Podcasts about homesite

Sage words from a sexless marriage counsellor.Homesite: michaelformanwriting.com

Woman asks counsellor if she should leave her sexless marriage.Homesite: michaelformanwriting.com

Want to know their secrets? Here are 19 of the best tips. Homesite https://michaelformanwriting.com

Many people dream about leaving their sexless marriage. This is a story about someone who did... by boat. Homesite: https://michaelformanwriting.com

Intimacy pain is real. Now we get a chance to put two kinds of intimacy pain head to head to see which one hurts more. Homesite: https://michaelformanwriting.com/

Wouldn't it be nice if we could do something more to help turn our spouses on? Homesite: https://michaelformanwriting.com/

Have you considered that your spouse is asexual and doesn't know it? Listen now! Homesite: https://michaelformanwriting.com/

Painful sex has led this couple down a long-term sexless path. Listen now. Homesite: https://michaelformanwriting.com/

Do you dread the upcoming holidays, knowing that while you'll put on a brave face for family and friends to see, deep down, you're about as lonely as a person can get? Homesite: https://michaelformanwriting.com

The title says it all. Homesite: michaelformanwriting.com/

Ever wish you could go back and include SEX in your wedding vows? Homesite: michaelformanwriting.com

Best friends don't always make good lovers. Homesite: michaelformanwriting.com

This story comes from Nigeria, Africa. A marriage counsellor recognises that long-term sexless marriages are growing in numbers. Homesite: https://michaelformanwriting.com/

The UK has come up with some exciting intimacy stats. Listen now for more. Homesite: https://michaelformanwriting.com/

How many people do searches on Google (per month) for sexless marriages? Homesite: https://michaelformanwriting.com

Escorts (prostitutes) have saved this person's marriage, but at what cost? Listen now. Homesite: https://michaelformanwriting.com/

If you had your chance over again, would you include a sex quota agreement with your spouse before marrying them? Homesite https://michaelformanwriting.com/

The plaque at the corner of American Hill Road and Drummond Street in Nevada City celebrates two of Nevada County's Black pioneers. 

Last week, Poth FFA teams traveled to compete in the Tarleton State Invitational CDEs (Career Development Events). Poth's teams fared well, testing their skills in a field of more than 10,072 judgers across various events. Homesite — sixth place out of 72 teams: •Ian Thames, first place high point individual; he brought home a shiny new belt buckle •Christian Ortiz, 15th place high point individual; in a four-way tie for places 15-18, he won 15th with a coin flip Also competing were Cash Carter and Grayce Pfeifer. Milk Quality — 12th place out of 145 teams: •Tobyn Noll — fifth...Article Link

In many ways, admitting to a sexless marriage is like admitting to alcoholism. Some people play it down and try to hide it or think the problem will go away if given enough time. Homesite: michaelformanwriting.com

There comes a time when you start questioning yourself about the sex inside your marriage. It's when you ask yourself, "Is my marriage actually sexless?" This is the episode for you. Homesite: https://michaelformanwriting.com/

