In this episode of the Massive Agent Podcast our host Dustin Brohm shares some exciting predictions about the coming interest rates cuts and when the surge in home sales is coming. During the episode Dustin introduces the Massive Agent Referral Network highlighting how it's different than most other Referral Networks for Agents. Agents will need to qualify to represent their market. He also provides details on what it takes for agents to become part of this network. Moreover Dustin emphasizes the significance of agents keeping themselves informed. Suggests ways they can empower their clients by sharing valuable insights about upcoming market changes. The episode concludes with a motivating message from Dustin urging agents to prepare for a boom, in business brought about by these anticipated market shifts.Resources mentioned:
Maggie Peña is the Chief Experience Officer at Interlace Health (the next generation of FormFast), a 30 year old privately held healthcare IT firm that delivers scalable and cost-effective forms automation and eSignature solutions for healthcare organisations. She brings 22 years of experience in IT to her role and leads one third of Interlaces Health's employees. With a fierce focus on customer satisfaction and retention, Maggie created and built Interlace Health's customer support team and its customer implementation strategy, she built out the company's fully Spanish-speaking team for project implementation, and ongoing customer support, and she has managed the company's managed services program to create efficiencies for customers. She believes in a proactive approach to customer service, and it shows with happy and successful customers. Under Maggie's leadership, Interlace Health currently has a 97.4% customer retention rate. Maggie serves as a co-leader for the HIMSS Clinician Burden Reduction Task Force and was recently named Becker's 2023 Women in Health IT to Know list. Questions • Could you share a little bit about your journey, how you got to where you are today. • Can you tell our listeners maybe three key things that you've done consistently that you believe has contributed to the success of achieving a 97.4% customer retention rate? • Can you tell us maybe some of the criteria that you use to select those customers? What type of customer do you look for to ensure that they are the ones that you're joining your counsel? • Now, could you also share with our listeners what is the one online resource, tool, website or app that you absolutely can't live without in your business? • Now we'd also like for you to share with us maybe one or two books that you've read. It could be a book that you read a very long time ago or even one that you read recently, but it has had a great impact on you. • As a customer, what are maybe three things that are critical for you to actually say, yes, this was a great customer experience. • Can you also share with our listeners, what's the one thing that's going on in your life right now that you're really excited about? Either something you're working on to develop yourself or your people. • Are there are some key behaviours or competencies that you look for when you're hiring persons for those roles as customer support? • Where can listeners find you online? • Now, before we wrap our episodes up, we always like to ask our guests, do you have a quote or saying that during times of adversity or challenge, you will tend to revert to this quote if for any reason you get derailed or you get off track? This quote kind of helps to get you back on track. Do you have one of those? Highlights Maggie's Journey Me: So, just wanted to take some time before we jump into the meat of our conversation for you to share with our listeners a little bit about your journey. I know we would have read your bio, but we always like to ask the guests in their own words, if you could share a little bit about how you got to where you are today. Maggie shared that it has been an interesting journey. When she started college, she wanted to be an accountant. But after her first accounting course, she quickly realized that was not her calling. So, the path that really paved her way to where she is today started in the financial industry during her junior year working part time for a local bank and the IT department, processing operations for almost 30 banks throughout the state, working with a Unisys mainframe and green screen terminals for the very first time. And she thinks she just might have dated herself, but that's okay. So, all kidding aside, it was a great learning experience nonetheless. By then, she had switched majors and was now pursuing a degree in Computer Information Systems. And her time at the bank confirmed and validated her interest in technology and how we can use technology to automate processes to increase efficiencies and customer service as we knew it back then, now that customer experiences tends to be a newer word, back in the day, we were thinking at it as customer service. She was lucky enough to stay at the bank for almost 7 years until the bank was acquired by an international bank with plans to move their IT operations someplace else. At that point, she knew that it was time to move on and look for something else. So, she joined a local health care system, also working in their IT department supporting the business and financial side of the hospital. After about a year, Interlace Health, formerly FormFast as said came into her life when the hospital purchased a forms automation solution. So, fast forward a couple of years, she had the opportunity to join the NRA Health team and have now been there for almost 13 years. Key Strategies that Contributed to the Success of Achieving a 97.4% Customer Retention Rate Me: So, in your bio, it says that you've managed to achieve a 97.4% customer retention rate. Can you tell our listeners maybe three key things that you've done consistently that you believe has contributed to that success? Maggie shared that at Interlace Health, they believe in putting people first, so that is their mission. They put people over paperwork, and it has reflected on the solutions that they provide their customers and the solution is that they innovate and so on, so forth. But even in the services, she has a belief that software alone doesn't cut it anymore, it just doesn't. Anyone can have a similar product or a similar solution as you, it really comes down to the level of service that you provide your customers and the experience that they encounter throughout the entire journey. So, first and foremost, they put people first, always there for their customers, they have also built a dedicated team within the services department at Interlace Health, always to be their specialized in what they do, enabled to deliver personalized and attentive support to their customers, they are there with them, they understand their business, they understand their needs, and they're always available. Again, to address it, regardless of what the need may be, the COVID pandemic was huge, it was terrible, but it was an opportunity for them to be there for their customers and continue providing the service, and not just the service, but continue providing the same level of service to enable them to continue providing the care that they needed to provide even more so during those difficult times. And then three, they embrace feedback from their customers, the good, the bad, and the Ugly, like the saying. They're always there, they have established a Customer Success Council and it's composed of their most engaged, knowledgeable customers who advises on their products or solutions, they share the best practices. And quite frankly, they give candid feedback. It's not always what they want to hear, but at the end of the day is what they want to hear, because their feedback and their insights have helped make informed decisions as they improve their products and services. And they are pretty much the ones helping them guide their path forward as it comes to their products and services. Criteria for Selecting Customers to Join Your Customer Success Council Me: Now, in addition to those three things that has contributed to your customer retention rate being at 97.4%. And I know you mentioned a customer council that you say you use to guide you. Can you tell us maybe some of the criteria that you use to select those customers? What type of customer do you look for to ensure that they are the ones that you're joining your council? Maggie shared that they offer various solutions. So, they try to get customers that are using different types of solutions, right? Because obviously, there's different needs that each solution addresses. First, they started with their internal team, and they asked them who are your champions? Who are your stellar contacts that are customers who know their products, they know it well, they're using it consistently and that's the criteria. It's also customers that are using their solutions successfully and consistently. But they try to get customers who weren't using it as much or adopting it as they would like them to, to get involved, to tell them why, what are your challenges? What are your staff or your patients telling you about your solutions or their solutions in this case, that is keeping you from using it to its fullest potential? So, it was really customers that were mostly engaged and customers that they have communication with, but not to the extent like the fully engaged ones, if that makes sense so that we could get both sides of the house, those that are using it a lot and those that are struggling for various reasons, they wanted to hear from them as well. App, Website or Tool that Maggie Absolutely Can't Live Without in Her Business When asked about online resource that she cannot live without in her business, Maggie shared that she would say internally, Microsoft Teams. Prior to pandemic, Interlace Health, they've always been a remote company. So, mostly everyone was remote, she's been remote almost 13 years there. But since pandemic, she thinks Microsoft Teams have kept them very well connected not just internally but with their customers in the hospital setting, that is what they've seen use the most is Microsoft Teams. And then internally to keep track of their customers and their data and their metrics and so on, so forth. Everything that they need to know about their customers, they use Salesforce platform. Books that Have Had the Biggest Impact on Maggie When asked about books that have had a great impact, Maggie shared that The Speed of Trust: The One Thing that Changes Everything by Stephen Covey. She loves that book and it's been a while, she's probably going to read it again. And the question got her thinking she needs to reread it again. But it's been a few years since she's read it. And she loves how it gives clarity into how trusted leaders do things differently, faster and at a lower cost. She's a true believer that trust drives everything, and how it produces better results. So, that's one. And then the second one not so much a book, because he's got plenty of books, but John Maxwell, anything, everything John Maxwell, he's amazing. She first heard him 5 years ago at a Global Leadership Summit. The one thing that struck the most from that Summit was when he was talking about looking for ways to add value to people, he called it be an added value liver. Where he was talking about throughout the day, going from knowing to doing, from thinking and looking to making sure it's an action. And at the end of the day, ask yourself, “Did I add value to people today?” Again, John Maxwell, he is someone who she constantly sees his videos, she's purchased some training, she even purchases trainings there at work for her direct reports as well to see and to encounter and to read and learn from his teachings. So, those are the two that she can think of. As a Customer, Three Critical Things to Have a Great Customer Experience Me: Now I know as your role as a Chief Experience Officer at Interlace Health, you are focused on providing the service to your clients. But I'd like to flip the script a little and put you in the in the hotbox where you are the customer. So, when you think about your own interactions with organizations that you do business with, what are maybe three things that are critical for you to actually say, yes, this was a great customer experience. Maggie stated that the sense of trust. She talked about trust, the book. So, she would say trust, transparency, and personalization, if she had to put it into just three words. This would be her top three that comes to mind right away. Me: So, trust, transparency, and personalization. Maggie stated that personal life experience, she's huge on that. Just, for example, even when she goes to restaurants, the first thing she looks at when the waiter approaches her is their name badge, because she wants to address them by their name. And she always does, it's just that personal touch and everything that we do, to her, that's very important. Me: It's always the little things. What Maggie is Really Excited About Now! When asked about something that she's excited about, Maggie shared that just with the new CXO role, she's excited about it because it's going to allow her to work with the entire organization on the customer journey from the initial awareness to implementation support and beyond. So, she's excited to continue creating a more holistic customer centric culture at Interlace Health, while developing and implementing a comprehensive customer experience strategy. And Yanique did the bragging, she (Maggie) was going to brag a little bit about their customer retention rate. So, that's also exciting for them at Interlace Health at the moment, which is that customer retention rate of 97.4%. Key Behaviours or Competence for Hiring Customer Support Me: Could you also share with us with, your customer support team that you had built out, how many persons are on that team? Maggie shared that they have the team, they're thinking about everyone that's doing support, a good 10 people. Me: So, you got 10 people on that support team. And so, I just wanted to know if there are some key behaviours or competencies that you look for when you're hiring persons for those roles. Maggie shared that yes, they need competency, they need people that know what they know, that they're intelligent, and they know what's expected of them. But she looks more on attitude, because you can teach the skills that they need to know in order to support the customers. You'll teach them the product and the solutions and all the intricacies right of what they do. But the attitude, that is not something they can teach. So, she hires for attitude. And so, that's a big one for her. At Interlace Health, they look for people who are motivated and you have to, in this remote world, you have to be self-motivated. We're no longer in front of other people to help us get through the day. So, you need self-motivated individuals, absolutely intelligent, competent people, but people that have the attitude, who are going to be there for their customers, because not every single call is a good call, and that's life. Some calls aren't always the best calls, but they want people who are going to have the attitude and turn a not so good call into a positive call at the end of the day while we're helping their customers resolve their problems. Where Can We Find Maggie Online Website – https://interlacehealth.com/ LinkedIn - https://www.linkedin.com/in/maggiepeña/ Quote or Saying that During Times of Adversity Maggie Uses When asked about quote that she tends to revert to, Maggie shared that there's one that she has that she's used personally since a very young age. And that is simple, “If anyone else can do it, so can I.” and like she said, that since she can remember going through school, college, you name it, she's always had that in her mind if anyone else can do it, so can I. Then she has a second one too as it relates to her professional setting at work and with her team as they're looking to do something new, whether it's a new process, a new approach to something, anything new that they're talking about doing, she always tells them, “Let's try it, what's the worst that can happen?” So, those are the two quotes that you'll hear her say quite a bit depending on the situation. Me: Perfect. I love the second one, “Let's do it, what's the worst that can happen?” Maggie stated, what's the worst that can happen? If it doesn't work, it wasn't working anyway. Me: There's one that goes, “You miss all of the shots that you never take.” That quote kind of reminds me of that one. Maggie, I just wanted to express our deepest gratitude to you for taking time out of your very busy schedule and hopping on this podcast with us today. And sharing about your journey as well as what your organization is doing and just how it is that you've been able to really make customer experience shine in your organization and achieve the high level of retention rate, how it is that you focus on ensuring that your customers are getting what they need, and not necessarily what organization wants to give them but you have something in place where you really use the voice of the customer on a regular basis. And you can see it manifest into your customer satisfaction and retention scores. So, thank you again for joining us today. Please connect with us on Twitter @navigatingcx and also join our Private Facebook Community – Navigating the Customer Experience and listen to our FB Lives weekly with a new guest Links • The Speed of Trust: The One Thing that Changes Everything by Stephen Covey The ABC's of a Fantastic Customer Experience Grab the Freebie on Our Website – TOP 10 Online Business Resources for Small Business Owners Do you want to pivot your online customer experience and build loyalty - get a copy of “The ABC's of a Fantastic Customer Experience.” The ABC's of a Fantastic Customer Experience provides 26 easy to follow steps and techniques that helps your business to achieve success and build brand loyalty. This Guide to Limitless, Happy and Loyal Customers will help you to strengthen your service delivery, enhance your knowledge and appreciation of the customer experience and provide tips and practical strategies that you can start implementing immediately! This book will develop your customer service skills and sharpen your attention to detail when serving others. Master your customer experience and develop those knock your socks off techniques that will lead to lifetime customers. Your customers will only want to work with your business and it will be your brand differentiator. It will lead to recruiters to seek you out by providing practical examples on how to deliver a winning customer service experience!
