Podcasts about finance association

Small Business Finance Association v. Hewlett

Step into the fascinating fintech universe with Joachim Krüger, a visionary entrepreneur whose journey from existential musings in academia to trailblazing innovations in digital payments is nothing short of captivating. Inspired by the groundbreaking launch of the iPad by Steve Jobs, Joachim's pioneering concept of transforming tablets into mobile cash registers catalyzed his venture into the payments industry. Despite the hurdles of hardware integration, this visionary pursuit birthed the mobile payment solution mCash, now known as Vips. His adventures don't stop there; Joachim's tale of building an "Uber for trucks" unveils the multifaceted challenges of financing solutions for small and medium-sized enterprises, painting a vivid picture of fintech's intricate landscape.As we delve deeper into the transformative power of fintech, our conversation shifts focus to reimagining traditional banking products for the modern B2B landscape. Explore the parallels with the "buy now, pay later" movement in consumer finance and the critical role of banking partnerships in facilitating seamless cross-border transactions. We uncover small businesses' nuanced challenges, particularly in managing currency exchanges and the essential role of global partnerships with institutions like Santander and Allianz. These collaborations are instrumental in providing robust solutions catering to local and international markets, spanning Norway, the UK, Sweden, and the US.Finally, navigate the strategic expansion of fintech solutions across continents, from tech-forward collaborations in Norway to overcoming the legacy systems of the UK. Witness the adaptation strategies for the US market, where cultural payment preferences and time zone logistics demand innovation and flexibility. Discover how open banking, CBDCs, and AI are reshaping the B2B payment landscape, enhancing transaction efficiency while addressing the risks of fraud and identity verification. The episode culminates with a focus on the importance of intuitive digital solutions that align with internal company policies, hinting at a future where payment systems are as seamless as they are sophisticated.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech

What if blockchain technology could revolutionize corporate financial flows and save significant costs? In this episode, we promise you'll uncover the secrets behind this transformative potential with Patrick, a seasoned fintech expert. Patrick's unique journey, shaped by his bilingual upbringing in France and the Netherlands, has taken him from M&A advisory at ABN AMRO to entrepreneurial ventures in the fintech space, including his current role at Fipto. Hear firsthand how his role evolved from CFO to COO at iBanFirst, and the valuable lessons he learned about adaptability and problem-solving in the fast-paced world of startups.Building a global team can be challenging, but Patrick shares his strategies for success, including the practical application of OKRs (Objective Key Results). With a team of 30 senior experts from diverse regions such as Belgium, France, Portugal, and Israel, maintaining company culture and alignment is crucial. Discover how frequent team events and the strategic use of English as a common language support their international ambitions. Patrick offers invaluable advice to aspiring entrepreneurs, encouraging them to take the plunge and learn from their journey. Plus, get an introduction to Fipto's mission to enhance transparency, speed, and cost-efficiency in corporate financial flows using blockchain technology.Explore the future of financial services with insights into regulatory compliance under the evolving MICA framework and the significance of Central Bank Digital Currencies (CBDCs). Patrick discusses the challenges of on-ramping and off-ramping in regions like Latin America, Africa, and Asia, and the proactive regulatory environment in France that supports fintech growth. Learn about the cost-saving benefits of blockchain technology, especially in high-cost corridors, and the varying regulatory landscapes in emerging markets. We also delve into the growing influence of AI in the financial industry and its potential to enhance efficiency. This episode is packed with insights for anyone interested in the cutting-edge of fintech innovation.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech

Unlock the secrets of cross-border financing in Europe with Keiu Kalaus, the brilliant Chief Product Officer at Mifundo. From her unexpected career pivot from a Spanish translator to a leading innovator in the financial sector, Keiu's journey is nothing short of inspiring. We dissect the barriers to cross-border lending within the EU, enriched by Keiu's personal anecdotes and her deep understanding of systemic financial challenges. Gain invaluable insights into Mifundo's groundbreaking solutions, designed to bridge the gap between customer needs and banking requirements. We delve into the nuts and bolts of Mifundo's mission. You'll find practical tips on time management and goal visualization that could revolutionize your business approach.As we look ahead, explore Mifundo's ambitious growth plans within Europe, powered by cutting-edge AI for credit scoring and bank-customer matchmaking. Hear about the development of AI-driven machine learning models that promise to transform financial services, all under the careful watch of human oversight. We also examine the impact of European funding, regulatory frameworks, and the exciting potential of user-owned credit bureaus. This episode paints a vivid picture of the future of cross-border lending, addressing the complexities of currency risk and the regulatory landscape. Join us to see how Mifundo shapes a seamless financial future for expats and beyond.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech

Could understanding the intricate balance of management, coding, and legal expertise be the key to fintech success? Join us as we sit down with Robert, the dynamic founder and CEO of Paynovate, who has journeyed from studying business management, law, and computer programming to revolutionizing the electronic money sector. Robert opens up about his unique approach to juggling multiple roles and companies, sharing invaluable insights into time management and the critical importance of legal knowledge in business. We also get a glimpse into Robert's personal life and educational background, revealing the man behind the successful fintech entrepreneur.Building an international company is no small feat, but Robert's strategic vision makes it seem achievable. He discusses the importance of hiring English-speaking employees for seamless communication across borders and the thoughtful selection of technology stacks based on available talent. Navigating international regulations and compliance is no easy task, but Robert shares his experiences and the lessons learned from expanding Paynovate across different jurisdictions. Additionally, we introduce PenoVate, another innovative electronic money institution from Brussels, and delve into its unique services and regulatory framework.The future of payments is here, and Robert provides a forward-thinking perspective on trends like de-risking, instant payments, and the transition from cash to digital money accelerated by COVID-19. He explains how Paynovate caters to underserved sectors such as gambling and non-profit organizations, offering specialized financial solutions that traditional banks often overlook. We discuss the role of technology and innovation in these evolving services and the challenges of interoperability in international payments. Robert closes with insights on the potential of stablecoins and Central Bank Digital Currencies (CBDCs) to address these issues, leaving listeners with a provocative look at what's next for the fintech industry.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech

Struggling to break into the Australian property market? This episode of the Australian Property Investment Podcast is your key to unlocking success! Join Aaron Christie David as he dives deep with brokers Damien and Bernie. As mortgage brokers, they see it all - the good, the great, the bad and the 1% property investors who have scaled their portfolios to new heights. Feeling stuck as a self-employed borrower? New strategies are here to help you secure finance. The episode tackles the crucial topic of navigating the "haves & have-nots" gap in the property market, and Aaron even shares his money mentor and the secret to building wealth beyond property. Plus, learn from Bernadette's money management system and how she's become her own money mentor. Curious about property market predictions for 2024 and beyond? Tune in for insights that will guide your investment decisions. You wouldn't want to miss this episode - it's packed with actionable tips and cautionary tales you won't want to missTimestamps 00:00 - Introduction and EOFY Reflection06:50 - What's new in the Lending Industry11:28 - New Strategies for Self-Employed17:59 - The Growing Gap in the Property Market20:22 - Who Is Your Current Money Mentor?27:22 - Property Market Predictions34:16 - OutroAbout Atelier Wealth: Today, Atelier Wealth is a multi-award-winning mortgage brokerage. Our passion, experience, and dedication are key ingredients in helping us maintain our position as one of Sydney's leading mortgage brokers.We will do everything in our power to help our clients on their property journey. We work with a variety of clients with differing personal and financial circumstances. Some of our clients may be struggling to secure a loan for any number of reasons.No matter what your property goal is, we can help. At Atelier Wealth, we find it incredibly rewarding to assist our clients to secure finance. We work in partnership with our clients to make their property dreams come true. Together we'll make it happen.About Aaron:Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron's focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.Connect with Aaron: Visit the website: https://atelierwealth.com.au/ Follow the Australian Investment Property Podcast's Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/Follow Aaron on Facebook: https://www.facebook.com/aaronchristiedavidFollow Aaron on LinkedIn: https://www.linkedin.com/in/aaronchristiedavid/Subscribe to Atelier Wealth's YouTube Channel: https://www.youtube.com/@atelierwealth_au

Welcome to Beyond the Thesis with Papa PhD! In today's episode, I'm thrilled to have Dr. Stephani Mason join us. Dr. Mason, an associate professor of accounting at DePaul University, is renowned for her impactful work on diversity and representation in academia and beyond. Today, we dive into the transformative impact of PhD programs on career paths and the vital role of researchers in non-academic settings and into the raison d'être of The PhD Project - pomoting diversity in faculty in the accounting/economics space. Join us as Dr. Mason shares insights on preparing individuals to utilize their talents for the public good, the importance of evidence-based decision-making, and the power of mentorship through initiatives like The PhD Project. Listen in to learn how this groundbreaking project has been diversifying corporate America and academia for 30 years, helping underrepresented minorities pursue PhDs in business disciplines. Whether you're interested in educational equity, the PhD journey, or the transformative power of diversity, this episode is packed with wisdom and inspiration! Dr. Stephani Mason is an Associate Professor of Accounting at DePaul University, where she teaches advanced-level undergraduate and graduate courses in accounting and valuation. She earned her Ph.D. in accounting at Rutgers University, her MBA in finance and accounting at the University of Chicago, and her BS in accounting at North Carolina A&T State University. With over a decade working in investment management at JP Morgan Investment Management, the JP Morgan Private Bank, and US Trust, she conducts academic research on accounting/auditing standards, financial regulation, as well as diversity in the accounting and finance industries. Mason serves as a member of The PhD Project Advisory Council (PAC-15), the Black Alliance of Colleges and Employers (BACE) board of directors, the AICPA National Accreditation Commission, Business Valuation Task Force, and Financial Instruments Advisory Group, and the American Accounting Association Meetings Committee and Diversity Initiative. In addition, she is a long-term committee member of the Canadian Academic Accounting Association, British Accounting and Finance Association, European Accounting Association, and Accounting and Finance Association of Australia and New Zealand; is an editorial board member of five academic journals, and founded the WonderWomen of Diversity, a group that hosts discussions about diversity, equity, and inclusion in both the academic and corporate settings. What we covered in the interview: Broadening Horizons Beyond Academia: Dr. Mason discussed the critical need for researchers in non-academic roles, highlighting examples from the medical field and public policy institutions, showing how PhDs can solve complex real-world problems.Diversity and Representation: Emphasizing the importance of diverse perspectives in decision-making, Dr. Mason brings attention to how representation in academia and various professions can close the gap between students' aspirations and career paths, enriching education for all.Supportive Communities and Mentorship: The PhD Project, celebrating its 30th anniversary, provides a supportive network for underrepresented individuals. Mentorship, coaching, and events help individuals navigate their academic journeys and promote diversity in both academia and corporate America.

