Podcasts about commissions

Jeff Malec kicks off “Chicago Month” on The Derivative with Chicago real estate powerhouse Tommy Choi of Weinberg Choi. Tommy lays out what really makes Chicago compelling as a place to live and invest—world-class food, underrated beaches, iconic bungalows, and relative affordability, while tackling the tough stuff around crime headlines, taxes, and politics. He breaks down post-pandemic migration, why inventory is so tight, how boomers with 2–3% mortgages and “Bank of Mom and Dad” shape the market, and why millennials are choosing flexibility and crypto over owning. Jeff and Tommy hit on stubbornly high rates, surging rents, condo special assessments, aging buildings, the limits of Loop office-to-resi conversions, and how AI and blockchain might (and might not) change the game. They wrap with a very Chicago detour into best burgers, dive bars, Wrigley in summer, and a few local hacks for seeing the city like a native. If you care about real estate as an asset class, Chicago as a case study in big-city risk and reward, or just want some elite burger intel, this one's for you.Chapters:00:00-01:00=Intro01:01–03:47 = Selling Chicago: Food, Beaches, Weather, Taxes, and Crime Headlines03:48–15:57 = Inventory Squeeze: Boomers, Millennials, Rates, and the Battle to Buy or Rent15:58–30:54 = Life as a Top Realtor: Relationships, Weekends, and the Business Behind the Billion30:55–43:32 = AI, Search, and the Future Home Hunt: How Tech Is Rewiring Real Estate43:33–59:19 = Commissions, Class Actions, and Blockchain: Cleaning Up the Real Estate Game59:20–1:07:10 =  The NAR Shake-Up1:07:11–1:22:19 =  Chicago Like a Local: Best Burgers, True Dive Bars, Wrigley, Cherry Blossoms, and City HacksFollow along with Tommy Choi on LinkedIn and X and be sure to check out his website at weinbergchoi.com!Don't forget to subscribe to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Derivative⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, follow us on Twitter at⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@rcmAlts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 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

CFP Daniel Flanscha is a financial expert of 40 years who's taking on the claims of The Money Guy Show against infinite banking and whole life insurance. Watch the Interview on Youtube for Visuals - https://youtu.be/5iJ-iQhpcXgWatch The 10 Part Course Here: https://bttr.ly/academic-case Want to See If Whole Life Insurance Can Improve Your Financial Plan? Schedule Your Clarity Call Here: https://bttr.ly/bw-yt-aa-clarityLearn More About BetterWealth: https://betterwealth.com In this response video to the Money Guy Show, Daniel Flanscha and Caleb Guilliams walk through 9 points from the Money Guy Show on infinite banking, carefully dismantling what they get wrong or misunderstand about whole life insurance. Chapters: 03:37 - Reaction To the Money Guy Show 07:19 - Point 1: Investment vs. Insurance Silos 09:13 - Point 2: Fees and Commissions 11:22 - Point 3: Misunderstanding Whole Life vs. Universal Life 14:30 - Point 4: Buy Term and Invest The Difference 18:13 - Point 5: The Cost Difference: Term vs. Whole Life 22:34 - Point 6: Permanent Life Insurance and Insurance Products Can Improve Income 27:28 - Point 7: Infinite Banking Makes It Worse 32:06 - Point 8: Deep Dive Into ROR Assumptions 35:17 - Point 9: Code of Competency 36:57 - Recommended Resources and Closing DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Nicki and Mervyn return to the topic of travel and even find a way to broach several other matters as well.

Écoutez la chronique financière du lundi 8 juin: Marie-Eve Fournier discute du vent de contestation souffle sur le courtage immobilier au Québec. Alors que la valeur des propriétés a explosé, les commissions des courtiers, souvent fixées à 4%, demeurent inchangées pour un travail qui n'est pas plus complexe. Les professionnels tentant de réduire leurs tarifs ou d'instaurer un libre marché font face à de l'intimidation et des boycotts de la part de leurs pairs. Devant les limites de l'autoréglementation de l'OACIQ et le manque de transparence des enchères, Patrick Lagacé et Marie-Eve Fournier soutiennent qu'il est temps pour l'État d'intervenir afin de protéger les consommateurs.Voir https://www.cogecomedia.com/vie-privee pour notre politique de vie privée

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Todd Kroupa A former firefighter turned top-producing real estate agent in Georgia. Todd explains his journey from a physically demanding fire department career to becoming a highly successful real estate broker, team leader, and luxury/equestrian property specialist. The conversation walks through: His transition from the fire service to real estate Opening and managing a 400‑agent office in Florida Relocating to Georgia and re-establishing his business How he advises both first-time homebuyers and experienced sellers Emotional decision-making in buying and selling Inspections, deal-breakers, and buyer/seller behavior Multi-generational housing trends post‑COVID Why real estate remains a wealth-building tool Advice for navigating neighborhoods, schools, and due diligence His eventual ranking as #1 single agent for Berkshire Hathaway in Georgia (2024–2025) Todd emphasizes integrity, long-term relationships, and guiding clients toward the right house — not just closing a deal. Purpose of the Interview The purpose of Todd Kroupa’s appearance is to: Share a motivational career-change story — moving from firefighter to top real estate agent. Educate listeners on the real estate process — including buying, selling, inspections, and market strategy. Give practical tips for first-time homebuyers, families, and multi-generational households. Promote best practices for choosing neighborhoods, navigating emotion in home buying, and avoiding pitfalls. Highlight Todd’s success and position him as a trusted resource for Georgia real estate clients. Key Takeaways 1. Career Transition & Motivation Todd became a firefighter in 1992, retired in 2014, and began real estate in 2002. Real estate appealed to him because it allowed him to continue helping people without the physical strain. He built and managed a 400-agent office before returning to working directly with clients — his true passion. 2. Balancing Firefighting and Real Estate He often worked both jobs full-time, with limited days off. Eventually, maintaining both became impossible: “I can’t do this anymore,” he told his wife. 3. Buyer Advice Buyers make decisions emotionally first, then logically. Within the first 3–5 minutes in a home, buyers often know if they like it. Lighting, paint color, home condition, and layout heavily influence emotional response. First-time buyers need extra guidance — like “teaching someone to drive for the first time.” 4. Seller Advice Selling isn’t just about market timing — presentation matters. Neutral paint colors and bright white lighting help increase buyer appeal. Every showing is won or lost in the first few minutes. 5. Inspections Matter — and Are Deal Breakers Top inspection walk‑aways: Mold Foundation issues Roof problemsTodd stresses that if a buyer is uncomfortable before closing, “you won’t be comfortable after you close.” 6. Emotion vs. Logic Many buyers get emotionally attached and ignore red flags. Todd’s rule: commissions should never drive decisions. 7. Multi-Generational Living Is Rising Driven by COVID, high child-care costs, rising home prices. Families are choosing: ADUs (Accessory Dwelling Units) “In-law suites” Larger family compounds 8. Real Estate as a Wealth Builder Unlike stock investments, real estate allows you to: Control, improve, alter, and live in the asset. Tax advantages like 1031 exchanges and mortgage deductions compound long-term value. 9. Don’t Buy the Most Expensive House in the Neighborhood Surrounding homes cap your resale value. You may have to wait years for nearby homes to “catch up.” 10. Neighborhood Due Diligence Realtors must avoid discrimination (Fair Housing Act). Buyers should: Visit neighborhoods at night and on weekends Speak with neighbors Review school ratings and county resources Notable Quotes (from the transcript) Career & Purpose “I love helping people. That’s why I became a fireman. Real estate was another way to help people.” “I wasn’t quite sure I wanted to manage long term… my heart was with clients.” Ethics & Commission “Commissions should never be above the people.” “If you’re focused on commissions, you need to pick a different industry.” Emotions in Home Buying “Buyers think they’re looking logically, but they’re looking emotionally first.” “Within the first 3–5 minutes, they already know if they like the home.” Inspections “If you’re not comfortable with the property now, you won’t be comfortable after you close.” Neighborhood Choice “Focus on the house, but look at the neighborhood — you can’t change your neighbors.” Wealth Building “With stocks you can’t control it, improve it, or live in it. With a home, you can.” Success & Determination “Someone told me when I moved to Georgia I wasn’t going to make it. Now I’m the number one salesperson in Georgia.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Todd Kroupa A former firefighter turned top-producing real estate agent in Georgia. Todd explains his journey from a physically demanding fire department career to becoming a highly successful real estate broker, team leader, and luxury/equestrian property specialist. The conversation walks through: His transition from the fire service to real estate Opening and managing a 400‑agent office in Florida Relocating to Georgia and re-establishing his business How he advises both first-time homebuyers and experienced sellers Emotional decision-making in buying and selling Inspections, deal-breakers, and buyer/seller behavior Multi-generational housing trends post‑COVID Why real estate remains a wealth-building tool Advice for navigating neighborhoods, schools, and due diligence His eventual ranking as #1 single agent for Berkshire Hathaway in Georgia (2024–2025) Todd emphasizes integrity, long-term relationships, and guiding clients toward the right house — not just closing a deal. Purpose of the Interview The purpose of Todd Kroupa’s appearance is to: Share a motivational career-change story — moving from firefighter to top real estate agent. Educate listeners on the real estate process — including buying, selling, inspections, and market strategy. Give practical tips for first-time homebuyers, families, and multi-generational households. Promote best practices for choosing neighborhoods, navigating emotion in home buying, and avoiding pitfalls. Highlight Todd’s success and position him as a trusted resource for Georgia real estate clients. Key Takeaways 1. Career Transition & Motivation Todd became a firefighter in 1992, retired in 2014, and began real estate in 2002. Real estate appealed to him because it allowed him to continue helping people without the physical strain. He built and managed a 400-agent office before returning to working directly with clients — his true passion. 2. Balancing Firefighting and Real Estate He often worked both jobs full-time, with limited days off. Eventually, maintaining both became impossible: “I can’t do this anymore,” he told his wife. 3. Buyer Advice Buyers make decisions emotionally first, then logically. Within the first 3–5 minutes in a home, buyers often know if they like it. Lighting, paint color, home condition, and layout heavily influence emotional response. First-time buyers need extra guidance — like “teaching someone to drive for the first time.” 4. Seller Advice Selling isn’t just about market timing — presentation matters. Neutral paint colors and bright white lighting help increase buyer appeal. Every showing is won or lost in the first few minutes. 5. Inspections Matter — and Are Deal Breakers Top inspection walk‑aways: Mold Foundation issues Roof problemsTodd stresses that if a buyer is uncomfortable before closing, “you won’t be comfortable after you close.” 6. Emotion vs. Logic Many buyers get emotionally attached and ignore red flags. Todd’s rule: commissions should never drive decisions. 7. Multi-Generational Living Is Rising Driven by COVID, high child-care costs, rising home prices. Families are choosing: ADUs (Accessory Dwelling Units) “In-law suites” Larger family compounds 8. Real Estate as a Wealth Builder Unlike stock investments, real estate allows you to: Control, improve, alter, and live in the asset. Tax advantages like 1031 exchanges and mortgage deductions compound long-term value. 9. Don’t Buy the Most Expensive House in the Neighborhood Surrounding homes cap your resale value. You may have to wait years for nearby homes to “catch up.” 10. Neighborhood Due Diligence Realtors must avoid discrimination (Fair Housing Act). Buyers should: Visit neighborhoods at night and on weekends Speak with neighbors Review school ratings and county resources Notable Quotes (from the transcript) Career & Purpose “I love helping people. That’s why I became a fireman. Real estate was another way to help people.” “I wasn’t quite sure I wanted to manage long term… my heart was with clients.” Ethics & Commission “Commissions should never be above the people.” “If you’re focused on commissions, you need to pick a different industry.” Emotions in Home Buying “Buyers think they’re looking logically, but they’re looking emotionally first.” “Within the first 3–5 minutes, they already know if they like the home.” Inspections “If you’re not comfortable with the property now, you won’t be comfortable after you close.” Neighborhood Choice “Focus on the house, but look at the neighborhood — you can’t change your neighbors.” Wealth Building “With stocks you can’t control it, improve it, or live in it. With a home, you can.” Success & Determination “Someone told me when I moved to Georgia I wasn’t going to make it. Now I’m the number one salesperson in Georgia.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

The Friday Five for June 5, 2026: Certification Reminder Pod Rec: Before Breakfast TRICARE Resources for Agents Clover Health Star Ratings 2027 MA and Part D Max Commissions   Get Connected:

Today, Pastor Al Dagel tells of how Jesus sent His disciples out on His behalf, and the accompanying power was impressive!  Tomorrow will bring the conclusion of this look at what Jesus still does through His followers. 

