Podcasts about Gusto

Jeff Rose shares 8 need-to-know secrets that your broker won't tell you Episode 1734: 8 Secrets Your Broker Won't Tell You (and Why You Need to Know Them) by Jeff Rose of Good Financial Cents Jeff Rose, CFP® is a Certified Financial Planner™, founder of Good Financial Cents, and author of the personal finance book Soldier of Finance. Jeff is an Iraqi combat veteran and served 9 years in the Army National Guard. His work is regularly featured in Forbes, Business Insider, Inc.com and Entrepreneur. The original post is located here: https://www.goodfinancialcents.com/what-your-broker-financial-advisor-wont-tell-you/  Gusto is an easy, online payroll and benefits service built for modern small businesses — one place to pay and take care of your hardworking team. Get three months free when you run your first payroll by visiting Gusto.com/ofd  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Connect w/ Amanda on Instagram: @xoamandakbSupport the show (https://www.patreon.com/outwhatnowpodcast)

Mr. 1500 of 1500 Days tells us the reason he owns a home instead of renting Episode 1731: This Is Why I Own a Home by Mr. 1500 with Budgets Are Sexy on Benefits of Home Ownership vs. Renting Mr. 1500 is a family guy living in Colorado with his wife and two young children. He studied biology and chemistry in college, but somehow turned into a software developer. In 2013 at the age of 39, he set a goal to build a portfolio of $1,000,000 by February 2017 - 1500 days later. He surpassed his goal and has tracked his financial journey online ever since. The original post is located here: https://www.budgetsaresexy.com/this-is-why-i-own-a-home/  Gusto is an easy, online payroll and benefits service built for modern small businesses — one place to pay and take care of your hardworking team. Get three months free when you run your first payroll by visiting Gusto.com/ofd  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Today’s guest has built a $100M dollar company but it didn’t happen overnight. I want to find out how he he got here. Oscar Hoglund is the founder of Epidemic Sound, which provides Premium Music for content creators. Oscar Hoglund is the founder of Epidemic Sound, which provides Premium Music for content creators. Sponsored byGusto – Gusto’s people platform helps businesses like yours onboard, pay, insure, and support your hardworking team. Payroll, benefits, and more. Their customizable onboarding checklists were built to keep you organized. Gusto offers employee benefits made to fit your budget. If you’re not sure where to start, Gusto’s licensed advisors can help you choose the right health benefits for your team. HostGator – Ready to take your website to the next level? Whether you're a first-time blogger or an experienced web pro, HostGator has all the tools you need to create a great-looking website or online store. A wide range of options includes cloud-based web hosting, reseller hosting, VPS hosting and dedicated servers. Founded in 2002, HostGator is the perfect web partner for business owners and individuals seeking hands-on support. Visit www.hostgator.com/mixergy to see what HostGator can do for your website. More interviews -> https://mixergy.com/moreint Rate this interview -> https://mixergy.com/rateint

About This Episode: Each week on Thursday thoughts, we look into my thoughts on relevant issues that week. This week we're discussing…. What I Learned from Kelley Earnhardt-Miller What We Can Learn from Maintaining NASCAR Sponsorships Finding out what people REALLY need Paying back your parents Wrapping Up Where You're Stuck   Learn more about this episode: Interview with Kelley Earnhardt-Miller - https://www.jeremyryanslate.com/937 Check out our YouTube Channel: Jeremyryanslatebiz See the Show Notes: www.jeremyryanslate.com/938 Sponsors: Gusto: This episode is sponsored by Gusto. Run your payroll the easy way, the same way we do at Command Your Brand. You'll get a. $100 Amazon Gift Card just for running your first payroll! http://www.jeremyryanslate.com/gusto MyPillow: Use the promo code: CYOL to get up to 60% off https://www.mypillow.com/ Audible: Get a free 30 day free trial and 1 free audiobook from thousands of available books. Right now I'm reading "In Trump Time" by Peter Navarro www.jeremyryanslate.com/book  

Chris of Keep Thrifty gives you powerful lessons to learn before you retire Episode 1727: Before You Retire - Powerful Lessons from Mini Retirement by Chris of Keep Thrifty on Securing Your Own Retirement Chris and Jaime live in the suburbs of Madison, WI with their three daughters. While living the typical suburban life, they are challenging the norms by living outside the box and creating the freedom they desire. At Keep Thrifty, they share their journey and bring you inspiration and tools to help you create your freedom. They've got articles and success stories to help inspire you to think differently about your dreams and your finances. They've also created a money tracking app to help you take control of your finances and make those dreams a reality. The original post is located here: https://www.keepthrifty.com/before-you-retire-lessons-from-mini-retirement/  Gusto is an easy, online payroll and benefits service built for modern small businesses — one place to pay and take care of your hardworking team. Get three months free when you run your first payroll by visiting Gusto.com/ofd  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

El economista y profesor de la Universidad Maryland sostuvo “en el segundo mandato de la presidenta Bachelet se puso en cuestionamiento la necesidad de crecer y no hay ningún país en el mundo que se podía dar ese lujo y Chile se lo dio”.

About This Episode: Kelley Earnhardt Miller is part owner and general manager of JR Motorsports and is considered one of the most prominent businesswomen in NASCAR today. She oversees the company's race team, management team, and business ventures for her brother, Dale Earnhardt Jr. The daughter of seven-time NASCAR champion Dale Earnhardt, Earnhardt Miller graduated from the University of North Carolina at Charlotte with a BA in business administration. A multiple-award recipient, she was named in 2015 as one of Sports Business Journal's Game Changers/Women in Sports Business for her impact on the motor sports industry. Kelley is married to L.W. Miller and is mom to Karsyn, Kennedy, and Wyatt. Find out more about Kelley at: Facebook - https://www.facebook.com/KelleyEarnhardt/ Instagram - https://www.instagram.com/kelleyearnhardtmiller/ Twitter - https://twitter.com/EarnhardtKelley Drive: 9 Lessons to Win in Business and in Life - https://www.amazon.com/Drive-Lessons-Win-Business-Life/dp/0785229302/ref=tmm_hrd_swatch_0?_encoding=UTF8&qid=1588282961&sr=8-1 Check out our YouTube Channel: Jeremyryanslatebiz Make Extraordinary a reality: jeremyryanslate.com/extraordinary See the Show Notes: www.jeremyryanslate.com/937 Sponsors: Gusto: This episode is sponsored by Gusto. Run your payroll the easy way, the same way we do at Command Your Brand. You'll get a. $100 Amazon Gift Card just for running your first payroll! http://www.jeremyryanslate.com/gusto MyPillow: Use the promo code: CYOL to get up to 60% off https://www.mypillow.com/ Audible: Get a free 30 day free trial and 1 free audiobook from thousands of available books. Right now I'm reading "In Trump Time" by Peter Navarro www.jeremyryanslate.com/book  

Leo Babauta of Zen Habits shares 6 steps to have healthy finances in your relationship. Episode 1722: 6 Key Steps to Healthy Finances in Your Relationship by Leo Babauta of Zen Habits Leo Babauta created Zen Habits, which is about finding simplicity and mindfulness in the daily chaos of our lives. It's about clearing the clutter so we can focus on what's important, create something amazing, find happiness. The original post is located here: https://zenhabits.net/six-steps-to-healthy-finances-in-your-relationship Gusto is an easy, online payroll and benefits service built for modern small businesses — one place to pay and take care of your hardworking team. Get three months free when you run your first payroll by visiting Gusto.com/ofd  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

About This Episode: Each week on Thursday thoughts, we look into my thoughts on relevant issues that week. This week we're discussing…. What I Learned from Duff Gibson Responsibility for Thankfulness Learn more about this episode: Interview with Duff Gibson - https://www.jeremyryanslate.com/935 Check out our YouTube Channel: Jeremyryanslatebiz Make Extraordinary a reality: jeremyryanslate.com/extraordinary See the Show Notes: www.jeremyryanslate.com/936 Sponsors: Gusto: This episode is sponsored by Gusto. Run your payroll the easy way, the same way we do at Command Your Brand. You'll get a. $100 Amazon Gift Card just for running your first payroll! http://www.jeremyryanslate.com/gusto MyPillow: Use the promo code: CYOL to get up to 60% off https://www.mypillow.com/ Audible: Get a free 30 day free trial and 1 free audiobook from thousands of available books. Right now I'm reading "In Trump Time" by Peter Navarro www.jeremyryanslate.com/book  

Do you know how using AI and data-driven algorithms could help you save money on inefficient positioning? Anne Cheng is an entrepreneur that started her business with an idea in mind: what if she could get inside the heads of people and understand what information they required to make decisions? Supercharge Lab is a cognitive artificial intelligence company that uses AI and data to try to understand what goes on inside customers' heads, or rather listen to the voice in their head. In this episode, Anne sat down with Jason to explain how this AI technology works, why business owners should embrace that it is the future and use this innovation to their benefit, and how agency owners could use it to create specific targeting and sales and marketing content that resonates with its audiences and find their sweet spot in the market. 3 Golden Nuggets Getting inside people's heads. How can we really understand what goes on inside someone's head? Anne explains that what really gives us away is how we write, instead of what we write. The tones, the structure, the number of emojis, and the type of words we use are giveaways that offer a glimpse into things like our emotional state, personality style, social styles of interaction, and conflict management. Her company uses this data to build algorithms that help them put people in categories of psychological profiles or cognitive styles. “After we applied it to sales and marketing, we've seen a significant lift in our customer ROI,” she says. How the industry will change. Will AI replace what agencies are doing for clients? This technology is becoming quickly democratized. A few years ago artificial intelligence was all about building training models and putting in huge massive slices of data. Today it costs $16 and 39 cents to run a learning model. It can be really quick and easy to train a model with a high level of accuracy. Is the technology strong enough to completely replace a human? “I think not at this point,” Anne told us. There is still a long way to go before that, but it is the future. For now, it's all about not wasting money on inefficient positioning. “Data-driven algorithms are not the enemy,” she adds. Advantages for agencies. We should always use new technologies and innovations to our benefit, and to benefit our clients. We all know that agency owners struggle with their own marketing and have a hard time treating themselves like their own clients. Anne believes this struggle comes from not really knowing where your sweet spot is and that using these technologies could help you experiment. Using algorithms can help you determine the accuracy of your targeting. For example, if you would like to go after medium-sized businesses with revenues between 10 to 50 million, you can test your response rates. Algorithms are great ways to experiment. It's cheap, it's fast, and you're not wasting time. Sponsors and Resources Gusto: Today's episode is sponsored by Gusto, an all-in-one people platform for payroll, benefits, HR where you can unify your data. Gusto automatically applies your payroll taxes and directly deposits your team's paychecks, freeing you up to work on your business. Head over to gusto.com/agency to enjoy an exclusive offer for podcast listeners. Subscribe Apple | Spotify | iHeart Radio | Stitcher | Radio FM Stop Wasting Resources and Use Data-Driven Algorithms to Find Your Sweet Spot in The Market Jason: [00:00:00] What's up, agency owners? Jason Swenk here, and we've got another great episode coming to you. And we're going to talk around AI and what you can do with really kind of targeting the right audience, as well as having the AI tool, write the copy for you to convert faster. So I'm excited to get into this episode. Uh, so let's jump in. Hey, Anne. Welcome to the show. Anne: [00:00:31] Thanks for having me, Jason. Jason: [00:00:32] Yeah. So tell us who you are and what do you guys do? Anne: [00:00:36] Well, my name is Anne and I'm the founder and CEO of Supercharge Lab. Supercharge Lab is a cognitive artificial intelligence company, which means we take AI and a lot of data and we attempt to understand what goes on inside your head, or rather listen to the voice in your head. And we do that for the purpose of applying it to sales and marketing. We try to improve the ROI as far as our clients. And so far it's been quite a ride. Jason: [00:01:04] Cool. And so how did you… how'd you, how'd you all come up with developing this? Anne: [00:01:11] Well, I guess it started with the idea that we said, what if we could get inside the heads of people and understand what information they required to make decisions? Uh, and that way we could make decision-making more predictable, uh, less noise and biased. And, well, improve results across all kinds of positions that are being made. Whether it's medical decisions or diagnosis, whether it's sales and marketing, uh, purchase behavior. Um, so, well we decided to try to figure out how people, what information people take in, in order to make decisions. And we came up with an algorithm that profiles, the information, uh, that people take in the site, the cognitive style of people, what we call or the psychological profile. And, uh, well the rest is history. After we applied it to sales and marketing, we've seen significant lift in our customer ROI. Um, we have had customers who literally renew their campaigns with us so often that they tell us they cannot see a day without, uh, using our solution. Jason: [00:02:20] Awesome. And tell us kind of, how does… How did you guys really kind of write the algorithm in order to get inside our heads? I mean, how does all that work? That's always fascinating. Anne: [00:02:34] So I think that's a great question, Jason. So a lot of people look at what we write because when we, when we write, um, whenever we write the contents of what we write is driven by who audiences is what we want to say. Uh, but a lot of people fail to realize that what, what really gives us away is how we write. The tones, the structure, the number of emojis or bullet points, or the kind of words that we use. That actually is the voice inside our head. That's the tone of the voice inside our head to tell gifts, clues into things like, you know, your emotional state, your, your personality style, your social styles of interaction. Or even your style of conflict management. Um, by understanding how it be right to be basically we're able to take these language models, parse it into an algorithm. And well, uh, we have been able to put everybody in some categories of psychological profiles or what we call cognitive styles, um, and hopefully using rules based and data-driven, uh, algorithms, were able to cut out a lot of the noise that actually, you know, gifts written comes from manual advertising and marketing. Jason: [00:03:57] I feel, I feel dirty. You're profiling me. Anne: [00:04:02] No, I don't do that. Jason: [00:04:04] Um, so. How would someone… As an agency, you know, they, and I'm talking more about not for their clients, but really for themselves, right? So we just got done as we're recording this, this week, our digital agency experience, where we have, you know, 28 of the best agency owners come out, um, to my house in Colorado, when we brainstorm on strategies and what's working. And the common theme, and this is among most digital agency owners. And if… If, uh, if you don't admit this you're supporting terrorism. But we, they struggle with doing their own marketing and creating themselves as their own clients. Um, and a lot of them struggle with just identifying who their audience… Cause they try to go after everybody. So how could, you know, AI really helped them out in order to reach more of the audience? Because they may not know who they're targeting yet. Anne: [00:05:08] Yeah. So I think one of the biggest struggles as a… well a marketing organization is actually understanding where your sweet spot is. And, uh, you know, using algorithms, you can actually do a lot of experimentation. Uh, one of the biggest things that, um, AI does, is that it gives you a score of how much you are able to resonate, how accurate, you know, your targeting is. So if, for example, you think you would like to go after, you know, a medium-sized business with revenues between 10 to 50 million, and you don't really know whether this is really the sweet spot for you. You can actually test, um, the, the targeting and you can test things like, you know, what we call your, your outbound messages as well as your response rates. And if you see that your response rates are lower than another particular industry, you know…  It's possibly time to change and don't throw good money after, you know, a bad result all the time. And so that's what Einstein says is stupidity, you know, expecting a different result by doing the same thing, all, all the time is insanity. So what I would do is use algorithms, use artificial intelligence, or what may be called big data, uh, to understand what your audience is and test the vigor at which they will respond. Now, I've done that a lot with myself, with my own audience. Um, and I've noticed that, you know, we try to grow, uh, our customers by, you know, going after bigger companies. Well, it doesn't work. Um, we, we realized that we were not getting any conversions. We were not getting any customers inquiring. So we said, you know, maybe we should go back to, uh, the smaller businesses. And at the same time, we change up the different industry. So algorithms are great ways to experiment and it's cheap. It's fast. It, it takes me three days to identify whether, you know, this is the right market. You're not wasting time. So yeah. Jason: [00:07:28] Taking care of your employees has never been more important than right now. And while paydays are great, running payroll is a major pain, calculating taxes, deductions, compliance. None of it's easy. Unless of course, you have Gusto. Gusto is a simple online payroll and benefits built for your small business. Gusto automatically applies your payroll taxes and directly deposits your team's paychecks, freeing you up to work on your business. Plus, with Gustos help, you can offer benefits like 401k's health insurance, workers' comp, and a lot more. And because you're a smart agency masterclass listener, you're going to get three months free once you run your first payroll. Go to gusto.com/agency. That's gusto.com/agency for three free months. Very cool. So will AI… Will AI replace what agencies are doing for clients? Like I look at it as, and I've been telling agencies like this for a long time. And if you think about kind of the car industry, you know, many, you know, many, a hundred years ago, I guess, you know, the car industry created dealers or the manufacturer created dealers, and they were the middlemen selling to the public because you can't go to the dealer. Um, and forever, it was that way. And then, you know, Tesla came out and you, you don't go through a dealer… You buy it right from the manufacturer. And I kind of see a lot of this starting to happen with agencies that are just doing a particular service where, you know, Facebook and Google would always promote agencies. But I kind of see them starting to kind of pull back from agencies a little bit because now people can go directly to them and not use the middlemen. Anne: [00:09:33] Yeah, for sure. I think, uh, one of the things about technology is that is becoming very quickly democratized. Artificial intelligence just a few years ago, was all about, you know, building training models, you know, putting in a lot of data, huge massive slices of data. Today it costs me $16 and 39 cents to run a learning model. Uh, it takes maybe about an hour to, to train a model. And you know, it, it can be really, really quick and easy, um, with a high level of accuracy to train a, uh, artificial intelligence model. Is, um, the technology strong enough to completely replace a human? I think not at this point. I think that is still a way to go, uh, where, you know, copy is not going to sound like it's artificially written. Uh, so that's, that's something which I think is going to, uh, have to develop a little bit more. But to understand your audience, to predict the audience with a level of, um, certainty, it's starting to become quite democratized. So I think, yes, logic-based artificial intelligence is going to upend the advertising industry. But that being said, artificial intelligence to going to upend almost every industry, if you let it. Jason: [00:11:01] Yeah, yeah. Well, it's, you know… That's what innovation is. It should always challenge the status quo and make us better. And you know, the one thing I always tell agencies is use the new technology, the new innovations to your benefit, and to benefit your clients, you know, going forward. Um, this has all been great, Anne. Is there anything I didn't ask you that you think would benefit the audience? Anne: [00:11:24] Yeah, I think, you know, the biggest question that we have as marketing organizations is how can we use that wastage? Um, today up to 26% of ad spend… It's wasted on inefficient, uh, positioning and efficient messaging. And I think a lot of us have to try to learn that, you know, data-driven algorithms and rules-based algorithms can… are not the enemy. Our enemy is embracing… um, the, the innovation that is coming. So I think our enemy is truly ourselves. If we get over ourselves, we can definitely grow the business, um, in a massive, in a major way. Jason: [00:12:09] Awesome. What's the website people can go and check you guys out? Anne: [00:12:14] Well, it's superchargedlab.com. Remember as supercharged lab without an S at the end dot com. Jason: [00:12:20] Awesome. Well, thanks so much for coming on the show, Anne. You did great lots of great insights. And if you guys enjoyed this episode, make sure you guys subscribe, make sure you comment. And if you guys want to be around the best agency owners out there and really tap into their heads, because maybe you haven't tapped into the AI yet, um, I want to invite all of you to go to digitalagencyelite.com and apply. And, uh, if we feel that you're right and the group's right for you, we'll have a chat and… So good at digitalagencyelite.com. And until next time, have a Swenk day.

