Podcasts about buyers

On today's show we are talking about a growing trend in the office market. This was reported last week in Urban Land Magazine.It seems that U.S. Office Tenants Are Becoming Buyers. Deep discounts, favorable financing, and long-term benefits are turning users into owners.-------------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1)   iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613)   Website: [www.victorjm.com](http://www.victorjm.com)   LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce)   YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734)   Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso)   Email: [podcast@victorjm.com](mailto:podcast@victorjm.com)  **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com)   Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital)   Instagram: [@ystreetcapital](http://www.instagram.com/ystreetcapital)  

MLB Network host Mike Ferrin joins OverDrive to discuss how the Jays should handle the trade deadline. Ferrin tells us who could be the biggest buyers with the deadline approaching, and he explains the consequences of introducing a salary cap in MLB

The Johnologue: The problem with bucket lists and the case for living in the moment // BRANDI KRUSE - Man found guilty in Island County mask mandate dispute // Buyer Plans to Eat 77-Year-Old Piece of Royal Wedding Cake

Episode 76: This week we give an update on the RX 9070 XT FineWine situation after some people called out Steve's testing. Also we look further into the mainstream GPU market, where typically buyers have not received a lot of love lately.CHAPTERS00:00 - Intro03:27 - AMD 9070 XT FineWine Situation27:01 - Further Thoughts on the RTX 505040:51 - Comparisons Between Mainstream GPUs Over the Years52:30 - Updates From Our Boring LivesSUBSCRIBE TO THE PODCASTAudio: https://shows.acast.com/the-hardware-unboxed-podcastVideo: https://www.youtube.com/channel/UCqT8Vb3jweH6_tj2SarErfwSUPPORT US DIRECTLYPatreon: https://www.patreon.com/hardwareunboxedLINKSYouTube: https://www.youtube.com/@Hardwareunboxed/Twitter: https://twitter.com/HardwareUnboxedBluesky: https://bsky.app/profile/hardwareunboxed.bsky.social Hosted on Acast. See acast.com/privacy for more information.

Wolf and Luke discuss how many games the Arizona Diamondbacks need to win before the trade deadline in order to be buyers and how much better the NFC West could be in 2025. 

(0:00) Milliken and McCarthy open The Baseball Hour with their opening takes on Alex Bregman and buying at the trade deadline. (15:44) How important has Ceddanne Rafaela become for this Red Sox team? (28:51) Should the Red Sox trade Jarren Duran at the trade deadline? (40:14) Milliken and McCarthy share their final thoughts on The Baseball Hour.

QFF: Quick Fire Friday – Your 20-Minute Growth Powerhouse!   Welcome to Quick Fire Friday, the Grow A Small Business podcast series that is designed to deliver simple, focused and actionable insights and key takeaways in less than 20 minutes a week.   Every Friday, we bring you business owners and experts who share their top strategies for growing yourself, your team and your small business. Get ready for a dose of inspiration, one action you can implement and quotable quotes that will stick with you long after the episode ends!   In this episode of Quick Fire Friday, host Rob Cameron speaks with Rai Hyde Cornell of Cornell Content Marketing reveals how to tap into buyer psychology, outsmart giant competitors, and win loyal clients—all without blowing your budget on ads. Discover how empathy-driven, long-term strategies can fill your pipeline for years, build unshakable trust, and turn your brand into the obvious choice. If you're ready to grow your market share the smart, sustainable way, this is the episode you can't afford to miss. Key Takeaways for Small Business Owners: Use buyer psychology: Understand what keeps your ideal customers up at night—even beyond what you sell — and craft marketing that speaks directly to their real problems.   Stop chasing quick wins: Ditch short-term campaigns that burn cash and energy. Invest in long-term demand generation that keeps paying you back year after year.   Get ahead of competitors early: Capture your audience before they're ready to buy, so when the time comes, you're already their favorite choice. Our hero crafts outstanding reviews following the experience of listening to our special guests. Are you the one we've been waiting for?   Be genuinely helpful: Create content and tools that solve multiple pain points for your audience, not just those tied to your product. Trust builds loyalty.   Empathize like crazy: Take time to imagine your buyers' hectic lives—step into their shoes. This will sharpen your messaging more than any funnel hack ever could.   Build brand relationships, not transactions: Focus on becoming a trusted advisor. When people know, like, and trust you, selling becomes almost effortless. One action small business owners can take: According to Rai Hyde Cornell, one action small business owners can take is to pause for 5-10 minutes, truly step into their buyer's shoes, and empathize with what their Monday looks like—because understanding their world is the secret to crafting irresistible marketing. Do you have 2 minutes every Friday? Sign up to the Weekly Leadership Email. It's free and we can help you to maximize your time. Enjoyed the podcast? Please leave a review on iTunes or your preferred platform. Your feedback helps more small business owners discover our podcast and embark on their business growth journey.

This week on Talking New York Real Estate, Vince discusses how international buyers continue to play a vital role in New York City's luxury real estate market, particularly in the new condo development sector. Despite global economic fluctuations and shifting visa policies, NYC remains a premier destination for overseas investors seeking stability, prestige, and long-term value. Neighborhoods like Billionaire's Row, Hudson Yards, Tribeca, and the Upper East Side remain perennial favorites due to their world-class architecture, top-tier amenities, and proximity to cultural and financial hubs. Featuring guests, Shlomi Reuveni, president and CEO of Reuveni Development Marketing, and Susan Greenfield, Senior Vice President, Managing Director at Brown Harris Stevens.     Filmed at Brown Harris Stevens' Studio 1873, Part of the Mastery of Real Estate (MORE) Network.     Subscribe: https://podcasts.apple.com/us/podcast/talking-new-york-real-estate-with-vince-rocco/id1645541166     Connect with Vince Rocco: https://www.bhsusa.com/real-estate-agent/vince-rocco     Connect with Steven Bailey at Roadway Moving:   steven@roadwaymoving.com   https://www.roadwaymoving.com/     Learn More About The Everset: https://theeverset.com/     Brown Harris Stevens is one of the largest privately owned real estate brokerages in the country, with more than 40 offices across four states: New York, New Jersey, Connecticut, and Florida.     https://bhsusa.com/     #realestatebuyers #nycrealestate #realestate #vincerocco #TNYRE #theeverset #roadwaymoving #newyorkrealestate #nyc

We're halfway through 2025, and there's plenty to talk about in the ranch real estate world. In this episode of the Land Bulletin, Haley and Ken sit down to take stock of the year so far and look ahead to what's coming. From surging inventory and standout listings to conservation easements, tax credits, and the impact of federal funding, they unpack the state of the land market. Tune in for a thoughtful, boots-on-the-ground review of ranch real estate in the Intermountain West—and hear why our producer is recruiting Ken might to be her travel guide to hidden gems across the region.Topics[0:00] Intro and Welcome Back, Ken![2:30] Market Overview: A Busy Start to 2025[8:30] Conservation Easements & Market Impacts[12:00] State vs. Federal Conservation Funding[17:00] Water, Wildfires, and Changing Landscapes[21:00] Advice for Buyers & Sellers in 2025[24:00] Final Thoughts: What's Ahead and What's Got Ken ExcitedNeed professional help finding, buying or selling a legacy ranch, contact us: Mirr Ranch Group 901 Acoma Street Denver, CO 80204 Phone: (303) 623-4545 https://www.MirrRanchGroup.com/

Inventory is up 31% causing 40% of sellers to cut their price. This is a positive sign for homebuyers as the housing market is shifting for the first time in years. In this episode we discuss what's currently happening the 2025 housing market while answering your mortgage and real estate questions LIVE!Start your stress-free loan journey todayJoin Rate Watch – we'll watch rates for youEmail: info@theeducatedhomebuyer.comConnect with Us

Recently Realtor.com posted an article saying it's a buyer's market in housing.While they share some compelling stats, I began to look at the data and have some interesting findings of my own.Find out what type of housing market we are really in and learn if it truly is a good time to buy or sell a home.Thanks for listening! Have a comment, potential guest, idea for topic, or want to sponsor our show? Email:  homebuildinghero@yahoo.comTwitter:  @building_heroFacebook:  www.facebook.com/homebuildingheroInstagram:  @homebuildingheroInsider Club:  https://mailchi.mp/062ece3a2b79/home-building-hero-podcast-email-list Thanks to our studio sponsor LP Building Solutions! To learn more about my homes visit Belman Homes andWhen you have a moment, pick up a copy of my new Amazon Best Selling book "Leadership Growth Hacks" at https://amzn.to/2ZBRuN3

10 Jul 2025. Saudi Arabia will allow expats to buy property from 2026. Real estate economist Christopher Payne tells us what this could mean for demand and for the wider Saudi economy. Plus, we speak to the firm overseeing Dubai Metro’s Blue Line project, the mortgage brokers raising $60 million for growth, and get reaction from Pakistan to its $1 billion deal with Dubai Islamic Bank.See omnystudio.com/listener for privacy information.

In today's Wholesale Hotline (Astroflipping Edition) Jamil is joined by Zach Martin and Taylor Cobb to break down their story. Today's episode is part of our Throwback Series where we re-air some of our most popular shows. This episode originally aired on 10/24/2023. Zach and Taylor's background and how they discovered real estate.. How they went from insurance agents to real estate investors. Zach and Taylor breaks down a deal. ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ ☎️ Welcome to Wholesale Hotline & Astro Flipping breakout

Bump and Stacy are joined by Jim Bowden of The Athletic and MLB Network Radio to discuss why the Mariners need to be buyers at the MLB Trade Deadline this season, they give you their thoughts on Dak Prescott’s injury status and the AL West Standings in Headline Rewrites, they bring you the biggest stories around the NFL, including where things stand between the Falcons and Kirk Cousins stand after release of Netflix's Quarterback, and they look at why Julio could be primed for a great second half. 

Learn how to automate tasks, save time, and increase your profit. No Coding required!

If you tuned in to last week's episode, you know we discussed the importance of being bold and clear in your messaging and marketing. Right now, one of the biggest trends is having a clear point of view. Nothing helps you stand out more in your marketing than knowing how to articulate what you do and whom you help in a clear and compelling way. Some call this the elevator pitch, some call it a power statement, but I like to call it a BFD or Big Frigging Deal statement. If you want to attract your ideal buyers in the remainder of the year, you need to be bold and compelling with your BFD statement. Listen in for the full details on how to create yours. Resources Mentioned:Listen to the episode all about writing your bio: https://www.kimkiel.com/podcast-1/how-to-write-your-bio-with-the-5-sentence-formula Text me a question or comment!

Is It a Buyer's Market or a Seller's Market? How to Evaluate Your Midterm Rental City On this episode of the Real Estate Education Podcast, Aaron and James dig into one of the most common questions in real estate: is it a buyer's market or a seller's market? The answer—like most things in real estate—is more nuanced than you think. Using up-to-date data from Denver and insights from local lender Lonnie Gleisner, we break down the current housing market into three sub-markets: condos, townhomes, and detached single-family homes—and explain why your answer will depend on your asset class. Plus, Erin shares her insights from consulting with midterm rental investors across the U.S., including how to pick the right city for your MTR strategy, the dangers of analysis paralysis, and why BiggerPockets-style advice like the 1% rule can actually cost you money. Reach Out  Interested in consulting with Erin? Email erin@erinspradlin.com  Work with James: James@JamesCarlsonRe.com   Also in this episode: Why walk scores matter for midterm rentals What YouTube "grad school" can teach real estate professionals Which inventory types are sitting vs. selling The overlap between writing, video, and real estate education Whether you're a new investor, an aspiring landlord, or a midterm rental host looking to scale, this episode will sharpen how you evaluate markets and make investment decisions. Subscribe, leave a review, and follow us on YouTube and Spotify for weekly real estate education content.

