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Mike Maloney: "No Matter What the Fed Does, the Precious Metals Are Going North!" Mike Maloney thinks silver is going to triple digits, the Fed will print more, and gold will surge higher as a result. Hard assets my friends, this is the way. Mike doesn't just speak the language, he walks the talk. His 900-acre farming operation in Puerto Rico is a testament to that. https://youtu.be/sQMNpCURuTM?si=p00uXEgx_pt2GsPr Peak Financial Investing 6.33K subscribers 13,200 views Aug 5, 2025 Join the discussion at Peak Prosperity: https://peak.fan/2p8j8fn3 Contact Peak Financial Investing at https://peak.fan/ycy6dsr6 FINANCIAL DISCLAIMER. PEAK PROSPERITY, LLC, AND PEAK FINANCIAL INVESTING ARE NOT ENGAGED IN RENDERING LEGAL, TAX, OR FINANCIAL ADVICE OR SERVICES VIA THIS WEBSITE. NEITHER PEAK PROSPERITY, LLC NOR PEAK FINANCIAL INVESTING ARE FINANCIAL PLANNERS, BROKERS, OR TAX ADVISORS. Their websites are intended only to assist you in your financial education. Your personal financial situation is unique, and any information and advice obtained through this website may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your accountant or other financial advisers who are fully aware of your individual circumstances.
This week on the Talking Headways podcast we're joined once again by Colin Parent of Circulate San Diego to discuss a new report entitled The Powerless Brokers: Why California Can't Build Transit. We talk about permitting delays and reforms, public sector capacity, and giving transit authorities more authority. +++ Get the show ad free on Patreon! Follow us on Bluesky, Threads, Instagram, YouTube, Flickr, Substack ... @theoverheadwire Follow us on Mastadon theoverheadwire@sfba.social Support the show on Patreon http://patreon.com/theoverheadwire Buy books on our Bookshop.org Affiliate site! And get our Cars are Cholesterol shirt at Tee-Public! And everything else at http://theoverheadwire.com
What's wrong with the supervisor/trainee model? Nothing, other than it does not work. Outside of that small limitation, it is entirely viable. So, really, despite the fact that model is as old as dirt, what's wrong with it? If it does not work, why did the appraisal industry implement it in the first place? Is it fixable? If it is fixable, who is going to fix it? What's wrong with the residential real estate supervisor/trainee model is, in part, how it started. Real estate appraisal has always been a cottage industry. It was originally an offshoot of the brokerage and construction industries. Brokers and builders were supposed to be familiar with real estate values, costs of construction, and so forth. In 1932, when what was then known as the American Institute of Real Estate Appraisers began, almost all of its members were also brokers and builders, as well as investors. While it had a formal Code of Ethics, as well as a formalized educational program, it had to form a plan by which to train new appraisers. It was just accepted that the old guys would teach the new guys the practical side of real estate appraisal. But that highlighted what was wrong with the residential real estate supervisor/trainee model. In many cases, the old guys did know there stuff but, for various reasons, were not willing and/or able to teach it to newbies. This is basically the problem with the system now. Lots of schools and programs "teaching" real estate appraisal, but no practical way for newbies to enter the system. Unfortunately, this is still the case. Remember, whether you have 30-years experience, or are a newbie, you'll need proper E&O insurance, as well as an administrative law attorney if you get that letter from your state.
This is Matt Reustle. Today's Breakdown caters to both public and private investors alike. My guest is Aaron Cohen, head of the Financial Services and Technology Group at GTCR, and our topic is insurance Brokers. I was initially intrigued by Aaron and GTCR after seeing their announced $13 billion sale of Assured Partners to Arthur J.Gallagher, an incredible success story in the insurance brokerage space that we covered in a previous breakdown. But, what I failed to appreciate, and you'll hear Aaron politely correct me in the episode, is that not only did GTCR own Assured through two separate periods, they actually built the business with CEO Jim Henderson from the ground up. We cover GTCR's approach to scaling businesses, the nuances of their leadership strategy, and why this space is so attractive to the PE market. Please enjoy this Breakdown on the insurance brokerage space. For the full show notes, transcript, and links to the best content to learn more, check out the episode page here. —- Business Breakdowns is a property of Colossus, LLC. For more episodes of Business Breakdowns, visit joincolossus.com/episodes. Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com). Show Notes (00:00:00) Welccome to Business Breakdowns (00:03:34) GTCR's Investment Strategy (00:05:31) Importance of Leadership in Investments (00:10:04) Insurance Brokerage Industry Insights (00:12:52) Changes and Trends in Insurance Brokerage (00:27:49) Role of Technology in Insurance (00:31:25) The Challenges of System Integration (00:32:52) Revenue Growth in the Insurance Industry (00:33:39) The Impact of Social Inflation (00:34:25) Emerging Risks and Cybersecurity (00:35:12) Insurance Brokers and Revenue Models (00:40:45) Financial Metrics and EBITDA Margins (00:42:58) Private Equity and Insurance Brokerage (00:45:49) The Assured Partners Story (00:54:16) Risks and Market Cycles in Insurance (00:57:35) Regulation and Industry Stability (00:58:49) Lessons From This Industry
Your sales funnel can only work if you know where your leads are coming from — and how to make the most of each source. But for many operators, coworking marketplaces, lead gen partners, and even Google Business Profiles feel like a confusing alphabet soup of options. In this episode, I break down the four core lead source categories, demystify the biggest marketplace players, and help you prioritize what's worth your time (and what isn't). We cover: The four main types of coworking lead sources: organic traffic, member referrals, brokers, and marketplaces What platforms like Deskpass, LiquidSpace, Gable, and Peerspace actually do — and who they're best for Why your Google Business Profile may be your most valuable (and underutilized) lead source The truth about Flexspace.ai, how it works, and how it's not a lead gen platform How to track your lead sources effectively and decide which platforms deserve your attention If you've ever wondered whether marketplaces are worth it or how to build a lead strategy that actually converts — this episode is your roadmap. Resources Mentioned in this Episode: Syncaroo Everything Coworking Featured Resources: Masterclass: 3 Behind-the-Scenes Secrets to Opening a Coworking Space Coworking Startup School Community Manager University Follow Us on YouTube
By 30, Kevin Dean has done more in commercial real estate than most do in a lifetime.In this episode, Kevin joins Bo and Timmy to unpack the mindset, discipline, and high-stakes moves that helped him build an extraordinary track record—while staying grounded in his mission, his family, and his faith.From walking away from security to betting on himself (and winning), Kevin shares:
The following guest sits down with host Justin White:• Kym Mason – Mortgage Broker, The Mason Group/Summit Lending Mortgage loan originators are always looking for reasons to reach out to past clients, especially those who already have a low interest rate. How can LOs convince clients to pick up the phone? Listen to episode #102 of Good. Better. Broker. to hear about a strategic approach for getting clients on the phone and the right questions to ask them.In this episode of the Good. Better. Broker. podcast, you'll learn how to conduct an annual review campaign to see if borrowers can benefit from a refinance. In this episode, we discuss ...• 1:27 – why Kym's business depends on staying in touch with past clients• 3:13 – Kym's annual review campaign• 4:05 – different methods for reaching out to past clients• 6:12 – intentionally sending calls to voicemail• 7:22 – the questions Kym asks when she gets a past client on the phone• 8:40 – how Kym found out one of her clients had $40K in debt• 10:13 – an example of why it's important to stay on top of past clients• 11:27 – how Kym loops in her real estate agents on her clients' status• 12:02 – how affirming your clients influences the tone of a conversation• 13:15 – how Kym was able to turn around a conversation that went sideways• 15:35 – determining how much equity past clients have• 18:06 – the impact of the annual review campaign on Kym's business• 19:40 – how to get in touch with KymResources mentioned in this episode: Homebot Show Contributors:Kym MasonConnect on LinkedIn Connect on Facebook Connect on InstagramAbout the Host:Justin White is UWM's in-house brand journalist and the host of the daily news video, Inside Pass. He creates engaging content across multiple platforms to promote the benefits of the wholesale channel and partnering with UWM. A seven-time Emmy-award winner, Justin is a graduate of the S.I. Newhouse School of Public Communications at Syracuse University. Connect with Justin on LinkedIn, Instagram, or Twitter Connect with UWM on Social Media:• Facebook• LinkedIn• Instagram• Twitter• YouTubeHead to uwm.com to see the latest news and updates.
Send us a textA seismic shift is coming to the mortgage advice profession in the UK. The Certificate in Mortgage Advice and Practice (CeMAP) – the qualification that opens the door to a career as a mortgage advisor – is about to undergo its most significant transformation in years. Whether you're studying now, managing a team of advisors, or considering entering the industry, these changes will directly impact your professional journey.From September 30, 2025, CeMAP will feature a completely redesigned structure. The regulatory foundation is moving from Level 3 to Level 4 with a new FSRE qualification replacing Module 1, reflecting higher standards and greater emphasis on ethics. Module 2 is being streamlined from four units to two, while Module 3 will incorporate protection advice – a change that acknowledges what successful brokers have always known: mortgages and protection go hand in hand. The critical date to remember is January 12, 2026 – the final day to complete exams under the current structure before the transition becomes mandatory.This redesign isn't just bureaucratic reshuffling; it's a reflection of where our industry is heading. Under Consumer Duty, the regulatory bar has been raised, and clients expect more comprehensive advice that considers their overall financial wellbeing. For brokers committed to excellence, these changes represent an opportunity to distinguish yourself in a competitive market. Those currently mid-qualification face a choice: accelerate your studies to beat the deadline or prepare to embrace the new framework. Either way, understanding these changes now allows you to transform potential disruption into strategic advantage. Listen to explore exactly what's changing, when it takes effect, and how to position yourself for success in this new chapter of mortgage advice.Looking for one to one mentoring, visit my website to see how it works craigskelton.co.uk #mortgagebroker #mortgagebrokers #mortgagebrokeruk #mortgagebrokercoaching #coaching #mortgagebrokerage #mortgagebrokerbusiness #mortgagebrokermarketing #mortgagebrokertips #mortgageadvisor #mortgageadviser #mortgagecoach #businesscoaching #successmentoring #selfemployed ...
In this latest episode of Finance Specialist, the duo delves into key trends shaping Australia's property and commercial lending markets. From the ongoing property boom to emerging opportunities in childcare, healthcare, and aged care financing, brokers have a wealth of opportunities to expand their services and deepen client relationships. By fostering long-term relationships and staying ahead of industry trends, finance professionals can secure a competitive edge in an evolving market.
EQUIPMENT, INSURANCE, CDL, ELD, DOT, MC AUTHORITY, MEDICAL CARD, LOAD BOARDS, BROKERS, MINDSET AND EXPECTATIONS, THIS SOUP TO NUTS CONVERSATION IS ABOUT EVERYTHING YOU NEED TO KNOW TO BECOME AN OWNER-OPERATOR CAR HAULER. This is Industry Logistics on ATI
On this episode—a Broke-ish first—Amber and Erika are diving into the comments and responding directly to what the Brokers have to say. Many of you had strong opinions about Episode 114, where we did a deep dive into the ADOS movement and Black unity across the diaspora. Community accountability is essential to liberation, and this episode was our attempt to pause and listen to our community's opinions, concerns, and constructive criticism about our discussion on unity and Black freedom. Press play to join the conversation!
