Podcasts about Forbes

Today on Resonance, I'm coming to you from Uluwatu with a message about the power of editing — not in the sense of doing more, but in the courageous act of removing what no longer serves. Culturally, we're taught that happiness comes from accumulation: more doing, more having, more striving. But in relationships, and in our own inner world, the truth is often the opposite. Fulfillment lives in subtraction.I share a recent real-world experience with someone who showed all the signs of connection on the surface, but ultimately revealed a deeper pattern of gaslighting, blame, and energetic misalignment. It forced me to confront something I've carried since childhood: the impulse to abandon myself for harmony, to take responsibility for emotions that aren't mine, and to stay connected to people who haven't earned the privilege of my presence.In this episode, I dive into why we repeat lessons until we claim the boundary we've been avoiding, how unresolved inner voices manifest in the people we attract, and why editing your relational field is essential for stepping into the next chapter of your life. Most importantly, I share how facing discomfort without numbing it is part of becoming the integrated man I choose to be — one aligned with resonance, partnership, family, and true integrity.If it's not a full yes, it's a no. Boundaries are love. Editing is liberation. And every person we release creates the space for the people who are truly meant to walk with us. Michael Trainer has spent 30 years learning from Nobel laureates, neuroscientists, and wisdom keepers worldwide. He's the author of RESONANCE: The Art and Science of Human Connection (March 31, 2026), co-creator of Global Citizen and the Global Citizen Festival, and host of the RESONANCE podcast.Featured in Forbes, Inc, Good Morning America. Follow on YouTube

Steve Forbes explains the complex and stark realities facing President Trump and his team in achieving a peace deal with Russian President Vladimir Putin to end the Russia-Ukraine War.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Dr. Michael Snyder joins Dr. Forbes to discuss research showing that Type 2 diabetes represents multiple metabolic subtypes rather than a single condition. He explains how glucose curve patterns, oral glucose tolerance testing, and continuous monitoring can help identify differences in muscle insulin resistance, beta-cell function, hepatic signaling, and incretin response. The conversation explores how these physiological patterns may guide individualized nutrition strategies, medication selection, and earlier detection in people with emerging dysregulation. 

On this Live Greatly podcast episode, Kristel Bauer sits down with cognitive psychologist, keynote speaker, and the author of Great Work: Do What Matters Most Without Sacrificing Everything Else, Dr. Amanda Crowell.  Kristel and Amanda discuss overcoming being a people pleaser, overcoming being a controller as well as how to lean into your great work.  Tune in now!  Key Takeaways From This Episode: How to overcome being a people pleaser How to overcome being a controller A look into Amanda's book, Great Work A look into the struggles in Amanda's life that led her to write this book ABOUT DR. AMANDA CROWELL Dr. Amanda Crowell is a cognitive psychologist, keynote speaker, and the author of Great Work: Do What Matters Most Without Sacrificing Everything Else, now in its 2nd edition. Amanda's TEDx talk has been viewed nearly two million times. Her work has appeared in The Wall Street Journal, NPR, Al Jazeera, Thrive Global, and MSN. She lives in New Jersey with her husband, two awesome kids, and a remarkable Newfiepoo named Ruthie.  Connect with Amanda: Order Amanda's book: https://www.amandacrowell.com/great-work  Website: https://www.amandacrowell.com/  Linkedin: https://www.linkedin.com/in/dr-amanda-crowell-51188130/  Instagram:  https://www.instagram.com/aj_crowell/  About the Host of the Live Greatly podcast, Kristel Bauer: Kristel Bauer is a corporate wellness and performance expert, keynote speaker and TEDx speaker supporting organizations and individuals on their journeys for more happiness and success. She is the author of Work-Life Tango: Finding Happiness, Harmony, and Peak Performance Wherever You Work (John Murray Business November 19, 2024). With Kristel's healthcare background, she provides data driven actionable strategies to leverage happiness and high-power habits to drive growth mindsets, peak performance, profitability, well-being and a culture of excellence. Kristel's keynotes provide insights to "Live Greatly" while promoting leadership development and team building.   Kristel is the creator and host of her global top self-improvement podcast, Live Greatly. She is a contributing writer for Entrepreneur, and she is an influencer in the business and wellness space having been recognized as a Top 10 Social Media Influencer of 2021 in Forbes. As an Integrative Medicine Fellow & Physician Assistant having practiced clinically in Integrative Psychiatry, Kristel has a unique perspective into attaining a mindset for more happiness and success. Kristel has presented to groups from the American Gas Association, Bank of America, bp, Commercial Metals Company, General Mills, Northwestern University, Santander Bank and many more. Kristel has been featured in Forbes, Forest & Bluff Magazine, Authority Magazine & Podcast Magazine and she has appeared on ABC 7 Chicago, WGN Daytime Chicago, Fox 4's WDAF-TV's Great Day KC, and Ticker News. Kristel lives in the Fort Lauderdale, Florida area and she can be booked for speaking engagements worldwide. To Book Kristel as a speaker for your next event, click here. Website: www.livegreatly.co  Follow Kristel Bauer on: Instagram: @livegreatly_co  LinkedIn: Kristel Bauer Twitter: @livegreatly_co Facebook: @livegreatly.co Youtube: Live Greatly, Kristel Bauer To Watch Kristel Bauer's TEDx talk of Redefining Work/Life Balance in a COVID-19 World click here. Click HERE to check out Kristel's corporate wellness and leadership blog Click HERE to check out Kristel's Travel and Wellness Blog Disclaimer: The contents of this podcast are intended for informational and educational purposes only. Always seek the guidance of your physician for any recommendations specific to you or for any questions regarding your specific health, your sleep patterns changes to diet and exercise, or any medical conditions.  Always consult your physician before starting any supplements or new lifestyle programs. All information, views and statements shared on the Live Greatly podcast are purely the opinions of the authors, and are not medical advice or treatment recommendations.  They have not been evaluated by the food and drug administration.  Opinions of guests are their own and Kristel Bauer & this podcast does not endorse or accept responsibility for statements made by guests.  Neither Kristel Bauer nor this podcast takes responsibility for possible health consequences of a person or persons following the information in this educational content.  Always consult your physician for recommendations specific to you.

Hey Brave Table fam—this episode is a soul-stirring convo that'll have you rethinking how you build, how you live, and how you lead.I'm sitting down with my beautiful friend, serial entrepreneur & Ayurvedic disruptor Arjita Sethi, who is redefining what success looks and feels like—through ancient wisdom and cutting-edge tech.From building a tech company while mothering a newborn… to burning out from chasing external metrics… to creating Shaanti, an AI-powered ritual platform rooted in Ayurveda—Arjita takes us behind the curtain of what it really means to lead with peace and presence in a world that rewards hustle.We talk building $100M conscious businesses, AI as a tool for feminine leadership, Ayurvedic rituals for nervous system regulation, and the hard truths about startup life nobody wants to say out loud.Whether you're a founder, mama, spiritual seeker—or all of the above—this one's for you.What you'll get out of this episode… A wake-up call on why success without peace is still failureThe rituals Arjita uses to stay grounded while building empiresWhat no one tells you about being an immigrant entrepreneurHow to design your business to fit your nervous system (not the other way around)Why scaling slower might actually be smarterThe mindset shift all women need to hearConnect with ArjitaWEB / https://bit.ly/shaanti_membership IG / https://www.instagram.com/arjitasethi IG / https://www.instagram.com/find.shaanti IG / https://www.instagram.com/newfounderschool Free Body Type Assessment / Take Arjita's free Ayurvedic Body Type Assessment to discover your dosha: https://bit.ly/thebodyassessment Breathe better with JASPRAs a mama healing from mold toxicity, air quality has become deeply personal for me. JASPR removes 97.1% of mold in just 1 hour. Use code BRAVE for $400 OFF: https://jaspr.co/brave Want more?✨ Buy 2, Get 1 FREE – Chai Tonics Holiday Bundle is here! Gift (or keep!) our signature blends—Focus Flow + Rose Ritual—when you buy 2 blends, you'll get 1 FREE. Use code HOLIDAY to get yours now at https://bit.ly/trychaitonics 

Today we have updates today on Paul Finebaum, Forbes' 30 Under 30, sin cities, a new entertainment district and Ann Bedsole. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we talk with Kelly Byrnes, founder of Voyage Consulting Group (VCG) and a globally recognized leadership advisor. With publications in Harvard Business Review, Forbes, and the Wall Street Journal, Kelly brings a refreshing, grounded perspective on what leadership should look like in 2025 and beyond. You will learn: Why “culture surveys” fail and what companies should measure insteadThe four pillars of a healthy organization: Purpose, Principles, People, PerformanceThe #1 mistake leaders make with hybrid work How the Mirror Test can transform self-awareness and leadership presenceWhy authenticity beats imitation — and how leaders can show up as themselvesHow to build an AI strategy that aligns with your valuesWhat inspired Kelly's new book: The Basics of GenAIGUEST LINKS:LinkedIn: https://www.linkedin.com/in/kellytylerbyrneshttps://www.linkedin.com/company/voyage-consulting-groupInstagramWebsite: http://www.voyagecg.comFREE DOWNLOAD: 10 Tips to Make Better Video In Less Time (To Grow Your Revenue) click here Follow host Kim Rittberg on Instagram & Subscribe to Kim's YouTube Channel to Make Better Videos that Convert Please spread the word to your friends and leave us a rating and review on Apple Podcasts!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Nikki Pechet is a mom of three who helped scale Thumbtack into a $3B business. She is recognized on Inc. Magazine's 2024 Female Founders 250 list, and she is the Co-founder and CEO of Homebound, a company started after California's devastating wildfires and now transforming how homes are built across the U.S.In this episode, Nikki joins me to talk about the raw and real side of building a company from scratch, why most female founders stay small, and how you can choose ideas that actually win.We dive into the truth about what it takes to grow a big business, and Nikki opens up about the fear, doubt, pressure, and emotional weight most founders never talk about. Nikki also reveals exactly how female founders can stop being stuck in markets that limit their potential and scale into a huge company.Nikki explains how you can know which ideas to grow and which ones to walk away from. You will learn how to handle advisors and partnerships the right way, how to keep going even when the stress does not let up, and how to manage when you still have a family at home depending on you.If you are building anything, whether you are just starting out or deep in the grind, join us today to understand every factor needed to build a company that matters.Dr. Theresa Goss is an award-winning media producer and the founder of NOW (Network of Outstanding Women). Amilya Antonetti is a globally recognized human behaviorist who has impacted 53,000+ employees and has been celebrated as Woman of the Decade by the Women's Economic Forum.Kathryn Porritt is one of the world's leading experts in luxury and iconic branding who has created and represented multimillion-dollar empires. Rhonda Swan is the CEO of the Unstoppable Branding Agency, elevating investors and fund managers onto the biggest media stages like Forbes and the New York Stock Exchange.Debra Poneman is a New Thought pioneer, best-selling author, and founder of Yes to Success, whose teachings have influenced thousands worldwide, including leaders like Deepak Chopra.In today's episode of Relaunch To A Rich Life, we sit down with these powerhouse women to break open the truth about what really stops women from reaching seven-figure success. Only 1.9% of women entrepreneurs ever get there, and our conversation gets real about why.These successful women also open up about the moments that broke them, the beliefs that kept them playing small, and how they rose back up. You'll hear the truth about self-worth, pressure, guilt, and how to overcome the lies women tell themselves about “not being ready.”You'll learn what stops women from feeling worthy of bigger rooms, why confidence collapses during major life transitions, and one factor that can either limit or accelerate your rise.Join us today as we discuss the barriers that keep women stuck under six figures, how to overcome pressure and guilt, reclaim your confidence, and step into rooms with presence.---Dr. Theresa Goss Social Media:https://www.facebook.com/theresa.goss3/https://www.linkedin.com/in/theresagoss/https://www.instagram.com/experttalktgo/?hl=enAmilya Antonetti's Social Media:https://amilya.com/https://www.linkedin.com/in/amilya/

Branch Basics Co-Founder Allison Evans shares the story behind one of today's fastest-growing human-safe cleaning brands—serving 240,000+ households and generating $50M annually. What began as Allison's search for answers to debilitating chronic pain in college became the blueprint for a mission-driven company rooted in integrity and transparency. But at the height of early success—$2M in revenue, nine employees, and a passionate customer base—Allison and her co-founders made an unthinkable call: shutting the company down after discovering they couldn't verify a key ingredient in their hero product. In this conversation, Allison walks through the shame, backlash, and financial fallout of that decision—while pregnant—along with the 18-month rebuild that followed. From becoming accidental chemists to restoring customer trust to scaling into 600+ Target stores, her story is a case study in resilience and values-driven leadership. It's the founder dilemma no one talks about: when doing the right thing means risking everything.   Key Takeaways and Topics The chronic health crisis that sparked Allison's mission toward toxin-free living The early growth of Branch Basics—and the ingredient controversy that halted it Navigating public criticism, refunds, layoffs, and an IRS audit simultaneously Rebuilding from scratch: 100+ reformulation attempts and finding the right partners How transparency, community, and mission made a comeback possible The mindset shift required to lead through shame, uncertainty, and pregnancy The role of content and education in driving long-term customer loyalty Lessons on partnership, boundaries, and sustainable founder capacity   The Failure Factor Podcast was brought to you by Off The Field Coaching. Explore working with one of our coaches at http://offthefieldcoaching.com  Hosted by Megan Bruneau: therapist, executive coach, speaker, Forbes contributor, and host of The Failure Factor. For more info, visit https://meganbruneau.com   Branch Basics: https://branchbasics.com Branch Basics Instagram: https://www.instagram.com/branchbasics Megan on Instagram: https://www.instagram.com/meganjbruneau  Megan on LinkedIn: https://www.linkedin.com/in/megan-j-bruneau-m-a-rcc  Subscribe to the podcast newsletter at https://thefailurefactorpodcast.com 