Mitchell Green of Lead Edge Capital joins Nick to discuss The Hierarchy of Bullsh*t, The 8 Criteria that Matter Most, Why Boiler Rooms Win, and the Key to Raising Capital. In this episode we cover: Investment Criteria for Scaling Companies Leveraging a Network of High-Net-Worth Individuals for Investment Opportunities Hiring and Evaluating Analysts in the Venture Capital Industry Investing in Private Companies and IPOs AI, Entrepreneurship, and Investing Guest Links: Twitter LinkedIn Lead Edge Capital The hosts of The Full Ratchet are Nick Moran and Nate Pierotti of New Stack Ventures, a venture capital firm committed to investing in founders outside of the Bay Area. Want to keep up to date with The Full Ratchet? Follow us on social. You can learn more about New Stack Ventures by visiting our LinkedIn and Twitter. Are you a founder looking for your next investor? Visit our free tool VC-Rank and we'll send a list of potential investors right to your inbox!
In this episode, we discuss the topic of Brain Death / Death by Neurologic Criteria. We discuss updates from the recently published American Academy of Neurology, American Academy of Pediatrics, Child Neurology Society, and Society of Critical Care Medicine clinical guidelines. Our Guest is Dr. David Greer. Dr. Greer is a neurologist with additional vascular neurology and neurocritical care training. He is the Chair of the Boston University School of Medicine Department of Neurology. Dr. Greer is a renowned clinician, educator, and researcher. He has an extensive list of publications and awards. He is the first author of the “Pediatric and Adult Brain Death/Death by Neurologic Criteria Consensus Guideline” we will discuss today. Additional Resources: Pediatric and Adult Brain Death / Death by Neurologic Criteria Consensus Guideline. David Greer, et al. Neurology 2023: https://n.neurology.org/content/early/2023/09/13/WNL.0000000000207740 Determination of Brain Death / Death by Neurologic Criteria. The World Brain Death Project. D. Greer et al. JAMA 2020 https://pubmed.ncbi.nlm.nih.gov/32761206/ Determination of Brain Death / Death by Neurologic Criteria. The World Brain Death Project. VIDEO: https://edhub.ama-assn.org/jn-learning/video-player/18529668 Controversies in Brain Death Declaration: Legal and Ethical Implications in the ICU. S Biel, et al: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7223748/ Books mentioned in this episode: The Boys in the Boat. By Daniel J. Brown: https://www.amazon.com/Boys-Boat Team of Rivals: The Political Genius of Abraham Lincoln. By Doris Kearns Goodwin: https://t.ly/7F1My Nine Stories. By JD Salinger: https://t.ly/qM5w_
Gilt selection is fundamental to successful breeding outcomes. This episode continues the conversation on gilt selection with marking techniques and selection criteria with PIC's Pro Select Program. Joining us are PIC's Alison Bueltel (https://www.linkedin.com/in/alison-bueltel-744120150/), Malcolm Turley (https://www.linkedin.com/in/malcolm-turley-068b7213/), and David McGee (https://www.linkedin.com/in/david-mcgee-181b2811/) PIC resources: * "Gilt Selection ROI Analysis" - https://www.pic.com/resources/gilt-selection-roi-analysis/ * "PIC Selection Manual" - https://www.picrsa.co.za/wp-content/uploads/2019/09/PIC-Selection-Manual.pdf At PIC, our goal is to make our customers the most successful pig producers by providing them with the best genetics. We know our business success depends on yours. Thanks for listening to 'The Squeal', PIC's swine management podcast, featuring in-depth conversations on topics that matter to you. PIC is the global leader in swine genetics. Whether you're tuning in for the first time or you're a long-time listener, take a second to subscribe to The Squeal. It's the easiest way to stay up to date with the latest podcast episodes. Just find the subscribe or follow button wherever you listen to podcasts. Already a subscriber? Visit your phone settings and turn notifications on so you never miss an episode.
In this episode of "Dreams With Deadlines," Jenny Herald sits down with Aaron Velek, Managing Consultant at Quantive, to delve deep into the world of Objectives and Key Results (OKRs).Key Things Discussed: The Role of OKR Champions: Aaron Velek provides a comprehensive view of what it means to be an OKR champion, emphasizing the importance of being a subject matter expert, a coach to leaders and teams, and a change agent in organizations. He shares insights into the qualities and skills essential for selecting OKR champions, such as problem-solving abilities, strategic thinking, and effective communication across organizational levels. Fostering a Community of OKR Champions: The conversation explores strategies for building and sustaining a community of OKR champions. Velek stresses the importance of regular training, meetings, and effective communication channels to ensure a unified understanding and approach to OKRs. He shares practical tips on organizing monthly meetups, developing comprehensive training modules, and using newsletters and technology to keep champions engaged and informed. Challenges and Success Stories in OKR Implementation: Velek shares real-world examples and success stories, particularly from his experience at SVB. He discusses how integrating OKRs into existing processes can lead to significant improvements and highlights the role of leadership and steering committees in navigating challenges and steering the OKR program towards success. Show Notes [00:00:00] Introduction. Jenny Herald introduces Aaron Velek and expresses excitement about having a colleague on the show. This sets the stage for the episode focused on OKRs. [00:00:09] Defining the Role of an OKR Champion. Discussion about what an OKR champion is, including their responsibilities and the importance of being a subject matter expert and a coach in the organization. [00:00:57] Qualities and Criteria for Selecting OKR Champions. Aaron Velek shares insights on the key qualities and criteria for selecting effective OKR champions, highlighting strategic mindset, organization skills, and the ability to communicate effectively. [00:01:37] Backgrounds and Experiences Ideal for OKR Champions. Exploration of the backgrounds and experiences that make someone an ideal candidate for an OKR champion, including roles like chief of staff and project management. [00:03:01] The Role of OKR Champions in Organizations. Discussion about the benefits of having in-house OKR champions compared to external OKR coaches, focusing on knowledge, experience, and embedding OKRs into the organization's rhythm. [00:03:48] Success Stories of OKR Implementation. Aaron shares success stories from his experience, highlighting the impact of effective OKR implementation and the role of champions in change management. [00:04:44] Responsibilities and Challenges for OKR Champions. Jenny and Aaron cover the key responsibilities of OKR champions, including leading workshops, facilitating events, and providing personalized coaching. [00:11:00] Building a Community of OKR Champions. Aaron discusses strategies for fostering a community of OKR champions, including training, frequent meetings, and asynchronous communication tools like Slack or Teams. [00:14:42] The Importance of Continuous Training and Learning. Detailed exploration of the training process for OKR champions, including fundamental, advanced, and coaching aspects, and the importance of continuous learning. [00:17:38] Utilizing Newsletters and Technology in OKR Programs. Discussion on the use of newsletters and technology to keep people engaged in the OKR program, and how these tools support the work of OKR champions. [00:23:10] Measuring the Success of an OKR Program. Aaron talks about how to measure the success of an OKR program, including engagement and adoption metrics, and the use of a maturity index. [00:24:17] The Role of the Steering Committee. A look into the role and assembly of the steering committee in guiding and supporting the OKR program, including facing obstacles and decision-making. [00:26:27] Quick-Fire Questions for Aaron Velek: What is your dream with a deadline? Aaron mentions his commitment to continuous learning without a specific deadline, making it an ongoing journey. On a personal note, he dreams of seeing his children grow up successfully in a good world, which is a constant goal for him. What strong opinions do you have about how OKRs should or should not be used? Aaron emphasizes the importance of focusing on outcomes rather than tasks or projects when using OKRs. He advises keeping the conversation around outcomes and the 'why' of OKRs to avoid turning them into mere task trackers. For an OKR champion lead about to start out, what would you suggest should be the first thing they do? Aaron recommends that new OKR champions should seek out and speak with experienced champions to understand their journey and focus areas for long-term development. What's the value of bringing someone external to help the OKR champions internally with their OKR program? Aaron highlights the value of external OKR coaches, noting that many companies lack dedicated internal resources with extensive experience in launching OKR programs. He suggests that external coaches can help launch or get programs back on track, bringing in-depth experience and knowledge. Book That Shaped Your Thinking: Aaron cites "Extreme Ownership" by Jocko Willink as influential in shaping his mindset. He appreciates the book's focus on prioritizing critical tasks and not becoming overwhelmed, which has guided his approach to project and program management, as well as OKRs. Relevant links:"Extreme Ownership" by Jocko Willink and Leif BabinAbout the Guest:Aaron Velek, Managing Consultant at Quantive, is an expert in OKR methodology with a focus on strategic planning and change management. Known for his work at SVB, he specializes in coaching and developing OKR champions in various organizations.Follow Our Guest:Website | LinkedInFollow Dreams With Deadlines:Host | Company Website | Blog | Instagram | Twitter
Building strategic partnerships with attorneys and accountants can be a game-changer for financial advisors with the power to redefine the trajectory of an advisor's career. By unlocking the code of how to build a strategic partnership with these professionals, financial advisors can have a consistent flow of high-net-worth referrals. In this episode, Rusty and Robyn talk with Brett Van Bortel, Director of Consulting Services at Invesco Consulting. Brett has been with Invesco since 2010 and specializes in helping financial professionals be more profitable, effective, and productive. He has developed and delivered numerous consulting programs designed to increase the profitability, effectiveness, and productivity of financial professionals. As a speaker and consultant, Brett focuses on helping financial professionals build strategic partnerships with attorneys and CPAs to create a pipeline of high-net-worth referrals. Brett joins Rusty and Robyn to discuss how financial advisors can build strategic partnerships that grow their businesses. He dives into the importance of creating pipelines of high-net-worth referrals from attorneys and accountants and how to build successful client relationships. Brett also shares the challenges and solutions in building these partnerships and the five criteria for evaluating potential strategic partnerships. Key Takeaways [03:25] - Brett's career background. [04:10] - What separates Invesco apart from other firms? [04:52] - Why “The Referral Code” resonates with financial advisors. [06:05] - The question financial advisors need to ask when starting a business. [06:52] - How financial professionals create successful strategic partnerships. [13:48] - The challenges and solutions in building strategic partnerships. [16:28] - The five criteria for evaluating potential strategic partnerships. [20:30] - The meaning of 'next' in Brett's “The Referral Code” presentation. [22:08] - An overview of Invesco's Practice Innovation Index. [24:09] - What Invesco's Total CX is all about. [25:05] - How AI impacts the financial markets. [26:38] - The people Brett is thankful for professionally. [28:05] - Brett's recommendations for content. Quotes [07:54] - "One good COI (center of influence) doesn't make your year. It makes your career." - Brett Van Bortel [11:02] - "You don't have to network with a huge number of people to be successful." ~ Brett Van Bortel [26:14] - "The ability of the advisor to demonstrate that level of care really can't be matched by AI as we know it today." - Brett Van Bortel Links Brett Van Bortel on LinkedIn Invesco I Won't Back Down by Tom Petty The Referral Code presentation The Referral Code file Practice Innovation Index Paul Brunswick Paper Money Connect with Us Meet Rusty Vanneman, Orion's Chief Investment Officer Check Out All of Orion's Podcasts Power Your Growth with Orion 3177-OPS-11/27/2023