In this episode of The MHP Broker's Tips and Tricks Closing Ccktail podcast, Maxwell Baker, president of The Mobile Home Park Broker, interviewed The MHP Broker Eric Wanck about his Bailey Acres Mobile Home Park transaction near Chattanooga. As with every Tips and Tricks podcast episode, this one is brought to you by The MHP Broker's proprietary Community Price Maximizer. Use this four-step system to get the highest price possible for your mobile home park or RV community when you sell it through The MHP Broker. Guaranteed. Call Max for details. Here Are the Show Highlights: Max wanted to discuss Eric's Bailey Acres deal because there were some challenges. It was a development project with a lot of infilling required, and there was a bit of drama as a result of the park's interaction with the local bureaucracy. (Max, 1:19 Eric loved the deal because, in the first place, it was a prime location, just south of Chattanooga, a thriving metro. The park was just 20 minutes from downtown Chattanooga. And while a lot of infilling was needed, the infrastructure was in place. It had city water and a 1:1 septic system. It was also getting $400 a lot, a good rate. The park had been neglected for a few years, so it did need some major sprucing up by the new ownership. (Eric, 1:31) As far as the city was concerned, the park had too many pads for its size, and some would have to come out. Eric and the eller went back and forth on that for a while. In the end, they had to lose about four pads. But they found an experienced park owner/buyer from Georgia who knew what he was doing. The seller was very happy with the sale price, which went for about $20,000 a pad, a very good deal for a park in such need of infilling. (Eric, 2:31) Part of the buyer's financing came from 1031 exchange. That's funding generated by the sale of a similar project. If spent on a like project within a limited time, there's less capital gains taxation on the previous sale. (Eric, 4:06) The buyer was able to get additional financing through a pre-existing relationship with a local bank, so he came to the table fully funded. This was important because the seller didn't want to hold a note, so it worked out to everyone's advantage. (Eric, 4:08) Max reminds sellers that there are a lot of 1031 exchange users out there, and they're all motivated to find a seller and a quick deal–and they've got money! We'll help you find them. (Max, 4:44) While Max can't guarantee a sale price of $20,000 per vacant pad on EVERY sale, he can assure you of getting the best price possible on every deal, thanks to he efforts of savvy veteran brokers like Eric. Call Eric Wanck or Max Baker at The MHP Broker, (678) 932-0200 or drop us a line at info@themhpbroker.com. Power Quotes in This Episode: “I felt that the location was strong enough that eventually we would find a buyer, and lo and behold, we did just that.” (Eric, 1:31) “Seller's happy at the end of the day, I believe, because we stuck firm to what he wanted and we got nearly, I think about $20,000 a pad.” (Eric, 2:31) “You know, the higher the lot rent, the more money you're gonna get, obviously, because there's more demand.” (Max, 5:04) “Really happy to be involved on this one, and look forward to more deals where we can infill. I think there's going to be more that hit the market, and this is going to be opportunities for some investors out there. Doesn't have to be the 100-plus pads that the institutions are chasing. You know, this one's sold high fives (CAP rate). We can get them done.” (Eric, 5:25) “I mean, it was unreal the response we got. Received multiple offers and then went to work with competing offers and got it sold actually over ask price. The seller was very happy with that.” (Jeff, 4:09) “It was a couple hundred grand over ask price with multiple offers that were competing.” (Jeff, 4:26) The worst thing you can do is have a (investment) fund just sitting there. (Explaining why an investor might overpay on a good deal vs. doing nothing with their money.)” (Max, 5:24)
Investor Fuel Real Estate Investing Mastermind - Audio Version
In this conversation, Dylan Silver interviews Nelson Bruton, a digital marketing expert specializing in the real estate sector. They discuss the unique aspects of Florida's real estate market, Nelson's journey into digital marketing, and the importance of human interaction in an increasingly automated world. Nelson emphasizes the need for brokers to effectively utilize their websites for lead generation and the significance of maintaining a strong local network. The conversation concludes with insights on navigating various marketing channels and the importance of consistency in marketing efforts. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind: Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply Investor Machine Marketing Partnership: Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com Coaching with Mike Hambright: Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform! Register here: https://myinvestorinsurance.com/ New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club —--------------------
Working With Brokers - #289 In this episode of the Private Lenders Podcast, Jason Balin and Chris Haddon from Hard Money Bankers dive into the world of working with brokers in private lending. With institutional capital tightening and lending guidelines shifting, more deals are flowing through brokers than ever before. Jason and Chris break down: ✅ Why broker business is on the rise in today's lending market ✅ How to build strong, profitable relationships with brokers ✅ Best practices for structuring deals and protecting broker fees ✅ The differences between broker-driven and direct borrower deals ✅ Tips for finding brokers and integrating them into your lending strategy Whether you're a private lender, hard money lender, or investor looking to expand your deal flow, understanding broker relationships is crucial. Learn how to confidently quote deals, navigate broker communication, and leverage this growing source of loan opportunities. ✅ Please like, subscribe, and share! ✅ Are you a new or experienced private lender or hard money lender? Join Jason Balin and Chris Haddon from Hard Money Bankers as they draw from their extensive experience running a successful hard money lending company since 2007. Tune in weekly with episodes related to all aspects of private lending. From discovering lucrative loan opportunities to securing private capital, effectively managing your loan portfolio, handling defaults, and much more, we've got you covered. ✔️ Tune in now and watch the full video podcast at www.privatelenderspodcast.com ✔️If you enjoyed this podcast we would appreciate a positive review... https://podcasts.apple.com/us/podcast/private-lenders-podcast/id1476153070 ✔️Make sure to check out the #1 Online Community For New and Experienced Private and Hard Money Lenders.. Create your account at www.hardmoneymastermind.com FOLLOW US ON SOCIAL Get updates or reach out to Get updates on our Social Media Profiles! ✅ Instagram: https://www.instagram.com/hardmoneymastermind/ ✅ Tiktok: https://www.tiktok.com/@hardmoneymastermind
Today on the Top News in 10, we cover: A mass shooter in New York City kills five, including an NYPD officer. President Trump brokers a ceasefire between Cambodia and Thailand. The Left loses it over an American Eagle advertisement. Subscribe to The Tony Kinnett Cast: https://www.youtube.com/playlist?list=PLjMHBev3NsoV3kHckydY58R7TaYsizl45 Don't forget our other shows: Virginia Allen's Problematic Women: https://www.dailysignal.com/problematic-women Bradley Devlin's The Signal Sitdown: https://www.dailysignal.com/the-signal-sitdown Follow The Daily Signal: X: https://x.com/DailySignal Instagram: https://www.instagram.com/thedailysignal/ Facebook: https://www.facebook.com/TheDailySignalNews/ Truth Social: https://truthsocial.com/@DailySignal YouTube: https://www.youtube.com/user/DailySignal Rumble: https://rumble.com/c/TheDailySignal Thanks for making The Daily Signal Podcast your trusted source for the day's top news. Subscribe on your favorite podcast platform and never miss an episode. Learn more about your ad choices. Visit megaphone.fm/adchoices
Today on the Top News in 10, we cover: A mass shooter in New York City kills five, including an NYPD officer. President Trump brokers a ceasefire between Cambodia and Thailand. The Left loses it over an American Eagle advertisement.
In “From Farm to Fork: A Broker's Guide to Food Safety and Cold Chain Logistics”, Joe Lynch and Brian Hastings, the CEO and Co-founder of Veritas Logistics, discuss the critical role of human-centric logistics and strong partnerships in ensuring the safe and efficient transportation of food. About Brian Hastings Brian Hastings is the CEO and Co-founder of Veritas Logistics, a third-party logistics firm founded in 2020 that prioritizes people and operates with core values of truth, partnership, passion, positivity, and service to provide customized transportation solutions. With over 15 years in the freight brokerage industry, Brian began as a sales executive at TQL, quickly advancing to a respected sales team leader where he helped develop satellite offices. Driven by a desire to challenge industry norms and enhance customer experience, he co-founded Veritas Logistics on the belief that people are at the heart of success. In just three years, he has guided the company to become one of Cincinnati's Best Places to Work and a Fast 55 honoree, earning a positive reputation among shippers and carriers. A respected thought leader, Brian regularly speaks on logistics topics including fraud prevention and sales strategies. His core values of hard work, passion, and personal accountability, forged during his time as a baseball player at the University of Kentucky, continue to guide his professional and personal life. About Veritas Logistics Veritas Logistics is a third‑party logistics firm founded in 2020 and headquartered in Cincinnati, OH (11–50 employees). Created to stand out in a crowded industry, Veritas prioritizes people and operates with core values of truth, partnership, passion, positivity, and service. With over 20 years of combined team experience, Veritas leverages deep logistics expertise and an expansive carrier network to anticipate client needs, process transactions efficiently, and deliver tailored solutions for each shipment. Their culture emphasizes honesty, accountability, continuous improvement, and long-term partnerships powered by high expectations. Veritas prides itself on customized transportation services that align with evolving supply-chain complexities. Key Takeaways: From Farm to Fork: A Broker's Guide to Food Safety and Cold Chain Logistics In “From Farm to Fork: A Broker's Guide to Food Safety and Cold Chain Logistics”, Joe Lynch and Brian Hastings, the CEO and Co-founder of Veritas Logistics, discuss the critical role of human-centric logistics and strong partnerships in ensuring the safe and efficient transportation of food. Human Element & Culture are Paramount: Success in cold chain logistics, including food safety and FSMA compliance, relies heavily on dedicated individuals, robust training, and a strong company culture. Veritas Logistics emphasizes that "people are at the heart of success." True Partnerships Drive Food Safety: Effective cold chain management moves beyond mere transactions. Brokers like Veritas build genuine partnerships, anticipating needs and offering tailored solutions to ensure food safety from farm to fork. Customer Focus is a Cold Chain Edge: A deep commitment to the customer experience differentiates brokers in cold chain. Understanding specific temperature needs and transit vulnerabilities is crucial for successful, safe deliveries and maintaining product integrity. Leverage Expertise & Networks: Navigating complex cold chain logistics and strict food safety regulations requires extensive industry knowledge and a strong carrier network. Veritas Logistics' experience and expansive network are vital for compliant solutions. Accountability & Improvement Ensure Integrity: A culture of personal accountability and continuous improvement is essential for food safety and cold chain integrity. This commitment ensures prompt issue resolution and refined processes to prevent spoilage. Brokers Mitigate Risk for Food Security: Reliable logistics brokers play a crucial role in vetting carriers and implementing security measures to protect valuable food shipments from fraud and theft, directly contributing to food security. Training & Process Adherence for Compliance: Comprehensive training on FSMA and cold chain best practices, coupled with strict adherence to protocols like truck washouts and temperature monitoring, forms the foundation for sanitary transportation and compliance. Learn More About From Farm to Fork: A Broker's Guide to Food Safety and Cold Chain Logistics Brian Hastings | Linkedin Veritas Logistics | Linkedin Veritas Logistics The Logistics of Logistics Podcast If you enjoy the podcast, please leave a positive review, subscribe, and share it with your friends and colleagues. The Logistics of Logistics Podcast: Google, Apple, Castbox, Spotify, Stitcher, PlayerFM, Tunein, Podbean, Owltail, Libsyn, Overcast Check out The Logistics of Logistics on Youtube
Key Takeaways:Commercial Real Estate Corruption:Bribery and corruption are prevalent in the industryCommon issues include:Brokers taking backdoor paymentsSharing confidential informationBribing politicians for zoning approvals Contractors inflating project costsInvestment Advice:Always get agreements in writingTrust is crucial when selecting a brokerUnderstand market dynamics before analyzing dealsGet multiple bids for projectsBe cautious of potential conflicts of interestIndustry Insights:AI is increasingly impacting commercial real estateSpreadsheet analysis is less important than understanding market dynamicsEthical practices are critical in deal-makingRecommended Practices:Always counter offersVerify contractor work and costsBuild long-term relationships over short-term gainsBe transparent and maintain professional integrity
In this episode of the Brokers Open Podcast, we sit down with Elisha Lopez—real estate powerhouse, leader, and mentor—as she shares her powerful insights on how agents can successfully balance the chaos of business with the demands of everyday life.Whether you're struggling with burnout, time management, or finding fulfillment beyond closings, Elisha delivers real talk and real strategies that every agent needs to hear.
