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Title: Inside the Secret Network That Billionaires Use to Pay Zero In Taxes with Alex Sonkin Summary: In this episode of Raise the Bar Radio, Seth Bradley welcomes Alex, founder of the Due Diligence Project, to discuss the massive blind spot in tax strategy among CPAs and how his peer-reviewed CPA community solves that. Alex shares how traditional CPA firms, despite servicing ultra-high net worth clients, are often unaware of the vast number of advanced tax mitigation strategies available. His platform introduces vetted tax strategies reviewed by hundreds of independent CPA firms, much like an Amazon or Netflix model for financial services. Rather than relying on static, siloed in-house teams with mediocre solutions, Alex's vision is to empower CPAs and family offices through a Virtual Family Office model. This allows affluent individuals (not just billionaires) to access world-class, peer-reviewed tax and financial planning strategies while maintaining their trusted CPA relationship. The conversation emphasizes humility, proactive due diligence, and massive action as critical principles for success in tax planning and entrepreneurship alike. Links to Watch and Subscribe: https://youtu.be/v8RSrMRslHU Bullet Point Highlights: Most CPAs, even in top firms, are not deeply versed in advanced tax mitigation due to limited time and exposure. The Due Diligence Project functions as an independent, peer-reviewed network, allowing CPAs to tap into the collective knowledge of hundreds of top professionals. Traditional large CPA firms and Wall Street structures are siloed and don't provide open-source best-in-class strategies. The future CPA firm is a Virtual Family Office — proactive, advisory-driven, and built with world-class independent specialists instead of static in-house teams. The Virtual Family Office model brings elite wealth management strategies to affluent individuals (e.g., $10M-$50M net worth), not just billionaires. Humility, curiosity, and willingness to collaborate are essential for CPAs and advisors to truly serve clients at the highest level. Success requires massive action and consistent pursuit of better solutions — complacency kills innovation and wealth creation. Transcript: (Seth Bradley) (00:02.094) What's up, Builders? This is Raise the Bar Radio, where we talk about building wealth, raising capital, and all in all, raising the bar in your business and your life. This is the No BS podcast for capital raisers, investors, and entrepreneurs who are serious about scaling their business and living life on their own terms. I'm Seth Bradley, securities attorney, real estate investor, and entrepreneur, bringing you world-class strategies from the best in the game.   If you're ready to raise more capital, close bigger deals, build a better you, and create true financial freedom, you're in the right place. Let's go. Alex, what's going on, brother? Welcome to the show.   Seth, thank you so much for having me. It's a pleasure.   man. Fellow San Diegan. So, appreciate that and appreciate that you you love the weather like I do.   best weather in the world, All of San Diego County, even if it gets like 10 degrees hotter, it's as good or as better anything else on the planet.   (Seth Bradley) (01:05.698) Yep, yep. Sometimes you gotta go outside of San Diego for a little bit to appreciate it because you forget that every single day is fantastic.   We're not going to get into the June gloom and the May gray because people outside of San Diego, don't want to hear that. uh, know, we get to complain between each other. everyone outside of San Diego, were like, we don't want to know about any of your problems.   Right, Exactly, exactly. All right, man. Well, let's just jump right in, Tell everybody a little bit about your background, about your story, and take it back as far as you like.   Sure, graduated University of Michigan Business School undergrad and became an options trader in Chicago as a member of the Chicago Board of Trade, the Mercantile Exchange, Chicago Board of Options Exchange was a market maker down there for many years and came up with a couple ideas and moved to California. What we do now is we have the largest independent peer review community of CPA firms in the country. We support   hundreds of CPA firms who basically introduced their favorite resources, favorite tax attorneys, favorite strategies. And then as a community and independently, everyone independently vets out every strategy, every resource. And we rank and rate all of the strategies, all of the resources. Very similar to what you'd experience in Amazon or Netflix or the streaming services when you watch a movie or you buy a product on Amazon.   (Alex Sonkin) (02:35.534) you're going to go look for the 4.9 out of five stars and do a quick price comparison. So what we did is we've created essentially an independent peer-of-view ranking and rating system for sophisticated tax strategies and then cost mitigation strategies because the tax code is just way too big. No one knows how many pages there are in the tax code. It's constantly changing. we basically, we didn't even know we were doing this at the time because all we were doing was   putting together advanced tax planning institutes, filling them up with CPA firms, bringing speakers, specialists on to present their ideas. But the magic was happening in the hallway conversations between these tax attorneys and the CPAs in these Q &A sessions. And what we realized was that traditional CPA firms really have no clue how many pages are in the tax code, have no idea how many strategies there are that are available to them that have been fully vetted.   And they don't have the time and the resources to fully vet those strategies out. So we just realized we were onto something and we kept building and building and building. And we just had an event. Our last couple summits, diligence project summits had close to 700 CPA firms on one, close to 847 was our largest summit.   The more eyeballs, the more tax-focused CPAs are looking at the strategies and vetting out the strategies, the more refined the due diligence is and the more new resources they're able to introduce to our network. So we're able to go deeper, wider, and more refined in our due diligence when it comes to tax planning.   Yeah, that's awesome. So you you analyze and put a score on the actual strategy itself as well as the firm.   (Alex Sonkin) (04:25.76) Yeah, everything, right? Because you and I both know there's so many moving parts in our business. And when a CPA firm is dealing with their most, their highest net worth clients, billionaires, centi-millionaires, multi-millionaires, and they have, they're selling an appreciated asset, whether it's real estate or their company or shares in another company they've invested in, they want that sale to be tax efficient. Then they might want that money to be invested in other   parts of their portfolio. want that transition to be efficient. They want all the estate planning to be efficient asset to all these different moving parts. But the area where most CPAs and attorneys are the weakest is in the income tax mitigation part. There's a lot of decent estate planning out there, asset protection, other planning. It's really the income tax mitigation part where very few people are excellent at this.   Financial advisors, attorneys have very little experience with tax court, with audit. They should really not be involved in income tax planning. The CPA firms are the ones who are signing the tax returns. They have the experience with audit. They have the experience with tax court. But they're spread so thin just trying to produce tax returns and financial statements and meet all of the deadlines that they have to meet throughout the year. There's actually very little time for them to do proactive tax planning.   and to complete due diligence and even start the due diligence on a tax strategy. Where do we start? Who do we call? How do we find out if the client's going to go to jail? If there's issues with this? They really need to get their confidence level up at a very high level before they call their clients that you really need to look at the strategy and do this. So that's where we really live is we really there to support the tax focused CPA or the family office that's supporting that.   that ultra high net worth family that's led by a tax focused advisor, hopefully a CPA with at least 10,000, 50,000 hours of experience in auditing tax court, where they could look at the notes, look at, part of, join the due diligence project community, look at the notes, look at the strategies, meet the specialists, communicate with other CPAs in our network to really understand the risk reward of.   (Alex Sonkin) (06:48.088) the strategy when it as how it compares to other possible strategies or combination of strategies to bring to their client.   Yeah, yeah. I mean, I love the overall idea of kind of this Amazon marketplace for CPAs and tax firms and tax strategies. It's like, you know, I know when I'm looking for a new accountant or a new CPA with a different group, with a different real estate group or something, you know, I might have done some good business with one CPA and then some that I did not. And I don't have a consistent person to go to at this point. And it also depends on what we're talking about, right? This, the, the speciality of it. it's a   if we're talking W-2 tax mitigation or we're talking about real estate investment or we're talking about some sort of high cash flow entrepreneurial venture, it really depends. One CPA can't necessarily do all that. Maybe a large CPA firm that has all that stuff in house for sure. But when we're talking about your one CPA that you know that's been filing your tax return for the last 20 years, they're not very specialized in these sorts of things.   Here's what's interesting, Seth. You made some interesting points here. Here's what's interesting. Traditionally, people say, I need a CPA. My current CPA firm is not doing the job. That's kind of par for the course. They don't know what's wrong. They know something's wrong because they know that a lot of billionaires aren't paying any taxes. They're paying this 30, 40 % of their income in taxes. They feel something's wrong. So, I need a new CPA firm. So, what do they do? Hey, can you find me a great CPA firm that's local to me? Why is that important?   Why do you need someone that literally that is that's local to you right away? The business owner is already messing up. That is not the most important thing. Okay, then they'll want someone Okay, forget distance. I'm okay with just meeting them virtually. They need to be a specialist in real estate. That's fine Okay, you've got a real estate portfolio there, especially in real estate, but really That's that's a that's another that's a good question, but it's not the best question. It's not gonna get you to the promised land   (Alex Sonkin) (08:52.366) How fluent is that CPA firm in tax strategies? Are they plugged into a network like ours where they have hundreds and hundreds of independent CPA firms, former partners of KPMG, Deloitte, PWC, Ernst & Young, all proactively vetting strategies and introducing, unless you're part of a due diligence network like ours, you might be part of a very, very large CPA firm.   that also is part of other groups, other associations and none of them know, you know, three, four, five different strategies that would be perfect for mitigating taxes in a specific situation. So going to a large firm that has lots of in-house resources, are those resources the best? Do they have access to the best tax attorneys in the country? If those attorneys are in-house working for a CPA firm,   Or let's just say they're working for Jeff Bezos and Jeff Bezos' family office. Seth, do you think the best tax attorney in the country wants to be W-2 working for a CPA firm or working for a family   Right, right.   No, no. So right away, you've already discounted. You are not going to work with the best tax attorneys in the country. You're going to work with a static, the best attorney that's willing to be W-2, working for a CPA firm, working for a family office. If you look at the top 1000 tax attorneys in the country, you might now be working with number 945. Is that what you want to be like? No, no, no, we're fine. Our tax   (Alex Sonkin) (10:29.484) Our tax planning is done by my CPA and they've got this tax attorney that's the 945th best tax attorney in the country in their space. It's like saying, I'm building this orchestra and my trumpet player, instead of getting the very best trumpet player in the world, I have the 945th best trumpet player playing trumpet. You want to put that on your website? You want to market that? think your client's going to be like, this is going to be awesome. I'm going to have the 945th best.   You   (Alex Sonkin) (10:59.138) Resource in that space giving me planning ideas. Whereas I'm a business owner I've had to get to this point to have a tax problem here to overcome all these challenges and now you're gonna bring me a tax planning solution. That's like D minus That's what's going that's puts par for the course. This is what's going on. What we know is 18 % of Fortune 500 companies are zeroing out their tax returns Okay, just listen to this 18 %   of most profitable companies in the world have a team of attorneys and CPAs that zero out their tax return. That means 82 % have no idea what they're doing on a relative basis. those 82%, we're talking about 82 % of the most profitable 500 companies in the world. What we're saying is their tax planning from our vantage point, it's not that it's not good.   It's like average to below average, whereas their revenue and income is off the charts. That's like a big problem. It's like saying, you know what? We have a basketball team where our point guard, our forwards, and our two guard are really good, but our center is like garbage. You know, we've got like a high school level center, and then we have all-stars at all the other positions. That's not gonna work.   Yeah, yeah. mean, why is that? I mean, it's like, you know, they should have access to the best resources. They should be getting advised by the, you know, the top experts in the industry. But, you know, they're just not. Are they not putting the effort? Do they not have access? Do they not know, like, what's the...   Because the difference is when you look at Amazon and you look at Netflix and all the other streaming services that are providing an independent peer-review because back before Amazon and Netflix we had Blockbuster video and we had Barnes and Noble right and we did do diligence very differently going to all the different Blockbuster videos going into Blockbusters and Noble trying to find a book to buy right it's very different experience now we live in this very different world now with   (Alex Sonkin) (13:09.196) independent peer review and all these things. However, the financial services world was created by who? It was created by people like Bernie Madoff. It was created by Wall Street, right? So everything in the financial services world is really created by Wall Street, people like Bernie Madoff. And so Goldman Sachs doesn't want you to know what Morgan Stanley is doing. Morgan Stanley doesn't want you to know what JP Morgan's doing. And so really the financial services realm is   is kind of built in silos. No, come into the Goldman Sachs silo. Come into Ernst & Young. You don't need to worry about what our competitors are doing, what these other CPA firms are doing. We're Ernst & Young, we're Goldman Sachs, we're JP Morgan. You can have the products and services that we have in our back room. So essentially, when you look at JP Morgan, Ernst & Young, Pricewaterhouse, all these huge shops, they're just stores with back rooms. And it's like shopping at a store.   It's like going to Toys R Us. What do we have in Toys R Us? Well, what do we have in our back room? Whereas when you walk into Amazon, what do you have? When you walk into Netflix, you have the full scale universe, open source. So what we've done is we've basically taken the financial services industry and we've created this open source peer-reviewed model. And we started with sophisticated tax planning because that's where most people are really, really bad at it.   And then we've added cost mitigation and other resources. You know, we're not trying to compete with asset management and money managers and all those other, know, certainly we vet those people out. But, you know, there's millions of people that manage money and our financial advisors. And certainly we do our vetting and due diligence on those people. Where we really differentiate ourselves is the income tax planning resources and solutions. Because what we found is the top biggest   most profitable, most famous CPA firms and law firms, that's their blind spot. That's where they're really, really bad because they don't know how many are in the tax code. They don't have the time and the resources and they don't know who to call to actually start and complete a successful due diligence process for sophisticated tax structure.   (Seth Bradley) (15:29.708) Yeah, yeah. So when you say independent peer review, what exactly does that look like? mean, walk me kind of through that and how that works.   I'll show you like this is what you and any let's say if you're a real estate investor right and you're about to sell let's just say a 10 million dollar asset that has nine million dollars of gain in it you're gonna do the same thing that we've done if you're smart what are you gonna do you're gonna go out there and be like what are all the tax strategies that are possible to help me mitigate this huge tax liquidity event right then you're gonna get a bunch of ideas and then what are you gonna do   You're going to show those ideas to your most trusted financial people who are probably your CPA, your lawyer, your advisors, all these other people that you think are financial gurus and really most of them are not even qualified to comment on the tax structure except your tax-focused CPA who has at least 10,000 hours of experience in audit and tax courts. So really you should only bring this to your CPA. But now you brought it to your attorneys and your advisors.   So they're all going to comment on it because they're financial experts even though they have almost zero experience in auditing the tax court. So what do these people do with this idea? Some of them will like, oh, I don't know, just pay your tax. So you're going to get all sorts of answers. Now, you're the business owner. You have no idea how to quantify these answers. So you're really the tax expert trying to manage all this information and trying to be like, what do I do? And what are you going to do?   you're gonna basically go with what your CPA kind of tells you that they're comfortable with. Now your CPA doesn't know all the strategies, so they might know 10 % of the possible strategies. So you're gonna go with the most comfortable strategy that your CPA is comfortable with, that they've completed their due diligence on, which may be strategy number 443 out of the possible thousand strategies that are out there. And now you have the 443rd best idea.   (Alex Sonkin) (17:35.522) that you're implementing and your ROI on that is going to look just like that. Meanwhile, it's taking you all this effort to create $10 million of asset and it's going to take you just like this to completely give away the tax on that because your CPA is not plugged into an independent peer review environment where they can work with other CPAs who have experience with other resources, be able to ask your questions, get your questions answered, maybe ask another round of questions.   But really at that point, you really need to be dealing with the thought leaders in that space, not some local attorney or other CP that also has no clue what's going on. It has no idea how many pages there are.   