Podcasts about bpos

Guns Up, real estate investors! In this episode of The Note Closers Show, Scott Carson heads up to Lubbock, Texas, to analyze a unique non-performing first-lien note case study. This occupied 3-bedroom, 2-bathroom home features significant recent exterior rehab (new roof, windows, and paint), 33% equity, and a surprisingly low $158/month principal and interest payment that has gone unpaid for nearly two years! Scott walks through the exact due diligence, valuation metrics, and multiple exit strategies—showing you how to navigate low interest rates, foreclosure options, and REO sales to target returns ranging from 25% to over 67%!Detailed Episode HighlightsProperty & Location: 3-bed, 2-bath, 1,881 sq. ft. single-family home (built in 1950) on a 7,900 sq. ft. lot in Lubbock, Texas. Loan Details & Peculiarities: Non-performing first lien with an estimated legal balance of $85,600 and a 3.25% interest rate. The original 2005 loan was $40,000, resulting in an unusually low $158.39/month payment. Property Condition & Transition: Recent Zillow imagery reveals major exterior upgrades (new roof, single-tone paint, new windows) compared to older bank BPOs from 2022 ($88K value). Current Zestimate sits conservatively at $129,000. Occupancy & Title Research: Tax rolls and deed records show the property was transferred from the original borrower to his daughter, who currently occupies the home. Exit Strategy #1 (Reinstatement Risk): Why requiring full reinstatement (36 months of payments in year 1) is mandatory—and why a low $158/month payment yields an unappealing 2.77% long-term return without foreclosure pressure. Exit Strategy #2 (Foreclosure Auction): Bidding at 80% of legal balance ($68,500) offers a $17,000 gross profit if sold at auction (~25% annualized ROI or 100% simple return on a 90-day timeline). Exit Strategy #3 (REO Retain & Retail Sale): Foreclosing and taking the property back to sell at $122,000 net proceeds yields a potential $41,300 profit (67%+ ROI). Key Risk Factors: Managing bankruptcy risks, unknown interior conditions, and evaluating servicing notes/right-party contacts. The Next StepReady to evaluate non-performing notes, execute proper due diligence, and structure winning bids? Reach out to Scott directly to submit offers, discuss strategy, or partner up on upcoming deals!

Welcome back, note investors! Scott Carson, "The Note Guy," is diving into a high-potential case study straight out of the hot Dallas-Fort Worth metroplex! In this breakdown, Scott walks through a vacant reverse mortgage (HECM) deal located in Grand Prairie, Texas. With an unpaid legal balance sitting far below the market value, this deal offers multiple exit strategies—whether you are looking for a quick 90-day foreclosure flip or taking it back as an REO for a massive profit margin. If you've been curious about how to analyze real estate debt, structure winning bids, and generate annualized returns ranging from 40% to over 80%, this episode is packed with numbers, strategy, and actionable steps! Key Highlights & Deal BreakdownProperty Overview: A 3-bedroom, 2-bathroom, 1,505 sq. ft. home built in 1969, sitting in the Grand Prairie (DFW) area. Loan Details: High Equity Convertible Mortgage (HECM / Reverse Mortgage) where the original borrower has passed away, leaving the home vacant. Valuation & Balance: Property value sits around $263,000 against a $176,000 total legal balance owed on the loan. Strategy #1 (Quick Foreclosure Flip): Bidding at 80%–90% of the legal balance allows investors to target a $18K to $35K gross profit directly at the 90-day foreclosure auction. Strategy #2 (REO Takeback & Rehab): Foreclosing, spending ~$30K in cosmetic interior cleanup/renovations, and reselling on the retail market yields a projected $49,000 net profit (a 52% annualized ROI). Due Diligence Steps: How to review interior photos/BPOs, double-check legal heirship notices, pull title work, and work alongside foreclosure attorneys. Episode ConclusionOpportunities like this Grand Prairie reverse mortgage showcase the true power of being the bank. Whether you have capital ready to deploy or want to partner on high-yield real estate notes, now is the time to take action! Got $150K to $200K ready to invest, or interested in submitting an offer on this specific deal? Contact Scott directly at scott@weclosenotes.com or schedule a strategy call at talkwithscottcarson.com!

Are you ready to stop chasing traditional real estate flips and start dominating the high-yield world of paper investing? In this episode of The Note Closers Show, Scott Carson breaks down a highly lucrative, real-world case study on a vacant, non-performing reverse mortgage (HECM) located in the booming market of Waco, Texas—home of Baylor University! This unique asset has been on the radar for nearly a year, and Scott shares exclusive details after personally driving the neighborhood and walking the exterior of this red-brick family home. When an elderly reverse mortgage borrower passes away, the family often walks away, leaving a property packed with hidden equity and a fast-track path to profitability for savvy note buyers. Scott pulls back the curtain on the asset's internal BPO, dissecting the interior condition, the layout of the property, and the exact foreclosure timeline in the state of Texas. You will learn how to analyze the legal balance against real-world comps, manage a cosmetic "lipstick on a pig" clean-out budget, and protect your capital from market devaluations. Whether your goal is a quick 90-day foreclosure auction exit that yields a staggering 40% to 80% annualized ROI, or taking the asset back as an REO to capture a $39,000 net profit, this episode delivers the exact step-by-step numbers you need to replicate this strategy. Scott also maps out the critical due diligence items every investor must verify, from pulling fresh title reports to utilizing a realtor walk-through before pulling the trigger. Tune in to discover how short-term distressed note plays can secure major double-digit returns for your self-directed IRA or passive investment portfolio! Key Topics Covered in This Episode:Understanding HECM Investing: What happens when a reverse mortgage borrower passes away, and how investors can capitalize on the resulting distressed debt. Waco Market Dynamics: A deep dive into a 3-bed, 2-bath brick property located right around the corner from the highly rated Waco Midway community. Dissecting the Case Study Numbers: Breaking down the $148,000 legal balance against a Zillow fair market value of $214,000. The 80% vs. 90% Par Bidding Strategy: How offering different price points on the legal balance changes your annualized yields and downside protection. Foreclosure Auction Exit: The mechanics of Texas's rapid 90-day foreclosure timeline and how an auction payoff generates immediate cash velocity. The REO & Rehab Blueprint: Budgeting for an interior clean-out, appliances, and paint while projecting a $225,000 retail exit strategy. Essential Due Diligence Checklist: How to leverage lockbox codes, review internal BPOs, identify potential title liens, and calculate true days on market. Don't let your investment capital sit idle. Tap into the power of high-equity distressed paper today! Watch the full episode to see the video walk-through, and grab your tickets for our upcoming 2-Day Virtual Note Buying Workshop at NoteBuyingForDummies.com!Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Jim Farnsworth is Founder and CEO of HiOctayne. He is based in Denver, Colorado. Jim has a long history as a senior leader within and advisor to multiple BPOs and CX experts. He is therefore well placed to comment on why the publicly traded BPOs have seen their share price collapse - and what can these companies do to recover? Publicly traded BPO and CX companies have faced a dramatic collapse in investor confidence over the past few years. Mark Hillary and Peter Ryan open this episode by exploring how AI disruption, falling valuations, short sellers, and weak industry storytelling have allowed analysts and investors to define the future of the sector. Peter then speaks with Jim Farnsworth, founder and CEO of HiOctayne, about why the market increasingly views traditional BPO companies as vulnerable labor-arbitrage businesses rather than growth companies. Jim argues that BPOs need to stop positioning themselves as technology companies and instead demonstrate how they can deliver customer outcomes through a blend of AI, automation, analytics, and human expertise. The conversation also explores whether privately owned firms have an advantage over publicly traded businesses because they can plan beyond the pressure of quarterly results. https://www.linkedin.com/in/jifarnsworth/ https://www.linkedin.com/company/hioctayne/ Summary: Mark Hillary and Peter Ryan discuss the challenges faced by publicly traded BPOs, noting significant losses and declining share prices over the past few years. They highlight the impact of AI on the industry, with companies like Klarna announcing major workforce reductions, leading to a negative narrative. Jim Farnsworth, a BPO industry expert, emphasizes the need for BPOs to redefine themselves as hybrid entities combining human and AI capabilities. He suggests that private equity-owned BPOs may have an advantage due to less pressure from quarterly market expectations and more strategic flexibility. The conversation underscores the importance of storytelling and strategic positioning in the evolving CX landscape.

If AI Can't See You, Buyers Won't Either: The New Rules of B2B Sales In this special bonus episode of CX Files, Peter Ryan turns the microphone on his co-host Mark Hillary to discuss Mark's latest book, If AI Can't See You, You Don't Exist: How B2B Sales Changed Forever. Mark explains how AI platforms such as ChatGPT, Gemini, and Claude are transforming the earliest stages of the buying journey. Potential clients are now using AI to define their problems, compare solutions, investigate suppliers, and create shortlists—often before a salesperson knows that an opportunity exists. The central message is that content can no longer be treated as a minor marketing activity. Original articles, interviews, podcasts, case studies, and executive insights have become part of a company's sales infrastructure: the public evidence AI systems use when deciding which businesses to recommend. Mark and Peter also explore why generic, automatically generated content is unlikely to build authority, why valuable material must be publicly accessible rather than hidden behind paywalls, and why podcasts and videos should be supported by transcripts that AI platforms can read. Mark shares a striking example of ChatGPT recommending an earlier CX Files interview when asked about the impact of AI on contact centres—demonstrating how credible expert conversations can directly influence AI-generated answers. The episode offers a practical introduction to the book's central warning: companies that fail to make their genuine expertise visible may disappear from the buyer's consideration before the formal sales process has even begun. --- https://www.linkedin.com/in/markhillary/ https://www.carnabysp.com/ https://www.amazon.com/Cant-See-You-Dont-Exist-ebook/dp/B0H4M7F44P --- Send Mark Hillary a direct message on LinkedIn with your email address if you want to receive a free PDF copy of the book - or feel free to go and order a copy via Amazon if you prefer a "real" book. --- Summary: Peter Ryan and Mark Hillary discuss Mark's new book, "If AI Can't See You, You Don't Exist," which explores the transformative impact of AI on sales and marketing, particularly in BPOs. Mark highlights how AI tools like ChatGPT, Gemini, and Claude are changing client behavior, emphasizing the need for high-quality content to engage AI systems. Peter shares examples of using AI for event planning and content accessibility. They stress the importance of visibility in AI-driven marketing and offer listeners a free PDF of Mark's book upon request. The conversation underscores the evolving landscape of sales and marketing strategies influenced by AI.

Ever wanted to pull a six-figure profit out of a property without ever swinging a hammer, dealing with a tenant, or managing a single contractor? Welcome to the lucrative world of Texas reverse mortgage note investing. In this episode of 50 Note Deals in 50 Days, host Scott Carson breaks down a fascinating, real-time case study on a Texas reverse mortgage (HECM) foreclosure deal currently sitting on his desk. Scott walks you step-by-step through a non-performing loan on a vacant, highly equity-rich property in Wichita Falls, Texas. You will learn how buying the debt—instead of the physical real estate—allows you to structure a deal that can yield a massive 80% annualized ROI in a fast foreclosure state like Texas, or convert into an REO with a potential $113,000+ net profit. Whether you want to invest your own capital or learn how to leverage OPM (Other People's Money) using Self-Directed IRAs for infinite returns, this episode lays out the exact underwriting, numbers, and exit strategies you need to know.

Jessica Pleffken is the founder and CEO of Pleffken & Marvulle Marketing. Ana Marvulle is co-founder and managing partner. Jessica and Ana both have a long history working inside CX and BPO companies and now their specialist marketing company advises companies working in the CX environment. Both Jessica and Ana are based in São Paulo, Brazil. Jessica and Ana explain why the traditional separation between marketing and sales no longer works. BPO buyers now conduct extensive research before contacting a provider, using LinkedIn, client referrals and AI platforms such as ChatGPT, Claude and Perplexity to compare companies and build shortlists. Marketing must therefore do more than generate leads: it must establish trust, demonstrate operational capability and ensure that the company presents a clear, consistent and credible story across its website, content, sales materials and public reputation. The conversation explores how sales, marketing and operations can work as a single growth system with shared priorities and metrics. Jessica and Ana also argue that BPO companies need stronger client advocacy, genuine case studies and evidence of results rather than generic claims. Their final advice is simple: write for customers rather than industry peers, avoid unnecessary jargon and explain clearly what the company actually does. In an AI-driven buying environment, the providers that communicate with the greatest clarity and credibility will be the easiest to discover - and the easiest to trust. https://www.linkedin.com/in/jessicapleffken/ https://www.linkedin.com/in/ana-carvalhom/ https://www.linkedin.com/company/pleffken-marvulle-marketing-bpo https://www.linkedin.com/pulse/one-outsources-company-theyve-never-heard-jessica-pleffken-hosti-1na9f/ WhatsApp Summary: Mark Hillary and Peter Ryan discuss the evolving landscape of customer experience (CX) and marketing in the business process outsourcing (BPO) industry. They highlight the importance of integrating marketing and sales due to changes in client behavior, particularly the increased use of AI for shortlisting BPOs. Jessica Pleffken and Anna Marvulle from P&M Marketing in São Paulo emphasize the need for a unified growth system, shared metrics, and simple, clear communication to build trust and credibility. They stress the importance of aligning marketing and sales strategies, understanding client needs, and maintaining consistent messaging to enhance brand reputation and client acquisition.