On today's show we are talking all about building communities to support and nurture our audience, whether that be followers, fans, clients, prospects, members, etc. Through fostering community engagement, we can help strengthen and grow our brand.We are joined by Tracie Root, the founder of the Gather Community to discuss  the importance of community and how to build your own based around your business, whether to be used as a vehicle to promote your brand or as a revenue stream.SHOW NOTES:Contact or Follow Tracie Root and the Gather Community: Website - Facebook - Instagram - Linkedin - Clubhouse - Freebies and other links.  For more information, see the complete show notes here https://www.getthebalanceright.net/blog/episode72CONTACT HEATHER:Contact Heather: Instagram - LinkedInGet the Balance Right Coaching: WebsiteBook a Discovery Call (via Zoom) - Click HereHeather & Get the Balance Right - Link TreeZeitzwolfe Accounting: Website  - FacebookHey Female Entrepreneurs! Let's party! Join me each month

ESI of ESI Money tells you how to get an 8% investment return Episode 1719: How Can I Get an 8% Investment Return by ESI of ESI Money on Long-Term Expected Investing Returns ESI Money is written by "ESI", a 50-something retiree. The site is basically a list of what's allowed him to become financially independent and how you can implement those successes in your life. His philosophy is simple and focuses on doing three simple things to achieve financial independence: earn, save, invest. There's a bit more to it than that, of course, but if you can concentrate on these three areas, they will get you at least 90% of the way there. The original post is located here: https://esimoney.com/can-get-8-investment-return/  Gusto is an easy, online payroll and benefits service built for modern small businesses — one place to pay and take care of your hardworking team. Get three months free when you run your first payroll by visiting Gusto.com/ofd  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

About This Episode: At 39, Duff Gibson became the oldest Canadian gold medalist in the history of the Winter Olympics when he became champion at the Men's Skeleton event at the 2006 Games, as well as becoming the oldest individual gold medalist ever in the Winter Games. He also holds the distinction of being Canada's only gold medalist in the sport. Sport was an important part of his youth, and he dabbled in ice hockey and wrestling before settling on rowing while attending the University of Western Ontario and Speed Skating at the University of Calgary. He later pursued bobsled and luge and only took up skeleton at the age of 33 and began professional competition in 2000. Although he won bronze at the 2002 World Cup, he placed 10th at the competition at the 2002 Winter Olympics. Between this and the 2006 Olympics, Gibson improved, placing second in the 2003-2004 World Cup standings, winning gold at the 2004 World Championships and bronze at the 2005 Championships. At the 2006 Winter Olympics he took the gold and announced his retirement from the sport, returning to Calgary, Alberta to work as a firefighter at the city's international airport. Find out more about Duff at: Duff's Olympic record - https://olympics.com/en/athletes/duff-gibson More info about Duff https://en.wikipedia.org/wiki/Duff_Gibson The Tao of Sport: Reflecting on Purpose, Passion, and Growth from a Hotbed of High Performance - https://www.amazon.com/Tao-Sport-Reflecting-Purpose-Performance/dp/1777641403 Check out our YouTube Channel: Jeremyryanslatebiz Make Extraordinary a reality: jeremyryanslate.com/extraordinary See the Show Notes: www.jeremyryanslate.com/935 Sponsors: Gusto: This episode is sponsored by Gusto. Run your payroll the easy way, the same way we do at Command Your Brand. You'll get a. $100 Amazon Gift Card just for running your first payroll! http://www.jeremyryanslate.com/gusto MyPillow: Use the promo code: CYOL to get up to 60% off https://www.mypillow.com/ Audible: Get a free 30 day free trial and 1 free audiobook from thousands of available books. Right now I'm reading " Woke, Inc. Inside Corporate America's Social Justice Scam" by Vivek Ramaswamy www.jeremyryanslate.com/book  

Durante dos semanas, la COP26 reunió a líderes de todo el mundo, empresarios, periodistas y miembros de la sociedad civil en la ciudad de Glasgow, Escocia.Fue una cumbre teñida de mucha expectativa y urgencia, si consideramos que originalmente iba a ser en 2020 y tuvo que posponerse por la pandemia.El objetivo fue avanzar en acuerdos y negociaciones entre países para que tomen acción, con el objetivo de ir acercándose a una meta, una meta de la que todavía estamos muy lejos, y es la de limitar el calentamiento global a 1,5 grados centígrados con respecto a la era preindustrial para mediados de este siglo. Esta meta se estableció en lo que fue la COP21, allá por 2015, y forma parte de lo que se conoce como el Acuerdo de París.La cumbre concluyó el sábado pasado con la firma de casi 200 países del Pacto de Glasgow, un documento que para muchos ecologistas tiene ‘‘sabor a poco“. El documento propone que los países presenten a finales de 2022 nuevos compromisos de recortes de emisiones de gases de efecto invernadero, pero "teniendo en cuenta las diferentes circunstancias nacionales". Hablé de todo esto con Tais Gadea Lara. Tais es periodista en cambio climático y fue enviada especial de RED/ACCION en la COP26, adonde vivió de primera mano todo lo que pasó en la cumbre.

Adam Murray of Living This Good Life shares 8 ways to make extra money and enjoy doing it Episode 1716: 8 Ways To Make Extra Money While Enjoying It by Adam Murray of Living This Good Life on More Sources of Income Adam grew up in a small town in New Brunswick, Canada. He knew from a young age that he wanted to explore and find what made him happy (and uncomfortable). He grew up as a very shy kid but over time he was able to defeat what was holding him down. He remembers how good he felt when he finally started to come out of his shell. He started to realize that the greatest things in life, whether it being your happiness or successes, come on the outskirts of your comfort zone. Since then, he's been exploring and trying to make each day his best day. He wants to share with you his experiences and hopefully influence you to make each day your best as well.  The original post is located here: https://www.livingthisgoodlife.com/post/8-ways-to-make-extra-money-while-enjoying-it  Gusto is an easy, online payroll and benefits service built for modern small businesses — one place to pay and take care of your hardworking team. Get three months free when you run your first payroll by visiting Gusto.com/ofd  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

