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Learn how to lead like a general and build an extraordinary team. Applying battle-tested military principles that work when lives are on the line. This episode dives deep into servant leadership, decision-making under extreme pressure, building unshakeable team loyalty, and the critical difference between positional authority and earned respect. You'll discover why the most successful leaders take credit for failures while giving their teams credit for wins, how to train your people to standards (not time), and the strategic thinking frameworks used at the highest levels of military command that directly translate to boardroom success. I'm incredibly honored to have Major General Steve Maranian on the show - and I mean that. This guy is one of the most respected leaders and change agents in military history, with global defense expertise honed over 17 years in Europe, Africa, and Asia, including combat deployments to Afghanistan, Iraq, and Kuwait. As the former Commandant of the US Army War College, Steve literally commanded and trained future world leaders while revolutionizing military education. He's currently the Commanding General of the 56th Artillery Command in Germany, where he built an entire organization from fewer than 100 soldiers to thousands, overseeing budgets and contracts worth tens of millions. Steve's the guy they call when they need someone who can build coalitions with international partners, transform organizations from the ground up, and solve the most complex leadership challenges. Trust me, what this man shares in this episode will change how you think about leadership forever. KEY TAKEAWAYS: Never ask your team to do anything you wouldn't do yourself. Take credit for failures, give your team credit for wins. Train to standards, not time - master basics before adding complexity. Use trusted advisors who will speak truth to power when making decisions. Make the counter-argument as strong as your preferred position. Personal connections drive performance more than positional authority. Commander's intent includes specific tasks and timelines, not just vision. Hope is not a method - analyze why strategies might fail. Growing your business is hard, but it doesn't have to be. In this podcast, we will be discussing top level strategies for both growing and expanding your business beyond seven figures. The show will feature a mix of pure content and expert interviews to present key concepts and fundamental topics in a variety of different formats. We believe that this format will enable our listeners to learn the most from the show, implement more in their businesses, and get real value out of the podcast. Enjoy the show. Please remember to rate, review and subscribe to the podcast so you don't miss any future episodes. Your support and reviews are important and help us to grow and improve the show. Follow Charles Gaudet and Predictable Profits on Social Media: Facebook: facebook.com/PredictableProfits Instagram: instagram.com/predictableprofits Twitter: twitter.com/charlesgaudet LinkedIn: linkedin.com/in/charlesgaudet Visit Charles Gaudet's Wesbites: www.PredictableProfits.com

SPONSOR: Direct Bullion. Download your free Guide to Gold Pensions Now. (plus get a special bonus).CLICK HERE NOW: https://robmoore.directbullion.com Rob shares the 4 laws of wealth in this episode. Many see wealth as unobtainable, even immoral but Rob explains why this isn’t true and how you can make wealth and money work for you. KEY TAKEAWAYS Never spend more than you earn Invest your surplus/savings into assets, not a savings account Always do more than you’re paid to do Don’t work hard for your money, make your money work hard for you BEST MOMENTS “I used to hate millionaires” “Volatile emotions erode wealth” “I like assets that produce income” “Always give more value than you charge” VALUABLE RESOURCES https://robmoore.com/ bit.ly/Robsupporter https://robmoore.com/podbooks rob.team ABOUT THE HOST Rob Moore is an author of 9 business books, 5 UK bestsellers, holds 3 world records for public speaking, entrepreneur, property investor, and property educator. Author of the global bestseller “Life Leverage” Host of UK’s No.1 business podcast “The Disruptive Entrepreneur” “If you don't risk anything, you risk everything” CONTACT METHOD Rob’s official website: https://robmoore.com/ Facebook: https://www.facebook.com/robmooreprogressive/?ref=br_rs LinkedIn: https://uk.linkedin.com/in/robmoore1979 See omnystudio.com/listener for privacy information.

We encounter people frequently that say their parents weren't good at money and so they never learned how to manage their finances.  If this is you, or you wnat to make sure you know the basics of financial planning, this podcast is for you.  It is never too late to learn and take control of this important aspect of all of our lives. Next week will we go over investment basics.Key Takeaways:Never too lateBudgetingSavingDebt

In this powerful episode of Journey To Legacy, we sit down with Peter Banigo, founder of Target ICT Ltd. Peter shares his deeply personal story of facing unimaginable challenges, from a devastating personal loss to watching his businesses crumble. Yet, through perseverance and a focus on his "zone of genius," he managed to rebuild his life and career from the ground up.

Ever wonder how to win a deal even when you're not the highest bidder? In this episode, I sit down with Zack, one of my students from Arizona, who's facing a tough situation—a seller is ready to sign, but there's a competing offer on the table that's $20,000 higher. We dive into the strategies that can tip the scales in your favor, even when you're up against bigger offers. From understanding the seller's true motivations to leveraging the power of FOMO (fear of missing out), we explore how to close deals by focusing on more than just the price. Key Takeaways: Never lead with price in negotiations; focus on solving the seller's problems instead. Building trust and rapport can often outweigh a higher offer. The power of FOMO (Fear of Missing Out) can make a seller more likely to accept a lower offer. Always understand the seller's situation and needs beyond the monetary aspect. Offering additional value—like convenience or faster closing—can be more compelling than just raising your offer. Resources: Deal Machine (Discount code PIN) $40k in 40 Days Challenge Driving For Dollars Mastery FREE TRAININGS – Get Started in Creative Real Estate FREE Cold Calling Script

Ever wonder how to win a deal even when you're not the highest bidder? In this episode, I sit down with Zack, one of my students from Arizona, who's facing a tough situation—a seller is ready to sign, but there's a competing offer on the table that's $20,000 higher. We dive into the strategies that can tip the scales in your favor, even when you're up against bigger offers. From understanding the seller's true motivations to leveraging the power of FOMO (fear of missing out), we explore how to close deals by focusing on more than just the price. Key Takeaways: Never lead with price in negotiations; focus on solving the seller's problems instead. Building trust and rapport can often outweigh a higher offer. The power of FOMO (Fear of Missing Out) can make a seller more likely to accept a lower offer. Always understand the seller's situation and needs beyond the monetary aspect. Offering additional value—like convenience or faster closing—can be more compelling than just raising your offer. Resources: Deal Machine (Discount code PIN) $40k in 40 Days Challenge Driving For Dollars Mastery FREE TRAININGS – Get Started in Creative Real Estate FREE Cold Calling Script

Florian Bauer is an internationally sought-after expert and speaker on the subject of price psychology and behavioral pricing. He is an honorary professor at the Technical University of Munich and author of several books on price research. He also has a doctorate in Psychology at TU Darmstadt, MIT, and Harvard. In this episode, Florian talks about how discounts can give you short-term gain but cost you long-term. He underscores that there are other means to incentivize customers without diminishing a products' value perception. And that cashback is one thing to consider other than discounts. He also talks about buyers' irrationalities and how to use Behavioral Economics to influence their decision-making and let it work in your favor.   Why you have to check out today's podcast: Learn about the psychology of price structure and how it influences consumers' buying behavior Find out what you can, what you should, and what you should not do when giving a discount  Learn how Behavioral Economics can help you influence buyers' decision-making and maximize your company's profit    “If you want to price or sell something, you have to think in two dimensions. You have to think about what people want. That's the traditional value-based approach. And you have to think in the dimension of how they decide.”   - Florian Bauer   Topics Covered: 01:28 - How Florian got started in Pricing 02:25 - What the psychology of price structure is all about 03:22 - What a price structure looks like 04:12 - What's the psychology behind using cashback than just lowering the price 06:03 - How do discounts differ from cashback 07:39 - The feeling of disconnect with cashback 08:20 - Cashback being an icing on the cake that can potentially make you feel more decided about your choice 10:02 - What's the disadvantage of discounting 11:36 - What behavioral economics means for pricing 16:15 - Different people behave differently when it comes to decision irrationalities 18:00 - His thoughts on the ethical issue about Behavioral Economics 23:22 - What is Behavioral Economics showing us and why this works in the B2B world 25:38 - How heuristics simplify complex decisions 29:35 - Florian's best pricing advice that can significantly impact your business   Key Takeaways: “Never ever give a discount without anything the customer has to give in return.” - Florian Bauer  “That's the issue with discounting. It really works very well short-term. So, you have to gain short term, but you have to cost long-term.” - Florian Bauer  “If I want to sell somebody something, I need to know what he wants, or she wants, and I need to adapt my sales approach and my pricing model, potentially, to how he decides.” - Florian Bauer “For me, the purpose of marketing, pricing, and sales is to influence decisions. So, there is no reason to have a marketing campaign or a marketing team if you would not have the idea that I can influence my customers' decision in my favor.” - Florian Bauer “I think when we talk about value and price acceptance, it's very much a story. And there is not one story better than another one. People hate to make decisions, they want to be made decided and with some stories, they are quicker in deciding than in others.” - Florian Bauer “Think about that you're not only selling value; you're also managing decisions. If you keep that in mind when you design your pricing model, you also avoid the traditional clash between pricing and sales because you're also able to tell your salespeople how they can actually execute your pricing strategy to make the customers actually follow the decision or the directions you want them to.” - Florian Bauer   Resources / People Mentioned: Daniel Kahneman: https://en.wikipedia.org/wiki/Daniel_Kahneman   Connect with Florian Bauer: Email: florian.bauer@vocatus.de LinkedIn: https://www.linkedin.com/in/profdrflorianbauer/   Connect with Mark Stiving:   Email: mark@impactpricing.com    LinkedIn: https://www.linkedin.com/in/stiving/  

Dok Kwon co-owns CUPBOP, a Korean BBQ business, with 220 stores worldwide and $3.5M monthly revenue. But it all started with a single food truck! In this episode Dok digs deep to share his insights on entrepreneurship, growing a business worldwide, and why sometimes you just have to fail the right way.Key Takeaways:Never linger with failure. You have to have the takeaway from it but you likely made the best decision with the data that you had.The biggest misconception about entrepreneurship - it looks glamorous but it requires a much higher pain threshold than working for a company.Don't take no for an answer. Execute and figure it out - to be successful you will find a way.Resources:Join the UpFlip Academy today: https://www.upflip.com/membershipConnect with Dok: https://www.cupbop.com/For more advice, check out Episode 115 where Michael Tecku shares the principles he used to scale his business to $1M per year.  https://www.upflip.com/podcastConnect with UpFlip: On Facebook On Instagram @UpFlipOfficial on Twitter For more insights to start, build, or grow a business, check out the resources on UpFlip.com or head to the UpFlip YouTube channel to see more interviews with business owners and experts. Thanks for listening!

Meet Maggie Song, a leadership coach. Upon entering the workforce post college, Maggie found herself quickly climbing the corporate ladder. After just five years she was in a management position, but knew very little about being an effective leader. She has since taken what she has learned about her unique leadership style and created a program for new leaders to bridge that gap from me to we. Key Takeaways: -Never stop working on yourself -Start inward to help others outward -Assessment tools can give you data points to pay attention to -We're all onions; we all have layers -When you laugh together, you bond together; relationships with your team are key -Set clear boundaries https://www.themaggiesongcompany.com/ https://www.instagram.com/maggiesongco/ --- Send in a voice message: https://podcasters.spotify.com/pod/show/compassionate-climb/message

Larry Kasanoff, legendary Hollywood producer and author of 'A Touch of the Madness,' shares his experiences and insights on creativity and innovation. He discusses the inspiration behind his book and the importance of embracing the madness to unleash your creative potential.  Larry encourages you to embrace your craziest ideas and not be afraid to pursue them. Key Takeaways: Never let go of an idea that you believe in. Persistence and determination are key to success. Trust your creative instincts and don't be afraid to pursue your passions. Practice mindfulness and be still to tap into your inner wisdom and make better decisions. Embrace playfulness and have fun in the creative process. Don't be afraid to take risks and think outside the box. Find out more about Larry: https://www.larrykasanoff.com/ Book: A Touch of The Madness Connect with Cass: www.cassdunn.com www.instagram.com/cassdunn_xo www.instagram.com/crappytohappypodSee omnystudio.com/listener for privacy information.