Market Proof Marketing · Ep 303: Things We Never Need To Say In The Industry Ever AgainIn this episode, Kevin Oakley,  is joined by Beth Russell and Julie Jarnagin! Kevin recently got back from a conference and shares his thoughts on the experience as well as the importance of understanding your audience. Together, they reflect on the uncomfortable challenge of change but agree that it's necessary and urge listeners to surround themselves with people who will be honest with you and genuinely help you through it. The team discusses things that never need to be said in the industry ever again!Story Time (11:24)Julie had a builder ask if video was “worth it?”It's Beth's birthday week and so she is reflecting over the change this last year.Kevin brings up things we never need to say in the industry ever again News (40:04)Will the Mortgage Rate Spread Narrow or Not? That is the Question (https://blog.firstam.com/economics/will-the-mortgage-rate-spread-narrow-or-not-that-is-the-question)1 in 10 Home Sellers Are Moving Because They're Being Called Back to the Office: Survey (https://www.redfin.com/news/moving-return-to-office-survey-2023/)Where Is the Housing Market Headed This Fall? (https://www.probuilder.com/where-housing-market-headed-fall)Higher mortgage rates continue to impact the housing markets (https://apple.news/AW-eEur1VTc-0uqCPW8w2UQ)Things we love / things we hate (53:31)Beth hates unpackingJulie is listening to a podcast called "The Dr. John Delony Show"Kevin is enjoying the “Compound and Friends” podcastQuestions? Comments? Email show@doyouconvert.com or call 404-369-2595 and we'll address them on the next episode. More insights, discussions, and opportunities can be found at Do You Convert All Access or on the Market Proof Marketing Facebook group.Subscribe on iTunesFollow on SpotifyListen On StitcherA weekly new home marketing podcast for home builders and developers. Each week Kevin Oakley, Andrew Peek, Jackie Lipinski, Julie Jarnagin, and other team members from Do You Convert will break down the headlines, share best practices and stories from the front line, and perform a deep dive on a relevant marketing topic. We're here to help you – not to sell you!Transcript:KevinHi, I'm here. This is six calls into the day Kevin!JulieThat's a lot.KevinMy favorite kind of days. But I'm here. We're going to do it. And I guess feedback. Our producer, I think it was maybe just her feedback, but she likes spicy Kevin.BethSo I think we all love spicy. Kevin's spicy and like trolling. Kevin Oh, I live for it.KevinYeah, I remember the 10,000 hour thing. You school this on?JulieI think.KevinSo I just got exposed at this conference. That's about nothing other than learning. And the people are all totally different is again, that realization of like, I'm old because I care about things that my 20 year old self would have been like. Why does that have what does it matter? Why are we thinking about, you know, what is space made of like it's empty space, you moron, move on.KevinBut I'm here. I'm listening to this guy talk about the units that make up space and how that defines time and thinking. How does this apply to what we do? And I can make connections. And it's it's weird. Just I remember was like going it's it's this 10,000 hour thing of how do I translate that to someone who only has 100 hours in in a way that's meaningful because, you know, like I was trying to download our team about one of my takeaways and then I'm like, this won't mean anything to some people.KevinLike though they will actually think, why did Kevin waste his time going to California to listen and learn about this? And so any time you're sharing, you have to understand your audience and and where they are. But it's it gets harder and some ways it gets easier. This is why now remember why I wanted to talk to you about this Julia is it's it's somewhat easier to process through the stuff like on the back burner of your brain, but it's even harder.KevinLike I'm finding myself pausing more often, like I have a small seizure and it's because I'm it's not because I don't understand the material. It's thinking like, how do I reframe this or filter it for this person who's been in our industry for a month?JulieYeah.KevinYeah. That gets incrementally harder, I think, at least for me.BethI mean, it's hard. I just had a call this week where I was like, I how? What did I just say? Because it was one of those challenging situations of like, how is and that's exactly what's happening to me. It was like there was a stop in my brain of like trying to filter out what was going on in my head and what was coming out of my mouth in a way that would be digestible to the person on the other line.BethAnd it probably was to them. But to me I was like, No, that I need to get back on a rhythm.BethBut that's where the storytelling comes in and I think y'all are both great at that. Even when you don't realize that you're pulling in a story or an example or something. So I see that, you know. Kevin, if we're sitting in on a call and you're pulling from something, some example you've heard or a story, so I think that's what you're trying to attach, the two things you're trying to attach the concept to whatever rolodex of stories and examples are in there somewhere to connect them.KevinYeah. Here's here's the most recent example of this that I still am processing a little bit, is working with a rather I mean, a very large homebuilding organization who wants to create a new set of dashboards on a quarterly basis to give to their leadership team about marketing and online sales and how it's going and they showed an example of an old one that they've been doing internally.KevinI think some other people were helping them and it was like 45 pages and we rebuilt one after much thinking and work. And it's nine pages, I think, or sorry, it's 11 pages. It's 11 pages, but the first four pages are just an illustration of the proverbial funnel illustrating at the state level, individual market level, etc., how everything is working.KevinLike all of the important metrics, the conversion ratios and visually how they all connect and then as I'm thinking about the audience that they're going to give this to and, and this is a presentation format too, I think it's important, understand. So they're like the person who used to do this, they hated their life for that entire day because when I was there trying to stand up and talk, they went through all 45, 50 pages and watched everyone's eyes glaze over or start looking at their phone or, you know, they and we interpret that sometimes as how those people are.KevinSo rude. How could they not? But to me it was more like, actually, you should probably never get past these first five pages that are funnel analysis with this audience. If you get to page whatever, and it's a 14 way breakdown of how their Google ads are performing, something's wrong because it's not it's not the level that a CEO CEOs should be at ever.BethYeah, yeah. They need something to anchor on to. And with that visualization visual visually.JulieThis.KevinJust makes me feel so good about myself. I'm sorry, you're not supposed to.BethThe word with the funnel.KevinThere's many words.JulieLike.BethOh, well, it's something they can anchor to because if you just start going through numbers, if they're trying to connect, they're just going to grab a random stat number and get stuck on that and you're going to get into a weird hole of questions that you may not want to be into. So that gives them a good first thing to hang on to as you're taking them through the journey.KevinWell, okay, I'm going to try to keep my brain and then we'll be we will move on to the real show here in a second. But one thing I through my brain is this is a bad idea. Like as a as a builder partner, they're going to hate this idea that I'm presenting of making the funnel the main part and then being able to break out why afterwards or during Q&A.;KevinBut just really focusing on on funnel analysis. And I kind of saw a little bit like, oh, what if they're not comfortable hanging out at that level for 20 minutes? What the leadership team, there's some people are like, hurry up and get to the part where like I'm in every day and I understand and I know that I know more than they do about it.KevinAnd so I feel comfortable presenting and talking and looking through versus staying high level with high level individuals sometimes can be intimidating. And so there is a little bit of storytelling and example giving that had to give them the confidence of you don't even have to know all the answers. You have to understand the relationships. But that's part of like this will work if they start getting excited and talking to each other about how come appointments are converting to sales in the same way as they were last quarter?KevinOr why do we think so? So is this it's this weird thing of am I just shortcutting the shortcut or is this really the most important anyway, that's.BethI think it's a matter of is the presentation as important as the dialog that occurs around it? You know, like if the presentation doesn't invoke an interesting dialog that can lead to change, then what is the point of the presentation in the first place? It's just another hour of someone else's time. This is why I love the fact that I'm married to my husband and I know that he is listening right now, so shout out might, but he does like he briefs for a living.BethHe briefs very important people for a living and he is phenomenal at his ability to take a very complex subject matter and articulate it in a way that not only gets people engaged and provokes conversation, at least this is what I get. I don't really know what he does. So this is just my perception of this.KevinIf he told you, he'd have to kill you, Yeah.BethThis is my perception of it. But it's fascinating. Watch and watching him talk about the art around the briefing. And it's just like us. Like it's the art around coaching. It's the art around speaking to high level individuals. It's there is an art about it, and you have to tailor what it is that you do to your audience in order to provoke conversation that will lead to change and it's fascinating how many people actually do that wrong.KevinYeah, senior leadership's perspective usually has. Why is this person telling me numbers that I can look at and see numbers?JulieYeah.KevinYou don't need to be presenting like a first grader at show and tell.BethYeah. And it's like, how many times do we hate going to conferences where people are just reading slides? Yeah, like it's you. You've got, you got to make a conversation out of it. And just like in home and home, buying and selling and in marketing for our builders, we have to create emotion during the process because emotion is oftentimes a trigger to everything else that follows.BethAnd so like the ability to do that with high level, you got to you got to like all somewhere to start that conversation.KevinYeah. And not be afraid of a little bit of.BethConflict.KevinConflicts. Right. Fact a lot of times as a marketer, you're that's why I keep going back to the example of Survivor. Like players who win Survivor sometimes are creating conflict artificially when there wasn't one or the amplifying conflict in another party sometimes. I mean it's it's it is such a good like like chess and poker good analogy. Okay a little palate cleanser before I start the show.KevinSean Carpenter texted me those. Sorry, Sean, you didn't give me permission to share it, but you texted me, so you should know better. He said It blew my mind today, listening to the podcast that Jenn wanted to be a vet when she was younger. I feel like this should be a like Red and Jerry Seinfeld voice. And so she ended up marrying her husband and now she still gets to hear Barkin all day at work.KevinDog emoji, laughing face Emoji. All right, let's get started.BethAnother thing that we like more as we get older, come you.KevinYeah. All right. I mean, I want to stand up, you know? All right. Welcome to marketers marketing the podcast from the industry leaders. How do you convert where we talk about the current and future state of marketing and online sales for builders and developers across the globe? We're not here to sell you. We're here to help you and to try and elevate the conversation.KevinIs there a topic you'd like us to cover or a question you'd like us to answer? We'll do it. Simply send an email to show at. Do you convert? Dot com. Welcome to episode 303. I'm Kevin O'Kelly. And with me today is Beth Russell and Julie Jernigan.JulieAnd so.BethI.KevinWe don't have to yeah, we keep talking about this, but there's nothing else to say. We already said it, so we just go right into story time. All right, Julie.JenOkay. I have a fun conversation with the builder this week, so she said, we have this great binder, high quality makes videos for us, but they're really expensive. And she said, we do. You know, that's kind of our company branding video as we do some community videos. But she was like, I want to do all these house tours and this and that, but they're so expensive and I don't have room in the budget.JenSo we had a really fun conversation around video and not just your very produced high quality video. The number one thing I would say, but this doesn't work for them is you need to learn internally how to do some of this video yourself and start doing it. But in this specific case, they are maxed out like their team just got smaller.JenThey all shift roles. They're all they're just doggy paddling, you know, trying to keep up with everything. So then we took it down to the level of finding multiple vendors for different things. So just like you might have a professional pay the big money for the main photo on your homepage, you can do the same thing with video.JenYou can take somebody who is fresh out of college or whatever to do your video. But what it all came back to is even that takes legwork. Like you're going to have to know. You can't just say, I want to do more videos, so we're going to do video if you are maxed out and everything else. So this whole conversation, that video and finding somebody else and that it may take a few people and you're going to have to be really specific at first about what you want it for and what it needs to look like and who's going to edit it and how they're going to know where to go.JenAnd you're going to have to see if that in your priorities of the thing. So it was funny too, because the owner happened to be on this meeting and he was just sitting there quietly. So there's a whole conversation. So