Podcast appearances and mentions of doug utberg

In this episode, your host Doug Utberg speaks with Amanda Frank about what it really means to get deals done in the high pressure world of real estate and business mergers.Amanda and her husband run the Frank Law Firm in Long Island, NY … specializing in real estate and bankruptcy cases. In the interview, we discussed the ways that people frequently posture during negotiations and how to cut through that noise to generate results.If you want to know more about Amanda, click below:https://frankfirmpc.com/If you're a business leader who is value-focused and puts your people first, please apply to be a guest on the show HERE. https://peoplefirstleaders.net/guest This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.dougutberg.us

In this episode, your host Doug Utberg speaks with Simon Severino about building communities is the new method for sustainably marketing businesses. Simon helps client businesses to turbo charge their results, creating a backlog of customers, pricing power, faster sales cycles and lifetime customers. If you want to know more about Simon, click below: https://www.strategysprints.com/ If you're a business leader who is value-focused and puts your people first, please apply to be a guest on the show HERE. https://peoplefirstleaders.net/guest This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.dougutberg.us

In this episode, your host Doug Utberg speaks with Bryan Rutberg about injecting love into the way you lead your people. Bryan describes himself as a "Hippie with an MBA" and blends spiritual awareness with logical power to help his clients. If you want to know more about Bryan, click HERE. https://www.bryanrutberg.com If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE. https://peoplefirstleaders.net/guest

In this episode, your host Doug Utberg speaks with Angela Rakis about getting everybody involved in the sales process. Angela works with client companies to help them sell with confidence and realize their revenue potential. If you want to know more about Angela, click HERE. https://www.metissalessolutions.com/ If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE. https://peoplefirstleaders.net/guest

In this episode, your host Doug Utberg speaks with Scott Bee about how to eliminate (or at least reduce) the chaos in your business. Scott works with small and mid-sized business to help the owners reduce chaos and make more time for what matters. If you want to know more about Scott, click HERE. https://mybusinessonpurpose.com/ If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE. https://peoplefirstleaders.net/guest

Welcome to Predictable B2B Success, your go-to spot to dive deep into the strategies propelling business growth. In this captivating episode, we're joined by the inquisitive mind of Doug Utberg, founder of People First Leaders, an organization reshaping the cultural fabric of business in America. As we navigate the complexities of contract restructuring and the nuances of budget management, Doug spurs a thought-provoking conversation on the delicate balance between human connection and corporate scalability.  Doug doesn't hold back in challenging conventional recruitment practices, advocating for leaders to leverage their networks to uncover hidden gems in the job market. Doug and Vinay dissect how purpose-driven organizations can act as ethical anchors in pursuit of success while achieving phenomenal financial outcomes.  But beyond the strategies, this dialogue takes an impassioned turn towards the value of stories, the power of diversity in fostering innovation, and the vital role soft skills play in nurturing a thriving workplace. This episode isn't just an exploration of business acumen; it's a rallying cry for a people-first revolution that promises to transform how we think about productivity, leadership, and success. So, tune in to discover the secrets behind forging deeper connections and driving authentic growth in the B2B landscape. Some areas we cover in this episode include: The specialization and expertise of contract renegotiation and savings.The impact of leadership behavior on company culture and authentic leadership practices.Strategies for tackling budget overages in system deployments.The importance of inclusion, people-first focus, and connecting skills across domains in recruitment and employment.The concept of People First Leaders and the impact on organizational culture and employee productivity.The idea of "value first" in business and delivering superior use value to customers.The effectiveness of learning from failures and unwritten organizational rules for new hires.The role of analytics versus stories in understanding organizational health and employee perceptions.The balance of soft and hard skills in hiring and leadership and assessing values and soft skills during the hiring process.The benefits of a people-first approach and creating emotional security in the workplace for enhancing productivity and job satisfaction.And much, much more...

In this episode, your host Doug Utberg speaks with Jess Cervellon about what real leadership really means, or Real Effing Leadership as we like to call it. Jess partners with client brands to take them through meticulously crafted, customer-centric journeys. If you want to know more about Jess, click HERE. https://jesscervellon.com/ If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE. https://peoplefirstleaders.net/guest

In this episode, your host Doug Utberg speaks with Nathaniel Harding about why people are assets in a business. Cortado Ventures is a venture capital fund that implements a unique model to increase the success rate for the founders they bring into their investment portfolio by growing their leadership teams. If you want to know more about Cortado Ventures, click HERE. https://cortado.ventures/ To connect with Nathaniel on LinkedIn, click HERE. https://www.linkedin.com/in/nathanielharding/ If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE. https://peoplefirstleaders.net/guest

In this episode, your host Doug Utberg speaks with Jessica Koehl about turning around distressed product teams. At 'The Product Consult' Jessica and her teams partner with businesses to help their product teams grow to the next level of effectiveness. If you want to know more about Jessica, click HERE. https://www.theproductconsult.com/ If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE. https://peoplefirstleaders.net/guest

In this episode, your host Doug Utberg speaks with Victoria Kennedy about how entrepreneurs can use their personal brand to grow their business without expensive advertising plans. Victoria's PR firm works with successful entrepreneurs to help them build their personal brands to grow their businesses. https://victoriouspr.com If you want to know more about Victoria, click HERE. https://victoriakennedyofficial.com/ If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE. https://peoplefirstleaders.net/guest

In this episode, your host Doug Utberg speaks with Dr. Ravi Iyer about empowering people and the narratives that happen inside our minds. Having been in a private medical practice for multiple decades, Dr. Iyer shares his experiences with how he empowers people to make his business thrive. If you want to know more about Dr. Iyer, click HERE. https://Linktr.ee/driyermd If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE. https://peoplefirstleaders.net/guest

In this episode, your host Doug Utberg speaks with Edrizio De La Cruz, Co-Founder & CEO of Arcus, about Edrizio inspiring life story of overcoming poverty and adversity.From selling guava on the streets to dropping out of the Air Force, he eventually found his path in finance and became an investment banker. Despite facing challenges and being told he couldn't succeed, Edrizio's determination led him to start a tech company aimed at revolutionizing remittance services.If you want to know more about Joe's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with Ray Blakney, CEO/Founder of Rayvensoft Ventures, about the importance of learning from bumps in the road.Ray shares his story of becoming an accidental entrepreneur. He talks about his background, growing up in various countries, studying computer engineering, and eventually stumbling into entrepreneurship. If you want to know more about Joe's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

Doug Utberg is Host of the ‘People First Leaders' podcast where he meets with Founders and CEO's who prioritize people and customer value first. Prior to starting his business and Podcast, Doug worked in the High-Tech industry for 20 years, holding a multitude of job roles in Finance and Information Technology. All of this came to an abrupt end on April 20, 2020 when the new Chief Information Officer at his company abruptly scheduled a 30-minute meeting with no subject. 30 seconds after joining the call, Doug learned that his role was being eliminated. One minute into the call, Human Resources joined and five minutes after that his network access was Terminated. At this point, Doug was now unemployed (Along with 40 million other people during COVID) with an $800k mortgage, a wife plus two children, $30k of private school tuition due for the year and absolutely no income for the household because he was the sole provider. The anxiety and self-doubt that resulted from this event inspired Doug to make his action about helping to prevent other people from experiencing the same career displacement that he went through. This is what resulted in the ‘People First Leaders' podcast where Doug celebrates Founders & CEO's who put their people and their customers first. In addition to his podcast, Doug's business partners with companies to reduce their expenses without layoffs. He services clients with a zero-risk proposition where he is only paid for producing tangible results. Doug is driven the the desire to create value for everybody he meets, and is looking forward to meeting you and learning how he can bring value to your business & life. Social - My handle is @DougValue on Facebook, LinkedIn, Twitter, Instagram and YouTube

In this episode, your host Doug Utberg speaks with Joe Schaeppi, CEO and co-founder of Solsten, about the importance of building human-first experiences and using technology to understand people better. Joe explains how adventure-based psychotherapy uses adventure settings and play to gain insights into individuals' psychology. He also talks about Solsten's focus on games as a means of understanding human behavior and promoting cognitive benefits. He emphasizes the accessibility of games and their positive impact compared to passive media consumption.If you want to know more about Joe's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with Wayne Mullins, Marketing Manager of Ugly Mug Marketing, about the importance of focusing on what truly matters in advertising and marketing, rather than getting caught up in the pursuit of cool designs or awards.Wayne also reveals a powerful strategy he used to grow his own business, which involved building a network of evangelists through small gestures of kindness and personal connection. Additionally, Wayne discusses his journey as a leader and how he overcame initial doubts about his ability to be a people-first leader. If you want to know more about Wayne's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with Joe Altieri, President of FlexScreen, about the significance of balancing growth with employee well-being and promoting a people-first approach in business for long-term success.Joe shares insights on leadership, operational execution, and fostering a healthy company culture, challenging conventional business paradigms. If you want to know more about Joe's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with Brandon Woodside, about the significant influence of effective leadership on organizations, emphasizing its positive impact and the harm caused by toxic leadership. Brandon draws from his experience in the nonprofit sector to highlight the unique challenges of leading unpaid or underpaid individuals and the importance of vision casting and communication in driving change and uniting teams towards shared goals.If you want to know more about Brandon's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with Greg Davis, Chief Executive Officer of Bigleaf Networks, about the drawbacks and benefits of a scattergram organizational structure that accepts remote work.Greg discusses his experiences navigating cultural divides in this remote-first era while leading a distributed team in Portland.If you want to know more about Greg's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with George Breiwa, the founder of DynaVap, about the value of having a purpose, developing personally, and giving others leadership opportunities. The conversation also touches on the connection between people and purpose as well as the benefits of following your passions.If you want to know more about George's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with Brandon Newman, Chief Executive Officer and Founder of Xevant, about his experiences and learnings on meaningful entrepreneurship, emphasizing ventures that solve problems and have a purpose. Brandon emphasizes the importance of empowering individuals via visionary leadership, placing a greater emphasis on human development than task-based management. Brandon's experiences serve as a reminder of the importance of humility, ongoing learning, and a commitment to generating value that goes beyond monetary gain.If you want to know more about Michael's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with Michael Roub, the Managing Partner and founder of Inflection 360, about putting the needs of customers and employees first, emphasizing the importance of employee value, empowerment, and successful communication.The episode examines cultivating a healthy culture, the effects of remote work, and the function of leadership. Additionally discussed are the significance of having a positive outlook on life, job advancement, and change adaptation.If you want to know more about Michael's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with Steve Lindsey, Founding Partner, Chief Technology Officer at LVT (Live View Technologies), about the founder's mindset. Steve discusses his everyday activities, the value of dependable collaborators, overcoming setbacks, and the essential traits of a founder's flexible and problem-solving mentality. If you want to know more about Steve's work you can email him at steve@lvt.comIf you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with Glenn Poulos, the Vice President & General Manager of NWS Canada (formerly Gap Wireless), about his transition and shares insights from his book "Never Sit in the Lobby," offering 57 humorous tips for sales and business success. Glen talks about the GWS role appropriateness evaluation and emphasizes the importance of core values and the Entrepreneurial Operating System (EOS) in attaining company goals. He also emphasizes the favorable impact of downsizing on profitability and the importance of coordinated teamwork and employee progress.If you want to know more about Glenn's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with Joey Haven, a Managing Partner of Strategic Growth at HORNE, about prioritizing people in leadership.Joey emphasizes deliberate activities consistent with the team's beliefs and culture and highlights the importance of building relationships with them.In order to encourage growth and resilience in organizations, he emphasizes the need for productive cultures, cautions against compromising on conduct, and promotes failing forward.If you want to know more about Joey's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with Rob Buffington, the Founder and CEO of Gordian Business Solutions, about the significance of genuine communication with employees, emphasizing time investment and authenticity. He emphasizes the importance of connecting with millennials and Generation Z by communicating a clear company "why." Rob believes that distant work necessitates improved communication tactics, such as direct inquiries and active feedback. He also underlines the increasing role of company values and the relevance of employee autonomy in defining the course of a firm.If you want to know more about Rob's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with Lisa Marie Platske, the founder of Upside Thinking, an award-winning leadership expert in human behavior, and a business coach, about fulfilling life's purpose by letting go of outcomes and societal expectations, embracing deep self-reflection, and finding meaning beyond titles and possessions.Lisa shares her journey of self-discovery, emphasizing the transformative power of trauma and adversity, and how aligning values with goals leads to personal and business growth.If you want to know more about Lisa Marie's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with Rohaan Khan, CEO & Founder of Orangetrail.io, and Eroslav Georgiev Co-Founder of Orangetrail.io, about the significance of precise product specifications, varied advertising strategies, and in-depth market research. they provide valuable insights on handling advertising bans and recommend starting from the problem and working backwards for successful entrepreneurship.If you want to know more about Orangetrail, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with Nate Lind, a business broke, about building businesses for sale, highlighting the benefits of SBA qualification for buy side deals.Nate emphasizes the significance of proper financials and buyer-seller alignment. He shares insights on selling businesses in the $2 million to $20 million range and offers advice on managing client retention during the selling process.If you want to know more about Nate's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with Ira Wolfe, President and Chief Googlization Officer, about the concept of a connected organization, emphasizing the importance of trust, genuine connections, and redefining work relationships for increased productivity and employee well-being. It challenges the idea of returning to traditional office environments and highlights the significance of having friends at work for employee retention. The episode also explores the impact of personal problems on well-being and the potential crisis in the banking sector leading to market dominance shifts and collapse for many companies.If you want to know more about Jenna's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with Sean Fahey, CEO of VidCruiter, about the importance of removing bias in any recruitment process. Sean believes that being aware of bias and taking steps to eliminate it is not just good practice, but also necessary to prevent legal problems. He underlines the need of asking the correct questions and following legal laws to achieve a fair and unbiased hiring process. If you want to know more about Sean's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with Jonathan Shroyer, Chief CX Innovation Officer at Arise Virtual Solutions, about the importance of creating daily value and prioritizing purpose in a service business over profit. He supports giving attention to people's mental health, encouraging community growth, and shifting financial resources to less well-known cities. Along with his own path, Jonathan talks about the rise of remote work, toxic positivity, diversity of thought, and the congruence of company principles and behavior. He encourages audiences to put purpose, empathy, and diversity first when creating successful, significant businesses.If you want to know more about Jonathan's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with Sharekh Shaikh, the Founder of CleverX , about the junction of technology, job, and personal fulfillment. They also explore the changing work landscape, the shift toward flexible work arrangements, and the potential consequences for organizations that fail to adapt. The conversation includes outsourcing patterns, the influence of COVID-19 on work, and advances in AI systems. Finally, they stress the significance of meaningful and flexible work arrangements in terms of employee satisfaction and productivity.If you want to know more about Sharekh's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with Jody Milward, founder of 2 multi 7 figure businesses and & Facebook Marketing Strategist, about the importance of investing in engagement and video campaigns, supported by strategic retargeting, for long-term success in advertising.Jody emphasizes the value of messaging optimization, data analysis, and ongoing ad optimization for successful outcomes in the dynamic advertising environment.If you want to know more about Jody's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with Adam Rosen, The Co-Founder of Email Outreach Company, about the power of cold emailing in reaching potential customers. Adam emphasizes the significance of time management and learning from failure, encouraging listeners to act and create progress rather than waiting for ideal conditions. Adam also offers helpful advice on how to write good emails, advising against using pleasantries and instead getting right to the point.If you want to know more about Adam's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with Angela C. Lalande, a successful founder and bestselling author, about her road to becoming a founder and authoring a best-selling book while dealing with weariness and failures. Angela recounts the difficulties she had as a founder, including her dread and concerns about her ability. She emphasizes the necessity of having a strong network and staying passionate about her writing. She also explores the concept of a lighthouse and how it became an important topic in her book. If you want to know more about Angela's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with Jenna Spencer the founder and visionary at Assist Pro, about the importance of delegation and how it can lead to success in the business world.Jenna talks about how she unintentionally started a business and used the Dash Method framework to establish a process for delegation that worked for her.If you want to know more about Jenna's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with Ron Story Jr about the importance of following a standard process, being accountable, and leading by example.This episode also encourages ethical leadership and the need for the coaching mastermind service industry to move towards ethical accountability.If you want to know more about Ron's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with Figs O'Sullivan, Couples Therapist and Relationship Coach, about the challenges of addressing relationship issues and how socialization can cause conflict with one's partner's needs. We also explore the significance of having empathy for the full scene of a couple's relationship, resolving current concerns before worrying about future fears, and prioritizing and preserving the relationship between parents for the sake of the entire family. If you want to know more about Figs O'Sullivan's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with Raine Mahdi, the Founder and CEO of Zipfox, about the current state of global manufacturing and the challenges faced by supply chains worldwide.Rain Mahdi's thoughts and experiences provide light on the issues faced by supply chains and the unique tactics required to successfully manage these obstacles. As the industry evolves, embracing adaptability and investigating alternative solutions will be critical for developing resilient supply chains in the future.If you want to know more about Raine's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with Louwki Coetsee from Netsurit about the world of technology and its impact on businesses and society. How technology can be both a powerful tool for growth and a significant threat to cybersecurity and the ethical implications of big tech companies like Facebook and the need for conscious decision-making in the tech industry.If you want to know more about Louwki's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with Nishika de Rosairo from HumanQ about accountability, self-awareness, and the power of resources, mentors, and coaches in achieving success and the importance of breaking free from others' expectations and pursuing goals that align with one's own desires while experiencing the power of now and feeling grounded in the present moment.Nishika's company, HumanQ, helps corporations develop winning mindsets in individuals through bite-sized learning and personal self-discovery.If you want to know more about Nishika's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with David VanGinhoven from Land Profit Generator about how to determine the value of land and the strategy used to acquire land offerings below market value. David is a real estate enthusiast who is fascinated by the potential of land flipping. He was inspired by a friend of his named Nancy, who made a fortune from flipping land. Despite the challenges of doing it without modern technology, he is convinced that land flipping is a lucrative opportunity that could provide him with the financial freedom he's been seeking. If you want to know more about David's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with John Briggs, Founder of Incite Tax, a multi-million dollar tax firm, and author of the books “The 3.3 Rule” and "Profit First For Microgyms," John advocates for true free-market capitalism and highlights the importance of lawful tax avoidance while distinguishing it from tax evasion. Additionally, we delve into the topic of tax write-offs and the impact of political factors on future tax changes.If you want to know more about John's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with Alex Brueckmann, a strategy facilitator, the founder and CEO of Brueckmann Executive Consulting, and the author of Secrets of Next-Level Entrepreneurs, about self-leadership.The episode covers many aspects of self-leadership, including recognizing gaps between what is valuable to you and what you actually do and understanding the importance of mindset and growth.If you want to know more about Alex's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

