Podcasts about buyers

Want to Start or Grow a Successful Business? Schedule a FREE 13-Point Assessment with Clay Clark Today At: www.ThrivetimeShow.com   Join Clay Clark's Thrivetime Show Business Workshop!!! Learn Branding, Marketing, SEO, Sales, Workflow Design, Accounting & More. **Request Tickets & See Testimonials At: www.ThrivetimeShow.com  **Request Tickets Via Text At (918) 851-0102   See the Thousands of Success Stories and Millionaires That Clay Clark Has Helped to Produce HERE: https://www.thrivetimeshow.com/testimonials/ Download A Millionaire's Guide to Become Sustainably Rich: A Step-by-Step Guide to Become a Successful Money-Generating and Time-Freedom Creating Business HERE: www.ThrivetimeShow.com/Millionaire   See Thousands of Case Studies Today HERE: www.thrivetimeshow.com/does-it-work/  

In this episode of Business Lunch(Snack Time): This conversation delves into the significant impact of the federal shutdown on small business financing, particularly focusing on the halt of SBA loans. It explores the resulting liquidity shock, the opportunities it presents for buyers, and the alternative financing strategies that can be employed during this period. The discussion also emphasizes the importance of preparation for sellers and outlines a rapid 10-day strategy for buyers to navigate the current market dynamics effectively.TakeawaysThe federal shutdown has halted SBA loans, impacting small business transactions.A liquidity shock creates temporary opportunities for buyers.Waiting for the SBA to reopen may lead to missed opportunities.Sellers should be flexible and ready to negotiate terms for certainty.Alternative financing options include seller financing and CVRs.Buyers need to prepare a clean deal package to be competitive post-shutdown.The urgency to act now is critical to avoid chaos when the SBA reopens.Understanding geographical concentrations of SBA loan blockages can inform strategy.A proactive approach is essential for both buyers and sellers in this market.The negotiation strategy should align incentives between buyers and sellers.Chapters00:00 Impact of Federal Shutdown on Small Business Transactions04:30 Navigating the Liquidity Shock: Opportunities for Buyers07:27 Alternative Financing Strategies During the Shutdown10:32 Preparing Sellers for a Quick Exit13:38 Aggressive Strategies for Buyers in a Tight Market16:13 snackable introI'm Retiringhttps://epicnetwork.com/epic-retirement-program-vault/Connect with me on social:TikTok: Check out my TikTok HereInstagram: Check out my Instagram HereFacebook: Check out my Facebook HereLinkedIn: Check out my LinkedIn HereSubscribe to my YouTube

Today's episode is another installment in our Tech-Enabled Advisor series. The idea here is to better understand agtech through the lens of the BUYER and USER of that technology rather than just the entrepreneurs or investors behind it. I've received some super positive feedback about the return of this series. By talking to the buyers rather than the sellers of the tech, we got an unfiltered introduction to the technology and more importantly got to see HOW its used and the VALUE that it provides. To do this, I partner with a company and together we invite one of their customers onto the show. The catch is that they're not allowed to script these individuals or dictate what to say or edit it after it is recorded - it has to be real and unfiltered. So today's episode featuring Todd Kirwan of Apex Precision Agriculture is produced in partnership with AgWorld. And I'm really excited to be partnering with them again, as they were a part of the last time I did this tech-enabled advisor series. But for anyone who might not be familiar, Agworld has been operating since 2009, developed by and for growers & agronomists, and is independently owned. The Agworld ecosystem digitally connects growers with their staff, agronomist, contactor, ag retailer and anyone else that is involved in the farming process. The tool is set up to enable collaboration in the digital farming process, so farmers can maximise financial and crop performance. With Agworld you can plan your crop, mitigate your risks, and improve your profitability. And you're going to get a great illustration of what that looks like on the ground and in practice in today's episode with Todd Kirwan. Todd and I discuss what types of cultural changes need to happen in a farming operation to get the most out of technology, where things go wrong in the attempts to get the most value out of farm data, why he believes the challenging farm economy makes tools like AgWorld even more critical and some of the changes he sees happening in the future of agriculture. A little background on Todd: Todd Kirwan is the founder of Apex Precision Agriculture, a consultancy focused on helping growers and agribusinesses transform their operational data into their most profitable asset.With over 25 years in large-scale production agriculture, his career has been dedicated to bridging the gap between field-level agronomy and high-level financial strategy. Over that time, he's seen the industry from every angle, from moving pipe on the family farm to directing operations for a multi-state farming enterprise. Through his experiences in farm management, he recognized a critical need for a partner who understands not just the data, but the human dynamics of implementing change. And that led him to starting Apex Precision Agriculture. Todd grew up working in his family's farming operation and then started his own custom applicator business. That led him into farm management and leadership for a rapidly expanding farming company called Lance Funk Farms. He then stayed on after Lance Funk sold to AgReserves, which is the agricultural company owned by the LDS church. It was that time at Lance Funk Farms, when they were hyper focused on growth that Todd really embraced how technology can improve a farming operation.

NEW CTP for IBIT Under/Over - Looks like the OVER Presidential PARDONS and A King's EVICTION All Excited - Making headway on the Deficit ! PLUS we are now on Spotify and Amazon Music/Podcasts! Click HERE for Show Notes and Links DHUnplugged is now streaming live - with listener chat. Click on link on the right sidebar. Love the Show? Then how about a Donation? Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter   Warm-Up - NEW CTP for IBIT - Under/Over - Looks like the OVER - Presidential PARDONS and A King's EVICTION - All Excited - Making headway on the Deficit ! Markets - DJIA hits new ATH - after big moves last week - Buyers stepped in (again) - NASDAQ - lagging as AI trade is questioned - THEREFORE - what is happening is a simple rotation again - ALL IN! Just back from a wedding in NJ - Did some Apple picking, hot cider and donuts! Pardon Me... - President Donald Trump has pardoned a long list of his political allies for their support or involvement in plans to overturn the 2020 presidential election, according to the Department of Justice's Pardon Attorney, Ed Martin. - Several others (20+) were pardoned as well including some that plead guilty. Over the Pond - King Charles III on Thursday stripped his disgraced brother Prince Andrew of his remaining titles and evicted him from his royal residence after weeks of pressure to act over his relationship with sex offender Jeffrey Epstein, Buckingham Palace said. - After the king's rare move, which follows years of shameful scandals, he will be known as Andrew Mountbatten Windsor and not as a prince, and he will have to vacate his Royal Lodge mansion near Windsor Castle. Debt - The U.S. government's gross national debt surpassed $38 trillion Wednesday, a record number that highlights the accelerating accumulation of debt on America's balance sheet. - It's also the fastest accumulation of a trillion dollars in debt outside of the COVID-19 pandemic — the U.S. hit $37 trillion in gross national debt in August this year. - “During his first eight months in office, President Trump has reduced the deficit by $350 billion compared to the same period in 2024 by cutting spending and boosting revenue,” White House spokesman Kush Desai said in a statement, adding that the administration would pursue robust economic growth, lower inflation, tariff revenue, lower borrowing costs and cuts to waste, fraud and abuse. - Petersen Foundation: “Along with increasing debt, you get higher interest costs, which are now the fastest growing part of the budget,” Peterson added. “We spent $4 trillion on interest over the last decade, but will spend $14 trillion in the next ten years. Interest costs crowd out important public and private investments in our future, harming the economy for every American.” - Debt Growing by $69,000 per second over the the past year... Stock New - BIG Softbank - Softbank sells entire stake in NVDA - $5.83 Billion - To soften the blow, they said that it as because they are using it to redeploy further into AI - OpenAi to be specific - Also sold part of T-Moblie and using margin loan against ARM to fund the $22.5 BILLION investment in OpenAI - “This should not be seen, in our view, as a cautious or negative stance on Nvidia, but rather in the context of SoftBank needing at least $30.5bn of capital for investments in the Oct-Dec quarter, including $22.5bn for OpenAI and $6.5bn for Ampere,” Rolf Bulk, equity research analyst at New Street Research, told CNBC. - IMPORTANT SO MARKETS DO NOT GET SPOOKED: ?[SoftBank] made a point of saying that it wasn't any view on NVIDIA. ... At the end of the day, they are using the money to invest in other AI related companies,” he said. Coreweave Earnings - The provider of infrastructure for artificial intelligence companies, reported better-than-expected third-quarter revenue on Monday, but the company delivered disappointing full-year...