Facing financial hardship? Richard Bharata transformed his life, overcoming job-hopping and a $50,000 mobile game addiction to build a $6.5 million property portfolio in just three years. His story of resilience and strategic investing shows how property investment can be your path to financial recovery and lasting wealth.Learn how Richard's savvy strategies can help you regain control and achieve financial growth. Embrace your potential, surround yourself with the right people, and invest smartly to build a future that pays you back.Timestamps 00:00 - Intro 09:25 - How Personal Addictions Can Affect Finances 14:59 - Your Inner Circle Can Be Your Biggest Influence 20:10 - Researching Before You Buy, Have No Regrets 25:29 - LMI's and Potential Benefits for Bank Staff29:03 - Breakdown of Richard's Portfolio 35:09 - Buying Interstate and Where to Keep an Eye On42:01 - YOLO, Failing Forward, and the Chart Richard Lives By44:50 - Balancing Fun and Finance, Occasional Spending About Richard: Richard is a former engineer, young father, and passionate investor who's excited to share the power of iProperty Finder, where success is all about smart data and top-notch negotiation skills. Within JUST 3 years, he has built an impressive property portfolio worth over $6.5 million, achieving significant growth and rental yield in each of his endeavors. With a background in government procurement for large-scale infrastructure projects, Richard brings a client-focused and motivated approach to everything he does.Connect with Richard: Follow Richard on LinkedIn:https://www.linkedin.com/in/bharatarichard Follow Richard's Instagram account: https://www.instagram.com/iproperty_finder/ Visit Richard's website: https://ipropertyfinder.com.au/ About Aaron:Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron's focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.Connect with Aaron: Visit the website: https://atelierwealth.com.au/ Follow the Australian Investment Property Podcast's Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/Follow Aaron on Facebook: https://www.facebook.com/aaronchristiedavidFollow Aaron on LinkedIn: https://www.linkedin.com/in/aaronchristiedavid/Subscribe to Atelier Wealth's YouTube Channel: https://www.youtube.com/@atelierwealth_au

Want the inside scoop on property management? Kylie Walker, aka The Property Mum and a seasoned pro with a wealth of experience in Queensland rentals, spills the beans on the hidden intricacies of landlord-tenant dynamics, evolving laws, and keeping service top-notch amidst challenges.Discover Kylie's savvy strategies for maximizing rental income through smart rent tweaks, cutting expenses, and efficient maintenance. Get the gritty truth about self-managing properties and learn why stellar people skills are crucial for landlord-tenant harmony.Timestamps 00:00 - Intro 04:58 - Property Management Challenges and Handling Burnout09:38 - Finding a Reliable Property Manager: Experience, Local Knowledge, Tech Smart 14:22 - Changes in Queensland rental market: Rent Bidding, Advance Payments19:00 - Property Management Regulations Update: Invoicing and Payment23:49 - Changes to property management regulations in Australia28:00 - Tennant Expectations and Maintenance  34:52 - Increasing Rental Yields 39:17 - Optimizing Your Property in Accordance to the Updated Queensland LegislationsAbout Kylie: Kylie Walker, aka "The Property Mom" is a Queensland-based property manager and go-to expert for property management and investment. With a background in media as a former TV sports journalist, she launched her independent real estate business, "The Property Mom," in 2011 to create a more flexible career after having children.With over 10 years of experience in the industry, Kylie offers top-notch property management services and runs a mentoring business to connect investors with property managers across different areas. She's passionate about helping others succeed in property investment and management.Connect with Kylie: Follow Kylie on LinkedIn:https://www.linkedin.com/in/thatpropertymumFollow Kylie's Facebook:https://www.facebook.com/thatpropertymum/Follow Kylie's Instagram account: https://www.instagram.com/thatpropertymum/Visit Kylie's website: https://www.thatpropertymum.com.au/ About Aaron:Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron's focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.Connect with Aaron: Visit the website: https://atelierwealth.com.au/ Follow the Australian Investment Property Podcast's Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/Follow Aaron on Facebook: https://www.facebook.com/aaronchristiedavidFollow Aaron on LinkedIn: https://www.linkedin.com/in/aaronchristiedavid/Subscribe to Atelier Wealth's YouTube Channel: https://www.youtube.com/@atelierwealth_au

Discover how to master property investment with Cate Bakos and Pete Wargent's 'Buy Right' method. Gain insights on land-to-asset ratio, avoiding pitfalls, and long-term planning. Learn from their book and build a winning portfolio. Tune in for expert tips!Timestamps 00:00 - Intro03:07 - The Australian Property Market's Surprising Strength Amidst Cash Rate Hikes08:08 - Melbourne vs. Perth - Property Market Challenges and Opportunities12:11 - Supply and Demand Dynamics in Perth's Property Market16:35 - When to Buy or Sell Property for Maximum Gains22:04 - Buy and Hold - The Key to Sustainable Property Investment Growth32:27 - Choosing the Best Property Investment Strategy36:10 - Leveraging Personal Skills and Resources for Smart Property Investments40:08 - Common Property Investing Mistakes and How to Avoid Them51:37 - The Importance of Planning in Property Investment SuccessAbout Cate Bakos & Pete Wargent:Cate Bakos transitioned from a Chemistry honours graduate at Monash University to property, winning the 2018 National Buyer's Agent of the Year Award. She co-directed a large Melbourne firm and founded Cate Bakos Property in 2014. She also served as President of REBAA from 2019 to 2023.Pete Wargent, a Chartered Accountant and former 'Big 4' Director, co-founded a property buyer's agency in Brisbane and NSW. He's a renowned market analyst, a 7-time published author, and co-hosts the Australian Property Podcast.Connect with Pete Wargent: Follow Pete on LinkedIn:https://www.linkedin.com/in/pete-wargent-37228322/Follow Pete's Facebook:https://www.facebook.com/PeteWargent/Visit Pete's website: https://petewargent.com/Connect with Cate Bakos: Follow Cate on LinkedIn:https://au.linkedin.com/in/catherinebakosFollow Cate's Facebook:https://www.facebook.com/catebakosproperty/Follow Cate's Instagram account: https://www.instagram.com/cate_bakos_property/Visit Cate's website: https://www.catebakos.com.au/About Aaron:Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron's focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.Connect with Aaron: Visit the website: https://atelierwealth.com.au/ Follow the Australian Investment Property Podcast's Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/Follow Aaron on Facebook: https://www.facebook.com/aaronchristiedavidFollow Aaron on LinkedIn: https://www.linkedin.com/in/aaronchristiedavid/Subscribe to Atelier Wealth's YouTube Channel: https://www.youtube.com/@atelierwealth_au

Dreaming of buying your first home in Australia? This episode features Tahirih Mclaren Brown, whose story is living proof that "The Happy Home Loan Handbook" can help YOU achieve your Australian property dreams!Tahirih shares her inspiring journey from renting to owning, navigating the challenges and triumphs of first-time homeownership. We delve into the practical steps, financial considerations, and emotional rollercoaster involved.Discover why now is the perfect time to buy your first home!Timestamps 00:00 - Intro 08:00 - Developing the Aspiration for Homeownership12:02 - Saving Strategies and Goal Setting15:59 - Property Search and Offer Process21:28 - Securing Pre-Approval amid Competing Offers25:29 - Coordinating Deposit Transfer for Purchase34:01 - Conveyancing and Final Documentation36:06 - Pre-Settlement Inspection and Keys43:01 - Advise on Timing of Broker Meetings and OffersAbout Tahirih Mclaren Brown: Tahirih McLaren Brown is a marketing professional from New Zealand currently based in Sydney, Australia. She holds a degree from Victoria University of Wellington and works in marketing for an employment services company connecting First Nations Australians to jobs and training. In her personal life, Tahirih enjoys an active lifestyle in Sydney's Northern Beaches and recently navigated buying her first home while her partner was living abroad. When not working, she likes to travel, practice yoga outdoors, and support First Nations communities in Australia.Connect with Tahirih: Follow Tahirih on LinkedIn:https://www.linkedin.com/in/tahirih-mclaren-brown-57219570/Follow Tahirih's Facebook:https://www.facebook.com/tahirih.mcb/Follow Tahirih's Instagram account: https://www.instagram.com/mindful_tee/About Aaron:Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron's focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.Connect with Aaron: Visit the website: https://atelierwealth.com.au/ Follow the Australian Investment Property Podcast's Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/Follow Aaron on Facebook: https://www.facebook.com/aaronchristiedavidFollow Aaron on LinkedIn: https://www.linkedin.com/in/aaronchristiedavid/Subscribe to Atelier Wealth's YouTube Channel: https://www.youtube.com/@atelierwealth_au

Sick of property investment myths? Uncover the TRUTH about auctions, real estate agents, and navigating the market with CONFIDENCE.Whether you're a first-time buyer or a seasoned investor, this video equips you with the knowledge to:Conquer Auctions (Strategies & Buyer Prep)Expose Agent Pricing Tactics (Red Flags & Risk Assessment)Find Winning Investment Properties Like a Pro (Experience-Backed Tips)PLUS: Government Grants & First Home Buyer Success MindsetBecome a property investment PRO! ✨Timestamps 00:00 - Intro 03:09 - Auction Experiences and Buyer Preparation Strategies10:08 - Real Estate Agent Pricing Practices and Auction Risk Assessment23:39 - The State of Australia's Buyer's Agent Industry37:56 - Using Experience to Identify Good Investment Properties45:40 - Government Support and a Mindset for First Home Buying SuccessAbout Veronica: Veronica Morgan is the Founder and Principal of Good Deeds Property Buyers and a renowned expert in the Australian real estate industry. She co-hosts the popular TV series Location Location Location Australia and two insightful property podcasts. Veronica's passion is to guide people in making better property decisions, leveraging her extensive experience as both a former sales agent and a buyer's agent. She is also the author of "Auction Ready" and a co-founder of the Home Buyer Academy, providing essential support for first-time home buyers.Connect with Veronica: Follow Veronica on LinkedIn:https://www.linkedin.com/in/veronicakaymorgan/Follow Veronica's Facebook:https://www.facebook.com/veronicamorganpropertyFollow Veronica's Instagram account: https://www.instagram.com/veronicamorganpropertyVisit Veronica's website: https://veronicamorgan.com.au/About Aaron:Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron's focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.Connect with Aaron: Visit the website: https://atelierwealth.com.au/ Follow the Australian Investment Property Podcast's Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/Follow Aaron on Facebook: https://www.facebook.com/aaronchristiedavidFollow Aaron on LinkedIn: https://www.linkedin.com/in/aaronchristiedavid/Subscribe to Atelier Wealth's YouTube Channel: https://www.youtube.com/@atelierwealth_au