In this episode, we explore cart abandonment - one of e-commerce's biggest challenges. With 89% of shoppers leaving without buying, this costly problem affects every online store.  Our guest Menachem Schechter, Head of BZ Marketing Agency and Co-founder of CartKeeper, shares how AI can help recover lost sales. He explains the main reasons customers abandon their carts and demonstrates how smart AI assistants can answer questions in real-time, leading to 28-45% cart recovery rates across different industries. Topics discussed in this episode:  Why 89% of shoppers abandon carts—and how to stop it. How AI assistants prevent cart abandonment early. Why real-time WhatsApp chat lifts conversions. What causes most cart drop-offs—and how AI solves it. How CartKeeper keeps shoppers ready to buy. Why old chatbots fail—and AI assistants succeed. How AI chats in any language without store changes. Why cart recovery outperforms ad spend. What 45% cart recovery looks like with AI. How flat pricing makes CartKeeper accessible to all stores. Links & Resources Website: https://cartkeeper.co/ Shopify App Store: https://apps.shopify.com/sp-recovery-monkey Facebook: https://www.facebook.com/profile.php?id=61567217097073 Get access to more free resources by visiting the show notes athttps://tinyurl.com/y9pspczcMORE RESOURCES Subscribe to our FREE Newsletter: https://newsletter.ecommercecoffeebreak.com/ Free Store Optimization Beginners Guide: Instant PDF Download!

In this compelling episode, Jaryd Krause is joined by seasoned dealmaker and legal expert Jerome Fogel, partner at Fogel & Potamianos LLP, a boutique law firm specializing in high-stakes mergers, acquisitions, and capital raises. With a client list that spans venture funds, emerging tech companies, and elite athletes, Jerome offers a rare behind-the-scenes look at what it takes to structure smart, safe, and scalable business deals. Unpack the most critical questions aspiring buyers need to ask before acquiring an online business: ✔️ What are the hidden risks in buying or selling?✔️ How can poor team dynamics tank a deal?✔️ Should you use financing to buy a business—and what’s the best way to structure it?✔️ Where are the most promising online businesses being acquired today? Dive deep into the importance of due diligence, the common pitfalls buyers fall into, and how Jerome has helped high-profile clients—both on Wall Street and in the sports world—navigate complex transactions and build generational wealth. Whether you're looking to buy your first online business, scale your portfolio, or just want a masterclass in deal-making from someone who lives and breathes it, this episode delivers powerful insights and practical strategies. Don’t miss this one—it’s packed with value from start to finish. Episode Highlights 04:45 – Current valuations explained, covering how tariffs and supply chain issues impact multiples and buyer decisions. 07:20 – Typical ways buyers finance acquisitions, including credit lines, SBA loans, equity rollovers, and search funds. 10:55 – Major mistake buyers make by rushing post-acquisition integration without building trust within the team. 12:45 – What successful acquisitions have in common by retaining key team members and valuing the founder’s knowledge. 24:10 – Key risk prevention strategies involving thorough reps and warranties, clear earnout terms, strong IP protections, and precise legal language. 26:30 – Why clear definitions around risk and performance clauses are vital. Key Takeaways ➥ M&A valuations currently range from 3–8x EBITDA for traditional companies and 10–15x for platform tech businesses, influenced heavily by tariffs and market uncertainty. ➥ Buyers typically operate in the $2M to $25M+ EBITDA range and rely on strong banking relationships, SBA loans, or creative financing like equity rollovers. ➥ Structuring deal terms clearly—especially reps and warranties and material adverse effect clauses—is critical to managing risk in acquisitions. ➥ Post-acquisition integration is one of the toughest challenges; involving existing teams and respecting founders’ knowledge leads to smoother transitions. ➥ Restrictive covenants are essential to prevent sellers from competing after the sale and protect buyer investments. ➥ Every deal is unique and requires customized, creative solutions; cookie-cutter approaches don’t work in M&A. About Jerome Fogel Jerome Fogel is known as a dealmaker and innovator in the legal community. He is a partner with Fogel & Potamianos LLP and represents successful venture and hedge funds, corporations, and sports superstars.Fogel & Potamianos LLP is a boutique transactional firm that provides sophisticated counsel for buy-and-sell side mergers and acquisitions, fund formation, capital raises, and off-field sports transactions.Jerome has a 360-degree view of dealmaking, as he represents emerging companies raising capital, venture funds deploying capital, advisors and investors, and private companies in mergers and acquisitions.Jerome began his career in real estate finance at GE Capital. He is a graduate of the Haas School of Business (BS) and New York University School of Law (JD). Connect with Jerome Fogel ➥ https://www.linkedin.com/in/jeromefogel/ ➥ www.fpgeneralcounsel.com Resource Links ➥ Buying Online Businesses Website - https://buyingonlinebusinesses.com ➥ Sell your business to us here - https://buyingonlinebusinesses.com/sell-your-business/ ➥ Download the Due Diligence Framework - https://buyingonlinebusinesses.com/freeresources/ ➥ Google Ads Service - https://buyingonlinebusinesses.com/ads-services/ ➥ Connect with Jaryd here - https://www.linkedin.com/in/jarydkrause ➥ Site Ground (Website Hosting) - https://bit.ly/3JBEC1u ➥ Link Whisper (SEO tool for internal linking on websites) - https://bit.ly/3l7K7Ld ➥ Active Campaign (Email Software Provider) - https://bit.ly/3DCwYQH

Sign up for the book club! https://bit.ly/RASCall Are Buyers Back?! & eXp Fires Back at Compass | Mortgage Rates Drop, Inventory Slips, & Listing Drama Explodes

Shoot us a Text.Episode #1089: The federal EV tax credit countdown is officially on—and startups like Slate are feeling the pressure. Toyota's new “K-flex” line is redefining manufacturing versatility in Georgetown, while Amazon kicks off a four-day Prime Day aimed at cautious consumers and stocked-up sellers.Show Notes with links:The countdown has started. EV tax credits vanish after September 30, 2025, slamming the brakes on what was once a key driver of electric vehicle adoption. Dealers are already seeing signs of a demand surge—and the next 84 days could be chaos.Buyers are rushing to act before the deadline, with analysts predicting a sharp uptick in showroom traffic.Barclays expects a pre-deadline demand spike as shoppers try to capture incentives before they disappear, and dealer inventories of qualifying models may dry up quickly.Researchers Elaine Buckberg and Cassandra Cole estimate a 6-point drop in EV share by 2030 as a resultSlate's highly anticipated sub-$20K electric truck, backed by over 100,000 reservations, has quietly had its price bumped to the "mid-twenties" after losing eligibility for the now-defunct EV tax credit.Check out our panel from ASOTU CON on this topicIn a corner of Georgetown, Kentucky, Toyota is quietly completing one of the boldest manufacturing upgrades in recent memory. A decade in the making, “K-flex” is turning a 40-year-old assembly line into the most flexible—and possibly most advanced—Toyota line in the world.The $1.8 billion Line 1 overhaul allows for hybrid, plug-in, and full EVs to be built alongside ICE vehicles on the same line.Automation is everywhere: car-size autonomous skillets, part-delivering robots, and robotic glass installers fill the plant floor.Amazon's Prime Day has evolved into a four-day price frenzy—just in time to collide with fresh tariff concerns, shifting consumer priorities, and more cautious spending behavior. Retailers are leaning in hard, but shoppers aren't splurging quite like they used to.Prime Day now runs from July 8 (today) to July 11, with deals dropping as often as every 5 minutes and new perks aimed at Gen Z shoppers.Adobe predicts $23.8B in U.S. online sales this week—up 28% from last year—but analysts warn of front-loaded demand and early fatigue.Retailers like Walmart and Target are running competing promotions with sharper, more selective discounts.0:00 Intro with Paul J Daly and Kyle Mountsier0:45 Nathan doesn't have an Amazon Prime account2:15 ASOTU Edge Webinar tomorrow with Uber For Business3:05 New Episode of Auto Collabs with Thuy Adomitis of Mia4:40 EV Tax Credits Go Away in 84 Days, AnJoin Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

AP correspondent Jennifer King reports that as home buyers shy away from the market, more small investors are stepping in.

The Trust Thermometer: How to Read Buyer Energy and Create Safety That ClosesIn this episode of the Sales Psychology Series, Sam Wakefield introduces the Trust Thermometer—a powerful tool to instantly gauge your buyer's emotional state and build the safety they need to say yes.Most salespeople think buyers say no because of money or logic. The truth? Buyers say no because they don't feel safe yet. This episode teaches you how to feel the room, recognize cold vs. warm vs. hot energy, and adjust your approach in real time.If you've ever walked out of a call thinking “They just weren't ready,” this episode gives you the clarity and confidence to never guess again.

Andy Coleman made $1M working with renters using free leads, high-volume strategy, and laser focus. Learn how discipline, burnout recovery, and niching down turned his rental game into an empire.See full article: https://www.unitedstatesrealestateinvestor.com/agents-are-leaving-six-figures-on-the-table-how-to-make-millions-with-andy-coleman/(00:00) - Welcome to The REI Agent with Mattias and Erica(00:19) - Austin Recap and COVID Update(01:00) - Lessons from the REI Summit: Values, Vision, and Business Building(02:20) - Meeting Grant and Frankie In-Person(02:56) - From Conference to Cleaning: Erica's Landlording Experience(04:04) - Meet Andy Coleman: Rental Commission Specialist from Florida(04:58) - Andy's Real Estate Origin Story(06:00) - Earning $733/Hour from Facebook Marketplace Leads(07:30) - Scaling Up: 50 to 250+ Rental Deals a Year as a Solo Agent(09:30) - Commission Structures and How It Works for Rentals(12:00) - Turning Renters into Buyers for Long-Term Wealth(14:00) - Why Agents Avoid Renters—and Why That's a Mistake(15:24) - Andy's Volume-Based Income Strategy Explained(18:21) - Workload, Burnout, and Building Systems(21:00) - From Obsession to Exhaustion: The Burnout Experience(25:00) - Finding Balance and Leveraging a Team(28:00) - Erica Explores Burnout Symptoms and Mental Health Insights(29:03) - Andy's Five Ways to Make Money with Renters(31:40) - MLS Strategy and Apartment Locating(35:00) - Landlord Listings and Doubling Commission(37:20) - Converting Active Renters into Buyers Now and Later(40:00) - The Secret to $600K a Year: Patience and Volume(42:00) - Riches Are in the Niches: Focus and Discipline(44:00) - Book Recommendations for Sales and Communication Mastery(46:44) - Where to Learn More: Andy's Coaching, Channels, and Socials(47:36) - Final Thoughts and Show OutroContact Andy Colemanhttps://www.richwithrentals.com/https://www.instagram.com/theandycoleman/https://www.youtube.com/@AndyColemanhttps://www.youtube.com/@AndyColemanRealEstateFor more content to enhance your holistic success, visit https://reiagent.com

WWJ Auto Reporter Jeff Gilbert joins Megan Lynch with a look at how buyers are attempting to avoid high prices on the dealership.