**Sign up for a Holiday Chat call here: https://calendly.com/dbarnett/2025-holiday-chatsecretcode **The Austin, TX and Vancouver, BC events are here: https://www.BusinesBuyerBoardroom.com **Learn more about the Group Coaching program: https://www.BusinessBuyerAdventure.com ***New Video Alert! This week, I'm sharing a mix of important updates, lessons, and announcements from the Business Buyer Advantage community — plus a look at what's new here this fall. We'll talk about: The return of Holiday Chat 2025 (and how to book your spot before they sell out) What's been happening inside the Business Buyer Advantage Group Coaching Program Key takeaways from recent buyer conversations on seller financing, rollover equity, and earn-outs The launch of Exit Ready — my brand-new online program for owners planning their exit Details on the Business Buyer Boardroom pilot events coming to Austin and Vancouver this January And yes — Black Friday deals are coming soon (email subscribers always hear first) It's a busy season, but an exciting one. If you're buying or selling a business — or planning your next move — you'll want to catch this one. Watch the full video here: https://youtu.be/PxqpnuJ-i3M Cheers, David #SmallBusiness #BuyASmallBusiness #BusinessBuyerAdvantage #ExitReady #Entrepreneurship #BusinessCoaching #DavidCBarnett *** YouTube Chapters 00:00 – Intro: 01:20 – What's New for Fall 2025 02:15 – Holiday Chat 2025: How It Works & How to Join 07:00 – Lessons from Past Holiday Chat Calls 10:30 – The Importance of Joining the Email List 12:15 – The Business Fortress Audio Book Is Now Available 13:40 – Live Mastermind Events: Austin, TX & Vancouver, BC 16:30 – What the Business Buyer Boardroom Is All About 18:20 – Black Friday Deals Preview 19:45 – Introducing Exit Ready: A Complete Exit Planning Program 25:10 – Tools and Strategies Inside Exit Ready 28:00 – Insights from the Group Coaching Program 30:10 – Equity Deals & Seller Skin in the Game 33:25 – Buyer Transitions, Seller Notes & Earn-Outs 36:40 – Handling Valuation Gaps & Seller Expectations 40:00 – Why Understanding the Buyer's Journey Matters 43:00 – Wrapping Up & Upcoming Projects **** - Join David's email list so you never miss any new videos or important information or insights, RECEIVE 7 FREE GIFTS!!- https://www.DavidCBarnettList.com **** Do Business with David using these incredible internet links... - David's Blog where you can find hundreds of free videos and articles, https://www.DavidCBarnett.com - Book a call with David and let him help you with your project, https://www.CallDavidBarnett.com - Learn how to buy a successful and profitable business in a risk-controlled way https://www.BusinessBuyerAdvantage.com - Get help selling your business, https://www.HowToSellMyOwnBusiness.com - Get better organized in your business, https://www.EasySmallBizSystems.com - Learn to make better cash flow forecasts and write incredibly effective business plans from scratch!, https://www.BizPlanSchool.com - Learn to build an equity asset with insurance! visit https://www.NewBankingSolution.com -Did you sign up for an expensive Merchant Cash Advance for your business and now struggle to make the payments? Find out how you can negotiate your way out at https://www.EndMyMCA.com

S+J is a Lifestyle Boutique featuring Men's, Women's, Kids, Pets, Vinyl, Home + Gifts in our 3 story shop, (4 including their open-air rooftop where they host fashion shows, trunk shows, pop-ups + always a DJ + dance party)! Jamie spent the first 15 years of her career in Retail at Target Corporation.  She started there in Merchandising in Girls Toys, then was promoted to a Buyer position in School Supplies and Home Office.  She then moved into the Marketing Team, first in a Licensing role and then into Advertising for Apparel & Accessories. She spent her last 9 years there working on and leading the Internal Events Team. She was responsible for Board Meetings all the way up to 10,000 person National Team Meetings with guest speakers, musicians, fashion shows and more! She left her role at Target when she couldn't balance two big jobs within retail in one family and took the opportunity to stay home with her two young boys for several years.  She was Room Parent, co-chaired school fundraisers and cheered my boys on from the sidelines at all their soccer, basketball and lacrosse matches, all while fine-tuning her vision for the shop and "visually re-merchandising" her house for each holiday!Michelle & Jamie jump right into it discussing her career at Target, meeting her now-husband, also at Target and how her passion for fashion and her husband's passion for music ultimately inspired them to open Serge + Jane.We are incredibly grateful for everyone who listens to and shares this podcast! If you've found value in our episodes and want to help us keep creating, we've made it easy through Buy Me a Coffee. Any contributions from $5 up to $200 help cover the real costs of podcasting—editing, hosting fees, and everything else that goes into bringing you quality content. It's a way for you to invest in the conversations and topics that matter to you. Head to buymeacoffee.com/retailwhorb, and as always, thank you for your continued support!  What's inside:How Jamie climbed the ranks at Target — and why she walked away from her dream job.The creation of Serge & Jane — inspired by fashion, music, and meaningful design.The behind-the-scenes story of how she and her husband built one of the most beautiful lifestyle stores in the country. FacebookSergeandjane.comSerge and Jane on InstagramSupport the show

Interested in our business advisory services for your small, medium, or large business across the coffee value chain? All services come with a 100% money-back guarantee.Email us here: support@mapitforward.org••••••••••••••••••••••••••••••••••This is the 3rd episode of a 5-part podcast series with Susie Spindler on The Daily Coffee Pro Podcast by Map It Forward, hosted by Lee Safar.Susie is the co-founder of Cup of Excellence (CoE) and the founder of Alliance for Coffee Excellence (ACE).The focus of this podcast series is the impact that CoE has had on the coffee industry since its establishment.The five episodes in this series are:1. Forming Cup of Excellence - https://youtu.be/LcldGKtEF5w2. Cup of Excellence's Impact at Origin - https://youtu.be/Iq0rIgyl4Rw3. The Role of Buyers with CoE - https://youtu.be/gcINUxDNS-c4. CoE with the Supply Chain - https://youtu.be/XKvctlL_6Hk5. The Challenges Ahead for CoE - https://youtu.be/SD57QAVgZBYIn this episode of the podcast series, Lee and Susie discuss the significant impact CoE has had on the coffee industry, particularly for coffee roasters.They discuss how rewarding farmers for high-quality coffee leads to a better consumer experience and loyal customers. The episode also highlights the importance of roasters telling the story behind the coffee, fostering genuine connections within the supply chain, and the role of CoE in advancing specialty coffee and bringing people together. Tune in for an insightful conversation about how CoE has shaped the coffee landscape over the decades.Connect with the Ace and Cup of Excellence teams here:https://cupofexcellence.org/https://allianceforcoffeeexcellence.org/‍ ‍••••••••••••••••••••••••••••••••Connect with Map It Forward here: Website | Instagram | Mailing list

It's often said that for e-commerce brands, the holiday season is the 5th quarter of the year. Sue Azari, e-commerce industry lead at AppsFlyer, joins Taylor Lobdell for a tactical breakdown of how the smartest e-commerce apps move from Q4 user acquisition to Q5 retention and remarketing. From UK and EMEA trends to global shifts in spend, Sue details why remarketing spend surges fivefold at the end of the year, how loyalty and personalization schemes actually drive a second purchase, and what makes non-organic installs disproportionately valuable for real app revenue. Referencing real examples from brands like Zara, H&M, Temu, and Shein, Sue lays out the structural shifts, practical tactics, and emerging risks facing every marketer trying to build durable, app-based revenue in a volatile global market.Key topics and questionsThe in-house consultant role at AppsFlyer and its cross-functional focusHow the UK's mature e-commerce market shapes global strategiesWhy Q5 matters, and how its install/revenue spike emergedWhen and why remarketing eclipses UA spendTactics for turning a Q4 buyer into a repeat customer in Q5Personalization, loyalty, and exclusive drops to drive frequencyUGC, influencer content, and AI tools for creative ideationWhat e-commerce needs to steal from gaming's diversified media mixWhy DSPs and Reddit remain underused in e-commercePaid–organic uplift: why half of installs deliver three-quarters of revenueHow to respond to high December CPMs and new market entrantsThe 70-20-10 rule for channel testingGlobal UA patterns: Android vs iOS, tariffs, rapid spend reallocationQR codes, in-store modes, and the app as a bridge to physical retailSegmentation: why abandon basket and uninstalled users matter mostStaying current in a market defined by privacy shifts and macro volatilityTimestamps(0:03) – Intro, Sue's cross-functional role and background(1:11) – UK and EMEA, market maturity, lessons, and cross-region strategy(2:52) – Defining Q5, why end-of-year cycles matter for apps and travel(4:10) – Black Friday: remarketing spend is five times UA at peak(5:03) – Tactics: loyalty, personalization, and getting to the second purchase(6:12) – Creative best practices, UGC, influencers, and new AI tools(7:02) – Diversifying media, DSPs, app-to-app installs, and what e-commerce misses(7:55) – Community and AI as emerging channels(9:13) – Paid–organic uplift, nearly three-quarters of revenue is non-organic(10:38) – Coping with high CPMs, moving spend, leaning on owned media(11:43) – Testing new channels; the 70-20-10 rule for risk(13:47) – Regional differences in UA: China, tariffs, and aggressive spend moves(17:00) – How Sue tracks trends, privacy changes, and new industry moves(17:32) – Temu/Shein: billion-dollar UA, loyalty pivots, and physical store expansions(19:42) – QR codes, attribution, and bridging digital and physical with apps(20:51) – Retargeting segments: abandon basket and uninstalled users(21:46) – Lightning round: favorite channels, brands, tactics, and London recommendationsSelected quotes(4:13) – “When we look at spend, remarketing spend is five times that of UA for e-commerce apps during the end of Q4.”(10:06) – “Nearly three quarters of purchase revenue comes from non-organic sources. Users are much more likely to buy something if they've been driven to the app by a particular marketing campaign.”(21:01) – “Abandoned baskets are my primary focus for remarketing, because 70% of users who install an e-commerce app will abandon their basket. The other one that I think is not as commonly done, but I think it's very valuable, is remarketing to uninstalled users.”Mentioned in this episodeAppsFlyerSue Azari on Linkedin