Peter Ryan speaks with Tugs Smith and Adrian Smith, co-founders of ATAC Global CX in Oshawa, Ontario, about the launch of the Certified Remote Service Agent certification. The discussion explores why remote contact center work now needs a trusted global standard, how agents can prove they are ready to handle real customer interactions from home, and why resumes and interviews are no longer enough. Tugs and Adrian explain how the CRSA combines written assessment, live call simulation, and blockchain verification to create a portable credential for work-from-home CX professionals. They also discuss how certification can help agents stand out, reduce hiring risk for employers, and give BPOs a stronger signal of quality when competing for new business. https://www.linkedin.com/in/tugssmith/ https://www.linkedin.com/in/adriansmith-atac/ https://atacglobalcx.com/ Summary: Mark Hillary and Peter Ryan discuss the CRSA (Certified Remote Service Agent) program developed by Tugs and Adrian Smith of ATAC, a work-from-home company in Canada. The CRSA is a blockchain-verified accreditation for remote customer service agents, ensuring they can handle complex interactions effectively. The program includes a written assessment and a live voice call simulation, evaluating agents on professionalism, communication, CX operations, technology, health and safety, and compliance. The dynamic and randomized nature of the evaluation ensures agents are tested on their real-time problem-solving skills. The CRSA aims to improve service standards and reduce hiring risks, benefiting both businesses and agents.  

Outsourcing podcast Get the full show notes for this outsourcing podcast here: outsourceaccelerator.com/594   King Alandy Dy, CEO and co-founder of Expedock, joins the Outsource Accelerator Podcast to explain how he built a deliberately different kind of BPO. Expedock started as a Silicon Valley software company and now sits at the centre of the AI boom. With around 400 staff and a "human-in-the-loop" model, King makes the case that the BPOs merging people with AI fastest will pull ahead of the slower-moving incumbents.   References: Website: https://www.expedock.com/ LinkedIn: https://www.linkedin.com/company/expedock/   Start Outsourcing Outsource Accelerator can help you transform your business with outsourcing. Get in touch now, or use one of the resources below.   Business Process Outsourcing Get a Free Quote - Connect with 3 verified outsourcing experts & see how outsourcing can transform your business Book a Discovery Call - See how Outsource Accelerator can help you enhance your company's innovation and growth with outsourcing The Top 40 BPOs - We have compiled this review of the most notable 40 Business Process Outsourcing companies in the Philippines Outsourcing Calculator - This tool provides you with invaluable insight into the potential savings outsourcing can do for your business Outsourcing Salary Guide - Access the comprehensive guide to payroll salary compensation, benefits, and allowances in the Philippines Outsourcing Accelerator Podcast - Subscribe and listen to the world's leading outsourcing podcast, hosted by Derek Gallimore Payoneer - The leading global B2B payment solution for the outsourcing industry   About Outsource Accelerator Outsource Accelerator is the world's leading outsourcing marketplace and advisory. We offer the full spectrum of services, from light advisory and vendor brokerage, though to full implementation and fully-managed solutions. We service companies of all sectors, and all sizes, spanning all departmental verticals. Outsource Accelerator's unique approach to outsourcing enables our clients to build the best teams, access the most flexible solutions, and generate the best results possible. Our unrivaled sector knowledge and market reach mean that you get the best terms and results possible, at the best ALL-IN market-leading price - guaranteed.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cheryl Taylor Anderson. Podcast: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Cheryl Taylor Anderson, Real Estate Broker (Metro Atlanta) 1. Purpose of the Interview The core purpose of this interview is to educate, empower, and motivate listeners—particularly first‑time homebuyers, renters, veterans, and people of color—to pursue homeownership as a wealth‑building strategy. Specifically, the conversation aims to: Demystify the homebuying process Combat fear and misinformation around mortgages Highlight low‑ and zero‑down payment opportunities Explain how homeowners can build equity faster Emphasize real estate as a key tool for generational wealth Encourage disciplined financial decisions rooted in ownership rather than renting Rushion positions the discussion as a knowledge‑sharing opportunity to help listeners move from renting to owning, especially in communities historically excluded from homeownership. 2. Interview Overview Cheryl Taylor Anderson brings more than 20 years of real estate experience and over $400 million in sales in Metro Atlanta. She works with: First‑time homebuyers VA and military families Move‑up buyers Luxury clients and institutional sellers Throughout the interview, Cheryl provides practical, real‑world examples—including her own story as a former single mother and homeowner—to ease fear, explain financing, and correct misconceptions about buying a home. 3. Key Takeaways A. Many Renters Can Already Afford to Own One of the central points is that many renters are paying as much—or more—than mortgage payments without building equity. Rent payments offer no tax benefits Mortgage payments build ownership and wealth Homeowners can deduct mortgage interest (unlike rent) Key idea: Many people qualify for ownership but are held back by misinformation and fear. B. First‑Time Homebuyers Have More Options Than They Realize Cheryl explains that many buyers are unaware of: Zero‑down payment programs Builder incentives covering closing costs Opportunities to move into homes with minimal out‑of‑pocket costs In some cases, buyers are only required to bring earnest money, making homeownership far more accessible than expected. C. VA and Veteran Benefits Are Underused Cheryl strongly emphasizes VA loans as one of the most powerful tools for homeownership: 100% financing (zero down payment) Ability to ask sellers for up to 6% in closing cost contributions Certain veterans may be exempt from property taxes Lower monthly payments overall Veterans are encouraged to use their benefits, even years after leaving military service. D. A 30‑Year Mortgage Does Not Mean 30 Years of Debt Cheryl reframes mortgage timelines by teaching strategic repayment: Paying bi‑weekly instead of monthly Adding small extra payments ($50–$100/month) Reducing both interest and principal faster She uses her personal example of being close to paying off her home early despite starting with a traditional 30‑year loan. E. Homeownership Builds Stability and Community The interview contrasts renting versus owning: Ownership benefits include: Equity growth Customization and upgrades Neighborhood relationships Security and long‑term stability A tangible asset to pass to children Even HOA‑managed communities—while sometimes frustrating—protect property values and neighborhood standards. F. Home Warranties Reduce Fear of Maintenance To address anxiety about repairs, Cheryl recommends home warranties: Cover major systems (HVAC, water heaters, appliances) Low service fees when repairs are needed Can be negotiated into purchase contracts Provide peace of mind similar to apartment maintenance This is especially helpful for first‑time buyers. G. Social Media Builds Trust and Visibility Cheryl explains how social media strengthens her business: Buyers see real closings, celebrations, and testimonials Creates emotional connection and trust Inspires others to picture themselves as homeowners Visibility drives confidence and referrals. H. Education and Adaptability Drive Longevity Cheryl credits her success through: The 2008 housing crisis COVID‑19 Market shifts to constant learning, flexibility, and strategy pivots (e.g., foreclosures, BPOs, builder incentives). 4. Notable Quotes On Renting vs. Owning “Never be willing to pay somebody more than you’re willing to pay yourself.” On First‑Time Buyer Fear “Don’t let the longevity scare you. In an apartment, you’re building nothing.” On VA Benefits “Veterans can come to the table with zero down—and sometimes no property taxes.” On Mortgage Strategy “Pay every two weeks and it knocks down your interest and principal faster.” On Equity “Rent doesn’t give you anything to leave your children. Homeownership does.” On Homeownership Mindset “People are willing to pay their landlord more than they’ll pay themselves.” 5. Overall Takeaway This interview reinforces homeownership as one of the most powerful, attainable tools for building long‑term wealth—when buyers are properly educated, supported, and encouraged to move past fear and misinformation. Cheryl Taylor Anderson demonstrates that: Buying a home is often more accessible than people believe Strategic mortgage management can drastically shorten debt timelines Ownership builds equity, stability, and generational opportunity #SHMS #BEST #STRAW #AMISee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cheryl Taylor Anderson. Podcast: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Cheryl Taylor Anderson, Real Estate Broker (Metro Atlanta) 1. Purpose of the Interview The core purpose of this interview is to educate, empower, and motivate listeners—particularly first‑time homebuyers, renters, veterans, and people of color—to pursue homeownership as a wealth‑building strategy. Specifically, the conversation aims to: Demystify the homebuying process Combat fear and misinformation around mortgages Highlight low‑ and zero‑down payment opportunities Explain how homeowners can build equity faster Emphasize real estate as a key tool for generational wealth Encourage disciplined financial decisions rooted in ownership rather than renting Rushion positions the discussion as a knowledge‑sharing opportunity to help listeners move from renting to owning, especially in communities historically excluded from homeownership. 2. Interview Overview Cheryl Taylor Anderson brings more than 20 years of real estate experience and over $400 million in sales in Metro Atlanta. She works with: First‑time homebuyers VA and military families Move‑up buyers Luxury clients and institutional sellers Throughout the interview, Cheryl provides practical, real‑world examples—including her own story as a former single mother and homeowner—to ease fear, explain financing, and correct misconceptions about buying a home. 3. Key Takeaways A. Many Renters Can Already Afford to Own One of the central points is that many renters are paying as much—or more—than mortgage payments without building equity. Rent payments offer no tax benefits Mortgage payments build ownership and wealth Homeowners can deduct mortgage interest (unlike rent) Key idea: Many people qualify for ownership but are held back by misinformation and fear. B. First‑Time Homebuyers Have More Options Than They Realize Cheryl explains that many buyers are unaware of: Zero‑down payment programs Builder incentives covering closing costs Opportunities to move into homes with minimal out‑of‑pocket costs In some cases, buyers are only required to bring earnest money, making homeownership far more accessible than expected. C. VA and Veteran Benefits Are Underused Cheryl strongly emphasizes VA loans as one of the most powerful tools for homeownership: 100% financing (zero down payment) Ability to ask sellers for up to 6% in closing cost contributions Certain veterans may be exempt from property taxes Lower monthly payments overall Veterans are encouraged to use their benefits, even years after leaving military service. D. A 30‑Year Mortgage Does Not Mean 30 Years of Debt Cheryl reframes mortgage timelines by teaching strategic repayment: Paying bi‑weekly instead of monthly Adding small extra payments ($50–$100/month) Reducing both interest and principal faster She uses her personal example of being close to paying off her home early despite starting with a traditional 30‑year loan. E. Homeownership Builds Stability and Community The interview contrasts renting versus owning: Ownership benefits include: Equity growth Customization and upgrades Neighborhood relationships Security and long‑term stability A tangible asset to pass to children Even HOA‑managed communities—while sometimes frustrating—protect property values and neighborhood standards. F. Home Warranties Reduce Fear of Maintenance To address anxiety about repairs, Cheryl recommends home warranties: Cover major systems (HVAC, water heaters, appliances) Low service fees when repairs are needed Can be negotiated into purchase contracts Provide peace of mind similar to apartment maintenance This is especially helpful for first‑time buyers. G. Social Media Builds Trust and Visibility Cheryl explains how social media strengthens her business: Buyers see real closings, celebrations, and testimonials Creates emotional connection and trust Inspires others to picture themselves as homeowners Visibility drives confidence and referrals. H. Education and Adaptability Drive Longevity Cheryl credits her success through: The 2008 housing crisis COVID‑19 Market shifts to constant learning, flexibility, and strategy pivots (e.g., foreclosures, BPOs, builder incentives). 4. Notable Quotes On Renting vs. Owning “Never be willing to pay somebody more than you’re willing to pay yourself.” On First‑Time Buyer Fear “Don’t let the longevity scare you. In an apartment, you’re building nothing.” On VA Benefits “Veterans can come to the table with zero down—and sometimes no property taxes.” On Mortgage Strategy “Pay every two weeks and it knocks down your interest and principal faster.” On Equity “Rent doesn’t give you anything to leave your children. Homeownership does.” On Homeownership Mindset “People are willing to pay their landlord more than they’ll pay themselves.” 5. Overall Takeaway This interview reinforces homeownership as one of the most powerful, attainable tools for building long‑term wealth—when buyers are properly educated, supported, and encouraged to move past fear and misinformation. Cheryl Taylor Anderson demonstrates that: Buying a home is often more accessible than people believe Strategic mortgage management can drastically shorten debt timelines Ownership builds equity, stability, and generational opportunity #SHMS #BEST #STRAW #AMISupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cheryl Taylor Anderson. Podcast: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Cheryl Taylor Anderson, Real Estate Broker (Metro Atlanta) 1. Purpose of the Interview The core purpose of this interview is to educate, empower, and motivate listeners—particularly first‑time homebuyers, renters, veterans, and people of color—to pursue homeownership as a wealth‑building strategy. Specifically, the conversation aims to: Demystify the homebuying process Combat fear and misinformation around mortgages Highlight low‑ and zero‑down payment opportunities Explain how homeowners can build equity faster Emphasize real estate as a key tool for generational wealth Encourage disciplined financial decisions rooted in ownership rather than renting Rushion positions the discussion as a knowledge‑sharing opportunity to help listeners move from renting to owning, especially in communities historically excluded from homeownership. 2. Interview Overview Cheryl Taylor Anderson brings more than 20 years of real estate experience and over $400 million in sales in Metro Atlanta. She works with: First‑time homebuyers VA and military families Move‑up buyers Luxury clients and institutional sellers Throughout the interview, Cheryl provides practical, real‑world examples—including her own story as a former single mother and homeowner—to ease fear, explain financing, and correct misconceptions about buying a home. 3. Key Takeaways A. Many Renters Can Already Afford to Own One of the central points is that many renters are paying as much—or more—than mortgage payments without building equity. Rent payments offer no tax benefits Mortgage payments build ownership and wealth Homeowners can deduct mortgage interest (unlike rent) Key idea: Many people qualify for ownership but are held back by misinformation and fear. B. First‑Time Homebuyers Have More Options Than They Realize Cheryl explains that many buyers are unaware of: Zero‑down payment programs Builder incentives covering closing costs Opportunities to move into homes with minimal out‑of‑pocket costs In some cases, buyers are only required to bring earnest money, making homeownership far more accessible than expected. C. VA and Veteran Benefits Are Underused Cheryl strongly emphasizes VA loans as one of the most powerful tools for homeownership: 100% financing (zero down payment) Ability to ask sellers for up to 6% in closing cost contributions Certain veterans may be exempt from property taxes Lower monthly payments overall Veterans are encouraged to use their benefits, even years after leaving military service. D. A 30‑Year Mortgage Does Not Mean 30 Years of Debt Cheryl reframes mortgage timelines by teaching strategic repayment: Paying bi‑weekly instead of monthly Adding small extra payments ($50–$100/month) Reducing both interest and principal faster She uses her personal example of being close to paying off her home early despite starting with a traditional 30‑year loan. E. Homeownership Builds Stability and Community The interview contrasts renting versus owning: Ownership benefits include: Equity growth Customization and upgrades Neighborhood relationships Security and long‑term stability A tangible asset to pass to children Even HOA‑managed communities—while sometimes frustrating—protect property values and neighborhood standards. F. Home Warranties Reduce Fear of Maintenance To address anxiety about repairs, Cheryl recommends home warranties: Cover major systems (HVAC, water heaters, appliances) Low service fees when repairs are needed Can be negotiated into purchase contracts Provide peace of mind similar to apartment maintenance This is especially helpful for first‑time buyers. G. Social Media Builds Trust and Visibility Cheryl explains how social media strengthens her business: Buyers see real closings, celebrations, and testimonials Creates emotional connection and trust Inspires others to picture themselves as homeowners Visibility drives confidence and referrals. H. Education and Adaptability Drive Longevity Cheryl credits her success through: The 2008 housing crisis COVID‑19 Market shifts to constant learning, flexibility, and strategy pivots (e.g., foreclosures, BPOs, builder incentives). 4. Notable Quotes On Renting vs. Owning “Never be willing to pay somebody more than you’re willing to pay yourself.” On First‑Time Buyer Fear “Don’t let the longevity scare you. In an apartment, you’re building nothing.” On VA Benefits “Veterans can come to the table with zero down—and sometimes no property taxes.” On Mortgage Strategy “Pay every two weeks and it knocks down your interest and principal faster.” On Equity “Rent doesn’t give you anything to leave your children. Homeownership does.” On Homeownership Mindset “People are willing to pay their landlord more than they’ll pay themselves.” 5. Overall Takeaway This interview reinforces homeownership as one of the most powerful, attainable tools for building long‑term wealth—when buyers are properly educated, supported, and encouraged to move past fear and misinformation. Cheryl Taylor Anderson demonstrates that: Buying a home is often more accessible than people believe Strategic mortgage management can drastically shorten debt timelines Ownership builds equity, stability, and generational opportunity #SHMS #BEST #STRAW #AMISee omnystudio.com/listener for privacy information.