For worldwide online contest programming with Adam, Ashley or the Elite Coaches please visit www.teamelitephysique.com Sign up for emails direct from Coach Adam for more tips, tricks, seminars and other happenings with Adam, Ashley and Team Elite Physique. https://teamelitephysique.us20.list-manage.com/subscribe?u=1cf84f806714bb284a1165b44&id=2a74ea95cd 10% off Muscle Egg www.muscleegg.com/teamelitephysique Waisted Waist Trainers available here www.teamelitephysique.com/shop Fat Burner (Thermo 4orce) used by Team Elite Physique www.teamelitephysique.com/shop
Catherine Roy shares her remarkable journey in podcasting. She reveals her secret sauce for attracting A-list podcast guests, emphasizing the importance of authenticity and genuine relationships. Catherine also spills the beans on her "A-List Method" of networking through LinkedIn. She offers advice on overcoming imposter syndrome and highlights the power of building real connections. Additionally, she discusses the importance of establishing a strong personal brand. If you're a podcaster looking to attract high-profile guests, this episode is a must-listen. Get ready to take your podcast to the next level with Catherine's guidance. The art of creating a compelling pitch, and her rule of 5 gifts Catherine's A-List Method (Hint - using LinkedIn, and finding ‘super connectors) How to overcome imposter syndrome and gain confidence to invite high calibre guests The importance of personal branding that makes it easier for people to find and connect with you How Catherine landed a nobel prize winner, and athletes to her podcast 00:00:00 - Intro 00:00:44 - The process of starting a podcast 00:02:12 - The benefits of building relationships through podcasting 00:10:31 - Overcoming imposter syndrome and building resilience 00:13:23 - Pitching oneself as a guest 00:16:06 - Criteria for selecting guests 00:27:19 - Surprising Opportunities from Podcasting 00:29:40 - The Power of Personal Branding Head to https://LeverageYourPodcastShow.com to read the blog >>>Start creating consistent authority-boosting content with less overwhelm using this 4 step system. Get the Podcast Leverage System Training at https://www.leverageyourpodcast.com/free
Follow Mike & Shawn on Instagram! Shawn: @shawn_dimartile Mike: @miketighe_ Today's guest is Jonathan Greene. Jonathan is a real estate professional with over 45 years of experience in the field. These days, he runs a large on-market team and manages a podcast. He is a self-coined Real Estate Thought Leader and specializes in on-market/off-market acquisitions. Here's what you'll get out of the episode: Jonathan gives us his insights on what he views as the biggest opportunities in the next 2 - 3 years His biggest tip for “house hacking” How Mainstreet investing will look in the future The asset classes Jonathan shies away from the most What he looks for in a sponsor when investing and his best advice in choosing one What are the red flags he looks for when looking at a deal His biggest advice for resources to get into investing Connect with Jonathan: Instagram: @trustgreene TikTok: @trustgreene Youtube: @JonathanGreeneRE Zen and The Art of Real Estate Investing Podcast Learn more about Mike and Shawn: Shawn: www.investorshawn.com Mike: www.investormike.com
This is November 19th's sermon by Jason Cherry on three patterns the crucifixion established for the Christian life. Jason Cherry is an elder at Trinity Reformed Church, as well as a teacher and lecturer of literature, American history, and economics at Providence Classical School in Huntsville, Alabama. He graduated from Reformed Theological Seminary with an MA in Religion and is the author of the book The Culture of Conversionism and the History of the Altar Call, now available on Amazon. He is husband to Traci, who is proficient at blessing others, and father to Anily and Gaby, who are gifted in the art of laughter. Trinity Reformed Church is a CREC mission church in Huntsville, AL. seeking to extend and unite the Kingdom in the Huntsville area. Check out our website, Facebook or YouTube!
Was wondering how to recognize a difference between having personal criteria for certain things and conditioning? Is this the same thing and conditioning got a bad reputation in these conversations, always being seen as a partybreaker?Example: My criteria for an intimate relationship is with a person who can commit to a monogamous relationship. I don't see a point to inquire anything about that. Tosearch for gifts in this.
It's sometimes hard to know what advice online (and offline) is credible or not, and seeing someone who is a 'Dr', 'nutritionist' or even 'dietitian' might make us assume they are a trustworthy source... but that's not always the case. Dr Idrees Mughal MBBS, MRes, DipIBLM (@Dr_Idz on socials) is joining me today to demystify the cloud of confusion around who you should trust.We explore the key red flags to look out for (and some green flags to keep in mind!) when you're looking to follow content creators' advice about health/wellness. Dr. Idz also shares the challenges of providing personalized nutritional advice in the healthcare system and why there are so many limitations placed on providing patients with tailored advice.Hit play to learn which health/wellness influencers are full of red flags vs full of solid logic and advice.
New Orleans Saints and LSU insider Mike Detillier joins the show on the Farm Bureau guest line talking about the biggest games in rivalry week live in the BankPlus Studio. Bo asks Mike about the Missouri vs Arkansas game and if there is a possible Razorback upset in the future. Mike talks about LSU taking on Texas A&M and Mike wonders if the Aggies will have their head in the game without their head coach. Mike thinks Mississippi State should hire a head coach that has proven themselves as the top of a program. Out of Bounds is sponsored by BetterHelp. Visit BetterHelp.com/BOUNDS today to get 10% off your first month Learn more about your ad choices. Visit megaphone.fm/adchoices
Source: https://www.mylittlesalesman.com/news/commercial-truck-financing-guide Get commercial quotes in as little as 24 hours from Lenco Capital: https://www.lencocapital.com/for-buyers Introduction: Overview of commercial truck financing as a viable solution for businesses and owner-operator truck drivers. The guide covers the entire financing process, focusing on semi trucks, dump trucks, tow trucks, and other commercial vehicles. Key Topics Discussed: Understanding Commercial Truck Financing: Explanation of commercial truck financing as an alternative to paying upfront cash for commercial vehicles. Breakdown of the three main components affecting monthly truck payments: down payment, interest rate, and loan terms. Down Payment Options and Benefits: Insights into how financing companies determine down payment options. Discussion on the benefits of higher vs. lower down payments and what constitutes an ideal down payment amount. Example using semi truck financing rates to illustrate the impact of different down payment options. Interest Rates and Loan Terms: Detailed explanation of how loan terms affect monthly payments and total interest paid. Example comparing 3-year and 5-year loan terms for a semi truck, highlighting the trade-offs between monthly payments and total interest costs. Criteria for Commercial Truck Financing: Factors considered by financing companies, including the age and condition of the truck, and its total appraised value. Importance of the borrower's business history, revenue, credit, insurance, and cash reserves. Methods to verify a trucking business for financing purposes. Financing for Different Credit Situations: Options for obtaining commercial truck financing with bad credit or no credit. Strategies like in-house financing, higher down payments, and using collateral. Discussion on the risks and benefits of obtaining a co-signer for financing. Owner-Operator Financing Rates vs. Business Financing Rates: Differences in financing terms for owner-operators compared to larger businesses. Scenarios where owner-operators can secure favorable financing agreements. Specific Vehicle Financing (Dump Trucks, Tow Trucks): Financing considerations for different types of trucks, including examples of financing terms based on credit scores and business age. Comparison Between Banks and Truck Financing Companies: The hesitation of many banks to offer semi truck financing and the reasons behind it. Advantages of working with specialized truck financing companies, including faster approval processes, lower down payments, and reduced collateral requirements. --- Send in a voice message: https://podcasters.spotify.com/pod/show/buying-bigger-better/message
Dagoberto Molina, Urólogo, miembro del Colegio Nacional Mexicano de Urología ¡nos responde todo! Mundialmente de 5 % a 10 % de las hospitalizaciones son por casos por infección y de estas, 40 % son infecciones urinarias, según datos del Surveillance Definition of Healthcare Associated Infection and Criteria for Specific Types of Infections in the Acute Care Setting.
College students who complete their classes and meet their course requirements get rewarded with a degree. In this message, Dr. Tony Evans will take a look at the benchmarks God uses for believers as they graduate to heaven. To support this ministry financially, visit: https://www.oneplace.com/donate/222/29
Understanding Sgarbossa's Criteria is important for paramedic students, similar to knowing that a defibrillator is not just a high-tech paperweight. These criteria are a set of electrocardiographic findings designed to sniff out myocardial infarction (MI) in the presence of a tricky accomplice—left bundle branch block (LBBB) or a paced rhythm. Understanding this, you can navigate through the confusion of LBBB, where AMIs might be playing an expert game of hide and seek. Applying the criteria allows for the early identification of ST-elevation MI, potentially saving precious heart muscle and, more importantly, the patient's life—making the difference between a good day and a "why did I get out of bed" day. In the world of emergency medicine, where 'time is muscle,' knowing Sgarbossa's Criteria ensures that paramedics don't just bring patients to the hospital faster but smarter, with a keener eye for those not-so-obvious cardiac events. This knowledge can turn a paramedic from a simple transporter to a life-saving detective, one ECG at a time. Don't forget that we need your help as to what you would like to see in future episodes. Visit the Ten Minute Medic Facebook page and leave your suggestions. If selected, we'll give you a shout out and send you a small gift as our appreciation.
