Podcasts about Earning

Miami Dolphins CB Trill Williams is earning a roster spot. 8/6/22

Miami Dolphins CB Trill Williams is earning a roster spot. 8/6/22

In Melissa's 35 years in the business, she's learned to be flexible, has never stopped learning, believes everything can be taught (except culture), is always looking for talent, and makes EARNING business a priority over buying business, as is evidenced by 80% of her business coming from referrals. ---------- Visit www.buithow.com to sign up for our next live or virtual event.   Part of the Win Make Give Podcast Network

I sit down with Kayse Morris, a former teacher turned CEO of a multi-million dollar company AND host of a top-ranking business podcast. She explains how she now works less, yet makes more money than she ever has. To get inspired by the people that inspired Kayse, visit Thrive135.com →TIMESTAMPS← 00:00 The Secret to Working Less and Making More Money 01:29 Kayse Morris' Journey 06:02 How do you sell lesson plans  10:51 Earning $100,000 plus in seven hours 14:29 How do you maintain a multi-million dollar business 17:00 What do you teach your students 22:38 Advice Join me for a FREE challenge with Tony Robbins and Dean Graziosi

Gurus, what does it take to earn the patients trust? In this episode we have Mr. Brian Maurer, Co-Founder at Bristle an oral health and microbiome company. Brian gets into why we as a society silo healthcare and what he and his team are trying to do to address that. Brian also gets into how an organization can remain innovative and continue to bring cutting edge research into the marketplace. Brian is an amazing Guru and really delivers in this episode!

Andy Scott is joined by former welterweight fighter turned trainer Gary Logan and Olympic bronze medallist and heavyweight contender Frazer Clarke.

While you improve your profits by pricing correctly, your next step is to tackle your processes that are also costing you profit. While you might have a bunch of broken processes, by focusing on one big one at a time, you will add to your bottom line in big ways! _______________________________

Photo: No known restrictions on publication. @Batchelorshow #SmallBusinessAmerica: Voluntarily earning less in order to work at home. @GeneMarks  @Guardian @PhillyInquirer https://www.dailymail.co.uk/news/article-11052449/US-study-says-employers-limit-wage-growth-letting-staff-work-home.html

There are five ways you can interact with money: You can earn it, live on it, give it away, pay it to someone you owe, or grow it for the future. Today on MoneyWise, we'll offer practical guidelines related to the first of those five: earning. EARNING One of the things Scripture teaches us about earning is that it is God who gives us the ability to produce wealth. You'll find that exact phrase in Deuteronomy 8:18. And, if you think about it for a moment, you'll realize how obvious that truth is. It is God who created us. It is he who gives us the physical strength and the mental prowess to do productive work. And, it's been my observation that he seems to give most people a natural bent toward a certain type of work. For example, some people are very detail-oriented and make good research assistants and accountants. Some people are very personable. They make good salespeople. Some people are brainy. They make for good scholars. These natural inclinations can be fostered and refined, but we don't come up with them ourselves. It's something God puts into us and not just for work-related purposes. Our natural traits may have other applications. But the point is, these things are gifts from God gifts that can help us make our way in the world. This is why we should always be humble about our success in the work world. As Christians we know that everything flows from God. The Apostle Paul touches on this idea in his first letter to the Corinthians when he asks, What do you have that you did not receive? And if you did receive it, why do you boast as though you did not? Of course, you and I are responsible for taking what God has given us and using it to the fullest. Typically that will involve honing our skills and also gaining new ones. And we must do things concerning a job like show up on time, work diligently, and be trustworthy, knowing that how we work is a means of honoring God. GOD'S OWNERSHIP We also need to recognize that whatever we earn whether it comes to us by our current labor, or by way of our investments, or what we receive from a pension, or even by way of Social Security benefits is not really ours. Our earnings really belong to God the One who has given us the ability to make wealth. He entrusts those earnings to us to use as stewards on his behalf. GIVING STARTS WITH EARNING The 18th-century preacher and theologian John Wesley once wrote a sermon titled The Use of Money. In it, he urged Christian believers to do three things. He said, "Having, first, gained all you can, and secondly saved all you can, then give all you can." In other words, the pathway to saving sufficiently and giving generously begins with gaining that is to say, earning, as much as we can. Now, we all know that earning potential will differ from person to person, based on one's skills and career field, and also on things such as one's health and family responsibilities. But to the highest degree possible, we should apply ourselves to earning what we can so that we can take care of loved ones, save for the future, and be generous. If we are able-bodied and of working age, we should seek to earn money through diligent, honorable work, all the while seeing our work as part of our stewardship over what God has entrusted to us. Next Monday, we'll continue with our teaching on the first principles of being financially faithful. On today's program, Rob also answers listener questions: ● Is it legally permissible for a church to rent space to a commercial tennant? ● Is title lock insurance a wise thing to buy? ● How do you determine exactly how long it will take to pay off an auto loan when adding extra money to the monthly payment? ● How should you tithe on retirement investment proceeds? ● Does it make sense to use retirement funds to pay off credit card debt? ● Are I-bonds a good option for low-income people to save for retirement? ● Where is the best place to place or invest savings roughly 10 years before retirement? RESOURCES MENTIONED: ● Find a Certified Kingdom Advisor ● Christian Credit Counselors ● Remember, you can call in to ask your questions most days at (800) 525-7000 or email them to Questions@MoneyWise.org. Also, visit our website at MoneyWise.org where you can connect with a MoneyWise Coach, join the MoneyWise Community, and even download the free MoneyWise app. To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