On Episode 10 of the Stroke Alert Podcast, host Dr. Negar Asdaghi highlights two articles from the November 2021 issue of Stroke: “Biomarkers of Coagulation and Inflammation in COVID-19–Associated Ischemic Stroke” and “Treatment-Associated Stroke in Patients Undergoing Endovascular Therapy in the ARUBA Trial.” She also interviews Dr. S. Claiborne Johnston about “Ischemic Benefit and Hemorrhage Risk of Ticagrelor-Aspirin Versus Aspirin in Patients With Acute Ischemic Stroke or Transient Ischemic Attack.” Dr. Negar Asdaghi: 1) What is the net ischemic benefit derived from combination of ticagrelor and aspirin treatment in patients with mild ischemic stroke or transient ischemic attack? 2) Is the ischemic stroke in patients hospitalized with COVID-19 associated with the rise in biomarkers of inflammation and coagulopathy? 3) What are the characteristics associated with periprocedural stroke in patients treated endovascularly for an unruptured AVM? We'll discuss these topics and much more at today's podcast. Stay with us. Dr. Negar Asdaghi:                        Welcome back to the Stroke Alert Podcast. My name is Negar Asdaghi. I'm an Associate Professor of Neurology at the University of Miami Miller School of Medicine and your host for the monthly Stroke Alert Podcast. For the November 2021 issue of Stroke, we have a large selection of topics, from peanut consumption reducing the risk of ischemic stroke, and the decline in the rate of progression of coronary atherosclerosis in patients on a Mediterranean diet, to how the efficacy of endovascular thrombectomy diminishes in patients with more pervious thrombus composition, which I encourage you to review in addition to our podcast today. Dr. Negar Asdaghi:                        Later in the podcast, I have the distinct honor of interviewing Dr. Claiborne Johnston from Dell Medical School at UT Austin on his latest work with data from the THALES trial to clarify the net ischemic benefits derived from a combination of ticagrelor and aspirin therapy in comparison with the risks of hemorrhage associated with this treatment in patients with mild and moderate stroke and TIA. But first with these two articles. Dr. Negar Asdaghi:                        COVID-19–associated ischemic stroke, or CAIS, is a new term that, unfortunately, stroke physicians need to be familiar with. While acute ischemic stroke can occur in parallel from, say, traditional causes of stroke in patients infected with coronavirus, ischemic stroke and other thrombotic events, such as myocardial infarction, pulmonary embolism, deep vein thrombosis, and acute limb thrombosis, can occur in the setting of overt hyperinflammation and subsequent coagulopathy that is observed in patients hospitalized with severe COVID-19 illness. Dr. Negar Asdaghi:                        Elevated D-dimer, although quite non-specific, has emerged as a marker of COVID-19–associated coagulopathy, but whether an elevated D-dimer in isolation or in combination with various other inflammatory and coagulation markers is associated with development of acute in-hospital ischemic stroke in those hospitalized with COVID is not known. Dr. Negar Asdaghi:                        So, in the current issue of the journal, in the article titled "Biomarkers of Coagulation and Inflammation in COVID-19–Associated Ischemic Stroke,” Dr. Charles Esenwa from the Department of Neurology at Montefiore Medical Center and colleagues did an interesting analysis of over 5,000 patients with COVID-19 who were admitted to one of the Montefiore Health System hospitals between March 1, 2020 and May 8, 2020. This was a retrospective analysis, so they had to work with the available biomarkers for each patient and use a machine learning cluster analysis of these biomarkers to divide the patients basically based on five biomarkers to four clusters. Dr. Negar Asdaghi:                        The following five biomarkers were chosen by this machine learning cluster analysis. These included CRP, D-dimer, LDH, white BC, and PTT. So, they had to come up with some arbitrary rules to exclude biomarkers that were either missing in over 30% of their population, and they also excluded those patients that were hospitalized for a long period of time, and they chose a 30-day hospitalization and over. And they also only used the first reading for each biomarker. Again, these were arbitrary rules that were set forth by the authors, and they found some alarming findings. When they clustered patients based on similarities in these biomarkers, they came up with predicted models for combined thrombotic events and acute ischemic stroke. Dr. Negar Asdaghi:                        For example, in the cluster where the patients had the highest mean values for CRP, D-dimer, LDH, and white BC, and a relatively low PTT, these patients had the highest prevalence of acute ischemic stroke. They had the highest prevalence of in-hospital strokes and severe strokes and highest percentage of total thrombotic events. In contrast, the cluster with the lowest mean of all of these five biomarkers had no cases of in-hospital acute ischemic strokes; they had the lowest prevalence of composite, all thrombotic events, and patients had the least severe complications. Dr. Negar Asdaghi:                        So, they also tested the effects of biomarkers individually for prediction of acute ischemic stroke. And it turns out that when they used a lone marker, only D-dimer again was associated with acute ischemic stroke. Very interestingly, D-dimer was specifically elevated in those COVID-19 patients in whom the stroke was ultimately classified as cryptogenic. Dr. Negar Asdaghi:                        So, what does that mean? That means that it's more likely that a stroke had occurred in the setting of severe COVID-19 hyperinflammatory response, and less likely associated with other classical causes of stroke. Dr. Negar Asdaghi:                        So, what did we learn overall from this study? Well, hospitalized COVID-19 patients with a combination of high CRP, D-dimer, LDH, and white BC, and slight reduction in their PTT, had a 4.5-fold increase in the risk of in-hospital mortality and a fivefold increase in the risk of in-hospital stroke as compared to the COVID-19 patients with the lowest mean values for all the five biomarkers mentioned above. So, important information to keep in mind as we treat hospitalized COVID-19 patients, and we await more prospective data on this topic. Dr. Negar Asdaghi:                        Arteriovenous malformations, or AVMs, are congenital vascular lesions that are associated with long-term excess mortality and morbidity, essentially almost all related to their risk of intracerebral hemorrhage. Roughly half the patients with brain AVMs present with intracerebral hemorrhage, resulting in a first-ever hemorrhage rate of about 0.5 per 100,000 person years. Dr. Negar Asdaghi:                        Annual risk of hemorrhage is estimated at 1 to 4% for all comers with AVMs, but varies significantly, and can be as low as 0.9% in patients with unruptured, superficially located brain AVMs with superficial drainage, but may be as high as over 34% in patients with ruptured, deeply seated brain AVMs with deep venous drainage. So, treatment would entirely be dependent on the type of presentations and characteristics of each patient with an AVM. Dr. Negar Asdaghi:                        Whether unruptured AVMs should be managed clinically or treated either endovascularly or surgically is the subject of the ARUBA trial that is a randomized trial of unruptured brain AVMs. The enrollment of ARUBA was halted by the study's DSMB board, but medical management was found to be superior to treatment arm for the primary outcome of symptomatic stroke and death. Dr. Negar Asdaghi:                        Since then, there's been a lot of focus in the literature and comparison of outcomes between treated and untreated patients with unruptured AVMs, but less has been published on characteristics of patients who suffered from periprocedural stroke, an important part of the primary outcome of ARUBA. So, in the current issue of the journal, we have the study titled “Treatment-Associated Stroke in Patients Undergoing Endovascular Therapy in the ARUBA Trial.” Dr. Negar Asdaghi:                        Dr. Joshua Burks and colleagues from the Department of Neurosurgery at the University of Miami and colleagues evaluated 64 patients with unruptured AVMs enrolled in the ARUBA trial who underwent endovascular treatment as part of the trial and looked at the characteristics of those who suffered a perioperative stroke, defined as a stroke recorded at or within 48 hours of intervention, as this would represent a direct procedure-related complication rather than sequelae of, say, treated or partially treated AVM itself. Dr. Negar Asdaghi:                        All patients who initiated endovascular intervention, including attempted interventions in cases where therapy was aborted secondary to technical or anatomical limitations, were included regardless of randomization or subsequent withdrawal from the study beyond 48 hours following the intervention. So, what they found was that 16% of interventions resulted in stroke, 11% hemorrhagic, and 5% ischemic strokes. And they had no perioperative mortality, which is good news. Dr. Negar Asdaghi:                        In univariate analysis, they found many factors that were more commonly seen in patients that suffered from perioperative stroke as compared to those who did not have a stroke perioperatively. Those factors included, for instance, female sex. Over half of these patients were female. Close to half were enrolled in France. And over 40% of those who suffered a stroke in the perioperative timeframe had Spetzler-Martin grade two AVMs. Dr. Negar Asdaghi:                        When they accounted for all confounding variables, they found that endovascularly treated unruptured AVMs that are supplied by the posterior cerebral artery cortical feeders and those with Spetzler-Martin grade two and three had a higher perioperative stroke risk as compared to their counterparts without these characteristics. Interestingly, there are also significant geographical disparities in the risk of stroke in that patients treated in the United States or Germany had a significantly lower stroke risk than patients treated in other countries. Dr. Negar Asdaghi:                        So, what did we learn from this study? There are patients and lesion characteristics that increase the risk of stroke associated with endovascular treatment of unruptured AVMs. The current study suggests that AVMs with cortical arterial feeders from posterior cerebral artery and those with grade two and three Spetzler-Martin were associated with a higher risk of procedural and periprocedural stroke. Dr. Negar Asdaghi:                        And very importantly, as with every surgical intervention, the risk of a procedure is operator-dependent, as well as center-dependent. And these are important factors to keep in mind as technology evolves and more treatments become available to decide whether to keep or to refer patients with unruptured AVMs to a more experienced center. Dr. Negar Asdaghi:                        Patients with mild ischemic stroke and transient ischemic attack are at high risk of having recurrent ischemic events, especially in the immediate aftermath of their symptom onset. Early diagnosis and initiation of secondary preventive measures, such as antiplatelet or anticoagulation therapies, in the appropriate setting considerably reduce this recurrent risk. Dr. Negar Asdaghi:                        Multiple randomized trials have shown that as compared to treatment with a single antiplatelet agent, dual antiplatelet treatment is more effective in reducing the risk of stroke and other major vascular events in the TIA mild stroke population, a benefit that comes with an expected increase in the risk of hemorrhage. Dr. Negar Asdaghi:                        THALES trial is one of the latest trials to determine the efficacy of dual, which is combination of ticagrelor and aspirin, versus mono-antiplatelet therapy, that is aspirin alone, in eligible patients with non-cardioembolic acute ischemic stroke and TIA. Now, it's important to keep in mind that the primary outcome of THALES is a composite of stroke or death, which included both ischemic and hemorrhagic events. Dr. Negar Asdaghi:                        Now, it's important to understand that while in the setting of a clinical trial, combining the risks associated with dual antiplatelet therapy, which is hemorrhage, and the potential treatment benefit, that is reduction of recurrent ischemic events, is appropriate as part of the outcome selection. In routine practice, this type of primary outcome can obscure the actual trade-offs between the benefits of dual antiplatelet treatment and its inherent hemorrhagic risk. Dr. Negar Asdaghi:                        So, in this issue of the journal, in the study titled "Ischemic Benefit and Hemorrhage Risk of Ticagrelor-Aspirin Versus Aspirin in Patients With Acute Ischemic Stroke or Transient Ischemic Attack," the THALES investigators led by Dr. Claiborne Johnston sought to separate the ischemic benefits of combination of ticagrelor and aspirin therapy from its hemorrhagic risks in patients enrolled in the trial. Dr. Negar Asdaghi:                        I'm joined today by Professor Johnston to discuss the findings of this paper. Dr. Johnston absolutely needs no introduction to the stroke community and our readership. He's a Professor of Neurology at Dell Medical School at the University of Texas at Austin. He's a leader in the field of cerebrovascular disorders, has served as the primary investigator of multiple randomized trials and large prospective studies to evaluate the preventive treatment outcomes in TIA and mild stroke, and has pioneered the development and validation of predictive models for recurrent stroke in this population. He's authored over 700 peer-reviewed manuscripts, has won several awards for research and teaching, and is recognized for his leadership in the field of medicine and healthcare. Dr. Negar Asdaghi:                        Good morning, Clay. We're delighted that you could join us on the podcast. Dr. S. Claiborne Johnston:           Well, thank you. It's wonderful to be here. Thank you for having me. Dr. Negar Asdaghi:                        Thank you. So, THALES is an exciting new addition to the most recent trials of dual antiplatelet therapy that studied mostly the role of clopidogrel and aspirin combination therapy. Can you please start us off by telling us why did we need a new trial in a very similar patient population? Dr. S. Claiborne Johnston:           Well, the primary reason was, yes, clopidogrel works in combination with aspirin in the setting, but clopidogrel is actually a prodrug. It requires conversion in the liver to its active form. And polymorphisms in CYP2C19 and Cyt P450 pathways are really common and associated with an inability or limited ability to convert that prodrug into its active form. So, there are a number of people who may not benefit much, if at all, from clopidogrel. So, it's kind of surprising that it works as well as it does. Dr. S. Claiborne Johnston:           Ticagrelor doesn't have that problem. It's not a prodrug. It acts directly on the P2Y12 inhibitor. And so, the hope was that we would have a more consistent and pronounced effect on risk reduction in patients after TIA and mild to moderate strokes. Dr. Negar Asdaghi:                        Primary efficacy outcome in THALES was different from the primary efficacy outcome chosen for the POINT trial, that was major ischemic events and death from ischemic vascular events, and that of the CHANCE trial, that was a combination of ischemic and hemorrhagic strokes in 90 days. Can you please tell us about the thought process behind choosing this particular primary efficacy outcome in THALES? Dr. S. Claiborne Johnston:           Yeah, so this was encouraged by the regulatory authorities. And so the primary efficacy outcome in THALES is all stroke, hemorrhagic and ischemic, and all death, hemorrhagic and ischemic. And we teased apart just the ischemic etiologies in POINT. Dr. S. Claiborne Johnston:           The rationale was that we were including all the major outcomes that the drug could impact. The problem is that people forget that it includes hemorrhagic events, and then they weigh that efficacy outcome against the safety outcome. And so there's confusion. There's sort of double-counting of safety elements in doing that comparison. Dr. Negar Asdaghi:                        Okay, great. And now, before we hear about how you disentangled the two safety and efficacy outcomes, can you please remind our listeners about the primary results of THALES, which was published obviously a few months ago? Dr. S. Claiborne Johnston:           Yeah, sure. So, it showed that the combination of ticagrelor and aspirin works. It reduced the stroke and death by about 17% over the 30-day period of treatment. So robust effect. There were some increased hemorrhages, and looking at severe hemorrhage as defined by the GUSTO definition, there was almost a fourfold increase, but it was tiny in absolute terms of 0.4% increase. Dr. Negar Asdaghi:                        Okay. So, now it's very important, as you mentioned, this disentangling of recurrent ischemic, again, safety from efficacy outcomes. Your current study that is published in the November issue of Stroke clarified these results. And we're excited to hear about those results. Dr. S. Claiborne Johnston:           That's right. So, there were two problems with the way people have interpreted the results of the THALES trial. One is this entanglement of safety events and both efficacy outcome and the safety outcome. The other was the use of relative risks as opposed to absolute risks, because a high relative risk for a rare event is less important than a small relative risk for a more difference between more common events. And so we wanted to deal with both of those issues. Dr. S. Claiborne Johnston:           So, we defined new outcomes that were not entangled. So, we defined major ischemic events, similar to what we had done in POINT, and then we defined major hemorrhage as being basically irreversible hemorrhage, and compared outcomes in the two groups. And what we found was that when we did it that way, for every 1,000 patients treated, we avoided 12 major ischemic events and produced three major hemorrhages. So, about a four-to-one ratio of ischemic benefit to hemorrhage risk. And that was true at various cutpoints for disability. Dr. S. Claiborne Johnston:           So, if we said, "Okay, yes, you had an event, and are you disabled at last follow-up at 30 days?" Then if we said that, there was also a four-to-one difference in disabling events, ischemic versus hemorrhagic. And if we said a two or greater, so moderate disability or worse, it was the same ratio, four-to-one. Dr. Negar Asdaghi:                        Okay, so four-to-one ratio of benefit. That's an important number to keep in mind. Also reassuring to see that this net clinical benefit or net clinical impact of the combination of therapy was practically the same across all the pre-specified subgroups in the trial. Were you at all surprised by the subgroup analysis? Dr. S. Claiborne Johnston:           Well you know if you do enough subgroup analyses, you're going to find differences, right? And thankfully, we have the looking at interaction terms to keep us honest, but even so, you look at 20 and you're going to have some significant interaction terms, as well. But yeah, it was reassuring that the effects were so consistent across groups. Dr. S. Claiborne Johnston:           I think there's been a tendency to over-interpret results from subgroup analyses. We don't have any evidence to suggest that we should be doing that here. I'm sure we can pick out groups that do better, and we've done that actually. The group with atherosclerosis does particularly well, but is that a chance event or is that real? I think we just have to be super-cautious about subgroup analyses. Dr. Negar Asdaghi:                        So, absolutely. One of the subgroups that I'm personally very interested in is just the time subgroup. So, all of the patients in THALES were enrolled within the first 24 hours, and the subgroup analysis did not show that there were any differences in terms of the net benefit between those that were enrolled earlier, within the first 12 hours, and those that were enrolled later, between 12 and 24 hours. But in routine clinical practice, we often see patients with TIA and mild stroke actually presented to us later than that timeframe entirely. Should we be giving them dual antiplatelet treatment? Dr. S. Claiborne Johnston:           That's a great question. So, we did an analysis in POINT where we modeled out, would we still have an important significant net benefit if we had started the trial later? And we didn't start the trial later, right? So, this was just pretending like anybody who had an event early on was not in the study in starting at a later timepoint and modeling that out. And basically what we found was that for out to three days, there was still a benefit. And, in fact, if you look at that data and look at those tables, you could even say, even out to five days. Dr. S. Claiborne Johnston:           I would say it's not unreasonable to do that given that the risks are so small and they're going to be even later with later treatment. But I would say, too, that even though we're not seeing greater impact within that first 24 hours versus 12 to 24, it just makes sense with event rates being as great as they are early on that if you don't treat with a preventive medication before an event occurs, it doesn't work. So, it just makes sense that as much as possible we ought to treat people as early as possible after their events. Dr. Negar Asdaghi:                        Very important findings and things to keep in mind. I want to ask you about the top two takeaway messages from the study. Dr. S. Claiborne Johnston:           One is that there's a favorable benefit-to-risk ratio for ticagrelor/aspirin in mild to moderate actually ischemic stroke and high-risk TIA from THALES. So that would be number one. Dr. S. Claiborne Johnston:           And then number two is watch your endpoints carefully. Think carefully, too, about whether balancing safety to efficacy events really makes sense and also whether focusing on relative risks really makes sense. I would encourage us, even though our journals tend to push us towards relative risks and we're more familiar with those, I'd encourage us to get more comfortable with using absolute risks in the way we look at data, but also in the way we talk to patients about their impact. Dr. Negar Asdaghi:                        Fair enough. I remember a few years ago, you visited us here at the University of Miami to deliver the annual Cerebrovascular Scheinberg Lecture. And you had mentioned that the idea of dual antiplatelet therapy treatment of patients with TIA mild stroke had come to you many years back when you were still in training, but it took many years for that idea to turn into reality, into randomized trials, and now translated into clinical practice. Dr. Negar Asdaghi:                        At the time, if you recall, this was right before you went to Europe to present the primary results of POINT at the European conference. And the trial results were not publicly available, so you were sworn to secrecy. You couldn't tell us about the results. It's been a few years since then. You've already completed yet another trial on this topic. Can I ask what's next for you and your team as it pertains to acute treatment of patients with TIA and mild stroke? Dr. S. Claiborne Johnston:           Well, there are a few things. So, CHANCE-2 is a really interesting trial. My role in that was peripheral, just really advisory, but it's an exciting trial. So, basically it's looking at people with those CYP2C19 polymorphisms that I mentioned before, people who don't rapidly and readily convert clopidogrel to its active form, and randomizing them to clopidogrel versus ticagrelor. Dr. S. Claiborne Johnston:           So, it's going to give us some head-to-head data on the two drugs and the people who may benefit the most from ticagrelor. And that is complete, and that will be published in the next few months. So, I that's going to be an important trial in people's thinking about how best to approach these patients. Dr. S. Claiborne Johnston:           The second is, you know, we're not done. We still have a 5% risk of events, even in those three dual antiplatelet therapy. And so we need more agents. And we need to think about secondary prevention extending to other groups as well, just as you said, longer periods of time, more severe strokes, people after thrombolysis/thrombectomy. Those are big groups of patients at extreme risk for secondary events, and we have no agents and no data right now. Dr. S. Claiborne Johnston:           I would be concerned about dual antiplatelet therapy in those patients, just given what we've seen about the risks of hemorrhage in the existing groups, which are again manageable and shouldn't change people's decision about treatment. But for the groups I just mentioned, risks of hemorrhage start to get greater. And so one worries about whether dual antiplatelet therapy's the right thing or whether other agents make more sense. So, yeah, we're interested in looking at other agents, some novel, for those other indications as well. Dr. Negar Asdaghi:                        Professor Johnston, thank you for your time, and we look forward to covering more of your research in the future. Dr. S. Claiborne Johnston:           Well, thank you. It's been a pleasure. Dr. Negar Asdaghi:                        Thank you. Dr. Negar Asdaghi:                        And this concludes our podcast for the November 2021 issue of Stroke. Please be sure to check out the November table of contents for a full list of publications, including two important topical review articles, one on thrombus composition after thrombectomy, and one on pearls and pitfalls of perfusion imaging in acute ischemic stroke, as advanced neuroimaging continues to play a critical role in decision-making for acute stroke therapies. Dr. Negar Asdaghi:                        Now, speaking of advanced neuroimaging and the immense role that neuroimaging plays in our day-to-day practice, let's take a moment as we end our November podcast to remember how the concept of medical imaging first began over 120 years ago with the discovery of X-ray by German professor of physics Wilhelm Röntgen. Dr. Negar Asdaghi:                        On Friday, November 8, 1895, while experimenting with electricity, Röntgen accidentally discovered a new kind of rays that he referred to as X-rays. He soon realized that X-rays were capable of passing through most substances, including the soft tissues of the body, but left bones and metals visible. Dr. Negar Asdaghi:                        One of his earliest photographic plates of his experiments was a film of his wife Bertha's hand with her wedding ring clearly visible. This was the first time that the inside of human body was seen without performing surgery. Dr. Negar Asdaghi:                        From Röntgen's first X-ray image to the advanced neuroimaging that we review today on our portable devices, I can't help but wonder, what will your accidental discovery on a Friday fall afternoon in November do to advance the field of science and stroke 100 years from now, as we continue to stay alert with Stroke Alert. Dr. Negar Asdaghi:                        This program is copyright of the American Heart Association, 2021. The opinions expressed by speakers in this podcast are their own and not necessarily those of the editors or of the American Heart Association. For more, visit AHAjournals.org.