Jeffrey Condren, CFP® is a Senior Vice President and Wealth Advisor in Mesirow Wealth Management. With two decades of experience in the financial industry, Jeff has solidified his reputation as a seasoned expert in wealth management and financial planning.Jeff joined Mesirow in 2015 and has since provided invaluable guidance to a diverse clientele, helping them navigate various economic landscapes and market fluctuationsJeff was named to the 2024 Best-in-State Top Next-Gen Wealth Advisors ranking by Forbes. He is the Immediate Past President of the Ravinia Associates Board and recently served as a member of the Executive Board of Trustees at the Ravinia Music FestivalJeff earned a Bachelor of Science in Finance from DePaul University and is a CERTIFIED FINANCIAL PLANNER® professional. He holds the Series 7 and 66 FINRA licenses.Learn more: https://www.mesirow.com/capabilities/wealth-management/maniscalco-teamInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/jeffrey-condren-cfp-senior-vice-president-wealth-advisor-with-mesirow-wealth-management

A look behind the statistics of the 2026 Under 30 List—from $3.8 billion in funding to 200 million fans online. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Steve Forbes shreds the latest budget for the U.K., explaining why its raised taxes and ending of jury trials will accelerate the startling degeneration of the U.S.'s mother country, and warns that what's happening in Britain is a warning to those who cherish liberty.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Stijn Schmitz welcomes Dr. Mark Thornton to the show. Dr. Mark Thornton is Economist and Senior Fellow at the Mises Institute. The discussion centers on the current state of precious metals, monetary policy, and economic systems, with a particular focus on gold and silver’s role in the global financial landscape. Thornton argues that gold is fundamentally money, and governments have only recently forced their way into replacing commodity money with fiat currency. He suggests that the current precious metals market is still in its early stages, with central bank buying and distrust in the US dollar driving significant interest. The gold and silver markets are experiencing growing pains, with increasing investor attention and potential for further price appreciation. The conversation delves into the fundamental differences between Austrian and Keynesian economics. Thornton criticizes Keynesian economics as a state-controlled ideology that promotes government spending and manipulates interest rates, whereas Austrian economics advocates for market-driven monetary systems and private property rights. He highlights how central bank policies create economic bubbles and exacerbate wealth inequality by favoring asset-rich individuals. Thornton sees potential for a significant monetary transformation, potentially triggered by the current precious metals bull market. He believes the collision between Western and Eastern financial markets, coupled with the rise of cryptocurrencies, could lead to a fundamental restructuring of monetary systems. The possibility of a return to a gold standard or a gold-backed settlement currency is discussed as a potential future scenario. The economist also warns about potential economic bubbles in artificial intelligence and private equity, arguing that the Federal Reserve’s monetary policies have created unsustainable conditions across various sectors. He believes that while central banks have been able to temporarily extend economic cycles, their power is not infinite, and a significant market correction is inevitable. Thornton concludes by emphasizing the importance of understanding Austrian economic principles and encourages listeners to explore the works of economists like Friedrich Hayek to gain deeper insights into monetary systems and economic dynamics. Timestamps: 00:00:00 – Introduction 00:01:19 – Gold as Money 00:04:21 – Central Bank Distrust 00:05:52 – Bull Run Early Stages 00:09:35 – Historical Parallels 1980s 00:14:15 – Return to Gold Standard 00:18:16 – Bond Markets Unraveling 00:24:07 – Austrian vs Keynesian Economics 00:31:19 – Flexible Inflation Targeting 00:33:53 – Silver Monetary Role 00:45:46 – AI Private Equity Bubbles 00:51:11 – Future Recession Outlook 00:55:41 – Concluding Thoughts Guest Links: Website: https://mises.org X: https://x.com/DrMarkThornton E-Mail: mailto:mthornton@mises.org YouTube: https://www.youtube.com/results?search_query=mark+thornton+minor+issues Book-Hayek: https://mises.org/library/book/hayek-21st-century-essays-political-economy Dr. Mark Thornton is a Senior Fellow at the Mises Institute and formerly held the Peterson-Luddy Chair in Austrian Economics. He hosts the podcasts Minor Issues and Unanimity and is Book Review Editor of the Quarterly Journal of Austrian Economics. His books include The Economics of Prohibition, Tariffs, Blockades, and Inflation, The Bastiat Collection, and The Skyscraper Curse. He has served on multiple editorial boards, taught economics at several universities, and worked as Assistant Superintendent of Banking and adviser to Alabama Governor Fob James. He holds degrees from St. Bonaventure University and Auburn University and has debated the “War on Drugs” at the Oxford Union. Dr. Thornton has been featured in major outlets such as The Economist, Forbes, New York Times, Wall Street Journal, and USA Today, along with numerous international and regional newspapers. His commentary appears regularly on the Mises Institute's platforms and on programs such as Boom-Bust, the Tom Woods Show, and the Scott Horton Show.

The latest edition of the retail industry's leading podcast features an in-depth conversation with Jason Buechel, CEO of Whole Foods Market and Vice President of Amazon Worldwide Grocery Stores, who shares Amazon's rapidly expanding grocery ambitions. Already surpassing $100 billion in gross sales, Amazon is leaning into grocery as a strategic category driven by frequency, loyalty, Prime stickiness, and the potential to unite all household purchasing into a seamless digital and physical ecosystem.Buechel explains how Amazon is transforming grocery shopping—a category in which consumers currently visit four to five retailers a month—into a single, unified experience. With more than 1,000 same-day grocery delivery locations today scaling to 2,300 cities, store-level innovations such as Whole Foods Daily Shop formats, and the integration of perishables directly into Amazon baskets alongside electronics or apparel, the company is erasing long-standing channel barriers. He also outlines the “one grocery” operational vision: unified supply chains, technology stacks, and customer journeys across banners, while preserving the brand trust and standards that Whole Foods customers demand.The episode opens with co-hosts Steve Dennis and Michael LeBlanc breaking down early holiday results. This year's hottest retail storyline, however, may be the sudden emergence of agentic AI. Tools such as Amazon's Rufus and ChatGPT are now influencing search and conversion decisions, helping fuel what the hosts dub “the most agentic Christmas yet.” With traffic gains from AI agents multiplying, the shift from traditional search to intelligent assistants is poised to accelerate dramatically in 2026.The discussion then turns to Kohl's, and the decision to name interim CEO Michael Bender to the permanent position. The hosts frame this as symptomatic of a deeper issue: a retailer with declining relevance in a shrinking total addressable market.On the heels of new quarterly earnings reports they also spotlight the theme of “profitless prosperity”—brands reporting modest sales improvements but sliding EBITDA as tariffs, promotions, and supply chain pressures erode margin—the overarching message: top-line growth is not victory unless gross profit dollars follow.The episode concludes with the remarkable rise of Google's AI game, and Sears inexplicably still operating a handful of stores (though likely not for much longer). SPECIAL OFFER for our listeners! SAVE 20% on registration for the all new Shoptalk Luxe event in Abu Dhabi January 27-29.For more info go to https://luxe.shoptalk.com/page/get-ticket and then register using our special code : RRLUXE20 About UsSteve Dennis is a strategic advisor and keynote speaker focused on growth and innovation, who has also been named one of the world's top retail influencers. He is the bestselling authro of two books: Leaders Leap: Transforming Your Company at the Speed of Disruption and Remarkable Retail: How To Win & Keep Customers in the Age of Disruption. Steve regularly shares his insights in his role as a Forbes senior retail contributor and on social media.Michael LeBlanc is the president and founder of M.E. LeBlanc & Company Inc, a senior retail advisor, keynote speaker and now, media entrepreneur. He has been on the front lines of retail industry change for his entire career. Michael has delivered keynotes, hosted fire-side discussions and participated worldwide in thought leadership panels, most recently on the main stage in Toronto at Retail Council of Canada's Retail Marketing conference with leaders from Walmart & Google. He brings 25+ years of brand/retail/marketing & eCommerce leadership experience with Levi's, Black & Decker, Hudson's Bay, CanWest Media, Pandora Jewellery, The Shopping Channel and Retail Council of Canada to his advisory, speaking and media practice.Michael produces and hosts a network of leading retail trade podcasts, including the award-winning No.1 independent retail industry podcast in America, Remarkable Retail with his partner, Dallas-based best-selling author Steve Dennis; Canada's top retail industry podcast The Voice of Retail and Canada's top food industry and one of the top Canadian-produced management independent podcasts in the country, The Food Professor with Dr. Sylvain Charlebois from Dalhousie University in Halifax.Rethink Retail has recognized Michael as one of the top global retail experts for the fourth year in a row, Thinkers 360 has named him on of the Top 50 global thought leaders in retail, RTIH has named him a top 100 global though leader in retail technology and Coresight Research has named Michael a Retail AI Influencer. If you are a BBQ fan, you can tune into Michael's cooking show, Last Request BBQ, on YouTube, Instagram, X and yes, TikTok.Michael is available for keynote presentations helping retailers, brands and retail industry insiders explaining the current state and future of the retail industry in North America and around the world.

For years, we've been taught that SEO was the key to being found online, write the blogs, keep the website fresh, get your backlinks, and trust the process. But there's a new shift happening in real estate that most agents haven't caught onto yet.  AEO, or Answer Engine Optimization, is quietly becoming more powerful than traditional SEO. And it makes perfect sense. Buyers and sellers aren't searching the way they used to. They're asking full questions out loud into their phones, their cars, and their AI tools. They don't want links…they want answers.  AEO is built for exactly that. It rewards the agents who show up with real answers to real questions, not just blog posts stuffed with keywords. It's the reason some agents are suddenly popping up in AI overviews, even if their websites aren't the "best ranked." How do we set ourselves up for success with AEO? How can we take AI to the next level?  In this episode, I'm joined by digital marketing expert, StoryBrand Certified Guide, and the founder of Changescape Web, Ken Tucker.   We talk about what this shift means for real estate pros: why AEO is winning, how zero-click search is changing consumer behavior, and why some of the platforms we stopped paying attention to, like Yelp and Bing Places, are becoming essential again.   Things You'll Learn In This Episode  Yelp and Bing Places matter more than you think LLMs pull their local business data from platforms most agents ignore. What opportunities open up when our Yelp and Bing profiles are fully optimized and feeding the AI tools directly? Zero-click search is reshaping how people choose agents Consumers are getting everything they need in the AI overview, no clicks required. How do we stand out when the decision is made before they ever reach our sites? Your FAQs are the new fuel for visibility AI tools elevate the agents who answer specific buyer and seller questions clearly and consistently. How do we build a robust FAQ ecosystem? Speed-to-lead is being rewritten by AI phone systems. AI voice assistants respond instantly and book appointments before a human can even glance at their phone. How would this impact our conversion rates?   About the Guest Ken Tucker is a Fractional CMO and Marketing Solution Architect, StoryBrand Certified Guide, marketing expert, speaker, and President and Founder of Changescape Web. Changescape Web was founded in 2005. Many businesses struggle to be found online. Changescape Web builds websites that generate customers so their clients can grow and thrive. They specialize in digital marketing: marketing strategy, website design, search engine optimization (SEO), social media marketing, content marketing, lead generation, and marketing automation. To learn more, head to https://changescapeweb.com/ or follow @changescape on Instagram.    About Your Host Marki Lemons Ryhal is a ​​Licensed Managing Broker, REALTOR®, and avid volunteer.  She is a dynamic keynote speaker and workshop facilitator, both on-site and virtual; she's the go-to expert for artificial Intelligence, entrepreneurship, and social media in real estate. Marki Lemons Ryhal is dedicated to all things real estate, and with 25+ years of marketing experience, Marki has taught over 250,000 REALTORS® how to earn up to a 2682% return on their marketing dollars. Marki's expertise has been featured in Forbes, the Washington Post, Homes.com, and REALTOR® Magazine.   Subscribe, Rate & Review Check out this episode on our website, Apple Podcasts, or Spotify, and don't forget to leave a review if you like what you heard. Your review feeds the algorithm, so our show reaches more people. Thank you!     