Check it out on Spotify: https://spoti.fi/33Z4VsE Check it out on Apple: https://apple.co/3AHc2DT How to Meet Anybody with Steve Buzogany Episode: https://apple.co/3zuud1y Doug Utberg is Host of the ‘People First Leaders' podcast where he meets with Founders and CEO's who prioritize people and customer value first. Prior to starting his business and Podcast, Doug worked in the High-Tech industry for 20 years, holding a multitude of job roles in Finance and Information Technology. All of this came to an abrupt end on April 20, 2020 when the new Chief Information Officer at his company abruptly scheduled a 30-minute meeting with no subject.  30 seconds after joining the call, Doug learned that his role was being eliminated.  One minute into the call, Human Resources joined and five minutes after that his network access was Terminated. This is what resulted in the ‘People First Leaders' podcast where Doug celebrates Founders & CEO's who put their people and their customers first. In addition to his podcast, Doug's business partners with companies to reduce their expenses without layoffs.  He services clients with a zero-risk proposition where he is only paid for producing tangible results. Doug is driven the the desire to create value for everybody he meets, and is looking forward to meeting you and learning how he can bring value to your business & life. Dreams: Change the Culture of American Business to put growing people and putting customer value first. Organize and live life to be authentically himself. Giving of your full self romantically, spiritually, business sense, without massaging what you're saying to fit another's expectations. More authentic Time to move to a smaller place that requires less maintenance Reduce frequency of social interactions, particularly with family Take one of the ventures and move it off the table, ERP Consulting. Introduce Them to: Someone on a similar type of life path towards authenticity. Favorite Book, Movie, or Podcast: Favorite Book is Count of Monte Cristo Contact them at: https://peoplefirstleaders.net/guest --- Support this podcast: https://podcasters.spotify.com/pod/show/timothy-douglas0/support

Check it out on Spotify: https://spoti.fi/33Z4VsE Check it out on Apple: https://apple.co/3AHc2DT How to Meet Anybody with Steve Buzogany Episode: https://apple.co/3zuud1y Doug Utberg is Host of the ‘People First Leaders' podcast where he meets with Founders and CEO's who prioritize people and customer value first. Prior to starting his business and Podcast, Doug worked in the High-Tech industry for 20 years, holding a multitude of job roles in Finance and Information Technology. All of this came to an abrupt end on April 20, 2020 when the new Chief Information Officer at his company abruptly scheduled a 30-minute meeting with no subject.  30 seconds after joining the call, Doug learned that his role was being eliminated.  One minute into the call, Human Resources joined and five minutes after that his network access was Terminated. This is what resulted in the ‘People First Leaders' podcast where Doug celebrates Founders & CEO's who put their people and their customers first. In addition to his podcast, Doug's business partners with companies to reduce their expenses without layoffs.  He services clients with a zero-risk proposition where he is only paid for producing tangible results. Doug is driven the the desire to create value for everybody he meets, and is looking forward to meeting you and learning how he can bring value to your business & life. Dreams: Change the Culture of American Business to put growing people and putting customer value first. Organize and live life to be authentically himself. Giving of your full self romantically, spiritually, business sense, without massaging what you're saying to fit another's expectations. More authentic Time to move to a smaller place that requires less maintenance Reduce frequency of social interactions, particularly with family Take one of the ventures and move it off the table, ERP Consulting. Introduce Them to: Someone on a similar type of life path towards authenticity. Favorite Book, Movie, or Podcast: Favorite Book is Count of Monte Cristo Contact them at: https://peoplefirstleaders.net/guest --- Support this podcast: https://podcasters.spotify.com/pod/show/timothy-douglas0/support

In this episode, your host Doug Utberg speaks with Andy McDowell, a business owner and podcaster of Generate Your Value, about the real cost of bad leadership. They delve into the importance of investing in your team, effective communication, and re-evaluating assumptions. With a diverse background in entrepreneurship, which includes being an employee of entrepreneurs and a former entrepreneur within a large corporation, Andy is well-equipped to guide others into becoming great leaders. Following a layoff after 22 years working at a large corporation, he is passionate about helping others avoid bad leadership and become successful in their own endeavors.If you want to know more about Andy's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with Joe Bautista, a financial planner, and digital nomad, about how it has become easier than ever to follow the digital nomad lifestyle and use it to develop specific skills that enhance your success in life. If you want to know more about Joe's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with Park Howell, Business Story Strategist and the Founder and President of Park&Co, about the importance of storytelling and how it relates to marketing.Park believes in the power of storytelling to inspire action and drive change. Understanding that humans make decisions based on stories, not just data, he works to craft compelling narratives that motivate people to take action.If you want to know more about Park's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with Gabe Galve, the CEO of CapTarget and other companies, about breaking the cycle of narcissism, psychopathy, and negativity in society. We explore how social media and social selling have created value for corporations and entrepreneurs, but have also caused harm, and the importance of acknowledging this and understanding where the tipping point exists.If you want to know more about Gabe's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with Steve Gillman, CEO and Founder of One Range. One Range is about upskilling and training the modern workforce. One Range is revolutionizing the one-size-fits-all approach to development and teaches you to provide the tools your workers need not to just survive in your industry, but thrive.If you want to know more about Steve's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this episode, your host Doug Utberg speaks with Dr. Robin Buckley, CEO and Founder of Insights Group. Insights Group is a psychological and coaching service that helps you find the power within with a diverse selection of opportunities including cognitive behavioral therapy, coaching, psychological assessments, and professional development. If you want to know more about Robin's work, click HERE.If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

In this unique episode, your host Doug Utberg is interviewed by Josh Elledge of UpMyInfluence. Doug shares that his show, Terminal Value, has changed its identity and moving forward, will be known as People First Leaders. Doug explains that he wants to shift the focus of his show to spotlight the leaders who focus on value, giving first, and making sure their teams are well taken care of. Doug and Josh discuss how the working culture of business is changing, and that engaged and dynamic leaders need to adapt and embrace this change. Doug explains that he is looking to interview and celebrate founders and CEOs who have on-the-ground, tangible experiences and stories to share. If you're a founder or CEO who is value-focused and puts your people first, please apply to be a guest on the show HERE.

Doug is the host of the Terminal Value Podcast and the Founder & Principal for Terminal Value Consulting. His career began with 20 years of progressive leadership experience in corporate Finance and Technology. He attained a Master of Business Administration (MBA) alongside his wife while both were working full-time. He served in the Marine Corps Reserve while in college and at the beginning of his career. During this time, he engaged in a continual string of ‘side hustle' entrepreneurial ventures. All of these experiences gave him the tools to succeed and to help others succeed as well.For additional information, visit: https://terminalvalue.biz/

Alexa: Hmm... not sure Our guest Doug Utberg can tell us all about it. He is the host of the Terminal Value Podcast. We talked about how he became the podcast host and business consultant that he is.   Website

Alexa: Hmm... not sure Our guest Doug Utberg can tell us all about it. He is the host of the Terminal Value Podcast. We talked about how he became the podcast host and business consultant that he is.   Website

Getting frustrated finding talent or a job? Today Shannon Peel talked with Doug Utberg about how leaders can build world class teams. They talked about the hiring process, bringing people together, communication, and the ultimate time suck - meetings. Efficient and productive teams need the right. people and a flexible work environment to ensure people can focus on the tasks at hand and not on water cooler conversations. If you are hiring people, leading teams, looking for ways to increase efficiency and productivity at work, this is the episode for you. Download the That's Life eBook to get started on changing your narrative from victim to hero --- Send in a voice message: https://podcasters.spotify.com/pod/show/brand-storytelling/message

In this episode, I speak with Doug Utberg on the topic of dealing with change, discipline, scaling rapidly and infinite perseverance.★ Doug's Bio: ★ My career began with 20 years of progressive leadership experience in corporate Finance and Technology. I attained a Master of Business Administration (MBA) alongside my wife while both of us were working full-time. I served in the Marine Corps Reserve while in college and at the beginning of my career. During this time, I engaged in a continual string of ‘side hustle' entrepreneurial ventures.Throughout my career, I at the forefront of influencing and implementing a consistent string of value and profit positive business decisionsThe thing that differentiates me in my current work is that I deliver guaranteed bottom-line results and use the financial resources I create to invest in my community. There are thousands of consultants and resourcing firms who fail to produce real value for their clients. I have seen the lack of results and exorbitant fees firsthand and decided to create a better way.Connect with Doug:https://www.terminalvalue.biz/

I talk with Doug Utberg about marketing. We really get into the weeds of Paid marketing, Social, email, drip campaigns, the whole 9 yards. If marketing interests you, this is a great episode to listen in on. You can find more about Doug here: https://www.terminalvalue.biz/ Doug comes a background in finance, and takes a practical, money-driven approach when it comes to effective marketing.