About This Episode: Each week on Thursday thoughts, we look into my thoughts on relevant issues that week. This week we're discussing…. What I Learned from Maj. Gen. Sturdevant Acting like a General Leadership in the world has changed Freedom from v. Real Freedom The Kyle Rittenhouse trial and why the mainstream media has committed suicide.   Learn more about this episode: Interview with Maj. Gen. Gregg Sturdevant - https://www.jeremyryanslate.com/933 Dinesh D'Souza's instagram status - https://www.instagram.com/p/CWT692KLEme/ Check out our YouTube Channel: Jeremyryanslatebiz Make Extraordinary a reality: jeremyryanslate.com/extraordinary See the Show Notes: www.jeremyryanslate.com/933 Sponsors: Gusto: This episode is sponsored by Gusto. Run your payroll the easy way, the same way we do at Command Your Brand. You'll get a. $100 Amazon Gift Card just for running your first payroll! http://www.jeremyryanslate.com/gusto MyPillow: Use the promo code: CYOL to get up to 60% off https://www.mypillow.com/ Audible: Get a free 30 day free trial and 1 free audiobook from thousands of available books. Right now I'm reading "In Trump Time" by Peter Navarro www.jeremyryanslate.com/book  

Brian Tracy tells us how to develop a positive money mindset Episode 1713: How to Develop a Positive "Money Mindset" by Brian Tracy on Money Affirmations & Financial Wellbeing Brian Tracy's goal is to help you achieve your personal and business goals faster and easier than you ever imagined. Brian Tracy has consulted for more than 1,000 companies and addressed more than 5,000,000 people in 5,000 talks and seminars throughout the US, Canada and 70 other countries worldwide. As a Keynote speaker and seminar leader, he addresses more than 250,000 people each year. He has studied, researched, written and spoken for 30 years in the fields of economics, history, business, philosophy and psychology. He is the top selling author of over 70 books that have been translated into dozens of languages. The original post is located here: https://www.briantracy.com/blog/financial-success/how-to-develop-a-positive-money-mindset/  Gusto is an easy, online payroll and benefits service built for modern small businesses — one place to pay and take care of your hardworking team. Get three months free when you run your first payroll by visiting Gusto.com/ofd  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Scott Rieckens of Playing With Fire helps you decide whether or not you should refinance your mortgage. This is part 1 of 2. Episode 1709: [Part 1] Should I Refinance My Mortgage by Scott Rieckens of Playing With Fire on Home Loan Savings A successful entrepreneur living in Southern California, Scott Rieckens had built a “dream life”: a happy marriage, a two-year-old daughter, a membership to a boat club, and a BMW in the driveway. But underneath the surface, Scott was creatively stifled, depressed, and overworked trying to help pay for his family's beach-town lifestyle. Then one day, Scott listened to a podcast interview that changed his life. Five months later, he had quit his job, convinced his family to leave their home, and cut their expenses in half. Follow Scott and his family as they devote everything to FIRE (Financial Independence Retire Early), a subculture obsessed with maximizing wealth and happiness. Filled with inspiring case studies and powerful advice, Playing with FIRE is one family's journey to acquire the one thing money can't buy: a simpler — and happier — life. The original post is located here: https://www.playingwithfire.co/blog/refinance-my-mortgage  Gusto is an easy, online payroll and benefits service built for modern small businesses — one place to pay and take care of your hardworking team. Get three months free when you run your first payroll by visiting Gusto.com/ofd  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Alyssa Wolff of Your Unbusy Life teaches you how starting small can be great for building habits Episode 2162: Show Up So Small That It's Silly (But It Works) by Alyssa Wolff of Your Unbusy Life on New Habit Formation & Systems Alyssa Wolff is the founder of Your Unbusy Life. She is a minimalism junkie, God follower, introvert, perpetual bookworm, and mom of 5. Her passion is helping introverted mothers get life simplicity in their stuff and schedules. The original post is located here: https://yourunbusylife.com/show-up-so-small-that-its-silly/  Gusto is making payroll, benefits, and HR easy for small businesses. Get 3 months free once you run your first payroll with our link: Gusto.com/OLD Visit Me Online at OLDPodcast.com  Interested in advertising on the show? Visit https://www.advertisecast.com/OptimalLivingDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Forbes has called Nancy A. Shenker a “bad girl” because she selectively breaks rules and takes calculated risks to help companies innovate and grow. Nancy had worked as a CMO for big brands like MasterCard and Citibank when she ventured to start her own business, TheONswitch. That was more than 18 years ago and she credits her client side work for providing the insight needed when she first started. Those experiences are what contributed to her still being in the agency world today. In her conversation with Jason, they talked about how staying in business through the years has meant adapting to different challenges. They also touched on some of the lessons learned in more than 18 years of owning her business, and why people shouldn't underestimate experience and the wisdom that can come from it. 3 Golden Nuggets On adapting to changes. Nancy actually credits the hard times of the 2008 recession for preparing her for the pandemic. “When the economy takes a downturn, you're sort of stuck throwing all of this stuff overboard,” she recalls. When it came time for everyone to welcome the new digital and minimalistic model, she had already adapted to it years ago. “I've been co-working and managing a virtual team for the last decade, so I was good.” In her opinion, the pivoters were the ones surviving and thriving. It was a time to do market research, to find out how customers were behaving, but many went into a state of inertia. Lessons learned over the years. After 18 years in the business, lesson number one for Nancy has been to always trust her gut. She doesn't have a lot of regrets, but she always regrets moving forward with projects where she felt like something didn't seem quite right. Another important lesson is to always watch your P&L. Hope is great but money in the bank is better. Always make sure to have that cushion because you never know when things can go south. Also, remember that a good profit margin for your business should be an average of 30%. And finally, invest in things that will bring you long-term value. Don't underestimate experience. Nancy is very passionate about calling out ageism in business. “I now bring to the table wisdom that I didn't have even 18 years ago,” she says. She calls for people not to assume that an older person cannot understand technology. She even challenges anyone a social media strategy contest, since she's been in the social media and digital media realm since the late nineties and feels that, at 65, she can offer a unique perspective. Sponsors and Resources Gusto: Today's episode is sponsored by Gusto, an all-in-one people platform for payroll, benefits, HR where you can unify your data. Gusto automatically applies your payroll taxes and directly deposits your team's paychecks, freeing you up to work on your business. Head over to gusto.com/agency to enjoy an exclusive offer for podcast listeners. Subscribe Apple | Spotify | iHeart Radio | Stitcher | Radio FM Lessons Learned After 18 Years in the Business & Why We Shouldn't Underestimate Experience Jason: [00:00:00] All right. What's up, agency owners? Today I have an amazing guest who has been in business for over 18 years. Actually, today is their 18th birthday. We're going to talk about the lessons learned about growing their agency. And let's go ahead and jump into the show. Hey, Nancy. Welcome to the show and happy birthday to the business. Nancy: [00:00:25] Thank you. How are you doing? Jason: [00:00:28] So, uh, tell us who you are and what do you do? Nancy: [00:00:32] Sure. My name is Nancy A. Shenker. And as you just said, today is the 18th birthday, so it's fortuitous timing, um, of my consulting company slash agency called TheOnswitch. Um, I was an early-stage entrepreneur. I left corporate life and started my own business long before it became popular to do that. Um, and previously I was a CMO at a company called Reed Exhibitions, the producers of Comicon. And then before that I was at MasterCard and Citibank. So the first part of my career was on the client-side. So when I got ready to start my own consultancy, I sort of knew what things look like from the other side of the desk, which gave me tremendous insight and probably contributed to my still being around 18 years later. Jason: [00:01:26] Yeah. What were… Going back to when you were the CMO and working with a lot of different agencies over the years, what were some things that really pissed you off? Nancy: [00:01:39] Um, I think that, um, account people who had never really worked in or on the business, um… Always seemed sort of whimsical to me. Like if you couldn't tell me specifically what was going on with a project or why I should be spending my money on direct rather than conventional print… Then you were really just like a host or a hostess. So that was like number one, that stuck in my craw that I didn't really need somebody to take me out to lunch or invite me to parties. I needed a person who was going to give me creative ideas to grow the business. Jason: [00:02:22] A strategist. Nancy: [00:02:22] Um, yeah. Yeah. The other thing, um, was, um, paying for people who weren't actually working on my account and the recession was a tipping point for me when I really had to take a long, long, hard look at my overhead as a business and to say, whoa, whoa, like my clients are paying for my equipment. They're paying for my toilet paper. They're paying for, you know, all of this stuff. And when the economy takes a downturn, you're sort of stuck throwing all of this stuff overboard that you just bought in the previous 10 years. So I was actually really in great shape to handle the pandemic. Because I went with this minimalistic virtual model back in 2008, which suddenly became popular in 2020. And I'm like, whoa, I've been doing this for 10-15 years. I'm all good. I don't have any stuff to throw overboard at this point. I'd been co-working for the last decade. I have been managing a virtual team for the last decade. So I was, I was good. I mean, no one was really good in the pandemic, but I was better than most. Jason: [00:03:47] Yeah. I saw a lot of agencies growing actually in the pandemic, just because, you know, there were so many businesses that… Traditional, their traditional way of getting business they couldn't get anymore. And they really needed, you know, that digital, um, expertise in order to reach their customers and really kind of make, get, get them through because you know, the, the loans of the government only goes so far. Nancy: [00:04:15] Yeah. I mean, I would say probably, you know, 20% of clients said... Oh my goodness, the world is changing. Human behavior is changing and my customer's changing and I'm going to get first-mover advantage by dealing with that. And then there was a whole other swath of the population that went into this like inertia state. So the nimble, the strong, the… I hate the word pivot, but the pivoters are surviving and thriving. And those people who sort of… pause. I mean, I just saw this statistic that was shocking that two-thirds of companies, you're talking about major companies, postponed or canceled market research during the pandemic. And I would argue that that was the time to really be all over how are my customers behaving? What are they buying? What are they clicking on? How are they shopping? Because if you understood that, like, if you really understood, basic human behavior, which shifted largely to digital... Um, you were way ahead of the game if you were on top of that. Which is what taught us this lesson that, you know, I've learned starting in, when I first started my career in the 1970s. You know, our tagline as a business is bright and timeless marketing. I've seen media change radically. Um, but, um… What has stayed the same is your understanding of basic human behavior. Um, that's timeless, whether it's B2B or B2C, if you really are inside the head and heart and wallet of your customer, you'll never be wrong. Jason: [00:06:08] Yeah. What were, what were some of the things that you've learned over the years of running your business? Nancy: [00:06:15] Um, well, my lesson number one for today, I'm doing a series of nine lessons learned over 18 years. And lesson number one, which is live on my LinkedIn profile today is trust your gut. You know, and I think that it's very easy when you're a business owner to be swayed by clients, by your team members… But at the end of the day, you know, if you're a successful business owner, your intuition is usually pretty good. So if you have the heebie-jeebies, as I say, about a client or about a prospective employee or a current team member. You know, the chances are probably better than even that your gut is right. So, um, you know, the biggest mistakes I've made or learning moments I've had in the last 18 years have been when something didn't feel right to me and I moved forward with it anyway. Jason: [00:07:14] Yeah, exactly. Cool. And what are, what are some of the other nine? Obviously we, we don't have time to go over all nine. Um, and I'm not gonna put you on the spot for that, but look, give us a hint for some other ones. Nancy: [00:07:26] Um, always watch your P&L. You know, especially if you're a creative, um, and a storyteller, it's pretty easy to delude yourself and say, well, things will turn around tomorrow. Or, you know, I'm, I'm spending $10,000 on this because I think it's a good, calculated risk. But, you know, that's one of the big lessons I learned from the recession is that, um… Hope is great, but money in the bank is better. Like always have that cushion. Also because you never know when things could go south and you don't want to be too leveraged when that happens. So, you know, as I like to say, especially for women, business owners, PNL does not stand for purses and lipstick. Um, when you're in a service business and your biggest expense is people, um, you really have to spend very, very wisely. Jason: [00:08:34] Taking care of your employees has never been more important than right now. And while paydays are great, running payroll is a major pain. Calculating taxes, deductions, compliance, none of it's easy. Unless of course you have Gusto. Gusto is a simple online payroll and benefits built for your small business. Gusto automatically applies your payroll taxes and directly deposits your team's paychecks, freeing you up to work on your business. Plus, with Gusto's help you can offer benefits like 401k's health insurance, workers' comp, and a lot more. And because you're a smart agency masterclass listener, you're going to get three months free once you run your first payroll. Go to gusto.com/agency.  That's gusto.com/agency for three free months. Yeah, I always, when I work with agencies, I'm always surprised about how low their profit margins are. And they think in the agency business that 10% is good or 15%. I'm like the average is over 30%. And then they kind of get shocked a little bit and I'm like, that's the average. I was like, you can go over. And they're like, but when you get bigger, it goes down. I'm like, no, it doesn't. Only if you're, if you get dumber. Nancy: [00:10:02] Exactly. Exactly. Yeah. And, um, you know, when I first started my business, I think I was more into the creator comforts. Um, you know, I'd mentioned to you that I just moved to Arizona about three, four years ago. And I was kind of shocked at how many agencies have big spaces and their names on the door and big staffs. A lot of them did have to do some serious bloodletting when the pandemic started, you know. And you're right, there are some who didn't miss a beat and whose clients really needed them. And there are others that just could not sustain their expense base when things took a turn for the worse. So I'm a, I'm a minimalist both personally and professionally these days. Jason: [00:10:52] Yeah. I, I would always invest in anything that would be for the long-term that they would generate. And then personally, I would only invest in things, um, that were related to experiences. I would never buy a $50,000 watch, but I would buy a $50,000 experience. Nancy: [00:11:14] Oh yeah. I mean, you're talking to a woman who spent an insane amount of money on a 12th-row seats to see the rolling stones when they came through, um, a few years ago, pre-pandemic. And I will never, ever regret that expense. So, yeah. Memories, travel, experiences… And talent, you know, if you find people… I'm working with a couple of women now who I've known for years who are worth every penny, I pay them and then some. Because they are helping me scale the business and deliver great quality work and enabling me to sleep better at night, which at this stage of my life is super important. Jason: [00:11:58] Yeah, exactly. Uh, give us two other tips that you've learned over the years. Nancy: [00:12:04] Um, build a really… Another people tab is build a really strong inner circle. And that inner circle can change or evolve over time, but you really have to have people in your life who will tell you the truth, who aren't just bobbleheads. Um, operations is really key. You know, you could be doing the best creative in the world, but if stuff isn't happening on time and on budget, you're screwed. Um, and then, you know, this isn't one of my nine tips, but it's my, you know, one mini regret, in terms of how I started and scaled the business… I think having product, having tangible product is super important. Because being exclusively in a service business, no matter how much you productize your service, it's still a service. So, I mean, I'm not done yet. I have another 18 years at least ahead of me. And I have a few product concepts that I hope to launch over the next five to 10 years. Including, you know, I, I'm a writer and I have a bunch of books on Amazon and I have, um, some courses I'm developing. So yeah, I'm really into passive revenue these days. Jason: [00:13:24] Well, let me, let me tell you, the grass is not always greener on the other side. It's greener on the side you water. When I sold my agency, I thought just like you, I was like, ah, I've been in the service business for 12 years. Let me go develop a product. And I developed an iPhone app and I hated it. I literally wanted to… I put a gun to it and just blew it up behind the shed. And… Nancy: [00:13:46] Yeah, and that's one of the reasons why I haven't launched my… I have one product idea that's actually a physical, tangible product, a household product. And when I started delving into manufacturing and trademarking and distribution, I'm like, nah, I'm not, I'm not doing that. So I think that there is an opportunity and I think you've actually done it really well. You know, and I'm not just being, you know, a sycophant here. But like developing products that people in your industry truly need, you know, it's productizing your service, which is also a form of a product. I think smart, digital marketers are doing more and more of that these days. So kudos to you on that. Jason: [00:14:32] Thank you. Well, uh, is there anything Nancy, I did not ask you that you think would benefit the audience? Nancy: [00:14:39] Um, yeah, I mean, something that I think a lot about these days is, I turned 65 last February. Um, I have been very often told that I don't look 65, but what I say is this is the new 65. I would like to see the agency world and the marketing world become more age diverse. Um, it's something that I'm passionate about and you know, I now bring to the table wisdom that I didn't have even 18 years ago. So when you see that person who's old enough to be your mother or your grandmother, don't assume that they don't understand technology. Because I challenge any millennial to a social media strategy contest because I've been in the social media and digital media realm since the late nineties, early two thousands. I helped build the first website for MasterCard. I was on Twitter day one of the Twitter launch. And it's funny cause I recently said to one of our associates I've been using social media since 2005. And she said, oh my God, I was only six years old then. So yeah, don't assume that because somebody is older doesn't mean that they can't understand new tricks. So that's my final bit of anti-ageism bad-ass wisdom. Jason: [00:16:15] Awesome. And what's the URL. People can go and check the business out? Nancy: [00:16:20] theonswitch.com, T H E O N S W I T C H.com just like a light switch, but not. Um, my daughter actually helped me name the company and, um, feel free to follow me on LinkedIn because I'm, as I said, I'm a storyteller and that's where a lot of my content goes. Jason: [00:16:39] Awesome. Well, thanks so much, Nancy, for coming on the show. And if you guys want to really be around an amazing inner circle, kind of like Nancy mentioned, where they're all digital agency owners and we're all wanting to grow and scale up faster. I'd love to invite all of you to go to digitalagencyelite.com. Go and check that out and apply. And if we think it's right for you and vice versa, we'll have a conversation. So go to digitalagencyelite.com. And until next time have a Swenk day.

