create a machine that ensures agency growth? David Butler was working as a special ed teacher when he decided to try his luck in the real estate business. He later created an agency looking to reinvent himself during the 2009 financial crisis. With Jason's help, he was able to grow and ultimately sell his business. David now enjoys a new lifestyle and focuses on his family. He joined Jason on the podcast to talk about how he implemented the "Netflix model" to prevent client cancellations, how he streamlined the company's hiring process to put the right people on the right roles, and how making a white label agreement with a larger company was the key to really grow his agency. 3 Golden Nuggets Creating a machine. Once David started to see his agency grow organically from his first apartment management company client, he implemented the “Netflix model” where he charges a very competitive fee to make sure the agency won't lose customers. How did he keep it profitable? “I figured property managers would be so busy they wouldn't utilize us all the time,” he says, “But they would still need us.” Of course, he made sure to estimate how many clients they could handle. Streamlining the hiring process. Being a big believer on the principle of hiring your weaknesses, David hired a local company to take care of the customer service and clients are continually amazed by how quickly they get a call back. He also believes in the importance of putting the right people on the right positions and made sure to create a hiring process that would eliminate unfit candidates. “It's stupidly simple,” he told Jason. The big change. The Netflix model failed when it came to hiring a highly paid sales team. This is when he started considering a white label agreement with a larger company. It was not easy, the entire process took about two years. However, this company had 350 sales agents and this was the key to the growth. Now, his agency was taking 100-200 new clients each month and he could continue to focus on hiring the right people. Gusto: Today's episode is sponsored by Gusto, an all-in-one people platform for payroll, benefits, HR where you can unify your data. Gusto automatically applies your payroll taxes and directly deposits your team's paychecks, freeing you up to work on your business. Head over to gusto.com/agency to enjoy an exclusive offer for podcast listeners. Subscribe Apple | Spotify | iHeart Radio | Stitcher | Radio FM White Label Your Sales Team to Create a Machine and Streamline Your Hiring Process Jason: [00:00:00] What's up, everybody? Jason Swenk here. And I got one of my friends that ran an amazing agency for a number of different years. Now he went from being a special ed teacher to owning apartments, to owning an agency, to selling it. And now he's financially free and just travels and does what he does and has a ball doing it. And today we're going to talk about his journey. So possibly you can learn a couple of little nuggets from him and do the same thing. So let's go ahead and get into the show. Hey, David. Welcome to the show. David: [00:00:38] Hey, Jason. Good to see you. Jason: [00:00:39] Yeah, man. I'm excited to have you on and uh, and tell your story. So, you have a pretty fascinating story that always amazed me and everyone else that heard it. So, and I'm not going to give you justice on telling it. So tell us kind of who you are and tell us a little bit about that trajectory from special ed teacher, apartment, to owning an agency and then selling it. David: [00:01:02] Gosh, I'll try to keep it into a nutshell. I was a high school special ed teacher for about 10 years and coaching high school sports and then a good friend of mine gave me the, um, the really famous old infomercial Carleton Sheets… Uh, how to buy real estate with no money down. And, uh, I listened to it on cassette tape in my car as I drove to work and I use the basis of that to buy my first house in England of all places. And it was a real, uh, let's just say fixer-upper. And, uh, so we fixed that up and we sold it, I was teaching special ed there. Came back to the US and bought my second house and bought another three houses with that and a fourplex. And I was still teaching high school. Then my buddy said, hey, think you got some skills here. Let me introduce you to some people. So I got a couple of angel investors together and, uh, we start buying apartments in 2004 or five. Bought apartments for about three years, all in Arizona. Bought a few thousand apartments. And that's where I, through the process of buying and owning and asset managing the apartments I kind of... Well, and then the 2008, uh, downfall, right? 