How do you build your property investment team? In this episode, Nick Fowell, an accountant passionate about property and tax, reveals the secrets to assembling a top-notch property investment team. He emphasises the crucial benefits of having buyers' agents, accountants, and mortgage brokers working together seamlessly.Nick shares his personal journey in property investment, packed with essential tips on staying consistent and organised. He also highlights how to avoid common pitfalls that can trip up even seasoned investors. Nick delves into the best structures for property investment, offering invaluable insights that can transform your investment strategy.Whether you're a newcomer or a seasoned pro in property investment, Nick's advice will help you elevate your game. Learn how the right team can make all the difference in achieving your property investment goals. Don't miss this chance to gain expert knowledge and take your property investment strategy to the next level!Timestamps 0:00 - Intro3:37 - Analysing the Habits of Successful Investors8:30 - Advice on Record Keeping on Land Tax11:24 - Asset Protection: Utilising a Trust and 99-to-1s16:58 - ATO Gotcha's and Red Flags on Taxes, Admin and Paperwork26:02 - Understanding the PAYG Variation 31:35 - Buyer's Agent's Fee are NOT Tax Deductible 33:51 - Planning Your Strategy Before EOFY35:50 - How Should Self-Employed People Operate for Growth? About Nick: Nick Fowell is a partner at Carnegie Financial Services, focusing on Accounting and Advisory. He has aided in the success of numerous businesses by enhancing their financial strategies through effective tax planning and investment structuring, employing modern and innovative approaches.His expertise spans from consulting small business owners in optimising cash flow to guiding investors in strategic property acquisitions. Nick's commitment to client success can be seen in his dedication to education in the financial sector, as well as personalised approach to each client case.Connect with Nick: Follow Nick on LinkedIn:https://www.linkedin.com/in/nicholas-fowell-138708184/Visit Carnegie Financial's website: https://www.carnegie.com.au/About Aaron:Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron's focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.Connect with Aaron: Visit the website: https://atelierwealth.com.au/ Follow the Australian Investment Property Podcast's Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/Follow Aaron on Facebook: https://www.facebook.com/aaronchristiedavidFollow Aaron on LinkedIn: https://www.linkedin.com/in/aaronchristiedavid/Subscribe to Atelier Wealth's YouTube Channel: https://www.youtube.com/@atelierwealth_au

Struggling to manage money with kids? This episode reveals the truth about finances and parenthood! Financial educator Ana Kresina shares her expertise on budgeting, cash flow, and investing for your family's future, even with rising prices!Many parents wonder where all their money goes when raising kids. We're tackling this crucial topic and its impact on your property investment strategies. Join us as we showcase how savvy investors secure a long-term future for their families amidst skyrocketing property prices.Author of Kids Ain't Cheap, Ana Kresina provides practical tips on navigating financial decisions during those critical early parenting years. Don't miss this episode packed with valuable insights on balancing family expenses while making smart investment choices.Timestamps 00:00 - Intro 03:59 - Financial Planning For New Parents, Costs and Budgeting09:03 - Pros And Cons of Rentvesting12:25 - Managing Cash Flow and Tax Implications17:01 - Financial Impacts of Parenthood on Women28:25 - Shaping Children's Attitudes Towards Money31:39 - Investing For Early RetirementAbout Ana: Ana Kresina, originally from Canada, is the author of Kids Ain't Cheap and the upcoming How To Not Work Forever, releasing on June 26th. As Pearler's Head of Product and Community, she excels in the financial technology sector. Ana co-hosts Australia's top-charting business podcast, Get Rich Slow Club, and has been featured in major media outlets like the ABC, Australian Financial Review, and Channel 9's Today Show. Connect with Ana: Follow Ana on LinkedIn:https://www.linkedin.com/in/anakresina/Follow Ana's Instagram account: https://www.instagram.com/anakresinaVisit Ana's website: https://www.anakresina.com/Subscribe to Get Rich Slow Club's YouTube Channel:https://www.youtube.com/@getrichslowclubAbout Aaron:Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron's focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.Connect with Aaron: Visit the website: https://atelierwealth.com.au/ Follow the Australian Investment Property Podcast's Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/Follow Aaron on Facebook: https://www.facebook.com/aaronchristiedavidFollow Aaron on LinkedIn: https://www.linkedin.com/in/aaronchristiedavid/Subscribe to Atelier Wealth's YouTube Channel: https://www.youtube.com/@atelierwealth_au

Tired of the media's negativity around property? Join Julian as he dives deep into the performance of today's market, highlighting opportunities for investors.  He'll cut through the noise and unpack the real impact of interest rates, revealing the key factors that contribute to the market's resilience.Ready to take action?  Learn from real-life client success stories and discover practical, actionable strategies to maximize your property investment.Tune in and unlock a new perspective on mastering the property market in 2024! Don't miss this chance to take control of your financial future.Timestamps 00:00 - Intro 06:14 - Strategy for First-Time Home Buyers and The Importance of Starting Small08:11 - Portfolio 1: 2 Properties in 12 months11:20 - Property Investment, Debt and Education14:53 - Property Investing Strategies and Property Market Trends19:40: Portfolio 2: 2 Properties in 3 months26:21 - Taking Action, Challenging Excuses and Offering Support28:13 - Portfolio 3: 2 Properties in 11 months31:06 - Financial Security for Future Generations33:59 - Retirement and Family GoalsAbout Julian: Julian Khursigara is a highly respected property expert and seasoned real estate investor with over a decade of experience in the Australian market. As the founder of Search Party Property, Julian has helped countless clients achieve their financial goals through smart and strategic investments. Known for his deep market insights and data-driven approach, he has a knack for identifying opportunities even in challenging economic climates. Julian is also a passionate advocate for financial education, frequently sharing his expertise through podcasts, seminars, and industry events. Connect with Julian: Follow Julian on LinkedIn:https://www.linkedin.com/in/buyersagent-sydney-brisbane-melbourne-adelaide-perth/Follow Julian's Facebook:https://www.facebook.com/investmentpropertybuyersagent/Follow Julian's Instagram account: https://www.instagram.com/juliankhursigara_buyersagent/Visit Search Party Property's website: https://searchpartyproperty.com.au/About Aaron:Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron's focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.Connect with Aaron: Visit the website: https://atelierwealth.com.au/ Follow the Australian Investment Property Podcast's Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/Follow Aaron on Facebook: https://www.facebook.com/aaronchristiedavidFollow Aaron on LinkedIn: https://www.linkedin.com/in/aaronchristiedavid/Subscribe to Atelier Wealth's YouTube Channel: https://www.youtube.com/@atelierwealth_au

Financial setbacks can leave you feeling lost. But there's hope! Join Graeme Cowan, a resilience expert, as he shares his inspiring story of overcoming hardship.Learn how to develop the mental toughness you need to:Navigate Financial ChallengesPrioritise Well-being During Financial StressBuild Resilience for Long-Term Financial SecurityPlus! Practical Strategies to Manage Stress & Develop Healthy HabitsGraeme also dives into: Building a Growth Mindset for Financial ResilienceThis episode equips you with the tools and mindset to bounce back from financial hardship and build a stronger financial future.  Timestamps 00:00 - Intro 01:52 - Mental health, resilience and wellness in the corporate world05:11 - Men's mental health, relationships and well-being12:15 - Building resilience, self-care and finding a “tribe” for support14:29 - Three elements of well-being and resilience: vitality, intimacy and prosperity20:05 - Team dynamics, mental well-being and property market insights26:27 - Self-care and mental health resourcesAbout Graeme: Graeme Cowan is a professional speaker recognised for his authentic and compelling style, engaging audiences worldwide with the power of conversations to spur action and change. He serves as a Board Director for ‘R U OK?' witnessing firsthand how this initiative fosters significant societal shifts. Previously, Cowan held senior leadership roles at Johnson & Johnson, Pfizer, and AT Kearney, before a severe five-year battle with depression changed his perspective on resilience, mood, and performance. Described by the Australian Financial Review as a "resilience expert," he has authored five books, including the internationally successful "BACK FROM THE BRINK," endorsed by former UK Prime Minister Tony Blair.Connect with Graeme: Follow Graeme on LinkedIn:https://www.linkedin.com/in/graemecowan1/Follow Graeme's Facebook:https://www.facebook.com/graeme.cowan.3745Follow Graeme's Instagram account: https://www.instagram.com/graemecowan/Visit Graeme's website: https://graemecowan.com.au/About Aaron:Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron's focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.Connect with Aaron: Visit the website: https://atelierwealth.com.au/ Follow the Australian Investment Property Podcast's Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/Follow Aaron on Facebook: https://www.facebook.com/aaronchristiedavidFollow Aaron on LinkedIn: https://www.linkedin.com/in/aaronchristiedavid/Subscribe to Atelier Wealth's YouTube Channel: https://www.youtube.com/@atelierwealth_au

How to conquer the property market WITHOUT a 20% deposit? This episode cracks the code!   Let's smash through the down payment barrier! First up, how can you optimise your deposit strategy and make every dollar count? Got some home equity? Use it to turbocharge your portfolio and get those tax perks! How can you channel the upcoming tax cuts to smart investment?Now, let's talk about building a killer portfolio. Think long-term, stay savvy, and keep that hustle mindset going strong. Nail these steps, and you'll be riding the wave to financial freedom in no time.

Tired of boring financial advice?Empower your investment journey with Owen Rask, the self-made millionaire who built a multi-million dollar education business!Owen shares his unconventional path from farm life to financial guru, revealing the secrets to building a diversified portfolio with ETFs alongside property investments. In this video, you'll discover the key differences between financial education and marketing, overcome common investing mistakes, and develop a long-term strategy for achieving financial freedom.Timestamps 00:00 - Intro 06:40 - Owen Rask's Background, Career and Passion08:57 - Education vs. Marketing in Finance Industry13:29 - ETFs Benefits for Investors; Diversification and Low Costs21:25 - Finding The Right Team For Financial Advice26:41 - Investing Mistakes and the Importance of a Long-Term Perspective32:48 - Property Cycles and Risk Management37:15 - Investor Psychology and Understanding One's LimitationsAbout Owen: Owen “Rask” Raszkiewicz is The Rask Group's Founder and Chief Investment Officer of Rask Invest. Prior to founding Rask, Owen was an investment analyst at the regarded managed funds research business Zenith Investment Partners and a Writer/Analyst for The Motley Fool Australia.Owen also founded Rask Media & Best ETFs, media networks, harnessing both automation and professionals to rise to over 200,000 monthly unique readers in the first two years. He regularly speaks to audiences throughout Australia, including via Rask's very own finance and investor events, financial literacy programs for employers, financial planning conferences, professional investment clubs, the ASA, student organisations, athletic clubs, sophisticated investor events and more.Connect with Owen: Follow Owen on LinkedIn: https://www.linkedin.com/in/owen-rask-4035a9b9/Follow Rask's Facebook:https://www.facebook.com/raskaustralia/Follow Rask's Instagram account: https://www.instagram.com/raskaustralia/Visit Rask's website: https://www.rask.com.au/About Aaron:Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron's focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.Connect with Aaron: Visit the website: https://atelierwealth.com.au/ Follow the Australian Investment Property Podcast's Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/Follow Aaron on Facebook: https://www.facebook.com/aaronchristiedavidFollow Aaron on LinkedIn: https://www.linkedin.com/in/aaronchristiedavid/Subscribe to Atelier Wealth's YouTube Channel: https://www.youtube.com/@atelierwealth_au