This week's Friday Five is a mini-explainer on ICHRA: the Individual Coverage Health Reimbursement Arrangement. Learn more about this type of coverage and partnership opportunities for Ritter Insurance Marketing agents to offer it. Have questions about ICHRA or QSEHRA? Send them our way by email ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail. Resources: 5 Things From the 2025 Budget Reconciliation Bill 2026 Midwest D-SNP Market Opportunity Community Engagement & ACA Marketing Suggestions Field Notes on Partner Marketing Resources How an ICHRA Partnership Can Support ACA Sales What is the Health Insurance Marketplace? References: “6 Reasons to Appreciate All That ICHRAs Have to Offer.” Nexben.Com, Nexben, 24 June 2025, www.nexben.com/blog/6-reasons-to-appreciate-all-that-ichras-have-to-offer. “A Broker's Guide to ICHRA Defined Contributions: Strategies, Affordability, and Examples.” Nexxben.Com, Nexben, 17 July 2025, www.nexben.com/blog/a-brokers-guide-to-ichra-defined-contributions-strategies-affordability-and-examples. Charaba, Chase. “A Look at the Growth of ICHRA.” Remodelhealth.Com, Remodel Health, 21 May 2025, remodelhealth.com/a-look-at-the-growth-of-ichra/. “Defining ICHRA Classes.” ICHRA.Com, ICHRA, 7 Apr. 2025, ichra.com/ichra-and-employee-classes/. Olsen, Emily. “Employer Healthcare Costs Projected to Rise 9% in 2025: AON.” Healthcaredive.Com, Healthcare Dive, 19 Aug. 2024, www.healthcaredive.com/news/employer-healthcare-costs-increase-2025-aon/724505/. “Growth Trends for ICHRA & QSEHRA Volume 4: 2024-2025.” Hracouncil.Org, HRA Council, 17 June 2025, www.hracouncil.org/resources/FINAL%20-%202025%20HRAC%20Data%20Report.pdf. “HRA Council.” Hracouncil.Org, HRA Council, www.hracouncil.org/. Accessed 22 July 2025. “ICHRA Guide for Individual Coverage HRAs 2025.” Takecommandhealth.Com, TakeCommand Health, 10 June 2025, www.takecommandhealth.com/ichra-guide. Cattanach, Jamie. “ICHRAs Are on the Rise. Here's What You Need to Know about This New Coverage Option.” Valuepenguin.Com, ValuePenguin, 24 June 2025, www.valuepenguin.com/news/ichra-increasing-in-popularity. “Individual Coverage HRA (ICHRA) Basics for ACA Agents.” Healthsherpa.Com, HealthSherpa, blog.healthsherpa.com/agents/agent-ichra/. Accessed 21 July 2025. “New: 2025 HRA Council Data Report.” Hracouncil.Org, HRA Council, www.hracouncil.org/report. Accessed 22 July 2025. “New Data Shows Continued Expansion of Health Reimbursement Arrangements: Latest HRA Council ICHRA & QSEHRA Report.” Hracouncil.Org, HRA Council, 17 June 2025, www.hracouncil.org/resources/2025%20HRA%20Council%20Data%20Report%20News%20Release.pdf. “The Power of an ICHRA: ICHRA Benefits for Employees, Employers, and Brokers.” Nexben.Com, Nexben, 17 Apr. 2025, www.nexben.com/blog/the-power-of-an-ichra-ichra-benefits-for-employees-employers-and-brokers. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.
In this episode of The MHP Broker's Tips and Tricks podcast, Maxwell Baker, president of The Mobile Home Park Broker, interviewed The MHP Broker Jeff Dodge who teamed up with Max to close a park in the Charlotte, North Carolin metro. As with every Tips and Tricks podcast episode, this one is brought to you by The MHP Broker's proprietary Community Price Maximizer. Use this four-step system to get the highest price possible for your mobile home park or RV community when you sell it through The MHP Broker. Guaranteed. Call Max for details. Here Are the Show Highlights: Jeff and Max worked together on te Mountain Village Mobile Home Park deal in Gastonia, NC. It came amidst a real hot streak for MHP Broker. The company was incredibly busy the first part of 2025, especially compared to two years ago, before the presidential election. (Max, 1:10) It was a nice park in a good location, the Charlotte metro. Mountain Vilage had 46 lots and 40 tenant-owned homes, three vacant park-owned homes, two vacant lots and one rent-to-own home. The park had a high occupancy rate and strong demand. By the fact that most of the homes were tenant-owned, the maintenance costs and responsibilities were low and Mountain Village was mostly a turnkey operation. (Jeff, 3:24) The response to the deal was so great that Jeff received multiple offers and they ended up selling it for MORE than the asking price. (Jeff, 4:09) It didn't go for just a little bit above the asking price either. It was more like a couple hundred thousand dollars over. (Max, 4:21) Jeff and Max were able to quickly get Mountain Village under contract with an experienced buyer. (Jeff, 4:26) The sale came in with a CAP rate in the upper sixes, which is virtually unheard of for a park with fewer than 50 lots. Great for the seller. The rate indicates that the buyer might have overpaid for the park. (Max, 4:38) The worst thing you can do as an investor is to just let your money sit there. So investors will sometimes spend it quickly oon what they consider to be a smart investment, even if they're overpaying at that moment in time. Charlotte is a good housing market and the buyer obviously felt it was advantageous to buy the property at whatever he had to spend. (Max, 5:24) As great as the sale was, it didn't go off without a hitch. The seller had two park-owned homes that weren't occupied. He'd agreed to sell them before the park sale or give them up for nothing if he didn't have them sold in time. But he evidently forgot that term pf the deal until the sale was about to go through and the buyer got ready to take possession of the two homes for free. When reminded of the terms of the deal, the seller refused to give up the homes for nothing. That drama at the end nearly killed the sale. (Jeff, 6:49) Jeff saved the sale by getting the buyer and seller to agree to a compromise by which the seller would keep the homes in the park until they were sold and pay lot rent on them in the meantime. The new buyer had aggressively raised lot rents and the seller agreed to pay the higher rate. Both buyer and seller were happy with the negotiation and the park sale closed. (Jeff, 8:12) Whether you have a big park or a small one, you can trust MHP Broker to get through whatever issues might occur and get the park sold. (Jeff, 11:08) The MHP Broker has sold parks of all sizes and complexity. Even if you're just thinking of selling it at some point in the future, we can evaluate your property and calculate its market value. Call Jeff Dodge or Max Baker at The MHP Broker, (678) 932-0200 or drop us a line at info@themhpbroker.com. Power Quotes in This Episode: “Everybody says the market's down, but here at our brokerage yeah, I don't know, we're just killing it, man. Like, we've had more contracts fly across the desk at the beginning of 2025 than we've ever had as a company as a whole. (Max, 1:10) “I mean, it was unreal the response we got. Received multiple offers and then went to work with competing offers and got it sold actually over ask price. The seller was very happy with that.” (Jeff, 4:09) “It was a couple hundred grand over ask price with multiple offers that were competing.” (Jeff, 4:26) The worst thing you can do is have a (investment) fund just sitting there. (Explaining why an investor might overpay on a good deal vs. doing nothing with their money.)” (Max, 5:24)
Title: Why the W-2 Grind Will Never Make You Wealthy with Jamie Bateman Summary In this engaging podcast episode, Jamie shares his journey from being a competitive athlete and military officer to becoming a successful entrepreneur in the field of real estate and mortgage note investing. He emphasizes the importance of discipline, teamwork, and taking ownership of one's financial situation in achieving success. Jamie discusses his transition from a W2 job to entrepreneurship, highlighting how he leveraged his experiences and strengths to build multiple streams of income. He shares insights about his current business model centered around mortgage note investing, explaining the differences between performing and non-performing notes, and elucidates the challenges and opportunities present in this field. The discussion also emphasizes the importance of long-term planning and learning continuously, making the case that discipline ultimately leads to freedom and flexibility in life. Links to Listen and Subscribe: https://podcasts.apple.com/us/podcast/from-military-officer-to-mortgage-note-master-one-mans/id1618672867?i=1000643495099 Links to Watch and Subscribe: https://www.youtube.com/watch?v=t6nU0TtMAFc Bullet Point Highlights: Athlete to Entrepreneur: Jamie shares how his background in competitive sports instilled a sense of discipline and teamwork. Financial Ownership: Jamie discusses the importance of taking ownership of your financial situation and actively seeking improvement. W2 Quitter: The transition from a stable government job to entrepreneurship reflects Jamie's journey of self-discovery and ambition. Mortgage Note Investing: Jamie provides insights into both performing and non-performing notes, illustrating how to generate passive income through debt investing. Value of Networking: He emphasizes the necessity of building a strong network for finding investment opportunities in mortgage notes. Continuous Learning: Jamie advocates for lifelong learning, suggesting that successful people always seek new knowledge and skills. Long-Term Vision: He stresses the importance of setting long-term goals and reverse planning to maintain focus on achieving one's aspirations. Transcript: Jamie what's going on brother welcome to the show thanks Seth this is this is awesome um I'm excited to be here and I'm hoping to add some value absolutely man third time's a charm we've been trying to get this scheduled after I was on your show which was fantastic had a really good time uh on that show and I think it turned out pretty good so I know we're gonna absolutely we're gonna deliver on this one as well yeah we're GNA try to try to I'll try to do as good a job as you did so yeah that was that was uh yeah no I that was a very very good episode from adversity to abundance I would highly recommend your your listeners check that one out to your episode on that show so thanks for thanks for doing that absolutely man you're an incredible interviewer I've I've that's the only uh I've been on dozens of podcasts and you know you pulled out a lot of things for me that I've I've never talked about on the air so it's pretty pretty awesome pretty awesome show man appreciate that cool man well let's just jump right into your background man what's your story um take it back as far as you'd like to brother yeah um man uh I'd like to think that life has phases so I've had a few different phases in in my life um you I come from a a large uh family I'm I'm the oldest of seven kids and we always had a competitive uh background as far as team sports and things like that so um I played lacrosse in college that was always a foundational piece of of uh my life and just kind of I think from there learned how to be a part of something bigger than myself and how to work toward a common goal with a with a team so that's been something that's been a a kind of a thread through my life and then um got married and uh joined the military and um actually joined the military technically before I got married but seemed like I got married and then ran off and and uh ran away from my wife but it's not exactly what happened but uh joined the military was an officer in the in the US Army did I did miss my first three wedding anniversaries through deployment and things like that um and again it was a matter of trying to be plugged into something you know to serve and be a part of something bigger than myself and trying to trying to add value like I think we all we all want to do um I've obviously glossed over a lot of lot of details but those were uh a couple of inflection points I guess if you will um like you like to talk about I know um and so my military career transitioned into uh a a career with the Department of Defense as a civilian and um did 14 years as a civilian with DOD at Fort me and the first half so the first seven for all you math whizzes out there uh was full-time and then the second half the second seven years was part-time and that seven years is when I was really building my businesses which are largely um real estate investing and mortgage node investing Focus so we can get into the details there and then in 2022 I ended up quitting my job and and um now I have a few different small businesses that I run and like you Seth I've got a got a lot of different things that I'm juggling and uh you know so but yeah I love talking about taking ownership of of your financial situation and taking ownership of your your life really and um I know that you and I have that comment so yeah that's a that's a high level overview of my background awesome man I appreciate that that there's a lot to unpack there you know going back to you know playing sports all the way up to the Collegiate level that's incredible I always like to to think even playing like poporn or football back in the day you need a way to instill discipline in yourself and I I that's kind of the the oldest memory I can think of where it was hard right like it was like you've got a coach screaming at you like back in the day it's like you know they wouldn't give you water unless you like you know for like an hour which I don't think they do that anymore now but you know you had to earn that drink of water and and all those sorts of things but you you really learned what it's like to to work hard and you really learned what discipline was all about and I would say that and you can you can expand on this but yeah I would say that you know being in the military yourself that takes it to a whole new level right it's like you you you got that from Sports you got that from the military yeah definitely I mean obviously they're very different in a lot of ways but that is certainly a common theme is is being disciplined and um and people people shy away from that word um because it just sounds like work or or no fun and no flexibility but I found that having discipline in your life ends up adding more freedom in a sense um because you kind of have your foundational pieces set in stone you don't have to think about those and so um yeah regarding team sports it's it's really a matter of um you know everyone doing their part right and so there's a level of individual discipline and um and then just and then also just kind of putting the putting the group ahead of yourself um obviously the you know you want individual there's nothing wrong with individual accolades and I I was certainly uh chasing you know those individual accolades it's not something I shied away from I was you know I definitely was wrapped up in trying to be an All-American and um that kind of thing and and did get that a couple of times you know but it at the end of the day nobody really cares about that and um the way I viewed it was if I was doing my part and I got those you know if I was scoring goals in Lacrosse as an example that means I'm contributing to you know to the team right and so there's obviously a fine line there but of going too far either way um but yeah that discipline is critical you know even C I played at a high level in college and and there was year round you're training you're you're uh you're into it it was a division three school but it but the reality was we worked just as hard as any any D1 program and um yeah it's it's a these are skills that have paid off and are absolutely transferable to the rest of of life for sure yeah I think you've got to get those those intangible things you've got to develop them somewhere along the way whatever whatever that is if that's Sports the military or you know from your parents I mean you can get it from different places but you definitely need it I mean you know we're in different stages of our life at this point we're talking about a lot we like talk about freedom and flexibility and fun um to try to get away from kind of the W2 uh mindset but in order to achieve Freedom flexibility and fun in a successful way you had you have to be disciplined to be able to get there you you had to have done something successfully to be able to get there or maybe what separates you from you know the guy living in a van down by the river right like that guy that guy has Freedom