Interested in our business advisory services for your small, medium, or large business across the coffee value chain? All services come with a 100% money-back guarantee.Email us here: support@mapitforward.org••••••••••••••••••••••••••••••••This is the 3rd episode of a 5-part podcast series with Susie Spindler on The Daily Coffee Pro Podcast by Map It Forward, hosted by Lee Safar.Susie is the co-founder of Cup of Excellence (CoE) and the founder of Alliance for Coffee Excellence (ACE).The focus of this podcast series is the impact that CoE has had on the coffee industry since its establishment.The five episodes in this series are:1. Forming Cup of Excellence - https://youtu.be/LcldGKtEF5w2. Cup of Excellence's Impact at Origin - https://youtu.be/Iq0rIgyl4Rw3. The Role of Buyers with CoE - https://youtu.be/gcINUxDNS-c4. CoE with the Supply Chain - https://youtu.be/XKvctlL_6Hk5. The Challenges Ahead for CoE - https://youtu.be/SD57QAVgZBYIn this episode of the podcast series, Lee and Susie discuss the significant impact CoE has had on the coffee industry, particularly for coffee roasters.They discuss how rewarding farmers for high-quality coffee leads to a better consumer experience and loyal customers. The episode also highlights the importance of roasters telling the story behind the coffee, fostering genuine connections within the supply chain, and the role of CoE in advancing specialty coffee and bringing people together. Tune in for an insightful conversation about how CoE has shaped the coffee landscape over the decades.Connect with the Ace and Cup of Excellence teams here:https://cupofexcellence.org/https://allianceforcoffeeexcellence.org/ ••••••••••••••••••••••••••••••••Connect with Map It Forward here: Website | Instagram | Mailing list

Trump is pressed by Fox News on his latest policies in a new interview. Jon Stewart attacks Democrats for caving during the shutdown fight. Mike Johnson calls the Epstein Files vote “moot” as Ghislaine Maxwell asks for commutation. Trump and Marjorie Greene's feud begins. Dr. Oz pretends Trump has a healthcare plan.  Host: John Iadarola (@johniadarola) Co-Host: Jackson White ***** SUBSCRIBE on YOUTUBE TIKTOK  ☞        https://www.tiktok.com/@thedamagereport INSTAGRAM  ☞   https://www.instagram.com/thedamagereport TWITTER  ☞         https://twitter.com/TheDamageReport FACEBOOK  ☞     https://www.facebook.com/TheDamageReportTYT

"Future-Proofing Your Coffee Business: Planning for 2026 and Beyond" - A Map It Forward Live Workshop for Small to Medium Business Owners Across the Coffee Supply Chain with Lee Safar https://mapitforward.coffee/workshops••••••••••••••••••••••••••••••••••This is the 2nd episode of a 5-part podcast series with Susie Spindler on The Daily Coffee Pro Podcast by Map It Forward, hosted by Lee Safar.Susie is the co-founder of Cup of Excellence (CoE) and the founder of Alliance for Coffee Excellence (ACE).The focus of this podcast series is the impact that CoE has had on the coffee industry since its establishment.The five episodes in this series are:1. Forming Cup of Excellence - https://youtu.be/LcldGKtEF5w2. Cup of Excellence's Impact at Origin - https://youtu.be/Iq0rIgyl4Rw3. The Role of Buyers with CoE - https://youtu.be/gcINUxDNS-c4. CoE with the Supply Chain - https://youtu.be/XKvctlL_6Hk5. The Challenges Ahead for CoE - https://youtu.be/SD57QAVgZBYIn this episode of the podcast series, Lee talks with Susie about the significant impact the Cup of Excellence has had on coffee farmers at origin. They discuss the transition from blended coffees to recognizing high-quality individual lots, how CoE competitions lead to increased premiums and long-term relationships between farmers and roasters, and the indirect benefits that have revolutionized local coffee industries. They also touch on CoE's rigorous, blind-judged process and the inner workings of national and international juries. Learn more about how innovative practices in farming are rewarded and how CoE has contributed to substantial economic development in coffee-producing regions.Connect with the Ace and Cup of Excellence teams here:https://cupofexcellence.org/https://allianceforcoffeeexcellence.org/‍ ‍••••••••••••••••••••••••••••••••Connect with Map It Forward here: Website | Instagram | Mailing list

What factors make for a “Don't Mess This Up” opportunity versus a “Buyer Beware” opportunity? This episode speaks to the buyers out there, helping to identify the differences between the right and wrong practice opportunity. Tune in as we take a look at the financials, doctor work, real estate, location and other aspects to consider as you explore different opportunities. This episode originally aired May 18, 2022.

"Future-Proofing Your Coffee Business: Planning for 2026 and Beyond" - A Map It Forward Live Workshop for Small to Medium Business Owners Across the Coffee Supply Chain with Lee Safar https://mapitforward.coffee/workshops••••••••••••••••••••••••••••••••This is the 2nd episode of a 5-part podcast series with Susie Spindler on The Daily Coffee Pro Podcast by Map It Forward, hosted by Lee Safar.Susie is the co-founder of Cup of Excellence (CoE) and the founder of Alliance for Coffee Excellence (ACE).The focus of this podcast series is the impact that CoE has had on the coffee industry since its establishment.The five episodes in this series are:1. Forming Cup of Excellence - https://youtu.be/LcldGKtEF5w2. Cup of Excellence's Impact at Origin - https://youtu.be/Iq0rIgyl4Rw3. The Role of Buyers with CoE - https://youtu.be/gcINUxDNS-c4. CoE with the Supply Chain - https://youtu.be/XKvctlL_6Hk5. The Challenges Ahead for CoE - https://youtu.be/SD57QAVgZBYIn this episode of the podcast series, Lee talks with Susie about the significant impact the Cup of Excellence has had on coffee farmers at origin. They discuss the transition from blended coffees to recognizing high-quality individual lots, how CoE competitions lead to increased premiums and long-term relationships between farmers and roasters, and the indirect benefits that have revolutionized local coffee industries. They also touch on CoE's rigorous, blind-judged process and the inner workings of national and international juries. Learn more about how innovative practices in farming are rewarded and how CoE has contributed to substantial economic development in coffee-producing regions.Connect with the Ace and Cup of Excellence teams here:https://cupofexcellence.org/https://allianceforcoffeeexcellence.org/ ••••••••••••••••••••••••••••••••Connect with Map It Forward here: Website | Instagram | Mailing list

We've all heard the horror stories: buyers showing up to closing short on cash, or sellers shocked at their proceeds. Yikes. The truth? These moments don't have to happen — not if you're consistently using buyer cost sheets & seller net sheets. In this episode, we're breaking down exactly how we use these powerful tools with our clients to build trust, confidence, and calm. And here's the good news: it's not complicated, it's just math + mindset. We're talking through every single line item on a net sheet, what to include, when to deliver it, and how to tailor it to each unique buyer or seller situation. Whether you're a seasoned agent or brand new to real estate, this episode will help you become more confident when talking about money — and ultimately give your clients the clarity they deserve.     Here's what we cover in this episode: How to create a seller net sheet that builds trust Using cost sheets with buyers to avoid surprise expenses What to do when a seller doesn't understand closing costs Smart strategies for buyer offers based on actual numbers Handling contingent clients with dual net/cost sheets Becoming fluent and confident with money conversations Key Quotes & Takeaways "If your client is surprised at closing, you haven't done your job." — Alissa "We use net sheets to keep our sellers grounded — and focused on the bottom line." — Katy "Every offer gets a net sheet. That's how we avoid emotional chaos." — Alissa "A buyer cost sheet shows them what's real — not just what they 'hope' it costs." — Katy "Don't avoid money conversations. That's where your value really shines." — Alissa Products, People & Previous Episodes Mentioned: Episode 232: Buyer Brokerage: How To Episode 295: Why Buyer Agents Struggle to Get Paid Agent Systems 101 Email Templates 101 Want to toast someone on the show? Send us a voice or video message with your name, who you're toasting, and why! Email it to team@hustlehumblypodcast.com. Leave us a review at ratethispodcast.com/hustlehumbly Get your FREE Database Template  Email Templates 101: emailtemplates101.com Build Your Own Business 101: hustlehumblypodcast.com/byob Agent Systems 101: agentsystems101.com All Resources: hustlehumblypodcast.com Submit your topic ideas and toasts to team@hustlehumblypodcast.com   Music: Straight A's by Connor Price The Good Life by Summer Kennedy  

There's a new buzz in South Florida's housing market — and it's coming from New York. After the election of progressive Democrat Zohran Mamdani, Florida agents are reporting a spike in calls from high-income New Yorkers exploring a move south. In this episode, Kathy Fettke breaks down what's being called "The Mamdani Effect" — how political shifts, higher taxes, and housing policy changes could drive new demand for Florida real estate. JOIN RealWealth® FOR FREE https://realwealth.com/join-step-1  FOLLOW OUR PODCASTS Real Wealth Show: Real Estate Investing Podcast https://link.chtbl.com/RWS SOURCE: https://www.nytimes.com/2025/11/05/us/south-florida-real-estate-mamdani.html  