This lecture discusses key ideas from the 20th Century American feminist philosopher Rosemarie Tong's article "Gilligan's Ethics Of Care" It focuses specifically on the criteria Tong outlines as requirements for Care to be rightly and fully acted upon, and something good for the person caring as well as the person cared for. To support my ongoing work, go to my Patreon site - www.patreon.com/sadler If you'd like to make a direct contribution, you can do so here - www.paypal.me/ReasonIO - or at BuyMeACoffee - www.buymeacoffee.com/A4quYdWoM You can find over 2000 philosophy videos in my main YouTube channel - www.youtube.com/user/gbisadler You can get a copy of Feminine and Feminist Ethics, in which this article can be found, here - https://amzn.to/49yFQVK
International listeners can support TBT here: https://buy.stripe.com/6oEaFEdAXbGe69W6ou Umar Khan is the Country Manager of Pakistan & Afghanistan at Visa and Iman Urooj is the Chief Operating Officer at Safepay. Visa's She's Next: https://pk.visamiddleeast.com/run-your-business/she-is-next-campaign.html #thoughtbehindthings #muzamilhasan #visa #hbl #fintech #womenentrepreneurs #digitalpayments International listeners can support TBT here: https://buy.stripe.com/6oEaFEdAXbGe69W6ou Umar Khan is the Country Manager of Pakistan & Afghanistan at Visa and Iman Urooj is the Chief Operating Officer at Safepay. Visa's She's Next: https://pk.visamiddleeast.com/run-your-business/she-is-next-campaign.html #thoughtbehindthings #muzamilhasan #visa #hbl #fintech #womenentrepreneurs #digitalpayments Check out the trainings from Sarmaaya Financials: Training List: https://sarmaaya.pk/trainings/?src=tbt Technical Training Masterclass 2.0: https://sarmaaya.pk/trainings/details?tid=1&src=tbt Fundamentals of Capital Market: https://sarmaaya.pk/trainings/details?tid=2&src=tbt 00:00 Introduction 02:03 From Cash to Contactless: Formalization of Payments 05:01 Umar's Early Life & Education 08:23 Guiding, Not Dictating: Allowing Kids to Decide 11:43 Career Progression & Experience: Easypaisa, Jazz & Visa 14:50 Inside Visa: Company's Role in Financial Transactions 17:04 Iman's Journey 20:26 About Safepay 20:37 Why are they in Pakistan? 21:49 Early Stage Markets vs. Pakistan 25:53 Future of Digital Payments in Pakistan 29:34 Women's Financial Inclusion 32:05 Navigating Numbers: Women Entrepreneurs in Focus 36:05 Initiatives & Work Being Done 38:36 Evolution of Digital Payments 44:25 Updates on Raast 46:00 She's Next: Shining a Spotlight on Women Entrepreneurs 47:04 Experience Running it in Pakistan 49:44 Women Leadership 51:45 Criteria and How To Apply? 55:26 Global Insights & Collaboration with HBL 56:42 Men's Role in Empowering Women Leaders 01:02:20 Women's Role in the Economy 1:04:52 Safepay Insights 1:07:35 Wallet Payments 1:09:09 Their License & Stage 1:10:51 Visa Projects in Pakistan 1:14:24 Tap to Phone: Challenges & Potential 1:17:37 What's next for Visa? 1:20:07 Safepay's Future Outlook 1:21:23 Pakistan of 2050 Do not forget to subscribe and press the bell icon to catch on to some amazing conversations coming your way! Socials: TBT's Official Instagram: https://www.instagram.com/thoughtbehindthings Muzamil's Official Instagram: https://www.instagram.com/muzamilhasan Support our podcast: https://anchor.fm/syed-muzamil-hasan-zaidi3/support Iman's LinkedIn: https://www.linkedin.com/in/imanurooj/?originalSubdomain=pk Umar's LinkedIn: https://www.linkedin.com/in/umarshahbazkhan/?originalSubdomain=pk Podcast Links: • Spotify: https://spoti.fi/3z1cE7F • Google Podcast: https://bit.ly/2S84VEd • Apple Podcast: https://apple.co/3cgIkfI --- Support this podcast: https://podcasters.spotify.com/pod/show/syed-muzamil-hasan-zaidi3/support
Award-winning researcher, Dr. Doruk Erkan joins us today with newly published classification criteria for Antiphospholipid Syndrome (APS). Dr. Erkan joins us today with those criteria and why he believes there is sufficient evidence to “Rethink APS”.
Today hosts Braden Cheek, Brian Duck and Joel Thompson discuss a commercial real estate tax secret that could save you tons of money! Time Stamps: 0:00 - Introduction to the episode 1:22 - Closing deals in Henderson, Nevada, and touring properties in Las Vegas 2:25 - Site tour in Jacksonville, Florida, and excitement about a new deal 3:30 - Teaser about the main topic: taxes in real estate investing 4:35 - Introduction to the concept of being a real estate tax professional 8:52 - Criteria for qualifying as a real estate professional: More than 50% rule and the 750-hour requirement 11:02 - IRS stipulations on qualifying activities for real estate professionals 12:06 - Discussion about the single taxpayer requirement and the exception for married couples 14:19 - Mention of IRS requirements for documentation and the importance of justifying real estate professional status 15:30 - Recap of the benefits and savings for those who qualify as real estate professionals 17:54 - Clarification that being a real estate professional doesn't grant additional write-offs but enhances the use of existing real estate investments 19:00 - Final thoughts on the significance of being a real estate professional for tax purposes *Be Sure to check us out on Spotify and Apple Podcasts for the Audio version of today's episode!** https://open.spotify.com/show/08KmNvqGV5HjmHUC8fLuce https://podcasts.apple.com/us/podcast/how-to-invest-in-commercial-real-estate/id1543470290 Leave a review and win FREE MERCH! https://podcasts.apple.com/us/podcast/how-to-invest-in-commercial-real-estate/id1543470290 Links mentioned in this episode: www.TheCriterionFund.com www.HowToInvestInCRE.TV Invest.HowToInvestInCRE.com To sign up for our exclusive investor list, click below. https://www.thecriterionfund.com/join-our-investor-list
Today, I'm talking with Oliver Graf, a real estate expert and entrepreneur who has built and scaled multiple businesses throughout his career. Most notably, he co-founded Big Block Realty – an 8x Inc. 500 company with 1,000+ agents nationwide. The company was named the fastest growing real estate brokerage and listed in the Top 50 on the Inc 500 list of fastest growing private companies in America 3 years in a row. So, what made them different? Well, they didn't act like every other brokerage on the block. Instead of following the pack and focusing solely on the buyer/seller side of the transaction, Big Block put real estate agents first, empowering them with everything they needed to succeed – including top notch education, technology-driven systems, and 100% commissions. In this episode, we dig into how an agent-centric approach to real estate brokerage allowed Big Block Realty to scale faster than the competition, tips for incentivizing your team, growth strategies, and more! Key Takeaways with Oliver Graf Big Block Realty's unique approach to real estate brokerage Tactics for incentivizing staff and engaging your team Growing deep VS growing wide A scorecard for making hard decisions easier Criteria for deciding when to quit something Finding value in how you respond to problems Subscribe to the Podcast We hope you enjoy this episode and that you find some golden nuggets within this interview. Trust us, it's there! If you want episodes delivered straight to your inbox, consider subscribing to the show and we'll email you each time a new episode is released! Thanks for tuning it & keep being awesome. BAM!
Episode 153 – Jewish Books, Jewish Authors In a special two-part episode, Lynne Golodner interviews people who curate and promote Jewish books and Jewish authors. The first part features representatives from America's longest-running Jewish Book Fair -- Lauren Johnson, a librarian and consultant at the J-Detroit, and Brenda Brook, the 2023 chair of the Detroit Jewish Book Fair. The second part is a conversation with Naomi Firestone-Teeter, executive director of the Jewish Book Council. Learn why Detroit is a hub for Jewish literature, and consider the role of Jewish books in shaping identity of and for diverse audiences. In the latest episode of the Make Meaning Podcast, host Lynne Golodner interviews Brenda, Lauren, and Naomi about the legacy of Jewish book fairs and trends in the Jewish book world, including an increase in Holocaust-related writings and the growth of children's publishing. They also touch on the responsibility of Jewish authors in representing the community and how virtual events are attracting a global audience. In this episode, Lynne, Lauren, Brenda and Naomi discuss: The long history of the Detroit Jewish Book Fair Being the "People of the Book" Gentile authors writing for a Jewish audience Criteria for selecting books for the book fair Communicating Jewish identity to global audiences Jewish book fairs compared to other book events The importance of featuring authors who are not bestsellers The value of community engagement Growth and diversity in Jewish children's literature Personal journeys and passions for Jewish culture Changing conversations in the Jewish book world Trends in graphic narratives and genre fiction Intergenerational growth in the Jewish genre Fascination with the Orthodox community in Jewish literature Jewish books inspire conversations about identity and culture How books reflect the multifaceted Jewish experience and promote diversity Portraying Jews responsibly Jewish Book Month Accessibility and opportunities for smaller communities The JBC's writers' conference Links and Resources: Detroit Jewish Book Fair Woman of Valor The Holocaust Martha Ann Toll (who will be on the Make Meaning Podcast Dec. 1, 2023) Lynne's Writing Classes Jewish Book Week PJ Library Jewish Publication Society The Paper Brigade JBC Network Global Jewish Literary Alliance JBC writers conference Irwin Shaw Maimonides Torah Elie Wiesel Jim Lehrer Peter Max Jeffrey Toobin Chaim Potok Jennifer Weiner Belva Plain Daniel Silva Pam Jenoff Karen Tintori Katz Jill Gregory Donald Levin Kristin Harmel Fanny Goldstein If you enjoyed this episode, you'll like these other Make Meaning Podcast episodes: Episode 148 – Woman of Valor – Katie Scott interviews Lynne about her debut novel Episode 146 – Barbara Stark-Nemon – Tracing the Path of Historical Fiction Episode 130 – Merle Saferstein – Journaling & Legacy Episode 123 – Karen Gordon – On Surviving the Surviving Episode 39 – Rabbis Who Rock
Dr. David Greer discusses his paper, "Pediatric and Adult Brain Death/Death by Neurologic Criteria Consensus Guideline". Show references: https://n.neurology.org/content/early/2023/09/13/WNL.0000000000207740
An Unexpected Journey Through The Past & Future Of Supplements With Lucas Of Boost Your BiologyThis month on In Search of Insight, we welcome Lucas Aoun from Boost Your Biology and embark on an unexpected, stimulating journey through the past and future of supplements.Learn More About Lucas Aoun of Boost Your Biology https://www.youtube.com/@UC4O8s5Eir3A0ULQ-0HOJr8Q https://www.youtube.com/@UCG-Da6bw7vNJ4oEkhs-D_KQMeet Lucas and learn about his background as a biohacker, Naturopath, and supplement enthusiast. In this episode, Emiel, Lucas, and Erika share the beginnings of their journeys with supplements. They discuss what products they've loved and hated, new frontiers in the supplement world, and why quality and safety are the most essential elements in supplementation.Podcast Chapters0:00 Introduction1:15 Beta Testing Unreleased Cistanche Stack + Tribugen5:00 Meet Lucas Aoun6:45 Extraction Technique for Cognance - Producing a Non-Drowsy Bacopa Extract 14:00 Glycosides in Botanicals17:21 Extraction Techniques of Cognance, Erinamax21:47 Lucas' Journey in Nootropics Begins23:28 Acetyl L-Carnitine, an Early Adopted Nootropic26:33 Emiel's Journey in Nootropics Begins28:41 Bioassaying Tribugen31:59 Pre-Workout Formulations34:15 Ginkgo Biloba38:31 Clinical Trials vs. Empirical Evidence39:49 Approaches to Research42:18 Asking Questions, Asking the Right Questions46:18 How Reddit Inspired Nootropics Depot 49:08 Benefits of Community Bioassaying51:41 Staying Close to the Source When Researching56:19 When Research Studies Can't be Verified59:02 The Origins of Acetylcholinesterase inhibitors1:01:25 Plant Defence Systems1:04:38 Beta Ecdysterone1:06:39 Being Critical of Research1:09:34 Erika's Journey with Nootropics Begins1:14:34 Safety Concerns of Fadogia Agrestis1:17:21 Fadogia Agrestis Toxicology1:20:45 The Future of Nootropic Supplements from Africa1:21:20 Kanna and its Traditional Uses1:38:00 Naturopathy and Nootropics1:40:00 Criteria for Nootropics - Gurgia1:47:40 How Traditional Chinese Medicine Informs Modern Nootropics1:51:00 Shizandra Chinensis1:52:20 Eria Jarensis1:54:40 Dynamine2:02:16 The Benefits of Progesterone2:08:25 Enhancing Insulin Sensitivity2:09:20 Conclusion
Join us on the She Renovates podcast as we delve into the world of property makeovers with Jo Vadillo, our sponsor and important Brains Trust member. Jo, the professional property buyer, guides us from first-time purchasers to experienced investors, assisting you in outsourcing the brains and knowledge required to buy property. Learn the ins and outs of the seller's advocate service, an essential but frequently overlooked step, and how to negotiate the real estate market. In addition, learn about Jo's latest work in Sydney and Brisbane. Don't miss this episode, which is packed with expert guidance and practical recommendations for your real estate journey! “Seller's advocacy is, a service that we provide and we, seek out the right agent to sell your property through. And, it could be that, you're time poor, you don't want to interview agents, but you do want to know how successful they are, what their rating is, how many properties have they sold, what was their marketing expense. We do fine tune that for our clients and we do interview like the top three to five agents in a particular area. So if you're based in Sydney, but you're selling an investment property, in Adelaide, you may not be on the ground and you don't know what to look out for we provide that service as well." -Jo Vadillo EPISODE HIGHLIGHTS: 00:00 Introduction 02:01 Professional Property Buyer 03:09 Seller's Advocacy 05:25 Referral Fees from Agents 07:40 Challenges with Vendors 09:05 Importance of Honest Feedback 10:49 Criteria for Property Selection 12:28 Budget & Skill Set Assessment 13:13 Balancing Realism in Renovation 14:27 Two-in-One Property Purchase 16:21 Evaluating Renovation Budget 17:07 Jo's Ongoing Projects 19:28 Attention to Detail in Project Completion Resources Advocate Property Services https://advocateservices.com.au/about-us/jo-vadillo/ Property Women https://propertywomen.com.au/ Real Estate https://www.realestate.com.au/ The School Of Renovating https://www.theschoolofrenovating.com She Renovates Podcast https://www.theschoolofrenovating.com/podcasts-page/ Connect with The School of Renovating ASK BERNADETTE https://www.theschoolofrenovating.com/podcasts-page Subscribe to She Renovates Apple Podcast https://apple.co/3faoWlT Subscribe to Youtube: https://www.youtube.com/c/TheSchoolOfRenovating Follow on Twitter https://twitter.com/renovatingsc Follow on Instagram https://www.instagram.com/the_school_of_renovating
Developed between the American Academy of Neurology, the American Academy of Pediatrics, the Child Neurology Society, and the Society of Critical Care Medicine, and endorsed by the Neurocritical Care Society, this new guideline provides recommendations on the evaluation of brain death/death by neurologic criteria for both children and adults. In this episode of HOT TOPICS, Dr Alex Reynolds is joined by two of the guideline's co-authors Dr Ariene Lewis and Dr Matthew Kirschen to introduce the purpose and recommendations of the Consensus Guideline. Access the guideline at https://n.neurology.org/content/early/2023/09/13/WNL.0000000000207740. Read the AAN's press release at https://www.aan.com/PressRoom/Home/PressRelease/5119.