Send us a text and chime in!The City Council Subcommittee on Appointments is currently seeking applications from citizens who are interested in serving on the following City Boards, Commissions & Committees: Pedestrian, Bicycle & Traffic Advisory Committee: Term 3/2024 – 3/2027 (Short Term Replacement), 1 Vacancy, Must be a Prescott Resident Tourism Advisory Committee: Term 3/2025 - 3/2028 (Short Term Replacement), 1 Vacancy, No Residency Requirement Boards, Commissions, and Committees provide opportunities for citizens to take an active role in their local government. Members are appointed by the City Council upon recommendation from the Council Subcommittee on Appointments following review of applications. Applications are due to...   For the written story, read here >> https://www.signalsaz.com/articles/prescott-seeks-applicants-for-city-committees-2/ Check out the CAST11.com Website at: https://CAST11.com Follow the CAST11 Podcast Network on Facebook at: https://Facebook.com/CAST11AZFollow Cast11 Instagram at: https://www.instagram.com/cast11_podcast_network

"Embrace what it is about you that's unique and create content around that." Christian Walsh started his YouTube channel during COVID with seven subscribers. Today, Wire Associates is nearly 40,000 subscribers strong — and it has quietly become one of the most reliable lead engines in his real estate business, generating hundreds of thousands of dollars in commission income. In this episode of $tay Paid, Christian sits down with Luke Acree and Josh Stike to break down exactly how he did it. He shares why long-form YouTube is still the place to be (especially as AI starts citing it), how he carves out 20 hours a week between scripting, shooting, editing, and engagement, and why the most important call to action in any video is getting people to watch the next one. You'll hear his approach to thumbnails and titles (including the "dissonance" trick), his case for niching down hard, the pottery-class lesson on frequency, and the practical tools — Descript, Visme, ChatGPT, Canva, Elgato — that make all of it possible. Wire Associates on YouTube & The Real Estate Disclosure Podcast: youtube.com/@WireAssociates  Descript —https://descript.com Visme — https://visme.co Canva — https://canva.com Altos Research — https://altosresearch.com Elgato teleprompter — https://elgato.com

Dr. Mitchell reviews Mark 16:15-20 in this concluding lesson in the Gospel of Mark.Here the risen Lord presents the great commission when He told the disciples to go into the all world and preach the gospel.Verse 16 has taken to be a scriptural proof of the necessity of baptism in order to be saved. Let it be firmly stated that only faith in the the Lord Jesus Christ alone is necessary to be saved.Anything added to faith in Christ is not Biblical and will not save anyone.The Lord Jesus was received up into heaven to sit at the right hand of God the Father where our Lord Jesus Christ intercedes and prays for those who trust Him. (Heb 7:25)By this ministry, He keeps believers completely saved forever. This is the grace of God in action!Here is Dr. Mitchell, Mark 16:15. This is the Unchanging Word Bible Broadcast.

Today's episode is going to be especially useful if you're a Canadian DIY investor and you want to build an optimized, passive, low-cost portfolio, but you still have questions about some of the practical details. For example, should you just buy one all-in-one asset allocation ETF, or is there a benefit to buying the underlying ETFs individually? How much should you care about ETF trading volume? What does liquidity actually mean when we're talking about ETFs? Should you use market orders or limit orders when buying ETFs? And if you're an income-focused investor, what are the pros and cons of building your portfolio around dividends? We also get into the active versus passive investing debate, why it's so difficult for stock pickers and active managers to consistently beat the market over the long term, and how investors can think about risk when comparing traditional bonds with things like low-volatility ETFs. Also as a Build Wealth Canada listener, we have a brand new free issue of Canadian MoneySaver magazine for you. The issue focuses specifically on ETFs here in Canada, I wrote an article for it as well, and you can get the digital version of the entire magazine for free by going to buildwealthcanada.ca/magazine. Our Guests: To help answer these questions, we have two great guests joining us. First, we have Chris White from Canadian MoneySaver Magazine. Chris is also the Head of Research at 5i Research, and you may have heard him on CBC Radio or BNN Bloomberg. We're also joined by popular returning guest Danielle Neziol, who is a very experienced and passionate educator when it comes to DIY investing here in Canada, especially index investing using low-cost ETFs, which, by the way, is literally how I invest all of my own money. Danielle is one of the hosts of the ETF Market Insights YouTube channel, she's a frequent speaker at industry events across Canada, and she works at BMO ETFs, one of the largest ETF providers in Canada so she incredible access to some of the best education, best practices, and resources when it comes to DIY investing here in Canada. Disclaimer: This content is sponsored by BMO Exchange Traded Funds. This content is intended for information purposes only. Build Wealth Canada is compensated under this arrangement by BMO Exchange Traded Funds. The views expressed herein are subject to change without notice. The content contained herein is not, and should not be construed as, investment advice to any party. Particular investments and/or trading strategies should be evaluated relative to the individual's investment objectives and professional advice should be obtained with respect to any circumstance. BMO Global Asset Management is a brand name under which BMO Asset Management Inc. and BMO Investments Inc. operate. This podcast is for information purposes only. The information contained herein is not, and should not be construed as investment, tax or legal advice to any party. Particular investments and/or trading strategies should be evaluated and professional advice should be obtained with respect to any circumstance. ETF and Mutual Fund portfolio holdings are subject to change without notice at any time. Index returns do not reflect transactions costs or the deduction of other fees and expenses and it is not possible to invest directly in an Index. Past performance is no guarantee of future results. Any statement that necessarily depends on future events may be a forward-looking statement. Forward-looking statements are not guarantees of performance. They involve risks, uncertainties and assumptions. Although such statements are based on assumptions that are believed to be reasonable, there can be no assurance that actual results will not differ materially from expectations. Investors are cautioned not to rely unduly on any forward-looking statements. In connection with any forward-looking statements, investors should carefully consider the areas of risk described in the most recent prospectus. Commissions, management fees and expenses all may be associated with investments in exchange-traded funds. Please read the ETF Facts or prospectus of the BMO ETFs before investing. The indicated rates of return are the historical annual compounded total returns including changes in unit value and reinvestment of all dividends or distributions and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any unitholder that would have reduced returns. Exchange-traded funds are not guaranteed, their values change frequently and past performance may not be repeated. For a summary of the risks of an investment in the BMO ETFs, please see the specific risks set out in the BMO ETF's prospectus. BMO ETFs trade like stocks, fluctuate in market value and may trade at a discount to their net asset value, which may increase the risk of loss. Distributions are not guaranteed and are subject to change and/or elimination. BMO ETFs are managed and administered by BMO Asset Management Inc., an investment fund manager and a portfolio manager, and a separate legal entity from Bank of Montreal. BMO Global Asset Management is a brand name under which BMO Asset Management Inc. and BMO Investments Inc. operate. "BMO" is a registered trademark of Bank of Montreal, used under licence..  

Sarah is joined by Sahar Francis, a Palestinian lawyer and human rights defender, to discuss Israel's recently passed “Prisoners' Execution Law” and its devastating impact on Palestinian political prisoners. With over 10,000 detainees- including 350 children, Sahar highlights the ongoing torture, extrajudicial killings, and systemic abuses perpetrated by Israel. Drawing on her 27 years defending prisoners,  she shares the fight for human rights and justice for Palestinian prisoners on the international stage as well as highlighting the brutal systems of apartheid operational on a domestic level.  Listen and find out more about how you can contribute to this work.   About Sahar Francis   Sahar Francis is a Palestinian lawyer and human rights defender, an expert in international humanitarian law, international human rights law, and international criminal law. She has worked for the last three decades, defending Palestinian political prisoners held under the Israeli occupation. Francis advocates against torture, arbitrary detention, for the guarantees of fair trial procedures, rights of women and children, and works to abolish death penalty, locally and regionally.   Francis has worked closely with the UN special procedures system and appeared as a witness in front of the United Nations Fact-Finding Missions and Commissions of Inquiry. She has drafted legal cases on torture, arbitrary detention, denial of fair trial and forcible transfer of prisoners with the International Criminal court. Francis has met scores of diplomats, parliamentarians, political leaders and activists all around the world, to promote justice for the Palestinian people.   Link to Addameer - https://addameer.ps/    

Chapters 00:00 Introduction and AI Tool Announcement 01:51 User Experiences with GPT-5 04:35 Limitations of Current AI Models 07:37 Introducing the Unstoppable Bot 09:54 Exploring Domain Name Ideation 12:31 Mining for Domain Names 15:06 The Role of AI in Domain Selection 17:39 Strategies for Effective Domain Registration 20:21 Future of AI in Domain Investing 28:25 The Wild West of Reseller Markets 29:48 Challenges in Wholesale Marketplaces 32:00 Incentives and Commission Structures 34:41 Building a Better Marketplace for Domainers 38:10 The Future of Domain Transactions 39:12 Sales Trends and Market Insights 42:56 Strategies for Acquiring Domains 44:28 Improving User Experience on Marketplaces 47:59 The Role of Commissions in Domain Sales 52:34 Navigating the Competition in Domain Registrars 58:04 The Evolution of Domain Products 01:00:09 Spaceship vs. Afternik: A Comparative Analysis 01:03:21 Challenges in Domain Pricing and Management 01:06:41 The Role of Lease-to-Own in Domain Sales 01:09:57 Diversification in Domain Portfolios 01:12:42 Understanding Market Dynamics and Sales Strategies 01:16:00 The Impact of Brand Trust on Domain Sales 01:19:08 Mental Fortitude in Domain Investing 01:22:24 The Future of Domain Marketplaces Check out https://unstoppabledomains.com

Today, 1,307 years ago, St. Pope Gregory II commissioned St. Boniface to evangelize Germany and bring it into the fold of the Catholic Church. In this Papal Snapshot, we uncover what his commission reveals about the ancient Church's very Catholic beliefs about the papacy.VISIT OUR WEBSITEhttps://eternalchristendom.com/BECOME A PATRON OF THE GREAT TRADITIONAs a non-profit, you can support our mission with a tax-deductible gift. Help us continue to dig into the Great Tradition; produce beautiful, substantive content; and gift these treasures to cultural orphans around the world for free: https://eternalchristendom.com/become-a-patron/CONNECT ON SOCIAL MEDIAX: https://twitter.com/JoshuaTCharlesFacebook: https://www.facebook.com/joshuatcharles/Instagram: https://www.instagram.com/joshuatcharles/DIVE DEEPERCheck out our “Becoming Catholic” resources, where you'll find 1 million+ words of free content (bigger than the Bible!) in the form of Articles, Quote Archives, and Study Banks to help you become, remain, and deepen your life as a Catholic: https://eternalchristendom.com/becoming-catholic/SUBSTACKSubscribe to our Substack to get regular updates on our content, and other premium content: https://eternalchristendom.substack.com/EXCLUSIVE BOOKSTORE DISCOUNTShttps://eternalchristendom.com/bookstore/CHAPTERS00:00 - Introduction02:12 - Historical Context03:18 - St. Pope Gregory II, Letter 4 (May 15, 719)07:26 - ConclusionThis podcast can also be heard on Apple, Spotify, and other podcast platforms.

On episode 131 of Paint Perspective, James and Paul take a trip down memory lane and review entries from IronSkull 2025, they also discuss changes and sneak peaks at what is happening this year at IronSkull!A big thank you to Wayland Games for sponsoring Paint Perspective! Follow the link below to check them out!Wayland Games - https://www.waylandgames.co.ukHuge thanks to our sponsors! You can check them out here:COMMISSIONS ➡️ https://shorturl.at/xBKW8IRONSKULL 2026 TICKETS ➡️  https://shorturl.at/rVu6tBOOK A CLASS ➡️  https://shorturl.at/ory37LISTEN ON THE GO ➡️ https://pod.link/1690786293DISCORD ➡️ https://shorturl.at/bwM68PATREON ➡️ https://www.patreon.com/siegestudiosTimestamps:00:00:00: Intro00:00:33: Monday Morning Chats00:07:04: White Dwarf00:10:06: Iron Skull00:32:18: Single Miniature Category00:43:08: Junior Single Miniature Category00:46:35: Bust Category00:52:27: Scene, Duel and Diorama Category01:08:42: Outro/Aftershow》UK 15-25% off Warhammer Element Games: http://bit.ly/2ltN9KV》For Double Crystals Use Code 'SIE193' at checkout!》EU 15-20% off Warhammer https://taschengelddieb.de/?SiSt=affXW9D4M7J9BD2J9NGSupport the showPaint Perspective is a miniature painting podcast brought to you by Siege Studios, featuring James Otero (Siege founder & CEO) & Paul Kidd (Studio office team member). Each week, our co-hosts discuss a new topic from the point of view of people who work in the miniature painting industry.Follow us: @siegestudios / @paintperspectivepodcastWatch on YouTube: https://www.youtube.com/@SiegeStudios/podcasts

durée : 00:39:29 - Questions du soir : le débat - par : Mattéo Caranta - Le 5 mai 2026, le rapport du député Charles Alloncle a été publié, après 6 mois d'une commission d'enquête parlementaire sur la neutralité, le fonctionnement et le financement de l'audiovisuel public qui a suscité de vives critiques. Y a-t-il trop de commissions d'enquête ? Comment les réformer ? - réalisation : Diane de Vanssay, Mathias Mégy, Antoine Ayral, Léa Racine - invités : Charles de Courson Homme politique français, Violette Spillebout Députée Renaissance de la 9e circonscription du Nord et porte-parole du groupe à l'Assemblée, Jean-Jacques Urvoas Professeur de droit public à l'université de Bretagne-Occidentale, ancien Garde de Sceaux, ancien député Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

Today's Scripture passages are Deuteronomy 33 - 34 | Joshua 1 | Matthew 16:5-20 | Mark 8:22-30 | Luke 9:18-20. Read by Ekemini Uwan.Get in The Word with Truth's Table is a production of InterVarsity Press. For 75 years, IVP has published and created thoughtful Christian books for the university, church, and the world. Our Bible reading plan is adapted from Bible Study Together, and the Bible version is the New English Translation, used by permission.SPECIAL OFFER | As a listener of this podcast, use the code IVPWORD40 for 40% off and free shipping on any IVP resource mentioned in this episode at ivpress.com.Additional Credits:Song production: Seaux ChillSong lyrics written by: Seaux Chill, Ekemini Uwan, and Christina EdmondsonPodcast art: Kate LillardPhotography: Shelly EveBible consultant: JM SmithSound engineering: Podastery StudiosCreative producers: Ekemini Uwan and Christina EdmondsonAssistant producer: Christine Pelliccio MeloExecutive producer: Helen LeeTo reach the IVP podcast team, please use this form.Disclaimer: The comments, views, and opinions expressed in this podcast are solely those of the host and/or the guests featured on the podcast and do not necessarily reflect the views or positions of InterVarsity Press or InterVarsity Christian Fellowship.