flexibility um I don't know about fun maybe fun but yeah but you know it's it's a different obviously it's a it's a different outcome yeah and I I I still I think I still need you know I still use a lot of discipline today it's still still required but it's I guess I guess it's self-imposed and um you know I just love love having that flexibility and that freedom um that comes along with being an entrepreneur so yeah it's been a central piece to my success for sure um but I I I still I don't think it ever you know goes away I just get to pick and choose what you know what discipline I want to kind of enforce on myself I guess um so yeah absolutely and and and as you said I the military was a huge part of that for me as well I mean that's a different kind of different kind of discipline and different kind of teamwork and different you know if you lose a lacrosse game okay you lost the lacrosse game but military the stakes are a little higher um so maybe certain things are more important attention to detail are crit is critical and um but at the end of the day it's yeah it's that the same principles apply across both I I guess sectors if you will for sure for sure so let's dive into that that transition you started working kind of part-time there for seven years so that seems like a transitional period how are you able to progress from you know that W2 and what what I've heard you say is call yourself a W2 quitter and I love that um you know how were you able to progress from a W2 person to a W2 quitter what enabled you to do that and what that transition looked like I mean you know I do remember in 2015 probably a little bit maybe maybe say 2014 but I just you get you know I had a wife and two kids and I had the commute the long commute that I I know a lot of people can identify with so um it it just was Groundhog Day it was the same thing over and over and over and that's not me sitting here complaining about my family or having a having the opportunity to work um but after a while it gets old let's just be real right so it's like you're sitting in traffic and I just you start looking at you know I was I worked for the government and you look around you say who okay who's sort of ahead of me on this like you like I I think you probably mentioned on our on your your show on my my show your episode um you look around to the people who are more kind of Al further along the path than you you say do you want to be that person is that the life you want and man I did not want that and um it just just having that just super long-term just you know the pot at the end of the rainbow I guess uh nothing driving me in the in the interum man it was it was just it was brutal so I probably did a little woes me for a little bit there a little victim mentality for a bit but then you start to realize like okay if you don't take ownership of your own life no one's going to right so no one's going to come in and do this for you so I'm not sure what truly you know created the change in my mindset but my mindset absolutely started to change and I just made a shift and I and I stopped watching cable news I stopped uh just you know stopped paying attention to all the things that I can't control and I couldn't control back then and and started saying no what do I have what are my strengths who is in my who's back to the team thing who's on my team who's you know who's in my network that I can add value to and who can add value to me so I started looking around and um you know my father was a realtor for many years my brother was a loan officer I we had uh one rental property at the time and so and IID worked at a I didn't mention I worked at a title company and I worked for a mortgage broker before as well briefly so I had this experience that a lot of people don't have and that's you know that that doesn't mean I'm better than anyone it just means these are my strengths so let's point to that and let's use that so I started really being intentional about focusing on my strengths and my assets that I had in my life right and then another asset that I used to see as a liability was the time in the car so I started listening to podcasts oh you know and and then it turned into wait I don't even want to go into work yet because this this podcast episode is amazing and I'm learning so much you know Bigger Pockets and all the other real estate podcasts and different investing podcasts and um started using that mental bandwidth instead of focusing on National media stories that I have zero influence over uh here's something that I can actually take action on and so um in mid 2015 uh I I I went part-time and and just so happens that at uh DOD it's one of the few agencies in the in the federal government where you can go part-time and still keep your benefits so I still had health insurance for my family you know most people don't have that option necessarily but oh oh well I did so that's what I did and and um you know that's uh again decided decided to start building my my other streams of income outside of my W2 um had my circumstances been different if I was single I probably would have just quit the whole thing right but I was able to have that kind of laded approach I guess or tiered approach to kind of ripping off the Band-Aid yeah yeah no that that that's awesome I love just the idea of of taking ownership of your your life right like everybody has those moments where they're feeling sorry fors um but but the successful people they don't sit there and stay in that that mindset they they move on they you're going to be there sometimes but you've got to get out of and you got to say okay what what can I control what can I change and you don't say you don't give other people the power to control you and your mindset and how you feel about your life right like that's that's that's the thing like if if you if you're constantly blaming someone else or saying this happened to me rather what can I do to get myself out of it then you're going to be stuck there forever you're you're going to be you're going to be spinning your wheels forever um and a lot of that I think helps because you said you don't listen you don't watch the news I don't either it's a waste of time what control what does that do for us it's if I do watch it I literally do it for entertainment and you look at it as an entertain I look at it like I'm watching sports almost absolutely I I look at it like this is funny like I can you know what I mean you kind of analyze like this is funny this guyy saying this in a debate this guy's saying that it's not taking it as fact and news and this is how I should live my life because of what they're saying absolutely and it's not to say that none of these topics are you know important right I mean right Glo Global you know war or I mean politics poverty global warming whatever that's all very important but I have zero control over it almost zero right and then um you know the other thing is fear sells and that's that's what they're selling and so doesn't mean that every story is invented and it's all fake fake news but it it just doesn't serve me and so I'd rather focus on you know go ground up and kind of uh you just I see it in people maybe older people in my own life now who maybe are retired and and they watch the news all day and it's like they won't travel because they saw a news story that the airports are packed or something and you know it's I'm sure that story was was accurate right but it but the but the news can filter out and and you end up only focusing on the negative really and it just didn't serve me so yeah um during that La the second seven years I was able to build out my wife and I were doing single family real estate investing and doing a lot of the Burr method that maybe some of your your audience is familiar with uh um and so kind of putting that Capital back into the the rental property um machine and expanding our portfolio um and then eventually last year Well in in 2018 I made the pivot I kept the rental properties but made a pivot to also add on mortgage not investing and that's been my primary focus as of late um and uh if you want I can tell the story quickly about how I actually quit my job in 2022 I I think it's kind of kind of a funny one absolutely let's do it all right so um I uh so two years ago uh I was playing bad mitton and um I'd been doing now mind you I used to be like tough you know athlete and like I did you know did Jiu-Jitsu for three years right up before this and you know used to lift Waits a lot and still do it here and there but you know I think I'm tough right and uh ruptured my achilles playing bad mitton so that's an ego blow uh to add on to the physical pain that you know especially with the recovery so I ruptured my achilles a little over two years ago today and um I was out of work it was my right right foot and the reason I bring this up is not for sympathy but um to say you know I couldn't drive for three months so I actually yeah and I had tons of leave from from work and by this time I was tired really tired of my I was pretty much checked out like I think you you might have been at your uh your big law uh job but um that's right I was I was checked out I mean I I wasn't the best employee at this point and so I took as much leave as I as I could you know reasonably right and so but couldn't drive and so I was out for three months and I come back so come back into work and I'd had discussions with my wife about about leaving it was just a matter of of when not if um I can tell you truthfully had no idea that I was going to quit this day but I came back in from having been out for three months mind you no one gave me a call no one from work no one from my management gave me a call the entire three months I was out other than to say to ask me are you vaccinated because you have to be vaccinated to be to get inside the building now I don't want this to turn into some controversial vaccine discussion or get your your podcast banned from something but um yes I'd been vaccinated to to answer the question but no one asked me how's your how's your recovery going like how what do you you know how's your life you know what's it's just are you vaccinated you need to get that shot before you come in okay great thanks I really feel welcome here so I'm already just you know you know what screw this place right um come back in and just go to my desk and this is this is an office space kind of thing where I go to my desk and there's some there's an a force kid at my desk and long story short they' kind of move me somewhere else without telling me I can't find my desk I finally find it it's got a box with my name on it with you know monitors sideways and all and clearly not a functioning uh desk and um you know office space so I literally quit that day and I just say that it's just like I knew 100% I was done I my wife didn't know I was I quit but I I quit that day still worked for another month or two but I I was there was no question zero question in my mind I'm done with this place so uh that was March of 2022 and ever since then I've just focused on building out my businesses and having looked back that's awesome sometimes you just know right like sometimes it's time you just knew I I love that story man for me it was a little bit you already know the story but you know for me it was a little bit more of someone else's decision I got fired I mean and men that you know you you weren't the best employee at that point correct you know I knew the same thing and it's great to have awareness and perspective and kind of looking back now you're like I would have done the same thing like this guy doesn't want to be here his output isn't what it should be like nope he's got he's got to go I mean he's not he's not the best employee and and as a you know as a business owner now I can you know I have really good perspective of that and and seeing that and they did they were doing me a favor by being like hey like your heart's not in it is it and I'm like no it's not it's not yeah yeah the reality is for me it's really hard to work you know when once you go part-time I mean I knew I was casting a vote against my career progression there so as soon as I went part-time in 2015 I wasn't saying I'm in this for the Long Haul guys this is this is my focus you know it's the writing's somewhat on the wall looking back it's almost surprising I lasted as long as I did um but so yeah uh haven't looked back and just love love the entrepreneurial you know day-to-day and freedom that you alluded to and and just the multiple streams of income and certainly has its challenges I I probably work harder now than ever than I ever have um but it's by choice right so I love it exactly same here man I mean it's you know my my days are long I mean I I get up way before I used to get up when I when I had a 95 I worked past when I would have worked a 9 to-5 and it definitely more hours but when you're doing it for yourself and you're doing it because you're working towards something that you believe in yeah it doesn't feel like it's you're putting that much time in definitely I I wake up early a lot of days it's not not on purpose it's because I'm just excited to get Kracken so yeah yeah absolutely yeah well let's let's kind of get into your current business I know you you had mentioned that you focused on your strengths and your assets um and you know I think it's important I'll just I'll just say it's important to take an inventory of what your strengths are when you're kind of considering going into something else um because a lot of our listeners are attorneys they're doctors folks like that they kind of feel like maybe they're they're pigeon hold right like well if I'm not an attorney what the hell else can I do right like I don't know anything about real estate investing or node investing or starting a business or anything like that but if you really take a step back you you probably have a lot of skills that you've learned and honed in your career that you can use for something else moving forward and that was that's what you were able to do definitely and one thing I'd say is that um you know one thing that's always comforting for me is nobody knows everything right so you can always find somebody who knows more than you in a certain area um you know there's one quote about every man is my Superior in in in something right so um basically it gets me a lot of comfort to know like just because an attorney listening to your show knows way more than I do about a particular topic and probably many many other topics that doesn't mean I'm less of a person or you know I don't know more than that attorney does in another area so it's okay I'm never going to know everything there are other people who've already figured it out so um you know that's that's always comforting to me is and when I say look to your strength it's also looking to the people in your network who know and can help you get to where you want to go um so yeah I mean so many things we take for granted that we do know and um you know example when I started working at a title company fresh out of college because it was my first real job and it paid you know a a salary um I realized quickly how little I knew about title insurance settlements you know just just basic stuff now looking back pretty basic stuff but you don't know that unless you work for a title company or you're heavily involved in this you don't you're not trained in that in school typically right so you know you forget and so your your listener out there the the attorney the doctor I guarantee they have a lot of life experience not just from their professional world but just life experience that that they shouldn't take for granted and the fact that you can go through law school and then be you know Be an Effective attorney or go through medical school and Be an Effective doctor that that means you you can learn things right and so again I go back to life has Seasons I mean you've shown that in your own story Seth like you know um it's uh it doesn't mean just because I started a certain business doesn't mean that's going to be what I'm going to be doing for the next 20 years or just because I'm an attorney now doesn't mean that's what I have to do for the rest of my life so we always have options I mean you might look back and