Got it. So when somebody comes to, you know, they have that issue, right? And they're trying to find the right CPA that can help them with that specific situation and find that number one best tax strategy. You know, what do they do? Do they come to your website to try to find someone in the network? Because anybody in your network can tap into everybody else in your network and find that optimum strategy.   There's really two ways of doing it. They either find a CPA in our network, which is one of the easiest things to do, or they have their trusted CPA plug into our network and complete their due diligence. That's probably the best way because they are this way. This gives them another warm and fuzzy. Hey, I've had this relationship with my CPA for 20, 30 years. I really like them. I understand the challenges that they're under just because they haven't plugged into the network doesn't mean they're a bad CPA or bad person.   It's like having a, you know, I just bought a gold plated cell phone. It's the greatest cell phone iPhones ever produced. But if I don't plug it into Verizon, if I plug it into Bob's telephone network that only works in four locations in America, I'm gonna have this $5,000 cell phone that's basically just a brick that I could just use as a paper holder. But if I have a normal cell phone, I plug it into Verizon and I can make a phone call from anywhere.   (Alex Sonkin) (19:43.298) That's a much better experience. it's not the quality of it. It's partially the quality of the CPA, but it's more so the quality of the network. and certainly these, the CPAs that really are attracted to us are the ones who have these huge hearts that want to do the very, very best for their clients. And they know that they need to pick up every rock and flip over because they know their clients don't want tax returns and financial statements.   They need those. They don't want any of that. What they really want is proactive tax planning ideas. And what the CPAs don't have time for is that. So they have to create time. And we show CPAs how to create that time. We eliminate all, 95 % of the time. It takes them to complete the due diligence because we just show them the notes. We get them 90, 95 % there. Then they take the notes. They take the resources.   They jump into the tax code and then they complete the last 5-10 % of the due diligence process on their own because they're going to have to actually do a little bit of work to get this done. But we've reduced their time and increased their confidence level in completing this project by a factor of 10x, which is a huge value to them because they don't have the time and they don't have the resource to get this work done, but they want to get it   (Seth Bradley) (21:07.616) the interruption, but we don't do ads. Instead, know that if you're raising capital for real estate, my law firm, RaiseLaw, is here to give you the expert legal guidance you need to raise capital compliantly and structure and close your deal. And if you're looking for a done-for-you fund-to-fund solution, Tribest is the industry's only all-in-one setup and fund administration solution. Visit Raise.Law and Tribest.com to learn more.   Right. Yeah. And I can imagine it takes a certain degree of humility, right, from those CPAs to say, I don't know everything. I'm not just going to make up something. I'm not going to make it up. But I'm not going to do kind of half-assed research for a few minutes and tell you I know everything about the subject. Right? Like, I can admit that I don't know everything. I'm not an expert in every single tax strategy.   You nailed it. mean look we do a whole program about the ten pillars of extraordinary due diligence Curiosity is one of them independence is independence versus group think and you nailed one of those pillars. It's it's it's it's humility and You know being curious being humble when you're the tax expert as you know CPA that's been around for 30 years you like I've seen everything right? That's kind of how you feel   But if you have that idea, I've already seen everything. I already know everything. How many people, by the way, how many pages are there in the tax code? I have no idea. Well, that is that's not congruent. What's congruent is I've been in the industry 30, 35 years. Do I know the tax code? I don't know the tax code. It's constantly changing. I'm humble, but I'm working hard. Yeah, there are sections of tax codes that I know, but it would be awesome to be part of independent peer community of hundreds and hundreds of other tax geeks like me.   where we're chewing, know, we're eating this elephant one bite at a time and working together as a community. That's hard working humility. And if you think about it, those are the kind of people that are winning in every, in your profession, in my profession. Think about a basketball player. It's like the best basketball players, they are working to improve their game every day, every month, every year. As soon as you think, oh, I'm the best. Nobody does that. Kobe, Michael.   (Alex Sonkin) (23:25.034) Everyone was constantly improving their game every offseason even though they were achieving they were the grace of the world So when you see a CPA going, I already know everything. I'm not humble run for the hills You're in big trouble   Right, right. So I mean, I can see where this is. This could actually just change everything, right? I mean, it can change. Like if you get enough CPAs on this network and it's kind of the authority, the accepted way that things are done, it could really just change, you know, set the bar, right? So like, you know, where do you see the CPA firm or the future going? What does it look   Yeah, you know, we started out as the virtual family office hub. We're still the virtual family office hub. What we do is the due diligence project. So we've had a vision, you know, more than 15 years ago where the CPA firm of future, the CPA firm of today is no longer just a CPA firm, right? They're not just an accounting firm looking backwards. What does a CPA firm mean now? They're a proactive looking firm. So they're really   providing advisory services. They're bringing ideas to the table. That is not what accountants traditionally do. So right away, the CPA firm of the future in our world is a virtual family office led not by a money manager or an attorney or a financial advisor. It's led by a tax advisor who really has a tremendous amount of experience with audits, with tax court, with income tax planning.   that's plugged into this community. really let's build Wall Street underneath an elite tax advisor and let's give them vetted best in class peer reviewed resources for estate planning, money management, all the different resources underneath them. And let's make sure all these resources are trained to be part of a team that's led by the captain, which is the head of their family office. But in this case, it's a virtual family office because in our opinion,   (Alex Sonkin) (25:30.732) Like we said, the best people in the world don't necessarily want to be W-2 static living next to the family office or living next to the CPA firm that they support. These resources could be anywhere and everywhere. And it's like Lego pieces. Let's build out a custom build, a virtual family office with your favorite advisors, with your favorite CPA, plug them into due diligence project, and then maybe replace some of the resources with best in class peer reviewed.   I'm going to keep my estate planning attorney. I'm going to keep my CPA, but then let's build out the rest of my virtual family office with resources, specialists, specialized attorneys that my two estate planning attorney and my CPA need to help me do what I need to do and get from point A to point B.   Yeah, yeah, I love that. Let's let's unwind that a little bit. What what exactly is a family office? We have a lot of listeners that are, you know, high net worth individuals, wealthy, probably a high paying job of some sort. And, we still don't know what a family office is. Like, what is a family office? We hear about it all the time. People talk about it. You know, what is it? Is it just, you know, the Trumps and the Bidens that have them or what?   Well, look, when we first started doing this, we had to educate everyone. What is a family office? And there's still people that don't know what a family office is, and that's okay. So traditionally, what a family office is, is when a family or a business owner sells their business, and now they have a big pile of money instead of running their business where they don't need CFOs and C-level executives and marketing people. Now they have a big pile of money. Maybe they're building a real estate portfolio, private equity, various investments.   They, instead of having to make 17 phone calls, hey, I'm gonna call my CPA, I'm gonna call my attorney, I'm gonna call my advisors, they make one phone call to the head of their family office and their family office is gonna house their entire financial team. So their CPAs, their attorneys, their advisors are all part of a family office and there's usually a CEO of that family office.   (Alex Sonkin) (27:36.814) So that structure traditionally can cost anywhere from $250,000 a year up to $2,000, $3,000, $4,000,000 a year if you're dealing with very high net worth billionaires. our idea was to rebuild that structure and make it a virtual family office instead of a single family office or a multi-family office with everyone working W2 in a static place, was let's create a virtual family office environment where we can have a world-class tax attorney support   multiple virtual family offices led by CPAs around the country. And based on what their clients want and need, they may not need a full $250,000 or a million dollar yearly cost. Maybe they can have a family office with $50,000 worth of yearly expenses and they just need, you know, two, three advisors, six meetings a year, get their hands around what you're doing.   And they don't need check writing. They don't need a lot of these other services that maybe a ultra high net worth family needs where they just want to make one phone call instead of 17 phone calls and say, take care of this for me. In the virtual family office model, it's the same one phone call, except now the team underneath that person that's getting the call are vetted best in class peer reviewed resources who might be all around the world who will all get together on a virtual meeting.   to support the client when the client has, hey, I have a liquidity event or I have a tax event or I want to update my plan. Hey, let's bring the team together and let's look at all the moving parts and let's rebuild your plan. But now we're going to take advice and ideas from the smartest people in the world. We're all working together as part of a team.   Got it. Yeah. the virtual family office, makes it seem like that it offers wealth management, the best wealth management, more, it makes it more accessible to more people, right? Like not just billionaires, but maybe lower than that, right? Like maybe we've got $10 million or something like that and we can still get the best of the best.   (Alex Sonkin) (29:42.068) Exactly. And so our idea was, you know, you have these people who are worth $50 million and they can't afford a family office, but they want to, you know, the $50 million, they want to live life too. They want to be able to go play tennis. They want to give time to their synagogue, their churches. They want to do something else besides actually running their own, you know, basically overseeing their $50 million portfolio, which is a full-time job. the problem is they're not qualified to be doing that work.   Yet can they identify investments that they like? Sure. Can they identify the best planning around those investments? They're not schooled in that. So they really should not be involved in their family office. should identify a tax-focused CPA, have them build out a virtual family office for them. And then now they have the benefit of making one phone call instead of 17, which saves them lot of time. And they can now trust the fact that they have best-in-class peer-reviewed resources to give them the very, very best ideas.   So now what happens? Their confidence level goes up. So their time and planning goes down, confidence level goes up, the quality of the solutions goes up, and they're all of a sudden out, they can create a lot more wealth by doing world-class planning because we're seeing a lot of wealth just go away to state and federal governments and unnecessary taxes simply because the team does not know and has not completed their due diligence on all the possibilities.   That's we want.   Yeah, that's incredible, Alex. You know, I want to have you back on the show to maybe get into some of the more of nitty gritty stuff, right? Like what are some of these tax strategies that we might not know about or we might not hear about every single day because we tend to hear about the same ones over and over. And you've probably seen some pretty exotic ones, some very specific ones that people have never even heard of. But, you know, we're running out of time today. But, man, I would love to have a whole episode just kind of based on that.   (Seth Bradley) (31:40.91) But before we jump into the freedom four, you have one last gold nugget for our listeners.   Yeah, you know, just work hard, write your goals down, read your goals and update your goals. You know, there's a magic formula of being able to just writing down your goals, looking at your goals and just updating your goals. Be grateful. I know you get a probably get a lot of people just with gratitude and hard work and all that stuff. writing down your goals is something that very few people do. And of the people that write their goals down, a very high percentage of those people actually achieve those goals. So   simple way of getting successful and I do it and I recommend that little idea to every one of my friends and family.   Yeah, absolutely. you know, I think people sometimes they get caught up in, you know, the the mental stuff, they don't want to jump into that. But goal setting is more of a tangible thing. And all those things you hear about, like whether that's a vision board or affirmations or visualizations or setting goals, like it's all kind of the same, right? It's just even if it's like,   I want to update my tax planning. I want to have a better tax planning team. know, write that down. And every day you look down at all your goals and make them balanced. You know, some of it is they'd give back to the community, have strong relationships with my family members or have no relationships with certain families. I don't know, you know, what the goals are. But balanced goals where you're constantly reviewing those goals and then you're updating those goals. And every day you do something to take a step.   (Alex Sonkin) (33:15.278) towards achieving those goals. Those are little things. It's not a huge deal, but when you do that over time, there's a compound effect to it that is incredible that people just can't appreciate. It's been said, we think we can do a lot more than we do in a year, but we don't realize how much we can do in a five or 10 year period. It's incredible.   much we can do in a five or ten year period if we're just consistent every day for that period of   Absolutely, you get some momentum going over time. All right, let's jump into the Freedom 4. What's the best thing you do to keep your mind and body healthy?   I do strength training six days a week and I actually prefer using a rubber band training. This X3 bar program that's out there. There's a bunch of different competitors now, but it's like a 20, 30 minute training.   Nice, nice. With all your success, what is one limiting belief that you've crushed along the way and how did you get past it?   (Alex Sonkin) (34:18.968) Great question. You know, I think everyone experiences fears, fear of failure in different areas. And I think you have to attack your fear of failure. Whatever you're scared of, whatever's on your radar that's popping up as a fear, you have to literally identify it and attack it and just prove to yourself that you're really not scared of it.   Love that. What's one actual step our listeners can do right now to start creating more freedom?   They can take action. Action is the key. The real problem is people just sit around, they get in front of themselves. They're too much thinking, too much analysis. What I've seen is people who have achieved incredible, let's just say business success, those people weren't smart enough to know.   that how hard that business was actually going to be to build. They were actually not, if they were smarter, they would have never done the business because they were like, the odds of me actually achieving this business and creating it are so small. I'm just better off not doing it. They weren't that smart. So they just went ahead and jumped into it. And so what I found is just taking massive, massive action. Even if it's a failure, that massive action creates a pattern because it's going to   Success is going to require massive action. And when you have a pattern and know this is going to take massive action and it's okay if it doesn't work out, I'm going to go for it anyway. I'm just going to assume it does work out. So being positive, massive action. If it fails, boom, you learn something and you go do something else and you just keep taking massive action.   (Seth Bradley) (36:10.402) Perfect. Last but not least, how's passive income or entrepreneurship made your life better?   You know, I've been very blessed. 20 years ago, I came up with an idea based on a diet that cured cancer for my aunt, my mother-in-law. And I suggested to my wife and my mother-in-law that they start selling my mother-in-law's cookies that were based on a diet that cured cancer for my mother-in-law. And so now today, we have a company called Go Macro, MacroMars, that my wife and my mother-in-law built based on an entrepreneurial idea that   you know, that I had over 20 years ago. And as soon as we had a little bit of success in the beginning, I knew this was bigger and better than we had even thought of. And I just continually supported my wife and really just in every way I could to watch this opportunity grow. So to me, that's been my my passive, even though, you know, I'm married to this business owner, you know, supporting her and watching this idea grow and flourish into a really   Successful health food company called comacro where we sell these macro bars. They're super delicious   Yeah, that's awesome. Yeah, it's passive for you, maybe not quite as passive for her. I have the same issue with the gyms. You know, they make really good money and it's passive for me, but my wife is running those things, so no.   (Alex Sonkin) (37:31.174) Exactly, well you know she's had to be there to support you so yeah so for her it's passive and it's a great story for her and it's a great successful story for you as well. know how hard it is to build.   Yeah, awesome Alex. The list has been incredible, man. We're gonna let you find out more about you.   DoDiligenceProject.com or info at DoDiligenceProject.com. You can introduce your CPA to us or you can reach out to us if you hate your CPA and want us to recommend a great CPA for you that's already plugged into our...   Easy enough, man, easy enough. All right, brother, thanks for coming on the show.   Seth, it's been my pleasure. Thanks so much for having me.   (Seth Bradley) (38:09.986) Absolutely.   (Seth Bradley) (38:13.944) Thanks for tuning in to Raise the Bar Radio. If you enjoyed today's episode, make sure to subscribe, leave a review, and share it with someone who needs to hear it. Keep pushing, keep building, and keep raising the bar. Until next time, enjoy the journey.   Links from the Show and Guest Info and Links: Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en   Alex Sonkin's Links: https://www.linkedin.com/in/alexsonkin/ https://encoursa.com/presenters/alex-sonkin https://www.facebook.com/asonkin/