Robert Kelly, Luis J. Gomez, Joe List, and Dan Soder discuss Luis' Rogan appearance, Luis doing it right as a theater kid, Dan Soder is slow version of Luke Perry, Girl Code being more successful than Guy Code, life insurance on Big Jay Oakerson, Robert Kelly doing ads on YKWD and confronting him about it, what is each person's underrated trait, and more! Presented by YKWD and GaS Digital. LISTEN ON APPLE PODCASTS https://podcasts.apple.com/us/podcast/the-regz-ep-04-robert-kelly-dan-soder-luis-j-gomez/id371045355?i=1000634076160 SOCIALS Robert Kelly @ykwdpodcast https://robertkellylive.com/https://www.instagram.com/robertkellylive/ Luis J. Gomez https://luisofskanks.com/https://www.instagram.com/gomezcomedy/https://twitter.com/luisjgomez Joe List https://twitter.com/JoeListComedyhttps://www.instagram.com/joelistcomedy/ Dan Soder https://www.dansoder.com/https://www.instagram.com/dansoder/ Thanks to @johng.wav on Instagram for the new intro music. SPONSORS Kikoff Build credit fast and get your first month for just a dollar athttps://www.getkikoff.com/REGZ today. Quince For free shipping on your order 365-day returns go tohttps://www.Quince.com/REGZ Ultra Don't sleep on @ultrapouches. New customers get 15% off with codeREGZ at http://takeultra.com BodyBrain Coffee Use code REGZ20 to get 20% offhttps://www.BodyBrainCoffee.com/ CHAPTERS: 00:00 - Luis recaps his Joe Rogan appearance 4:12 - REGZ with black women 9:07 - Drama Society and Ruke Perry 15:36 - Girl Code and Social Media addiction 21:10 - Theo Von vs REGZ success 25:08 - Life insurance on Big Jay Oakerson 27:04 - Would you want your kids to remember you? 28:35 - If your parents were alive, would they want your money? 40:32 - The Kelly Files (YKWD Ads) 53:20 - The most fear woman in comedy 57:07 - Is Joe really moving to Texas? 1:14:54 - Wrestling Talk 1:19:07 - Cartoon Bar Fight 1:22:49 - Gabby Bryan as Santa Claus 1:27:51 - Toothpaste on Shirt 1:31:59 - Underrated Learn more about your ad choices. Visit megaphone.fm/adchoices

Find the updated list here - https://amzn.to/4ezo7m1 Commissions can be earned on Affiliate LinksBecome a supporter of this podcast: https://www.spreaker.com/podcast/ham-radio-2-0--2042782/support.