#0083 Top 3 Key Takeaways: The importance of finding a PROBLEM before trying to sell the SOLUTION - and why so many people get this backwards. Why understanding who IS NOT your audience is just as important as understanding WHO IS. Building an email list, and why it is one of the most crucial aspect of building and growing a brand that people trust.After spending several years working for the same company, Doug Utberg, like so many others, found himself let go from his job 2020.Rather than rebuilding himself up, fighting to gain trust of new bosses, and re-climbing that corporate ladder, Doug decided to build something of his own.In the episode, Doug shares a lot about what he's been doing to build MULTIPLE businesses since getting let go, and shares what has (and what hasn't) been working for him to this point.Are you ready to start your own podcast? Book a Call with Nick to find out how we can develop a plan to your new show launched in just 4-weeks!To get the links and resources discussed in this episode, head over to the Episode 83 Show Notes.If you enjoyed the episode, be sure to leave a review of the Nine-Five Podcast on Apple Podcasts.

Having Business Page, a bio what`s your brand all about, links on your Website,these are some of Marketing PR Hacks  that are not just useful for building personal brand but all the key to stand out among the rest.  One thing also to stand out among others brands is to catch the emotions of clients by having a funny branding or brands focuses on Charity. With these Ideas you can establish a strong online presence that will help building your personal brand. Learn more at https://www.moscovaenterprises.com Doug's business specializes in partnering with companies and non-profits to capture overhead cost savings without layoffs to fund growth and strengthen financial results. You can find the audio podcast feed at Doug Utbergwww.terminalvaluepodcast.com/episode/building-a-personal-brand-with-vickens-moscova You can find the video podcast feed at www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg Schedule time with Doug to talk about your business at www.MeetDoug.Biz

Having Business Page, a bio what`s your brand all about, links on your Website,these are some of Marketing PR Hacks  that are not just useful for building personal brand but all the key to stand out among the rest. One thing also to stand out among others brands is to catch the emotions of clients by having a funny branding or brands focuses on Charity. With these Ideas you can establish a strong online presence that will help building your personal brand.Learn more at https://www.moscovaenterprises.comDoug's business specializes in partnering with companies and non-profits to capture overhead cost savings without layoffs to fund growth and strengthen financial results.You can find the audio podcast feed at Doug Utbergwww.terminalvaluepodcast.com/episode/building-a-personal-brand-with-vickens-moscovaYou can find the video podcast feed at www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGgSchedule time with Doug to talk about your business at www.MeetDoug.Biz

Podcast: Terminal Value (LS 40 · TOP 2% what is this?)Episode: #38 Effective Financial Planning with Chad WilardsonPub date: 2021-06-01Notes from Pacific Capital's Podcast Playlist:"Stress Free Money" is available on Amazon. Click here http://shorturl.at/hyGX4Doug and Chad spoke about the importance of financial planning for people of all income levels.When building an effective financial plan, it is important to select the right partner. The best partners will tell you not just where to invest, but when to make decisions that will lower your costs that may result in less revenue for their practice. This is the true meaning of a 'fiduciary' relationship where the client's interests are placed first.Learn more at https://pacificcapital.com/Doug's business specializes in partnering with companies and non-profits to capture overhead cost savings without layoffs to fund growth and strengthen financial results.You can find the audio podcast feed at www.TerminalValuePodcast.comYou can find the video podcast feed at www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGgSchedule time with Doug to talk about your business at www.MeetDoug.BizThe podcast and artwork embedded on this page are from Doug Utberg, which is the property of its owner and not affiliated with or endorsed by Listen Notes, Inc.

There's a reason home prices continue to go up, and it's not because of a speculative bubble. Jason Hartman takes today's intro to examine some of the factors involved in the recent runup of real estate prices. The Jason joins Doug Utberg on The Terminal Value podcast to talk economics of the day. The two discuss how you truly grow wealthy in the United States, whether we're really in a low inflation environment, the impact of low interest rates, and more. Key Takeaways: [1:35] There's a shortage of EVERYTHING in the housing market [5:18] Why the bubble is still down the road [8:13] Rents are seeing immense upward pressure Doug Utberg Interview: [16:23] The REAL way you grow wealthy. There's only 2 ways. [22:29] There's more inflation that we're being told [28:28] When you adjust the numbers to current value, real estate has gotten cheaper the last 14 years [33:14] Low interest rates will kill supply in the coming years as people won't want to give up their low interest rate and move Website: www.JasonHartman.com www.TerminalValuePodcast.com

Jason Hartman joins Doug Utberg on The Terminal Value podcast to talk economics of the day. The two discuss how you truly grow wealthy in the United States, whether we're really in a low inflation environment, the impact of low interest rates, and more. Key Takeaways: [4:05] The REAL way you grow wealthy. There's only 2 ways. [10:11] There's more inflation that we're being told [16:10] When you adjust the numbers to current value, real estate has gotten cheaper the last 14 years [20:57] Low interest rates will kill supply in the coming years as people won't want to give up their low interest rate and move Website: www.JasonHartman.com www.TerminalValuePodcast.com

Doug and Jason discuss the impact of interest rates on the housing market and the impacts that will unfold when interest rates inevitably begin to rise. Episode sponsored by the Podcorn podcast sponsorship platform. https://my.captivate.fm/www.Podcorn.com (www.Podcorn.com) Learn more at https: https://www.jasonhartman.com (https://www.jasonhartman.com) Doug's business specializes in partnering with companies and non-profits to create value and capture cost savings without layoffs to fund growth and strengthen financial results.  You can find out more at http://www.terminalvalue.biz ( www.TerminalValue.biz) You can find the audio podcast feed athttp://www.terminalvaluepodcast.com ( www.TerminalValuePodcast.com) You can find the video podcast feed athttp://www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg ( www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg) Schedule time with Doug to talk about your business athttp://www.meetdoug.biz ( www.MeetDoug.Biz) [Music] [Introduction] Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC. [Sponsorship] Doug: Today's episode of the terminal value podcast is being brought to you by Podcorn. So for those of you who don't know, podcorn is a platform that aligns podcasters with sponsors so that people who are looking to get the word out for their brand can sponsor podcast episodes and so that podcasters can start to monetize their podcasts. And this is actually a really great pairing because the platform is super easy to use and it helps podcasts get themselves off the ground by offsetting your production costs and helping to pay to promote your podcast. What podcorn is really doing is getting the word out for independent voices such as myself and possibly such as you. If you've ever thought about getting your own podcast going head on over to podcorn.com and check it out. It'll be worth your time. So now onto the show. [Music] Doug: Welcome to the terminal value podcast. I am Doug Utberg and I have Jason Hartman on the line and this will also actually be on the creating wealth podcast which is Jason's podcast that has far more listeners than mine does at this current juncture. Of course Jason also has about a 13-year head start. So I've actually. Jason: Actually 15 years. Yeah so, so don't feel bad Doug nobody listened to my show in the beginning either. Doug: Yeah, exactly. Yes, he's a 15-year overnight success in the podcasting. Jason: Exactly. Doug: But I've actually known Jason for a really long time. He runs an extremely successful investment real estate company, but he does it a little differently because a lot of people like to invest in real estate in their own state but he you know. He but when he started the company he was in California and everything in California was ridiculously expensive. So he came up with the idea of investing out of state for cash flow in areas that have much more reasonable prices and much more. I guess you'd say rational relationships between rent and values so that you could get decent cash flow. Jason let me stop talking for a second and let you introduce yourself to the audience. Jason: Yeah, good stuff thanks Doug and it's great to talk to you and we'll do this as kind of a co-interview. You've been on my show many many times over the years and we've talked about a lot of interesting macroeconomic concepts and you always have really interesting views and angles on things so anxious to dive in and talk about the market, the potential bubble, that some are talking about and just some macro issues and real estate and how they all tie together. Doug: Yeah, absolutely. Well and because I think the thing is right you know in my heart I'm a value guy. You know I'm a kind of born contrarian right....

Doug and Robert discuss the process of creativity and the balance that must be found in order to reclaim it. As we discuss, the key word is 'balance' ... most of us don't have the luxury of stopping our life to become creative. Unlocking our inner creativity requires finding a balance of daily life and new pursuits. Learn more at https://robertabelle.com Doug's business specializes in partnering with companies and non-profits to create value and capture cost savings without layoffs to fund growth and strengthen financial results.  You can find out more athttp://www.terminalvalue.biz ( www.TerminalValue.biz) You can find the audio podcast feed athttp://www.terminalvaluepodcast.com ( www.TerminalValuePodcast.com) You can find the video podcast feed athttp://www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg ( www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg) Schedule time with Doug to talk about your business athttp://www.meetdoug.biz ( www.MeetDoug.Biz) [Music] [Introduction] Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC. Doug: Welcome to the terminal value podcast. This is Robert, we have on the line. Although his screen name just screen name on zoom does not say Robert so I had to I couldn't cheat I had to actually be had to remember and but what Robert focuses on is actually helping authors with book launches. But, what we were actually going to talk about today is really how um how authoring a book while some people kind of feel like it's maybe quaint or outdated is actually still a really important part  of generating authority as a thought leader. So Robert don't let me talk the whole time definitely introduce yourself and let's yeah let's just kind of start a dialogue.  Robert: Alright, great yes that's what happens when you have too many zoom accounts and you log into the meeting with a different one so that's that's on me. So I'm happy to be here. My name is Robert Bell, I professionally I'm a qualified accountant  but I branched out to break through the spreadsheets. I am a speaker, I am an author, I'm a coach, I am all things transformational. My focus is just to help people who are busy and unsatisfied with life live very abundantly. Doug: And so that's actually I have a little bit of connection. There so my background is actually in finance and accounting particularly for technology companies and on the IT and systems side. So, It's kind of funny how yeah, there's just this inner desire to kind of break free from the spreadsheets. I mean, don't get me wrong I still like doing like doing detailed dorky analysis but uh but yeah there's definitely a lot of life outside of corporate IT accounts.  Robert: Definitely, I can relate to that. I might, I still as I said carry the brand of an accountant although, I'm a champion of creativity now which is like the other end of the spectrum but I still carry my badge very proudly because you know what I believe that you know our professions, our qualifications, they're just one aspect of identity. So it's not, you're not who you're not someone because of the profession you do you're someone because of what you do. So yes, I might be an accountant but I also create. Doug: Alright. Robert: So I'm a creative regardless whether I'm a content or engineer. Doug: That is, that's outstanding. Well, let's see. So let's actually kind of let's explore that a little bit kind of going from you know a traditional left brain linear type of role like finance or accounting or even like something like engineering. I think that would be another thing that would be very, very analogous into a more creative realm just because like for example if you're going to publish anything whether it's articles, blogs, books,...

Doug and Mike talk about the current dynamics of capitalism in reference to his book: 'Is capitalism sustainable?' The core conflict Doug and Mike discuss is the fundamental conflict between public policy and private enterprise whereby there is an adverse incentive for business leaders to take advantage of government programs that are not broadly beneficial, but produce narrow benefits. The core conflict is that if these managers do not participate, their board of directors have every incentive to replace them with other managers who will. Doug's business specializes in partnering with companies and non-profits to create value and capture cost savings without layoffs to fund growth and strengthen financial results.  You can find out more at http://www.terminalvalue.biz ( www.TerminalValue.biz) You can find the audio podcast feed athttp://www.terminalvaluepodcast.com ( www.TerminalValuePodcast.com) You can find the video podcast feed athttp://www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg ( www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg) Schedule time with Doug to talk about your business athttp://www.meetdoug.biz ( www.MeetDoug.Biz) [Music] [Introduction] Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC. Doug: Okay Welcome to terminal value podcast. I have Michael Munger on the line here. This is actually a little bit of a moment for me. Because I have actually been a long time listener to the econ talk podcast. Where Mike has been a regular and recurring guests and one of my favorite guests of course. I think one of the first episodes I listened to was with Milton Friedman and well you know it's hard to compete with Milton Friedman. But Mike here is a world-class okie dokie guy and he has written actually a number of books. But the one that I wanted to talk about today just as a part of the conversation is his book is capitalism sustainable. Because I'd like to talk about really what the future of capitalism looks like. And Mike I'd love to get your thoughts or just kind of tee up the conversation. But just what I'm seeing is that you know I think what people call capitalism really isn't capitalism. People think of capitalism as what we have in America and that is not the furthest thing from capitalism because you know for a work trip recently, I went to China and Shanghai. Let me tell you that is very far from what we have in America. But still it's what we have now is very not a free market. There are any number of things that are very tightly controlled and not allowed to freely float, largely just because of people's political fears. And so  what I would love to get your input on is how does this project forward into the future? And is there a way that we can get to that vision of greater prosperity and opportunity for everybody. That capitalism pretends but has a very hard time delivering on due to the externalities and inevitable inequalities. So I've talked enough, please share your thoughts. Michael: We make a distinction to begin with between markets and capitalism. So markets is a system of allocation and production that uses prices as signals about the relative value of resources. And one of the things that's complicated about large societies is that they have to have institutions to reconcile all of the conflicting plans and purposes of individuals. So I think I want to open a restaurant, you think you want to open a factory. We both want the same piece of land to do it, who should get it now? We could have a political process and vote on it, we could have some bureaucratic process. But in a market system then whoever will pay the most for it, must be about to create the largest value for society. So if I can use it for a restaurant and I expect...