In this episode, we welcome Angad Guglani, Founder and Principal at Cooper Square Acquisitions. He built his portfolio by utilizing the BRRRR method and was making 6 figures before he even hit 20 years old. Today, he reveals his strategies for success, how he's taking on bigger value-add deals with an in-house construction team, and why it's his goal to buy small businesses. He also digs deep into the impact of inflation on real estate and the opportunities in the horizon for the industry.   [00:01 - 03:23] An Early Start in Real Estate   Angad on buying his first house at 16 Succeeding with the BRRRR method   [03:24 - 15:14] Building A Vertically Integrated Company Why he's acquiring boutique multifamily buildings They require less rehabs than single-family homes Forming a construction team in-house  Handling historic rehabs with a 23-people team The challenge now is finding labor Angad's goal for his company: organic growth Is the BRRRR method dying? His perspective on the current market Rents may keep pace or exceed inflation The tenants are still the most important thing   [15:15 - 18:10] Investing in Businesses What are businesses worth investing in according to Angad Real estate vs. business investment   [18:11 - 19:21] Closing Segment Reach out to Angad!  Links Below Final Words Tweetable Quotes   “If inflation keeps ripping the way it is, the rents… hopefully they keep pace with inflation.  In the past have exceeded inflation, right?” - Angad Guglani   “I like to review all the applications myself before approving them… A great tenant can make a terrible property an amazing deal.” - Angad Guglani   “That's a beautiful thing about real estate is, at the end of the day,  people need a place to live.” - Angad Guglani   -----------------------------------------------------------------------------   Connect with Angad! Visit the Cooper Square Acquisitions website or email him at ag@cooperacq.com.     Connect with me:   I love helping others place money outside of traditional investments that both diversify a strategy and provide solid predictable returns.     Facebook   LinkedIn   Like, subscribe, and leave us a review on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on.  Thank you for tuning in!   Email me → sam@brickeninvestmentgroup.com Want to read the full show notes of the episode? Check it out below:   [00:00:00] Angad Guglani: When you're buying a piece of real estate, you're underwriting it, your competition, everyone's underwriting the deal. Everyone knows kind of where this deal's going to go. You're going to spend this much on the rehab. Your rent's going to be this much per foot or this much per year, this much per month, whatever it is, you figure out what your NOI is going to be. You figure out what your, the term loan is going to be at. And you know, you basically know, day one, what it's going to be now, granted you have to execute and you have to find the deal and the numbers could change depending on the market, but you kind of know that going forward. Versus if you buy a business, you can get in there and really say, oh wow. I had no idea we could take this company, in this vertical that we weren't even playing in.  [00:00:46] Sam Wilson: Angad Guglani started in 2016 with one single-family house. Now he runs a vertically integrated real estate investment company owning and managing 150 residential units without raising outside equity. Angad, welcome to the show.  [00:01:00] Angad Guglani: Hi, thanks for having me, Sam.  [00:01:01] Sam Wilson: Hey, man. The pleasure's mine. There are three questions I ask every guest who comes from the show: in 90 seconds or less, can you tell me, where did you start? Where are you now? And how did you get there?  [00:01:09] Angad Guglani: Sure, let's do it. So I started in, well, I grew up in Pittsburgh, but really started my real estate career in New York City, on the brokerage side, mostly residential rentals. Then I started investing in Camden, New Jersey and I've kind of expanded out to the general South Jersey, Greater Philadelphia Metro area, like the suburbs, and I live in Philadelphia now. [00:01:28] Sam Wilson: Gotcha.  [00:01:29] Angad Guglani: How did I get there? I guess a lot of, lot of BRRRR deals.  [00:01:32] Sam Wilson: Yeah. Talk to us about that. I mean, that's kind of what you said there, you know, in your intro was that, you know, you started in 2016 doing a lot of BRRRR deals. What was that process like? Can you tell us how did you do it so that somebody else who listened to this show may think about this as a potential strategy? [00:01:47] Angad Guglani: Yeah. The first thing I did is I started out in brokerage and I think it's a great way to start. I started, I got my real estate license. I was like 18 or 19 years old. And I was going to undergrad in New York at NYU. And I realized a lot of students were moving and they needed apartment. So they were paying rental, brokerage commissions. And I was like, wow, that's pretty cool. They're paying 3, 4, 5, 6, $7,000 in commissions. Each time they would move. And I'm like, wow, I could do that. So I got my license. I started doing that and started a company around that basically. And that was kind of my first foray into real estate. I mean, I learned a lot through that. But the number one thing that gave me was kind of the capital to start doing deals, really, and the capital to support myself. So my first, my first,, really year into it, I was already clearing mid six-figure like, you know, over 130, 140,000 bucks. And I was like 19 years old. [00:02:37] Angad Guglani: So I was like, wow, this is great. And that was kind of my jump into real estate. So I basically did that for all throughout college and for a few years after, and that money that I'd been saving up is what I used to start buying real estate. So I bought my first house at 16. I actually had two friends that I had partnered with at the time, just 'cause, you know, I'd never done any buying real estate before, I said, might as well have some friends help me. And so we did the first house together. I ended up buying them out, you know, at the end of that, And then 2017, I bought five single-family homes. These are all rehab, significant rehab, then rental, and then, you know, refi type deals. And at the end of 2017, I believe was when I first, you know, was able to, to refi, refinance all the equity out, plus some, and then I got all that cash back and was able to then just kind of snowball the, the equity from there. [00:03:23] Sam Wilson: Gotcha. And that's really the way that you've built your portfolio is just continuing that BRRRR method. What are you buying right now? Have you moved into any bigger assets or is it all single-family?  [00:03:35] Angad Guglani: No. So yeah, I haven't done any big communities the way a lot of people do. They do like, you know, the big apartment communities, but what I really like buying now, what we really like focusing on is I call them boutique multifamily buildings, like anywhere between like 3 and 15 or 20 units. I think those are really cool because. They sell for significantly higher cap rates than, like, a big multifamily building. And you can go in there, a lot of times they're owned by mom and pops and there's two types of mom and pop investors, right? One is just basically, like, just this family business. And maybe they're not as sharp to the current market conditions as, you know, someone like yourself or myself in the industry. [00:04:17] Angad Guglani: And then there's kind of like the slum lord variant. So we like to buy from the prior, someone that's, you know, kept up with the property, taking good care of it, but now it's just kind of wants to retire. They're in over their head, 'cause you know, all these, a lot of landlord-tenant issues arose during COVID that drove people crazy. So if you're a small mom and pop, it's tough for you to navigate those. So we like to buy from those types of people and then we, you know, fix the units up, getting the current market and operate them pretty well. I think that strategy's a lot more scalable in single-family. Not because I think single family's unbelievable business because you, your loan tendency is great. The amount of equity can create because you'll get really good pricing on them, that's awesome. The fact that you could sell it to a homeowner or hold it, whatever. It's cool to have all that multiple exit strategies. The issue that we run into with the single-family strategy is not lack of deals, it's not lack of capital. It's construction labor, we just have 23 people in our construction team in-house, and we just cannot find enough people, even third-party contractors to help rehab these homes. So, you know, these boutique multifamily buildings, they need a lot less work per unit than buying a whole house, right? So that's kind of what we've moved the strategy into. [00:05:27] Sam Wilson: Do you feel like those particular sizes of units are what is just available in your area? Like, is that just common... [00:05:36] Angad Guglani: Correct. Yeah. So there, I mean, I wish there were like 10, 15, 20, 30 unit buildings. Just not many of those in South Jersey, it's an old, an old area, right? So a lot of those types of, like, 30, 40 unit buildings, I think those were built in the fifties and sixties. And there wasn't that much building over here then. And it was mostly single-family stuff that was built around that timeframe. So we have these small, like, under 10 unit buildings all over the place. And there were generally just big houses that were like mansions that were chopped up over the years. So we have that type of product and we do have some purpose-built multifamily, and then we have some big communities and stuff too. But those, those I stay away from just because they're trading at like, you know, 4, 5, 6 cap rate stuff and those are, you know, not the stuff we buy.  [00:06:19] Sam Wilson: Right, right. That makes a lot of sense. Yeah. I mean, 'cause the, what you're describing there that, what did you say 8 to 20 unit that's, I would think that's a very specific asset type, you know, for your location. Tell me about this. You said you have 23 people on your construction team right now, correct? [00:06:36] Angad Guglani: Correct. And then the number fluctuates. We hire people. There's some attrition but, yeah, so we have a head of construction and to him report our whole construction team, which they're all W2, we pay for their worker's comp and do everything the right way. And, they're experienced or mostly experienced people. We have teams like, you know, teams that help, you know, do the sheetrock, teams that do the framing, teams that, you know, in conjunction with the licensed electrician, will do some of the basic electric work, teams that'll help do the plumbing work in conjunction with the licensed plumber. You know, that's, we have basically specializations within the team, within the company of, of people that do everything. [00:07:09] Sam Wilson: And that's, that's your own in house construction crew.  [00:07:12] Angad Guglani: Correct. Yeah. In-house construction.  [00:07:14] Sam Wilson: Are you guys doing, I mean, 23 people, you, at this point, you said you have 160 units. I wouldn't think that's enough units to support a 23-person construction team. Are you doing outside work for other people as well? [00:07:26] Angad Guglani: So you're right on the fact that the 160 units is not enough to support staff outside, but the reason we have that many people and we could hire, if you could, if you told me had 20 more people tomorrow, I would hire them tomorrow is because we're rehabbing so many units. We buy distressed, fix up, and then, you know, rent out long term. So right now in our pipeline, I can tell you how many we have, just homes that are, or homes and units that are just sitting, waiting to be worked on. We have seven that are construction-ready, seven that are permit backlogged, and seven that are waiting to put in the permit. So about 21 units that are, that are waiting. So then that makes sense why we have as many people as we have and how we could afford to double and triple our size if we could get the people.  [00:08:09] Sam Wilson: Yeah, shoot, man. Absolutely. Absolutely. So, so an eighth of your portfolio is in construction phase right now. [00:08:17] Angad Guglani: Correct. And frankly, that's, that's actually good. I mean, there have been times 30, 35 units out of a hundred that are getting rehab. 'Cause these rehabs are big deals, man. They take two months plus.  [00:08:30] Sam Wilson: Oh, wow.  [00:08:30] Angad Guglani: And they're no joke. They're no joke. Most of the products we buy, everything's average age is built in the early 1900. Some are even in the late 1800. So we're talking full gut rehab, like full-on gut. We're taking the house down to the studs, you know, looking at the framing, making sure it's okay. Putting in new plumbing, putting in new electrical, whole nine.  [00:08:48] Sam Wilson: That makes a lot more sense. I'm sitting here, you know, thinking. Okay. You know, 21 units, like that shouldn't take that long, but this is a whole different, a whole different ballgame on the construction side that you're describing. You know, when you're doing historic rehabs like that, I mean, we always sat on a historic project. It's like, Hey, whatever, whatever your budget is just double it. And you might be close if you're lucky.  [00:09:12] Angad Guglani: Yeah. Tell me about it, man. It's no joke. And, you know, thankfully we haven't really, I know a lot of bigger developers have issues with, you know, I guess the materials that they're buying in bulk and stuff. Haven't really run into many materials issues. It's just been finding labor.  [00:09:26] Sam Wilson: Right.  [00:09:27] Angad Guglani: And I wish we had, you know, a ton of subcontractors we could turn to, we just haven't been able to find many that are, you know, most of the subcontractors nowadays want to, want to do residential work, like, you know, homeowner work 'cause it pays better.  [00:09:40] Sam Wilson: Right, right. Yeah, absolutely. When you think about your company and you want to fast forward four or five years, where do you want to take it?  [00:09:47] Angad Guglani: So personally, what I really want to do with my, you know, business career is I want to set this business up in a way where I can kind of leave the reigns the next, next year or so. And this business will be like a regionally focused real estate investment company. 'Cause I really feel, I feel like you have to be focused on one region, and the way we're vertically integrated, it kind of makes sense where we do all our management, all the construction, all the maintenance, everything in-house, under one roof and one office. [00:10:14] Angad Guglani: So I want to kind of create this business, so it runs like a machine here. And it grows organically, you know, whatever the available deals in the market are that meet our criteria, we buy them. We're not trying to set the world on fire and triple our size in one year. At one point I was trying to do that because the deals were so good in the market. Now it's kind of like a needle in the haystack strategy where you have to look at, you know, a fair bit of stop to find the good deals. And, you know, if we could put on 30, 40, 50 units a year BRRRR method, I would be thrilled and, and, and just want to pass the reins off to the team and let them kind of take over. And personally myself, my goal is to buy businesses rather than real estate. would love to buy small businesses and turn them around versus just being a real estate.  [00:11:00] Sam Wilson: I want to hear more about that. 'Cause I think there's the, I'm with you on that, in that there is great value in buying businesses. Someone else that I interviewed earlier today, and I don't remember who it was. So I can't even tell you what episode will be on when this goes out. But they said this is their conclusion, is that BRRRR is dead. They said that, you know, not being able to predict where interest rates are going, not being able to predict the cost of financing, like, they said, I think BRRRR is, if it's not dead, it's dying. Do you agree with that?  [00:11:30] Angad Guglani: I would, I would disagree with that based, and I think it's a lot based on your market, right? So South Jersey really is a sleepy kind of quiet market. We never had institutional capital come here. I don't know, from this area at all, it just kind of came out, came out as a good opportunity living in New York. I figured this was a good place to go. Because, you know, north Jersey is very competitive. It's like a derivative of New York, South Jersey is kind of sleepy. So we have plenty of deals here that you could do as a BRRRR. Now, as I'm facing. And I'm sure a lot of other people in our market that I speak to are facing the shortage of labor and not being able to turn units that way, but it's not like we can't predict interest rates. [00:12:12] Angad Guglani: I was on a call with a banker this morning that we've worked with extensively last year, doing some term refinances. And he was saying, okay, you know, you're going to be seeing rates. The last deal we called 400, 4%. Unbelievable. And he's like, okay, now just underwrite for five, 5.75%, or like worst case 600. And keep in mind, our yield on cost on these things is like in the high, you know, 900 to sometimes even 1100 to 1200. So we have a nice wide spread, so I'm not too worried about that. I'm not too worried about interest rates going up in our market at least.  [00:12:51] Sam Wilson: Gotcha.  [00:12:52] Angad Guglani: And, and keep in mind, like, rents are rising quite fast. So even if you take a deal and you're paying five and a half, 6% interest rate that straight is these are five-year fixed terms, right? Where do you think your rents are going to be in five years? If inflation keeps ripping the way it is, the rents are going to go all, hopefully, they keep pace with inflation. In the past have exceeded inflation, right? If you look at the last couple of years, if they keep in pace with inflation or exceeding inflation, even if you're paying 5 or 6% interest rate, you know, your cash flow year two, year three is super generous, right? If your rents keep rising 6, 7, 8% a year.  [00:13:26] Sam Wilson: Yeah. I hear you on that. I would not challenge it, but I guess the other side of that is at some point, you know, the renter, no matter where inflation is going, the tenant just can't afford the increases. If the economy takes a dive and jobs go away and suddenly there's, you know, a glut, like, you're, we're, we're at a labor shortage right now. I think that tide unfortunately may turn. And if it turns, suddenly people don't have the income to support the rent increases. It's going to be a very interesting way that that plays out. But I do, I do understand that historically speaking, yes, rents have outpaced inflation.  [00:13:57] Angad Guglani: A hundred percent, I mean, and that, and that goes down to unit type, right? And unit mix and how you underwrite your tenants. So like, we like to see, you know, I just signed a lease yesterday in one of the units. And I like to review all the applications myself before approving them, which I know it sounds a little bit micromanaging, but, you know, I found, I almost have a phrase that we say, which is like a great tenant can make a terrible property an amazing deal. Not to say terrible properties are probably great, but the tenant is the most important thing. [00:14:24] Angad Guglani: Or you could have a great property that you spent hundreds of thousand dollars rehabbing, put a bad tenant in, and you now have a terrible investment. So anyway, it's very important the tenants you put in, but now these tenants that we're putting in, the rent is $995. It's a small, like, one-bedroom apartment. [00:14:38] Angad Guglani: The tenants are making, I think, just making minimum wage. They're making like, it's a couple, they're making $4,500, $5,000 a month. They're four times coverage, four and a half, five times coverage over the rent. So and these are minimum wage jobs. They're just over minimum wage jobs and one's at a hospital and one's at, one's at a school. So, like, these are pretty stable and that's what a lot of our tenant base they're, they're not working at these high flying jobs that, you know, that you can really fire people from. So that's why I feel personally feel comfortable with the environment going forward on the macro side.  [00:15:14] Sam Wilson: Got it. I love it. I love it. Tell me, lastly, last, last topic here, buying businesses versus real estate, what type of business are, or businesses are of interest to you? I know you said. You a year or so, you'd like to leave the reins of your company in, in, in other hands. So there's got to be something on the horizon you say, Hey, here's some businesses I think that are out there that are worth investing in.  [00:15:37] Angad Guglani: That's a good question. And frankly, I haven't really looked at many deals on the business. I looked at a handful, but I really think it's deal-specific and market-specific, right? And I think it comes down to really, like, I want to move to a different area where I would love to live somewhere warm. I love golf. It would be great to live in an area where you could play more golf and I would want to get in that area, get in the community and figure out what's for sale. And as long as the business has legs where you can figure out a way where you can grow it, I mean, most of these businesses are trading anywhere from four to seven times EBITDA on the high end, really and you can get some sort of SBA financing on the debt side. So your return on equities going to be much higher than it is in real estate, as long as you don't screw it up. Not to say that I'm going to have the expertise to run it, great, but I'm just saying, like, if you really buckle down and try to figure out how to, how to work this business. [00:16:24] Angad Guglani: I think you could really do something with it. So, I'm finishing up my MBA at the University of Pennsylvania, the Wharton school. And there are a handful of kids every year that graduate from that program that does this, which is called a search fund where they mostly go out and raise capital from institutional investors and high net worth. And they go out and buy businesses. And personally been, you know, fortunate enough for the real estate to, to have the capital to do that myself, but it's not unheard of path. And that's really what, what I find to be quite exciting. [00:16:51] Sam Wilson: Absolutely. Absolutely. Yeah. It is amazing in the business side of things, how they do trade at different multiples than what your real estate plays do.  [00:17:02] Angad Guglani: And you can grow it, right? Like when you're buying a piece of real estate, you're underwriting it, your competition everyone's underwriting the deal. Everyone knows kind of where this deal's going to go. You're going to spend this much on the rehab, your rent's going to be this much per foot or this much per year, this much per month, whatever it is, you figure out what your NOI is going to be. You figure out what your term loan is going to be at. And you know, you basically know day one, what it's going to be now, granted you have to execute and you have to find the deal and the numbers could change depending on the market, but you kind of know that going forward. Versus if you buy a business, you can get in there and really say, oh wow. I had no idea we could take this company. And this vertical that we weren't even playing in. Or maybe the previous owner didn't have much of a sales staff. We could put in a sales staff. And instead of, you know, day one, knowing what your income could be. Once you get in and operate this thing, you could see, you could really turn the income of that business a lot more than you could turn the income of a real estate property. [00:17:53] Angad Guglani: That being said, it's overly simplified. It could be really tough too. I mean, that's a beautiful thing about real estate is, you know, at the end of the day, like people need a place to live. There's always going to be some sort of demand than you could be at a company that has no demand, like your product go obsolete. So there is risk as well.  [00:18:10] Sam Wilson: Certainly. I love it. I love. Angad, thank you for taking the time to come on today and share with us your story of how you've built a real estate firm, you know, without outside equity, how you've done it via the BRRRR method, what you guys are looking at right now, and just what you see opportunity on the horizon for you personally, but also just in your real estate investments as well. Certainly feel like I've learned a lot from you today. So thank you for taking the time to come on. If our listeners want to get in touch with you or learn more about you, what is the best way to do that?  [00:18:38] Angad Guglani: Sure, they could just go on our website. We actually just redesigned it. cooperacq.com. C O O P E R A C Q, our company's Cooper Square Acquisitions. You could email me at ag@cooperacq.com and, yeah, look forward to connecting.  [00:18:52] Sam Wilson: Awesome. Thank you again for your time. Certainly appreciate it.  [00:18:54] Angad Guglani: Thanks Sam. Have a good one. 