Compensation models for technical staff in MSPs require careful alignment with business objectives and operational capacity. Both James Kernan and Amy Babinchak emphasized that financial incentives such as commissions or bonuses can be appropriate when technicians are directly responsible for generating additional monthly recurring revenue (MRR) or securing new accounts. However, they noted that proper monitoring tools are essential to track productivity and ensure fairness—without adequate systems, variable compensation based on efficiency or project profitability can introduce operational risk and potential inequities. Supporting this, Amy Babinchak described implementing a tiered productivity incentive where technicians received additional pay for surpassing utilization rates above 80%, but expressed concern over excessive overtime. Both speakers underscored the necessity of clear job role definitions; rewarding sales activities for technical staff may be appropriate if it aligns with broader company goals and does not compromise core technical duties. Non-monetary recognition, such as trophies or gift cards for ticket resolution or utilization, was also mentioned as an effective, low-cost incentive. The episode expanded to analyze current challenges in industry education and vendor-driven events. Citing a survey from the "All Things MSP" group, Amy Babinchak reported that 86% of respondents believe MSP conferences are now allocating too much budget to entertainment at the expense of substantive educational content. Comments from participants indicated skepticism toward vendor-led sessions, noting that paid speaking slots are typically used for product promotion rather than useful training, raising questions about increasing conference costs and the dilution of actionable takeaways. Key operational topics included shifting preferences among AI tools, with both speakers confirming recent moves toward Claude and Copilot, and persistent debate over MSP documentation practices—ranging from ad-hoc tools like OneNote to industry solutions. The discussion concluded with an observation about payment processing costs: James Kernan highlighted a case where $24,000 in annual credit card fees significantly reduced firm profitability, stressing the importance of passing such costs on to customers or utilizing ACH to preserve margins. MSP leaders are encouraged to assess compensation structures, conference participation ROI, and vendor relationships in order to minimize risk, align incentives, and ensure operational resilience. Question of the week:  Should I pay my tech commissions? Rod Trent Substack: learning to talk to our apps https://rodtrent.substack.com/p/the-new-normal-talking-to-your-apps?r=h2641&utm_medium=ios&utm_source=notes-share-action   Do you think that MSP conferences are spending too much on entertainment and not enough on education?  All Things MSP survey   What is your favorite AI tool right now? Blog post: AI Image Generators Can Now Spell: https://www.thirdtier.net/2026/03/20/breaking-news-ai-image-generators-can-spell/   What tool do you use for Documentation? This is more for the smaller MSPs or internal IT folks not running something like IT Glue or Hudu. GitHub: https://github.com/       TALES FROM THE FIELD: Payment processing fees of 24K reviewing financials during valuation.  Alternative Payments and other payment automation firms help reduce/eliminate these fees by giving customers options for EFT or passing fees to them.https://www.alternativepayments.io/   UPCOMING CHANNEL EVENTS: Reinvent Telecom – May 12-14th, 2026 Mastermind Event – July 30-31st,2026 Amy's Podcast Appearance Book Tour happening! Learn more about the book here: https://www.thirdtier.net/20-questions-every-msp-owner-asks-before-selling-their-business/                        Do you have a story from the field that you'd like to share? Or a question you'd like us to answer? Email it or send it as a voice memo or video to james@kernanconsulting.com, and we just might use it in an upcoming show. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What if your sales problem isn't your people — but the system they're stuck in? Mike Carr spent years doing what everyone told him to do: commissions, quotas, performance plans. Every new hire came with the quiet assumption they'd be gone in a few months. He even optimized onboarding to make firing faster. Then he did the math: it was costing ~$75,000 every time. He called it "Burning the Porsche." His friend Travis Timmons — who'd been applying Deming's principles — kept nudging him to look at it differently. Mike's first reaction? "This is crazy talk." In this episode, they walk through what changed, what didn't work at first, and why the biggest shift wasn't the system — it was the psychology. If you've ever felt stuck trying to fix your salespeople, this will change how you think about it. TRANSCRIPT 0:00:02.2 Andrew Stotz: My name is Andrew Stotz and I'll be your host as we dive deeper into the teachings of Dr. W. Edwards Deming. Today we have an interesting discussion. I'm going to be continuing my discussion with Travis Timmons, who we've been talking about all kinds of things, including offsites, which I've found very, very valuable. I know the listeners have, too. But we're also joined by Michael Carr, who is a business owner who found the teachings of Dr. Deming about 10 years ago and has been trying to implement it ever since. Why don't we kick it off with you, Travis? Tell us a little bit about how you came across Michael and what your relationship's been like over these years.   0:00:43.5 Travis Timmons: Yeah, thanks, Andrew. Great to be here again. Yeah, Mike and I met, I'll say it's probably 14 years ago, something like that. 13, 14 years ago, a business organization he and I were both part of and sat around a table of other business owners working on problems together. And long story short, and part of the problem solving, got to know Mike a little better and had some individual conversations about how Dr. Deming and the Deming approach was having such a positive impact on my business. Might be of interest to some of the things he was working on in his. And encouraged him to attend the Deming two and a half day. But that's kind of how we met, working on business problems together, having some of the same frustrations that even though we're in different industries, the problems seem to look eerily similar across businesses. So, yeah, that's kind of how he and I met and encouraged him to maybe explore Deming and see if it'd have a positive impact on him like it did for us.   0:01:49.2 Andrew Stotz: We were talking before we turned on the microphone about the idea of how do we reach the young man or woman out there who's looking for answers. And we know Deming has a lot of those answers. So I'm really interested to learn more about you, Mike, about not only, of course, your Deming journey, but maybe tell us a little bit about your business and your experience so people can kind of put you in context, in particular where they are and thinking about where you are and where you were.   0:02:17.8 Mike Carr: Sure. Yeah. I came into business about 25 years ago and I did it kind of accidentally where while I was in grad school, I started a campus chapter of Habitat for Humanity and I had more volunteers than I could handle. So over a weekend, I wrote a small piece of software to let people kind of sign up online. This is before the days of SaaS and everything that we're used to today. And that actually took off so quickly that I was supporting it for free, I was giving it away for free to other organizations - nonprofits. And eventually my wife said, this is taking so much of your time, you either need to start charging for it or shut it down and spend some more time with the family. So I quit my full-time job at the time, put all my effort on what became the business, and quickly found myself running a business with no business background or training because my training was in electrical engineering. So I hired my first salesperson and not knowing sort of how traditional business works, I hired the person on salary, fixed salary, and sort of set up a system for her to sell within.   0:03:39.3 Mike Carr: And again, not knowing Deming, not having any business background. And so I kind of accidentally set up sales the way Deming would have recommended because that's just what I thought made sense. Then later on hired a director of sales who had a lot of success in sales, but traditional sales, and he seemed to know what he was talking about. So we completely switched our sales to more of a traditional sales approach based on his recommendation. And that's when problems really started. Because as we're aware on everyone on the call here, the commissions, quotas, and that kind of thing cause a lot of unintended consequences. So at the time that I met Travis in the peer group that we belong to, I was having a lot of issues with sales. I couldn't figure out how to get sales to work. We were hiring and firing people rapidly. And Travis mentioned Deming to me and the Deming two and a half day training which I attended. And I had become so steeped in traditional sales at that time that after the training I literally said, this is crazy talk, this Deming stuff.   0:04:55.4 Mike Carr: It doesn't align at all with traditional sales techniques. But I gave it a shot and over the next year or two we started implementing it. We started trying things. I kept learning about Deming and at some point I realized this is actually the way I was doing it in the beginning when things were actually kind of working back then. So it was funny how I had come full circle from where I had started.   0:05:23.0 Andrew Stotz: And plenty of people that are listening have commission-based salespeople, bonus incentives, all kinds of different things. And they're like, that's the way you do it and the problems that you face are just part of it. And they couldn't see any other way. And it's way too much risk in their mind to even experiment with another way. So what were the problems that you were facing when you talked about I was facing these problems from the way I was compensating my salespeople? I want to make sure that we connect with people who are like... I don't want someone to say, well, that's not me. I want someone to understand exactly the problems that you were facing and then so they can think, okay, yeah, I probably have that problem.   0:06:11.7 Mike Carr: Right. So it was a lot of... So I'll describe sort of the sequence that we would go through. We would hire someone who seemed really qualified. We would give them a day or two of training, we would give them a telephone and a computer, and we would say, "Okay, you've been trained, you have the equipment, go do some hunting and get some sales," and basically leave them alone to go and do that. Of course, they would sort of rapidly fail because they didn't have the support they needed. They didn't have a system to work within. And so we would start applying pressure, we would start messing with compensation and apply incentives, and then we eventually get to a PIP, a performance improvement plan, and then we would eventually let them go and then do all the offboarding and then start from square one. And we did that so many times that we actually started optimizing our process for rapid hiring and firing. At one point, I moved to these thin client PCs so that we didn't even have to send an entire PC to the person.   0:07:25.7 Mike Carr: We could just send the thin client and put their desktop up in the cloud so that when we had to fire them later, it was just a lot quicker to get all your equipment back. So we optimized for that rapid hiring and firing, and we were literally going into most hires with the assumption we're going to fire this person within a couple of months. And so obviously you can imagine the stress that creates for the person we hired, obviously, but also stress on the part of management because we're just constantly failing all the time. Not to mention the business isn't getting revenue and we're missing all the opportunity that we could be capturing. So one day I said to the management team, let's add up how much it costs us to go through this entire cycle beginning to end in terms of man-hours and salary and so forth and missed opportunity. And the number we arrived at was something like $75,000. 75,000 to $100,000 every time we go through the loop. And so to put this in context, I said to the team, this is as if we had gone and bought a Porsche and then just poured gasoline all over it and lit it on fire every time we go through the loop. So I started calling it Burning the Porsche. Let's just burn the Porsche again, guys. And so we got to call it Burning the Porsche. We were optimizing for rapid hire and fire, and obviously stress levels on all sides were just skyrocketing. So those were the problems that we were facing.   0:09:10.0 Andrew Stotz: And I can hear a skeptical person say, oh, you just didn't know about how to train. I know how to train my salespeople, and I put them through this intense training, then I apply all those incentives and it works. What do you say to that?   0:09:27.4 Mike Carr: So, yeah, we tried all of those things. So we gave them piles and piles of written materials, we made training videos, and of course we wanted to hold them accountable for those things. So we had quizzes at the end of each training section, and assuming they passed the quiz, which was five or 10 questions, written questions, we would check the box. And we would later, when they began to fail, we would point back at the checkboxes from the training and say, "Hey, you were trained on this. We checked the box. Why are you not doing the things that you were trained on and the box was checked?" So, yeah, we tried a lot of different varieties of training and different accountability techniques, and just nothing was sticking. And I think everyone was just getting more and more frustrated. On the part of the person that we were hiring and firing, let's not forget about them. I mean, they're going through this three to six month process that's very anxiety-producing in the system that we had, and it can't feel good for them.   0:10:37.1 Andrew Stotz: Yeah, it's interesting because when you're in that situation, as many people are, there's no way out. It's just tightens the screws tighter. Every book you read, everything you see, every person you talk to, it's just you've got to engineer your KPIs better. That's what it is. We need more granularity in KPIs and all of that. And did you feel at some point, before you met Travis and learned about Deming, did you feel at some point like there's no other choice, I just got to do it this way, or what was going in your head before you came upon Deming?   0:11:24.5 Mike Carr: Yeah, I mean, that's exactly how I felt, is that other people are getting this to work somehow. So it must be that I'm just not applying enough pressure or my compensation structure isn't correct. We need a different mix of base salary and commission, and we need different quotas because other companies seem to be making this work somehow, and I just don't know what magic they're using. So that made me even double down to say I just need to look around and look at more companies and how are they structuring their commissions, how are they holding their people accountable? I started reading a lot of business books on the topic, lots of sales management business books that reinforce that thinking. You just need to get your compensation structure right and everything works. But for me, nothing worked.   0:12:21.5 Andrew Stotz: It kind of reminds me of an AA meeting as I imagine Travis sitting down next to you and then hearing the struggles that you're going through. It's like, yeah, been there. And maybe Travis... Now that we understand the background of kind of where Mike was coming from, let's talk about maybe on that day that you first met or in your first conversations, what were the things that stood out?   0:12:48.3 Travis Timmons: It was probably several months in because we'd meet monthly at that business peer-to-peer. But yeah, to your point, it's like, hey, I struggled with similar things. Mike is pretty humble. He's a super smart guy, PhD in engineering, so he doesn't lack intelligence. So he can figure stuff out, but just like me, was not trained in business. And there's a lot of things out there that just seem to make sense when you read them, but they're not applicable. And nothing seemed to take the entire system into consideration or make an assumption that people were good. That was the other thing that jumped out at me and I had the assumption that would align with Mike's worldview because as he's already said there a few times, he knew he was putting these employees through the ringer as well and he didn't like that. So it just got to a point where I'm like, hey, I found something that is different. It takes a system view and for me, it took the stress off and gave me a construct with which I could work within.   0:14:04.5 Travis Timmons: And with his background in engineering, he obviously knows how to put stuff together, so I thought this would be a good fit for him to at least explore it and look at something different than what the traditional business approach was out there. And it just kind of went from there. He finally got tired of me bugging him about it, I think, and said, yeah, I'll go to this two-and-a-half-day so Travis stops bringing it up. But it's the same thing I was doing before finding Deming. The same problem kept coming up in my organization, and I'd read a book about it or I'd have somebody tell me, "Hey, have you tried this," "Have you tried that?" And it wasn't taking an entire system view to how to solve the system for the business. So that's where I introduced it to Mike and said, "Hey, go check this out. You're a smarter guy than I am. See what you think about it."   0:14:54.7 Andrew Stotz: It kind of reminds me of AI these days because we all use AI in different ways, but I get on the TV, on the internet, talking to friends, like, oh, I'm doing all of this and I'm doing all that and I've redesigned everything. I'm like, so how much more money is in your bank account? Are you really? And it's like there's this excitement that everybody's talking about, but I'm not able to get that. Am I missing something? I'm just not smart enough. But I'm like, "Wait a minute, I'm smarter than those guys. I know that." And that guy he doesn't.... And so maybe you can talk a little bit, Mike, about your journey, your discovery, the seminar, and kind of how it started for you and where did it go?   0:15:48.7 Mike Carr: Right. Well, so let me start at the end of the journey, and then that will illuminate the beginning. So what I realized today, and I volunteer a lot with scouting because of this, is we don't really have, we don't really train young people in leadership. Most schools don't have a class on leadership. They might have some introduction to some type of leadership, say, in sports, but we don't really train people to lead other people or to manage other people. And so what I think happens, my theory is most leaders in business, specifically, lead by copying what they see other people doing. It's a Xerox copy of other leaders, and probably in the same business, in the same company, even. And so I think what we have today is we have a lot of people who want to be good leaders, they want to be good managers, but all they have to go off of is copying from what they see other people doing. And unfortunately, that's a lot of these sort of accountability techniques and pressure techniques. And so going back to the beginning, when I got into business, my background was engineering.   0:17:14.6 Mike Carr: And I had no business background, no business training. I had been in Scouts, but Scouts doesn't teach you really how to manage, how to be a sales manager. And so I was just lacking any kind of a background. So that's where I went wrong at the time, and I looked around to copy other people. How are they doing sales? And for me, I think what I took away from the two-and-a-half-day was here is a framework not just for sales management, but here is a framework that finally gives me sort of the perspective that I could use to develop my own leadership skills in a way that makes personally a lot more sense to me. And I come from an engineering background, and Deming was also an electrical engineer. And so I think it just kind of resonated with me because the techniques and the concepts he was talking about felt very familiar from my engineering training. Let's think of this as a system. Let's look at root causes. And let's think about how changing the system, how is that going to change outcomes?   0:18:22.4 Mike Carr: All of that sort of aligns with a lot of electrical engineering. And so it kind of made sense. But then I said, what Deming's really proposing here is that we take these concepts that are applied to electrical engineering and we extrapolate them to business management. And I thought that's a really interesting idea because I hadn't really thought about that before. And once I made that connection, that leadership framework just kind of came together naturally because now I have a leadership framework that I can build off of and that I understand and that seems to make sense.   0:18:57.6 Andrew Stotz: And how would you summarize that for someone who doesn't know Deming? What are the top three things that you got from it that you really have incorporated into your leadership style?   0:19:11.8 Mike Carr: Well, the number one is the psychology piece. If you're copying off other people for sales management specifically, you're copying a lot of high stress, a lot of judgment approaches, rankings, measuring personal performance, measuring individual performance, not as a team. So you have all of these sort of tricks that people do in sales management. And so the number one thing for me was the psychology piece, which is, no, no, no, let's just start with the assumption that people want to do a good job. And in my case, we're selling software that helps nonprofits. So why are we using these high-pressure techniques? People naturally want to help nonprofits do better. Let's just find those people that have an intrinsic motivation to do that, of which there are many, and then let's give them a system within which they can do that. They can go out and help nonprofits solve problems. And so that was the number one thing is just moving away from the manipulation and persuasion techniques that you see in business books and copying from other business leaders and moving toward the intrinsic motivation piece.   0:20:28.3 Mike Carr: So that would be my number one for sure. And then the number two is thinking, which is Deming's number one thing, is just thinking of everything as a system and a collection of subsystems and understanding. One thing we did early on is previously we would send out a memo across the company whenever we made a sale and we would congratulate the salesperson who closed the sale. And I said, well, it's not... Once we implemented Deming, I said, it's not just the salesperson that made this sale. This sale was the result of everyone in the company working together to produce a good product and provide good support to our customers and do good marketing and all the stuff that's required. It's all of us working together. So we just said, "Let's stop congratulating the one person and let's celebrate the sale across the entire company and congratulate everyone." So it's these kinds of things that sort of just seem natural to me and that just aligned with sort of my worldview.   0:21:34.8 Andrew Stotz: And how do you handle that for the salespeople? Is it the case that in your type of style, in the Deming style, that really only a certain type of salesperson can work in that environment and the rest of them are gonna say, "That's not for me. I want to get the commission dollars and I made that sale, and everybody else's job is to produce and deliver?" It starts with the sale.   0:22:03.1 Mike Carr: No, you're absolutely right. There are people like that, and in fact, we changed our recruiting process. And right from the first screening call now, we start talking about the fact that we pay a fixed salary and we don't have commissions and we don't have quotas. And initially, I thought that would be really appealing to people. I thought everyone we talked to would be like, "Wow, that's exactly what I want." But we actually found and experienced a number of people that when we explained that, they said, "No, that's not for me. I want the commissions and I want the quotas and I want the celebration that comes with closing a sale and I want those things." So we just make it... Today, we just make it very clear up front because we're more about finding the person that's gonna be a good fit and has the intrinsic motivation for what we're doing. And so we're very upfront about it early on.   0:23:08.2 Andrew Stotz: And that makes sense. There are some rainmakers out there who can bring in a huge amount of sales, who are very skilled at it, and they know the game very well. And so they say, "I don't want my compensation tied to anything to anybody else." And they have plenty of places to go work. But for the people that are different from that, that say, "I want to be part of an overall system and I want to contribute to this company," and all that, there are people that also see the value of that. And then I guess from an overall business perspective, when you change the way you looked at the way you're hiring salespeople, the way you're incentivizing them, and the way that you're getting people working together, what are some... Some people say, "Yeah, you're gonna lose some good salespeople. Your sales may even go down if I take all of my great performers and I say, "All right, we're going on flat salary plus some bonus for the whole company when we do well." I'm gonna take a hit in my revenue for the next six months. But what benefit on the other side do I get?   0:24:19.0 Mike Carr: Right. And that's exactly what we saw. Initially, sales went down and we did have some people leave, and we did have some people that we had to ask to leave, unfortunately, because they had been hired under a different system, the pre-Deming system, and they weren't really a good fit for the way we were doing it now. We did have some people stay as well. So it's kind of a mixed bag there. But it did take a number of years to stabilize. And to be honest, Travis probably heard me... Every time I would come to the meeting that we had together, it would be always the same problem: "I can't get sales working." And for the first couple of years, it was always pre-Deming, "I can't get sales working." And then Travis sent me to the two-and-a-half-day training and I implemented all that, and the next two years was, "I can't get sales working." But eventually, it did start working. And also, it's not easy. Deming is not easy. And even Deming himself said there's no instant pudding.   0:25:32.5 Mike Carr: So it does take a lot of study, a lot of learning. There are good resources out there, but there could be more. I think this podcast is one of them that's a really good resource I learned a lot from. But sometimes it's a little bit hard to find resources to help you get up and running. So it takes some time to sort of figure all this out, get all your systems re-implemented from scratch. And so that's why today, when I meet people and suggest Deming, I always suggest just try this one thing or try this one thing. Don't try to just immediately jump in the deep end with both feet.   0:26:14.4 Andrew Stotz: Yeah, I want to come back to that in a second, but I want to go also to Travis because what Mike's talking about is I'm sure all kinds of stuff you faced and dealt with related to incentivizing and all of that. Maybe you can talk a little bit about your experience.   0:26:30.7 Travis Timmons: Yeah, one of the things kind of to circle back, like you said, there are some rainmakers out there. And I think the consistent thing I've heard from smaller businesses under, I don't know, under 10 or 15 million in revenue and under, it's hard to afford what the rainmaker wants to be paid. So when you have that reality as a small business owner, it'd be great to have a rainmaker. You can't afford a rainmaker, but you're trying to put a system in place for non-rainmakers that works for rainmakers. And I don't even... I'm not saying that Deming doesn't work at large organizations, because it absolutely does. But I think that's the reality of... I think who we're trying to reach is the small business owner out there that doesn't have their MBA from Northwestern and doesn't just have any kind of. Like Mike and I, we had zero business experience, but the reality is you need a different approach to have the sales piece work. Yeah, we never really had a sales team in our world, so I didn't have that problem to solve in my organization just by the nature of kind of how we were structured.   0:27:48.3 Travis Timmons: But we did have other issues in terms of the system thinking. And that's where realizing to Mike's point, the one big thing we had to tackle early on was like, hey, if we have a good client visit, it's not just because the physical therapist crushed the visit. The front desk had to have a good experience. The billing team had to get the bill out clean. Everything had to happen correctly for that visit to go well. And in our world, that would be, I guess, our sale. So the system thinking, how do you get the entire team to understand what direction you're going in? So you have to be a team player minded person. I think Mike would agree with that to work well within Deming. But yeah, we didn't have the sales... Now, I've heard plenty of stories over the years in different organizations I've been part of that had the same problem Mike did. And I've heard at Deming seminars time and time again, organizations that made the switch and it was a game changer for their organization. And it doesn't happen in two months, to Mike's point.   0:28:54.4 Travis Timmons: But it has a way to approach things in a systematic and methodological way. If that makes... Does that kind of align with what you'd say, Mike? The system approach and collaboration for the entire team to understand, here's where we're going, rather than sales doing this and development doing this and marketing doing that and accounts receivable doing this, like nobody's trying to get the same thing accomplished at the end of the day until Deming helped me see that in a different light.   0:29:26.3 Mike Carr: Yeah, I would agree with all of that. But I would also say while you're also learning Deming at the same time, so it's a little tricky to learn it all and implement it all at the same time. I explain it to my team as if you're driving a car at 70 miles an hour on the freeway and fixing the car at the same time. It's hard to do both.   0:29:50.3 Andrew Stotz: I thought you were going to say and climbing out of it into another car while you're fixing both.   0:30:02.3 Mike Carr: Yeah. Similar. Yeah, fixing both. So yeah, because that's a good point because you're still running the company you had, you're trying to transition to the new sort of company under the new system, and you're learning about it all at the same time. So it is not... There's no instant pudding, but I would say it's worth it at the end of the day.   0:30:14.3 Travis Timmons: I would say...   0:30:17.0 Mike Carr: I want to... Sorry. Go ahead.   0:30:18.7 Travis Timmons: And Mike, you can tell me if you would disagree with this, I'll just go observationally because you said, "I listened for two years, you complain about sales," and that's true. And then on the flip side of that, when you implemented Deming, it took about two years. I don't think it was that long, but it did take some time. What I think would maybe be interesting for the audience to wrap their head around, and Andrew, you probably could tease this out better than I can, but you've stuck with it. What would be the reason you stuck with it versus everything else you tried for a few months and then switched? And you kind of explained that with the system view, but I think that's the powerful thing is there is a lot to learn with Deming and it's a constant journey. It's a journey. I'm still well over a decade into this and I'm still learning. But what made you stick with this approach versus the whack-a-mole that you were doing prior, if that's a fair way to look at it?   0:31:21.4 Mike Carr: Yeah, I mean, it's really just the way it aligns with my worldview and my engineering background. The systems thinking just sort of makes sense to me. And so I said, it all just lines up so well, and it just seems like it ought to work. I just need to sort of figure it all out and get it in place. And I just didn't want to go back to sort of the high stress, rapid hiring and firing. I would rather put my effort toward bringing value to my customers than spending hours and hours debating how our compensation structure should balance base salary versus commission. I was spending so much of my week fiddling with the commission structure, and I wasn't doing the things that were bringing value to the customer at the end of the day. So now I feel a lot more productive, even if it takes some time to get it figured out. I feel like it's... My time is spent more productively in the things that I do now, figuring out the system.   0:32:34.0 Andrew Stotz: I'm curious because if you objectively look at it, people understand system. In biology, we learn about system. Doctors understand the human body and interactions. And yet we kind of blindly... If I think about it... I take care of my mother, she's gonna be 88 in a couple of weeks. And when you take care of someone that's fragile, everything has a secondary effect. And so it's easy, for instance, if she has to go to the hospital for something and then they see something and they think, "Oh, well, we should just give her medicine for that." Well, okay, have you thought about the fact that that medicine may help her with that, but she could fall because of the dizziness she's gonna get from that, and that fall could pretty much end her life? And also have you thought about the fact that what we're optimizing for is not necessarily what you're optimizing for? We're not optimizing for longevity. We're optimizing for today being the best day it can be. So when I look at, even in the case of my mom, for instance, with blood pressure, one of the things I use is I went out there and I found beetroot, and I basically make a beetroot drink, measure blood pressure before and after and throughout the day.   0:34:09.8 Andrew Stotz: It probably lowers blood pressure more than any pill. And I'm monitoring everything as an analyst, which is my background. And the side effect is good health of drinking... If you drank too much beetroot juice with carrot and other things I mix in with it, that's a side effect. But yet my mom is, "Just give me the pill." And I'm just curious, what kind of world are we in where we do know systems thinking, but it's like it's crushed out of us. It's not even crushed out of us. We know. And if we look at all the things that we do in society, whether it's disease or whatever, it's just constantly, we don't follow it. And I'm just curious, what are your thoughts on that? Or am I wrong? Many people just simply don't understand systems thinking.   0:35:08.8 Travis Timmons: Well, I think it's complicated. I think it's complicated, A, because to Mike's point earlier, we're not taught about this through a traditional structure, or if we are, we're taught about it... Like, I had a background with military training, and it doesn't get much more command and control than that. And that doesn't work in the real world, so to speak. So there's not a lot of training mechanisms out there that prepare you to deal with. I love the fact that Mike, as the engineer, said the most important thing to him was the psychology. I think that speaks volumes to how powerful, when you get the entire system working well, it gets back to the joy in work.   0:36:00.5 Travis Timmons: And Mike might correct me on this, but I think one of the reasons he continues to dive in, as do I, with Deming is it doesn't suck energy away. It just... You have more energy because you have a method and a system to work within that makes sense. Like if I do this over here, if I know that there's an entire system involved, to your point with the blood pressure medication, if I do this, it's gonna have a consequence. And if you have that worldview of your business, if I tamper with sales but I don't fix the product, it's gonna be hard for the salesperson to get sales because my product isn't good. Or that whole system view. But yeah, I think it's awesome that a PhD electrical engineer, super smart guy, the most important takeaway for him was the psychology and energy piece. I think that speaks volumes to what Dr. Deming does.   0:37:02.5 Andrew Stotz: I wrote it down and I wrote down intrinsic motivation. But also, this is another... When Deming tells the story about the girl who makes a Halloween costume with her mom and they don't have much, but it's something nice. And then they go to a Halloween party and then an adult comes up with the idea of having a competition. And of course she didn't win, but it was an amazing experience with her and her mom making this costume over time. And you just think, we understand intrinsic motivation very well, but yet very few people are optimizing for that and truly thinking about that. So both intrinsic motivation and systems thinking we know, but yet for some reason just isn't encouraged.   0:37:57.4 Mike Carr: That's because the first day of kindergarten you get the gold stars. And then it sort of goes downhill from there. But I have a business example of what you're talking about, Andrew, with the understanding systems thinking but not applying it. And I've brought this up with my team in the pre-Deming days. I used to ask, why do we pay the entire company a fixed salary except for these three people over here? What's different about those three people than everyone else? I don't pay developers per line of code written. I don't pay them based... I don't have a quota on how many bugs they're allowed to write per week. It's just not done that way. It's a fixed salary, and we give you some tools to work with and a system to work within. But for some reason, we have these three people over here that we have to treat completely differently from everyone else. Why is that? And the only reason that I could come up with is that's just how everybody else does it. So I think discovering Deming sort of answered that question for me, which was, you don't have to do it that way. You can just pay everyone in the same way because everyone basically is motivated intrinsically to do the job and feel like they're making a difference.   0:39:36.2 Andrew Stotz: One of the ways that we do it in our coffee business is we look at the results of the business every three months. And then I've developed a benchmarking system that looks at what I call profitable growth. Are we profitable and are we growing? And then I look at that relative to our global peers, and then I say, are we profitable and growing more than our peers? And it's a scorecard, but it's a scorecard for the whole company. And then what we do is every quarter we say, okay, we were profitable and growing better than our peers, and therefore we're going to allocate some of the profit that we make as a bonus. And then we do a compensation across the whole company split in a couple different ways. But our objective... And we've had different meetings and stuff, but there was something that triggered my business partner, Dale. I don't know what it was, Travis, but Dale just had his first kind of offsite and he listened to the podcast and he got a lot from that. And he even presented some of the Deming stuff because we've done lots of training, but he was like, many people in our business don't even really know it anymore because it was a while ago that we did a lot of that training and stuff like that.   0:41:16.3 Andrew Stotz: So I wouldn't say that we're implementing to a level that I would if I was running it, but that's also, you own companies and you run companies and you don't want to confuse those two things. But anyways, the point is that once we did that... And then we fly everybody in across Thailand, wherever they are, whether they're sales or technicians or whatever, and bring them together for a day to review the results. And that's the first kind of offsite where we had a very specific... And Dale and I had a meeting a couple of weeks before it, and I went through from what you talked about to help narrow it down, to help him think, "Okay, what do you want to get out of this?" Because I really started to understand that you were really focused and you were not overextending yourself as to everything that you wanted to accomplish. But the excitement that employees feel when they're all in it together, that's what we want more of. And like you said, it's the way we think, and that's the way we want to live. So, yeah, that's a little bit of my story there with what your influence was, Travis.   0:42:29.2 Travis Timmons: That's great. Yeah. And I think, I mean, you mentioned benchmarking and KPIs. And one thing I'd want to make sure listeners understand, because sometimes when we talk about Deming, they think, oh, you just rainbows and puppy dogs and everything's going to be fine. We do have, and I know you do too, Andrew, and I know Mike does, there's a lot of KPIs we look at. And we want to be industry leading. But when you have a different view, it's a long-view and it's a system view. And when everybody's working to optimize the system and understand if we do this well, we get to stay in business and maybe crush the competition along the way, that's kind of fun. But the KPI piece and the Deming system approach, it's a long-term view. So that's just something that came to mind. I've had people say this before, and I'm sure Mike's heard it, because, oh, you're just paying your salespeople a salary, how do you motivate them? How do you keep score? Mike has a KPI dashboard, I am certain. Fitness Matters has a KPI dashboard for sure. Andrew's coffee company has a KPI...   0:43:52.2 Andrew Stotz: No, we don't.   0:43:53.6 Travis Timmons: You have to track.   0:43:55.3 Andrew Stotz: What we don't use is, I just don't use.... We don't use that word KPI, because I hate the connotation of it. But we definitely track and use that for feedback, just like you guys are. But yes, I just it's just I have a pet peeve about that.   0:44:14.2 Travis Timmons: Yeah, yeah, no, I totally get it because it has all the negative connotations that go with how do you make those happen? But like for the common cause versus special cause and variation and all of that. But yeah, it's fun to see when you optimize your system and the entire team works. You have I've shared on the podcast here some of our data and it's just it's fun. It's work. It's work. Every day is hard. But you have a method by which to attack the work. And I think Mike could probably speak to that too with his experience. But that's why he's stuck with it all these years. Even though there was about a year into the process of Deming where he was still complaining about sales, he had a consistent process by which he was tackling it, and it got better along the way, I think.   0:45:08.6 Andrew Stotz: And the thing that I would like to wrap it up with is to just dig a little bit deeper into something that you said, which is it takes time to figure it out. And I would like you to talk about that little bit of learning and application journey because obviously if someone's able to go to a seminar, that's fantastic, but let's take someone in Europe, in Asia, wherever, that they may not have that access. Tell us a little bit about how you started that journey and what you've now seen and what you would recommend, which you already did give some recommendation. But maybe you can just talk a little bit about that because one of the things that's unique about this is that, number one, it's one guy, Dr. Deming. It's not a movement like Lean or something else that has certifications and these traditional things. And so it makes it harder to understand it. It makes it harder for it to spread. But maybe just tell us a little bit about your experience there.   0:46:19.1 Travis Timmons: I'll share my piece, and I'm sure Mike has great examples as well. But yeah, the down and dirty DemingNext is a tool that is available now that was not available when I started my journey. So you get bits and pieces through DemingNext. That's amazing. That was not around when Mike and I either one started our journey, I don't think. Second, if you could just have the concept of looking at your business as an entire system rather than pieces and parts. And then I always recommend people start in one of two small areas. It's either with the PDSAs, plan, do, study, act. That's a very easy, low-cost way to start somewhere in your business. Or operational definitions. Those are the two areas I think are very easy to implement, low cost. And when you apply that to a systems view, I think right there a lot of positive things can happen. And then the DemingNext that the institute has as a resource is one of the things that I think allows more people to get access to Deming and implement it.   0:47:34.3 Mike Carr: Yeah, I would reinforce all of that. The DemingNext program is really good. The two and a half day is really good. I would also recommend going to the two and a half day multiple times if you're able. And I would also recommend taking as many of your management team and C-suite as you possibly can and putting them through the two and a half day or whatever kind of training, DemingNext or whatever training you're using, because I've found that about 80% of Deming is having a shared vocabulary across the company so that you can have these meetings and you can say things like common cause variation and everyone knows sort of what you're talking about. If you don't have the shared vocabulary, it's kind of hard to make the improvements in the business. So whatever training you're using, and I would encourage people to just like sponge mode, just anything you can find, try to gather it all together from whatever place and share it across the company. But the number one thing that I would do if I were starting today is I would... This is one of the things where I think AI can really help you out because you can sit down with ChatGPT and you can just simply say, "Help me learn about W. Edwards Deming."   0:49:00.3 Mike Carr: And you can have a conversation and you can say just ask it, "How can I apply this to my company?" And that's probably going to start a really interesting back and forth. Of course, you need to make sure it's not hallucinating something along the way, but I think that could be a really interesting resource to help learn and relatively inexpensive, and you can get it for everyone in your team and use that as an onboard. You could even ask it, "What is something simple I could try tomorrow that I could see if it works in my company?" and see what it recommends. If I had to start over, that's probably where I would start.   0:49:35.6 Andrew Stotz: That's great advice. And I know also with like NotebookLM and things like that where you can upload the source documents and then have a discussion, AI is super critical now, and I think opens up a whole new opportunity for spreading the message. So that's a resource where you couldn't get it until you talk to Kelly Allen as an example, or others that know it, and here you have a huge resource. I want to wrap up there, but before we do, let's give you guys the last word. Travis, maybe you want to just wrap up your thinking on what we've just discussed and what you want the audience to take away. What do you want them to do? What's your call to action?   0:50:22.7 Travis Timmons: Yeah, call to action would be start learning one thing about the Deming approach and Dr. Deming. I think you'll be surprised how it looks at the business world differently. So I would just encourage people to, as Mike said, be a sponge, whether it's listening to these podcasts, taking a look at DemingNext, ChatGPT, there's all kinds of different routes. But just start to see why is this different. And then the podcast, DemingNext, just so many stories of businesses that were having a hard time and having kind of the life sucked out of the owner that found a different way. And yeah, just happy to have this opportunity to share. I think Mike and I are both passionate about getting the word out to as many business owners as we can because we know it's hard and we know it doesn't have to be. So I would just encourage people to start where they feel comfortable. There's no wrong or right place. You don't have to get a certification in Deming to do Deming.   0:51:06.3 Andrew Stotz: Right, Mike?   0:51:29.2 Mike Carr: I guess my call to action would be to take a step back from the things that you may have seen other companies doing. Maybe you didn't have that leadership training. Maybe you learned leadership and management skills by copying what you saw other people doing. And basically just ask yourself, is there a better way than what I'm seeing other people do? And just open that door for the learning that's going to come with learning Deming and give it a chance. Try something, give it a shot, see how it works for you with the understanding it's not going to work right off the bat. It's gonna take some doing and take some learning. But just try to see that maybe what other people are doing is maybe there's something better than what other people are doing and just allow for that opportunity.   0:52:25.3 Andrew Stotz: Yes. As one of the people in a 12-step self-help program said, you have nothing to lose but your misery.   0:52:38.0 Travis Timmons: Right. Right.   0:52:40.2 Andrew Stotz: So, Mike and Travis, I want to thank you on behalf of the Deming Institute for this discussion. Fascinating. And I really want to encourage listeners to take some action. Go to deming.org and jump on DemingNext. Get access. ChatGPT, NotebookLM, whatever's your tool, go for it. It's right there. And the results you get from it are enormous. Now, this is your host, Andrew Stotz, and I want to leave you with one of my favorite quotes from Dr. Deming, and really, it's what makes it all worthwhile, and that is, "people are entitled to joy in work."