it was just interesting because in the end it's still all I love video. I wrote a whole book on content.JenI think everybody needs more and better content, but in the end you only have so many hours, so many man hours and so much budget, and it's whether this is the time for that or if that needs to be on your 2024 plan and how you're going to set all that up. So it was a fun conversation to work through with them.KevinYeah, again, it's different perspectives, different levels, different insights, different priorities. But I think I'll intersperse some things that I took away. But but one of the people who spoke at a conference I went to is the CEO of Shopify, and he talked about how they created a tool that shows the cost of every meeting. So when you invite people, every time you invite more people to your meeting, it shows incremental cost to the organization.KevinWhen you see, you know, $9,000 for a 30 minute meeting, you have to justify in a summary, if you call the meeting, why it's worth that much after it happens. Anyway, a little extreme, you could argue. But then he also started talking about how they every year they just delete all reoccurring meetings. He's going to start just randomly deleting Slack channels.KevinAnd the idea here is if it needs to happen, it'll start again. But if not, you're just keeping things. And so just that idea of revisiting on a regular basis, why am I doing this thing? Could be video, could be Google ads, it could be anything. Why am I doing it? This is the reason that I started. So the reason why I should continue to.KevinI need to take a different spend. Should I be doing this at all? That whole, you know, stop doing list is as important as the to do list.JenWell, and on that level, it's really interesting because she has been there a while, but somebody else has been cut in the marketing director role and that person shifting out. So she's just adopting and she put that person was great at her job. Amazing. But it's somebody walking into something that's already existing. And so I think that's going to be a big job for her, is then figuring out what how.KevinThat's more fun. Let's just talk.JulieAbout that main event.KevinShould she go and start making changes quickly? What what would you both tell someone who's dropped in that position of like taking over for someone who's done a great job but is is no longer in that role?BethI think I mean, having just left somewhere and someone that I, I knew and worked with kind of walk into my position slightly, I think it's really interesting where it's kind of like a marriage of both where, you know, you want to go fast in terms of making your name and learn and get your hands dirty. But you don't want to make too many changes that are going to rock the boat because you might not know enough yet and go in the complete opposite direction.BethSo I think it takes that time, like Julie said, like taking that time to walk through the options and the realities of what is actually available when it came to video and what was realistic. Okay, I see a problem here. I see something that I could change. But at the end of the day, capacity wise, investment wise like this doesn't need to change right now.BethI can do this later. It's not like a necessity for me to go in and just like rip everything to shreds. Essentially. This is me being dramatic.KevinBut yeah, joining me. Other thoughts?JenYeah. No, I agree that there's definitely a time period for keeping it as is and seeing how things work and really not making too many dramatic changes. Right when you walk in unless she's she's been in a role in the department so there are probably think she's familiar with enough the brand new thing she's taking over. Yeah I think it's worth some observation time before making any huge changes which I don't think she is.JulieYeah. Listening to this.KevinThe first thing I always would tell someone is don't change anything for until you are certain you know what the issues are. And what I mean by that, one of the reasons you don't change anything is because it doesn't require any of your cognitive load. If you're maintaining it's a lot easier to maintain than it is to create or destroy.KevinMaybe it's easier to destroy than anything. But that's I know I get off topic, but you're just letting things flow and and observing because one of the things you have to understand quickly is that the scoreboard is not the only scoreboard. So there might be some internal scoreboard or dashboard or whatever that says leads are up, good sales are up, good.KevinBut it all depends on the person you're working for, and it's a combination of that scoreboard and that person's perspective of everything. I've worked for people as a marketing director who have said, you know, like, we don't need more leads. I don't want you doing anything to create more leads. Leads aren't our problem. Go solve this other thing.KevinAnd I'm like, I'm new here. But when they hired me, they told me my job was to create leads. So that's the risk, is you don't have street credibility for that position even if you've been in that organization. Everyone's looking to try to figure out, did they earn this title? Did they just get this title because other person laughs, What's going on?KevinAnd so you still need to do an analysis of both scoreboards and look for the easy win opportunities that cause the least disruption for others. Because that's how you prove value is. I just made everyone's life better and you had to do nothing different. Do that for as long as you can before you have to start getting in the middle of everything else.KevinSometimes you don't get lucky and like the thing that has to be blown up is the fact that I'm I'm laughing. As I say this, it's only been true a couple of times. You're like, We just have to fire all the salespeople and start over. And I can show you mathematically and in the CRM why that's true, that would be a really hard place to start, but that sometimes that is the case.KevinBut if not for as long as possible, get the easy wins that have big impact on other people's roles. All right, Beth, what do you got?BethWell, this week was my birthday week.KevinOh, happy birthday.JulieThanks.BethI'm doing all the sound effects today.JulieThis is great.JenYou should have worn your tiara today.BethI should have worn my tiara on my sash. That would. Except it ripped out my hair, which was not a pleasant experience. It's super pretty, though, so I really should have worn it. That would have been great. But yeah, I'm not typically one to reflect on my previous year. I'm just like, Oh, you know, another year, I'm another year older.BethIt's fine. But this year I was kind of it was somewhat unavoidable because it was on my birthday last year that it became abundantly clear that all the goals that I was working towards and the goals that I had set for myself in my professional career were not going to happen. I was I was not going to achieve them at my current place of work.BethAnd this realization was dramatically catastrophic to me, and it forced me to take off blinders that I didn't even know existed. And it forced me into a period of serious reflection in my life. That period that that lasted from probably anywhere between four and six months, where obviously a lot of changes happened because now I am here. But it's interesting because I was in the mindset at that time before all of this happened that no matter what, I was going to stay on this path, I had my goal, I was going to achieve it, and I had already given so much of myself in order to achieve what I had achieved that the idea ofBethleaving that was so incredibly uncomfortable to me that I had basically avoided any thought of change.JulieYes, fully.BethLike those blinders were were up. But now I was in it like I was forced into a stage where I had to be comfortable in the uncomfortable. And for me there was nothing more uncomfortable than the thought of leaving some place I loved and that I had dedicated my time to. And that had brought me so much joy.BethAnd I share this not just because, like for whatever reason, just to share it. I think it's because No, I know it's because that at one point in all of our lives, we we come to that place or to that crossroad where we have to get comfortable in the uncomfortable, whether it's in our personal life or our professional life.BethWe are at one point in our life going to come across something where we are forced to make a decision that we we never thought that we would make. And it is so incredibly uncomfortable for us. But the reality of it is that it's only through doing that are you able to make a change for the better. And what I learned during that period of my life was that change is okay and that it's important to not go through that alone.BethI had I had to make that decision a very personal and selfish decision. I had to make that and come to that on my own. But I leaned on the people around me that supported me and not just the people that were going to nod my head and nod their head and agree with me or go into a period of self-pity with me or like crawl into that ditch with me.BethBut people that were going to force me to want better for myself and forced me into change and and forced me to ask myself questions that I had I had been previously avoiding because they were so invested in my success and they wanted something better for me. So in saying that, I mean, you don't have to do it alone.BethLean on the people around you, find people that will challenge you and support you, find good mentors.JulieAnd.BethJust make that next change because I think this last year has been incredibly fulfilling for me. Incredibly, incredibly challenging. And I if you would have asked me this on my birthday last year about where I would be in my professional career, I don't think I would I would answer that. I'm a marketing coach. A do.JulieRight.BethAnd it's been fun and exciting. And I'm so happy. I'm so happy that I'm here.KevinWell, we are happy that you are here, but I skating part things that make me feel strange or uncomfortable, like self celebrating ourselves always makes you uncomfortable. Same thing. I mean, I remember the first time, not the first time. It was. It was the third year that Mike Lyon was like, Hey, Kevin, I think there's this thing and I think you could come work with me.KevinAnd I was like, at the time I was 32 years old, I was running to homebuilding divisions for NPR. I had stock options that were worth millions of dollars. And Mike's pitch was, take a 70% pay cut and come work with me and we'll see what happens.JulieAnd I was like.JenI have.KevinFour. I have four kids. My my wife just gave birth to our fourth. What? None of this makes sense. But again, I'm going to keep doing this for a while probably. But this conference that I went to, one of the speakers is the CEO and founder of, I think the second most profitable options trading firm of all time.KevinAnd she showed the slide like if you gave her $100 back in the eighties, you would have $3 million. Now, that's how much money her company has made for herself and her employees. And so now she started this nonprofit specifically trying to teach women how to play poker, because her argument is that women need to learn the skill sets of poker.KevinAnd to her, one of the most important skill sets is knowing that it's okay to take risk. That risk is mandatory. You you have your hand of cards. You've got to make a calculation and decision of what should I do or not do. But also sometimes you if you just fold every hand, you're never going to win. And her take as a woman was just that women are never taught to take risk.KevinAnd even in my own life, like I'm I'm definitely the Yeah, I'll just stay out of poker like just play super conservative, get that pot as big as you can and just like, hope you win by causing everyone else to die of boredom and just, like, irrationally go all in because they're just sick of sitting there like, that's that strategy.KevinBut so when I hear you talking about that story, I just to what I what I translate it to is part of it is chasing the goal that you had. And the other part is just saying like, that's too risky. But now on the other side, do you feel like it was as risky as it felt?BethNo, not at all. And I think, like I battle with the word risk slightly because I don't know if I necessarily felt like it was risky. I think perhaps a little bit it was like, okay, I just built all this. Like, am I willing to risk, like, completely altering everything I just worked for for seven years? Right? So I guess the other is there is a little bit of risk in there involved, but ultimately it came down to compromise.BethIt came down to how much of myself am I willing to compromise and what am I even living out? One of my mentors is bold. Eutelsat is also a very good friend of mine and he was the one that was like sat me down and he was like, What is your superpower and are you living it out right now?BethAnd we had like a two hour conversation actually at some after hours about what that meant. And like he just started ripping out those blinders that I had. And I think it was just that I had compromised a little bit of what my superpower was in order to fit the box of what other people needed.JulieAnd yeah.BethAnd it was it felt really good.KevinOn the psychiatrist psychiatrist couch together. So this is.JulieGreat.KevinI know you don't like the word risk, but what I think is probably happening is the fear of not getting to where you wanted to was causing you to put the blinders on in the first place.BethOh, yeah.KevinIf if if I don't put the blinders on, I'm not going to attain the level or position that I want to get to. And that's all I'm trying to say is, at the end of the day, the biggest risk that the speaker and I go back and talk to other people are look at my own life. It's like the biggest risk would have been not doing anything.KevinYeah, that's I always say that's the don't you're trying to sell someone the donut hole the cut out like not an actual small little piece of a donut but your sound the thing that doesn't exist and saying that's the problem so that's, that's the hard part about it. But taking risk is okay. And I, like any of my friends, personal friends who've been like, Hey, I'm thinking about starting my own business or doing my own thing.KevinMy answer is always do it always, because the risk is not like you're not going to die if your business dies, but you will know whether you actually want to run a business or not. You're capable or not going to do