wish you'd done something differently or something but you only have one chance at this and so you know you just make the most of it and and just keep I think keep learning constantly um is critical I I just hired a business coach we've had one call um but one of his motos is um you know one of his sayings is that he's always he's in permanent beta so he's always changing always improving he's always growing so I'm trying to trying to implement that as well yeah I love that permanent beta I haven't heard that before but I like that I like that phrase like that phrase um so tell me about your current business tell me about mortgage node investing start with the basics um sure what is it yeah so and and I'll try to keep it uh there's so much to it but again none of it is difficult it's just a lot of moving parts and you've got to you know it takes time to learn um we buy debt so we buy a mortgage note and that could be performing or non-performing the the real highlevel version is is um a performing note is kind of like a a long-term Buy and Hold rental property but you're buying the debt and becoming the lender becoming the bank if you will um and so you're buying that performing note for cash flow so I buy a performing note the barer now pays me through a loan servicer and I get monthly payments so that's a great way to go the the problem with that is you can't really add value to that asset very well you're kind of it is what it is and in fact with mortgage notes the value actually goes down over time generally speaking because the principal balance goes down so it's just it's worth less than you know than uh you know than it would than it was when you bought it then on the other side the non-performing side of things we buy those uh as well and those are more like a Fix and Flip property so um although we're still buying the debt we're not buying the property but there's a chance to add value There's an opportunity to buy distressed asset and add value to that asset and then sell that that non-performing note either well I should say sell that asset whether that's as a rep performing note or as uh through the the real estate itself there there are a few different ways you can exit a non-performing uh note deal and but but back to your kind of one of the the themes um thus far one of the reasons I got into specifically that space was that I understood the real estate space so I understood the single family residential real estate space so it wasn't a huge leap for me to go from owning the property to now owning the debt on that property whereas it would have been a lot bigger leap for me to say oh I want to start buying distressed you know multif family debt um which I know you could probably help me understand better but that you know it's like incremental progress and and and change isn't that scary so I kind of expanded my um you know toolbox if you will and got into the mortgage note space so we have a couple of note funds one is open um currently and they're they're they're all for accredited investors um and uh the the income fund that's open pays a monthly uh aims to pay a a monthly uh per referred return I know you and a lot of your listeners are attorneys so I got to hold the line here and uh so the fund is structured to pay uh to aim to pay a a monthly return uh of 8% it's not a there's no growth in that fund it's literally a cash flow play and um diversification play you're putting your your capital in we buy assets across the country we we've bought notes in in probably 25 States at this point um and so the investment is Diversified across Geographic areas across borrower types and um you know we buy for a certain yield we take a small management fee and then we um ideally uh pay a pay the preferred return that we're aiming for to our to our investors yeah nice 506c you're able to talk about it it's uh ACC credit investors only just want to throw that out there um so yeah I mean so just going back to the basics a little bit and we'll get back into the fund like how do you how do you even find these things I mean how do you get started how do you find these things so I mean that is an ongoing challenge I'm not going to lie to you that's one of the the things that truthfully a a passive investor who doesn't have time to to develop the network to go find these assets they're just not going to have success um you know they might here and there but it takes time it's a it's a word of mouth industry just like real estate itself is and um so we've built out a network of of Sellers and you know that could be quite honestly I I've never had luck buying directly from Banks it's really either a larger uh mortgage note fund that's closing so it might be a three-year fund and then they've got to they've got to liquidate they've got to figure out how to sell off what to do with these assets um and so that's a great opportunity to buy is just a fund that's closing or somebody a note investor who's getting out of note investing or they've had a life change or something um you know where they just uh there's an opportunity to buy from them as well um and so there there are other you know I guess we buy from hedge funds note investors other note funds um those are there are also note Brokers as well out there um there are also some online exchanges like paper stack and a couple of others that you can go and I've bought and sold on on paper stack and other exchanges as well um and you know you can you can find assets there um but at the end of the day we have our list that we list of people that we work with regularly and I would say one thing is that doing due diligence on a note seller is just as important as uh due diligence on the assets that they're selling and so it's it's taken some work and it's it's a work in progress always um but it is the million-dollar question is where do you where do you find these assets yeah so that's that's the hard part right that finding these assets is the hard part um have you ever had to foreclose on on any of these notes and actually acquire the property and I guess a followup question is do you ever look at a non-performing note like hey I actually want to own that property great questions yeah great questions um to be clear we're not trying to kick people you know Grandma out on onto the street or anything like that um you know that's not our our goal typically well that's never our goal but we're never trying to kick someone out of their home um but the reality is some people honestly need a little bit of a kick in the pants and often times that's not really the best them staying in the house is not often The best scenario for them I know that might sound sound harsh but at the end of the day if someone can't afford to live somewhere sometimes these people are living in squal and they really need a change of of environment um to answer your question about do we target the property yes sometimes we do in fact we just closed on two they're called uh heckum loans or reverse mortgages where the borrowers are deceased the property is underwater meaning you know the the loan amount is high greater than the property value and it should be a quick exit through the property so HUD will sell off these uh big pool of of reverse mortgages and we were able to purchase two of them very recently it's a vacant property you're not doing an eviction borrower is deceased you've got to work through the airs or or foreclosure um and get and exit the property that way um if your listener wants to go to my website I've got a really good um it's a Jacksonville blog post I've got a couple of blog posts about this deal I still hold this rental today and it was a non-performing note that we purchased a few years ago and um I had no intention of exiting through the property or holding holding the the property as a rental property but uh running the numbers it just was too good to to let go and so long story but we we uh you know ended up doing a deed in Lee of foreclosure actually in this case and got the property back and now it's a long-term Buy and Hold property for my own rental uh portfolio yeah that makes sense that makes sense there's there's always multiple ways to look at an investment right um but it does sound you know is not something that that I've executed on myself but it sounds like this is an active business right and that's why you've put together an income fund for people that want to get involved passively um because as as everybody knows there's active Investments there's passive Investments if you're going to do something active maybe your returns are going to be a little bit better but you're going to give up a lot of time and effort to to get those returns um so if you want to go to the passive side if you if you're still full-time in your career you're you're a full-time doctor or lawyer or or whatever you are you know these passive Investments are the way to go without having to know every single detail about a new business yeah and I don't know if you can see this but I I wore this specifically for your for this show there it is there it is passive income um you're absolutely right you know these gurus some of the some of the node investing gurus out there will try to sell you know notes as passive um we have another blog post that talks about uh just the it's a spectrum there's active and passive on either end but at the end of the day if you're gonna node investing in my world is very very active and we have a non-performing note fund that's considerably more active than the Performing note fund so um you're dealing with foreclosures bankruptcies deed and L tracking delinquent property taxes do I have to physically go anywhere no but it is not passive um but that's why we offer the passive investment to for you know people who like you said have maybe more Capital than time or energy and they want to put that Capital to work that's right there there are certain gurus out there that you know whatever it is that they are pitching it's they they tend to always pitch it as as passive even though it is an active business whether that's ma money yeah whether that's a mortgage note or I mean people pitch Airbnb short-term rentals as passive they're like well you can delegate this and you can you know you can automate that and there's software for all these things but you still got to put all that stuff together you've still got to monitor all those things you you've still got to you still got to oversee all these different aspects of a business and that's what it is it's a business that you're running and it's not passive like it's not it's not and and it is on a spectrum some things are more passive than others but when you're inves in you know as a passive investor into some sort of a fund or a syndication that's really leaning really far into the the passive side absolutely 100% and I and I'm as you are Seth I'm I'm I'm I I assume you are I know you're an active investor but I I do have passive Investments myself in other other funds other note funds and and my own my own note funds as well and so nothing wrong with doing both but I would say you need to be careful about you know you got to make a decision at some point do you want to scale this thing and and make this really a business or do you do you are you satisfied with potentially a little bit lower return and you are giving up some control but much you know much fewer headaches and just a lot less work right right yeah and a lot of you know a lot of the listeners are high income earning professionals so they've already dedic put a lot of time and effort into being able ble to earn this much money from their W2 and absolutely that's probably your best bet to be honest with you I've been there I was in those shoes you're probably better off putting your head down like let's grind for a few years let's let's not spend every single dollar that we make on all the new stuff on a on a new car every two years or every year in a bigger house that you don't need like let's set aside some of that and invest it passively and then maybe one of those will stick maybe one of those passive investments will be a mortgage note fund where you're like man I kind like this business like I like the sound of it I've learned about it and then you start maybe progressing on the active side and maybe that takes over and and you want to get into that as a as a business as an entrepreneur but um a great way to kind of dip your toe in the water is to become a passive investor um that's the way that I did it into you know multif family syndications I invested passively in a number of deals first and kind of learned about it learned the ropes and I'm like I can do this and then that's when I made the transition yeah definitely it's it really comes down to what you what your goals are and what your situation is for sure I I'll say I was too passive initially when I went into notes um because personally I just don't you're you're you were probably a little better student Seth not that I was a bad student but you know I I invest unless I'm actively in investing you know I'm just not going to learn a lot so the reality is yeah it's fine to learn about the asset class you definitely should learn about the operator for sure if you're putting Capital with them but you're not going to once you're getting your checks and your dispersements you're not going to probably learn a whole lot about how to do that on the active side and so that's what we're here for yeah yeah it's more of like a spark of an interest right like may you already have that spark and then you invest passively then you're like okay well now I'm invested like let me learn about this you have to you have to actively go out there and educate yourself and network and talk to people that are in the business definitely 100 per. all right man before we jump into the Freedom Four you have one last gold nugget for our listeners oh man um I would say within when it comes to investing um you know take the long-term view um don't chase immediate returns um you know I do think just yeah it's certainly we all want to make a million dollars tomorrow but I think it's it's play the long game when it comes to investing I think that's critical love that man all right let's jump into the Freedom Four what's the best thing you do to keep your mind body healthy yeah I mean one thing that I instituted this year actually um is breath work and it's um you know it's so it takes 10 minutes um and per day for me at least and it's been phenomenal and it's something that quite honestly as a as a you know athlete back in the day or even in the military I would have scoffed at something like this to be honest with you because it's just you know it's not manly or whatever it's like it is phenomenal so uh breath work I mean I do other things for sure but that's certainly this year it's been a game Cher for me I just feel like it resets my central nervous system and it just gets me focused and uh I know there are other physiological benefits that you can ask uh Dr Andrew huberman or somebody else about cool I have to look into that actually have I mean obviously everybody talks about it's a Hot Topic I haven't gotten into it I haven't gotten into that plus like the cold plunges and that sort of thing um but I really want to explore that a little bit I don't know how much you can cut this out if we don't have time but I had a I'm just going to be be open about this I just had a you know in late December I got a viral infection like a neuro virus and then I had I had a what I think was a pretty severe panic attack and it was super scary and so that's why I started uh doing this and somebody on my team actually sent me a a I guess we'll call it an implement or a tool that uh I use for the breath work it's BL there's a Bluetooth connection to your phone and it's pretty cool so it's structured and back to that discipline right but um yeah so it's there was a reason I started doing it and um it's it's so accessible five to 10 minutes a day you can start doing it so yeah very cool highly recommend cool thanks for sharing that man um with all your success what is one limiting belief that you've crushed along the way and how did you get past it um I think just uh you know being afraid to you know that you have to be perfect right so um I used to be an