In a world seemingly drowning in despair, pessimism, and negativity, it's easy to feel discouraged. But what if we could rise above our own feelings of discouragement and help others do the same?  Today's episode is your personal roadmap to transcend discouragement and be a source of positivity for those you love and those you lead.  Whether engaging with your family or stepping into a high-stakes business meeting, you'll learn actionable strategies to into your innate ability to generate positive energy, optimism, and hope and be a lighthouse for others so that you can consistently show up at your best for yourself and the people who mean the most to you. KEY TAKEAWAYS Never underestimate your leadership influence. True leaders lift people up. Don't just wait for energy. Create it!  Celebrate past wins to fuel even greater accomplishments. Stepping back is often the fastest way forward. You only control your actions. Why bother with anything else? How being “selflessly selfish” helps you unlock your best self. Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/498 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2023 Miracle Morning, LP and International Literary Properties LLC

Molly discusses the common problem of feeling overwhelmed and stressed out when a law firm's marketing efforts start to generate too many leads. She emphasizes that pausing marketing is never the solution, but rather taking a strategic approach to managing the influx of leads. She also encourages attorneys to give their team members the time and resources to address these challenges and make data-driven decisions. The goal is consistent growth and impact, not simply getting caught up.   Key Takeaways   Never pause marketing when it's working; instead, focus on optimizing processes and operations. Streamline processes and leverage technology to handle the increased workload. Treat different types of leads differently based on their preferred communication methods. Regularly track and measure marketing efforts to make informed decisions. Get deeply curious and ask powerful questions to identify areas for improvement. Quote for the Show: "The place that you pause is in your operations." - Molly McGrath   Links Website: https://hiringandempowering.com/ Facebook: https://www.facebook.com/hiringandempowering LinkedIn: https://www.linkedin.com/in/molly-hallmcgrath/ Law Firm Admin Bootcamp: https://www.lawfirmadminbootcamp.com/ Get Fix My Boss Book: https://amzn.to/3PCeEhk   Ways to Tune In: Amazon Music - https://www.amazon.com/Hiring-and-Empowering-Solutions/dp/B08JJSLJ7N Apple Podcast - https://podcasts.apple.com/us/podcast/hiring-and-empowering-solutions/id1460184599 Spotify - https://open.spotify.com/show/3oIfsDDnEDDkcumTCygHDH Google Podcast - https://podcasts.google.com/feed/aHR0cDovL2ZlZWRzLmxpYnN5bi5jb20vMTc4MTM2L3Jzcw Stitcher - https://www.stitcher.com/show/hiring-and-empowering-solutions YouTube - https://youtu.be/v1PDTLI8DLw

About Frank Hurmoz: Frank Hurmoz is the co-founder of Hermiz Lending, an independent mortgage brokerage in the state of Michigan. He has over six years of experience in the mortgage industry and is widely considered the top choice for speed, service, and experience. He founded Hermiz Lending with his wife, Madana. Frank and Madana have been married for almost 5 years.In this episode Steve and Frank discuss:Not taking freedom and identity for grantedLearning from a mentor Growing an organic business Building a brand Key Takeaways: Never forget where you come from and never take for granted where you are right now and what you are able to freely do. Open your eyes up to the opportunity to learn from people who are successful and well established in your field. Find a mentor whom you want to emulate, don't be afraid to ask. Build an organic business by setting up a referral network instead of relying on bought leads. Anticipate rejection and keep going in spite of it. Go out there and build your business like it's a brand. Growth would be slow in the beginning, but the payoff will be immense once you've established your brand. “Be yourself. Be brave. Don't be afraid of rejection.” - Frank HurmozConnect with Frank Hurmoz:Website: https://hermizlending.com/ LinkedIn: https://www.linkedin.com/in/frankhurmoz Connect with Steve and Jason:LinkedIn: Jason or SteveWebsite: Rewire, Inc.: Transformed Thinking Email: grow@rewireinc.com Show notes by Podcastologist: Justine TallaAudio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

On this episode of INCOGNITO the podcast, Michael interviews Andre Watson! Andre is the Assistant Director for National Security under Homeland Security Investigations (HSI), the principal investigative component of the Department of Homeland Security. In this interview, Michael and Andre discuss the nuances of navigating Andre's various identities both in and outside of the workplace, what it means to foster strong relationships in the workplace based on mutual respect and curiosity, and the importance of aligning opportunities with individual passions wherever possible. Andre and Michael discuss what it means to be called to leadership and the truth proven time and again that we have more in common than not. Key Takeaways: Never ask someone to do something you haven't done or wouldn't be willing to do Leverage opportunities as a means of improving connections We have more in common than not Learning about someone's passions and experiences makes us better leaders Building strong relationships is crucial to leadership Align opportunities with passion (where possible) to increase the likelihood of success The character of a person must match the calling of leadership Four tips: 1) patience 2) open mind 3) willingness to listen 4) seek support Andre's Media Recommendations: True North: Discover Your Authentic Leadership by Bill George and Peter Eagle Sims (Book) Leadership Promises for Everyday by John C. Maxwell (Book) __ For more of Michael's work, visit our website www.incognitotheplay.com or follow us on Instagram @incognitotheplay __ Thanks to Ned Doheny for providing our podcast music! You can find him and his music on Spotify. Editing and co-production of this podcast by Nina Kissinger. Email info@incognitotheplay.com with questions or comments about the show!

In this episode, Mark hands the mic to Ashley Stahl, a former counterterrorism professional turned career coach. In this feed drop from Ashley’s You Turn podcast, Ashley interviews Chris Voss, the lead international kidnapping investigator for the FBI, author of Never Split the Difference, and CEO of the Black Swan Group. Today, Mark hands the mic to Ashley Stahl, a former counterterrorism professional turned career coach. In this feed drop from Ashley’s You Turn podcast, Ashley interviews Chris Voss, the lead international kidnapping investigator for the FBI, author of Never Split the Difference, and CEO of the Black Swan Group. In this masterclass on negotiation, Chris and Ashley cover salary negotiation tactics, how to use empathy to get what you want, negotiation psychology, and so much more. Key Takeaways: Never go first. Chris says the secret to gaining the upper hand in negotiations is giving the other side the illusion of control. That’s why the smartest and best negotiators let the other side go first. He who speaks first loses, since you're giving the other side a lot of information right off the bat, and you’re not learning anything you can use in your favor. If you’re asked a question first, respond, but don’t answer the question right away. Pivot as much as possible back to the other person and make them divulge first. There are no bad teams, only bad leaders. Chris says that if his people are responding to him poorly, then he’s failing as a leader, and he needs to make some changes. The more work-focused a leader gets, the more the work product suffers. If a leader isn’t happy with the job somebody's doing, they’re likely treating that person as a commodity and not as a human being. Make sure you’re spending enough time nurturing and encouraging your people and finding out who they are. Empathy means understanding, not caring. Empathy has become a synonym for caring about the other side. But Chris says empathy is really about completely understanding where the other side is coming from. If you need to like, agree with, or sympathize with someone to exercise empathy, then what happens if you don’t like them? What happens if you don't agree with them? You can't exercise empathy if those are necessary requirements. But if you don't need any of those things, you can exercise empathy with any human being on the planet. Seek first to understand, then be understood. In any negotiation, this is the fastest sequence to get your way. You don’t have to agree that the other person’s perspective is true, fair, or even reasonable. All you have to do is reflect their perspective back to them, so that they feel like you understand them. Focus on fixing losses vs. accomplishing gains. The reasons why we won't do something are more important in our decision-making than the reasons we will do something. 70% of sales are made by people trying to fix losses, not accomplish gains. So in any given negotiation, the reasons why someone doesn’t want to agree will play a bigger role than the reasons why they should agree. Don’t give lip service. If you hear the other side out in a negotiation, you need to adjust what it is you have to offer after hearing their objection....

In this episode, Jeannette talks to Sergeant Wallace, who is a police sergeant in Jamaica. He talks about what motivated him to pursue a career in the police service, despite having failed to get into the force twice. A move that ended up with him being sent to university by the police to study social work.   Sergeant Wallace talks about how having the primary aim of helping people to solve their problems generates positive outcomes for all parties. They talk about the impact living in a tourist area has had on local culture. Jeannette also asks him about gender equality and inclusivity in Jamaica. As well as how are working to improve the perception society has of the police.   KEY TAKEAWAYS   Never give up on your dreams. Identify your weak points, and what is holding you back and continuously work to address them. Regardless of the work you do, never forget it is all about serving people, your customers. Aim to make positive connections with people. Do your job as if you have already taken the next step up the ladder. Treat everyone equally and with respect. Sometimes you need to compartmentalize what happens at work to stop it from negatively impacting family life. Nip bad things in the bud. If you don´t things will escalate. Reflect on how others have helped you. It will fuel your positivity and motivate you to help others too,   BEST MOMENTS ‘In life, acknowledge your weak points and work on them. ´ ‘Be there for people. Be ready to help them to solve their problems.' ‘Listen twice as much as you speak.'   This is the perfect time to get focused on what YOU want to really achieve in your business, career, and life. It's never too late to be BRAVE and BOLD and unlock your inner BRILLIANCE. If you'd like to join Jeannette's FREE Business Impact Seminar just DM Jeannette on info@jeannettelinfootassociates.com or sign up via Jeannette's linktree https://linktr.ee/JLinfoot    VALUABLE RESOURCES Brave, Bold, Brilliant podcast series - https://podcasts.apple.com/gb/podcast/brave-bold-brilliant-podcast/id1524278970   ABOUT THE HOST Jeannette Linfoot is a highly regarded senior executive, property investor, board advisor, and business mentor with over 25 years of global professional business experience across the travel, leisure, hospitality, and property sectors. Having bought, ran, and sold businesses all over the world, Jeannette now has a portfolio of her own businesses and also advises and mentors other business leaders to drive forward their strategies as well as their own personal development.   Jeannette is a down-to-earth leader, a passionate champion for diversity & inclusion, and a huge advocate of nurturing talent so every person can unleash their full potential and live their dreams.    CONTACT THE HOST Jeannette's linktree  https://www.jeannettelinfootassociates.com/ YOUTUBE LinkedIn Facebook Instagram Email - info@jeannettelinfootassociates.com   Podcast Description   Jeannette Linfoot talks to incredible people about their experiences of being Brave, Bold & Brilliant, which have allowed them to unleash their full potential in business, their careers, and life in general. From the boardroom tables of ‘big' international business to the dining room tables of entrepreneurial start-ups, how to overcome challenges, embrace opportunities and take risks, whilst staying ‘true' to yourself is the order of the day. See omnystudio.com/listener for privacy information.

Over the course of the lockdowns, people everywhere have been upskilling and developing themselves. Now that people are starting to get back to their teams, how can we develop ourselves for the future? Let's break down what developing yourself looks like for you and the 8 action steps I believe will help you reach your goals. On this episode: What does development look like for you as a leader? Whatever the case is, you need to be proactive and take ownership of it yourself. I give you 3 questions to think about today to develop your leadership journey.  You need to come up with a solid development plan. I talk about getting clear on where it is you want to go and the 8 ways you can get there.  Key Takeaways: Never wait for others to develop you  Understand your gaps so you can build an action plan Figure out where you are today and where you want to go  Plans aren't enough - you need execution to reach your goals Figure out the best way you receive to research and education Get yourself accountable through coaching, mentoring, or events   Tweetable Quotes: “Never wait for others to develop you, because it's never going to happen… Just think about what YOU need to do and what's right for you.” - Denis Gianoutsos “If you've got a goal: understand where you are today, understand where you want to go, and then understand there's going to be some gaps and then pull a plan together to help close those gaps.” - Denis Gianoutsos “Put your hand up and give it a go…! When you're out of your comfort zone, that's when the magic happens.” - Denis Gianoutsos  Reach out to Denis: Email: denis@leadingchangepartners.com Website: http://www.leadingchangepartners.com/ (http://www.leadingchangepartners.com/)  Leadership Is Changing Facebook Group: https://www.facebook.com/groups/LeadershipIsChanging/ (https://www.facebook.com/groups/LeadershipIsChanging/) Leadership is Changing LinkedIn Page: https://www.linkedin.com/company/leadership-is-changing-podcast/ (https://www.linkedin.com/company/leadership-is-changing-podcast/)