it. If death is not on the other side, it's worth trying. Now that also, like as an efficiency focused organization, which I would consider, do you convert like one of the ways I explain to people is we are an efficiency focused digital marketing organization trying to help builders get the best quality traffic for the least amount of money.KevinSo one of the things in there is like a lot of what we do is working and we might not be taking the risk for someone's money individually. So like builder A of 80 or a builder number one of 80, we might, based upon their resources and availability, might not be doing a lot of testing with them. But across all 80 builders, there's always different tests being done and that's a it's analysis of risk.KevinAnd I feel like I should just write a whole blog on maybe a series on risk because it's not talked about enough. And as a manager, we know we have to manage people. We know you have to manage a budget. Managing risk is not talked about enough or understood clearly enough and it's really, really important. It blindsides people more than missing a budget.BethYeah, I would agree. It really takes us even for this.JulieFascinating Hey online sales specialist, your D convert coach Jen Barkan here. Are you looking for guidance, structure and proven methods to help you set more appointments and create more sales than join online sales coach Jesse Suggs and myself, we are offering an intense two day virtual training experience, followed by eight weeks of training and coaching through our online sales academy.JulieThis fall. Jesse and I have been in your shoes and we teach from our direct experience and years of coaching online sales specialists just like you. This will be hands on and real world. No theory here if you're interested, don't miss this incredible opportunity to reserve your spot today by visiting d convert dot.com.KevinOC first story time. Just go the way Olivia reminded me that I want to talk about like things that we just keep repeating in our industry. And it's not really the thing. It's the it's the well, it is partly the thing. So one example would be and these are all things, by the way, I have said too, so it's not casting stones with glass houses, but I remember the very first presentation I gave at the Builders show and it PCBs.KevinI talked about a backpack on Amazon having more content than a home builders quick movement, home. That was 14, 15 years ago.KevinSo let's just get more creative. And this again, this is for for me as as well as everyone else. Let's get more creative with our examples. If we've heard an example 30 times in the last ten years as a as a presenter or someone making content, I think we should all push ourselves to keep looking for more and different examples.KevinAnd I'll give you one of mine that I've pushed, you know, so I've talked about pre-sell without fail and wrote the book and given all kinds of presentations and done it. And yet the audience and this is we keep repeating the same thing because we're like the audience hasn't heard enough and we know repetition is important. So we say it again and again, again.KevinBut I think my challenge is let's get more creative to try to find out if it's not just us. The presenter that's repeating the same thing. People have heard, but not actually finding a way to help them solve the problem. And that's why I use stories analogies is because my hope is that the person I'm telling that to can retell the story and get a similar outcome or help people's opinions or mindset change.KevinSo a lot of times builders on their on their home site maps or community descriptions are talking about, you know, faces one through 17 and all of them are on the map and they're on phase one, but they're showing everything. And so for me, the example is, you know, Apple just came out with the iPhone 15 and the 15 pro and someone tweeted immediately after, like, I'm on my way to Apple.com to order my iPhone 14.KevinCan't wait for it. It's like, no one does that. As soon as the phones announce, the only people buying the 14 are price conscious folks who probably can't afford or wouldn't buy a 15 anyway. But it would be as insane for Apple to put on their website iPhone. I mean, I can do it now. I can. I can project into the future the iPhone 17 coming September of 2025.KevinYou would never, ever, ever see that on Apple's website because you can't buy it yet. And certainly in the process of launch in neighborhood there's there's a period where you're going to put that community out there and you can't buy it because you're building that list. But Apple knows how long they need to build their list, and it's about 2 to 3 weeks from the time we say it's here to the time that you can go online and order it.KevinThey figure it out through probably millions of dollars and out. And, you know, tons of research that that's the only window they need to have. So you got to figure out what your window is. But you don't need to communicate years or decades in advance. You're going to have Homesite 2312 available at some point. So just let's get creative because if if the industry isn't solving that problem, we can go back to content around the backpack if we have to.KevinBut the more interesting question that I think our whole industry needs to start thinking about is what are the barriers? Because the barrier is not anyone I talked to. I don't know if you two are talking to people, but I haven't heard anyone say no, we've got enough content on all of our stuff, like I'm good with it or pictures are all awesome, our descriptions are great.KevinNo one's happy with the content they have. So what's the real problem? And we keep pointing the finger. This is going to get me excited. We keep pointing the finger at marketers and. If you're interacting with marketers on a regular basis, you know, the problem is not that the marketer doesn't want the content. Maybe, and this is why I'm so big on high mark as a potential solution for this in our industry.KevinYou know, this is it. Them and Mark and Beth are doing a presentation at the summit Higher understands that the reason we have crappy content is because people who aren't marketers are constantly changing the product with your regard and no care as to whether we have content just made content. There's just like this little hidden space in every home building company where for people who have no connection to consumers or marketers are coming up with all these new things and changing stuff all the time and like, yeah, just figure it out.KevinJust figure it out. Like that's the freaking problem. And using it addressed not how to hire a photographer. Did you know that you can get renderings that like for it's such baloney. That's not the problem. The problem is that there's these other morons changing things too often that no one's asking to be changed. Like if they're How often?KevinHow often do people redesign cars?JulieRight.KevinIt's usually on like a three year, 3 to 5 year thing, and there's little micro changes in between. They don't and they don't have 45 different cars available at Toyota to go buy for each. Kevin And then we're going to show Toyota's car car selection tool and they're like, this is amazing. Look what it can.JulieDo because there's only seven different.KevinCar types.JulieYeah.BethThere's like five is from.KevinThat's why when NPR bought Heartland and they we had 45 different floor plans and they said no, you can have 12. And after the initial freak out of that's not possible. We'll never sell another house again. Everyone's going to want something we don't have. I got so freaking excited as a marketer because thinking of of, okay, I'm going to defend my budget.KevinI'm going to keep that same amount of money. But now I can develop content around 12 floor plans instead of 45.JulieYeah.KevinIt was like Angels started singing. It was, This is going to be the most incredible thing ever.JulieMm hmm. Yeah. So look for.KevinLook for what's causing things not to change. Not just telling the people that it needs to change. Please.JenI literally just had this conversation with a builder yesterday, and you were not on the call because I asked them what is because they're overloaded? What is eating up your time right now? And that's what that's what it was. That's what I want is this.KevinFor people in a room somewhere making changes without talking to anyone?JenYes. And all they're doing is updating floorplans and rendering and all this. So it's just funny that you say that because I literally just had this conversation with someone yesterday.JulieYeah, well, and.KevinI mean, at Idol, they have collaborative teams that work on such things at Style Craft, where you were both they have collaborative teams. Yeah. Cross department teams that work on this things. Yeah. But so many builders I interact with, I'm like, who does this stuff?BethBut it was still a problem like.KevinSteve in accounting.JulieCommercial. Oh, okay.KevinSteph, thanks.BethThanks, Steve. No, I mean, it would still problem though. I mean, we had a huge group of us coming across, like you said, from all different departments coming together to make these decisions with the changes that were still happening so often that I had to just eventually put my foot down and saying, I'm not changing it until this is an issue or I have this many changes or whatever, or if we're making this many changes, I need this to be the process that we follow because there's just no way that as a singular person or in our case, two people, that we're going to be able to maintain content across 40 communities with 40 differentBethfloor plans, with 40 different variations of things happening, like that's just that is outside of the realm of reality.KevinAnd there are answers coming. And here now to do it better and differently, one from other industries, two from products like High arc. And this is I mean, again, if you're listening and you're coming to the summit, you're going to hear it. It's not like you're going to not hear this talk.JulieBut yeah.KevinThere are ways to get what we want and need.BethAnd there's ways to go about the changes better, which again, I don't want to say too much about because we'll talk about at the summit and I have a blog post that I finally wrote a blog post and Julie edited it, shout out Julie. That is about different ways that we can go about making changes that are planning, planning things out.BethBecause I don't think that as an industry we're doing it the most efficient way.KevinNo, no, not at all. All right. First up from the news, will the mortgage rate spread narrow or not? That is the question from first imdb.com And this. Remember, I went on a tirade about like if you're a marketer trying to ignore what interest rates are and how they are determined, all that stuff, it's time to go to school.KevinBy the way, that was my actual story. I got distracted. I didn't share my story time, but one of the notes that I wrote down was Bill Gurley, a prominent investor venture capitalist, said that the idea of professional research no longer exists for most people, meaning when your teacher in school assigns you to do a research project on, you know, the Pyramids of Giza, you either lie and makes things up or today use GPT, or you go and read books, watch documentaries like you can see in this information.KevinAnd yet the concept of professional research done outside of work hours is like, Are they paying me for news? I mean, I don't know, maybe you just want to find the answer or learn me because it's going to make you better, which will eventually pay you more because you are better. But it kind of goes along with this is a continuation of that rant from previous episode.KevinAnyway, so this is an example of me. So I, I see this article posted in my first reaction as I've spent 200 hours learning about mortgage rates and how that determined all the rest. I don't need to read anymore on this topic, but what the heck, I'm stuck for 2 hours on a plane that's not taking off. So I'm going to read the article.KevinAnd essentially what what the author argues is that one of the things that we're not thinking about that will keep rates higher for longer is the fact that rates being higher, where most people think they're like everyone's dating the rate, right? Everyone's waiting to refi. And one of the things that causes rates to be held higher is the belief that people are going to pay off their loans early.KevinSo if I'm buying a mortgage backed security that's supposed to be full of loans that are 7% for 30 years, what's the likelihood that those loans go for the entire 30 year period and aren't paid off early if rates go back down to five? Right. All those are gone. And so that risk of loans being that's a negative thing for an investor to have loans paid off early.KevinAnd because of that negativity, there's extra costs being that then raise the rate because of that thing. Like I had no idea that that was part of the calculation, but it makes sense now. The inverse is also true on a coaching call this morning and the builder said, Yeah, you know what? We've noticed that buy downs are becoming less expensive for builders or this builder in particular.KevinWhy would that be? Because the inverse is also true. That's why I love learning stuff. It gets me so frickin excited. The inverse is true. Why would a buy down be less expensive? Because what's the likelihood that, yes, I am going to charge the builder money to buy down the rate? What if now that customer is going to get a 4.75% loan?KevinWhat's the likelihood that they will carry that loan through to maturity? It's higher because if rates go down to six or five, they're not redoing that loan. So they were saying, you know, it still has three and a half, 4%, but it's used to be seven to buy that down. So it just never pays to continue doing professional research because it's just always insightful to me when I learn something new.KevinIt makes me excited.JenAnd this article is worth reading because I do not get quite as excited as Kevin on all of this. But this one, when I read it, it was it did lay things out in a way that it was like little light bulbs went off and helped explain it. So if you're also struggling to make sense of all of this, this is a good one to go and.JulieClick on and.KevinRead again because people will see something or say, Kevin's, you know, just a mad old man. No, I'm not saying you have to understand it. I'm saying stop trying to not understand it. That's all I'm saying. Like, keep trying to understand it. Don't just say huh.BethFind