Do you want to finally turn your coaching genius into content that's actually you—without drowning in hours of busywork? Imagine being able to show up fully as yourself, while letting AI handle all the tedious stuff and still sound 100% like you. I've got the inside scoop on how to blend AI with your authentic voice so seamlessly that your clients will feel like you're right there with them. Stick with me, and I'll show you exactly how to make AI your secret weapon for real, human-centered impact (not robot vibes).If you want artificial intelligence to amplify who you are, you must put a deeper level of awareness and intentionality into everything you do.—Brian BogertConversation Highlights:Discover how combining AI with authenticity coaching can deepen client connections and boost genuine growth.Explore the impact of AI in coaching and consulting to unlock new levels of efficiency and insight.Learn to transform trauma into wealth-generating activities that empower both you and your clients.Amplify your personal brand authenticity using AI tools that highlight your unique voice and story.Leverage AI tools for content creation to consistently deliver authentic and engaging coaching messages.Resources:Contact Brian at brian@brianbogert.com and put Amplify AI in the subject line to receive access to his free AI process for generating high-quality content from transcripts.Test Brian's AI-powered tool by uploading a transcript to receive multiple deliverables, such as meeting narratives, recap emails, podcast-style summaries, Forbes-style articles, LinkedIn posts, and promotional emails.Use the AI process to streamline and automate the creation of educational materials, social media assets, and landing page copy for masterminds, coaching sessions, webinars, or podcasts.Leverage the AI tool to create detailed client reports and document client journeys for intensives, masterminds, or one-on-one coaching, enhancing client retention and contract renewals.Join the beta launch of Brian's AI tool by reaching out via email, as the product is currently in minimum viable product mode and open for early testers.Transform Coaching with AI Insights Integrating AI into coaching offers fresh perspectives by highlighting trends and insights often missed by the human eye. These data-driven revelations enhance decision-making and personalize coaching methods. As a result, coaches can deliver more impactful, tailored support to their clients. – – – – – – – – – – – – –

This week on the LiberatED Podcast, Kerry McDonald speaks with Tara Famularo-Del Bianco, a former attorney who spent nearly 15 years representing abused and neglected children in New York City before making a dramatic shift into education entrepreneurship. Today, she is the founder of The Magnolia Schoolhouse, a thriving Montessori-inspired microschool in Vero Beach, Florida, that serves 75+ students through 8th grade and blends homeschooling with flexible, part-time, in-person learning. Her founder path was not easy, as she encountered numerous regulatory roadblocks, and ultimately decided to start a church to run her school.  Kerry's latest Forbes.com article detailing Tara's full story is here: https://www.forbes.com/sites/kerrymcdonald/2025/12/01/meet-the-founder-who-started-a-church-to-run-her-microschool/ *** Sign up for Kerry's free, weekly email newsletter on education trends at edentrepreneur.org. Kerry's latest book, Joyful Learning: How to Find Freedom, Happiness, and Success Beyond Conventional Schooling, is available now wherever books are sold!

In today's episode, Lydia breaks down the hard truth most founders desperately need to hear: if you're banking on Instagram or TikTok to grow your brand, you're building your business on the mood swings of an algorithm.Social Media is unpredictable, draining, and almost entirely dependent on luck to go viral or grow, and PR is the exact opposite. PR is strategic, intentional, repeatable, and rooted in real credibility, not fleeting trends.Here's what you'll learn:• Why going viral is statistically almost impossible• Why PR creates predictable, long-term visibility that compounds• How PR builds credibility in ways social media never can• Why social media should support your brand, not carry it• How a simple PR plan + consistent pitching can land real press Support the showWant a Personalized PR Plan? (includes: a custom PR pitch, 6 part "how to research media contacts" module, curated list of 5–10 ideal media outlets, “Where to Go from Here” roadmap (pitch cadence, next steps, etc.) AND a personalized voice note. Click here: https://www.visibilityonpurpose.com/offers/prxBzYXW/checkout DIY PR COURSE!! https://www.visibilityonpurpose.com/pitchpartySIGN UP ON QWOTED for free: https://www.qwoted.com/?via=VOPWatch our FREE masterclass to start landing big press features like Forbes & interviews on top 1% podcasts: https://www.visibilityonpurpose.com/getfeatured Connect with us on and off the pod! Website: ⁠www.visibilityonpurpose.com⁠ Instagram: ⁠https://www.instagram.com/visibilityonpurpose/⁠ Youtube: https://www.youtube.com/@visibilityonpurpose

Send us a textIn this solocast, On Top of PR host Jason Mudd answers Fernandina Beach High School students' questions and shares his PR career journey, experiences, and key insights.Tune in to learn more!Five things you'll learn from this episode:1. How perseverance helped build Axia into the agency it is today2. How integrity shaped Jason Mudd's career, leadership, and long-term reputation3. Why lifelong learning sets great communicators apart in PR and beyond4. The value of genuine relationships in public relations, business, and everyday life5. How setting long-term goals can guide you in owning and running your future business Quotables“One thing about the profession of public relations, you're always getting exposure to new ideas and new information. No two days are the same.” — @jasonmudd“My primary goal and aspiration for what I do is to have a great reputation of providing both valuable and helpful services that companies benefit from.” — @jasonmudd“Growing my agency with integrity and having a reputation of giving back so that we can attract the best talent in the profession, as well as attract the best clients and do some of the best work.” — @jasonmudd“In starting a small business, you've got to do what 99% of the people are unwilling to do themselves. And that's hard by itself.” — @jasonmudd“Think about everything long-term. So, whatever you're doing personally, professionally, think long term about it. Will your future self thank you for what you're doing today?” — @jasonmudd“Regardless of what profession you pursue, always be learning and improving. So improve your communication skills, both verbally and written. Because at the end of the day, that will apply to any profession you're in.” — @jasonmudd“Your integrity and reputation are essential to your success in life, in business, but also in your personal life. People want to do business with people they like, know, and trust.” — @jasonmudd“The greatest compliment for a small business is probably to get a referral. If you know a small business, don't hesitate to leave them an online review or give them a referral because that is the lifeblood of a small business.”  — @jasonmuddIf you enjoyed this episode, please take a moment to share it with a colleague or friend. You may also support us through Buy Me a Coffee or by leaving us a quick podcast review.Contact info and resources:Brightway Insurance PR case studyAdecco Group PR case studyFoundation Financial Group PR case studyFirst Coast Community Bank case stSupport the show On Top of PR is produced by Axia Public Relations, named by Forbes as one of America's Best PR Agencies. Axia is an expert PR firm for national brands. On Top of PR is sponsored by ReviewMaxer, the platform for monitoring, improving, and promoting online customer reviews.

Do you feel overwhelmed and underappreciated at work? In this episode, I talk with Melody Wilding, LMSW about trusting yourself at work and:  • Balancing the strengths and liabilities of being what Melody calls a “Sensitive Striver”  • Trusting your intuition as a valuable source of information  • The key to speaking up in meetings starts by building relationships and taking care of your nervous system before the meeting  • Living with an honor roll hangover from your school days and how that could be contributing to burnout as an adult in the workplace  • Why overperforming and perfectionism often harm your chances of advancement at work • Strategies for setting boundaries at work and what to say when you've overcommitted• Creating a “me manual” to help you communicate how you work best while establishing reciprocal relationships with your supervisors Melody is the best-selling author of Trust Yourself: Stop Overthinking and Channel Your Emotions for Success at Work. Named one of Business Insider's Most Innovative Coaches for her groundbreaking work on “Sensitive Strivers,” her clients include CEOs, C-level executives, and managers at top Fortune 500 companies such as Google, Amazon, and JP Morgan, among others. Melody has been featured in The New York Times and Wall Street Journal and is a contributor to Harvard Business Review, Fast Company, Psychology Today, and Forbes. Melody is a licensed social worker with a masters from Columbia University and a professor of Human Behavior at Hunter College.  Keep in touch with Melody: • Website: https://melodywilding.com/  • Instagram: https://www.instagram.com/melodywilding/  • LinkedIn: https://www.linkedin.com/in/melodywilding/  • Facebook Community: https://melodywilding.com/community  Resources Mentioned: • Get a free chapter from Melody's book, Trust Yourself: Stop Overthinking and Channel Your Emotions for Success at Work, here: https://melodywilding.com/chapter  • Trust Yourself Book by Melody Wilding: https://bookshop.org/a/63892/9781797201962  Thanks for listening! You can read the full show notes and sign up for my email list to get new episode announcements and other resources at: https://www.sensitivestories.comYou can also follow "SensitiveStrengths" for behind-the-scenes content plus more educational and inspirational HSP resources: Instagram: https://www.instagram.com/sensitivestrengths TikTok: https://www.tiktok.com/@sensitivestrengths Youtube: https://www.youtube.com/@sensitivestrengths And for more support, attend a Sensitive Sessions monthly workshop: https://www.sensitivesessions.com. Use code PODCAST for 25% off. If you have a moment, please rate and review the podcast, it helps Sensitive Stories reach more HSPs! This episode is for educational purposes only and is not intended as a substitute for treatment with a mental health or medical professional. Some links are affiliate links. You are under no obligation to purchase any book, product or service. I am not responsible for the quality or satisfaction of any purchase.

There's a new No. 2 on Forbes' ranking of the world's wealthiest people. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Marjorie Taylor Greene, the firebrand Georgia congresswoman, announced in November she is planning to resign from Congress. Her last day in office will be January 5, 2026, over a month away. One potential reason she is hanging on for a bit longer, enduring the president's ire and the possible threats to personal safety that sometimes follow: It ensures that she will be in office for more than five years, locking in a bare minimum congressional pension. Forbes money in politics reporter Kyle Khan-Mullins joins "Forbes Newsroom" to discuss. Read the full story on forbes.com: https://www.forbes.com/sites/kylemullins/2025/11/25/how-marjorie-taylor-greene-locked-in-her-taxpayer-funded-pension-for-life/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

President Donald Trump said he would look into denaturalizing citizens “who undermine domestic tranquility” after two members of the National Guard were shot in a Washington, D.C., attack the day before Thanksgiving. The suspected gunman is an Afghan national who worked with our military during the war in Afghanistan. He came to America in 2021 through President Biden's Operation Allies Welcome program following the chaotic Kabul withdrawal, but he was ultimately granted asylum by the Trump administration this year. When asked about denaturalization days after the attack, Trump said, "If we have criminals that came into our country, and they were naturalized, maybe through Biden or somebody that didn't know what they were doing, if i have the power to do it — I'm not sure that I do, but if I do — I would denaturalize. Absolutely." Immigration attorney Lina Baroudi joins “Forbes Newsroom” to discuss. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Jamie Merisotis joins us for an insightful conversation on the future of work, learning, and leadership. As president and CEO of Lumina Foundation since 2008, Jamie is a globally recognized voice in higher education, human work, and public policy. His thought leadership has shaped national conversations on college affordability and workforce readiness, and his bestselling books—America Needs Talent and Human Work in the Age of Smart Machines—explore how talent and technology intersect in today's economy. A frequent contributor to major outlets like The Washington Post, The New York Times, and Forbes, Jamie brings decades of experience as a policy innovator, philanthropist, and advisor to organizations tackling complex challenges in education and AI. Tune in as we dive into his vision for a world where learning and human potential drive progress.

A Media1 interjút készített Galambos Mártonnal, a Forbes Magyarország vezérigazgatójával a 2019-től egészen mostanáig húzódó Hell–Forbes per néhány héttel ezelőtti lezárásáról. A beszélgetésben szó esett a jogvita hátteréről, a per alakulásáról, a felek közti konfliktus okairól, a jogi döntések jelentőségéről és a történet legfontosabb tanulságairól. Galambos Márton arról is beszélt, mit jelent mindez a magyar ... Olvass tovább A Galambos Márton (Forbes) a Hell–Forbes per tanulságairól – Media1 Podcast bejegyzés először vipcast.hu powered by Media1-én jelent meg.

Great leaders accomplish more by doing less—protecting margin, fully leveraging their unique strengths, and keeping the vision in front of their teams. In this episode, Andy Stanley and Jason Jaggard discuss why focus is a leadership discipline, not a personality trait. When leaders stop trying to do everything and instead focus on the work only they can do, the organization grows, the team gains clarity, and momentum accelerates. This episode explores the habits that keep leaders out of the weeds, thinking strategically, and empowering others to lead. Download the application guide: https://bit.ly/4rmoa8Q Here is what they cover in this episode: The leader who decides to make everybody happy eventually compromises. (5:28) Only do what only you can do—Identifying where you add the most value. (9:29) Fully exploited strength is a far greater value than marginally improved weakness. (17:46) The formula for vision. (29:04) The multiplier mindset, why replacing yourself is key to the health of your organization. (38:50) If you want to be great, you become a servant to everybody else. (55:28) Special thanks to our sponsor BELAY for offering a free download of their 40 hour CEO Work Week Guide. It includes goal setting, tools, templates, and an ideal work week builder. Just text the word ANDY to 55123 to claim your free guide now. Recognized as one of Forbes' 6 Leadership Podcasts To Listen To In 2024 and one of the Best Leadership Podcasts To Stay in the Know for CEOs, according to Industry Leaders Magazine. If this podcast has made you a better leader, you can help it by leaving a quick Spotify or Apple Podcasts review. You can visit Spotify or Apple Podcasts, and then go to the “Reviews” section. Thank you for sharing! ____________ Where to find Andy: Instagram: @andy_stanley Facebook: Andy Stanley Official X: @andystanley YouTube: @AndyStanleyOfficial See omnystudio.com/listener for privacy information.