Doug and Alex have an excellent discussion about podcasting and using podcasts to build a brand. At first glance, it can seem like the podcast medium is too crowded. However, Alex breaks it down by filtering out the inactive podcasts and the ones with less than 10 episodes published. The net result is a much smaller community than you might imagine of active podcasts. This means that now is an exceptional time to launch your podcast and build a personal brand. Learn more at https://creatingabrand.com (https://creatingabrand.com) Doug's business specializes in partnering with companies and non-profits to create value and capture cost savings without layoffs to fund growth and strengthen financial results.  You can find out more athttp://www.terminalvalue.biz ( www.TerminalValue.biz) You can find the audio podcast feed athttp://www.terminalvaluepodcast.com ( www.TerminalValuePodcast.com) You can find the video podcast feed athttp://www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg ( www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg) Schedule time with Doug to talk about your business athttp://www.meetdoug.biz ( www.MeetDoug.Biz) [Music] [Introduction] Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC. Doug: Welcome to terminal value podcast. I have Alex. Okay Alex I might butcher your name so forgive me here is a snap snap leaf snap Leo. Alex: Not even close. But hey I love this because nobody ever gets close, so I love just listening somebody like hey can tell me how to say it I'm like I want to hear you try first. It's Sanfilippo and very few people get it. Doug: Okay yeah. Alright I utterly and completely butchered it well. Mine's not burgets, it's you know not quite as easy to butcher but I've certainly had many of my own experiences. But anyway. Alex: I'm sure. Doug: I'm here to talk with Alex just about the podcast medium and podcasting for brand building. And this is of course a chance for Alex to promote his brand as well because he is the founder of pod match which of course is a podcasting basically a matchmaking service to find podcast authors and podcast guests. So I think the you know of course I'm going to give Alex a chance to promote his brand because that's a part of what we all do when we run podcasts. But really just want to have open conversation just about the meaning of the podcast medium and really what it's doing to media. And I thought Alex in our pre you know our pre-interview chat one of the things he said that I thought was really really profound is that a lot of people are really just looking for kind of feeling like there's somebody to be around because you know we're all kind of stuck by ourselves so with this with the rolling lockdown. So I live in Oregon which is in which has kind of never really gotten out of the idea that nobody's allowed to go anywhere. And of course right anybody who's on the west coast  it probably feels the same what number of other states have loosened up a bit but, yeah. Is this something I can only assume. This is something you've been noticing that a lot of people are just really feeling like they need to have some kind of voice in their life.  Alex: Yeah. Interestingly enough. First off I'm so glad to be here Doug. Thanks, thanks for having me. Doug: No problem.  Alex: And I did notice initially when all lockdown happened. I know this is not like a covid podcast or anything like that but I noticed there's about a 20 percent drop in podcast listenership and it wasn't just mine. I actually checked with some of the hosting providers. I have some relationships with the people that own them and they said in general was a big dip and they didn't think it was going to come back very quick and it...

Doug talks with Emily Garrick-Steenson about the role and importance of community support organizations such as Lutheran Community Services Northwest and 'A Family Place.' (https://my.captivate.fm/www.FamilyPlaceRelief.org (www.FamilyPlaceRelief.org)) The importance of these organizations to the most vulnerable population in communities is often extremely high and easy to overlook. Public support programs are stretched thin across the country and community support organizations like LCS Northwest and A Family Place step in to address a critical gap in helping at-risk families to stay self-sufficient and avoid the need for state intervention at a very high cost to the taxpayers. Doug's business specializes in partnering with companies and non-profits to capture overhead cost savings without layoffs to fund growth and strengthen financial results. Schedule time with Doug to talk about your business at www.MeetDoug.Biz [Music] [Introduction] Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC. Doug: Welcome to the terminal value podcast. I have Emily Garrick Steenson with me, and she is with Lutheran Community Services Northwest. And she specifically works with a service out of the Newburgh area called a family place. And one of the many things that they do is they actually do early intervention to basically to help keep families together and to help families figure out how to, you know, basically how to avoid needing to go through the system. And being a financial guy. I actually heard her first presentation on this at the local chamber. And what really struck me is the amount of cost avoidance just the magnitude of cost avoidance that you can create by avoiding needing to send just one person through the system, you know, as by going through the system. I mean, like juvie rehab, those types of things, because in a lot of cases, those get funded, publicly funded, I apologize. I'm slipping over my tongue here. And they cost a lot of money that most municipalities just don't have. Emily, please introduce yourself and help everybody else learn what you've taught me just about how impactful community organizations can be.  Emily: Sure. So, like Doug said, my name is Emily Garrick-Steenson. I am the marketing and events director for a specialist excuse me, for Lutheran Community Services Northwest and a family place. A family place is our program here in Yamhill County, not just Newburgh, but McMinnville. And we recently opened this year, a classroom in Sheridan, which is really exciting. And recently got to place a building on the property of the will of minus School District. So we are all across the county from the east most point to the west, which is really exciting.  Doug: I'm just gonna, I'm just gonna do a quick stop there. And so that is that is Yamhill County in Oregon, for the listeners who are out of state or possibly out of the country so and for people who are not in the United States, or who are from the east coast, Oregon is a state that's way over on the west coast, sandwiched between California and Washington, I like to say there's a state between Seattle and San Francisco, and that's called Oregon. And that's what we both live. Emily: That's true. And to be more specific, Yamhill County is known internationally as Oregon's wine country, which seems very posh and high end. But Yamhill County has this really unique mix of we play a little bit of suburbs to Portland, and the business community as well as bedroom community to people that work in the tech world for Intel, etc. But our specific county starts on the east end with that kind of bedroom community suburb feel, and goes all the way west into communities on the way to the coast. But every community in...

Political polarization has become an unfortunate fact of life. This has been accelerated by social media selectively banning certain voices while allowing others to continue unfettered. The result has been that all forms of two-way conversation are almost completely non-existent online. The current trend of hyper-polarization is clearly unsustainable, but nobody seems to know how to get from where we are now to a more civil future. Doug & Bill have a recommendation that is surprisingly simple. Learn more at https://www.billpost.com/ (https://www.billpost.com) Doug's business specializes in partnering with companies and non-profits to create value and capture cost savings without layoffs to fund growth and strengthen financial results.  You can find out more athttp://www.terminalvalue.biz ( www.TerminalValue.biz) You can find the audio podcast feed athttp://www.terminalvaluepodcast.com ( www.TerminalValuePodcast.com) You can find the video podcast feed athttp://www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg ( www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg) Schedule time with Doug to talk about your business athttp://www.meetdoug.biz ( www.MeetDoug.Biz) [Music] [Introduction] Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC. Doug: Welcome to the terminal value podcast. I have Representative Bill Post with me today and so Bill is actually the representative in the Oregon Legislature who represents the town where I live in Newburgh. What I feel is a very topical conversation is you know, as we're recording this. Recently there have been decisions by either Facebook or YouTube or twitter or a number of social media sites to either you basically to either de-list a number of people or to you know not to cancel accounts. And some people are concerned that this is a huge. This is some sort of huge imposition of free speech. So Bill has a very unique perspective because he spent four decades in radio and so he his perspective is actually pretty similar to mine in that people are really overestimating the broad importance of social media and that real interaction still has to happen between people and so because just an excellent conversation we had right before we started recording was about how you know the the people who are dominating the radio. As far as talk radio like actually listening to it on the airwaves are still Rush Limbaugh and Glenn Beck and they learned how to hone their craft in the 70s and 80s when there were a lot of the pieces of the art that were taught that are really are lost now and that really just fascinated me. And Bill I'd love to love to hear your thoughts or get your input. Rep Bill:  Sure, yeah I mean I started my first radio job in 1978. My first and I was still in high school. My first full-time real gig was 81 and it was in top 40 radio and you got to remember we were still using real real tape. We were using obviously 33 and 45 rpm records and we used what were called carts which if you've never seen one most people haven't they look like if you can remember eight tracks. They look like an eight-track but they were they actually were two-track. Start and stop, that's the tracks and they were 30 seconds 60 seconds or whatever time you had on the tape. And those so there were there was a skill that you had to learn in that. If those things didn't work what did you do? It was live radio; you didn't have a computer to back that thing up or a satellite to pull in another signal or anything like that. So, so those of us who grew up in that era of radio. We were taught how to think very quick on our feet because I'll give you a really amazing example. We used to get our news at the top of the hour there's people asking me, Why is news...

During 2020 there was quite a bit of attention on Law Enforcement and Equity. Starting with the George Floyd tragedy in Minneapolis, there were a string of protests and riots that erupted due to the display of equity disparities and their impact on society. One of the things that can be done to address this is by incorporating advanced monitoring technology for the protection of both the people law enforcement interacts with and the officers themselves. Brandon Walcott (https://www.linkedin.com/in/bwalcott/ (Brandon Walcott | LinkedIn)) works for GeTac video solutions to fill this gap and help bring equity to Law Enforcement through Technology. Learn more at https://getacvideo.com (https://getacvideo.com) Doug's business specializes in partnering with companies and non-profits to create value and capture cost savings without layoffs to fund growth and strengthen financial results.  You can find out more athttp://www.terminalvalue.biz ( www.TerminalValue.biz) You can find the audio podcast feed athttp://www.terminalvaluepodcast.com ( www.TerminalValuePodcast.com) You can find the video podcast feed athttp://www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg ( www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg) Schedule time with Doug to talk about your business athttp://www.meetdoug.biz ( www.MeetDoug.Biz) [Music] [Introduction] Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC. Doug: Okay welcome to the terminal value podcast. I have Brandon Walcott with me today and Brandon has the auspicious honor of having been an intern that I brought on board back when I was at Intel in 2016. And depending on when you're listening to this that may seem like a really long time ago or maybe or it may not and incidentally he was actually referred to me by his grandfather when I was working with my wife doing a fundraising auction for our kids school. But Brandon's actually a really clever guy. He's been an entrepreneur since he was what probably about 10 or so doing something or another and what he's actually doing right now is in the technology business specifically for law enforcement. And I thought that bringing technology using technology to help bring transparency to law enforcement especially with all of the stuff that's been going on between the you know between of course the unfortunate incidents with a number of people who've been involved in some of these officer incidents. And you know the riots and all of that kind of stuff Brandon I'd love give everybody an intro and tell us a little more about what your company does and how you're really helping to bring that transparency into the law enforcement sector. Brandon: Yeah thanks so much Doug and yeah when you look back on it 2016 that's five years ago now it's pretty wild. Doug: I know. Brandon: To think of the journey since then and how much I think we both have grown which is pretty exciting. But yeah so, so my background before I get to gtac video solutions is the company I work for right now, like Doug said I've always been interested in technology and very young age entrepreneurship. At the age of 15 I had a choice: do I want to mow my neighbor's lawn for five bucks or fix their computer for 50 bucks. One of those involved getting really sweaty and taking hours and hours and the other took me 15-20 minutes and I got paid a whole lot more. And so I kind of turned that opportunity into a business and then morph that into an msp where I work with a number of businesses in the Portland Oregon area and allowed them to enable technology to further their business and then increase their value propositions through the integration of various technological means. And then I went to college and joined Doug as an intern at intel which...