#59 In this episode Chichi and Ng discuss Chichi's epiphany about whether or not she is simply "undateable." More specifically the question is whether high earning black women, especially millennials, are just not dateable in the eyes of our male counterparts. They discuss how this is the first generation where woman are more independent, more successful, and aren't willing to shrink themselves to make a man feel bigger. This juicy discussion is one you do not want to miss! If you have a question or comment that you want featured on a future episodes OR if you just want to say hello DM us on instagram @lessonsofthesixfigurewoman or email us at LOTSFW@gmail.com

Today, Rehan talks about two stories regarding Tuesday's earnings. Topics discussed: The difference in today's blue chip earnings The important tech earnings that took place Links mentioned in this episode: https://invstr.com/talking-about/ https://invstr.com/tech-time/ https://invstr.com/26-july-watchlist-4-2/

Say It Skillfully® is a show that helps you to benefit from Molly Tschang's expert guidance on the best possible ways to speak your mind at work in a positive and productive manner. In Episode 141, Molly is joined by Marshall Goldsmith—her biggest inspiration for Say It Skillfully, a huge contributor to the fields of management, leadership, and coaching, and a man who helped create coaching as a discipline. He joins the show to help us live in the present and also shares what he's been up to, including his new book! Usually always traveling, Marshall talks about adjusting his lifestyle during Covid times and how he made the most out of the situation. Hear about how reaching out and having conversations with people about their lives during the pandemic helped him learn a lot and fueled his book, The Earned Life. Don't miss key themes from the book, including the importance of not overly focusing on outcomes. Always an outstanding coach to me and many others, Marshall passes on many lessons learned. He talks about separating achievement from personal peace and success. He shares the importance of “forgiving people for who they are.” Marshall describes how many successful people are unhappy, because finding happiness in achievement is very short term and can cause people to live in the past. Also, he shares what he learned by studying Buddhism, including being happy with what you have, and how his book applies Buddhist philosophy to everyday life. Don't miss Marshall go in depth about aspirations, ambitions, and actions, and also share a related story about one of the biggest mistakes he made, which ended up in him breaking his neck! He shares his top takeaways, including three themes from interviewing old folks near death: 1. Be happy now. 2. Never get so busy climbing the ladder of success that you don't make time for friends and family. 3. If you have a dream, just go for it. Marshall inspires all to know no boundaries and to commit to taking action so that all can be safe, seen and heard, and our true and best selves. Molly's thought for the week (of course from Marshall): The pursuit of an earned life is not a goal for a distant time, but a way of living every moment. #sayitskillfully resources for you: https://sayitskillfully.com * How to ban the three words that kill conversation http://bit.ly/3h1FGeZ Marshall on previous episode of Say It Skillfully: * Episode 100…Being Happy Now and Here https://bit.ly/3Aha5hc * Episode 29…Dealing with reality as it is, “feedforward and more...https://bit.ly/3zitwIa

OUR HOSTS:  Corinne Foxx -https://www.instagram.com/corinnefoxx/ ( @corinnefoxx) Natalie McMillan -https://www.instagram.com/nataliemcm/ ( @nataliemcm) and https://www.instagram.com/shopnataliemcmillan/?hl=en (@shopnataliemcmillan)  What we're drinking: https://www.vivino.com/US-CA/en/kaiken-indomito-malbec/w/9691750 (Kaiken Indómito Malbec)  TOPIC:  It seems like every other news headline is about inflation, supply chain, and interest rates, but what do those things actually mean? We break it all down in today's episode and explain how you can empower yourself financially during these uncertain times. Inflation is actually a very normal part of a healthy economy. We dive into what the Federal Reserve (aka the Fed) is, systems that are in place to prevent hyperinflation, and Warren Buffet's top tips for earning money in a down economy.  In this episode, we discuss: Real world examples that demonstrate how we arrived to today's economic situation  The core responsibilities of the Fed  How lower interest rates help stimulate the economy Why you shouldn't panic and hide all your money under your mattress (despite what your grandma told you)  How to beat inflation by investing in good businesses with low capital needs RESOURCES MENTIONED:  https://podcasts.apple.com/us/podcast/saving-vs-investing-which-one-is-right-for-you/id1526684996?i=1000492933366&l=en (Episode 7. Saving vs. Investing: Which One is Right for You?) https://podcasts.apple.com/us/podcast/investing-101-a-beginners-guide-to-earning-%24tacks-on-%24tacks/id1526684996?i=1000505068768&l=en (Episode 22. Investing 101: A Beginner's Guide to Earning $tacks on $tacks )   END OF THE SHOW:  Corinne and Natalie introduce Hottie of the Week: Austin Butler WINE RATING: https://www.vivino.com/US-CA/en/kaiken-indomito-malbec/w/9691750 (Kaiken Indómito Malbec)  = 7.5 / Austin  WRAP UP: To wrap up the episode, Corinne and Natalie play Overrated/Underrated. Corinne shares her hot take on Mexican food staples, and Nat has some strong opinions on who should be considered today's biggest and best rapper.  We have a newsletter for our Am I community. You can sign up for the newsletter on our website: http://amidoingthisrightpod.com (amidoingthisrightpod.com) You can email us for episode ideas or Random Advice: amidoingthisrightpod@gmail.com Follow us on Instagram: https://www.instagram.com/amidoingthisrightpod/ (@amidoingthisrightpod ) Don't forget to rate and review the podcast! It really helps us grow!

Designing an intuitive, poolside application that led to 6 gold medals When a key piece of technology broke, Swimming Australia partnered with Slalom Build to help implement a new relay application less than a month before the 2020 Tokyo Games. In this episode, Michelle Oh from the Australia market details the ins and outs of new data-driven application and shares valuable insights on what it was like to leverage machine learning and artificial intelligence to inform competitive race strategies. In this near real-time decision making app, the accuracy of data in a coach's hand is crucial - even being off by .1 of a millisecond could put a gold medal at risk. Contact: Michelle Oh Tags: Build, UI, machine learning, ML, AI, swimming, Olympics, data, analytics, Australia, race, gold medals, PEM, product engineering, AWS, application modernization, experience design, AWS Serverless Data Lake Framework (SDLF)  

If you can't deal with your emotions, you can't deal with your money. So in this episode with Coco the astro economist, we talk building your intuition to build your wealth, working on your self-worth to build you net worth, busting your ‘hard work' beliefs, and not waiting for the perfect time. We also explore how empowering ourselves as mothers, empowers our daughters so they may free themselves from a life of financial abuse. In this two-part series we cover:* The crippling effect of the fear of 'losing it all' that holds you and your family back* What a good money manager is and how to become one* Your self-worth underpins your ability to make money and build your wealth* Make love to the numbers you hate* Earning more than your partner is not a bad thing, you just usher in a new version of your partner* Choosing intuition over intellect towards financial growth* Following the small signs each day to build a strong trust in your own intuition* We can subconsciously sabotage ourselves and 'lose it all' in order to stay connected to our friends and family circles* The importance of building a network that helps you go through the ceiling - your network is your net-worth!* You first have to trust your own intuition, then you 'train' your family/partner to trust it* Everything has a gift, what is your gift right now? Especially when life has dealt you a huge challenge.* The difference between intuition and emotion and how to nuance the difference for yourself* economic cycles have synergy with astrological cycles* How to 'read the media' for where we're at in the bull or bare cycles* How to beat FOMO - everything has an 'opportunity cost' - it's only important that you're grounded and in-alignment with YOUR values, comparison is death* focusing on where you CAN monetise To connect with Coco, find her on Instagram at @iamcocodee and at https://coralinedufroux.comTo explore feminine embodiment, intimacy and relationship in Honey Club with Julie, visit https://julietenner.love/To explore conscious parenting and inspiring motherhood in Reimagining Motherhood with Bridget, visit https://www.bridgetwood.life/