Most agents are still losing buyers before the first showing — not because the market is hard, but because their presentation is nonexistent and their script is built on promises they cannot keep. Tim and Julie Harris deliver the buyer agreement framework that top agents are using to get exclusive contracts signed in 2026, along with the real post-NAR settlement commission data that disproves everything the pundits said would happen. In this episode, Tim and Julie break down why buyer agents are losing ground to listing agents at open houses and in direct-to-seller conversations, what the two most common promises are that instantly destroy a buyer agent's credibility, and how supply and demand economics explain why buyer agent commissions have actually held steady or slightly increased since the settlement. They also cover the pre-buyer presentation package that makes the exclusive agreement a natural outcome rather than a stressful close, how to use a service guarantee to overcome hesitation without lowering your standards, and why most agents' real problem is not the market or the contract but a lack of qualified leads and a lack of a repeatable presentation system. The episode closes with a direct framework for identifying and eliminating "housing tourists" — the time-wasting, non-buying prospects that fill up calendars every spring and produce nothing. This episode is required listening for any buyer's agent who wants to operate at a professional level in the current market, and equally valuable for listing agents who want to understand why the buyer side of the business is evolving rapidly around them. Visit HarrisRealEstateDaily.com for the free daily newsletter. Visit PremierCoaching.com to access coaching, training, and the full buyer presentation system. To learn about EXP Realty and the Libertas group, visit WhyLibertas.com/Harris. To speak with Tim directly, text 512-758-0206.