This episode is part of our Capital Series hosted by Jason Jacobs. This series explores a diverse range of capital sources and the individuals who drive them. From family offices and institutional LPs to private equity, government funding, and more, we take a deep dive into the world of capital and its critical role in driving innovation and progress. On today's MCJ Capital Series, we have two guests: Mark Berryman, Managing Director of Impact Investments, and Nick Flores, Managing Director of Impact Investing and Client Advisor for Caprock. Caprock is a multifamily office that provides customized, comprehensive and strategic financial solutions for a select number of families and foundations. They advise over $8 billion in assets of which over $2 billion has been allocated to impact investments. Caprock is a founding B corporation, which certifies that they meet the highest standards of verified social and environmental performance, public transparency and legal accountability to balance profit and purpose. In this episode, we cover: [2:05] An overview of Caprock[3:07] The roles and collaboration between the client advisory and investment research teams at Caprock[5:38] Caprock's approach to impact, due diligence and monitoring[8:48] The firm's emphasis on privates[18:21] Client demand for deeper and more niche impact investment opportunities[25:19] How Caprock thinks about return profiles[30:51] Criteria for manager and fund selection[34:13] Tracking specialists vs generalists[38:23] Nick and Mark's concerns and what excites them in the climate space[41:35] Caprock's interest in deep tech[45:00] Thoughts on first of its kind (FOAK)[47:31] Evolution of LP base and barriers holding it back[51:31] Continuous learning and knowledge sharing as a key aspect of Caprock's approach to impact investingResources mentioned: Caprock's Impact Investment Case StudyCorrection: In this episode, Jason mistakenly refers to Caprock as having over $8 billion in assets under management. Caprock advises over $8 billion in assets. Get connected: Jason Jacobs X / LinkedInMark Berryman LinkedInNick Flores LinkedInMCJ Podcast / Collective*You can also reach us via email at email@example.com, where we encourage you to share your feedback on episodes and suggestions for future topics or guests.Episode recorded on Oct 12, 2023 (Published on Nov 1, 2023)
Navigating the myriad of technology choices can be daunting for any organization. With so many factors to weigh, what stands out as the key criteria? We delve into this crucial question in the latest episode of the Digital Stratosphere Podcast. ————————————————————— DOWNLOAD MORE RESOURCES BELOW: —————————————————————— 2024 DIGITAL TRANSFORMATION REPORT: https://resource.thirdstage-consulting.com/2024digitalentopreport REGISTER FOR THE DIGITAL STRATOSPHERE CONFERENCE: https://stratosphere2023.com/ BUY MY NEW BOOK "THE FINAL COUNTDOWN": https://www.amazon.com/dp/B0CFQ44XRS?ref_=cm_sw_r_cp_ud_dp_08YCHTR0NRD4F42NDPG1 SOFTWARE BUYER'S GUIDE: https://resource.thirdstage-consulting.com/softwarebuyersguide SUPPLY CHAIN MANAGEMENT PLAYBOOK: https://www.thirdstage-consulting.com/reports/mastering-the-chain-a-comprehensive-guide-to-supply-chain-management/ DIGITAL STRATEGY FRAMEWORK: https://resource.thirdstage-consulting.com/digitalstrategyframework GUIDE TO ORGANIZATIONAL CHANGE MANAGEMENT: https://resource.thirdstage-consulting.com/the-definitive-guide-to-erp-hcm-organizational-change-management 20 LESSONS FROM 1,000 DIGITAL TRANSFORMATIONS: https://www.thirdstage-consulting.com/reports/ebook-20-lessons-from-1000-erp-implementations/ ———————————————————— CONNECT WITH US: ———————————————————— * YOUTUBE: https://www.youtube.com/@thirdstageconsultinggroup8228 * LINKEDIN: https://www.linkedin.com/company/third-stage-consulting-group * INSTAGRAM: https://www.instagram.com/thirdstageconsultinggroup/ * TIKTOK: https://www.tiktok.com/@thirdstageconsulting * TWITTER: https://twitter.com/ThirdStageERP CONTACT US TO BRAINSTORM IDEAS FOR YOUR DIGITAL TRANSFORMATION: firstname.lastname@example.org
Developed between the American Academy of Neurology, the American Academy of Pediatrics, the Child Neurology Society, and the Society of Critical Care Medicine, and endorsed by the Neurocritical Care Society, this new guideline provides recommendations on the evaluation of brain death/death by neurologic criteria for both children and adults. In this episode of HOT TOPICS, Dr Alex Reynolds is joined by two of the guideline's co-authors Dr Ariene Lewis and Dr Matthew Kirschen to introduce the purpose and recommendations of the Consensus Guideline. Access the guideline at https://n.neurology.org/content/early/2023/09/13/WNL.0000000000207740. Read the AAN's press release at https://www.aan.com/PressRoom/Home/PressRelease/5119.
as two wellness girlies, we know what the judges are looking for so buckle up as we give you run down on what you need to bring on stage to win!••••••••••••••••••••••••••••shop the know your power collectionlisten + watch on✦ YouTube ✦ Apple Podcast ✦ Google Podcastcoaching✦ 1 on 1 Coaching✦ KYP Retreat Waitlistsponsors✦ 1st Phorm ✦ Free shipping with link✦ Mega Fit Mealsconnect with us✦ KnowYourPowerPodcast@gmail.com✦ Podcast Instagram✦ Julia's Instagram✦ Kendall's Instagram✦ Julia's Personal YouTube
In this episode of the Family Office Services Podcast Series, Choate Investment Advisors' Erin Kerr and Alison Svizzero discuss how environmental, social, and governance (ESG) criteria are used by investors in evaluating companies, in addition to traditional fundamental analysis, to determine long-term performance.
Don D and Bigg Doom are back with another one! This time they're joined by BellzShotEm. We Start With His Start With Videography, The Criteria for A Shoot, Having Creative Vision, Respect Over Checks. Then, We Move On To The Hardest Out of Chicago, Drill Music, Famous Through Association, For the Love of Bigg. We Wrap Up Talking About Strip Club, Rapper Boxing Matches, Our Last Fights, Drake vs Joe Budden and More! --- Support this podcast: https://podcasters.spotify.com/pod/show/earhustlin404/support
Remember the popular internet series VERZUZ? During the pandemic, the VERZUZ series became very popular. The event would pit one artist versus another artist. Each artist would play/perform their catalog in competition versus another artist. Well…what happens when you take one artist and have a competition between two albums that they created? We decided to launch a versus series of our own on The 12Kyle Podcast. The 3rd podcast episode of the series is from Prince. Which is the better album from Prince? Purple Rain or Sign o' the Times? On this episode, Britt stops by and we debate the albums based on the CRITERIA that we established. Tune in! AUDIO https://linktr.ee/12kyle YOUTUBE https://youtu.be/1LSNvzh8-PU
Follow Mike & Shawn on Instagram! Shawn: @shawn_dimartile Mike: @miketighe_ Today's guest is Charels Carillo. Charles in a multifamily syndicator based in Florida. Here's what you'll get out of the episode: What Charle's buy criteria is and what he considers a good location Charles gives his insight and experience into what's going on with insurance companies pulling out of Florida, and how this has impacted the real estate business, as well as Florida's unique regulations for roof replacements Shawn explains why our target properties has shifted from C cass assets to A and B properties Charles reveals how little savings working class tenants have in 2023 and why this is a risk for owners of those properties Connect with Charles: www.harborsidepartners.com Learn more about Mike and Shawn: Shawn: www.investorshawn.com Mike: www.investormike.com
In this episode of the Millionaire Mindcast, our guest is an incredible woman, Sophie Howard who shares a rare success story on making herself a millionaire in buying online businesses with little to no money, as well as provides tips on business model that generates good profits, assessing what is a good deal, and the importance of having a quality team in online business! Sophie Howard is a mother of two young children, entrepreneur, author of 11 books and has recently published the Freedom Navigator, and owner of the Aspiring Entrepreneurs, an online community designed to help aspiring entrepreneurs build a business and a life that serves them. Also, she is a speaker who provides powerful advice on starting and growing a successful online business. She has been working online for 10 years now. In 2023, she started her online business with an Amazon business which she sold for over $1 million USD in 2015. She has been completely digital starting COVID. Sophie launched over 1000 educational programs teaching thousands of students how to sell online. She wanted to have a better lifestyle and financial freedom while raising her children. Some Questions I Ask: For those that don't know who you are and what you do, I'd love you to share a little bit about your journey? What are some of the starting gates and disciplines introduced to somebody to at least get one foot in the arena of buying online business? How ChatGPT is factored into that SEO and content curation over the last six months? What does that look like for you to avoid some of the mistakes that you made earlier on when buying online businesses? How do you structure the purchase? What are some of the routines and rhythms, and discipline that you do in consistent being on this path? How much does somebody need to start this online business? What is it that is striving you on your financial freedom goals? In this Episode, You Will Learn: Why buying an online business is really a good strategy. Criteria & steps on buying an online business. What are some good online business model. The biggest skills on managing an online business. Resources Mentioned: empireflippers.com Quotes: “You chose your own world and that is such a luxury.” “Even if it starts really small, there's nothing like your own freedom.” Connect with Sophie Howard on: aspiringentrepreneurs.com Freedom Navigator book Sponsor Links: HelloFresh: Visit https://hellofresh.com/50mindcast or Use the code 50MINDCAST to get 50% off plus free shipping! Caldera Lab: Visit https://calderalab.com/MINDCAST or use the code MINDCAST to get 20% off! Accredited Investor List - Text "DEALS" to 844.447.1555 Free Financial Audit: Text "XRAY" to 844.447.1555 Upcoming Events: Text "Events" to 844.447.1555 Millionaire Notes: Text "Notes" to 844.447.1555 Connect with Matty A. and Text me to 844.447.1555
In this episode of the Celebrate Kids podcast, Dr. Kathy explores the question of why we choose to bring children into our lives. The discussion is prompted by a report that suggests adults should consider the happiness and fulfillment that children can bring. Dr. Kathy delves into the challenges and rewards of parenting and having kids in our lives.