Business is booming and you need to hire people to help with all the clients. However, sometimes hiring people will kill your profits and your personal income. It is critical that you hire for the right reasons. Sometimes, you are better off raising your prices vs hiring people.   _______________________________

A recent report on the future of marketing commissioned by customer engagement platform provider Pegasystems found that more than half (51%) of marketing leaders felt that investment in MarTech could increase revenues by 10% to 40% over the next five years. On the other hand, 59%. also admit that they haven't been allocated enough budget to deliver truly effective. digital transformation. The study was full of interesting datapoints and insights about what marketers think will be important to them being able to do their jobs going forward, and I was able to ask a few questions of my own during a recent LinkedIn Live conversation with Tara DeZao, Director of Product Marketing, AdTech and MarTech at Pega. Tara goes over some of the main findings of the survey, and also provides her take on what the implications are as MADTech (marketing and advertising technology) itself transforms customer expectations and demands for how companies communicate with them going forward – whether that by via text, email, in the Metaverse or anything else hurtling in our direction at accelerating speeds.

In this last episode with Sydney Day at the University of Iowa she surprises me that she was able to get an interview for a part-time academic position with her experience here. If you're interested in talking to me about the APPE or participation in teaching, email me at tonythepharmacist@gmail.com 

1. Earnings Season in full throttle. Last night, SNAP reported earnings that really disappointed the street. The stock is trading lower by 35% to $10.59 a share. Last year in September 2021, this stock traded as high as $83.00 a share, what a difference a year makes. You can now tell this is a much different environment without the central bank's easy money. Next week, the mega cmap tech stocks like Apple, Amazon & Microsoft report earnings.  2. Bond yields are down sharply again today. The 10-year note yield is down another 13 basis points to 2.78%. The 2-year yield is now down 12 basis points to 2.97%. While these are big drops there is still an inverted yield curve in place between 2's and 10's. This is  going to be a problem soon for the markets and the economy. 3. Gold is catching a bid from a severe oversold condition. Gold miners are also trading higher. They look very attractive right now. 4.Bitcoin is trading up a little and is sitting right around the 23,300 area. While this could still bounce a bit in the near term the larger time frame pattern is in a down-trend. 

Trust is one of the best ways to future proof your business, but it's something harder to build on a larger scale. To gain trust you need attention, and to get attention you need to be trusted. So what comes first? How do you gain that authority as a newbie to online business? Let's chat. […] The post MOTM #390: Earning Clout in the Online Space as a Newbie first appeared on The Movement Maestro. The post MOTM #390: Earning Clout in the Online Space as a Newbie appeared first on The Movement Maestro.

Ready to create and launch a profitable passive income digital product? Tune in to find out more!    Episode Introduction:  Our guest today built a six-figure business solely through passive income digital products and then went on to teach her followers how to do the same. Megan Martin is a passive income educator who helps business owners set up their digital products from scratch along with teaching them innovative marketing strategies to help them sell them.   Episode Summary:  Megan Martin walks us through her journey of trying to DIY her own website to being a booked-out web designer within a few months and how that led her to create a business where she enables entrepreneurs to achieve financial freedom and mobility by building a sustainable income through passive income from digital products. You're going to want to make a note of all the gems she's dropping in today's episode.   Main Takeaways: Before you rebrand your business, ensure that you want to stick to that messaging long-term. There is no one way to sell your digital products. You just have to try different strategies before you can find one that works for your business. Email marketing yields great results for a digital product-based business if you do it the right way. Long-term marketing strategies will help you gain traffic years after they've been executed as opposed to short-term marketing strategies that work on getting instant results.   Fun Facts About Megan Martin: One book that she would recommend to our listeners is Predictably Irrational by Dan Ariely.   Resources:  Laura Foote's Podcast Interview: https://www.gbplaw.com/season-one/53   Find Megan Martin: Website: https://jeremyandmegan.com/ Instagram: https://www.instagram.com/jeremyandmegan/ Podcast: https://talkingsmallbusinesspodcast.com/ YouTube Channel: https://www.youtube.com/c/jeremyandmegan Get the visual experience, watch the videocast for the episode here: https://youtu.be/M2_36paCWl0   Connect With Girija: Website: https://www.gbplaw.com/ Instagram: https://www.instagram.com/gbplaw/ Facebook: https://www.facebook.com/GBPLaw/   Help us mentor other entrepreneurs through the power of storytelling by rating us and leaving a positive review on Apple Podcast: https://podcasts.apple.com/us/podcast/law-chat-with-girija/id1528580730   Get the FREE Five Day Legal Audit: https://yourcontractbuddy.com/5-day-free-legal-audit-challenge/   Join Law Chat for Entrepreneurs Free Facebook Community: ​​https://www.facebook.com/groups/lawchat   Get Ready To Use Contract Templates At: https://yourcontractbuddy.com/

The soft life is amazing. It's for those of us who want success without stress, overwhelm, and burnout. Who doesn't want that? But lately, "soft life" has become a hot trend on social media and a controversial topic for many hard-working women. The truth is that the concept of a soft life aligns with the core theme of the balanced lady boss! Today I'm demystifying the soft life trend and sharing the three main principles of creating soft life success as a woman in the corporate world. In this epic, I'm sharing why I've been talking about the soft life since 2018 and the problem with vilifying the soft life; we're also breaking the myths about the soft life, talking about why it's here to stay, and more. Enjoy the epic!   Highlights The rise of #softlife on social media Breaking the soft-life-needs-money myth Why the younger generations are not accepting the hard life status quo Earning and working in a way that supports your wellness The story I grew up with around money and working hard Taking a hard life easy Self-awareness as the key anchor in leadership and life Getting clear on your values What practical prioritization looks like   Resources & Recommendations Balance Basics Blueprint https://balancedbossmovement.com/blueprint   Want more insights about living an intentionally balanced life? Balanced Lady Boss Website http://www.balancedladyboss.com/ Stacey Hines on Instagram https://www.instagram.com/iamstaceyhines/ Balanced Lady Boss Community on LinkedIn https://www.linkedin.com/company/balanced-lady-boss/ Stacey Hines on YouTube https://www.youtube.com/channel/UCn8qEvzMHlDR9SuROLfRAAw