J. Money of Budgets Are Sexy reminds you that it only gets easier after making your first $100,000 Episode 1706: The First $100,000 Is The Hardest by J. Money of Budgets Are Sexy on Building Wealth & Net Worth J. Money is a 6'1, hyperactive, rock a ‘hawk who loves drinking beer, blaring hip-hop, talking about money, and now playing with his two adorable baby boys. He tracked his expenses for 3 months, made a budget, read some books, and stumbled into personal finance blogging and idea sharing, randomly turning BudgetsAreSexy.com into his full time “real job” a few short years later--14 million views later! The original post is located here: https://www.budgetsaresexy.com/the-first-100-thousand-is-the-hardest/  Gusto is an easy, online payroll and benefits service built for modern small businesses — one place to pay and take care of your hardworking team. Get three months free when you run your first payroll by visiting Gusto.com/ofd  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you struggle with cash flow? Do you want to make more money in your business? In this episode, we discuss how knowing your numbers can help you create more cash in your business. To explore this topic, we are joined by Marley Majcher the Profit Goddess and  author of the book, But Are You Making Any Money? Stop Being Busy and Start Creating Cash.   She has quickly established herself as a top business coach in LA.  Also known as the Party Goddess, she is the CEO of a nationally acclaimed full-service event planning and catering business with the same name. Marley has created events and parties for A-list celebrities, which include Snoop Dogg and Britney Spears. SHOW NOTES:Marley Majcher - The Profit Goddess: Website - Instagram - Mini-Course The Party Goddess:  Website - Instagram - Facebook - Twitter Ep. 63 - Understand Your Numbers (Guest La'Vonne Shields) For more information, see the complete show notes here https://www.getthebalanceright.net/blog/episode70CONTACT HEATHER:Contact Heather: Instagram - LinkedIn Get the Balance Right Coaching: WebsiteBook a Discovery Call (via Zoom) - Click HereHeather & Get the Balance Right - Link TreeZeitzwolfe Accounting: Website  - FacebookHey Female Entrepreneurs! Let's party! Join me each month

About This Episode: Scott Presler is a new kind of Conservative. He has hit the ground running to help register voters. Scott has understood that the only way to change politics is to do so at the grass roots, local level. Scott first came to prominence by organizing individuals to clean up the city of Baltimore. He was also instrumental in grass roots campaigning for Texas Governor Greg Abbott as well as Donald Trump's 2020 presidential campaign. Now, Scott is traveling the country and helping register new Republican voters. Find out more about Scott at: Twitter - https://twitter.com/ScottPresler Telegram - https://t.co/K4rkFTDH78?amp=1 Scott Presler Volunteering- https://docs.google.com/forms/d/e/1FAIpQLSdPxyzHSveo4UnsRZSdsAWfUvp8abL8X_scMNtZGIBWAHArJA/viewform Check out our YouTube Channel: Jeremyryanslatebiz Make Extraordinary a reality: jeremyryanslate.com/extraordinary See the Show Notes: www.jeremyryanslate.com/931 Sponsors: Gusto: This episode is sponsored by Gusto. Run your payroll the easy way, the same way we do at Command Your Brand. You'll get a. $100 Amazon Gift Card just for running your first payroll! http://www.jeremyryanslate.com/gusto MyPillow: Use the promo code: CYOL to get up to 60% off https://www.mypillow.com/ Audible: Get a free 30 day free trial and 1 free audiobook from thousands of available books. Right now I'm reading " Woke, Inc. Inside Corporate America's Social Justice Scam" by Vivek Ramaswamy www.jeremyryanslate.com/book  

We all know the importance of setting goals. We have to know where we're headed and what we want to achieve in order to get there, right? The problem is that most people don't know the best strategy for setting their goals. It seems obvious that our goals should be realistic, right? Wrong. It may seem counterintuitive, but, in reality, your goals should be wildly unrealistic. Reach for the stars. Another problem is the company we keep. Most of us surround ourselves with relationships and circumstance. But we should be striving to discover and bring specific people with specific qualities into our lives based on where we are at that point in time.If none of this makes sense as a way to find your ONE Thing, then listen to today's episode and learn. And if you're still looking for help with setting your goals, be sure to check out our upcoming Goal Setting Retreat, where you can join us to learn the specific tools to know exactly how to set the right goals and how to do it the right way. Find out more by heading to the1thing.com/setmygoals.To learn more, and for the complete show notes, visit: the1thing.com/pods.In this episode, you will learn...[00:01] How there's no point in keeping your goals realistic[20:40] The power of time blocking to find your ONE Thing[23:00] How important the company you keep is--When you're busy, it can be a challenge to get dinner on the table every night.Sovereignty creates game-changing supplements to help your focus and your sleep. Their focus blend uses CBG and adaptogens to deliver results you can feel almost instantly. And their sleep blend calms the mind and body while helping you fall asleep and stay asleep.Visit sov.live and use code “ONE” for 20% off your first purchase.--Do you run a small business?Small business owners wear a lot of hats. Some of those hats feel incredible. However, filing taxes and running payroll... well, for most of us, they don't feel great. They're definitely not our ONE thing. That's where Gusto comes in to help you make payroll, taxes, and HR easy. So ask yourself: is it time to take off some of your hats?You can get three FREE months when you run your first payroll at Gusto.com/ONE.--Right now, we cannot be overwhelmed. We have to work to keep our loved ones safe and protect communities. We have to work to stay strong, to stay connected, to stay focused. We have to work to inspire, to innovate, to build new solutions. But for all of our efforts to work, we have to work together. ZipRecruiter works to connect employers and people every day.Visit ziprecruiter.com/worktogether to find out more.

There's no better time than the end of the calendar year to update your farmers market budget! This week on Tent Talk, we chat about the need for a realistic and accurate budget and how it can help you grow your business. We'll also give you some tips for staying within that budget and how to make those tough decisions if you find yourself overspending. Making a budget for your business doesn't have to be scary! This week's episode is made possible by support from Gusto.

Bienvenido a la dimensión Bastarda. Sin importar donde te encuentres, sumérgete en esta dimensión y haz ajeno todo lo demás. Con buenísimos descubrimientos musicales y una conversación a base de puras banalidades sublimes. Disfruta una voz femenina honesta y directa que sabe lo que los hombres quieren; una rola chingona de Alan Vega, onda rockola pero del 2007; Tomo Tom club: una rola para no dejar de escucharla todo el día, un par de canciones funk con actitud y más. Así que dale click y desconéctate de todo lo demás; peínate las patillas, desabróchate el cinturón, saca la panza y suéltate la greña! --- Send in a voice message: https://anchor.fm/los-bastardos-con-suerte/message

Jessica of The Fioneers shares 4 strategies to negotiate a higher starting salary. This is part 2 of 2. Episode 1703: [Part 2] 4 Strategies to Negotiate a Higher Starting Salary by Jessica of The Fioneers on Getting Paid Jess and Corey started The Pioneers as a way to track their journey to financial independence. If there's anything they have learned so far, it's that Financial independence has many definitions. They choose to think of financial independence as: The point at which their assets produce enough sustainable income to cover their living expenses. This is not just about the money, but more importantly, about the freedom that comes with it. The name “The Fioneers” comes from a combination of: Financial Independence (FI) + Pioneers. They think the name fits well with their deep-rooted love of adventure. It's also a constant reminder to enjoy the journey.  The original post is located here: https://thefioneers.com/negotiate-salary/  Gusto is an easy, online payroll and benefits service built for modern small businesses — one place to pay and take care of your hardworking team. Get three months free when you run your first payroll by visiting Gusto.com/ofd  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

About This Episode: Each week on Thursday thoughts, we look into my thoughts on relevant issues that week. What I learned from Eric Rogell The need for Core Values Civilizational collapses Nick Swisher and what losing can teach you about winning. Phil Murphy, mail in ballots and another steal? Learn more about this episode: Interview with Eric Rogell - https://www.jeremyryanslate.com/929 Election News: Murphy Prevails in New Jersey, Staving Off a Second Major Democratic Loss - https://www.nytimes.com/live/2021/11/03/us/election-updates New Jersey GOP Twitter post - https://twitter.com/njgop/status/1456033504731537413?s=10 Interview with Nick Swisher - https://www.jeremyryanslate.com/907 Check out our YouTube Channel: Jeremyryanslatebiz Make Extraordinary a reality: jeremyryanslate.com/extraordinary See the Show Notes: www.jeremyryanslate.com/930 Sponsors: Gusto: This episode is sponsored by Gusto. Run your payroll the easy way, the same way we do at Command Your Brand. You'll get a. $100 Amazon Gift Card just for running your first payroll! http://www.jeremyryanslate.com/gusto MyPillow: Use the promo code: CYOL to get up to 60% off https://www.mypillow.com/ Audible: Get a free 30 day free trial and 1 free audiobook from thousands of available books. Right now I'm reading " Woke, Inc. Inside Corporate America's Social Justice Scam " by Vivek Ramaswamy www.jeremyryanslate.com/book  

SponsorsCenter Card:  https://cloudaccountingpodcast.promo/centerBaCo Tech: https://cloudaccountingpodcast.promo/bacoReach Reporting: https://cloudaccountingpodcast.promo/reachNeed CPE? Subscribe to the Earmark Accounting Podcast: https://podcast.earmarkcpe.comGet CPE for listening to podcasts with Earmark CPE: https://earmarkcpeShow Notes1:25 – We're back from Scaling New Heights! Teslas, double-decker booths, and vaccination tales, oh my!  8:25 – Wanna win a Tesla? Go here: https://use.expensify.com/teslagiveaway ExpensifyApproved! Accountants Can Win a Free Tesla from Expensify!https://www.businesswire.com/news/home/20211025005776/en/ExpensifyApproved%21-Accountants-Can-Win-a-Free-Tesla-from-Expensify 10:15 – Scaling New Heights 2022: Thrive https://www.woodard.com/2022-scaling-new-heights-registration 11:13 – Parker Conrad's Rippling is now valued at $6.5 billion — more than Zenefits at its peakhttps://techcrunch.com/2021/10/21/parker-conrads-rippling-is-now-valued-at-6-5-billion-more-than-zenefits-at-its-peak/ 16:25 – Woodard Announces Partnership with Wolters Kluwerhttps://report.woodard.com/articles/woodard-announces-partnership-with-wolters-kluwer-fpwr 18:20 – Gusto acquires Remote Teamhttps://www.accountingtoday.com/news/gusto-acquires-remote-team 19:40 – FBI Raids Chinese Point-of-Sale Giant PAX Technologyhttps://krebsonsecurity.com/2021/10/fbi-raids-chinese-point-of-sale-giant-pax-technology/ 22:46 – What's new in QuickBooks Online: October 2021https://quickbooks.intuit.com/blog/whats-new/whats-new-in-quickbooks-online-october-2021/ 25:55 – Audit Sight takes on new capital to eliminate all of the back and forth between auditors, companieshttps://techcrunch.com/2021/10/22/audit-sight-takes-on-new-capital-to-eliminate-all-of-the-back-and-forth-between-auditors-companies/ 27:54 – Xero serves US CrossFit community as preferred accounting platformhttps://www.xero.com/blog/2021/10/us-crossfit-community-preferred-accounting-platform/ 29:57 – Accountants' favorite apps: 2021 editionhttps://www.accountingtoday.com/list/accountants-favorite-apps-2021-edition 36:10 – Blake is Relay's new Accounting Community Advocate    https://www.accountingtoday.com/list/on-the-move-sax-presents-annual-founders-award 38:59 – SURVEY: Office 365 Dominates Accounting Officeshttps://cpatrendlines.com/2021/10/14/survey-office-365-dominates-accounting-offices/ 43:50 – ProPublica is hiring an accountanthttps://www.linkedin.com/jobs/view/finance-associate-at-propublica-2781745917 46:31 – CEO Video Series: Putting Destination CPA Back on Accounting Students' Radar https://vimeo.com/638007048 51:31 – A CPA Pipeline Report: Decoding the Declinehttps://www.icpas.org/information/professional-issues/decoding-the-decline 53:14 – Apple's Most Back-Ordered New Product Is Not What You Expecthttps://www.nytimes.com/2021/10/29/technology/apple-polishing-cloth.html 57:03 — Listener Mail – Thanks, Ryan Pearcy! Check out his podcast, Digi-Tools in Accrual World! https://digitoolsinaccrual.world/ 58:49 – Man spent $57,789 in coronavirus relief aid on a Pokémon card, feds sayhttps://www.npr.org/2021/10/25/1049011060/coronavirus-relief-aid-pokemon-cardGet in TouchThanks for listening and for the great reviews! We appreciate you! Follow and tweet @BlakeTOliver and @DavidLeary. Find us on Facebook and, if you like what you hear, please do us a favor and write a review on iTunes, or Podchaser. Interested in sponsoring the Cloud Accounting Podcast? For details, read the prospectus, and NOW, you can see our smiling faces on Instagram! You can now call us and leave a voicemail, maybe we'll play it on the show. DIAL (202) 695-1040Need Accounting Conference Info? Check out our new website - accountingconferences.comLimited edition shirts, stickers, and other necessitiesTeePublic Store: http://cloudacctpod.link/merchSubscribe Apple Podcasts: http://cloudacctpod.link/ApplePodcasts Podchaser: http://cloudacctpod.link/podchaser Spotify: http://cloudacctpod.link/Spotify Google Play: http://cloudacctpod.link/GooglePlay Stitcher: http://cloudacctpod.link/Stitcher Overcast: http://cloudacctpod.link/Overcast ClassifiedsFuture Firm: https://futurefirmaccelerate.com/Accounting Podcast Network: https://accountingpodcastnetwork.com/Go here to create your classified ad: https://cloudacctpod.link/RunClassifiedAd  Want to get the word out about your newsletter, webinar, party, Facebook group, podcast, e-book, job posting, or that fancy Excel macro you just created? Why not let the listeners of The Cloud Accounting Podcast know by running a classified ad? Hit the show notes for the link to get more info.Full Transcript Available Upon Request - info@cloudaccountingpodcast.com