How to start early, think smart and retire young through property investment? This episode with property investment expert Daniel Walsh dives deep into the challenges and opportunities you'll face. Discover the importance of starting early, mindset shifts, financial literacy, and leveraging passive income for a richer future.  Learn how to break free from the middle-class trap and retire younger through proven strategies.Timestamps 00:00 - Intro 03:34 - Building Wealth Through Property Investing and Starting Early07:21 - Mindset and Financial Literacy Hindering Success13:00 - Discussions About Generational Wealth17:37 - Wealth Maintenance Through Passive Income and Smart Financial Habits22:54 - Breaking The Middle Class Mindset30:01 - Retiring Younger and Richer Through Financial Knowledge and Success Habits35:56 - The Pros and Cons of Paying Off Mortgage vs. Investing for Wealth Creation40:07 - Debt, Money Supply and Wealth Inequality44:20 - How To Become Successful Through Learning From OthersAbout Daniel: Daniel Walsh founded Your Property Your Wealth in 2015 after amassing a personal property portfolio worth over $20M+ in just 10 years. Starting his property investing journey at 19, Daniel's passion for real estate and wealth creation inspired him to help others achieve financial freedom through property investing. He emphasises the importance of a well-balanced portfolio that includes both capital growth and cash flow. Your Property Your Wealth aims to build a community of top 1% investors in Australia, offering expert guidance to help clients build wealth while minimising risks and maximising results.Connect with Daniel: Follow Daniel on LinkedIn:https://www.linkedin.com/in/danielwalshinvestor/Follow Daniel's Instagram account: https://www.instagram.com/danielwalsh_ypyw/Visit Your Property Your Wealth's website:https://www.yourpropertyyourwealth.com.au/About Aaron:Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron's focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.Connect with Aaron: Visit the website: https://atelierwealth.com.au/ Follow the Australian Investment Property Podcast's Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/Follow Aaron on Facebook: https://www.facebook.com/aaronchristiedavidFollow Aaron on LinkedIn: https://www.linkedin.com/in/aaronchristiedavid/Subscribe to Atelier Wealth's YouTube Channel: https://www.youtube.com/@atelierwealth_au

Want to get into the property market like a boss? This episode's your golden ticket! Akhil Patel, the director of Property Sharemarket Economics breaks down his framework for understanding those all-important property cycles, including his famous 18-year model for the Australian market.Don't settle for guesswork:Nail the timing: Learn when to buy and sell in that ever-changing property game.See what's coming next:  Crack the code on the key factors that move the property market.Weather the storm: Discover strategies to keep your wealth safe and sound, no matter what the property cycle throws your way.Timestamps 00:00 - Intro 05:08 - Land Cycle and Its Impact On Economy and Investing10:31 - Australian Property Market and Affordability Concerns15:23 - Global Inflation and Property Market Trends19:24 - Property Market Linked To Stock Market24:55 - Migration Trends, Supply and Demand27:57 - Property Market Risks, Potential 20% Correction31:55 - Property Market Peaks38:53 - Economic Predictions and the Motivation Behind Them44:00 - Australian Property Cycle and Investing StrategiesAbout Akhil: Akhil Patel is the Director of Property Sharemarket Economics, an investment research service that teaches subscribers how to ‘remember the future' based on leading knowledge of economic and financial cycles. Akhil became interested in such cycles after his family's business went through difficult periods during the major recessions in the early 1990s and 2008. He refused to accept the conventional wisdom that these events could not be forecast in advance. After much study, he decided to develop a body of work that would help people – whether they were investors, business owners or those just interested in doing something with their savings.Connect with Akhil: Follow Akhil on LinkedIn:https://www.linkedin.com/in/akhilgpatel/Subscribe to Akil's YouTube Channel:https://www.youtube.com/@PropertySharemarketEconomicsFollow Akhil's Instagram account: https://www.instagram.com/akhilgpatel/Visit Property Sharemarket Economics's website: https://propertysharemarketeconomics.cAbout Aaron:Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron's focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.Connect with Aaron: Visit the website: https://atelierwealth.com.au/ Follow the Australian Investment Property Podcast's Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/Follow Aaron on Facebook: https://www.facebook.com/aaronchristiedavidFollow Aaron on LinkedIn: https://www.linkedin.com/in/aaronchristiedavid/Subscribe to Atelier Wealth's YouTube Channel: https://www.youtube.com/@atelierwealth_au

Struggling to build your property portfolio?

Curious about how this property investor went from saving her first paychecks to owning three apartments by age 23? Meet Carla Schesser, an Atelier Wealth client, as she shares her journey and how mentors shifted her mindset towards property for long-term wealthGain valuable insights as Carla reveals her pandemic-era strategies, enabling her to capitalise on multiple property units and acquire her dream family home. Her narrative underscores the importance of an early start in property investment, emphasising the significance of mindset, a supportive team, and effective strategies in overcoming obstacles on the path to success.Timestamps 00:00 - Intro 03:01 - Leveraging income to invest in property07:45 - Saving money, investing, and building wealth through habits and education11:43 - Using existing equity to buy a second property16:25 - Real estate investing, fears and hesitations, and pivoting strategies24:31 - Investment properties and trusting the journey27:46 - Buying property with a small incomeAbout Carla Schesser: Carla Schesser is a 30-year-old property investor and innovation leader based outside the Gold Coast, Australia. Originally from South Africa, Carla immigrated to Australia as a teenager and has since built a successful property investment journey.She currently serves as the Head of Innovation at 5by5 Website Design, a leading website development company. Carla has worked at 5by5 for over 7 years, advancing from Project Manager to CEO.Connect with Carla: Follow Carla on LinkedIn:https://www.linkedin.com/in/carla-schesser-64903289/Follow Carla's Facebook:https://www.facebook.com/carla.schesserFollow Carla's Instagram account: https://www.instagram.com/carlaschesser/About Aaron:Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron's focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.Connect with Aaron: Visit the website: https://atelierwealth.com.au/ Follow the Australian Investment Property Podcast's Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/Follow Aaron on Facebook: https://www.facebook.com/aaronchristiedavidFollow Aaron on LinkedIn: https://www.linkedin.com/in/aaronchristiedavid/Subscribe to Atelier Wealth's YouTube Channel: https://www.youtube.com/@atelierwealth_au

Why have property prices increased despite 13 interest rate rises? Can I get a loan while I'm on probation? Why is housing affordability so bad? These are just some of the questions we answer in a new format of the Australian Property Investment Podcast, where we host a roundtable with our Mortgage Brokers at Atelier Wealth. This episode busts common myths and unveils powerful strategies to unlock your financial potential.Would you like to buy through your Self-Managed Super Fund (SMSF)? How did Damien Walker scale up a property investor's portfolio when their last broker couldn't? Our expert team of mortgage brokers tackles common questions and explores ways to help you become a 1% property investor. Key Takeaways:Mortgage myths debunked: probationary periods, credit cards, and more!Innovative investment strategies: explore SMSFs for property investmentMaximise your borrowing capacity and understand market trendsWant to learn how to get pre-approved for a mortgage faster? Hit the like button, subscribe for more financial tips, and turn on notifications!Timestamps 00:00 - Intro 00:58 - Housing Affordability04:17 - The Impact of HECS Debt on Borrowing Capacity09:27 - Debunking the Myth of Probation and Loans11:50 - SMSF is the Flavor of The Year13:51 - Case Study: Structuring Your Loan for a Long-Term Investment Play18:45 - The Golden Rule20:00 - Commsec State Performance23:15 - The Power of Multiple Valuation31:41 - The Bucket System33:06 - OutroAbout Atelier Wealth: Today, Atelier Wealth is a multi-award-winning mortgage brokerage. Our passion, experience, and dedication are key ingredients in helping us maintain our position as one of Sydney's leading mortgage brokers.We will do everything in our power to help our clients on their property journey. We work with a variety of clients with differing personal and financial circumstances. Some of our clients may be struggling to secure a loan for any number of reasons.No matter what your property goal is, we can help. At Atelier Wealth, we find it incredibly rewarding to assist our clients to secure finance. We work in partnership with our clients to make their property dreams come true. Together we'll make it happen.Resources: Commsec State of the States report: https://bit.ly/44mAhaEAbout Aaron:Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron's focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.Connect with Aaron: Visit the website: https://atelierwealth.com.au/ Follow the Australian Investment Property Podcast's Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/Follow Aaron on Facebook: https://www.facebook.com/aaronchristiedavidFollow Aaron on LinkedIn: https://www.linkedin.com/in/aaronchristiedavid/Subscribe to Atelier Wealth's YouTube Channel: https://www.youtube.com/@atelierwealth_au

Looking to achieve financial independence and build wealth through property investment? Join Natasha Etschmann as she shares her inspiring journey to financial freedom. Even without any financial support for her property purchase, Natasha's determination led her to acquire her first property at a young age. Learn from her 'getting rich slow' philosophy, emphasising sustainable, long-term investing strategies. Gain actionable tips on managing finances, automating savings, and avoiding lifestyle inflation.Discover the keys to financial empowerment with Natasha Etschmann's practical advice. Her journey showcases the power of strategic property investment in attaining long-term wealth and independence. Take control of your financial future today!Timestamps 00:00 - Intro 02:51 - Personal finance and investing for long-term wealth07:25 - Avoiding overspending, and maintaining a healthy relationship with money10:13 - Saving and investing for property ownership15:32 - Avoiding lifestyle inflation and saving for the future18:47 - Debt management and financial safety nets22:20 - Financial independence, retiring early, and saving for property in Australia28:18 - Investing and achieving financial freedom through practical strategiesAbout Natasha: Natasha Etschmann is a personal finance enthusiast and blogger who shares her journey toward financial freedom. She started her financial education at 18 and purchased her first apartment by 22, working diligently to build her net worth. Through her blog and social media platforms like TikTok and Instagram, she offers practical advice on saving, investing and making money. Natasha is passionate about helping others understand and manage their finances without sacrificing their lifestyles.Connect with Natasha: Follow Natasha on LinkedIn:https://www.linkedin.com/in/natasha-etschmann-17b05a180/Follow Natasha's Facebook:https://www.facebook.com/profile.php?id=100064022020052Follow Natasha's Instagram account: https://www.instagram.com/tashinvests/Visit Natasha's website: https://tashinvests.com/About Aaron:Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron's focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.Connect with Aaron: Visit the website: https://atelierwealth.com.au/ Follow the Australian Investment Property Podcast's Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/Follow Aaron on Facebook: https://www.facebook.com/aaronchristiedavidFollow Aaron on LinkedIn: https://www.linkedin.com/in/aaronchristiedavid/Subscribe to Atelier Wealth's YouTube Channel: https://www.youtube.com/@atelierwealth_au