Napoleon Hill first wrote about the mastermind principle over 80 years ago in his classic book 'Think and Grow Rich.' Aaron is taking Hill's classic lessons and taking them to the next level as a leader & participant in multiple mastermind groups that propel success-minded people to even greater heights of achievement. It is almost impossible to underestimate the impact of positive, constructive association. Consciously executing the mastermind principle in your business and life is an exceptional way to ensure continued, growth-oriented interactions that propel everybody in your circle of influence to greater heights. Learn more at www.ViewFromTheTop.com You can find out more at http://www.terminalvalue.biz ( www.TerminalValue.biz) You can find the audio podcast feed athttp://www.terminalvaluepodcast.com ( www.TerminalValuePodcast.com) You can find the video podcast feed athttp://www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg ( www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg) Schedule time with Doug to talk about your business athttp://www.meetdoug.biz ( www.MeetDoug.Biz) [Music] [Introduction] Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC. Doug: Welcome to the terminal value podcast. I have Aaron Walker with me.  So Aaron it's, it's hard to say exactly what Aaron does. He is a man of many, many talents. He is of course known mostly for his, a view from the top, book and series. But, what I actually brought him on here to talk about was the mastermind concept originated by Napoleon Hill will not originate it but popularized by Napoleon Hill, as well as many of the other really important parts of building a successful business and becoming a successful leader. Aaron, please introduce yourself to audience. Aaron: Hey Doug, thanks for having me on, man. I really appreciate it. I'll give you a 30,000 foot view. I won't bore your audience too much. I hope I'm a native Nashvillian live in Nashville, Tennessee. Doug: Outstanding: Aaron: My 60th year here. I love it in Nashville. People ask me all the time on interviews. If you could live anywhere you wanted, where would you live? And I said, well, I can live anywhere I want. And I do. And it's Nashville, Tennessee. I love it here started my first business at 18, 42 years ago. And I've been an entrepreneur since we've started. And so 14 different businesses. I retired for the third time when I turned 50, 10 years ago, and then a mastermind that I'm in with Dave Ramsey and Dan Miller and some of those other guys, they encouraged me to coach. So I started coaching fell in love with that process. Today we have 20 masterminds, we're in nine different countries and we absolutely are having a blast. Helping people live a very successful life and significant life. And so I've got a journey a little bit along those lines that I can share a little later how the paradigm shift changed for me and how I went from really self focused to outward focus.  Doug: Okay. Aaron: It really changed my life. Doug: Well, I've actually found that a lot of the most successful people and by successful, I don't just mean raking in tons of money, but the most successful people, as far as having, you know, having real whole, fulfilled lives really make that outward, outward focused shift. You know, in a, in the rotary, organization, that I'm a part of, you know, their, their motto is service above self, you know, which I think is, you know, it's a clever slogan, but at some point you really, you, you, you really get there on your own if you're going to live that fulfilled life, you know, because the thing is, if you're just chasing after dollars, there's always more dollars to chase after, and you'll just find yourself working...

There was a time when marketing options for small businesses were terribly limited. In the 1990's, only mid-sized companies and larger enterprises could afford to produce a professional looking promotional video. The economics have change radically in the past two decades, and there are more options available to small businesses than ever before. Doug and Bryan discuss the dynamics of creating quality video marketing content for your business. Learn more at https://junglemedia.com (https://junglemedia.com) Doug's business specializes in partnering with companies and non-profits to create value and capture cost savings without layoffs to fund growth and strengthen financial results.  You can find out more athttp://www.terminalvalue.biz ( www.TerminalValue.biz) You can find the audio podcast feed athttp://www.terminalvaluepodcast.com ( www.TerminalValuePodcast.com) You can find the video podcast feed athttp://www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg ( www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg) Schedule time with Doug to talk about your business athttp://www.meetdoug.biz ( www.MeetDoug.Biz) [Music] [Introduction] Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC. Doug: Welcome to the terminal value podcast. I have Brian Groves with me today and he is actually the owner of Jungle Media where he actually he specializes in helping small and medium businesses create video marketing. And I actually have them online on here today  to just talk about the evolution in video production because what we were just talking about before the call is how in 1996 which isn't that actually a little while ago but not that long ago. If you wanted to do any kind of video project at all the cost started at about fifteen thousand dollars and went up from there rapidly. But what's happened is that the cost of creating really pretty high quality video has come down considerably and that's really just changed the whole dynamics of the video marketing industry. You know now of course the one of the things you also have to contend with is that there's a lot of people who are just doing point-and-shoot videos with their iPhone or with their Samsung and a lot of this is proliferated onto YouTube. And so Brian I'd love to get your input, your thoughts and also to help the listeners understand what are the things that make for really compelling video marketing. Brian: Okay, sure yeah. I think how it might be easiest to begin is to break any kind of content. For marketing purposes that has video as part of it into several categories of how they're used and it's useful I think when you're talking about what your budget should be? or what kind of equipment you should be using? or what quality you need to remember that there's a difference between these three different categories. The first category which has been around forever is what I call immediate content. So this is the typical on tv mattresses are on sale. This weekend 50 off  that piece of content announcing the sale of something is very immediate. It's very perishable. It's something that is only useful for a very short period of time so that's the typical commercial. Hey there's a sale this weekend come on down we've got we've only got six left or whatever it is that sort of thing. Doug: Yeah. Generally speaking I've noticed that the more immediate your your content generally speaking the less effort gets put into production value just because it's going to be obsolete in a week anyway. Brian: Right and I'll talk about that in a second because there's levels of what is needed in any of these three categories or. Doug: Gotcha. Brian: Levels that can be contained in any of the categories but immediate just means you're...

Doug talks with Sister Adele Marie Altenhofen from the Sisters of Saint Mary in Oregon. The organization runs a convent, a school spanning from pre-school up through high school, and a senior care center. Doug and Sister Adelle Marie discuss the dynamics of running a mission-driven organization and the challenges that have been overcome during COVID as the guidelines constantly changed. Doug's business specializes in partnering with companies and non-profits to create value and capture cost savings without layoffs to fund growth and strengthen financial results.  You can find out more athttp://www.terminalvalue.biz ( www.TerminalValue.biz) You can find the audio podcast feed athttp://www.terminalvaluepodcast.com ( www.TerminalValuePodcast.com) You can find the video podcast feed athttp://www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg ( www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg) Schedule time with Doug to talk about your business athttp://www.meetdoug.biz ( www.MeetDoug.Biz) [Music] [Introduction] Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC. Doug: Welcome to the terminal value podcast. I have Sister Adelle Marie with me from the Sisters of Saint Mary. The campus in Beaverton Oregon which incidentally is where both of my kids go to school. My daughter Jada and my son Nolan. I won't say their ages but if you know me you probably know how old they are. They are both enrolled at the Sisters of Saint Mary's school. However, there are also some other ministries that go on as there as well which is they have a convent which is where Sister Adelle Marie lives with. Was it 49 other nuns? Sister Adelle: Approximately yes. Doug: Approximately yes. There's 42 there are 49 other nuns and they also run a senior care home called Maryville. In addition to having housing for retired clergy and Sister Adelle Marie she is actually the financial director. So she has quite a bit on her plate and she's graciously decided to come and talk to us just about the mission and the and then the resiliency they've shown in trying to figure out how to adapt to the covid reality and it's actually very timely conversation because as of the time of this recording the governor of the state of Oregon put a new set of restrictions on reopening schools. So you know, they the sisters are saying all right well that's okay we didn't want to celebrate Christmas anyway. We're just gonna be in meetings all the time. So Sister Adelle please welcome and yeah please tell us a little bit about your ministry over at the campus. Sister Adelle: Certainly. So I am what we call my role is called the President of the Sisters of Saint Mary of Oregon Ministries Corporation and as noted we have several ministries on our campus. The school was founded clear back in the early 1900s we were known then as Saint Mary's and then it changed the St. Mary's Institute and then it became at some point in the line Saint Mary of The Valley Academy and then changed to Valley Catholic. So Valley Catholic school on our campus actually serves babies as young as six to eight weeks all the way up through our seniors in high School and we have about a thousand students on our campus. So usually, usually they're all on our campus right now they've been doing digital learning as was noted. Then we have Maryville Nursing facility. It has residents up to a capacity of 165 residents there and then another 15 in our memory care unit as well. Doug: That's quite a bit of capacity. Sister Adelle: Exactly. So right there at Maryville, we have you know another 100 up to about 180, 81 residents that can be served on campus and as with our mother house is there. We are about 50 sisters living in the mother house. We have a few small houses on the campus also where some...

2020 has been quite a year ... Doug provides his thoughts looking back on the year and insights for the year to come. To cap it off, Doug wishes everybody a merry Christmas and happy New Year. Doug's business specializes in partnering with companies and non-profits to capture overhead cost savings without layoffs to fund growth and strengthen financial results. Schedule time with Doug to talk about your business at www.MeetDoug.Biz [Music] [Introduction] Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC. Doug: Alright! Welcome to the terminal value podcast. This is actually a special holiday edition where of course as I'm sure you can tell I don't have anybody interviewing. I am just going to be talking to you all by my lonesome reflecting on 2020. Now if there is one thing that 2020 is most assuredly going to be known for it is the pandemic. The covid 19 pandemic is pretty much the item of the year. I think very closely associated with it and related to it is the US presidential election between Donald Trump and Joe Biden. Much of which centered on the covid 19 pandemic and so when I look back at the year, there're a couple of things that I think about. And there's a few thoughts I wanted to, that I want to take forward and I wanted to share those with you. So the first thing that I think of is that okay now first of all is that I'm you know any loss of life of course is tragic. But what I just can't really get past is how there's been a laser focus on mortalities from covid and a complete and total lack of acknowledgement of anything else. So for example one of the things that I saw recently is that although the covid fatalities have been going up fatalities from other causes mortalities from other causes have been going down because what happens is if somebody goes into a hospital and they get diagnosed with covid and they should die even if it wasn't because of covid. If they died with covid, it is logged as a covid death. So you'd say well why is this? Well it turns out there's a financial payment reimbursement for covid. So there is a financial incentive to document more mortalities is covid. Now, do I believe that it's a vast conspiracy? of course not. Do I believe that the numbers are maybe not as that there's some wiggle in the numbers or that they're fuzzy? Absolutely. And another thing that actually really concerns me just personally is that mental health really isn't getting enough attention and I think that it's actually going to be a huge problem. Suicide rates in a number of areas are very very high. Your drug addiction rates are going up. Alcoholism rates are going up. Depression rates are going up.  You know the fact that so many kids are being stuck at home and not able to go to school. That's a big problem and if you're an affluent family it's only a problem in terms of scheduling because like for example my wife and I, we have two kids and they have been at stay-at-home school for the entire year and that create that is not the most conducive environment for learning. We're fortunate to have a home where we can have a setup that's pretty easy to do school in but it's not easy to learn from your parents. You know, it's not easy to have  that lack of separation between where you're doing school and where you have your home activities. But think about how this would work for somebody who has a rough home life. I read a wonderful article from Alonzo Morning in Miami about shortly after the pandemic broke where he was talking about how when he was young the reason why he got so good at basketball is because he spent all day when he wasn't at school at the local basketball court. And the reason why is because he his mom had an abusive boyfriend and both...

Doug talks with Dr. Debby Thomas - The dean of the George Fox University school of business administration about the decision to hold the fall semester onsite and its associated challenges. The objective of higher education is not only learning content. Interacting with professors and students is a critical part of creating a rounded experience that prepares students for the outside world. [Music] [Introduction] Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC. Doug: Welcome to terminal value podcast. I have Debbie Thomas from George Fox University. She's actually the dean of the school of business and we are co-Rotarians in the Newberg noon Rotary Club and what George Fox did this fall I actually thought was very courageous. They decided to hold a school on campus instead of deciding that everybody was going to go virtual. This was a stark departure from what a lot of universities have done and for me I appreciate the willingness to go against the grain. I'm a you know and in my soul I'm definitely a contrarian at heart and so I just really like to hear these stories and Debbie I'd love to just discuss what's the experience been. Like how have you made the adjustments and how did you come to the decision. Debby: Yeah well, first of all I am the dean of the college of business and the decision was made way over my head right. So I got to implement the decision but I didn't make the decision. So I can't take any credit or blame for the decision but, I know why the decision was made and it's really that what we have to offer at George Fox University is a small private Christian University  and what we are offering in education is more than just going to class. And so it's really a life-forming experience right. There's a  life transformation that we want to be happening and that has to do with your classes and all the spiritual life types of things that happen on campus and all the activities and the sports teams and right. It is a life transforming experience and so going to zoom means oh you're going to get your classes but it's not the whole experience that George Fox is trying to put together and so it was the decision was made very carefully of course but also recognizing that we really want to be able to give people that whole transformative experience. Doug: Yeah, I think that. So I am 100 percent in agreement with that because yeah I think that it's at least I guess you. To me it's like if you're gonna because if you're only going to learn over zoom then you might as well just watch stuff on youtube because the effect is going to be pretty much the same. Because yeah, I think the transformative effect of school has to do with the internet is the interaction with other people. It's I mean just yeah just the content you can find on the internet for free. It's the internet. It's interaction that really makes the difference you know. That's the thing that's going to you know that will help people to become transformative people to develop and implement ideas to be able to influence people to  adopt the course of action. That's at least. Debby: Yeah. Doug: That's one of the things that I found in my career is that coming up with good ideas is not that hard. Influencing other people to implement an idea that isn't theirs is extremely hard. Debby: Right and you know Doug one of the interesting  things is we went face to face for the very purpose of being together and experiencing things together and yet we had so many restrictions on us right. Doug: Yeah. Debby: So right up until about 10 days before classes started. Everything was set at the university they had a team like everything was up to snuff and ready to go and about 10 days before we started the...