2009. You know, we were doing amazing until then and then, uh, everything crashed. I distinctly remember 2009 with my friend who got me into everything. He was like, man, I'm really sorry I got you into all this. As we were talking about our loan workouts and stuff. And I said, yeah, I said, I got to make some other lemonade, man, because this lemonade isn't working for me. That's when I looked around and I just really kind of discovered… Websites were kind of new for apartment buildings back then. Not everyone had them. And so I started getting into the technology world of apartments and that industry of managing and operating and operational of apartments. And I was like, I kept on asking our, um, my own property managers and stuff to manage our social media. And, uh, they would just never do it, right? Like they couldn't do it. They're too busy to do it. I was like, I got to hire someone to do this for me, right? And so I looked around. I looked at other agencies and you know, they were going to charge me like a couple thousand dollars a month or something to manage the social media for my parcel. That's like nuts, right? Like I can do this for better and cheaper. So that's how I started my first marketing agency, right? Like, I didn't know anything about owning an agency or anything. I just started to do it myself. Jason: [00:03:49] Yeah. And talk about how it progressed. And I loved what you used to charge. And I used to kind of get onto you. But obviously, I mean, I literally would try to make an example out of you of how little you actually charged, and then you were a volumes game. So talk a little bit about that. David: [00:04:07] Yeah. So I had one employee and we were running the social media, you know, Facebook mainly for my six apartment communities. And the property management company that had about a hundred apartment communities under their management said, hey, can you start doing this for our other clients? And so that's how it kind of started to organically grow. Was, you know, then we went from like, you know, 10 clients to 20 to 30, 40, and I just said, you know what? I'm just going to make it so cheap that people will sign up and they'll just never cancel. That really was the play. It was just straight-up Netflix type of play, right? It's just like, so we charge $99 a month, right? It was just classic. Under the hundred. So that anytime anyone would think about canceling they'd be like, wait, the property manager would be like, wait a minute… That means I gotta do it, then? Like for 99 bucks, they probably paid out of their own paycheck for us to do it for them, right? Just so they wouldn't get in trouble with the owners and their bosses for not keeping it up to date, right? So that was the play. I mean, it was just a straight-up $99 play. Yeah. Jason: [00:05:23] Yeah. And I remember just being like David, if you could just raise the prices and then obviously, you know, you're like, dude, we're a factory, we're a machine. We just have all this. And, and now knowing you like, it would be stupid for someone to cancel, which is such the opposite. That's why I wanted to have you on like talk to you about like... What was that mentality around it? Because there's a lot of people listening that may be in the same boat of going I want it to be like, I'd never want to lose a client because it'd be stupid. But I also want it to be like, I want to create a factory like this machine. So how did you make sure that it was profitable? And how did you create this machine? Because you had a lot of people too. David: [00:06:06] Boy, that's a good question. I mean, again is kind of based on the Netflix kind of play, right? I knew that property managers in that were just so overwhelmed that they probably wouldn't utilize us as much as they thought they would, but they still needed us. And so I knew some people would, it's just like Netflix. There's probably some people that binge Netflix, you know, a hundred hours a month. And there's probably people that don't watch one hour a month, right? But the people that don't watch one hour a month don't ever cancel because they just want it there. So when they do want to watch it, right? So it was like that. I mean, I never went to business school and never got an MBA, you know, any of that stuff. So, I mean, it was really kind of back of the napkin, just like, hey, how many hours, how many clients do you think someone can manage? Like, it was really, you know, it was not fancy and the, hey, is this profitable or not? It was just like, yeah, I think I can make it work. Jason: [00:07:09] What were some of the things that helped you build the agency and get it to a level where… in a little bit, we'll talk about, you know, the process of selling it and what's life like now. But what were some of the things that helped you along the way? Like from the different people that you've hired on the management team that kind of stuff. David: [00:07:28] Yeah. So I would say there's a few, really big things. One was, uh, I've been a member of Entrumpeneurs organization for since, uh, 2007 and being a part of that organization has been life changing, right? Being around the other entrepreneurs and learning from their mistakes and learning to build on my strengths versus tackling my weaknesses. That's been like... Hire out your weaknesses, do what you're good at and hire out the weaknesses. Like if they only taught that in school, right? I think that was a key. And then also one of the foundational pieces of my company was building what we did around Wow Customer Service. So the Zappos model, also a