I did a thing this week, I sent my book to the editor.   In some ways it feels like a major step on a new and uncomfortable experience. Writing a book has been on the long life list of things I wanted to do someday. I know this isn't the summit. The manuscript will come back in a couple weeks marked and dismantled, but I am excited for that. It means someone else is going to see something I spent 3 months writing and another month editing. It's out of my hands and further down the path. I strongly encourage taking a look at your someday-maybe list. With the thanksgiving holiday coming up it might be a great time to sit down with family and review/revisit/create that someday-maybe list. I love talking about the someday-maybe list, the dream list (maybe you have another name for it), but taking the steps to do the thing is a different kind of experience. I highly recommend it! I'm definitely at a checkpoint and ready for a snack still a ways off from the summit. What is something on your someday-maybe list that you would like to take action on? Website for this episode: https://ordinarysherpa.com/052Subscribe to the email List:  https://ordinarysherpa.com/subscribe/ Earlier this year I participated in a Book-writing Mastermind call that Rachel Richards led. She was one of few who inspired me to write a book.  Her authentic and audacious voice in the financial space made the content fun, simple and welcome change from the stuffy and dry tone more common in the space.  At the age of 27, Rachel quit her job and retired, living off over $15,000 per month in passive income. Rachel has made a name for herself in the personal finance realm as the bestselling author of Money Honey and Passive Income, Aggressive Retirement. The reason I invited Rachel on Ordinary Sherpa was watching her navigate a season of location independent lifestyle with her husband and dog.  She set out for months  living vivaciously in AirBnbs, making a second side following as a hiking influencer exploring the peaks and valleys of the western United States. Key Takeaways Never underestimate the parenting benefits of having a strong-willed child.  Look at Rachel as an example of what is possible Times have changed but the way we look at retirement hasn't.  Rachel made space to change the narrative and offer insight into what retirement could look like for a millennial.   How many sources of income do you have?  We are taught that having a salaried full-time position equates to job security and income security. Rachel disagrees with that approach because you're completely dependent on a single source of income.  Much like we are advised to diversify our investment portfolio, Rachel also highlights the value of diversifying your income.  She shared at least 5 different sources of income she has and how that has shifted over the past few years. Passive Income is not a get rich quick scheme.  It's front loading the work so later we do not have to trade time for dollars.  In addition to her book: Passive Income Aggressive Retirement, she also offered all of my listeners a free bonus.  Passive Income starter kit available at moneyhoneyrachel.com/bonus Spending 6m exploring the western United States had highlights and shadows.  While it was an amazing experience overall, the stress, cancellations and maintenance issues they had to work through with various Airbnb and VRBO rentals was extremely taxing.  Rachel indicated she is seeing a shift back to hotels for this reason.   When spending 6m traveling around the country you also don't have a social life where you can go meet up with friends in the evenings. It was her and her husband together 24/7 for six months straight. So you gotta make sure you really do like your person that you're with. Traveling is hard on dogs.  While her dog Chloe adjusted after a couple months, having things like gates, lots of chew toys, and leaving them with some of their shirts helped ease the initial anxiety. As referenced, episode 036 | Traveling with Pets that might also be helpful resource  While the initial plan was to hike in many of the national parks, they realized that wasn't feasible due to the restriction with dogs on hikes.  Since they had no interest in boarding their dog, they readjusted their overall travel plans and still made a few day hikes to a couple national parks.   Maybe it was David Goggins book Can't Hurt Me that sparked her interest to inflict pain and set out to tackle all the 14ers in Colorado.  She summited her first 14er in March completing Quandary and would not recommend doing in winter.  To prepare she referenced the website 14ers.com and many forums and Facebook groups, but really it's about doing steep elevation hikes. “Well, it's one of those things where you don't grow unless you force yourself to be uncomfortable, whether it's physical or emotional or whatever, but I think it just comes back to that.” To Connect or Follow Rachel Richards:Website:moneyhoneyrachel.comInstagram: @moneyhoneyrachel Tik Tok: @moneyhoneyrachel Books: Money Honey; Passive Income Aggressive Retirement