editor back in the day and so many things would just not get done or not get completed within our team our organization um because it had to be perfect and and it's like I think as I've progressed into more of the entrepreneurial lifestyle and and uh it's just it's not a it's not an option anymore um so um yeah I think just taking action has kind of overcome that limiting belief of of of chasing Perfection yeah yeah I can I can I can agree with you there done not perfect um as you know my background as an attorney I mean we're we're paid to be perfect like we can't make mistakes especially in contracts and the way that we write things but when you kind of make that transition over to being an entrepreneur there's too much there's too much to to be to be perfect you got you just got to get it done good enough absolutely good enough has to you have to be open um willing to accept that for sure y what's one actionable step our listeners can do right now to start creating more freedom so I'll use the military here you can um which is where I learned U kind of reverse backwards planning reverse planning so literally just and I'm not going to tell you I'm perfect at this um but you know think about what create a vivid vision for your life in in the next three to five years pick a pick three years out from today and what do you want your life to look like and then backwards plan and now I'm not saying you need to plan every minute of every day but you can be that will that will increase the urgency uh sense of urgency in your life and the intentionality of every every hour and every day because you realize this is doable but I got to take ownership of of my current situation if I want this to be the reality in three years so I would say create a vivid vision and and kind of reverse or backwards plan to get there perfect perfect last but not least how has passive income made your life better yeah I mean I think in multiple ways but a big one that stands out is is giving me I guess we'll call it margin um to take some more risks on the entrepreneurial side and because I do have alternative sources of income passive income um it's allowed me that kind of mental and financial bandwidth or margin to maybe invest in a company that even if it doesn't per go perfectly it doesn't go well it's not profitable that's okay I still have that cushion um for for me and my family so that's yeah it's a huge it's been a huge factor in that regard yeah absolutely Game Changer man it just changes your mindset changes your life in so many ways uh Jamie this has been incredible dude you've got so much great content to to share in your brain man you got to get it out there um I know you've got an awesome podcast that I was on adversity to abundance everybody should check that out um other than that Jamie where else can people find out more about you yeah just two things I'll mention very quickly uh literally got my book delivered today like an hour before I hopped on here it's uh from adversity to abundance it is based on the podcast so I encourage your listener to check that out from adversity to abundance is the book that's out and then Labrador lending.com l b r a d o r.com is where you can check us out all right man awesome I'll drop all that in the show notes thanks again for coming on brother thanks for having me Seth this has been great Links from the Show and Guest Info and Links: https://www.youtube.com/watch?v=t6nU0TtMAFc https://www.instagram.com/p/C2sKtrAPX50/ https://www.facebook.com/permalink.php?story_fbid=pfbid029mGsZgw2DFvrvFV6QPkwf2U2ewUxCGoRmnjGvuBicaWmM9oHWbemP7NCVFFXz8jxl&id=100089126144055 Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en Jamie Bateman's Links: https://x.com/batemanjames https://www.facebook.com/batemanjames https://www.threads.com/@batemanjames11? https://www.instagram.com/batemanjames11/ https://www.linkedin.com/in/jamie-bateman-5359a811/ https://labradorlending.com/about/
Most mid-market construction companies are outgrowing their brokers without even realizing it.In this episode of Getting Past the Premium, Elliot Bassett sits down with Joshua Verch, Senior Advisor at The Baldwin Group, to unpack what really happens when companies scale past $10M, $25M, or $50M—and producers are still treating them like they're a small business.Joshua brings a sharp and refreshing perspective from inside the trenches of construction risk management, where service gaps, outdated brokers, and foggy renewal processes are killing profitability.If you're a producer, agency owner, or executive dealing with risk in the construction space…This conversation is a wake-up call.You'll learn:✅ Why most insurance strategies don't evolve as businesses grow✅ The hidden risks of staying loyal to the wrong broker✅ How to structure better submissions and win underwriting support✅ Why consultative producers are taking market share✅ What it takes to be seen as an advisor—not a quote machineWhether you're trying to win BORs or protect your largest accounts, this episode delivers a masterclass in authority-based selling and next-level advisory.
The following guest sits down with host Justin White:• Roy Meshel – Founder, Local MortgageDeepening Connections in the Community by Sharing Your Borrowers' Best StoriesRoy Meshel isn't just in the mortgage business – he's also in the memory-making business. For Roy, a mortgage is more than a commodity – it's a gateway to the best moments in people's lives. How can mortgage brokers leverage these moments to help their business? Listen to episode #101 of Good. Better. Broker. to find out why sharing your borrowers' best stories deepens your connections in the community.In this episode of the Good. Better. Broker. podcast, you'll learn how to turn a mortgage into a memory for borrowers.In this episode, we discuss ...• 1:25 – why the word “local” has a ton of meaning for Roy• 3:41 – why being invested in your community is a winning strategy• 5:23 – Roy's belief that community is about connection• 6:23 – why Roy started asking clients about the best moments in their home• 9:15 – the best moment Roy has heard from a client• 11:13 – how Roy started capturing client moments for videos• 12:25 – feedback on the videos Roy has captured• 13:56 – how the videos help Roy's staff appreciate what they do• 16:53 – the impact of Roy's approach to reviews and referralsResources mentioned in this episode: Unreasonable Hospitality Show Contributors:Roy MeshelConnect on LinkedIn Connect on Facebook Connect on InstagramAbout the Host:Justin White is UWM's in-house brand journalist and the host of the daily news video, Inside Pass. He creates engaging content across multiple platforms to promote the benefits of the wholesale channel and partnering with UWM. A seven-time Emmy-award winner, Justin is a graduate of the S.I. Newhouse School of Public Communications at Syracuse University. Connect with Justin on LinkedIn, Instagram, or Twitter Connect with UWM on Social Media:• Facebook• LinkedIn• Instagram• Twitter• YouTubeHead to uwm.com to see the latest news and updates.
In this episode of the Industrial Advisors Podcast, hosts Bill Condon and Matt McGregor revisit one of their most popular episodes featuring promising young brokers Kyle Back and Chloe Heiligenstein. They discuss the duo's rapid career advancements, work ethic, and innovative approaches in the commercial real estate industry. Kyle and Chloe share their strategies for success, the impact of their early career efforts including networking and education and adapting to industry changes during the pandemic. This episode highlights their impressive accomplishments, dedication, and the evolving role of technology in real estate. 01:08 Highlighting Kyle's Career Progress 02:56 Chloe's Career Journey 04:35 Rebroadcast of the Original Podcast 05:59 Kyle and Chloe's Early Career Insights 13:43 Adjusting Business Development During the Pandemic 16:35 Challenges and Lessons from Year One 18:14 The Evolution of Cold Calling 23:58 The Role of Technology in Modern Brokerage 26:34 Attracting College Graduates to Commercial Real Estate 30:57 Conclusion and Final Thoughts You can find every episode of this show on Apple Podcasts, Spotify or YouTube, For more, visit industrialadvisors.com
In this Exclusive interview, Dayma and Garret sit down with two of Canada's most successful industrial brokers, Matt Albertine (Senior Vice President) and Bill Pavlopoulos (Vice President) at Colliers for an insider look at the state of industrial real estate.These industry heavyweights break down the post-COVID market correction, explore the history behind rental rate hikes, and discuss how the Greater Toronto Market historically went from the 4th largest industrial hub in North America to now the 6th, and so much more! From the stories behind how Matt and Bill captured their biggest deals to career advice for aspiring brokers and their different approaches to building their team, this episode delivers exclusive insights you won't find anywhere else, only on The Commercial Real Estate Library.SECURE COMMERCIAL FINANCING: http://greenfoxcapital.comCRE Library Website: https://www.crelibrary.ca/SUBSCRIBE TO OUR YOUTUBE: https://www.youtube.com/channel/UCyQ3EDKZqW2t62aq5Q0cRBwSPOTIFY | https://open.spotify.com/show/54qf2EJwnrsYn0EC2TnJo3APPLE | https://podcasts.apple.com/ca/podcast/commercial-real-estate-library/id1437946062INSTAGRAM | https://instagram.com/commercialrealestaelibraryTIKTOK | https://www.tiktok.com/@crelibrary?_t=8XZSNgigk9m&_r=1Podcast Clips on YouTube: https://youtube.com/@crelibraryclips
Are you stuck in a loop of emotional sabotage, and finding ways to benefit from it? In this episode of Brokers of Secrets, William Lam offers insight into how secondary gains create persistent mental loops that keep you stuck. These internal maps (formed in childhood and reinforced by experience) trade success for safety, love, or attention. You'll learn how to identify these patterns, question their purpose, and use quantum thinking to rewrite your subconscious for true abundance. Plus, discover William's simple daily practices to start reprogramming your emotional operating system now.Chapters:(00:00) Introduction(03:51) Symptoms vs. Root Causes(07:41) Secondary Gain as Loop Fuel(10:00) Business Sabotage for Validation(12:55) Asking the Right Questions: What Do I Gain?(14:46) Nightly Reprogramming and Abundance Thinking(17:54) People Pleasing, Guilt, and Unconscious PayoffsLearn more at https://upgrd.comFollow us on Instagram at https://www.instagram.com/theupgrd
Most producers chase every lead and wonder why they're stuck in the price game.But Tom Gilroy flipped the script—and helped scale a 120-year-old family agency into a nationally recognized powerhouse.In this episode, Tom breaks down the repeatable strategy that took him from finance outsider to President of GKG, and the systems they use to help producers win high-value clients without pitching on price.If you're serious about creating meaningful differentiation, building real expertise, and closing accounts that actually want your advice—this episode is your blueprint.Here's what you'll learn:✅ Why grit, network, or expertise—you only need 2 of the 3 to win✅ How Tom used social media to generate national inbound leads✅ The system GKG built to back up every sales promise with execution✅ How to create a risk strategy roadmap that compels clients to switch✅ Why the “no a-hole” rule protects your team and client experience✅ How to craft a repeatable risk advisory process your team can use to scale
In this episode of the Startup CPG Podcast, Daniel Scharff speaks with Matt Merson, Head of Strategy and Sales at Once Upon a Coconut, and a veteran executive with over three decades of experience in the consumer packaged goods (CPG) industry. This in-depth conversation offers a comprehensive guide to navigating sales broker relationships for emerging CPG brands.Matt provides practical guidance on when and how to find and engage a broker, how to evaluate broker performance, and what internal preparations are necessary for a successful partnership. The discussion covers key topics such as broker compensation structures, contract negotiation strategies, the importance of sales collateral and data readiness, and how to ensure brokers are aligned with your brand's growth strategy.Gain a clear understanding of the differences between national, regional, and specialty brokers, and how to choose the right fit based on product, channel, and stage of growth. Matt also shares real-world insights on managing broker expectations, establishing accountability, and setting measurable goals to drive retail success.This episode is an essential resource for founders and sales leaders seeking to build sustainable retail distribution through broker partnerships.Listen now to gain expert-level insights into one of the most critical decisions early-stage CPG brands face.Access Startup CPG's exclusive data package with NIQ: https://nielseniq.com/global/en/landing-page/startupcpg/Listen in as they share about:What Is a Broker and When to Hire OneStrategic Fit and Channel FocusHow to Find & Evaluate BrokersTypes of BrokersFees & Contract Structure and NegotiatingTools to Set Brokers Up for SuccessWhen It's Not WorkingMaintaining a Healthy Broker RelationshipMatt's Recommended BrokersEpisode Links:Website: https://onceuponacoconut.com/LinkedIn: https://www.linkedin.com/in/matthew-merson/ Don't forget to leave a five-star review on Apple Podcasts or Spotify if you enjoyed this episode. For potential sponsorship opportunities or to join the Startup CPG community, visit http://www.startupcpg.com.Show Links:Transcripts of each episode are available on the Transistor platform that hosts our podcast here (click on the episode and toggle to “Transcript” at the top)Join the Startup CPG Slack community (20K+ members and growing!)Follow @startupcpgVisit host Daniel's Linkedin Questions or comments about the episode? Email Daniel at podcast@startupcpg.comEpisode music by Super Fantastics
A million-dollar book isn't success anymore—it's table stakes. In this episode, join business advisers John W. Sbrocco and Craig Lack as they reveal the specific habits and mindsets that drive brokers to multi 7-figure success and give you a practical roadmap to scale beyond your current limitations.What we cover in this episode:Why million-dollar books are like million-dollar houses (not what they used to be)How to invest 8-12% of revenue back into growth (masterminds, coaches, marketing)Why targeting 150-350 life groups beats chasing small accountsThe #1 factor that separates elite producers: getting in front of more peopleDaily prospecting habits that never stop (even between meetings)LEARN MOREHeads Up Adviser: https://virtuealliance.com/heads-up-adviser/Virtue Health: https://virtuealliance.com/CONNECT ON LINKEDINJohn W. Sbrocco: https://www.linkedin.com/in/johnwsbrocco/Craig Lack: https://www.linkedin.com/in/craiglack/
Inside the Deal: Journeys in Business Acquisition | The MKB Podcast | Episode 62 Link to video podcast episode:
Het zakelijk imperium van Elon Musk raakt steeds meer met elkaar vermengd. Eerst ging X samen met start-up xAI, afgelopen weekend investeerde zijn SpaceX ineens 2 miljard dollar in xAI. Maar hij wil nóg verdergaan. Tesla-aandeelhouders moet stemmen over een investering in xAI. Beleggers moeten dus beslissen of ze geld willen uitgeven aan zijn privébedrijf. Daar staan we deze aflevering bij stil. Is het wel wenselijk dat beleggers geld stoppen in een onderneming van de topman? En gaat xAI Tesla ook echt verder helpen? Van de rijkste man van de wereld, door naar de rijkste van Frankrijk. Of nou ja, dat was hij. Bernard Arnault is namelijk zijn koppositie kwijt. De baas va LVMH duikelt op het rijkenlijstje, omdat het aandeel van LVMH het niet goed doet. Hermes doet dat wél. Je hoort waarom dat is.Hoor je ook meer over de heffingen van Trump. Europa wordt door hem eerder bestookt met torenhoge heffingen, dan een massamoordenaar. Verder in de uitzending: Google aapt AI-tactiek van Mark Zuckerberg na Leegloop in de Midkap: is index nog wel relevant? Ethiopië krijgt een nieuwe beurs Grootaandeelhouder van Philips schikt voor 175 miljoen euro met fiscus Bedrijf dat Unilever wilde kopen, nu zélf in problemen Superman redt Warner Bros? See omnystudio.com/listener for privacy information.