In today's episode of Resonance, Michael Trainer broadcasts from Uluwatu, Bali to unpack one of the most overlooked superpowers in modern life: commitment.At a time when flakiness has become normalized and integrity is increasingly rare, Michael explores why honoring your commitments is the cornerstone of both self-trust and relational depth. From navigating a last-minute Wi-Fi crisis to honoring a 30-day daily publishing challenge, he shares a firsthand story of choosing integrity over convenience—and the identity shift that choice reinforces.Michael zooms out to look at how traditional cultures, tribal structures, and Dunbar's number remind us that we are fundamentally interdependent. In an era hyper-focused on the individual, he makes the case for reclaiming a “we-centered” mindset, where honoring your word becomes an offering to the collective.You'll hear how commitment builds internal power, why integrity creates momentum for your dreams, and how following through on his first book opened the portal to his second. This is a call to revisit your promises—to yourself and others—and remember that your words are seeds. When tended, they grow gardens. When neglected, they leave deserts.A grounded, potent reminder: keep watering what you've planted. Your future is listening. Michael Trainer has spent 30 years learning from Nobel laureates, neuroscientists, and wisdom keepers worldwide. He's the author of RESONANCE: The Art and Science of Human Connection (March 31, 2026), co-creator of Global Citizen and the Global Citizen Festival, and host of the RESONANCE podcast.Featured in Forbes, Inc, Good Morning America. Follow on YouTube