Doug talks with Josh Duder - The Executive Director of the Chehalem Valley Chamber of Commerce about the importance of buying local and local entrepreneurs to a vibrant economy. In addition, entrepreneurs have the courage to fail and the tenacity to start over until they find success. As we go through the impacts of COVID, many local entrepreneurs are figuring out how to adapt to the economic hardships brought on by the shutdown orders. One of the ways we can all help is to prioritize shopping and dining locally so that we support the people in our community in their efforts to drive a recovery. Another item that Doug and Josh shared in common is that they both served in the US Marine Corps concurrently at the 6th Engineer Support Battalion HQ in Portland, OR. You can connect with Josh at: josh@chehalemvalley.org Doug's business specializes in partnering with companies and non-profits to create value and capture cost savings without layoffs to fund growth and strengthen financial results.  You can find out more athttp://www.terminalvalue.biz ( www.TerminalValue.biz) You can find the audio podcast feed athttp://www.terminalvaluepodcast.com ( www.TerminalValuePodcast.com) You can find the video podcast feed athttp://www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg ( www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg) Schedule time with Doug to talk about your business athttp://www.meetdoug.biz ( www.MeetDoug.Biz) [Music] [Introduction] Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC. Doug: Welcome to the terminal value podcast. I have Josh Duder on with us and so Josh I actually share a connection that you might not know. But just by looking at us  since we're both old now but we both served in the marines. The marine corps me and the reserve Josh is a permanent personnel at a very similar time. Josh has a far more cool marine background than I do. I think I spent my whole time as a reservist and he did cool stuff like  you know fast rope insertions out of helicopters into buildings. But right now Josh is the executive director for the Shah Alam Valley Chamber of Commerce. Josh told me did I say that right. Josh: Yeah, yeah. Good, good one. It is the executive director the previous three people that were the executive position were considered the CEO and with the last turnover the board of directors wanted to make a title change just to sort of go with a culture change and that isn't it detract from the efforts of the last person but maybe it's a it's an effort to re-engage with the board. Doug: Yeah. Josh: And encourage them to feel enfranchised. Doug: Gotcha, gotcha. Well so one of the things that Josh and I would like to talk about today because of course I'm a member of the Chamber of Commerce also one of the chamber ambassadors but what Josh and I would like to talk about is just the importance of local business, the local economy and local entrepreneurs. You know one of the things that I'm an art believer in is that reality happens locally. I know that whenever, If you go on Facebook or any of the other news sites you're going to see national global whatever. If you're in the state of Oregon like we are you'll see stuff from the governor's office all the time because the governor's office is always doing weird stuff but the truth matters what happens in your community generally speaking is what's most impactful to your life. Whether it's your community organizations, schools etc. and so I know one of the things that we're really doing as a part of our Chamber is we're really encouraging. I think after thanksgiving we called it shop local Saturday which was encouraging people to go out and do some of their holiday shopping locally instead of just buying

Insurance is a topic that most people avoid talking about because it feels very boring and involves the thought of loss. The thing that people need to understand is that Insurance is a necessary part of life and that strange things have a way of happening at very unfortunate times. This means that being prepared for catastrophic events is a critical part of life. To be properly prepared, we must first become educated. Kevin and Doug talk about how insurance works and provide some practical tips for optimizing your profile to ensure you carry the coverage you need at the lowest total cost possible. Kevin Baty is a broker for Hagen Hamilton Insurance Solutions. Connect with him at: Kevin@haganhamilton.com Doug's business specializes in partnering with companies and non-profits to create value and capture cost savings without layoffs to fund growth and strengthen financial results.  You can find out more at http://www.terminalvalue.biz ( www.TerminalValue.biz) You can find the audio podcast feed athttp://www.terminalvaluepodcast.com ( www.TerminalValuePodcast.com) You can find the video podcast feed athttp://www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg ( www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg) Schedule time with Doug to talk about your business athttp://www.meetdoug.biz ( www.MeetDoug.Biz) [Music] [Introduction] Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC. Doug: Here and Kevin Baty has the auspicious honor or maybe you wouldn't say it that way.  Depending on who you are of being my insurance agent because we are going to talk about some insurance dynamics today because in my conversations with Kevin I actually learned a lot of things that were a little counterintuitive and I thought that those would be good things to share with people just because you know insurance is kind of you know a murky subject and a lot of people feel like it's pretty boring. And you know while it's not necessarily the thing that lights everybody's fire so to speak. There are some insurance things that you really should know about and I'm just gonna let one of the cats out of the bag first. The one that surprised me the most is if you see a deer crossing the road instead of swerving you're actually supposed to just plow right into the deer because if you swerve and hit a tree that's a collision claim that goes on your record. If you just hit the deer that's a comprehensive claim that doesn't change your rates and I know about that thanks to this guy right here. Kevin welcome to the terminal value podcast.  Kevin: Thanks for having me Doug, very excited to be here and yeah the misnomer with a deer like I mean you feel for it. You don't want to. Doug: Oh right. Kevin: Damage your vehicle or anything but you know it's kind of tough to tell clients that if you see a deer on the road and you can't stop you just have to plow through it for your insurance safety pretty much because if you plow right through it's covered under comprehensive coverage and you know. Yes it's a claim but there's not a surcharge with it like there would be is if you left the roadway to swerve to miss a deer and you total your vehicle anyways well now it's an at-fault accident because you left the roadway. So lots of claims are paid out every year especially in Oregon, Washington and all across the united states on claims for people hitting deer and it's in the multi-millions of dollars it's just. Doug: Wow that is wow. Kevin: So when in doubt I mean easier said than done. I even you know I'm an avid hunter. Doug: Yap. Kevin: And I don't want to plow through a deer. Doug: Oh no no nobody does. But that's yeah that's that's one of the things that's that yeah that one surprised me....

Career changes are an inevitable part of life. The way we deal with these transitions will guide the way our life unfolds. Doug and Michelle discuss the dynamics of careers in the current economic environment and the factors that press many people into career transitions. When these career transition points come, it is important to embrace the challenge with an open mind and can-do attitude. Michelle helps people who are going through career changes to find entrepreneurial opportunities that are a fit for their personal and professional background. You can connect with Michelle at mcharles@esourcecoach.com Doug's business specializes in partnering with companies and non-profits to create value and capture cost savings without layoffs to fund growth and strengthen financial results.  You can find out more athttp://www.terminalvalue.biz ( www.TerminalValue.biz) You can find the audio podcast feed athttp://www.terminalvaluepodcast.com ( www.TerminalValuePodcast.com) You can find the video podcast feed athttp://www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg ( www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg) Schedule time with Doug to talk about your business athttp://www.meetdoug.biz ( www.MeetDoug.Biz) [Music] [Introduction] Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC. Doug: Welcome to the terminal value podcast, I have Michelle Charles on the line. Michelle is actually an entrepreneurial career consultant. And she has the auspicious honor of being the person who initially presented expense reduction analysts to me, which of course is my core business and helping companies, nonprofits, education institutions, reduce their overhead costs, you know, without you know, without needing to resort to layoffs to do it. And so Michelle actually brought her on line, because we're going to talk today about about people's career, and the, you know, the the bumps in the road that a lot of people run into. Michelle, please tell us about yourself a little bit. Michelle: Oh, hi. Hi. Great to be here. Thank you, Doug. Well, I am a career or worship coach, I grew up, I was born in a tiny island about Trinidad in the West Indies, migrated to the United States, I eventually joined the military. And once I retired to the military, I was living my next step, after 25 years, and I decided, you know, I always had an entrepreneurial drive the motivations for, that's what I wanted to do. And that's where I started exploring Priyanka. And I found a path that led me to, that's quite my life.  Doug: Yeah, that's outstanding. Yes. And first of all, for 25 years, and it was in the army, correct?  Michelle: Correct. Yes. 25 years. Doug: 25 years, the US Army, thank you very much for your service, and quite a bit of it at that. Michelle: Thank you, as well to your service. Doug: I guess so yes, I was also in the Marine Corps Reserve, not for 25 years only for six. But but still those. Those can be long years?  Michelle:  Oh. Definitely.  Doug: So Michelle, tell us a little a little bit about some of the things that you've observed in, in helping career coach people. I mean, just because I can tell you what I've what I've observed. But people on the podcast hear enough of me talking and they want to hear you. Michelle: Well, I found that in light of the recent pandemic, a lot of people being forced out of their comfort zones, and they're exploring alternative career options, and just basic self sufficiency.  Doug: Yeah. Michelle: And they now at this point in life, they want to be more in control of their lives, their destiny, their jobs, because the job market is so uncertain that all the. The trouble is happening. Doug: Yeah. Michelle: So I'm...

Doug and Kristi discuss the impact of profiling in the data sets used to train algorithms and the extended impact to decision making. This is a topic of particular interest to both of us due to our respective passion for data analytics. One of the most prescient points that comes out of the discussion is true degree of difficulty for creating an objective data set for the purpose of training predictive algorithms. Doug's business specializes in partnering with companies and non-profits to create value and capture cost savings without layoffs to fund growth and strengthen financial results.  You can find out more athttp://www.terminalvalue.biz ( www.TerminalValue.biz) You can find the audio podcast feed athttp://www.terminalvaluepodcast.com ( www.TerminalValuePodcast.com) You can find the video podcast feed athttp://www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg ( www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg) Schedule time with Doug to talk about your business athttp://www.meetdoug.biz ( www.MeetDoug.Biz) [Music] [Introduction] Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC. Doug: Okay, welcome to the terminal value podcast. I have Kristi Yuthas, on the line or with us today and Kristi and I actually worked together a couple of years ago, teaching a finance information systems class at Portland state university. And Kristi  is very generously, even wanting to talk to me again after that experience, which I thank her greatly for. And what we would like to talk about today is actually analytics, particularly the advent of profiling or racism and analytics and what we can do about it. Kristi, welcome. Kristi: Thank you, Doug. And let me just say, I miss you in the classroom. That's really fun. Doug: It was, it was a very, it was, it was very illustrative. It was my first time teaching a class and I had, I came in with these great, these, these great thoughts of students who will be yearning for knowledge. What I found was that, not all but many really just wanted an instruction sheet for getting an A, so they could get out of class and go on. Kristi: You know but I were, the that was the most dynamic, the night class. I've seen you know, these kids work all day. They go to class at night. Doug: Yeah. Kristi: And you just kept me and everybody else. Doug: Yes, I remember I did tell a lot of stories.  Kristi: Great. Doug: Yeah, that, that, that class was a lot of fun. We will definitely have to find, find some time to teach together again in the near future. But one of the things that, Kristi  has been doing quite a bit of work with is accounting analytics, because I think the data science of course, is really pervading everywhere really. But I think data science is getting is becoming especially important in the accounting profession because it's thing it's, you know, it's really impactful in ways how different ways to, you know, either forecast results or to test for potential control gaps or test for fraud. But that's actually not what we're going to talk about today. What we're going to talk about today is the place where data and analytics can actually get us into trouble because there've been some times when analytic algorithms have actually resulted in profiling, that is really not fair to the individual. Kristi, would you take it away from there after I served you up a nice juicy softball over the plate? Kristi: Oh my goodness. There's so much to talk about here, but, but just in terms of just even any basic analytics, so we get wrapped up a lot in the tools and in the coding or in the statistical analysis, and we really are likely to lose the whole context. You know, we just forget these are real people, these are real situations and we...

Independent Journalism is a critically important part of maintaining a democratic society. Unfortunately, it seems that media has become increasingly dominated by a handful of major corporations and technology companies. In many cases, local journalism is the only remaining bridge to create an independent voice. Doug and Mark talk about the dynamics of local journalism and its importance to the community's overall health. Doug's business specializes in partnering with companies and non-profits to capture overhead cost savings without layoffs to fund growth and strengthen financial results. Schedule time with Doug to talk about your business at www.MeetDoug.Biz [Music] [Introduction] Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC. Doug: Welcome to the terminal value podcast. I have Mark Garber with us. Mark is the chief publisher for Pamplin Media Group, which is a local media chain, I think you'd say for the Portland metropolitan area. And Mark and I are here today to talk about the importance of local journalism, not just to the Portland area, but really to pretty much any area. Mark, welcome to the show. And thank you for coming on. Mark: Thanks, Doug. Glad to be here. Doug: So tell me a little bit how has the pimply Media Group been, you know, how is the vault? Everybody wants to talk about COVID. But just in general, the, you know, the technical turmoil, the technology turmoil that's been happening for the last 15 years. How is this impacted? pamphlet? Because, of course, it's a diversified set of newspaper news publications, but there has to have been an impact. Mark: Oh, yeah, the technology, as you know, dramatically changed what we do. And local journalism. And you know, it really goes back, Doug for 25, 30 years. If you think back to the very beginnings of, of online content, and newspapers, actually, were some of the first entities to jump into online news. You know, I started publishing news online.  Doug: Yeah. Mark: And so we were really competing with ourselves for a number of years in terms of giving our product away. Doug: Yeah. Mark: Online while we were still charging people to read it in print. So but you're right, that is really accelerated. I'd say, you know, since you know, the mid 2000s.  Doug: Yeah.  Mark: It's really changed the newspaper world. And we actually, with our 25, local newspapers, we have more people now, who read us digitally than who read us in print, we still have, you know, hundreds of 1000s of people read us and brand. Doug: Yeah.  Mark: But we have more than that, who read us online? Doug: Yeah. yeah, that's, and yeah, I mean, what are some of the adaptations even making I mean, because, you know, I think, you know, of course, we'll get to the importance of the local journalism, because I obviously think it's important because I subscribe to the local journalists, and, you know, and to the, I actually do the all digital all access package, to subscribe, not just to the Portland Tribune and the Newburgh graphic, which is where I live, but also the broader Metropolitan papers, just because I think it's really important to understand what's happening in the different local communities. Just, you know, that tell me a little bit about, you know, just kind of a about the adaptations that Pamplin has made to, you know, to stay in the game. Mark: Yeah, and I'll try to not get too too technical in what we do. But obviously, it's changed our entire workflow as far as how we, how we distribute the news. Doug: Yeah.  Mark: And so, you know, in the old days, where there was a daily newspaper, or weekly newspaper, or twice weekly, whatever the frequency was, I mean, everything was geared toward meeting a...