Donald Berryman is the Founder & Managing Director at ProfectusCX. He is based in Florida, USA. Don writes a LinkedIn newsletter called The CX Advisor Perspective. He recently published several newsletters focused on how the enterprise to BPO relationship needs to develop - to bridge new AI technology use and also to change how BPOs charge for their services. Mark Hillary called Don to explore the issues he raised and how he sees the future of the bridge between the enterprise and BPO and the RFP supplier selection process.   ProfectusCX https://profectuscx.com/ Don Berryman - LinkedIn https://www.linkedin.com/in/don-berryman/ The CX Advisor Perspective https://www.linkedin.com/newsletters/the-cx-advisor-perspective-7460298175136911361/   Summary Mark Hillary and Peter Ryan discuss the evolving CX landscape with Don Berryman, an advisor at Bain and founder of ProfectusCX. Berryman's LinkedIn newsletter, "The CX Advisor Perspective," highlights the need for both BPOs and enterprises to adapt to AI technology. He argues that enterprises must move beyond outdated procurement methods and focus on strategic AI investments to improve customer experience. Berryman emphasizes the shift from headcount-based pricing to outcome-based models, such as per resolved issue or CSAT. He also stresses the importance of co-managed contact centers and the need for BPOs to invest in strategic people and technology to stay competitive.

The BPO Industry Isn't Dying. But It May Need to Reinvent Itself Faster Than Anyone Expected. Yuma AI CEO Guillaume Luccisano argues that customer experience providers must evolve from labor arbitrage specialists into AI orchestrators and systems integrators—or risk becoming irrelevant. For years, critics of the business process outsourcing industry have predicted its demise. First it was robotic process automation. Then conversational AI. Then Generative AI. Yet the industry survived every previous wave of disruption because technology changed the way work was delivered rather than eliminating the need for the service itself. In episode 420 of the CX Files, Guillaume talks to Mark Hillary about these changes and how BPOs may need to adapt. https://www.linkedin.com/in/guillaumeluccisano/ https://yuma.ai/ -------------- Summary: Mark Hillary and Peter Ryan discuss the impact of AI on the BPO industry, featuring Guillaume Luccisano, CEO of Yuma AI. Luccisano argues that traditional BPO models are outdated, emphasizing AI's potential to automate 100% of customer service within 2-3 years. He highlights Yuma AI's success in deploying AI agents since 2023, achieving automation rates up to 89%. Luccisano predicts a significant shift in the job market due to AI, suggesting BPOs must evolve into systems integrators to survive. He also notes the cost efficiency of AI, with interactions costing under $1 compared to $4-$8 for human agents. ---- The BPO Industry Isn't Dying. But It May Need to Reinvent Itself Faster Than Anyone Expected. Yuma AI CEO Guillaume Luccisano argues that customer experience providers must evolve from labor arbitrage specialists into AI orchestrators and systems integrators—or risk becoming irrelevant. For years, critics of the business process outsourcing industry have predicted its demise. First it was robotic process automation. Then conversational AI. Then Generative AI. Yet the industry survived every previous wave of disruption because technology changed the way work was delivered rather than eliminating the need for the service itself. But according to Guillaume Luccisano, founder and CEO of Yuma AI, this time may be different. Speaking on Episode 420 of the CX Files podcast, Luccisano argued that the traditional BPO model—selling customer service through large pools of human agents—is facing a challenge unlike anything it has encountered before. His view is stark: AI is no longer just helping agents do their jobs better. It is increasingly capable of doing the job itself. And if that trend continues, the industry will need to redefine its purpose. The End of the "Cost Per Interaction" Era Luccisano's company specializes in AI-powered customer service automation for retail and e-commerce brands. He claims some clients are already automating the vast majority of customer interactions. What has changed, he argues, is that AI is no longer limited to answering questions from a knowledge base. Modern AI agents can access customer records, understand context, follow workflows, execute transactions, and complete tasks. In other words, they are moving beyond information retrieval and into operational execution. This matters because the traditional BPO business model has largely been built around charging for human effort—whether measured in agents, hours, seats, or interactions. If AI can handle increasing volumes of customer contacts at a fraction of the cost, then the economics begin to shift dramatically. A contact that once required several dollars of human labor may eventually be resolved for a few cents in computing costs. Even if those figures are debated, the direction of travel is becoming difficult to ignore. The Problem Isn't Technology. It's Incentives. One of Luccisano's most interesting observations is that many outsourcing providers are already talking extensively about AI. The question is whether they are deploying AI to genuinely transform operations or merely adding enough AI to satisfy customer demand while protecting existing revenue streams. That creates an uncomfortable tension. A provider whose business depends on thousands of agents has little incentive to aggressively deploy technology that could reduce the number of agents required. As Luccisano noted, many providers find themselves caught between serving today's business model and preparing for tomorrow's. The challenge is not technical. It is organizational. And perhaps even existential. Why Investors Are Nervous The sharp decline in the share prices of several publicly traded CX providers has fuelled speculation about the sector's future. Luccisano believes investors are not simply reacting to hype. They are attempting to price in a future where customer service becomes significantly more automated, more efficient, and therefore less dependent on large labor-intensive operations. Whether investors have overreacted remains open to debate. But the market is clearly asking a difficult question: What happens to a company built around managing tens of thousands of customer service agents when customers increasingly expect AI-driven efficiency? The answer remains uncertain. But it is a question every provider now has to confront. The Hidden Complexity Most Critics Ignore To his credit, Luccisano does not dismiss the value that BPOs create today. Customer interactions are only one piece of a much larger operational puzzle. Large CX providers manage compliance requirements, regulatory obligations, security controls, multilingual operations, workforce management, governance frameworks, quality assurance, and complex integrations across dozens of markets. Replacing an individual customer service interaction with AI is one thing. Replacing the entire operational framework surrounding customer service is something else entirely. This is where many simplistic predictions about the "death of BPO" fall apart. The institutional knowledge accumulated by major outsourcing firms still has value. The question is whether that value can be repackaged. From Outsourcer to Systems Integrator Perhaps the most important idea from the conversation was Luccisano's belief that the future role of the BPO may look less like a labor provider and more like a systems integrator. Rather than selling headcount, providers could sell expertise. Rather than managing agents, they could manage AI agents. Rather than staffing operations, they could design, orchestrate, govern, optimize, and continuously improve AI-enabled customer experience ecosystems. This is a subtle but profound shift. It moves the provider higher up the value chain. The emphasis shifts from execution to orchestration. From labor to outcomes. From workforce management to intelligent systems management. Ironically, this would bring some BPOs closer to the role that companies like IBM, Accenture, and other major technology integrators evolved into years ago. A Difficult Transition The challenge, of course, is that transformation is easier to describe than to execute. Reinventing a startup is one thing. Reinventing a global organization employing hundreds of thousands of people is another. Many of today's largest CX providers are highly successful businesses with established customer relationships and predictable revenue streams. That success can become a barrier to change. The dilemma is obvious. How aggressively should a company invest in technologies that could cannibalize its own business? History suggests that incumbents often struggle with precisely this problem. The Bigger Question Perhaps the most controversial part of Luccisano's argument extends beyond outsourcing entirely. He believes AI is creating a broader economic transformation that will affect many knowledge-based professions, not just customer service. Software engineering, consulting, administration, legal services, and customer experience are all beginning to feel the effects. If he is right, then the debate is no longer about whether AI will change customer service. The debate is about how quickly institutions can adapt to a world where intelligence itself becomes abundant and inexpensive. The Future May Belong to the Adaptable The most important takeaway from this discussion is not that BPOs are doomed. In fact, Luccisano repeatedly acknowledged that some providers will survive and potentially thrive. But survival may depend on abandoning the assumption that customer service is primarily a labor business. The providers that succeed could be those that become trusted advisors, AI operators, governance experts, and systems integrators. The providers that fail may be those that continue selling people when customers increasingly want outcomes. The outsourcing industry has reinvented itself before. The question now is whether it can do so again—at the speed AI demands.

Welcome to another high-value episode of Money Monday! We are officially kicking off June and stepping into the high-stakes final month of Q2. As banks and hedge funds look to clean up their books and move assets before the mid-year mark, the note buying market is heating up with massive opportunities for savvy real estate investors. In this episode, host Scott Carson breaks down the mechanics of note investing, shares updates on recent institutional networking meetings downtown, and dives deep into a brand-new three-note tape that just landed on his desk. Whether you are looking for predictable cash flow, substantial underlying equity, or unique commercial real estate angles, this breakdown illustrates exactly how to analyze real estate debt for maximum return. Tune in to find out how to evaluate seasoning, handle arrearages, run due diligence, and use consistent marketing to raise private capital so you can close more deals. Key Topics CoveredThe Q2 Banking Clean-Out: Why June is historically a prime month for buying performing and non-performing notes directly from financial institutions and hedge funds looking to offload assets. Evaluating the 3-Note Tape: A comprehensive walkthrough of a newly received tape featuring clean, owner-financed assets with strong underlying equity. Deep Dive: Orange, Texas Residential Note: Analyzing a 2-bedroom, 1-bath single-family asset with five plus years of seasoning, carrying a 16% cash-on-cash return, and bought at a deep discount relative to market value. Deep Dive: Lorain, Ohio Residential Note: Looking at a 2-bedroom, 2-bath property with nine months of seasoning that boasts a projected 14% cash-on-cash return. Deep Dive: Melbourne, Florida Commercial Note: Exploring the unique advantages of a 3,700 sq. ft. commercial medical office asset on the Space Coast featuring an active operating tenant, an 8% interest rate, and a lucrative upcoming balloon payment. Navigating Arrearages and Lender Advances: How to review servicer notes, quantify property tax advances, and structure repayment plans to boost your overall ROI. The ROI of Property Inspections: Why spending $85 to $100 on quick occupancy checks and exterior BPOs saves thousands during due diligence. Marketing for Capital Raising: Practical tips on staying consistent with email blasts, social media, and drip marketing to attract passive investors ahead of mid-year quarterly financial statements. Conclusion & Call to ActionReal estate note investing allows you to become the bank, yielding predictable passive returns without the hassles of traditional property management. If you want to review the exact tape discussed in today's episode, it is officially live in our Basecamp group for our community members! Are you ready to take your real estate investing business to the next level? Don't forget that our next two-day Note Buying for Dummies Workshop is happening soon, followed by our extensive 7-week training series focused on marketing for private capital. Check the links below to secure your seat, grab your community discounts, or schedule a strategy call. Go out, take some action, and we will see you at the top!Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes PinterestGet Signed Up For the Next Note Buying Workshop HERE!