Mortgage rates are dropping — so why are buyers still stuck on the sidelines? This episode breaks down the latest market update with July 2025 data, unpacking how inflation, job reports, and interest rate speculation are shaping first-time buyer behavior.In this episode, David delivers a critical market update recorded just after the July 4th weekend in 2025. Despite a notable drop in mortgage rates — the fifth consecutive week of declines — most buyers still aren't making moves. Why? The answers lie in economic signals that go beyond interest rates.You'll learn how job market strength and inflation fears are keeping the Federal Reserve from cutting rates, despite public pressure. Plus, David breaks down how tariffs and the PCE index (the Fed's favorite inflation tracker) are working against rate relief. With clarity and candor, he explains why rate drops aren't enough to reboot buyer confidence — and why timing your purchase based on Fed headlines may be a risky move.First-time homebuyers will walk away with a clearer picture of what's happening behind the scenes — and why understanding market conditions is more important than listening to outdated advice from friends or family.Quote“Mortgage rates have fallen for the fifth straight week. Buyers aren't budging though — they're still waiting.” – David SidoniHighlightsFreddie Mac reports the biggest one-week drop in rates since March 2025Fed rate cuts unlikely after strong June jobs report and inflation uncertaintyPCE inflation index still above target, with tariffs poised to raise prices furtherWhy first-time buyers should stop trying to “time the market”CME FedWatch projections: July cut odds drop to 5%, September cut down to 67%Clear explanation of how job market strength delays rate reliefReferenced Episodes279 - New Build vs Resale Houses for First Time HomebuyersConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Welcome to the land podcast, a platform for people looking to educate themselves in the world of land ownership, land investing, staying up to date with current land trends in the Midwest, and hearing from industry experts and professionals. On today's episode, we are back in the studio to talk with Jeremy Lopez. We discuss: Jeremy shares his journey into real estate and buying his first farm. He emphasizes the importance of building equity in rental properties. A mentor helped him realize the potential of real estate investments. He discusses the benefits of using a HELOC for down payments on properties. Jeremy believes in diversifying income streams through real estate. He aims to retire in Iowa, where pensions are not taxed. The podcast highlights the challenges of hunting on public land. Jeremy shares his shopping process for finding the right farm. He stresses the importance of running numbers before making purchases. Regrets include selling his first house instead of renting it out. And so much more! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.whitetailmasteracademy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Use code '⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HOFER' to save 10% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.theprairiefarm.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Massive potential tax savings: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ASMLABS.Net⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -Moultrie: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/moultrie_⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -Hawke Optics: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/hawkeoptics_⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -OnX: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/onX_Hunt⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -Painted Arrow: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/PaintedArrow

Fearless Agent Coach & Founder Bob Loeffler shares his insights on Making High Quality Presentations 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.

Mexico wins the Gold Cup  Why I think USA Soccer is going to be fine next summer The biggest issue around USA is commitment Who buys and sells at this years MLB trade deadline

Segment Teaser – Homeowners who feel trapped by their low mortgage rates… and young buyers wondering if homeownership will ever be within reach. In this episode of Go Gaddis Real Estate Radio, we're diving into both sides of today's housing market dilemma.

As the wheat harvest is in full swing, U.S. Wheat Associates is promoting American wheat to overseas buyers. Groups from Ecuador, Japan, Korea, and the Philippines will be in the U.S. to observe harvest in wheat fields across rural America. NAFB News ServiceSee omnystudio.com/listener for privacy information.

Today in the news, nobody is interested in Ferrari's new electric supercar. Wow - total shocker, isn't it?Support us on Patreon for bonus, exclusive content + live stream access https://www.patreon.com/switchcastFor more information on SwitchCast & to submit vanity plates, check out our website: https://switchcast.live/Articles mentioned in the episode:Report: Ferrari Is Apparently Delaying Its Second EV https://www.caranddriver.com/news/a65104240/report-ferrari-is-apparently-delaying-its-second-ev/Ferrari Finds 'Zero' Buyers for Electric Supercar https://autodrive.com.bd/posts/ferrari-finds-zero-buyers-for-electric-supercarClearwater Man Arrested After High-Speed Crash in Largo https://iontb.com/clearwater-man-arrested-after-high-speed-crash-in-largo/Please visit our sponsors:https://sheffieldwatches.com/ - mention "SWITCHCAST"https://www.nuts4sticks.com/ - discount code "SWITCHCAST" for 10% discounthttps://switchcars.comhttps://epicvin.com/?a_aid=vvttz3hc9ogvd- the supplemental vehicle history reports you really need. Use our affiliate link!https://solonspine.com/ - Are you crooked? Solon Spine will straighten you out!Follow our socials:https://www.facebook.com/SwitchcarsInchttps://www.tiktok.com/@switchcarsdoughttps://www.instagram.com/switchcars

Send us a textEpisode Description:Ready to transform how you approach every business decision and relationship? In this powerful Monday Morning Motivation episode, host Anna Steinfest introduces a game-changing mindset shift that can revolutionize your small business and personal life.What You'll Learn:The difference between being the "buyer" vs. the "seller" in your business relationshipsWhy saying "no" to misaligned opportunities creates space for better onesHow to become selective without missing out on growthA real-world transformation story of an entrepreneur who doubled down on this approachThree practical steps to implement the "buyer mindset" this weekPerfect for:Solo entrepreneurs feeling overwhelmed by every opportunityWomen-owned businesses struggling with boundariesSmall business owners who say "yes" to everythingAnyone ready to build their business on their own termsKey Takeaway: When you approach every opportunity as the buyer—choosing what aligns with your vision, values, and goals—you stop chasing and start attracting the right clients, projects, and relationships.Join the Small Business Survival Conversations community and discover how to build a business that works for you, not against you.Tags: #SmallBusiness #Entrepreneurship #MondayMotivation #BusinessMindset #SoloPreneur #WomenInBusiness #BusinessStrategy #SelfEmployed #BusinessOwner #Productivity

In this Q&A we have 5 questions I've been asked recently on the website. I'll go into brief detail on what to consider with each question and what do to about it. If you want to submit your own questions for Q&A, send me a message at julie@honestdogbreeder.com.  Thank you!

We love to hear from you! CarsThePodcast@gmail.com. We'd love your suggestions for future topics. Please take time to rate & review at Apple Podcasts!

This week on America on the Road, co-host Chris Teague kicks things off behind the wheel of the 2025 Ford Mustang GT. Still powered by its iconic 5.0-liter Coyote V8, the latest Mustang GT delivers up to 486 horsepower when equipped with the available active-valve performance exhaust. Buyers can choose between a classic 6-speed manual or a smooth 10-speed automatic, both of which channel power to the rear wheels for a traditional muscle car feel. The design remains bold and unmistakably Mustang, while the interior has taken a high-tech leap with a new 13.2-inch touchscreen, customizable digital gauges, and improved connectivity. But does its unique blend of heritage, raw performance, and new tech work in 2025? Chris and Jack will offer their opinions. The episode of America on the Road, hosted by Jack Nerad and co-hosted by Chris Teague, is stuffed with the latest car reviews, industry news, and interviews from across the automotive world. The compelling stories range from an electric supercar concept to a shipwreck full of Chinese EVs to a legal battle over EV charging infrastructure. Plus, we welcome a special guest for part one of a two-part interview you won't want to miss. In our second road test, Jack Nerad gets his hands on the all-new 2025 Genesis GV80 Coupe 3.5T E-SC MHEV, a bold, tech-heavy entry into the luxury SUV-coupe segment. With a 3.5-liter twin-turbo V6, electric supercharger, and 48-volt mild-hybrid setup, the classy coupe delivers smooth and responsive power to all four wheels. Its sloped roofline, 22-inch wheels, and a richly appointed interior featuring Nappa leather, a 27-inch OLED display, and premium audio by Bang & Olufsen, combine to give the GV80 Coupe exceptional appeal inside and out. It's big on comfort, big on features, and although its fuel economy isn't class-leading, the overall package offers an appealing alternative to pricier European rivals. But is it resonating with luxury buyers the way we think it should? In the news this week, Mercedes-AMG has revealed the Concept AMG GT XX, a jaw-dropping electric performance prototype previewing the future of the brand. Featuring three compact axial flux motors and more than 1,341 horsepower, this concept can reach 223 mph and offers ultra-fast charging with next-generation battery cooling. A cargo ship carrying over 3,000 vehicles, including hundreds of EVs and hybrids, has sunk off Alaska following a fire that burned for nearly three weeks. Investigators are still probing whether the fire started in the area where electric vehicles were stored, highlighting growing concerns about EV safety during ocean transport, not to mention in everyday driving. Tesla finds itself in legal hot water in France over its Full Self-Driving system. French regulators accuse the automaker of misleading marketing, improper prepayment handling, and misrepresenting the vehicle's autonomous capabilities, warning Tesla it has until October to correct the issues or face substantial daily fines. And as our final news story, a federal judge has temporarily blocked the Trump administration's freeze on $5 billion in EV charger infrastructure funding. The ruling allows 14 states to move forward with their clean transportation projects, challenging what one judge views as an unlawful and abrupt policy shift. Our special guest this week is Tim Seward, chief designer at ONYX Motor Bikes. In the first part of this two-part conversation that will continue next week, Tim shares how he helped turn a backyard project into a breakout success story in electric mobility. His approach to design and innovation offers a fresh take on how small companies can disrupt big industries. And in our listener question segment, Lemmuel from Salt Lake City asks, “My check engine light is on. What's the first thing I should check?” We offer practical, no-nonsense advice on diagnosing the issue before it becomes something more serious. So there's plenty of show this week.