From 'Play Tessie' (subscribe here): Gordo, Sammy, and Pat get into the tough conversation of the Red Sox having to trade one of their outfielders. Why is Jarren Duran the likely candidate to be dealt from their surplus and could the Sox check another box by getting a number two starter in return? Also, everything about this offseason will have the impending lockout in 2027 factored into it. And, the guys share the one free agent they don't want the Sox to have anything to do with. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Fearless Agent Coach & Founder Bob Loeffler shares some books to read with insights on topics and how it's making his Fearless Agent Coaching Students rich! Fearless Agent Coaching is the Highest Results Producing Real Estate Sales Training and Coaching Program in the Industry and we can prove it will work for you if it's a good fit! Call us today at 480-385-8810 to see if it may be  good fit for you! Telephone Prospecting for Realtors means Cold Calling, Door knocking, Calling for Sale By Owners, Calling Expired Listings, Calling your Sphere of Influence, Farming, Holding Open Houses, but Fearless Agent Coaching Students di all of these completely differently and get massively better results! Find out how! Listen in each week as Bob gives an overview and explains the big ideas behind making big money as a Fearless Agent! If you are earning less selling real estate than you wish you were, and you're open to the idea of having some help, We are here for you! You will never again be in a money making situation with a Buyer, Seller or Investor and not have the right words! You will be very confident! You will be a Fearless Agent! Call Bob anytime for more information about Fearless Agent Coaching for Agents, Fearless Agent Recruiting Training for Broker/Owners, or hiring Bob as a Speaker for your next Event! Call today 480-385-8810 - or go to https://fearlessagent.com Telephone Prospecting for Realtors means Cold Calling, Door knocking, Calling for Sale By Owners, Calling Expired Listings, Calling your Sphere of Influence, Farming, Holding Open Houses, Spin Selling, but Fearless Agent Coaching Students do all of these completely differently and get massively better results! Find out how! Are You an Owner of a Real Estate Company - need help Recruiting Producing Agents - Call today! 480-385-8810 and go to FearlessAgentRecruiting.com and watch our Recruiting Video Real Estate Coaching training Real estate training real estate coaching real estate speaker real estate coach real estate sales sales training realtor realtor training realtor coach realtor coaching realtor sales coaching realtor recruiting real estate agent real estate broker realtor prospecting real estate prospecting prospecting for listings calling expired listings calling for sale by owners realtor success Best Realtor Coach Best Real Estate Coach Spin SellingSupport the show: https://fearlessagent.comSee omnystudio.com/listener for privacy information.

This week on Make It Happen Mondays, John sits down with Rory Sadler, Co-founder and CEO of trumpet, the leading digital sales room platform helping companies like Gong, HubSpot, and Personio increase sales velocity by transforming the buying experience.Before founding trumpet, Rory spent years on the front lines of SaaS sales—first as an individual contributor, then leading global teams at Hotjar. Along the way, he saw firsthand just how painful and chaotic buying software had become—and made it his mission to fix it.In this episode, Rory shares the aha moment that led to building trumpet, his early entrepreneurial grit (selling sweets and DJing as a teen), and why entrepreneurship is way different than just working at a startup. We also dive into:Why buyer enablement is the new sales enablementHow mutual action plans build real trust and alignmentWhat sellers are still getting wrong about personalizationThe massive opportunity in simplifying complex buying decisionsIf you're in sales, RevOps, or just care about delivering a smoother, faster, and more human buying experience, this episode will hit home.Are you interested in leveling up your sales skills and staying relevant in today's AI-driven landscape? Visit www.jbarrows.com and let's Make It Happen together!Connect with John on LinkedIn: https://www.linkedin.com/in/johnbarrows/Connect with John on IG: https://www.instagram.com/johnmbarrows/Check out John's Membership: https://go.jbarrows.com/pages/individual-membership?ref=3edab1 Join John's Newsletter: https://www.jbarrows.com/newsletterConnect with Rory on LinkedIn: https://www.linkedin.com/in/rory-sadler-trumpet/ Connect with Trumpet on LinkedIn: https://www.linkedin.com/company/sendtrumpet/Check out Rory's Website: https://www.sendtrumpet.com/

On this solo episode:Stacey explains that people rarely say “no” because of price or logic; they say no because their brains don't feel safe enough to say yes. Key Takeaways:-Sales isn't logical. Sales is biological.-Confused minds don't buy.-Certainty is contagious.Tweetable Quotes:"When the nervous system relaxes, their wallets can open because the brain finally says it's safe to move forward." -Stacey O'Byrne"Closing isn't about getting someone to say yes; it's about helping them feel ready to say yes." -Stacey O'Byrne"Your job isn't to fix the buyer; it's to fix the environment. Remove the risk. Build safety. Replace pressure with curiosity." -Stacey O'ByrneResources: Instagram: @pivotpointadvantageFree Strategy Session: text Success to 646.495.9867Schedule a 15-minute call with Stacey: http://pivotpointadvantage.com/talktostaceyIf you're ready to take yourself and your business to the next level and are interested in a coaching program that will get you there check out: http://pivotpointadvantage.com/iwantsuccess Join an interactive environment to help you build the success you've always wanted with other like-minded, success-driven entrepreneurs, business owners, and sales professionals: https://facebook.com/groups/sellwithoutselling

Building B2B analytics and AI tools that people will actually pay for and use is hard. The reality is, your product won't deliver ROI if no one's using it. That's why first principles thinking says you have to solve the usage problem first. In this episode, I'll explain why the key to user adoption is designing with the flow of work—building your solution around the natural workflows of your users to minimize the behavior changes you're asking them to make. When users clearly see the value in your product, it becomes easier to sell and removes many product-related blockers along the way. We'll explore how product design impacts sales, the difference between buyers and users in enterprise contexts, and why challenging the “data/AI-first” mindset is essential. I'll also share practical ways to align features with user needs, reduce friction, and drive long-term adoption and impact. If you're ready to move beyond the dashboard and start building products that truly fit the way people work, this episode is for you.   Highlights/Skip to:  The core argument: why solving for user adoption first helps demonstrate ROI and facilitate sales in B2B analytics and AI products  (1:34) How showing the value to actual end users—not just buyers—makes it easier to sell your product (2:33) Why designing for outcomes instead of outputs (dashboards, etc) leads to better adoption and long-term product value (8:16) How to “see” beyond users' surface-level feature requests and solutions so you can solve for the actual, unspoken need—leading to an indispensable product (10:23) Reframing feature requests as design-actionable problems (12:07)  Solving for unspoken needs vs. customer-requested features and functions (15:51) Why “disruption” is the wrong approach for product development (21:19)   Quotes:  “Customers' tolerance for poorly designed B2B software has decreased significantly over the last decade. People now expect enterprise tools to function as smoothly and intuitively as the consumer apps they use every day.  Clunky software that slows down workflows is no longer acceptable, regardless of the data it provides. If your product frustrates users or requires extra effort to achieve results, adoption will suffer. Even the most powerful AI or analytics engine cannot compensate for a confusing or poorly structured interface. Enterprises now demand experiences that are seamless, efficient, and aligned with real workflows.    This shift means that product design is no longer a secondary consideration; it is critical to commercial success.  Founders and product leaders must prioritize usability, clarity, and delight in every interaction. Software that is difficult to use increases the risk of churn, lengthens sales cycles, and diminishes perceived value. Products must anticipate user needs and deliver solutions that integrate naturally into existing workflows.  The companies that succeed are the ones that treat user experience as a strategic differentiator. Ignoring this trend creates friction, frustration, and missed opportunities for adoption and revenue growth. Design quality is now inseparable from product value and market competitiveness.  The message is clear: if you want your product to be adopted, retain customers, and win in the market, UX must be central to your strategy.” —   “No user really wants to ‘check a dashboard' or use a feature for its own sake. Dashboards, charts, and tables are outputs, not solutions. What users care about is completing their tasks, solving their problems, and achieving meaningful results.  Designing around workflows rather than features ensures your product is indispensable. A workflow-first approach maps your solution to the actual tasks users perform in the real world.  When we understand the jobs users need to accomplish, we can build products that deliver real value and remove friction. Focusing solely on features or data can create bloated products that users ignore or struggle to use.  Outputs are meaningless if they do not fit into the context of a user's work. The key is to translate user needs into actionable workflows and design every element to support those flows.  This approach reduces cognitive load, improves adoption, and ensures the product's ROI is realized. It also allows you to anticipate challenges and design solutions that make workflows smoother, faster, and more efficient.  By centering design on actual tasks rather than arbitrary metrics, your product becomes a tool users can't imagine living without. Workflow-focused design directly ties to measurable outcomes for both end users and buyers. It shifts the conversation from features to value, making adoption, satisfaction, and revenue more predictable.” — “Just because a product is built with AI or powerful data capabilities doesn't mean anyone will adopt it. Long-term value comes from designing solutions that users cannot live without. It's about creating experiences that take people from frustration to satisfaction to delight.  Products must fit into users' natural workflows and improve their performance, efficiency, and outcomes. Buyers' perceived ROI is closely tied to meaningful adoption by end users. If users struggle, churn rises, and financial impact is diminished, regardless of technical sophistication.  Designing for delight ensures that the product becomes a positive force in the user's daily work. It strengthens engagement, reduces friction, and builds customer loyalty.  High-quality UX allows the product to demonstrate value automatically, without constant explanations or hand-holding. Delightful experiences encourage advocacy, referrals, and easier future sales.  The real power of design lies in aligning technical capabilities with human behavior and workflow.  When done correctly, this approach transforms a tool into an indispensable part of the user's job and a demonstrable asset for the business.  Focusing on usability, satisfaction, and delight creates long-term adoption and retention, which is the ultimate measure of product success.” — “Your product should enter the user's work stream like a raft on a river, moving in the same direction as their workflow. Users should not have to fight the current or stop their flow to use your tool.  Introducing friction or requiring users to change their behavior increases risk, even if the product delivers ROI. The more naturally your product aligns with existing workflows, the easier it is to adopt and the more likely it is to be retained.  Products that feel intuitive and effortless become indispensable, reducing conversations about usability during demos. By matching the flow of work, your solution improves satisfaction, accelerates adoption, and enhances perceived value.  Disrupting workflows without careful observation can create new problems, frustrate users, and slow down sales. The goal is to move users from frustration to satisfaction to delight, all while achieving the intended outcomes.  Designing with the flow of work ensures that every feature, interface element, and interaction fits seamlessly into the tasks users already perform. It allows users to focus on value instead of figuring out how to use the product.  This alignment is key to unlocking adoption, retaining customers, and building long-term loyalty.  Products that resist the natural workflow may demonstrate ROI on paper but fail in practice due to friction and low engagement.  Success requires designing a product that supports the user's journey downstream without interruption or extra effort.  When you achieve this, adoption becomes easier, sales conversations smoother, and long-term retention higher.” —