Welcome to another high-value episode of Money Monday! We are officially kicking off June and stepping into the high-stakes final month of Q2. As banks and hedge funds look to clean up their books and move assets before the mid-year mark, the note buying market is heating up with massive opportunities for savvy real estate investors. In this episode, host Scott Carson breaks down the mechanics of note investing, shares updates on recent institutional networking meetings downtown, and dives deep into a brand-new three-note tape that just landed on his desk. Whether you are looking for predictable cash flow, substantial underlying equity, or unique commercial real estate angles, this breakdown illustrates exactly how to analyze real estate debt for maximum return. Tune in to find out how to evaluate seasoning, handle arrearages, run due diligence, and use consistent marketing to raise private capital so you can close more deals. Key Topics CoveredThe Q2 Banking Clean-Out: Why June is historically a prime month for buying performing and non-performing notes directly from financial institutions and hedge funds looking to offload assets. Evaluating the 3-Note Tape: A comprehensive walkthrough of a newly received tape featuring clean, owner-financed assets with strong underlying equity. Deep Dive: Orange, Texas Residential Note: Analyzing a 2-bedroom, 1-bath single-family asset with five plus years of seasoning, carrying a 16% cash-on-cash return, and bought at a deep discount relative to market value. Deep Dive: Lorain, Ohio Residential Note: Looking at a 2-bedroom, 2-bath property with nine months of seasoning that boasts a projected 14% cash-on-cash return. Deep Dive: Melbourne, Florida Commercial Note: Exploring the unique advantages of a 3,700 sq. ft. commercial medical office asset on the Space Coast featuring an active operating tenant, an 8% interest rate, and a lucrative upcoming balloon payment. Navigating Arrearages and Lender Advances: How to review servicer notes, quantify property tax advances, and structure repayment plans to boost your overall ROI. The ROI of Property Inspections: Why spending $85 to $100 on quick occupancy checks and exterior BPOs saves thousands during due diligence. Marketing for Capital Raising: Practical tips on staying consistent with email blasts, social media, and drip marketing to attract passive investors ahead of mid-year quarterly financial statements. Conclusion & Call to ActionReal estate note investing allows you to become the bank, yielding predictable passive returns without the hassles of traditional property management. If you want to review the exact tape discussed in today's episode, it is officially live in our Basecamp group for our community members! Are you ready to take your real estate investing business to the next level? Don't forget that our next two-day Note Buying for Dummies Workshop is happening soon, followed by our extensive 7-week training series focused on marketing for private capital. Check the links below to secure your seat, grab your community discounts, or schedule a strategy call. Go out, take some action, and we will see you at the top!Watch the original Video Here!Love the show? Subscribe, rate, review, and share!Here's How »Join Note Night in America community today:WeCloseNotes.comScott Carson FacebookScott Carson TwitterScott Carson LinkedInNote Night in America YouTubeNote Night in America VimeoScott Carson InstagramWe Close Notes Pinterest

Carl Andrade is Founder & CEO at Hier Payroll. Hier Payroll is the most configurable cloud-based payroll system in the Philippines. Hier Payroll is catering to the complex HR & payroll policies and regulations specific to the Philippine market (BPOs, manufacturing, etc.). Recently, Hier Payroll also launched an integrated disbursement feature, which they call the "Payroll-to-Payout" solution, in partnership with NextPay. This enables businesses to automate salary calculations and disburse funds directly to bank accounts or e-wallets of choice of the employees, in just one click. Let's catch up with them in this episode! This episode is recorded live at Yspaces in BGC, Taguig. Yspaces is our official Co-Working and Event Space Partner.In this episode:00:00 Introduction01:50 Ano ang Hier Payroll?15:41 What are updates since our last conversation? 32:09 What is the new product all about? 59:05 How can listeners find more information?HIER PAYROLLWebsite: https://hierpayroll.comFacebook: https://facebook.com/HierBSTHIS EPISODE IS CO-PRODUCED BY:OneCFO: ⁠⁠⁠⁠⁠https://onecfoph.co⁠⁠⁠⁠⁠Kredit Hero: ⁠⁠⁠⁠⁠https://kredithero.com⁠⁠⁠⁠⁠Yspaces: ⁠⁠⁠⁠⁠https://knowyourspaceph.com⁠⁠⁠⁠⁠Twala: ⁠⁠⁠⁠⁠https://www.twala.io⁠⁠⁠⁠⁠Symph: ⁠⁠⁠⁠⁠https://symph.co⁠⁠⁠⁠⁠Secuna: ⁠⁠⁠⁠⁠https://secuna.io⁠⁠⁠⁠⁠SkoolTek by Edfolio: ⁠⁠⁠⁠⁠https://skooltek.co⁠⁠⁠⁠⁠Red Circle Global: ⁠⁠⁠⁠⁠https://www.redcircleglobal.com⁠⁠⁠⁠⁠CHECK OUT OUR PARTNERS:Ask Lex PH Academy: ⁠⁠⁠⁠⁠https://asklexph.com⁠⁠⁠⁠⁠ (5% discount on e-learning courses! Code: ALPHAXSUP)CloudCFO: ⁠⁠⁠⁠⁠https://cloudcfo.ph⁠⁠⁠⁠⁠ (Free financial assessment, process onboarding, and 6-month QuickBooks subscription! Mention: Start Up Podcast PH)ArkoTech: ⁠⁠⁠⁠⁠https://www.arkotechspacesolutions.com⁠⁠⁠⁠⁠DVCode Technologies Inc: ⁠⁠⁠⁠⁠https://dvcode.tech⁠⁠⁠⁠⁠Argum AI: ⁠⁠⁠⁠⁠http://argum.ai⁠⁠⁠⁠⁠PIXEL by Eplayment: ⁠⁠⁠⁠⁠https://pixel.eplayment.co/auth/sign-up?r=PIXELXSUP1⁠⁠⁠⁠⁠ (Sign up using Code: PIXELXSUP1)School of Profits: ⁠⁠⁠⁠⁠https://schoolofprofits.academy⁠⁠⁠⁠⁠Founders Launchpad: ⁠⁠⁠⁠⁠https://founderslaunchpad.vc⁠⁠⁠⁠⁠Hier Business Solutions: ⁠⁠⁠⁠⁠https://hierpayroll.com⁠⁠⁠⁠⁠Agile Data Solutions (Hustle PH): ⁠⁠⁠⁠⁠https://agiledatasolutions.tech⁠⁠⁠⁠⁠Smile Checks: ⁠⁠⁠⁠⁠https://getsmilechecks.com⁠⁠⁠⁠⁠Cloverly: ⁠⁠⁠⁠⁠https://cloverly.tech⁠⁠⁠⁠⁠BuddyBetes: ⁠⁠⁠⁠⁠https://buddybetes.com⁠⁠⁠⁠⁠Hyperstacks: ⁠⁠⁠⁠⁠https://hyperstacksinc.com⁠⁠⁠⁠⁠Wunderbrand: ⁠⁠⁠⁠⁠https://wunderbrand.com⁠⁠⁠⁠⁠Uplift Code Camp: ⁠⁠⁠⁠⁠https://upliftcodecamp.com⁠⁠⁠⁠⁠ (5% discount on bootcamps and courses! Code: UPLIFTSTARTUPPH)START UP PODCAST PHYouTube: ⁠⁠⁠⁠⁠https://youtube.com/startuppodcastph⁠⁠⁠⁠⁠Spotify: ⁠⁠⁠⁠⁠https://open.spotify.com/show/6BObuPvMfoZzdlJeb1XXVa⁠⁠⁠⁠⁠Apple Podcasts: ⁠⁠⁠⁠⁠https://podcasts.apple.com/us/podcast/start-up-podcast/id1576462394⁠⁠⁠⁠⁠Facebook: ⁠⁠⁠⁠⁠https://facebook.com/startuppodcastph⁠⁠⁠⁠⁠Patreon: ⁠⁠⁠⁠⁠https://patreon.com/StartUpPodcastPH⁠⁠⁠⁠⁠PIXEL: ⁠⁠⁠⁠⁠https://pixel.eplayment.co/dl/startuppodcastph⁠⁠⁠⁠⁠Website: ⁠⁠⁠⁠⁠https://phstartup.online⁠⁠⁠⁠⁠Edited by the team at: ⁠⁠⁠⁠⁠https://tasharivera.com⁠⁠

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cheryl Taylor Anderson. Podcast: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Cheryl Taylor Anderson, Real Estate Broker (Metro Atlanta) 1. Purpose of the Interview The core purpose of this interview is to educate, empower, and motivate listeners—particularly first‑time homebuyers, renters, veterans, and people of color—to pursue homeownership as a wealth‑building strategy. Specifically, the conversation aims to: Demystify the homebuying process Combat fear and misinformation around mortgages Highlight low‑ and zero‑down payment opportunities Explain how homeowners can build equity faster Emphasize real estate as a key tool for generational wealth Encourage disciplined financial decisions rooted in ownership rather than renting Rushion positions the discussion as a knowledge‑sharing opportunity to help listeners move from renting to owning, especially in communities historically excluded from homeownership. 2. Interview Overview Cheryl Taylor Anderson brings more than 20 years of real estate experience and over $400 million in sales in Metro Atlanta. She works with: First‑time homebuyers VA and military families Move‑up buyers Luxury clients and institutional sellers Throughout the interview, Cheryl provides practical, real‑world examples—including her own story as a former single mother and homeowner—to ease fear, explain financing, and correct misconceptions about buying a home. 3. Key Takeaways A. Many Renters Can Already Afford to Own One of the central points is that many renters are paying as much—or more—than mortgage payments without building equity. Rent payments offer no tax benefits Mortgage payments build ownership and wealth Homeowners can deduct mortgage interest (unlike rent) Key idea: Many people qualify for ownership but are held back by misinformation and fear. B. First‑Time Homebuyers Have More Options Than They Realize Cheryl explains that many buyers are unaware of: Zero‑down payment programs Builder incentives covering closing costs Opportunities to move into homes with minimal out‑of‑pocket costs In some cases, buyers are only required to bring earnest money, making homeownership far more accessible than expected. C. VA and Veteran Benefits Are Underused Cheryl strongly emphasizes VA loans as one of the most powerful tools for homeownership: 100% financing (zero down payment) Ability to ask sellers for up to 6% in closing cost contributions Certain veterans may be exempt from property taxes Lower monthly payments overall Veterans are encouraged to use their benefits, even years after leaving military service. D. A 30‑Year Mortgage Does Not Mean 30 Years of Debt Cheryl reframes mortgage timelines by teaching strategic repayment: Paying bi‑weekly instead of monthly Adding small extra payments ($50–$100/month) Reducing both interest and principal faster She uses her personal example of being close to paying off her home early despite starting with a traditional 30‑year loan. E. Homeownership Builds Stability and Community The interview contrasts renting versus owning: Ownership benefits include: Equity growth Customization and upgrades Neighborhood relationships Security and long‑term stability A tangible asset to pass to children Even HOA‑managed communities—while sometimes frustrating—protect property values and neighborhood standards. F. Home Warranties Reduce Fear of Maintenance To address anxiety about repairs, Cheryl recommends home warranties: Cover major systems (HVAC, water heaters, appliances) Low service fees when repairs are needed Can be negotiated into purchase contracts Provide peace of mind similar to apartment maintenance This is especially helpful for first‑time buyers. G. Social Media Builds Trust and Visibility Cheryl explains how social media strengthens her business: Buyers see real closings, celebrations, and testimonials Creates emotional connection and trust Inspires others to picture themselves as homeowners Visibility drives confidence and referrals. H. Education and Adaptability Drive Longevity Cheryl credits her success through: The 2008 housing crisis COVID‑19 Market shifts to constant learning, flexibility, and strategy pivots (e.g., foreclosures, BPOs, builder incentives). 4. Notable Quotes On Renting vs. Owning “Never be willing to pay somebody more than you’re willing to pay yourself.” On First‑Time Buyer Fear “Don’t let the longevity scare you. In an apartment, you’re building nothing.” On VA Benefits “Veterans can come to the table with zero down—and sometimes no property taxes.” On Mortgage Strategy “Pay every two weeks and it knocks down your interest and principal faster.” On Equity “Rent doesn’t give you anything to leave your children. Homeownership does.” On Homeownership Mindset “People are willing to pay their landlord more than they’ll pay themselves.” 5. Overall Takeaway This interview reinforces homeownership as one of the most powerful, attainable tools for building long‑term wealth—when buyers are properly educated, supported, and encouraged to move past fear and misinformation. Cheryl Taylor Anderson demonstrates that: Buying a home is often more accessible than people believe Strategic mortgage management can drastically shorten debt timelines Ownership builds equity, stability, and generational opportunity #SHMS #BEST #STRAWSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Nathan Muniz is the founder and owner of 247Secretary.com. The business is based in Florida, USA, but has contact center operations in the Philippines. Nathan talked to Mark Hillary from the floor of his contact center on his approach to telling the world about his business. He walks the floor and talks to real people doing their job. No studio. No scripts. No "AI transformation" buzzwords. Just real agents, real calls, and real insight. And here's the uncomfortable truth: That raw, unfiltered content is doing more for his pipeline than most enterprise marketing teams with million-dollar budgets. Prospects are literally saying: "ChatGPT told us to talk to you." Let that sink in. While everyone else is using AI to churn out generic content, Nathan is using reality to train the AI engines. Authenticity is the key word here. Nathan lets people see his business up close and the online viewers love it, but the AI audience is even more important - because these AI tools are telling people about Nathan's business. https://247secretary.com/ https://www.linkedin.com/in/bdcoutsourcing/   Summary: Mark Hillary and Peter Ryan discuss Nathan Muniz's innovative marketing strategy for his BPO, 247Secretary.com, in the Philippines. Nathan's approach involves posting authentic, behind-the-scenes videos on LinkedIn, which has attracted clients through AI recommendations like ChatGPT. This transparency has led to significant engagement and new leads without traditional lead generation efforts. Nathan emphasizes the importance of showing legitimacy, especially for offshore BPOs, and highlights the value of original content over glossy marketing. He also notes the ongoing demand for human agents despite AI hype and advises businesses to be transparent about their operations to build trust and credibility.