Most agents ignore renters. Andre built his business on them.In this episode, Chris sits down with Northern Virginia agent Andre Gutierrez to break down how a bunch of low-commission rental leads turned into buyers, repeat clients, and over a decade of referrals.Early on, Andre wasn't chasing listings, he was taking the deals nobody else wanted. Calling renters back. Asking better questions. And actually giving a damn about the outcome. That simple shift turned into: Consistent monthly income  A steady pipeline of buyers  And relationships still paying off 10+ years later What You'll Learn: Why renters are one of the most overlooked opportunities in real estate  The exact screening questions that separate time-wasters from real clients  How to position buying as the better option (without sounding pushy)  What most agents get wrong about “being helpful”  How one renter turned into 15+ deals over time  Why calling people back is still a competitive advantage  How to build relationships that actually compoundConnect with Andre:Instagram: @andresellsvaCall/Text: 703-586-7338

In this episode of the Elk Talk Podcast, Randy and Corey discuss a mix of elk hunting strategy, application systems, and current issues in wildlife management. Topics include frustrations with complex draw systems in states like Montana, Utah, and Nevada, as well as concerns about wildlife commissions (looking at you, Washington) arguing that mismanagement and political influence can undermine hunting opportunities. Learn more about your ad choices. Visit megaphone.fm/adchoices

Marketers are facing revenue struggles, but affiliate programs provide a solution. Discover how performance-based commissions, strategic content marketing, and reputation-building can transform your income and client relationships in today's competitive landscape.https://fortune.com/press-releases/medialister-affiliate-program-branded-media-placements-affordable-smbs-2025-12-10/ Medialister City: Wilmington Address: 1007 Orange Street Website: https://medialister.com/ Email: alex@medialister.com

Today's Scripture passage is Numbers 26:19 - 27:23.Read by Christina Edmondson.Get in The Word with Truth's Table is a production of InterVarsity Press. For 75 years, IVP has published and created thoughtful Christian books for the university, church, and the world. Our Bible reading plan is adapted from Bible Study Together, and the Bible version is the New English Translation, used by permission.SPECIAL OFFER | As a listener of this podcast, use the code IVPWORD40 for 40% off and free shipping on any IVP resource mentioned in this episode at ivpress.com.Additional Credits:Song production: Seaux ChillSong lyrics written by: Seaux Chill, Ekemini Uwan, and Christina EdmondsonPodcast art: Kate LillardPhotography: Shelly EveBible consultant: JM SmithSound engineering: Podastery StudiosCreative producers: Ekemini Uwan and Christina EdmondsonAssistant producer: Christine Pelliccio MeloExecutive producer: Helen LeeTo reach the IVP podcast team, please use this form.Disclaimer: The comments, views, and opinions expressed in this podcast are solely those of the host and/or the guests featured on the podcast and do not necessarily reflect the views or positions of InterVarsity Press or InterVarsity Christian Fellowship.

Track every dollar. Never miss a commission again! -    affiliates.comtrack.io/7fig ?Join us at the Seven Figure Medicare Agent Summit: https://sevenfigure.com/summit/ In this episode of the Seven Figures or Bust Podcast, Evan McGoffey breaks down how Comtrack is revolutionizing commission tracking—helping agents automate data, catch missed income, improve retention, and scale their insurance business with powerful, all-in-one tech. 

Even though the video is strategy-focused and doesn't explicitly pitch the SaaS or Nestment, we still include the ecosystem links in the description as standard 2026 practice.If you are a solo real estate agent closing a high volume of homes, you might be making money, but you are likely on the verge of burnout. In this video, I break down the strategic shift you must make to transition from a busy salesperson to a wealth-building business operator.

In this week's First $1,000 segment, a talented artist capitalizes on their love for anime by offering personalized art commissions. Learn how they navigated pricing strategies, portfolio creation, and keeping up with clients. Side Hustle School features a new episode EVERY DAY, featuring detailed case studies of people who earn extra money without quitting their job. This year, the show includes free guided lessons and listener Q&A several days each week. Show notes: SideHustleSchool.com Email: team@sidehustleschool.com Be on the show: SideHustleSchool.com/questions Connect on Instagram: @193countries Visit Chris's main site: ChrisGuillebeau.com Read A Year of Mental Health: yearofmentalhealth.com If you're enjoying the show, please pass it along! It's free and has been published every single day since January 1, 2017. We're also very grateful for your five-star ratings—it shows that people are listening and looking forward to new episodes.

Aujourd'hui, Barbara Lefebvre, prof d'histoire-géo, Abel Boyi, éducateur, et Bruno Poncet, cheminot, débattent de l'actualité autour d'Alain Marschall et Olivier Truchot.

You don't get a medal for exhausting yourself in the name of community. A brilliant artist in my world recently asked a question that so many of you will recognise. Let's call them Kenny. Kenny runs socially engaged projects. They work with communities over weeks, sometimes months. Workshops turn into conversations. Conversations turn into drawings. Drawings become objects. Objects evolve into sound pieces. Eventually, it all lands as an installation with sculpture and layered audio. It is rich. It is generous. It is complex.  And the budget never quite matches the reality. Kenny finds themselves topping up production costs. Paying for extra studio time. Covering additional fabrication. Giving more hours than were funded. Holding the emotional labour that was never costed. They asked me, should I scale up to bigger institutions with bigger budgets, or should I reduce what I deliver? If this sounds familiar, you are not alone. Here is what is really happening.  If you've ever felt stretched thin by a commission that looked generous on paper but drained you in reality, this one will land.  I break down how to design modular versions of your practice, how to cost invisible labour properly, and how to stop reflex over-delivering just to secure the opportunity. KEY TAKEAWAYS Many artists, especially socially engaged artists, end up producing three projects under one fee - Community workshops. Research and relationship-building. Drawings, objects, sound, sculpture. Installation. Coordination. Care – And when the budget only stretches for one strand of that work, they quietly top it up themselves. - More hours. More energy. Design the project to fit the budget, not the other way round. Always pay yourself properly, and if the full ecosystem of your practice costs more than the fee use one of the 3 options Ceri shares to bring balance back and avoid burnout. Designing modular versions of your practice means you stop pouring the whole symphony into every commission and instead offer clear tiers that match the budget, so the work stays true without draining you. BEST MOMENTS “When you consistently top up a commission with your own time and money, you are not being noble. You are subsidising someone else's remit with your personal capacity.” “What you can't do is quietly over deliver and hope someone notices.” “Open your last project, calculate how many unpaid hours you gave, multiply that by your day rate, look at the number, then ask yourself, would I agree to that again knowingly?” HOST BIO With over 35 years in the art world, Ceri has worked closely with leading artists and arts professionals, managed public and private galleries and charities, and curated more than 250 exhibitions and events. She has sold artworks to major museums and private collectors and commissioned thousands of works across diverse media, from renowned artists such as John Akomfrah, Pipilotti Rist, Rafael Lozano-Hemmer and Vito Acconci. Now, she wants to share her extensive knowledge with you, so you can excel and achieve your goals. ** Ceri Hand Coaching Membership: Group coaching, live art surgeries, exclusive masterclasses, portfolio reviews, weekly challenges. Access our library of content and resource hub anytime and enjoy special discounts within a vibrant community of peers and professionals. Ready to transform your art career? Join today! https://cerihand.com/membership/ ** Unlock Your Artworld Network Self Study Course Our self-study video course, "Unlock Your Artworld Network," offers a straightforward 5-step framework to help you build valuable relationships effortlessly. Gain the tools and confidence you need to create new opportunities and thrive in the art world today. https://cerihand.com/courses/unlock_your_artworld_network/ ** Book a Discovery Call Today To schedule a personalised 1-2-1 coaching session with Ceri or explore our group coaching options, simply email us at hello@cerihand.com This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

In this episode, Toby Mathis, Esq. sits down with insurance expert Caleb Guilliams to break down the truth behind infinite banking and permanent life insurance — and why so much of what circulates online is misleading. They examine how life insurance is routinely oversold as an investment, using Kyle Busch's widely publicized $8 million loss as a cautionary tale about what happens when policies are structured for agent commissions rather than client performance. Caleb explains the three distinct types of life insurance strategies — term, estate planning, and high cash value — and why the vast majority of people should start with term coverage before considering permanent products. Toby and Caleb also walk through how policy loans actually work, including interest rates, repayment flexibility, and the buy-borrow-die strategy as it applies to real estate investors. Additional topics include internal rate of return after all costs, the asset protection advantages of cash value, chronic and critical illness riders as an alternative to traditional long-term care policies, and the red flags that signal a policy has been designed to benefit the agent far more than the client. Tune in for expert insight on how to evaluate, structure, and integrate life insurance as part of a broader financial strategy! Highlights/Topics: 00:00 Don't believe everything you see online 01:22 Insurance being sold as an investment 02:55 What infinite banking actually is 09:00 Where policies go wrong 13:20 Commissions and hidden costs 18:30 How policy loans really work 23:00 The 3 types of life insurance strategies 31:00 Why most people need term first 38:00 Who life insurance is really for 41:00 Biggest red flags to watch for 45:30 Final thoughts Share this with business owners you know Resources: Guest – Caleb Guilliams / BetterWealth Have a policy you want reviewed? →https://go.betterwealth.com/tm-review Want to see if life insurance can better your financial situation? →http://betterwealth.com/tm-call The AND Asset: The Secret Way to Save And Use Your Money at The Same Time: https://www.amazon.com/Asset-Secret-Save-Your-Money/dp/1732724903 Tax and Asset Protection Events https://andersonadvisors.com/real-estate-asset-protection-workshop-training/?utm_source=the-truth-about-infinite-banking-and-permanent-life-insurance&utm_medium=podcast Schedule Your FREE Consultation https://andersonadvisors.com/strategy-session/?utm_source=the-truth-about-infinite-banking-and-permanent-life-insurance&utm_medium=podcast Anderson Advisors https://andersonadvisors.com/ Toby Mathis YouTube https://www.youtube.com/@TobyMathis Toby Mathis TikTok https://www.tiktok.com/@tobymathisesq Clint Coons YouTube https://www.youtube.com/@ClintCoons