Bill Diggons, managing partner at Qittitut Consulting (yes, named after a fast-growing, healthy Inuit bear), shares 24 years of pricing wisdom earned across 182 projects in 57 countries. A disciple of pricing legend Tom Nagle and former oil industry marketer at Schlumberger and Halliburton, Bill reveals why single-column bids are leaving 3-5 margin points on the table and how tiering transforms B2B pricing. From Wagyu beef pricing psychology to semiconductor de-specification strategies, Bill and Mark debate whether prices should be easy or hard to compare, why "Boss Hog" beats techno-nerd names, and the counterintuitive power of ending prices in odd numbers instead of zeros. Plus, why Bill charges $5,000 extra just to read client contracts.   Why you have to check out today's podcast: Discover why tiering consistently delivers 3-5 margin points minimum—and how three-column bids with strategic naming force buyers to make trade-offs instead of price comparisons. Learn the "no zeros" pricing rule that generated $8 million in three months by making prices look carefully calculated rather than negotiable. Master the art of non-compliant RFP responses with alternatives that disrupt tender processes and win on value instead of lowest price.   "Not profound, but no zeros on the quote. It's so often that we can get half a margin point just out of stuff like that. And then beyond that, try some naming and tiering because it's going to work for you." – Bill Diggons   Topics Covered: 02:09 - The Qittitut Origin Story: Why a Dancing Bear Beat "Bill & Bob's Consulting". 05:39 - What is Tiering? Moving Beyond Single-Column Bids. 10:07 - The Restaurant Menu Masterclass and Boss Hog's Emotional Appeal - How to Decide What Features Go in What Tiers. 19:02 - Responding to RFPs with Tiered Alternatives and Non-Compliant Bids. 20:02 - The Power of "Networking Best Practices Meeting" vs. "Presentation". 26:23 - Final Advice: No Zeros on the Quote (And Why It Generated $8 Million). 28:12 - Contacting Bill and Why He Charges $5,000 to Read Contracts.   Key Takeaways: "Tiering to me is having at least a three-column bid, naming the columns, and then having some names on the products or services to imply added value. Whenever we've introduced this, it always results in three to five margin points minimum." - Bill Diggons "I demand the right to segment that price to the outcome, the value the buyer gets. Even though the variable cost of the motor is identical, I want to be able to sell it at an economy price in a benign environment and at a premium price in an extreme environment because I put billions of dollars into creating this thing." - Bill Diggons   People / Resources Mentioned: Tom Nagle: Author of "Strategy and Tactics of Pricing" - pricing authority who transformed Bill's approach in oil and gas. Schlumberger: Oil company where Bill worked in marketing. Halliburton: Oil company in Bill's background. QSales: Where Bill was practice leader for 20 years. A.T. Kearney, McKinsey, Deloitte: Consulting firms mentioned in the RFP rejection story where Bill's price was "too low". Starbucks: Referenced for tall, grande, venti tiering strategy. iPhone/Apple: Used as two examples - 99-cent pricing psychology AND customers not comparing to Huawei when upgrading. Huawei: Mentioned as iPhone competitor that iPhone users ignore when upgrading.   Connect with Bill Diggons: Company: https://www.qittitut.com/  Linkedin: https://www.linkedin.com/in/billdiggons/  Email: bill@qittitut.com   Connect with Mark Stiving: LinkedIn: https://www.linkedin.com/in/stiving/ Email: mark@impactpricing.com  

Do you lose control when a seller wants to overprice? This episode is a masterclass in real estate objection handling. We give you the exact listing presentation scripts for how to handle pricing objections and get the signature. This Real Estate Roleplay will show you how to lead the conversation with confidence.We've all been there. You've spent an hour building rapport and presenting a perfect Listing Presentation, and then the seller hits you with an objection that stops you cold: "I think my house is worth more," or "Let us think about it."In this exclusive coaching call, you'll see a live demonstration of how to handle seller objections without confrontation. This isn't about arguing; it's about leading the seller to the right conclusion. These advanced Real Estate Scripts are designed for the moments that matter most, helping you secure the listing right then and there.You will learn: ✅ The "Neighbor Tested The Market" Script: A powerful, non-confrontational way to use data and prove why overpricing is a mistake their neighbor already made.✅ The "Buyer's Lens" Technique: A simple reframing script that instantly shifts the seller's perspective from "my price" to "what a buyer will pay."✅ The "24 Hour Cancellation" Close: Master the 24 hour cancellation clause listing script. This is the ultimate tool to overcome last-minute hesitation and close the listing before you leave.✅ Handling the "My House is Better" Objection: Get the exact words to validate the seller's feelings while still guiding them back to the market-proven data.Stop letting sellers dictate the price. This episode is your new playbook for how to handle pricing objections, establish your authority, and walk away with the signed contract every time.

This episode is brought to you by Arkena Coffee Marketplace - Connecting you to the next coffee harvest in Ethiopia through direct trade.https://arkenacoffee.com/https://www.instagram.com/arkenacoffee/Email: hello@arkenacoffee.com••••••••••••••••••••••••••••••••••This is the first episode of a 5-part podcast series with Susie Spindler on The Daily Coffee Pro Podcast by Map It Forward, hosted by Lee Safar.Susie is the co-founder of Cup of Excellence (CoE) and the founder of Alliance for Coffee Excellence (ACE).The focus of this podcast series is the impact that CoE has had on the coffee industry since its establishment.The five episodes in this series are:1. Forming Cup of Excellence - https://youtu.be/LcldGKtEF5w2. Cup of Excellence's Impact at Origin - https://youtu.be/Iq0rIgyl4Rw3. The Role of Buyers with CoE - https://youtu.be/gcINUxDNS-c4. CoE with the Supply Chain - https://youtu.be/XKvctlL_6Hk5. The Challenges Ahead for CoE - https://youtu.be/SD57QAVgZBYIn this episode of the podcast series, Lee and Susie discuss the CoE program's inception and its transformative impact on the specialty coffee industry. Susie shares fascinating insights into the early days of CoE, including the initial competitions, challenges overcome, and how the platform helped discover unknown high-quality coffees. The conversation also delves into how CoE fostered transparency and direct trade between coffee farmers and global roasters, offering unprecedented recognition and premiums to small-scale farmers.Connect with the Ace and Cup of Excellence teams here:https://cupofexcellence.org/ https://allianceforcoffeeexcellence.org/‍ ‍••••••••••••••••••••••••••••••••Connect with Map It Forward here: Website | Instagram | Mailing list

Joe Mazzola with Charles Schwab goes in-depth on the firm's October 2025 STAX report, which showed yet another tick higher. He says the report reinforced a dip-buying mentality, especially in Mag 7 and high-beta names like Nvidia (NVDA), Meta Platforms (META), and Palantir (PLTR). Among the stocks that sold the most: AMD Inc. (AMD), Tesla (TSLA), and Eli Lilly (LLY). Joe also talks about the divergence in investment strategies between Gen X and Gen Z, and how the prior demonstrated more risk-taking appetite.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Does your marketing feel cluttered, chaotic, or disconnected? In this episode of Doing Business Like a Woman, Melissa walks you through a simple 3-step process to declutter your marketing and clarify what's really moving the needle in your business. You'll learn how to simplify your strategy, track what matters, and focus on the marketing activities that actually create sales opportunities so you can scale with clarity. Inside, Melissa shares: — Why cluttered marketing = inconsistent results— The 3 questions that clarify your marketing plan— How to reverse-engineer your client journey— Why audience growth directly drives revenue— A powerful mindset shift about marketing metrics and results By the end of this episode, you'll walk away with a clear, simplified plan on how to reconnect, refocus, and take the next steps to scale your business. Timestamps: 00:00 – Welcome and tech hiccups01:00 – What “clutter” really means in your marketing04:00 – The Oxford definition of clutter (and how it applies to your plan)07:00 – Step 1: Take inventory of all marketing activities08:45 – Step 2: Evaluate — what's working, what's not, what are you learning?12:30 – Metrics that matter vs. vanity metrics14:30 – What data should actually guide your decisions15:30 – Audience growth = revenue growth17:00 – Buyers want relationship before revenue18:00 – Step 3: Decide what to keep, simplify, or stop doing20:00 – 1:1 strategy session invitation21:00 – What's coming next week on the podcast Stay Connected:

Send us a textEmail Lennie at lennielawson2020@gmail.com

This episode is brought to you by Arkena Coffee Marketplace - Connecting you to the next coffee harvest in Ethiopia through direct trade.https://arkenacoffee.com/https://www.instagram.com/arkenacoffee/Email: hello@arkenacoffee.com••••••••••••••••••••••••••••••••This is the first episode of a 5-part podcast series with Susie Spindler on The Daily Coffee Pro Podcast by Map It Forward, hosted by Lee Safar.Susie is the co-founder of Cup of Excellence (CoE) and the founder of Alliance for Coffee Excellence (ACE).The focus of this podcast series is the impact that CoE has had on the coffee industry since its establishment.The five episodes in this series are:1. Forming Cup of Excellence - https://youtu.be/LcldGKtEF5w2. Cup of Excellence's Impact at Origin - https://youtu.be/Iq0rIgyl4Rw3. The Role of Buyers with CoE - https://youtu.be/gcINUxDNS-c4. CoE with the Supply Chain - https://youtu.be/XKvctlL_6Hk5. The Challenges Ahead for CoE - https://youtu.be/SD57QAVgZBYIn this episode of the podcast series, Lee and Susie discuss the CoE program's inception and its transformative impact on the specialty coffee industry. Susie shares fascinating insights into the early days of CoE, including the initial competitions, challenges overcome, and how the platform helped discover unknown high-quality coffees. The conversation also delves into how CoE fostered transparency and direct trade between coffee farmers and global roasters, offering unprecedented recognition and premiums to small-scale farmers.Connect with the Ace and Cup of Excellence teams here:https://cupofexcellence.org/ https://allianceforcoffeeexcellence.org/ ••••••••••••••••••••••••••••••••Connect with Map It Forward here: Website | Instagram | Mailing list

On a recent visit to Heartland Lodge in Illinois, I cornered the new-ish owner Tim Duoos, and communications manager Zach Jumps and peppered them with questions about the facility. From how they earned an Orvis endorsement, to maintaining great habitat, we'll get the lowdown from an insider's perspective. We also dig into how we should shop for, and what our expectations should be from, a hunting lodge. Whether you're heading for an entry-level preserve or planning for the trip-of-a-lifetime, you'll be better prepared after our talk. Insider editions are brought to you by CableGangz tie-out systems and Heartland Lodge, where you'll get special freebies and gifts for every booking (learn more here). [Take 10% off your next order at CableGangz.com with the promo code CG10.]

Chris Whalen, chairman of Whalen Global Advisors and author of The Institutional Risk Analyst blog, returns for an in-person conversation for episode 303. Whalen warns that stocks and crypto are slowing down as they run out of buyers, while real estate pain continues with older assets selling at discounts and more trouble ahead for private equity and private credit. He attributes Zohran Mamdani's NYC mayoral victory to inflation-driven affordability concerns, predicts a home price correction by 2027-28, and expects continued corporate exodus from New York City as long-term leases roll off. Whalen criticizes the Fed for pushing home prices up 50% since COVID and failing their mandate on price stability, discusses widespread fraud in private credit markets, and highlights Bank of America's duration risk mistakes compared to JPMorgan and Citi. He's currently focused on gold and junior mining stocks, explaining the "debasement trade" as central banks worldwide shift to gold as their primary reserve asset, while predicting crypto will "go bye-bye" and calling stablecoins a dead end.This episode is brought to you by VanEck. Learn more about the VanEck Rare Earth and Strategic Metals ETF: http://vaneck.com/REMXJuliaThis episode is brought to you by Monetary Metals. Learn more at https://monetary-metals.com/julia Links:    Twitter/X: https://twitter.com/rcwhalen    Website: https://www.rcwhalen.com/    The Institutional Risk Analyst: https://www.theinstitutionalriskanalyst.com/   Inflated book (2nd edition): https://www.barnesandnoble.com/w/inflated-r-christopher-whalen/1146303673Timestamps:0:00 - Welcome and introduction1:02 - Reaction to Mamdani election2:03 - Is this the product of inflation?2:10 - Inflation driving affordability issues, Fed's failure2:54 - Heading into correction in home prices by 2027-285:26 - How mortgage lenders set rates vs. bond market6:33 - Will we see a housing emergency declared?12:08 - Outlook for New York for next four years14:59 - Big picture view: stocks and crypto slowing down15:30 - Pain in real estate, private equity, and private credit20:37 - Duration risk story at banks27:47 - Will we get December rate cut?29:17 - Fed funds rate targeting piece32:49 - Chris's portfolio: taking acorns off the table35:59 - The debasement trade39:36 - Crypto going bye-bye, stable coins a dead end42:05 - Closing remarks

Did U.S. election night 2025 proved to be a blue wave? Or are Americans having buyers remorse? The host shares thoughts on election night including two big Mayoral races by two Puerto Ricans. As of this recording Americans are still dealing with the #governmentshutdown no SNAP benefits. #socialworkispolitical #mentalhealth #America #amerikka

Most proposals sound the same in the federal market.Great ones stand out because of clear Win Themes.A Win Theme ensures all of your activity leads to differentiating your company in a way buyers will value.In this training, you'll learn:• What are Win Themes• How Win Themes strengthen proposals sent to federal buyers• Simple framework you can follow to create your own Win Theme___________________________________

Federal buyers and teammates are stalking you online.They're trying to find you and decide if you're worth their time.This is called in-bound sales and counts for 99% of your business' growth.In this training, you'll learn:• Where federal buyers go to look you and your company up• What signals tell a federal buyer not to select you• Why teammates and buyers check you out before meeting___________________________________

It's crunch time for real estate investors — and this is your last chance to take advantage of Rent To Retirement's biggest end-of-year incentives ever!

Devon O'Reilly is back — now as a councilman-elect of the great city of Dearborn! After talking about the race and the experience, we get back into the groove on where we've been for coffee... plus: React to news that the owner of a giant downtown Detroit building has declared bankruptcy. Our worry? Buyers who don't actually have the access to cash to fix these places up, so they get stuck for years. Speculation on future use for the soon to be vacated Detroit intercity bus terminal on Howard Street And reacting to your listener feedback on Waymo coming to Detroit... which was overwhelmingly positive. Feedback as always - dailydetroit -at- gmail -dot- com or leave a voicemail 313-789-3211. Follow Daily Detroit on Apple Podcasts: https://podcasts.apple.com/us/podcast/daily-detroit/id1220563942 Or sign up for our newsletter: https://www.dailydetroit.com/newsletter/  

The Supreme Court's conservatives are horrified to discover that making Trump god king of tariffs may backfire. Too bad they didn't realize that two months ago, huh? Two courts in Chicago tell DHS goons to follow the Constitution. And Lindsey Halligan, insurance prosecutor to the stars, continues to be amazing.   Links:   The Situation: Where's The Lie? [Lawfare] https://www.lawfaremedia.org/article/the-situation--where-s-the-lie   US v. Comey https://www.courtlistener.com/docket/71459121/united-states-v-comey/?order_by=desc   US v. James https://www.courtlistener.com/docket/71601419/united-states-v-james/?order_by=desc   Moreno Gonzalez v. Noem [Broadview] https://www.courtlistener.com/docket/71832522/moreno-gonzalez-v-noem-secretary-us-department-of-homeland-security/?order_by=desc   Chicago Headline Club v. Noem https://www.courtlistener.com/docket/71559589/chicago-headline-club-v-noem/?order_by=desc   People of the State of New York v. Trump [Second Circuit] https://www.courtlistener.com/docket/69127181/people-of-the-state-of-new-york-v-trump/?order_by=desc   Texas Attorney General Ken Paxton Foiled in Scheme to Extend Texas Abortion Ban to New York https://msmagazine.com/2025/11/06/margaret-carpenter-shield-law-ken-paxton-letitia-james-abortion-pills-ban/   Tariff Case Oral Argument SCOTUS https://www.supremecourt.gov/oral_arguments/audio/2025/24-1287   Show Links: https://www.lawandchaospod.com/ BlueSky: @LawAndChaosPod Threads: @LawAndChaosPod Twitter: @LawAndChaosPod  

 Once an Owner decides to sell and lists the property with us, the marketing process begins. In this episode, we demonstrate the best way to prepare and then present the property offering to the Buyer pool to identify the  most probable buyers and create more offers.Eric J Christopher | WSC Realty Advisors Inc | 949-463-2787 eric.christopher@wsc-pm.com 

It's crunch time for real estate investors — and this is your last chance to take advantage of Rent To Retirement's biggest end-of-year incentives ever!