Gary Slade is the Chief Commerical Officer at TP EMEA. He has many years of BPO and CX experience and he previously led the UK/Ireland operation at TP as CEO. In this conversation with Mark Hillary, Gary is talking about BPO stability and how this is becoming an important new measurement that companies need to focus on. If you are looking for a BPO partner then how do you know if they will still be around in 5 years? There is so much M&A activity, Private Equity takeovers, and BPOs that rely on a single client or geography... how can you be sure that you are choosing a reliable partner who can support your future growth plans? Is stability becoming the new BPO battleground? https://www.linkedin.com/in/garyslade1/ https://www.tp.com/ Summary: Mark Hillary and Peter Ryan discuss the importance of stability in Business Process Outsourcing (BPO) services, highlighting Gary Slade's (TP EMEA CCO) views on the shift from cost to reliability. They note the volatility in geopolitics and fuel crises, which emphasize the need for BPOs to be resilient and financially stable. Slade emphasizes the importance of geographic diversity, industry experience, and technological investment. He also discusses the impact of private equity on service quality and the need for total cost of ownership considerations. The conversation concludes with the importance of BPOs demonstrating long-term stability and adaptability to future disruptions.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cheryl Taylor Anderson. Podcast: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Cheryl Taylor Anderson, Real Estate Broker (Metro Atlanta) 1. Purpose of the Interview The core purpose of this interview is to educate, empower, and motivate listeners—particularly first‑time homebuyers, renters, veterans, and people of color—to pursue homeownership as a wealth‑building strategy. Specifically, the conversation aims to: Demystify the homebuying process Combat fear and misinformation around mortgages Highlight low‑ and zero‑down payment opportunities Explain how homeowners can build equity faster Emphasize real estate as a key tool for generational wealth Encourage disciplined financial decisions rooted in ownership rather than renting Rushion positions the discussion as a knowledge‑sharing opportunity to help listeners move from renting to owning, especially in communities historically excluded from homeownership. 2. Interview Overview Cheryl Taylor Anderson brings more than 20 years of real estate experience and over $400 million in sales in Metro Atlanta. She works with: First‑time homebuyers VA and military families Move‑up buyers Luxury clients and institutional sellers Throughout the interview, Cheryl provides practical, real‑world examples—including her own story as a former single mother and homeowner—to ease fear, explain financing, and correct misconceptions about buying a home. 3. Key Takeaways A. Many Renters Can Already Afford to Own One of the central points is that many renters are paying as much—or more—than mortgage payments without building equity. Rent payments offer no tax benefits Mortgage payments build ownership and wealth Homeowners can deduct mortgage interest (unlike rent) Key idea: Many people qualify for ownership but are held back by misinformation and fear. B. First‑Time Homebuyers Have More Options Than They Realize Cheryl explains that many buyers are unaware of: Zero‑down payment programs Builder incentives covering closing costs Opportunities to move into homes with minimal out‑of‑pocket costs In some cases, buyers are only required to bring earnest money, making homeownership far more accessible than expected. C. VA and Veteran Benefits Are Underused Cheryl strongly emphasizes VA loans as one of the most powerful tools for homeownership: 100% financing (zero down payment) Ability to ask sellers for up to 6% in closing cost contributions Certain veterans may be exempt from property taxes Lower monthly payments overall Veterans are encouraged to use their benefits, even years after leaving military service. D. A 30‑Year Mortgage Does Not Mean 30 Years of Debt Cheryl reframes mortgage timelines by teaching strategic repayment: Paying bi‑weekly instead of monthly Adding small extra payments ($50–$100/month) Reducing both interest and principal faster She uses her personal example of being close to paying off her home early despite starting with a traditional 30‑year loan. E. Homeownership Builds Stability and Community The interview contrasts renting versus owning: Ownership benefits include: Equity growth Customization and upgrades Neighborhood relationships Security and long‑term stability A tangible asset to pass to children Even HOA‑managed communities—while sometimes frustrating—protect property values and neighborhood standards. F. Home Warranties Reduce Fear of Maintenance To address anxiety about repairs, Cheryl recommends home warranties: Cover major systems (HVAC, water heaters, appliances) Low service fees when repairs are needed Can be negotiated into purchase contracts Provide peace of mind similar to apartment maintenance This is especially helpful for first‑time buyers. G. Social Media Builds Trust and Visibility Cheryl explains how social media strengthens her business: Buyers see real closings, celebrations, and testimonials Creates emotional connection and trust Inspires others to picture themselves as homeowners Visibility drives confidence and referrals. H. Education and Adaptability Drive Longevity Cheryl credits her success through: The 2008 housing crisis COVID‑19 Market shifts to constant learning, flexibility, and strategy pivots (e.g., foreclosures, BPOs, builder incentives). 4. Notable Quotes On Renting vs. Owning “Never be willing to pay somebody more than you’re willing to pay yourself.” On First‑Time Buyer Fear “Don’t let the longevity scare you. In an apartment, you’re building nothing.” On VA Benefits “Veterans can come to the table with zero down—and sometimes no property taxes.” On Mortgage Strategy “Pay every two weeks and it knocks down your interest and principal faster.” On Equity “Rent doesn’t give you anything to leave your children. Homeownership does.” On Homeownership Mindset “People are willing to pay their landlord more than they’ll pay themselves.” 5. Overall Takeaway This interview reinforces homeownership as one of the most powerful, attainable tools for building long‑term wealth—when buyers are properly educated, supported, and encouraged to move past fear and misinformation. Cheryl Taylor Anderson demonstrates that: Buying a home is often more accessible than people believe Strategic mortgage management can drastically shorten debt timelines Ownership builds equity, stability, and generational opportunity #SHMS #BEST #STRAWSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cheryl Taylor Anderson. Podcast: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Cheryl Taylor Anderson, Real Estate Broker (Metro Atlanta) 1. Purpose of the Interview The core purpose of this interview is to educate, empower, and motivate listeners—particularly first‑time homebuyers, renters, veterans, and people of color—to pursue homeownership as a wealth‑building strategy. Specifically, the conversation aims to: Demystify the homebuying process Combat fear and misinformation around mortgages Highlight low‑ and zero‑down payment opportunities Explain how homeowners can build equity faster Emphasize real estate as a key tool for generational wealth Encourage disciplined financial decisions rooted in ownership rather than renting Rushion positions the discussion as a knowledge‑sharing opportunity to help listeners move from renting to owning, especially in communities historically excluded from homeownership. 2. Interview Overview Cheryl Taylor Anderson brings more than 20 years of real estate experience and over $400 million in sales in Metro Atlanta. She works with: First‑time homebuyers VA and military families Move‑up buyers Luxury clients and institutional sellers Throughout the interview, Cheryl provides practical, real‑world examples—including her own story as a former single mother and homeowner—to ease fear, explain financing, and correct misconceptions about buying a home. 3. Key Takeaways A. Many Renters Can Already Afford to Own One of the central points is that many renters are paying as much—or more—than mortgage payments without building equity. Rent payments offer no tax benefits Mortgage payments build ownership and wealth Homeowners can deduct mortgage interest (unlike rent) Key idea: Many people qualify for ownership but are held back by misinformation and fear. B. First‑Time Homebuyers Have More Options Than They Realize Cheryl explains that many buyers are unaware of: Zero‑down payment programs Builder incentives covering closing costs Opportunities to move into homes with minimal out‑of‑pocket costs In some cases, buyers are only required to bring earnest money, making homeownership far more accessible than expected. C. VA and Veteran Benefits Are Underused Cheryl strongly emphasizes VA loans as one of the most powerful tools for homeownership: 100% financing (zero down payment) Ability to ask sellers for up to 6% in closing cost contributions Certain veterans may be exempt from property taxes Lower monthly payments overall Veterans are encouraged to use their benefits, even years after leaving military service. D. A 30‑Year Mortgage Does Not Mean 30 Years of Debt Cheryl reframes mortgage timelines by teaching strategic repayment: Paying bi‑weekly instead of monthly Adding small extra payments ($50–$100/month) Reducing both interest and principal faster She uses her personal example of being close to paying off her home early despite starting with a traditional 30‑year loan. E. Homeownership Builds Stability and Community The interview contrasts renting versus owning: Ownership benefits include: Equity growth Customization and upgrades Neighborhood relationships Security and long‑term stability A tangible asset to pass to children Even HOA‑managed communities—while sometimes frustrating—protect property values and neighborhood standards. F. Home Warranties Reduce Fear of Maintenance To address anxiety about repairs, Cheryl recommends home warranties: Cover major systems (HVAC, water heaters, appliances) Low service fees when repairs are needed Can be negotiated into purchase contracts Provide peace of mind similar to apartment maintenance This is especially helpful for first‑time buyers. G. Social Media Builds Trust and Visibility Cheryl explains how social media strengthens her business: Buyers see real closings, celebrations, and testimonials Creates emotional connection and trust Inspires others to picture themselves as homeowners Visibility drives confidence and referrals. H. Education and Adaptability Drive Longevity Cheryl credits her success through: The 2008 housing crisis COVID‑19 Market shifts to constant learning, flexibility, and strategy pivots (e.g., foreclosures, BPOs, builder incentives). 4. Notable Quotes On Renting vs. Owning “Never be willing to pay somebody more than you’re willing to pay yourself.” On First‑Time Buyer Fear “Don’t let the longevity scare you. In an apartment, you’re building nothing.” On VA Benefits “Veterans can come to the table with zero down—and sometimes no property taxes.” On Mortgage Strategy “Pay every two weeks and it knocks down your interest and principal faster.” On Equity “Rent doesn’t give you anything to leave your children. Homeownership does.” On Homeownership Mindset “People are willing to pay their landlord more than they’ll pay themselves.” 5. Overall Takeaway This interview reinforces homeownership as one of the most powerful, attainable tools for building long‑term wealth—when buyers are properly educated, supported, and encouraged to move past fear and misinformation. Cheryl Taylor Anderson demonstrates that: Buying a home is often more accessible than people believe Strategic mortgage management can drastically shorten debt timelines Ownership builds equity, stability, and generational opportunity #SHMS #BEST #STRAWSee omnystudio.com/listener for privacy information.

This week, hosts of N2K CyberWire ⁠⁠⁠⁠⁠⁠⁠⁠Maria Varmazis⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Dave Bittner⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ alongside ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Joe Carrigan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ are discussing the latest in social engineering scams, phishing schemes, and criminal exploits that are making headlines. If you thought you could escape chicken talk, you we're wrong, this week Joe shares some more updates on his chickens. Joe's got two stories this week, one on a New Jersey man arrested while attempting to collect $800,000 in gold as part of a widespread scam targeting elderly victims, and the second is on a new Google-tracked threat group using social engineering and phishing tactics to infiltrate BPOs and steal corporate data for extortion. Maria's story is on a conversation she had with Sean Colicchio, highlighting how trusting human instincts, slowing down, and balancing security training can help individuals and organizations better defend against social engineering attacks. Dave's got the story on a surge in traffic violation scams now using QR codes in phishing texts to trick victims, alongside ten hard-stop rules emphasizing verification, avoiding links or inbound requests, and slowing down to prevent falling for increasingly sophisticated scams. Our Catch of the Day comes from Reddit, where a user questioned a supposed “Google Play Console partnership” email, and the community quickly flagged it as a likely scam—citing red flags. Resources and links to stories: ⁠⁠⁠⁠Indian in New Jersey on work visa arrested in gold scam, nabbed when he was going to collect $800,000 in gold Google Warns of New Threat Group Targeting BPOs and Helpdesks Traffic violation scams switch to QR codes in new phishing texts [Nepal] Is this “Google Play Console partnership” email a scam? ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Have a Catch of the Day you'd like to share? Email it to us at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠hackinghumans@n2k.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cheryl Taylor Anderson. Podcast: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Cheryl Taylor Anderson, Real Estate Broker (Metro Atlanta) 1. Purpose of the Interview The core purpose of this interview is to educate, empower, and motivate listeners—particularly first‑time homebuyers, renters, veterans, and people of color—to pursue homeownership as a wealth‑building strategy. Specifically, the conversation aims to: Demystify the homebuying process Combat fear and misinformation around mortgages Highlight low‑ and zero‑down payment opportunities Explain how homeowners can build equity faster Emphasize real estate as a key tool for generational wealth Encourage disciplined financial decisions rooted in ownership rather than renting Rushion positions the discussion as a knowledge‑sharing opportunity to help listeners move from renting to owning, especially in communities historically excluded from homeownership. 2. Interview Overview Cheryl Taylor Anderson brings more than 20 years of real estate experience and over $400 million in sales in Metro Atlanta. She works with: First‑time homebuyers VA and military families Move‑up buyers Luxury clients and institutional sellers Throughout the interview, Cheryl provides practical, real‑world examples—including her own story as a former single mother and homeowner—to ease fear, explain financing, and correct misconceptions about buying a home. 3. Key Takeaways A. Many Renters Can Already Afford to Own One of the central points is that many renters are paying as much—or more—than mortgage payments without building equity. Rent payments offer no tax benefits Mortgage payments build ownership and wealth Homeowners can deduct mortgage interest (unlike rent) Key idea: Many people qualify for ownership but are held back by misinformation and fear. B. First‑Time Homebuyers Have More Options Than They Realize Cheryl explains that many buyers are unaware of: Zero‑down payment programs Builder incentives covering closing costs Opportunities to move into homes with minimal out‑of‑pocket costs In some cases, buyers are only required to bring earnest money, making homeownership far more accessible than expected. C. VA and Veteran Benefits Are Underused Cheryl strongly emphasizes VA loans as one of the most powerful tools for homeownership: 100% financing (zero down payment) Ability to ask sellers for up to 6% in closing cost contributions Certain veterans may be exempt from property taxes Lower monthly payments overall Veterans are encouraged to use their benefits, even years after leaving military service. D. A 30‑Year Mortgage Does Not Mean 30 Years of Debt Cheryl reframes mortgage timelines by teaching strategic repayment: Paying bi‑weekly instead of monthly Adding small extra payments ($50–$100/month) Reducing both interest and principal faster She uses her personal example of being close to paying off her home early despite starting with a traditional 30‑year loan. E. Homeownership Builds Stability and Community The interview contrasts renting versus owning: Ownership benefits include: Equity growth Customization and upgrades Neighborhood relationships Security and long‑term stability A tangible asset to pass to children Even HOA‑managed communities—while sometimes frustrating—protect property values and neighborhood standards. F. Home Warranties Reduce Fear of Maintenance To address anxiety about repairs, Cheryl recommends home warranties: Cover major systems (HVAC, water heaters, appliances) Low service fees when repairs are needed Can be negotiated into purchase contracts Provide peace of mind similar to apartment maintenance This is especially helpful for first‑time buyers. G. Social Media Builds Trust and Visibility Cheryl explains how social media strengthens her business: Buyers see real closings, celebrations, and testimonials Creates emotional connection and trust Inspires others to picture themselves as homeowners Visibility drives confidence and referrals. H. Education and Adaptability Drive Longevity Cheryl credits her success through: The 2008 housing crisis COVID‑19 Market shifts to constant learning, flexibility, and strategy pivots (e.g., foreclosures, BPOs, builder incentives). 4. Notable Quotes On Renting vs. Owning “Never be willing to pay somebody more than you’re willing to pay yourself.” On First‑Time Buyer Fear “Don’t let the longevity scare you. In an apartment, you’re building nothing.” On VA Benefits “Veterans can come to the table with zero down—and sometimes no property taxes.” On Mortgage Strategy “Pay every two weeks and it knocks down your interest and principal faster.” On Equity “Rent doesn’t give you anything to leave your children. Homeownership does.” On Homeownership Mindset “People are willing to pay their landlord more than they’ll pay themselves.” 5. Overall Takeaway This interview reinforces homeownership as one of the most powerful, attainable tools for building long‑term wealth—when buyers are properly educated, supported, and encouraged to move past fear and misinformation. Cheryl Taylor Anderson demonstrates that: Buying a home is often more accessible than people believe Strategic mortgage management can drastically shorten debt timelines Ownership builds equity, stability, and generational opportunity #SHMS #BEST #STRAWSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Are you tired of chasing the same tired foreclosure lists that every other investor in town is already cold-calling? In today's market of chaos and distressed debt, the real "Monopoly" winners aren't just collecting $200 for passing Go—they are finding the deals six to twelve months before they ever hit the public radar. In this episode, Scott Carson pulls back the curtain on a massive influx of distressed debt hitting the market. We're talking about "loan level" data on thousands of notes across the country where borrowers are 6, 12, or even 24 months behind on payments. Whether you are a "hustler" looking for your next creative real estate deal or a realtor hungry for fresh listing leads, this episode shows you how to tap into a private stream of opportunities that most people don't even know exist. What You'll Learn in This Episode:The "Crumb Investor" Advantage: Why you don't need a billion-dollar license to profit from the massive portfolios being moved by banks and hedge funds. Deep-Dive Data: Understanding "loan level" information, including exact addresses, equity positions, and exactly how many months a borrower is in default. Creative Exit Strategies: How to turn these distressed leads into "Subject To" deals, owner financing opportunities, or traditional listings. Geographic Opportunities: Why this isn't just a Texas or Florida play—opportunities are popping up in New York, New Jersey, and even Alaska and Hawaii. The Partnership Model: How to work with Scott to get these leads delivered to your inbox once or twice a month, either through a small fee or a referral relationship. Due Diligence Support: How Scott's team can now assist with BPOs, O&Es, and other critical due diligence documents for your deals. Are You Ready to Jump on the Board?The market isn't "bad"—it's just changing. If you are willing to pick up the phone, knock on a door, or start a mail campaign, there is plenty of room on the Monopoly board for you. Don't wait for the foreclosure auction; get the lead while the borrower is still in the early stages of default and nobody else is looking.Watch the Original Video HERE!Book a Call With Scott HERE!