In this episode of the Planned Solutions Incorporated Podcast, The second-quarter earnings season, in which companies report their results for the second quarter, will be picking up steam soon. The results will likely have a significant impact on stock returns for the remainder of the year as investors assess how companies are dealing with inflation, rising interest rates, and concerns about economic growth. In addition, the number and amount of negative earnings adjustments that are taken this quarter may impact the overall earnings results as they have during past market downturns. Also, While the major stock indexes were down as much as 20% earlier this year there are several areas of the market where the losses have been much greater. The cryptocurrency area as well as technology companies that recently went public have experienced losses of 70-80% over the past nine months. However, many mainstream investors did not participate in these investments making their experience much different. And, The IRS recommends that taxpayers, including those who are on extension, not wait until the last minute to file their returns. The IRS is already dealing with a large backlog of returns to be processed so the sooner a taxpayer gets their return into the IRS the sooner their refund may be processed. Those who wait until the deadline may end up at “the back of the line” which could lead to a long delay in processing. Plus a look at the Planned Solutions Incorporated Office Bulletin Board- Planned Solutions sponsored and Chase and Joel played in a golf tournament in support of the Katie Nues Foundation. The Katie Nues Foundation founded the first clinic to treat children with Rett's disease on the West Coast located in Oakland, CA. The Foundation continues to fund the clinic's operations and offer support for families whose children have been diagnosed with Rett's disease. Our office construction is complete although we are still unpacking and hanging decorations as we are able to get to it. So, our office is back to its normal function without any significant disruptions to in-office meetings. However, for those who prefer it, we are happy to offer phone and Zoom meetings as well. Daryl has been accepted into the UC Davis Extension Executive Leadership Program. This program is designed for business leaders in the Sacramento Region who seek to develop leadership skills that will aid them in managing an organization while networking with other leaders from the public, private, and non-profit sectors. Participants must apply to the program and are accepted based on their education, experience, and leadership potential. Please mark your calendars if you will be able to attend. Date: Friday, September 9th, 2022 Location: Rancho Murieta Country Club – South Course 7000 Alameda Drive ancho Murieta, CA 95683 Time: 12:30 pm shotgun start with a dinner to follow All profits go to cancer research and education. You can help by attending the tournament or donating. Not golfing? Bring friends and attend the dinner. Chase Armer's book- Financial Planning Insights is now available at: www.amazon.com/Financial-Planning…1586894022&sr=8-1 To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast) please e-mail Katie@PlannedSolutions.com The Personal Finance Review is published and distributed on a biweekly basis by Planned Solutions, Inc. for informational purposes only. Please seek the advice of a qualified financial planner before taking any action. Planned Solutions, Inc.

The Big Themes:Great software alone isn't enough: For success in a digital transformation project, choosing the right partner to help implement software is just as important as choosing the right software itself.Partner-project fit: The most important factor to consider in picking an implementation partner is project fit, and making sure that the team members assigned to work with you are well versed in the software, in your industry, etc.Why being a "preferred partner" matters: Bonnie estimates that the top 25% of software vendors get around 80% of the opportunities and projects.The Big Quote: "To the extent that you can tell them something they did not know... or you have a level of expertise or intelligence that competitively they could take advantage of, if you can be that person to them, that trusted advisor, that's really key."

In this episode Dan and Hugh discuss: This Week in the Market, SPY's Big Move (1:40), $NFLX Earnings (16:17), $TSLA ER This Week (25:31), $APPL Hiring, Spending (29:04), Hugh's SPY Levels (33:10) 21-year-old millionaire Hugh Henne and his host, Dan, Deity of Dips, dive into the stock market in a fun yet informative way (Prod. by @Vinny_Strokes and @Serwinski). The above references and podcast are an opinion and are for information purposes only. It is not intended to be investment advice. Seek a duly licensed professional for investment advice. Music by Prod. Riddiman (https://www.youtube.com/channel/UCdSu...) See omnystudio.com/listener for privacy information.

What should you have done when you have nothing to shell out from your pocket but are bent on flipping your current situation? Here's one guy who doubled down on his real estate investing business and, most importantly, leveraged YouTube to grow his business exponentially. Aditya Soma is a full-time realtor & investor, and part-time YouTuber. He immigrated to Canada as a student in 2012 with a huge debt and got into real estate in March 2017. He acquired his primary home and did house hacking. Later he bought the ugliest duplex, lived in 1 unit, and rented out the other one. Fast forward five years; now, he owns 44 doors and has been rated as the#1 agent two years in a row for 2020 & 2021. In this episode, Aditya shares how you can create YouTube content that is most useful to your target audience. Being one who started posting content out of nowhere, now he understands the importance of showing specific posts to a market he focuses on. He also drives home a point of what it means to be always giving value to reinforce the know-like-trust factor of your business. Checkout: Raising Capital Without Rejection Full-Day Workshop (Online): https://investorattractionworkshop.com/ What you'll learn in just 14 minutes from today's episode: Discover how you can grow your real estate investing business by leveraging YouTube Learn to market your real estate business without spending a ton of money Hear about carving something unique about yourself that makes you resonate with your audience for them to do business with you Resources: YouTube: http://www.youtube.com/adityakumarsoma Topics Covered: 03:03 - Deep in debt and with a failed construction project 04:38 - Stumbling into YouTube and making success history from there 06:31 - Doing free marketing with YouTube 07:23 - YouTube content that started it all for his real estate business 07:54 - How he resonated with his target audience 09:49 - Earning four times his day job salary and completely wiping out his debts in just a year of getting involved with YouTube 12:07 - How to come up with something unique to connect with your target market 13:38 - How he organically grows his YouTube followers 14:14 - Working out what works for him 15:22 - Advice to would-be real estate investors and professionals in the same industry 17:32 - One helpful resource that would help you out in your real estate business journey Key Takeaways: "I started my YouTube channel, and I registered for a license. I don't have that much money to go on marketing different things because this was free stuff. Everyone can post anything. And there, you don't really need money to do it. All you need is different skills to learn, which are editing, posting, and all those things." - Aditya Soma "People who connected with my story, who connected with me, said, you know, I love to do what you're doing. I would like to buy a rental property with you." - Aditya Soma "In the first few months, I realized, 'Oh, my God, this is insane.' Because no one is doing this. All you need to do is dedicate your time. And it's free marketing [YouTube]." - Aditya Soma "That big moment for me was all my debts were cleared after paying the taxes, just with one year. And the biggest, biggest reason is social media, especially YouTube." - Aditya Soma "There is always an audience, different people who connect with your story, experiences, and knowledge. Because everyone's got something about themselves that other people will like. Trust me, out of 10 people; probably one person will like you. That's all we need to succeed in sales." - Aditya Soma Connect with Aditya Soma: Website: https://wincityre.com/ YouTube: http://www.youtube.com/adityakumarsoma Instagram: http://www.instagram.com/Adityakumarsoma Connect with Dave Dubeau: Podcast: http://www.propertyprofitspodcast.com/ Website: https://davedubeau.com/home Investor Attraction Workshop: http://www.investorattractionworkshop.com/ Facebook: https://www.facebook.com/thedavedubeau LinkedIn: http://linkedin.com/in/davedubeau  

Scorching temperatures now expanding coast-to-coast – this, as a heat wave melts an airport runway in Europe. Al Roker has your full forecast. Plus, emotions boil over a school board meeting in Uvalde, Texas – parents demanding answers after that new report labeled the shooting response a “systemic failure.” And, a Consumer Confidential on the future of Netflix – the streaming giant is set to release its latest earnings report after the company saw a steep decline in subscribers last quarter. What will today's news mean for Netflix's millions of subscribers?

Bill to support US CHIPS, Boeing, Stocks that will survive, Earning season calendar 

This week on Chasing Edges, Brian jumps on a call with Florida State's Director of Strength & Conditioning, Josh Storms.Topics include:- Intro (0:00)- Coaching at Florida State University-  Earning the trust of athletes- Hiring his team for FSU- Executing on the hard work and training-----Catch the video podcast on YouTube, and follow us on social media (@chasingedges) for clips, bonus content, and updates throughout the week.FOLLOW BRIAN ON:InstagramTwitter-----SUPPORT OUR SPONSORSBreath Belt: Get 20% OFF with code EDGES20 at https://thebreathbelt.com/-----PRODUCED BY:Alex Lagos / Lagos Creative

Graduates with a master's degree in cyber security are reporting average salaries of $214,000. **Study Notes** https://www.TechnologyGee.com/it-certification-study-materials/ **Discounted CompTIA Exam Vouchers** https://www.TechnologyGee.com/discounted-comptia-exam-vouchers/ **CompTIA Virtual Simulation Labs** https://www.TechnologyGee.com/comptia-virtual-labs/ **Equipment I Use for Making Videos** https://www.TechnologyGee.com/podcast-youtube-equipment/ --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/tech-gee/support