Hey CX Nation,In episode #143 of The CXChronicles Podcast we welcomed Eli Schwartz, growth advisor & best selling author of #1 rated book on Amazon "Product-Led SEO, The Why Behind Building Your Organic Growth Strategy". Eli and his team work with enterprises and startups to help them develop and implement growth strategies to scale their organic visibility in search. Eli's Clients include: Tinder, Coinbase, Gusto, Automattic, Insight Timer, Getaround, Handshake, Faire, Mixpanel, BlueNile, ThePillClub, G2, AllTrails, Gametime, and others. Adrian and Eli chat through The Four CX Pillars: Team,  Tools, Process & Feedback to share some of the tips & tricks that have worked for Eli over the years as he's worked with some major global brands. **Episode #143 Highlight Reel:**1. Thinking about organic growth activities to grow your business 2. Understanding how you can leverage SEO to find new leads & prospects3.  How to manage your ICP search experience & journey4. Leveraging customer surveys to understand their ever-changing needs 5. Using customer listening tours to remain focused  on what matters mostHuge thanks to Eli for coming on the CXCP and featuring his team's work and efforts in pushing the SEO and growth-demand generation space into the future[Click here to learn more about Product Led SEO](https://www.productledseo.com/)If you enjoy The CXChronicles Podcast, please stop by your favorite podcast player and leave us a review, this is the easiest way we can find new listeners, guests and future CX'ers & be sure to grab a copy of our book "The Four CX Pillars To Grow Your Business on Amazon today!CXChronicles -- Customer Experience Managed ServicesReach out to us now at Info@cxchronicles.com for more information www.cxchronicles.comSupport the show (https://cxchronicles.com/)

Lauren Keys of Trip of a Lifestyle discusses the value in owning less, but traveling more Episode 1699: Own Less; Travel More by Lauren Keys of Trip Of A Lifestyle on Minimalism & A Digital Nomad Life Since graduating from college in 2012, Steven has developed a healthy obsession with personal finance. Although he has no formal training in the field, he's taught himself a lot about saving and investing over the years. In addition to the normal stuff, he's also come up with quite a few unusual ways to make extra money, from credit card hacking, to buying and selling stuff on eBay, to ridiculous ventures like taking advantage of loopholes at casinos. After finding satisfaction in helping friends and family prepare for retirement, pay off their student loans, and navigate the confusing world of home buying, Steven wanted to share his thoughts on personal finance more publicly. His main motivation for blogging stems from a desire to help more people become financially free and change their lives for the better. The original post is located here: https://www.tripofalifestyle.com/perspective/own-less-travel-more/  Gusto is an easy, online payroll and benefits service built for modern small businesses — one place to pay and take care of your hardworking team. Get three months free when you run your first payroll by visiting Gusto.com/ofd  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

If you're a business owner, then you've probably experienced the emotional rollercoaster of entrepreneurship.  . To discuss this topic we are joined by Sarah Walton who is a success coach and the host of the Game on Girlfriend Podcast. As an intuitive business mentor, she has helped hundreds of women start and grow businesses that they love. We get into all kinds of juicy stuff like influence, imposter syndrome, money mindset, and the importance of using data to make conscious decisions, rather than letting emotions hijack success. We discuss  ways to avoid having a business turn into a metaphorical crazy, out of control ride that flies off the tracks. Being an entrepreneur, these days comes with a whole host of challenges, many of which we address in this episode. SHOW NOTES: Contact or Follow Sarah Walton: Website - Facebook - Instagram - TwitterGame on Girlfriend: Podcast - YouTubeFreedom Calculator - Free Download For more information, see the complete show notes here. https://www.getthebalanceright.net/blog/episode69CONTACT HEATHER:Contact Heather: Instagram - LinkedIn - Clubhouse @zeitzwolfeGet the Balance Right Coaching: WebsiteBook a Discovery Call (via Zoom) - Click HereHeather & Get the Balance Right - Link TreeZeitzwolfe Accounting: Website  - FacebookHey Female Entrepreneurs! Let's party! Join me each month

About This Episode: Eric Rogell is the host of the popular “Warriors, Lovers, Kings, and Heroes” podcast, a sought after corporate speaker, bestselling author, a serial entrepreneur, and he helps high achieving executives and entrepreneurs build invincible relationships, inspire and engage their teams, and live with more passion and purpose in the both the boardroom and the bedroom. Making them more capable, more confident, more connected. He is an enemy of over civilization, and considers The Comfort Zone as the place dreams and passion go to die. Find out more about Eric at: Eric's Website - https://www.ericrogell.com/ LinkedIn - https://www.linkedin.com/in/ericrogell/ New England Patriots' Julian Edelman writes open letter to Meyers Leonard after Miami Heat center's anti-Semitic slur - https://www.espn.com/nfl/story/_/id/31038867/new-england-patriots-julian-edelman-writes-open-letter-meyers-leonard-miami-heat-center-anti-semitic-slur Eric Rogell Talks with Warriors, Lovers, Kings, and Heroes  - https://podcasts.apple.com/us/podcast/eric-rogell-talks-with-warriors-lovers-kings-and-heroes/id1476752772 Check out our YouTube Channel: Jeremyryanslatebiz Make Extraordinary a reality: jeremyryanslate.com/extraordinary See the Show Notes: www.jeremyryanslate.com/929 Sponsors: Gusto: This episode is sponsored by Gusto. Run your payroll the easy way, the same way we do at Command Your Brand. You'll get a. $100 Amazon Gift Card just for running your first payroll! http://www.jeremyryanslate.com/gusto MyPillow: Use the promo code: CYOL to get up to 60% off https://www.mypillow.com/ Audible: Get a free 30 day free trial and 1 free audiobook from thousands of available books. Right now I'm reading " Woke, Inc. Inside Corporate America's Social Justice Scam" by Vivek Ramaswamy www.jeremyryanslate.com/book  

Over a trillion dollars were lost to voluntary turnover in the USA last year alone. Replacing an employee costs an average of between 1.5 and 2 times their annual salary – and that's a conservative estimate. The salt in the wound? 52% of people who leave for a new job say that their management could have done something to keep them. So, how can you help your organization avoid becoming part of these unfortunate statistics? Can you give yourself permission to make your world so big that, when someone steps into it, they can have everything they want and never need to leave? Do you know the right questions to ask during the hiring process, questions that make instant connections and enable you to make a true commitment to each other that benefits both parties?As you listen to this episode, pay attention to how simple it can be to turn turnover around – and if you're the employee in this equation, know what you need to ask from your employer to make your job one that you never want to leave. Finding your ONE Thing could be easier than you think. One of the best things you can do to solidify your path on this journey is to join us at our Goal Setting Retreat so that you'll have the tools to know what you want out of your career five years or just five months from now. Find out more by heading to the1thing.com/setmygoals.And leaders: head to https://the1thing.com/corp-signup-v2 to request a one-on-one consultation where we can help you overcome your hiring and turnover challenges. To learn more, and for the complete show notes, visit: the1thing.com/pods.In this episode, you will learn...[01:00] About the big problem of turnover in business and how it's only getting worse[04:40] How to enlarge your world so as to become the kind of person other people never want to leave[06:50] About investing in your workers so that everyone wins--When you're busy, it can be a challenge to get dinner on the table every night.Sovereignty creates game-changing supplements to help your focus and your sleep. Their focus blend uses CBG and adaptogens to deliver results you can feel almost instantly. And their sleep blend calms the mind and body while helping you fall asleep and stay asleep.Visit sov.live and use code “ONE” for 20% off your first purchase.--Do you run a small business?Small business owners wear a lot of hats. Some of those hats feel incredible. However, filing taxes and running payroll... well, for most of us, they don't feel great. They're definitely not our ONE thing. That's where Gusto comes in to help you make payroll, taxes, and HR easy. So ask yourself: is it time to take off some of your hats?You can get three FREE months when you run your first payroll at Gusto.com/ONE.--Right now, we cannot be overwhelmed. We have to work to keep our loved ones safe and protect communities. We have to work to stay strong, to stay connected, to stay focused. We have to work to inspire, to innovate, to build new solutions. But for all of our efforts to work, we have to work together. ZipRecruiter works to connect employers and people every day.Visit ziprecruiter.com/worktogether to find out more.