new ways to explain what's happening in the industry other than the backpack.KevinYeah. All right. From Redfin.com, one in ten home sellers who found this one, by the way, they deserve a price because this one love this one. One in ten home sellers are moving because they're being called back to the office. We haven't found this article.BethI'm looking, but.JulieI don't see I'm.KevinGoing to default to.JulieFriend. Thank you.KevinOkay. Good job, Olivia.KevinReturn to office. Mandates are forcing some people to choose between selling their home at a loss or losing their job and turn it into a rental. Potentially. Roughly 20% of surveyed sellers say they're moving due to safety, crime concerns, a desire to live somewhere more aligned with their social views and or lower taxes. But 10% said they're moving because they have to go back to the office.BethI mean, it goes back to I think it's an interesting, like granular data point of like because they specifically because they have to go back to the office, because we think about like relocation and things like that. And it says, oh, my work is moving me. But in this case, like, no, your work is forcing you to actually come in and now you need to live closer.BethIt kind of Did you see the Post from the New York Post article about the project by EIA in Montgomery County, Maryland? It almost makes me think about that a little bit because like they are doing a project that allows for lower income people to instead of doing that, the 10% or whatever, they increase it to 40% of lower income in this building.BethAnd they are trying to increase the amount of available housing in a safe area that allows for us a closer commute. And the example in the article of someone who lives in that building is an individual who's like, I think she was like a nurse or a educator or something like that. I'm sorry, I can't remember what my head but she because this became available to her, her commute cut down from a 45 minute commute to a ten minute commute.BethNow, for a little bit of perspective, even 45 minutes in the Montgomery County area. So anywhere around the greater D.C., Baltimore metropolitan area, 45 minutes is a win. So for her to be able to have 10 minutes of a win is is gigantic. And so these people that are are now trying to get to work and having to go to work every day and they're just trying to get closer.BethThey need to get closer. And it goes back to their need to move because their life is requiring them to.KevinYeah, remember, that's the fifth of the five days displacement that causes people to need to find a new home. And we're seeing this you know, we work with builders, I think, in 40 different states. And remember, if it's 10% in the survey that means in some markets it's lower. And in some markets it's higher. And one of the places they reference here is Boise, where two people work for the same employer.KevinIt sounds like to me it's Facebook or Meetup, but they're being told that they both have to come to the office three days a week or lose their jobs. They're probably gonna have to take $100,000 loss in their home in Boise And the home that they are going to end up buying in Seattle is going to be much smaller.KevinSo you just think about those markets. San Antonio is a relocation for remote work, heavy market. Boise was a big market for that. Northern Colorado. Some of these start to make sense. Now the question is, is this going to be it's going to be positive, you would think, for Seattle. And just because there's there's not still a lot available in Seattle from the from the used home market so for for prices in the market so people are being forced to move back to I think it's going to continue to push them higher.KevinYou know super interesting article. Thanks, Olivia, for finding that one. And you did this one I think from CNBC econ. Higher mortgage rates continue to impact the housing markets. Danielle hill, realtor.com chief economist this was you right, that found this one?BethNo, this is shout out, Becca.KevinOh, okay. Okay. Good job.JulieHere.KevinBut this is a video, so I don't know how to go into more of it.BethWe'll have to just embed the video into the show notes now.KevinWell, time out. We'll just pick a different article. So it's like we can't put articles that are videos and. Sorry, that was. I should have thought that one. But we got to we got to be able to talk about it. All right. Next up from Pro Builder AECOM, where is the housing market headed this fall with buyers and sellers glued to the sidelines of a high priced undersupplied housing market, experts weigh in on what's to come.KevinWhat's to come?BethMore of the same.JenThat's one thing. Those were kind of wild. You said, I don't think it's going to get any better, but I don't think it's going to get any worse because it can't get any worse. Number one, don't jinx us. Number two, we've seen it get worse. You know, we've seen it worse than this. So I was shocked by that vote.JenI thought that was a little.KevinYeah. And promote our links to Realtor.com or the full article is we'll put that link in the show notes. But remember, they're talking about the housing market, meaning residential in its entirety. So when they say I can't get much worse, they're talking about existing home, the number of existing home transactions that are occurring. Remember, prices are not bad.KevinIt's the number of homes that are are transacting that he's talking about being so bad.BethAnd guess who's still the bright spot?KevinYeah, I mean, what's the saying? I don't know if we can, but, like, tell this person in a room full of short people.JulieBecause.KevinLike, Yeah, I mean that's the thing that kind of it does affect my mental health a little bit. When people say, again, I'm talking to people not from our industry directly all the time who are like, Oh builders, man, this is just got to be like the best thing ever for them. They're loving now. There are we do have to, to working with who are having their best months ever.KevinYes but there are also a lot of builders who are, you know, eking by hitting their sales goals. Profitability is okay. But again, they're like, this is this is just infinitely harder than it used to be. And then going into the fourth quarter, it's like, oh, man, I really I'm not excited for what we're going to have to ride through here.KevinSo, yes, it is a bright spot in terms of, I would say availability of housing. Yes. So if you if you wiped builders off the map, there were no builders. The whole housing market would be you know, I think the kids say left.JulieLike.KevinSo homebuilders serve a really important purpose and we are there. But the costs of doing business for builders are not improving as fast as we wish they would, which means affordability is still a challenge.BethYeah, and while it's true that it remains market dependent, I think the builder to builder, it's also really interesting to watch. I don't know if you all have seen this, but we had a brief conversation of the doers versus the thinkers. And then there's the people that can think and do simultaneously, which is a magical little unicorn that everyone should have within their organization.BethBut it's a matter of like there's people that are in markets that are still doing well, but they just haven't gotten it right from the builder side because they're not sure how to take advantage of a market where they all where they are the tallest person in the room. They're not using the right messaging. They're not using the right messaging at the right phase of the funnel.BethThey're not getting creative in what they're doing. They're just riding the coattails. And then something blips and they're like.JulieOh.BethWhat do I do with my hands? And it's interesting.KevinYeah, And I love how it ends, actually. This is who is still buying homes today. The answer is you have to purchase a home. And I think Rob Hahn, who's another one of our speakers at this year's event, I think he coined the term the four D's, which were diamonds, death, diapers and divorce. I think we added the fifth D, which is displacement, which kind of talked about what the article terms of having to move back to a different physical location or move physical location.KevinThat's the only reason people are buying. It's not because that there's a red tag clearance sale going on. They're already in the market and that will potentially steal market share if you do that, right. But there's a lot more people being created by that activity. All right. Our favorites. Things we love and things we hate. Let's just rename it that next time.KevinOlivia. Things we love and things we hate. Anything is up for grabs. What do we got today?BethI hate unpacking.KevinAll unpacking. Okay, tell us more about that. Why do you have so much stuff that's you.JulieThat's a.BethGreat question. And we keep purging. Julie and I were just talking about how like one of the beauties of moving is the ability to like it's a forced spring cleaning. And so you, you get to purge like I am still throwing things away left and right. And we did that prior to moving. But you know, it is just can I just can like all the boxes magically just, you know, like Mary Poppins into their place because that would make my life really look a lot easier right now.KevinYeah. It's I love talking about it because we went we're now done with it. Yeah. The whole mental connection that you have to your house and the things that you have to start thinking about again that you stop thinking about at your old house. There's all this emotional energy that's spent, intellectual energy that's spent for moving. What's the physical?JulieYeah, yeah.KevinBlood sucking leech like reality of unpacks in cardboard boxes. Yeah, It's not a good combination. Okay, that's good. You can hate that. Julie, What about you?JenWell, this might be embarrassing. I don't know, but I've been listening to a new podcast, and it's John Delaney, and it's like the old school, like somebody calling in and asking for advice, like, Oh, my God. Like, yep. Or he's it's. That's what we should do, counselor. Guys, I'm like, I'm fast. It like I'm obsessed with it right now.KevinThat's what we should.JenI don't know if it's cringing or where people really. Why don't you listen? But I know I love in it I'm into it right now.BethMillennial need watched or listened to Love Line like let's be racy.JenIt's not racy like that. It is, but it's like just any kind of it gets like a little mini counseling session. And so that has what I've been listening to lately.KevinThere is a gentleman I can't remember his name, but it was on Redwood Studios, AM talk radio, and every day he would take like 3 hours of calls and he would play solitaire. So you'd hear him shuffle the card. Sometimes, like I've always answering people's questions, but every like nine out of ten answers or get a lawyer, he would call them questions and he would ask them on a question.KevinQuestions like, You know what need you need to do is get a lawyer. And this guy made a career off of telling people to go get legal advice. Now, is is.JenThis once more, go get a counselor like you need trauma counseling.KevinSo this is like real life crime podcasts. This is I haven't killed anyone yet, but I'm thinking about it.BethYeah, Yeah Yeah. Is it like a little touch of a Reddit thread? Am I the ahole?JenBecause, like, sometimes that's all I hold.JulieMm hmm. Yeah.KevinMine is a podcast recommendation that I got from another podcast that I listen to called a compound in France. It's a stock market, one most of you shouldn't probably listen to it, but acquired is the name of it and they are, let's see, 3 hours, 4 hours, two hour. They're really long podcasts on a single company kind of giving there.KevinWhat they do is they go and they read 8 to 10 books on a topic that interview people and then it looks like twice a month they do these three hour summaries in audio format. And it's I mean, it's it's all LVMH, the NFL, Nintendo.BethQualcomm, Marvel one or the.KevinAmazon, of course, Altimeter, Sony, Peloton, FDX, Standard Oil like that's a really old company. Sometimes they do multiple parts, but it's one of those podcasts where you don't. I don't feel compelled to listen to all of them. But if there is a company that I really think does something well or I use like my own life and I'm curious about the background, it's just a really great it's like in between an audio book and a podcast, typical podcast in length and complexity.JulieOh, that's fun.BethI'm already Google, right?KevinYeah, that'll do it. Wait. Oh, you have another one, Beth, you want to complain about? Can you have something positive?BethYeah. Seriously, I just love the. I hate this way. No, the positive of our houses. I'm so like, by the time you guys see me next, next week, Monday, I should be in my office, in my new house, and I'm obsessed with the color that we painted it. And it was a little bit of a risk going back to that word, Kevin But it's a ripe olive by Sherwin-Williams.BethIt's a deep, moody green, and my crown molding is painted it. My doors are painted it, my walls are painted it, my panel, it is the whole office is this deep, moody, green, and it has a vibe. And I'm.JulieObsessed.KevinSo you like cozy, like cave? Kind of like it's not going to be dark. No cream.BethBut yeah, it has. And it has has. The ceiling is white and the floors are white. Okay, So like, there's a balance, but I don't know, I just it gives that feeling of like an all leather bag.JulieYeah.KevinIt looks like you should be signing the docket. Like the Declaration of Independence. Yeah.BethBasically, I need a portrait of George Washington.JulieOn the wall.KevinNicole, I learned something from my son, Hayden. He's in fifth grade, so he has to do a report on a president.JulieMm hmm.KevinAnd you could be lying to me, so don't. Don't at me. He's. And he got second choice, I think, to pick any president you want to do. And he picked Grover Cleveland.JulieOkay, Now.KevinEither one of you know any interesting information about Grover Cleveland?JulieNo. Nope.KevinNo. Apparently, allegedly he is the only president to serve two terms that were nonconsecutive.JulieMm.KevinHe was both the 22nd and the 24th president of the United States and had an incredible mustache.BethHe did that. That is true.KevinOh, all right. That's actually it. We're done now. The show is over. Have a good week. We'll see you next time.JulieBye bye. The post Ep 303: Things We Never Need To Say In The Industry Ever Again appeared first on Online Sales and Marketing for Home Builders - DYC.