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Todd Kroupa A former firefighter turned top-producing real estate agent in Georgia. Todd explains his journey from a physically demanding fire department career to becoming a highly successful real estate broker, team leader, and luxury/equestrian property specialist. The conversation walks through: His transition from the fire service to real estate Opening and managing a 400‑agent office in Florida Relocating to Georgia and re-establishing his business How he advises both first-time homebuyers and experienced sellers Emotional decision-making in buying and selling Inspections, deal-breakers, and buyer/seller behavior Multi-generational housing trends post‑COVID Why real estate remains a wealth-building tool Advice for navigating neighborhoods, schools, and due diligence His eventual ranking as #1 single agent for Berkshire Hathaway in Georgia (2024–2025) Todd emphasizes integrity, long-term relationships, and guiding clients toward the right house — not just closing a deal. Purpose of the Interview The purpose of Todd Kroupa’s appearance is to: Share a motivational career-change story — moving from firefighter to top real estate agent. Educate listeners on the real estate process — including buying, selling, inspections, and market strategy. Give practical tips for first-time homebuyers, families, and multi-generational households. Promote best practices for choosing neighborhoods, navigating emotion in home buying, and avoiding pitfalls. Highlight Todd’s success and position him as a trusted resource for Georgia real estate clients. Key Takeaways 1. Career Transition & Motivation Todd became a firefighter in 1992, retired in 2014, and began real estate in 2002. Real estate appealed to him because it allowed him to continue helping people without the physical strain. He built and managed a 400-agent office before returning to working directly with clients — his true passion. 2. Balancing Firefighting and Real Estate He often worked both jobs full-time, with limited days off. Eventually, maintaining both became impossible: “I can’t do this anymore,” he told his wife. 3. Buyer Advice Buyers make decisions emotionally first, then logically. Within the first 3–5 minutes in a home, buyers often know if they like it. Lighting, paint color, home condition, and layout heavily influence emotional response. First-time buyers need extra guidance — like “teaching someone to drive for the first time.” 4. Seller Advice Selling isn’t just about market timing — presentation matters. Neutral paint colors and bright white lighting help increase buyer appeal. Every showing is won or lost in the first few minutes. 5. Inspections Matter — and Are Deal Breakers Top inspection walk‑aways: Mold Foundation issues Roof problemsTodd stresses that if a buyer is uncomfortable before closing, “you won’t be comfortable after you close.” 6. Emotion vs. Logic Many buyers get emotionally attached and ignore red flags. Todd’s rule: commissions should never drive decisions. 7. Multi-Generational Living Is Rising Driven by COVID, high child-care costs, rising home prices. Families are choosing: ADUs (Accessory Dwelling Units) “In-law suites” Larger family compounds 8. Real Estate as a Wealth Builder Unlike stock investments, real estate allows you to: Control, improve, alter, and live in the asset. Tax advantages like 1031 exchanges and mortgage deductions compound long-term value. 9. Don’t Buy the Most Expensive House in the Neighborhood Surrounding homes cap your resale value. You may have to wait years for nearby homes to “catch up.” 10. Neighborhood Due Diligence Realtors must avoid discrimination (Fair Housing Act). Buyers should: Visit neighborhoods at night and on weekends Speak with neighbors Review school ratings and county resources Notable Quotes (from the transcript) Career & Purpose “I love helping people. That’s why I became a fireman. Real estate was another way to help people.” “I wasn’t quite sure I wanted to manage long term… my heart was with clients.” Ethics & Commission “Commissions should never be above the people.” “If you’re focused on commissions, you need to pick a different industry.” Emotions in Home Buying “Buyers think they’re looking logically, but they’re looking emotionally first.” “Within the first 3–5 minutes, they already know if they like the home.” Inspections “If you’re not comfortable with the property now, you won’t be comfortable after you close.” Neighborhood Choice “Focus on the house, but look at the neighborhood — you can’t change your neighbors.” Wealth Building “With stocks you can’t control it, improve it, or live in it. With a home, you can.” Success & Determination “Someone told me when I moved to Georgia I wasn’t going to make it. Now I’m the number one salesperson in Georgia.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

The commercial real estate debt crisis is creating the biggest commission opportunity most residential agents will ever see—and almost nobody in the practitioner space is talking about how to actually work it. In this episode, we break down how to navigate this massive shift in commercial real estate to secure life-changing deals in 2026.In this conversation, I sit down with Louis, a former truck driver who failed his real estate exam 15 times, slept in his car, and went on to become the No. 8 Century 21 agent worldwide in his fourth year. The day before we recorded this, he closed an $11.35 million deal over the phone—without ever visiting the property—by negotiating an $800,000 interest discount from an institutional lender.This is not a macro conversation about the economy. This is a street-level breakdown of exactly how agents are finding distressed commercial assets, building offering memorandums, partnering with institutional buyers, and closing deals that pay $400,000 in a single transaction.What You'll Learn:✅ Why $3 trillion in commercial debt coming due is the window agents cannot afford to miss ✅ The single biggest mistake agents make when entering commercial deals (going after sellers only) ✅ How Louis used offering memorandums to control off-market deals before he had a single listing ✅ Why the lenders are now calling agents first—and what that means for your leverage ✅ How to partner with other agents on commercial deals so everybody eats ✅ Why controlling the deal matters more than having the capital ✅ What is happening right now in Florida, Texas, and California with distressed portfolios

San Francisco's government has long been shaped by a tension between efficiency and public oversight. After voters approved Prop E in 2024, a new Commission Streamlining Task Force was created and it recently recommended cutting and merging many of the city's roughly 150 boards and commissions—potentially reducing them by more than 40 percent. But the proposals, which critics say would limit the power of oversight bodies like the police and ethics commissions, sparked major pushback, and now the Board of Supervisors says it will likely act only on “non-controversial” changes. Will efforts to streamline city government ever make headway—and should they? Guests: Jonah Owen Lamb, staff writer, SF Examiner Io Yeh Gilman, reporter, Mission Local Lauren Post, former member, Public Works Commission Amerika Sanchez, member, Human Rights Commission; went through Urban Habitat incubator program to help people of color join commissions; served on 2 commissions Learn more about your ad choices. Visit megaphone.fm/adchoices

Most people with significant pension assets have no real idea what their financial advisor earns from their money. Not because the information is illegal to share — it isn't — but because the system is designed in a way that makes it genuinely difficult to see. In this episode, Paddy looks at how commission structures work in Irish financial advice, why the difference between a percentage and a euro figure matters enormously, and what a truly transparent client-advisor relationship should actually look like. Key points covered: How initial and trail commissions work on Irish ARFs, pensions and investment products — and what those percentages look like when converted into real euro figures Why the structure of commission-based advice creates a conflict of interest that isn't malicious, but is very real The difference between a suitability standard and a fiduciary duty — and why that distinction could be worth a significant amount of money to you A real client story: a couple who were being advised to keep working and keep contributing, when in fact they already had enough to retire comfortably What good transparency would actually look like — and the three questions every investor should be asking their advisor right now I hope it helps.

Emily Jeffords is back on The Create! Podcast and this one is for every artist who is quietly wondering if there is a better way to do this. Emily is a painter, educator, and founder of the Making Art Work program - and she brings a level of honesty to this conversation that is genuinely rare. We talk about what it looks like to be in an "incubation year," the bravery it takes to begin again after you've already mastered something, and why the sale starts long before anyone opens their wallet - it starts when you fall back in love with your own work. She shares the real story behind her commission journey, from charging 5% of what she charges now to intentionally opening just three spots for large-scale work and selling them all. We get into how she structures commissions entirely on her own terms, the nervous system collapse that was her 2021 burnout, and why she chose to scale her business down from seven figures - and has never looked back. This episode is honest, practical, and genuinely grounding. I hope it gives you the permission slip you didn't know you needed. In this episode: What an "incubation year" actually looks like in your creative business The bravery of beginning again after you've already mastered something How Emily structures commissions so she stays creatively in charge Selling older work - three tips for falling back in love with your inventory Why she walked away from a seven-figure business and what she built instead Burnout as a nervous system issue, not a productivity problem The 1% a day mantra inside Making Art Work What profitability really means for artists beyond money Links mentioned: Emily's free 4-day Share Your Work Challenge - starts March 24   Emily's Making Art Work 9-week program  Submit to Create! Magazine: - createmagazine.co/call-for-art