Are you tired of chasing the same tired foreclosure lists that every other investor in town is already cold-calling? In today's market of chaos and distressed debt, the real "Monopoly" winners aren't just collecting $200 for passing Go—they are finding the deals six to twelve months before they ever hit the public radar. In this episode, Scott Carson pulls back the curtain on a massive influx of distressed debt hitting the market. We're talking about "loan level" data on thousands of notes across the country where borrowers are 6, 12, or even 24 months behind on payments. Whether you are a "hustler" looking for your next creative real estate deal or a realtor hungry for fresh listing leads, this episode shows you how to tap into a private stream of opportunities that most people don't even know exist. What You'll Learn in This Episode:The "Crumb Investor" Advantage: Why you don't need a billion-dollar license to profit from the massive portfolios being moved by banks and hedge funds. Deep-Dive Data: Understanding "loan level" information, including exact addresses, equity positions, and exactly how many months a borrower is in default. Creative Exit Strategies: How to turn these distressed leads into "Subject To" deals, owner financing opportunities, or traditional listings. Geographic Opportunities: Why this isn't just a Texas or Florida play—opportunities are popping up in New York, New Jersey, and even Alaska and Hawaii. The Partnership Model: How to work with Scott to get these leads delivered to your inbox once or twice a month, either through a small fee or a referral relationship. Due Diligence Support: How Scott's team can now assist with BPOs, O&Es, and other critical due diligence documents for your deals. Are You Ready to Jump on the Board?The market isn't "bad"—it's just changing. If you are willing to pick up the phone, knock on a door, or start a mail campaign, there is plenty of room on the Monopoly board for you. Don't wait for the foreclosure auction; get the lead while the borrower is still in the early stages of default and nobody else is looking.Watch the Original Video HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Mastering the Tape: Strategies for High-Volume Note InvestingWelcome to a special edition of Note Night in America! It is hard to believe that 2026 is already nearly a sixth of the way through. Time flies when deals are crossing your plate, and tonight we are diving deep into a massive new "tape" of 1,317 owner-financed notes that just hit the market. Whether you are a seasoned pro or just getting your feet wet, the sheer volume of opportunities available right now—especially across states like Texas, Florida, and Arizona—is staggering. We are breaking down how to stop "falling in love" with a single deal and instead start bidding at scale to ensure you actually get assets under contract.Five Key Takeaways from the 1,300+ Note TapeDon't Over-Analyze the Front End: Many investors waste hours on bid work; if you spend more than 30 minutes on a tape like this, you are over-thinking it.Bidding Without Addresses: High-level sellers often "mask" addresses to protect the privacy of their portfolios; you must learn to bid based on provided AVMs and ZIP codes, with the understanding that bids can "fade" once full due diligence begins.Targeting Double-Digit Yields: For performing notes, the goal is often a 16% yield on cash flow, allowing you to pay your investors a solid 7–9% while keeping the spread.Geographic Opportunities: While Texas leads the current tape with 425 notes, surprising opportunities are popping up in places like Alaska, which has 17 notes available—the most we've ever seen there.The Power of Volume: Instead of bidding on two notes, bid on twenty; increasing your volume significantly raises your chances of successful acquisitions in a competitive market.As we prepare for our upcoming three-day workshop in Austin, the focus remains on real-world application. From leveraging AI to finding deals and raising capital, the landscape of note buying is shifting. The world has changed quite a bit in the last year, and staying updated with new marketing tactics and vendor networks for BPOs and title work is essential for success.The window to act on this current tape is small, with bids due in just 48 hours. Success in this industry isn't about finding the "perfect" note; it's about understanding the numbers, staying disciplined with your yields, and having the courage to submit offers across multiple states. If you're ready to take your portfolio to the next level, it's time to dive into the spreadsheets and start bidding. We'll see you at the top! Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Mastering the Tape: Strategies for High-Volume Note InvestingWelcome to a special edition of Note Night in America! It is hard to believe that 2026 is already nearly a sixth of the way through. Time flies when deals are crossing your plate, and tonight we are diving deep into a massive new "tape" of 1,317 owner-financed notes that just hit the market. Whether you are a seasoned pro or just getting your feet wet, the sheer volume of opportunities available right now—especially across states like Texas, Florida, and Arizona—is staggering. We are breaking down how to stop "falling in love" with a single deal and instead start bidding at scale to ensure you actually get assets under contract.Five Key Takeaways from the 1,300+ Note TapeDon't Over-Analyze the Front End: Many investors waste hours on bid work; if you spend more than 30 minutes on a tape like this, you are over-thinking it.Bidding Without Addresses: High-level sellers often "mask" addresses to protect the privacy of their portfolios; you must learn to bid based on provided AVMs and ZIP codes, with the understanding that bids can "fade" once full due diligence begins.Targeting Double-Digit Yields: For performing notes, the goal is often a 16% yield on cash flow, allowing you to pay your investors a solid 7–9% while keeping the spread.Geographic Opportunities: While Texas leads the current tape with 425 notes, surprising opportunities are popping up in places like Alaska, which has 17 notes available—the most we've ever seen there.The Power of Volume: Instead of bidding on two notes, bid on twenty; increasing your volume significantly raises your chances of successful acquisitions in a competitive market.As we prepare for our upcoming three-day workshop in Austin, the focus remains on real-world application. From leveraging AI to finding deals and raising capital, the landscape of note buying is shifting. The world has changed quite a bit in the last year, and staying updated with new marketing tactics and vendor networks for BPOs and title work is essential for success.The window to act on this current tape is small, with bids due in just 48 hours. Success in this industry isn't about finding the "perfect" note; it's about understanding the numbers, staying disciplined with your yields, and having the courage to submit offers across multiple states. If you're ready to take your portfolio to the next level, it's time to dive into the spreadsheets and start bidding. We'll see you at the top!Watch the Original VIDEO HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join Note Night in America community today:WeCloseNotes.comScott Carson FacebookScott Carson TwitterScott Carson LinkedInNote Night in America YouTubeNote Night in America VimeoScott Carson InstagramWe Close Notes Pinterest

At ITEXPO / MSP EXPO, Doug Green, Publisher of Technology Reseller News, spoke with Lyle Pratt, CEO of Vida, about the company's latest release: an expanded AI Agent Operating System designed for enterprise scale and built specifically for MSPs and channel partners. Vida provides AI-powered phone agents that integrate directly into existing UCaaS and telecom environments. With native SIP registration, Vida's agents can register back to an MSP's current UCaaS platform and appear just like any other VoIP endpoint. The new release enhances omnichannel capabilities, centralized control, observability, billing integrations, and reseller management—allowing MSPs to deploy, monitor, and monetize AI agents at scale across multiple customers. Pratt emphasized that the platform was architected from a telecom channel background. “We've designed the OS specifically for MSPs,” he said. “We make it extremely easy to roll those out to all your customers using our AI Agent OS.” Vida supports a multi-tier model—partners, resellers, enterprises, and agents—enabling white-label deployments where MSPs retain brand control and pricing authority. The platform also includes built-in billing and reporting capabilities to streamline recurring revenue operations. A key opportunity lies in redirecting call traffic that traditionally flows to third-party call centers or BPOs. Vida's AI phone agents can handle first-tier interactions at approximately 15 cents per minute, enabling MSPs to capture revenue streams that previously bypassed them. “Software is going to begin to eat into the labor market,” Pratt noted. “And that actually is great for MSPs because they sell software solutions—now they can collect those margins for themselves.” As AI continues to reshape communications infrastructure, Vida is positioning its platform as the backbone for next-generation IVRs, auto attendants, and voice-driven automation. With SOC 2 and HIPAA compliance, flexible integrations, and omnichannel automation capabilities across voice, SMS, and email, the company is aiming to simplify AI deployment for MSPs while opening new, high-margin revenue paths. Visit https://vida.io/

Your Note Investing Super Bowl: Build a Dream Team to Dominate 2026!Alright, everybody! Scott Carson here, ready to tackle a crucial topic that's been lighting up my phone: building your ultimate note investing dream team. With the Super Bowl on the horizon, it's the perfect analogy – you wouldn't put a quarterback at nose tackle, right? The same goes for real estate. You can't be a solo-preneur, trying to do it all yourself, especially when you're buying notes in 20+ states like me!Many new investors (like Vincent from Harrisburg, PA – this one's for you, buddy!) think they need to master every single task. But here's the kicker: delegating isn't just smart; it's essential. I've been coaching for almost two decades, and the most successful investors aren't just good at one thing; they're great at assembling a team. So, let's draft your winning lineup for 2026!Here's how to build your note investing dream team:The Scouting Report: REIAs & Networking: Your first stop? Local Real Estate Investor Associations (REIAs) and BNI groups. These are your recruiting grounds for investor-friendly realtors, title companies, and other pros. Don't be a wallflower; get there, ask around, and find the right people who want to work with investors.The Playmakers: Realtors & Title/Attorneys: You need reliable realtors for BPOs and market insights (especially out-of-state!). Pair them with investor-friendly title companies or real estate attorneys for seamless closings and secure money transfers. They're critical for evaluating and closing your deals.The Coaches: Licensed Servicers & Foreclosure Attorneys: For note investors, a licensed servicer is non-negotiable – they collect payments, handle communication, and manage legalities, saving you headaches (and potential fines!). A real estate attorney in every state you're active in is your offensive coordinator for foreclosures and workouts.The Finance Department: Hard Money & Private Capital: Even if you're the bank, you need a bank! Build relationships with hard money lenders for REO rehabs and, crucially, cultivate private money investors (IRAs, OPM). Your network of other investors can also be a goldmine for capital.The Ground Crew: Contractors & Property Management: When you take back an REO, you need reliable contractors (roofers, HVAC, handyman crews) to get it market-ready. For rentals, a trusted property manager (preferably local) is essential. These are your boots-on-the-ground, turning a problem asset into a profitable solution.You're not Tom Brady, trying to throw the ball to himself and run the field without blockers. You need a team that takes things off your plate, provides expertise, and moves your deals forward. My success, and my students', comes from building these relationships.Don't let the thought of doing it all yourself cripple your ambition. Leverage your network, find your dream team, and watch your note investing portfolio soar. If you need help finding these all-stars, reach out – we have a nationwide network ready to help you take your business to the next level. Go out, take some action, and let's go win that Super Bowl!Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Jamie Cuffe is solving one of AI's hardest problems: getting conservative, regulated industries to trust autonomous agents with mission-critical work. At Pace, he's building AI that replaces traditional BPOs in insurance, handling everything from email triage to claims processing with 50-75% cost savings. Drawing on his experience at Retool, Jamie emphasizes the importance of "closing the distance" with customers through forward-deployed engineering and being "the rock" that clients can rely on. He shares how focusing on top-tier insurance carriers and maintaining exceptionally high standards is enabling Pace to capture a meaningful share of the $400 billion BPO market while building a durable business model - at AI-native velocity. Hosted by Lauren Reeder and Pat Grady, Sequoia Capital