Dream of retiring early with passive income from property? Our guest, Rob Flux, has helped 70+ people achieve financial freedom through property development! In this interview, Rob unveils, you'll discover powerful strategies to make early retirement a reality. Rob shares his proven methods used to help over 70 people achieve financial freedom. Learn how property development can accelerate your path to financial independence and unlock the secrets of generating passive income through smart investments. Explore successful development approaches like subdivisions and townhouses, and master Rob's unique 16-Driver Framework to identify high-potential properties with guaranteed demand. Plus, develop the winning mindset needed to thrive in the property development game and get actionable steps to kickstart your early retirement journey with property!Timestamps 00:00 - Intro 00:46 - Definition of property development and differences from buy and hold10:49 - Choosing scalable development strategies like subdivisions and townhouses16:58 - Determining financial goals and regularly assessing investment performance28:44 - Rob Flux's framework of 16 market drivers to understand demand33:10 - Assessing deals quickly through education and experience39:23 - Mindset being 50% of property development success47:44 - Current market opportunities from low supply and high population growth51:00 - Steps to get started in property development through education and communityAbout Rob Flux: Rob is a dynamic figure in property development, education, mentoring and public speaking, with a passion for helping others in the property market. He adds value to properties through development rather than relying solely on market forces. Having attained financial independence through property, Rob dedicates much of his time to guiding others through education and mentorship via Developer Network Pty Ltd. His personal mission is to liberate over 1000 individuals from financial constraints by 2030 through his Financial Freedom Club, which requires members to generate income from property investing.Connect with Rob Flux: Follow Rob on LinkedIn:https://www.linkedin.com/in/robflux/Follow Rob's Facebook:https://www.facebook.com/rob.fluxVisit Rob's website: About Aaron:Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron's focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.Connect with Aaron: Visit the website: https://atelierwealth.com.au/ Follow the Australian Investment Property Podcast's Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/Follow Aaron on Facebook: https://www.facebook.com/aaronchristiedavidFollow Aaron on LinkedIn: https://www.linkedin.com/in/aaronchristiedavid/Subscribe to Atelier Wealth's YouTube Channel: https://www.youtube.com/@atelierwealth_au

Feeling the pinch? The cost of living crisis is hitting everyone hard. But talking about money can be awkward! This episode equips you with the tools to have open and honest conversations about finances, how to break the money silence and initiate healthy conversations with loved ones, friends, and even colleagues. Learn how to navigate budgeting, expenses, and financial goals during challenging times as Vanessa Stoykov shares the secrets to mastering effective money management and financial education. Through her personal journey and extensive experience, Vanessa talks about the crucial balance between income and savings, with her mantra "It's not what you earn, but what's left over" that truly matters. Join us as we explore Vanessa's unique approach to money, making this touchy subject both accessible and empowering.Timestamps 00:00 - Intro 0:27-0:50 - Vanessa's Personal and Professional Journey1:15-2:07 - Financial Decisions and Conversations in Mid-Life   2:08-4:12 - Wealth Creation, Property Investment, and Financial Planning7:05-7:50 - Discussion on Delayed Gratification and Expectations16:09-16:38 - Seeking the Right Financial Advisor34:45-35:00 - Government Implications for Property Intervention38:51-39:47 - Accepting You Can Be A RenterAbout Vanessa Stoykov: Vanessa Stoykov is all about making money matters simple and relatable for Australians. With over 20 years of experience, she understands the importance of talking openly about money to achieve financial freedom. Leading Evolution Media Group for 22 years, Vanessa has become skilled at explaining complex financial topics in ways everyone can grasp. Through storytelling, TV production, and writing, she helps people make smarter money choices. Connect with Vanessa: Follow Vanessa on LinkedIn: https://www.linkedin.com/in/vanessa-stoykov/Follow Vanessa's Facebook:https://www.facebook.com/vanessastoykovbrandFollow Vanessa's Instagram account: https://www.instagram.com/vanessastoykov/Visit Vanessa's website: https://vanessastoykov.com.au/About Aaron:Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron's focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.Connect with Aaron: Visit the website: https://atelierwealth.com.au/ Follow the Australian Investment Property Podcast's Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/Follow Aaron on Facebook: https://www.facebook.com/aaronchristiedavidFollow Aaron on LinkedIn: https://www.linkedin.com/in/aaronchristiedavid/Subscribe to Atelier Wealth's YouTube Channel: https://www.youtube.com/@atelierwealth_au

Can money buy happiness? How do you manage your time? What if there was a way to buy your happiness through investing your time and money better? This is exactly the formula that financial expert Kate Campbell shares on this episode! Find the balance between financial security and a fulfilling life through this episode as she talks about: - Research backed ways to boost your happiness- Actionable ways to kickstart your investing journey- Strategies to use your time with intention- Tips for having tough money conversations- How to set money goals you're excited about- Understand your relationship with money better- Guide to overcoming analysis paralysisTimestamps 00:00 - Intro 00:39 - Efficient Use of Time and Money01:59 - The Role of Relatable Financial Stories in Educating Others03:17 - Relatability in Financial Goal Setting05:28 - Kate's Personal Finance Journey07:48 - Misconceptions About Finance Professionals10:21 - Money as a Learned Behaviour13:32 - Teaching Children About Money19:54 - Small Financial Changes Making Big Differences29:51 - Exploring the Concept: Can Money Buy Happiness?38:43 - Property Investment and Buyer's RemorseAbout Kate: Kate Campbell is a passionate financial educator known for her candid discussions about money management. As the host of Australia's popular finance podcast, "The Australian Finance Podcast," she engages with over 80,000 monthly listeners, sharing insights on personal finance and investing. Kate's expertise extends to the written word as well, with her book "Buying Happiness: Learn to Invest Your Time and Money Better" offering practical advice on achieving greater satisfaction through mindful financial decisions.Connect with Kate: Follow Kate on LinkedIn:https://www.linkedin.com/in/katecampbellonline/Follow Kate's Instagram account: https://www.instagram.com/katecampbellaus/Buy Kate's Book, Buying Happiness:https://buyinghappiness.com.au/Resources from Kate: https://howtomoney.online/start-here/https://howtomoney.online/how-to-money-podcast/https://www.raskmedia.com.au/podcasts/australian-finance-podcast/https://eAbout Aaron:Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron's focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.Connect with Aaron: Visit the website: https://atelierwealth.com.au/ Follow the Australian Investment Property Podcast's Official Instagram account Follow Aaron on Facebook Follow Aaron on LinkedIn Subscribe to Atelier Wealth's YouTube Channel

Who makes a good life coach? What does a life coach do? The answers are unpacked in this episode of the Australian Property Investment Podcast where we interview Jaemin Frazer. He is an award-winning author and life coach and as you listen to this episode, he'll learn more about his thoughts on why swapping out self-discipline for giving ourselves permission can lead to real success and happiness. He talks about the challenges and rewards of looking at life differently, especially when you hit midlife.Jaemin gives listeners easy-to-follow advice on trusting themselves more and relying less on others' approval. Tune in to hear Jaemin's unique take on making personal breakthroughs and finding fulfillment in ways you might not expect. Timestamps 00:00 - Intro 01:54 - Addressing Exhaustion and the Need for Change07:02 - Challenging the Self-Discipline Paradigm10:12 - High Performance and Gentleness with Oneself12:30 - The Role of Self-Sabotage and Self-Love22:02 - Preventing Burnout and Embracing Change28:28 - Redefining Personal Discipline Through Self-Permission34:17 - The Danger of Following Misaligned Goals41:27 - Addressing Childhood Narratives and Self-Trust52:01 - The Four Key Areas for Midlife UpgradeAbout Jaemin: Jaemin is an award winning author, TEDx speaker, and the founder of The Insecurity Project. He specialises in providing thought leadership for entrepreneurs, leaders and business owners on the subject of eradicating hidden and unresolved insecurity.  He is widely recognised as one of Australia's best life coaches and a leading voice globally on the subject of personal insecurity. Connect with Jaemin: Follow Jaemin on LinkedInFollow Jaemin's FacebookFollow Jaemin's Instagram Visit Jaemin's websiteAbout Aaron:Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron's focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.Connect with Aaron: Visit the website: https://atelierwealth.com.au/ Follow the Australian Investment Property Podcast's Official Instagram account Follow Aaron on Facebook Follow Aaron on LinkedIn Subscribe to Atelier Wealth's YouTube Channel

In this episode, we talk to Peter Raptis as he shares insights on how to navigate the challenges and opportunities within Australia's Property Market, from understanding market dynamics to preparing your property for valuation. Learn about the practical strategies for winning in Australia's competitive property scene and learn why waiting to invest might cost you more than you think. Peter also debunks common myths about property valuation and renovation, offering guidance on what truly adds value to your home. Tune in for a clear understanding of how market conditions and personal mindset can impact your property investment journey.Timestamps 00:00 - Intro 00:47 - Market Strength and Resilience01:52 - Impact of Historical Events on the Market08:46 - The Influence of Migration on Housing Demand13:36 - Economic Implications of Migration Policies36:39 - Investment Mindset and Making Sacrifices42:05 - Preparing for Property Valuation45:50 - The Value of Good Relationships in the Industry47:38 - ConclusionAbout Peter: Peter Raptis has a rich history with MVS National as both a longstanding team member and a former Director of Prestige Valuations—a role he held before the company's merger into Acumentis—now serves as the Director of Valuations for Acumentis.In his current role, he manages the valuation of prestige properties within Sydney, meticulously following the Prestige Policy Guidelines set by Acumentis to deliver thorough and exceptional work. Connect with Peter Raptis: Follow Peter on LinkedIn:https://www.linkedin.com/in/peter-raptis-96106625/Follow Acumentis Property Valuers' Facebook:https://www.facebook.com/acumentisFollow Acumentis Property Valuers' Instagram account: https://www.instagram.com/acumentis/Visit Acumentis Property Valuers' website: https://acumentis.com.auAbout Aaron:Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron's focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.Connect with Aaron: Visit the website: https://atelierwealth.com.au/ Follow the Australian Investment Property Podcast's Official Instagram account Follow Aaron on Facebook Follow Aaron on LinkedIn Subscribe to Atelier Wealth's YouTube Channel

If you are waiting for the right time to buy property in Australia, you would have to save $1,620 on average per week to keep up with property price increases. That's right - on average the Australian property price increases by $1,620 per week. From January 1st 2023 to January 1st 2024 we saw property prices increase in value by an average of more than:$125,000 SYD ($2,400 per week)$103,000 BNE ($2,000 per week)$100,000 PER ($1,900 per week)$67,000 ADE ($1,300 per week)$27,000 MEL ($500 per week)According to the latest ABS figures, the average Australian household saves approximately $192 per week. So if you are waiting or trying to save more, chances are you will never keep pace with the property market. In this episode, we discuss the significance of understanding market cycles, the real cost of waiting too long to invest and the benefits of strategic investments in different areas of Australia. If you're looking to make your first investment and create a legacy for your family, tune in to this episode!Videos referenced in our chat: https://www.youtube.com/watch?v=XxFxPKrAbes https://www.youtube.com/watch?v=G7yTwRxL_P4&t=949s About Jay: Jay Pace, a seasoned professional in the investment industry, launched his career in 2005 as a licensed derivatives broker, trading futures on the Australian Securities Exchange. With 10 years of experience managing substantial client funds in both domestic and international markets, Jay honed his expertise as a strategist in shares and derivatives, with a keen focus on exchange-traded options. His passion for investment steered him towards property options, where analysing market trends enabled him to build a portfolio for himself. Since joining Providence in 2014, Jay dedicated his expertise to guiding clients toward achieving their wealth generation goals through strategic property investments.Connect with Jay: Follow Jay Pace on LinkedIn hereFollow Providence Property's Facebook hereFollow Providence Property's Instagram account here Visit Providence Property's website here About Aaron:Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron's focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.Connect with Aaron: Visit the website: https://atelierwealth.com.au/ Follow the Australian Investment Property Podcast's Official Instagram account Follow Aaron on Facebook Follow Aaron on LinkedIn Subscribe to Atelier Wealth's YouTube Channel