Zoe Leigh (Co-Founder, Chicago Flips Red) and Lanetta M. Thomas (CPS Board Candidate, District 9) join to talk eminent domain, CPS politics, crime, missing millions, and why Chicago's future matters for Lake Forest & Lake Bluff.Why should Lake Forest care? Because Chicago drives Illinois. When businesses close, taxes rise, or CPS sets new standards, the ripple effects hit the North Shore. Lake Forest's economy, schools, and safety are directly tied to Chicago's direction.About Zoe Leigh

WBBM political editor Geoff Buchholz has a preview of today's Chicago Board of Education meeting.

WBBM political editor Geoff Buchholz has a preview of today's Chicago Board of Education meeting.

WBBM political editor Geoff Buchholz has a preview of today's Chicago Board of Education meeting.

WBBM political editor Geoff Buchholz reports speakers at Tuesday night's Chicago Board of Education comment session were divided on the district's plan to balance this year's budget, without making a controversial pension payment or borrowing additional money.

WBBM political editor Geoff Buchholz reports speakers at Tuesday night's Chicago Board of Education comment session were divided on the district's plan to balance this year's budget, without making a controversial pension payment or borrowing additional money.

WBBM political editor Geoff Buchholz reports speakers at Tuesday night's Chicago Board of Education comment session were divided on the district's plan to balance this year's budget, without making a controversial pension payment or borrowing additional money.

This conversation blew me away. Shyra Melo is 27 years old. First generation Colombian-American. And tomorrow she's ringing the bell at the Chicago Board of Trade as part of a company going public. But here's the kicker. Six years ago she was just a 21-year-old who heard about this Bitcoin thing on the news and decided to invest. Shyra's journey started when she kept hearing about Bitcoin everywhere. Financial advisors were telling her it would never grow. She decided to ignore them and invest anyway. That curiosity about crypto led her deeper into blockchain technology. She started understanding the real value wasn't in the coins but in the underlying tech. The chains. The propositions. The actual problems they were solving. Then she met Jason Melo. Her now husband and CTO who founded Paxo. She had a vision for privacy solutions on blockchain. He was working at a unicorn company and wasn't sure about leaving for another startup. But the vision was there. They saw the opportunity to create something different. Privacy vaults on blockchain that separate identifiable information from data analysis. Her family immigrated from Colombia. Her grandmother came first out of love. Then brought the daughters over. Including Shyra's mom who became a homeowner on her own. Powerful women showing what's possible. Now Shyra's a woman in tech at 27 years old building privacy solutions that keep kids safe. That's the American dream right there. This episode is about curiosity leading to opportunity. About mentally stepping into where you know you're going before you get there. About the difference between professionals and facade. And about how six years of consistent vision and execution can take you from Bitcoin beginner to public company executive.Connect:Connect with Rick: https://linktr.ee/mrrickjordanConnect with Shayra: https://www.instagram.com/shayra.me/ Subscribe & Review to ALL IN with Rick Jordan on YouTube: https://www.youtube.com/c/RickJordanALLINAbout Shayra:Driven by the revolutionary potential of decentralized technologies, I've been actively involved in the crypto space since 2018. As a seasoned investor, I've successfully advised and built numerous projects across DeFi, SocialFi, and RWA sectors. My expertise lies in crafting innovative token-economic systems that incentivize sustainable value growth.Beyond investments, I'm deeply passionate about building open, decentralized protocols that empower users. This passion led me to co-found TouchBrick, a startup at the forefront of Web3 interaction. With our groundbreaking technology, we're transforming how users engage with the blockchain.Bringing one of my portfolio companies into a successful IPO on the CBOE. This experience provided invaluable insights into scaling and navigating complex financial markets.I'm a firm believer in fostering inclusion and breaking barriers within the tech industry. As a first-generation Latin American woman, I strive to pave the way for others by actively mentoring and supporting diverse talent.

In this episode of Farm4Profit, we explore the digital tools transforming the cattle industry with the innovators behind Performance Livestock Analytics. The spotlight is on two core technologies—Performance Beef and Cattle Krush—both designed to simplify the complexities of raising and marketing cattle.Performance Beef is a cloud-based cattle management software tailored for feedlot and cow-calf producers. It digitizes feed management, health records, cost-of-gain tracking, and market prep—all in one simple dashboard. With real-time updates and seamless integration with feed trucks, Bluetooth scales, and QuickBooks, it saves time, reduces errors, and supports more profitable decisions. And with more than 5 million cattle on feed and a 96% customer retention rate, producers are clearly seeing value.We also dig into Cattle Krush, a real-time market insights app that pulls data from the Chicago Board of Trade to help producers make informed buying and selling decisions. Tools like Auction Advisor, My Lots, and Profit Alerts show exactly where a producer stands—down to the head—on profitability and breakevens.The team shares how they identified this massive need in the industry, how user-friendly the platforms really are, and where they see the cattle industry heading as technology and data play a growing role in profitability. We wrap with real-world success stories and advice for anyone looking to upgrade how they manage their livestock operation. Want Farm4Profit Merch? Custom order your favorite items today!https://farmfocused.com/farm-4profit/ Don't forget to like the podcast on all platforms and leave a review where ever you listen! Website: www.Farm4Profit.comShareable episode link: https://intro-to-farm4profit.simplecast.comEmail address: Farm4profitllc@gmail.comCall/Text: 515.207.9640Subscribe to YouTube: https://www.youtube.com/channel/UCSR8c1BrCjNDDI_Acku5XqwFollow us on TikTok: https://www.tiktok.com/@farm4profitllc Connect with us on Facebook: https://www.facebook.com/Farm4ProfitLLC/

Max Bever, Director of Public Information, Chicago Board of Elections, joins Lisa Dent to discuss how Miami’s city commission, in a 3-2 vote, changed the city's election bylaws to push the municipal races back to 2026. Bever shares the likelihood of the same occurrence happening in Chicago.

In this dynamic episode of the Derivative podcast, Jeff Malec sits down with Kevin Jamali, Senior Vice President at Farther, for an unfiltered dive into the evolving world of wealth management. What begins as a journey through Jamali's career—from Chicago Board of Trade futures trader to alternative investment strategist—quickly becomes a provocative exploration of how technology and personalized advice are reshaping financial planning.Jamali and Malec dissect the limitations of traditional investment approaches, challenging the long-held belief that a simple 60/40 portfolio is enough. With wit and insider knowledge, they discuss how Farther is pioneering a new approach that integrates modern technology with deep financial expertise.The conversation weaves through Jamali's insights on alternative investments, including private equity and managed futures, revealing how these strategies can provide more robust portfolio protection. His background in trading and Brazilian Jiu-Jitsu emerges as an unexpected lens for understanding investment strategy—where adaptability, strategic thinking, and risk management are key. SEND IT!Chapters:00:00-00:53 = Intro00:54-08:45 = Navigating the Evolving Landscape of Financial Markets: Kevin Jamali's Remarkable Journey08:46-17:52 = Uncovering the CTA Advantage: Systematic Strategies for Gaining Investment Edge17:53-28:58 =Optimized Title: Revolutionizing Wealth Management: Farther's Tech-Powered Approach to Financial Empowerment28:59-42:45= Exploring Alternative Investments: Diversifying Beyond Traditional Portfolio Boundaries42:46-56:22= Unlocking the Power of Tactical Tools and Strategic Insights: Navigating Notes, Hedging, and Portfolio Engineering56:23-01:04:17 Buffered Notes Unveiled: Unveiling the Secrets of Strategic Risk Management and Customized Investment Solutions01:04:18-01:11:20  Balancing Passions and Pursuits: Exploring the Intersection of AI, Martial Arts, and Professional EndeavorsFollow along with Kevin on LinkedIn and for more information on Farther please visit farther.com!Don't forget to subscribe to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Derivative⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, follow us on Twitter at⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@rcmAlts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and our host Jeff at⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@AttainCap2⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ , and⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, and⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠sign-up for our blog digest⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.Disclaimer: This podcast is provided for informational purposes only and should not be relied upon as legal, business, or tax advice. All opinions expressed by podcast participants are solely their own opinions and do not necessarily reflect the opinions of RCM Alternatives, their affiliates, or companies featured. Due to industry regulations, participants on this podcast are instructed not to make specific trade recommendations, nor reference past or potential profits. And listeners are reminded that managed futures, commodity trading, and other alternative investments are complex and carry a risk of substantial losses. As such, they are not suitable for all investors. For more information, visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.rcmalternatives.com/disclaimer⁠

Welcome to episode 36 of Invest & Scale! In this episode, we dive into mergers and acquisitions, personal growth, and the lessons learned from buying, building, and flipping businesses — all while living with purpose and adventure.Our guest, Zach, shares his journey from growing up on a farm to navigating finance, entrepreneurship, and consulting. From the Chicago Board of Trade to buying his first business at 28, Zach's story is packed with honest insights and practical frameworks.He explores how real value lies not just in numbers, but in people, vision, and purpose. From consulting distressed companies to global travel and charitable work, Zach highlights the mindsets and emotional intelligence that create freedom in business and life.If you've ever wondered what it truly takes to scale, or how to separate self-worth from net worth, this episode is full of inspiration and actionable advice.Grab your headphones and enjoy this powerful conversation — only on Invest & Scale.00:00:11 – 00:02:37: Guest's Background and Entry into M&A00:02:37 – 00:06:27: Learning by Doing and Early Deals00:06:27 – 00:12:58: Building Community, Criteria, and Philosophy00:12:58 – 00:19:26: Personal Purpose, Giving Back, and Lifestyle Design00:19:26 – 00:23:07: Managing, Scaling, and Investing Focus00:23:07 – 00:29:50: Prioritizing Opportunities and Human Factor00:29:50 – 00:36:32: Frameworks, Scaling, and Emotional Resilience00:36:32 – 00:45:53: Insights on Detachment, Vision, and Scaling00:45:53 – 00:52:10: Money, Value, and Mindset Shifts00:52:10 – 00:55:05: Advice for Aspiring Acquirers & Business Owners00:55:05 – End: Future Vision and Closing Thoughts- Grew up on a farm, started learning about money in high school via Peter Lynch's book.- Studied finance in college, worked for a real estate investor, then at Chicago Board of Trade as a broker.- Became a valuation consultant after sending out thousands of resumes, eventually worked at Willamette Management.- Gained deep expertise in quantitative and qualitative aspects of valuing businesses and intangible assets.- Bought a pool company in his late 20s with minimal funds—put down payment on a credit card.- Learned hands-on about sales and marketing, applied forensic accounting to organize finances.- Flipped the company in a year, implemented systems and processes for remote management.- Started a real estate investing community in Phoenix with 1,000+ members.- Began offering accounting services to fill a gap for real estate investors and entrepreneurs.- Developed the “Fossum” framework: Finance, Operations, Sales, and Marketing.- Uses this framework to identify and fix problems in distressed businesses, building teams around each area.- Early goals: travel, help people, make money; found fulfillment by giving back, especially to children's causes.- Founded “Learn and Grow Rich” to marry financial education with meaningful impact.- Embraces location independence: travels while running businesses, currently based in Colombia.- Finds deeper fulfillment and financial success by slowing down and fostering intentionality.- Currently invests in AI and systems that clarify financial reporting and planning for clients and portfolio companies.- Helps CEOs see multiple years ahead instead of focusing only on the next month.- Believes the value lies increasingly in human relationships and emotional intelligence, not just systems or AI.- Highlights importance of emotional intelligence in business success and scaling.- Encourages clients to define their “enough”—using budgeting and envisioning their dream lifestyle to determine true financial freedom.- Money is fundamentally a medium of exchange—value traded, not just currency.- Clients who reinvest in themselves and personal growth tend to be most successful.- Business success stems from understanding and providing real value and solving real problems.- Use budgets and plans to clarify vision and enable delegation.

In this episode of Trading Takes, Sam sits down with legendary futures trader Matt "Pax" Kenah for an unfiltered conversation on trading discipline, simplicity, and longevity. Pax shares how his journey started on the floor of the Chicago Board of Trade and evolved into high-level screen trading. Learn how he keeps his edge, scales responsibly, and stays mentally sharp year after year. Whether you're new to futures or looking to improve consistency in any market, Pax's wisdom is a must-listen.