Keith discusses seven ways to get a lower mortgage rate, emphasizing the historical impact of the 1940s GI Bill on homeownership and wealth creation.  Caeli Ridge, founder of Ridge Lending Group, digs into smart tactics like adjustable rate mortgages, DSCR loans, and down payment options, plus insider tips on boosting your creditworthiness, timing your rate lock, and planning ahead so you can maximize your returns.  They also explore trends like 50-year mortgages and portable mortgages, and the benefits of FHA and VA loans for first-time buyers.  Resources: Want expert guidance on your next real estate investment or mortgage? Reach out to Ridge Lending Group for personalized support and a full range of loan options—whether you're a first-time buyer or seasoned investor. Visit ridgelendinggroup.com or call 855-74-RIDGE to take your next step! Episode Page: GetRichEducation.com/582 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, seven ways you can get a lower mortgage interest rate. We'll break them down loan types available to you that you never heard of, and learn how the 1940s GI Bill shaped the mortgage that you get today on get rich education   Speaker 1  0:22   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:07   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. You Keith,   Keith Weinhold  1:23   welcome to GRE from the Romanian Black Sea to the Egyptian Red Sea and across 188 nations worldwide. I'm Keith Weinhold, and this is the indefatigable get rich education before we discuss the seven ways that you can get a lower mortgage rate and more in the 1940s before my dad was born, the GI Bill gave veterans returning from World War Two access to cheap home loans, and that single policy decision might have done more to shape the modern American Housing landscape than Anything else in the last 100 years. Think about it, millions of young men, almost kids, really had just spent the better part of their early adulthood in Europe or the Pacific. They came home, married their sweethearts, started families, and suddenly America had this booming demand for housing, but demand alone doesn't build homes. You also need money. You need access to credit, and that's where the GI Bill stepped in. It didn't just thank returning service members for their sacrifice. It handed them something way more powerful, the ability to buy a home with little money down a low interest rate and underwriting standards that would frankly look like a fantasy today, that access to credit sparked one of the biggest housing booms in American history. You had these entire suburbs that sprang up overnight, Levittown in New York, Lakewood in California. These were master planned communities, and they really became a blueprint for Post War America. We had the booming 50s, and this had a lot to do with it. Here's the part that most people don't understand. This wasn't just about housing. This was about wealth creation, because for better or worse, home ownership has been the primary wealth building vehicle for the American middle class these past 100 years, when you give millions of people a subsidized path into property ownership, you're not just giving them a roof. You're giving them equity appreciation, leverage, tax benefits. You're giving them the engine, this flywheel that spins up generational wealth in a lot of ways. The GI Bill is the earliest institutional example of what I at least tell you here on the show, real estate pays five ways. Now they didn't call it that in 1947 but that's exactly what it was. Veterans earned appreciation as suburbs grew. They had amortization working for them, they collected tax advantages. Inflation slowly eroded their fixed rate mortgage balances too. And here's the thing, these weren't even speculative investments. They were homes that they lived in. Now, of course, the GI bill wasn't perfect. It expanded opportunity for millions of people, but it excluded a lot of people too. Lenders and local governments often blocked black veterans and other minorities from accessing the same benefits. That's a whole story unto itself, but the takeaway for today is, when you combine demographic momentum with favorable financing, you can remake a nation, and that's why housing policy still matters today, which we'll get. Two shortly, when you change access to credit or just tweak it, you change the trajectory of families and markets for generations, and the GI Bill proved that. So when we talk about interest rates, affordability, supply shortages, or any of the high frequency housing data that we cover here, remember that the stories aren't just about numbers. They really are about people. They're about giving ordinary Americans the chance to build wealth the same way that those World War Two veterans did through ownership, stability and the quiet compound leverage, not compound interest. Compound leverage that real estate delivers over time.    Keith Weinhold  5:49   I'm bringing you today's show from, I suppose, a somewhat exotic location. I am inside Caesar's Palace, which is right near the very middle of the famed Las Vegas Strip, that's where I'm at. The hotel staff is always accommodative of the show setup. This might seem a little strange to you, because I'm not a gambler. The reason I'm here is that my brother lives 25 minutes away, and I've been with him during Thanksgiving. Next week, I'll bring you the show from Buffalo, New York, and then two weeks from now, I have something heart warming to tell you about that, and it is a real estate story. I'll be broadcasting the show from upstate Pennsylvania. I'll be there to visit my parents. My brother's also coming in from Nevada to be there. That's where the four of us, mom, dad, my brother and I will sit around the same dining room table in the same kitchen of the same home that my parents have lived in since the 1970s nothing has changed, and all four of us know our spots at the table. And actually, it's not even called the dining room table. It is the supper table, as my parents call it so, from flashy Caesar's Palace today to Buffalo and then to Appalachian simplicity in Pennsylvania, the stability and continuity of my parents living in the same home and four wine holds sitting around the table during the holidays, it is so rare. I imagine less than one or 2% of people can do this. I'm just profoundly grateful and proud of Kurt and Penny Weinhold for being the best, most stable parents I could have asked for. It's almost too much to ask, and if you don't have that in your life. Ah, you can do something about that. You can provide the same decency and stability for your children.    Keith Weinhold  7:50   Let's talk about seven proven ways you can get a lower mortgage rate with this week's terrific guest. Though, we'll focus on investment properties. A lot of this applies to primary residences as well.   Keith Weinhold  8:07   We are joined by the founder of the lender that's created more financial freedom for real estate investors than any other mortgage originator in the nation, the eponymous Ridge lending group. And though that sounds impressive, my gosh, she didn't even need that introduction for you the listener, because she's one of the most recurrent guests in show history. Welcome back to GRE Caeli Ridge,   Caeli Ridge  8:30   I am delighted to be here as always, Keith, thank you for your support and acknowledgement. I love what you do, and I'm hoping that I can bring more value today to your listeners in what it is that we do, educating the masses, right?   Keith Weinhold  8:42   You've been doing that here for about 10 years. And yes, we're talking about a woman with a reputation for writing emails in all caps, yet still maintains a great relationship with everybody. I mean, congrats, shaile. I couldn't possibly pull that off myself.   Caeli Ridge  8:58   Thank you, Keith. And you know, I'm going to stay by my all caps, man, it's a speed thing. It all boils down to the number of seconds in the day that I can just move quickly through an email. Yeah, I love my all caps.   Keith Weinhold  9:09   Apparently recipients are still replying, well, you can get a lower mortgage rate in at least seven ways. You can get an adjustable rate mortgage, do a midweek lock in, negotiate seller credits. Have a high credit score. Do a two one buy now, which is kind of old school, but some home builders are using it boost your DTI or buy now, not later. Those are some of the strategies for lowering your mortgage rate. What are your thoughts with regard to that?   Caeli Ridge  9:39   I think all of those are viable. I would just say on the adjust for a mortgage. The pushback I would give there is, is that for residential property, specifically, single family, up to four units, we are not finding that spread between the arm and a 30 year fix. We've been the industry as a whole, secondary specifically been on the inverted yield. Now this gets a little tough. Nickel, and I won't go down that rabbit hole, but 08, 09, the housing and lending crash created an environment within secondary markets where an inverted yield has made a 30 year fixed mortgage more favorable in the rate department. Now that's not always going to be the case. I am a huge fan of the adjustable, but what would work right now is an adjustable with the all in one not to take too much time on that topic, but that would be an adjust rate mortgage that I think would save interest or reduce the rate of which interest is accruing,   Keith Weinhold  10:30   the all in one loan, which we discussed extensively back at the beginning of this year here on the show. Long term, though, I have seen adjustable rate mortgages work for a lot of people, because really, the compelling proposition of the arm is that it guarantees that you get a lower rate in the near term, and yet there's only a chance that you're going to have a higher rate in the long term   Caeli Ridge  10:53   and further. Let's I mean, let's dissect that a little bit. I am a huge proponent. I love an adjustable rate mortgage when the arm is pricing a half or a full percentage point plus over a fixed especially for non owner occupied and the reason for that is, and this is statistically speaking, feel free to look this up, guys, the average shelf life of a mortgage for an investment property is about five years. Great point, right? And we know that if that's the case, right, we're refinancing to harvest equity. We're refinancing maybe to reduce an interest rate from where the market was before, et cetera, et cetera. So that would be the first thing I would say. And then also remember, you guys the first 10 years of an amortized mortgage, 30 year fixed, amortized mortgage, how much of that payment is going to the principal? Because people will often push back by saying, well, either an interest only, or an adjustable and what happens if it changes or it goes up? Most of your payment is going to the interest anyway, and that reset to harvest equity. Borrowed funds are non taxable. We always say that, right? I think it's fully justified. So I love an arm, I just don't know, in comparison to a 30 year fixed today, like a five year ARM versus a 30 year fixed we are in a place that it makes sense, but normally, to your point, absolutely. Fan   Keith Weinhold  12:06   that spread needs to widen for the arm to make more sense. What about doing a mid week rate lock in? Is that a thing?    Caeli Ridge  12:13   Yeah. And you know, I don't have any empirical evidence here. Okay, I don't have any data points that actually prove this, except for 25 years in the business and locking loans every day of my life. There's something about a Monday and a Friday. And I have some conspiracy theories. I don't know that. I it's necessary to share them here, but midweek locks tend to be more favorable in both points and interest rate than you'll find on a Friday and a Monday. I think largely it has to do with, you know, the stock exchanges shutting down for the weekend, right? You got a Friday, you got two days in between. You got foreign markets, and all the things that can explode and happen during that amount of time. So I think they hedge a little bit. So on Friday, going into the weekend, I think that there's something about that and why interest rates are a little less favorable. And then Monday, of course, coming off the weekend, similarly, maybe there's some truth to that too.   Keith Weinhold  13:02   Now, negotiating seller credits has really been a trend to help with affordability. Tell us about specifically what you're seeing there, what's common.   Caeli Ridge  13:11   So we're talking to investors. I can tell you that the loan products you guys are going to have access to are going to cap you, okay, you're going to cap at, per guideline, 2% of the purchase price. Okay, remember that your points that you're paying when you get into locking an interest rate are going to be calculated on the loan size, all right. So the first thing to know is seller paid closing costs, maximum is going to be 2% per underwriting guidelines. That 2% is based on your purchase price. Anything that you're paying points for is going to be on the loan balance, the loan size, so there's going to be a little extra there for you that can contribute or can pay for some other closing costs, right, depending on the numbers. Now, if you're smart enough, or lucky enough, or whatever, the market is viable enough that you can negotiate more than 2% from the seller to pay towards closing costs, you're going to be limited on what you can do on the loan side. But let's say that you go and you've negotiated 4% seller will pay 4% towards your closing costs. Then in that case, you can reduce, you got the two points that you're allowed per guideline. And then you can reduce the purchase price by the difference you don't want to leave that money on the table.   Keith Weinhold  14:15   That's how it's done. And then there's just simply having a higher credit score. What's the highest credit score that really helps you get the lowest mortgage rate for both primary residences and non owner occupied properties. Loan product   Caeli Ridge  14:29   type dependent. But I would say overall, 760 and above is kind of that threshold. There are products that go 780 maybe even on the rare occasion, 800 and above. If I had to pick a number as the absolute pinnacle, I'm going to go 780    Keith Weinhold  14:41   All right, so having a credit score above those thresholds really doesn't help get you a lower interest rate. It's really just a little flex that you've got an 811, credit score, or whatever it is. Now the two, one buy down. That's something that we used to see long ago. A few home builders are bringing it back. And what that does it allow? Homebuyers to pay a lower interest rate for the first two years with the seller covering the difference, and that allows the seller to get their price. They don't have to lower the price of the home at all. But the two one buy down, and you see that written, two, one that has been employed more recently. Tell us about that.    Caeli Ridge  15:18   Well, the builders are struggling in some cases, right? The affordability buzzword is all over the place. So they've had to get creative and find ways in which they can move their inventory. So I think they've done a good job at kind of shaving off some of their margins to satisfy or improve the terms for the consumer. So I like the two. One, if you can get it   Keith Weinhold  15:37   now, one can boost their DTI as well their debt to income ratio and Taylor. When we've talked about that before, we've usually talked about reducing your debts in order to improve your DTI. However, a lot of people don't think about the fact that, oh, well, you can increase your income that lowers your DTI to help you qualify. So tell us what is the max DTI that you can have   Caeli Ridge  16:00   maximum debt to income ratio, in most cases on a full dock loan is going to be 50% now, depending on the type of income that you earn or that you've demonstrated, how you calculate that can get a little bit tricky. But if you're just a straight w2 wage earner, we don't have, you know, commissions or bonuses or anything that we consider variable income, then you just take your gross income times 50% whatever that number is, all of your liabilities on the credit report, we do not count ordinary living expenses like food and gas and utilities and cell phone bills. It's the minimum payments on the credit report. As long as whatever that add up is fits within that 50% you're good to go.    Keith Weinhold  16:37   Now, when it comes to improving our DTI to get a lower mortgage rate, I tend to think it's easier to knock out some debts to improve your DTI. But what about the other side of it? What about increasing your income to improve your DTI, lower your mortgage rate and qualify? Can you talk about some of the strategies for increasing your income with respect to DTI?    Caeli Ridge  17:02   Absolutely. And the biggest one, I think that we probably want to focus on most is going to be on a schedule E, right? That's the one that you're going to have more control over. So when we talk about rental income and how we might be able to boost that first, it might be important to share that there are two ways in underwriting that we will calculate or quantify rental income. The first way is called the acquisition year formula. I'll give you that in just a second. It's very easy, but the way I think we focus on here, because acquisition year is going to be what it is, you're going to have very little ability to manipulate or change that once our rental properties fall on our tax return, specifically the Schedule E of a federal tax return, you as the taxpayer or the borrower are going to have some access to maximize or increase the income, or, let's actually get a little bit more granular there to maximize the gain or minimize the loss, by means of depreciation, maybe a cost seg, maybe we make sure that one time, extraordinary expenses are demonstrated on the tax return in the appropriate way so that underwriting can add those things back. So I know that this sounds technical, but the scheduling is the way that I would say is the easiest for an investor to maximize income, reduce debt to income ratio. And I will close by saying that ridge lending, I think one of our most valued value adds is the ability to help our clients look at their draft tax returns on an annual basis and present them with, Hey, listen, Mr. Jones, if you file this way, this draft tax return, if it files this way, this is what it means to your debt to income ratio. Here's my advice, right? We go into a lot of depth there with our clients.   Keith Weinhold  18:39   That is a smart, long term planning piece that most mortgage companies are not going to give you. They're not going to be forward looking, looking out for your next three years of growing your income property portfolio. And shortly, we'll talk about a way for you to qualify loans where you don't have to show tax returns or W twos or pay stubs. But while we're talking about how to get a lower mortgage rate and some creative ways to do that, I brought up, buy now, not later. And what do I mean by that? What I mean is say, properties appreciate even 3% over time. Buying now, I mean that is going to net you more equity if you buy now rather than waiting, than it would in the savings from a rate drop, when you look at the appreciation run up, however, if rates go up, then you get both the lower price and the lower rate by buying now, not later.   Caeli Ridge  19:32   And I would add to that, we have to remember that in addition to a very modest 3% in the home appreciation, we should be appreciating our rents at even a modest 2% a year, right? Depending on where you are, et cetera. I know that there's exceptions to the rule. And then finally, we got to add in that tax benefit, what you're going to get in your deductions, et cetera, et cetera.   Keith Weinhold  19:51   Yeah, great point. Well, I brought up seven ways that you can get a lower mortgage rate. Can you share a few more with us? Some common ones? Because I know. That almost everyone that calls in there wants to inquire about mortgage rate as well.    Caeli Ridge  20:03   Everybody wants, yep, everybody wants to talk about the rate, despite my vervet opposition to say, do the math. Do the math. Do the math. You know, the easiest one there would be buying down the rate. I'm going to try and formulate an example. Let's say you've got a really high wage earner and in the thick of their earning years, and they're trying to prepare for retirement down the road. It's a longer term burn. They desperately need tax deductions, and the deal that they're looking at, yeah, it's okay, but they want some extra expenses on the Schedule E, maybe they buy the rate down by three even 4% because points on an investment loan transaction are tax deductible, so that might be something, and they obviously benefit from the lower interest rate. Now I may push back on this, and I think again, I know I sound like a broken record here, but we really need to do the math. What are we getting versus what are we giving up to get a 6% or five and a half percent interest rate? What does that mean in real, tangible cost, and what's that? Break even? It's actually a fairly simple calculation. When you just divide the difference in what you're getting versus what you're paying for, and that'll give you the number of months that it takes to recapture the incentive versus the expense. But that would be the easiest one. Keith, I would say buying down points, using paying additional points to get that lower interest rate,   Keith Weinhold  21:20   buying down your rate. It could feel good in the short term, but it's often not the best long term or even intermediate term move when you do the math, as you always like to say, well, you the listener here, you know that you can qualify for mortgage loans, for rental properties without needing a w2 without needing a pay stub and without even needing to show tax returns, because you need all those things for a conventional loan, but for a DSCR loan, debt service coverage ratio, you don't. So talk to us about the pros and cons of a DSCR loan versus a conventional   Caeli Ridge  21:53   loan. Okay? And I've got a hook here too, because I think the listeners are gonna be very, very pleased to hear at the end of this statement, what's happening with DSCR in conjunction or comparison, rather to the conventional so DSCR everybody means debt service, coverage ratio. It's a very simple formula. We are going to take the gross rents and divide it by the principal and interest and taxes and insurance and association. If it applies, that's it.   Keith Weinhold  22:18   $1,000 in gross rents, $800 in p i, t i, that yields a DSCR of 1.25 Correct?   Caeli Ridge  22:25   Yes, you're absolutely right. The one that I use as I, just to keep it simple, is 1000 rents, 1000 piti. That's a 1.0 right? As long as the gross rents are equal or greater than the p i, t i, you're going to be in a position to get the more favorable rates. Now that's not to say that we can't go below a 1.0 ratio. You can actually have a property, we have products that will allow the DSCR to be a point seven five. That would mean, in this scenario, if you had rents, gross rents of 750, and the piti was 1000 you can actually get that loan done. That is allowed. The rate gets a little bit hairy. So more often than not, we're at the 1.0 and above. So this is just a really great way for investors who are either recently self employed, maybe they're adjusted gross, they just write everything off for reasons that you can imagine. Why? Right? They don't want to pay the taxes. It could be 100 different reasons. The DSCR option is such a great solution to provide a 30 year fixed mortgage same same similar leverage, if not sometimes even better than a Fannie Freddie, than a conventional loan, you can usually leverage a little bit more, in some cases, on a DSCR like a two to four, for example, two to four unit residential property, Fannie Freddie, they kind of cut those loan to values a little bit, and the DSCR loans don't care about that. So you can get the same leverage as a single family would in a DSCR. The only other primary difference is these DSCR loans are going to come with prepayment penalties. Typically, the standard is about three years, but we're usually not refinancing in the first 36 months. Anyway, if you know that that's applicable to you, then you'd have to buy the prepay down or out, which you can do otherwise. DSCR is amazing. Oh, and I'll give you the little hook here. So something I have observed this is maybe very recent 4550 ish days, the margin for interest rate difference between conventional and DSCR is really starting to narrow. DSCR products are really performing well, and that interest rate improvements that we've been seeing for those products is not far off from what the Fannie Freddie's are, and I've even seen examples where DSCR beats a 30 year fixed Fannie Freddie rate. Now those are for the higher loan amounts. I can explain if you want, but otherwise, that's good news.   Keith Weinhold  24:36   Okay, this is really good news. It's a time in the cycle where dscrs could very well make sense for you without that huge documentation Shakedown that you need with W twos and pay stubs and everything else. There are a lot of nascent trends in the mortgage industry, and we're trying to separate some of them from being rumors, from being something that can truly happen. We're talking about 50 year mortgages and poor. Affordable mortgages. More on that. When we come back, you're listening to get rich education. Our guest is Ridge lending Group President, Chaley Ridge   Keith Weinhold  25:07   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text now it's 1-937-795-8989, yep, text their freedom. Coach, directly, again. 1-937-795-8989,   Keith Weinhold  26:18   The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President Chaley Ridge personally, while it's on your mind, start at Ridge lending group.com, that's Ridge lending group.com   Dana Dunford  26:50   this is hemlanes co founder, Dana Dunford. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.    Keith Weinhold  26:58   welcome back to get rich education. We're talking with Ridge lending Group President and Founder, Chaley Ridge about how you can get lower mortgage rates, and also about some trends in the industry, separating what's really a rumor in what could really happen squaring on 50 year mortgages and portable mortgages, those are both things only being discussed by the administration to help with affordability. FHFA Director Bill Pulte created some jarring news recently when he publicized this. What are your thoughts on the 50 year mortgage?    Caeli Ridge  27:39   You know, on a primary residence basis, I'm not so sure I need to maybe put some more thought into that. But for an investment property, I love it. Man, anything to keep that payment down so that, because, remember, we talked about earlier in the show here the percentage of mortgages, let's just use our 30 year fixed for a second that for a rental property that start on day one and then stroke a check 360 times later to pay that to zero. Is a fraction of a percent right? We are refinancing these things. We are selling them and doing 1031 exchanges. So anything that can keep my cash flow higher and my payment lower, I am all for it. Now, the people that push back and say, Well, I want to pay off my mortgage in 15 years. I don't want to pay extra interest, you are welcome to do that. So there's a second piece to this that I think is equally as important as maximizing cash flow, and that is your qualification. All right, if this comes to pass, and right now, it could just be noise, okay, and I'm speaking specifically for investment property, but if this is available to us, the debt to income ratio component, because think about it like this. So I'm going to keep using my 15 year and my 30 year, because that's kind of what we understand. The payment difference between a 30 year 360 month and a 15 year 180 month can be substantial depending on the loan size. I mean, it can be hundreds and hundreds of dollars for the individual that is dead set and say, I don't want to pay the higher interest. I want to pay these things off. We may have arguments about that whole strategy to begin with, but overall, if they still want to do that and that's their decision, Fine, take the 30 year fixed payment. Take the 30 year fixed mortgage. Apply the difference. You can figure out that payment difference very easily. Apply it religiously. Every month. You will cross the finish line in about 15.4 years. Download an amortization calculator online. You can find them everywhere. Plug in your numbers, and you'll see what I'm talking about. If you were to do this, let's say the difference is 200 bucks a month, and you send it in every month with your 30 year fixed mortgage payment, you will cross the finish line to pay that thing off in about 15.4 years. So yes, you'll pay a few extra months of interest. But what have you done to your qualifications, right, your payment now on your debt to income ratio, when we're looking at this thing for a future optimization, never take the shorter term amortization, ever, ever, ever, you won't pay the higher interest that the 30 year or the 50 Year will probably come with because you've accelerated the payoff so long, if that's your choice. Now for everybody else that really wants. To maximize that cash flow. And they get that, they're going to be refinancing this every five, six, whatever it is, years take it, man, I am all for the longer term amortization on a rental.   Keith Weinhold  30:10   I agree with you. I even like the 50 year on a primary residence, but yeah, Chaley, right here on the show, several weeks before Bill Pulte made the announcement, I actually talked about the 50 year mortgage and compared it to the 30 and the reasons that I like it because I knew there was a chance it could be coming, since this administration is trying to do so much to help out with affordability, people buy based on a payment, not a price that lowers the payment. A 50 year mortgage helps you benefit from inflation, and there are a lot of other advantages that have to do with that, although you probably are going to pay a higher interest rate on a 50 than you would a 30. And you know, Chaley, when the 30 year mortgage had its Advent just after World War Two, I'm going to guess 75 years ago, people were having this same conversation like, oh, 30 years, my gosh, you're never going to pay off the home. And really, that's not what it's about.    Caeli Ridge  31:01   Not at all, not at all. And remember, you guys, I would encourage everybody listening to this to actually go get that amortization table and see how much interest is baked in and how it is applied and paid. It is the back end of any of these amortized mortgages where the principal actually starts to get applied in a meaningful way. The 50 year mortgage, or the longer term amortization is a huge advantage. I'm speaking for investors. Mostly. I love it.   Keith Weinhold  31:26   Some people say, are you nuts? Look at how much more interest you're paying over the life of the loan on a 50 year mortgage versus a 30 year mortgage. We already touched on that you're not going to keep that loan for the life of it, and if you just take the difference from the lower payment that a 50 Year gives you, and invest that in 8% return, you are going to crush 2x to 3x oftentimes, what the paltry interest savings are over several decades,    Caeli Ridge  31:26   and somebody else is making that payment right. We have tenants that are responsible   Keith Weinhold  31:47    100% and then there's something that I don't know if portable mortgages would fly. And what this means is that when borrowers move, they could keep the rate, keep their term and keep their lender, presumably for the new home you might have seen it in the news. You the listener that Fannie May remove the minimum credit score requirements from desktop underwriting. And Chaley, I think you let me know elsewhere that those changes don't affect non owner occupied, but of course, it could affect the broader housing market in pricing. What are your thoughts about lowering the credit score requirement   Caeli Ridge  32:28   so similar to the portable stuff, until it really reaches mainstream and it affects the non owner occupied I'm not deep diving into those things. The basis of it, though, is, is that, yeah, they're removing that minimum credit score requirement from a du underwrite that stands for desktop underwriter, as you said, that is Fannie Mae's sophisticated, automated underwriting system, and I think it's just going to give more eligibility to lower income households and people trying to become homeowners that have found the barrier for entry very restrictive because They have credit issues.    Keith Weinhold  33:00   Well, let's talk about FHA and VA loans, something that we have rarely, if ever touched on. Our listeners know that I started out making my first ever property of any kind, an FHA loan with three and a half percent down on a fourplex, living in one unit, renting out the other three. Tell us about some trends there in FHA and VA loans   Caeli Ridge  33:21   we actually just did house hack campaign. We did a webinar on it, co living, all those different ways in which, you know, the younger generation, especially, and this is true for anyone. I don't want to pigeonhole it, can get themselves into home ownership and propel them into the real estate investing as an asset class. I am such a big fan of this model, in this strategy, for anybody that's interested and willing to kind of coal mingle or habitat, like you did a four Plex at three and a half percent down, you've got three tenants that are making your mortgage payment. VA, likewise, any of the Gubby loans, which include VA, FHA, USDA, you can get high, high leverage and up to four units. So I'm a huge fan of that. And then the CO living is another thing that I think is not quite mainstream, but I think it's gaining steam    Keith Weinhold  34:09   for those that don't know what we're talking about, you can use an FHA loan with a three and a half percent down payment, as long as you live in one of the units, your credit score can even be pretty low, and you can do that with a single family home, duplex, triplex or fourplex. You can get those same benefits with a VA loan and zero down   Caeli Ridge  34:29   USDA also zero down if you're in the right zip code. How does one qualify for a USDA loan? You know, there's a website I would have you check out. We don't do a ton of those. We have the ability, of course, but there's income restrictions and all of this. They've got, actually, a pretty slick website where you can go online, type in the zip code, make sure it's in a rural area, what your income is. There's all these inputs, and it'll tell you if you'd be a candidate for it. But yeah, it's good. Rates zero down. I like the product.   Keith Weinhold  34:56   Well, there have been a lot of newsy items when it comes. Comes to mortgages. Caeli and I think we should drop back before we're done here and talk about the basics. Just basically, what does it take to get a non owner occupied loan for residential income property?   Caeli Ridge  35:12   You know, there's so many options for investors today that I would say that if you have access to and even with what we just said, house hack. I mean, listen, if you've got 3% down, three and a half percent down, you can probably assure yourself you can get into a property. And if you can't qualify from a income debt to income ratio perspective, you've got three or four other models, which include DSCR, bank statement loans, asset depletion loans, overall, I would say that this is an individual conversation. Chances are you could probably qualify today, and if you can't, one of the things that I love about Ridge lending is, is that we're going to help you plant the seeds and show you how to qualify. If it takes you three months or six months or a year, that's what we do.   Keith Weinhold  35:56   Yeah, we've definitely noticed the difference here and that you do help that investor with long term planning? I do my own loans at ridge, and my assistant here at GRE she recently got the ball rolling with you in there at Ridge as well.   Caeli Ridge  36:11   Brenda, yes, yes, that was fantastic. We are very looking forward to helping her.   Keith Weinhold  36:16   Well, you know, chili, I've come here with a lot of questions that I had. What's the question No one's asking you, but you wish that they would.   Caeli Ridge  36:25   I think it probably would be for me, planning. You know, we get a lot of questions about interest rates. That's kind of top of mind for everybody. More about planning, having people that are interested in real estate as an asset class and an investment have the conversations to say, this is where I'm at today. This is where I'd like to be in five years. Tell me how to get there, and we can have those high level conversations that really sort of reverse engineer it and say, Okay, this is where you stand today from an underwriting perspective. This is where you need to be, and here's how we're going to get you there. It's always about planting seeds and creating those roadmaps, as I like to say so I would say that that would be top of my list.   Keith Weinhold  37:02   That's exactly what you do in there, and that's really what sets you apart. Well, remind our audience how they can get a hold of ridge.   Caeli Ridge  37:11   Yes, there's a couple ways. Of course, our website, Ridge lending group.com Please email us info at Ridge lending group.com and then call us toll free. 855-747-4343, 855-74-RIDGE  is an easy way to remember.   Keith Weinhold  37:25   It's really been valuable this time. Chaley, thanks so much for coming back onto the show.   Caeli Ridge  37:29    Appreciate you. Keith.   Keith Weinhold  37:36   Oh yeah, good pointed info from Chaley over at Ridge, I think that the important things for you to remember from our conversation is that, gosh, isn't it so glaring like in your face that you have options. All these options when you engage with a lender, you're going to learn that there are probably loan programs that you've never even heard of, some that you might fit into and even if you aren't adding more property, if you're not in that phase, there are ways that you can take your existing loans and consolidate them or refinance them, or use them to produce a tax free windfall for yourself and the US is often the envy of other world nations with the flexibility that we have here in our mortgage market. I've never known anyone that does this better than Chaley and her team. I mean, they are real difference makers. If you learn something on today's show, hey, Don't hoard the good stuff. Engage in the nicest kind of wealth redistribution. Tap the Share button right now and share this on social, or text this episode to one friend who'd appreciate it. That would mean the world to me. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  38:57   Nothing on this show should be considered specific personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  39:25   The preceding program was brought to you by your home for wealth building, getricheducation.com  