On this podcast episode, we find out that Turkish has killed their million mile promo, we talk about Ritz card rumors, and we shed some light on how Greg's uncle can redeem his transferable points for cash.Giant Mailbag(01:30) - One reader tries to convince Greg to do the JetBlue 25 for 25 promotionMega Airline Promo Updates(04:53) - Turkish kills their 6 continent, 1 million mile promoFind out more about that promo in our previous podcast episode here. (Or read our post about it here.)(09:09) - Etihad tries to make their promo relevant(13:20) - JetBlue promo(s)Learn more about the JetBlue 25 for 25 promo here.Learn about the Dunkin' promo here.Card News(21:25) - Citi® / AAdvantage® Platinum Select® World Elite Mastercard® (new offer)(22:17) - UBS Visa Infinite: increased fees, increased benefitsCrazy Thing(28:01) - Rumor: Is the Ritz card going to increase fee to $695 on Aug 1? Apparently not...Bonvoyed(36:31) - Alaska Airlines Mileage Plan seems to be having a spat of hacked accountsAwards, Points, and More(38:49) - Porter Airlines now bookable using Alaska Airlines miles. Prices start at 4.5k/6kMain Event: No longer traveling? How to cash out your transferable points(41:03) - The premise...(43:23) - Brokers? Please no. Explicitly allowed options only will be discussed today(46:00) - American Express Membership Rewards(53:06) - Bilt Rewards(55:53) - Capital One Miles(57:18) - Citi ThankYou Rewards(1:01:01) - Chase Ultimate RewardsQuestion of the Week(1:06:35) - How can you book a JetBlue flight with Etihad miles to an airport Etihad claims doesn't exist?Subscribe and FollowVisit https://frequentmiler.com/subscribe/ to get updated on in-depth points and miles content like this, and don't forget to like and follow us on social media.Music Credit – “Ocean Deep” by Annie Yoder
Get inspired by the incredible journey of Cassandra Hartford, founder and CEO of Reach, as she shares her rise from a challenging childhood to leading a successful real estate brokerage in Florida. Host Aaron Zucker dives deep into her story, revealing lessons learned, pivotal career moves, and what it takes to build and sustain success in commercial real estate.10:16 High School Trouble and Wrong Crowd13:27 Facing Consequences19:08 Brief California Experience Ends Abruptly21:26 Unqualified Success through Charisma30:11 Brokers vs. Agents: Different Industries32:15 Nationwide Real Estate Course Experience39:55 Mindset Over Skillset Hiring47:43 Unique Path in Commercial Real Estate50:54 Acquiring Brokerages Through Succession Gaps55:13 Be Likable, Not VanillaWeb: zuckerinvestmentgroup.comIG: instagram.com/zuckerinvestmentgroupX: twitter.com/ZIG_CRE
Most people don't fail because they lack discipline or resources, they fail because their subconscious needs them to. In this episode of Brokers of Secrets, William Lam exposes the hidden psychology of secondary gain, the emotional payoff that keeps high achievers stuck in cycles of sabotage, such as financial struggle, illness, and relationship drama. William explains how your subconscious can trade progress for protection, creating loops that feel safe but stall growth. You'll learn how to spot your loop, decode its emotional reward, and rewire it, turning unconscious sabotage into strategic self-mastery. Chapters:(00:00) Introduction(02:48) Grandfathers Subconscious Loop (06:14) Generational Patterns Of Self-Sabotage(09:53) Diagnosing Unconscious Loops(11:08) Emotional Needs Behind Negative Patterns(15:07) Identity-Level Sabotage (19:56) Tools For Reprogramming: Loop Quiz + SprintLearn more at https://upgrd.comFollow us on Instagram at https://www.instagram.com/theupgrd
Most agencies are burning out their team to protect their bottom line.More remarketing. More manual quoting. More inefficiencies.All while margins get tighter — and expectations get higher.This week on Getting Past the Premium, Elliot sits down with Chris Peabody from Ascend to unpack what the most forward-thinking agencies are doing differently:✅ Automating the right processes✅ Embedding AI in invisible, high-impact ways✅ Standardizing workflows without losing trust✅ And actually measuring ROI before adopting new toolsThis episode isn't about “using AI” — it's about building a more scalable, sustainable firm in today's reality.
The following guests sit down with hosts Justin White and Mat Ishbia:• Eric Katz – Independence Home Loans• Andi Numan – Swift Home Loans• Ann Sullivan – Lending Heights• Carrie Gusmus – Aslan Home Lending• Ian Twaddle - UMortgageMat Ishbia's Favorite Moments from the First 99 Episodes of Good. Better. Broker.It's time to celebrate as Good. Better. Broker. hits the century mark. In our 100th episode, we're joined by special guest host Mat Ishbia, who looks back on his favorite moments from our first 99 episodes. Which moments made the list? Tune into episode #100 to find out.In this episode of the Good. Better. Broker. podcast, you'll hear Mat Ishbia talk about his favorite segments from our first 99 episodes. In this episode, we discuss ... • 1:20 – Eric Katz on nailing the first 90 seconds of a sales call• 5:23 – Andi Numan on refinance business being available in any rate environment• 7:55 – Ann Sullivan on using home equity to improve financial well-being• 11:39 – Carrie Gusmus on the investment she makes in coaching her LOs• 15:19 – Ian Twaddle on obsessing over real estate agent relationshipsShow Contributors:Eric KatzConnect on LinkedInConnect on FacebookConnect on InstagramAndi NumanConnect on LinkedInConnect on FacebookConnect on InstagramAnn SullivanConnect on LinkedInConnect on FacebookConnect on InstagramCarrie GusmusConnect on LinkedInConnect on FacebookConnect on InstagramIan TwaddleConnect on LinkedInConnect on FacebookConnect on InstagramAbout the Host:Justin White is UWM's in-house brand journalist and the host of the daily news video, Inside Pass. He creates engaging content across multiple platforms to promote the benefits of the wholesale channel and partnering with UWM. A seven-time Emmy-award winner, Justin is a graduate of the S.I. Newhouse School of Public Communications at Syracuse University.Connect with Justin on LinkedIn, Instagram, or TwitterConnect with UWM on Social Media:• Facebook• LinkedIn• Instagram• Twitter• YouTubeHead to uwm.com to see the latest news and updates.