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There comes a time when enough is enough. How long will it take before you take a stand for yourself? Where do you see your sexless life in the future? Will your marriage still be a sexless one a decade from now? If the answer is no, then listen now. Homesite: http://michaelformanwriting.com/

Vacation time should be a perfect time for couples to get intimate, right? All the pressures and troubles are left behind. What if the sexless marriage at home is the same sexless marriage when it's on holidays too? What do you do then? Homesite: michaelformanwriting.com

Couples often state that they don't know when their partner wants sex, leading to missed opportunities for them to be intimate. Misunderstandings, miscommunications, and poor interpretations can lead to long sexual dry spells. This podcast includes a simple trick you can use with your partner to improve your bedroom communication and increase your sexual frequency. Homesite: http://michaelformanwriting.com/

Jennifer Lopez married Ben Affleck a few days ago. She is madly in love with Ben Affleck. They were seriously dating some years ago but things went south. As a result J Lo and Ben have been married six times between the two of them. J Lo, who is a badass chick, got her heart broken by her Superman Ben Affleck. Did J Lo stay in pocket until she got her chance c to reclaim her love for Ben? Who knows. In this podcast, Cool Water discusses the Superman concept and how most women if not all look at a white dude like Ben Affleck, Brad Pitt, George Clooney, and any other, as powerful white alpha males . They are the supreme being, the epitome of all male species. Why didn't Jennifer have this same glow for Diddy, Drake, Alex Rodriguez, or any other man from another culture that she has dated. What is about Superman that got this women and others ready to pull their panties off? Cool Water discusses this and more in this podcast- The Superman Concept. Listen Share Comment and Subscribe Check us out at Blogsite: http://ishiphopdead.com Homesite: http://thedigitaldopeman.com

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Today I'm really excited to sit down with

Quindy Robertson and Donnie Vaughan join the show to discuss their current article in American Digger Magazine, "Hunting the Homesite of a Revolutionary War Veteran." They talk about the amazing things they recovered while metal detecting the site.