If you can't deal with your emotions, you can't deal with your money. So in this episode with Coco the astro economist, we talk building your intuition to build your wealth, working on your self-worth to build you net worth, busting your ‘hard work' beliefs, and not waiting for the perfect time. We also explore how empowering ourselves as mothers, empowers our daughters so they may free themselves from a life of financial abuse. In this two-part series we cover:* The crippling effect of the fear of 'losing it all' that holds you and your family back* What a good money manager is and how to become one* Your self-worth underpins your ability to make money and build your wealth* Make love to the numbers you hate* Earning more than your partner is not a bad thing, you just usher in a new version of your partner* Choosing intuition over intellect towards financial growth* Following the small signs each day to build a strong trust in your own intuition* We can subconsciously sabotage ourselves and 'lose it all' in order to stay connected to our friends and family circles* The importance of building a network that helps you go through the ceiling - your network is your net-worth!* You first have to trust your own intuition, then you 'train' your family/partner to trust it* Everything has a gift, what is your gift right now? Especially when life has dealt you a huge challenge.* The difference between intuition and emotion and how to nuance the difference for yourself* economic cycles have synergy with astrological cycles* How to 'read the media' for where we're at in the bull or bare cycles* How to beat FOMO - everything has an 'opportunity cost' - it's only important that you're grounded and in-alignment with YOUR values, comparison is death* focusing on where you CAN monetise To connect with Coco, find her on Instagram at @iamcocodee and at https://coralinedufroux.comTo explore feminine embodiment, intimacy and relationship in Honey Club with Julie, visit https://julietenner.love/To explore conscious parenting and inspiring motherhood in Reimagining Motherhood with Bridget, visit https://www.bridgetwood.life/

Exodus 22:25 says, “If you lend money to any of My people who are poor among you, you shall not be like a moneylender to him; you shall not charge him interest” (NKJV). Several other Bible passages reiterate the same theme: God prohibited His people from charging interest on their money, at least when loaned to a fellow Israelite.Considering this, is it a sin for modern Christians to put their money in the bank or financial markets for the purpose of earning interest? Does capitalism contradict God's Word? Dr. David K. Bernard answers these questions by comparing the setting of these biblical commands with the economic realities of the twenty-first century.If you enjoy this podcast, leave a rating and a review on iTunes or your preferred podcast platform. We also greatly appreciate it when you share Apostolic Life in the 21st Century with your family and friends.

Many new business owners tend to set their prices based on the amount of money they need each month to cover their personal expenses. However, this is not how you want to do it but I want to explain why and how you still can accomplish the same thing but look at it differently. Plus, let's discuss those personal expenses that are also business expenses sometimes.   _______________________________

We finish our conversation with Jess Lenouvel this week on her book and strategy called More Money, Less Hustle.  Today Jess discusses the Seven Pillars that will earn you more money without having to work yourself to death and hating your career.  Jess specializes in helping real estate agents get to seven figures so these pillars are tried and true.Also, a very important UPDATE from the VA on non-allowable fees.Don't forget to like us and share us!Gary* Gary serves on the South Carolina Real Estate Commission as a Commissioner. The opinions expressed herein are his opinions and are not necessarily the opinions of the SC Real Estate Commission. This podcast is not to be considered legal advice. Please consult an attorney in your area. 

Brit Bennett is the author of the dazzling coming of age novel The Mothers and the National Book Award nominated novel, The Vanishing Half, which was also longlisted for an Andrew Carnegie Medal for Excellence in Fiction. Bennett was named a 5 Under 35 honoree by the National Book Foundation and the book was longlisted for the NBCC John Leonard First Novel Prize and the PEN/Robert W. Bingham Prize for Debut Fiction. Her work has also been featured in the New York Times, The New Yorker, The New York Times Magazine, and The Paris Review. While an undergraduate at Stanford, she won the Bocock/ Guerard and Robert M. Golden Thesis prizes for her fiction. Earning her MFA at University of Michigan, she won a Hopwood Award in Graduate Short Fiction as well as the 2014 Hurston/ Wright Award in College Writing. Her conversations are as memorable as her writing and give audiences a window into her craft while exploring broader themes of race and systemic injustice. Interviewer Nikesha Elise Williams is a two-time Emmy award winning producer, an award-winning author, and producer and host of the Black & Published podcast. Her latest novel, Beyond Bourbon Street, was awarded Best Fiction by the Black Caucus of African-American Librarians in the 2021 Self-Published eBook Literary Awards. It also received the 2020 Outstanding Book Award from the National Association of Black Journalists. Nikesha is a Chicago native and she attended The Florida State University. Nikesha writes full time with bylines in The Washington Post, ESSENCE, and VOX. Sign Up for Library U to hear about the latest Lit Chats and catch them live! — https://jaxpubliclibrary.org/library-u-enrollment Brit Bennett Borrow Brit Bennett's books from our catalog: https://jkpl.ent.sirsi.net/client/en_US/default/search/results?qu=AUTHOR%3D%22brit+bennett%22&te= Website: https://britbennett.com/ Twitter: https://twitter.com/britrbennett Nikesha Elise Williams Borrow Nikesha Elise Williams' books from our catalog: https://jkpl.ent.sirsi.net/client/en_US/default/search/results?qu=AUTHOR%3D%22nikesha+williams%22&te Website: newwrites.com Twitter: @Nikesha_Elise Jacksonville Public Library Website: jaxpubliclibrary.org Twitter: twitter.com/jaxlibrary Facebook: facebook.com/JaxLibrary Instagram: instagram.com/jaxlibrary YouTube: youtube.com/user/jaxpubliclibraryfl Contact Us: jplpromotions (at) coj.net

Forty-four percent of homes have female breadwinners, and women make up a large and growing share of high earners — but wealth management providers don't always tailor their advice and services to this reality. On the latest episode of the ABA Banking Journal Podcast — sponsored by Apiture — Kathleen Burns Kingsbury tackles some misperceptions about women and wealth. In this episode, Kingsbury discusses: The scope and scale of female breadwinners and high earners in today's wealth marketplace. How to address unconscious and implicit biases about women and wealth. Strategies that wealth advisers can use to build productive relationships with high-earning women. The kinds of questions that lead to productive conversations. The role of values in women's wealth decision-making, whether in philanthropy or in socially responsible investing. Kingsbury will address this topic at ABA's Annual Convention in Austin on Oct. 2-4. Register before Aug. 1 for early-bird savings.

Payback Time Podcast Payback Time is a podcast for investors. The goal of this podcast is to help make investing approachable and easy to understand. We will interview beginner and experienced investors and ask them to share stories on how they got started, what challenges they faced, what mistakes they made, and what strategy works for them today. The overall objective is to provide you with a roadmap that helps you become a better investor. Sammie Ellard-King My next guest started investing in ETFs and, as he gained confidence, began investing in individual stocks. Over the last 8 years, his returns have outperformed the market, generating on average 20% per year. In this episode, he shares what he looks for in the financials, what he looks for in businesses, some of his top-performing stocks, and how many stocks he holds in his portfolio. Please welcome Sammie Ellard-King key timecodes (01:02) - Background history (02:06) - His hospitality business model (03:26) - Deeper into his hospitality business (08:19) - The courses, shop, and marketing at his website (10:16) - His Investing journey. (11:53) - The capital he started investing with. (13:08) - His investment strategy (14:47) - The use of the 4M analysis in his strategy (16:07) - How this strategy relates to the TYKR philosophy (18:40) - Deeper into his recent approach with tech stocks (23:18) - What stocks does he hold? (26:05) - His focus on the business model to evaluate the stocks (28:16) - Deeper into how TYKR works and is similar to his vision (32:33) - Analyzing together and commenting about the stocks he owns (34:46) - "When the market goes up we make money, but when the market goes down we get rich!" (36:25) - His returns in 2020 (41:09) - Guest contacts

Fox 40's Sean Cunningham, Brenden Nunes from the Kings Pulse Podcast and The Kings Beat's James Ham join forces for coverage of the erratic Sacramento Kings. Topics include a breakdown of Keegan Murray, Neemias Queta and Keon Ellis at Las Vegas Summer League, Kings bring in veterans for a workout, Sasha Vezenkov might stay overseas, pressure off of De'Aaron Fox, Kings still looking to make a big trade, as well as another edition of the business of basketball. Thanks for joining us on this adventure! Big shoutout to Paul Jinkerson (@paulitition) for creating a new intro and outro for the podcast and to Brenden for creating our new overlay for the podcast. The Kings Beat merchandise shop: https://thekingsbeat.myshopify.com/ 15% off The Kings Beat merchandise shop: KBPOD Jump on board with a premium subscription to The Kings Beat: https://kings-beat.beehiiv.com/upgrade Or start out with a free subscription to The Kings Beat: https://kings-beat.beehiiv.com/subscribe