In this Mastermind session, we're joined by special guest Adam Scully, Regional Director with UQual (a FinTech mortgage platform). Watch the full video replay at: https://youtu.be/M8fLO8rXMo8Adam discusses ways to help interested buyers become loan-ready, even if they currently lack the financial qualifications. The session covers valuable tips on handling credit card debt, student loans, and budgeting. Discover effective follow-up techniques using AI tools like FastCashOffers.ai, and hear testimonies about the useful integrations and strategies that can revamp your real estate business. Additionally, new strategies for working with investors and building your real estate business are explored. Whether you're a seasoned agent or new to the field, this episode is packed with actionable insights and strategies to help you close more deals.Grab your FREE 30 day trial at: http://GrowWithJosh.com/ilistTimestamps:00:00 Introduction and Housekeeping02:36 Introducing Adam Scully and His Service04:53 Understanding the Market of Non-Applicants06:16 Technical Difficulties and Presentation Setup07:10 Dos and Don'ts of Credit Management10:50 Tools and Resources for Agents19:09 Q&A and Testimonials29:39 Keeping Clients Engaged and Motivated31:01 Effective Scripts for Client Communication32:10 Open Forum and Mastermind Session33:17 Success Stories and Strategies37:26 Leveraging Cash Offers and AI Tools39:00 Market Trends and Predictions41:51 Follow-Up Techniques and Best Practices45:41 Q&A and Final Thoughts

BlueRock is building an agentic security fabric to protect organizations deploying AI agents and MCP workflows. With a $25 Million Series A, founder Bob Tinker is tackling what he sees as a 10x larger opportunity than mobile's enterprise disruption. Bob previously scaled MobileIron from zero to $150 million in five years and took it public in 2014. In this episode of Category Visionaries, Bob shares the strategic mistakes that cost MobileIron its category positioning, why go-to-market fit is the missing framework between PMF and scale, and how B2B marketing has fundamentally transformed in just 18 months. Topics Discussed: Taking a company public: the killer marketing event versus the unexpected team psychology challenges of daily stock volatility Why agentic AI workflows create unprecedented security challenges at the action and data layer, not just prompts The strategic timing of category definition: MobileIron's cautionary tale of letting Gartner define you as "MDM" when customers bought for security Where enterprise buyers actually get advice now that Gartner's influence has diminished AEO (Answer Engine Optimization) replacing SEO as the primary discovery mechanism for B2B solutions Why 1.0 categories have fundamentally unclear ICPs versus 2.0/3.0 products with crisp buyer personas The "high urgency, low friction" framework for prioritizing what to build in nascent markets Go-to-market fit: the repeatable growth recipe that unlocks scaling post-PMF Unlearning as competitive advantage for second-time founders GTM Lessons For B2B Founders: Time your category noun definition strategically: MobileIron focused exclusively on solving the problem (the verb) but waited too long to influence category nomenclature. Gartner labeled it "Mobile Device Management" when customer purchase drivers were security-focused, not management. This misalignment constrained positioning for years with no way to correct it. The framework: lead with verb, but proactively shape the noun before external analysts do it for you. Bob's doing this differently at BlueRock by distinguishing "agentic action security" from "prompt security" early, even while the broader market sorts out AI security taxonomy. Use customer language as category discovery, not invention: Bob's breakthrough on BlueRock positioning came from asking prospects: "How would you describe what we do to your peers?" One prospect distinguished their focus on "the action side - taking AI and taking action on data and tools" versus prompt inspection and AI firewalls. This customer-generated framing revealed the natural fault lines in how practitioners think about the problem space. The tactical application: run this exact question with your first 10-15 qualified prospects and pattern-match their language, rather than workshopping category names internally. Engineer for the "high urgency, low friction" intersection: Bob's filtering criteria for BlueRock's roadmap requires both dimensions simultaneously. When a prospect revealed they were building their own MCP security tools - a signal of acute, unmet pain - they also asked BlueRock to add prompt security features. Bob's framework forced a "no" despite clear demand because it would violate low friction. The discipline: if a feature request fails either test (not urgent enough OR too much friction), it doesn't make the cut, even when prospects explicitly ask for it. Accept ICP ambiguity as a feature, not bug, of 1.0 markets: In 2.0/3.0 categories, you can target "VP of Detection & Response" with precision. In 1.0 markets like agentic security, Bob finds buyers across three distinct orgs: agentic development teams building secure-by-default systems, product security teams inside engineering (not under the CISO), and traditional security organizations. His thesis: this lack of crisp ICP definition is actually a reliable signal you're in a genuinely new market. The response: invest in community engagement across all three buyer types rather than forcing premature segmentation. Shift content strategy from SEO to AEO immediately: Bob identifies the clock speed of marketing change as "breathtaking" - what worked 18 months ago is obsolete. The specific shift: ranking above the fold in Google search is now irrelevant. What matters is appearing in the answer box that ChatGPT or Google Gemini surfaces above traditional results. This isn't incremental SEO optimization - it requires fundamentally restructuring content to feed LLM context windows and answer engines rather than keyword-optimizing for traditional search crawlers. Treat go-to-market fit as a distinct inflection point: Bob observed a consistent pattern across MobileIron, Box (Aaron Levie), Citrix (Mark Templeton), Palo Alto Networks (Mark McLaughlin), and SendGrid (Sameer Dholakia) - all hit PMF, hired salespeople aggressively, burned cash, and stalled growth while boards grew frustrated. The missing concept: PMF proves you can create value; GTM fit proves you can capture it repeatedly. It's the "repeatable growth recipe to find and win customers over and over again." The tactical implication: after PMF, resist pressure to scale headcount and instead obsess over making your first 3-5 sales cycles systematically repeatable before hiring your second AE. Build community as primary discovery in fragmented buyer markets: Bob's most different GTM motion versus five years ago: "We're just out talking to prospects and customers - individual reach outs, hitting people up on LinkedIn, posting in discussion boards, engaging with the community." This isn't supplemental to demand gen; it's replaced traditional top-of-funnel. When prospects exist across multiple personas without clear titles, community presence in Reddit, Stack Overflow, and LinkedIn becomes the only scalable discovery mechanism. The benchmark: successful new tech companies have built communities of early users before they've built repeatable sales motions. Practice systematic unlearning as second-time founder discipline: Bob's most personal insight: "What really got in my way wasn't what I needed to learn. It was what I needed to unlearn." The specific application: he's questioning his entire MobileIron marketing playbook because "blindly applying that eight-year-old playbook to marketing or sales will end in tears." His framework: periodic gut checks asking "What assumptions am I making? How should I think about this differently?" rather than letting inertia drive execution. The meta-lesson: success creates muscle memory that becomes liability without deliberate examination. Second-time founders should actively audit which reflexes to preserve versus discard. // Sponsors: Front Lines — We help B2B tech companies launch, manage, and grow podcasts that drive demand, awareness, and thought leadership. www.FrontLines.io The Global Talent Co. — We help tech startups find, vet, hire, pay, and retain amazing marketing talent that costs 50-70% less than the US & Europe. www.GlobalTalent.co // Don't Miss: New Podcast Series — How I Hire Senior GTM leaders share the tactical hiring frameworks they use to build winning revenue teams. Hosted by Andy Mowat, who scaled 4 unicorns from $10M to $100M+ ARR and launched Whispered to help executives find their next role.  Subscribe here: https://open.spotify.com/show/53yCHlPfLSMFimtv0riPyM

Zohran Mamdani's acceptance speech in New York City gave voters a clearer picture of who he really is. Will there be buyer's remorse? Hear from CNN's Van Jones and Scott Jennings. Michele Tafoya is a four-time Emmy award-winning sportscaster turned political and cultural commentator. Record-setting, four-time Sports Emmy Award winner Michele Tafoya worked her final NBC Sunday Night Football game at Super Bowl LVI on February 13, 2022, her fifth Super Bowl. She retired from sportscasting the following day. In total, she covered 327 games — the most national primetime TV games (regular + postseason) for an NFL sideline reporter. Learn More about “The Michele Tafoya Podcast” here: https://linktr.ee/micheletafoya Subscribe to “The Michele Tafoya Podcast” here: https://apple.co/3nPW221 Follow Michele on twitter: https://twitter.com/Michele_Tafoya Follow Michele on Instagram: https://www.instagram.com/realmicheletafoya/ Learn more about the Salem Podcast network: https://salempodcastnetwork.com/See omnystudio.com/listener for privacy information.

Ashley Bastock joined Nick and Jonathan on Afternoon Drive and shared her takeaways from the NFL trade deadline yesterday and explained why the Browns made minimal moves despite the reports. She also discussed Tommy Rees' new role as the play caller and what she expects to see from the Browns' offense when they face the Jets.

Zohran Mamdani's acceptance speech in New York City gave voters a clearer picture of who he really is. Will there be buyer's remorse? Hear from CNN's Van Jones and Scott Jennings. Michele Tafoya is a four-time Emmy award-winning sportscaster turned political and cultural commentator. Record-setting, four-time Sports Emmy Award winner Michele Tafoya worked her final NBC Sunday Night Football game at Super Bowl LVI on February 13, 2022, her fifth Super Bowl. She retired from sportscasting the following day. In total, she covered 327 games — the most national primetime TV games (regular + postseason) for an NFL sideline reporter. Learn More about “The Michele Tafoya Podcast” here: https://linktr.ee/micheletafoya Subscribe to “The Michele Tafoya Podcast” here: https://apple.co/3nPW221 Follow Michele on twitter: https://twitter.com/Michele_Tafoya Follow Michele on Instagram: https://www.instagram.com/realmicheletafoya/ Learn more about the Salem Podcast network: https://salempodcastnetwork.com/See omnystudio.com/listener for privacy information.