Will the Australian Property Market go up or down in 2024? It's clear that the banks' economists and property commentators continue to get their predictions wrong. Watch this latest episode as we discuss the outlook of the Australian Property Market in 2024 featuring Simon Pressley of Propertyology. We will provide you with detailed analysis and practical tips to inform your investment strategy and stay ahead.We shed light on the intricacies of the Australian Property Market and how it is shaping the performance of the housing market. With so many “expert” predictions being inaccurate, who can you trust? Whether you're a seasoned investor or starting on your property journey, this episode will equip you with the insights that you need to conquer investing in 2024.Timestamps 00:00 - Intro 01:26 - Main Takeaways from 2023 Research Report2:54 - Reflections on 2023: Analysing Predictions vs. Actual Market Performance6:40 - The Role of Confirmation Bias in Property Market Perceptions9:52 - Property Resilience: Historical Growth and Future Prospects14:08 - Key Factors Driving 2024's Property Market: Equity, Wages, Supply and Tax Cuts18:34 - The Impact of Extra Cash Flow on Property Prices and Market Dynamics19:28 - Spotlight on Perth: Predicted Growth and Investment Caution25:24 - Regional Investment Opportunities: Criteria for Selecting Towns27:28 - Discussion on Victoria's Market Outlook and RisksAbout Simon: Simon Pressley is the Head of Research at Propertyology and a three-time Australian Buyer's Agent of the Year award winner. His forward-thinking approach and deep analytical skills have positioned him as a leading authority in Australian real estate. Simon's commitment to thorough research and data analysis is reflected in his accurate market forecasts, which have garnered significant attention and respect within the industry. With over 20 years of experience in property investment, Simon's expertise extends beyond market analysis, economic trends, policy impacts and demographic shifts. His innovative strategies guide investors to make informed decisions and achieve substantial success in the dynamic Australian Property Market.Connect with Simon: Subscribe to Propertyology's Youtube hereFollow Propertyology's Facebook hereFollow Propertyology's Instagram account hereVisit Propertyology's website hereAbout Aaron:Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron's focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.Connect with Aaron: Visit the website: https://atelierwealth.com.au/ Follow the Australian Investment Property Podcast's Official Instagram account Follow Aaron on Facebook Follow Aaron on LinkedIn Subscribe to Atelier Wealth's YouTube Channel

RJ was born into a family of entrepreneurs and has firsthand experience with the difficulties and rewards of entrepreneurship. RJ also discovered the incredible concept of personal development, which completely altered his life. After serving his country in the United States Air Force for three years and at the age of 23, RJ cofounded Scriba Town Inn with his brother Eric and father Gene. They transformed the STI firm from an idea into RJ's first million-dollar business. RJ then migrated to Corporate America by mistake and began a career in the Equipment Leasing and Finance industry serving business owners, achieving constant success, and rising to the position of CEO and President of UniFi Equipment Finance in 2013. RJ has led a committed team in the regeneration and rebranding of a 45-year-old company into one of the fastest-growing companies in North America. He has increased UniFi Equipment Finance's yearly volume from $13 million to over $115 million and is frequently asked to speak or consult firms and organizations on the opportunities of instituting an intrapreneurship culture with Intrapreneur Coaching. RJ also serves on the Executive boards of the Equipment Lease and Finance Association and Equipment Finance Cares and is a dedicated supporter of the United Way of Washtenaw County. Beyond his professional accomplishments, RJ coached ice hockey for over 20 years, and is still active in the sport. He currently resides in Ann Arbor, Mi and spends his free time on the golf course or pickleball courts.

Across Idaho nonprofits are providing essential services, helping those in need find safe and affordable housing. Without the proper resources though this work isn't possible, which is why each year the Idaho Housing and Finance Association hosts the "Avenues for Hope Housing Challenge," raising funds that help support Idahoans experiencing homelessness.

Communities all over the state are grappling with housing affordability, but the sheer variety of programs that are available to support it can be overwhelming. Marketing and communications director Jason Lantz from the Idaho Housing and Finance Association sits down with associate producer Logan Finney this week to discuss how IHFA supports affordable homes for Idahoans in all walks of life.

Early, often and transparent was a common theme in the conversation on succession planning and generational wealth. Jud Snyder and Brad Guse of BMO share insight on competing in the new normal, basic succession planning conversations, “killer D's,” generational wealth process, liquidity, adding new family members and advice. Dairy Stream host Joanna Guza dives into the topics below with Jud and Brad: 1:55: What succession planning used to look like and what we are seeing now 3:19: Can your farm compete in the ‘new normal' 4:54: Basic succession planning conversations 7:15: Emotions involved in succession planning 8:46: Perfect time to exit 10:50: Ideal time to end the farm with no successor 13:20: Keep an eye on macroeconomics    14:01: Considerations when selling to a third party 15:25: Preparing for the unexpected, ‘Killer D's' 18:15: Process of generational wealth and how it's generated 20:36: The 2017 Tax Cuts and Jobs Act doubled the lifetime estate and gift tax exemption and set to expire Jan. 1, 2026, how does this impact succession planning 22.19: Who should be involved in succession planning 24:01: What is liquidity and why is it important 26:04:  Considerations with marriage and new family members 27:14: Multiple siblings but only select few taking over the farm, what about the other non-farming children 29:54: When does life insurance play a role 32:10: How to keep the older generation involved 34:48: Final advice on succession planning Special thanks to BMO for sponsoring this episode. About the guests Jud Snyder Jud Snyder is Regional President of the Midwest with BMO Wealth Management and BMO's Senior Executive for Southeast Wisconsin.  Jud oversees the strategic development and delivery of BMO Private Bank's personal wealth management platform to high net worth individuals, families and organizations, including closely-held and family-owned businesses, endowments and foundations throughout the Midwest. Jud joined the Bank in 1994 and has over 28 years of experience in financial services.  Prior to taking his current role, he spent much of his career in Commercial Banking. He was responsible for leading the growth and development of M&I's Equipment Finance Company. This included strategic and managerial responsibility for sales, operations, underwriting and equipment management capabilities within Equipment Finance. In 2010, he was named M&I's Head of Specialized Industries. In this role he was responsible for Equipment Finance, Global Trade, Health Care, Dealer Finance, Agribusiness and Sponsor Finance. Following the BMO acquisition in 2011, he moved back into the head role at BMO Equipment Finance with the mandate to leverage the business across BMO and grow the business to scale.  Jud obtained his BA in Russian and Economics from UW Madison ('94). He serves on the Board of Directors for The Boys and Girls Clubs of Greater Milwaukee (Trustee), United Way of Greater Milwaukee & Waukesha County, Milwaukee World Festival, Froedtert Health Systems (Chair), and Teach for America Milwaukee. He was previously a Director and Chair of the Milwaukee Ballet (2012-2019) and a past Chairman and Officer of the ELFA (Equipment Leasing and Finance Association) (2010-2020).  Jud lives in River Hills, Wisconsin with his wife, Amy and their children.  Brad Guse As an agricultural banking officer for BMO Commercial Bank - Marshfield, Brad Guse manages a portfolio of diverse production agricultural relationships made up of primarily dairy farm accounts. Guse has ten years of experience in the dairy nutrition field and over twenty - eight years of experience in agricultural banking. He was appointed by Wisconsin's Governor to serve on the Dairy 2.0 task force as well as to serve on the Wisconsin Housing and Economic Development Authority (WHEDA) board of directors. He's very involved in the Ag community serving as the school director and an instructor for the Wisconsin Bankers Association agricultural lending schools as well as serving on the American Bankers Association's Ag and Rural Banking conference committee to name just a few. Brad served 21 years in the Wisconsin Army National Guard, retiring in 2004 after his unit's successful deployment to Afghanistan. Guse holds a bachelor's degree from the University of Wisconsin-River Falls.  This podcast is co-produced by the Dairy Business Association and Edge Dairy Farmer Cooperative, sister organizations that fight for effective dairy policy in Wisconsin and Washington, D.C.  Become a sponsor, share an idea or feedback by emailing podcast@dairyforward.com.  Attend Dairy Strong on Jan. 16-18 in Green Bay, Wisconsin to gain firsthand inspiration and discover the challenges and solutions experienced by other farmers when implementing sustainable practices. Gain practical knowledge and motivation to implement practices that will make a positive impact on the environment and farms. Learn more and register at dairystrong.org.

The Dairy Streamlet is a new, condensed version of Dairy Stream that takes the long episode and covers just the high-level points of the conversation. If this topic interest you, we encourage you to listen to the full episode on Nov. 8. Dairy Stream host Joanna Guza talks with Jud Snyder and Brad Guse of BMO about competing in the new normal, succession planning conversations, perfect time to exit, process of generational wealth, importance of liquidity, future planning advice and more. Special thanks to BMO for sponsoring this episode. About the guests Jud Snyder Jud Snyder is Regional President of the Midwest with BMO Wealth Management and BMO's Senior Executive for Southeast Wisconsin.  Jud oversees the strategic development and delivery of BMO Private Bank's personal wealth management platform to high net worth individuals, families and organizations, including closely-held and family-owned businesses, endowments and foundations throughout the Midwest. Jud joined the Bank in 1994 and has over 28 years of experience in financial services.  Prior to taking his current role, he spent much of his career in Commercial Banking. He was responsible for leading the growth and development of M&I's Equipment Finance Company. This included strategic and managerial responsibility for sales, operations, underwriting and equipment management capabilities within Equipment Finance. In 2010, he was named M&I's Head of Specialized Industries. In this role he was responsible for Equipment Finance, Global Trade, Health Care, Dealer Finance, Agribusiness and Sponsor Finance. Following the BMO acquisition in 2011, he moved back into the head role at BMO Equipment Finance with the mandate to leverage the business across BMO and grow the business to scale.  Jud obtained his BA in Russian and Economics from UW Madison ('94). He serves on the Board of Directors for The Boys and Girls Clubs of Greater Milwaukee (Trustee), United Way of Greater Milwaukee & Waukesha County, Milwaukee World Festival, Froedtert Health Systems (Chair), and Teach for America Milwaukee. He was previously a Director and Chair of the Milwaukee Ballet (2012-2019) and a past Chairman and Officer of the ELFA (Equipment Leasing and Finance Association) (2010-2020).  Jud lives in River Hills, Wisconsin with his wife, Amy and their children.  Brad Guse As an agricultural banking officer for BMO Commercial Bank - Marshfield, Brad Guse manages a portfolio of diverse production agricultural relationships made up of primarily dairy farm accounts. Guse has ten years of experience in the dairy nutrition field and over twenty - eight years of experience in agricultural banking. He was appointed by Wisconsin's Governor to serve on the Dairy 2.0 task force as well as to serve on the Wisconsin Housing and Economic Development Authority (WHEDA) board of directors. He's very involved in the Ag community serving as the school director and an instructor for the Wisconsin Bankers Association agricultural lending schools as well as serving on the American Bankers Association's Ag and Rural Banking conference committee to name just a few. Brad served 21 years in the Wisconsin Army National Guard, retiring in 2004 after his unit's successful deployment to Afghanistan. Guse holds a bachelor's degree from the University of Wisconsin-River Falls.  This podcast is co-produced by the Dairy Business Association and Edge Dairy Farmer Cooperative, sister organizations that fight for effective dairy policy in Wisconsin and Washington, D.C.  Become a sponsor, share an idea or feedback by emailing podcast@dairyforward.com.  Attend Dairy Strong on Jan. 16-18 in Green Bay, Wisconsin to gain firsthand inspiration and discover the challenges and solutions experienced by other farmers when implementing sustainable practices. Gain practical knowledge and motivation to implement practices that will make a positive impact on the environment and farms. Learn more and register at dairystrong.org.