In today's rapidly evolving sales landscape, lead generation remains a top priority for Chief Revenue Officers and sales leaders. But with the rise of AI, changing buyer behaviors, and an overwhelming array of tools and technologies, how can sales teams effectively navigate this complex terrain? In this episode of the Modern Selling Podcast, I sit down with Zach Jones, Chief Revenue Officer at TechnologyAdvice, to explore the cutting-edge strategies and tools that are reshaping the lead generation game. With over a decade of experience in scaling sales teams and driving revenue growth, Zach offers invaluable insights into the current state of B2B sales and marketing. Adapting to the New B2B Buyer Journey One of the most significant shifts we discuss is the changing nature of the B2B buyer journey. Zach highlights that: 75% of the buyer journey now happens before someone wants to talk to sales 86% of buyers start with a shortlist of vendors 92% of purchases come from that initial shortlist This means that awareness and early education are more critical than ever. Sales and marketing teams need to focus on getting on that shortlist through strategic content placement and engagement across various channels. The Rise of AI in Sales and Marketing Artificial Intelligence is not just a buzzword – it's reshaping how we approach lead generation and engagement. Zach shares eye-opening statistic: There's been a 240% increase in page views from ChatGPT to their websites since January This shift towards AI-driven content creation and research is changing how buyers find and evaluate vendors. Sales teams need to adapt their strategies to ensure they're visible and relevant in this new AI-powered landscape. From Funnel to Rooms: A New Perspective on Lead Nurturing Zach introduces an interesting concept of thinking about lead nurturing not as a funnel, but as two rooms: Prospects who are ready to talk to a vendor Prospects who are not ready The key is figuring out how to move prospects from the "not ready" room to the "ready" room. This approach requires a more dynamic and personalized marketing strategy, leveraging AI and intent data to create tailored experiences for each prospect. Actionable Takeaways for Sales Leaders Experiment with new technologies and strategies – don't be afraid to break things Focus on niching down and segmenting your audience for more personalized outreach Leverage AI tools to level the playing field and enhance your team's capabilities Align your sales and marketing strategies based on your target market and how they buy Consider implementing an Account-Based Experience (ABX) approach for enterprise sales As the B2B sales landscape continues to evolve, staying ahead of the curve is crucial. By embracing new technologies, focusing on personalization, and adapting to changing buyer behaviors, sales teams can position themselves for success in this dynamic environment. Timestamped Summary of this Episode: 00:00:00 The Rise of AI in Content Creation AI tools like ChatGPT are becoming increasingly popular for content creation and personalization. Marketers are focusing on delivering more relevant, timely messages to smaller, engaged audiences rather than high volume outreach. The shift towards AI-driven personalization is changing how companies approach lead generation and engagement. 00:01:07 Introducing Zach Jones: CRO of TechnologyAdvice Zach Jones, Chief Revenue Officer at TechnologyAdvice, shares his background and the company's role in connecting tech marketers with B2B buyers. TechnologyAdvice operates multiple digital media properties and offers services like content creation, digital advertising, lead generation, and buyer intent intelligence.  00:03:27 From Punk Pop to B2B Sales: Zach's Surprising Past Zach reveals his unexpected background as the frontman of a punk pop band in college. This experience, while not impressing his future wife, showcases Zach's diverse background before entering the B2B sales and marketing world. 00:05:19 Evolving Lead Generation Landscape The lead generation landscape is shifting due to economic changes and emerging technologies. Key trends include niching down to target smaller, engaged audiences, leveraging AI for personalization, and adapting to the changing demographics of B2B buyers, with millennials and Gen Z now dominating. 00:08:18 Adapting to Modern Buyer Journeys Marketing and sales teams are adapting to new buyer journeys by embracing diverse media channels like podcasts, YouTube, and newsletters. The focus is on meeting buyers where they are and providing relevant content throughout their decision-making process, rather than relying solely on traditional lead generation methods. 00:10:11 Effective Sales and Marketing Tools While some companies are cutting back on tools, certain platforms like Sixth Sense and ZoomInfo continue to deliver ROI. The trend is moving towards efficiency and proven value rather than accumulating multiple tools. New opportunities in forums, Reddit, and connected TV are emerging as ways to engage buyers. 00:12:50 Key Metrics for Evaluating Tools CROs should prioritize usage and adoption rates when evaluating tools. Pipeline generation and productivity improvements are also crucial metrics. The focus should be on how tools increase efficiency and drive tangible results rather than just adding more features. 00:17:37 Intent Data and Personalized Engagement Leveraging intent data and behavioral analytics is crucial for identifying and engaging high-potential leads early in the buyer's journey. TechnologyAdvice is developing an AI-driven "intent to lead" model that creates personalized, timely outreach based on prospect behavior across their ecosystem. 00:32:40 Rethinking the Sales Funnel The traditional sales funnel concept is evolving into a two-room model: prospects are either ready to talk to a vendor or they're not. The focus is on moving prospects from "not ready" to "ready" through personalized, dynamic marketing across various channels and touchpoints. 00:36:42 Tailoring Strategies to Audiences and Verticals There's no one-size-fits-all approach to sales and marketing strategies. Leaders must consider factors like product type, sales motion, and target market to determine the most effective channels and tactics. Account-based experience (ABX) is becoming increasingly important for enterprise sales. 00:40:18 Advice for CROs: Experiment and Personalize CROs should focus on testing new approaches, leveraging AI, and personalizing experiences for target accounts. The key is to be willing to experiment, niche down, and use available tools effectively to stand out in a competitive landscape. Follow Us on: ·         LinkedIn ·         Twitter ·         YouTube Channel ·         Instagram ·         Facebook You might also like: ·         FlyEngage - Social media AI engagement tool. ·         FlyPosts - Thought leadership AI post generator tool. ·         FlyMSG - Auto text expander (Try it out here for free). ·         FlyMSG Sales Pro for Individuals: On-demand sales training for individual sellers. ·         FlyMSG Sales Pro for Teams: On-demand sales training for sales teams for prospecting.  Install FlyMSG for free: ·         As a Chrome Extension. ·         As an Edge Extension.  

Barrie Cassidy and Tony Barry take a look at Anthony Albanese's support of Donald Trump's bombing of Iran and ask: will the US - Australia relationship send traditional party supporters elsewhere? Also: why it's time for the Liberals to embrace gender quotas. And, keen to canvas opinion on Chinese influence in the Pacific region, Barrie conducts his own focus groups in the Cook Islands.

Barnaby discusses how Daniel Levy ruined a potential sale of Tottenham to the Qataris, as well as all the latest Spurs transfer rumoursSubscribe to my Patreon account to support me making Tottenham daily content here:https://www.patreon.com/BarnabySlaterPatreonWatch on YouTube:https://www.youtube.com/@barnabyslater_Instagram: @barnabyslatercomedyTikTok: @barnabyslatercomedy Hosted on Acast. See acast.com/privacy for more information.

Jake Stahl is not your average consultant. He's a former top-tier sales trainer turned psychological strategist, the inventor of Neurostrategy™, and the visionary founder and CEO of Orchestraight—a first-of-its-kind intelligence platform that rewires how companies train, sell, and scale. With a voice that blends boardroom precision with street-smart empathy, Jake doesn't just teach transformation—he engineers it. He's trained thousands across industries in the science of high-conversion conversations, decoding human behavior with surgical accuracy. When Jake speaks, people don't just nod—they shift. His sessions are described as part masterclass, part awakening. Jake talks about neuro-strategy, nuero-linguistic programming, sales psychology, and much more!

What are enterprise buyers really looking for in 2025 when they bring in external talent? This week, Melisa is joined by industry veteran Brian Hoffmeyer (known as “Hoff”), who returns to the podcast to share invaluable, behind-the-scenes insights from his vantage point at Beeline, the world's largest independent vendor management system.Whether you're working directly with enterprise clients or supporting mid-size firms, this conversation gives you the macro trends you need to know in order to position yourself as the obvious choice. You'll hear why independent consultants are gaining momentum (despite a flat contingent labor market), and how to shift your strategy to stand out, especially if your buyers are navigating complex approval processes, rate cards, or risk-averse procurement teams.You'll also hear hard truths about hourly pricing, why outcome-based work is on the rise, and how to use “micro-consortiums” to expand your value and win bigger work, all without trying to mimic a traditional firm.Timestamps for Key Moments: [06:50] What enterprise clients are prioritizing in 2025 when it comes to independent consultants and external talent.[10:25] Why statement-of-work and outcome-based engagements are gaining favor and how to structure your services accordingly.[17:14] How consultants can de-risk the buying process by becoming an internal guide, not just an external vendor.[24:50] What's getting approved and what's not, inside client organizations, from project types to pricing models.[29:45] The rise of the “independent consortium” and how to leverage it without formal partnerships.Tune in to Episode 225 for a high-level strategic view and tactical insights to help you stay relevant, de-risked, and in demand.Related ResourcesFull Show Notes: https://shownotes.melisaliberman.com/episode-225/Read Chapter 14 in Grow Your Consulting Business: The 14-Step Roadmap to Make Your Independent Consulting Goals a Reality, https://www.amazon.com/dp/B0CSXJBGVBRelated Podcast Episode: ️Episode 034 – Strategies from an Expert in the Corporate Consulting Buyer (An Interview with Brian Hoffmeyer), https://shownotes.melisaliberman.com/episode-34/  Work with Melisa: Apply for a Coaching Exploratory call at https://www.consultmelisa.com   Connect with Hoff: Brian Hoffmeyer - Beeline | LinkedIn Want More?Get Melisa's Book: https://www.melisaliberman.com/bookVisit with Melisa's Website: www.melisaliberman.com Follow on LinkedIn: linkedin.com/in/melisa-liberman Get Notified When Melisa's Products Launch: https://www.melisaliberman.com/growth-atlas-products Want help achieving your consulting business goals? Melisa can help. Click here for more on coaching tailored to you as an independent consulting business owner.

QFF: Quick Fire Friday – Your 20-Minute Growth Powerhouse! Welcome to Quick Fire Friday, the Grow A Small Business podcast series that is designed to deliver simple, focused and actionable insights and key takeaways in less than 20 minutes a week. Every Friday, we bring you business owners and experts who share their top strategies for growing yourself, your team and your small business. Get ready for a dose of inspiration, one action you can implement and quotable quotes that will stick with you long after the episode ends! In this episode of Quick Fire Friday, host Rob Cameron speaks with Rick Calabrese, a specialist in business valuation and owner of Commonwealth M&A. Rick delves into the critical role of professional valuations for small business owners, particularly those in the lower middle market with revenues ranging from $5 million to $100 million. He explains why business value is often an intangible asset that requires expert assessment. Rick also highlights common factors that impact valuations, such as heavy owner involvement and customer concentration. Sharing insights from his firm's track record—successfully selling seven businesses in just two and a half years—he underscores the importance of strengthening operational systems, refining financial metrics, and building a trusted team of advisors. Ultimately, Rick emphasizes that thoughtful preparation and a clear plan are essential to achieving a successful business exit. Key Takeaways for Small Business Owners: Get a Professional Valuation: Your business is likely your largest asset, yet its value is often intangible. Engage valuation specialists to understand its true worth, especially before planning an exit. Reduce Owner Dependence: Businesses that are overly reliant on the owner are harder to sell. Build strong teams and systems so the company can thrive without you. The most attractive businesses are often run by owners who can afford to be on vacation. Diversify Your Customer Base: Avoid heavy customer concentration. Buyers see too much revenue tied to a few clients as a risk. Broaden your client mix and aim for recurring revenue streams. Our hero crafts outstanding reviews following the experience of listening to our special guests. Are you the one we've been waiting for? Plan Early & Be Patient: Preparing for a sale can take years. Strengthen operations, improve financial metrics, and update valuations regularly so you're ready when the time—and the market—is right. Build a Trusted Deal Team: Selling a business isn't like selling a house. Surround yourself with experienced advisors—specialist lawyers, CPAs, and M&A experts—to guide you through this complex process. Understand the Buyer's Perspective: Buyers focus on risk, stability, and future cash flows. Position your business as a predictable, systematized operation to command a premium price. One action small business owners can take: According to Rick Calabrese, one action a small business owner should take is to reduce owner dependence by building strong teams and systems—so the business can operate smoothly without them, making it far more attractive and valuable to future buyers. Do you have 2 minutes every Friday? Sign up to the Weekly Leadership Email. It's free and we can help you to maximize your time. Enjoyed the podcast? Please leave a review on iTunes or your preferred platform. Your feedback helps more small business owners discover our podcast and embark on their business growth journey.