Two Major ALM Conferences back-to-back … they said it couldn't be done.  Legal Speak believed it … and went there to see it for themselves. For over 20 years, the General Counsel Conference Midwest has been the premier event in the industry.  Delivering key insights and practical solutions that today's general counsel need to manage and better leverage C-Suite relationships, successfully overcome a litigation crisis and do more with fewer resources just to name a few.  For the 2nd year, Legal Speak was there live to bring you interviews with interesting attendees as well as moderators and speakers from various panels from this year's event in Chicago.   In this episode, host Patrick Smith is joined by Elizabeth Barton, the Managing Deputy General Counsel for the Chicago Board of Education  Host: Patrick Smith Guest: Elizabeth Barton Producer: Charles Garnar

Joining Mike on this edition of Hitting Left is educator, author, and Chicago Board of Ed member, Elizabeth Todd-Breland. She's written a biography of the late, great, former CTU President, Karen Lewis.

In this episode of The Journey with Kevin Polky, Kevin sits down with Matt Weldon, whose life has been defined by transformation and purpose. Growing up in Rockton, Illinois, Matt's path has taken him from studying at Eastern Illinois University to a career in education, then making bold shifts into trading at the Chicago Board of Trade, and ultimately becoming a financial planner. Beyond his career, Matt is dedicated to making a difference. He co-founded Don't Be Next, a foundation created in memory of two close friends, Craig and Patrick, to support community initiatives. He also hosts the podcast Single Dad, Sober Dad, where he shares insights on fatherhood, sobriety, and personal growth as a single father of four. In this inspiring conversation, Matt opens up about his journey with recovery, the pivotal moments that led to positive change, and his commitment to helping others navigate life's challenges. Tune in for a story of resilience, reinvention, and finding true happiness.

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links-Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.0:00 Acreage Report Reliability3:32 Wheat Collapse7:44 China Grain News9:24 China Cash Injection10:19 The Funds11:09 Trump/Canada TalksUSDA Report to Release Key Data on Plantings and Grain StocksThe USDA will release its highly anticipated Prospective Plantings and quarterly Grain Stocks report today. Traders expect to see a significant increase in U.S. corn plantings compared to last year, while a notable decline in soybean plantings is anticipated. U.S. corn stocks as of March 1st are expected to be down 2.4% from the same time last year, while soybean stocks are expected to be up by 3%. Wheat stocks are forecasted to rise by 11.6%.Chicago Wheat Futures Drop to 8-Month LowWheat futures on the Chicago Board of Trade dropped to their lowest level in nearly eight months on Friday, with the May25 contract losing almost 4 cents, closing near $5.28 per bushel. Prices have been pressured by ongoing peace talks between Russia and Ukraine, as well as ample global supplies. Weak export demand and beneficial rainfall across the U.S. Plains also contributed to the market's decline. Traders are positioning ahead of today's USDA reports.China's Focus on Agricultural Self-SufficiencyChina is investing heavily in improving agricultural land to strengthen national food security. The nation aims to transform 200 million acres into high-standard farmland by 2030, utilizing technology to improve soil quality, crop management, and disaster resilience. By 2035, all basic farmland is expected to meet high-standard criteria. China is prioritizing food self-sufficiency and diversifying its agricultural supply chains amidst rising geopolitical tensions.China Boosts Economy with Investment in State BanksChina has invested $69 billion into four state-owned banks to bolster their financial stability and support economic growth. The government's move will help these banks expand, strengthen their capital reserves, and invest in emerging industries. This investment also aims to address pressure from narrowing profit margins due to interest rate cuts.Funds Reduce Corn Market ExposureCFTC data shows that "The Funds" reduced their net-long position in the corn market last week, with large money managers selling 31k corn contracts. Since mid-February, the funds have slashed their net-long position by 286k contracts. The funds were also net sellers of soybean and SRW wheat contracts.President Trump and Canadian PM Discuss Tariffs and Trade FrameworkPresident Trump and Canadian Prime Minister Mark Carney held a productive phone call on Friday, though Canada remains set to impose retaliatory tariffs on the U.S. this week in response to Trump's planned reciprocal tariffs. Carney criticized the tariff threats as a betrayal of the USMCA agreement. Going forward, the two leaders plan to negotiate a new economic and security framework after Canada's upcoming election.

Chicago Board of Education postpones vote on controversial loan to pay pension debt. Trump signs executive order closing Department of Education as Illinois comes under federal scrutiny for accommodating trans students. Reset goes behind those headlines and more with Chalkbeat Chicago reporter Reema Amin, NBC-5 Chicago reporter Christian Farr and Chicago Sun-Times reporter Mitchell Armentrout on the Weekly News Recap. For a full archive of Reset interviews, head over to wbez.org/reset.

Episode Description In this episode, Ed sits down with Bret, an expert in change management and communication, to discuss why successful club transformations depend not just on strategy but on how change is communicated. They explore the unique challenges of implementing change in private clubs, the importance of transparency, and how leaders can effectively manage member expectations. From capital improvements to governance restructuring, Bret shares insights on how clubs can proactively shape the narrative, overcome resistance, and drive meaningful progress. Key Moments: The Heart of Change Management [00:00:37] – Bret explains why communication—not technology or funding—is the key factor in whether change initiatives succeed or fail. Why Private Clubs Face Unique Challenges [00:08:46] – Unlike corporations, clubs are often governed by boards and have emotionally invested members, making consensus-driven decision-making essential. Transparency and the Rumor Mill [00:14:06] – The importance of addressing potential changes early and openly to avoid misinformation and resistance. The Role of Vision in Driving Change [00:19:27] – How club leaders can frame their messaging around a long-term vision that aligns with the club's mission and values. Multi-Channel Communication Strategies [00:23:13] – The necessity of using multiple platforms—email, in-person meetings, social media, and club signage—to reinforce key messages. Managing Resistance: What's in It for Me? [00:33:15] – How clubs can effectively communicate the direct benefits of changes to both long-time and newer members. Setting Realistic Expectations and Timelines [00:36:07] – Why major club transformations often require a two-to-three-year horizon, and how leaders can manage expectations while maintaining momentum. Lessons from the Chicago Board of Trade [00:38:53] – Bret shares a case study on how clear, honest communication helped execute a large-scale transformation successfully. Final Thoughts on Change Leadership [00:44:06] – Why inspiring members and staff to embrace change is just as important as the change itself.

In October, the Acero Charter School network sent shockwaves through their school communities when they announced they would be shutting down seven Latino-majority schools in Chicago. For families and students, it's been a waiting game as they wonder if or when their schools will close and what their options are. Chalkbeat Chicago's Samantha Smylie and Block Club Chicago's Atavia Reed explain the Chicago Board of Education's Thursday vote to save some of the schools. Plus, Gov. JB Pritzker wants to ban cellphones in classrooms, Lems BBQ adds another prestigious award, and today is Janet Martin Day! Good News: Fat Ham and BUST at the Goodman Theatre Want some more City Cast Chicago news? Then make sure to sign up for our Hey Chicago newsletter.  Follow us @citycastchicago You can also text us or leave a voicemail at: 773 780-0246 Learn more about the sponsors of this February 28th episode: Griffin Museum of Science and Industry Steppenwolf Theatre Become a member of City Cast Chicago. Interested in advertising with City Cast? Find more info HERE

In this episode of the RIA Edge Podcast, host David Armstrong interviews David Hefty, founder and CEO of $3.4 billion AUM Credent Wealth Management. Hefty narrowly escaped pursuing a career trading commodities on the floor of the Chicago Board of Trade, and instead started an independent wealth management firm shortly after college. But it wasn't … Read More Read More