Lisa Jack, Professor of Accounting in the Faculty of Business and Law at the University of Portsmouth and former President of the British Accounting and Finance Association, explores the impact of policy changes on global food security and farmers' profitability. Listen to Agri-Insider for anything and everything agri-food supply chain.

This week: US National Pork Board's senior vice-president, producer and state engagement lead, Brett Kaysen and Innovation Forum's Ian Welsh case study the US pork industry and its sustainability challenges. They discuss the importance of cross-industry collaboration to tackle issues such as greenhouse gas emissions and developing regenerative agriculture.   Plus: H&M to withdraw from Myanmar amid labour abuse reports; SBTi begins internal investigation on its methodology processes; and, UK Sustainable Investment and Finance Association calls on government for stable net zero policy environment, in the news digest.   Host: Ian Welsh

Are you a responsible borrower? Have you saved diligently for that 20% downpayment on your first home? Did you educate yourself and work toward improving your credit score so that you reached your goal of a score higher than 680? Well, then the FHFA (Federal Housing and Finance Association) would like to take this opportunity to completely screw you over! How will they screw you over? With higher rates and fees! But wait, for those folks who did not save, have a poor credit score and have not managed their financial lives responsibly there will be discounts and incentives!   Here are a few past shows related to this topic: https://rebelbroker.libsyn.com/site/subprime-lending-againreally https://rebelbroker.libsyn.com/site/more-subprime-style-shenanigans https://rebelbroker.libsyn.com/site/alternative-credit-scores https://rebelbroker.libsyn.com/site/subprime-lending-in-2016 https://rebelbroker.libsyn.com/site/banks-are-not-doing-us-any-favors —————————————————————————————————————————————————— ➡️ Instagram: https://www.instagram.com/rebelbroker/ ➡️ Twitter: https://twitter.com/rebelbroker ➡️ Facebook: https://www.facebook.com/whitelawre/  

In this episode, Andrew interviews John Knowles, president of the Catholic Finance Association and executive director of the Diocesan Fiscal Management Conference. Andrew and John spend their time together discussing finance, fundraising trends, and the Church's relationship with emerging technology. They also stress the importance of clarity of mission both in fundraising and in our personal lives.

Lowe's is out with earnings today on the back of Home Depot's mixed results. BofA Securities' Liz Suzuki explains what to expect. Plus, Tesla is reportedly readying a revamp of its top-selling Model Y crossover ahead of the company's annual investor day. Wall Street Journal's Tim Higgins gives the latest. And, the Equipment Leasing and Finance Association says U.S. companies borrowed 6% more in January for agriculture investments. CNH CEO Scott Wine breaks down the sector.

On todays show, Kevin Bees interviews entrepreneur and speaker Rael Bricker.   Rael Bricker has seen it all - from being 6,000 feet under ground to growing an education business to 4000 plus students, to spending years working in venture capital. He's listed companies on two international stock exchanges, and his financial services group has settled more than $3bn in loans in 18 years. Rael has diverse work history combined with his unique global research interviews with companies in more than 25 countries.  With over 30 years as a serial entrepreneur, Rael Bricker helps businesses succeed by delivering a series of dynamic talks on building businesses by thinking outside the box. Rael has been presenting for many years on business, culture, finance, investing, diversity and ethics.  The learning is best practice combined with practical experience to achieve business excellence.   Rael Bricker holds two Masters degrees, an MBA and MSc (Software Engineering) and an undergraduate degree in Electrical Engineering (BSc (Eng) . Rael is currently a Fellow of the MFAA. (Mortgage and Finance Association of Australia), a Certified Speaking Professional (CSP) of PSA (Professional Speakers Australia) and a Member of AICD (Australian Institute of Company Directors). Additionally, Rael is the first inspirationalist in Australia with Integrus Global and a Mentor with both Mentored With Mark Bouris and Mastermind.space.  Rael is also the Author of “Dive In : Lessons learnt since business school”.   In today's episode Rael Bricker shares: How he has managed to publicly list companies twice How growing companies via acquisition led his business to a 17x growth How he learned new skills along the way and became a licensed finance broker, and mortgage broker and has been able to help businesses raise over the $3Bn in funding. Why his focus is on helping people in business to be the best version of themselves and how he does that through: Leadership Culture Strategy Jack Welch quote: “The soft stuff is the hard stuff” Lead indicators and lag indicators - if you can get leadership, culture and strategy to work correctly, the lag indicators of profitability will follow in the right direction. The life-changing question Rael asked after recovering from a serious heart condition: “What am I passionate about in my life?” / “What makes me happy?” How he became South Africa's #1 Toastmaster at the age of 20, and how he has continued to improve with the help of experts like Lindsay Adam's, Michael Grinder & Glen Capelli. What is ‘return on excellence' and how to obtain it. Resources mentioned in today's episode: Radical Candor By Kim Scott www.raelbricker.com/freebook www.raelbricker.com/ebook www.raelbricker.com/colours Lindsay Adams Glen Capelli  https://profithive.com.au/glenn-capelli-kevin-bees/   If you would like more insights on profit maximisation for your business visit www.ProfitHive.com.au

On this episode, I have the honor of speaking with Saloua Benkhouya, Vice President, Impact Investing and Private Equity, at Fonds de Solidarité FTQ.Saloua is a proud mother of 3 and has accumulated 20 years of international experience as an executive in financial services. Saloua had the privilege of living and working in several countries which shaped her global perspective and awareness. She's a long-term investor and is passionate about backing female and underrepresented founders.She holds an MBA and a B.Sc in Mathematics from McGill University.  She is secretary of Women in Finance Association in Quebec (AFFQ) and board member of Robotique First Quebec and was recently named to the board of Montrusco Bolton Investments, a Canadian boutique investment firm. Saloua is an active mentor with Max Mentors and Max Aspire. She co-founded a podcast, Femmes et Innovation.  Saloua enjoys spending time with her family and friends, running, reading and traveling.Saloua's Word: Brave04:00 - Saloua shares her childhood experience and how she learned to adapt through the many different family moves08:38 - Her beginnings in entrepreneurship to fund the school cultural show12:12 - The early career pivot from sciences to business, that allowed her to explore new opportunities15:00 - The move to Dubai that accelerated her career, and how she adapted to different circumstances.24:55 - Saloua shares her moments of failure, lessons learnt, and how it's all about people in the end35:45 - Her key takeaways: stay true to yourself, and your beliefs; be brave, be resilientYou can find Saloua on LinkedInIf you loved this episode, please rate and review on iTunes!If you want support with your visibility head to www.thebeauvoirgroup.com or book a chat with me here I love to hear from you! Let's connect:www.linkedin.com/in/bibigi-haile Instagram @bibigihaileunleashed@speakeasy.work

“Being a leader is being able to stand up and actually explained to people where your ethical boundaries are. Because once you explain that you're actually putting yourself out there, that you won't cross that boundary.” Rael's Top Five Tips For Leadership Success1.      Ethics and Integrity – drawing the line in the sand 2.       Vulnerability – showing weakness where necessary 3.       Visibility – being present 4.       Accessibility – Open door policy – flat structure 5.       Inspiration to shared values and purpose TIME STAMP SUMMARY00:37 Leaders need to have ethics and integrity 02:42 Showing vulnerability 06:14 Flat corporate structures 12:09 Summary of top five tipsWhere to find Rael?LinkedIn                              https://www.linkedin.com/in/rael-bricker Website                              http://www.raelbricker.com/ Who is Rael Bricker?In 2013 I was given a rude awakening when after a season of triathlons, I decided to run a marathon. All this was part of a plan before turning 50. Each time I ran, I experienced neck pain  and it was discovered that I had two blocked arteries. I was the lucky one- I dodged a bullet and ended up with two stents.This experience helped me to find my purpose in life.   I found my purpose in sharing the experiences of journeying  and achieving excellence with business owners and entrepreneurs around the world. After 30+ years as a serial entrepreneur, in everything from education to finance to fitness, I've now made it my mission to share my knowledge and expertise with others. Seeing that light come on, and connections being made in people's heads as to how they can weave my experiences and advice into their businesses reinforces that this is where I need to be.From being 6000ft underground in a mine, to starting an education business (that grew to have 4000 plus students) and spending years working in venture capital, I have has seen it all. I have listed companies on multiple international stock exchanges, and my financial services group has settled more than $3bn in loans over 20 years. I have a diverse work history combined with unique global research interviews with companies in more than 25 countries. Taking this knowledge and experience makes me perfect to work with leaders and managers  on growing and achieving excellence, as I have experienced the rollercoaster myself, and know how to navigate the twists, turns and loops.  If you need me to have academic qualifications,  I hold two Masters degrees; an MBA and MSc (Engineering) and am currently a Fellow of the MFAA (Mortgage and Finance Association of Australia), a Certified Speaking Professional  (CSP)  (Professional Speakers Australia) and a Member of AICD (Australian Institute of Company Directors).  My most important qualification is from the school of hard knocks and my most important skill is being able to listen to your needs and design a solution to help you. I am the first inspirationalist in Australia with Integrus Global and a Mentor with both Mentored With Mark Bouris and Mastermind.space. I love serving and contributing to others and in 2021 I have served as the President of Professional Speakers Australia in Western Australia. As my surname suggests, I am about laying the right bricks as the foundation to your personal and business success on the journey to excellence. 