In this episode, we're sitting down with Rick Marotto, a High 6 Associate in the Wicked Smart Community, who shares his incredible journey from healthcare professional to real estate investor. Rick and his wife Linda initially ventured into house flipping as a means to secure their retirement, only to face roadblocks, setbacks, and disappointing coaching. But their story didn't end there.   After a rough start in traditional real estate, Rick discovered the Smart Real Estate Coach community and completely transformed his approach. In this episode, he shares how the “in-the-trenches” support, bootcamps, and clear planning helped him confidently close creative deals and generate three-payday profits—all while helping buyers get back on their feet.    If you're looking to ditch the W-2 and replace it with a step-by-step investing strategy, Rick's story is packed with insight and encouragement.   Key Talking Points of the Episode   00:00 Introduction 03:24 Rick's story: from the medical field to real estate investing05:10 Bootcamp experience and a boost in confidence 07:27 Real-time coaching, dials, and how practice built belief 09:00 Managing full-time jobs while launching a real estate business 10:14 Setting a retirement plan vs. just a goal 14:42 Rick's first creative deal and how it helped a buyer reclaim his family 18:51 How Rick's 2nd deal turned a seller's problem into a sub-to success 20:33 Defining terms in creative real estate: VA, AO, resetting the clock 24:06 Buyers vs. Sellers: Which is harder to find? 25:37 Why bootcamps and QLS Live are game-changers Quotables   “We were working full-time, trying to get the flipping business off the ground. It just wasn't sustainable.”   “After the bootcamp, I started making dials and I could hear myself differently. The confidence boost was huge.”   “Creative real estate creates a win-win-win. The buyer wins, the seller wins, and we win.”   Links   QLS Live https://qlslive.com   Real Estate On Your Terms and Deal Structure Overtime https://wickedsmartbooks.com/podcast   FREE Master's Class http://smartrealestatecoach.com/masterspodcast   FREE Strategy Session with Chris Pre http://smartrealestatecoach.com/actionpodcast   QLS 4.0 https://smartrealestatecoach.com/qlspodcast   Investor Resources https://smartrealestatecoach.com/resources   Apprentice Program https://smartrealestatecoach.com/apprentice-pod   In the Trenches Bootcamp https://smartrealestatecoach.com/ittb-pod   3 Paydays Virtual Event https://smartrealestatecoach.com/3paydayspodcast   REI Blackbook https://smartrealestatecoach.com/REIBB-pod   7 Figures Funding https://smartrealestatecoach.com/7figures-pod   Land Voice https://smartrealestatecoach.com/landvoice-pod

Jason discussed concerns about Federal Reserve chair Jerome Powell's leadership and the current state of the housing market, including analysis of historical relationships between housing supply and economic downturns. He explored various market conditions, including the impact of interest rates, inventory levels, and differences between single-family and multifamily housing markets. The discussion concluded with insights into current real estate market challenges and opportunities, along with information about available resources and contact options for listeners. #JeromePowell #BillPE #FHFA #CongressInvestigation #Fed #InterestRates #HousingMarket #HousingShortage #EconomicDownturn #NewHomesForSale #ResaleMarket #LockInEffect #PentUpHousingDemand #LowInventory #MarketAppreciation #BuyerMarket #SellerMarket #BuilderConcerns #PopulationGrowth   Key Takeaways: 1:29 Call to investigate Jerome Powell 4:50 No one is paying attention 11:50 Sponsor: https://www.monetary-metals.com/Hartman  21:26 Dramatic population increase 25:00 Buyer sensitivity 27:45 Fannie Mae and Freddie Mac: delinquency rates decrease in May 29:52 Check out JasonHartman.com/Ai or 1-800- HARTMAN OR (714) 820-4200 EXT. 2   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com  

Have you heard of an SEO Funnel? We talk about the Sales Funnel all the time, but we haven't talked about how you can create an SEO Funnel. Until now. Investing time into SEO can be beneficial for any ecommerce business, and you can use a content-based funnel strategy to grow traffic and sales without advertising.  Most of us understand the sales funnel where we've got our cold, warm, and hot traffic filtering down the funnel to the purchase goal. You can apply that same method of thinking to SEO. Listen in as our Inner Circle SEO Coach, Sarah walks us through the steps. Start building your SEO Funnel, and build up more high quality traffic for free. Ready to get more organic traffic? Our SEO for Ecommerce Course is now open. In the Course, you'll learn how to build a powerful SEO Funnel that will consistently grow your organic traffic and sales. This course is exclusively for Ecommerce store owners, and comes with 2 months of Expert support. Enrollment is limited, so get in now: https://classroom.thesocialsalesgirls.com/seo-for-ecommerce Get Simple SEO for Store Owners for FREE here: https://learn.thesocialsalesgirls.com/simple-seo-for-store-owners-guide/

Let's be real, Bestie—working with buyers can get chaotic real quick if you don't have a system in place. From that first "I'm ready to buy!" text to actually hitting the streets and showing homes, there are a lot of moving parts… and plenty of opportunities for things to fall through the cracks.

Customer-Centric Growth is no longer optional—it's the foundation of business success in an AI-first world. In this episode, Andy Halko, a 23-year marketing veteran and author of The Buyer-Centric Operating System, unpacks how companies can thrive by putting the customer at the center of every decision.If you're trying to decode the minds of today's hyper-informed buyers, improve your startup strategy, or integrate AI in marketing, this episode gives you the tools and insights to get ahead. Andy breaks down why understanding buyer psychology is the most critical competitive edge for founders, marketers, and leaders—and how ignoring it can stall your growth.You'll learn:Why old personas no longer work—and how AI-generated “twins” can fuel smarter decisionsHow companies like Apple use deep buyer insights to predict needs before customers even voice themWhat separates high-growth SaaS founders from the restWhy marketing clarity and leadership clarity matter more than ever in the noisy digital landscapeHow influence building—through public speaking, content, and community—can amplify your message and scale your businessAndy's approach is built for founders and executives who want more than tactics—they want clarity, connection, and customer-obsessed execution. If you're looking to transform your go-to-market game through smarter, customer-centric strategies, this episode delivers the blueprint.0:00 – Welcome & intro to Andy Halko1:00 – Starting a marketing agency with tech + creative roots2:00 – From personas to AI-generated “twins”4:00 – Staying focused vs. missing innovation6:00 – Anticipating customer needs like Apple8:00 – The new hyper-informed buyer & marketing impact10:00 – What top SaaS founders do differently12:00 – Why clarity matters in leadership and messaging14:00 – What clients look for when working with Andy15:00 – Final takeaways and how to connectCustomer-Centric Growth, Buyer Psychology, Hyper-Informed Buyer, AI in Marketing, Startup Strategy, Marketing Clarity, Leadership Clarity, SaaS Founders, Influence Building#CustomerCentricGrowth #AndyHalko #BuyerPsychology #HyperInformedBuyer #AIinMarketing #StartupStrategy #LeadershipClarity #MarketingClarity #SaaSFounders #InfluenceBuilding