Do you know how you can improve client-agency relationships to scale faster? Joe Koufman has worked in the agency world for over 20 years. He was actually a guest on the podcast during its first year. In 2014, he decided to use his experience in marketing, business development, and management to create Setup, a company that works to connect brands and marketing agencies by helping companies find the right agency to meet their needs at a given time. Today he returned to the podcast to discuss what clients look for in an agency, how does a successful client-agency relationship looks like, why you shouldn't be afraid to challenge your clients, and more. 3 Golden Nuggets What do clients look for in an agency? Setup has set out to really understand client-agency relationships and asked several companies what are some of the things that matter to them in their agency partner. They found that most clients really don't care about things like proximity, size of the agency, or awards. Clients were mostly looking for chemistry, transparency, good communication, and creativity. As to the things they wished agencies knew, they wanted agencies to be more strategic partners. They also wished agencies had a better understanding of their business and that they understood that not all ideas could be executed. Building better agency-client relationships. It was curious that, when asked about what they wished to improve in the client-agency relationship, both parties seemed to ask for the same things. The reality is that, in order to have a good client-agency relationship, they need to have shared goals, sharing common KPIs. And, of course, there must also be a high level of transparency between client and agency, even some vulnerability in terms of what they are sharing. A big frustration for clients was when agencies claimed to be good at something that they are not. Agencies have to set clear expectations and be completely transparent and candid about what they do well and what they don't do well. Don't be afraid of tension. “You're not looking for harmony,” Joe says, “you're looking for tension in the relationship.” Don't strive to be your client's buddy. You can be buddies with your sales rep, but never buy anything from them. The idea is that you push the client and bring them an insight that's not obvious to them. Get them to agree that there's an issue in their organization and then present your solution and the best option. Remember that usually, clients don't hire an agency because they want order takers. They hire an agency because there's an unmet need. “The byproduct of being a real challenger,” Joe assures, “is relationship.” Sponsors and Resources Gusto: Today's episode is sponsored by Gusto, an all-in-one people platform for payroll, benefits, HR where you can unify your data. Gusto automatically applies your payroll taxes and directly deposits your team's paychecks, freeing you up to work on your business. Head over to gusto.com/agency to enjoy an exclusive offer for podcast listeners. Subscribe Apple | Spotify | iHeart Radio | Stitcher | Radio FM The Byproduct of Being a Real Challenger is Better Client-Agency Relationships Jason: [00:00:00] What's up, agency owners? Got another exciting show for you. One of my good friends from Atlanta that was actually back on the podcast the first year we've done this. And we're going to talk about building client relations so you can scale your agency faster. So let's go ahead and get into the show. Hey, Joe. Welcome back to the show. Joe: [00:00:27] Hey! Thank you. It's been a long time since I've been on this show. Jason: [00:00:31] Yeah, I mean… seven years? And that back with the intro in the, in the video with the cup. I was like, oh, I'm here. Joe: [00:00:42] We, uh, we haven't aged a bit in seven years. Jason: [00:00:45] No, I've, I've just gotten a lot more gray in my beard. Um, a lot more gray. Yeah. No, you've always been kind of peppered. I think… Joe: [00:00:56] Yeah. Just more so. Jason: [00:00:57] Exactly. Well, um, tell everybody who you are and tell them a little bit about your, uh, your background of working with the agencies. Joe: [00:01:05] Sure. So I'm Joe Kaufman, I'm the founder and CEO of Setup and we are marketing matchmakers, meaning that we connect brands and marketing agencies together. So from an agency perspective, um, what that usually means is that we connect agencies with potential clients. From a client perspective, they look at us as a search consultant or a, an augment of their team to help them find agencies that can fill gaps in either capacity. Like they don't have enough arms and legs to do the work they need to do. Or capability, they're missing some capability that an agency could fill. Jason: [00:01:43] Very cool. Awesome. Well, let's, let's kinda talk about what people are listening in for is like building better relationships and, you know, and re-engaging. You know their client year after year, you know, because you, you've worked for, you know, many agencies in the past before doing the matchmaking service. We've had a lot of those guests on from Hill Meyer. It's, uh, you know, uh, Sims and those guys. So I guess let's, let's get into that. How can agencies build better relationships to scale better? Joe: [00:02:15] We, we think a lot about that agency-client relationship. And to that point, we actually do an annual marketing relationship survey. Um, Ad Age actually picked it up, uh, earlier this year, which was pretty cool. But basically what we wanted to do is understand what the reasons are that clients look for agencies. Why do they hire agencies? What do they expect out of their agency relationships? And, um, and we also actually did an event earlier this year, where we were calling it group therapy for the agency-client relationship. And we add a bunch of agency people and a bunch of clients on a Zoom call and we talked through that relationship. Um, you know, as I mentioned before, the clients often look for agency support because of an issue with capacity or an issue with a key capability that they're missing. And, um… That survey that we do annually to understand that relationship, we ask clients, what are some of the things that matter to you in your agency partner? When you're looking for a new agency partner. And the things we didn't hear, the things that came up really low on the list were things like proximity. You know, I don't care if my agency is down the street. Particularly in the days of a pandemic I really don't care where my agency's located physically. I don't care so much about the size of my agency. Smaller agencies can do amazing work for larger clients. Um, I don't care so much about what awards they've won. Just agencies often… Yeah. Agencies often think awards are important. And for some clients, they really do care, but most don't care about… Jason: [00:04:00] Well, those clients are idiots. Did I ever tell you that…? Did I ever tell you the story of, um, we were pitching Mellow Mushroom and, uh, they… If you've ever been to their office, it's like in the middle of nowhere and they were joking around about oh, here's a map to find her office. And like, I want you to show you how, how, how I want you to show me how creative you are. So I showed up at their office in full camping gear. Like they thought I was a homeless person. And like I had like the portfolio in this bag… like, and they were like, we loved it, but we're going with… You mentioned in the pre-show. I won't, I won't bash them now. Um, so I won't bash them on the show. But they were like, we're going with so-and-so because they won a ton of Addy awards and we want to win an Addy award. And I tell them, I go, I'm never eating your pizza ever again. Joe: [00:04:56] You don't want to sell pizza. You just want to win awards. Jason: [00:04:59] Yeah, I've never eaten your pizza. Joe: [00:05:01] That's right. You, you reminded me of a time that I wore an entire cowstume to the Chick-fil-A headquarters. Um, and my goal was to not smile the entire time. I was just going to be deadpan serious. Everybody would cut off pointing at me when I was walking through the lobby and walking through the… The women that check you in at the front desk did not think I was funny. Uh, and in fact, the client told me two or three times during the meeting to please keep my utters underneath the table. He said he found them a little bit disturbing. Jason: [00:05:33] What you should have done is started messing with your utter… utters. Joe: [00:05:38] I, I may or may not have done that. Maybe that was the reason he said that. But, um, I did think it would have been really fun to get some camelbacks or something and have like chocolate milk come out of one and strawberry milk and vanilla and whatever. But… Jason: [00:05:53] And then could be like just tap me. Joe: [00:05:57] Right. But it was an innovative idea for a client. I mean, dispensing cow milk dispensing cow on site. Uh, but anyway, so, uh, we, we found through the survey that, you know, those, those things are less important to clients. The awards, location, size, et cetera. What they really care more about is some of the soft and intangible things that the client can do well. Like… I'm sorry that the agency can do well. Like, um, they're looking for chemistry and relationship and transparency and, and good communication. And they're looking for, um, you know, creativity, uh, th, there are not… Many of those things are things that are within an agency's control. Um, and you know, we did, I mentioned, we did an event where we asked the questions, what things… What do you wish agencies knew? You know, we ask clients, what do you wish agencies knew? And they said things like we wish they were more strategic partners for us. We wish that our agency would help us navigate some of the bureaucratic red tape within our organization. Um, we want them to act as an extension of our team. We want them to I understand that not all ideas can be executed. Sometimes agencies come with these big glossy, creative ideas, but there's just not realistic for, for this client. And they wished that the agency would just understand their business better. Um, we built a series of resources for clients, um, in our resources section of our site. And, you know, there's a complete guide to finding a marketing agency in there. There's a scorecard in there that... There's two versions of the scorecard. One version is if the client is trying to decide between three or four different agencies, how do you choose in a pitch kind of situation? But the other scorecard is made for agency or for clients to evaluate their agency on an ongoing basis to see if they still are feeling the love. Jason: [00:08:05] Yeah. And what are some of those…? What are some of those questions that the clients are actually looking at? Joe: [00:08:12] Yeah. I mean, how, how creative is agency? How, how innovative are they in terms of, you know, finding new ways of doing things? How good is their, their, their communication? How good is their project management, their service? Um, you know, uh, uh, how are, how tech savvy are they? Even if they're not a technology agency, or, you know, a CRM agency or something like that. You still want to know that they're leveraging the best tools and that kind of thing. Um, and you know, we do it like a scorecard. I mean, they can rate each category and section and then decide is this agency is still the right one for me in the future? Um, the flip side of that conversation that we had about what, uh, you know, clients wish agencies knew. We asked the agency people what they wish clients knew. And I'm sure some of your listeners will, you know, feel some of these things. They, they wish that the clients would be patient and answer also, but also answer all the questions that you ask. When, when an agency asks a lot of questions, it's usually to uncover some insights so that they can deliver value for the client. They wish that the client would lean on the agencies for their expertise in a bigger way. They wished that the client would provide all of the crucial information upfront. I think sometimes there's a hesitancy for a client to open the kimono and give you everything as an agency. But if you truly want your agency to be a partner and not a vendor, then you gotta be really. You know, up front about all of the, the, um, information that might be useful. Jason: [00:10:00] Taking care of your employees has never been more important than right now. And while paydays are great, running payroll is a major pain, calculating taxes, deductions, compliance. None of it's easy, unless of course you have Gusto. Gusto is a simple online payroll and benefits built for your small business. Gusto automatically applies your payroll taxes and directly deposits your team's paychecks, freeing you up to work on your business. Plus, with Gustos help, you can offer benefits like 401k's health insurance, workers' comp, and a lot more. And because you're a smart agency masterclass listener, you're going to get three months free once you run your first payroll. Go to gusto.com/agency. That's gusto.com/agency for three free months. Well, you, you, you know what, like… I'm glad you're going over this part. Because if I had one of my agency clients go to me going, and I wished they could do this, I'm like, well, hey, dumb ass, they could. You're taking on the wrong prospect. Um, you know, I, I did a video, I think back around when you were back on the show, and I remember it was the worst background. I looked like Oompa Loompa in it. And the title of it was like, there's no such thing as a bad agency client, there's only a bad prospect or a bad process. And if you don't have the right, if you don't have the right qualification to check, if that prospect is legit or going to be a nightmare client, or it was going to be good. Because like, you've been on so many pitches, like I have, right? Including the cow utter or, or the campaign… Joe: [00:11:54] That, that was planning for cow appreciation day. So it was very appropriate to wear a cowstume. Jason: [00:12:00] Of course, of course. I mean, right? So we've been on all these pitches and like, if you can look back at when the guy was offended by your utters, right? It'd be like, you're probably not going to be a really good client for us. I don't care if your Chick-Fil-A. Uh, like, I need to pick. And then the other point, I think that you mentioned, you know, like kind of like to sum it up is that the end of the day, the agency needs to be the advisor. You can be a really good advisor if you really get laser focused at what you're going after. And having a niche or a specialization rather than a generalist and going after all the big brands. Like when we did that, it was just challenging. But when we started going after automotive, I could talk to Porsche, I could talk to Lotus, talk to Maserati. Like I was like, hey, I speak your language, guys. I race cars too. Like, I'm one of you. So… Joe: [00:12:53] Yeah. Super cool. Yeah, we, it is interesting that, um, they both sides of the equation were talking similar language though in terms of what they were looking for when it came to strategy. And I thought that was interesting that clients were saying, I wish my agency were more strategic. And then the agency people were saying things like, I wish my client would let me be more strategic. So, you know, we, we started that conversation like the old book from the, I guess it was the 80s or something. Men are from Venus & Women are from Mars or whatever it was. And that was sort of like the agencies and clients. But the reality is the best agency-client relationships have shared goals. You know, do you have shared and common KPIs, your key performance indicators that you're trying to achieve. And, you know, sometimes clients will give their agencies skin in the game and, and tie their compensation to, you know, some metric that is important to the larger business. But at the end of the day, those best agency, client relationships, you know, there's no surprises. There's a high level of transparency between client and agency. There's some vulnerability there in terms of sharing, more than you maybe should on purpose. Um, and then just being super clear with expectations about, you know, and that goes on both sides. I mean, the agencies setting clear expectations and being completely transparent and candid about what they do well and what they don't do well. Uh, a big frustration for a lot of clients that we talk to is, you know, my agency says they're good at everything. And I know that they're not. Jason: [00:14:35] Yeah. Yeah. They're full of shit. Yeah. I mean, at the end of the day, it's even if you have the client that like when… Going back to I wish I could be more strategic and I wish you were more strategic… Well, it sounds like, you know, if you find the right client, like it's about the communication or the process in order to show them that, rather than going, you should go do this, but then you can't back it up. I'm like… Joe: [00:14:57] Yeah. There's a, there's a book that I've always loved since I first read it. And I recommend it to a lot of people in The Challenger Sale. And I think you've probably read it. But the concept of The Challenger Sale, the biggest concept to me is you're looking for tension in the relationship. You're not looking for harmony in the relationship. Or relationship… people think they want to hire a relationship builder as a sales guy or saleswoman. The reality is a relationship builder. You can be buddies with your sales rep, but never buy anything from them. But those that really challenged… So the idea of the challenger sale in the book is you push the client, you bring them an insight that's not obvious to them. You get them to nod their head that, yes, that same issue happens within my organization. And then it only, then that they've nodded their head and said, yes, this happens within my organization, you can present your solution as the best. Or maybe the only way to solve that specific challenge or problem. And, um, and I had always been that way with clients where I was constantly, you know, pushing them and looking for tension. And there's a fun byproduct of being a real challenger and the by-product is relationship. Um, because I think that the clients will appreciate... I don't think clients hire an agency because they want order takers, usually. They hire a client, they hire an agency because there's some unmet need. You know, we talked about capacity or capability need, and they feel that the agency could not only solve that problem, but help them think through the future and, and overcome challenges that they haven't even anticipated yet. Jason: [00:16:48] Yeah. We, we were talking about this in our mastermind. We were helping a member out. Um, and they just, their close rate just kept going down and down. And everyone, a lot of people were starting to focus on the end. Like what, how are you asking for the close? We're like, let's start at the very beginning and let's, how are you setting up the meeting? Like, how are you starting the meeting? Are you letting them know…? Like whenever I would do a sales call, I'd be like, hey guys, I'm like, I'm going to build rapport really quick, but I'm not going to be their friend. The friend can come later on, but if they look at me as a friend, they're never going to buy from their friend, they have to, I have to position as an advisor. And then right after I do that, I'm like, hey, I have this quick little framework I'm going to go through to make sure we stay on time and make sure I can really figure out what your biggest issue is so we can fix that out. Can we, can we stay on track? And like, if you audit your process, like start from the very beginning a lot of times people get off track there. And then what do we have happen? The prospect just won't shut up for 40 minutes. They tell you this crap story that you don't need right now. Um, I'm being nice. Uh, but among … Joe: [00:18:00] Yeah. Well, or even go back further. I mean, you know, and to you, you kind of made this point earlier a little bit, which is, are you prospecting the right kind of opportunity? You know, before you even get to the meeting or the conversation, is it the right person? Uh, back when I was at a small digital shop, when I began, you know, my, my mark, my agency career, I had four criteria to determine if I wanted to pursue an opportunity. One was, do we want their logo on our logo slide? You know, is it a brand that we just really need, we really want? Number two was, is it a hundred thousand dollars in revenue and profitable for us as an agency in terms of opportunity? Third was does it teach us a new skill that we need to have? We just don't have today. And then fourth was, are there hungry mouths to feed within the agency? And we just, we'll take it even if it doesn't meet those three criteria because the thing that they need is the exact thing that we have some capacity on right now? Over time, we became part, we were acquired and became part of a kind of medium-size full service agency. We went from 50 people to 250 people. And that number, that second criteria, which was a hundred thousand dollars, became 200 became 500,000, became a million. And by the time we sold to a massive holding company in 2013. Um, I was… if I didn't see a million dollars in revenue in year one, they were too small. And it wasn't just size, but it was just the commitment of does this client…? Are they committed to marketing and working with us on a larger scale than just, we want to give you a little project here? And that doesn't mean we would never take on a project if it was a foot in the door that meant, you know… We would get in and get an opportunity to earn the larger piece of business. But we were really careful about that. We wanted to know that there was a path to a million dollars in revenue in year one. Um, and, and I think, you know, setting those parameters upfront, you know, if you're talking about an agency business development standpoint… You need to have your criteria. I have, an agency we work with that, um, that also has a PITA criteria. Do we think that the client is going to be a pain in the ass? And if the answer is yes, I don't care how many… you know. There are some red flags that sometimes occur upfront. To your point, when you're first having the conversation that the money looks attractive, but maybe you should run away. Jason: [00:20:43] Yeah. Trust your gut, your gut never lies. Joe: [00:20:46] And I'll give you one other piece that you probably experienced in your days running an agency. But nothing is motivational to the team in a positive way, in a very positive way than you firing a pita client. Um, you know, if a client truly is abusive or, you know, doesn't treat the agency like a strategic partner and treats the agency like a vendor or something like that, um, it's not worth the revenue. It's just not. And, and nothing, nothing helps your team be more supportive of the overall mission of the agency than when you say, look, we won't tolerate… You know, a client that's not supportive, not, not, uh, that that's abusive or… Jason: [00:21:36] Yeah, we. Yeah, I can't agree with you more on that. I mean, we literally, there was a… There was a member in the mastermind, not too long ago, that was doing stuff that we didn't agree that we asked to leave. Um, and then it just rallies the other, the other people. They were like, oh wow, they're not just, just taking for the money. They'll defend me. Um, and, uh, yeah, I think it says a lot about your company and character in that. So… Well, this has all been amazing, Joe. Is there anything I didn't ask you that you think would benefit the audience? Joe: [00:22:13] Um, I would just say that if there's an agency that's interested in growth, um, there are certainly… We can offer some services that help growth. Um, the four primary services can be found at setup.us/four-agencies. And I can send you a link to that. But essentially the services are around how do you help the agency position itself for growth? How do you, um, really uncover insights about the agency, that'll help you do that. And then we actually do help agencies grow through business development services on our sustainable pipeline. So we do have some pretty strict criteria about the kinds of agencies that we'll take on to work with. So we're not working with really small agencies. If they've got fewer than say 50 full-time employees, we probably won't we'll work with them on an ongoing… You know, sustainable pipeline basis. But happy to have the conversation with, with anyone that might be interested. Jason: [00:23:14] Awesome. Well, thanks so much, Joe, for coming on the show and everybody go check out their website. If you have more than 50 employees and you need help, go check them out. And if you want to be around amazing agency owners on a consistent basis where they can see the gaps that you're not able to see. Help you climb that mountain a lot faster, prevent those falls from crashing in the crevasses. Uh, I want you guys to go to a digitalagencyelite.com. This is our exclusive mastermind for experienced agency owners. And until next time have a Swenk day.