Ruby receptionists, a local company. We amaze people by answering the phone when it rang, like with a live person. And we responded to emails like… Our customer service, our ticketing. We would respond within 20 minutes, right? And in the apartment industry, that was just unheard of in the vendor piece. Like you would send out an email to people's customer service and not hear back for a week. And so people would hear back from us within 10, 20, maybe five minutes, right? And they would like, when they called, like, they'd get a live person. Like they were just amazed. And we were actually hopeful. We hired people that love to help people. Like it was stupidly simple. Jason: [00:09:10] It's kind of like, like, you know, people ask, I think like Walt Disney was like, how do you get people to smile all the time? He's like, well, I hired people that were happy and smiled all the time. Like we didn't train them to do that. We just… we did it. David: [00:09:25] Yeah. I became a huge believer in the Jim Collins, you know, get the right people on the bus and put the right people in the right seats. I really, really focused on streamlining our hiring process. And my key to hiring was we hired recent college grads with degrees in journalism and communications and media, and we screen the heck out of them on writing, right? We made them write and write and write like the initial application had like 10 questions that they had to write answers to. And because the job entailed a lot of writing on the behalf of clients, I knew the clients wanted people that could write in like full sentences and spell and… again, really simple stuff. But that screening process of screening out the people that would, you know, write like two word answers and, and their punctuation and like, and then, you know… Young college graduates that were just hungry for their first job and wanted to be involved in the field that kind of, I think they had to learn a little bit in the hard way that there's not a lot of paid jobs in journalism, and it's very hard to make it on your own as a blogger. I mean, hard to make a living, right? I'm sure some people do but most people, uh, have a difficult time. So the hiring piece was another piece. Yeah. For sure. Jason: [00:10:56] Taking care of your employees has never been more important than right now. And while paydays are great, running payroll is a major pain, calculating taxes, deductions compliance. None of it's easy. Unless of course you have Gusto. Gusto is a simple online payroll and benefits built for your small business. Gusto automatically applies your payroll taxes and directly deposits your team's paychecks, freeing you up to work on your business. Plus, with Gusto's help, you can offer benefits like 401k's health insurance, workers' comp, and a lot more. And because you're a smart agency masterclass listener, you're going to get three months free. Once you run your first payroll, go to gusto.com/agency. That's gusto.com/agency for three free months. Awesome. And then let's talk about the selling process. How did that come to fruition? Because you sold to one of your big clients and a lot of people don't realize that, that you could do that. And it's also kind of dangerous sometimes too. David: [00:12:13] Right. Right, it's definitely walking the tight rope. So what was interesting was I built a company up to, I think about four or five, 600 clients. And we built our systems and that, and what I realized was at $99, it was not, where it was not profitable was it was not profitable to hire a highly paid sales team. And I would say out of all the things that I failed at, that's what I failed miserably at was whenever I tried to hire a salesperson and get them to perform. And just make what I'm paying that, like, it was just like, it never worked, right? So the big change there was, you know, I'm a big Costco shopper and Kirkland Signature and this and that. And then with entrepreneurs organization, I was like, hey, I think there's something to this white label thing. I think that might even been learning some from you. And I partnered with a larger company to do a white label agreement with them, which took probably gosh, maybe two years to put together and formalize and all the, you know, it was a big company and all the legal and this and that. But that was the key to the growth was because they had 350 sales agents around the country that I didn't have to pay for. That was the biggest thing, right? And I still got to charge them what I charge my regular clients on the wholesale side. And so my profit margin was still there, but that's where the magic happened, right? I mean, we started adding a hundred, 200 clients a month and all I could do was focus on hiring great people and increasing our systems and scalability and everything. And we got to a couple thousand clients with them. We're about 65 employees about at that time, right? Just like you said, it was a factory. And, um, that was when they came to me and just said, hey, we're, you know, we're interested in buying your company. And I said, well, that's not really why I built it, but I