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Gail Sussman-Miller founded Inspired Choice in 2001. She took the title of Chief Obstacle Buster which describes her perfectly. Gail lived her entire life in Chicago Illinois until she and her husband moved to Sarasota Florida in 2019. While Gail grew up thinking she should be a teacher along the way she decided she did not wish to teach youngsters. She recognized that her talents were put to better use teaching and coaching adults. She makes it quite clear that she has fun and great joy working with adults. She will say that some people want to be coached and some who think coaching for them is not necessary. I would say that Gail urges people to approach the coaching experience with an open mind. She is, as you will hear, quite successful at her work. About the Guest: Gail Sussman-Miller, Chief Obstacle Buster at Inspired Choice, helps women leaders leverage, rather than squelch, feminine power and abilities they don't realize they possess, so they live their most authentic, joy-filled life. She is an expert at guiding women to deliberately choose their thoughts and beliefs to design desired experiences and results. Gail's techniques shape new perspectives that reduce stress, discomfort and procrastination which increases decisive action, inner peace and resilience amidst the uncertainty of life. The bottom line is increased freedom and more joy! Clients find Gail's perspective-shifting techniques, practical tactical action steps, and spiritually-inspired wisdom indispensable. Her rare gift, shared by 7% of leaders assessed, is she senses and sees things few people see, speaks that truth and offers actionable ways for participants to thrive and fulfill their soul's desires. The biggest demand and focus of Gail's coaching is strengthening the efficacy and collaboration in challenging conversations and relationships by combining truth, authenticity, and vulnerability. Professional background. Gail has been teaching executives and women at all levels to turn obstacles into opportunities since 2001 as a coach, facilitator, speaker, and trainer. She received her training as a professional coach at the Coaches Training Institute (CTI) in 2001. Gail is certified in the EQi-2.0 emotional intelligence assessment by MHS, a well-known publisher of psychological assessments. Prior to founding Inspired Choice, Gail delivered computer job training for visually-impaired adults and spent 13 years at Andersen Consulting (Accenture) in Marketing, Knowledge Management and Technology Coaching. After a lifetime in Chicago, Gail made Sarasota, Florida her home in 2019. www.inspiredchoice.com Ways to connect with Gail: Gail@inspiredchoice.com www.inspiredchoice.com http://www.linkedin.com/in/gailsussmanmillerr https://www.facebook.com/GailSussmanMiller/ About the Host: Michael Hingson is a New York Times best-selling author, international lecturer, and Chief Vision Officer for accessiBe. Michael, blind since birth, survived the 9/11 attacks with the help of his guide dog Roselle. This story is the subject of his best-selling book, Thunder Dog. Michael gives over 100 presentations around the world each year speaking to influential groups such as Exxon Mobile, AT&T, Federal Express, Scripps College, Rutgers University, Children's Hospital, and the American Red Cross just to name a few. He is Ambassador for the National Braille Literacy Campaign for the National Federation of the Blind and also serves as Ambassador for the American Humane Association's 2012 Hero Dog Awards. https://michaelhingson.com https://www.facebook.com/michael.hingson.author.speaker/ https://twitter.com/mhingson https://www.youtube.com/user/mhingson https://www.linkedin.com/in/michaelhingson/ accessiBe Links https://accessibe.com/ https://www.youtube.com/c/accessiBe https://www.linkedin.com/company/accessibe/mycompany/ https://www.facebook.com/accessibe/ Thanks for listening! Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page. Do you have some feedback or questions about this episode? Leave a comment in the section below! Subscribe to the podcast If you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts or Stitcher. You can subscribe in your favorite podcast app. You can also support our podcast through our tip jar https://tips.pinecast.com/jar/unstoppable-mindset . Leave us an Apple Podcasts review Ratings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts. Transcription Notes: Michael Hingson ** 00:00 Access Cast and accessiBe Initiative presents Unstoppable Mindset. The podcast where inclusion, diversity and the unexpected meet. Hi, I'm Michael Hingson, Chief Vision Officer for accessiBe and the author of the number one New York Times bestselling book, Thunder dog, the story of a blind man, his guide dog and the triumph of trust. Thanks for joining me on my podcast as we explore our own blinding fears of inclusion unacceptance and our resistance to change. We will discover the idea that no matter the situation, or the people we encounter, our own fears, and prejudices often are our strongest barriers to moving forward. The unstoppable mindset podcast is sponsored by accessiBe, that's a c c e s s i capital B e. Visit www.accessibe.com to learn how you can make your website accessible for persons with disabilities. And to help make the internet fully inclusive by the year 2025. Glad you dropped by we're happy to meet you and to have you here with us.   Michael Hingson ** 01:21 Well, a pleasant hello to you. Wherever you happen to be today, you are listening to unstoppable mindset, and my name is Michael Hingson. You can call me Mike if you want. It's okay as well. I am the host of unstoppable mindset, and today we get to chat with Gail Sussman-Miller, who is are you ready? Here it comes, Chief obstacle. Buster, I love that, and she is the chief obstacle Buster at inspired choice, which is an organization that she founded. She has been a coach for, wow, 23 years. You started in 2001 I think you said, And so anyway, this will be a fun conversation. She's got lots to talk to us about, and we've been talking for the last few minutes about how to talk about some of the visual stuff to an audience that isn't necessarily going to see it. And that isn't because the people who aren't going to see it are blind. It's because they're not watching this, but listening to it on a podcast site, so you guys get to experience things the way some of the rest of us do. But anyway, Gail, welcome to unstoppable mindset. We're really glad you're here.   Gail Sussman-Miller ** 02:32 Thanks, Michael. I'm honored to be here, and I've had fun getting to know you as we get ready for this. Yeah,   Michael Hingson ** 02:39 well, and it's been good to get to know you and get a chance to really chat. Let's start, if we could by maybe you telling us sort of a little bit about the early Gale, growing up and some of that stuff, always a good way to start right. That could take an hour, but I'll leave it up to you. It reminds   Gail Sussman-Miller ** 02:54 me of the movie, I think was called the jerk that Stephen Martin was in, and he starts out saying, I was born a poor, black child. Started with his anyway, so I grew   Michael Hingson ** 03:10 up. I was born, I was born modest, some people have said, but it wore off. But anyway, you were born in Chicago, and I was born in Chicago.   Gail Sussman-Miller ** 03:20 Yeah, I grew up on north side, so yes, I'm a Cubs fan.   Michael Hingson ** 03:25 I was south side, and I still love the Cubs, Hopelessly Devoted   Gail Sussman-Miller ** 03:29 and lived my entire life actually in the city limits. Sometimes people say they're from Chicago to give people a reference, and they really live in the suburbs. So I loved, I would say all Yes, actually, all my residences were within two miles of Lake Michigan, and I love being near water. So grew up. I'm the the eldest of two girls, and close to my cousins, really great, close family. And then I went to college at Northern Illinois University, got a degree in teaching elementary and special ed at a time when there was a surplus of teachers, and I wasn't sure I wanted to do it as a career. And then I learned later in life that I love teaching, but actually prefer teaching adults. So it's been an interesting evolution of I would say most of my jobs were just good enough. I was one of millions who believed you live for Fridays and work is something you do to make money because you have to. And it wasn't until I was in my 40s that I found my ideal dream. Work, which is coaching and speaking and teaching, and I came home to a profession that I thought was just for me. It was perfect. It was great. And in the last five years, almost five years, we've been in Sarasota, Florida, made some permanent move and happy ever since, so   Michael Hingson ** 05:26 until you were in your 40s, were you teaching school or what were you doing? No,   Gail Sussman-Miller ** 05:30 I never became a teacher. It just wasn't. I didn't enjoy my student teaching. I did enjoy trying to parole and contain and control 2025 kids. I love children, so that was why I thought, Well, it's interesting. When I went to college, I had no strong calling for a profession, so I enrolled in teaching as the Lacher of evils, if you will. It just was like, well, compared to being a scientist, computer engineer, or you name it, this, I like kids and I like teaching, I just didn't like the combination.   Michael Hingson ** 06:15 So what did you do for jobs?   Gail Sussman-Miller ** 06:20 Oh, we'll see if I can remember, there was a period of time where I worked for an educational publisher, because I thought, Okay, I have a teaching degree. Maybe this will be interesting. It was not. I spent some time even working as a temp because I was good at computers and word processing, as it was called in the day. Yes, and it's so funny, Michael, I actually need my resume in front of me to tell you things in sequence. But the funny thing was, each thing led to something else. I think of my life as walking through a doorway and then going down a hall with lots of doorways, and then I choose another doorway, and that leads to another hall with doorways, and that's how I wound up where I am. So at one point, I think it might have been after the education publisher. There were, there were literally, I'm I'm being this is proof how meaningless some of my jobs were. But I did spend four years in Chicago at the chicago lighthouse at the time, called Chicago Lighthouse for the Blind and Visually Impaired. I think they've changed their name now, and I taught transcription skills and typing to adults who then went on to get jobs and get placed. And that was the most gratifying thing I did, and that's where I realized I much prefer teaching adults   Michael Hingson ** 08:01 you created a an interesting analogy, one that I subscribe to a lot. I think that each of us go through life making choices, and if you really sit down and think about it, you can trace your life back to and through the choices that you make. So you did a variety of things, and you discovered something with each choice and each thing that you went off and did, I can trace my life back because of the choices that I made. And I also studied teaching. I got a secondary teaching credential. And I actually thought of teaching, but then an opportunity to take a job in technology, actually working with Dr Ray Kurzweil and the National Federation of the Blind, with the development of the Kurzweil Reading Machine came along, and that led to working for Ray, and I was going to do human factors and continuing to do some of the work I did when we were all originally developing the first machine. But then after about eight months, I was confronted with a choice of either leaving the company or going into sales. And I decided, I love to tell people I lowered my standards from science and went into sales, which is not true, but I didn't lower my standards, as it turns out. But what I what I discovered, and I always liked teaching, I always liked explaining, and what I discovered was that the best salespeople are teachers. They're counselors. They really are involved in understanding what a customer's needs are, and then teaching that customer about how to get those results, hopefully with their products, I've had some situations where the product that we had wasn't the right solution, and of course, from. One standpoint that's an ethical issue to deal with. Do I say it's our product won't work, or do I still try to sell it? My belief has always been, you take the ethical choice and I are a few times where we specifically said our product won't work, but here's what will but whenever that occurred, we developed a level of trust that then led to other opportunities later on, but teaching people and really advising and counseling was something that I enjoyed, but I but I hear what you're saying about teaching adults. The question I would ask you is there are a lot of people who say that adults tend to be locked in and are much harder to teach than children. What do you think about   Gail Sussman-Miller ** 10:44 that? Oh, wow. I don't think that's ever it's funny in a way. I don't think that's ever crossed my mind.   Michael Hingson ** 10:54 It's like teaching language. You know, children learn language and additional languages.   Gail Sussman-Miller ** 11:00 Yeah, I would agree there. What I mean by that is, and what I thought you were going to ask me, so maybe I'll answer it anyway, is what I liked more about working with adults, and I like being able to hold the adult accountable and responsible for their learning and for asking questions, for speaking up, all of that. It depends, I suppose, if the adult, if the person I'm working with, wants to be in the training slash coaching learning situation or not are very there was only one period of time as a contractor where I was matched with people without my meeting them or knowing them. Normally, my clients come to me and then I get to we see if we have a fit in both ways. So there were a few times where people were assigned to me and didn't necessarily want to have coaching. But what I'm a master at is helping people look at their perspectives and shift them for their greater good. So it almost always worked out that I could say or get to help them see this is going to benefit you, whether you ask for it or not. And let's figure out what it is you would most like to get out of it. Yeah? So enlisting, yeah, enlisting them, engaging them. And then I, I don't think it's ever been a challenge. In my opinion,   Michael Hingson ** 12:36 my wife was a teacher for a number of years, and she liked teaching third graders more than older kids, because she said a lot of the older kids had already developed their attitudes, whether taught by their parents or whatever, and developed habits that weren't necessarily positive. And as a result, it was harder to work with them than it was to work with third graders, because third graders were at an age where she could get them to to think and to focus, and was able to get them to look at and hopefully learn the things that she was trying to Teach, whereas older kids she felt didn't do that nearly as well. So that was an interesting observation that she had. And eventually she she left teaching because, well, here's a story. She was going to do a Valentine's Day party for her class, and she made a deal with the students. The parents were going to bring goodies and they were going to come and all that in the park. That. And the party was supposed to start at two o'clock, and she made a deal with her students, and I don't know whether it was that morning or before, but she said, we'll start the party when you all get your work done. Okay? And everybody agreed. Well, at two o'clock, kids had been goofing off and so on, so the party didn't start. The parents had to wait outside, and it was like about 20 minutes late for the party to start. The kids finally finished the stuff they were supposed to do, and one parent pitched a real hissy fit and had her well, took her to the principal's office. The principal called her in and said, what's going on? The parents are not happy with what you did that day. And Karen brought the students in, who were the children of the parents, and the parents complained that she was too hard on the students and all that. And so Karen then said, Okay, kids, what was the arrangement that we had? And they all said we were supposed to get our work done before the party could start. Why didn't we start the party on time? We didn't get stuff done and that was it. You know, the principal told the parents, go away, go away. It is accountability. And Karen. Is really always great at accountability, and I love the concept of accountability, and when you're creating teams and so on, the most basic fundamental is all about being able to hold each other accountable. And you don't do it because it's a personal thing, or you have an ax to grind, it's because the whole team agrees that those are things that everyone can do. So I agree with you, accountability is important. That's great.   Gail Sussman-Miller ** 15:29 I also think that if motivation is important, so your wife used the party as a motivator, and with adults, if they really want to change their results, then this is and I don't, I don't dictate how to do it as much as help them figure out how they're going to do it,   Michael Hingson ** 15:52 absolutely, absolutely. So   Gail Sussman-Miller ** 15:56 it's fun. It's fun. I have a blast, and some people are a term coaches use is coachable. Some people are more coachable than others. And usually I can kind of assess that early on. And sometimes it's we go as far as they're willing to go. They may also not be emotionally ready to go any further   Michael Hingson ** 16:22 well. So in 2001 you discovered that you really wanted to teach adults more, and you started your organization. And so inspired, choice came to be. Tell us more about that and what it is and how it's evolved over the years.   Gail Sussman-Miller ** 16:43 So I'm actually it's kind of funny. I was I got married in 2000 came back from my honeymoon to find out I'd been laid off. I spent 13 years at Anderson Consulting, which became Accenture, just as I was leaving, and I, I don't even remember, I think I had seven different jobs in 13 years. They there was a lot of shifting, and one or two I enjoyed the most because they had a lot of teaching. So I enrolled in a couple of programs. Chicagoans will recognize this name, maybe, you know it the Discovery Center was on Lincoln Avenue. We've hired that so I took a class that introduced coaching there. And I said, this is interesting. I'm actually still friends with a couple people that were in that classroom, and then I went to a two day conference held by the local Chicago chapter of the International Coach Federation. And then I was hooked, totally hooked. So after being laid off, I spent some time looking for a job, and then I asked my husband if it was okay with him if I decided to pursue this training and then career and coaching. And he said, Sure. So that's where it started, and in 1997 I'm rewinding just a little, I did a two and a half day women's personal growth weekend, and started to do the deepest personal growth work I'd done, I would say, in my life, I'd done therapy for years, but didn't find it as effective as this. Two and a half days really moved the needle. And one of the women who was staffing that weekend, I saw her at a local event for that organization, and I mentioned I was unhappy about a few things. She said, Well, I think I can help you. And I hired her. Lo and behold, she was a coach. I didn't even know it, and it was immensely helpful to me. That's how I really got familiar with coaching. And then the two day, two and a half day weekend, and then all of that. So that's when I realized it was like a career design just for me. No one else was perfect. It was my orientation. Was not telling people what to do, it was helping them empower themselves and realize their best way. So I started my business very slowly. I didn't know anything about being a business person. I had no clue I was the least bit entrepreneurial, and it evolved slowly, but in the beginning, I kind of like thinking of as a sandwich on the bottom layer. The first piece of bread was about seven years working with women who were in the. Own businesses, helping them realize and find their best marketing method. I just love thinking about marketing, and then that led me to develop a workshop of my own called How to love networking, which most people do not love. It used metaphors, taking what they love to do most in their life, like, let's say cooking or knitting or travel, and how to network the way they do that activity they love. That led to my being discovered by a senior executive organization helping people network. So they asked if I would lead their Chicago meetings, and I did for about seven and a half years. That shifted me and put me in front of senior executives who were looking for jobs, and I taught networking and help them present themselves well within the meeting. And many of them needed additional help, so I was hired into that kind of coaching. And my whole career, my whole business shifted from helping women on marketing to helping executives with their job search, which is, by the way, still marketing.   Michael Hingson ** 21:22 It is, how? How do you teach networking? What? What is that?   Gail Sussman-Miller ** 21:28 I'll answer that in a minute, but my brain needs to finish this one. Okay, okay, brain, go ahead. My brain will be busy working on it. After about seven years of teaching these executives, helping them in their job search and promoting themselves and networking, I came back to working with women, and that's what I've been doing, working with women leaders on how to be a more empowered, truthful, authentic and vulnerable leader. So that just had to bring you up to the present. So how do you teach networking? It was helping to debunk what networking is, and I like to define networking as simply connecting with like minded people for the greater good. It's all about connection. What do you have in common? How getting curious? I mean that one of the basic concerns people had was always walking into a room like a networking event, and maybe there's 10 people, there could be 40 people. How do I start a conversation? How do I describe myself? And people being very attached to the outcome, I have to meet someone who's going to be helpful to me. I worked with some people who wanted to literally walk in the room, grab the microphone and say, I'm a tech engineer. Can anyone hire me? Like, Oh my gosh, that is not going to get you there, no, but very, you know, end result oriented. So it had a lot to do with understanding human nature, how to have these conversations, how to describe themselves well and talk about the outcomes they deliver, and to be of service help others. First things you've heard before, but it was usually getting at what their obstacle was. What was their obstacle to the process,   Michael Hingson ** 23:29 makes sense, and and it and it is always a challenge. If let's take your example. I'm a tech guy who will hire me, shows in so many ways, probably what that person isn't looking at and needs to look at, and certainly could use a lot of teaching and coaching. The question is, of course, would they be interested in doing it? And that's, that's, of course, what you address and what you deal with. Some people are coachable, and some people aren't, and some people will be once they discover what being coachable is all about.   Gail Sussman-Miller ** 24:15 Yeah, then a case like that, sometimes it's people that kind of urge, like, you know, I don't want to make small talk. I always say, Well, then don't make small talk. Make big talk. Ask important questions. Don't talk about the weather or how good the weenies are wrapped in the in the dough and the hors d'oeuvres. But they are impatient, perhaps because they're desperate, because they're afraid. I always wind up on the emotional undertones of what is going on. How long have you been in job search? Have you been turned down a lot what's going on? How confident are you? How well can you talk about what you do? Well. How well do you do in relationships having nothing to do with job search? What you know, are you good listener? All those things. So it's, I would say it's interesting about job search that at some level, people might not be at their best depending on how comfortable they are with the process, because it is not linear,   Michael Hingson ** 25:27 yeah, and even if you're turned down for a job, do you ask? Why? You know? Are you willing to learn? And again, some people are and some people aren't. Right, right when I talk, when I talk with people about being as when I talk with people about being a speaker and and even sometimes they say we're considering you. And then if they come back and they say we went a different direction, I will ask why. I'd love to learn a little bit more. I don't, I'm not quite that blunt. I'll say something like, I'd like to learn a little bit more about what the process was and what led you to the choice that you made. If you would please take the time to let me know. And again, it's, it's a it's a process. I haven't generally heard that. Oh, you're not a good speaker, or whatever. And I suppose some people might not want to say, but usually it's we had somebody who went a different wanted us to go a different direction, or, I mean, any number of things, or we changed our mind about the theme for the event, which has happened more than once any number of things. And so you you take every, every opportunity, and you learn what you can.   