Darrow Kirkpatrick shares the 3 great misconceptions about retirement saving. This is part 2 of 2. Episode 1696: [Part 2] The 3 Great Misconceptions About Retirement Saving by Darrow Kirkpatrick of Can I Retire Yet Darrow Kirkpatrick is the founder of CanIRetireYet.com. He began serious investing in his mid-30s and retired at age 50. He's not a dot com millionaire and didn't become financially independent by flipping real estate or trading hot stocks. He did it the traditional way: hard work, frugality, prudent investing, and patience. When it comes to personal finance, his top priorities are simplicity, reliability, and safety. Now his mission is to help others become financially independent as he did. More recently, Chris Mamula has been managing the blog and he's a frequent writer on the site. Chris used principles of traditional retirement planning, combined with creative lifestyle design, to retire from a career as a physical therapist at age 41. After poor experiences with the financial industry early in his professional life, he educated himself on investing and tax planning. Now he draws on his experience to write about wealth building, DIY investing, financial planning, early retirement, and lifestyle design. The original post is located here: https://www.caniretireyet.com/3-great-misconceptions-retirement-saving/  Gusto is an easy, online payroll and benefits service built for modern small businesses — one place to pay and take care of your hardworking team. Get three months free when you run your first payroll by visiting Gusto.com/ofd  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Michelle Schroeder-Gardner of Making Sense of Cents discusses whether or not you should go on vacation if you have debt Episode 1694: Should You Go On Vacation If You Have Debt by Michelle Schroeder-Gardner of Making Sense of Cents Michelle Schroeder-Gardner created Making Sense of Cents in order to help improve her own finances. With diligence, she was able to pay off $38,000 in student debt in 7 months, kept track of progress, and helped readers along the way. She's currently touring North America and living out of an RV. You can learn more about her and see her monthly income reports at MakingSenseOfCents.com. The original post is located here: https://www.makingsenseofcents.com/2017/09/should-you-go-on-vacation-if-you-have-debt.html  Gusto is an easy, online payroll and benefits service built for modern small businesses — one place to pay and take care of your hardworking team. Get three months free when you run your first payroll by visiting Gusto.com/ofd  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Ingrid Y. Helander shares 4 reasons that worry scares you and how to be more fearless Episode 2148: 4 Reasons Worry Scares You and How to Be More Fearless by Ingrid Y Helander on Anxiety Relief Ingrid began her career in Marriage and Family Therapy after she had her three children. After her youngest son was diagnosed with a chronic illness, she decided that she wanted to train to work alongside people as they work through life's difficulties. She has a Master's Degree in Marriage and Family Therapy from Central Connecticut State University. Ingrid specializes in Internal Family Systems and and Intimacy from the Inside Out Couples Therapy. The original post is located here: https://ingridyhelanderlmft.com/4-reasons-worry-scares-you-and-how-to-be-more-fearless/  Gusto is making payroll, benefits, and HR easy for small businesses. Get 3 months free once you run your first payroll with our link: Gusto.com/OLD Visit Me Online at OLDPodcast.com  Interested in advertising on the show? Visit https://www.advertisecast.com/OptimalLivingDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

About This Episode: Each week on Thursday thoughts, we look into my thoughts on relevant issues that week. Andrew Bustamante - Consistency, Control, Control and Collaboration - everything I've done to here prepared me to be here. Tom Brady 600th Touchdown Ball - he traded: 2 signed jerseys and helmet, 1 signed mike Evans jerseys and cleats, $1,000 to the team store, 2 season tickets and 1 bitcoin ($62,000) for 1 football. Phil Murphy getting caught project veritas, here's the thing politicians lie. Be informed, don't live in it, create cool stuff take responsibility and educate you're self, but you create the future your mind spends time in create a better one. They're already creating 1984 for you, they don't need help. Learn more about this episode: Interview with Andrew Bustamante - https://www.jeremyryanslate.com/927 Phil Murphy advisor caught in Project Veritas Vaccination Mandate hidden video paid $60,000 by campaign, deleted all social media accounts - https://www.shorenewsnetwork.com/2021/10/25/phil-murphy-advisor-caught-in-project-veritas-vaccination-mandate-hidden-video-paid-60000-by-campaign-deleted-all-social-media-accounts/ Tom Brady Throws Bitcoin to Fan Who Returned 600th Touchdown Ball - https://www.bloomberg.com/news/articles/2021-10-26/tom-brady-throws-bitcoin-to-fan-who-returned-touchdown-ball-600 Check out our YouTube Channel: Jeremyryanslatebiz Make Extraordinary a reality: jeremyryanslate.com/extraordinary See the Show Notes: www.jeremyryanslate.com/928 Sponsors: Gusto: This episode is sponsored by Gusto. Run your payroll the easy way, the same way we do at Command Your Brand. You'll get a. $100 Amazon Gift Card just for running your first payroll! http://www.jeremyryanslate.com/gusto MyPillow: Use the promo code: CYOL to get up to 60% off https://www.mypillow.com/ Audible: Get a free 30 day free trial and 1 free audiobook from thousands of available books. Right now I'm reading " Woke, Inc. Inside Corporate America's Social Justice Scam " by Vivek Ramaswamy www.jeremyryanslate.com/book  

Liz of Frugalwoods shares ways to banish repeated expenses. This is part 2 of 2. Episode 1691: [Part 2] Frugality Is A Compounding Game by Liz of Frugalwoods on Ways of Banishing Repeated Expenses The Frugalwoods are ex-urban, rookie homesteaders finding contentment (and a lot of chores) on 66 acres in rural central Vermont along with their two young daughters. They write about a wide range of topics, including their experience as parents, their adventures as novice homesteaders, and the financial decisions that made their life possible. Their philosophy is that managing your money wisely enables you to pursue unusual aspirations and opens up a world of options for how to live your life. Through the application of frugality–coupled with good incomes and judicious financial management–they have created a life that they love living every single day. It's not a life beholden to consumerism or the drive for material perfection or the incessant clarion call for more. The original post is located here: https://www.frugalwoods.com/2016/06/27/frugality-is-a-compounding-game/ Gusto is an easy, online payroll and benefits service built for modern small businesses — one place to pay and take care of your hardworking team. Get three months free when you run your first payroll by visiting Gusto.com/ofd Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily

Liz of Frugalwoods shares ways to banish repeated expenses. This is part 2 of 2. Episode 1691: [Part 2] Frugality Is A Compounding Game by Liz of Frugalwoods on Ways of Banishing Repeated Expenses The Frugalwoods are ex-urban, rookie homesteaders finding contentment (and a lot of chores) on 66 acres in rural central Vermont along with their two young daughters. They write about a wide range of topics, including their experience as parents, their adventures as novice homesteaders, and the financial decisions that made their life possible. Their philosophy is that managing your money wisely enables you to pursue unusual aspirations and opens up a world of options for how to live your life. Through the application of frugality–coupled with good incomes and judicious financial management–they have created a life that they love living every single day. It's not a life beholden to consumerism or the drive for material perfection or the incessant clarion call for more. The original post is located here: https://www.frugalwoods.com/2016/06/27/frugality-is-a-compounding-game/  Gusto is an easy, online payroll and benefits service built for modern small businesses — one place to pay and take care of your hardworking team. Get three months free when you run your first payroll by visiting Gusto.com/ofd  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily

About This Episode: Andrew Bustamante is a former covert CIA intelligence officer, decorated military combat veteran, and successful Fortune 10 corporate advisor. After 20 years leading human and technical intelligence operations for corporate and government clients, Andrew founded EverydaySpy.com - the first-ever online platform designed to teach elite spy skills to everyday people. Featured in both US and International media, Andrew's training content has been praised for its innovative, authentic, and life-changing impact. When he isn't giving interviews, running spy exercises, or supporting private intelligence contracts around the world, Andrew lives with his wife (also an ex-CIA Officer) and two children in Florida. Find out more about Andrew at: Everyday Spy - https://www.Everydayspy.com Twitter - https://twitter.com/EverydaySpy Facebook - https://www.facebook.com/EverydaySpy Instagram - https://www.instagram.com/everydayspy/?hl=en YouTube - https://www.youtube.com/channel/UCXam0UQg9Xr0_OarTKNMFCQ Check out our YouTube Channel: Jeremyryanslatebiz Make Extraordinary a reality: jeremyryanslate.com/extraordinary See the Show Notes: www.jeremyryanslate.com/927 Sponsors: Gusto: This episode is sponsored by Gusto. Run your payroll the easy way, the same way we do at Command Your Brand. You'll get a. $100 Amazon Gift Card just for running your first payroll! http://www.jeremyryanslate.com/gusto MyPillow: Use the promo code: CYOL to get up to 60% off https://www.mypillow.com/ Audible: Get a free 30 day free trial and 1 free audiobook from thousands of available books. Right now I'm reading " Woke, Inc. Inside Corporate America's Social Justice Scam" by Vivek Ramaswamy www.jeremyryanslate.com/book  

Do you know the questions you should ask to ensure a happy, fulfilling, and lasting relationship? More importantly, do you know who you ask them to? (Hint: sometimes, the correct answer is yourself). Conversations are the backbone of a relationship, but that doesn't mean we know how to have them. Whenever one stops working, it's a safe bet that it's because of a breakdown of communication, be it not ensuring each other knows what's expected of them, or simply allowing a disconnect to take hold. Friend of the show and New York Times bestselling author, Susan Scott, founded Fierce in 2001, after 13 years of leading CEO think tanks and over 10,000 hours conversing with senior executives led her to realize that, while no single conversation is guaranteed to change the trajectory of a career, business, or life, any conversation can. This led to her sharing her valuable knowledge in the form of the Fierce book series, starting with the award-winning Fierce Conversations: Achieving Success at Work and in Life, One Conversation at a Time. Now, she's turning her insights toward the world of romance with the upcoming Fierce Love: Creating a Love That Lasts, One Conversation at a Time, so she joins us to lay everything out there: where do we go wrong in our love lives and what can we do to align them with our ONE Thing?THE ONE THING TO IMPLEMENT FROM THIS EPISODESusan Scott's philosophy is to take things one conversation at a time, but to really maximize what we get out of each one. Those conversations require us to think and define the parameters of what we want to get out of them – and, sometimes, that'll mean that we have the conversation with ourselves. That's the best way to discover our relationship ONE Thing. To learn more, and for the complete show notes, visit: the1thing.com/pods.In this episode, you will learn...[02:30] What inspired Susan to venture away from business and toward romance[13:50] Some of the myths that derail relationships[21:30] The most important conversations you can have[28:20] Susan's best advice for people starting their search for answersLinks & Tools From This Episodesusan@fierceink.com - email Susan and she'll alert you when the book is available to orderRead Susan's first book: Fierce Conversations: Achieving Success at Work & in Life, One Conversation at a Time--Do you sometimes wish your home were smarter?Somfy is an organization that creates motorized solutions that automate and connect blinds, shades, blades, rolling shutters, and so much more. Controlling the light that enters your house should not be such a hassle. Create your ideal smart home through Somfy.You can learn more or connect with a dealer by visiting somfysystems.com/podcast.--Do you run a small business?Small business owners wear a lot of hats. Some of those hats feel incredible. However, filing taxes and running payroll... well, for most of us, they don't feel great. They're definitely not our ONE thing. That's where Gusto comes in to help you make payroll, taxes, and HR easy. So ask yourself: is it time to take off some of your hats?You can get three FREE months when you run your first payroll at Gusto.com/ONE.--When you're busy, it can be a challenge to get dinner on the table every night.Sovereignty creates game-changing supplements to help your focus and your sleep. Their focus blend uses CBG and adaptogens to deliver results you can feel almost instantly. And their sleep blend calms the mind and body while helping you fall asleep and stay asleep.Visit sov.live and use code “ONE” for 20% off your first purchase.

In This Episode You Will Learn About: Embracing who we are, even the personality traits we've been conditioned to think are bad The ways that Rare Breeds can excel compared to other people What companies and leaders should be doing to maximize on Rare Breeds   Resources: Motto Learn More and Take the Rare Breed Quiz Text “PODCAST” to 310-496-8363 to get your questions answered on our Q&A segment or get coached on the show! Thanks to Gusto. Get three months free when you run your first payroll at gusto.com/lori Thank you, Butcher Box. Go to butcherBox.com/LORI to receive a FREE turkey in your first box.   Show Notes: Sunny Bonnell is the co-author of Rare Breed: A Guide to Success for the Defiant, Dangerous, and Different. She's here to break down what being a Rare Breed really means and why companies should look out for them. Many of us feel different from the norm in one way or another but we learn to suppress those parts of ourselves that don't fit in. That's rarely the right move because it's these differences that give us an edge over everybody else – and businesses are starting to take note of it.   Question Highlights: What brought the book about? Can you define “rebellious” for us? How do you know when you go too far as an audacious person? How can businesses better integrate rare breeds into their way of working?   Guest Bio: Sunny Bonnell is the co-author of the groundbreaking business book Rare Breed: A Guide to Success for the Defiant, Dangerous, and Different, as well as co-creator of Rare Breed, the popular YouTube series, and co-founder of the game-changing leadership and brand consultancy, Motto. Named Inc. 30 Under 30, GDUSA Top 25 People to Watch, and interviewed by Entrepreneur, Yahoo!, Forbes, Wall Street Journal, The Breakfast Club, and hundreds more, Sunny has earned her way to the front of a workplace revolution and has devoted her work to inspiring people to think with the Rare Breed mindset to demand more of themselves, their careers, and their companies. With her business partner, Ashleigh, she has worked with the world's most visionary leaders and ambitious companies to break the status quo including Google, Microsoft, The NFL, Hershey's, USA Today, and Twentieth Century Fox. Their breakout book recognizes and examines a new kind of leader - the Rare Breed - those who dare to be different in a sea of sameness, and offers a guide to navigating your own notorious personality traits that can lead to incredible breakthroughs and triumphs in business and in life. 

ESI of ESI Money shares the key to early retirement Episode 1689: Key to Early Retirement - Margin of Safety by ESI Money on Ways To Creating Financial Independence ESI Money is written by "ESI", a 50-something retiree. The site is basically a list of what's allowed him to become financially independent and how you can implement those successes in your life. His philosophy is simple and focuses on doing three simple things to achieve financial independence: earn, save, invest. There's a bit more to it than that, of course, but if you can concentrate on these three areas, they will get you at least 90% of the way there. The original post is located here: https://esimoney.com/key-early-retirement-margin-safety/ Gusto is an easy, online payroll and benefits service built for modern small businesses — one place to pay and take care of your hardworking team. Get three months free when you run your first payroll by visiting Gusto.com/ofd Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily

ESI of ESI Money shares the key to early retirement Episode 1689: Key to Early Retirement - Margin of Safety by ESI Money on Ways To Creating Financial Independence ESI Money is written by "ESI", a 50-something retiree. The site is basically a list of what's allowed him to become financially independent and how you can implement those successes in your life. His philosophy is simple and focuses on doing three simple things to achieve financial independence: earn, save, invest. There's a bit more to it than that, of course, but if you can concentrate on these three areas, they will get you at least 90% of the way there. The original post is located here: https://esimoney.com/key-early-retirement-margin-safety/  Gusto is an easy, online payroll and benefits service built for modern small businesses — one place to pay and take care of your hardworking team. Get three months free when you run your first payroll by visiting Gusto.com/ofd  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily

Benjamin Hardy talks about the essential daily habit that barely anyone does Episode 2141: Only 1% of Americans Do This Essential Daily Habit by Benjamin Hardy on Building New Habits & Decision-Making Benjamin Hardy has been the top writer on Medium.com since late 2015. He focuses on self-improvement, motivation, and entrepreneurship. His writing is fueled by his personal experiences, self-directed education, and formal education. His research focuses on the psychological differences of "wantrepreneurs" and actual entrepreneurs. He lives in Clemson, South Carolina with his wife and they are the foster parents of 3 children. The original post is located here: https://bettermarketing.pub/1-of-americans-do-this-essential-daily-habit-1c1650724740  Gusto is making payroll, benefits, and HR easy for small businesses. Get 3 months free once you run your first payroll with our link: Gusto.com/OLD Visit Me Online at OLDPodcast.com  Interested in advertising on the show? Visit https://www.advertisecast.com/OptimalLivingDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Krista O'Reilly-Davi-Digui of A Life In Progress offers 5 simple steps to help you change a lifestyle habit Episode 2134: 5 Simple Steps to Help You Change A Lifestyle Habit by Krista O'Reilly-Davi-Digui of A Life in Progress Krista O'Reilly-Davi-Digui's mission as a Joyful Living Educator is to help messy humans like herself quiet the noise of perfectionism, comparison and fear to show up fully to their imperfect and beautiful lives and/or businesses. Her message can be summed up in 3 sentences: You're imperfect; Life is messy; Show up anyway. Krista will help you figure out how. She has a new Seasonal Mindfulness Journal available here: The original post is located here:   Gusto is making payroll, benefits, and HR easy for small businesses. Get 3 months free once you run your first payroll with our link:    Interested in advertising on the show? Visit