Keith discusses the evolution of the real estate market over the past five years, highlighting a 43% price surge from March 2020 to June 2022 due to low mortgage rates, remote work, and government stimulus. By 2024, single-family home prices stabilized, but apartment values dropped by 30%.  Mortgage rates have remained around 6-7.5% for 20 months, with national home prices rising 2% in the past year.  We introduce two listener guests: Josh Fang, a 28-year-old investor who bought five properties using his income from a mortgage loan officer job, and Nate O'Neil, an experienced investor who leveraged his corporate job to fund his real estate portfolio.  Show Notes: GetRichEducation.com/560 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai  Keith Weinhold  0:01   Welcome to GRE. I'm your host, Keith Weinhold, over the past five years, the real estate market has changed forever. So what are you supposed to do now? Then I talked to two GRE listener guests back to back. Here's some relatable stories this week on get rich education.    Mid south home buyers. I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis, and have globally attractive cash flows, an A plus rating with a better business bureau and now over 5000 houses renovated. There's zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter. Remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis. Get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com.   Speaker 1  1:48   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. You   Keith Weinhold  1:58   Keith, welcome to GRE from Augusta Maine to Augusta Georgia and across 188 nations worldwide. I'm Keith Weinhold, and you are back inside get rich education if you got trapped in a cave back in 2020, and then you came above ground into the sunlight of 2025 and wondered what happened to the real estate investment market over the last five years. Here's the answer, and what it means to you, even if you weren't trapped in a cave, and I sure hope you didn't have to fight off a bat colony either. During the pandemic housing boom of 2020, to 2022 housing demand soared, in fact, from March of 2020, to June of 2022, prices surged a staggering 43% and rents ballooned too. And that was all amidst a few things, ultra low mortgage rates, a remote work boom and government stimulus. And for many, this unlocked Americans work from anywhere arbitrage. High earners were able to keep their income in, say, New York City or LA, pack up their laptop and head for state income tax free havens like Tampa or Nashville, and builders could not keep up. See housing supply, stock is not as elastic as demand. It's like steering a cruise ship. It doesn't turn out a dime. Inventory was drained, and you know, we had a full on housing supply crash that dipped to its Nadir in February of 2022 but just after that, all types of interest rates spiked later in 2022 to help stifle rising inflation, and what that did is that that quickly quelled homeowner affordability. Return to Office mandates began to gain momentum. National housing demand pulled back a near 180 was quickly underway. Sales volume tanked, and that put a lot of people in the industry out of business, realtors, mortgage loan officers, even furniture companies out of business by 2024 prices in the single family to fourplex space stabilized just with a slow growth rate, but apartment values lost as much as 30% from 2022 to 24 due to devastating interest rate resets under shorter term loans, and meanwhile, the income required to buy a modest starter home rose from 49k in 2020 to 101k last year. That's pretty NAR and the term forever renter became both a meme and a. Reality, and since construction, efforts to build have been uneven, apartment supply actually exceeds demand in a lot of markets, and over in the one to four unit space by adding inventory, there's now 30% more available year over year, but it remains under supplied nationally, especially like I've discussed in the Northeast and Midwest, where building has been meager to completely non existent. That's why it can still feel impossible to find a house in much of Ohio or New Jersey, but you can rent an apartment in Austin, Texas faster than you can get a Wendy's drive through order. Mortgage rates have now stayed in this same range of six to seven and a half for 20 months, and national home prices are up just about 2% in the past year. Now, when Trump began his second term in January of 2025 markets got giddy with business friendly optimism, but this Trump bump that reversed fast when he slapped half the planet with tariffs housing demand cooled again, because no one buys a house when they feel like their job might vanish, alright? So amidst all of that. How do you adjust your strategy with what's changed over the past five years? Well, real estate still pays five ways, and since you're not betting it all on price growth like you would be with most other asset classes, this way, you've always got a side to play with. Affordability down now, rental demand is heating up. With more inventory on the market for you to purchase, there are more motivated sellers, especially those shiny build to rent homes. You do still have to deal with mortgage rates that are higher than they were four or five years ago. Refinance on the rate dips if there's low inflation rates fall if there's high inflation, well, then your debt arose faster. So this is what I mean about you having the ability to play both sides today, and this is big, the number of renter households are at a record high, and they're rising. Landlords are giving fewer concessions. Increasingly, they hold the cards in the single family rental space and annual rent growth is expected to heat up from its current zero to 3% Well, what is next? Short term housing value should stay stable, but not sore, and don't count on a big mortgage rate drop at all for the rest of the year long term, expect more inflation in strong demographic demand. Those things are almost certainties, and that's the good part for real estate investors. So really the overall market report card today, let's grade it out in a report card, sellers are doing just okay. Buyers are strained. First time home buyers are in the worst, the roughest shape. I mean, they grade out at an F single family rental landlords are in good shape because people that want to buy a single family home can't, so they rent apartment landlords, they are strained, and renters are holding steady. They're doing pretty well until steeper rent increases kick in. So really, the bottom line here is that it's been a more tumultuous five years than usual. Housing demand lapse supply and now it's coming closer back into balance today, home prices are stable, the amount of buyers are waning, and the hordes of renters are growing. And where are we today? Well, earlier this month, our president called our Fed chair a numbskull.    Donald Trump  8:56   If we cut our interest by one point for years, we save 300 billion. If we cut it by two points, we save because it's pretty equivalent we're going to save, we're going to spend 600 billion a year. 600 billion because of one numb skull that sits here. I don't see enough reason to cut the rates now.   Keith Weinhold  9:21   oh dear leaving you with a little knee slapper on the five year summary there. Look poor and middle class people feel like everything is expensive. That's because they pay for everything with money they've exchanged their time for. That means they feel like they're paying for everything with their life, because they are and that's exactly why money feels like a scarce resource. Instead, real estate investors pay for things according to what our assets are producing for us and what other people's money is producing for us. And that's why we can pay for what we want, and money feels like an abundant resource, not a scarce one. That's what today's two listener guests discovered somewhere along their path, fueled by this show. Now sometimes I answer your listener questions here on the show when you write into us at get rich education.com/contact, other times, I bring listener guests right here onto the show. That's what we're doing today. Today's both happen to be based in California. The first guest is a young investor, and the second guest more experienced. These were just recorded. Understand they aren't professional speakers. And also, if you bear with a few early audio difficulties with our first guest, you're going to be rewarded with some relatable takeaways. Our first listener guest, Josh Fang, started listening to the get rich education podcast as a college student in 2016 or 17. He first heard episode 84 that's when Robert Kiyosaki made his first appearance here. That episode was called the rich don't work for money. Then he went back to Episode One and listened to them all, 560 episodes. Now let's meet him.   This week's GRE listener guest is a 28 year old real estate investor based out of Irvine, California. That's SoCal, and he has already reached what he calls semi work, optional status, fantastic. He's been a GRE listener since 2017 that was at age 20 when he was a junior in college. The GRE podcast inspired him to become a mortgage loan officer, and he's become a top performer at doing that, originating loans after graduating college. He used the money from that mortgage loan officer job starting at age 22 to buy five income properties, two through mid south home buyers and three elsewhere. By the way. Again, he's 28 now. GRE quite literally shaped his adult life, and having enough passive income to fully retire is pretty much his only goal. Now he's got passion for talking financial freedom through smart borrowing, strategic thinking and action over perfection. Oh, I love that. Hey, welcome to GRE. Josh Fang, thank you for having me. I really appreciate it here on the show, I talk about borrowing and lending a good bit, because if you're gonna make something of yourself, you need to leverage the efforts of others. So tell us about how you got your first job in the mortgage industry and how it set the foundation for your investing journey. Josh,   Josh Fang  12:31   when I graduated, it was really rough. I had a business degree which didn't really open up too many doors. At that time, I couldn't find a job for six months, I was just applying everywhere that I could. Now keep in mind this entire time, I'm looking for a job. I'm listening to your podcast, and you know, how can I the income and the money to purchase some rental properties for some passive income? And one company responded to my resume for a mortgage company. So I was able to get an interview, and I actually got the job by quoting, you know, mortgage guidelines that I learned from your podcast. Your Podcast, such as, for an FHA loan, you need three and a half percent down. For a conventional you need 20% down, just the most basic of the most basic mortgage guidelines. And actually was able to land a job, and in the very beginning, they start you off pretty much. I mean, as a telemarketer, it's pretty rough, long hours, you work weekends, I was making $17.48 at the time per hour, and with that basic income, the 17.48 an hour, I actually was able to buy my first rental property without even the two years work history. And the way I did that was by using my college degree as work history, because there is actually a guideline to where, if you have degree that is in the same field as where you work, it does actually be counting work history. And it was really funny at the time, I was living with my parents, another document that I needed to go through underwriting. I needed a letter from my dad, a signed letter from my dad saying I didn't pay rent because I was living at home. And off that 17.48, an hour, I was able to buy my first rental property. And from mid south home buyers, everyone there was so great. They were so helpful in helping me through the loan process, through selecting a property, and I was able to close. And the time that I bought my first rental I was only 22 years old.   Keith Weinhold  14:20   This is remarkable on a few levels, with just those few lines, about three and a half percent down FHA or 20% down conventional that sounded compelling enough for someone to want to give you an opportunity and then off that modest starting wage, how that really helped you accumulate to buy income property and yeah, when you're buying in those investor advantage places, those prices are low, but that's still pretty remarkable that you were able to do that. So talk to us some more about that, buying your first rental property at age 22 surely younger than most people about that process and the mindset and really that leap of faith that it takes Josh because most people are not doing this.   Josh Fang  15:00   Yeah, absolutely. And I think I had a really big leg up in terms of mindset, because I was starting to listen to your podcast when I was so young, when you're young and you're growing up and you're a young adult in college, you know, you hear from your teachers, your parents, your friends, older people, and they say, oh, invest in the stock market. Buy a primary residence to live in. And the big thing that I learned is I don't live in the same world as the world that my parents grew up in, and I can't invest the same as well. Great point there's, I live in Southern California. The medium house price of where I live in, in the city of Irvine, is $2 million yeah, that's ridiculous. I would never, ever be able to purchase a primary residence out here, and buying stocks are at all times highs. I mean, that's arguable, but I think stocks are quite overfit. So investing there didn't make too much sense. And what you always talked about in terms of building a second flow of income, having that be passive to where I don't need to work regularly, is what really motivated me to move towards that. And in terms of making the first step, I think the most important thing by far, is just setting a goal, saying at least for myself, it was, hey, I want to own a property. I want to provide safe, affordable housing to a tenant, and I want to be able to make money off of that, to where I don't need to do something physically for it every single day. And then after that, it just about taking the steps. The first things first is I reached out to some of the house providers. In that case, it was mid south home buyers, gave them a call, spoke to them, say, Hey, can I please be put on your list? Perfect. Then it was just continuing the work, doing more research, continue listening to your podcast, learn tidbits here and there, lots of Googling, lots of Googling, looking up terms that I didn't understand when I read through the analysis of the property. Hey, what does this mean? What does that mean, Googling it, learning one step at a time. And then when it came time and I was actually receiving properties that I could buy, it was about getting the mortgage, and it was about, hey, let's just move one step at a time. Okay, today I need to get these documents, and the next step, I need to get these documents. And before you knew it, I was signing with a notary closing on my first property,    Keith Weinhold  17:10   the autodidactic approach, meaning the self taught approach, with some assistance from my show. But yeah, oftentimes listening to the show can be the stimulus to make you want to learn more, probably, because I talk about the why for real estate, and if you don't know your why, you won't care about how So Josh, are you doing something that some people do in high cost areas, like you live in in SoCal? Are you renting your own place? And then you provide rental housing to others outside your own area. In investor advantage places is that your setup?   Josh Fang  17:44   100% where I live in Irvine, it is extremely, extremely low crime. Everything's a planned unit development. It is beautiful out here. There's trees, there's lots of different foods from different cultures. I absolutely love living here. The only issue is is it's ridiculously expensive. I live in a very nice luxury apartment complex, and I pay of extremely high rent that normal people probably wouldn't be able to pay. But rather than coming out of my pocket, I use the cash flow for my rentals to pay for my rent over here. So it's kind of like I'm building equity, even though I'm just renting, and I get to live the life that I want to live, where I want to live it, while still being able to invest the proper way. In my opinion   Keith Weinhold  18:26   that's beautifully said and well thought out. And part of doing that, Josh is this borrowing money, which I think to lay people, is scary, and for someone in their 20s to borrow money, that could really bring a good bit of trepidation, because that goes against the grain of what so many people do. But of course, we talk around here about how borrowing money like you have for your rental properties in other states outside California really is not something to fear. So can you tell us more about how you approach that mindset?    