"Just like you use your dollars with an online payment service, you can still be defrauded USDC. It wasn't the dollars that defrauded you. It was the other side of it." Jeremy Allaire"I actually believe the web of value exchange. Whatever you want to call it, the internet of value is going to be extraordinarily more valuable and extraordinarily more impactful than the web of information." Jeremy AllaireEpisode Summary:In this episode of The Raz Report, Jason Raznick speaks with Jeremy Allaire, CEO of Circle.Hosts:Jason RaznickTwitter: https://twitter.com/jasonraznickSign Up to Benzinga Pro today to receive most exclusive interviews, news and stock picks fast!https://pro.benzinga.com/Click here for more episodes of The RazReport.Disclaimer: All of the information, material, and/or content contained in this program is for informational purposes only. Investing in stocks, options, and futures is risky and not suitable for all investors. Please consult your own independent financial adviser before making any investment decisions.Transcript:BZ: We're very excited to have on this edition of the RazReport, Jeremy Allaire founder and CEO of CircleYou're going to hear about building companies, building enterprises and Circle USDC, which is taking the world by storm in a good way. Jeremy, welcome to the show.J: Thank you, Jason. Psyched to be here.BZ: Circle your latest company, I think you've raised over 700 million over $700 million for it. Is that correct?J: that's exactly right.BZ:When you founded this company in 2013 is it where you thought it would be?J: when we founded the company back in 2013, there were a whole set of ideas that we had about digital currency.We were very excited about this idea that you could build what we like to think of back then as an HTTP of money, meaning like a protocol for money on the internet. And by money we meant traditional money.The liabilities of a central bank, what we think of as everyday money. But convey onto that money, the power of cryptocurrency.So Bitcoin obviously itself brought into the world, this idea of a protocol that could work on a decentralized infrastructure to enable people to directly exchange value in digital cash like way.We wanted to build on that same fundamental technology foundation, but enable people to exchange, stable value assets, like dollars or Euros. And we believe that a kind of protocol layer for money would eventually become possible on top of these blockchain infrastructures. And that was a core mission and goal from the outset.We experimented with realizing that idea through building on a lot of, kind of digital currency banking infrastructure, we built a consumer facing application that kind of brought that to life. We actually built it on top of Bitcoin, which was the first-generation blockchain that was available back in 2013 and 2014 and 2015. And in during that time period, and then eventually in 2016, when ethereum, which is the second generation blockchain technology really emerged, it introduced more of the building blocks that we had been looking for back in 2013, when we founded the company.ETH allowed us in 2017 to begin work on and then also release what's now known as USDC, which is in fact the protocol for dollars on the internet and eventually other Fiat currencies too. But founding vision was there, the path to it obviously takes many, shifts.The metaphor I like to use is you can see the mountaintop. You can literally, standing far back, you can see that mountain top and how beautiful that looks, but you actually don't know how you're going to get to the top of the mountain. And you may actually go up one path and realize, oh, I'm staring over a cliff. I need to go back down and go up another.BZ: Ethereum is what allowed you to go create USDC?J: So back in 2012 and 2013 there, there were a lot of technologists or not a lot, actually back then, there was a lot now, but there were technologists getting involved in this space. And a lot of us got really excited about ideas issuing other assets on top of the blockchain or smart contracts and programmable money and what it would mean if you could have if you could say issue a dollar token and have a smart contract that could enable the programmability of that was like a mind-blowing concept.Early in my career, I worked on programming languages, app development, infrastructure, developer platforms, content infrastructure, lots of things like that. And so had a background in thinking about, developer platforms and the idea of a developer, an open infrastructure that was like a developer platform for money on the internet was super exciting. And so there were a lot of ideas on how to do it in 2013. It just technically wasn't possible.The history of Ethereum is really relevant here because Vitalik, who also was really excited about a lot of these ideas of how you can extend this kind of blockchain infrastructure to do other things. A lot of people thought that might happen that Bitcoin itself as an open source project would evolve to do those things. But there was an ideological battle between those in the core development community who really wanted to keep Bitcoin simple and focused on being a kind of digital gold store of value.Then there's a whole other group of technologists that wanted to advance this into being something that's more like an operating system that you could build a lot of things on top of including things like protocols for stable coins,DEFI, NFTs, DAOs all these things that have emerged. So it was really that kind of forking off and development of a new infrastructure layer that then made it possible to pursue and execute something like USDC.BZ: Jeremy, where did you grow up?J:I grew up in a small town in Southeastern Minnesota, a town called Wynnona Minnesota. I went to college in the St. Paul McAllister college and studied political science philosophy and a concentration in economics.I got introduced to the internet in my dorm room, literally in, in 1990 had a high-speed internet connection, which in 1990, there was not a lot you could do on the internet, but I was down the rabbit hole became completely obsessed, made all of my educational work about it and started using it in my studies around what was happening in the former Soviet Union and what was happening in the sort of changing revolutions around the world and got me excited about the idea of an open network, open permissionless networks, decentralization, disintermediation, a lot of these themes that still show up today in the internet space got me into it. And then graduated college there and started working on my first company.BZ: Did you ever go to Mall of America when you were growing up?J:So mall of America merged when I was a little bit older, I think when I was in college.BZ: But as a kid, did you have side hustles where you like selling the newspaper? Like Mark Cuban was doing the garbage bags? Were you doing that?J: I was a paper boy, that was my first job if you want to call it. But I actually had, I got really lucky in a sense when I was a teenager. I convinced my parents to take, like some, a small amount of money. I had been passed down to me from my grandparents and was in like mutual funds, which was a big deal in the eighties. You had mutual funds. I convinced them to let me invest it into baseball cards.So in the kind of mid to late eighties, I ran Southern Cordillera sports cards. So I ran a trading operation and I would deal and I would go and basically do baseball cards. So that was my side hustle that helped me pay for my spending money in college.BZ:Did you have tables ? So you'd buy cards, flip them and did you make some decent money doing it?J:Absolutely. Yeah, so I took long positions. Okay. On on term sort of players. Mark McGuire, Jose Conseco, that's just some of the big onesBZ:What was one of your best trades?J: Brett saberHagan was, 19, he had just an incredible record and I like accumulated a huge bunch of those. And then that was a short-term trade. I keep thinking in a bunch and then flip them at a huge increase in value as everyone wanted the Brett Saberhagen for a piece that I think that was one of the best one of the best trades I did.I would do arbitrage.That's where I go to these shows. find someone who really, wanted X and I would just run around and find it, buy it for Y and then turn it around. So there's that. And then, I had I still have a fairly sizable collection.BZ: How did you get involved in internet in college?J: I had a T1 which was basically like a hard wire, it was effectively ethernet, but hardwired into a campus that were, and, campuses where some of the only places that had access to the internet for research purposes. And a T1 was, even now was whatever, I, that was back then 1.5 megabits per second, which was really good.BZ: You're in college and you're exploring this whole open network of sorts were your parents supportive of that?J: No, not at all. They were like, I don't know what this is. I don't understand this.I graduated college in 1993 the tail end of the first Gulf war recession.. I studied, what I would thought would be interesting to help understand the world and whatnot. And so I was like temping and but, and, on the side I was just going deeper and deeper into the internet space.And and I remember coming home, I quit my temp job and said, fuck this, I'm going to be an internet consultant. I called myself, which was basically like helping educate people about how businesses, how to use the internet and actually, working on the very, very first websites, this was before, even like Mosaic was out, was hacking around.Basically how helping organizations figure out how to build stuff from the web. And I went home and my father was just so distraught and just so afraid that, he didn't understand any of it. And he was like, this isn't a job, so concerned. I was following my bliss and it was good timing in 1993 to be really going down that rabbit hole and learning all the technology and figuring out what it was to. Build stuff back then. That led to the Genesis of some of the first products that I helped build and create.BZ: You called yourself an internet consultant?J: So there all these people learning HTML, and then in 1995, more people.I really wanted to be able to do interactive apps where you could connect a database, you could have interactivity. And my idea was that anyone should be able to build a global online service because back then, like the idea of an online service was you had to have AOL, or you have to have, CompuServe or whatnot.But I was convinced that an open network that anyone could publish to or any device could connect to, it would be a lot better. And so working with my brother, who's a much more of a computer scientist than I am, became the product manager designer for cold fusion and hidden the kind of chief architect. And we ended up working through a lot of ideas and building essentially the first easy to use web programming language and what is now known as an app server, an application server, one of the very first commercial app server, which basically was a piece of software you can put on a machine connected database, do transactions, dynamically generate webpages. And, that paradigm now, is everything from SAS and content management and everything else on, on the internet. So built that and, got super passionate about enabling developers to dream what they wanted to build on the internet, everything from content to community, to e-commerce, to all kinds of things and built, developer platform business.I find it, you can find it out there.There's still millions of sites with that are still run by that it's now owned by Adobe. That product line is owned by Adobe, which bought Macromedia, which is I merged my first company or we merged layer into Macromedia as public company.BZ: And when you started Cold Fusion, you and your brother, what'd you call the coming like the layer corporation?J:.We had a whole family of products. We had the most popular HTML web development tool in the world Homesite.Literally millions of developers use Homesite. So most websites in the 1990s were built using that. And it was one of the reasons why Macromedia wanted to acquire us because they had Dreamweaver and Dreamweaver was really popular with professional designers.But like the average Joe or Jane would get Homesite it was free. And it was like super powerful HTML editor. And so we had millions of people using that.So no, like no one used front page, because it was so awful because it forced you into like these templates you couldn't get control. So Homesite was like gave you access to the HTML and made it really easy to edit the HTML. And we gave it away for free. It was like a feed, it was a freemium product. We wanted to get it out there. And then we got other people into our more advanced products.BZ: So you were doing freemium before, that was even a word. Okay. Did you raise money for Cold Fusion?J:I think it was three rounds of venture capital and then like a mezzanine financing. And then we IPOed in January of 1999.We were a public company on NASDAQ for 2 years. And in January of 2001, we merged with Macromedia, which was about three times larger than us. And merged the two public companies. And I became the chief technology officer of Macromedia.BZ: IPO process versus the M&A process? Which did you like better?J:I like building. And operating. I I like that a lot. it's interesting, there are times and places where M&A makes sense both as a buyer and as a seller, obviously the vast majority of outcomes and business are some form of merger transaction typically or in bankruptcy. So the number of companies that remain independent is smaller.But I think both had a lot of advantages back at that period of time merging at the time was a really good thing for our company and actually gave us a much stronger platform that was, as you recall, when 9/11 happened and the entirety of the certainty of the market, and really the demand for internet software and stuff collapsed alongside the collapse of the.com.BZ: So Brightcove, how did you get to start that?J: So in 2002, when I was chief technology officer Macromedia, we put the ability to render video and PR and have video as like a programmable object in something called flash player and flash player at the time was the most ubiquitous piece of software in the history of the internet.98% of computers in the world had it. We could actually upgrade the internet to a completely new virtual machine that essentially like a new client in like less than 12 months. So we put video in and it was right before broadband came out and like for consumers.And it was really clear to me looking at broadband wifi devices that can be connected to those.And then having a ubiquitous playback mechanism for video. I got really excited, started incubating ideas inside of Macromedia for basically self publishing, self video publishing type of applications actually built something internally that the company did not want to bring to market. I was really frustrated.My vision was video's going to become as ubiquitous as text on the web. Everyone's going to become a video publisher. Every business is going to be able to distribute television quality video to devices everywhere. And so this was in like 2002, 2003. And so I got frustrated and left, went to a VC as a technologist and resident general catalyst and incubated brightCove.And then founded it in 2004, really with this idea that again, video was going to become as ubiquitous as texts on the web and that you needed a new generation of publishing platforms for it. That could integrate everything that was needed for either a brand like a corporation. Or an organization or a media company itself to basically do direct distribution of television instead of relying on cable and satellite and all the old ways and transform other media companies who work in television and video into being into television and video. So it was a video platform company, a SAS company, as we now call these and founded it in 2004.it had a really nice growth run. And I took it public in early 2012. And then stepped into a chairman role after about a year. Cause I had gone down the crypto rabbit hole in 2013 just became obsessed with.What was going on in crypto and made a decision to basically, start Circle.BZ: Mark Cuban emailed me a question, Mark Cuban's known you from his tech days. His question is "what did you learn from your layer or your database days that you are applying today?"J: it's actually really relevant. As I talk about the inspiration for circle and what, I've been inspired by, , in this space. in, in many ways, right?What got me super excited about the internet in the first place was this kind of obsession with the idea of the internet itself, being an open network that was permissionless that anyone could bring a computer to and connect, and that anyone who did that could take open protocols like the SMTP protocol or the HTTP protocol or the VOIP protocol, or these sort of protocols, which are really just public IP, intellectual property, that's open source it's in the public domain.People can write software to it and that you could connect anyone anywhere through these protocols and do really amazing things in terms of information, exchange, knowledge, exchange communications so powerful. That's what drew me into the internet in the first place and kind of an obsession with open networks, decentralized and distributed model.What that could unleash and really a belief that architecture