In this episode, Managing Director of Sagesse Lumiere, Dr. C. Adam Callery, talks about small In businesses in the wake of the Covid-19 pandemic. Today, Dr. Callery talks about the implications of the pandemic on future business strategies, the importance of agility, and understanding cashflow. How often should a business of any size check their financial status? Hear about some emerging trends, three critical activities for success, how Dr. Callery helps other entrepreneurs, and get his valuable advice, all on today's episode of The Healthy, Wealthy & Smart Podcast.   Key Takeaways “Never confuse faith that you will prevail in the end.” “If you want to be successful moving forward, you have to be ready for these unexpected changes.” “You can't be afraid to act fast, but you don't want to be reckless.” “You have to take a step back sometimes and attack a problem formally.” “I cannot just assume that because my bank account has money in it that I'm actually in a good position.” “You have to position yourself, or maybe carve out specific time, for you to really learn your industry.” “You have to be close enough to the operations to know what's going on.” “It is extremely important, whether you're an existing business owner or a new business owner, to truly understand what cashflow means.” “You can do it. You can actually be an entrepreneur. Just go out and do it.” “Bring people around you who have the knowledge that you need, because you're not going to know everything, and if you adapt that knowledge, you'll be successful.”   More about Dr. Callery Dr. Callery is an entrepreneur and higher education educator. For the past eleven (11) years, Dr. Callery has worked directly with the start-up and emerging business communities at a national level. For ten of the eleven years, Dr. Callery has held the roles as facilitator and trainer for two (2) nationally recognized small business growth programs, the US Small Business Administration's Streetwise MBA Program in Chicago and the Goldman Sachs 10,000 Small Businesses Program. His company, Sagesse Lumiere, a small business coaching and consulting firm, was established seven years ago to complement the work he was doing in these programs. To date, Dr. Callery has advised over one thousand small business founders while participating within the national programs cited above. Dr. Callery, as a coach and consultant, works with small business owners on approaches to effectively build value by deploying new business practices and processes to improve financial performance and operational efficiency. Prior to working with small business owners as a business coach, Dr. Callery worked for several Fortune 1000 companies such as IBM, Dow/Dupont, Pepsi, United Airlines, and First National Bank of Chicago. His broad industry experience has prepared him to be a capable business consultant. Since leaving the corporate arena, he has become a trusted advisor for many small business founders. As a higher education educator, he has served as an Associate Dean for workforce development programs and currently works as a tenured faculty member for Harold Washington College, one of the City Colleges of Chicago. Dr. Callery has earned a Bachelor's in Chemical Engineering from Illinois Institute of Technology; a Master of Business Administration from University of North Carolina, Chapel Hill; and a Doctorate in Higher Education from National Louis University, Chicago.   Suggested Keywords Healthy, Wealthy, Smart, Small Business, COVID-19, Research, Success, Cashflow, Entrepreneurship, Mentorship, Finance   Resources: The Goldman Sachs 10,000 Small Businesses Program WSC1998: AVOIDING THE BLUES FOR AIRLINE TRAVELERS   To learn more, follow Dr. Callery at: Website:          https://sagesselumiere.com Twitter:            @callerysagesse Instagram:       @callery_sagesselumiere LinkedIn:         Dr. C. Adam Callery   Subscribe to Healthy, Wealthy & Smart: Website:                      https://podcast.healthywealthysmart.com Apple Podcasts:          https://podcasts.apple.com/us/podcast/healthy-wealthy-smart/id532717264 Spotify:                        https://open.spotify.com/show/6ELmKwE4mSZXBB8TiQvp73 SoundCloud:               https://soundcloud.com/healthywealthysmart Stitcher:                       https://www.stitcher.com/show/healthy-wealthy-smart iHeart Radio:               https://www.iheart.com/podcast/263-healthy-wealthy-smart-27628927   Read the Full Transcript Here:  00:03 Hi, Dr. Callery. Welcome to the podcast. It's an honor to have you on. So thanks so much for joining me.   00:10 I'm so happy to be here. And so glad you invited me to attend your podcast.   00:14 Oh, this is great. And you know, like I said in the, in the intro, you were our lead instructor for the Goldman Sachs 10,000 Small Business program. So I owe a lot of my being a therapist and having to be a business owner to now being a business owner who happens to be a therapist to you and the rest of the staff and business advisors. It was really life changing. So thank you so much.   00:40 Well, I think I thank you for being a participant in the program. It's a hard program, we asked a lot of you for an extended period of time. And I have to say, I cannot do it solely by myself. It really is just a good strong team that covers so many different areas of business management that's needed for most small business owners. So I'm just having to have good people around me, that helps make the process very smooth.   01:05 Yeah, absolutely. And today, we are going to talk about sort of small business owners, and the effects of COVID-19, which we have been in for the last 18 months and doesn't look like it's ending anytime soon. But we are back to work. There are mitigation factors in place. But now, how do we position ourselves for the long term in this new world? So my question is, what are some of the lessons you have learned over the past 18 months? And what are the implications for your future business strategies?   01:50 Well, I think that's a great question. Because myself, I'm also a business owner, I am a small business coach. And I would have to say for the last 18 months, that's been a question that's been raised many times, I can think back to March, when we first moved into COVID. Everything shut down. And to be honest, it seemed very dark at that time. And then for the next three to four months, I was working with a lot of small business owners, and we were having those discussions, what are what's next, you know, how do I get out of this. And in fact, if you started to look at the newspaper, you'll see headlines saying this is the worst crisis since the depression or behind closed doors, there's calamity. And when you read those phrases, it actually diminishes your ability to be a leader, and organizer of your business. And so what I had to do as a coach started having different discussions and say, we must look forward. And the way I did that was having a time with individuals to stop and say, Hey, if we take a look at the Great Depression, or the great recession of 2008, those same phrases were being said then, yet, we were still standing in 2020. So we have to believe that we're going to pass through this period as well. And so the discussion became, how do we do that, and in most cases, and then bring back or I should say, shorten your horizon from looking out two to three years, to just make it now bring it down to three months down the six months, make it manageable, it was easier for you to see out three months, it's easier for to see how six months, and then just be very tactical. And so during that last quarter of 2020, through the beginning of the initiation of 2021, many of the conversations with business owners have centered on that, how can we focus on some short tactical goals that keep the lights on, they keep my current employees satisfied, so they stay with me to make sure the customers I do have still like the services are providing or the product that they're buying from us. Therefore, we have to maintain the same level of quality. So just being very tactical that way. And then hopefully, when we're on the other side, we can then return to a posture where we're thinking longer term.   04:06 And all that, to me just sounds like a small business owners that we have to be really agile, and we have to be able to pivot. And so can you speak to a little bit more about agility as a business owner, and how we can foster that if it's something that we're not used to?   04:28 Well, agility, you know, it's a strong word, right? So it means that we're flexible. But again, coming through this COVID period, it didn't seem like flexibility existed. Everywhere I turned, something was shutting down. So I've seen closer to the end, then something that was gonna be an opportunity in the future. And I came across a quote, it came out of the book called Good to Great. That was written in 2001. And I wrote it down someone just read it verbatim because it's a unique quote, but I think it addresses issue. It says never confused. That you will prevail in the end. So that saying this thing of, I have faith that I'm going to win, I have faith that my business is going to win, it's going to be successful, and I'm gonna make a lot of money from it, or I'm going to be fame, I'm going to become famous from it, you have this faith, you got to have this confidence, that's probably a better word, I got to have the confidence that I will make it through. But here's what the rest of the quote says it says, I can never lose that confidence. However, I must have the discipline to confront the most brutal acts of your current reality. So the current reality of 2020 was, everybody's impacted at the same time, my competitors, my peers, people across the ocean, everyone is getting hit with this calamity. So now I have to think out of the box, and I also have to think very practically, so that's where the agility comes in, I didn't have a lot of time to wait six months to see if it's gonna work, because I may not be here. So I may have to take some cost cutting measures that are going to be very draconian, but necessary, I may have to talk to my staff and negotiate with them, and maybe get them to take a cut and pay, letting them know I'm trying to keep everyone alive here, I may have to talk to my customers in a different way and find out, are you still here? You know, are you still viable, because my customer is also impacted by this. So then I can sort of forecast what my sales potential could be. Because many of the customers went out of business for many of my clients. So agility means that you are being sorry, that you're focusing on today. And you're being very practical, very tactical, you're using your experiences, from your I should say, your past experiences as a business leader, and a business owner. But you also are willing, and here's the key, you are willing to take in advice from subject matter experts who are in your industry, and also outside your industry to help you navigate this because this was so unknown, a lot of unknown territory that we were crossing through.   06:55 Absolutely. And I would also think that in that time, I'll use the example of the physical therapy profession, but kind of acknowledge acknowledging emerging trends during this time. So for the physical therapy world, certainly here in New York City, we were close, literally shut down ghost town from March to almost June or July of 2020. So what do you have to do to keep things going? So the emerging trend was telehealth? Yeah, telehealth has been a trend and it has been coming up and coming up. But I think as a PT, if you didn't acknowledge that that trend existed, and didn't hug that trend, like it's your best friend, you you were in trouble, right? So what other kinds of trends Did you see within the small business world that people had to acknowledge and embrace in order to not only bring them through 2020. But I'm sure a lot of those trends have continued well into this year.   07:56 I agree 100%, the hardest trend, and I don't know if I can call it a trend, that's probably more of an action, the action that I may have to return to what I was before. And what I mean by that is, maybe we're a sizable business, you had 50 employees, or maybe employees and contractors working for you that accounted for about 50 people that you're responsible for, had a fairly good customer base that you're working with COVID hits and everything shuts down. Now, you may have to go back to what you were three years earlier, that's when you started the business where you were a smaller company, not as nimble because you were smaller, but you were very focused and very targeted. And that was the trend, I was saying that people say I'm at the roll back to where I was before. And that by rolling back doesn't mean I'm failed, which is another trend element. It doesn't mean I'm failing, it means I had to adjust, you know. So it's realizing that businesses aren't always going to go up with hockey stick and grow, grow, grow, grow without interruption, that there will be these troughs. And if I hit a trough, I may have to back up a little bit. In this case, people have to back up a lot. A great example of that would be the restaurant community. Here in Chicago, I've seen it all over where people physically had to change the menu, they may have 30 items on the menu. And they just took duct tape and started covering over things and reduce the menu down to something that they could manage based on staff based on a cost of the ingredients based on just pure demand, because now they're doing just takeout services, no longer doing to sit in services. why they do that, because I have to still pay the rent, I still have to pay some utilities, I still have to pay something. So I have to have some money coming in. And I want to be here for the next day. So I may have to swallow deeply. And Take another deep breath and say I have to go back to where I was maybe when I started the business so I can survive this period not knowing if you remember not knowing back in April, how long is this going to go? Because the predictions were two months, six months, two years, five years. Nobody knew. So You had to be very specific and very intentional about how far you will go back in time in order to survive and be here for the future.   10:09 Yeah, I mean, gosh, back in March, when New York City shut down, I was like, ah, six or eight weeks, we'll   10:15 be back up and running. Let's see, 18 months later,   10:21 not quite back to where we were. But getting closer. But to your point, yeah, I thought it would just be like six or eight weeks. And this will be a little adjustment that I'd have to make in my business. But it, it actually turned into a long term adjustment that I love. And I'm glad now that it's part of my business. So that ability to pivot quickly actually turned into a big positive for my company, because now I can actually see more people because I don't have to see them in person.   10:51 I agree. I agree. And I stole something else out to you. It's not so much of a trend, but it's probably a revelation. So we know a lot of business owners have different backgrounds, and they come from different walks of life. And so if we put an academic hat on, we have individuals coming out of MBA programs, and they have knowledge around business. The key is what does an MBA program teach? What MBA program teaches is that you need to go out and look at the environment that you're in. So that means you research on what some of these latest trends are. When we have a situation like COVID, I know many business owners typically don't worry about what the trends are, they worry more about what's going on in their daily environment in their community, and their marketplace, and they're just focused on can I sell something tomorrow, I think COVID has opened up a new reality that if you want to be successful moving forward, you have to be ready for these unexpected change as well. How can I reduce the number of unexpected changes, I start to do some research, I start to do some reading in my industry and also outside of my industry. So I can see those trends that you were talking about earlier. So telemarketing has been or tele health rather, has been around for a long time. People talk about it, but it wasn't economically feasible. Then when I need it, those who knew about it jumped on it. So but I had to know about it, I needed to have that information. So this is an important time as business leaders now to say, what else do I need to know? Do I need to join my industry associations? Do I need to go out and and go to conferences, go to particular training programs, where I can start to learn about what is going on around me so I can be better equipped for the next situation may not be a pandemic? Or it could be droughts, if you're out west? Who knows? It's going to be something so how can I be prepared for the next something?   12:39 Yeah, because you know, something that you had brought that you brought up in our kind of communication before we recorded this is and I like this phrase you put in quotations, you can't be afraid to act fast. But you don't want to be reckless. Yes, yeah, right. And so by doing the research, you can act quickly, and not in a reckless manner. Because you know where you are, you know, what the industry is holding, and you've got that research. So you can act quickly with authority. And with some sense of operation.   13:15 I agree. And ask where, you know, we want to say, you want to be intentional. And that's what that word really means. And especially when we're in our programs, we use that word a lot. But it's good to unpack it. So you just mentioned and that reckless, and I'm not trying to be strong willed. So when I'm talking to my employees, I'm trying to hit them over here with a club, but I'm intentional. So I have I know where I want to go, I've taken the time to do some research. So I've set a goal in mind, I've also decided on a path that we can take, but I'm also willing to ask around to see if that's the best path. So that's where I'm not being reckless, I'll go ahead and qualify it by talking to other subject matter experts, talk to other people in the industry and say, This is what I want to do based on my capabilities. What do you guys think? What do you people think? And that can help me then to minimize risk? Because we'll never eliminate it. We're just trying to minimize risk. So we can be successful.   14:10 Absolutely. And so now, we've we've sort of identified research we have we spoke to people, we got advice. Now we want to move forward. So we need some sort of formal operations. So these operations, as you said, they kind of revolve around three critical activities. So can you share with the listeners what those critical activities are, to make that those formal operations successful?   14:38 So I can that'd be beautiful. We've met through the Goldman Sachs program and what I've learned over the last 10 years in that program, is that you have to take a step back sometimes and attack a problem formally. And so we start off with the purpose, what is your business purpose? And what that means, of course, is what do you think? to do in your marketplace, who you're trying to sell to, why you're doing it, why are you actually involved in this work? The second thing we try to do is examine how we actually do the work. And this is the operational piece. So how do we actually do the work? How do we earn our revenues? How do we manage our team? How do we actually produce the product or service? Are we doing it efficiently? And then the last piece I call her reflection, but that's the research piece. I've been doing this for five years, I've been doing it for 10 years, is this the best way to do it now, based on the changes in the business environment, changes in government regulations, changes in social trends, changes in the number of competitors, or the type of competitors that so the three pieces are looking at my purpose? Why did I get into this business? Why do I want to do this or continue to do this kind of work, I look at my model my business model in general, and think about how I currently conduct business and see there's a better way I can do it more efficiently, more effectively. And then last but not least, I have this reflection or research activity that I do continuously continuous learning to make sure I understand my marketplace, understand my industry, understand what's happening with competitors around me also start to probe and find out are my customers still satisfied with what I'm doing? And if not, what do I need to do to reach them?   16:21 Yeah, and I'm glad that you said that you're continuously looking at this, because this isn't something that you do when you start your business, you assess your purpose, your model and solutions and reflect. It's not like you just do it once. Yes. Like how often would you say do you recommend even the business owners that you work with, kind of go through these three critical activities?   16:47 Well, I think we can take the model from the corporates. Now you understand corporations are huge, billion dollar places, but they are billion dollar places for a reason. And that is because they do take the time to annually look at what they do, and assess whether or not is making sense. So if I was any business owner, I don't care what size you are, I would make it a point to say maybe in the fall, that November period, Christmas period, when it's kind of quiet, people focused on vacation or focus on the holidays, you take that time, sit down with your management team and say, hey, let's think about how our last year went. Is there something that we want to do better, right doesn't mean that you did anything wrong? Is there something that I can improve upon? Or are there some new things coming down the pipeline that I need to be aware of, or we'd need to be aware of, that we need to plan for starting in January. So doing an annually isn't a bad practice. And if you do it formally, and you do it every year, it just becomes part of your routine. And you'll start to think about the questions you want to ask each other during those sessions. And you'll be able to flesh out what is happening with the business. In fact, you probably want to go ahead and bring in some of your key employees that sit them around a table, get some insight from them on what they're experiencing, when you're engaging your clients, when they're engaging your suppliers, or if what they see, in general, they may see some things in the market that you have missed. And it's a good time to sit back and get their feedback as well.   18:16 And how often would you say suggest to a business owner small of any size, but let's say a small business owner, to really look at the financials of their business once a quarter every month, every week, every night before you go to bed? Like is there overkill? Or? Or what? What are your thoughts on that?   18:40 That's a tough question is a tough question, right? Because Is there any should you have any limit on when you look at your numbers, because for instance, everybody will tell you, you need to know your numbers. So if I'm sitting in front of an investor, or a banker, they're going to say you need to know your numbers. But I guess the question is, what are they really asking me? They're probably just asking, do you know enough about your numbers to tell me whether or not you're profitable? That's really the question they want to know. And they want you to be able to tell them that, tell them you're profitable in a confident manner. And they can easily see if you're sort of dancing around the question, right? Because you really don't know your numbers today. They can sense that in the way you respond, your eye contact, and so on. So to your direct question, how often should I look, if I put on my accounting hat, we typically look once a month. So every month we take a step back, and we see how the business is performing financially. In order to do that, we probably need to have some type of system in place. That could be a QuickBooks system, or it could be a cell spreadsheet. It depends on the complexity of your business. And that's when we have to define a small business. So small business can be defined as any business with less than 500 employees. That's a big business. But let's say I'm a mom and pop I have less than 10 employees. In fact, I am the key employee and everyone else is a contractor. If I'm that size, once a month is probably still appropriate, I need to take the time to stop. And look, I cannot just assume that because my bank account has money in it, that I'm actually in a good position. So if I take the time, look at it once a month, that's probably enough. The furthest I would like to go out is probably three months, you know, quarterly, but want to go beyond that. Because a lot can happen to a business in two days, let alone in 90 days. And if I'm not keeping track of my numbers, I may find myself in a very dire cashflow position, and maybe find myself going out of business fairly quickly.   20:42 Yeah, excellent advice. Excellent advice. Thank you for that. And you know, as we start to wrap things up, what would be if you could give one or two pieces of advice to let's say, a new small business owner, so their business is less than a year old? What is your best advice for those business owners?   21:04 I think it's extremely important for the person just getting started to do some of the things we're talking about earlier, you have to position yourself or maybe carve out specific time for you to really learn your industry. So that could mean joining an industry association, going to those industry association meetings. So that's gonna take time, read some of their white papers that they generate about your industry. So for instance, I was at one time I was looking at buying a limo service, I love this guy service used to take me to the airport all the time, all his drivers were professional, his cars were clean, well maintained. And all I knew about the business at the time was the fact he took me in a limo to the airport. But that's not knowing the business. So I went ahead, I contacted limo Association, they sent out to me information on the business, you know, on the industry, the cost factors, the maintenance issues, some of the trends in the industry. After reading all those materials, and learning that it was a very highly capitalized business, I realized that it wasn't for me, at that time, still like the business. But I knew I was not in a position where I had enough capital to keep the cars up to spec to meet the requirements of running a limo business. So if I'm starting a business, whatever it is, I need to know as much as possible about that industry and the business model itself. How's the business make money? What are the cost factors? What are the what are the cost influencers, I need to know that like the back of my hand, then when I'm running the business on a day to day, I need to be in the business to see how it really operates. I've met some people that have started a business. And I've started another one that started know when I started another one. And I now ask them I said, Well, how do you possibly run three businesses at the same time? Well, I got people working for me. And what comes to mind is something someone told me many years ago, is that you have to smell the people. And what this is gain from Business School, and the professor was saying, you have to be close enough to the operations to know what's going on. And if you're too far away from it, there's too many things that can happen to the operations that will shut you down. And so if you're just getting started, your focus needs to be in the business and getting the business to a place where it's stable, and is sustainable. That usually means creating cash reserves, that usually means bringing in solid employees, it usually means having a great understanding of your customers so that you know you have returning customers that'll help keep the business afloat.   23:42 Excellent. Thank you so much. I know a lot of people that listen to this podcast or maybe budding entrepreneurs, they've been in business for maybe a year or two. So I think that advice is really great for that group. Now, is there anything have we not covered something that you were like, I want to hit this point during this podcast?   24:02 I think it's important, we haven't used that key phrase. And that's cash flow. It is extremely important whether you are a existing business owner, or a new business owner to truly understand what cash flow means. And so when we talk about cash flow, what it means in general, is that we're talking about the money that's coming in. And that's where most people focus is, Hey, I'm making revenues, things are going well. But you can't just stop there, you got to think about the cash outflow. And people say I write the checks every day, I know how much money is going out. The third piece is timing. You have to think about when the money has to be paid out. When does that liability has to be paid out, and whether or not I'm going to have enough cash on hand to pay it on time. Because once I default on that payment, I'm now in trouble. The bank is knocking at the door. My creditors are knocking at the door, my investors are knocking at the door and I'm going to have problems paying my employees so on and so on. So cash flow is very important. And it's important from the standpoint of you have to truly understand the definition of it. And what it means is inflow is outflow. And it's also timing. When is the money coming in to pay those current debts that I have? Will I run into a situation where I don't have enough coming in to pay those debts? And if I do, what am I going to do about it? Am I going to reach into my personal account and pay it? Am I going to run down to the bank and ask for a line of credit? Do I need to run out and find investors? Who can give me additional cash to help me close that gap? So cash flow is critical?   25:36 Yeah. And I think, as you were saying that the thing that popped into my mind is, ooh, this is why Ponzi schemes ultimately fail.   25:44 Yes, yes. Because the money stops coming in. And their commitments outweigh our Yeah, extend beyond the, the amount of money that's coming in.   25:54 Right. Right. Yeah, that is why a Ponzi scheme fails. And, and I agree that cash flow is so important. And it's something that I didn't really wrap my head around fully until the Goldman Sachs program. You know, I knew like, yeah, money's coming in. But once I started doing cash flow statements, I was like, Ah, okay, yeah. Now I got it. No, I know, I can now I understand this as, as one of the three sisters, you know, your cash flow statement, your balance sheet, and your income statement.   26:32 Exactly, exactly. And it's the cash flow statement, and we never talk about, you talk about it. If you again, be school, we talk about all the time, but most people just stop at the income statement. In particular, they stop at the income side, then when you introduce the balance sheet, I don't see why I really need it. I don't have any assets. But they don't combine the two to come up with the cash flow. And that's what you really want.   26:53 Yeah, yeah. Excellent. All right. Now, where can actually let's talk before we before I asked, Where can people find you? Why don't you talk a little bit more about your business? And how you help other entrepreneurs, your coaching business and what you do to help entrepreneurs?   27:12 Well, what I do is I focus in the business development area, as well as the operations or organizational development area. And what does that mean? So I come in as a business coach, not as a consultant, I sit down with my clients, and we have discussion. So it's like we're doing now and we focus on the issues that are facing them. So in a business development side, for instance, such as a marketing issue, we're not talking about social media, what we're talking about is more around a target market. Have they identified the right persons, or the right audience? When it comes to marketing? Also, you got to think about the delivery of the product and service. Are there some challenges in terms of quality, some challenges in terms of delivery, that they're facing? And then we start to peel back a little bit? And this is where we get into the operations? Why are you having those challenges? Is it a capability issue is a capacity issue, these things have to be fixed, or the marketing, social media really won't matter? So I focus on a business development sort of working backwards? What are you trying to sell? What are you servicing? How are you working with your clients? And what are your business capabilities, what is what is your business capacity, in order to essentially achieve the goals that you've set for the business or to meet your current demand for your customers, those are all very important pieces, because most businesses will suffer or in a trough when they get to that third and fifth year when they try to scale up. And they always find, hey, I have this resource deficit. And I usually think it's money but it's not so much money, it's really capacity and capability, they may not have the right people on hand, they may not have the skill themselves in order to scale up and they need to go back, build up those skills so that they can grow. And that's where the coaching comes in and sort of help the build up those skills.   28:57 Awesome. Now where can people find you?   29:00 Well, they can find me right on the internet. I have a website out there, my, my company has a very unique names, it's called suggests luminaire and will suggest and stores wisdom, and then luminaires light. And so right out there on the internet, I have a web page where you can contact me through that or you can come back contact me through LinkedIn. So I do have a LinkedIn profile out there. That's probably the best way most people will contact me through LinkedIn. And then we'll set up an appointment and we go from there.   29:29 Perfect and we will have direct links to all of that at podcast at healthy wealthy, smart, calm and the Show Notes for this episode, so don't worry if you didn't have a pen you can take it down. totally get it we will have one click direct links to all of that. And now, Dr. calorie for the last question, which is a question I asked everyone, knowing where you are now in your life and in your business, what advice would you give to your younger self   29:57 so what I would tell my younger self I'm fully invested in entrepreneurship, I would tell my younger self is that you can do it, you can actually be an entrepreneur. To be honest, when I came out of school or coming came out of undergraduate, my mind wasn't there, my mind was I had to go through this career track, because that's the only possibility that entrepreneur thing, or that small business thing was just too far out there. You have to literally be born into it. It has to be a legacy relationship in order to start a business. Today, I recognize after meeting so many people in this space, that's really not it is really tied to have any interest. People use the word passion, but I go beyond the same passion, you really have that ambition that you're willing to give all in order to accomplish this. And so I would tell my younger self, that you do have that ability, you do have that ambition, just go out and do it. Bring people around you who have the knowledge that you need, because you're not gonna know everything. And if you adapt that knowledge, you'll be successful.   31:03 And I think that's great advice. And especially for a lot of the physical therapists who listen to this podcast, because so often we graduate, and we think, well, I'll work at a clinic, I'll work at a hospital, I'll do that for 40 years, and then I'll retire. You know, it's like, it's never it. Because in school, we're not really given any entrepreneurial mentorship or classes, you really have to seek it out on your own. And so I think that's great advice for any students listening or newer graduates, who think, Well, my mom wasn't wasn't an entrepreneur, my dad or I don't, I don't have any real role models in my immediate family, but that you can do it if you surround yourself with the right people, and you have the ambition and passion to do it. So I think that is excellent advice. So thank you for that. Well, and thank you again, for coming on the podcast and for being a great instructor in the Goldman Sachs 10,000 Small Business program, I can put a link up to that too, if people are interested in learning more about the program because it is a life changing program. It was for me and I'm sure as an instructor, it must have been for you as well.   32:13 Oh, it hasn't. It hasn't, I have to say, I never, I never thought I'd have this experience. It's been now going into my 11th year and I've actually set before 1000 business owners never thought that could happen in my wildest dreams and having the ability to have conversations like we're having now. Again, it's opened up my mind to say the The possibilities are limitless in this country when it comes to being able to create something that you want to create. And that's the beauty of it. So it's it's a fantastic opportunity. Fantastic country fantastic. Time, even though it's difficult time, it's a fantastic time to to do something that you want to do.   32:57 Excellent. And on that note, I will wrap things up by saying thank you again and thank you to all of the listeners for tuning in today. Have a great couple of days and stay healthy, wealthy and smart.