Good morning, afternoon, and good evening, investor! Scott Carson here, ready to tackle the burning questions in the note investing world. I went straight to the source – Google's Gemini AI – and asked for the 20 most frequently asked questions by note investors. And let me tell you, AI did not disappoint! Since so many new folks want to jump into the "sexy side of real estate," I'm breaking down these essential FAQs to help you act like the bank, not the pawn.If you've ever wondered how much cash you really need, whether you own the property (spoiler: you don't!), or how to avoid common pitfalls, this episode is your no-nonsense guide. As I always say, the pen is mightier than the hammer, and these insights are your ultimate toolkit for 2026.Here's your AI-powered cheat sheet to note investing:Note Investing 101: The Basics & Beyond: What's a real estate note? (It's an IOU, baby!). What's the difference between performing, non-performing, and "scratch & dent" loans? And seriously, how much money do you actually need to start? (Hint: it can be less than you think!).Yields, Values & Spreads (No, Not Butter): Unpack what constitutes a "good yield" for performing (9-12%!) and non-performing notes (20%+!). Learn about Investment-to-Value (ITV), Unpaid Principal Balance (UPB), and how to calculate your true return so you're not paying too much for the paper.Due Diligence Decoded (Without Owning the House!): Master the art of checking property condition (BPOs!), title (O&E reports!), and borrower payment history (servicing notes!). Plus, the absolute non-negotiables: collateral files and an unbroken chain of assignments – essential to avoid a "dud" deal.Operations & Management: Who Ya Gonna Call? (Not the Borrower!): Understand why you never call the borrower yourself (it's illegal, buddy!). Learn how servicers manage payments, what happens if a borrower stops paying (loan modifications, cash for keys, foreclosure!), and who's really on the hook for property taxes.Funding Your Future: IRAs & Beyond: Discover how Self-Directed IRAs are a game-changer for note investors, allowing tax-free or deferred growth. Learn about "cash for keys" as a smart exit strategy to avoid costly foreclosures, and why a clear plan beats wishful thinking every time.Whether you're a seasoned pro or just dipping your toes into the "paper investing" world, these 20 FAQs are fundamental. Don't be that person who learns the hard way because they didn't ask. Take action, get educated, and start acting like the bank. Because in the note world, being smart with your debt can make you a whole lot of dough!Want to learn more? Head over to weclosenotes.com, keep listening to the podcast, or sign up for our next workshop at notebuyingfordummies.com. Go out, take some action, everybody, and we'll see you at the top!#NoteInvesting #RealEstateInvesting #NoteInvestingFAQs #AIinRealEstate #PerformingNotes #NonPerformingNotes #DueDiligence #SelfDirectedIRA #CashForKeys #Foreclosure #InvestmentStrategy #RealEstateEducation #PodcastWatch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Nick Jiwa is the founder and president of CustomerServ. He is based in Houston, Texas, USA. In this episode Nick talks to Peter Ryan about the importance of people in CX - in particular in BPOs. He asks why people have always been central to the customer experience, but now it sounds like everyone is just focused on AI and automation?  It's time to refocus on people and culture because this is how brands connect with customers and this leads to the success they need - extra revenue, loyalty, retention etc... https://www.linkedin.com/in/nickjiwa/ https://www.customerserv.com/   The Call Center – Still a People Business (Nick Jiwa - Aug 12, 2025) https://www.linkedin.com/pulse/call-center-still-people-business-nick-jiwa-sn5lf/   Summary: Mark Hillary and Peter Ryan discuss the importance of human interaction in customer experience (CX) with Nick Jiwa, founder of CustomerServ. Jiwa emphasizes that despite technological advancements, CX remains a people-centric industry. He criticizes large BPOs for prioritizing tech over people, noting that many have an identity crisis. Jiwa highlights the resilience of the call center industry, projecting its growth from $300 billion to $500 billion by 2030. He argues that AI will enhance, not replace, human roles, particularly in emotional and complex interactions. The conversation underscores the need for a refocus on people, culture, and leadership in CX.

After 20+ years at some of the most important Silicon Valley tech companies like Yahoo, LinkedIn, Oracle, Informix and NerdWallet, Bhaskar today leads investment of enterprise infrastructure companies at 8 VC.Bhaskar Ghosh spent 20+ years at some of the most important Silicon Valley tech companies before moving into venture capital as a Partner at 8VC.After completing his PhD in computer science from Yale, he worked across Yahoo, LinkedIn, Oracle, Informix and NerdWallet. He brings this experience to founders building the next generation of enterprise infrastructure companies.In this episode Bhaskar explains how IT services are being reimagined for India, a country that over the last 25 years turned its skilled workforce into a global services engine. We discuss the shift happening inside workflows most people do not think about: mid-office ops, call centers, insurance, travel and HR. These are areas where thousands of people move information every day, and where AI is now good enough to take over entire workflows.Bhaskar talks about the founders already building in this space, including those buying traditional services companies and rebuilding them with AI at the core. He also explains why this new wave will not behave, scale or be valued like SaaS, because this is no longer pure software. It is the reinvention of services.If you are a founder making engineering decisions, someone curious about the less visible layers of software, or interested in people who move technology forward, this conversation with Bhaskar is for you.00:00 –Trailer03:03 – How India will reimagine IT services (TCS, Infosys)04:32 – “why now” of services06:07 – How unstructured data became easier to handle?07:53 – What LLMs can do today with high precision10:35 – Use of GenAI will increase margins in services11:54 – Front & mid offices will become more productive and lean14:30 – Will a pure services business scale anymore?15:55 – Legacy service businesses + AI-first software20:04 – Real challenge to operate and scale such businesses20:33 – 3 reasons on why SaaS companies get higher multiples?22:06 – Network-effect players win big in SaaS24:18 – Replacing software v/s replacing services26:16 – Business without inherent network effects (yet)28:22 – Is AI unlocking TAM larger than Software era?30:57 – How prosperity of a country influences growth of Co's32:50 – India's tech talent is key to India-US corridor39:36 – Deeply disruptive AI Co's will come from India43:04 – How new-age AI services companies of India should grow in US?44:39 – Current BPOs have an unfair advantage47:21 – Will older BPOs understand the importance of AI?49:22 – A Moat in outcome-based pricing can replace old businesses51:50 – Has the US ever been sensitive to cost?55:23 – The new AI-enabled services have a Palantir-risk flavour58:47 – Where to build when model Co's eat forward & backward revenue?01:06:10 – What type of founding teams are needed?01:08:10 – How founders think about GTM is changing-------------India's talent has built the world's tech—now it's time to lead it.This mission goes beyond startups. It's about shifting the center of gravity in global tech to include the brilliance rising from India.What is Neon Fund?We invest in seed and early-stage founders from India and the diaspora building world-class Enterprise AI companies. We bring capital, conviction, and a community that's done it before.Subscribe for real founder stories, investor perspectives, economist breakdowns, and a behind-the-scenes look at how we're doing it all at Neon.-------------Check us out on:Website: https://neon.fund/Instagram: https://www.instagram.com/theneonSend us a text

I see business owners make the same mistake over and over—they chase “cheap outsourcing” and end up paying way more than they should.

Gerry Brown is known as the customer lifeguard. His ambition is to save the world from poor customer service. Gerry is Canadian and based in the south of the UK. Gerry has written a book titled 'When a customer wins, nobody loses.' He has a podcast and he is a regular speaker and adviser, regularly hosting CX workshops. Mark called Gerry to ask about his book and the post-pandemic CX environment. In particular how can BPOs get more closely aligned with the needs of customers when AI is changing the entire industry?   https://www.linkedin.com/in/gerryhbrown/ https://thecustomerlifeguard.co.uk/ https://www.amazon.co.uk/When-Customer-Wins-Nobody-Loses-ebook/dp/B07BFC83MZ/   Summary : Mark Hillary and Peter Ryan discuss the evolving landscape of customer experience (CX) with guest Gerry Brown, an independent consultant and author of "When a Customer Wins, Nobody Loses." They explore the shift from traditional customer service to more complex, multi-channel environments, including the rise of AI and automation. Brown highlights the importance of aligning customer needs with BPO services, noting that many organizations still handle customer service in-house. He emphasizes the need for BPOs to offer comprehensive solutions and the growing use of AI for efficiency and cost savings. The conversation also touches on the impact of the pandemic on remote work and the ongoing challenge of integrating legacy systems.

Paul O'Hara is the Executive Vice President of Business Development at TP EMEA. He is based in the Tyneside area of North-East England. Paul recently published an article on Customer Think magazine titled "AI Won't End BPO - It'll Supercharge It." Mark called Paul to ask Paul about the article. What was Paul trying to say? How does he believe that AI and human-focused customer service can be blended? How can smarter more value-driven CX be planned using AI? Paul outlined many of these ideas in his article, but Mark questioned him further on the reasons he felt the need to talk about AI in this way. Mark even mentioned this conversation with Paul in a SubStack article he published earlier this week. https://www.linkedin.com/in/pauloharateleperformance/ https://customerthink.com/ai-wont-end-bpo-itll-supercharge-it/ https://www.tp.com/ https://markhillarysp.substack.com/p/ai-in-customer-service-isnt-about   Summary: Mark Hillary and Peter Ryan discuss the impact of AI on Business Process Outsourcing (BPO) with Paul O'Hara, EVP for Business Development at Teleperformance (TP). O'Hara argues that AI will enhance, rather than replace, BPO services. He emphasizes the importance of blending AI with human expertise to deliver smarter, scalable, and value-driven customer experiences. O'Hara highlights that BPOs, with their operational backbone and regulatory compliance, are better positioned to design and scale CX solutions. He predicts continued growth in the BPO industry, driven by automation and ethical outsourcing, and stresses the need for performance-based models over traditional metrics.

Outsourcing podcast Get the full show notes for this outsourcing podcast here: outsourceaccelerator.com/561   Monday.com In this episode of the Outsource Accelerator Podcast, Nir Yamin from monday.com shares how the platform has become a cornerstone for the modern BPO industry.  From flexible workflows to AI-powered tools, Nir explains how monday.com helps outsourcing firms streamline operations, improve visibility, and prepare for the next era of tech-enabled outsourcing.   References: Website: https://monday.com/lang/en-ph/?utm_source=outsourceaccelerator.com&utm_medium=article LinkedIn: https://www.linkedin.com/in/niryamin?originalSubdomain=au   Start Outsourcing Outsource Accelerator can help you transform your business with outsourcing. Get in touch now, or use one of the resources below.   Business Process Outsourcing Get a Free Quote - Connect with 3 verified outsourcing experts & see how outsourcing can transform your business Book a Discovery Call - See how Outsource Accelerator can help you enhance your company's innovation and growth with outsourcing The Top 40 BPOs - We have compiled this review of the most notable 40 Business Process Outsourcing companies in the Philippines Outsourcing Calculator - This tool provides you with invaluable insight into the potential savings outsourcing can do for your business Outsourcing Salary Guide - Access the comprehensive guide to payroll salary compensation, benefits, and allowances in the Philippines Outsourcing Accelerator Podcast - Subscribe and listen to the world's leading outsourcing podcast, hosted by Derek Gallimore Payoneer - The leading global B2B payment solution for the outsourcing industry   About Outsource Accelerator Outsource Accelerator is the world's leading outsourcing marketplace and advisory. We offer the full spectrum of services, from light advisory and vendor brokerage, though to full implementation and fully-managed solutions. We service companies of all sectors, and all sizes, spanning all departmental verticals. Outsource Accelerator's unique approach to outsourcing enables our clients to build the best teams, access the most flexible solutions, and generate the best results possible. Our unrivaled sector knowledge and market reach mean that you get the best terms and results possible, at the best ALL-IN market-leading price - guaranteed.

This week Scott reviews another tape of assets from a new provider. Buckle up your boot straps and hold on tight for this thrill ride of reverse mortgage notes. Scott dives into the map and spreadsheet, outlining the positives and negatives of the assets, giving tips along the way!Illinois Foreclosure This state takes longer to foreclose on!Manufactured Homes with far comps: How accurate are BPOs with far comps?REO and foreclosure When do you fix up and when do you flip?Days on Market How can you get a good price for an asset in a slower market?Max Claim What exactly is the max claim?Redemption Period and Foreclosure in the same sentence! This one is for the pros that are the most patient of note investors that are prepared for some possible litigation with estate holders!Manufactured Homes at high BPO's These assets are out in the middle of nowhere with comps from 20 miles away.Elderly Owners: Reverse Mortgages require owners that are 65 years or older, you are potentially foreclosing on grandma!HUD Claims: What is the HUD Max Claim?The Seller. This is not Scott's usual seller, so expect surprises when working with a new provider.Whether you're a seasoned investor or new to real estate note investing, it can be a challenge so grab your education to get the right start.Watch the Original Video Here!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes PinterestGet signed up for the Next Virtual Note Buying Workshop Now!

This week, Scott reviews another tape of assets from a new provider. Buckle up your boot straps and hold on tight for this thrill ride of reverse mortgage notes. Scott dives into the map and spreadsheet, outlining the positives and negatives of the assets, giving tips along the way!Illinois Foreclosure This state takes longer to foreclose on!Manufactured Homes with far comps: How accurate are BPOs with far comps?REO and foreclosure When do you fix up and when do you flip?Days on Market How can you get a good price for an asset in a slower market?Max Claim What exactly is the max claim?Redemption Period and Foreclosure in the same sentence! This one is for the pros that are the most patient of note investors that are prepared for some possible litigation with estate holders!Manufactured Homes at high BPO's These assets are out in the middle of nowhere with comps from 20 miles away.Elderly Owners: Reverse Mortgages require owners that are 65 years or older, you are potentially foreclosing on grandma!HUD Claims: What is the HUD Max Claim?The Seller. This is not Scott's usual seller, so expect surprises when working with a new provider.Whether you're a seasoned investor or new to real estate note investing, it can be a challenge so grab your education to get the right start.Watch the Original Video Here!Love the show? Subscribe, rate, review, and share!Here's How »Join Note Night in America community today:WeCloseNotes.comScott Carson FacebookScott Carson TwitterScott Carson LinkedInNote Night in America YouTubeNote Night in America VimeoScott Carson InstagramWe Close Notes PinterestGet signed up for the Next Virtual Note Buying Workshop Now!