Episode #280. Ever wondered how the simple act of timing – when you eat, sleep, or even look at your phone – could dramatically affect your health? In this episode, I sit down with circadian biology expert Dr Satchin Panda to explore this concept. We delve into the science of our body's internal clocks and offer practical advice to keep them in sync. Don't miss out on unlocking the potential of your circadian rhythm for a healthier, more balanced life. We discuss: Introduction (0:00) Understanding Circadian Rhythms: Do They Influence Longevity? (1:55) The Role of the Suprachiasmatic Nucleus (SCN) in Circadian Rhythms (6:20) Cellular-Level Circadian Clocks: An Overview (10:33) A Comprehensive Look at Circadian Disruption (15:56) Effective Strategies for Managing Jet Lag (26:39) The Impact of Blue Light on Circadian Rhythms (29:17) Criteria for Diagnosing Circadian Rhythm Disorders (33:42) Sensitivity Factors of Circadian Rhythms (34:58) The Significance of Meal Timing in Circadian Rhythms (39:30) Circadian Rhythms: Their Relation to Cholesterol and Blood Pressure (43:41) Exploring the Link Between Circadian Disruption, DNA Damage, and Cancer Risk (46:49) Circadian Disruption and Its Role in Chronic Disease Risk (49:34) Time-Restricted Eating and Metabolic Health (55:22) Outro (1:06:09) To connect with Dr Satchin Panda, you can find him on Twitter and read his peer-reviewed papers on his profile. To learn more about circadian biology, his books, The Circadian Code and The Circadian Diabetes Code, are an incredible resource. You can also better understand your circadian rhythm while contributing to research with Dr Panda's app, myCircadianClock. Optimise your health with InsideTracker's biomarker analysis. Get exclusive access to InsideTracker's new ApoB test, and a significant discount at insidetracker.com/simon. Enjoy, friends. Simon Want to support the show? The best way to support the show is to use the products and services offered by our sponsors. To check them out, and enjoy great savings, visit theproof.com/friends. You can also show your support by leaving a review on the Apple Podcast app and/or sharing your favourite episodes with your friends and family. Simon Hill, MSc, BSc (Hons) Creator of theproof.com and host of The Proof with Simon Hill Author of The Proof is in the Plants Watch the episodes on YouTube or listen on Apple/Spotify Connect with me on Instagram, Twitter, and Facebook Nourish your gut with my Plant-Based Ferments Guide Download my complimentary Two-Week Meal Plan and high protein Plant Performance recipe book
With skyrocketing property insurance costs, more homeowners are skipping insurance altogether. That proportion is estimated at 12% per the WSJ. Single-family rents are up 6.5% annually. Next, we discuss what might be America's best cash flowing real estate market. Home prices are up this year for four main reasons: large Millennial demand, scarce supply, mostly healthy economy, interest rate levels that are actually normal. As we discuss one of America's best cash flowing markets, it's in a state that has strong legal protections for landlords. The cost of living there is 17% below the national average. Unemployment is 2%, according to the provider. Single-family rents are $1,200 to $1,500; prices are $115,000 to $140,000. You can own a freshly renovated property, complete with granite countertops. Average tenant duration is 3-4 years. With higher interest rates, more buyers in this market are paying all-cash or making a larger down payment. Contact your GRE Investment Coach, a free service, if you consider purchasing property in this investor-advantaged market. Timestamps: National home prices and insurance costs [00:00:01] Discussion on the increase in national home prices and the impact of rising insurance costs on homeowners. Rise in single-family rent growth [00:04:04] Exploration of the increase in single-family rent growth and its implications for the rental housing market. America's best cash flow real estate market [00:07:54] Introduction to an area with low property prices and potential for cash flow, including its job growth and investor advantages. The lost luggage incident [00:11:27] Keith shares his memory of his luggage arriving late during a trip to Little Rock and going for a run in street shoes. Little Rock's recognition as a top place for young professionals [00:13:15] Forbes Advisor ranks Little Rock, North Little Rock, and Conway as top ten places for young professionals to live, highlighting employment opportunities and affordability. Growth and economic drivers in central Arkansas [00:15:20] Discussion on population growth, job creation, and economic drivers in central Arkansas, including the presence of distribution hubs, major retailers, tech companies, and government and medical sectors. The demand for single family rentals [00:20:40] The speaker discusses the shift in multifamily housing, the increase in demand for single family rentals, and the lack of new construction in this sector. Arkansas as a landlord-friendly state [00:21:42] The speaker explains that Arkansas has landlord-friendly laws and a simple eviction process, with evictions typically taking 30 days or less and costing less than $1000. Criteria for properties in the investor market [00:24:59] The speaker talks about the areas and property types that fit their buy box, focusing on working-class tenants and B-class properties in the Little Rock metro area. The availability of properties in Little Rock [00:30:51] The speaker discusses the current tight inventory in the Little Rock market and how it affects both homeowners and tenants. Demand is high, but there are fewer places to rent or buy. Interest rates and cash buyers [00:31:52] The speaker talks about the impact of higher interest rates on investors and the increase in cash buyers. Some investors are willing to pay all cash now with the intention of refinancing later when interest rates come down. Advantages of investing in Little Rock [00:33:48] Resources mentioned: Show Notes: www.GetRichEducation.com/468 Get access to Little Rock properties: GREmarketplace.com/LittleRock If you'd like help with one of GRE's Investment Coaches (free), start here: GREmarketplace.com/Coach Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text ‘FAMILY' to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold Complete episode transcript: Speaker 1 (00:00:01) - Welcome to. I'm your host, Keith Weinhold. National home prices continue to increase for at least four big reasons. There's also a hindrance that's getting so bad that it could keep more price growth in check. We look at why single-family rent growth is increasing. Then we focus on one particular metro area that could be America's best cash flow real estate market and why today on Get Rich education. Speaker 2 (00:00:30) - You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get rich education. Speaker 1 (00:00:53) - Walking from Whitney Island to Mt. Whitney, California, and across 188 nations worldwide. I'm your host, Keith Weinhold. And this is Get Rich. Education, National home prices continue to increase and no one knows what mortgage rates are going to do. There's one factor that could slow the home price growth party down. It could be impeded a little by these rising insurance costs. Now, in years past, do you know how many American homeowners decided that they were just going to skip insurance and not buy it so that they don't have to pay the premium? Any idea what percent? Well, the longer term norm is that 5 to 8% of homeowners skipped insurance. Speaker 1 (00:01:38) - They just said we'll handle any risk and not buy it. Hm. Maybe that's sort of like not using a case for your phone, perhaps, which I don't actually. I never use a case for my phone, but I do have insurance on all of my properties. Well, The Wall Street Journal was just reporting that the number of homeowners that have decided to forego insurance has increased. Okay. The longer term historic number is 5 to 8%. That decided to skip insurance. And now amidst insurance premiums that in a lot of places have risen faster than inflation, that proportion of those that skip homeowners insurance is now from 5 to 8%, up to 12%. Yeah, 12% of homeowners electing to skip insurance. And they're going to be those people that are free and clear of a mortgage. And if you have a mortgage, you must have property insurance. The Wall Street Journal also found that it's mostly lower income people that forgo it, lower income people that skip the insurance. Now, of course, homeowner borrowers, you have to eat that premium increase if you're a homeowner, borrower, they have to eat that. Speaker 1 (00:02:53) - You're going to remember that just seven episodes ago on Episode 461, I went into a lot of detail on the areas of the nation that do have skyrocketing insurance premiums. And if you're a landlord in any of those markets, you can pass along the hot potato because you can raise your rents in order to offset that. But primary residence homeowners, they cannot do that. They cannot pass along the hot potato. Homeowners have to eat the hot potato. And sometimes that hot potato can burn the roof of your mouth. That's why the proportion of those that skip insurance has about doubled. And also some areas have become uninsurable. If you want a new policy, think of some of the forest fire prone areas out west and you know, the eastern half of the nation, they can get forest fires, too, of course, But east of the Mississippi, it stays more humid and you get more rain. That's why it's just not as much of a problem in the eastern half of the US. Well, you've taken my guidance to heart and you sure are passing along the insurance hot potato, raising the rent on your tenants. Speaker 1 (00:04:04) - Here's some evidence because John Burns, real estate and consulting shows us that in the latest stats, single family rents are up 6.5% year over year. Yeah, single family rentals are also seeing higher occupancy and lower vacancy, and that's 6.5% annual growth rate in single family. So that's worth watching if you forecast inflation because of course that does make up part of the CPI like Rick and I recently discussed. Now single family rentals. They are roughly one quarter of America's rental housing stock. And this differs, by the way, from the rent growth on larger apartment buildings. Apartment building rent growth is slow due to so much new construction of larger apartment buildings where they're just still not building enough single family rentals in so many markets. So with this low, really just awful affordability for wannabe homeowners, what's happening in this area is that single families, they're attracting quality tenants. As this affordability worsens, the quality of the single family tenant is therefore increasing. The Fred charts tell us that the median sales price of the new build home is now $437,000 for 37. Speaker 1 (00:05:31) - Note that that's for a new build, not existing. And home prices are up, up, up for four big reasons. It's really for major reasons that home prices are up. There is high home demand from the large millennial generation, this astoundingly scarce supply. Thirdly, there is a still pretty strong economy and. And then fourthly, believe it or not, if you're new to real estate, fourthly is, yes, historically normal mortgage interest rate levels. All these things are supporting these higher and higher prices and this scarce housing supply. That is a genuine American problem that we have here. Now, President Biden, he's tried to address it with a five year plan that he announced last year. And in just two days, Republican presidential candidates are going to take the stage in California for the second GOP primary debate. And the presidential candidates, they should be asked, what would you do about the housing shortage? That question was not asked in the first presidential debate. If I could ask them one question, yeah, it would be about housing and our next president matters whether Biden wins reelection or whether it's someone else. Speaker 1 (00:06:44) - But my gosh, America spends too much time wrapped up in all this debate posturing and all this media hype over the positioning of the candidates. I mean, this is already been going on for months and months. Trump, Haley Pence, Ramaswamy DeSantis. Yes, the primaries are sooner, but the presidential election is still more than a full year into the future, even from this point. And this has already been going on for this long. I mean, virtually no other nation in the world drags it out for this long. It's almost a two year cycle of vetting these presidential candidates with two years. That's half of a presidential term right there. My goodness. Next week, as I'll be leaning on my team for a makeshift studio, I'll be joining you from Chicago, Illinois. And I will be checking out the sites and also the real estate opportunities there and those still in Chicago land. It's typically on the Indiana side of the Illinois Indiana line, where you'll tend to find the better real estate deals and the lower taxes is back to this week's show. Speaker 1 (00:07:54) - We're not talking about Chicago today. Straight ahead, is this America's best cash flow real estate market? It's an area that has population and job growth, but it's slow growth. You'll be surprised with how low the property prices are. I mean, they're often below replacement cost, which is remarkable. But what that means is with today's high materials and labor and regulatory costs, it would pay more to build a new home on that site than what you can buy that completed existing for home today that was built decades ago. And I've walked these very neighborhoods. A lot of them are nice. They're not in war zone areas. The city has a great base of distribution jobs. It says sector where it's hard to outsource distribution jobs over to a less developed nations because those jobs need to be fixed right there where you need to move the goods. So in this city, they are building fulfillment centers. That's warehousing in this highly investor advantaged place is also a state capital. So they have another base of government jobs that are not going away. Speaker 1 (00:08:58) - I'm talking to an experienced principal in this market that offers freshly renovated property to out of market investors like you. That's next. I'm Keith Windell you're listening to Get Rich Education. Jerry listeners can't stop talking about their service from Ridge Lending Group and MLS 42056. They have provided our tribe with more loans than anyone there truly a top lender for beginners and veterans. It's where I go to get my own loans for single family rental property up to four plex. So start your pre-qualification and you can chat with President Charlie Ridge personally, though even deliver your custom plan for growing your real estate portfolio. Start at Ridge Lending