said, sure, I'll listen. And I also knew that if they didn't buy me that, you know, they were probably going to recreate it or do something else. Like you said it's a dangerous spot to be in when you're… That's the whole piece is when you, right? When your client concentration goes to 60 and 70% of your clients come from one source, you know, you live by the sword, you die by the sword, right? Jason: [00:15:00] I've known people where they've done this, where they'll outsource to an agency. And they'll become 90% of their business and say, I want to buy you. And they'll say, if you say, no, we'll just go away. And then you're like, crap. Now that didn't happen to you. You're the lucky one. But, uh, walk us through the process of like, so they say, okay, well, here's what we're thinking. All this kind of stuff. A lot of people are thinking, how long did it take in order to come to a deal? In the due diligence phase, maybe to, you know, the, the term sheet and all that kind of good stuff. David: [00:15:41] Oh boy. You know, when you're dealing with a bigger, bigger company. That has a board and everything from them saying, hey, we're interested to actually getting serious. You know, I think was probably three to five months probably? Which that gave me enough time to kind of like, kind of get my head around the process and start talking to people. And I hired an M&A consultant at that point to kind of represent me. And I think that was, looking back, that was a huge piece of it because it took me out of being the direct guy. And so when we did get to term, he, and on into due diligence, he got to be the middleman and he got to be the, you know, he got to be the bad cop and I get to be the good cop. Because the other piece was, they were still my client, right? So if everything fell out, I still needed to have a good relationship with the company, right? And so it kind of allowed us to play that good cop, bad cop piece. But I think it was probably, you know, 10 months or so. But the piece that made that go a lot quicker was, you know, they were a majority concentration in my company. And so they kind of knew the backend financials and due diligence kind of, because they knew all the moving pieces of that. And so that took a lot of the uncertainty out from their side, I think, and helped move it faster than normal. Jason: [00:17:20] Very cool. And it's always a kiss of death. I always tell everybody going until the check is deposited and the paper is signed. Sometimes people go, oh, well, my life's going to change and I can kind of kick back and, and kind of relax. Did you just go, hey, if this happens great. If not, I'm good. David: [00:17:42] I've been through some big real estate deals before. So I think that helped. But the other piece is I knew I needed to make it to the finish line for this to happen. Because if it fell apart, like you said, they were gonna be the 1600 pound grill and take some drastic measures against me, that would not have ended up well, right? I mean, is this classic North Korea, right? Like you don't want to be the first person to push the button and send the missile. So you're just kind of waiting and you're just your head down, making everything perform, you know, they're looking at your metrics, like crazy as you're getting ready to close, and you're just trying to. And you're trying to keep your team together, right? I think that's the other piece in the sale piece is... So who do you tell, when do you tell them? Who knows? Right? Jason: [00:18:38] And when did you do that? When did you start telling people. David: [00:18:40] So when I sold real estate apart, big apartment buildings what I learned was to not tell people. When you tell people for whatever reason, I think it's just human psychology, they tend to jump ship. I mean, they're just like, oh, this boat is sinking or not going to my direction. I'm going to go look for it or something else. And you start losing key people left and right. So I learned not to do that. I only told one person in my company, which was my CFO, because I had to, because I relied on her for all the financials and there's just no way that I could keep it from her. So she was my inside person up until we needed to negotiate key employee contracts for the upper management team. Because that's… in a acquisition, they want to secure all your top-level management to make sure they come over on the transition. And so that was a big piece was… I mean, part of that sale processes is that you have to tell people, tell the executive management team at the last minute what's going on and get them to sign employment agreements with the new company, to make sure that there's going to be a smooth transition there. And a lot of times that's a key piece to closing the deal, right? Because at the very end, if all your top-level management walks off the job and the company… I mean, if you're selling a service company, right? I mean, that's what you're selling is the people and the processes. You lose a lot of that, and you could be subject to a whole renegotiation at that point. So that's a really stressful time. And then also