What happens when you're too dark to be Miss India... but not American enough to be Miss America?In this deeply vulnerable and powerful episode of The Brave Table, I sit down with Nina Davuluri—activist, entrepreneur, and the first Indian-American Miss America. She takes us behind the scenes of her viral win, the backlash, and how colorism shaped her identity, her advocacy, and her new documentary COMPLEXion.From growing up in a world that worshipped whiteness to dismantling billion-dollar beauty brands' skin-whitening products, Nina doesn't hold back. If you've ever felt not enough—too dark, too loud, too ambitious—this one's for you.What you'll get out of this episode… The shocking moment that shaped Nina's awareness of colorismWhat really happened the night she won Miss AmericaThe real cost of fitting into beauty ideals in Western and South Asian culturesHow Nina helped push major beauty brands like Unilever, L'Oréal, and Johnson & Johnson to drop or rebrand whitening productsHer advice for healing self-worth and reclaiming beauty on your own termsHow her relationship with her now-fiancé reminds us that true connection sees beyond appearance, fame, or abilityConnect with Nina WEB / https://www.ninadavuluri.comIG / https://www.instagram.com/ninadavuluriYT / https://www.youtube.com/@Nina.Davuluri WATCH COMPLEXITY / https://www.amazon.com/COMPLEXion-Nina-Davuluri/dp/B0B8KZ32BG Breathe better with JASPRAs a mama healing from mold toxicity, air quality has become deeply personal for me. JASPR removes 97.1% of mold in just 1 hour. Use code BRAVE for $400 OFF: https://jaspr.co/brave Want more?✨ Buy 2, Get 1 FREE – Chai Tonics Holiday Bundle is here! Gift (or keep!) our signature blends—Focus Flow + Rose Ritual—when you buy 2 blends, you'll get 1 FREE. Use code HOLIDAY to get yours now at https://bit.ly/trychaitonics 

Maeve Ferguson breaks down why quiz funnels are dominating lead generation right now and how you can build one that actually qualifies your prospects instead of just filling up your inbox. She shares her journey from accountant to funnel strategist to AI obsessed entrepreneur, plus we get into the wild world of agentic AI—including the agent she built that finds speaking opportunities and matches them to her calendar automatically. Key Takeaways Quiz funnels outperform traditional lead magnets because they tap into people's curiosity and desire to learn about themselves Your intellectual property (IP) and strategic frameworks are what'll make you AI-proof—the execution will get automated Agentic AI can handle repetitive tasks like finding leads, posting content, and even analyzing ad performance The best quizzes aren't about convincing people they need your service—they're about helping qualified prospects realize they're ready for it About Maeve Ferguson Maeve Ferguson Is A Business Strategist And The Creator Of The Client Engine™, a proven system that helps authors, consultants, and entrepreneurs transform their intellectual property into evergreen lead-generation machines. Specialising in diagnostic assessments and quiz funnels, Maeve helps experts attract, qualify, and convert high-ticket clients at scale. With a background in private equity and a track record of working with 7- and 8-figure thought leaders, Maeve brings a unique blend of corporate strategy and entrepreneurial speed to the table. Her clients range from bestselling authors to global speakers who want to scale without shouting into the void or wasting time on unqualified leads. Maeve has been featured in Forbes, appeared on Jen Kem's Stage, and leads a multi-6-figure business while raising two young kids on a horse farm in Ireland. Through a mix of systems, data, and diagnostic-driven strategy, she helps creatives turn their ideas into income and their frameworks into globally recognised assets. In This Episode  [00:00] Welcome to the show! [05:41] Meet Maeve Ferguson [07:36] Intellectual Property [14:01] Diagnostic Architecture [28:11] Rich Niche [32:24] Marketing Strategies [37:59] Agentic AI [50:02] Connect with Maeve [51:37] Outro Quotes "Listen to your market and give them what they want." - Maeve Ferguson "Where the world is going, those services of doing the doing will be replaced by AI. What won't be replaced is the tail framework." -Maeve Ferguson "The things I'm building now didn't exist six months ago. Never mind where we're going to be next year, five years time. It's going to be a different planet." -Maeve Ferguson "We're not trying to convince people that they should want video, because that's like pushing water up a hill." -Maeve Ferguson Guest Links  Get your IP Assessment (in 8 minutes) Follow Maeve Ferguson on Instagram Connect with Maeve Ferguson on LinkedIn Watch the Expert to Thought Leader Show on YouTube Listen to the Expert of Thought Leadership podcast Links  Find out more about the Studio Sherpas Mastermind Join the Grow Your Video Business Facebook Group  Follow Ryan Koral on Instagram Follow Grow Your Video Business on Instagram Check out the full show notes

This week on Divorce & Beyond, we are bringing back the number one episode of all time, my conversation with the incomparable Bill Eddy about his groundbreaking book Splitting: Protecting Yourself While Divorcing Someone with Borderline or Narcissistic Personality Disorder. This encore episode is more timely than ever and is also the perfect lead-in to next week's very special conversation with author Matthew A. Tower and Bill Eddy about Matthew's new book Love Wars: Clash of the Parents. That episode takes you inside the emotional experience of a child living through a high-conflict divorce. Today's replay sets the foundation for everything we will discuss next week. Why This Episode Matters There is a reason this conversation has remained the most downloaded episode in the history of Divorce and Beyond. Bill Eddy's insights have helped countless listeners understand what is happening in their high conflict divorce, why the conflict feels impossible to manage, and how to protect themselves and their children from the fallout. If you are facing a high-conflict situation, or if your co-parent has patterns of narcissistic, borderline, or antisocial behavior, this episode will give you the clarity and direction you need. In this episode you will learn: • What borderline, narcissistic, and antisocial personality patterns look like during divorce, and why they escalate conflict • The biggest mistakes people make when trying to “diagnose” or explain their spouse's behavior • How to communicate effectively using Bill's BIFF method (Brief, Informative, Friendly, Firm) • Why judges often get high-conflict cases wrong, and what you can do to present your case clearly and effectively • How to document incidents safely and strategically • What to expect when divorcing a high-conflict person and how to pace yourself for the long haul • When mediation works, when it does not, and why preparation matters • How to stay calm and grounded when your spouse appears calm in court and you do not • The three biggest patterns you must highlight to the court so your case is understood • Why support systems, emotional boundaries, and strategic planning are essential for survival Bill's wisdom is clear, practical, and actionable. Whether you are preparing for divorce, in the thick of litigation, or co-parenting with a high-conflict ex, this episode gives you tools that truly make a difference. About Bill Eddy Bill Eddy is a therapist, lawyer, mediator, and co-founder of the High Conflict Institute. He has authored more than 20 books, including Splitting, BIFF for Co-Parents, and Mediating High Conflict Disputes, and is recognized worldwide as the leading expert on high-conflict personalities and their impact on divorce and family court. He is also one of the most popular and trusted guests in the history of Divorce and Beyond. A Perfect Lead-in to Next Week Be sure to tune in next week when Bill joins me again along with author Matthew A. Tower for a powerful new episode unpacking Matthew's true story of growing up in a high-conflict divorce in Love Wars: Clash of the Parents. It is an unforgettable look at how conflict affects children from the inside. Resources Mentioned • Splitting:Second Edition: Protecting Yourself While Divorcing Someone with Borderline or Narcissistic Personality Disorder by Bill Eddy and Randi Kreger: https://amzn.to/48eSPfu • High Conflict Institute: https://www.highconflictinstitute.com • BIFF for Co-Parent Communication by Bill Eddy: https://amzn.to/4iqZ18X • Mediating High Conflict Disputes  by Bill Eddy: https://amzn.to/4rlQgkD   Make the Most of Your Listening Experience: If this episode resonates with you, be sure to: Subscribe to Divorce & Beyond so you never miss an episode. Share this episode with friends or loved ones who need hope and healing. Leave a 5-star review to help us reach even more listeners. Follow Us Online: Divorce & Beyond:  https://divorceandbeyondpod.com, IG: @divorceandbeyondpod Meet Our Host Susan E. Guthrie®, Esq. is one of the nation's leading family law and mediation experts, with more than 35 years of experience helping individuals and families navigate divorce and conflict with clarity and compassion. She is the Immediate Past Chair of the American Bar Association Section of Dispute Resolution, a best-selling author, and a sought-after speaker, trainer, and practice-building consultant. Susan recently appeared as the featured expert on The Oprah Podcast, where she shared her insights on gray divorce and the changing landscape of relationships. Her expertise has also been featured in The Wall Street Journal, Forbes, The Washington Post, NewsNation, and NBC's Chicago Today, among many others. As the creator and host of the award-winning Divorce & Beyond® Podcast, ranked in the top 1% of all podcasts worldwide with more than 3.4 million downloads, Susan brings together top experts and powerful personal stories to help listeners move through divorce and beyond with confidence, insight, and hope. Learn more about Susan and her work at susaneguthrie.com. Divorce & Beyond is a Top 1% Overall and Top 100 Self-Help podcast designed to help you with all you need to know to navigate your divorce journey and most importantly, to thrive in your beautiful beyond!   ***************************************************************************** A Smarter, Simpler Way to Navigate Your Divorce Looking for a clearer and more affordable way to move through your divorce? Check out Hello Divorce. Their guided online platform combines easy-to-follow tools with real legal and coaching support to help you complete your divorce with less stress, less confusion, and far lower costs than a traditional courtroom battle. They have created a special page just for Divorce & Beyond listeners. Explore your options at hellodivorce.com/susan. ***************************************************************************** Opportunities for Expert Guests and Fellow Podcasters Partner with Divorce & Beyond Whether you're a podcaster looking to expand your reach or an expert ready to share your insights, Divorce & Beyond offers the perfect platform to amplify your voice.  Find out more here: https://divorceandbeyondpod.com/guest-opportunities ***************************************************************************** DISCLAIMER:  THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE.  YOU SHOULD CONTACT AN ATTORNEY IN YOUR STATE TO OBTAIN LEGAL ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM

This week Ivy Slater, host of Her Success Story, chats with her guest,Tara Chalakani. The two talk about the evolution and impact of Preferred Behavioral Health Group, the importance of authentic relationships in nonprofit leadership, and the powerful role of self-care and trauma-informed culture in supporting employees and clients. In this episode, we discuss: How a small local operation launched in 1978 turned into a $39 million organization with 500 team members—by chasing the right grants and growing programs that truly matter to the community. What sets Preferred apart is its culture—rooted in excellence, integrity, and compassion. You can see it in the way staff stick around and in the industry awards they've picked up, like being named one of New Jersey's "Best Places to Work. When conversations about women's leadership, self-care, and trauma-informed workplaces come up, both Tara Chalakani and Ivy Slater share what it really means to lead by example—and why you have to pour from a full cup to do it well. Why nonprofit leadership in mental health matters now more than ever—because the pandemic pushed mental health to the forefront, breaking down stigma and sparking a national conversation about the care people really need. How Tara Chalakani shifts the idea of nonprofits as competitors and instead focuses on working together, showing how collaboration can better serve the shared mission of improving mental health. Dr. Tara Chalakani is a national mental health expert and dynamic leader. As the CEO of Preferred Behavioral Health Group, Dr. Chalakani leads a team of 500 employees providing quality mental health care, substance use treatment, and prevention services to almost 30,000 individuals a year, across New Jersey. In addition, Dr. Chalakani maintains a private psychotherapy practice and is currently an appointed Associate Professor at the Hackensack University School of Medicine, Dept. of Psychiatry and Behavioral Health. She has also taught Psychology and Mental Health Counseling curricula at the undergraduate and graduate level. Dr. Chalakani holds a doctoral degree in psychology with a concentration in behavioral health leadership, a master's degree in mental health counseling, and undergraduate degrees in nursing and psychology. All of her advanced degrees were earned while raising her children and working full-time. Dr. Chalakani is a frequent guest on national and local media outlets, public speaker, and co-host of the Welloff Podcast through iHeart Media. Dr. Chalakani is a regular contributor to Forbes, and the inaugural leader of the Forbes Nonprofit Council Women Executives group. She is most proud of her Puerto Rican heritage and her humble beginnings in Newark, NJ. All of her successes were achieved despite all the odds being stacked against her. For this reason, she is a champion of women, the marginalized, and strives to be a person that offers others a fighting chance at being who they were destined to become. Social Media: Dr. Tara: www.thedrtara.com LinkedIn: https://www.linkedin.com/in/dr-tara-chalakani-943a4721/ Instagram & TikTok: @thedrtara PBHG: www.preferredbehavioral.org All Social Media: @preferredbehavioral Podcast: www.welloffpodcast.com Social: @thewelloffpodcast    

In this inspiring episode of What Are You Made Of?, Mike “C-Roc” sits down with artist, author, and Artpreneur mentor Miriam Schulman, whose life took a dramatic turn after witnessing 9/11. Leaving behind a booming hedge-fund career, Miriam embraced her lifelong creative calling and built a full-time art business that has since been featured in Forbes, The New York Times, Art Journaling, Professional Artist, and even on major TV shows like NBC's Parenthood and Amazon's Hunters. She shares how a teacher's simple encouragement in fourth grade planted the first seed of identity as an artist, how she later debunked the starving-artist myth, and why creativity paired with business skills can lead to true freedom. Miriam opens up about the moment she decided never to return to the Wall Street culture, how 9/11 reshaped her priorities, and how that choice led her to create a thriving art career and her signature Artist Incubator program, where she teaches others how to turn their creativity into a sustainable living. From the psychology of storytelling in art, to finding your signature voice, to building a brand rooted in meaning, this conversation is a powerful reminder that reinvention is always possible—and that owning your story is the first step to transforming your life.Website-http://SchulmanArt.com Social Media Links/Handles-https://www.facebook.com/schulmanart https://www.instagram.com/schulmanart/?hl=enhttps://www.linkedin.com/in/schulmanart

In the episode 274 of the IDEAS+LEADERS Podcast, I'm joined by Anna Tran, strategic PR consultant and co-founder of Level Up With Anna PR. Anna has helped entrepreneurs, experts, and brands land features in Forbes, Entrepreneur, top podcasts, TV segments, and influential niche publications - all through authentic, values-driven storytelling.We talk about what really moves the needle in PR, how to uncover the story angles the media actually cares about, and why long-term credibility matters more than short-term hype.In this conversation, we explore:The biggest misconceptions entrepreneurs have about PRHow to find the parts of your story that journalists and audiences connect withWhy authenticity and values matter now more than everHow to build a brand the media can't ignoreWhat to do after you land a major feature to maximize impactIf you want to grow your visibility strategically, share your message confidently, and build long-term credibility in your industry, this episode is full of practical insights from someone who does PR differently.Connect with Anna here: Anna Tran | LinkedInThank you for joining me on this episode of IDEAS+LEADERS. If you enjoyed this episode, please share, subscribe and review so that more people can enjoy the podcast on Apple https://apple.co/3fKv9IH or Spotify https://sptfy.com/Nrtq.

Serve your clients and stay CMS compliant. That's your priority as an insurance agent. Here at Ritter, we're happy to help! Check out this episode for a refresher on what you can't say during Medicare sales appointments and why. Read the text version  

Joining me is Shay Brown, co‑founder and COO of Bucketlist Bombshells, freedom‑lover and business strategist extraordinaire. We dig into how she's built a purpose‑driven, multi‑6‑figure business without burning out; how she works roughly 25–30 hours a week; and how you can choose the right business model for your season too.Whether you're curious about whether to do a course, a membership or high‑ticket ‘done‑with‑you', this chat is for you.What you'll learn:Why your business model should start with “What does your niche want?” The trap of low‑ticket courses vs the power of high‑ticket offersThe “trash - trim - transfer” framework: how to reclaim time and scale your businessHow to map your energetics + lifestyle to your business modelBoundary setting, rhythms and the beautiful reality of working 25 hours a week on purposeTimestampsIntro 0:00Interview 2:05Wrap-up 41:27ABOUT SHAY:Shay is the Co-Founder and COO of Bucketlist Bombshells, a purpose-driven business coaching company that empowers women to build successful service-based online businesses – specifically in graphic design, branding & website design, digital & content marketing, social media management, public relations, and business operations. Originally from Vancouver Island, Canada, Shay's holistic business coaching style blends her expertise in sales, operations, and financial management with a compassionate focus on mindset development. Over the past 10 years, she has helped grow Bucketlist Bombshells to generate over $6 million in revenue and serve over 10,000 women worldwide, achieving recognition in Forbes, BBC and CNBC. When she's not coaching women inside their business programs Bucketlist Bombshells Launch Camp™, She's Fully Booked® and Scale With Purpose Mastermind™, you can find her co-hosting their top-charting podcast, The Freedom Filled Life™ Podcast, inspiring entrepreneurial women. Shay now enjoys a balanced life with a part-time 4-day workweek, allowing her to travel, pursue her hobbies, and focus on her personal wellness!CONNECT WITH SHAY:Your FREE Dream Client Playbook to consistently land more clients & grow your revenue: https://bucketlistbombshells.com/seriouslyinbusinessGet booked out in your business and start generating $5k+ months: https://bucketlistbombshells.com/shesfullybookedHit 6 figures and ready to scale? Join our small group coaching program: https://bucketlistbombshells.com/mastermindTune into the Freedom Filled Life Podcast: https://bucketlistbombshells.com/podcast/Connect with Shay directly in the DMs here: https://www.instagram.com/bucketlistbombshells/Watch on YouTube: https://youtu.be/DxQeWzmH_nQRead on the Blog: https://whitedeer.com.au/ep242/WORK WITH JACQUI:// DIY Design My Biz: The best course for business owners DIYing their own brand and graphics in Canva. Learn more: https://whitedeer.com.au/diy-dmb// The Co+Creation Design Club: Design WITH the help of a professional designer in this high-touch coaching space: https://whitedeer.com.au/designclub// Design Studio: If you're after fully done-for-you design services my studio team can help! https://whitedeer.com.au/designstudio

Dr. Eliot explains how AI self-driving cars can actively aid passengers in being able to sleep comfortably during driving journeys. See his Forbes column for further info: https://www.forbes.com/sites/lanceeliot/

Ferenc shares how he can help you increase your index returns 2-10X annually on your index annuity or index universal life policy while eliminating downside market risk.   Nvidia CEO, Jensen Huang, recently stated, "The whole world would've fallen apart" if Nvidia missed earnings expectations. The world economy dependent on one company is not a good thing.   The US State Department has warned that mass migration poses an "existential threat" to Western civilization.   HUD Secretary Scott Turner states mass deportations would have an immediate positive impact on the housing crisis in America.   Only 30% of 2025 graduates and 41% of 2024 graduates have found entry-level jobs in their fields, per Forbes. Why are we still importing over one million foreign workers annually?

Neste episódio do Vamos de Vendas, exploramos o que significa construir uma carreira com propósito, visão de longo prazo e verdadeiro impacto dentro de uma única organização. Recebemos Herminio Gastaldi, Diretor de Mercado da Senior Sistemas, que compartilha aprendizados de uma jornada de 25 anos liderando a evolução comercial de uma das maiores empresas de tecnologia do Brasil.A conversa mergulha nas transformações do mercado de trabalho, na alta rotatividade em vendas e no que ainda torna possível manter talentos por décadas quando existe liderança com legado. Herminio revela os fatores que o fizeram recusar propostas e continuar na mesma empresa por tanto tempo, e como a construção de times sólidos passa por cultura, rituais e desenvolvimento humano, e não apenas por metas de curto prazo.Discutimos ainda como os líderes de hoje podem recrutar, formar e reter talentos num ambiente onde tudo parece efêmero. Herminio compartilha os critérios que mais pesam na hora de contratar e como ele enxerga a diferença entre ambição saudável e carreiras com “pinga-pinga” de empresas.O episódio também aborda o papel das lideranças que inspiram, os aprendizados com os erros e até casos em que a saída de um colaborador foi a melhor decisão para sua evolução profissional. Ao final, Hermínio traz tendências em tecnologia de RH e inteligência de dados para apoiar líderes comerciais em decisões mais humanas e estratégicas.Uma verdadeira aula de consistência, visão sistêmica e legado na liderança comercial.