Group. You know, I'll just tell you, for the most passive part of my real estate investing personally, I put my own dollars with Freedom family Investments because their funds pay me a stream of regular cash flow in. Returns are better than a bank savings account up to 12%. Their minimums are as low as 25 K. You don't even need to be accredited. For some of them. It's all backed by real estate. Speaker 1 (00:10:10) - And I kind of love how the tax benefit of doing this can offset capital gains in your W-2, jobs, income. And they've always given me exactly their stated return paid on time. So it's steady income, no surprises while I'm sleeping or just doing the things I love. For a little insider tip, I've invested in their power fund to get going on that text family to 668660. And this isn't a solicitation If you want to invest where I do, just go ahead and text family to 66866. This is Perrin Life's Patrick Donahoe. Listen to Get Rich Education with Keith Wayne Mold. And don't quit your day dream. Hey, well, I'd like to welcome in one of our marketplace providers in such in Investor advantage geography, that is in Little Rock, Arkansas. Brian, we're going to be listening to one of the voices of Marketplace today. Hey, thanks so much for being here. Hey, thank you, Keith. Appreciate being here for the second time. This is great. Great catching up with you. Speaker 1 (00:11:27) - Well, that's right. Now, it's been a few years since you and I got together in person in Little Rock, Arkansas, and we toured the market. If we walked the number of properties. But I think the thing that stands out most to me with that trip to Little Rock, where I spent the day with you, is that my baggage arrived late. Now, we had good accommodations at the Capitol Hotel, kind of the stately nice hotel right in the center of downtown. But my luggage to Little Rock arrived about 20 hours late. I've had really good luck with luggage all my life, but didn't this time. And my most enduring memory maybe, is that I had to go running in street shoes. And I still remember near the end of my run, I was running over the bridge that spans the Arkansas River between North Little Rock and Little Rock. Looking down while I was running at these slightly dressy black shoes on my feet, thinking, My gosh, it's a miracle that my feet don't hurt me. Speaker 1 (00:12:24) - Yeah, that's exactly what I remember, Keith. I remember piecing it together. So you didn't come right out and just tell me you'd mention your bag had been lost. And then you mentioned that you went for a run that morning and thought, What did you run? So, yeah, you described basically running in your loafers from the day before. So I was like, This guy's a real machine from the north, the Great North down here. So I was impressed. Yes. And you're probably also wondering, did you really have to go running it? Right? That's the other thing. Well, right. Hey, you and I were just discussing this great media clip that we watched there from the local news there in Little Rock. This tells us quite a bit about the economic drivers in Little Rock as well as the low median home price there in the Little Rock area. Let's listen to this together. This is about two minutes in length and then we'll come back to comment. Speaker 3 (00:13:15) - We turn now to the national recognition that three communities in central Arkansas are receiving. Speaker 3 (00:13:20) - Little Rock North, Little Rock and Conway ranked in the top ten places for young professionals to live by for. Speaker 1 (00:13:27) - Some great news channel. Seven's Brenda Lipinski is on your side tonight. She joins us now live in our studio. Brenda, tell us a little bit about these rankings. Speaker 3 (00:13:34) - Yes, Chris. So Forbes advisor analyzed 99 of 100 largest cities and found that Little Rock North, Little Rock and Conway had great opportunities for young people. Little Rock North, Little Rock and Conway named Top ten Best Places for Young Professionals to Live by Forbes Advisor. And some agree. I think that there's no no doubt here in Arkansas, central Arkansas that we foster some of the greatest minds in talent. The criteria for the ranking included employment and pay, housing affordability, lifestyle and cost of living. North Little Rock Chamber of Commerce saying investment in young people is crucial for the area. Speaker 1 (00:14:11) - They're the next leaders. So we need to make sure that we can continue to recruit them and develop them because they're going to be the next people on our board of directors are going to be the next city council members. Speaker 3 (00:14:19) - Mayor Frank Scott Junior, who's a millennial, says good public education and jobs are a must. Speaker 1 (00:14:25) - We've seen historic job growth for close to 10,000 new jobs. Speaker 3 (00:14:28) - Young professionals saying there's a ton of reasons why they like the area, the community affordability. Speaker 1 (00:14:34) - Every single time I connect with someone and I'm I'm able to find a new opportunity, whether it be inside of work and with my career or outside of work with just having fun. Speaker 3 (00:14:44) - And for the future. So I'm hoping the state will create policy that will continue to attract more young people and think about the ways that we can continue to attract diverse professionals and how policy can impact people's image of the state and of the area specifically. Now, Forbes advisor also says that the areas are evolving into an entrepreneurial and innovation hub, which may also attract young professionals on your side. I'm Brenda Lipinski. Speaker 1 (00:15:09) - Okay, Brenda, thanks so much. Forbes also likes the cost of living in central Arkansas, where the median home price is about $200,000. Right. So that's what the media is reporting. Speaker 1 (00:15:20) - But you're right there, you're the boots on the ground. So tell us more about population growth and job creation and just overall the market vibe in the drivers there in central Arkansas. We have continued to see growth here. You know, I think it was mentioned that over 10,000 jobs created in just the last five years. One of the things that stands out here, too, is really driving that growth is that we're kind of known as a distribution hub or an upcoming distribution hub. A lot of that has to do with our geography and where we're located very centrally in the United States. And we're at the crossroads of two major interstates, I-40 and I-30. And so we've seen in just the last five years a very large Amazon facility put in actually three different fulfillment centers put in. So that's said to have brought in around 2000 jobs just right there. Then we've seen other big retailers come in like Lowe's and Ace Hardware and Dollar General, and they've all built distribution fulfillment centers here as well. And then even still we seeing growth with manufacturing moving into our river port here. Speaker 1 (00:16:26) - It was just announced this year that a big Trex facility, they manufacture decking materials and from environmentally friendly sources and they're putting a major operation here. And they were drawn here for the location in proximity to the interstate. So those things really are driving us right now. A lot of our growth is accelerated by this sort of fulfillment warehousing distribution space. We have other drivers, too, and just the last few years, very diverse in the economy here. But we have a large tech company here called Apta. G. They were created right here in Little Rock and have really accelerated their growth. I believe they're said to get up to around 800 jobs. And those are all young professionals that could be working in Silicon Valley if they wanted to. Very diverse. We have aerospace here with Disso Falcon Jet, and then we have lots of government jobs here. We are the state capital. So we have all of our state government here. We're also a major medical center. So all of our medical professionals train here. Speaker 1 (00:17:24) - Our medical school for the state is here in Little Rock. So all of our large hospitals there's on that note, things that we have coming now, they're announced they're building a new dental school here in Little Rock. So there's not a dental school in Arkansas currently. Also building a veterinarian school here in Little Rock. These are both going to be attached to another college that's here in Arkansas. So starting on a good foundation for those two schools. But that's another exciting move for Little Rock. So all these things are driving the workforce and bringing in younger workers, generating out workers from the medical school, for example, putting them out into the marketplace here. So we have a lot of young professionals, and I think that's why Forbes ranked us in the top ten of places for young professionals to live being the state capital there. Yes, you have that base of government jobs, some of the private sector jobs you mentioned you mentioned the expansion of medical. You know, these are two areas, government and medical that rarely contract very much, especially with the medical often growing and then with the government jobs, with the state capital being there in Little Rock, those just aren't the type of jobs that are going to be outsourced. Speaker 1 (00:18:32) - And they're also not going to move the capital from little Rock to Pine Bluff, Arkansas, anytime soon either. So you do have that base there. And Brian, you and I were looking at different media articles recently and studying more statistics. No one area has it all. Little Rock has a lot of advantageous drivers, especially a high ratio of rent income to purchase price for investors. And we'll get into that later. But really with one of the statistics that we were consuming together, basically, if you think of it as gradients in an area's population growth and job growth, maybe let's think of five of them. There's high growth, there's slower growth, there's no change, there's slow decline or there's fast decline. And of those five, it seemed to be pointing to that second one, slow growth for the area. Yes, I mean, we're a very linear market here. Our growth is consistent. We haven't had a major increase or a major dip. We're just very consistent in linear in our growth. Speaker 1 (00:19:32) - But it is continuous. We've seen that happen with even with housing, we've seen a lot of permits increase in the last few years, more multifamily permits even than single family permits. And it kind of tells you that the demand that's there for housing that rises along with the growth we are in that category, I would say, yeah, that's right. When we think about slow population growth, obviously those people need to be housed somewhere. And in the past decade you touched on it. To your point, both Little Rock and North Little Rock have had more multifamily built than they've had single family homes built. And nationally we are just so undersupplied depending on what numbers you look at. Were millions of housing units undersupplied nationally? How does that translate to the local picture there in central Arkansas, including Little Rock as far as being oversupplied, adequately supplied or undersupplied with housing? Well, I think we're undersupplied with single family housing first, and there's a real demand there. And there has been an increase in multifamily and most of that multifamily increase is at the top of the market. Speaker 1 (00:20:40) - So there's been a real shift in multifamily. And what maybe used to be an A-class multifamily building is now A, B or a C because new A-class has been built to replace it. So we've seen some shift there. But where the majority of the housing stock is coming from is the multifamily sector and that puts more demand on the single family rentals. I mean, that is still a very desirable place. I think most anyone who lives in an apartment or has lived in apartment aspire to eventually have their own home or be within their own four walls in a yard that, you know, they belong to them or they control or rent or whatever else and have their own piece. So their demand stays there for single family rental, but there's not as much being built. So we've really seen an increase in our single family rental rates. I know there's been increases across the country in rental rates, but usually it's linear here. But you know, we've with not a great big jump, but we've really experienced a significant jump over the last few years. Speaker 1 (00:21:42) - And I think a lot of it is driven with the demand for the single family and there's just only so much of it Now. We think about investors. Of course, most of the investors that you provide product for come from out of state. They live in areas that aren't nearly as investor advantaged as Littlerock is, but that's about more than the numbers. Oftentimes it's about that local landlord tenant law. I've got to say, it's been a while since I've consumed any material about this, but I remember in the past reading for years that oftentimes Arkansas comes in as one of the most landlord friendly states. That's correct. And it's been that way for a long time here. Our process is very simple and it's very much in favor of the landlord. But here an average eviction, if you get to that point of having to evict, typically it takes 30 days or less to actually get the tenant that's fast and less than $1,000 and that's hiring an attorney. So you're hiring an attorney? We have several that specialize here in the Little Rock area, for example. Speaker 1 (00:22:45) - They can turn this thing around in about 30 days. And the process is it goes to an unlawful detainer if you filed for eviction and the tenant hasn't followed the eviction process and hasn't followed the proper notices and the proper days to get out, then the legally you can follow a unlawful detainer. And once that process gets moving and it moves pretty fast, a writ of possession is issued. And so at that point, the tenant is actually served by a police officer and they don't it's not a harsh dragging out with handcuffs, but they show up and generally escort them out of the place. It's pretty quick process overall and it's backed up by law enforcement. So but in no means is it a bullying or a brutal process or anything like that. And most residents here in Little Rock in Arkansas in general, that's the way it's been forever. They understand it. And usually when you serve an eviction notice, it means business. And most tenants know it means business and they just abide by it. So really, we don't have to enforce all that many evictions all the way through other than that, we serve, so we serve evictions and they generally just get out. Speaker 1 (00:23:51) - That's sort of the process in Arkansas is known as to being one of the most landlord friendly states, and it's been that way for quite a long time. Of course, we're highly interested in that long history of