Want to beat commission compression? Learn how wholesale real estate and a true hybrid model can transform your business. Every Realtor needs these listing strategies to thrive in 2026.Relying strictly on standard MLS transactions is no longer enough to scale your income. In this training, we break down the exact shift into real estate investing that helps traditional agents become principal buyers. By mastering wholesaling, you can easily monetize dead leads that refuse to list their homes traditionally. We will show you how to market your direct real estate cash offers to attract motivated sellers who value speed, privacy, and absolute convenience over getting top dollar on the open market.This powerful approach expands your professional toolbox with creative real estate solutions. You do not need to hire a massive new sales team, buy expensive new software, or radically increase your monthly overhead to make this system work. Instead, you simply need to identify the highly profitable off-market deals already hiding inside your current lead pipeline. Whenever a seller wants a retail sale or needs a rapid close, you will be the only expert providing the perfect solution.Here is exactly what you will learn in this session:✔️ How to generate massive wholesale real estate assignment fees consistently.✔️ The absolute best Realtor tips and tricks to cross train your existing team.✔️ Why offering multiple exit strategies builds instant, undeniable trust with skeptical sellers.✔️ The exact questions to use to uncover hidden seller motivation on the very first call.✔️ How to run a lean, highly profitable business without sacrificing your personal time.Stop letting the market dictate your future. It is time to step off the transaction hamster wheel, start thinking like a true business owner, and build a resilient operation by mastering wholesale real estate today.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Todd Kroupa A former firefighter turned top-producing real estate agent in Georgia. Todd explains his journey from a physically demanding fire department career to becoming a highly successful real estate broker, team leader, and luxury/equestrian property specialist. The conversation walks through: His transition from the fire service to real estate Opening and managing a 400‑agent office in Florida Relocating to Georgia and re-establishing his business How he advises both first-time homebuyers and experienced sellers Emotional decision-making in buying and selling Inspections, deal-breakers, and buyer/seller behavior Multi-generational housing trends post‑COVID Why real estate remains a wealth-building tool Advice for navigating neighborhoods, schools, and due diligence His eventual ranking as #1 single agent for Berkshire Hathaway in Georgia (2024–2025) Todd emphasizes integrity, long-term relationships, and guiding clients toward the right house — not just closing a deal. Purpose of the Interview The purpose of Todd Kroupa’s appearance is to: Share a motivational career-change story — moving from firefighter to top real estate agent. Educate listeners on the real estate process — including buying, selling, inspections, and market strategy. Give practical tips for first-time homebuyers, families, and multi-generational households. Promote best practices for choosing neighborhoods, navigating emotion in home buying, and avoiding pitfalls. Highlight Todd’s success and position him as a trusted resource for Georgia real estate clients. Key Takeaways 1. Career Transition & Motivation Todd became a firefighter in 1992, retired in 2014, and began real estate in 2002. Real estate appealed to him because it allowed him to continue helping people without the physical strain. He built and managed a 400-agent office before returning to working directly with clients — his true passion. 2. Balancing Firefighting and Real Estate He often worked both jobs full-time, with limited days off. Eventually, maintaining both became impossible: “I can’t do this anymore,” he told his wife. 3. Buyer Advice Buyers make decisions emotionally first, then logically. Within the first 3–5 minutes in a home, buyers often know if they like it. Lighting, paint color, home condition, and layout heavily influence emotional response. First-time buyers need extra guidance — like “teaching someone to drive for the first time.” 4. Seller Advice Selling isn’t just about market timing — presentation matters. Neutral paint colors and bright white lighting help increase buyer appeal. Every showing is won or lost in the first few minutes. 5. Inspections Matter — and Are Deal Breakers Top inspection walk‑aways: Mold Foundation issues Roof problemsTodd stresses that if a buyer is uncomfortable before closing, “you won’t be comfortable after you close.” 6. Emotion vs. Logic Many buyers get emotionally attached and ignore red flags. Todd’s rule: commissions should never drive decisions. 7. Multi-Generational Living Is Rising Driven by COVID, high child-care costs, rising home prices. Families are choosing: ADUs (Accessory Dwelling Units) “In-law suites” Larger family compounds 8. Real Estate as a Wealth Builder Unlike stock investments, real estate allows you to: Control, improve, alter, and live in the asset. Tax advantages like 1031 exchanges and mortgage deductions compound long-term value. 9. Don’t Buy the Most Expensive House in the Neighborhood Surrounding homes cap your resale value. You may have to wait years for nearby homes to “catch up.” 10. Neighborhood Due Diligence Realtors must avoid discrimination (Fair Housing Act). Buyers should: Visit neighborhoods at night and on weekends Speak with neighbors Review school ratings and county resources Notable Quotes (from the transcript) Career & Purpose “I love helping people. That’s why I became a fireman. Real estate was another way to help people.” “I wasn’t quite sure I wanted to manage long term… my heart was with clients.” Ethics & Commission “Commissions should never be above the people.” “If you’re focused on commissions, you need to pick a different industry.” Emotions in Home Buying “Buyers think they’re looking logically, but they’re looking emotionally first.” “Within the first 3–5 minutes, they already know if they like the home.” Inspections “If you’re not comfortable with the property now, you won’t be comfortable after you close.” Neighborhood Choice “Focus on the house, but look at the neighborhood — you can’t change your neighbors.” Wealth Building “With stocks you can’t control it, improve it, or live in it. With a home, you can.” Success & Determination “Someone told me when I moved to Georgia I wasn’t going to make it. Now I’m the number one salesperson in Georgia.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Todd Kroupa A former firefighter turned top-producing real estate agent in Georgia. Todd explains his journey from a physically demanding fire department career to becoming a highly successful real estate broker, team leader, and luxury/equestrian property specialist. The conversation walks through: His transition from the fire service to real estate Opening and managing a 400‑agent office in Florida Relocating to Georgia and re-establishing his business How he advises both first-time homebuyers and experienced sellers Emotional decision-making in buying and selling Inspections, deal-breakers, and buyer/seller behavior Multi-generational housing trends post‑COVID Why real estate remains a wealth-building tool Advice for navigating neighborhoods, schools, and due diligence His eventual ranking as #1 single agent for Berkshire Hathaway in Georgia (2024–2025) Todd emphasizes integrity, long-term relationships, and guiding clients toward the right house — not just closing a deal. Purpose of the Interview The purpose of Todd Kroupa’s appearance is to: Share a motivational career-change story — moving from firefighter to top real estate agent. Educate listeners on the real estate process — including buying, selling, inspections, and market strategy. Give practical tips for first-time homebuyers, families, and multi-generational households. Promote best practices for choosing neighborhoods, navigating emotion in home buying, and avoiding pitfalls. Highlight Todd’s success and position him as a trusted resource for Georgia real estate clients. Key Takeaways 1. Career Transition & Motivation Todd became a firefighter in 1992, retired in 2014, and began real estate in 2002. Real estate appealed to him because it allowed him to continue helping people without the physical strain. He built and managed a 400-agent office before returning to working directly with clients — his true passion. 2. Balancing Firefighting and Real Estate He often worked both jobs full-time, with limited days off. Eventually, maintaining both became impossible: “I can’t do this anymore,” he told his wife. 3. Buyer Advice Buyers make decisions emotionally first, then logically. Within the first 3–5 minutes in a home, buyers often know if they like it. Lighting, paint color, home condition, and layout heavily influence emotional response. First-time buyers need extra guidance — like “teaching someone to drive for the first time.” 4. Seller Advice Selling isn’t just about market timing — presentation matters. Neutral paint colors and bright white lighting help increase buyer appeal. Every showing is won or lost in the first few minutes. 5. Inspections Matter — and Are Deal Breakers Top inspection walk‑aways: Mold Foundation issues Roof problemsTodd stresses that if a buyer is uncomfortable before closing, “you won’t be comfortable after you close.” 6. Emotion vs. Logic Many buyers get emotionally attached and ignore red flags. Todd’s rule: commissions should never drive decisions. 7. Multi-Generational Living Is Rising Driven by COVID, high child-care costs, rising home prices. Families are choosing: ADUs (Accessory Dwelling Units) “In-law suites” Larger family compounds 8. Real Estate as a Wealth Builder Unlike stock investments, real estate allows you to: Control, improve, alter, and live in the asset. Tax advantages like 1031 exchanges and mortgage deductions compound long-term value. 9. Don’t Buy the Most Expensive House in the Neighborhood Surrounding homes cap your resale value. You may have to wait years for nearby homes to “catch up.” 10. Neighborhood Due Diligence Realtors must avoid discrimination (Fair Housing Act). Buyers should: Visit neighborhoods at night and on weekends Speak with neighbors Review school ratings and county resources Notable Quotes (from the transcript) Career & Purpose “I love helping people. That’s why I became a fireman. Real estate was another way to help people.” “I wasn’t quite sure I wanted to manage long term… my heart was with clients.” Ethics & Commission “Commissions should never be above the people.” “If you’re focused on commissions, you need to pick a different industry.” Emotions in Home Buying “Buyers think they’re looking logically, but they’re looking emotionally first.” “Within the first 3–5 minutes, they already know if they like the home.” Inspections “If you’re not comfortable with the property now, you won’t be comfortable after you close.” Neighborhood Choice “Focus on the house, but look at the neighborhood — you can’t change your neighbors.” Wealth Building “With stocks you can’t control it, improve it, or live in it. With a home, you can.” Success & Determination “Someone told me when I moved to Georgia I wasn’t going to make it. Now I’m the number one salesperson in Georgia.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Rodger Erker, a native of St. Louis, earned his Real Estate Broker's License in the state of Missouri. After moving to Tulsa in 1966, he became a Sales Associate with Detrick Realtors. In 1975, Rodger became a partner with Joe McGraw and Harold Grimmer in the firm of McGraw Breckinridge Realtors.Rodger Erker Realtors was formed in 1984 with the main office in Tulsa's Midtown Brookside area, for over 25 years. Rodger sold his company to McGraw Realtors in 1992 while remaining with the firm.In his oral history, Rodger talks about his time in a catholic seminary, the family carpet business, how he started selling houses, and how diabetes affected his family -- on the podcast and website VoicesOfOklahoma.com.

Are you losing sales in the first 7 seconds? In this episode of the Life Insurance Academy Podcast, we break down four simple adjustments that can dramatically increase your close rate — especially if you're new or still finding your rhythm in telesales or final expense. After a high-production bootcamp (60 apps, $70K in 2.5 days with 21 agents), we noticed patterns. The difference between agents who struggle… and agents who stack "fat stacks"… often comes down to clarity, confidence, and control.   Here's what we cover: ✅ How to get past the first 7 seconds without getting hung up on ✅ The #1 communication mistake new agents make (speed kills) ✅ How to sound confident — even if you're naturally introverted ✅ Why having clients write things down increases closes ✅ The fastest way to erode trust (and how to avoid it) ✅ Mastering the 5-step sales framework: Belief → Trust → Stakes → Option → Solution   If you're putting clients on hold, rushing your script, or sounding unsure — this episode is for you.   Remember: It's not about being loud. It's about being clear. It's not about being pushy. It's about being principled. Help more clients. Serve with confidence. Then go make those "fat stacks."  

Discover why youth engagement in local government matters. Hear how the cities of Greenville and Travelers Rest empower students to shape city decisions.Episode Resources:City of Greenville Youth Commission Official PageTravelers Rest Boards, Commissions, and Youth Council AcademyGVL 2040 Comprehensive PlanSimple Civics:Simple Civics: Greenville County is a project of Greater Good GreenvilleGet in touchSupport Simple Civics with a tax-deductible contributionSign up for the Simple Civics newsletter.View our entire catalogueSimple Civics: Greenville County is produced by Podcast Studio X.

YouTube for Real Estate is changing the game, and in this interview with Levi Lascsak and Elizabeth Oliva, you'll see exactly how YouTube can generate real estate leads and consistent closings year after year. If you've ever wondered whether YouTube really works for real estate agents, this story will open your eyes.Elizabeth is a real estate agent from Fort Worth, Texas, who built her business using YouTube for Real Estate and turned her channel into a steady source of real estate leads. She started her YouTube channel in early 2024 during a tough market and still closed multiple deals from YouTube in her first year. By her second year, YouTube was driving the majority of her business, including luxury clients and new construction buyers. She shares how she planned her content, how long it took to get her first lead, and what helped her stay consistent.If you are new to YouTube or unsure where to start, this conversation will show you what's possible. We talk about video ideas, building trust with clients, generating inbound real estate leads, and how YouTube works for you 24/7. If you want more predictable business using YouTube for Real Estate, this is a must-watch and must-listen podcast episode!======

What does it feel like to work professionally as an artist for 23 years but still feel like you're treading water? In this episode of Art Problems, I speak with Boston-based artist Yuko Oda about joining Netvvrk just over a year ago after graduating from RISD in 2002 and spending two decades feeling confused about her trajectory. She was saying yes to everything, spreading herself too thin, and missing opportunities she should have seized—like a group show in Tokyo where she wasn't happy with the work she submitted. In just over a year, Yuko sold her first major piece directly to a collector, secured a three-piece commission for a downtown Boston high-rise, exhibited work in Rome that she calls her best art experience ever, and learned to set boundaries that protect her momentum. We talk about overcoming hesitation to invest in yourself, how accountability groups helped navigate everything from invoices to artist-consultant contract splits, and what it feels like to finally know where you are on your career path instead of floating like a bubble. Free Info Session: How to Become a Biennial Artist - Wednesday, February 25th at 7pm EST Register here.  Yuko Oda: Website: https://www.yukooda.com/ Instagram: https://www.instagram.com/yukooda75 Education: Rhode Island School of Design (RISD): https://www.risd.edu Institutions Mentioned: UMass Lowell: https://www.uml.edu Harvard Entomology Club: https://hmnh.harvard.edu New York Institute of Technology: https://www.nyit.edu Grants & Programs: Guggenheim Fellowship: https://www.gf.org Artists Mentioned (Commission Advice): Laura Fayer: https://www.laurafayer.com/ Adria Arch: https://www.adriaarch.com/ John Laustsen: https://www.jonlaustsen.com/ Mary Lynn Burke: https://www.marylynnburke.com/ Kristin Cronic: https://www.kristinraecronic.com/

If you love making art, but worry that building an art career will burn you out, this episode is for you. Hustle culture is built on productivity and output, but artists don't thrive that way. Creativity needs openness, joy, and space. When you're depleted, you start avoiding the studio, your work feels flat, and you begin doubting yourself. In Episode 141, Jodie breaks down how to design your art career around your real energy levels, not hustle culture. You'll learn how to find your creative rhythms, how to match tasks to high, medium, and low energy, and how time blocking can protect your creativity and help you sustain the long game. Jodie also talks about why scarcity drains artists fast, and how multiple streams can create peace, reduce desperation, and make your work braver. And she calls out the boundary issues that deplete artists the most, including people pleasing, undercharging, and discounting from insecurity. Make sure to subscribe to this podcast so you don't miss a thing! And don't forget to come hang with me on Instagram @jodie_king_. Interested in being a guest on a future episode of Honest Art®? Email me at amy@jodieking.com! Resources mentioned: Curious about Studio Elite? Our next cohort starts late February 2026: https://www.jodiekingart.com/studioelite  Learn more about Upcoming Workshops: https://jodieking.com/workshop  Looking for an art community? Join us in the Honest Art® Society: https://www.jodiekingart.com/has  You might also like Episode 137: Art Fair Application Secrets Every Artist Should Know: https://jodieking.com/episode-137-art-fair-application-secrets-every-artist-should-know/ Jodie also talks about time management in Episode 111: The Hidden Studio Habits That Sabotage Your Creativity: https://jodieking.com/episode-137-art-fair-application-secrets-every-artist-should-know/ Learn More about Commissions in Episode 41: How to Have Fun and Make Money with Commissions: https://jodieking.com/episode-41-how-to-have-fun-and-make-money-with-commissions/ Interested in Licensing Your Art? Listen to Episode 134: The Art Licensing Playbook with Cat Coquillette: https://jodieking.com/episode-134-the-art-licensing-playbook-with-cat-coquillette/ Learn How to Price Your Art So It Sells with Episode 69: https://jodieking.com/episode-69-best-of-how-to-price-your-art-so-it-sells/  Have a question for Jodie? Ask it here: https://forms.gle/hxrVu4oL4PVCKwZm6  How are you liking the Honest Art® Podcast? Leave us a review on your favorite podcast platform and let us know!     Watch this full episode on my YouTube channel: https://www.youtube.com/playlist?list=PLMquJfuMsSg0fr46BRdia1cWd-81GThzF For a full list of show notes and links, check out my blog: www.jodieking.com/podcast  

Hosts Brody Henderson, Seth Morris, and Cory Calkins chat with Chef Lukas Leaf of Modern Carnivore and Sportsmen for the Boundary Waters about the recent threats to one of our county's most cherished wild places, stage a crew Hot Tip Off, talk with NWF's Jeremy Romero, and read some listener emails. Watch the live stream on the MeatEater Podcast Network YouTube channel. Subscribe to The MeatEater Podcast Network MeatEater on Instagram, Facebook, Twitter, and YouTubeSee omnystudio.com/listener for privacy information.