To many people, faith and religion are the same thing. This is certainly true some of the time, but not in every situation. Doug and Craig spoke the perspective of faith as deep belief and the way that belief can truly bring people together even if the nature of their beliefs are different. When we take this broader view of faith-based organizations, it becomes apparent that nearly everybody is engaged in some form of faith-based endeavor. Doug's business specializes in partnering with companies and non-profits to create value and capture cost savings without layoffs to fund growth and strengthen financial results.  You can find out more athttp://www.terminalvalue.biz ( www.TerminalValue.biz) You can find the audio podcast feed athttp://www.terminalvaluepodcast.com ( www.TerminalValuePodcast.com) You can find the video podcast feed athttp://www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg ( www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg) Schedule time with Doug to talk about your business athttp://www.meetdoug.biz ( www.MeetDoug.Biz) [Music] [Introduction] Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC. Doug: Welcome to the terminal value podcast, I have Craig Carter on the line. And Craig has the auspicious notoriety of being my former boss when I worked at Intel. But that's actually not what we're here, what we're here to talk about today, what we're here to talk about is Craig's life passion, which is running a face faith based organization within the Intel network. And in particular, what I'd like to talk about today is that, of course, the political environment is crazy right now. And you're trying to really stick to your mission of a faith based organization while navigating that political environment. Craig, welcome. And thank you for your time.  Craig: Well, thanks Doug. It's good to be here. Doug: So just tell us some of the experiences you've been having, you know, because of course, right, you know, the, there's, you know, it's interesting how what happens in the media is you always only see the crazy people on the media, you don't ever see, hey, these are normal people wanting to help people get through the the travails of their life that they feel like they can't talk about talk to anybody about that's not interesting. So nobody posts articles about that.  Craig: True. Doug: That's probably 99% of what you do. But of course, the the things you're going to hear are somebody who makes some sort of, you know, horrendously offensive racial remark, and people say, that's so terrible. And it's like, Well, okay, okay. Yes, it is terrible, but it's not representative of everybody who have a particular face.  Craig: True. Doug: I'm you You must have been dealing with this, Craig. Actually, I know you've been dealing with it, because we've been talking. Craig: Yes absolutely. Doug: To you a softball question. Craig: We've you. We've been talking a lot over the years. So let me maybe give a quick recap. And that can kind of walk into this. And then we can take it from there, Doug. So I've been involved with the different Christian groups. Doug: Yeah. Craig: Here at Intel for probably two decades or so. And then just even I was about.  Doug: You don't look anywhere ear that old Craig. Nice. I'm just so I'm, you look, you look every year that old? Craig: Thanks, is I look at you through my aggressive lens this year.  Doug: Exactly.  Craig: Yes. And yeah. So I paint the ground there just to look a little old.  Doug: Yeah. I do the same Craig: So been doing this for like 20 years, and it's been really neat. And then this last fall, felt led to reach out to people of other faiths and to get to know these other leaders of...

Om and Doug talk about key dates regarding open enrollment, changes that have been made to the Affordable Care Act (ACA) and resources for finding help. You can connect with Om at www.chehaleminsurance.com YouTube Video of Episode: https://youtu.be/cLhpqqtiScs (https://youtu.be/cLhpqqtiScs) Doug's business specializes in partnering with companies and non-profits to capture overhead cost savings without layoffs to fund growth and strengthen financial results. Schedule time with Doug to talk about your business at www.MeetDoug.Biz [Music] [Introduction] Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC. Doug: Okay, welcome to the terminal value podcast. I have a guest with me. Her name is Om. And I met her at the local Chamber of Commerce for Shah Alam Valley, which is where we both live. And we actually have a very timely topic today, which is health insurance and open enrollment. So because open enrollment, oh, you can tell us when open enrollment runs, particularly, but there are a lot of insurance. There's a lot of insurance information and acumen that people need to have. Because the old days of everybody having insurance through their employer kind of disappearing. I mean, some people still get insurance through their employer, but some people are in the gig economy. Some people are entrepreneurs, some people retire early and say, you know, they're 58 years old, and they don't qualify for Medicare yet. Well, if you don't know what's going on with insurance, that can be that can be really daunting. Because I know speaking for myself, you know, going through the entrepreneur finding insurance process, it's a lot of work. And it's really expensive. And a lot of times your coverage isn't all that good. So on Please introduce yourself. Yeah, help everybody gain some awareness here. Om: Thank you so much, Doug. And good afternoon, everyone. This is om Sukheenai. My agency name is Chilean insurance associates. And so happy to be here. You mentioned about the open enrollment, it is very timely, because if we divide into two groups, one is 65. And up, we call manual enrollment period, and therefore people have Medicare. And that begins on October 15. And run to December 7, that people who are on Medicare Advantage plan on prescription drugs can change their plan, looking into going back to original Medicare, or you know, do something different that suit their needs. But for 64 order to Sarah or newborn baby, this is the also call open enrollment period will begin on November 1 to and run through December 15. Once YouTube meets this deadline of either December 7 465. Enough or December 15. And you're kind of out of luck. Doug: Okay, well, well. So what are some of the things that people really need to keep in mind? Because, I mean, you even if you have employer sponsored health care, I'm sure there's things that you still need to keep in mind. So what should people make sure to be doing before the year is over Om? Om: So there's the things you know, I think, Doug we have to come into why people need health insurance, even though there is no penalty for people to have health insurance. Health insurance people like you entrepreneurs, you just said you need it because is kind of like air to breathe, who know was something the what is gonna happen to you. And once you have the health insurance or health coverage, the financial burdens kind of like you know, I don't have I don't have to pay for everything our pocket, we have the insurance company coming into it and recognize this if you don't get coverage to your employers, and the premium has been increasing every year even though it's not excruciating increase like in the past we go back about seven years ago and that's because of the...

Doug and Brandon spoke about the impacts that COVID and the related lockdowns have had on employers and job seekers. They also explore what can be done by leaders to ensure their companies recover into a bright future. COVID has certainly been the watershed event of this year. The impacts to the economy and people's mental health are all but certain to persist for years or decades. Learn more at hhttps://www.brandonlaws.com/ (ttps://www.brandonlaws.com) Doug's business specializes in partnering with companies and non-profits to create value and capture cost savings without layoffs to fund growth and strengthen financial results. You can find out more at www.TerminalValue.biz You can find the audio podcast feed at www.TerminalValuePodcast.com You can find the video podcast feed at>" rel="noopener noreferrer" target="_blank"> www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg >" rel="noopener noreferrer" target="_blank"> [Music] [Introduction] Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC. Doug: Okay, I'd like to welcome Brandon Laws to the show today. Brandon is actually the Senior Director of Marketing. That senior part is really important.  Brandon: So Important. Doug: It's so important. Brandon: Don't forget Doug: For the viewers at home, Brandon, I have known each other for a really, really long time. I originally got him into into authors like Tony Robbins and Napoleon Hill, and, you know, got them turn them into econ dork, just like me. Brandon: Yes. Doug: Brandon and I are here to talk about is the dynamics of COVID for both job seekers and employers, because it's really kind of throwing everybody's life into a tornado. Brandon: Yes. Doug: And I think a lot of people are kind of grasping trying to figure out what to do. So Brandon, can I take it away. Brandon: Well, I appreciate you having me on. Glad to be on your, your podcast. I I've been working in the HR space for 12 years now in a marketing role. Doug: It's been that long? Brandon: It's been well October's 12 years. Yeah, I started in 2008, when, when everything was kind of hitting the fan, with the Great Recession and so. Doug: I said everything hit the fan.  Brandon: Right, right. And then and then it's happening again, and I'm sort of seeing this play out in more of a senior role, like, I'm looking at it from what's important to employers right now, what's important to employees. Doug: Yeah. Brandon: And we're trying to kind of bridge that gap, because it's really chaotic. Employers are scared employees don't know if they're gonna have jobs. It's, it's an interesting time right now, to say the least.  Doug: Well I mean yeah, let's start from the employer perspective. Because, yeah, because of course, right. You know, the, I think a lot of people who listening will be will be employees, but I don't know, a lot of people listening will be senior decision makers also. So to from an employer perspective, what are what are a lot of people seeing kind of what are they? What's going on? What are their what are the dynamics? Because, of course, it all flows downhill. Because if employers can't make it, then that means you have less employment, which we've seen. Brandon: Right. Doug: And you know, we're actually have to figure out how are we going to go back to getting all these people who are sitting on the sidelines to be able to do something productive? Brandon: Yeah, I think there's a challenge for employers right now is that there's so much uncertainty, I think, when when COVID hit, gosh, it's been what Martin mid March, most employers made the decision to switch remote if they could, and then others, you know, might not have that opportunity to go remote. So they're still like...

Doug and Shannon Buckmaster talk about public-private partnerships and the importance of community. Shannon is the Economic Development Manager in the town of Newberg where Doug currently lives. Doug's business specializes in partnering with companies and non-profits to create value and capture cost savings without layoffs to fund growth and strengthen financial results.  You can find out more athttp://www.terminalvalue.biz ( www.TerminalValue.biz) You can find the audio podcast feed athttp://www.terminalvaluepodcast.com ( www.TerminalValuePodcast.com) You can find the video podcast feed athttp://www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg ( www.youtube.com/channel/UCV5a4QbT-dXhpgb-8HJHdGg) Schedule time with Doug to talk about your business athttp://www.meetdoug.biz ( www.MeetDoug.Biz) [Music] [Introduction] Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC. Doug: Welcome to the total value podcast. I'm Doug Utberg and I have Shannon Buckmaster with me from the city of Newberg. And now for those of you who know me, Newberg is where I live. For those of you who don't know me, Newberg is where I live and it's a smaller town. It's not a tiny town, but it's live, it's South of Portland. And most people who don't live in the area don't know about it. But I happen to think that it is the best town on the face of the planet. I'm certain Shannon would agree. And one of the things that I wanted to do was to talk with everybody just about, you know, about what the local experience is like, because in the corporate media, everybody hears about everybody hears about the big cities that people have been hearing about Portland because of fires and protests and things like that. but real life happens locally. And so that's one of the reasons why I really like to bring a local flavor. So Shan please introduce yourself a little bit, help everybody, help everybody to understand why we all love Newberg so much. Shannon: Well, thank you for inviting me Doug. I'm pleased to join you this afternoon and highlight our lovely little community, which is a growing community, right? We're located in Yamhill County.  Doug: Yeah. Shannon: We're bordered by three, officially two Metro counties, Marion County and Washington County, but we're also very close to Multnomah Clackamas County.  Doug: Yap. Shannon: So we're really kind of the first rural experience when you're coming out of the Portland area. When you come down Rex Hill and you see all the, all the vineyards and the hospital and our cute little downtown area coming up, like that's really your gateway into the rural wine country experience and it's on your way to the coast. So I'm sure you all have been through Newberg. You may not have really thought about it on your, on your way through.  Doug: Yeah. Shannon: We are down with about 24,000 people here so far, we're growing so rapidly. Actually. I just heard an estimate that we're expected to maybe have around 50,000 people in our town by 2070. Doug: Yes. Yap. That's quite a year. Shannon: Seems like it's forever away, but the older I get the faster time goes, so basically tomorrow, we have some. Doug: Yeah exactly. Shannon:  I'm sorry, I'm talking over the top of you. Okay. I'm so excited to share your age. Doug: No problem. It's okay. Don't, don't, don't contain your excitement. but it's, it's, it's interesting just to see that level of population growth because, you know, 1% is considered good population growth, you know, 2% for like a County is high in 3% insane. You know, and you know, whereas, you know, we're looking at that population doubling over what, well, it's, it's basically doubling in 50 years. I mean, that's not insane, but that's still, you...

The state of higher education is changing dramatically. The 'adjunct' role in teaching classes is becoming an item of necessity for Universities to stay cost competitive. Unfortunately, the rate of pay for many adjuncts is extremely low. Doug and Jacob explore the situation and impacts to the broader health of higher education. YouTube Video of Episode: https://youtu.be/PguZK0qn9cM (https://youtu.be/PguZK0qn9cM) Doug helps businesses and non-profits optimize their overhead costs so that more capital can be invested in accomplishing their mission. Schedule time with Doug at www.MeetDoug.Biz. [Music] [Introduction] Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC. Doug: Okay, everybody welcome to the terminal value podcast. I have Jacob Richman on the line here. And so the way that I know Jacob is we're actually both adjuncts at Portland state university. He probably adjuncts more actively than I did because I taught a class on finance information systems a couple of years ago. And then Jacob reached out to me to help with observing for the labor negotiations with the Portland state faculty. And he's actually a really, really interesting guy. He, in addition to his adjuncting, he's also done quite a bit of work with homeless advocacy and community art. And because one of the things that I really like to do with terminal value is just to bring a light onto just the uniqueness that people, you know, the uniqueness of people because I think that a lot of times there's a tendency to categorize people into you know, sort of one pigeonholed in one box or another, and there's not really any boxes everybody's really unique. And I think that it's, it's really illustrative to learn about that uniqueness. So Jacob welcome. Jacob: Well, thank you for having me, Doug. It's I'm so glad to be here. Doug: Yeah. And now I have to say, just speaking for myself, I found it a very unique and illustrative to be observing the negotiation process between the adjuncts and the faculty, because of course, right. You know, and in my semi simplistic mind, I think, okay. You know, Portland state, you know, progressive university, they're probably going to be really, really in favor of making sure that everybody's fairly represented and like, you know, but it is, you know, that is not the way that it works at all. Jacob: No, unfortunately not. Doug:  Yeah, there, there, you know, there, there, there was very much an upstairs and a downstairs in effect here. Jacob:  Absolutely. And it's a little illustrative of the whole American higher education system as that the adjunctification of faculty throughout the country. Um, so I don't know if it's, if it's worth giving a sort of heads up, if folks have no idea what an adjunct faculty person even is or. Doug: Jacob the Floor is yours. Yeah. Take the next two minutes.  Jacob: Sure. Well, an adjunct faculty at a university or college is a part-time faculty person somebody who teaches a few courses or teach even a lot of courses, but it's through different hourly or credits requirements kept under full-time level. They are generally paid very little. They are almost entirely as a case that they're not paid, they're not, they don't have healthcare or other benefits. And it's not just as a small group. It's the majority of, of courses. And certainly the majority of students cause they tend to teach the larger courses in this country are taught by adjuncts and every university pretty much, and a Portland state our adjuncts teach about 40% of the courses at the university. And so we're, we're at Portland state to have a very active union and we're in contract negotiations with admin right now to just really fight for peanuts. You know, a small increase...