Is your portfolio built by a broker or a model? Don and Tom break down the surprisingly persistent patterns of old-school broker portfolios—loaded with local stocks, overpriced “index” funds, and actively managed everything—versus the growing adoption of model portfolios based on actual research (not just a hunch and a handshake). Along the way, they torch high-fee index fund imposters, answer smart listener questions on global diversification, CD ladders, tax traps in variable annuities, and even debate whether a Japanese WWII bomber should really be called “Jill.” Oh, and Tom reads a brutal Apple Podcast review… and takes it like a champ. 0:04 Dumb money habits and the rise of model portfolios 1:23 Bellevue vs Florida weather showdown 2:34 Classic broker-built portfolio ingredients 3:55 Sprinkling in overpriced “index” funds 5:50 What a model portfolio is (and isn't) 6:53 Structure vs speculation: why models matter 8:31 Global diversification as a simple model 9:18 The difference between advice and product-pushing 10:24 When “index” doesn't mean cheap: top offender list 11:55 The 2.33% RIDEX fund shame parade 13:02 The Jill bomber sidetrack takes flight 13:54 Listener Laura's AVDE allocation dilemma 15:40 Two-fund model: Avantis U.S. + international 17:00 Logistical pronunciation issues and Bolden software 18:42 Rate assumptions for planning software 19:35 Tom's humor gets roasted in a 5-star review 20:52 Listener Carol's CD ladder tax question 22:38 Timing vs safety: the truth about “dry powder” 24:36 Mitchell's $550K variable annuity dilemma 26:10 Why annuity gains aren't capital gains 27:01 Low-cost annuity, but still no step-up 28:11 The opaque, intentionally confusing nature of insurance 29:41 Scheduling complaints and Don's one-day-off fantasy 32:12 Programming note: no podcast on market holidays 34:04 Calls, questions, and Jill Bomber sign-off chaos Learn more about your ad choices. Visit megaphone.fm/adchoices
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The managed service provider (MSP) cyber insurance landscape is facing significant challenges, primarily due to the certification process rather than the coverage itself. Edouard von Herberstein, a seasoned expert in complex risk management, recognized the inefficiencies within this system and founded Spectra, the first MSP certification platform acknowledged by major insurers. His insights reveal that the lack of trust and understanding between insurers and MSPs has created a bottleneck, preventing effective collaboration in enhancing cyber resilience and risk management.Spectra's approach focuses on certifying the MSP as an organization rather than individual technicians. This certification process involves a thorough examination of how MSPs protect themselves, the resilience of the solutions they offer, and the deployment of these solutions to customers. By ensuring that MSPs meet specific standards and best practices, Spectra aims to build trust with insurers, who have historically been skeptical of the MSP sector. This certification not only enhances the credibility of MSPs but also provides insurers with a reliable way to assess risk.The conversation also touches on the skepticism that exists on both sides of the insurance and MSP relationship. Many MSPs view insurers as profit-driven entities that often deny claims, while insurers perceive MSPs as lacking value. However, through initiatives like Spectra, there is a growing recognition of the mutual benefits that can arise from collaboration. Brokers are increasingly seeking certified MSPs to refer to clients, creating a new dynamic where both parties can thrive.Finally, the discussion highlights the importance of insurance in the broader context of cybersecurity. While some argue that organizations can self-insure by maintaining sufficient funds for potential breaches, the reality is that many SMEs do not recover from incidents like ransomware attacks. Insurance provides not only financial support but also critical guidance and resources post-incident. By fostering a partnership between certified MSPs and insurers, Spectra aims to create a more resilient cybersecurity ecosystem that benefits all stakeholders involved. Supported by MSPRADIO : https://mspradio.com/engage/ All our Sponsors: https://businessof.tech/sponsors/ Do you want the show on your podcast app or the written versions of the stories? Subscribe to the Business of Tech: https://www.businessof.tech/subscribe/Looking for a link from the stories? The entire script of the show, with links to articles, are posted in each story on https://www.businessof.tech/ Support the show on Patreon: https://patreon.com/mspradio/ Want to be a guest on Business of Tech: Daily 10-Minute IT Services Insights? Send Dave Sobel a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/businessoftech Want our stuff? Cool Merch? Wear “Why Do We Care?” - Visit https://mspradio.myspreadshop.com Follow us on:LinkedIn: https://www.linkedin.com/company/28908079/YouTube: https://youtube.com/mspradio/Facebook: https://www.facebook.com/mspradionews/Instagram: https://www.instagram.com/mspradio/TikTok: https://www.tiktok.com/@businessoftechBluesky: https://bsky.app/profile/businessof.tech
Recurring setbacks aren't just bad luck or poor discipline, but a subconscious program running on autopilot. In this episode of Brokers of Secrets, William Lam unpacks the psychological “loop” , a hidden, recurring pattern that drives cycles of success followed by collapse across all aspects of life. These loops are not random. They are encoded into your unconscious through early childhood imprinting, social conditioning, and generational trauma. Without realizing it, most people repeat the same emotional cycles such as overworking only to burn out or attracting the same toxic partners, but there is a way out. William reveals how to diagnose your personal loop, decode the secondary emotional gains behind it, and reprogram your subconscious mind from a win/lose or pain/pleasure cycle into a “win or win more” reality. He introduces two powerful tools, the Loop Quiz and the 7-Day Sprint, to help you uncover your loop and permanently break free.Whether you're an entrepreneur, a high performer, or someone ready to stop reliving the same frustrations year after year, this episode offers a transformative roadmap to reclaiming agency over your lifeChapters:(00:00) Introduction(00:49)The Success Failure Loop (02:03) Success Crash Scenarios (06:48) Relationship Loops and Toxic Patterns(20:41) Repeating Relationship Cycles Explained(25:56) The Savior Complex(27:47) Health and Fitness Motivation Loops(31:07) Awareness, Reprogramming, and Next StepsLearn more at https://upgrd.comFollow us on Instagram at https://www.instagram.com/theupgrd
Ron Kamdem, our U.S. Real Estate Investment Trusts & Commercial Real Estate Analyst, discusses how GenAI could save the real estate industry $34 billion and where the savings are most likely to be found.Read more insights from Morgan Stanley.----- Transcript -----Welcome to Thoughts on the Market. I'm Ron Kamdem, Head of Morgan Stanley's U.S. Real Estate Investment Trusts and Commercial Real Estate research. Today I'll talk about the ways GenAI is disrupting the real estate industry.It's Tuesday, July 1st, at 10am in New York.What if the future of real estate isn't about location, location, location – but automation, automation, automation?While it may be too soon to say exactly how AI will affect demand for real estate, what we can say is that it is transforming the business of real estate, namely by making operations more efficient. If you're a customer dealing with a real estate company, you can now expect to interact with virtual leasing assistants. And when it comes to drafting your lease documents, AI can help you do this in minutes rather than hours – or even days.In fact, our recent work suggests that GenAI could automate nearly 40 percent of tasks across half a million occupations in the real estate investment trusts industry – or REITs. Indeed, across 162 public REITs and commercial real estate services companies or CRE with $92 billion of total labor costs, the financial impact may be $34 billion, or over 15 percent of operating cash flow. Our proprietary job posting database suggests the top four occupations with automation potential are management – so think about middle management – sales, office and administrative support, and installation maintenance and repairs.Certain sub-sectors within REITs and CRE services stand to gain more than others. For instance, lodging and resorts, along with brokers and services, and healthcare REITs could see more than 15 percent improvement in operating cash flow due to labor automation. On the other hand, sectors like gaming, triple net, self-storage, malls, even shopping centers might see less than a 5 percent benefit, which suggests a varied impact across the industry.Brokers and services, in particular, show the highest potential for automation gains, with nearly 34 percent increase in operating cash flow. These companies may be the furthest along in adopting GenAI tools at scale. In our view, they should benefit not only from the labor cost savings but also from enhanced revenue opportunities through productivity improvement and data center transactions facilitated by GenAI tools.Lodging and resorts have the second highest potential upside from automating occupations, with an estimated 23 percent boost in operating cash flow. The integration of AI in these businesses not only streamline operations but also opens new avenues for return on investments, and mergers and acquisitions.Some companies are already using AI in their operations. For example, some self-storage companies have integrated AI into their digital platforms, where 85 percent of customer interactions now occur through self-selected digital options. As a result, they have reduced on-property labor hours by about 30 percent through AI-powered staffing optimization. Similarly, some apartment companies have reduced their full-time staff by about 15 percent since 2021 through AI-driven customer interactions and operational efficiencies.Meanwhile, this increased application of AI is driving new revenue to AI-enablers. Businesses like data centers, specialty, CRE services could see significant upside from the infrastructure buildout from GenAI. Advanced revenue management systems, customer acquisition tools, predictive analytics are just a few areas where GenAI can add value, potentially enhancing the $290 billion of revenue stream in the REIT and CRE services space.However, the broader economic impact of GenAI on labor markets remains hotly debated. Job growth is the key driver of real estate demand and the impact of AI on the 164 million jobs in the U.S. economy remains to be determined. If significant job losses materialize and the labor force shrinks, then the real estate industry may face top-line pressure with potentially disproportionate impact on office and lodging. While AI-related job losses are legitimate concerns, our economists argue that the productivity effects of GenAI could ultimately lead to net positive job growth, albeit with a significant need for re-skilling.Thanks for listening. If you enjoy the show, please leave us a review wherever you listen and share Thoughts on the Market with a friend or colleague today.
On episode 856 of WHAT THE TRUCK?!? Dooner discusses another tragic weekend truck accident. On Saturday, Alexis Osmani Gonzalez-Companioni reportedly fell asleep behind the wheel of his semi-truck, causing a crash that killed five people in Texas. Following Secretary Duffy's appearance on last Friday's show, where he discussed English Language Proficiency (ELP) enforcement and a nationwide non-domiciled CDL audit, CarrierSources' Kevin Hill joins to share how freight brokers and shippers are reacting to these regulations. He'll also reveal what shipper search activity indicates about summer freight market demand. Global turmoil could reshape shipping markets. Focal Point founder and CEO Anders Lillevik examines manufacturing and shipping risks stemming from conflict around the Strait of Hormuz. Plus, GenLogs warns of a load board-based cargo theft ring targeting freight over the 4th of July holiday, and more. Chapters 3:12 Another deadly weekend wreck 7:26 Cargo theft crime ring alert 10:28 ELP and non-domiciled CDL audit | Kevin Hill 16:18 What shipper activity is saying about the summer market | Kevin Hill 30:27 From my point of view, the ____ are evil | Kevin Hill 33:00 Farewell 34:16 Strait of Hormuz: Manufacturing/Shipping Risk | Anders Lillevik Catch new shows live at noon EDT Mondays, Wednesdays and Fridays on FreightWaves LinkedIn, Facebook, X or YouTube, or on demand by looking up WHAT THE TRUCK?!? on your favorite podcast player and at 6 p.m. Eastern on SiriusXM's Road Dog Trucking Channel 146. Watch on YouTube Check out the WTT merch store Visit our sponsor Subscribe to the WTT newsletter Apple Podcasts Spotify More FreightWaves Podcasts Learn more about your ad choices. Visit megaphone.fm/adchoices
After a highly watched and successful Buyer Series last week, we are back to our classic format of Alex and Wade chatting it out about CPG. A big part of our show is sharing perspectives both from the brand side, the buying side, and also the broker side. Alex ran a CPG brand for over 10 years and on this episode, he will share about what to consider when you are launching a CPG Brand.Wade brings over 25 years of experience as a corporate retail category manager/buyer and now is a broker/master sales specialist and he also plans to share more insights on how to work with brokers and maximize the relationship.Tune in, you don't want to miss this one!
Award-winning investigative journalist and contributing Wired editor Scott Carney leads listeners on a breathtaking journey through the macabre underworld of the global body bazaar, where organs, bones, and even live people are bought and sold on The Red Market.As gripping as CSI and as eye-opening as Mary Roach's Stiff, Carney's The Red Market sheds a blazing new light on the disturbing, billion-dollar business of trading in human body parts, bodies, and child trafficking, raising issues and exposing corruptions almost too bizarre and shocking to imagine.https://amzn.to/40vciFzBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-opperman-report--1198501/support.
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[00:00:00] Jamie Metzl [00:18:26] Allen West [00:36:50] Ahmed Fouad Alkhatib [01:13:36] Michael Rubin [01:32:00] Jennifer Sey Learn more about your ad choices. Visit podcastchoices.com/adchoices
On today's Top News in 10 we cover: President Trump brokers a ceasefire to the Israeli-Iranian “Twelve Day War.” The Supreme Court rules the Trump administration can continue deporting illegals to any accepting nation. Democrats struggle under the weight of leadership's bad choices and party infighting. Subscribe to The Tony Kinnett Cast: https://podcasts.apple.com/us/podcast/the-tony-kinnett-cast/id1714879044 Don't forget our other shows: Virginia Allen's Problematic Women: https://www.dailysignal.com/problematic-women Bradley Devlin's The Signal Sitdown: https://www.dailysignal.com/the-signal-sitdown Follow The Daily Signal: X: https://x.com/DailySignal Instagram: https://www.instagram.com/thedailysignal/ Facebook: https://www.facebook.com/TheDailySignalNews/ Truth Social: https://truthsocial.com/@DailySignal YouTube: https://www.youtube.com/user/DailySignal Rumble: https://rumble.com/c/TheDailySignal Thanks for making The Daily Signal Podcast your trusted source for the day's top news. Subscribe on your favorite podcast platform and never miss an episode. Learn more about your ad choices. Visit megaphone.fm/adchoices
On today's Top News in 10 we cover: President Trump brokers a ceasefire to the Israeli-Iranian “Twelve Day War.” The Supreme Court rules the Trump administration can continue deporting illegals to any accepting nation. Democrats struggle under the weight of leadership's bad choices and party infighting. Subscribe to The Tony Kinnett Cast: […]
Chris Hamilton is a finance expert with 15 years of experience, on a mission to expose how the healthcare system is stealing from the middle class. Chris uncovered a harsh reality: insurance brokers and companies have zero incentive to lower your costs. Brokers even make commissions on rising premiums, sometimes earning bonuses for keeping prices high. The Affordable Care Act, rather than boosting competition, turned healthcare into big business. What was once a market of 12-13 insurance companies has now consolidated to just 4 major players, dominating the industry. With fewer choices and rising costs, the average family is paying $24k in premiums annually, plus another $5-6k out of pocket—all while the healthcare giants profit. That money, which should be building the American dream—going toward college savings, a home, or retirement—is being swallowed by a broken healthcare system. For the middle class, these rising costs are an invisible thief, robbing families of financial security. Hotchkiss Insurance: https://hotchkissinsurance.com/ Today's Sponsors: Black Rifle Coffee: https://blackriflecoffee.com Truewerk: Check out the full lineup and get 15 percent off your first order at https://TRUEWERK.com/clearedhot.