Dr. Eliot explains how AI can perform routine legal work. See his Forbes column for further info: https://www.forbes.com/sites/lanceeliot/

In today's episode of Resonance, Michael delivers a powerful reminder: who you are being shapes every relationship, opportunity, and experience in your life. We live in a culture obsessed with doing and having—more success, more status, more external markers of worth. But none of it matters if our state of being isn't aligned with the life we're trying to create.Michael shares how his own initiatory process has required shedding old patterns, confronting shadows, and embodying a deeper level of grounded, conscious presence—one capable of holding the vision he has for his next chapter, his work, and future partnership.You'll learn why the world reflects your internal state, how to identify when your external results are mismatched with who you want to become, and what it looks like to act “as if” you are already the version of yourself capable of receiving what you desire.This is an invitation to step into the person your future is calling forward—today. Michael Trainer has spent 30 years learning from Nobel laureates, neuroscientists, and wisdom keepers worldwide. He's the author of RESONANCE: The Art and Science of Human Connection (March 31, 2026), co-creator of Global Citizen and the Global Citizen Festival, and host of the RESONANCE podcast.Featured in Forbes, Inc, Good Morning America. Follow on YouTube

Travie and Jay Alders discuss Jay's journey into fine art, working with top-tier musicians, and how taking the road less travelled made all the difference.Travie also gives an update into his personal experience at VCR Group restaurants, including Flyfish Club, Little Maven, and Capon's Chophouse.From jayalders.com:Jay Alders is a globally acclaimed American fine artist, celebrated for his unique visionary style that bends reality and distorts proportions. His surreal compositions feature elongated figures, symbolic imagery, and powerful ocean waves, all infused with a soulful and emotional depth that resonates deeply with viewers.Alders's mastery of bold and meticulous brushwork, combined with vibrant hues, creates immersive canvases that harmonize human emotions with the natural realm. Drawing inspiration from his coastal lifestyle, his work captures the essence of the ocean and the spirit of humanity in a way that is both novel and profoundly moving.His extraordinary talent has garnered features in prestigious outlets such as Forbes, NBC, FOX, CBS, FIOS TV, and even in the heart of Times Square. Alders's influence extends beyond traditional galleries, with his art showcased at The Philadelphia Museum of Art and in galleries around the world.A testament to his versatility and enduring impact in the art world, Alders has created album covers and gig posters for renowned musicians, including bands like Slightly Stoopid. His collaborations with rock stars, cultural icons, and major brands underscore his role as a trailblazer in contemporary art.https://jayalders.com/?srsltid=AfmBOorLXTraF_KDkfQRN_KHUxsxKWGAVoWK8mwgVmrrOQkH4NlBkYLJListen to Jay's Shifting Perceptions Podcasthttps://jayalders.com/shifting-perceptions-podcast?srsltid=AfmBOooHfTufmIOFIxZzDLolZv9udeLESO-SzAFTyXrNZZMCZmq_QB7Shttps://vcrgroup.com/https://www.flyfishclub.com/Music: FIRED UP by IAMNAXhttps://www.iamnax.xyz/Voiceovers: G.Love, Yesod Williams (Pepper), Nessy the Rilla, David (Da Vida), Spottie WiFi

Joyce Marter is an internationally recognized psychotherapist, speaker, and author who helps individuals and organizations elevate mental health, leadership, and financial well-being. With over 25 years of experience, she has partnered with Fortune 500 companies, universities, and global associations. Joyce is the author of The Financial Mindset Fix: A Mental Fitness Program for an Abundant Life and a trusted expert featured in Forbes, Psychology Today, and numerous media outlets. Known as America's Workplace Therapist, Joyce empowers professionals to strengthen emotional resilience, improve financial mindset, and thrive with balance and authenticity.SHOW SUMMARYIn this episode of the Selling from the Heart Podcast, Larry Levine and Darrell Amy are joined by Joyce Marter—psychotherapist, speaker, and bestselling author. Joyce shares powerful insights on the essential connection between mental health and sales performance. She explains how mindfulness, emotional awareness, resilience, and detachment from outcomes can help sales professionals reduce stress and prevent burnout. Joyce also highlights the importance of self-worth, compassion, and developing a healthy financial mindset. This heart-centered conversation offers practical tools for personal well-being, leadership effectiveness, and long-term sales success.KEY TAKEAWAYSMindset is Sales Health: Your mental health is directly linked to your sales performance—prioritizing your mind is prioritizing your results.Cultivate Resilience: Implement mindfulness practices (e.g., meditation, journaling, intentional routines) to systematically build emotional resilience and reduce stress.Practice Detachment: Learn to detach from specific outcomes and financial stress to maintain self-worth and emotional stability, especially during tough cycles.Strength in Seeking Help: Seeking therapy or counseling is a proactive sign of strength, demonstrating a commitment to personal and professional growth.Empathy-Driven Leadership: Sales leaders must prioritize their own self-care and support their teams with empathy, compassion, and a growth mindset.HIGHLIGHT QUOTESSelling from the heart is when we align our unique gifts and talents with a need in the world to the greatest extent possible.If we don't know ourselves, we need to have some of those mindfulness practices to search within.Detachment is a mindfulness practice that allows us to surf the waves of change without gripping. We are observing, not absorbing.It's okay to talk to somebody. This isn't a sign of weakness. It's actually the opposite.

In this liminal moment between Ubud and Uluwatu, Michael Trainer reflects on a profound series of downloads:a Thanksgiving future-self meditation, a deep Vedic astrology reading, a life chapter of karmic stripping-away, and the sudden, crystalline vision of his next book about initiation.Speaking from the jungle, on the eve of his movement to the cliffs and horizon line, Michael explores:Initiation as a life path — the lived rites of passage, dissolutions, and sacred encounters that have shaped himThe emergence of Book Two — a non-traditional memoir weaving the magic, the teachings, and the soul-level story of becomingKarmic fires and pruning — leaving homes, releasing illusions, and discovering the true gardens where his seed is meant to growAstro-cartography and destiny — how place, soil, and timing shape flourishingThe call to root — recognizing that partnership, family, and deeper embodiment require a home baseMen's work and purpose — the rising need for rites of passage, belonging, and grounded masculine presenceThe spirit of Bali — gratitude for the ceremonies, ancestors, and guardians of this land during a powerful 10-day windowThis episode is a transmission from the threshold—a moment of honoring the insight, metabolizing the lessons, and preparing for the next life chapter. It's a message about becoming the vessel that can hold the vision you are meant to birth.If you're standing at a crossroads, shedding old skins, or seeking the garden where you are meant to flourish, this one will resonate. Michael Trainer has spent 30 years learning from Nobel laureates, neuroscientists, and wisdom keepers worldwide. He's the author of RESONANCE: The Art and Science of Human Connection (March 31, 2026), co-creator of Global Citizen and the Global Citizen Festival, and host of the RESONANCE podcast.Featured in Forbes, Inc, Good Morning America. Follow on YouTube

In this Live Greatly 2 minutes of motivation podcast episode Kristel Bauer shares 3 ways to incorporate more gratitude into your life.  Tune in now! Explore Having Kristel Bauer speak at your next event or team meeting. https://www.livegreatly.co/contact  Order Kristel's Book  Work-Life Tango: Finding Happiness, Harmony and Peak Performance Wherever You Work (John Murray Business, November 19th 2024) About the Host of the Live Greatly podcast, Kristel Bauer: Kristel Bauer is a corporate wellness and performance expert, keynote speaker and TEDx speaker supporting organizations and individuals on their journeys for more happiness and success. She is the author of Work-Life Tango: Finding Happiness, Harmony, and Peak Performance Wherever You Work (John Murray Business November 19, 2024). With Kristel's healthcare background, she provides data driven actionable strategies to leverage happiness and high-power habits to drive growth mindsets, peak performance, profitability, well-being and a culture of excellence. Kristel's keynotes provide insights to "Live Greatly" while promoting leadership development and team building.   Kristel is the creator and host of her global top self-improvement podcast, Live Greatly. She is a contributing writer for Entrepreneur, and she is an influencer in the business and wellness space having been recognized as a Top 10 Social Media Influencer of 2021 in Forbes. As an Integrative Medicine Fellow & Physician Assistant having practiced clinically in Integrative Psychiatry, Kristel has a unique perspective into attaining a mindset for more happiness and success. Kristel has presented to groups from the American Gas Association, Bank of America, bp, Commercial Metals Company, General Mills, Northwestern University, Santander Bank and many more. Kristel has been featured in Forbes, Forest & Bluff Magazine, Authority Magazine & Podcast Magazine and she has appeared on ABC 7 Chicago, WGN Daytime Chicago, Fox 4's WDAF-TV's Great Day KC, and Ticker News. Kristel lives in the Fort Lauderdale, Florida area and she can be booked for speaking engagements worldwide. To Book Kristel as a speaker for your next event, click here. Website: www.livegreatly.co  Buy Kristel Bauer's book, Work-Life Tango: Finding Happiness, Harmony and Peak Performance Wherever You Work (John Murray Business, November 19th 2024) Follow Kristel Bauer on: Instagram: @livegreatly_co  LinkedIn: Kristel Bauer Twitter: @livegreatly_co Facebook: @livegreatly.co Youtube: Live Greatly, Kristel Bauer To Watch Kristel Bauer's TEDx talk of Redefining Work/Life Balance in a COVID-19 World click here. Click HERE to check out Kristel's corporate wellness and leadership blog Click HERE to check out Kristel's Travel and Wellness Blog Disclaimer: The contents of this podcast are intended for informational and educational purposes only. Always seek the guidance of your physician for any recommendations specific to you or for any questions regarding your specific health, your sleep patterns changes to diet and exercise, or any medical conditions.  Always consult your physician before starting any supplements or new lifestyle programs. All information, views and statements shared on the Live Greatly podcast are purely the opinions of the authors, and are not medical advice or treatment recommendations.  They have not been evaluated by the food and drug administration.  Opinions of guests are their own and Kristel Bauer & this podcast does not endorse or accept responsibility for statements made by guests.  Neither Kristel Bauer nor this podcast takes responsibility for possible health consequences of a person or persons following the information in this educational content.  Always consult your physician for recommendations specific to you.

On this lovely ep, we're joined by musician and artist Nick Thorburn (insta: @nickfromislands) to discuss such hard-hitting topics as the best/worst movie dogs, the Forbes 30 Under 30 spam email list, innovations in reed technology, the zen of making art, film school, Cine2Nerdle, and more! Go to https://tinyurl.com/f4ywnnep to get tickets for the SELAH Shoulder to Shoulder benefit concert on December 8th to see Brian, Nick, Tim Heidecker, Neil Hamburger, Cold War Kids, Jamie Loftus, and many many more awesome folks!Do you hate ads but love this show? Do you want an incredible deal on access to our entire 5 year backlog of video and ad-free episodes for TWO DOLLARS A MONTH? Then check out our Patreon and support the show at patreon.com/leightonnight! Kick us $5 a month and you even get a MINISODE every week, too. AND access to the fan discord, which is cool and fun. It's a steal. We literally shouldn't be doing this. Follow us on Twitter at @leightonnight and on Instagram/TikTok at @leighton_night. You can find Brian on Twitter/Instagram at @bwecht, and Leighton at @buttchamps (Instagram). Hosted on Acast. See acast.com/privacy for more information.

News is broken — but is the problem the content, or the design?Jack Brewster, former Forbes journalist and founder of Newsreel, joins host Khudania Ajay (KAJ) to explore how technology, attention, and trust are reshaping the way we consume news. From TikTok to traditional outlets, discover how journalism can be rebuilt for a generation that scrolls faster than ever.In this conversation, we cover:Why traditional news is losing audience attentionHow trust and transparency are becoming the currency of journalismThe role of TikTok, YouTube, and algorithms in shaping public informationInnovative approaches to redesigning news for the modern ageIf media is the nervous system of society, what happens when it fails — and how can it be fixed?▶ Watch to understand the future of journalism and why saving the news matters for democracy.

In this Thanksgiving reflection, Michael invites you into the liminal space—the quiet between the notes where meaning, magic, and clarity live.Drawing on a powerful future-self meditation and a week-long vision fast on California's Lost Coast, he shares how deep listening changes the way we perceive the world—and ourselves. From native traditions of fasting for vision to the way nature sharpens our senses when we strip away noise, Michael explores how true gratitude arises when we become receptive rather than directive.You'll hear:Why gratitude is more than a practice—it's a signal-clearingHow the “space between the notes” (Debussy/Miles Davis) reveals the essence of lifeWhat a future-self meditation can teach us about legacyHow nature attunes the nervous system to clarityThe magic that arrives when we enter the world with reverence and listeningWhy real wealth is time, health, sunlight, breath, and presenceFrom Ubud's morning rain to bathing in the Lost Coast waterfalls, Michael recounts the moments where the world speaks—if we are quiet enough to listen.On this day of thanks, this episode is an invitation to:Put your feet on the earthLet your breath slowListen for what your life is asking of youAnd remember that gratitude is the root of a life well-livedSending you presence, warmth, and deep gratitude.Happy Thanksgiving. Michael Trainer has spent 30 years learning from Nobel laureates, neuroscientists, and wisdom keepers worldwide. He's the author of RESONANCE: The Art and Science of Human Connection (March 31, 2026), co-creator of Global Citizen and the Global Citizen Festival, and host of the RESONANCE podcast.Featured in Forbes, Inc, Good Morning America. Follow on YouTube