Gail Sussman-Miller ** 26:50 That makes sense. Yeah, yeah. It eventually. What led me at some point, I think the pretty sure the people were under and their fear and working with that, I think that some point that may have been what helped me decide to move on and instead of and practice what I preach. Really am I coaching this target audience out of passion, and I was starting to lose my passion. And I said, you know, I've been feeling a hankering to go back to working with women, and as I did the work on myself, this is not a surprise, but I was doing a lot of work on myself. To stand in my power more to really tune into my feminine energy and to spirituality. And it was all guiding me to say, you're not following your heart and soul passion. And then that led me right back to where I started, and working with women. There you go on on deeper issues. So it's been wonderful,   Michael Hingson ** 28:09 by the way. What kind of work does your husband do?   Gail Sussman-Miller ** 28:14 Oh, well, it's really interesting. He might have lost track how many years, but he's about a 45 year stock trader, and started out on the Chicago Board of Trade floor. Then around the time I met him, he, as they call it, went upstairs, became an upstairs trader, electronic only, and now, for maybe the last eight years, nine years, he's teaching traders and investors how to read the cycles in the stock market chart analysis and some emotional issues for traders. Traders psychology. And he created a membership for people that want to get involved at a deeper level or a lighter level. And he does training videos. He does. He's actually got a live show that he does once a month, and it's all about education and analysis, some really technical but this gorgeous, beautiful charting that he that he invented, of looking at where the rhythms are. I could go on and on about this, but I think that's probably all your listeners want to hear, because it gets great, really technical. And for those who are a little geeky, if you have ever heard of the Fibonacci formula, even the market follows Fibonacci cycles. Well,   Michael Hingson ** 29:52 the reason I asked the question was you said earlier, when you decided to start your business, you asked him, and he said, Yes, and that. Immediately made me wonder, what kind of a guy is he that he was willing to be open, and clearly, he's an intelligent person. He observes a lot, and so it makes perfect sense that that he would be the kind of person who would support and agree with decisions that you could make and do make, and the fact that the two of you communicated about it is, I think, the most telling thing. It's great when a couple shares and essentially really decides together.   Gail Sussman-Miller ** 30:36 Well, I can't wait to tell him what calls over. He's uh, currently relaxing by the pool after his Friday, his Friday live show. But the interesting thing, or, or, and the three, the two and a half day training I told you that I did in 97 he did the men's version, which is a little more popular. It's called a little has more notoriety. It's called new Warrior, and he did that in like three months before I met him, and that changed his life. So, communication skills, self awareness, taking responsibility, all of that, that was what drew me to him and that, and we've been growing those skills ever since, no taking responsibility if you get triggered, and not blaming the other person. Yeah, understanding a lot of emotional intelligence, a ton of emotional intelligence. In fact, we both got certified in a tool published by MHS, and it's a emotional intelligence assessment.   Michael Hingson ** 31:46 Well, you've been coaching for a while, needless to say, 23 years. What are the most common issues that women leaders ask for support on?   Gail Sussman-Miller ** 32:01 There's usually one common thread, and it's about, how do I have this conversation? I need to tell this employee they're not doing well, but I don't want to hurt their feelings. I'm not getting along well. Things are not going smoothly with one of my direct reports. I don't know how to approach that. Or there I have some clients who are in a male dominated industry and a male dominated firm, and they may be the only woman in the room. How do I dan in my power express myself and communicate where very often, male and female communications can be different. So how to how to tell, have the conversations, how to tell the truth, what they think is the truth, without worrying about hurting people's feelings or having a lot of fear come up and how how to move through the discomfort. It might be speaking up more than they're used to. It might be saying no, it might be setting some limits and being honest with some risk. So it's almost all connected, but those are usually the general themes,   Michael Hingson ** 33:29 yeah, and it's unfortunate that there have to be risks just to being able to speak up where as if it were just men in the room, probably the same issue wouldn't be there, but we're still way too patriarchal, I think, in a lot of ways, and that tends to be a problem. I love it when people are willing to speak up and be open. I think it's it's so important to do that.   Gail Sussman-Miller ** 33:57 Well, I can tell you that while I was still coaching on job search, most of my clients were men, and they had plenty of fear about speaking up plenty it is really not so gender biased, especially networking or interviewing, or how am I going to answer that question, or all of this strategizing. Well, if they say this, then I'll say that. Or instead of what I have come to learn to not only do but to enjoy, is to just be be in the moment. Yeah? Like I often joke, I like being put on the spot. Yeah, I mean, you asked you, and I talked about some things we might talk about today, but I'm ready for you to ask me anything, and I think that's exciting. And if I don't know the answer, I'll say so, but, but I've learned to love honesty in that kind of Troy. And that's what I help my clients do, yeah, and I can think of, oh, sorry, let me just finish this one, thinking of this one client, he wanted to get promoted. He liked his company a lot. He was doing well, and he was going to go to this meeting where they're going to be all appears of his, and then the next level up of management, and he was making himself a little nuts preparing, like I said, if they go on this topic, I've got my notes, and if they go to this topic, I've got my notes. And I helped him to see how he could he didn't need he was over, preparing, spending a lot of time that he didn't need to. And this concept of showing up, show up, be present, answer the questions from what you know, and the words don't matter as much as the energy. It's about saying what you feel and what you believe and say that proudly. So he started doing that, and he couldn't believe the shift. And there's a there's a woman. Her name is nalima bat. I've heard her speak, and she has a meditation that helps get to the point of saying there's nothing to defend, there's nothing to promote, and there's nothing to fear. God practically just want to sigh at that, yeah, oh, that's so reassuring. And then you just show up because you're you've got the ability you know you you're ready. You're always ready.   Michael Hingson ** 36:43 We just don't always think we are, because we overthink things. You know, the biggest problem with fear is we focus so much on the what ifs and that we create our own fear, rather than, as you just said, really living in the moment and and using the knowledge that you have, trusting your your gut or your brain, and, yeah, speaking up and doing the things that you know, really that you should do. And the reality is, you do know what you should do, but we are so focused so often on what if that we've lost a lot of those skills. They're there to be redeveloped. And I wrote a book that's going to be well, it'll be out in August of 2024 it's called Live like a guide dog, true stories from a blind man and his dogs about being brave, overcoming adversity and walking in faith. And the idea is to help people learn how to control fear. It isn't to be fearless, because fearless is a very powerful thing, but you don't need to let fear overwhelm you. You need to use it in a positive way. And one of the things that I learned and talk about in the book is that living in the moment is one of the most powerful things that we can do. That isn't to say you don't develop strategies and spend some time strategizing, but if you do it to the point where you drive yourself crazy and you don't really listen to yourself, that's a problem.   Gail Sussman-Miller ** 38:21 You used a really important word there trust and we have this is a topic that I'm warning you. Michael could go pretty deep, so I'm going to try to stay at the top, because it can. It's so enmeshed, I have come to appreciate that as humans, we have to, let's call it two minds. We have our ego, fear driven mind that, from our cave days, is there to protect us. That's the the ancient reptilian part of our brain that's there to make sure that we have our fight, flight or freeze response if we see a big wooly mammoth today, our fears are very different, but we're not worried about a lion or a tiger around every corner, so we have this protective, fear driven way of thinking that you can also refer to as ego. That is the what if negative and I need to be careful. What if I don't get promoted? What if someone thinks this? What if a lot of women worry? What if I sound too outspoken? We've got all that worry side, and that's one mind. The other is love driven, and it is for many people. It is about faith. It is about beliefs that there is the. Our powers greater than us, and that it isn't what one side, the ego, human protective side, is very tied to body identification with the eyes, ears, nose and touch, all of that what we hear the other side is spirit identification, and and that there, there's magic in the world. There's mystery, yeah, and it is not 100% all up to you. People will feel your energy. There are, there's, whatever you want to call it for you, divine, the universe, spirit. There are other forces at work, and that that's where, if we can trust that it doesn't all rest on our shoulders, not all within our control, either, but we, one side is powerless. This side, to me, is where you have your power. I need to do my best, and I can show up.   Michael Hingson ** 41:00 We don't always have control over what happens, but we always have control over how we deal with what happens, and that's the part that we have to make, the choice to address. And the example I always give with that is the World Trade Center. We had no control over it, and I no one's convinced me yet that we could have figured it out, but each and every one of us moves forward from the World Trade Center, and we have the choice to make of how we deal with what happened that day. We can hate love, we can use it as a way to move forward and help others and ourselves and so many different things that we have a choice to do. Well,   Gail Sussman-Miller ** 41:45 I hope so here do, yeah, yeah, big time.   Michael Hingson ** 41:50 And I think it's the important thing that we we need to do. Let me ask you this question. You have a tool that you use to help men and women improve their results. And do you want to talk about that some?   Gail Sussman-Miller ** 42:04 Yeah, and it's all about what you were just talking about. It's all about perspective and it all and the power of our thoughts. So very typically, when I work with people, I'm sure you see this, and the people you talk to, people want to change their results. So they say, Well, if I want a better career, I want this, or I want that, I need to change my actions, my behavior. And usually that's where it stops. Is okay. Want a job, I'm going to go look for a job. I'm going to do this, do that, do these steps. I want to get promoted. I'm going to start showing up like this or that, and then it sometimes doesn't work, or they're too afraid, so they do some shortcuts, or they aren't showing up fully in their strength and their ability and their power. So what I help people realize is before you go take those changed actions to get new results, there's something that happens before the action, and that is, you look at choices options, you think about your options first, and then you choose one or two, and you do those actions before the choices, even before you look at a list of choices, there's an emotion or a feeling. If your job search is motivated by fear, then your options that you look at might be somewhat desperation driven, and then your behavior, and then the results you get. If we I'll stick with job search as the example. What triggered those emotions? Where do those come from? So even before the emotion, there's some kind of a belief, and before the belief we have thoughts, and I like to kind of put those in the same bucket, thoughts that we hold on to long enough become beliefs we can have fleeting thoughts, like I think I can fly, but then when we we look at what we believe. So there's often a trigger at the beginning of the whole process. I need a job. I've just been laid off, and the thought or belief is this is a tough market. No one's going to want to hire me. I didn't get enough to a high enough level, or my resume is not going to be impressive. That creates the emotion of fear. Fear leads to limited options, like, I'm not even ready to talk about my skills. I'll just go apply online. That's it. I'll send out like 50 resumes online. Online is never the best way to find a job, and it's usually. Maybe 20% of the best strategy. So we look online, and then the result is, that's our action. The result is, maybe we get called for one or two interviews. So now we're annoyed This isn't going well, that thought, that belief now starts a whole nother chain reaction. This isn't going well. I'm never going to find a job more anger and frustration and fear, and we make new choices, take more action, and the results may not change. So what you can do with this is interrupt the whole flow and choose a different thought, a different belief. And one possibility for this kind of a person would be, I've had a reasonably good career. I have a lot of skills, maybe if I ask for some help, I can present myself in a different way, or I'm really focusing too much on the negative, and a new belief might be if I tell my story in a more positive way, and if I can calm myself down, I know I'm hireable. I know I can do well, and that would bring a new emotion of some positivity, some maybe even a little spark of joy, some contentment. I don't know if we could go all the way to happy and we look at making different choices. Who can I ask? Who do I think describes themselves really well? Who has a lot of confidence? Maybe a good friend of mine can help me, and we look at a bunch of choices. I've heard that networking is more important than looking online, but I don't, I don't think I can network well. Who do I know that networks well, and then we take different action, like maybe talking to one of those friends, or working with a job search office or a coach, and we get different results, and that then feeds the formula again. Then we're like, okay, that worked. I'm on the right track. I got more interviews. I'm hireable, and it keeps circulating and circulating.   Michael Hingson ** 47:28 Yeah, and the example you just gave, the reality is, all too often we talk ourselves into a bad situation or a not positive situation, because we do the what ifs and we don't look at options. And I think it's so important to think about the more positive things. And the reality is, Gandhi put it very well when he said interdependence is an ought to and ought to be as much the ideal of man as a self sufficiency. And the point is, is so true that we're all part of the same world. We're all part of the same process, and the more we work together, and the Learn More we learn to work together, the better it will be. Yes,   Gail Sussman-Miller ** 48:17 and interestingly, maybe building on your What if concept, there's, there's a, there's a game I sometimes play with people, if you can picture like the chair you're sitting in is, is center center point. What if negative moves to your left every time you answer? Well, what if I don't get a job? Well, what if I go hungry? What if I'm broke? What if, and you keep moving left, left, left, further, or you can come back to center and move to the right, well, what if I get some help, and that leads to a job? And what if this, and what if this going positive, and you just notice where, where are you in the center? And the minute you go, what if, positive two or three steps, but you have a negative thought, it takes you back to the center. So it's just a way of paying attention. Am I? Am I going up with my What if, or in this case, to to the right, or am I going? What if negative they can go either way,   Michael Hingson ** 49:26 well. And the issue is, you take two or three steps to the right or movements to the right, and then a negative thought comes along again. You have the choice and the control of how you deal with that negative thought of that as a negative thought, I'm not going to let that control my life. It might be good point. Glad you brought that up negative mind, but that's not going to help me progress, and that. That's the part that I think a lot of people don't learn how to deal with very well. We're way too negative oriented in our world. It seems, sometimes seems to me,   Gail Sussman-Miller ** 50:12 Well, it's interesting, because that's the human protective ego side bringing up the fear based thought, like, Ooh, wait a minute, you're feeling a little too cocky so you could get hurt. Let me throw a monkey wrench in here. Well, what if? And then here comes the negative thought. And we really those thoughts are so powerful, they influence not just our emotions and choices and action and results, but they they influence what what we believe, and we actually vibrate that to other people. I'm sure you know our listeners and and you have walked into a room and said something with with other people, and you just feel something in the air someone's like, did you just walk in after an argument two people had or something doesn't feel right. We really do vibe off each other. And using continuing to use the job search metaphor, depending on how you come in the room to meet someone that wants to have a conversation with you, you set the tone you really we have that power. It's takes a lot of practice, though, to catch like you said, Oh, thanks, negative mind, because it is worth thinking. It is trying to protect you, and especially your very young child. All our coping mechanisms, we taught, we were taught them or developed them, and it's gotten us this far, but it may not be serving you anymore, or   Michael Hingson ** 51:54 you you haven't learned how to put a barrier or a stop to those things, and that's the the part that's missing. Can you give us an example? Tell us a story about someone who you've helped with, with the whole process and what happened?   Gail Sussman-Miller ** 52:12 Well, this is kind of fun, and this has happened a couple times. To tell you about I'm trying to decide which story to tell you, because I'm also thinking about protecting confidentiality. So maybe this is a little easier one. So I have a client who, right now is actually a month from today, is her 65th birthday, and she's thinking was came to me thinking about retiring. She She and I worked together, I don't know, maybe 10 years ago, and she came back, and she was in a lot of either or thinking, so I'd like to make a decision, and may 12, be retired, but I still really love what I do. She's a musician, and I know she would enjoy my telling her story, and I still get a lot of pleasure out of it, but I don't want to work so many hours. She's used to kind of just saying yes to every gig that comes along, sure I'll play for you. Sure, sure. So part of our work was about what is your desired outcome? What do you really want? Do you want to stop working and cook and visit with people and go on trips? No, I really still like working, but I don't really trust myself to not work all the time. So we wound up shifting using a similar thought formula. Her current belief was it's either work or play. That was it. So that led to feeling overwhelmed and afraid, and that led to her making choices to postpone it, which is really a choice. She didn't take action. And the result is, well, I'm getting even closer to that 65th birthday, and I have no decision. And we shifted to the concept of what about work and play, that there were way to set ways to set limits. We came up with some criteria, all based on joy. Which gigs bring you the most joy? Oh, well, that's easy. I get to play this instrument, not that one within 25 miles of my home, for people that I really like, Okay, now we have, like, a thought filter, a choice filter for choice filter, right, right. It has to meet this criteria, this one and this one. Oh, but then I'll hurt the feelings of people I say no to we worked on that. Well. Now. I just talked to her yesterday, she said no to like, two or three gigs. Said yes to six. She's working fewer hours, and now she's exploring, what do I want to do with my time off? She's never taken much time off, and now it's just plugging in some time for my husband, some time for learning new recipes, some time for practicing my instrument, and now she trusts herself to only say yes to the gigs that bring joy. And   Michael Hingson ** 55:32 why did she say no? Why did she say no to some   Gail Sussman-Miller ** 55:38 they they were on holidays, which she's used to sacrificing holidays. And she said, Nope, I want Easter with my husband and my family. I'm saying no,   Michael Hingson ** 55:50 that's my point. Yeah, and yeah. And it was limits. It   Gail Sussman-Miller ** 55:54 was setting limits. Maybe she'd worked with them before and they didn't pay on time, or it was out of her driving limit, or something about it, there's no one else in the room with her making the decision. Something about it didn't feel right, like it's just trusting instinct, but there were some clear cut yeses and clear cut nos instead of I need to please everyone, so I have to say, yes, yeah,   Michael Hingson ** 56:26 which is so cool.   56:28 Yes, it's so fun. Well, what's   Michael Hingson ** 56:30 the best way that people can explore working with you?   Gail Sussman-Miller ** 56:33 Well, I think that when we share this video and the audit the recording, that folks will have my email but let me give it to you now. Yes, please. My email address is Gail, G, A, I, L, at, inspired choice.com, that's I n, s, p, i, R, E, D, C, H, O, i, c, e.com, you can also call me good old telephone, 773-477-4012, still have my Chicago area code. There you go. And my website, if you want to learn more, is www, dot inspired, choice.com,   Michael Hingson ** 57:20 and through the website, and I would assume that through the website, they also can contact you. There's contact information on the site and so on.   57:28 Cool.   Michael Hingson ** 57:31 Well, this, I think, has been a lot of fun to do, and I think it's so important that people learn that they can discover better how to make choices, and that you're out there to help. And I still love chief obstacle. Buster, I think that's such a great title.   Gail Sussman-Miller ** 57:52 And Michael, I just want to add that I'm happy to always set up a zoom and meet with people and explore the possibilities and see it has to be a good fit on both sides and like, am I even someone who is coachable, or is this something that would even work for me? So that's always the first step.   Michael Hingson ** 58:16 Exploration is always a good thing. Yeah. Well, I want to thank you for being here, and I want to thank you all for listening and watching us today. I hope that this has been informative and useful and helpful, and that you will take advantage of the services and skills that Gail has to offer and that you'll reach out to her. I want to thank you for listening, and as always, really appreciate all that you're doing with unstoppable mindset and attending our different episodes. I'd love to hear from you. You can reach me by email at Michael H i, at accessibe, A, C, C, E, S, S, I, B, e.com, or go to our podcast page, www dot Michael hingson.com/podcast, Michael hingson is m, I C, H, A, E, L, H, I N, G, s, o, n.com/podcast, wherever you're listening, please give us a five star rating. Really would love to get that. It really is one of the wonderful things. When people give us a rating, we hope it'll be five star. But whatever you rate us, please review and we'd love to hear your thoughts and your comments. If you know of anyone else who ought to be a guest on unstoppable mindset, please encourage them to reach out, or you reach out and introduce us. Love it. Gail, you as well. If you know anyone else who ought to be a guest, please let us know. Thank you today. Michael, well, I want to thank you again, and we really appreciate you being here. Thanks very much for all of your time. Thanks.   **Michael Hingson ** 59:54 You have been listening to the Unstoppable Mindset podcast. Thanks for dropping by. I hope that you'll join us again next week, and in future weeks for upcoming episodes. To subscribe to our podcast and to learn about upcoming episodes, please visit www dot Michael hingson.com slash podcast. Michael Hingson is spelled m i c h a e l h i n g s o n. While you're on the site., please use the form there to recommend people who we ought to interview in upcoming editions of the show. And also, we ask you and urge you to invite your friends to join us in the future. If you know of any one or any organization needing a speaker for an event, please email me at speaker at Michael hingson.com. I appreciate it very much. To learn more about the concept of blinded by fear, please visit www dot Michael hingson.com forward slash blinded by fear and while you're there, feel free to pick up a copy of my free eBook entitled blinded by fear. The unstoppable mindset podcast is provided by access cast an initiative of accessiBe and is sponsored by accessiBe. Please visit www.accessibe.com . AccessiBe is spelled a c c e s s i b e. There you can learn all about how you can make your website inclusive for all persons with disabilities and how you can help make the internet fully inclusive by 2025. Thanks again for Listening. Please come back and visit us again next week.