Mike “C-Roc” Ciorrocco is the CEO of People Building, Inc., the powerhouse behind the “What Are You Made Of?” movement, and the author of ROCKET FUEL Convert Setbacks Become Unstoppable.He is a performance coach, author, dynamic public speaker, tech visionary and thought leader.There's so much more.Mike is a ball of energy...he exudes it.He has invested in learning and growing - himself, his companies and his family. He's always pushing forward.More importantly, Mike had some tough lessons - healthy portions of crow, that shaped his drive and desire to help others.KEY TAKEAWAYS:Never stop learning. Mike continually invests in learning - serious financial investments - that produce returns.You need to find out what you are made of. How well can you take a punch? Can you get up off the floor and go again?It doesn't matter what business you build - just make sure you work to become the best at it.Find a team. Mike has a close group of people around him who are not afraid to call him out; he trusts them 100%EATING CROW MOMENTS:One big one - he got burned, and it cost him dearly. Most people would have folded their tent right there. Not Mike, he dusted himself off and went right back into the ring.You can find Mike here:https://www.linkedin.com/in/michael-ciorrocco/http://www.nationsbranch.com/c-roc/http://www.themikecroc.com/https://join.peoplebuildinginc.com/linksSupport this show http://supporter.acast.com/eating-crow. See acast.com/privacy for privacy and opt-out information.

In this episode, we learn the story of Inge Vanhoorne. Inge, who is from Belgium, was diagnosed with multiple sclerosis in 2009 at age 26. She tells her story of how living with MS has affected her and how she has managed to live a full life and keep moving forward. Inge tells a refreshing story of accepting your circumstances but always trying to improve yourself. Follow Inge on Instagram - @ay_em_inge Key Takeaways - Never give up on yourself. - Feeling like a victim does not help. Get rid of the victim mentality. - If people or things in your life are holding you back, get rid of them. - Surround yourself with positive people.   ///// Buy Rod's Book "Get Back Up" >>> Buy Here Learn more about & contact Rod Cate:Rod Cate Website Twitter Facebook LinkedIn   More About Rod Cate and Get Back Up: On August 14, 1981, Rod broke his neck while making a tackle that left him paralyzed from the neck down. In a split second, he went from athlete to quadriplegic. Get Back Up is the story of Rod's life journey and provides a detailed account of what it's like to be handicapped, how to overcome it and how to thrive. The book gives you a look into trying legal cases through the eyes of a handicapped lawyer. The book's purpose is to hopefully motivate you to not allow life's sometimes devastating twists and turns ruin your quest for a great life. If your life is perfect and you have never suffered a tragedy, this book may not be for you. For the rest of us who have hit a bump or two on the road of life and are still trying to make it happen, this is your book.

John Lee Dumas is a Superstar of podcasting. He is the host of Entrepreneurs On Fire, with over 3,000 episodes, over 1 million listens a month, over 100 million total listens, and millions of dollars of annual revenue. In this episode JLD tells his inspiring story of how he started his award winning podcast in 2012 after coming out of the military, and how he has built it into a powerhouse. Along the way he imparts his wisdom and philosophy. KEY TAKEAWAYS: Never be a pale imitation of someone else. Be yourself! Robert's featured song in this episode is “Gorilla” from The Queen's Carnival album by Project Grand Slam. Robert chose this song because John Lee Dumas is the proverbial 10,000 pound gorilla of podcasting. Listen on Spotify - https://open.spotify.com/track/383T8kTZ7b6Y3kBieoJHqb?si=EyLN_r8eTte2gxOgw5ar9Q&dl_branch=1-------------------------------------------- Robert's celebrated band, Project Grand Slam, will be performing a Benefit Concert at Shakespeare & Company in Lenox, MA in the Berkshire Hills on August 17th at 8:30pm. For more information and tickets click HERERobert's “Follow Your Dream Handbook”, a combination memoir and how-to, telling his personal story and giving readers step-by-step instructions how to follow and succeed at their dream, will be released on August 26th. The Handbook has already been endorsed by many people. Look for it on Amazon and wherever books are sold! If you enjoyed the show, please Subscribe, Rate, and Review the podcast. Just click here. Get your Complimentary DREAM ROADMAP with Robert's 5 steps to pursue and succeed at YOUR dream. Just click here: https://www.followyourdreampodcast.com/dreamroadmap Connect with JLD at https://www.eofire.com Connect with the Follow Your Dream Podcast:Website: www.followyourdreampodcast.comInstagram: https://www.instagram.com/followyourdreampodcast/Facebook: www.facebook.com/FollowYourDreamPodcastEmail Robert: robert@followyourdreampodcast.com Follow Robert's band, Project Grand Slam, and his music:Website: https://www.projectgrandslam.comStore: https://www.thepgsstore.com/  YouTube: https://www.youtube.com/user/PGSjazzFacebook: https://www.facebook.com/projectgrandslam/Spotify: https://open.spotify.com/artist/04BdGdJszDD8WtAFXc9skWApple Music: https://music.apple.com/us/artist/project-grand-slam/274548453Email: pgs@projectgrandslam.com

Join BDO's Center for Corporate Governance Amy Rojik as she sits down with Sarah Feingold, Co-Founder of The Fourth Floor to discuss corporate governance considerations in the start-up world and what has driven her passion for helping connect diverse individuals to the boardroom.Key Takeaways:Never too early for good governance: Can be the “rocket fuel” for a company's trajectoryA diverse board is a powerful board and skillset needs continue to evolve in the boardroom to help companies build, broaden their network and scale the businessBoards are NOT one-size fits all: As a prospective board member, “aim your arrow” – align your own subject matter expertise and experience with a network and a focus on specific companies that will benefit from your knowledge and add to your personal growthValue: Start-up opportunities can be incredible learning opportunities, may lead to equity, expanded networking, and a path to additional board/career roles

On this week's episode of Sell Without Selling, Stacey breaks down a priceless take on the "One Call Close" and offers insight on why some salespeople close at 10% and others close at 80%.  Key Takeaways: -Never stop working on yourself. -Never stop investing in yourself. -It's important to know who your perspective client is. Tweetable Quotes: "When talking about your perspective client, it's important to realize that it's not a matter of if they're going to buy... but a matter of who they're going to buy from." -Stacey O'Byrne "Get clarity on how you should show up." -Stacey O'Byrne Resources: Instagram: @pivotpointadvantage Schedule a 15 minute call with Stacey:http://pivotpointadvantage.com/talktostacey ( http://pivotpointadvantage.com/talktostacey) If you’re ready to take yourself and your business to the next level and are interested in a coaching program that will get you there check out:http://pivotpointadvantage.com/iwantsuccess ( http://pivotpointadvantage.com/iwantsuccess)  Join an interactive environment to help you build the success you’ve always wanted with other like-minded, success-driven entrepreneurs, business owners, and sales professionals:https://facebook.com/groups/sellwithoutselling ( https://facebook.com/groups/sellwithoutselling)  