Sales skills are a part of life. Doug and Graham talk about some important points related to selling and sales skills to help everybody achieve more. YouTube Video of Episode: https://youtu.be/wVBFRVDDMd8 (https://youtu.be/wVBFRVDDMd8) Doug's business specializes in partnering with companies and non-profits to capture overhead cost savings without layoffs to fund growth and strengthen financial results. Schedule time with Doug to talk about your business at www.MeetDoug.Biz [Music] [Introduction] Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC. Doug: Welcome, everybody. We have Graham Phelps on the line. Graham is from the United Kingdom. And he has one of the coolest accents I have ever heard. He actually works with me as an expense reduction analyst to help companies not just cut their cost, but really optimize their cost structure. So it's more than just negotiating low contracts. But it's really about making sure to monitor all those processes, so that nobody gets any sneaky costs slipped in on by the vendors, our grant, how are you doing? Graham: Oh, wow. Thank you, Doug. I'm very well, and thanks for the flattery compliment. Get you everywhere with me? Absolutely. Pleasure to be here. Very good to take, take this time an opportunity to share some ideas with your listeners.  Doug: Absolutely. And so Graham is a very humble guy, but he is actually a, he's exceptional at sales, training. And grant, one things I'd love to do would be if you could share some of your insights about what makes people succeed in sales, because he's actually far more experienced. And he looks I'm not going to give away your age grant. But some of his stories will. But he this man has a wealth of experience and wanted to share some of that with our viewers and listeners. Graham: Okay, well, I suppose one of the things that I've learned most in the last 10 15 years is a realization that the more you try and sell things to people, the less they want to buy from you. And, and also that your role as a salesperson, when I started, no, 30 40 years ago, there was no internet, it was brochures, and what you could find out from asking around, but you know, 15 minutes before you turn up on the screen, they've gone through your website, they've googled your company, your product, they know more about you than you do, for goodness sake, right. So you've got to add value in a different way. Today, it's not just about knowledge and information. And you have to take that role as a consultant, and you have to go in and do a diagnostic of where you can help them and identify they're not just physical needs, but their emotional and psychological thought process of how they make a decision for your product or service. And that's when choosing a new accountant or choosing where to buy a sandwich at lunchtime. Doug: I mean, I think that's, that's actually really profound, just because what it fundamentally means is that the model for sales is probably in the midst of shifting, you know, because of course, right, you know, you'll you get a lot of people who like to play around on social media who say that, you know, calling is dead. I don't think calling is ever going to be dead. But I think the way that people close sales are really going to be shifting over the next few years. Graham: Yeah. Doug: That's, that's just something that I find completely intriguing. Just because, of course, right? The, you know, it's it's actually kind of funny, you know, in graduate schools and universities, sales is kind of pooh poohed. And kind of, you know, pushed off the side. But But you know, sales is what drives every business.  Graham: Yeah. Doug: Other than the C suites, you're usually sales are the highest highest....

Social Missions are an important part of many people's life. Doug and Evan talk about the impact of COVID on social missions and their importance to our lives and holistic wellbeing. Doug's business specializes in partnering with companies and non-profits to capture overhead cost savings without layoffs to fund growth and strengthen financial results. Schedule time with Doug to talk about your business at www.MeetDoug.Biz [Music] [Introduction] Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC. Doug: In the city of Chicago Evan Moffic  is a rabbi but also an associate of mine. Ivan, how are you doing? Evan: I'm doing great, Doug. It's wonderful to be on the podcast and, you know, talk about some of the amazing work you're doing. Doug: Oh, thank you appreciate that. Well, so actually, but Evan, of course, what I'd like to do today is to talk about you, I know you have a, you have a pretty significant social mission that you've been serving with your synagogue. And one of the things that I like to bring to my listeners on the podcast, is just different views, you know, kind of views from different parts of life, the, you know, just the things that make everybody unique, the anti mainstream view of life in America, you might say ,so yeah, take it away. Evan: Well, you know, I guess, what we do is just try to serve the Jewish community and try to serve the community more broadly, really, just trying to be with people in important moments, you know, when people are, you know, getting surgery or experiencing illness, visiting with them, highlighting some of the work that our congregants do in the community, you know, working at soup kitchens, and, you know, fighting gun violence, we just have a lot of, you know, we have a strong social mission to really kind of make a difference in the community and be with people in their most important moments. Doug: Yeah. Evan:  And it varies, it changes all the time. Sometimes it's, sometimes I've got, you know, a lot of tutoring lined up for the day. And another day, it's, you know, funerals. Doug: Yeah. Evan: So it kind of varies, but all of it centers around just serving people.  Doug: Well, and I'd love to hear your fear. How's COVID impacted all this, just because I've, you know, what I've observed is that a lot of people are going through quite a bit of social isolation. And in theory, a religious community would have to be an outlet valve for that. But for example, where I'm at, there's a state puts pretty strict headcount limitations on worship service. And, you know, attending a zoom worship service isn't really the same thing. And not being able to socialize after worship service still isn't really the same thing. So kind of what's your observation on how people are hoping long term impacts are going to be? Evan: It's a great question, and the long term impacts are getting harder to predict. But I can tell you that I'm much more optimistic now than I was at the beginning. Doug: I think to here. Evan: it is, you know, because I saw people really came together. Of course, zoom is not nearly as good as being together in person. But what it has done, is it to allow people to connect, and to participate in worship, without the without having to get out of their homes and go to the synagogue. And that's hard. I mean, we have a lot of older people. I mean, that's, that's true in every most mainline religious communities right now, is it there aren't as many young people as we wish there were. And this has made it easier for people to participate in worship, of course, not participation at the highest level, but its participation in some way. Doug: Yeah. Evan: And we've been a lifeline. I mean, people in my community have...

Doug and Zach worked together at Intel. Zach took a major risk and moved his family to the Ukraine so that his children could learn his wife's native language and see Europe from the perspective of a local. YouTube Video of Episode: https://youtu.be/UBLUS2Cvt98 (https://youtu.be/UBLUS2Cvt98) Doug's business specializes in partnering with companies and non-profits to capture overhead cost savings without layoffs to fund growth and strengthen financial results. Schedule time with Doug to talk about your business at www.MeetDoug.Biz [Music] [Introduction] Welcome to the terminal value Podcast where each episode provides in depth insight about the long term value of companies and ideas in our current world. Your host for this podcast is Doug Utberg, the founder and principal consultant for Business of Life, LLC. Doug: Alright, welcome to the terminal value podcast. My name is Doug and I have a guest today His name is Zach Everton. Zach can actually work together for quite a while back at Intel. And Zach has a very unique story. What he did was he actually left a major company in his hometown to go and live in Ukraine with his wife, who of course, is also Ukrainian, and their kids to give them a different life experience. And I brought Zach on because I think he's a really cool guy. And being he's kind of a hero of mine, just because, you know, he took a really, really big risk. And he's just figuring it out. Zach, how are you doing? Zach: I'm good.  Doug: Awesome. Zach: Excited to catch up with you. It feels like we haven't talked in a while, like, I know, like three years. Doug: Or so half years. Yeah. A little bit of background for all the listeners at home. So Zach and I both worked at Intel. I left Intel about right around 2018. And you Zach left shortly after that. But you know, it's been, you know, at the time of this recording is 2020. You know, the, the, you know, the year of everybody's misery, apparently memorable year in all of human history, probably. But yeah, it's been a couple years since Zach, and I've caught up, we reconnected on LinkedIn. And yeah, I'm just really interested in hearing Zach's perspective, just because the way that he has made his decisions is so different from the way that a lot of us do. You know, a lot of us are like, okay, you know, you need to get promoted, you need to make more money, you need to move to a bigger house, you need to get bigger cars, you know, you don't get more debt. And you and Zach actually made a very significant life change for the benefit of his kids so that his kids could learn about his wife's culture. That's just one of the things I've always really admired about Zach. So Zach, you just tell us a little bit about that. And you're a part of what I'm trying to do for all the viewers and listeners is to give them a perspective into some different ways of thinking just because of corporates kind of all tend to sound alike after a little while. And it's like, there's a lot of people and companies that are actually, you know, kind of regular normal salt of the earth kind of people. And I'm just really intrigued by people that think different from, you know, what, you know, what you see out of the 10ks and 10qs? Zach: Yeah, well I get a, it's hard to know where to start with all of it. But basically, you know, the choice that we made in 2018, to, to move to Ukraine, that was a meeting of two very strong forces. One of them was my wife being very tied to her Ukrainian culture, and wanting her children to be exposed to that and to feel like they were tied to it as well.  Doug: Yeah.  Zach: And the other force was me feeling like I had taken every safe option in my life. And like, I had never tried to risk something that meant anything. You know, I've often said throughout my life, that like, I don't value things I value experience. And you know, if you think about education, pre, you know, industrial revolution....

The world of investing involves many considerations. Chief among these are the two “Demons” of investing that must both be defeated in order to realize success. The first demon is risk, and the second is inflation. Risk comes from the fact that future returns are uncertain, and it is not possible to foresee all future events. Investments that seem ‘safe' may turn out to have hidden dangers that we did not notice. Risk can never be eliminated, it can only be managed. The best way to do this is by properly diversifying your investments so that they are not all subject to the same market shocks. The second demon of investing is inflation. Inflation is especially difficult because it erodes the value of your dollars. Defeating the demon of inflation requires investment in multi-dimensional assets that are optimized to defeat inflation. Income properties meet this criteria well because the property itself holds real value by nature of the replacement cost of the structure, the loan allows you to have a fixed cost of capital for three decades, and the cash flow is pushed up by inflation while you cost structure remains flat because of the fixed-rate financing.

The world of investing involves many considerations. Chief among these are the two “Demons” of investing that must both be defeated in order to realize success. The first demon is risk, and the second is inflation. Risk comes from the fact that future returns are uncertain, and it is not possible to foresee all future events. Investments that seem ‘safe' may turn out to have hidden dangers that we did not notice. Risk can never be eliminated, it can only be managed. The best way to do this is by properly diversifying your investments so that they are not all subject to the same market shocks. The second demon of investing is inflation. Inflation is especially difficult because it erodes the value of your dollars. Defeating the demon of inflation requires investment in multi-dimensional assets that are optimized to defeat inflation. Income properties meet this criteria well because the property itself holds real value by nature of the replacement cost of the structure, the loan allows you to have a fixed cost of capital for three decades, and the cash flow is pushed up by inflation while you cost structure remains flat because of the fixed-rate financing.

Jason Hartman starts this episode with an update on and new fixed-rate mortgage financing program for IRA investors and foreign nationals. In addition, you'll hear about a change the RSS feed for this podcast in hopes that the change will be seamless and you won't even notice it; however, you know how technology goes sometimes. You'll get an overview of a few properties, a few thoughts on the greater Atlanta, Georgia real estate market and an update on Jason's “Meet The Masters of Income Property Investing” event slated for October at The Hyatt Regency in Irvine, California visit: http://www.jasonhartman.com/meet-the-masters-of-income-property-investing/for complete details. The main focus of this episode of The Creating Wealth Show will be: Defending Against The Demons of Investing. The world of investing involves many considerations. Chief among these are the two “Demons” of investing that must both be defeated in order to realize success. The first demon is risk, and the second is inflation. Risk comes from the fact that future returns are uncertain, and it is not possible to foresee all future events. Investments that seem ‘safe' may turn out to have hidden dangers that we did not notice. Risk can never be eliminated, it can only be managed. The best way to do this is by properly diversifying your investments so that they are not all subject to the same market shocks. The second demon of investing is inflation. Inflation is especially difficult because it erodes the value of your dollars. Defeating the demon of inflation requires investment in multi-dimensional assets that are optimized to defeat inflation. Income properties meet this criteria well because the property itself holds real value by nature of the replacement cost of the structure, the loan allows you to have a fixed cost of capital for three decades, and the cash flow is pushed up by inflation while you cost structure remains flat because of the fixed-rate financing.

Jason Hartman starts this episode with an update on and new fixed-rate mortgage financing program for IRA investors and foreign nationals. In addition, you'll hear about a change the RSS feed for this podcast in hopes that the change will be seamless and you won't even notice it; however, you know how technology goes sometimes.