Mayor Brandon Johnson joins Lisa Dent on the show to reflect on what Chicago endured in 2024 including but not limited to CPS, newly-appointed Chicago Board of Education members, and the city’s fight against crime. Then, Mayor Johnson reiterates his commitment to our city and what he plans to focus on in 2025.

Tom welcomes Mike McGlone, Senior Commodity Strategist at Bloomberg Intelligence, to discuss commodities and their prospects for 2025. McGlone acknowledges challenges such as lower oil and grain prices, harming producers due to a global surplus and decreasing Chinese demand driven by electric vehicle adoption. He anticipates continued declines in industrial metals like copper and explores geopolitical risks, particularly market implications of tensions between the US and adversaries - China, Russia, North Korea, and Iran. McGlone suggests gold as a prudent investment due to its performance during volatile markets when stocks and Bitcoin underperform. McGlone discusses technological advancements and their impact on the economy. He suggests an investment strategy of rotating between gold and Bitcoin at highs and lows based on their current divergence in performance. McGlone expresses concerns over Bitcoin's excessive ETF inflows as a sign of market speculation. Regarding silver, he suggests the silver-gold ratio should be higher based on volatility and historical patterns, with potential implications if China buys silver through ETFs to address economic challenges. Anticipating potential corrections in the US stock market, increased unemployment, and bond yield issues could lead to a different silver-gold ratio. Time Stamp References:0:00 - Introduction0:47 - Commodities in 20253:22 - Global Demand Decline5:08 - U.S. & China Deficits10:38 - Commodities & Tariffs16:34 - Bitcoin 'Indicator'20:22 - Tether & Treasuries26:07 - Gold/Bitcoin Ratio30:28 - ETF Demand & Flows33:16 - Market Correction?37:04 - 2025 Gold Target39:42 - Thoughts on Silver42:25 - Concluding Thoughts43:45 - Wrap Up Guest Links:Twitter: https://twitter.com/mikemcglone11LinkedIn: https://www.linkedin.com/in/mike-mcglone-a8442513/ Mike McGlone is a senior commodity strategist for Bloomberg Intelligence, a unique research platform that provides context on industries, companies, and government policy, available on the Bloomberg Professional service at BI(GO). Mr. McGlone specializes in the broad investible commodity markets. Mr. McGlone joined Bloomberg in 2016 with over 25 years of futures and commodity trading and investing experience, beginning at the Chicago Board of Trade. Prior to joining Bloomberg, he was a head of US research at ETF Securities. Prior to ETF Securities, Mr. McGlone headed the commodity business at S&P Indices. His previous roles included head of futures research at ABN Amro and VP research, analyst, trader, sales at Aubrey G. Lanston / IBJ Futures. Mr. McGlone has an MBA from DePaul University in Chicago and bachelor's of science and arts degrees from Illinois State University. He is a CFA Charter holder and has earned a Financial Risk Manager designation.

What are the red flags and hidden pitfalls in real estate syndication that even experienced investors often overlook?   In this episode, Daniel Holmlund shares invaluable lessons from his extensive career in real estate syndication and investing. With insights drawn from over two decades of experience, Daniel delves into the nuances of raising capital, understanding SEC regulations, and the importance of knowing your investors. He also discusses strategies to build trust and avoid costly mistakes, providing a roadmap for those looking to excel in syndication and passive investing.     [00:01 – 08:00] From Engineer to Syndicator Daniel's transition from engineering to real estate syndication Key experiences that shaped his approach to investing Lessons from trading on the Chicago Board of Trade   [08:01 – 16:26] Building Relationships in Syndication The critical role of trust in partnerships Why knowing your investors' goals matters Structuring syndications for mutual success [16:27 – 24:34] Avoiding SEC Pitfalls Key SEC regulations every syndicator must know Real-life consequences of failing to comply with securities laws The difference between a syndicator and a broker-dealer   [24:35 – 32:46]The 506(b) Strategy Benefits of using the 506(b) exemption for syndications Differences between accredited and sophisticated investors Tips for establishing pre-existing relationships   [32:47 – 39:10]Engaging and Retaining Investors Strategies for maintaining investor interest and trust Using automation and thoughtful gestures to strengthen relationships Why a thought leadership platform is essential for syndicators     Key Quotes:   "Things are great while they're great, but when they're not, that's when you realize who your partners are." - Daniel Holmlund   "Investors aren't just funding your deals—they're trusting you with their goals and dreams." - Daniel Holmlund     Connect with Daniel:   Website: https://alternativeinvestingclub.com/ LinkedIn: https://www.linkedin.com/in/daniel-holmlund/     Visit sponsorcloud.io/contact today and unlock $2,000 of free services exclusively for REI Rocks community members! Get automated syndication and investor relationship management tools to save time and money. Mention your part of the REI Rocks community for exclusive offers. Help make affordable, low-cost education summits possible. Check out Sponsor Cloud today!   LEAVE A REVIEW + help someone who wants to explode their business growth by sharing this episode.   Are you confused about where to start? Join our community and learn more about real estate investing.    Head over to our Facebook Page, YouTube channel, or website  https://www.theacademypresents.com/jointhesummit36848306.

At a meeting Friday night, the Chicago Board of Education voted to oust Pedro Martinez after months of tension between the mayor and the CEO. Reset gets the details from Chalkbeat Chicago reporter Reema Amin. For a full archive of Reset interviews, head over to wbez.org/reset.

This week Vance Crowe is joined by Joe Vaclavik. Vaclavik is the founder and president of Standard Grain in Nashville, Tennessee. He started his career at the Chicago Board of Trade before relocating to Nashville, establishing himself as a key player in dealing directly with large-scale agricultural entities across the U.S. His expertise lies in providing market commentary and analysis, which has made him a familiar face on platforms like CNBC, Fox Business, and The Wall Street Journal, among others.Vaclavik is recognized for his deep market insights, particularly in grain markets, weather impacts, and economic trends affecting agriculture. He hosts the podcast "Grain Markets and Other Stuff," discussing market dynamics and agricultural news. Educated in Agribusiness at the University of Illinois, he often speaks at events like the Top Producer Summit, sharing his knowledge on commodity marketing and risk management.On this week's episode, we delve into recent agricultural and environmental news. Despite cuts to the spending bill, farmer payments remain intact with $10 billion in direct support and $20.8 billion for disaster relief for the 2023-2024 crop years. We discuss how these funds, with specific payment rates for corn, soybeans, and wheat, might influence farmers' economic situations and grain markets. We also cover the alarming spread of H5N1 bird flu, with the first severe human case reported in Louisiana and California declaring a state of emergency for its dairy industry. The absence of a vaccine due to export concerns adds complexity to managing this outbreak.Lastly, we explore the proposed federal protections for the monarch butterfly, listed as threatened due to significant population declines. We'll analyze what this listing means for conservation efforts, agriculture, and how regional variations in monarch numbers might affect these strategies. Join us for a deep dive into these pivotal issues shaping our agricultural and ecological landscape.

Convicted killer received maximum prison sentence for 2017 murders, and more.

Man sentenced to prison after largest sales tax evasion in Illinois, and more.

The Chicago Board of Education offered the Chicago Public Schools CEO a buyout this week – though the move doesn't seem to have worked. It's the latest in the months-long power struggle between Pedro Martinez and the mayor's office. Reset gets up to speed with WBEZ education reporter Sarah Karp, and we look ahead to what could come next. For a full archive of Reset interviews, head over to wbez.org/reset.

Earlier this week, the Chicago Board of Elections finished counting ballots, and out of 77 Cook County judges seeking retention, Shannon O'Malley became the third judge in the past four elections to lose retention. Injustice Watch's Kelly Garcia and the Tribune's Jake Sheridan tell us what this result means for election participation and the growing chasm between city and suburban voters. Plus, we discuss city budget negotiations, CPD's sluggish reform progress, and play a round of "Is It Decent, Decent or Decent." Good News: The 12th annual Grabadolandia Print Fair Want some more City Cast Chicago news? Then make sure to sign up for our Hey Chicago newsletter.  Follow us @citycastchicago You can also text us or leave a voicemail at: 773 780-0246 If you enjoyed today's interview with Chicago Department of Cultural Affairs and Events Program Director Event Productions, Neal Heitz, learn more here. Learn more about the sponsors of this Nov. 22 episode: The Second City Orthodontic Experts Court Theatre Become a member of City Cast Chicago. Interested in advertising with City Cast? Find more info HERE

“Financial Literacy” with Danny Banks on the “Timeless Truths” Podcast (Episode 66). Danny Banks started working at the Chicago Board of Trade when he was 19. He spent 13 years there and started learning about financial markets there. He has continued to learn and build businesses ever since and started working directly in insurance and financial services in 2017. He is passionate about empowering people through financial literacy. Health, wealth, happiness, and freedom are his priorities. Danny's program, the Flexmethod, is a strategy that allows you to achieve double digit returns over time, without market risk, in a tax free lifetime income stream. Leave your loved ones legacy benefits in he event of the unexpectedSHOW NOTES:· Danny's background at the Chicago Board of Trade (1:50)· “Rich Dad Poor Dad” book by Robert Kiyosaki (5:15)· What creates wealth? (7:25)· Teaching financial literacy in our educational system (11:45)· Creativity in entrepreneurship (15:10)· Financial independence (17:00)· Getting information to kids when they are young (23:10)· The definition of money & the gold standard (26:10)· The unfunded liabilities of the US Government (32:40)· The meaning of inflation (34:00)· Gold and silver vs. printed money (37:30)· Crypto currency (49:10)· What is money? (59:10) HOW TO CONNECT WITH DANNY BANKS:Website: https://theflexmethod.com/danny-banks/Email: Dbanks128@gmail.com You can listen to this podcast on Apple or Spotify:Apple –https://podcasts.apple.com/us/podcast/timeless-truths/id1695920504Spotify –https://open.spotify.com/show/0TU2Tj6gmTY3tuwiU3DrUHFor links to other podcast platforms, use LinkTree –https://linktr.ee/drchris024 This is Dr. Christine Van HornWebsite: www.drchris.coEmail: chris@drchris.coFB: https://www.facebook.com/wisdom.drchris Hosted on Acast. See acast.com/privacy for more information.