In this episode, Esmie and Lisa discuss: Challenges of adulthood. Growing up without riches How to have engaged employees and avoid having a toxic work environment? Tips on staying happy when you encounter toxic people. How to treat toxic people Key Takeaways: Never forget who you truly are. In life, it is important to know what is meant for your abilities so that precious time is not wasted. Never settle for a toxic relationship. It is a huge unprofitable risk. A toxic work environment forms because of poisonous leadership and a lack of employee engagement.  You decide whether you are sad or happy, do not let others bring you down. Make an effort to be positive around toxic people, be the bigger person and acknowledge the situation. If this fails, decrease time with the individual or cut them off. Lisa Ryan, CSP, helps organizations develop employee engagement strategies that keep their top talent from becoming someone else's. Lisa is a Certified Speaking Professional and best-selling author of ten books. She also has served on many non-profit boards, including serving two terms as President of the National Speakers Association, Ohio Chapter. “When you create a spot in your life, you leave that job, or you get rid of that toxic person out of your life, it expands to bring in somebody else to fill that and hopefully a more positive person or a more, you know, positive workplace environment.” –Lisa Ryan   Contact Lisa: Website Linkedin Instagram FacebookContact Esmie:Linkedin Facebook Instagram Youtube Subscribe & Review in iTunes Did you subscribe to my podcast? If you're not, I want to encourage you to do that today. It would help if you didn't miss an episode. https://apple.co/2Xk75Or              Listen on I heart radio  PS. It's important to disclose that many of the links on the esmielawrence.com website are affiliate links, which means that if you choose to make a purchase, I will earn a small commission, which allows me to continue hosting the blog and website. This commission comes at no additional cost to you. Rest assured that the commission does not affect which items are listed on my website. Thank you for your support. Show notes by Esmie Lawrence.  Audio production by Brian Calkins Podcast Mechanic #lifecoachtraining #womensnetwork #livebydesign #betterbusiness #businesswisdom #thinkbigger #businessleader #coachingforwomen #mindsetmakeover #aspiringentrepreneur #healthcoachtips #healthymindset #lifecoachinghappiness #womenempowering #sheboss

Jerry is a husband, father, and 26-year veteran of the mortgage industry. He has been married to his college sweetheart Michelle for 31 years and they have lived and raised their family of 5 children in the rolling hills of central Maryland for the last 22 years. He and Michelle founded Corridor Mortgage Group in the fall of 2000 and grew the company from 8 employees to a team of 150. In October 0f 2018 Jerry led the entire Corridor family through a transition to SWBC Mortgage where he serves as a Senior Vice President on the SWBC leadership team. In this episode Jason and Jerry discuss:Living an integrated life and the realization that home, work and faith are all integrated, not separate.Checking the hard and difficult things off your checklist first.Being willing to work harder than the next person in line to be successful.Being alert and looking for opportunities to engage others. Key Takeaways: Never make assumptions about your employees; they are people, not assets.The decision for people to leave or stay with a company has more to do with their confidence in and the integrity of leadership, and whether or not they will be able to make a difference in people's lives.Embrace change that takes you outside of your comfort zone—that will lead to the most growth. “I wanna do everything I can with that dash or that piece of life on this earth that I'm given to make a difference.” - Jerry Rader Mentioned: Grit by Angela Duckworth Connect with Jerry Rader:Instagram: https://www.instagram.com/swbcmortgage/Facebook: https://www.facebook.com/swbcmortgage/Website: www.swbcmortgage.comEmail: jerry.rader@swbc.comLinkedIn: https://www.linkedin.com/in/jerry-rader-8234abb/ https://www.linkedin.com/company/swbc-mortgage/ Connect with Steve and Jason:LinkedIn: Jason or SteveWebsite: Rewire, Inc.: Transformed Thinking Email: grow@rewireinc.com Show notes by Podcastologist: Kristen BraunAudio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

Florian Bauer is an internationally sought-after expert and speaker on the subject of price psychology and behavioral pricing. He is an honorary professor at the Technical University of Munich and author of several books on price research. He also has a doctorate in Psychology at TU Darmstadt, MIT, and Harvard. In this episode, Florian talks about how discounts can give you short-term gain but cost you long-term. He underscores that there are other means to incentivize customers without diminishing a products’ value perception. And that, cashback is one thing to consider other than discounts. He also talks about buyers’ irrationalities and how to use Behavioral Economics to influence their decision-making and let it work in your favor. [powerpress]  Why you have to check out today’s podcast: Learn about the psychology of price structure and how it influences consumers’ buying behavior Find out what you can, what you should, and what you should not do when giving a discount Learn how Behavioral Economics can help you influence buyers’ decision-making and maximize your company’s profit   “If you want to price or sell something, you have to think in two dimensions. You have to think about what people want. That's the traditional value-based approach. And you have to think in the dimension of how they decide.”  - Florian Bauer   Increase Your Pricing Knowledge: Become a Champions of Value INSIDER! To sign up go to insider.championsofvalue.com   Topics Covered: 00:37 - How Florian got started in Pricing 01:34 - What the psychology of price structure is all about 02:31 - What a price structure looks like 03:22 - What’s the psychology behind using cashback than just lowering the price 05:13 - How do discounts differ from cashback 06:51 - The feeling of disconnect with cashback 07:38 - Cashback being an icing on the cake that can potentially make you feel more decided about your choice 09:29 - What’s the disadvantage of discounting 11:09 - What behavioral economics means for pricing 16:04 - Different people behave differently when it comes to decision irrationalities 20:11 - His thoughts on the ethical issue about Behavioral Economics 23:44 - What is Behavioral Economics showing us and why this works in the B2B world 26:08 - How heuristics simplify complex decisions 30:23 - Florian’s best pricing advice that can significantly impact your business   Key Takeaways: “Never ever give a discount without anything the customer has to give in return.” - Florian Bauer “That's the issue with discounting. It really works very well short-term. So, you have to gain short term, but you have to cost long-term.” - Florian Bauer “If I want to sell somebody something, I need to know what he wants, or she wants, and I need to adapt my sales approach and my pricing model, potentially, to how he decides.”  - Florian Bauer “For me, the purpose of marketing, pricing, and sales is to influence decisions. So, there is no reason to have a marketing campaign or a marketing team if you would not have the idea that I can influence my customers' decision in my favor.” - Florian Bauer “I think when we talk about value and price acceptance, it's very much a story. And there is not one story better than another one. People hate to make decisions, they want to be made decided and with some stories, they are quicker in deciding than in others.” - Florian Bauer “Think about that you're not only selling value; you’re also managing decisions. If you keep that in mind when you design your pricing model, you also avoid the traditional clash between pricing and sales because you're also able to tell your salespeople how they can actually execute your pricing strategy to make the customers actually follow the decision or the directions you want them to.” - Florian Bauer   Resources / People Mentioned: Daniel Kahneman   Connect with Florian Bauer: Email: bauer@vocatus.de LinkedIn   Connect with Mark Stiving:    Email: mark@impactpricing.com LinkedIn

KEY TAKEAWAYS:Never allow grace to be a cloak for sin.We are justified by faith alone, and set free from sin, not for or to sin.Never forget what grace cost Christ!Christ set us free from the Law by bearing its/our curse on the cross.If righteousness is attainable through keeping the law of Moses, then God’s gracious act of sending Christ to die on the Cross to pay for sin was unnecessary and uselessFor more information about this show, includes additional notes and details, please visit the show page here or visit our home page at SeekingourGod.comMusicLife of Riley by Kevin MacLeodLink: https://incompetech.filmmusic.io/song/3976-life-of-rileyLicense: http://creativecommons.org/licenses/by/4.0/

Liana Martinez is 29 years old. Her and her fiance own two health clubs in New Jersey. She also does online training and is a clothing brand owner. Growing up Liana played basketball, cross country, and softball. She has been competing for 6 years and has so much to share about how she evolved in the sport. She actually coached herself through most of her journey. Liana says "I've had two coaches. I took what I learned and continued to grow after that doing it myself" Her husband was a huge inspiration and mentor during her growth. Liana coached herself to getting her pro card and is now coaching herself in the pro circuit. She shares about how she tracks progress and makes changes to her nutrition and training. She also shares with us about he 2020 year, chasing points to make it the Olympia.   Key Takeaways Never feel like you should be ahead or youre falling behind, everything comes right on time. Throw away the scale You don’t need anybody but yourself When you have a coach, you listen, you learn, and you ask questions Save your meal plans Sometimes when you switch things up, the judges forget who you are You're the only one who is holding you back from anything you want to accomplish Liana Martinez Instagram: @ifbbpro_miniboss Website: lianamartinez.com  Become a patron: https://www.patreon.com/bikinidiaries   LetsGetChecked trylgc.com/bikini use code Bikin20 for 20% off your test!   "Use the code, "Bikinidiaries" for 10% off your purchase at Angel Competition Bikinis and don't forget to order your free sample kit  HERE!!! Bikini Stop Store: Merchandise on all things bikini ----->MyBikiniStop Join the Bikini Diaries Facebook Group Bikini Diaries The Highest Quality of competition tanning product protanusa.comUse code bikinidiaries for 20% of your next order   Shoe Fairy: Use code : BikiniDiaries https://shoefairyofficial.com    Check out My Affirmation: myaffirmationfitwear.com Inside of every legging is an affirmation Use Code: bikini diaries for 10% off your next order   Grab your Bikini Diaries Honorary Tee to support the podcast https://naiymafit.com/shop/ Use code: bikinidiaries for 20%off   Na'iyma Thompson Instagram: @Naiymafit Website:  Naiymafit.com Email: Naiymafit@gmail.com Bikini Diaries Podcast Instagram: @bikinidiariespodcast

Cheah Chin Teik is founder and President of Chin Teik Consulting Ltd., based in Hong Kong. Chin Teik is an experienced coach in organizational and leadership effectiveness for business results, scale-ability and sustainability via alignment and engagement of entire workforce. Chin Teik facilitates senior executive and/or executive teams to a clearer understanding of their leadership behavior while embedding a system of management practices to deliver business results. Renowned worldwide for his dynamic and intuitive consulting process, Chin Teik’s specialization areas are executive coaching and/or executive team coaching on strategic planning system and process, organization effectiveness, leadership and management development and system of management implementation. Chin Teik also specializes in enabling ‘HR and Training strategies for organizational impact’ and implementing ‘Continuous Improvement Process’. Chin Teik’s coaching and consulting efforts cut across a wide range of industries from Legal, Water Utility, Elevator, Oil & Gas, Advertising, Packaging, Precision Engineering and Semiconductor. A charismatic global leader, Chin Teik has amassed invaluable experience in manufacturing, training & development, total quality management and over 28 years of experience playing critical human resource roles in Intel on a regional and global scale. Chin Teik has to his credit the prestige of setting up the first-ever 10, 000 sq. ft. Intel University Training Center to deliver ‘Transformation of Workforce’ program to entire factory. Chin Teik also played an instrumental role in the founding of the Penang Skills Development Center. Chin Teik can be reached at chin.teik@chinteik.com. On This Episode: Chin explains how he “accidentally” became a leader. Find out how others have shaped and shifted Chin through his career. Unlock the power of no. Learn how to successfully manage change and transition. Find out how to create a strong organization and team culture. Denis explains how to change your perspective on job interviews. Hear the 5 R’s and 5 C’s of leadership. Key Takeaways: Never be complacent. Always stretch your people. Be totally fair. Tweetable Quotes: “A lot of who I am and what I am comes from my past.” “Anytime there’s a gap between your target and your current, you have to do something different.” “Possibility is limited by our current paradigm.” “Once you know your strength, shout it out.” Cheah Chin Teik chinteik.com Denis Gianoutsos: denis@leadingchangepartners.com https://my.captivate.fm/www.LeadingChangePartners.com%C2%A0 (www.LeadingChangePartners.com )