On this podcast, Jerry breaks down a legal battle with a buyer that resulted in a $100,000 settlement! Get all the details and lessons learned.This podcast was originally released on YouTube. Check out Jerry Norton's YouTube channel, with over 2,700 videos on all things wholesaling and flipping!  https://www.youtube.com/c/FlippingMasteryTVAbout Jerry Norton Jerry Norton went from digging holes for minimum wage in his mid 20's to becoming a millionaire by the age of 30. Today he's the nation's leading expert on flipping houses and has taught thousands of people how to live their dream lifestyle through real estate.    **NOTE: To Download any of Jerry's FREE training, tools, or resources… Click on the link provided and enter your email. The download is automatically emailed to you. If you don't see it, check your junk/spam folder, in case your email provider put it there. If you still don't see it, contact our support at: support@flippingmastery.com or (888) 958-3028.Get Access to Unlimited Free Property Searches and Downloads: https://flippingmastery.com/propwireWholesaling & House Flipping Software: https://flippingmastery.com/flipsterpodMake $10,000 Finding Deals: https://flippingmastery.com/10kpodGet 100% funding for your deals: https://flippingmastery.com/fspodMentoring Program: https://flippingmastery.com/ftpodFREE 8 Week Training Program: https://flippingmastery.com/8wpodGet Paid $8700 To Find Vacant Lots For Jerry: https://flippingmastery.com/lfpodFREE 30 Day Quickstart Kit https://flippingmastery.com/qkpodFREE Virtual Wholesaling Kit: https://flippingmastery.com/vfpodFREE On-Market Deal Finder Tool: https://flippingmastery.com/dcpodFREE Wholesaler Contracts: https://flippingmastery.com/wcpodFREE Comp Tool: https://flippingmastery.com/compodFREE Funding Kit: https://flippingmastery.com/fkpodFREE Agent Offer Sheet & Scripts: https://flippingmastery.com/aspodFREE Cash Buyer Scripts: https://flippingmastery.com/cbspodFREE Best Selling Wholesaling Ebook: https://flippingmastery.com/ebookpodFREE Best Selling Fix and Flip Ebook: https://flippingmastery.com/ebpodFREE Rehab Checklist: https://flippingmastery.com/rehabpod LET'S CONNECT! FACEBOOK http://www.Facebook.com/flippingmastery INSTAGRAM http://www.instagram.com/flippingmastery

The conversation delves into the psychology of buyers, emphasizing that individuals do not purchase solutions for problems they are unaware of. It highlights the importance of salespeople addressing the problems their products solve. Additionally, it explores the perception of value in purchases, illustrating how personal biases affect the way individuals view the cost of their own purchases versus those of others. 00:00:00 Cold Open 00:00:10 Title Sequence 00:00:30 Show Notes VO 00:01:15 Intro Into Interview 00:41:05 Outro

Unlock the ultimate marketing advantage with Tier 11's Creative Diversification Package! Get 30 monthly deliverables,10 ad types, and access to the Tier 11 data suite. Available exclusively for 11 lucky businesses at: https://www.tiereleven.com/apply Are media buyers becoming obsolete? With Meta's Andromeda update and AI automating campaign optimization, most marketers are still stuck tweaking ads while missing the real levers that drive growth. If you're still relying on Ads Manager, you're already behind! In this episode, we break down why media buying alone won't cut it anymore. We discuss how AI is handling 80% of the heavy lifting and why your focus needs to shift to everything that happens after the click. From landing page congruency to email triage, customer reactivation, and how data flow impacts optimization, we share what agencies and brands must do to stay profitable. If you're managing campaigns or scaling a business, this one's for you!In This Episode:- Media buying and “after the click” opportunity- Funnels, offers, and landing page congruency - Redefining leads, opt-ins, and MQLs- Disqualifying bad leads and data hygiene - The role of growth strategist vs. media buyers- Why small marketing agencies are struggling- Shiny object syndrome vs. real business growth- Rethinking the customer journey to boost salesMentioned in the Episode: Andromeda Episodes: https://perpetualtraffic.com/?s=john+moran Episode 744: The Pros and Cons of Meta's New Advantage+ Creative Image Generator Tool: https://perpetualtraffic.com/podcast/episode-744-the-pros-and-cons-of-metas-new-advantage-creative-image-generator-tool/ Episode 743: Stop Pausing Winning Ads! Andromeda Ad Strategy That Changes Everything: https://perpetualtraffic.com/podcast/episode-743-stop-pausing-winning-ads-andromeda-ad-strategy-that-changes-everything/ Creative Diversification Playbook: https://perpetualtraffic.com/wp-content/uploads/2025/10/Creative-Diversification-Playbook-Practitioner-Guidance.pdf Marketing Performance Indicators Checklist: https://www.tiereleven.com/mpi Listen to This Episode on Your Favorite Podcast Channel:Follow and listen on Apple: https://podcasts.apple.com/us/podcast/perpetual-traffic/id1022441491 Follow and listen on Spotify:https://open.spotify.com/show/59lhtIWHw1XXsRmT5HBAuK Subscribe and watch on YouTube:

Mark and Lee Williams discus latest Second Amendment news and current events, including the gun grabbers now going after Ruger to cave in the wake of Glock's announcement of model changes apparently in reaction to CA and impending lawsuits. Not a good look. Expected reaction from these insidious liars in the gun control groups. More ATF lies in Adamiak case and non regulated items can get you in trouble? Summary The conversation delves into the moral implications of collecting items that may attract the attention of the ATF. It highlights the unpredictable nature of regulatory enforcement and the potential risks involved in such collections. Takeaways The moral dilemma of collecting potentially regulated items. The ATF has significant discretion in enforcement. Collecting items can open individuals up to scrutiny. Legality does not guarantee safety from regulatory action. The ATF can target anyone at their discretion. Understanding the risks involved in collecting is crucial. The conversation emphasizes the unpredictability of regulatory actions. Buyers should consider the implications of their purchases. The discussion reflects on the nature of legality versus enforcement. Awareness of the ATF's power is essential for collectors. Keywords ATF, moral dilemma, collecting, firearms, regulations, legality, discretion  

What's crackalackin Note Nation! Scott Carson here, your main man in the note game, and I'm stoked to drop some serious truth bombs on ya'll in this episode! Are you tired of getting outbid on those tapes? Do you want the secrets to finding note sellers that the joker brokers want to hide from you? I'm about to give you the keys to the note seller kingdom! Forget the textbooks, we're diving deep into the real-world strategies that'll have you swimming in deals before you can say "cash flow!"In this week's episode, Scott Carson unveils the insider strategies for finding note sellers, cutting out the middlemen, and scoring exclusive deals. He dives into the trenches of county records and online sleuthing, transforming you from a note-bidding newbie to a deal-finding ninja.Key Highlights:County Records Hacks: Ever wondered what those dusty old county records are good for? Scott shares his personal hacks for mining county records, and getting information about who's selling notes in your area. This goes beyond theory - it's real-world espionage for the note investing world.From Banker to Note Buyer: Scott tells stories from his time as a Chase banker. The first trick involved new DBA searches, going door to door to new businesses and providing business checking account services. How does he use that today? Tune in to find outDigging Deeper Than Anyone Else: Learn why saving every tape is essential to see what tapes have changed hands.Find sellers of notes: Don't let those pesky brokers clog up the machine and clog up your ability to make money. Scott will walk you through exactly how to connect with the actual seller of notes.Outbid? So what?: Scott talks about finding who the buyer is if your bids are not accepted and following up.Another episode down, another mountain of knowledge gained! Scott Carson just dropped a bomb of note seller wisdom and you would be a fool to not take it. So listen up, stop bidding on crap, and take action now! Tune in next week for more of Scott's knowledge and be one step closer to becoming a note investing mogul!Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes PinterestGet signed up for the Next Virtual Note Buying Workshop Now!

Are your deals taking longer to close lately? Economic uncertainty has created a perfect storm for B2B sellers. Deals that closed easily last year now stall indefinitely, buyers ghost after months of relationship building, and budget conversations end with requests for huge discounts.   The good news is that you're not doing anything wrong. However, the frustrating reality is that this pattern is playing out across industries as CFOs tighten their grip on every purchase decision, creating longer approval cycles and more complex buying committees.   If you want to stop getting ghosted and start closing deals again, this episode is your roadmap. Join Eleanor this week as she breaks down six data-backed economic insights that explain exactly why buyers are exercising extreme caution right now, and the four core strategies to keep your buyers buying through winter 2025/26.   Get full show notes and more information here: https://safimedia.co/WO74   Connect with Eleanor on LinkedIn or Instagram: https://www.linkedin.com/in/eleanorbeaton/ https://www.instagram.com/eleanorbeaton/?hl=en

(00:00) (17:07) AROUND THE NFL: Week 9 recap(31:45) Should the Patriots be buyers at the trade deadline?Please note: Timecodes may shift by a few minutes due to inserted ads. Because of copyright restrictions, portions—or entire segments—may not be included in the podcast.CONNECT WITH TOUCHER & HARDY: linktr.ee/ToucherandHardyFor the latest updates, visit the show page on 985thesportshub.com. Follow 98.5 The Sports Hub on Twitter, Facebook and Instagram. Watch the show every morning on YouTube, and subscribe to stay up-to-date with all the best moments from Boston's home for sports!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.