Earlier this week, Mayor Brandon Johnson announced his $17.3 billion budget proposal for 2025. Staring down a $1 billion budget gap, the mayor announced a $300 million property tax increase to avoid what he said would otherwise be mass layoffs and cuts to critical city services. We are joined by Illinois Answers Project's Alex Nitkin and City Bureau's Ariel Chung to discuss other cost-cutting measures, key investments, and the remaining budget season timeline. Plus, we discuss the regional transit authority's new board, Google's Thompson Center transformation, and Chicago-area Palestinians returning to their home country for olive harvesting season. Good News: Huge improvement in city tree trims Nominate City Cast Chicago for best podcast and Hey Chicago for best email newsletter. Want some more City Cast Chicago news? Then make sure to sign up for our Hey Chicago newsletter.  Follow us @citycastchicago You can also text us or leave a voicemail at: 773 780-0246 Learn more about the sponsors of this Nov. 1 episode: Chicago Board of Election Commissioners Mubi BetterHelp – Get 10% off at betterhelp.com/CITYCAST Become a member of City Cast Chicago. Interested in advertising with City Cast? Find more info HERE

Whether you're trying to go out for Thanksgiving this year or just want to order a pie, we have recs for you. From last-minute election tips to best new restaurants to wild turkey facts, here's what you need to know to enjoy November. For even more ideas on how to make the most of November in Chicago, check out Hey Chicago's take on what to do this month. If you're new here, welcome! We've put together a starter pack for you, with episodes and articles to welcome you to the City Cast Chicago community. City Cast Chicago's guide to November is made possible by our awesome sponsors, the Chicago Board of Election Commissioners, Mubi, and BetterHelp (Get up to 10% off at Betterhelp.com/CITYCAST). Find out more about how to become a member of City Cast Chicago. Interested in advertising with City Cast? Find more info here Reach us at chicago@citycast.fm

Devon Avenue is known as a cultural hub for South Asian Chicagoans. As folks celebrate Diwali, the Hindu festival of lights, and traffic picks up in the neighborhood, we are checking in on some of the best Indian and Pakistani restaurants in the city. Eater Chicago editor Ashok Selvam tells host Jacoby Cochran what qualities he looks for in South Asian cuisine and his favorites.  Places mentioned: Tandoor Char House  Annapurna  Superkhana International Indienne The Coach House  King Sweets Art of Dosa  Udupi Palace Basant Kama Bistro Indian Garden  Indian House Nominate City Cast Chicago for best podcast and Hey Chicago for best email newsletter.  Want some more City Cast Chicago news? Then make sure to sign up for our Hey Chicago newsletter.  Follow us @citycastchicago You can also text us or leave a voicemail at: 773 780-0246 Learn more about the sponsors of this Oct. 30 episode: Chicago Board of Election Commissioners BetterHelp – get 10% off at betterhelp.com/CITYCAST Become a member of City Cast Chicago. Interested in advertising with City Cast? Find more info HERE 

After the entire board resigned, Mayor Brandon Johnson quickly announced a new slate of school board members. All seven were sworn in on Thursday. Host Jacoby Cochran and executive producer Simone Alicea talk about what happened during their first meeting, plus we've got a Congressional quiz and messages from our listeners.  Nominate City Cast Chicago for Best podcast and Hey Chicago for Best email newsletter.  Want some more City Cast Chicago news? Then make sure to sign up for our Hey Chicago newsletter.  Follow us @citycastchicago You can also text us or leave a voicemail at: 773 780-0246 Learn more about the sponsors of this Oct. 29 episode: Chicago Board of Election Commissioners BetterHelp – get 10% off at betterhelp.com/CITYCAST Become a member of City Cast Chicago. Interested in advertising with City Cast? Find more info HERE

Mayor Brandon Johnson is set to give his budget address this week as the city stares down a nearly $1 billion gap for next year. One word we can almost guarantee you'll hear is: pensions. Chicago currently owes over $37 billion to its four employee pension funds representing police officers, firefighters, municipal employees and laborers. Chicago's pensions have been underfunded and in crisis for years now, but what does that really mean? We're revisiting our conversation from last year with DePaul University's Dr. Amanda Kass, who studies city pensions. She breaks down how the debt got so high and why the “crisis” narrative may be doing more harm than good. Good news: Chi-Soul Workshops  Want some more City Cast Chicago news? Then make sure to sign up for our Hey Chicago newsletter.  Follow us @citycastchicago You can also text us or leave a voicemail at: 773 780-0246 Learn more about the sponsors of this Oct. 28 episode: Chicago Board of Election Commissioners BetterHelp – get 10% off at betterhelp.com/CITYCAST Become a member of City Cast Chicago. Interested in advertising with City Cast? Find more info HERE

Former president Donald Trump makes a stop in Chicago, questions around the Chicago Board of Education, the city's Greyhound station to stay and Open House Chicago. Reset dives into these stories and more with Block Club Chicago reporter Melody Mercado, WTTW news correspondent Nick Blumberg and WBEZ data projects editor Alden Loury. For a full archive of Reset interviews, head over to wbez.org/reset.

From questions about how and where to vote to what to expect as the votes are counted, we turn to the experts. Reset checks in with election officials Matt Dietrich, public information officer Illinois State Board of Elections and Max Bever, Director of Public Information at the Chicago Board of Elections. For a full archive of Reset interviews, head over to wbez.org/reset.

Forrest Claypool has one of the most impressive and varied resumes in politics...early campaign and operative work with David Axelrod and Rahm Emanuel, two-time Chief of Staff to the mayor of Chicago, opposing Barack Obama in mock debates in his 2004 Senate race, running the Chicago Park District, Chicago Transit Authority, and Chicago Board of Education, elected to the Cook County Board, intense races against the Chicago machine, and now author of the new book - The Daley Show - about the 20+ year tenure of Chicago Mayor Richard M. Daley. In this conversation, Forrest talks his path from small town Southern, IL to breaking into politics to his time running major city departments to being an integral part of the Chicago machine before running against the machine a few years later and deep into the last 40+ years of Chicago politics through the impact of the mayoralty of Richard M. Daley. IN THIS EPISODE...Forrest's roots in Southern Illinois and the state politics of his youth in the 60s and 70s...Forrest connects with David Axelrod at the start of the Axelrod rise as a national media consultant...The x-factor that made Axelrod such an effective political consultant...One of Forrest's favorite races he worked on as a political consultant...Forrest plays the role of Alan Keyes in Barack Obama's 2004 debate prep...Forrest's initial impressions of the 1990s Barack Obama who started making the rounds in Chicago politics...Forrest remembers the Rahm Emanuel he first worked with in the mid-1980s...Of the numerous positions he held around Chicago and Cook County politics, which did Forrest find most exciting...Why Forrest turned down an almost sure-thing, safe seat in Congress...What he learned when he ran for Cook County office himself...The Forrest Claypool 101 on effectively running organizations...His evolution as a foot soldier of the Daley machine to a prominent machine critic and opponent...What made Forrest write his new book, The Daley Show, about the 20+ year mayoralty of Richard M. Daley...How the original Mayor Daley, Richard J. Daley, dominated Chicago politics for decades...The story of Richard M. Daley in the political wilderness after the death of his father, and how he rose to the mayor's office via an "outside game"...Details on how the Chicago mob controlled an entire city ward into the 1980s and 90s...The importance of "abandoned cars" in running a city...The most important accomplishment of the Mayor Richard M. Daley era...The biggest "missed opportunity" from Daley's time as Mayor...The "most brilliant ploy" Forrest saw from Mayor Daley during the 1990s wars over Chicago-area airports...The story from Forrest's first race in Cook County, with his opponent trying to convince voters that Forrest (who is white) was a Black candidate...How far one has to go back in Chicago politics to find election-counting interference...Forrest's take on why Chicago is no longer "a city that works"...Forrest's favorite story of the influential Chicago columnist, Mike Royko...Forrest's must-see recommendations around Chicago for political junkies...AND AKPD, Yasser Arafat, Thomas Barnes, Evan Bayh, Michael Bilandic, Rod Blagojevich, Jane Byrne, Jimmy Carter, council wars, Fred Cowan, Andrew Cuomo, John D'Arco, Richard Dennis, economic invalids, eye-glazing agencies, Paul Findley, Newt Gingrich, The Grateful Dead, iron-handed bravado, Brandon Johnson, Martin Kennelly, Martin Luther King, Lori Lightfoot, Machiavellian power plays, Ron Madison, Millennium Park, The Rolling Stones, John Stroger, Ed Vrdolyak, & more!

All seven members of the Chicago Board of Education announced Friday they will be resigning. Meanwhile, Chicago Mayor Brandon Johnson has to figure out how to close a massive budget gap, and local colleges and universities have imposed more restrictions on protest on campus. Reset goes behind those headlines and more with Chicago Sun-Times education reporter Nader Issa and Axios Chicago reporter Carrie Shepherd. For a full archive of Reset interviews, head over to wbez.org/reset.

Despite weeks of pressure from Mayor Brandon Johnson and the teachers union, the Chicago Board of Education did not remove Chicago Public Schools CEO Pedro Martinez from his post last week. Reema Amin explains why there's tension between the mayor and CPS chief. Host - Jon HansenReporter - Reema AminRead More Here Want to donate to our non-profit newsroom? CLICK HEREWho we areBlock Club Chicago is a 501(c)(3) nonprofit news organization dedicated to delivering reliable, relevant and nonpartisan coverage of Chicago's diverse neighborhoods. We believe all neighborhoods deserve to be covered in a meaningful way.We amplify positive stories, cover development and local school council meetings and serve as watchdogs in neighborhoods often ostracized by traditional news media.Ground-level coverageOur neighborhood-based reporters don't parachute in once to cover a story. They are in the neighborhoods they cover every day building relationships over time with neighbors. We believe this ground-level approach not only builds community but leads to a more accurate portrayal of a neighborhood.Stories that matter to you — every daySince our launch five years ago, we've published more than 25,000 stories from the neighborhoods, covered hundreds of community meetings and send daily and neighborhood newsletters to more than 130,000 Chicagoans. We've built this loyalty by proving to folks we are not only covering their neighborhoods, we are a part of them. Some of us have internalized the national media's narrative of a broken Chicago. We aim to change that by celebrating our neighborhoods and chronicling the resilience of the people who fight every day to make Chicago a better place for all.

Earlier this week, four people were gunned down while sleeping on a Blue Line train en route to Forest Park. While the alleged gunman was apprehended soon after, investigators are still working to piece together the timeline. Block Club Chicago's Manny Ramos and Ariel Parrella are here to explain the latest details. Plus, we discuss misinformation about new arrivals living in Washington Park, how North Side communities are honoring a legendary ice cream vendor, and Block Club's Block Party.  Want some more City Cast Chicago news? Then make sure to sign up for our Hey Chicago newsletter.  Follow us @citycastchicago  You can also text us or leave a voicemail at: 773 780-0246 Learn more about the sponsors of this Sep. 6 episode: Chicago Board of Election Commissioners Navy Pier Babbel Become a member of City Cast Chicago. Interested in advertising with City Cast? Find more info HERE

Tourism season is still in full swing, and we are curious why these popular Chicago attractions got poor reviews. Host Jacoby Cochran plays with Dairo Durham and Sara Faddah from 77 Flavors of Chicago to see who can guess the Chicago spot based on its one-star ratings.  Want some more City Cast Chicago news? Then make sure to sign up for our Hey Chicago newsletter.  Follow us @citycastchicago You can also text us or leave a voicemail at: 773 780-0246 Learn more about the sponsors of this Sep. 5 episode: Chicago Board of Election Commissioners Navy Pier Babbel Become a member of City Cast Chicago. Interested in advertising with City Cast? Find more info HERE

September just started, and pumpkin spice is already making a comeback. Last fall, we learned that Illinois is the country's largest producer of pumpkins and home to the canned pumpkin brand that made pumpkin pie a household staple. Host Jacoby Cochran and executive producer Simone Alicea reviewed some pumpkin spice offerings and learned some pumpkin facts. Want some more City Cast Chicago news? Then make sure to sign up for our Hey Chicago newsletter.  Follow us @citycastchicago You can also text us or leave a voicemail at: 773 780-0246 If you enjoyed today's interview with Chicago Department of Cultural Affairs and Events Program Director Event Productions, Neal Heitz, learn more here. Learn more about the sponsors of this Sept. 4 episode: Chicago Board of Election Commissioners Navy Pier Babbel Become a member of City Cast Chicago. Interested in advertising with City Cast? Find more info HERE

If you're new here, welcome! We've put together a starter pack for you, with episodes and articles to welcome you to the City Cast Chicago community. Whether you're trying to make the most of the last few weeks of summer or you're ready for cozy fall vibes, we got you. From leaf-peeping road trips to best new restaurants to tailgating tips, here's what you need to know to enjoy September. For even more tips on how to make the most of September in Chicago, check out Hey Chicago's take on what to do this month. If you enjoyed today's interview with Revolution Brewing communications head John Carruthers, learn more here. City Cast Chicago's guide to September is made possible by our awesome sponsors, the Chicago Board of Election Commissioners, Navy Pier, and Babbel (Get up to 60% off at Babbel.com/CITYCAST).  Find out more about how to become a member of City Cast Chicago. Interested in advertising with City Cast? Find more info here Reach us at chicago@citycast.fm