In this episode we talk all kinds of summer time fun!  Utilizing cell cams for deer on the opposite end of the U.S. and how we earned some access to hunt a really special farm. We also, talk a few conspiracy theories, trout fishing, camping and scouting high country for mule deer and elk hunting, and why we are still just regular ol' deer hunting bums.   GET YOUR TICKETS HERE!!!! For the DIY Hunting Meet-up.   Super excited to partner with OnX to focus on tactics and scouting. We will have a Q&A session, catered Mexican food dinner, refreshments, and will also be showing a never-before-seen video of our successful late-SZN Oklahoma public land hunt!  Giveaways will include OnX, Vector, Element merchandise, and more! Things kickoff at 6pm on Friday July 15th at Cabela's in Buda, Tx. We can't wait to see ya there!   TOP Bowhunting FAILS!   It just doesn't get any better than these two hunts:   Tyler's KANSAS Giant 18 pt! K.C.'s Dramatic Biggest BUCK EVER!   Be sure and subscribe on YOUTUBE so you can experience all the action on film!   BUY ONE OF OUR NEW SHIRTS and HOODIES! www.theelementwild.com/shop   The MAP SCOUT CHALLENGE powered by OnX  THE MOST COMPREHENSIVE PUBLIC LAND WHITETAIL MAP SCOUTING CONTENT EVER CREATED ON YOUTUBE.  -A ten part video series featuring Tyler Jones and K.C. Smith from The Element map scouting, putting eyes and feet on the deer country, then explaining their findings so that you can learn how to find, hunt, and arrow big bucks!   MAKE SURE YOU ARE SUBSCRIBED to our Youtube Channel. **GIANT TEXAS PUBLIC BUCK**   Comfort and Mobility Matter. Go With The Best of Both. CRUZR Tree Saddles   Our Camo System First Lite Hunting   The best map app there is. Find Access to YOUR public lands with OnX Maps. Know where you stand. #onxhunt   Durable Customizable Arrows, Quality Components, Good People, Fast Shipping. Vector Custom Shop   Need Some Dependable Trail Cameras That Won't Break The Bank? Moultrie Trail Cameras   Here are the bows we shoot: bowtecharchery.com     To find out more on Texas Public Land opportunities, visit the Texas Parks and Wildlife website. TPWD     Rock out with Tyler and the Tribe!  

We're kicking off the week by answering listener questions! And if you have a question that you'd like for us to answer on the show, we'd love for you to submit your own via HowToMoney.com/ask , send us your voice memo. Regardless of how random or bizarre you might think it is, we want to hear it! 1 - Does it make sense to buy an RV in order to avoid high real estate costs? 2 - How wealthy will my girlfriend get after earning her master's degree in counseling? 3 - Given the recent volatility of the stock market, should we tweak the allocation of a 529 account we just set up? 4 - I'm interested in using real estate to semi-retire in 7 to 10 years- but where should I save or invest my down payment? 5 - Should I pay off my student loans or invest my extra savings? During this episode we enjoyed a Kolsch by Blaze Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you're not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money! Best friends out! See omnystudio.com/listener for privacy information.

While I'm not a fan of reading (can't sit still so I'm an audiobook person) I am a fan of learning as much as I can about being a better business person and leader. There is a reason these 5 books tend to show up on many business owners' top 10 lists. Even if you get one nugget, it is worth the money. Plus, all 5 of these give a different nugget of information for your small business the second or third time you read them. They are gifts that keep giving and leading to more profit! …….LINKS BELOW Books I Recommend to All Small Business Owners – 5 Must Reads

James Heller is the CEO & Founder at Wrapify, the platform that pays gig-drivers to advertise on the road while giving brands the ability to be where they want anywhere in the US.

  "It's always better when you come from a place where you can talk about the scar instead of the wound." ~Daniel Blue Never having owned a business before, and then facing heavy litigation, Daniel knows how to adapt and overcome really big mistakes. He credits his success to the crew he runs with. He was close to quitting, but he stuck it out and learned how to win by practicing gratitude even through hard times. He has a championship mindset. What You'll Learn: ✅ Surviving litigation is difficult and expensive, but sometimes we have to face these hurdles. We have to learn how to overcome them.  ✅ Sometimes you outgrow people, and that's okay!  ✅ Be super real with your team. That is the only way to lead.  ✅ A part of growth is realizing you're not always the one who has the best idea. The job of the leader is to gather the ideas and choose the best one, not to always come up with the best idea.  ✅ Keeping it real with those who report to you and those you report to, is truly pivotal to teamwork.  ✅ Find your key players and see if they have your back by going through battles together.  ✅ If you want people to trust you, you have to confide in them and let them see why you are making certain decisions. It creates team buy-in.  ✅ Talking about your scars will impact more people than talking about how you're wounded.  Connect With Daniel   www.danielblue.me Instagram: instagram.com/danielblue__ Facebook: facebook.com/profile.php?id=100026753792739 Buy My Book Unf**ck Your Business: https://amzn.to/3Oddfdd Work With Me Tomas Keenan: tomaskeenan.com

View the Show Notes Page for This Episode Become a Member to Receive Exclusive Content Sign Up to Receive Peter's Weekly Newsletter In this episode, Ric Elias, founder of Red Ventures, opens up about the fateful day he knew for certain that he was going to die as a passenger on US Airways Flight 1549. Ric dives deep into how that day impacted his life, greatly changed his perspective, and improved his relationship with his family and the broader community. We also talk about his incredible role as CEO of an enormous company, his remarkable work in philanthropy, and all the wisdom he has acquired in his extraordinary life. We discuss:  Ric's life leading up to the day of the plane crash [2:15]; The plane crash—What it's like knowing you're about to die, feelings of regret and sadness [8:00]; The improbable plane landing in the Hudson River [15:45]; Emotions after the safe landing (and a story he's never told before) [22:15]; A powerful story about Captain Sully [26:15]; Earning his second chance at life, and playing the “infinite game” [35:15]; Why time is the ultimate currency, and how (and why) to say “no” [43:00]; Raising kids in an achievement culture, Ric's definition of life success, and what Ric wants to instill in his kids [49:45]; What Ric believes is actually worth getting upset about, and the organizations that are taking steps to help people [1:05:45]; The core principles of Red Ventures (Ric's company) [1:16:00]; Ric's tips for developing business acumen and negotiation skills [1:26:15]; What qualities does Ric look for in people he wants to work with? [1:29:15]; What is the next big problem that Ric wants to solve? [1:32:15]; What is the most challenging part of your business today? [1:34:15]; If Ric could go back and talk to himself in the morning before getting on that plane, what would he say? [1:36:00]; and More. Connect With Peter on Twitter, Instagram, Facebook and YouTube

You might have heard of a book called Profit First by Mike Michalowicz. Some have embraced it and others have felt overwhelmed. Let's take a look at just a couple of the core parts and how they can help you immediately in your small business. Even adopting one or two concepts can make a huge difference in your profitability.    Grab the Audiobook or Book for Profit First by Mike Michalowicz – Click To Get The Book On Amazon –   _______________________________

Danny Randazzo is an author, entrepreneur, host of a mastermind, national speaker, and volunteer. His financial freedom journey started at five years old, and today his company owns $130,000,000 in real estate. Top 3 Value Bombs: 1. Everyone is responsible for their own success, their own freedom, and their own finances. 2. You cannot force finding the right people to work with. It needs to be a natural progression. 3. Make a change today that can benefit you and your family for generations to come. Visit Danny's website, where he shares how to passively invest in real estate - Passive Investing Sponsors: HubSpot: Customer expectations are at an all-time high, and making things easy is how you'll win. Learn more about how HubSpot can help your business grow better at HubSpot.com. Thrivetime Show: Is this your year? Visit ThrivetimeShow.com/eofire to see how Clay Clark's business coaching helps thousands of entrepreneurs to dramatically increase profitability. ZipRecruiter: Outstanding talent is crucial for a successful business. And if you're hiring, you can find talent for any role at ZipRecruiter. Try it for free today at ZipRecruiter.com/fire!

Ron Magill joins the show and is blown away by the efforts of an audience member. Plus, the young fathers of the group have been sold a false bill of goods on what Father's Day is supposed to be, and Mike refuses to answer Dan's questions just to drag his own father. Then, Skip Bayless's beef with Stephen A. Smith, Stugotz's networking, and how KD feels watching the Warriors win. Learn more about your ad choices. Visit megaphone.fm/adchoices