could maximize access and could maximize the ability for people to to reach the most people in the world and entrepreneurship and ideas. So that's what kind of, that was what informed. The work around cold fusion back then. And so if I fast forward to crypto, that was fundamentally the insight for me in 2012 and early 2013 was this is just like a replay.This is just another open protocol on the public permissionless internet that solved a set of problems that hadn't been solved before, which was a way to ensure that data could not be counterfeited. And that transactions could happen in with certainty in an irreversible way without requiring centralization. And these are big ideas and it was like a fundamental new infrastructure layer. The internet was being born. And so when I looked at it and said, okay, This is going to do for the exchange of value. And I don't just mean moving value from point a to point b, I'm talking about the richness of what we do in exchanging value.As people, as entities, as corporations it's going to do for the exchange of value, what the web and those earlier protocols did for information and communications.And to me in 2013, like that was so profound because I actually believe the web of value exchange.If you want to, whatever you want to call it, the internet of value is going to be extraordinarily more valuable and extraordinarily more impactful than the web of information. And so it very much informed how I think about this and the work that we're doing here.BZ: When you started Circle, did you start with anyone else?J: I co-founded, the company was Sean Neville. Sean is absolutely brilliant. He he co-led the company with me almost like co-CEOs for a long time. And then several years ago, he just stepped into a director role. He's on the board of directors and he runs a crypto incubator, a crypto kind of studio incubator.But he and I had worked together back Allaire, my first company we worked together a bunch at Macromedia. We worked together and bright Cove. He's just one of the most brilliant minds technological minds, strategic minds, creative minds.BZ: Was Circle easier to raise money for than your previous ventures because of your huge track record of success?J: When we started the company, I went to people who invested with me and who had made money with me in the past and said, this is what I'm working on. And they're like, Bitcoin I don't get this. You're crazy. This seems crazy. But. We believe in you, so go for it. I mean that kinda kind of thing. So it definitely helped.2013 and then 2014, 2015, during that time, there were not a lot of quote unquote adults in the room, in the space. If people think it's a wild west, now it was an extraordinary wild west back then. And we had, seasoned entrepreneurs, technologists.We had a really strong proactive approach with regulators with kind of major fiduciaries and really worked really hard to try and build something that was compliant and that, differentiated us as well and allowed us to raise quite a bit of capital. I think, a couple hundred million dollars within our first few years of getting started.BZ: And were you personally buying Bitcoin back in those early days?J: Yeah, absolutely. And buying ethereum and when it was less than a dollar. Like Solana and it was less than a dollar.BZ: Do you still own some of that?J: I am a owner of crypto assets. I don't talk about my particular trading and liquidity strategies, I'm quite structurally long on crypto.BZ: How would you define a stable coin to a fifth grader ?J: On the internet today, I can download a piece of software like WhatsApp or or log into a service like Gmail. We're open up Google Chrome, and I can connect to anyone else. Directly, I can have a direct communication with them. It doesn't cost me anything. It doesn't matter where they are in the world.As long as they have a smartphone, they can get that piece of software. We can do that. Or if there's someone who has an idea and wants to connect their computer, the internet and put some content on it, as long as I have a web browser, I can connect to that. And that's generally the case other than, some authoritarian regimes that have great firewalls.But even there, like it's generally the case, you can connect to anyone. I can freely communicate with anyone in China right now. And that model is so straightforward. It's the air we breathe. We don't even think about it. the fact that this kind of open connect and open permissionless, global decentralized network of communications and information exists. So why can't we do that with money?Why can't we have a way. Someone can just download a piece of software from an app store. And and then someone else could download a different piece of software made by a different creator or a different piece of hardware, or log into a service and exchange value with each other instantly globally frictionlessly at no cost. it's really that simple is how do we make it possible for storing, moving dollars or digital dollars to work in exactly the same way we have with information and data. And that's what we set out to solve is that problem and doing it on the DNA of the internet, doing it around this idea of an open protocol that anyone could connect to. So that's really the fundamentals of what USDC allows for. And, but I think. Yeah the idea goes far broader because you now have essentially an open API for dollars on the internet and it's programmable dollars on the internet. And so you can do a lot with that. And the use cases are really exploding,BZ:How big is USDC these days?J:So USDC has grown really fast at the start of the pandemic, there were about 400 million USDC in circulation that was just like, let's call it six months. Or, there's a year after or so after we had launched.Then it grew to 4 billion in circulation by the start of 2021. And it grew from 4 billion to 42 billion in circulation. At the end of 2021 and it's already grown to to over 52 billion in circulation, just in the past couple months here.And so USDC is about that big and I supported, trillions of dollars of transactions. Just on the public internet using blockchains. And it's still early days. It's super early days. Our view is that eventually there could be more than a trillion USDC in circulation and could be used for every imaginable use case for money and use cases that we haven't even thought of because programmable money is not existed until now.BZ: How can USDC offer such nice interest rates when banks are giving 0.5%?J: Look so if you think about. And you have a kind of base layer, which is the sort of digital cash equivalent of USDC. And it's a regulated, digital cash instrument that exists. And it's very easy to exchange, right? With point to point as your friends or others, that you've talked to really straightforward to send it, receive it, use it.And it's become very popular as a digital currency to use in trading, investing, international payments, other things. And so as its utility has grown and as more and more people and firms want to use. +As a form of working capital as a new kind of electronic stored value working capital mechanism, there's higher and higher demand for people who want to borrow it. And so one of the really powerful things about blockchains is not only do they allow these fast transactions to happen, but you can actually build essentially, borrowing and lending models on top of it.And so there's grown over the past in particular, the past several years, the last two to three years, large, both centralized, what are often called CEFI lending markets and what are called DEFI lending markets, where the market of borrowers and lenders is convened by a piece of software on the internet. So you're not dealing with a company you're just dealing with a protocol, but nonetheless you have essentially interest rate markets of borrowers and lenders.The demand to borrow USDC is high. And the interest rate that borrowers are willing to pay is high. And that is the source of those yields. Basically you have borrowers and to put it fairly simply the other side of that borrowing and I'll use circle yield as an example, because it's the one I understand probably the most you lend us USDC and we lend it wholesale to institutional borrowers. So these are in fact, hedge funds, family offices, systemic trading firms, electronic markets, firms, or other major firms in the ecosystem that want to operate using USDC. And these are firms that are borrowing at a high interest rate, but who are generating returns in north of that.An 8% interest rate to borrow at an 8% interest rate or borrowed 10% interest rate. That's not unheard of in a lot of things. Our credit cards are 20% interest rates or 17% interest rates. venture debt, which is what startups borrow typically have interest rates of, 10, 12, 13, 14% on them. interest rates in securities lending markets, which is the interest rates that say an institutional fund would pay to borrow against their stock can be fairly high now, corporate debt that's underwritten where a corporation's borrowing against their balance sheet and their P&L and it's underwritten by an investment bank and has a coupon and rating. So that tends to be a lower interest rate debt product.But generally when you look at interest rates that people borrow, right? They vary from, most single digits to high double digits or higher. And so what you have in USDC is you have a borrowing lending markets that exist at the retail and institutional level, and those are floating right now. So in DEFI right now, you can borrow you can borrow you USDC I think for 3%. the interest rate markets adapt to kind of market conditions and demand.BZ: How secure is my money in USDC ?J:The thing to remember is USDC itself is is regulated examine it's the USDC itself is A full reserve dollar digital currency.Now, if you're lending your USDC to someone else you're determining what is the credit risk that I'm taking with, who I'm lending to. It has nothing to do with USDC. It has to do with what are they doing with it? So there are some major differences, right? Are you a secured creditor or are you an unsecured creditor? is this unsecured credit that's then being used to do highly speculative trading or is, this secured credit with known institutional counterparties? So you're dealing with a huge variance.I like to use the example of a bank, right? If you walk into a branch of Chase and you say here's $10,000, you're depositing, and you're not depositing $10,000, you're lending chase $10,000.And you have a balance that says $10,000. But actually what you have is you have a claim against their loan book. They're taking that $10,000 and they're lending it out eight times over. And you're basically saying, Hey, I think that they're going to be good for that, that the small business loans, the credit card loans, the home mortgages, the corporate debt, all the stuff that they're doing to take my money and lend it out on a fractional reserve basis eight times. But fundamentally, you've got an IOU and now, you might look at a dollar that you've deposited and chase really different than s let's say you went to a bank in Zimbabwe and they said, you can deposit your dollars. And you say I don't know, what are you going to do with my dollars? And so it all comes down to, w what in fact are you w what, in fact are you seeing on the other side of that?So we've tried to design something with circle yield, which is very institutionally friendly. It's regulated, it's supervised it's over collateralized and it only, faces the best quality institutional wholesale borrowers on the other side. And so we've just tried to build some. I think the kinds of features that make it attractive, it doesn't produce the highest yields. It doesn't produce the same yields you might see through some of these retail platforms, but there's a reason for that.BZ: Is there a chance of defaulting?J: this has become a major issue from an investor protection regime, right? So very clearly, like I think the SEC, his view is that these are lending products. They're not banks. And in fact, for the average person they're basically making an investment and a lot of these are offered as an, they're unregistered investment contracts in a sense. What is an S1? And that's one is a public disclosure document that a retail investor can read and understand. And you can decide, you can read through the S one and say what are the risks? What is this? What am I actually getting into here? And so that's fair disclosure. So that's people and, the review of a major regulator the SEC.And so that's one, one standard to look at, there are others that, don't have any of that. And so you don't actually know what the underlying risk is other than the reps that are made through marketing, or maybe some high level stuff. And so I think you have to, you have to look at this through, through that lens. now DEFI is a different story. if you get USDC. DEFI protocols have some advantages to them. But they also have a whole lot of risks to them as well.There've been DEFI protocols that were hacked. And this is like software and all of a sudden the money is managed by software and the software gets hacked and they, that's gone, but you have some, defined protocols that are more pressure tested. There's probably going to be more and more disclosure audit type requirements on defy protocols over time, as well as the market participants want to have better hygiene around them. I think, buyer beware on all this stuff.BZ: USDC has a brand. So do you talk to these exchanges to make sure that they're trying to make sure that borrowers are good ?J: Because USDC is a free floating digital currency it can be utilized in so many different applications in so many different businesses and so on. And you've got, electronic markets firms that might be.Doing a trade with someone with USDC for $300 million in one transaction, you've got other, NFT markets that are utilizing USDC for payments on pieces of digital content and the, and those are, multiple layers removed. it is important though, that we need to always ensure that people understand USDC as a dollar digital currency itself is safe, stable, transparent regulated, compliant, all these things.Just like you use your dollars with an online payment service, you can still be defrauded. It wasn't the dollars that defrauded you. It was the other side of it.BZ: Do you have a minute to talk CND ?J:We initially negotiated a merger with Concord acquisition and business combination agreement in July of last year.And getting through the SEC qualifications taken a bit longer than we had expected. We had thought it would be, consistent with other spots4-5 months it's just taken longer and which is fine, and we're getting through it. We're making progress through every round of comments. But as we walked into the new year the business outlook has changed pretty significantly. The company grew USDC really rapidly. We're in a rising interest rate environment.Our transaction and treasury services businesses are taking hold nicely. And so we looked at the actual deal was set to expire in April. And so we we re-negotiated the deal.We extended the timeline so that it had enough time to get through the dispatch and the, in the sec process.We also eliminated the pipe from the first year. we also issued revised financial outlook for 2022 and 2023, which are considerably stronger from from a both a top line and a bottom line perspective from where we were, nine months earlier or whatever that exact timeline is.And so the increase in the value of the company is really reflective of the tremendous position that we've put ourselves in with the business and obviously the new outlook.Support this podcast at — https://redcircle.com/the-raz-report/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Join us on a trip through Southern Idaho as we visit the haunted Rock Creek Station and Stricker Homesite. We also make a stop in the Samaria Cemetery to pay our regards to the interred leg of Mr. Ben Waldron.You can visit the Stricker Ranch website by clicking HERE.Web: www.RebelAtLarge.comEmail: Rebels@RebelAtLarge.comSupport the show: PatreonSupport the show (https://www.patreon.com/RebelAtLarge)

The Asian community is growing in power and strength. Asians movies, tv shows, and social platforms like Tiktok, have been gaining steam over the years. The Rise of the Asians and The Death of The African is a real thing. Africans are being diminished all across the globe. No one is standing up to protect African people. Africans people have to take a broader look into why they are being set for genocide. In this podcast, Cool Water talks about why Asians are are rising in power and taking over America. And why they are becoming the new economic power in America and the world. Also, we discuss why Africans are being set for extermination and the reasons for it. Listen Share Comment and Subscribe Blog: http://shiphopdead.com Homesite: http://thedigitaldopeman.com

Recently, rappers DMX, Black Rob, and Shock G passed from health complications. The question that most people asked, was did they leave any wealth? That answer is a no. Most artist die broke due to the trickery of the music business, film, and television. Black celebrities and the destruction of black wealth is a serious issues. In this podcast, cool water discusses the topic of the destruction of black wealth and the reasons for it. Listen Share and comment below Blog site: http://ishiphopdead.com Homesite: http://thedigitaldopeman.com