Welcome to THE TRUE NORTH COLLECTIVE℠ PODCAST: SEASON 3! With co-hosts Rachel Bellotti (she/her) and Jenell Riesner (she/her), this is a gathering of un-sugar-coated conversations celebrating the untold stories of everyday people fearlessly finding and living their true north.  In our own search to discover and live from our TRUE NORTH, we continue to meet many interesting, courageous people from all walks of life, doing all sorts of amazing things to live life in their own unique way. Stories from all over the world. Stories with heart. Stories with grit. Stories with plot twists. Stories going untold - until now. This season, we celebrate these untold stories of everyday people who are fearlessly living their true north and inspiring each of us to do the same. Today, we talk to Seth Souza (he/him), Jenell’s backpacking + adventure buddy, who's into ALL things outdoors, and is building a business, Get Moving Adventures, that incorporates nature and outdoor activities as a way to address mental health. From journaling + collaging, break-ups, being in jail, being in nature, finding your own happiness and then sharing it with others, recognizing social support, owning your part, sharing your story, living for today vs planning for tomorrow, and impermanence. We also bring back conversations on poop - we know you’ve been missing it!   *note: this episode includes explicit language appropriate for those ages 16+   RESOURCES MENTIONED: #amplifymelanatedvoices @melaninbasecamp #amplifymarginalizedvoices @pattiegonia #amplifymelanatedvoices @wildginna #amplifymelanatedvoices @theblackoutdoors Grizette Solar Shields 10% Happier by Dan Harris Duncan Trussell Family Hour Podcast Mark Atkinson Music from: https://www.jukedeck.com/   3 KEY TAKEAWAYS: Never underestimate the impact of helping just one person. We often get trapped in this idea that the only way to make a difference is to help as many people as possible. But what if you could help one person so deeply that they in turn were able to fully live and be the person they were meant to be? And what if the one person you could help was yourself? Influence comes in different forms and breadth is not the only way to change the world.  Sharing your story is personal. And the how and when of sharing your story is up to each of us. And it’s up to each of us to notice when we are curating our story for the audience, at expense to ourselves. And it’s up to each of us to trust that we know best who gets to hear the raw honest truth of our story or the pieces that feel right for us to share. There is no right or wrong way, but we each have to be accountable to our stories and be responsible for owning how + when we share them + with whom. Are you living for today or planning for tomorrow? Are you sacrificing your current quality of life for a future state quality of life that may never unfold? Where are you putting your resources? This is a big question with no right answer. What if it’s both? Each of us gets to decide what our balance of living in today and preparing for tomorrow is and we have no idea how much time we get so it’s a gamble either way. At least give yourself the space to ask the question and listen to what your heart and soul answers today so that you can be true to you, whatever that truth may be.   TIME-STAMPED SHOW NOTES: [1:30] Dumping the dump [7:35] Journaling [13:50] AD: Sarah Philipp, founder of Abundelicious, and Season 1 guest (S1|E5) is currently offering a course for wellness trainers + coaches who would like to start offering remotely, but maybe aren’t sure where to start. Pre-sales for the course start Aug. 1st. Sign-up here. [15:00] Welcome, Seth! [16:30] Wanting to live as much as you can [26:00] What pulls you through lower days? [29:00] Being ready for change [33:00] How + when to tell your own story [45:00] Impermanence [50:00] Living for the day vs planning for the future [56:00] Trusted surrender - finding YOUR edge between taking control + letting go [58:00] Living for the day when you’re in jail [1:04:00] Being a number + a convicted felon  [1:10:00] Being able to accept help + support from others [1:14:15] We are the keepers of this specific slice of life [1:19:00] Choosing to engage with your life [1:23:30] How do you live your TRUE NORTH? [1:23:40] Reach out to Seth via IG @adventureswithseth or via website getmovingadventures.com

49: Why I Hate Being A Miss Singapore (Even though It Changed My Life) I had to work doubly hard. It's a double-edged sword. Never give up on your dreams. Yes, you will face so many challenges that could either make you or break you but it's always up to you how you will handle these challenges. Always be on the positive side of things. Let those negativities be your drive to make yourself better and to go out of your comfort zone. Today I wanna talk about why I hate being a Miss Singapore, being a beauty queen here in Singapore, and how I eventually learned to embrace it. To learn more about the journey I've been through, tune in to this episode.How I leverage being a Miss Singapore03:04 - 03:26 I leverage in my Ms. Singapore title and my exposure in the media. So all these were all positioning, strategies that eventually got me to where I am. But I wasn't happy. Because when you are Ms. Singapore and when you're a beauty queen people will think that you're using beauty to do the work. Beauty to get things done. 03:31 - 03:42 But we all know that's not the case. Well, at least not for me. Because I had to work doubly hard, triply hard 03:47 - 03:48 to prove myself. 04:08 - 04:18  I super disliked when people talked down to me in a certain manner or women talking to me like ‘Oh no because you're Ms. Singapore that's why you get the job' 04:19 - 04:28 You know in a very cynical and skeptical way and sometimes comes with a pinch of sarcasm. And all these things I couldn't understand why. 06:57 - 07:04  So what's my point of telling you this story? I turned my mess into my message.The difficulty of being a Miss Singapore04:02 - 04:07 Through that rose-colored lens that they judge me I hate it. I hate being judged. 04:38 - 04:47 Why are you judging me because I get very good projects, I get really good jobs, I get really high profile clients, why aren't you happy for me? 04:54 - 05:19 So all these emotions and all these thoughts actually still went through even as I progressed into building an online, building my business online. Bringing my business online in 2013 and then later on doing a cafe retail chain. The same thing, I was facing difficulty because I was Ms. Singapore. 06:57 - 07:04 So what's my point of telling you this story? I turned my mess into my message. 07:11 - 07:27 I told myself ‘I'm not going to let anyone determine my future. So what if you're jealous? You hate me, you skeptics, you have disgust, sarcasm and you're always using Oh because you're Ms. Singapore, what?'Filtering the negativities07:39 - 07:49 I kind of put up a filter, this UV light that kills bacteria, I kind of like put a UV light surrounding myself right now and none of this nonsense can get to me ever again. 07:55 - 08:00 This story is something that I'm gonna turn from negative to victorious. 08:03 - 08:16 Within a year I rebranded myself from the cafe retail chain business I redesign from the ground up the way I should be, the way I am, the way I want to be seen as a leader in the marketplace. 08:48 - 09:00 And also for those skeptics and naysayers and dreams layers out there, I will say thank you, it's because of you I got out of my comfort zone and continue to strive to be better. 09:01 - 09:21 (20) A different version of myself 2.0. I never gave up and that's why I'm where I am today. And because I did not choose to accept all this negativity, I weed out those negative people, good people came into my life.Key Takeaways: Never give up. Go out of your comfort zone and strive to be better. Redesign and rebrand yourself the way you want to be seen as a leader in the marketplace. Don't let negativity pull you down. Don't let others determine your future. Key Resources:Subscribe to Genecia's Youtube channel: https://www.youtube.com/c/SoulRichWomanVisit SRW's website: https://www.soulrichwoman.comFollow Genecia on Instagram : (@Geneciaalluora)Follow Genecia on Facebook: https://www.facebook.com/geneciaalluora/Check Genecia's LinkedIn: https://www.linkedin.com/in/genecia/Free Resource: "Soul Why: Soul Rich Woman Blueprint" and "How to Delegate 80% of your to-do list" ---> https://be.soulrichwoman.comSecrets of Manifesting Money Quickly Online Course ---> https://shor.by/moneymindset

Our athletes have the capacity to become tough, gritty individuals. As coaches, we have the capacity to help them get there. We want to teach our athletes to be mentally tough, to do the right thing in everything that they do, and to succeed at challenges they think are beyond them.  During this interview, Athletic Director and Head Football Coach Zac Harrell of Athens ISD discusses the importance of putting our athletes in tough situations so we can help them become mentally tough. Coach Harrell also stresses that we should never ask our athletes to do something that we haven't done because the example we set for our athletes is that important. Key Takeaways: -Never ask athletes to do something you haven't already done. -Sacrifice for the team. -Teach athletes to be mentally tough.   To learn more about the 2Words Character Development curriculum, visit www.2words.tv/gameplan  For access to 3 weeks of curriculum, please visit www.2words.tv/gameplan3 For any questions regarding interest in the curriculum or scheduling Mackey for a virtual locker room talk, please email Colton at colton@2words.tv

Over 300 manuscript rejections can build resilience.   Today's featured local author is mental health advocate, Dwayne Jenkins. Dwayne and I talk about what inspired his published book, overcoming rejection from multiple publishing companies, and more!!!   Key Takeaways: Never give up and keep going strong. If you have a solid idea and a good story for a published book, keep at it. Be comfortable inside of your own skin. Inspiration can come from anywhere. Believe in your own vision and show your passion in your work. When writing a fiction book, have your characters thought out before you start writing. Keep yourself mentally balanced.     Dwayne's Book: https://www.amazon.com/Dwayne-Jenkins/e/B07T4KC857?ref=sr_ntt_srch_lnk_3&qid=1566318031&sr=1-3   IG: @LeDwayneJenkins Twitter: @LeDwayneJenkins  FaceBook: Dwayne Jenkins   The opening track is titled, "The Dark Knight" by Asis Galvin. To listen to the full track and purchase it, click the following link. https://asisgalvin.bandcamp.com/track/the-dark-knight   Related Episodes: 12 - "Introverts Unite" with Altovise Pelzer (@FindYourVoiceNow): http://goingnorth.libsyn.com/going-north-podcast-episode-12-altovise-pelzer-findyourvoicenow   13 - "Water in a Broken Glass" with Odessa Rose: http://goingnorth.libsyn.com/going-north-podcast-episode-13-odessa-rose-findyourvoicenow   59 - "The Kayorne Scrolls" with Lucas Orion Carter (@the_prince_of_the_stars): http://goingnorth.libsyn.com/59-the-kayorne-scrolls-with-lucas-orion-carter-the_prince_of_the_stars   62 - Defying the Verdict with Charita Cole Brown: http://goingnorth.libsyn.com/62-defying-the-verdict-with-charita-cole-brown   65 - "Stronger Than My Struggles" with Melony Hill @STMSBmore: http://goingnorth.libsyn.com/65-stronger-than-my-struggles-with-melony-hill-stmsbmore   77.5 - Local Author Bonus Special (LABS) with Nelson Brown: http://goingnorth.libsyn.com/775-local-author-bonus-special-labs-with-nelson-brown   80 - "Incubator Grind" with Mansu Edwards (@Ohassa): http://goingnorth.libsyn.com/80-incubator-grind-with-mansu-edwards-ohassa   81.5 (Local Author Bonus Special) [LABS] - "A Beautiful Tragedy" with Retta Timmons (@ImagineMeLLC): http://goingnorth.libsyn.com/815-local-author-bonus-special-labs-a-beautiful-tragedy-with-retta-timmons-imaginemellc   120.5 (Local Author Bonus Special) [LABS] - "The Children of Time" with Victory Parsons (@ReadLiftRepeat): http://goingnorth.libsyn.com/1205-local-author-bonus-special-labs-the-children-of-time-with-victory-parsons-readliftrepeat   166 - "Inmate 458627" with Rashad "Bowtie" Mills (@RashadMills629): http://goingnorth.libsyn.com/166-inmate-458627-with-rashad-bowtie-mills-rashadmills629  

Over 300 manuscript rejections can build resilience.   Today's featured local author is mental health advocate, Dwayne Jenkins. Dwayne and I talk about what inspired his published book, overcoming rejection from multiple publishing companies, and more!!!   Key Takeaways: Never give up and keep going strong. If you have a solid idea and a good story for a published book, keep at it. Be comfortable inside of your own skin. Inspiration can come from anywhere. Believe in your own vision and show your passion in your work. When writing a fiction book, have your characters thought out before you start writing. Keep yourself mentally balanced.     Dwayne's Book: https://www.amazon.com/Dwayne-Jenkins/e/B07T4KC857?ref=sr_ntt_srch_lnk_3&qid=1566318031&sr=1-3   IG: @LeDwayneJenkins Twitter: @LeDwayneJenkins  FaceBook: Dwayne Jenkins   The opening track is titled, "The Dark Knight" by Asis Galvin. To listen to the full track and purchase it, click the following link. https://asisgalvin.bandcamp.com/track/the-dark-knight   Related Episodes: 12 - "Introverts Unite" with Altovise Pelzer (@FindYourVoiceNow): http://goingnorth.libsyn.com/going-north-podcast-episode-12-altovise-pelzer-findyourvoicenow   13 - "Water in a Broken Glass" with Odessa Rose: http://goingnorth.libsyn.com/going-north-podcast-episode-13-odessa-rose-findyourvoicenow   59 - "The Kayorne Scrolls" with Lucas Orion Carter (@the_prince_of_the_stars): http://goingnorth.libsyn.com/59-the-kayorne-scrolls-with-lucas-orion-carter-the_prince_of_the_stars   62 - Defying the Verdict with Charita Cole Brown: http://goingnorth.libsyn.com/62-defying-the-verdict-with-charita-cole-brown   65 - "Stronger Than My Struggles" with Melony Hill @STMSBmore: http://goingnorth.libsyn.com/65-stronger-than-my-struggles-with-melony-hill-stmsbmore   77.5 - Local Author Bonus Special (LABS) with Nelson Brown: http://goingnorth.libsyn.com/775-local-author-bonus-special-labs-with-nelson-brown   80 - "Incubator Grind" with Mansu Edwards (@Ohassa): http://goingnorth.libsyn.com/80-incubator-grind-with-mansu-edwards-ohassa   81.5 (Local Author Bonus Special) [LABS] - "A Beautiful Tragedy" with Retta Timmons (@ImagineMeLLC): http://goingnorth.libsyn.com/815-local-author-bonus-special-labs-a-beautiful-tragedy-with-retta-timmons-imaginemellc   120.5 (Local Author Bonus Special) [LABS] - "The Children of Time" with Victory Parsons (@ReadLiftRepeat): http://goingnorth.libsyn.com/1205-local-author-bonus-special-labs-the-children-of-time-with-victory-parsons-readliftrepeat   166 - "Inmate 458627" with Rashad "Bowtie" Mills (@RashadMills629): http://goingnorth.libsyn.com/166-inmate-458627-with-rashad-bowtie-mills-rashadmills629  

In this episode, I’m going to be talking about overcoming positioning as an authority for a sales professional. Authority in sales is about positioning, posture and how we overcome the challenges, concerns, and objections that are thrown at us by buyers. The secret is to overcome the need to position yourself as an authority by actively showing interest in the client. I’ll share my own journey towards achieving authority so you can apply my tactics into your own sales career. Key Takeaways: Never fake it till you make it (00:42) Overpromising on returns leads to failure (03:32) Authority sells (04:43) Helping people overcome their internal objections (08:23) Asking more questions to figure out what a buyer needs (11:27) Controlling the sales process without being a control freak (15:37) Gathering the right information to avoid getting into false rapport (17:52) Additional Resources: The Legendary Closers Facebook Group Unlock the Secrets to Closing Your Prospects -- You can find the podcast on Apple, Google, Spotify, Stitcher, YouTube, or wherever you listen to podcasts. If you haven’t already, please rate and review the podcast on Apple Podcasts!