Most recruitment firms stall at $1M revenue. Greg Fischer broke through by building a high-retention offshore team, embedding himself inside client organizations with RPO, and using LinkedIn commenting as a smarter BD strategy. As Co-Owner of AMI Network, Greg scaled from $1M to $4.2M revenue and $1.4M profit sustaining 30–40% margins. His model: hire offshore staff directly, integrate them as equals, and use a 2:1 sourcer-to-recruiter ratio to free recruiters to bill more. Alongside that, he mastered RPO pricing, transforming a $30K placement into a $1.5M account. Today, as founder of Well Oiled Machine, Greg helps other firms replicate this approach. In this episode, he shares how to structure offshore teams for 85%+ retention, qualify RPO opportunities, and win clients through LinkedIn commenting. Episode Outline and Highlights 6:42 From solo founder's first hire to 40-person team. 7:40 Breaking the $1M ceiling with offshore hiring after failed BPOs. 12:37 Why sourcing was the first offshore function and how it lifted billings. 23:18 Landing a $50K/month RPO by reframing a client's hiring challenge. 28:07 How that grew into an $80K/month RPO account with 30–40% margins. 30:45 When to pitch RPO: the minimum job volume that makes it viable. 33:47 The “open + close” fee model that stabilized cash flow. 36:23 How a 2:1 sourcer-to-recruiter ratio frees recruiters to bill more. 39:08 Why most agencies fail with offshore—and how to do it right. 47:19 Choosing the right country: Mexico vs Philippines vs South Africa. 54:51 Greg's daily LinkedIn commenting routine that built an inbound pipeline. Key Takeaways Offshore Done Right Fuels Scale Greg's agency was stuck at $1M for four years. BPOs failed, freelancers flaked. The breakthrough came when he hired offshore staff directly, trained them thoroughly, and treated them as equals. Within three years, AMI scaled to $4M+ revenue with 30–40% profit margins and 85% retention. Offshore wasn't a cheap fix; it was the lever that freed recruiters to focus on revenue-driving work. The RPO Question That Unlocks Recurring Revenue A referral asked for an internal recruiter. Greg's partner asked: “Why now?” The answer—50 hires in six months—turned a $30K placement into a $50K/month retainer that ran three years, worth $1.5M. His rule: RPO only works with 5–10 requisitions/month and $15K+ revenue. Anything less is contingent search. Over time, he moved to an “open fee + closed fee” model that kept revenue flowing and profit margins at 30–40%. LinkedIn Strategic Commenting Works Greg built AMI Network through cold outbound. For Well Oiled Machine, he went another route: commenting daily on posts from 60 recruitment thought leaders. Thirty minutes before posting, thirty minutes after. The results? Comments hitting 20,000+ impressions—often outperforming original posts. On LinkedIn, comments are content, and for agency owners this is a repeatable, low-cost BD strategy that beats cold calling. Greg Fischer Bio and Contact Info Greg is the former Co-Owner of AMI Network, a healthcare recruitment agency that did $1.4M in Profit on just $4.2M in revenue. His secret? 18 of his 40 team members were Offshore high-performing employees, with annual retention over 85%. Now his firm, Well Oiled Machine recruits Offshore & Nearshore staff for Recruitment Firms & Staffing Agencies. Greg Fischer on LinkedIn Well Oiled Machine website link Connect with Mark Whitby Get your FREE 30-minute strategy call Mark on LinkedIn Mark on Facebook Mark on Instagram: @RecruitmentCoach Subscribe to The Resilient Recruiter

Wayne Butterfield, partner at Information Services Group (ISG), joins Gadi Shamia, CEO and Co-Founder of Replicant, to unpack why legacy outsourcing models are on borrowed time, what separates the winners from the walking dead, and how outcome-based contracts and AI-native partnerships are defining the next decade of CX. If you're betting your contact center strategy on “mess for less,” this episode is your wake-up call.In this episode:Why CX outsourcing is broken and how most companies are still getting it wrongThe 3 types of BPOs in today's market, and which ones are built to survive the AI eraHow Amazon rewrote the outsourcing playbook with outcome-based contractsWhy “mess for less” is a dead-end strategy, and what replaces itThe rise of agentic AI and what it means for Tier 1 automationWhat CEOs need to know before green-lighting another call center deal

Cheryl Paarwater is the Managing Director at Enerlytics & Call Lab BPO. She is based in Cape Town, South Africa. Cheryl has championed CX in South Africa for many years and is a board member of BPESA - the trade promotion agency for business process service companies in South Africa. In this conversation with Peter Ryan, Cheryl explores how BPO and CX has created many opportunities for employment in South Africa - and beyond - and this has created a very positive socio-economic ripple effect. People leaving informal jobs and entering contact centers pay tax, support their family, and help to support other businesses selling services to those working directly in BPOs. As AI is gradually introduced in many CX processes, there is a fear in the industry that entry-level positions may no longer be staffed by humans. The most immediate effect is a reduction in the number of jobs created, but what are the wider effects of thinking that we can just replace people with bots? https://www.linkedin.com/in/cheryl-paarwater/ https://call-lab.com/   SUMMARY:  Mark Hillary and Peter Ryan discuss the impact of artificial intelligence (AI) on customer experience (CX) jobs, particularly in South Africa. Cheryl Paarwater, CEO of Call Lab, highlights concerns about AI replacing human roles, which could exacerbate unemployment and social issues. Despite AI's potential to automate 10-15% of roles, Peter notes that many AI projects fail, citing a 42% failure rate in 2020. Cheryl emphasizes the need for AI to enhance human roles rather than replace them, suggesting AI could improve education and support high-value interactions. They stress the importance of a balanced approach to AI implementation in CX.

AGNTCY - Unlock agents at scale with an open Internet of Agents. Visit https://agntcy.org/ and add your support. What happens when AI meets the chaos of real-world customer support? In this episode of Eye on AI, we sit down with Ryan Wang, co-founder and CEO of Assembled, to unpack how AI is transforming the future of customer service, without replacing humans. Ryan reveals how Assembled went from a workforce scheduling tool to a full-stack AI support platform used by companies like Stripe, Robinhood, and Honeylove. You'll learn how conversational AI agents are handling up to 75% of support inquiries, why voice is the next big frontier, and how AI copilots are helping human agents become 15% more productive. But this isn't just hype. Ryan shares the hard economic truths behind automation—why humans aren't going away, how companies are navigating global workforce optimization, and why hybrid AI + human systems are here to stay. This episode gives you a front-row seat into how the smartest companies are rethinking support at scale. Stay Updated: Craig Smith on X:https://x.com/craigss Eye on A.I. on X: https://x.com/EyeOn_AI (00:00) Preview and Intro (01:37) Ryan Wang's Journey from Stripe to Assembled   (04:55) Launching Assembled (09:49) From Scheduling Tool to AI-Powered Support   (12:11) Who Uses Assembled: Companies vs. BPOs   (14:57) Building Conversational and Voice AI Agents   (21:10) Competing with Zendesk, Salesforce & Crescendo   (23:07) How Assembled Integrates with Customer Support Stacks   (25:40) The Niche Power of Workforce Management Tech   (31:16) Why the Customer Support Market Is Ripe for Disruption   (33:47) How Assembled Swaps Between OpenAI, Claude & Others   (37:56) Evaluating LLMs with Golden Datasets and 'Vibe Checks'   (41:20) Multilingual Support and the Challenge of Europe   (45:11) Industry Focus vs. Complexity Focus   (47:43) Voice AI: The Next Big Frontier? (50:18) The Truth About AI Replacing Jobs in Support   (54:39) The Automation Paradox: Why Labor Isn't Shrinking  

Amanda Quinn is the Founder and Principal of Quinn Growth Advisors. She is based in Raleigh, North Carolina, USA. In this conversation with Peter Ryan, Amanda talks about her work advising BPOs on how to build growth and develop a sales pipeline. Amanda advises focusing on deep expertise and specialization, rather than claiming to offer every single service and excelling at none of them. How can BPOs compete and leverage technology to improve what they offer to clients? https://www.linkedin.com/in/amandaquinnmalach/ https://quinngrowthadvisors.com/   SUMMARY: Mark Hillary and Peter Ryan discuss the challenges faced by BPOs (Business Process Outsourcing) in the market, emphasizing the need for specialization over generalism. They highlight the inefficiencies of BPOs claiming to offer a wide range of services without excelling in any. Amanda Quinn, founder of Quinn Growth Advisors, is introduced as a guest who advocates for BPOs to focus on niche markets and develop deep expertise. Quinn advises BPOs to identify their strengths through internal stakeholder meetings and client feedback, and to expand by adding related services or industries. She also stresses the importance of charging for value-added services and leveraging technology to enhance service delivery.

Tune into our weekly LIVE Mastermind Q+A Podcast for expert advice, peer collaboration, and actionable insights on success in the Probate, Divorce, Late Mortgage/Pre-Foreclosure and Aged Expired niches!In today's episode of the All The Leads Mastermind podcast the spotlight was on short sales, how they work, when to use them, and why they're making a comeback as late mortgage and distressed property leads rise. Special guest Pam shared insights from over 2,000 short sale transactions, explaining how agents can partner with experts to handle the complex back-end process while staying focused on listing and selling. The discussion covered key documentation, timelines, lender criteria, and how short sales differ from traditional negotiations, emphasizing that banks aren't looking for lowball offers but complete well-documented packages. The team walked through scenarios including probate, divorce, reverse mortgages, and foreclosure, highlighting how short sales can be a solution even weeks before a sale date. Listeners learned how Pam is compensated through buyer-side closing costs, how MLS listing requirements affect investor offers, and why acting early gives agents a huge advantage. The episode closed with a strong call-to-action: use the new submission form at alltheleads.com/shortsale to turn tough leads into closable deals with expert support.

Hey, Note Closers! In this episode of The Note Closer Show, Scott Carson dives deep into the world of reverse mortgages and how to potentially profit from them! Scott walks through the process of evaluating a tape of 52 reverse mortgages, offering insights into identifying deals, assessing property values, and understanding the foreclosure process in different states. Learn how to analyze potential profits, estimate rehab costs, and navigate the complexities of HUD and BPOs. Whether you're a seasoned note investor or just starting out, this episode is packed with actionable information to help you make informed decisions.Here's What You'll Discover:Reverse Mortgage Overview: Understand the basics of reverse mortgages, including how they work, why they default, and the potential equity involved.Tape Analysis: Learn how to analyze a tape of reverse mortgages, including key data points like BPO, estimated full payoff, and foreclosure status.State-Specific Foreclosure Processes: Discover the differences in foreclosure timelines between states like Oklahoma and North Carolina and how that impacts your investment strategy.Valuation & Rehab: Strategies for evaluating property values, estimating rehab costs, and determining if a property is worth foreclosing on vs. selling as-is.BPO & Due Diligence: The importance of obtaining Broker Price Opinions (BPOs) and conducting thorough due diligence, including title reports and interior inspections.Profit Calculation: Walk through calculating potential profits, considering factors like money costs, closing costs, and potential returns at foreclosure auctions.Property Examples: Review of real property examples, including analysis of estimated values and rehab estimatesThe 8-9 reverse mortgages that look attractive.Don't forget to like, subscribe, and hit the notification bell so that you are the first to know about new episodes and note investing strategies!Conclusion:Evaluating reverse mortgages can be overwhelming. In this episode, Scott breaks it all down to make it manageable. Make sure to perform the due diligence to determine a property's real potential!Map of the NotesWatch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

In this insightful episode of the Note Closers Show, Scott Carson discusses how to be a smart note investor in today's rapidly evolving market. With the rise of AI and the constant shifts in the real estate landscape, it's crucial to stay updated and adapt your strategies. Scott shares key insights on what smart note investors are doing to thrive in 2025 and what outdated practices to avoid.Key Discussion Points:Avoiding Outdated Strategies: Discover why buying lists of newly originated mortgage notes is often a waste of time and money. Learn why these lists are often dead leads and why sellers are unable to offer discounts.Leveraging Modern Tools and Technologies: Understand the importance of using the internet, AI, and other smart tools to work more efficiently. Scott emphasizes the need to evolve with the times and avoid relying on outdated methods.Building Direct Relationships: Learn why smart investors go directly to banks, hedge funds, and servicing companies instead of relying on third-party websites or seller's reps. Building these relationships leads to better deals and access to more opportunities.Creating and Sharing Content: Discover the power of creating your own content through videos, podcasts, and newsletters. Sharing your knowledge and deals helps build confidence and attract potential investors.Making Multiple Offers and Conducting Due Diligence: Understand the importance of making multiple offers to increase your chances of acceptance. Scott stresses the need to perform thorough due diligence, including ordering BPOs, getting eyes on the property, and conducting title work.Closing:Tune in to learn how to revolutionize your note investing strategy and thrive in 2025. By avoiding common pitfalls and embracing modern tools and techniques, you can become a successful and smart note investor.Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes PinterestGet Signed Up For the WCN Membership HERE!

How to Truly Know the Value of your Collateral - #270 Knowing the true value of your collateral is one of the most critical parts of being a successful private or hard money lender. In this episode, Jason and Chris break down exactly how they determine property values beyond just appraisals and third-party reports.