the law reinforcing landlord interests more so than tenant interests, since we are interested in being long term investors. And when we talk about a metro area there in and around Little Rock, including their MSA, which includes North Little Rock and Conway, and we sometimes want to think about, all right, now, what parts of town would fit ones by box? Because even in an investor advantaged place, you probably don't want class A+, single family homes because of those higher price points. Rents don't keep up proportionally. And then we also typically want to avoid class areas. Those properties are shabby. They can't attract a rent paying tenant and properties don't typically appreciate very well on those low end class properties. So tell us about those areas in the criteria that fit your buy box that you know that investors want to put in their portfolio? Yeah, that's correct. Speaker 1 (00:24:59) - I mean, we really stick a lot into the space. We're looking for kind of that working class tenant. They've got a good job. They are, you know, blue collar. They're hardworking people. Generally it's a family. Those are the areas where we're focused on and we're not exclusively in Little Rock. As you mentioned, the metro area is about a 55 mile radius. There's about a million people within that radius, the metro area. And that encompasses other areas around us other than Little Rock. So the city of Little Rock. There's the city of North Little Rock, which is actually not just the north side of Little Rock. It's a separate city from Little Rock and the other side of the Sherwood, Cabot, Jacksonville, Conway, Benton, Bryant. All of these are communities, cities around us enjoying Little Rock. We find rentals in those areas, too. We target specific areas within those different cities where really that B-class property in that B-class tenant is looking to live. And so we're not just in Little Rock. Speaker 1 (00:25:56) - We do venture out into some of these other areas and we're talking about the Little Rock, Arkansas, and the investor market there and its growth story. However, a slow growth story, perhaps it's not growing as fast as some Floridian counties are, where you have a lot of foreign in-migration, you're going to have less foreign in-migration, for example, in Little Rock as compared to a lot of other places. We think about where the tenant income stream is going to come from. We've talked about that. All of those market drivers there, we start to think about, all right, what are the properties like in the prices in the rents? So can you tell us about the property types and then get into some of the important numbers for investors, Brian, And tell us about the quality of the renovation you do to get that property ready and make it effectively turnkey for investors. Tell us about the properties, the prices in the rents. We try to target mostly single family and we do come across and dabble in some multifamily as well, and it's mostly smaller multifamily. Speaker 1 (00:26:58) - So you know, anywhere from a duplex up to maybe a 20 or 30 unit complex and fits within our box. But mostly we're focused on single family rentals. Our criteria is a three bedroom. Obviously it's going to have a bath, but three bedroom, two bath is what we like. We do come across a lot of three bedroom, one and a half baths. A lot of these homes were built in the 1960s, 1970s. Those homes are going to have some of the more modern things, sheetrock versus plaster wire versus knob and tube. So, you know, those are reasons why we want to focus on those 1960s, 1970s homes. Again, most of them are three bedroom, one into two baths. Most of them are around 1200 square feet. And we do a fairly extensive remodel. We have a lot of boxes to check. But I would say our average home ends up with a new roof, new Hvac, new hot water heater, almost all new flooring. We always put in granite countertops. Speaker 1 (00:27:53) - It's a staple in Little Rock. We find that that just is a little bit of a wow factor compared to some other competitors out there and what they're offering as a result. So we pay attention to the finishes. We want all the hardware to match, we want all the light kits to match. We want everything to feel uniform. And our whole philosophy is we're trying to attract best quality tenants we can, but we want this to be it. Hope this is the best rental property they've ever had as well. We want them to really fall in love with the property and our number one goal is to retain tenants for as long as possible because one of our biggest killers is turnover cost. So, you know, if you lose a tenant, you've got to get that thing rent ready and put it back out on the market. And you've got to go through the whole process of finding a new tenant. So what we find is by providing a better product, it equals longevity of the tenant and then staying with us for a long time. Speaker 1 (00:28:46) - And we typically start with an 18 month lease with escalators there with rent increases built in. But we find that we keep tenants for three and four years. Really good success with that. And think a lot of it is due to the areas we pick and then the product that we put out in the market. That's an excellent tenancy duration between 3 and 4 years with what you just laid out and describe there with these fresh rehabs and even granite countertops in your single family homes, it kind of feels like your own. So therefore you want to be a tenant longer. And I think that tenant duration, as long as mortgage interest rates stay high, really is set up to lengthen because it's that much more difficult for a renter to go out and be a first time homebuyer. So therefore, if you put them in a rental that they're really happy in and get that right right from the beginning that you guys do, it's unlikely that they're going to move into another rental because it's hard to do better than that. Speaker 1 (00:29:40) - And it's also difficult for them to buy their own home due to this affordability constraint with the higher mortgage rates and higher prices. And when it comes to property prices, we listen to that media piece earlier where it was stated that the average or median home price, whatever it was, is about 200 K. So tell us about what rent we would see with what price for one of your typical properties there that you prepare for investors? Long var properties once they'd gone through the full turnkey renovation process and have been rented, they fall somewhere in a price range of 115 to say $140,000. Maybe our average sweet spot there. And those rents range anywhere from 1200 to $1500 a month, just sort of depending again on the location where it is and that sort of thing. So that medium may be up there in the 200 range. But again, we're sort of focusing on the B-class areas. And so that's where our price points tend to fall, that sort of like 120 to 140 price range. And if you're new to the show and you're a listener in Brooklyn, New York or Burbank, California, we're not talking about the 20% down payment amount here. Speaker 1 (00:30:51) - We're talking about the complete purchase price amount with what we've discussed there. Tell us about your availability just in general over time. The inventory here, not unlike a lot of places around the country, is very tight right now. I mean, a lot of people are staying in homes and real estate just isn't moving like it was. So we're still finding opportunities, but not like we were. And that goes all the way down to home owner occupants. They're having a hard time finding places to buy because the sellers aren't selling. And that I think, trickles down to tenants as well. They're just fewer places to rent. That's what we're seeing. There is less supply than demand. And when something is coming on the market, I mean, it's getting gobbled up pretty quick, be it a rental or a property to buy. So the demand is still very strong and inventory is low. No, I'm curious, with prices that low, 150 K or less now that mortgage interest rates are higher, I think you know that I'm a leverage fan and we have ratios like that. Speaker 1 (00:31:52) - You might be able to pay a higher interest rate yet still have cash flow but with higher interest rates. Brian Have you seen it where anyone is interested in making an all cash payment, a greater proportion of those people than there used to be? Yeah, absolutely. I mean, we're seeing people bring more money to the table for the down payment. We've seen quite a few cash buyers that we didn't normally see before. So yeah, people are just, you know, using their resources to write some of these things out or there's understanding to that this interest rate level is probably short term. And so they're like, you know, hey, let me go ahead and get this great property and hold on to it. Now, put a little bit more money into it. I'll refinance it later. So we are seeing a lot of people think more with that type of strategy in mind. I guess one approach is paying all cash now and then mortgage rates come down to a level where an investor is comfortable. Speaker 1 (00:32:40) - They could maybe do an 80% cash out refinance. In my experience. What I've found, though, is that usually when someone pays for a property, all cash, no matter what mortgage rates do, they don't go back and get a mortgage on it. They just leave it paid all cash. That's what I always tend to see happen. Absolutely. And that's not a wrong way to go at all. I'll tell you what. And with appreciation built in and then, you know, all the other benefit tax write off benefits and those types of things. I mean, it ends up being a great place to put your cash if you had your cash, if you look at the full picture of the return. So to your point, people who go there temporarily end up staying there, right? Yeah, it goes from temporary to permanent and keep that paid off condition, even though it probably doesn't make a lot of financial sense. But it can depend on what situation. Well, in conclusion here, is there just anything else that an investor should know in general about the Little Rock market or Little Rock property or the particular renovations that you make to the property there? One thing just to point out kind of from an earlier part of our conversation about why, you know, the city is great for young professionals and had that Forbes ranking. Speaker 1 (00:33:48) - And, you know, our cost of living here in Little Rock is 17% below the national average. So your money just goes further here. I believe. And I think that translates out right. And you know, at our unemployment is around 2%. So it's a very low unemployment rate. So the cost of living is lower your dollars go farther. Your tenants here tend to be more stable. There's job opportunities for them. So I think all of that builds into why Little Rock is a great investment market and why we see tenants stay in units for longer than their lease periods. As far as availability and quality of renovations, I mean, we certainly have availability. We have deals popping up all the time. I mean, we're known for our renovations and being at the top end of our renovations and a lot of our tenants come to us almost word of mouth. They've been in one of our rentals before with a friend or neighbor, and a lot of times they are knocking on our doors as we're renovating, asking when is this going to be available for rent? So a lot of it is reputation of product out there, even among the tenant population, not just the buyers out there. Speaker 1 (00:34:53) - So I think those are some of the things we have going for us here. We continue on our our journey here. We've been investing in Little Rock since 1997, so we've got a great track record here and a lot of great experience. Yeah, Your volume of repeat investors that want to keep buying there is really a testimony to what you're doing. Well, thank you so much for sharing this. It's really an opportunity a lot of people don't know about or a lot of people don't think about. It's hard to find a more investor advantaged place than Little Rock, Arkansas, and surrounding central Arkansas. There for you, the listener from Marketplace, you'll see our little rock provider there or contact your investment coach If you don't have an investment coach yet, you can visit Marketplace com slash coach and pick your coach It's been great chatting about Little Rock. Oh yeah, a great chat about Little Rock. You know, one of the things that I visited while in Little Rock, it was the Clinton Presidential Library. Speaker 1 (00:35:56) - It's worth checking out. But, you know, the one thing that I did not see, despite all the memorabilia and historic tributes to Bill Clinton there, there was not one mention, nothing about Monica Lewinsky. I could not find one in the whole place. I guess it's his library and he'll be remembered how he wants to be. But yeah, these numbers really work for investors 1200 to $1500 rent renovations like what we discussed in purchase prices of 115 to 140 K, So you can start with one of those properties or get a pack of these smaller sized single family rentals and then they can manage them all for you long term. They seek tenants for life there, quote unquote. So we're talking about working class, stable families now here in central Arkansas that should not be confused with higher priced areas out in northwest Arkansas. Okay. The provider and I were talking off air about a story that's emblematic of that area, Northwest Arkansas, a schoolteacher priced out of Bentonville. She couldn't find housing there. So she lives in a Fayetteville rental and commutes into Bentonville. Speaker 1 (00:37:12) - Okay. Those are both northwest Arkansas cities. Of course, Bentonville is famously known as the Walmart headquarters. So we're not talking about northwest Arkansas here, which is an area that just doesn't work as well for long term rentals as Little Rock, central Arkansas. Forbes Even highlighting that Little Rock ranks as one of the top ten places for young professionals to live in, pointing out those super low house prices, Little Rock should be considered to see if it fits into your portfolio as a stable place with some of America's very best cash flows, which you can do is from Marketplace. You'll see our little rock provider there. If you want to connect with the provider yourself, you can also go directly to Marketplace slash Little Rock or if you prefer, contact your investment coach. It is free and Jerry marketplace slash coach until next week when I'll be back to help you build real estate wealth. I'm your host, Keith Winfield. Don't quit your day dream. Speaker 4 (00:38:16) - Nothing on this show should be considered specific, personal or professional advice. Speaker 4 (00:38:20) - Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively. Speaker 1 (00:38:44) - The preceding program was brought to you by your home for wealth building. Get rich education.