Creativity through the lens of a serial entrepreneur, author, speaker and mentor"Creativity is thinking outside the square. Allowing the thoughts to flow."From being 6000ft underground, to starting an education business (that grew to have 4000 plus students) to spending years working in venture capital, Rael has seen it all. He's listed companies on two international stock exchanges, and his financial services group has settled more than $3bn in loans in 18 years. Rael has diverse work history combined with his unique global research interviews with companies in more than 25 countries.  With over 30 years as a serial entrepreneur, Rael Bricker helps businesses succeed by delivering a series of dynamic talks on building businesses by thinking outside the box. Rael has been presenting for many years on business, culture, finance, investing, diversity and ethics.  The learning is best practice combined with practical experience to achieve business excellence.Rael Bricker holds two Masters degrees, an MBA and MSc (Software Engineering) and an undergraduate degree in Electrical Engineering (BSc (Eng) . Rael is currently a Fellow of the MFAA. (Mortgage and Finance Association of Australia), a Certified Speaking Professional (CSP) of PSA (Professional Speakers Australia) and a Member of AICD (Australian Institute of Company Directors). Additionally, Rael is the first inspirationalist in Australia with Integrus Global and a Mentor with both Mentored With Mark Bouris and Mastermind.space.  Rael is also the Author of “Dive In : Lessons learnt since business school”.https://www.linkedin.com/in/rael-brickerhttps://www.facebook.com/rael.brickerhttp://www.raelbricker.com/https://www.instagram.com/raelbrickerMari's Awakening Creativity FREE GuideMari's Awakening Creativity 7 Day Challenge

“The key to creating a sustainable strategy is understanding that every organisation's strategies are different. And so, the strategy part of it has to rely on some key building blocks.” Rael's Top Five Top Tips for a Sustainable Strategy 1.       What happened – What is happening – Where to from here 2.       Alignment of leadership personal and business 3.       SW (OT) (PESTEL) 4.       Shared strategy – plan on a page 5.       WWWWW – visualization of goals TIME STAMP SUMMARY00:38 Understanding the organisation 05:31 Using other companies as examples 12:17 Measuring success 16:08 Summary of top five tips Where to find Rael?LinkedIn                              https://www.linkedin.com/in/rael-bricker Website                              http://www.raelbricker.com/  Who is Rael Bricker?In 2013 I was given a rude awakening when after a season of triathlons, I decided to run a marathon. All this was part of a plan before turning 50. Each time I ran, I experienced neck pain  and it was discovered that I had two blocked arteries. I was the lucky one- I dodged a bullet and ended up with two stents.This experience helped me to find my purpose in life.   I found my purpose in sharing the experiences of journeying  and achieving excellence with business owners and entrepreneurs around the world.After 30+ years as a serial entrepreneur, in everything from education to finance to fitness, I've now made it my mission to share my knowledge and expertise with others. Seeing that light come on, and connections being made in people's heads as to how they can weave my experiences and advice into their businesses reinforces that this is where I need to be.From being 6000ft underground in a mine, to starting an education business (that grew to have 4000 plus students) and spending years working in venture capital, I have has seen it all. I have listed companies on multiple international stock exchanges, and my financial services group has settled more than $3bn in loans over 20 years. I have a diverse work history combined with unique global research interviews with companies in more than 25 countries. Taking this knowledge and experience makes me perfect to work with leaders and managers  on growing and achieving excellence, as I have experienced the rollercoaster myself, and know how to navigate the twists, turns and loops.If you need me to have academic qualifications,  I hold two Masters degrees; an MBA and MSc (Engineering) and am currently a Fellow of the MFAA (Mortgage and Finance Association of Australia), a Certified Speaking Professional  (CSP)  (Professional Speakers Australia) and a Member of AICD (Australian Institute of Company Directors).  My most important qualification is from the school of hard knocks and my most important skill is being able to listen to your needs and design a solution to help you. I am the first inspirationalist in Australia with Integrus Global and a Mentor with both Mentored With Mark Bouris and Mastermind.space. I love serving and contributing to others and in 2021 I have served as the President of Professional Speakers Australia in Western Australia. As my surname suggests, I am about laying the right bricks as the foundation to your personal and business success on the journey to excellence.   

TIME STAMP SUMMARY  00:36 Getting scared by world ethics06:25 The true open-door policy13:48 How values relate to industry16:42 Creating a purpose greater than the individual and organisation Where to find Rael?LinkedIn                               https://www.linkedin.com/in/rael-bricker Website                               http://www.raelbricker.com/  Who is Rael Bricker?In 2013 I was given a rude awakening when after a season of triathlons, I decided to run a marathon. All this was part of a plan before turning 50. Each time I ran, I experienced neck pain  and it was discovered that I had two blocked arteries. I was the lucky one- I dodged a bullet and ended up with two stents.This experience helped me to find my purpose in life.   I found my purpose in sharing the experiences of journeying  and achieving excellence with business owners and entrepreneurs around the world.After 30+ years as a serial entrepreneur, in everything from education to finance to fitness, I've now made it my mission to share my knowledge and expertise with others. Seeing that light come on, and connections being made in people's heads as to how they can weave my experiences and advice into their businesses reinforces that this is where I need to be.From being 6000ft underground in a mine, to starting an education business (that grew to have 4000 plus students) and spending years working in venture capital, I have has seen it all. I have listed companies on multiple international stock exchanges, and my financial services group has settled more than $3bn in loans over 20 years. I have a diverse work history combined with unique global research interviews with companies in more than 25 countries. Taking this knowledge and experience makes me perfect to work with leaders and managers  on growing and achieving excellence, as I have experienced the rollercoaster myself, and know how to navigate the twists, turns and loops.If you need me to have academic qualifications,  I hold two Masters degrees; an MBA and MSc (Engineering) and am currently a Fellow of the MFAA (Mortgage and Finance Association of Australia), a Certified Speaking Professional  (CSP)  (Professional Speakers Australia) and a Member of AICD (Australian Institute of Company Directors).  My most important qualification is from the school of hard knocks and my most important skill is being able to listen to your needs and design a solution to help you. I am the first inspirationalist in Australia with Integrus Global and a Mentor with both Mentored With Mark Bouris and Mastermind.space. I love serving and contributing to others and in 2021 I have served as the President of Professional Speakers Australia in Western Australia. As my surname suggests, I am about laying the right bricks as the foundation to your personal and business success on the journey to excellence.  

Are you showing up as the best version of yourself daily? In this segment, Rael Bricker shares how using excellence to dive in can create a successful business. We also get into behavioral assessments, qualities, and colors derived by personality styles or profiles. See video here - https://youtu.be/7seD_drFQko WHO IS RAEL? From being 6000ft underground in a gold mine, to starting an education business (that grew to have 4000 plus students) to spending years working in venture capital, Rael Bricker has seen it all. He has listed companies on multiple international stock exchanges, and his financial services group has settled more than $3bn in loans over 20 years. Rael has the unique distinction of having sold more than $1bn in mortgages from stage. Rael's diverse work history combined with unique global research interviews with companies in more than 25 countries allows him to work with leaders and managers on growing and achieving excellence, as he has experienced the rollercoaster himself and knows how to navigate the twists, turns and loops. If you need Rael to have academic qualifications, he holds two Masters Degrees: an MBA and an MSc (Software Engineering). He is currently a Fellow of the MFAA (Mortgage and Finance Association of Australia), a Certified Speaking Professional (CSP) (Professional Speakers Australia), Chapter President of PSA (WA) and a Member of AICD (Australian Institute of Company Directors). In 2018, Rael published “Dive in – Lessons learnt since Business School RAEL'S CALL TO ACTION Grab FREE download of Dive In book - www.raelbricker.com/freebook FREE 15 min consult with me as a professional mentor https://calendly.com/rael-bricker/mentoring raelbricker.com/media GENESIS'S INFO https://thehello.llc/GENESISAMARISKEMP CALL TO ACTION Subscribe to GEMS with Genesis Amaris Kemp Channel, Hit the notifications bell so you don't miss any content, and share with family/friends. **REMEMBER - You do not have to let limitations or barriers keep you from achieving your success. Mind over Matter...It's time to shift and unleash your greatest potential. If you would like to be a SPONSOR or have any of your merchandise mentioned, please reach out via email at GEMSwithGenesisAmarisKemp@gmail.com --- Send in a voice message: https://anchor.fm/genesis-amaris-kemp/message Support this podcast: https://anchor.fm/genesis-amaris-kemp/support

Joel sits down with the National Automotive Finance Association's new Executive Director, Jennifer Martin, to discuss her vision for the association moving forward, the benefits to membership, and what's in store at the upcoming NAF Conference in June. Register for the NAF Conference here.ConsumerFi is presented by Nortridge Software: Loan Software That Accelerates Change.And special thanks to The National Automotive Finance Association: The only trade association exclusively serving the nonprime auto finance industry.

https://youtu.be/909yDIlWajk RJ Grimshaw is the president and CEO of UniFi, an equipment financing company. We talk about the ABLE leadership framework, the concept of intrapreneurship, and break down the world of equipment financing.   --- Identify Your Intrapreneurs with RJ Grimshaw Our guest is RJ Grimshaw, the CEO and President of UniFi Equipment Finance, which grew from $13 million in revenue to $18 million in two years. RJ sits on the board of the Equipment Leasing and Finance Association. And he is a head coach with USA Hockey. RJ, welcome to the show. Hey, Steve. I'm glad to be here. Real quick correction. I coach not for USA Hockey, but within USA Hockey. So I don't want to mislead anyone that I'm actually coaching the USA Hockey team. But we have actually a side note, where I live is where USA Hockey is based for the whole country and they bring in the top 20 players, 17 and 18 year olds, every year to play for USA and typically that's your Olympic team. So I again, I don't want to confuse anyone or anyone think, geez, RJ is really getting ahead of himself thinking that he's coaching USA hockey, but I am a certified level four coach for USA hockey. And I've coached for close to 20 years. So it's one of my passions. I just love the sport, but more importantly, I just love, you know, the life application you can, you know, teach players. Yeah, definitely. And building a hockey team is not completely dissimilar from building an effective business team, right? Who can execute a playbook and score some profitable goals and get things moving, right? That's spot on. And there's a lot of parallels between team sports and business on a daily basis. So, we actually search within Unifi for athletes that have a background and it doesn't have to be a high level. They just played in high school or club or things of that nature. That means that they understand what it takes and the sacrifices, discipline, and more, most importantly, a compete level of the strive for excellence. So I think that there's a lot of parallels between any athletics and in the business world. I definitely agree. And when I was running my own company, I was always looking for, as well, I was always welcoming former athletes, because I knew that they understood how to strive and how to persevere and how to overcome challenges, which in business and entrepreneurship are a given, right? And it continues to, on a daily basis, those attributes continue to be pressed more and more in the world that we live in and what everything's been thrown at us over the last couple of years. And it seems like it's not going away anytime soon now with the other challenges relative to human capital and supply chain and things of that nature. So again, if you built those attributes at a younger age and now you can rely on those and continue to build those muscles in regards to the adjectives that you just said, it's important. Yeah, they say that winning is a habit. So let's start with your entrepreneurial journey. You grew up in a family business, I believe, and you got your first start with a couple of businesses. So can you tell us a little bit about how you got started and how you end up running an equipment leasing company? Sure. I guess I picked my parents correctly because they're both entrepreneurs. My dad was a successful business owner and my mom supported him. And one of the first businesses that they had was a mobile home park that they actually built from dirt up and built it to 40 units and maintained it for over 20 years and then ultimately sold it out to private equity firm. And I was part of that and saw what it took in terms of discipline, evening hours, weekends, and things of that nature. I was young when they started it back in 1969. That was the year I was born in terms of the true hard work of laying electrical and things of that nature. But I was able to witness that. And then my dad owned several businesses.