Josh Fang  18:57   Absolutely, and it's always hilarious when someone asks you if you if you have any debt, and you tell them $500,000 when you're 23,24 years old, the biggest thing about borrowing money is now, again, there's different types of debt. So I'm not saying, hey, go buy some expensive car that you're going to be backwards on in a few months. Don't get a bunch of credit card debts at 24% interest rates. I'm talking about debt from a with a collateral attached to it, such as a mortgage. The way I like to think about borrowing money is borrowing like a bank, because your money has value. Whenever I have money in the actual bank, it doesn't feel like it, but I'm actually lending money to the bank. They're taking the money that I have deposited and lending it out to other people at higher rate than what they're paying you back. That's how they're actually making the money. I'm thinking like a bank. And of course, that's exactly how it is with borrowing money for rental properties. The interest rate that I have to pay on my mortgage is so much lower than how much income I'm receiving by actually renting it out and providing housing for someone. And then, of course. Tax deductions.   Keith Weinhold  20:00   Sure you're creating arbitrage there when it comes to paying off or aggressively paying down a property. I mean, some protection financially is surely good, but one has to realize that after some point, when you protect you cannot produce another way to say it is if you use your dollar to pay down, then you cannot use your dollar to multiply.   Josh Fang  20:25   I agree with that 100% I couldn't have said it any better.   Keith Weinhold  20:28   You really took action something that a lot of people don't do. I don't think you did right away. You listened to some episodes for quite a while, but you did overcome analysis paralysis at some point. So talk to us about more with that mindset of how you took the first step, even when you're still perhaps a little unsure.   Josh Fang  20:46   I think you say it best, and I know I'm literally taking the words out of your mouth, because, again, I'm a long time listener, but do the right thing before you do things right. Yes, rings so, so, so true. You're never going to be perfect. There's never going to be the perfect property. There's never going to be the perfect deal. Eventually you just have to do it. And again, all it really is is saying, Hey, here's what I want to do, and what are the steps that have to take to get there? If the first actual step, rather than just listening to the podcast or getting more information, if the first step is, hey, I want to get a pre approval. Go ahead and get it done. Reach out to a loan officer, get your pre approval, get the documents needed, get the right information that you need, and then start writing offers on properties, or contacting Keith and his team, their GRE mentoring team, and ask for property values. And once you find one, and again, you're never going to find the perfect property. Once you finally say, hey, this fits enough. Jump on it. You should be excited. I mean, again, once you're doing the right thing, you can learn to do things right. And slowly, kind of say, Hey, I made a small error there. Hey, I made a small error there. But at the end of the day, you move forward and you're ahead of where you started. I think that's the most important thing.   Keith Weinhold  21:59   Yeah. I think uncertainty stops. Some people, maybe even uncertainty with the larger economy. Or maybe people just look for excuses for inactivity. Sometimes there will always be some uncertainty out there. And what you do when you make an offer on a real asset is you just made some certainty in your life. Yeah, just talk to us more about the process of kind of you started with your first property and then growing that portfolio. And what did you learn between the first one in that second, third, fourth and fifth one, where you are now   Speaker 2  22:32   after buying my first one, when I received that first rent check, after that first rental property, my net cash flow after management expenses, putting a little, you know, VIMTIM, keeping an extra 10% away to just keep in the bank in case something came up. I wish cash flowing at the time. $231 doesn't sound like a crazy amount now, but as a 22 year old kid and saying, Hey, I got this $231 without lifting a finger, felt amazing. I had this feeling, I'm out in Southern California. We had this burger chain called in and out. My double double burger and fries combo was about $6 at the time. And I said, no matter how bad things get, no matter how bad things get, that $231 I can buy an in and out meal every single day, as long as I own that property. I just had such an overwhelming feeling of, when can I get the next one? I immediately, immediately reached out to MidSouth like, hey, put me on the list as soon as I have money. You know what? Keith, it got fun. It got fun every time I got an email saying, Hey, here's another property. Like, wow, if I can make this deal work, that's an extra couple $100 I can have at the end of the month every single day. And now I live in my own apartment complex, in a unit in an apartment complex, but at the time, I rented out a room in a house, in a condo, just a single room, and by the time I bought my second rental property, all of my cash flow from my two rentals actually covered the full amount of my monthly rent living out outside of my parents place. And that just felt so so so amazing, because it was like I almost had no overhead. So all the money that I was making for my job was completely disposable that I could use to purchase other rental properties. And that was just such an amazing, freeing feeling to know that no matter what happened, I obviously as long as there's no vacancies or any kind of crazy issues there, that I would still have that flow of income coming in pretty much after buying my first one, all I wanted to do was buy more. Now, a big issue that happened was 2020 and 2021 there was very little inventory, so really tough and slim pickings, and I would have bought a lot more if I could find more deals. And now, thinking back, I should have, if anything, I wish I bought more.   Keith Weinhold  24:50   Gosh, I just love that Josh, that seminal $231cash flow from that first property, and how you rationalize that that could buy you in and out. Meal every single day, all month. If that's what you wanted to do with that first one, that's terrific. And yes, markets change. There's more inventory available now than there was in 2020, and 2021, mortgage rates are surely higher. You don't have as much competition. You might even get a concession or two when you buy since it's a more balanced market today than it was about four years ago, for sure. So every market cycle is different. When you realize you're paid five ways at the same time, there's always one side to play or the other. There's always so many variables that you get to deal with there. Have you had any certain issues with property management, or do you have any mindset about using a property manager remotely. I assume you're using remote management for these turnkey type properties. Is that right?   100% I've actually never physically seen any of my properties. Yeah, what you say is the best, essentially, your team that manages your property is the most important by far. Right? Right now, here's the thing, issues are going to come up. Regardless of what happens. There's always going to be something that breaks. Eventually, there's always going to be vacancy. Eventually there can be natural disasters, something's always going to come up. And the thing is, you can't get angry about the things that you can't control. If there is a vacancy that you know you vetted the tenant properly, and there was nothing to do if there is a natural disaster or if something does break down in your property that you couldn't have expected coming or that wasn't your fault. The biggest thing is, you can't get angry with it. You just have to know that you can deal with it properly, and having a professional team on the other side saying, Hey, we're going to handle it. This is an issue. Here's how much it's going to cost. We got a couple of you know quotes. Please approve one when you get a chance, and knowing that the other side will be able to execute on that and to do it for you, and that you don't have to fly out wherever you own your property and do it yourself physically, or have to call around and find a contractor to do it, it's a huge peace of mind, and having a property manager and a team that you can trust just makes it work. If I couldn't get a property manager that I trusted, I wouldn't own the property in the first place. It's just too much work.   I am the same way. I also have not seen the majority of the properties I own. I've never seen them physically, in person, yeah, having a professional property manager, they provide a buffer, and they help keep this investment unemotional for you. And Mistakes happen when people get overly emotional about their properties. Some people are reluctant to hire a property manager, Josh because they don't want to pay the eight to 10% property management fee, which can actually be a little bit more than that effectively with leasing fees. But people feel that way, as oftentimes they're confining and limiting their search to their own local market, which probably isn't investor advantage. So they don't have enough of a cushion in their pro forma, in their profit and loss statement to pay for a property manager. But when you buy in those investor advantage places where you get that high ratio of rent income to purchase price. There you have the allowance to pay for the manager too,    Speaker 2  28:06   100% and luckily, because I have my foundation of real estate from listen to your podcast, I never even look at a deal without factoring in the fact that there will be management. I have never, ever even possibly considered self managing. It just makes no sense. I'd rather, let's just say it's 10% and a month's worth of lease, which is a little bit on the higher end in terms of management fees, right? Even if I were to do I would factor that in 100% of the time if the deal doesn't work, if it doesn't cash flow, if it doesn't, you know, appreciate a certain amount, if it isn't in my ballpark, with the management fees taken out, that's not even the deal that I'm looking at. It's just too expensive.   Keith Weinhold  28:47   Yeah, that's a great way to think about it, keep it unemotional and make it all relatively passive. I self managed for the first six or seven years of my real estate investing career, but that's because I was only investing in my own local market, and I was thinking small, and I didn't learn about finding the best investor advantaged places nationwide. Well, just as we wind down here, is there any last thing that you'd like to let the audience know or to tell us, I know before we recorded, you had talked about how really, your Daydream is more realistic than you think, and the motivation behind getting started. What do you want to leave with? Josh?   Speaker 2  29:22   You say it after every podcast. Don't quit your Daydream. I've been hearing that for eight years now at this point, and it really is, I don't have a day job. I pretty much only work when I feel like it. The majority of what I've lived off of is the income properties that I've bought and the lifestyle that I've crafted. It's so freeing. No one's telling you what to do. You don't have to go somewhere every day. You can spend time doing what you want. When I first quit my day job, and, you know, went into this semi retirement, I'm not gonna lie, I play video games eight hours a day for months, or maybe a month or two. I don't know if that's the most productive. It. But the fact that I could do that, I could obsess on crazy hobbies for a while was crazy. But one of the most important things to me of being able to reach this point in my life is I'm starting to get a little bit older. I am able to spend time with my family. I am able to spend time with my grandparents, and, you know, just like on a Tuesday or like on a Wednesday, just when nothing's really going on. Just being able to stop by and say hi to my family and spend time with them is something that I'm so blessed to be able to have, and not many people can do. And then the last thing I'd like to say on that is just, there's very small things in the world that a lot of people don't get a notice. Because I feel like everyone's in a rush all the time, and a lot of people are. You know, if you're working 40 hours a week, nine to five, you know, nine to six, there's not much time. But the other day, I was taking a small hike, and I saw a group of lizards. I thought they were cool, so I looked at the lizards. I spent maybe 15 minutes watching the lizards. I wasn't in a rush, you know, I could just enjoy the small things in life, and that's one of the best things in the world to just have that sense of not being in a rush. And I feel like investing in real estate and having that passive income and having that level of freedom. To me, that's what my Daydream is. There's nothing better to me.   Keith Weinhold  31:14   the simple pleasures about not having your time so confined that you could enjoy looking at lizards for 15 minutes. I love the small stuff like that. And does this mean Josh? I mean with five rental properties that you only need to work part time rather than full time, because usually five properties don't allow someone to completely leave the workforce.   Josh Fang  31:32   No, not at all. I definitely do things on the side. I still do loans for friends and family. I do some other stuff on the side, but it's more of that my basic needs are met for the most part.   Keith Weinhold  31:43   That's terrific. You've got more latitude to live and having a life of options Trumps having a life of obligations 100% Well, hey, it's been great hearing your story. Josh, loved having you here on the show you're listening to get rich education. We got to know listener. Guest, Josh Fang more, and we come back with another listener guest, profile, I'm your host, Keith Weinhold.    The same place where I get my own mortgage loans is where you can get yours. Ridge lending group  NMLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Caeli Ridge personally. While it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866.   Jim Rickards  33:49   this is Arthur Jim Rickards. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  34:05   our next listener guest has an uncanny amount of similarities with me, like me, he was a geography major in college. He had humble beginnings in upstate New York, not far from where I grew up, in upstate Pennsylvania. He's a huge believer in real estate pays five ways, and he loves world travel. His first job out of college was, in fact, traveling the world, playing basketball against the Harlem Globetrotters. We sure don't have that pro basketball part in common. He owns dozens of units across seven states today. He's listened to GRE for six or seven years, and he was a corporate guy living in California who thought the book Rich Dad, Poor Dad was fiction, until he experienced the rapid appreciation of he and his wife's first primary residence. And after that appreciation, he knew he had to acquire more real estate. Prices were too high in California relative to rent, so he. Went out of state, and he had just one property for five years to learn that was pretty similar to me as well. And then he saw tremendous opportunity after the GFC hit in 2008 and that really put him on a path through experience the five ways real estate pays over time, and he became convinced that there's not a better risk adjusted business model that's easily accessible to the average person. Hey, welcome to GRE Nate O'Neil   Nate O'Neil  35:25   Keith, it's great to be here. I've been, as you mentioned, a long time. Listener. Really appreciate the content that you put out, and excited to be on the show   Keith Weinhold  35:32   and you're no longer playing like zero defense basketball against the Harlem Globetrotters. You work in the solar industry now. I know that you sell to single family rental REITs. That's really interesting. And one thing that real estate investing lets people do is think differently about their w2 jobs. So tell us about how that manifests with you. Nate,   Nate O'Neil  35:56   growing up, you know, the first 25 years of my life, 24 years or so, my identity was wrapped up as an athlete, and, you know, something I could really get excited about eventually, that had to come to an end, and started working in the corporate world. So did that for a little while, and got going. It really, you know, didn't resonate with me that much. But, you know, I had a wife, and I had some kids on the way, so had to keep grinding it out. And, you know, as I did that, I discovered real estate, and what really helped me with that was I saw the corporate world began to be a vehicle to grow my real estate portfolio, right? Instead of it being the desk jockey in the cubicle, my corporate job was okay, this is the way for me to raise capital and get the best loans to build a real estate portfolio so, and it's ironic, because as that kind of evolved, I gained, you know, more appreciation for the corporate job, and it didn't, it wasn't so burdensome. And I know there's probably a lot of people out there right that feel that way about their job, but you can probably do a mindset shift and say, hey, you know, this can serve me in other ways and it not be such a grind.   