you got to make sure that those people don't recognize the leverage they have in that situation and over leverage their position and to extracting what they would like to extract from you during it, right? So that's really stressful point. Jason: [00:20:44] Yeah. I remember going through that as well, and that is not fun. And am in the same vote of going only tell when you need to. Uh, because yeah, when, when we made the announcement, some people don't like change and they just, for whatever reason, they don't like change, even if it's going to be better for them. Because that's how I judge, when we sold it, I was like, look, same type of culture. Not much is going to change. They're going to have a little bit more resources. I think it actually is better for everyone. And a lot of people advanced, but there were some people that were like, nope, I like the mom and pop mentality, even though we were kind of the middle, you know, we were not small. But, um, they still like, you know, kind of the, they can come to me for anything and they knew everyone, so… It makes some things. So what's life like now for you after selling? Because I see your Facebook, you're just traveling around the world. David: [00:21:45] Yeah, it's been kind of interesting. Uh, I volunteer, I'm the president of the PTO at my kid's high school now. Really involved with my kids' lives. You know, I got a freshman, a university and a sophomore in high school and a seventh grader. And so a lot of focus has turned to them. I try to really provide a lot of really unique, fun travel experiences for them. That's my go-to thing is I just love travel and stuff. I mean, with the pandemic, it's been kind of a bummer. But at the same time, I've kind of rediscovered, you know, traveling in the United States to national parks and hiking and river rafting. We rafted the grand canyon this last year. Due to the pandemic, they had openings, right? When's that ever happened? So taking advantage of that lemonade piece, right? Taking advantage of what life gives you when it does and figuring out what that is and going with it. Jason: [00:22:42] That's awesome. So, well, I'm so happy for you to see, where, where you started and where you ended up. It's very well-deserved with, with all the hard work. So congratulations for that. David: [00:22:53] Thanks. Thanks. And I got to put a plug in here too, with you, Jason. Because gosh, we met at, uh… What was a social media…? Jason: [00:23:02] On the aircraft carrier. David: [00:23:04] On the aircraft carrier. And we were in line for the virtual ride and we just started a conversation, right. So I was like, who are you? Who are you? And what do you do? And we started the conversation and I hired you as a consultant, uh, over the last couple of years of the company, you know, it was just really, really helpful to have you and your experience in selling your agency in the background to be able to bounce things off of and ideas and like, hey, this is happening now. Like kind of, you know, or things with employees or just that. Your experience with the agency, uh, selling your agency and being able to, um, have your guidance in that was a big key, I think those last couple of years. So, uh, I don't think I've ever really gotten a chance to thank you formally for that. So thank you for that. I appreciate it. Jason: [00:24:01] Well, it was my pleasure, you know, I just wanted to be the resource I wish I had, right? So, that's all we can do is keep paying it forward and that kind of stuff. So well, thanks so much for coming on the show. It was, it was awesome having you. Can't wait to have you come out to Durango and be ski bums together and go explore because I love the experiences too. So awesome. Well, if you guys enjoyed this episode, what I want you to guys do is share it out with your fellow agency owners. I would help them out and help us out. And if you want to be surrounded by amazing agency owners and you want our help to really kind of see the things you might not be able to see, so you can navigate and get to the places where, you know, uh, have the opportunities to do what David has had, I want to invite all of you to go digitalagencyelite.com. This is our exclusive community and mastermind, and it's just amazing people. So go to digitalagencyelite.com and until next time have a Swenk day.
This week, Tim throws us a curveball. Last week, he asked us what our least favorite pencils are, and then he told us that we should only use that pencil for a couple weeks. In this episode, we discuss our experiences. Plus: a set of bummer fresh points, from a friend who lost his stash in a flood, to our favorite pencil store closing.Show Notes and LinksErasable PatreonGoFundMe for Harry MarksOn Closing | CW Pencil Enterprise blogDungeons and DaddiesTelegraph AvenueThe DefeatedMost Unwanted ZineThe Magic of WalkingLulaRichZine Reviews in Broken Pencil Magazine: Depression and OCDTarget Up&Up PencilBic Xtra FunTombow 2558Your HostsJohnny GamberPencil Revolution@pencilutionAndy WelfleWoodclinched@awelfleTim Wasem@TimWasem(Download)
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