Professor Kristen Thompson and Loras College student Audrey Miller share with Beth: Why there was a need to improve the Hientkamp Planetarium at Loras College  How a select group of honors students raised funding for a new projector  Why the planetarium is an important part of both the college and the community  How a man traveled all the way from Israel on the coldest day of the year to install the new projector    Key Takeaways: Never judge a planetarium by it’s outside appearance… people are astonished when they come inside!  The story of the stars can be told through history, different cultures, and from different perspectives  Planetariums & observatories can be found everywhere- you don’t have to go far to be inspired!    “[From the outside] you see such a different shape, and then you step inside and you feel like you’re in a TARDIS and there’s no limit to where we can go! We can visit Saturn, we can stand under the rings and look up at the rings. You can watch a sunset on Mars, we can go anywhere in the galaxy we have data for, and with the dome, we have our own IMAX theater!”  Loras College Professor Kristen Thompson     SHOW NOTE BONUS LINKS! Facebook page for the Loras College Planetarium:  Heitkamp Planetarium at Loras College Loras College Magazine feature article about the planetarium and project:  https://www.loras.edu/news/a-stellar-honors-project/ About the NASA National Space Grant and Fellowship Project:https://www.nasa.gov/offices/education/programs/national/spacegrant/home/index.html     About Kristen Thompson and Audrey Miller:  Audrey Miller is a senior in the Loras College honors program, and looks forward to studying astrochemistry or astrophysics in grad school soon!   Kristen Thompson, Ph.D is the Associate Professor of Engineering at Loras College. Dr. Thompson earner her Ph.D. from the University of Wisconsin Madison where she studied Vesicular Stomatitis Virus (VSV). Before attending graduate school she worked at IBM as a Manufacturing Engineer processing printed circuit boards. She earned her B.S. in Chemical Engineering from Michigan Technological University and is originally from the far west suburbs of Chicago. Her research interests continue to lie within the field of virology. We all think she should rename a popular physics class "Powerful Ideas for Physical Science” to “Physics for Poets.” 

Jeet Banerjee is a serial entrepreneur, TEDx speaker, digital marketing consultant, and the creator of The Income Incubator, an online academy for those who want to be online entrepreneurs and business owners. At 17, he started his first business, and by the age of 25, he had successfully launched over ten businesses and sold two companies at a profit. Currently, he helps other entrepreneurs and business owners achieve their dreams while building highly successful businesses. Jeet joins me today to share strategies to help you successfully prepare for a side hustle and why he attributes his success to perseverance. He shares the lessons he has learned throughout his entrepreneurial journey regarding what wealthy people do and where you should not invest your money. He also shares the most significant revelation he discovered as a young entrepreneur as well as some essential and practical tips on how to get ready to launch a side business. “There’s never going to be a perfect time. Life NEVER gets easier. You’re always going to have time issues, or money issues, or experience issues, or big things happening in your life. But just start right now if you’re really serious about being an entrepreneur. Just take massive action and just do it.” - Jeet Banerjee This Week on Young Money: What is a serial entrepreneur The big turning point in his life from a financial perspective Why wealthy people invest in assets How he was inspired by his entrepreneur father to start a business and keep going How commitment determines the success or failure of your business How you can manage your schedule once you start working on your side business The significance of knowing the monthly finances you need when establishing your short-term and long-term plan Why you need to avoid comparing yourself with other entrepreneurs and start doing things at your own pace Why Warren Buffett inspires him Key Takeaways: Never let obstacles and challenges define you and be the end of your road. If you want to start a side business, you have to be very committed. Be realistic in planning your schedule. Assess your finances so you know what you can afford. Don’t be in a rush. Outsource your areas of weakness. Only invest in things that you know.  Connect with Jeet Banerjee: Jeet Banerjee Website The Income Incubator Jeet Banerjee on Facebook Jeet Banerjee on Twitter Jeet Banerjee on Instagram Jeet Banerjee on LinkedIn 8 Things To Do Before Launching A Side Business Blog If Not Now, When?: Jeet Banerjee at TEDxYouth@BommerCanyon YouTube Video Rate, Share & Inspire Other Young Millionaires-in-the-Making    Thanks for tuning into the Young Money Podcast - the advice show for young millionaires-in-the-making! If you enjoyed this week’s episode, head over to iTunes and leave us a rating and review. Don’t forget to share your favorite episodes on social media!  Subscribe to the Young Money Podcast on iTunes so you never miss an episode and reach out to us on Facebook, Twitter, LinkedIn, our Linkedin Company Page, or by visiting our website.  

Understanding the basics is foundational when learning a new skill or pursuing new undertakings. The first step before investing is to equip yourself with the basics of how investing works. It is crucial that you understand how investment returns are generated and how investors gauge and manage risks based on their investment objectives and time horizon.   “No matter what your time horizon or risk tolerance, you should never invest your money in something you do not understand.” - Tracey Bissett   Today, I’m sharing a micro-training on investment basics including the definition of some common investing and saving financial terms. I discuss what investment objectives are as well as the four main asset classes: 1) equities (i.e. stocks), 2) fixed income (i.e. bonds), 3) cash equivalents (i.e. money market instruments) and 4) alternative investments (i.e.: real estate, commodities and cryptocurrencies). I also talk about why it is crucial to know your risk tolerance and how to determine the best investment choice or decision for you.   “Everybody is going to have a unique perspective and something that you’re more comfortable with than someone else. This is why investing is a very personal decision.” - Tracey Bissett   This Week on Young Money: What is investing and the primary goal of each investor Definition of terms such as principal, capital, return, investor What compound interest is and why it is so desirable What diversification, risk tolerance and liquidity are The difference between a guaranteed vs. non-guaranteed investment What is an investor or investment risk profile The concept of time horizon defined and how one investor may have multiple time horizons The importance of understanding how various investment returns (interest, dividends and capital gains) will be taxed The four main asset classes How to assess your investment plan based on your time horizon and risk tolerance   Key Takeaways: Never invest your money in something you do not understand. It’s okay to say you are a beginner and you do not have a lot of investment knowledge, especially to the person you are going to be making investments with. It is their responsibility to help with your financial education so you can make great investment decisions. Never be afraid to ask questions. No question should be considered stupid or bad. Anybody who’s trying to sell you an investment should be prepared to commit the time to help you learn. Generally, if somebody cannot explain the investment to you in simple terms, it’s probably not the right thing for you or they may not be the right investment advisor for you. Invest with your brain and not with your emotions.  It is never too early or too late to start investing.   Resources Mentioned: Episode 4: An Annuity of Inspiration with Laura Beauparlant Episode 6: What are Your Intentions … Financially Speaking with Jackie Porter? Episode 19: TFSAs vs. RRSPs Episode 21: Banking in the Digital Economy with Neil Parmenter, President and CEO of the Canadian Bankers Association Episode 24: Young, Fun and Financially Free with Leanna Haakons of Black Hawk Financial Episode 32: David Jenkins on Investing with TheAnswerIs Young, Fun, and Financially Free Book by Leanna Haakons   Rate, Share & Inspire Other Young Millionaires-in-the-Making Thanks for tuning into the Young Money Podcast - the advice show for young millionaires-in-the-making! If you enjoyed this week’s episode, head over to iTunes and leave us a rating and review. Don’t forget to share your favorite episodes on social media! Subscribe to the Young Money Podcast on iTunes so you never miss an episode and reach out to us on Facebook, Twitter, LinkedIn, our Linkedin Company Page, or by visiting our website.  

Brandstorm would like to welcome Craig Kuper to the show. Craig is the owner/mortgage broker, of ShoreCrest Mortgage Company, and is here today to talk about marketing brands in a crowded space. Craig Kuper Craig has been a David against Goliath for most of his career, having created standout marketing campaigns with companies like Concept Coach Builders, National Telecom, Red Carpet Leisure, Silverbird Lanes, and the Grand Milwaukee Hotel. He founded ShoreCrest Mortgage Company just over 14 years ago, and has used his marketing prowess to leave a lasting impression clients and secure strong bonds with his clients.  Marketing in a Crowded Space Craig shares some of his fun and wildly successful marketing campaigns from past careers. He also talks about standing out in the mortgage world. He emphasizes the importance of the customer experience, being able to walk clients through every step of the mortgage process, and leaving a lasting impression that brings repeat business from his clients. Keeping Happy Employees Craig also talks about the importance of having employees that thrive in the company culture. He describes a couple of the employee incentive programs he used in the past to build a fun, positive culture that kept employees excited to be at their jobs. Key Takeaways • Never be afraid to fail • Be willing to try off-the-wall techniques • Customer experience is key Contact Craig Kuper:Website: http://www.shorecrestmortgage.com Phone: (262) 241-4300

How to warm up the chill of cold conversations with your prospects? What phone habits increase your chances of booking the first meeting? Where do metrics come into play? Today Shira Abel and Marylou Tyler discuss the book Predictable Prospecting, cold calling, the biggest mistakes at the top of the funnel, and how to use marketing in sales to your advantage.       About Marylou Tyler • Marylou Tyler is a sales process improvement expert, author, speaker, and as CEO of Strategic Pipeline, she has helped companies like Apple, Bose and UPS consistently grow revenue by increasing their sales pipelines. • Marylou's passion is helping B2B sales professionals advance sales conversations from cold to qualified opportunities. • Marylou also co-authored the #1 Bestseller Predictable Revenue (sold over 60,000 copies), and has included her latest prospecting and sales strategies learned from spending the last five years in the field with clients in her newest book, Predictable Prospecting. Key Takeaways: • Never be afraid of testing in sales and marketing, set your ego aside. • You have to work towards habit if you're in a business development role. • Cold calling is not dead. It's the combination of the way you use it and how you apply it that is going to bring you the success you're looking for. Please rate this podcast. About Shira Abel Shira Abel is the CEO and Lead Strategist at Hunter & Bard (http://www.hunterandbard.com), an inbound marketing and branding agency. Clients include: Folloze, Totango, Cyara, Sarine Technologies, Pushbullet, AXA Tech, CloudEndure, AppsGeyser, Pitango VC, Allianz, and more. Creator and host of the SaaS Insider podcast. Creator of the Behavior Engineering Canvas. Mentor at 500 Startups. Former professor of Marketing for Startups at Tel Aviv-Jaffa Academic College. MBA from Kellogg School of Management. Loves family time, cooking, and traveling. Hates writing about herself in the third person. She lives in Silicon Valley with her husband, teen and tween sons and a very large Great Pyrenees. If you would like to be interviewed on SaaS Insider - please contact Shira at the URL above. The SaaS Insider podcast is brought to you by Hunter & Bard, a marketing agency specializing in design, branding, content and marketing automation – helping SaaS companies reduce their marketing debt. It’s also a member of the C-Suite Radio Network. Check out Hunter & Bard today at http://hunterandbard.com