Keith Weinhold  37:03   That's a great way to think about it. While you have that job, it sure is an asset in helping you qualify for loans. Right before I quit my job, I made sure I qualified for as many loans as I could, because I sure would have had a hard time getting them immediately after leaving my job, before I built income or build up passively from something else. It's funny, when you're in the corporate world, you're in this context of normalcy. So many people that you know are working. You're around your coworkers all day. They're working, and if it's something you're not passionate about, yeah, you still don't question it, because it takes on that context for normalcy. But once you leave your job, it feels bizarre that anyone would ever show up and spend five of their seven days and most of the waking hours of those days doing something that they're not passionate about. Now maybe you are passionate about what you do. That's where the mindset that I think through there, but that's a good way to help a person feel a little bit better showing up at their job, even if it is a soul sucking job. Nate. So talk to us about this more with this sort of power of purpose that you had, and when you are working your day job, you probably do some living below your means in the short term, but a lot of people just do that decade after decade and grind it out. So how do you think about that with the mindset in this sort of capital formation stage, in order to acquire more property while you're working?   Nate O'Neil  38:29   Like I said, it was an opportunity that the job became an opportunity to fuel the real estate business, which, as you mentioned, I saw that opportunity in 2009 right when prices were low, when interest rates were low, when there was a bunch of nice new foreclosures on the market, I saw the it created a sense of urgency in me, right? So I was like, All right, let's go to work, because the work's going to drive that capital, and the capital is going to allow us to acquire more and more of this real estate, which is, again, something I was passionate about, because we had this just that one rental for that five year period, I saw the power of what it can do over the long term. And when you have that purpose and that clarity, then all the minor stuff that you can get wrapped around and can kind of slow you down, really doesn't matter you have that big vision and that big goal that you're going after that really kind of drives you    Keith Weinhold  39:20   now, before we got started today, I learned that you have a few ways of thinking about how real estate investors can have their cake and eat it too, more tactically. Here tell us about that. And of course, what is the point of having cake if you can't eat it?    Nate O'Neil  39:33   Yeah, for sure, worked in some different industries and some different companies, and seen a lot of different business models. I've never found anything where you can have kind of both sides of the cookie here, or hack cake eat it too. You can depreciate an appreciating asset. The government allows you to depreciate homes, right? Which gives you a nice tax benefit. The money that I make that my corporate job is taxed at a much higher rate than my real estate income, but yet the asset actually appreciates. Dollars. So you depreciate an appreciating asset. I think people underestimate the power of the 30 year mortgage, right? You can lock in an interest rate today for 30 years, and if interest rates go up, you did a great job. You locked in a great, great rate. If interest rates go down, you're a champion. If you just refinance, when you do a 30 year fixed rate mortgage, the lender is committing to you for three decades, but you don't have to commit to them. So again, have your cake and eat it, too. And then you know the whole return on amortization that you talk about, Keith, yeah, when you get to borrow money that you don't have to pay back, in essence, right? The resident that's in your home is paying that money back. So people think about they hate getting bills in the mail. I actually love getting my mortgage statements in the mail. Every month I go through this little ritual, I look at it, and my process is, wow, how much was that principle paid down? Right? I didn't pay it back, right? The rent payment paid it back. So what other scenario can you borrow money that, quote, unquote, someone else is paying back on your behalf,   Keith Weinhold  41:02   that ROA, that return on amortization, also known as principal pay down. Where, yes, you get that statement every month, and you get to see how much a stranger paid down for your property. It's basically a stranger every month is faithfully funding an illiquid savings account for you,   Speaker 3  41:22   it's just incredible. And then the final way I kind of think about having your cake and eating it too, is, is this HELOC strategy. So over time, as you build equity in your portfolio, you can take out a home equity line of credit, right? And the beauty of a line of credit is you open it up and you don't have to make any payments if you don't use the money. But when there's an opportunity, you can pound for that opportunity. And this is what we did in 2020 and 2021 we acquired some new construction fourplexes with HELOCs. And when in using the HELOC strategy, you're able to use every single dollar to keep the balance low. And what it does is it creates this virtuous cycle of increasing cash flow, because it's a line of credit, and you pay off against that, that line of credit, if you need the money back for an emergency, or if a better opportunity comes up, then you basically just pull more off that line of credit. But if you don't have that opportunity of that emergency, then your money is fully working to keep that payment low, which increases your cash flow, and again, it creates that virtuous cycle of of increasing cash flow, which you can use to pay down the HELOC. Even more   Keith Weinhold  42:29   I see no downsides to getting a HELOC to getting a line of credit against your existing primary residence or your rental properties, whatever they are. It's like this flexible credit card where you're drawing on it with your property as collateral, and it's at lower interest rates than a credit card is going to be. And you also have interest only flexibility, meaning even if you draw against it, and you do have a balance and you need to make a payment, therefore you can pay as little as only the interest portion if you want to. In fact, when I bought my first fourplex in order to fund my second fourplex, I took a HELOC second mortgage off of that first one. Love the HELOC really can't think of any downsides with at least having it there. And then it's up to you as to whether you want to draw against it or not. Absolutely talk to us more about you're another out of state investor based in high cost California. There. It sounds unusual to lay people, but here we are as successful investors owning these properties, typically that we have never seen out of state. Are you in that category as well? And talk to us more about the out of state investing experience   Speaker 3  43:40   I've only ever seen one of the units that I own, the rental units that I own, and I actually think it's a huge advantage, because if you're seeing them driving by them all the time, there's probably little nits that you could point out, and, you know, you get some kind of emotional attachment to them. The way I look at it, it's two things. Number one, it's the spreadsheet behind it, right? What are the numbers behind it? What is my mortgage payment? Is there Hoa, taxes, insurance, all that stuff, and what is my rent? And obviously, I'm all about cash flow, so that rent payment has to cover all the expenses with a little extra. The second piece of it behind the spreadsheet is the person managing it right? And I've been very fortunate over my years of investing to find some really quality property managers who I know I can trust. So, you know, absolutely, I mean, developed an ability to hire the right people to manage the property, and they handle just about everything, and I just need to be there, available for them if they have questions for me or decisions I need to make. Fully trust them. I have only ever seen one of the units that I own, and you know, never really planned to go out and visit them.   Keith Weinhold  44:44   You do like to travel, but just not necessarily to your 200k turnkey single family home in the Midwest, in the south, not where you want to stay. There are some advantages and some disadvantages of owning rental properties, say, four blocks from your home. One of the distinct disadvantages is, yeah, you might get that emotional attachment to it. You might get bogged down in inconsequential things. You might drive by and see that the hedge needs a trim. How much of a problem is that really?   Nate O'Neil  45:14   Exactly it, as long as the spreadsheet behind it is spitting out the right numbers, and you have someone that you can trust that can handle anything that that's major, or any tenant issues that's all that's really relevant.   Keith Weinhold  45:26   Has our investment coaching helped inform you at all? Helped you find properties or give you inside information or access to deals or other support?    Nate O'Neil  45:35   Yeah, I have had a conversation with Naresh. One of your investment counselors doesn't, haven't necessarily acted upon that. But, you know, I can say over the, you know, six to seven years that I've been listening to your podcast just understanding kind of the macroeconomic guests that you bring on in the markets that we believe, you know, are good for investing. Like that, information has been extremely valuable to me over the years.    Keith Weinhold  45:57   Our coaches are really deal scouts here in today's market. For example, things are just so much different than they were during the 2008 GFC years. There are always deals in every cycle. You typically just need to shift and find out where those opportunities are. Are there any specific niches or opportunities that you're exploiting today in this particular cycle? Nate   Nate O'Neil  46:19   yeah. So it's really interesting, and I've been spoiled, right in terms of the times when I did a lot of my acquisition back in 2008 we knew it was good, but looking back, you realize just how good it was at that time, and frankly, now is very challenging, right? I mean, affordability is the worst that's been in 40 years. Yeah, right. So you have to be really creative. You know, one of the things that I did recently was I learned how to do a loan acquisition. So assuming a loan can be very helpful, right where you're not dealing with today's interest rates, you can get yesterday's interest rates on a property. So that's been one thing, and one thing I continue to look at. I also believe that I've been focused on single family in some four plexes. I'm looking at smaller multifamily because what I've learned is there's opportunity when there's debt disruption, right? The great financial crisis happened because there were atrocious lending standards leading up to that time, right? So that opened up a window of opportunity. That opportunity is closed. Acquired some fourplexes in 20 and 21 when interest rates were unbelievably low, right? Basically, the Fed funds rate was basically zero. That kind of unique debt situation allowed me to acquire there and now, right? Since 2022 interest rates spiked so quickly, the way I think about it is the debt disruption period, there's probably some acquisitions that happened with, you know, three to five year short term loans that are going to be coming due, and those acquisition are facing payments that are going to double. So there could be some motivated sellers, not in the single family right, where you have 30 year fixed rate or 15 year fixed rate, but in those small, multi family loans, where they have those short term variable rate debts. So that's kind of how I'm thinking right now.   Keith Weinhold  48:05   That's perceptive. It's something I brought up on the show a month or more ago where apartment buildings have got to bottom out at some point those being sensitive to those shorter term interest rates. Well, Nate, this has really been helpful. You've given our audience quite a few things to think about. Is there any last thing that you'd like the audience to know?   Speaker 3  48:25    We talked a little bit about purpose, like that's very important. There is no better way, in my opinion, to build wealth for the average person, no more predictable way risk adjusted, to build wealth for the average person. You know, for the listeners out there. It's great that you're consuming this content, and if you can find a purpose behind it, then it'll help. And the other thing is, get clarity, right? There's a lot of different things you can do within real estate investing, but get clarity on what works for you. And the way to do that, frankly, is just kind of sit and think, I think, you know, especially in today's day and age, there's so many stimulus coming at us, from social media to everything that there's a risk of not being able to get clear. One of the big things that helped me during that, that period of, you know, 2009 to 2015 when we started to scale, was I was very clear about what we wanted. I had a buy box that was, you know, homes built this millennium B grade neighborhoods, cash flowed $300 or more with no more than 25% down in markets with population growth, job growth and favorable rent to price ratios. And when I was able to communicate with the agents and property managers, I was very clear on what we wanted to do. They had clarity on what they needed to do to help us scale so purpose and clarity.   Keith Weinhold  49:41   That's great guidance a specific Buy Box. Yes, focus is harder to find, and it's really important today. It's amazing. Nate, how much work I get done when my phone is one room away, over on the charger. It's incredible how that works. Well, it's been good to get your insight, and it's been good to talk to a guy. That might know the capital of Argentina much like I know a fellow geography guy and real estate investor. Yeah. I really want to thank you for sharing your insight with the audience today.    Nate O'Neil  50:11   Nate, I hope it's valuable for you in the audience.   Keith Weinhold  50:20   Oh yeah, good, relatable material this week, the first guest, Josh, also talked about how he took out a low interest rate car loan. So he held onto those funds rather than handing them over to an auto dealer, stayed liquid and used it for income property, creating a yield for himself that beat the car loan interest rate pretty smart. And before you do that, you do want to be sure that you've got enough liquidity to serve as debt. And then Nate the second one, the more experienced investor, reminding us that deals are not as good as they were coming off the global financial crisis. And he's right, but I still don't know of a better risk adjusted return today, like me, they both use professional property management. I mean, you do have the option of self managing your property remotely that you get from GRE marketplace. But of all the things in the world that you can learn about, even all the things in real estate investing that you can learn about, is self managing really what you want to spend your finite resource of time learning about. Even if you've got good tenants, you're bringing more intrusion and interruption into your life. Property managers don't just protect your asset, they protect your time. Big thanks to GRE listeners, Josh Fang and Nate O'Neil today until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 4  51:50   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  52:14   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you'll also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre to 66866, while it's on your mind, take a moment to do it right now. Text, gre to 66866   The preceding program was brought to you by your home for wealth, building, get rich, education.com.    

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